Click here for the Online Banking User Guide.

Revision date: September 7, 2023

TABLE OF CONTENTS

P.

A. READ THIS NOTICE CAREFULLY AND KEEP A COPY FOR YOUR RECORDS.

This Consent Form covers all of your accounts, products and services with PNC Bank,
National Association, and its affiliates, that are accessible electronically either currently or
in the future through a personal computer or mobile device.

Certain laws and regulations require PNC to deliver specific information to you "in
writing", which means delivery of the information on paper. With the passage of the E-
Sign Act, and similar state statutes, we may provide such information to you electronically
if we present you certain disclosures (as contained in this Notice) and you agree
(consent) to receive the information electronically. Your consent will also apply to any
other person named on your account, product or service. Certain accounts such as
Virtual Wallet are provided online and use electronic means to deliver information, and
you must consent to this Notice in order to use such products or services.

You have the option to receive your account disclosures; electronic payment disclosures,
including single payment or recurring payment authorization; payment program
 disclosures; Privacy Policy disclosures, if applicable; and any amendment or other
disclosures related thereto (collectively called "Communications") electronically rather
than on paper. So that we may fulfill this request, you agree that we shall electronically
provide to you disclosures and information related to your account, and you must have
the ability to print or download the information. By consenting to receive information
electronically, you will not receive the information in paper form, except as noted below.

Please read the following important information about electronic Communications before
you decide to receive them electronically:

B. DISCLOSURES AND COMMUNICATIONS AVAILABLE ELECTRONICALLY

1. By submitting this consent form, you may receive Communications relating to

any PNC account, product or service electronically. Communications include, but
are not limited to, disclosures, notices, agreements, fee schedules, statements,
records, documents or other information that we are required or that we desire to
deliver to you. Examples may include, but are not limited to, the following:

a. Account agreements; fee schedules; fee notices including late or

returned fees, overdraft fees, over-limit fees and returned items fees; and
other account disclosures.

b. Payment disclosures, including single payment or recurring payment

authorization.

c. Periodic account and activity statements.

d. Shareholder notices, prospectuses, reports, trade confirmations and tax

reporting statements.

e. Consumer Information Privacy Principles.

f. Disclosures and notices that may be required by various laws and

regulations such as the Truth in Savings Act, Electronic Fund Transfer
Act, Truth in Lending Act, the Equal Credit Opportunity Act, the Fair
Credit Reporting Act, the Gramm Leach Bliley Act, the Real Estate
Settlement Procedures Act or other applicable federal or state laws and
regulations.

g. Other information related to your account, including account servicing

letters, notices and forms.

2. The above shall collectively be referred to as "Communications" that we may

send to you electronically. All Communications from us delivered to you in
electronic format will be considered "in writing." You should print or download, for
your records, a copy of this document and any other Communication that is
important to you. We may always, in our sole discretion or if required by law,
provide you with any Communication in paper form, even if you have chosen to
receive it electronically. Communications shall be sent to the primary address we
show for you in our records.

C. WITHDRAWAL OF THIS CONSENT

 You may withdraw this consent at any time after submission by calling us at 1-800-762-
2035.
If you withdraw your consent to obtain electronic Communications, paper copies will be
provided to you for future Communications. If you request a paper copy of a
Communication, we may charge you a reasonable service charge for the delivery of
paper copies of any Communication provided to you electronically.

D. UPDATING ELECTRONIC INFORMATION

It is your responsibility to provide us with a true, accurate and complete email address,
contact information and any other information needed to contact you electronically. To
update your electronic address, you may call us at 1-800-762-2035 or update your
information within Online Banking under the Customer Service tab. You agree to
promptly notify us when you change your email or other electronic address. At our option,
we may treat your provision of an invalid email address, or the subsequent malfunction of
a previously valid email address, as a withdrawal of your consent to receive electronic
Communications.

E. SYSTEM REQUIREMENTS

To receive the requested Communications electronically, you will need the following:

1. An active email address and Internet connection, along with a web-enabled

device with an operating system capable of supporting items 2 and 3.

2. A current version* of an Internet browser we support, which may include

Microsoft Edge, Firefox, Safari or Chrome. You can click here to find out the
versions we support.

3. Access to a printer or the ability to download information to keep copies for your
records. You will also need a current version* of a program that accurately reads
and displays PDF files, such as Adobe Acrobat Reader.

*By "current version", we mean a version of the software that is currently being supported
by its publisher and that we support.

If we change hardware or software requirements, we will post the current hardware and
software requirements at pnc.com/onlinebanking.

If you enroll for a PNC account, product or service through one of our customer service
representatives or using our equipment, your enrollment may not be complete until you
take additional action. We will inform you, at the time of enrollment, of any additional
action you must take. If you take the required action, you are confirming your consent to
receive electronic Communications under the terms of this Consent Form.

NOTE: If you consent to electronic Communications but still desire a copy of

Communications to be provided on paper, please call us at 1-800-762-2035. If we agree,
we may charge you a reasonable service charge for the delivery of paper copies of any
Communication provided to you electronically.

By providing your consent at the end of this agreement, you give your affirmative
consent to PNC to provide electronic Communications to you, as described above.
You further affirm and confirm that you have the hardware and software described
 above, that you are able to receive and review electronic records, and that you
have provided, or will provide to us, a current, valid email address to which we
may deliver electronic Communications. By obtaining electronic delivery of
Communications, you confirm that you are authorized to, and do, consent on
behalf of all the other account owners, authorized signers, authorized
representatives and/or delegates identified with your PNC products and accounts.

A. This Agreement between you and PNC Bank, N.A (PNC) governs the use of PNC's
Online Banking Services. These services permit PNC customers (consumers, sole
proprietors and a limited number of other business customers) to perform a number of
banking functions on accounts linked to the service through the use of a computer or
mobile device. For Consumers, this includes some investment accounts with our affiliate,
PNC Investments. This Agreement, along with our Consumer Schedule of Service
Charges and Fees or, for business accounts, our Business Checking Accounts and
Related Charges (collectively, the "Agreement"), explains the terms and conditions
governing PNC's Online Banking Services. This Agreement applies to account access
through the Web Connect or Express Web Connect services offered through Quicken®
or QuickBooks®. It does not apply to the Direct Connect service through Quicken or
QuickBooks. Please read this Agreement carefully and note that different provisions will
apply based on whether you are using our Online Services to access personal or
business accounts. Also, different fees will apply based on whether you enrolled in Online
Banking Services as a consumer or as a business customer. By enrolling electronically or
otherwise, and by using any of the Online Services, you agree to be bound by the terms
and conditions of this Agreement. This Agreement also contains important information
regarding what you should do if you believe that an unauthorized person has gained
access to your accounts, or an error has occurred. Keep this Agreement for future
reference. Except as stated below this Agreement is governed by the laws and
regulations of the Commonwealth of Pennsylvania and the United States, as amended
from time to time. When you use any of the Online Banking services described in this
Agreement, or authorize others to use them, you agree to the terms and conditions of the
Agreement that apply to you (depending on whether you are accessing the Services as a
consumer or as a business customer).

Your communications, as well as any actions, transactions and activity within, through or
otherwise related to the Online Banking Services may be recorded, monitored and
reviewed by PNC and our third party vendors, including for quality, training, fraud
detection and prevention, security and support purposes.

1. Online Banking for Consumers and Businesses:

a. To use Online Banking, you must have:

i. An Internet access device with service through an Internet

service provider.

ii. An Online User ID and PIN or password.

2. Each of your deposit accounts at PNC Bank are also governed by an applicable
Account Agreement for Checking and Savings, Schedule of Service Charges and
 Fees or Business Checking Accounts and Related Charges and other applicable
account documentation, and lines of credit are governed by the applicable line of
credit agreement (collectively, your "Account Disclosures"). To the extent
applicable, the Account Disclosures also apply to any electronic fund transfers
made to or from your accounts by use of any of the Online Banking Services.
This Agreement will control, however, in the event of any conflict between the
Account Disclosures and this Agreement.

3. Throughout this Agreement, the following terms will have the meanings set forth
below:

a. "Access" refers to the ability to obtain account information, electronic

messages, transfer funds between accounts, or pay bills, receive bills,
reorder checks, etc., or any other service offered online by PNC, as
described further in this Agreement.

b. “Account” means a checking, money market or savings account that is

an Eligible Account.

c. "Account Agreement" means the various agreements and disclosures

that govern your account(s) at PNC. Such agreements include but are
not limited to: for Consumers the Account Agreement for Personal
Checking and Savings Account; Consumer Electronic Funds Transfer
Disclosure Statement; Consumer Schedule of Service Charges and
Fees; and the Consumer Information Privacy Principles; and/or any
applicable home equity line of credit agreement. For Businesses the
Account Agreement for your Business Account; Account Information:
Business Checking Accounts and Related Charges and/or any
applicable line of credit agreement.

d. "ATM" will mean automated teller machine or banking machine.

e. "Biller" is the person or entity to which you wish a bill payment to be

directed or is the person or entity from which you receive electronic bills.

f. "Bill Payment Account" is the designated checking account(s) from

which bill payments will be made.

g. "Billing Account" means the account(s) you have designated to be

charged for any and all fees and charges associated with the Online
Services.

h. "Business account" means an account that is used for other than

personal, family or household purposes.

i. "Business customer" means the legal owner of a business account or

an individual who is an authorized signer.

j. "Business days" means Monday through Friday, excluding Saturday,

Sunday and banking holidays set forth under the laws of the United
States.
k. "Consumer" means the owner of a personal account.

l. "Designated Account" means your designated checking account, debit,

or credit card, from which payments will be made.

m. "Due Date" is the date reflected on your Biller statement for which the
payment is due. It is not the late date or grace period.

n. "Eligible Accounts" are those types of PNC accounts referred to in the

User Guide, which may be accessed for Online Banking Services.
Eligibility is based on account type and your customer to account
relationship.

o. "Estimated Arrival Date" is the day you would like your Biller to receive
your bill payment. An Estimated Arrival Date that falls on a non-Business
Day will be modified to be scheduled for the previous Business Day.

p. "ET" means Eastern Time. "CT" means Central Time.

q. "Individual Payment Limit" is a dollar amount that the Service may

impose on any individual payment you attempt to schedule.

r. “Lending Account” means an installment loan, line of credit account or

credit card that is an Eligible Account.

s. "Online Banking" means PNC Bank's online banking service which

allows you to access transaction information on Eligible Accounts.

t. "Online Bill Pay" means PNC Bank's Online Bill Pay service which
allows you to perform payments to third parties from your Designated
Account.

u. "Online Banking Services" means collectively Online Banking, Online

Bill Pay, and other computer banking services which PNC Bank may
make available from time to time.

v. "Password" means the confidential password or other confidential code

assigned to you by PNC Bank or selected by you for identification
purposes in connection with the use of Online Banking Services.

w. "Payee" is the person or entity to which you wish a bill payment to be

directed or is the person or entity from which you receive electronic bills.

x. "Payment Instruction" is the information provided by you to Online

Banking for a bill payment to be made to the Payee (such as, but not
limited to, Payee name, Payee account number, Payee Amount, and
Estimated Arrival Date).

y. "Personal account" means an account that is maintained for personal,

family or household purposes.
z. "Photocopy request" means an on-line request to have the Bank
provide a copy of a deposit ticket, deposited check, cleared check or
account statement.

aa. "Recurring payment" means a payment scheduled to be carried out on

successive future dates without further instruction from a customer.

bb. "Scheduled Payment" is a payment that has been scheduled through

Web Bill Payment but has not begun processing.

cc. "Scheduled Transfer" is a transfer that has been scheduled through the
Service but has not begun processing.

dd. "Scheduled Transfer Date" is the date selected when a transfer is

scheduled. Additional details about the transfer can be found where you
schedule your transfer.

ee. "Service," "Transfer Service," or "Transfer Funds Service" means

the Online Banking Transfer Funds Service, or Online Bill Pay Service or
External Transfer Service offered by PNC Bank as indicated in their
respective sections of this agreement.

ff. "Stop payment order request" means that the Bank will accept online
instructions to stop payment on a check, range of checks, recurring debit
card transaction, or an ACH debit that the Customer anticipates will be
presented against its Consumer or Business Account.

gg. "Super User" means you or the person you designated as the
authorized person to access services when you enrolled in Online
Banking.

hh. "Sub User" means an individual who has been granted access to Online
Banking by the Super User.

ii. "Transaction" means any electronic banking transaction, including a

deposit, withdrawal or bill payment initiated electronically.

jj. "Transfer" means any banking transaction, including deposits or

withdrawals, that is initiated through an electronic terminal, telephone,
computer, electronic check conversion, or magnetic tape for the purpose
of ordering, instructing, or authorizing a debit or credit to your consumer
or business account.

kk. "Transfer Account" is the designated account(s) from which transfers

will be debited. Eligible accounts for the Transfer Service will be
designated in the User Guide.

ll. "Transfer Instruction" is the information provided by you to the Service

for a transfer to be made (such as, but not limited to, account number,
and Scheduled Transfer Date).
 mm. "PNC," "Bank," "we" "us" refers to either PNC Bank National
Association, depending on the holder of your Designated Accounts.

nn. "User Guide" is the file found within Online Banking that provides
information and guidance concerning the Online Banking Service.

oo. "You," "your" and "yours" refer to each consumer or business

customer who has enrolled in PNC's Online Banking Services.

You can access your eligible accounts through the Online Banking Service. Eligible account types
may change from time to time. Eligibility is based on account type and your customer to account
relationship. By enrolling in Online Services, you will be given access to all PNC Bank accounts
of which you are an owner (including joint accounts) and which are considered Eligible Accounts,
unless the account you wish to access is an account that requires two or more signatures.
Accounts requiring two or more signatures are not accessible through the online banking
services. A listing of Eligible Accounts can be found in the User Guide.

A. GENERAL ONLINE SERVICES TERMS AND CONDITIONS FOR ALL CUSTOMERS

This Section A applies to customers accessing either personal or business accounts.

1. Fees

Any fees that you will be charged for accessing Eligible Accounts or services
through the Online Banking Service will be based on whether the account
enrolled is a consumer or business account. Fees for consumers are disclosed in
our Consumer Schedule of Service Charges and Fees, while fees for business
customers are disclosed in our Business Checking Accounts and Related
Charges. You agree to pay promptly all fees and charges for the Online Banking
Services and authorize us to charge the Billing Account or, if there are insufficient
funds in the Billing Account, any other PNC Bank account for the fees. You agree
to be responsible for telephone charges to the extent that any may be incurred
through use of our Online Banking Services. If you close the Billing Account, you
must notify us immediately and identify a new Billing Account. Failure to notify us
may result in the termination of Online Banking Services, and you agree that we
may charge any account you have with PNC Bank for the amount of any
outstanding charges you owe. Additionally, if you close all PNC Bank accounts,
you must notify us immediately to cancel all the Online Banking Services for
which you have enrolled. If you fail to notify us, you will continue to be
responsible for any service charges that apply.

2. Addition of New Services

PNC Bank may, from time to time, introduce new online services. We may notify
you of the existence of these new services when they become available and, if
you choose to make use of any new service, you agree to be bound by any terms
and conditions regarding the new services that we may send to you.
3. Cancellation and Reinstatement of Online Banking Services

If you wish to cancel any of the Online Banking Services, you may call us, or
send us cancellation instructions in writing to PNC Bank, National Association,
Online Banking Services, P7-PFSC-04-C, 500 First Avenue, Pittsburgh, PA
15219-3128. If you choose to call us, then please call us at 1-800-762-2035. In
order to reinstate your Online Banking Services, you must call us at the
appropriate number as referenced above.

Any Bill Payment(s) already processed before the requested cancellation date
will be completed by Online Banking. All Scheduled Payments after the
requested cancellation date, including recurring payments, will not be processed
once Online Banking is cancelled. We may terminate or suspend the Service to
you at any time and for any reason. We may terminate the Service to you if you
engage in unauthorized transactions or gain unauthorized access to information
concerning another individual. We also reserve the right to terminate the Service
in the event your service is inactive for a period of 150 days. Neither termination
nor suspension shall affect your liability or obligations under this Agreement.

4. Transfers and Payments

We may from time to time, limit the number of, the type, and dollar amounts of
any checks, drafts, withdrawals, or transfers made by use of our Online Banking
Services, notwithstanding the amount in your accounts. Limits on the number of
transactions that may be performed on your PNC Bank savings or money market
accounts are described in the applicable Account Agreement for such accounts.
If a hold has been placed on deposits made to an account from which you wish
to transfer funds, you cannot transfer the portion of the funds held until the hold is
removed. We may, at our discretion, allow your transfers to be paid and create
an overdraft on the account. You agree to immediately reimburse us for the
amount of the overdraft, and to pay any overdraft charges that may apply to your
account, as set forth in your Account Agreement and Disclosures. You authorize
PNC to withdraw, debit or charge the necessary funds from your designated PNC
account on the date on which you schedule any payment to begin processing or
submit a transfer request. You agree that you will instruct us to make a
withdrawal only when a sufficient balance is or will be available in your
account(s) at the time of the withdrawal. It is necessary that collected funds be in
your account no later than the business day before your Estimated Payment
Date, Estimated Arrival Date, or your Scheduled Transfer Date due to the
electronic processing of payments.

5. Communications from PNC Bank

We will only send information concerning Online Banking Services to the street
address and email address you have designated to us (either in your enrollment
or previously in other financial arrangements with PNC Bank) as your primary
address. This is done as a security procedure to help ensure the confidentiality of
your Online Banking relationship. As a part of the Online Banking Service, you
consent to receive all legally required notifications via electronic means. We will
provide all future electronic notices as required by applicable law. However, if an
emergency occurs or if a change is necessary to maintain or restore the security
of an account or the Online Banking system, we will provide any required change
in terms notice as soon as possible as permitted by applicable law. You may
download or print the notices from your computer. At your request, we will
 provide you with a paper copy of any of the above documents or notices without
any fee. You may obtain paper copies by contacting us at 1-800-762-2035. You
may withdraw your consent to receiving future notices in electronic form, but if
you do, we will immediately terminate your participation in the Online Banking
Service.

6. Recording of Information and Disclosure to Third Parties

We may use tools (some of which may be provided or hosted by our third party
vendors) that enable us to capture, record and review your communications with
us as well as any account-related activity, including any online banking
transactions and other action(s) taken within your account. We do this in order to
maintain records of account-related activity and transactions, detect, prevent and
respond to actual or suspected security incidents, errors, fraud and misuse, and
for other quality, training, security, support and fraud detection and prevention
purposes. YOU ACKNOWLEDGE AND AGREE THAT ALL
COMMUNICATIONS, ACTIONS, TRANSACTIONS AND OTHER ACTIVITY
WITHIN, THROUGH OR OTHERWISE RELATED TO THE ONLINE BANKING
SERVICES MAY BE RECORDED, MONITORED AND REVIEWED BY PNC
AND OUR THIRD PARTY VENDORS.

We may also disclose information about your Eligible Accounts, or the transfers,
transactions or payments you perform, to third parties and you hereby authorize
those third parties to disclose similar information to us:

a. where it is necessary for completing transfers or transactions; or

b. in order to verify the existence and condition of your account for a third
party such as, for example, a credit bureau, a merchant or another
financial institution; or

c. where required by a federal, state, or local law or regulation to do so;

d. in response to a subpoena or are ordered by a court to do so;

e. in the investigation or prosecution of alleged fraudulent activity

concerning your accounts;

f. if you give us your permission; or

g. as may be otherwise authorized in other agreements with us and, for

Consumers, as set forth in The PNC Financial Services Group, Inc.
Consumer Information Privacy Principles.

7. Password and Security/Your Liability for Unauthorized Transactions/Errors

and Questions

You agree not to give or make available your PIN/Password/User ID or other

means to access your account to any unauthorized individuals. You are
responsible for all payments you authorize using the Online Banking Services. If
you permit other persons to use Online Banking Services or your
PIN/Password/User ID or other means to access your account, you are
 responsible for any transactions they authorize. If you believe that your
PIN/Password/User ID or other means to access your account has been lost or
stolen or that someone may attempt to use Online Banking Services without your
consent or has transferred money without your permission, you must notify us at
once by contacting us at 1-800-762-2035, and we may require that you update
your PIN/Password/User ID to protect your account security.

For Consumers Only: For more information on your rights and obligations
concerning unauthorized or erroneous Transactions, please refer to PNC's
Consumer Electronic Funds Transfer Disclosure Statement ("EFT Statement"),
which is an Account Disclosure, provided to you when you opened your deposit
account. If you need another EFT Statement, call us at 1-888-762-2265.

8. Alterations, Amendments and Termination

This Agreement, the User Guide or any applicable fees and service charges may
be changed, altered or amended by PNC Bank at any time and from time to time.
In such event, PNC Bank shall provide notice to you. Any use of the Online
Banking Service after the effective date of any change in terms will constitute
your agreement to such change(s). Further, PNC Bank may, from time to time,
revise or update the applications, services, and/or related material.

PNC Bank reserves the right to terminate this Agreement. We may terminate this
Agreement immediately if you misuse any Online Banking Service, or if you
withdraw your consent to receiving future notices in electronic form we will
immediately terminate your participation in the Online Banking Service.

9. Address or Banking Changes

It is your sole responsibility to ensure that your contact information is current and
accurate. This includes, but is not limited to, name, address, phone numbers and
email addresses. Changes can be made within Online Banking or by calling us at
1-888-762-2265. PNC Bank is not responsible for any payment processing errors
or fees incurred if you do not provide accurate Bill Payment Account or contact
information. The Consumer Online Banking and Bill Pay Guarantee as it applies
to any late payment related charges is void when the error or fees incurred are a
result of incorrect information that you have provided to the Online Banking
Service.

10. Disputes

In the event of a dispute regarding Online Banking, you and PNC agree to
resolve the dispute by looking to this Agreement. You agree that this Agreement
and your Account Agreement are the complete and exclusive statement of the
agreement between you and PNC Bank which supersedes any proposal or prior
agreement, oral or written, and any other communications between you and PNC
Bank relating to the subject matter of this Agreement. If there is a conflict
between what an employee of PNC says and the terms of this Agreement, the
terms of this Agreement will prevail.

Business Customers Only:

 Only Super Users may file disputes using Online Banking. Sub Users are neither
authorized nor enabled to file disputes using Online Banking.

11. Assignment

You may not assign this Agreement to any other party. PNC Bank may assign
this Agreement to our parent corporation or to any now-existing or future direct or
indirect subsidiary of our parent corporation. We may also assign or delegate
certain of our rights and responsibilities under this Agreement to independent
contractors or other third parties.

12. No Waiver

PNC Bank shall not be deemed to have waived any of its rights or remedies
hereunder unless such waiver is in writing and signed by PNC Bank. No delay or
omission on the part of PNC Bank in exercising any rights or remedies shall
operate as a waiver of such rights or remedies or any other rights or remedies. A
waiver on any one occasion shall not be construed as a bar or waiver of any
rights or remedies on future occasions.

13. Captions

The captions of sections hereof are for convenience only and shall not control or
affect the meaning or construction of any of the provisions of this Agreement.

14. Governing Law

This Agreement shall be governed by and construed in accordance with the laws
of the state in which the branch office where you opened your account is located.
If you opened your account by mail, telephone or electronically through our
Internet website, and we have a branch office in your state of residence, this
Agreement is governed by the laws of that state. If we do not have a branch
office located in your state of residence and your account was opened by mail,
telephone or electronically through our Internet website, this Agreement is
governed by the laws of the Commonwealth of Pennsylvania. With regard to a
dispute solely between you and Fiserv Services Corporation, this Agreement
shall be governed by and construed in accordance with the laws of the State of
Georgia without regard to its conflicts of laws provisions. This Agreement is also
at all times governed by the laws and regulations of the United States of
America. To the extent that the terms of this Agreement conflict with applicable
state or federal law, such state or federal law shall replace such conflicting terms
only to the extent required by law. Unless expressly stated otherwise, all other
terms of this Agreement shall remain in full force and effect.

THE FOREGOING SHALL CONSTITUTE OUR ENTIRE LIABILITY AND YOUR

EXCLUSIVE REMEDY. IN NO EVENT SHALL WE BE LIABLE FOR ANY DIRECT,
INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES,
INCLUDING LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF)
ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF
THE EQUIPMENT, SOFTWARE, AND/OR THE ONLINE BANKING SERVICE.

Exclusions of Warranties
 THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT
WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT
NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND
FITNESS FOR A PARTICULAR PURPOSE.

B. ADDITIONAL ONLINE BANKING SERVICES TERMS AND CONDITIONS FOR

CONSUMER ACCOUNTS

This Section B does not apply to customers accessing business accounts.

1. Consumer's Liability for Unauthorized Transfers

Tell us AT ONCE if you believe your PIN/Password/User ID has been lost or

stolen. Telephoning is the best way of keeping your possible losses down. You
could lose all the money in the accounts to which you have access through
Online Banking Services, plus your maximum overdraft line of credit or the
balance in any other account connected to your account for overdraft protection.
In case of errors or questions about Online Banking Service transactions,
promptly call us at 1-800-762-2035 or, at 1-800-531-1648 (TT).

For more information on your rights and obligations concerning unauthorized or

erroneous Transactions, please refer to PNC's Consumer Electronic Funds
Transfer Disclosure Statement ("EFT Statement"), which is an Account
Disclosure, provided to you when you opened your deposit account. If you need
another EFT Statement, call us at 1-888-762-2265.

a. DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES

The PNC Financial Services Group, Inc. Consumer Information Privacy

Principles explains how we collect and protect personal information and
how and why in certain limited cases we may share such information.
Please review such disclosure, as well as the PNC Website Customer
Information Privacy Policy, both found at www.pnc.com.

b. SERVICE FEES AND ADDITIONAL CHARGES

Fees for Consumers are disclosed in our Consumer Schedule of Service

Charges and Fees. You agree to pay promptly all fees and charges
related to Online Banking Services and authorize us to charge any of
your PNC Bank accounts for the fees. You agree to be responsible for
telephone and Internet Service Provider (ISP) charges to the extent that
any may be incurred through use of Online Banking.

Currently no fees are imposed for using the Online Banking Bill Payment
or Transfer Services. Your deposit account(s) are subject to fees and
charges as outlined the Schedule of Service Charges and Fees.

C. TERMS AND CONDITIONS FOR INTERNAL TRANSFER FUNDS SERVICE

(Consumer and Business Accounts)

PNC Bank is pleased to offer our Transfer Funds Service as a feature of PNC Bank's
Online Banking Service. You may use this Transfer Funds Service to transfer funds
between your eligible PNC Bank accounts, draw funds from your PNC Bank Line of
Credit, or make payments to your PNC Bank loans. Consumers may also transfers funds
using eligible PNC Investment accounts. Detailed instructions and an explanation of
how to use the Transfer Funds Service can be found in the User Guide in the
Transfer Funds section. These instructions are incorporated as part of this Transfer
Funds Service Agreement, and you agree to follow such procedures and instructions. By
using the Transfer Funds service, you agree to be bound by the Terms and Conditions of
this Agreement. We suggest that you keep a copy of this Transfer Funds Service
Agreement together with your Account Agreement and/or Loan/Line of Credit Agreement
for reference. If you need an additional copy of your Account Agreement, please call us
at 1-800-762-2035.

1. TRANSFER FUNDS SCHEDULING

a. Transfer Authorization

By providing PNC with information about Transfer Instructions, you

authorize us to follow the Transfer Instructions that we receive through
the system.

When PNC receives a Transfer Instruction, you authorize us to

debit/credit your accounts on your behalf.

PNC will use its best efforts to make all your transfers properly. However,
we shall incur no liability if we are unable to complete any transfers
initiated by you because of the existence of any one or more of the
following circumstances:

i. If, through no fault of ours, the Eligible Transaction Account does

not contain sufficient funds to complete the transfer, or the
transfer would exceed the credit limit of your overdraft account.

ii. The Service is not working properly, and you know or have been
advised by us about the malfunction before you execute the
transaction.

iii. The transfer is refused as described in Section H of this

Agreement.

iv. You have not provided us with the correct information, including
but not limited to the correct Eligible Transaction Account
information.

v. Circumstances beyond our control (such as, but not limited to,
fire, flood, network or system down time, issues with the financial
institution(s), or interference from an outside force) prevent the
proper execution of the transfer and we have taken reasonable
precautions to avoid those circumstances.

vi. It is your responsibility to ensure the accuracy of any information

that you enter into the Service, and for informing us as soon as
possible if you become aware that this information is inaccurate.

b. Information provided to Us
 You agree to provide true and accurate information to PNC.

c. Transaction limitations

We reserve the right to limit the amount you may debit from your
Transfer Account for any given transaction. Additionally, we reserve the
right to limit your use of this functionality by imposing limits, hold times,
or other measures should we believe that suspicious activity has
occurred or may occur or for any other reason in order to preserve the
integrity of the Service. PNC reserves the right to verify any of the
information you provide. Other account limitations are outlined in your
various Account Agreements. PNC shall have the right to terminate your
use of the Transfer Service, reject or reverse any transactions you
initiate, and/or restrict or condition your right to transfer or receive money
at any time and for any reason, including, but not limited to:

i. Excessive use;

ii. Using the Service (directly or indirectly) for any unlawful purpose;
and/or

iii. Tampering, hacking, modifying, or otherwise attempting to

corrupt the security or functionality of the Service.

iv. If, through no fault of ours, the Eligible Transaction Account does
not contain sufficient funds to complete the transfer, or the
transfer would exceed the credit limit of your overdraft account.

v. The Service is not working properly, and you know or have been
advised by us about the malfunction before you execute the
transaction.

vi. You have not provided us with the correct information, including
but not limited to the correct Eligible Transaction Account
information.

d. Initiating transfers

When PNC receives a Transfer Instruction, you authorize us to debit

your designated Transfer Account and credit funds to the receiving
account. If transferring to an Account (checking, savings or money
market), any future dated, or recurring transfer scheduled to occur on a
non-Business Day will be processed on the Business Day prior to the
Scheduled Transfer Date. If transferring to a Lending Account, refer to
the User Guide and Online Banking screens where you schedule your
transaction for more detailed information.

If we learn that you have insufficient funds in the Transfer Account from
which you requested, we send money, we may cancel the transfer. If a
transfer occurs and you have insufficient funds in the Transfer Account,
you may owe us for, and agree to promptly repay the amount of any
shortfall. We may apply funds in your other accounts against the amount
 you owe us, or we may reverse any transfer made which caused the
shortfall.

It is your sole responsibility to provide the correct information to enable

us to complete your Transfer Instructions, including but not limited to
information concerning the "From Account," "To Account," dollar amount,
and dates. PNC is not responsible for Transfers made to unintended
accounts, or for the failure of a transfer, due to the input of incorrect
information by you.

e. Modifying or deleting Transfer(s)

Same day transfers made to or from eligible products using our Transfer
Funds Service may not be modified or deleted after you submit the
transfer. Refer to the Transfer Funds screen disclosures provided for
future dated or reoccurring modification and deletion timelines.

2. GENERAL PROVISIONS

a. Password and Security

You agree not to give or make available your password or other means
to access your account to any unauthorized individuals. You are
responsible for all Transfer Instructions you authorize using the Service.
If you permit other persons to use the Service or your password or other
means to access your account, you are responsible for any transactions
they authorize. If you believe that your password or other means to
access your account has been lost or stolen or that someone may
attempt to use the Service without your consent or has transferred
money without your permission, you must notify us at once by contacting
us at 1-800-762-2035, and we may require that you update your
PIN/Password/User ID to protect your account security.

b. Your Liability for Unauthorized Transfers/Errors and Questions

For Consumer deposit accounts, PNC Bank's Consumer Electronic

Funds Transfer Disclosure Statement details your rights and obligations
when an unauthorized transaction has occurred. For an explanation of
your rights and obligations for unauthorized transactions involving a line
of credit, please also refer to your loan documents. If the unauthorized
transfer originated in an Investment Account, please refer to your
Investment Account Agreement for information concerning your rights
and obligations.

c. Disclosure of Account Information to Third Parties

The PNC Financial Services Group, Inc. Consumer Information Privacy

Principles explains how we collect and protect personal information and
how and why in certain cases we may share such information. Please
review such disclosure, as well as the PNC Website Customer
Information Privacy Policy, both found at www.pnc.com.

d. Service Fees and Additional Charges

 Currently no fees are imposed for using the Transfer Service. For all
customers, your deposit account(s) are subject to fees and charges as
outlined the Schedule of Service Charges and Fees. Your Internet
service provider and telephone companies may impose charges for the
services they provide so that you may have Internet access.

e. Failed Transactions

In using the Service, you are requesting PNC to make transfers for you
from your Transfer Account. If we are unable to complete a transaction
for any reason associated with your Transfer Account or lending account
(for example, there are insufficient funds in your Transfer Account to
cover the transaction, or your lending account is closed), the transaction
will not be completed. We will notify you of any failed transfers using our
Transfer Funds Service.

It is your responsibility to check the balance of the receiving account

after a Transfer has been made to confirm that such Transfer occurred.

f. Service Termination, Cancellation or Suspension

In the event you wish to cancel the Service, you may have the ability to
do so as outlined in the User Guide, or you may contact customer
service via one of the following:

Telephone us at 1-800-762-2035; and/or

Write us at:
PNC Bank, National Association
Online Banking Services
P7-PFSC-04-C
500 First Avenue
Pittsburgh, PA 15219-3128

All transfer(s) initiated before the requested Service cancellation date will
be completed by the Online Banking Service. All Scheduled Transfers,
including recurring transfers, will not be processed after the
requested cancellation date.

PNC may terminate or suspend Service to you at any time. Neither termination
nor suspension shall affect your liability or obligations under this Agreement.

g. Additional Transfer Service Provisions for Business Customers

i. We shall only be liable for our own negligence or misconduct and

shall not be responsible for any loss or damage arising from or in
connection with (a) any inaccuracy, act or failure to act on the
part of any person not within our reasonable control or (b) any
error, failure or delay in execution of any transfer resulting from
circumstances beyond our reasonable control including, but not
limited to, any inoperability of communication facilities, system
delays in effecting account postings, or other operational delays.
Please note the limitation on our liability for stop payment orders
 placed through Online Banking for Business provided below. The
Business Customer agrees to promptly examine all periodic
statements of Business Accounts and Eligible Loan Accounts
affected by transfers and any confirmations of transfers that we
or other banks may send or make available to the Business
Customer, and to promptly notify us of any discrepancy within
thirty (30) days of receipt of any periodic statement or
confirmation. We shall not be liable for any loss or damage
arising from or in connection with any transfer reflected on such
periodic statement or confirmation.

ii. In no event shall we be liable for any consequential, incidental,

special or indirect losses, damages (including dishonor of checks
or other items), or expenses (including attorneys' fees) which the
Business Customer incurs or suffers by reason of this
Agreement, or the Online Banking for Business Service provided
hereunder, whether or not the likelihood of such losses or
damages was known by us.

h. Online Access and Instructions

i. Authorized Business Representatives can obtain balance and

posted transactions information on Eligible Accounts and can
schedule recurring, one-time or future dated transfers of funds
between eligible Business Accounts and/or Eligible Loan
Accounts subject to the limitations on transfers and other terms
set forth in this Agreement. Balance and activity information as of
the close of the previous Business Day will normally be available
by 10 AM ET / 9 AM CT the next day.

ii. Authorized Business Representatives can access Eligible

Accounts through Online Banking for Business seven days a
week. Any same day or one time transfer between Business
Accounts or from an Eligible Loan Account to a Business
Account initiated by an Authorized Business Representative will
post to the Business Account and/or Eligible Loan Account as
noted in the Transfer Funds tab in the User Guide.

iii. Any transaction that requires approval by a second Authorized

Business Representative will be considered to be in a pending
status and will not be acted upon by PNC until the required
approval is electronically obtained.

iv. Any request, such as for a photocopy or stop payment, will be

automatically forwarded to the appropriate transaction
processing area for fulfillment. Any fees that are described in the
Agreement will be applicable.

D. ONLINE BILL PAY SERVICE

(For Consumers and Business Customers)
1. Introduction

PNC Bank is pleased to offer our Online Banking Web Bill Payment Service ("Bill
Payment Service") as a feature of PNC Bank's Online Banking Service. You may
use this Online Bill Pay Service to pay your bills, view bills, and access your PNC
Bank accounts. Further details concerning the Online Bill Pay Service are
provided below. Detailed procedures, instructions and an explanation of how to
use the Online Bill Pay Service can be found in the Online Banking User Guide in
the Pay Bills Section, as well as through the Bill Payment Service itself. You
agree to follow such procedures and instructions. The Bill Payment Service is
offered by PNC Bank through Fiserv, Inc. ("Fiserv"). PNC and/or Fiserv reserves
the right to deny enrollment in the Bill Payment Service at any time or deny
access to any account chosen for use in the Service for any reason at any time.

You hereby represent and warrant on behalf of yourself, and any person or
organization for which you act, that you have the authority to conduct and make
transactions pertaining to the Bill Payment Account and that all information you
provide to us is complete, accurate, and current. In the event that we are unable
to verify you or the information that you provided, or if a review of our information
shows that you are not an authorized signer on the account, we may take
corrective actions including holding payments, cancelling payments, and
cancelling your service.

YOU MUST COMPLY WITH THE BILL PAYMENT SCHEDULING

INSTRUCTIONS OR ASSUME ALL RISK PERTAINING TO FINANCE OR ANY
OTHER CHARGES THAT THE PAYEE/MERCHANT MIGHT IMPOSE.

2. Bill Payment Scheduling

When scheduling payments, you must select a payment date in Online Bill Pay
that is no later than the actual Due Date reflected on your Biller statement, unless
the Due Date falls on a non-Business Day. If the actual Due Date falls on a non-
Business Day, you must select a payment date that is at least one (1) Business
Day before the actual Due Date. When scheduling payments, the service
provides the earliest date that can be scheduled for each Biller depending on
how the payment will be made - electronically or paper check. You may change
the date shown for any Biller to a later business date of your choice when you
schedule your payment. If the Biller requires a payment stub, coupon or
remittance slip, additional time may be needed for the Biller to post payment to
your account with the Biller, as Online Bill Pay does not provide such
documentation. If you are aware that a Biller requires such documentation, you
agree to submit that documentation separately and select a date in Online Bill
Pay that is at least five (5) Business Days in advance of the Due Date.
Occasionally, a Biller may choose not to participate in the Online Bill Pay Service
or may require additional information before accepting payments. The Service
will work with these Billers to encourage them to accept electronic or check
payments from the Service. If we are unsuccessful, or if we determine that the
Biller cannot process payments in a timely manner, we may decline future
payments to such Biller.

Business Accounts - Payment Limitation During Enrollment Verification

Process
 During the enrollment verification process, which may take up to 3 business
days, all payments scheduled during this time will be limited to a total of $5,000.
If we are unable to verify your entitlement to Online Bill Pay, your access to
Online Bill Pay Service will be revoked and any pending transactions will be
cancelled.

3. Online Banking and Bill Pay Guarantee

Due to circumstances beyond the control of the Online Bill Pay Service,
particularly with factors outside of PNC's control - including the handling, delivery,
and settlement of payments by Billers or the Billers' financial institutions,
transactions may settle earlier or later than the date you selected. For example, a
payment sent to a Biller via paper check may be deducted from your account
earlier than the payment date you selected in Online Bill Pay. As long as the
payment was scheduled in accordance with the guidelines described under "Bill
Payment Scheduling" in this Agreement, the Online Bill Pay Service will bear the
responsibility for any late payment related charges should a payment post to your
account with the Biller after the date you selected, as well as reimburse you for
any fees associated with a check payment that settles prior to the date you
selected in Online Bill Pay. If a mistake is made by the Online Bill Pay Service,
resulting in a late payment, the Online Bill Pay Service may bear the
responsibility for your direct losses or damages. You agree that you must contact
us and provide us with the information necessary in order for us to review and
provide reimbursement. Certain payments are not covered by this Guarantee
(refer to Section D.9). This guarantee may be modified or discontinued at any
time.

4. Payment Authorization and Payment Remittance

By providing the Service with names and account information of Billers to whom
you wish to direct payments, you authorize the Service to follow the Payment
Instructions it receives through the payment system. In order to process
payments more efficiently and effectively, the Service may edit or alter payment
data or data formats in accordance with Biller directives. In the event that a
payment you are attempting to schedule exceeds the Individual Payment Limit of
the Service, you will be notified at the time you attempt to schedule the payment
and will be asked to resubmit your request. Furthermore, the Individual Payment
Limit may be modified by the Service from time to time, without prior notice.
When the Service receives a Payment Instruction, you authorize the Service to
debit your Bill Payment Account and remit funds on your behalf so the funds
arrive as close as reasonably possible to the date selected by you in Online Bill
Pay. Please note, as indicated above in Section D.3, payments may settle earlier
or later than the date you selected. You also authorize the Service to credit your
Bill Payment Account for payments returned to the Service by the United States
Postal Service or Payee, or payments remitted to you on behalf of another
authorized user of the Service.

The Service will use its best efforts to make all your payments properly.
However, the Service shall incur no liability and the Online Banking and Bill Pay
Guarantee shall be void if the Service is unable to complete any payments
initiated by you because of the existence of any one or more of the following
circumstances:
 a. If, through no fault of the Service, your Bill Payment Account does not
contain sufficient funds to complete the transaction, or the transaction
would exceed the credit limit of your overdraft account;

b. The payment processing center is not working properly, and you know or
have been advised by the Service about the malfunction before you
execute the transaction;

c. You have not provided the Service with the correct Bill Payment Account
information, or the correct name, amount, address, phone number, or
account information for the Payee; and/or,

d. Circumstances beyond control of the Service (such as, but not limited to,
fire, flood, interruption of telephone service, telecommunications
facilities, or interference from an outside force) prevent the proper
execution of the transaction and the Service has taken reasonable
precautions to avoid those circumstances.

Provided none of the foregoing exceptions are applicable, if the Service causes
an incorrect amount of funds to be removed from your Bill Payment Account or
causes funds from your Bill Payment Account to be directed to a Biller which
does not comply with your Payment Instructions, the Service shall be responsible
for returning the improperly transferred funds to your Bill Payment Account, and
for directing to the proper Biller any previously misdirected transactions, and, if
applicable, for any late payment related charges.

5. Payment Methods

The Service reserves the right to select the method in which to remit funds on
your behalf to your Biller. These payment methods may include an electronic
payment or a paper check. If the Service sends the payment electronically, the
funds will be withdrawn from the Bill Payment Account on the date that you
selected in Online Bill Pay.

Certain Payees are paid with a paper check, which is mailed via United States
Postal Service (USPS) First-Class Mail. If the Service sends the payment by
paper check, the check is mailed in advance of the date you selected in Online
Bill Pay in order to allow for sufficient time for the Payee to receive it. Funds
remitted to the Payee via paper check will not be deducted from your Bill
Payment Account until the paper check is presented to us for payment. In some
instances, it is possible for a payment sent by paper check to be received by the
Payee and presented to us for payment before the date you selected. Thus, the
Bill Payment Account should have sufficient funds beginning a few business days
before the date you select in Online Bill Pay and keep such funds available until
the payment is deducted from the Bill Payment Account.

In some instances, the Service may initiate an electronic payment, but due to
circumstances beyond PNC's control, that payment may be later converted to a
payment via paper check. If, as a result, the payment settles earlier or later than
the date you select and you incur fees, or incur late payment related charges with
the Biller, PNC will reimburse you in accordance with the terms for this Service.)

6. Payment Cancellation Requests

 You may cancel or edit any Scheduled Payment (including recurring payments)
by following the directions within Online Bill Pay's Help Center and Online
Banking User Guide. There is no charge for canceling or editing a Scheduled
Payment. Once the Service has begun processing a payment, it cannot be
cancelled or edited. To determine if the payment can be stopped, refer to Section
D.8 below.

7. Stop Payment Requests

The Service's ability to process a stop payment request will depend on whether
the payment is sent electronically or by paper check. The Service may not have a
reasonable opportunity to act on any stop payment request after a payment has
been processed. If you wish to stop a payment before its payment date, but it no
longer appears as a Scheduled Payment, please call 1-800-762-2035 to
determine whether such payment can be stopped.

8. Payments made outside of the US

Payments to Billers outside of the United States or its territories are prohibited
through the Service.

9. Tax, Legal and Court Payments

Tax payments, payments to settle securities transactions, and court ordered

payments may be scheduled through the Service; however, such payments are
discouraged and must be scheduled at your own risk. In no event shall the
Service be liable for any claims or damages resulting from your scheduling of
these types of payments. The Online Banking and Bill Pay Guarantee does not
apply when these types of payments are scheduled and/or processed by the
Service.

10. Joint Accounts

If your account is joint between you and one or more other person(s), then you
consent to permit us to disclose any information concerning any pending
payments or transactions to the co-owner(s) on the account.

E. E-BILLS/BILL DELIVERY AND PRESENTMENT

This feature is for the presentment of electronic bills only and it is your sole responsibility
to contact your Billers directly if you do not receive your statements. In addition, if you
elect to activate one of Online Bill Pay's electronic bill options, you also agree to the
following:

1. Information provided to the Biller

The Service is unable to update or change your personal information such as,
but not limited to, name, address, phone numbers and e-mail addresses, with the
electronic Biller. You will need to contact the Biller directly for any changes.
Additionally, it is your responsibility to maintain all usernames and passwords for
all electronic Biller sites.
2. Activation

Upon activation of the electronic bill feature the Service may notify the Biller of
your request to receive electronic billing information. The presentment of your
first electronic bill may vary from Biller to Biller and may take up to sixty (60)
days, depending on the billing cycle of each Biller. Additionally, the ability to
receive a paper copy of your statement(s) is at the sole discretion of the Biller.
While your electronic bill feature is being activated it is your responsibility to keep
your accounts current. Each electronic Biller reserves the right to accept or deny
your request to receive electronic bills. Some Billers provide you with terms and
conditions which may affect your request to receive electronic bills. You should
read these terms and conditions. However, such terms and conditions are under
the control of the Biller and not part of this Agreement. In some cases, we may
obtain the electronic bill from the web site of the Biller. To do so, we will ask you
for information needed for this purpose, such as any required password. When
you provide us this information, you authorize us to access the third-party web
site to retrieve the account information on your behalf, and you appoint us your
agent for this limited purpose.

3. Notification

The Service will use its best efforts to present all of your electronic bills promptly.
In addition to notification within Online Bill Pay, the Service may send an e-mail
notification to the e-mail address listed for your account. It is your sole
responsibility to ensure that this information is accurate. In the event you do not
receive notification, it is your responsibility to periodically logon to Online Bill Pay
and check on the delivery of new electronic bills. The time for notification may
vary from Biller to Biller. You are responsible for ensuring timely payment of all
bills. Please be advised that you may be running software or have an Internet
Service Provider (ISP) that attempts to block SPAM e-mail. Depending on the
parameters that have been established, this may block the e-mail notification as
part of the Bill Presentment Service, and it is your responsibility to work with your
ISP and/or change the settings in your software to allow the e-mail notification
process to function properly. This does not inhibit the presentation found within
the Pay Bills on Online Bill Pay and therefore the status of your e-Bills can
always be found within the Service.

4. Cancellation of electronic bill notification

The electronic Biller reserves the right to cancel the presentment of electronic
bills at any time. You may cancel electronic bill presentment at any time. The
timeframe for cancellation of your electronic bill presentment may vary from Biller
to Biller. It may take up to sixty (60) days, depending on the billing cycle of each
Biller. The Service will notify your electronic Payee(s) as to the change in status
of your account and it is your sole responsibility to make arrangements for an
alternative form of bill delivery. The Service will not be responsible for presenting
any electronic bills that are already in process at the time of cancellation. If
Online Banking service is suspended, terminated, or revoked, the e-Bill service
will be cancelled.

5. Non-Delivery of electronic bill(s)

 You agree to hold the Service harmless should the Biller fail to deliver your
statement(s). You are responsible for ensuring timely payment of all bills. Copies
of previously delivered bills must be requested from the Biller directly.

6. Accuracy and dispute of electronic bill

The Service is not responsible for the accuracy of your electronic bill(s). The
Service is only responsible for presenting the information we receive from the
Biller. Any discrepancies or disputes regarding the accuracy of your electronic bill
summary or detail must be addressed with the Biller directly.

This Agreement does not alter your liability or obligations that currently exist
between you and your Billers.

a. EXCLUSIONS OF WARRANTIES

ONLINE BILL PAY AND RELATED DOCUMENTATION ARE

PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER
EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE
IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR
A PARTICULAR PURPOSE.

b. FAILED OR RETURNED TRANSACTIONS

In using Online Bill Pay, you are requesting the Service to make
payments for you from your Bill Payment Account. If we are unable to
complete the transaction for any reason associated with your Bill
Payment Account (for example, there are insufficient funds in your Bill
Payment Account to cover the transaction), the transaction will normally
not be completed. In the event we do allow a withdrawal for which there
is not sufficient available funds, we may exercise all rights available to us
under the "Withdrawals" and "Money Owed" sections of the Account
Agreement.

The Online Banking and Bill Pay Guarantee does not apply to any of the
transactions described in this paragraph.

c. BILLER LIMITATION

PNC Bank reserves the right to refuse to pay any Payee to whom you
may direct a payment. PNC Bank will notify you promptly if it decides to
refuse to pay a Payee designated by you. This notification is not required
if you attempt to make a prohibited payment or an exception payment
under this Agreement.

d. RETURNED PAYMENTS

In using Online Bill Pay, you understand that Billers and/or the United
States Postal Service may return payments to the Service for various
reasons such as, but not limited to, Biller's forwarding address expired;
Biller account number is not valid; Biller is unable to locate account; or
Biller account is paid in full. The Service will use its best efforts to
research and correct the returned payment and return it to your Biller or
 void the payment and credit your Bill Payment Account. You may receive
notification from the Service. The Online Banking and Bill Pay Guarantee
does not apply to any of the transactions described in this paragraph.

e. INFORMATION AUTHORIZATION

Your enrollment in Online Bill Pay may not be fulfilled if the Service
cannot verify your identity or other necessary information. Through your
enrollment in Online Bill Pay, you agree that the Service (either PNC or
Fiserv) reserves the right to request a review of your credit rating at its
own expense from a consumer reporting agency. In addition, you agree
that the Service (either PNC or Fiserv) reserves the right to obtain
financial information regarding your account from a Biller or your financial
institution (for example, to resolve payment posting problems or for
verification).

F. INFORMATION REVIEW AND IMAGES

You may use the Service to view current balance information, review posted
transactions and view images of certain documentation related to your Eligible
Accounts. While PNC attempts to provide accurate and up to date information, we
do not guarantee the accuracy of the information presented. The accuracy of such
information is sometimes subject to transmission of data from third parties. Such
material is presented for informational purposes only and is not to be considered
as official bank records and they are not a replacement of your bank statements.
PNC makes no warranties that the information presented for viewing on the
Service will be uninterrupted, timely or error-free.

G. ONLINE STATEMENTS

The provisions of this section are applicable upon enrollment and activation for the PNC
Online Statement service. To complete your requests to enroll and to stop receiving
paper statements by mail for one or more of your accounts, please read and accept this
Online Banking Service Agreement. If Online Statement delivery is not automatically
turned on by the service, then activate for Online Statement delivery any of your eligible
checking, savings, and money market accounts by going to the My Accounts section of
PNC's Online Banking service, and clicking "Online Statements," then select any or all of
the accounts listed in the activation list.

1. With the Online Statement service, you may request the convenience of
receiving your statement(s) electronically at PNC's Online Banking web site.
Electronic delivery of your statements will in most cases eliminate delivery of the
paper statement and check images that may be enclosed with that statement. If
you select and activate this option, you must then log on to PNC's secure Online
Banking web site using your Online Banking password and user ID to review the
new statement. As a convenience to you, we can provide you with an e-mail
notice to up to two e-mail addresses that your statement is available for view.
You must specify the e-mail addresses to receive such notices when activating
the service for your accounts. We do not guarantee delivery of such e-mail notice
and reserve the right to cancel such e-mail notice at any time. Regardless of your
receipt of e-mail notice, you agree that our posting of the statement at the Online
Banking web site constitutes delivery of the statement to you. You agree to log
on to the Online Banking web site at least once a month to review your
statements.
2. In order to deliver notifications of new statements, you must update us with any
change in your e-mail address(es). You can change the e-mail address(es) for
the statement notification at any time by accessing the online statements Edit
Preferences feature within any online statement. PNC is not responsible for e-
mail delivery failures beyond our control, including, but not limited to, Internet
Service Provider outages, hardware or software failures, interruption of telephone
service, telecommunications facilities or interference from an outside source.
Depending upon your computer's spam filter, you may wish to add
PNCBank_statements@pnc.com to your e-mail address book.

3. A PDF version of the statement will be made available. Some marketing and
promotional materials may not be available with the online statement. Statements
may be accessed up to 7 years on deposit accounts, up to 4 years on credit
cards, up to 7 years on auto and unsecured installment loans, up to 5 years on
mortgage and home equity and up to 10 years on investments. Online statement
history will not be available for accounts that have been closed. You may also
print the statements or download to your own system. It is your responsibility to
maintain a working User ID and Password to enable you to sign on to PNC Bank
Online Banking to view your statements.

4. Combined statements are not available online. Each account is presented

separately in its electronic format. If you receive a combined paper statement for
your accounts and you want to receive online statements for all of your accounts,
you must activate each account for the service. If you do not select to receive an
Online Statement for each account on a combined statement, you will continue to
receive a combined paper statement and any applicable fees.

5. If the account(s) for which you wish to receive online statements is a joint
account, you agree that transmission of any e-mail notice to the e-mail
address(es) that have been supplied for that account constitutes fulfillment of
PNC's notification obligations (if any) on behalf of all account owners. All joint
owners will be able to access the statements for activated accounts at PNC
Bank's Online Banking site, and the consent of a single account owner is
sufficient to activate the account. By viewing the online statement of a previously
activated account, you agree to the terms and conditions of this section.

6. PNC reserves the right to terminate the electronic delivery of the online
statement at its sole discretion. If electronic delivery of the statement ceases,
then paper statement delivery will resume to the street address we have on
record for the account.

7. By accepting this Online Banking Services Agreement when you sign on to

Online Banking using your Password and User ID, and activating one or more of
your accounts for Online Statement delivery, you consent to the electronic
delivery of your periodic statements including any check images you may
currently receive, and notices (including any change in terms) which are included
with the paper statements for the selected account(s). You will receive one
statement in the mail after activating an account for online statements. Copies of
any paper checks you currently receive will not be returned and will be processed
as described in the Non-Return of Checks section of your consumer account
agreement. You may cancel your consent and again receive paper statements at
any time by selecting Edit Preferences within any online statement, then
deactivating the account(s) or by calling:
1-888-PNC-BANK (1-888-762-2265).
 If you cancel the service, Check Safekeeping will still apply unless you separately
cancel that Service. The paper statement(s) will be sent to the street address we
have for the account in our records.

You may request a paper copy of any statement by contacting the phone number
listed above.

8. Online statements are free of charge. Other fees are documented in the
applicable consumer or business schedule of service charges and fees. Prices
and services are subject to change from time to time.

9. Please review the E-Sign Disclosure that appears at the beginning of this Online
Banking Services Agreement. Such disclosure provides the system requirements
necessary for you to utilize the Online Statements feature.

10. Your consent

To stop mail delivery of your paper statement, you must accept the Online
Banking Services Agreement, acknowledging that you agree to the terms, and, if
online statements are not automatically activated at enrollment, then activate the
account(s) for which you wish to receive online statements by clicking on Online
Statements from any My Accounts page and selecting account(s) for activation.
By taking such actions, you consent to the terms of the Online Statement terms
and conditions, as they may be modified from time to time.

H. External Transfers (Deposit Accounts)

PNC Bank is pleased to offer the External Transfer service (referred to as "Service" in
this subsection) as a feature of PNC Online Banking. The Service offered by PNC Bank
and Fiserv. ("service provider"), allows you to transfer funds to or from your Eligible
Accounts held at PNC and most other accounts held by you at other U.S. financial
institutions - referred to in this Paragraph I as "Accounts." External transfers may only be
requested:

a. Between deposit accounts that have the same owner(s) listed on both
accounts;

b. The transfer is permitted by your external financial institution; and

c. The transfer is permitted by law.

The Service also includes the optional capability to electronically send money to friends,
family and other associates with banking accounts held at PNC Bank or other U.S.
financial institutions. You do not have to be an owner of the account to which you are
sending money using this feature.

Detailed instructions and explanations of how to use the Service can be found in the Help
section of the Service within Online Banking. In order to use the Service, you agree to
follow such instructions.

Additional Definition of terms:

"External Account" is your account at another financial institution (i) to which you are
transferring funds from your Eligible Account; or (ii) from which you are transferring funds
to your Eligible Account

1. Information Authorization

PNC and our service provider reserve the right to obtain such additional
information as we deem reasonably necessary.

Once you are approved for the Service, we may verify the Accounts that you add
to the Service from time to time. You authorize us to validate the Accounts
through the use of a test transfer, in which one or more low value payments will
be both credited to and debited from the Account. The test credit will always
occur before the test debit and will always be of the same or lesser amount, so
that the balance in any of your Accounts will never be less than the actual
balance.

Once the test transfer is complete, we may ask you to access your Account to tell
us the amount of the test credit or debit or any additional information reported by
your bank or brokerage firm with this test transfer. We may also verify your
external Accounts by employing external databases and services, or by requiring
you to submit proof of ownership of the Account.

Other account verification methods may also be employed at the sole discretion
of PNC Bank and our service provider and are described in Section N – PNC
Mobile Banking.

2. User Content

Subject to PNC's Privacy Policy, you agree that PNC and its service provider
may use, copy, modify, display, and distribute any information, data, materials or
other content (the "Content") you provide to or provide access to PNC for the
purpose of using the Service, and you hereby give PNC a license to do so. By
submitting Content, you represent that you have the right to license such Content
to PNC for the purposes set forth in this Agreement.

3. Accounts

By using the Service, you represent and warrant to PNC that you have the right
to authorize and permit us to affect such funds transfers or for any other purpose
authorized by this Agreement, and you assure us that by disclosing and
authorizing us to use such information you are not violating any third-party rights.
You warrant and represent that the information you are providing us is true,
current, correct and complete. You hereby authorize and permit PNC and our
service provider to use information submitted by you to accomplish these
purposes and to configure the Service to be compatible with the Accounts.

a. You understand and agree that at all times your relationship with each
Account provider is independent of PNC and your use of the Service.
 PNC will not be responsible for any acts or omissions by the financial
institution or other provider of any Account, including without limitation
any modification, interruption or discontinuance of any Account by such
provider.

b. YOU ACKNOWLEDGE AND AGREE THAT WHEN PNC AND OUR

SERVICE PROVIDER IS AFFECTING AN EXTERNAL TRANSFER
FROM OR TO ANY OF YOUR ACCOUNTS, PNC AND OUR SERVICE
PROVIDER IS ACTING AS YOUR AGENT, AND NOT AS THE AGENT
OR ON BEHALF OF ANY THIRD-PARTY. YOU AGREE THAT PNC, ITS
AFFILIATES, SERVICE PROVIDERS AND PARTNERS SHALL BE
ENTITLED TO RELY ON THE FOREGOING AUTHORIZATION
GRANTED BY YOU. YOU AGREE THAT WE SHALL NOT BE LIABLE
FOR ANY COSTS, FEES, LOSSES OR DAMAGES OF ANY KIND
INCURRED AS A RESULT OF

i. OUR INABILITY DUE TO THE ACTIONS OF A THIRD-PARTY

TO DEBIT AND/OR CREDIT THE ACCOUNTS IN
ACCORDANCE WITH YOUR TRANSFER INSTRUCTIONS;

ii. ANY INACCURACY, INCOMPLETENESS OR

MISINFORMATION CONTAINED IN THE INFORMATION
RETRIEVED FROM THE ACCOUNTS;

iii. ANY CHARGES IMPOSED BY ANY PROVIDER OF

ACCOUNTS FOR FUND TRANSFERS AND

iv. ANY FUNDS TRANSFER LIMITATIONS SET BY THE

FINANCIAL INSTITUTIONS OR OTHER PROVIDERS OF THE
ACCOUNTS.

c. Not all types of accounts are eligible for the Service. Be sure to check
with your financial institution for restrictions regarding transfers among
your retirement (401k, IRA, etc.), savings, trusts, loans, custodial,
business, corporate and other account types. PNC is not responsible for
any costs or losses incurred from transfers that are not permitted under
such restrictions by the provider of your Account or those imposed by
applicable law.

4. Communications

a. How to Withdraw Consent.

If you have registered for the Service and you wish to withdraw your
consent to have Communications provided in electronic form, you must
cancel any pending transfer requests (within the time period permitted by
the Service cancellation policies) and stop using the Service.

b. How to Update Your Records.

You agree to promptly update your registration records if your e-mail

address or other information changes. You may update your records,
 such as your e-mail address, by using the Customer Service page in
Online Banking.

5. Transfer Types and Limitations

a. Types of Transfers

You may use the Service to transfer funds to or from an eligible PNC
account and another account held by you at another U.S. financial
institution or to an investment account held by you at an approved
brokerage firm with whom the service provider has an established
relationship. Transfers may be scheduled to occur one time, for a future
date, or on a specified recurring basis.

b. Dollar Amount of Transfers

You may not make transfers in excess of limits defined in the Schedule
External Transfers screen. We reserve the right to change from time to
time the dollar amount of the transfers you are permitted to make using
the Service. Without limiting the foregoing, in the event that your use of
the Service has been suspended and reinstated as provided herein (see
"Suspension and Reinstatement of External Transfers" below), you
understand and agree that your use of the Service thereafter may be
subject to lower dollar amount limitations than would otherwise be
permitted by us.

c. Transfers Subject to the Rules of the Accounts

Additionally, all transfers are subject to the rules and regulations

governing the relevant Accounts, whether held at PNC or elsewhere.
You agree not to effect any transfers from or to an Account that are not
allowed, under the rules or regulations applicable to such accounts.

6. Initiating Transfers

When PNC receives a Transfer Instruction, you authorize us to debit your

designated Transfer Account and credit funds to the receiving account. If
transferring to an Account (checking, savings or money market), any future
dated, or recurring transfer scheduled to occur on a non-Business Day will be
processed on the Business Day prior to the Scheduled Transfer Date. Refer to
the User Guide and Online Banking screens where you schedule your
transaction for more detailed information.

If we learn that you have insufficient funds in the Transfer Account from which
you requested, we send money, we may cancel the transfer. If a transfer occurs
and you have insufficient funds in the Transfer Account, you may owe us for, and
agree to promptly repay the amount of any shortfall. We may apply funds in your
other accounts against the amount you owe us, or we may reverse any transfer
made which caused the shortfall.

It is your sole responsibility to provide the correct information to enable us to

complete your Transfer Instructions, including but not limited to information
concerning the "From Account," "To Account," dollar amount, and dates. PNC is
 not responsible for Transfers made to unintended accounts, or for the failure of a
transfer, due to the input of incorrect information by you.

7. Rejection of Transfers

We reserve the right to decline to affect any transfer, to submit transfer

instructions or to carry out change or cancellation requests. We may at any time
decline to affect any transfers that we believe may violate applicable law, or
where there is not sufficient funds in your Account to effect any requested
transfer.

8. Authorization

You authorize us to select any means to execute your transfer instructions. You
understand that to affect your transfer instruction we utilize the Automated
Clearing House (ACH), using applicable ACH Rules, to debit one of your
Accounts and credit another of your Accounts.

When transferring fund to an external account, once your Account has been
debited, we credit our service provider's transfer account at the service provider's
clearing bank. After our service provider and/or its clearing bank are reasonably
certain that the debit will not be returned (in most cases this is usually between 3-
4 banking days), our service provider will credit your destination Account.

When transferring fund from an external account, once your Account has been
credited, we debit our service provider's transfer account at the service provider's
clearing bank. After our service provider and/or its clearing bank are reasonably
certain that the credit will not be returned (in most cases this is usually between
3-4 banking days), our service provider will debit your destination Account.

The sole purpose for our service provider's transfer account is to complete your
transfer requests and for performing the services within the scope of this
Agreement. The service provider earns no interest on the funds in the transfer
account. If the debit side fails or is returned for any reason and the credit side
has been released and cannot be collected, you authorize our service provider to
collect from the Account to which the credit side of the funds transfer was sent.
We reserve the right to resubmit a debit, or a portion of the debit, in the event of
an insufficient or uncollected funds return and if we cannot collect the amount
credited. To affect this collection, you understand and authorize us to debit the
credited Account or the debited Account in either the same dollar amount as the
original funds transfer or a portion of the debit. There may be a fee associated
with such collection imposed by the financial institution holding the Account.

In the event that a debit to any of your Accounts, or any portion of any such debit,
has failed and the credit side of such transaction has been released and cannot
be collected, and we are unable to debit either the debited or the credited
Account as set forth above, we reserve the right, and you hereby authorize us, to
debit any of your other Accounts to the extent necessary to offset any resulting
deficiency. We do not undertake to notify you in such event, other than by
posting any such transfer or transfers to the applicable Account in accordance
with this Agreement. You understand and agree that in the event we are unable
to execute your transfer request utilizing the ACH, we may utilize other
established payment mechanisms in order to complete your funds transfer
instructions, such as wire transfer or check.
 a. You represent and warrant that you are either the sole owner or a joint owner
of the Eligible Transaction Account and the External Account and that you
have all necessary legal right, power and authority to transfer funds between
the Eligible Transaction Account and the External Account. If you are a joint
owner of the Eligible Transaction Account, External Account, or both, then
you represent and warrant that (i) you have been authorized by all of the
other joint owners to operate such Accounts without their consent (including
without limitation to withdraw or deposit any amount of funds to such
Accounts or to even withdraw all funds from such Accounts); and (ii) we may
act on your instructions regarding such Accounts without liability to such
other joint owners. Further, you represent and warrant that the External
Account is located in the United States.

b. You may initiate (1) a one-time Transfer Instruction for which processing
shall be initiated immediately, (2) a one-time Transfer Instruction for which
processing shall be initiated at a later specified date up to one (1) year, and
(3) a recurring series of Transfer Instructions for which processing shall be
initiated on the specified dates. Options (2) and (3) above are not available
for Instant Transfers. Further details about each of these options can be
found on the Site. When we receive a Transfer Instruction from you, you
authorize us to (i) debit your Eligible Transaction Account and remit funds on
your behalf to the External Account designated by you and to debit your
applicable Account as described in Section H6 of this agreement; or, as
applicable, to (ii) credit your Eligible Transaction Account and remit funds on
your behalf from the External Account designated by you and to debit your
applicable Account. You also authorize us to reverse a transfer from the
applicable Account if the debit is returned from the other Account in the
transaction for any reason, including but not limited to nonsufficient funds.
Transfers may be delayed or blocked to prevent fraud or comply with
regulatory requirements. If we delay or block a Transfer Instruction that you
have initiated, we will notify you in accordance with your user preferences
(i.e. email, push notification).

9. Suspension and Reinstatement of External Transfers

The Service may not be available at all times. In the event that we at any time
incur a problem with your use of the Service, including without limitation a failure
in attempting to debit any of your Accounts or to collect with respect to any of
your transfers as described above, and without limiting any other right or remedy
that we may have under this Agreement or otherwise, we reserve the right to
suspend your right to use the Service, immediately and without prior notice to
you. You understand and agree that such action is reasonable for us to take in
order to protect ourselves from loss. In the event of such suspension, you may
request reinstatement of your service by contacting us using any of the methods
provided for under this Agreement (see "Error Reporting and Claims," below).
We reserve the right in its sole discretion to grant or deny reinstatement of your
use of the Service. In the event we agree to reinstate you, we reserve the right
to, and ordinarily will, initially reinstate your Service subject to lower per-
transaction and monthly dollar limits and/or with other restrictions than otherwise
might be available to you, based upon your subsequent usage of the Service
PNC in its sole discretion may thereafter restore your ability to effect transfers
subject to such higher limits as may then be in effect (see "Dollar Amount of
Transfers," above).
10. Documentation

You may access a statement of all external transfers effected or pending at any
time by clicking on the 'Activity’ tab located within the Transfers Service. If a
transfer could not be completed, PNC and/or our service provider, upon learning
that the transfer has failed, will make a reasonable effort to complete the transfer.
If the transfer fails a second time, we will notify you to contact your financial
institution or other provider of the relevant Account to learn more about the
failure.

11. Errors

You understand that we must rely on the information provided by you and you
authorize us to act on any instruction which has been or reasonably appears to
have been sent by you, to submit transfer instructions on your behalf. You
understand that financial institutions receiving the transfer instructions may rely
on such information. We are not obliged to take any further steps to confirm or
authenticate such instructions and will act on them without getting further
confirmation. You understand that if you provide us with incorrect information or if
there is any error in your instruction, we will make all reasonable efforts to
reverse or delete such instructions, but you accept full responsibility for losses
resulting from any of your errors, duplication, ambiguities or fraud in the
information that you provide. You agree not to impersonate any person or use a
name that you are not authorized to use. If any information you provide is untrue,
inaccurate, not current or incomplete, without limiting other remedies, PNC
reserves the right to recover from you any costs or losses incurred as a direct or
indirect result of the inaccurate or incomplete information.

a. You will reimburse PNC immediately upon demand the amount of the
Payment Instruction if the payment has been delivered but there are
insufficient funds in, or insufficient overdraft credits associated with, your
Eligible Transaction Account to allow the debit processing to be
completed.
b. PNC is authorized to report the facts concerning the return to any credit
reporting agency.

We are not responsible for errors, delays and other problems caused by or
resulting from the action or inaction of financial institutions holding the Account.
Although we will try to assist you in resolving any such problems, you understand
that any such errors, delays or other problems are the responsibility of the
relevant financial institution. Any rights you may have against a financial
institution for such errors, delays or other problems are subject to the terms of
the agreements you have with such financial institution, including any time limits
during which complaints must be made.

12. Proprietary Rights

You acknowledge and agree that PNC and/or our service provider own all rights
in and to the Service. You are permitted to use the Service only as expressly
authorized by this Agreement. You may not copy, reproduce, distribute, or create
derivative works, reverse engineer or reverse compile any of PNC's and/or our
service provider's services or technology.

13. No Unlawful or Prohibited Use

 As a condition of using the Service, you warrant to us that you will not use the
Service for any purpose that is unlawful or is not permitted, expressly or
implicitly, by the terms of this Agreement or by any applicable law or regulation.
You further warrant and represent that you will not use the Service in any manner
that could damage, disable, overburden, or impair the Service or interfere with
any other party's use and enjoyment of the Service. You may not obtain or
attempt to obtain any materials or information through any means not
intentionally made available or provided for through the Service. You agree that
these warranties and representations will remain in full force and effect even if
this Agreement terminates for any reason.

Prohibited use includes but is not limited to the following:

a. Payments to or from persons or entities located in prohibited territories

(including any territory outside of the United States).
b. Payments that violates any law, statute, ordinance or regulation.
c. Payments that violate the Acceptable Use (see Acceptable Use in
section IV H).
1.
d. Tax payments and court ordered payments.

Except as required by applicable law, in no event shall we or our service provider

be liable for any claims or damages resulting from your scheduling of prohibited
payments. We encourage you to provide notice to us of any violation in the
Terms of this Agreement.

14. Service Changes and Discontinuation

We may modify or discontinue the Service or your use of some or all accounts
within the Service, with or without notice, without liability to you, any other user or
any third-party. We may from time to time make available additional or new
features to the Service, including but not limited to, a higher dollar limit service.
You will be approved or declined for any such additional service at our sole
discretion and additional terms and conditions may apply. We reserve the right,
subject to applicable law, to terminate your account within the Service and your
right to use the Service at any time and for any reason, including without
limitation if we, in our sole judgment, believe you have engaged in conduct or
activities that violate any of the Terms or the rights of PNC and/or our service
provider, or if you provide us with false or misleading information or interfere with
other users or the administration of the Service. We reserve the right to charge a
fee for the use of the Service and any additional services or features that we may
introduce. You understand and agree that you are responsible for paying all
applicable fees associated with the use of our services.

Any payment(s) that have begun processing before the requested cancellation
date will be processed by us. You agree that we may terminate or suspend your
use of the Service at any time and for any reason or no reason. Neither
termination, cancellation nor suspension shall affect your liability or obligations
under this Agreement.

15. Security Procedures

You understand that the financial institution at which an Account is maintained

may contact us to verify the content and authority of transfer instructions and any
 changes to those instructions. You understand that, as your agent, we may
provide to such financial institution such information as may be required to verify
the instructions and may constitute a valid security procedure under the rules
governing such Account.

16. Deviating from Security Procedures

You agree to allow us to authorize any financial institution at which you have an
Account to accept funds and transfer instructions in accordance with any
authorization procedures as may be agreed from time to time between you and
such financial institution, or between us, on your behalf, and such financial
institution, without verifying the instructions under the established security
procedures, regardless of whether such security procedures were agreed by you
directly or by us on your behalf. In addition, you agree that we may authorize
such financial institutions to charge and debit your accounts based solely on
these communications.

17. Account Number Policy

If external transfer instructions identify a bank or beneficiary by name and

account number, the relevant financial institution may execute those instructions
by reference to the number only, even if the number does not correspond to the
name. You understand that such financial institutions may not investigate
discrepancies between names and numbers. In addition, you agree that we have
no responsibility to investigate discrepancies between names and numbers.

18. Joint Account Holder

By using the Service, you confirm that, if any of your Accounts is a joint account,
your joint account holder has consented for you to use your Accounts for the
Service. We will end your use of the Service if any joint account holder notifies us
that (i) they never consented to your use of our service, (ii) the joint account can
no longer be operated on your instructions alone, or (iii) they are withdrawing
consent for you to operate the joint account.

19. Means of Transfer

You authorize us to select any means we deem suitable to provide your transfer
instructions to the applicable financial institution. These choices include banking
channels, electronic networks, and funds transfer systems. You agree to be
bound by the rules and regulations that govern the applicable funds transfer
systems, such as automated clearinghouse (ACH) as published by the National
Automated Clearinghouse Association (NACHA). We shall make all reasonable
efforts to ensure that your transfer requests are processed on time; however, we
reserve the right to hold funds beyond the standard period of three (3) business
days.

20. Our Liability

If we do not provide a transfer on time, if we cause an incorrect amount to be

removed from an Account or if we cause funds from an Account to be transferred
to any account other than the Account specified in the applicable funds transfer
instruction, we shall be responsible for returning the improperly transferred funds
 and/or for directing any misdirected funds to the proper Account. PNC is not
responsible or liable if your financial institution's system fails and we are unable
to complete the transfer. Except as otherwise required by law, PNC shall in no
other event be liable for any losses and damages other than those arising from
gross negligence or willful misconduct on our part or pursuant to PNC's Online
Banking Guarantee.

a. You agree that your transfer instructions constitute authorization for us to

complete the transfer. You represent and warrant to us that you have
enough money in the applicable Accounts to make any transfer you
request that we make on your behalf through the Service. You
understand and agree that we are not liable under any circumstances for
any losses or damages if, through no fault of ours, you do not have
enough money to make the transfer and the transfer is not completed or
is later reversed or if your financial institution does not permit the transfer
or the transfer would exceed the credit limit on any applicable overdraft
line.

b. You also understand and agree that we are not responsible for any
losses or damages if circumstances beyond our control (such as fire or
flood) prevent us from making a transfer or if the PNC website was not
working properly and you knew about the breakdown when you started
the transfer.

21. Your Right to Cancel a Transfer

For specific instructions regarding how to cancel an external transfer, refer to the
Help section of that may be accessed by signing on to Online Banking. One-time
transfers that are requested to begin processing on the next available business
day may or may not be cancelled, depending upon when the transfer is
requested and whether our service provider has begun processing the transfer
The status of a transfer may always be verified by clicking the ‘Activity’ tab within
the Service. If a cancel button is displayed within the transfer details box, then
that particular transfer may be cancelled. You may cancel a scheduled transfer
any time before the Process Date of the debit transaction. If the transfer is a
recurring transfer, then you may cancel the entire transfer plan as long as the
request is received before the Process Date of the next recurring transfer. Once
a recurring transfer is cancelled, all future transfers will also be cancelled, and
you must reschedule the recurring transfer if you want transfers to be made in
the future.

22. Limitation of Warranty and Liability

YOU UNDERSTAND AND AGREE THAT THE SERVICE IS PROVIDED "AS-IS."

EXCEPT AS OTHERWISE PROVIDED IN THIS AGREEMENT OR AS
REQUIRED BY LAW, WE ASSUME NO RESPONSIBILITY FOR THE
TIMELINESS, DELETION, MIS-DELIVERY OR FAILURE TO STORE ANY
USER COMMUNICATIONS. YOU UNDERSTAND AND EXPRESSLY AGREE
THAT USE OF THE SERVICE IS AT YOUR SOLE RISK, THAT ANY MATERIAL
AND/OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE
USE OF THE SERVICE IS DOWNLOADED OR OBTAINED AT YOUR OWN
DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE
FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGE TO
YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE
 DOWNLOAD OR THE OBTAINING OF SUCH MATERIAL AND/OR DATA.
EXCEPT AS EXPRESSLY SET FORTH ON THE PNC WEB SITE OR IN THIS
AGREEMENT, WE DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS
OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF
MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-
INFRINGEMENT OF INTELLECTUAL PROPERTY OR THIRD PARTY RIGHTS,
AND WE MAKE NO WARRANTY OR REPRESENTATION REGARDING THE
RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE, THE
ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH
THE SERVICE, THE ACCURACY OF ANY INFORMATION RETRIEVED BY US
FROM THE ACCOUNTS OR THAT THE SERVICE WILL MEET ANY USER'S
REQUIREMENTS, BE UNINTERRUPTED, TIMELY, SECURE OR ERROR
FREE. EXCEPT AS DESCRIBED IN THE PNC ONLINE BANKING
GUARANTEE, WE WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT,
INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES OF ANY
KIND RESULTING FROM THE USE OF OR THE INABILITY TO USE THE
SERVICE, ANY INACCURACY OF ANY INFORMATION OR AMOUNT
RETRIEVED BY US FROM THE ACCOUNTS, ANY BREACH OF SECURITY
CAUSED BY A THIRD PARTY, ANY TRANSACTIONS ENTERED INTO BASED
ON THE SERVICE, ANY LOSS OF, UNAUTHORIZED ACCESS TO OR
ALTERATION OF A USER'S TRANSMISSIONS OR DATA OR FOR THE COST
OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES, INCLUDING
BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, USE, DATA OR
OTHER INTANGIBLES, EVEN IF WE HAD BEEN ADVISED OF THE
POSSIBILITY OF SUCH DAMAGES.

23. Indemnification

You agree to indemnify, defend and hold harmless PNC, its service provider, its
affiliates, partners, officers, directors, employees, consultants, service providers
and agents from any and all third-party claims, liability, losses, damages and/or
costs (including, but not limited to, attorneys fees) arising from your use of the
Service, our reliance on the information, instruction, license and/or authorization
provided by you under or pursuant to this Agreement, your violation of the Terms
or your infringement, or infringement by any other user of your Accounts, of any
intellectual property or other right of any person or entity.

24. Miscellaneous

You understand and agree that our service provider is not a bank, a broker-
dealer firm, or any other kind of financial institution. You represent and warrant
that you are who you claim to be; that you are the rightful owner of all Content
and the Accounts linked for the purposes of the Service; and that you are
rightfully authorizing us to make transfers to and from your accounts.

You agree that our rights and remedies arising out of any breach of your
representations and warranties in this Agreement, the limitations on our liability
and our rights to indemnification under this Agreement are continuing and shall
survive the termination of this Agreement, notwithstanding the lack of any
specific reference to such survivability in these provisions. PNC's failure to
enforce the strict performance of any provision of this Agreement will not
constitute a waiver of PNC's right to subsequently enforce such provision or any
other provisions of this Agreement.
 Wireless carrier charges may apply to you or the recipient for text messaging
services. Check with your wireless carrier for details regarding your specific
wireless plan and any text messaging charges that may apply.

25. Acceptable Use

You agree that you are independently responsible for complying with all
applicable laws in all of your activities related to your use of the Service,
regardless of the purpose of the use, and for all communications you send
through the Service. We and our Service Providers have the right but not the
obligation to monitor and remove communications content that we find in our sole
discretion to be objectionable in any way.

25. Stop Payments Request

If you desire to stop any external transfer that has already been processed, you
must contact customer care. Although we will make a reasonable effort to
accommodate your request, we will have no liability for failing to do so. We may
also require you to present your request in writing within fourteen (14) days. The
charge for each request will be the current charge for such service as set out in
the applicable fee schedule.

I. External Transfer Payments (Lending Accounts)

1. PNC Bank offers an External Transfer Payment service (referred to as "Transfer
Payments Service" in this subsection) as a feature of PNC Online Banking. The
Service offered by PNC Bank and FDR Inc. ("Payment Service Provider"), allows
you to transfer funds from your Eligible Accounts held by you at other U.S.
financial institutions - referred to in this Paragraph I as "Accounts". The service
also allows you to make transfer payments from Eligible Accounts to your lending
account.

External Transfer Payments may only be requested:

a. To pay PNC Bank Lending Accounts excluding Wealth and Commercial

Loans and Lines of Credit;
b. The transfer is permitted by your external financial institution;
c. The transfer is permitted by law;

In order to use the Service, you agree to the following:

a. Information Authorization

PNC and our service provider reserve the right to obtain such additional
information as we deem reasonably necessary.

Once you are approved for the Transfer Payments Service, we may
verify the Accounts that you add to the Service from time to time.

We may verify your external Accounts by employing external databases

and services, or by requiring you to submit proof of ownership of the
Account.
 Other account verification methods may also be employed at the sole
discretion of PNC Bank and our service provider.

2. User Content

Subject to PNC's Privacy Policy, you agree that PNC and its service provider
may use, copy, modify, display and distribute any information, data, materials or
other content (the "Content") you provide to or provide access to PNC for the
purpose of using the Service, and you hereby give PNC a license to do so. By
submitting Content, you represent that you have the right to license such Content
to PNC for the purposes set forth in this Agreement.

3. Accounts

By using the Service, you represent and warrant to PNC that you have the right
to authorize and permit us to affect such funds transfers or for any other purpose
authorized by this Agreement, and you assure us that by disclosing and
authorizing us to use such information you are not violating any third-party rights.
You warrant and represent that the information you are providing us is true,
current, correct and complete. You hereby authorize and permit PNC and our
service provider to use information submitted by you to accomplish these
purposes and to configure the Service to be compatible with the Accounts.

a. You understand and agree that at all times your relationship with each
Account provider is independent of PNC and your use of the Service.
PNC will not be responsible for any acts or omissions by the financial
institution or other provider of any Account, including without limitation
any modification, interruption or discontinuance of any Account by such
provider.

b. YOU ACKNOWLEDGE AND AGREE THAT WHEN PNC AND OUR

SERVICE PROVIDER IS AFFECTING AN EXTERNAL TRANSFER
FROM OR TO ANY OF YOUR ACCOUNTS, PNC AND OUR SERVICE
PROVIDER IS ACTING AS YOUR AGENT, AND NOT AS THE AGENT
OR ON BEHALF OF ANY THIRD-PARTY. YOU AGREE THAT PNC, ITS
AFFILIATES, SERVICE PROVIDERS AND PARTNERS SHALL BE
ENTITLED TO RELY ON THE FOREGOING AUTHORIZATION
GRANTED BY YOU. YOU AGREE THAT WE SHALL NOT BE LIABLE
FOR ANY COSTS, FEES, LOSSES OR DAMAGES OF ANY KIND
INCURRED AS A RESULT OF

i. OUR INABILITY DUE TO THE ACTIONS OF A THIRD-PARTY

TO DEBIT AND/OR CREDIT THE ACCOUNTS IN
ACCORDANCE WITH YOUR TRANSFER INSTRUCTIONS;

ii. ANY INACCURACY, INCOMPLETENESS OR

MISINFORMATION CONTAINED IN THE INFORMATION
RETRIEVED FROM THE ACCOUNTS;

iii. ANY CHARGES IMPOSED BY ANY PROVIDER OF

ACCOUNTS FOR FUND TRANSFERS AND
 iv. ANY FUNDS TRANSFER LIMITATIONS SET BY THE
FINANCIAL INSTITUTIONS OR OTHER PROVIDERS OF THE
ACCOUNTS.

c. Not all types of accounts are eligible for the Service. Be sure to check
with your financial institution for restrictions regarding transfers among
your retirement (401k, IRA, etc.), savings, trusts, loans, custodial,
business, corporate and other account types. PNC is not responsible for
any costs or losses incurred from transfers that are not permitted under
such restrictions by the provider of your Account or those imposed by
applicable law.

4. Communications
a. How to Withdraw Consent.

If you utilize the Transfer Payments Service and you wish to withdraw
your consent to have Communications provided in electronic form, you
must cancel any pending transfer requests (within the time period
permitted by the Service cancellation policies) and stop using the
Service.

b. How to Update Your Records.

You agree to promptly update your registration records if your e-mail

address or other information changes. You may update your records,
such as your e-mail address, by using the Customer Service page in
Online Banking.

5. Transfer Types and Limitations

a. Types of Transfers

You may use the Transfer Payments Service to transfer funds to an

eligible PNC lending account from another account held by you at PNC
Bank or another U.S. financial institution. Transfers may be scheduled to
occur one time, for a future date, or on a specified recurring basis.

b. Dollar Amount of Transfers

You may not make payments in excess of the current balance on your
credit account. Further, if you enter an amount that exceeds your transfer
limits you will receive an error message. We reserve the right to change
from time to time the dollar amount of the transfers you are permitted to
make using the Transfer Payments Service. Without limiting the
foregoing, in the event that your use of the Service has been suspended
and reinstated as provided herein (see "Suspension, Termination and
Reinstatement of External Transfer Payments" below), you understand
and agree that your use of the Transfer Payments Service thereafter
may be subject to lower dollar amount limitations than would otherwise
be permitted by us.

c. Transfer Payment Frequency

 PNC may limit the number of payments that can be made by a customer within a
lending cycle.

6. Initiating Transfers

When PNC receives a Transfer Instruction, you authorize us to debit your

designated Transfer Account and credit funds to the receiving account. If
transferring to a Lending Account, refer to the User Guide and Online Banking
screens where you schedule your transaction for more detailed information.

If we learn that you have insufficient funds in the Transfer Account from which
you requested, we send money, we may cancel the transfer. If a transfer occurs
and you have insufficient funds in the Transfer Account, you may owe us for, and
agree to promptly repay the amount of any shortfall. We may apply funds in your
other accounts against the amount you owe us, or we may reverse any transfer
made which caused the shortfall.

It is your sole responsibility to provide the correct information to enable us to

complete your Transfer Instructions, including but not limited to information
concerning the "From Account," "To Account," dollar amount, and dates. PNC is
not responsible for Transfers made to unintended accounts, or for the failure of a
transfer, due to the input of incorrect information by you

7. Transfers Subject to the Rules of the Accounts

Additionally, all transfers are subject to the rules and regulations governing the
relevant Accounts, whether held at PNC or elsewhere. You agree not to affect
any transfers from or to an Account that are not allowed, under the rules or
regulations applicable to such accounts.

8. Rejection of Transfers

We reserve the right to decline to affect any transfer, to submit transfer

instructions or to carry out change or cancellation requests. We may at any time
decline to affect any transfers that we believe may violate applicable law, or
where there is not sufficient funds in your Account to effect any requested
transfer.

9. Authorization

You authorize us to select any means to execute your transfer instructions. You
understand that to affect your transfer instruction we utilize the Automated
Clearing House (ACH), using applicable ACH Rules, to debit one of your
Accounts and credit another of your Accounts. If the debit side fails or is returned
for any reason and the credit side has been released and cannot be collected,
you authorize our service provider to collect from the Account to which the credit
side of the funds transfer was sent. We reserve the right to resubmit a debit, or a
portion of the debit, in the event of an insufficient or uncollected funds return and
if we cannot collect the amount credited. To affect this collection, you understand
and authorize us to debit the credited Account or the debited Account in either
the same dollar amount as the original funds transfer or a portion of the debit.
There may be a fee associated with such collection imposed by the financial
institution holding the Account.
10. Suspension, Termination and Reinstatement of External Transfers

The Service may not be available at all times. In the event that we at any time
incur a problem with your use of the Service, including without limitation a failure
in attempting to debit any of your Accounts or to collect with respect to any of
your transfers as described above, and without limiting any other right or remedy
that we may have under this Agreement or otherwise, we reserve the right to
suspend or terminate a transfer or your right to use the Service, immediately and
without prior notice to you. You understand and agree that such action is
reasonable for us to take in order to protect ourselves from loss. In the event of
such suspension, you may request reinstatement of your service by contacting
us using any of the methods provided for under this Agreement (see "Error
Reporting and Claims," below). We reserve the right in its sole discretion to grant
or deny reinstatement of your use of the Service. In the event we agree to
reinstate you, we reserve the right to, and ordinarily will, initially reinstate your
Service subject to lower per-transaction and monthly dollar limits and/or with
other restrictions than otherwise might be available to you, based upon your
subsequent usage of the Service PNC in its sole discretion may thereafter
restore your ability to effect transfers subject to such higher limits as may then be
in effect (see "Dollar Amount of Transfers," above).

11. Documentation

You may access a statement of all external transfers effected or pending at any
time by clicking on the 'Activity' tab located within the Transfers Service. If a
transfer could not be completed, the failed status of the transaction will be
displayed.

12. Errors

You understand that we must rely on the information provided by you and you
authorize us to act on any instruction which has been or reasonably appears to
have been sent by you, to submit transfer instructions on your behalf. You
understand that financial institutions receiving the transfer instructions may rely
on such information. We are not obliged to take any further steps to confirm or
authenticate such instructions and will act on them without getting further
confirmation. You understand that if you provide us with incorrect information or if
there is any error in your instruction, we will make all reasonable efforts to
reverse or delete such instructions, but you accept full responsibility for losses
resulting from any of your errors, duplication, ambiguities, or fraud in the
information that you provide. You agree not to impersonate any person or use a
name that you are not authorized to use. If any information you provide is untrue,
inaccurate, not current, or incomplete, without limiting other remedies, PNC
reserves the right to recover from you any costs or losses incurred as a direct or
indirect result of the inaccurate or incomplete information.

We are not responsible for errors, delays and other problems caused by or
resulting from the action or inaction of financial institutions holding the Account.
Although we will try to assist you in resolving any such problems, you understand
that any such errors, delays or other problems are the responsibility of the
relevant financial institution. Any rights you may have against a financial
institution for such errors, delays or other problems are subject to the terms of
the agreements you have with such financial institution, including any time limits
during which complaints must be made.
13. Proprietary Rights

You acknowledge and agree that PNC and/or our service provider own all rights
in and to the Service. You are permitted to use the Service only as expressly
authorized by this Agreement. You may not copy, reproduce, distribute, or create
derivative works, reverse engineer or reverse compile any of PNC's and/or our
service provider's services or technology.

14. No Unlawful or Prohibited Use

As a condition of using the Service, you warrant to us that you will not use the
Service for any purpose that is unlawful or is not permitted, expressly or
implicitly, by the terms of this Agreement or by any applicable law or regulation.
You further warrant and represent that you will not use the Service in any manner
that could damage, disable, overburden, or impair the Service or interfere with
any other party's use and enjoyment of the Service. You may not obtain or
attempt to obtain any materials or information through any means not
intentionally made available or provided for through the Service. You agree that
these warranties and representations will remain in full force and effect even if
this Agreement terminates for any reason.

15. Service Changes and Discontinuation

We may modify or discontinue the Service or your use of some or all accounts
within the Service, with or without notice except as required by law, without
liability to you, or any other user or any third-party. We may from time to time
make available additional or new features to the Service, including but not limited
to, a higher dollar limit service. You will be approved or declined for any such
additional service at our sole discretion and additional terms and conditions may
apply. We reserve the right, subject to applicable law, to terminate your account
within the Service and your right to use the Service at any time and for any
reason, including without limitation if we, in our sole judgment, believe you have
engaged in conduct or activities that violate any of the Terms or the rights of PNC
and/or our service provider, or if you provide us with false or misleading
information or interfere with other users or the administration of the Service. We
reserve the right to charge a fee for the use of the Service and any additional
services or features that we may introduce. You understand and agree that you
are responsible for paying all applicable fees associated with the use of our
services.

16. Security Procedures

You understand that the financial institution at which an Account is maintained

may contact us to verify the content and authority of transfer instructions and any
changes to those instructions. You understand that, as your agent, we may
provide to such financial institution such information as may be required to verify
the instructions and may constitute a valid security procedure under the rules
governing such Account.

17. Deviating from Security Procedures

You agree to allow us to authorize any financial institution at which you have an
Account to accept funds and transfer instructions in accordance with any
authorization procedures as may be agreed from time to time between you and
 such financial institution, or between us, on your behalf, and such financial
institution, without verifying the instructions under the established security
procedures, regardless of whether such security procedures were agreed by you
directly or by us on your behalf. In addition, you agree that we may authorize
such financial institutions to charge and debit your accounts based solely on
these communications.

18. Account Number Policy

If external transfer instructions identify a bank or beneficiary by name and

account number, the relevant financial institution may execute those instructions
by reference to the number only, even if the number does not correspond to the
name. You understand that such financial institutions may not investigate
discrepancies between names and numbers. In addition, you agree that we have
no responsibility to investigate discrepancies between names and numbers.

19. Joint Account Holder

By using the Service, you confirm that, if any of your Accounts is a joint account,
your joint account holder has consented for you to use your Accounts for the
Service. We will end your use of the Service if any joint account holder notifies us
that (i) they never consented to your use of our service, (ii) the joint account can
no longer be operated on your instructions alone, or (iii) they are withdrawing
consent for you to operate the joint account.

20. Means of Transfer

You authorize us to select any means we deem suitable to provide your transfer
instructions to the applicable financial institution. You agree to be bound by the
rules and regulations that govern the applicable funds transfer systems, such as
automated clearinghouse (ACH) as published by the National Automated
Clearinghouse Association (NACHA). We shall make all reasonable efforts to
ensure that your transfer requests are processed on time; however, we reserve
the right to hold funds beyond the standard period of three (3) business days.

21. Our Liability

If we do not provide a transfer on time, if we cause an incorrect amount to be

removed from an Account or if we cause funds from an Account to be transferred
to any account other than the Account specified in the applicable funds transfer
instruction, we shall be responsible for returning the improperly transferred funds
and/or for directing any misdirected funds to the proper Account. PNC is not
responsible or liable if your financial institution's system fails and we are unable
to complete the transfer. Except as otherwise required by law, PNC shall in no
other event be liable for any losses and damages other than those arising from
gross negligence or willful misconduct on our part or pursuant to PNC's Online
Banking Guarantee.

a. You agree that your transfer instructions constitute authorization for us to

complete the transfer. You represent and warrant to us that you have
enough money in the applicable Accounts to make any transfer you
request that we make on your behalf through the Service. You
understand and agree that we are not liable under any circumstances for
any losses or damages if, through no fault of ours, you do not have
 enough money to make the transfer and the transfer is not completed or
is later reversed or if your financial institution does not permit the transfer
or the transfer would exceed the credit limit on any applicable overdraft
line.

b. You also understand and agree that we are not responsible for any
losses or damages if circumstances beyond our control (such as fire or
flood) prevent us from making a transfer or if the PNC website was not
working properly and you knew about the breakdown when you started
the transfer.

22. Your Right to Cancel a Transfer

One-time transfers that are requested to begin processing on the same or next
available business day may or may not be cancelled, depending upon when the
transfer is requested and whether our service provider has begun processing the
transfer. The status of a transfer may always be verified by clicking the Activity
tab within the Service. If a cancel link is displayed next to the transfer, then that
particular transfer may be cancelled. You may cancel a scheduled transfer any
time before the Process Date of the debit transaction. If the transfer is a recurring
transfer, then you may cancel the entire transfer plan as long as the request is
received before the Process Date of the next recurring transfer. Once a recurring
transfer is cancelled, all future transfers will also be cancelled, and you must
reschedule the recurring transfer if you want transfers to be made in the future.

23. Limitation of Warranty and Liability

YOU UNDERSTAND AND AGREE THAT THE SERVICE IS PROVIDED "AS-IS."

EXCEPT AS OTHERWISE PROVIDED IN THIS AGREEMENT OR AS
REQUIRED BY LAW, WE ASSUME NO RESPONSIBILITY FOR THE
TIMELINESS, DELETION, MIS-DELIVERY OR FAILURE TO STORE ANY
USER COMMUNICATIONS. YOU UNDERSTAND AND EXPRESSLY AGREE
THAT USE OF THE SERVICE IS AT YOUR SOLE RISK, THAT ANY MATERIAL
AND/OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE
USE OF THE SERVICE IS DOWNLOADED OR OBTAINED AT YOUR OWN
DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE
FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGE TO
YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE
DOWNLOAD OR THE OBTAINING OF SUCH MATERIAL AND/OR DATA.
EXCEPT AS EXPRESSLY SET FORTH ON THE PNC WEB SITE OR IN THIS
AGREEMENT, WE DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS
OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF
MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-
INFRINGEMENT OF INTELLECTUAL PROPERTY OR THIRD PARTY RIGHTS,
AND WE MAKE NO WARRANTY OR REPRESENTATION REGARDING THE
RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE, THE
ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH
THE SERVICE, THE ACCURACY OF ANY INFORMATION RETRIEVED BY US
FROM THE ACCOUNTS OR THAT THE SERVICE WILL MEET ANY USER'S
REQUIREMENTS, BE UNINTERRUPTED, TIMELY, SECURE OR ERROR
FREE. EXCEPT AS DESCRIBED IN THE PNC ONLINE BANKING
GUARANTEE, WE WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT,
INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES OF ANY
KIND RESULTING FROM THE USE OF OR THE INABILITY TO USE THE
SERVICE, ANY INACCURACY OF ANY INFORMATION OR AMOUNT
 RETRIEVED BY US FROM THE ACCOUNTS, ANY BREACH OF SECURITY
CAUSED BY A THIRD PARTY, ANY TRANSACTIONS ENTERED INTO BASED
ON THE SERVICE, ANY LOSS OF, UNAUTHORIZED ACCESS TO OR
ALTERATION OF A USER'S TRANSMISSIONS OR DATA OR FOR THE COST
OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES, INCLUDING
BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, USE, DATA OR
OTHER INTANGIBLES, EVEN IF WE HAD BEEN ADVISED OF THE
POSSIBILITY OF SUCH DAMAGES.

24. Indemnification

You agree to indemnify, defend and hold harmless PNC, its service provider, its
affiliates, partners, officers, directors, employees, consultants, service providers
and agents from any and all third-party claims, liability, losses, damages and/or
costs (including, but not limited to, attorneys fees) arising from your use of the
Service, our reliance on the information, instruction, license and/or authorization
provided by you under or pursuant to this Agreement, your violation of the Terms
or your infringement, or infringement by any other user of your Accounts, of any
intellectual property or other right of any person or entity.

25. Miscellaneous

You understand and agree that our service provider is not a bank, a broker-
dealer firm, or any other kind of financial institution. You represent and warrant
that you are who you claim to be; that you are the rightful owner of all Content
and the Accounts linked for the purposes of the Service; and that you are
rightfully authorizing us to make transfers to and from your accounts.

You agree that our rights and remedies arising out of any breach of your
representations and warranties in this Agreement, the limitations on our liability
and our rights to indemnification under this Agreement are continuing and shall
survive the termination of this Agreement, notwithstanding the lack of any
specific reference to such survivability in these provisions. PNC's failure to
enforce the strict performance of any provision of this Agreement will not
constitute a waiver of PNC's right to subsequently enforce such provision or any
other provisions of this Agreement.

J. Alerts

PNC Bank's Alert Service enables you to receive notices from time to time concerning
available balance, certain transaction information and other information relating to your
PNC Bank account(s) which are eligible for the service. You may select the type of alert
you wish to receive and the method of delivery of the alert for one or more of your eligible
accounts. Security Alerts, such as those triggered upon entry of an incorrect password or
security question answer, will automatically be turned on for you to your Primary Email
Address with no option to turn them off. Some account related alerts will be turned on by
default for eligible accounts to your Primary Email Address with the option to be turned
off. By using the Alerts Service, you acknowledge that you are aware of and agree to
abide by the following terms and conditions:

1. Alerts allow you to request and receive electronic mail ("e-mail") or text
messages (also known as/ "short message service" or "SMS") regarding certain
activity in your accounts with PNC Bank that are eligible for the service. We will
send Alerts to you based upon the instructions you provide to us. Changes to
 your instructions must be received and recorded by PNC Bank. You hereby
acknowledge and accept that Alerts are sent to you without being encrypted and
may include your name and information pertaining to your PNC Bank account(s).
You authorize PNC Bank to deliver information to the Eligible Mobile Number or
e-mail address you provide to us, even though a person not an owner on your
account may access the message (such as someone who can open your e-
mails, answer your telephone, or access your mobile device). If the phone
number you provided to us is on either the federal or a state's Do Not Call List,
you still authorize PNC to deliver Alerts to such number.

2. You may select to receive alerts through an e-mail account that is accessed via a
personal computer connection or to an Eligible Mobile Number. PNC Bank's
Alerts may be affected by the terms and conditions of your agreement(s) with
your wireless carrier and/or internet service provider. The identification of an
Eligible Mobile Number for use with Alerts does not constitute a
recommendation, endorsement, or any representation or warranty of any kind by
PNC regarding the performance or operation of such number or device
associated with the number. The selection of an Eligible Mobile Number is your
sole responsibility and all issues relating to the operation, performance and costs
associated with such number are between you and your wireless carrier. This
includes instances where your wireless carrier may block traffic from PNC and
other short codes to your Eligible Mobile Number. PNC does not currently charge
a fee for using Alerts. However, third party message and data rates may apply.
These include fees your wireless carrier or internet service provider may charge
you for data usage and text messaging services. Check with your wireless carrier
or internet service provider for details regarding your specific internet or wireless
plan and any data usage or text messaging charges that may apply.

3. You acknowledge and agree that your receipt of any Alerts may be delayed or
prevented by factor(s) affecting your communications service provider(s) and
other factors outside our control. We neither guarantee the delivery or the
accuracy of the contents of Alerts. You agree to not hold liable PNC Bank, its
directors, officers, employees and agents for losses or damages, including
attorneys' fees, that may arise, directly or indirectly, in whole or in part, from:

a. a non-delivery, delayed delivery, or the misdirected delivery of Alerts;

b. inaccurate or incomplete content in Alerts; or

c. your reliance on or use of the information provided in an Alert for any

purpose.

PNC Bank provides Alerts as a convenience to you for information purposes

only. Alerts do not constitute a bank record for the account to which it pertains.
PNC Bank reserves the right to terminate Alerts at any time without prior notice
to you. PNC Bank also reserves the right to begin charging a fee for the service
after providing to you notice of the fee. Nothing contained herein shall amend,
supersede, or nullify anything contained in any other agreement you have made
with PNC Bank. We may add new alerts from time to time or eliminate existing
alerts. If you have opted to receive an alert that is to be eliminated, we will notify
you of the cancellation of an alert or other discontinuance of service. You agree
that we may provide all notifications concerning changes to the service by
electronic means, which may include posting any changes on the Online Banking
welcome page.
K. Account Delegation (Business Customers Only)

Account Delegation allows Business Customers to grant online account access to other
individuals ("Sub Users"). The Business Customer has sole discretion to authorize Sub
Users to have Internet access to all or only part of the Online Banking Service that the
Business Customer can access (Note that Sub Users can only access via the Internet,
and not through Personal Financial Software.)

If you are a Bank customer who has authorized Sub User access, you understand and
agree that you are solely responsible for the delegation, review, modification, and
revocation of authority to any Sub User and you shall be liable for all actions of any Sub
User.

You hereby authorize and direct the Bank to provide to your Sub Users the financial
information about you contained in the account information your Sub User(s) will be
authorized by you to access.

1. Creation of Sub Users

In accordance with the terms of this Agreement, as a Bank customer, you may
authorize and direct the Bank as follows:

b. to permit access to your account information by one or more Sub Users

designated by you;

c. as to which of your accounts each such Sub User may access; and,

d. with respect to any restrictions on the degree of access for such Sub
User in accordance with parameters which may be established by the
Bank from time to time.

2. Sub User Log-In IDs and Passwords

If you are a Bank customer who has authorized access (a Super User) to another
user (a Sub User), you will be responsible for assigning Log-in IDs and
Passwords to each Sub User. You authorize us to follow any instructions entered
through Online Banking using such Log-in IDs and Passwords, including
replacement passwords.

You agree to distribute all User IDs and Passwords to any Sub User(s) and
assure the confidentiality of all User IDs and Passwords. Each Sub User will be
required to change his/her Password upon the first attempt to access the
authorized accounts.

You agree that Sub Users will not give their Log-in IDs or Passwords, or make
them available, to any other person. You are solely responsible for use and
control of passwords issued to Sub Users. Because Log-in IDs and Passwords
can be used to access funds in any of your Accounts accessible via Online
Banking and to access information about any of your Accounts, subject to
limitations set by the Super User, you are responsible for the Super User and the
Sub Users treating their Log-in IDs and Passwords with the same degree of care
 and secrecy that you use to protect other sensitive financial data, but not less
than reasonable care. You acknowledge and agree that PNC is not responsible
for transactions performed by unauthorized individuals using your or your Sub
Users valid Log-in IDs and Passwords.

Online Banking access will be suspended in the event a Password is entered

incorrectly on three (3) consecutive access attempts. If this happens to the Super
User, please contact us at 1-877-BUS-BNKG. If this happens to a Sub User, he
or she will need to contact the Super User who can re-enable access. Note that
PNC cannot reset access for Sub Users.

The access of any Sub User will be terminated (i) in its entirety, as a result of the
failure of the Sub User to consent to the then current version of this Agreement
or an Information Provider Agreement; or (ii) with respect to the applicable
accounts, (x) as a result of the failure of the authorizing Bank customer to
consent to the then current version of this Agreement or an Information Provider
Agreement, or (y) the Bank customer revoking or limiting the access of the Sub
User. We assume no responsibility to discover, audit or report to you any
possible breach of security by your agents or Sub Users, or unauthorized
disclosure or use of your Sub User(s) User IDs or Passwords. In the event that
you suspect any compromises of security (whether or not involving your
employees, agents, or Sub Users), you shall promptly notify us by calling us at 1-
877-BUS-BNKG.

L. PNC Bank Credit Cards

PNC Bank, National Association is the issuer of PNC Bank credit cards. Within PNC
Online Banking, PNC credit card customers can: view account and transaction details,
make a payment on a credit card, transfer funds from a credit card to a PNC checking,
savings or money market account, download transaction data and send and receive
secure e-mail. Please see the User Guide for specific details.

Transfers from your PNC credit card account will be processed as a cash advance and
are subject to the terms of your credit card agreement (including any cash advance fees
that apply). For information on specific credit card fees that may apply to this transaction,
please refer to your credit card agreement or contact customer service at 1-800-282-
7541 (personal accounts) or 1-800-474-2101 (business accounts).

The general terms and conditions of this Agreement apply to your online activities
concerning your credit card account(s), except where this Agreement conflicts with the
terms and conditions of your credit card agreement, in which case the terms and
conditions of your credit card agreement apply. Further information concerning applicable
PNC Bank credit cards can be found in the Help section in Online Banking.

M. PNC Private BankSM and PNC Investments Customers

1. Introduction

As used in this section, the terms "Bank," "we," "us" and "our" refer to either PNC
Bank, National Association or PNC Delaware Trust Company or PNC Ohio Trust
Company, depending on the entity with which you currently have an agreement
for investment management, other fiduciary or private banking or custody
relationship. Collectively, these entities are referred to in this section as the
"Banks." If you have a relationship with more than one Bank, by accepting this
 Agreement you will be deemed to have entered into the Agreement separately
with each Bank with which you have an investment management, or another
fiduciary or private banking or custody relationship even though you will be
issued only one User ID and Password. The Site, including the pages known as
"PNC Private Bank Online,” “PNC Private Bank HawthornSM Online” and "PNC
Total Insight®", is operated by the Banks as a means for each of the Banks to
provide certain information and services to its customers. As used in this
agreement, the term "Site" shall include PNC Private Bank Online, PNC Private
Bank HawthornSM Online and PNC Total Insight®.

2. Site Features

Depending upon the nature of your relationship with the Bank, the Site may allow
you to have access to certain information regarding a variety of financial related
topics. This information is provided by the Bank or by other parties selected by
the Bank, including other PNC companies or unaffiliated third-party entities. You
may be asked to agree to one or more Information Provider Agreements in order
to access the Site, to continue to access the Site, or to use certain features of the
Site or the PNC Private Bank Online, PNC Private Bank HawthornSM Online and
PNC Total Insight® pages to access non-PNC accounts.

The Site is intended to allow you to view your account data with the Bank and
account data with certain other PNC companies and, if you use PNC Private
Bank Online, PNC Private Bank HawthornSM Online and PNC Total Insight®,
information that you input yourself or information obtained from external financial
service providers (together, "non-PNC Account Information") or, if you are an
Interested Party (as defined in Section M. V.), account data to which you have
been granted access by a Bank customer. This includes all PNC accounts of
which you individually are the sole or joint owner, as well as other PNC accounts
("Non-Ownership Accounts") in which you have an interest (for example as a
fiduciary, such as a trustee or executor, or beneficiary of a trust) or for which you
have been authorized to see information.

Based upon your PNC Online User ID, PNC Private Bank Online, PNC Private
Bank HawthornSM Online and PNC Total Insight® will include information
regarding one or more Non-Ownership Accounts. This means that the
information available to you on the various PNC Wealth Insight and PNC Total
Insight® tabs reflects both assets of which you are a sole or joint owner and the
assets of those Non-Ownership Accounts, where you may not directly own the
trust or other account assets and may not be entitled to receive the income from
the trust or other account. PNC Private Bank Online, PNC Private Bank
HawthornSM Online and PNC Total Insight® helps to identify the Non-Ownership
Accounts included in PNC Wealth Insight and PNC Total Insight ® by using the
following relationship icons: Future enhancements to PNC Private Bank Online,
PNC Private Bank HawthornSM Online and PNC Total Insight® capabilities may
separately identify Non-Ownership Account income or assets in order to refine
the information we share with you.

By accessing and using the Site, you represent on a continuing basis that you
are authorized to have view access to any account that you access, but that you
may not have ownership of or ownership rights to the assets or income of Non-
Ownership Accounts. All account data is provided as a convenience and for your
information, but it is not the official record of an account or its activity. The
account statement or statements shall remain the official record. This Site is
updated regularly but is subject to adjustment and correction and therefore
 should not be relied upon for taking any action or forbearing from taking any
action. All account information should be confirmed with an appropriate PNC
employee prior to taking investment or other action.

You agree that personnel of the Bank and personnel of other PNC companies,
including personnel who are not members of your PNC team, may access for
reasonable business purposes any account information or electronic mail
communication sent by you to the Bank through secure email in PNC Bank's
Online Banking or Other E-Mails

YOU AGREE NOT TO TRANSMIT SECURITIES TRADE ORDERS OR OTHER

INSTRUCTIONS WITH RESPECT TO ANY DEPOSIT, BANKING, LOAN,
SECURITY OR OTHER ACCOUNTS THROUGH E-MAIL. YOU
ACKNOWLEDGE THAT THE BANK IS NOT REQUIRED TO ACT ON
SECURITIES TRADE ORDERS OR OTHER INSTRUCTIONS WITH RESPECT
TO ANY OF YOUR DEPOSIT, BANKING, LOAN, SECURITY OR OTHER
ACCOUNTS TRANSMITTED THROUGH ONLINE BANKING SECURE EMAIL
OR OTHER E-MAILS.

3. Terms of Use

The Bank and its affiliates will provide certain confidential data and information
("Confidential Client Information") by means of the Site. The Bank and its
affiliates will not be liable for any losses in contract, tort, warranty, or otherwise,
incurred in connection with (i) the failure of electronic transmission of Confidential
Client Information to or from the Site, (ii) the implementation of any security
procedures established for the purpose of limiting access to, and protecting,
Confidential Client Information, (iii) any decision made, action, or inaction taken
by any party in reliance upon any Contents of the Site or any electronic
transmission of Confidential Client Information or security procedures, (iv) any
delays, inaccuracies, errors in, or omissions of any Contents of the Site,
Confidential Client Information or security procedures, (v) access by an
Interested Party to the Confidential Client Information of the Bank customer who
authorized the Interested Party's access, or (vi) your access or the access of any
Interested Party to the site through the use of any mobile device.

4. Risks and Limitations

We may allow you to have access to certain financial market information, news,
analysis, reports and research and non-PNC Account Information ("Information").
We do not make any guarantees or warranties, express or implied, as to the
accuracy, timeliness or completeness of any Information. We and our officers,
directors, employees and agents shall not be liable to you for any investment
losses related to or resulting from the use of any Information. Certain Information
is prepared or provided by Information Providers, and other Information is
provided by the Bank, other PNC companies or inputted by you or obtained from
your external financial services provider. Neither the Bank, any other PNC
company nor any Information Provider assures for you, or any particular investor,
the suitability or potential value of any particular investment on which you may
receive Information through the Site. The Bank will treat as unsolicited any
security order that you ask the Bank to place after accessing Information on or
through the Site. To ensure compliance with Internal Revenue Service Circular
230, we inform you that any U.S. Federal Tax advice that may be contained in or
produced by tools on this Site is not intended or written to be used, and cannot
be used by you or any other person, for the purpose of (1) avoiding penalties
under the Internal Revenue Code or (2) promoting marketing or recommending
to any person any tax-related matter addressed herein.

The Site has been created in the United States for the exclusive use of persons
currently residing in the United States. Neither the Information nor the
recommendations contained herein is an offer to buy or sell any security or
financial instrument. No services or securities will be offered or sold in any
jurisdiction in which such offer or solicitation, purchase or sale would be contrary
to applicable local law or regulations. Prior to investing in any security, which
may be recommended by us, please obtain and read a copy of the current
prospectus or other disclosure document, which contains more information with
respect to that security. The Information contained herein shall be for your use
and may not be reproduced or distributed in any way without the express written
permission of the Bank. The Bank and other PNC companies, do not provide
legal, tax or accounting advice and none of the Contents of the Site should be
relied upon in that regard.

Because past performance is no guarantee of future results and reliance on

current and historical data must involve significant limitations, you must
understand that the Site is only a tool to be used in financial planning and not as
a substitute for informed judgment. We cannot guarantee the future performance
of your investments, promise any specific level of performance, or promise that
investment or financial recommendations, if any, offered by the Site will be
successful. The investment and financial recommendations, if any, offered by the
Site are subject to various market, currency, economic, political, and business
risks and will not necessarily be profitable or effective.

Depending upon the nature of your relationship with the Bank, you understand
that the Bank may make recommendations or provide advice even though it or its
affiliates may have a potential conflict of interest or duty in a transaction. This
includes, without limitation, the fact that the Bank or any of its affiliates may (i)
provide brokerage and/or investment advisory services to other clients; (ii) act as
financial advisor or lender to an issuer of securities; (iii) act as an underwriter,
broker, dealer or placement agent with respect to securities; (iv) recommend an
investment in mutual funds or unit trust funds or other types of pooled investment
funds and commingled investment vehicles established, sponsored, advised, or
managed by or otherwise affiliated with, or which pays fees to the Bank or any of
its affiliates (and the Bank may be compensated separately for such functions);
(v) act as a counterparty in currency exchange, swap, option and other derivative
transactions; (vi) act in the same transaction as agent for more than one client;
(vii) have a material interest in an issue of securities; (viii) earn fees and profits
from any of the above-listed activities in addition to the fees charged to you for
services under any Other Bank Agreement; (ix) issue time deposits or certificates
of deposit in which you invest; and (x) effect transactions between your account
and any other account for which the Bank and/or its affiliates act as broker-
dealer. Securities recommended and followed by the Bank, or other PNC
companies, may be held from time to time in accounts managed by the Bank, or
other PNC companies, and in their portfolios. Directors, officers or employees of
the Bank and other PNC companies may have positions in securities described
in the Site or be directors of the issuers described in the Site.

Depending upon the nature of your relationship with the Bank, you may be
permitted to request registration via the telephone or the U.S. mail. When you
register via telephone or U.S. mail, the Bank may assign to you a randomly
 generated temporary password and send it to you via U.S. mail. During your
initial visit to the Site, you will be required to reset this temporary password. In
order to access the Site during subsequent visits, you will be required to enter
your User ID and your self-selected password.

If you have eligible accounts with a Bank (and may access those accounts
through "Online Banking"), or brokerage accounts with PNC Investments LLC
(accessed through "Online Banking"), you may access those accounts from the
Online Banking Web site.

You agree to take full responsibility for the consequences of any access,
including responsibility for all actions taken, including access to your account
information and messages in Online Banking secure email, if available to you,
through and under your User ID and Password and by any Interested Party, or by
any party to whom you have provided your User ID and Password.

You must notify us immediately by calling PNC Wealth Insight Support at 1-877-
491-0775 or PNC Total Insight Customer Care at 1-855-762-8448 if you become
aware of (i) the loss or compromise of your User ID or Password or the User ID
or Password of any Interested Party authorized by you, (ii) any unauthorized use
of your User ID or Password or the User ID or Password of any Interested Party
authorized by you, (iii) any inaccuracies in your personal or account information
or (iv) any other activity in regard to the Site or your accounts that you consider
to be irregular or suspicious.

5. Interested Party Access

In accordance with the terms of this Agreement, as a Bank customer, you may
authorize and direct the Bank as follows:

▪ to permit access to your account information by one or more Parties

designated by you ("Interested Parties");

▪ as to which of your accounts each such Interested Party may access;

and,

▪ with respect to any restrictions on the degree of access for such

Interested Party in accordance with parameters which may be
established by the Bank from time to time.

If you are a Bank customer who has authorized Interested Party access, you
understand and agree that you are solely responsible for the delegation, review,
modification, and revocation of authority to any Interested Party and you shall be
liable for all actions of any Interested Party.

If you are a Bank customer who has authorized Interested Party access, you will
be given a User ID and system-generated Password that will permit the
authorized Interested Party to gain access on the Site to information about your
specified accounts. You agree to distribute all User IDs and system-selected
Passwords to any Interested Party(ies) and assure the confidentiality of all User
IDs and system-selected Passwords. Each Interested Party will be required to
change his/her Password upon the first attempt to access the authorized
accounts.
 The access of any Interested Party will be terminated (i) in its entirety, as a result
of the failure of the Interested Party to consent to the then current version of this
Agreement or an Information Provider Agreement; or (ii) with respect to the
applicable accounts, (x) as a result of the failure of the authorizing Bank
customer to consent to the then current version of this Agreement or an
Information Provider Agreement, or (y) the Bank customer revoking or limiting the
access of the Interested Party. We assume no responsibility to discover, audit or
report to you any possible breach of security by your agents or Interested
Parties, or unauthorized disclosure or use of your Interested Party(ies) User IDs
or Passwords. In the event that you suspect any compromises of security
(whether or not involving your employees, agents, or Interested Parties), you
shall promptly notify us by calling us at PNC Private Bank Client Support at 1-
877-491-0775 or PNC Total Insight Customer Care at 1-800-622-7086

You hereby authorize and direct the Bank to provide to your Interested Party(ies)
the personal financial information about you contained in the account information
and any other information on the site your Interested Party(ies) will be authorized
by you to access.

6. Securities Are Not Insured

The securities and financial instruments and products described in the Site (with
the exception of insured bank deposits), including mutual funds (whether or not
managed by the Bank or any of its affiliates), are not deposits in, obligations of or
guaranteed by any bank, nor are they insured by the FDIC. All such securities,
instruments and products are subject to investment risk, including the possible
loss of principal.

N. PNC Mobile Banking

You are consenting to PNC using an automated dialing system to call or text you, or to
send automated or prerecorded messages to you, in order to service, and collect on, any
personal account(s) and business account(s) (for which you are an authorized signer or
designated contact person) with PNC and/or its affiliates, but not to market to you. For
any type of phone call with PNC, you consent that the call may be monitored or recorded
for quality control and training purposes. You may opt out at any time as described in
Section 7. You must be the named wireless provider account holder or have authorization
from the account holder for the provided mobile number. You are not required to sign the
agreement as a condition of purchasing any property, goods or services.

1. Introduction

This Paragraph provides additional information concerning the use of PNC's

Mobile Banking Services. If there is a conflict between this section and other
portions of the Online Banking Services Agreement, this section will control. PNC
is offering its Mobile Banking service ("Service") to all of its retail and small
business customers having access to PNC Online Banking and using compatible
data-enabled equipment such as a cellular phone or other recognized mobile
device ("Eligible Mobile Number"). This Service, and the Consent you are giving
by enrolling, does not permit marketing communications, and does not apply to
any Corporate and Institutional Banking account(s) with PNC and/or its affiliates.
When a customer enrolls in PNC Mobile Banking, they will be able to obtain
account information and make various selected transactions using an Eligible
Mobile Number. PNC Mobile Banking consists of six separate services, one or
more which can be selected by you:

a. Downloadable Application: an application that gets downloaded

to your cell phone, or mobile device. This application, provided
by a third-party service provider, runs on your mobile device and
allows you to sign on to the Service using a mobile device and to
access and interact with your eligible PNC Bank accounts.
Currently, this service will allow you to view account balances,
pay bills to pre-established billers and make certain internal
transfers of funds.

b. Text Message Alerts: enables you to have text message (also

known as "short message service" or "SMS") versions of
selected PNC Alerts delivered to your Eligible Mobile Number as
a text message concerning your eligible accounts from PNCBNK
(762265) or 468472 or 35515.

c. Fraud Alerts: provides the ability for you to receive a text

message (SMS) alerting you to potential fraud related to a
transaction or account origination. The text will come from
76205.

▪ Text messages may have a call to action and

instructions on how to address a specific alert.
▪ By enrolling in Online Banking you consent to receive
these fraud alerts. You may request to stop these fraud
text alerts by texting STOP to 76205.

d. Text Message Banking: provides the ability to send certain text

message commands to PNCBNK (762265) to obtain account
balances or view account activity history concerning your eligible
accounts, delivered to your Eligible Mobile Number as a text
message from PNCBNK (762265).

e. One-Time Passcode: provides the ability for you to receive a call

or text message with a 6-digit one-time passcode and enter it to
help verify your identity for the following reasons:

i. Additional Sign On Security: every time you sign on to

Online Banking and the PNC Mobile app you will receive
a one-time passcode. The text will come from
76200 or call will come from 412-214-8544.

ii. Signing In to Online Banking and the PNC Mobile app

from a new or unrecognized device. The text will come
from
76200 or call will come from 412-214-8544.

iii. Resetting your password through pnc.com or

onlinebanking.pnc.com. The text will come from 32858
or call will come
from 1-800-762-2035.
 iv. Viewing your account and routing number within Online
Banking or the PNC Mobile app. The text will come from
32858.

v. Additional Security for Tokenized Cards: when you add a

card on file to your ecommerce accounts or add a card
to a mobile wallet, you may receive the option of
verifying your identity through a one-time-passcode. The
text will come from 762729.

e. Use of the Mobile Deposit feature requires a supported camera-

equipped device, and you must download a PNC mobile banking
app.

3. Eligible Mobile Numbers

An Eligible Mobile Number is a valid U.S. mobile phone number associated with
a device that has service provided by a Mobile Network Operator. PNC uses a
third-party ("Licensor") to verify that a number is an Eligible Mobile Number. For
security reasons, Voice-Over-IP (VOIP) phone numbers are not considered
Eligible Mobile Numbers. PNC also uses a Licensor to monitor enrolled mobile
numbers for changes initiated by you that would result in altering the mobile
phone number eligibility. The identification of an Eligible Mobile Number for use
with the Service does not constitute a recommendation, endorsement, or any
representation or warranty of any kind by PNC regarding the performance or
operation of such number or device associated with the number. The selection of
an Eligible Mobile Number is your sole responsibility and all issues relating to the
operation, performance and costs associated with such number are between you
and your wireless carrier. This includes instances where your wireless carrier
may block traffic from PNC and other short codes to your Eligible Mobile
Number.

3. Registration

You agree to provide true, accurate, current, and complete information as

requested in registering for the service. You agree to comply with all applicable
laws, rules, and regulations in connection with your use of the service. You agree
not to use any personally identifiable information when providing shortcuts or
creating nicknames for your eligible accounts.

4. Software Usage

You agree that your use of the PNC Mobile Banking service and all related
software ("Software") provided to you by PNC Bank (PNC), will be limited solely
to access and use of the Service and agree not to decompile or reverse engineer
or otherwise alter the Software in any way. PNC uses a third-party ("Licensor")
that is not affiliated with PNC to provide certain licensed Software to support the
PNC Mobile Banking service.

5. Fees

PNC does not currently charge a fee for using the PNC Mobile Banking service.
However, third party message and data rates may apply. These include fees your
 wireless carrier may charge you for data usage and text messaging services.
Check with your wireless carrier for details regarding your specific wireless plan
and any data usage or text messaging charges that may apply.

6. Lost Phone Policy; Limited Liability; Interruption of Service

In the event your enrolled mobile or cellular device is lost or stolen, you agree to
update your enrollment information and make the appropriate changes to disable
the use of such devices. You understand that there are risks associated with
using a mobile device, and that in the event of theft or loss, your confidential
information could be compromised.

PNC provides its PNC Mobile Banking service "AS IS" and "AS AVAILABLE" and
without warranty or guarantee. You acknowledge and agree that from time to
time, the service may be delayed, interrupted or disrupted periodically for an
indeterminate amount of time due to circumstances beyond PNC's reasonable
control including, but not limited to, any inaccuracy, interruption or delay in
transmission by the telecommunications carrier used in conjunction with the
Eligible Mobile Number you use to access the service, or any interruption,
disruption or failure in the provision of the service, whether caused by strikes,
power failures, equipment malfunctions or other reasons. PNC, its affiliates or a
Licensor shall not be liable for any claim arising from or related to the PNC
Mobile Banking service caused by or arising out of any such delay, interruption,
disruption or similar failure. In no event will PNC or any affiliate, third party
service providers or Licensor be liable for indirect, consequential, or special
damages, including lost profits, arising from your use of the PNC Mobile Banking
service, even if such damages were reasonably foreseeable and notice was
given regarding them. These limitations will apply to all causes of action, whether
arising from breach of contract, tort (including negligence) or any other legal
theory.

7. Opting Out

For help with PNC Text Message Banking and Alerts, text "HELP" to 762265 or
for Visa alerts, 468472. You may cancel PNC Text Message Banking & Text
Alerts at any time by texting "STOP" to 762265, or for Visa alerts, 468472. By
sending STOP, you agree to one additional confirmation message stating that
you have opted out and will no longer receive text messages. To manage alerts
via Online Banking, visit the Alerts tab to edit your Alerts Profile and Delivery
Options.

8. Other

Mobile Subscriber Information. PNC may use information on file with your
wireless operator to verify your identity and to protect against or prevent actual or
potential fraud or unauthorized use of the PNC Mobile Banking Service
(“Service”).

You authorize your wireless carrier to use or disclose information about your
account and your wireless device, if available, to PNC or its service provider for
the duration of your business relationship, solely to help them identify you or your
wireless device and to prevent fraud. See our Privacy Policy for how we treat
your data.
 You authorize your wireless carrier to disclose information about your account,
such as subscriber status, payment method and device details, if available, to
support identity verification, fraud avoidance and other uses in support
of transactions for the duration of your business relationship with us. This
information may also be shared with other companies to support your
transactions with us and for identity verification and fraud avoidance purposes.

Device Data. We may share certain personal information and device-identifying

technical data about you and your devices with third party service providers, who
will compare and add device data and fraud data from and about you to a
database of similar device and fraud information in order to provide fraud
management and prevention services, which include but are not limited to
identifying and blocking access to the applicable service or Web site by devices
associated with fraudulent or abusive activity. Such information may be used by
us and our third-party service providers to provide similar fraud management and
prevention services for services or Web sites not provided by us. We will not
share with service providers any information that personally identifies the user of
the applicable device

Please refer to other sections in this Online Banking Services Agreement for
important information and terms and conditions concerning the use of the Mobile
Banking service. Such other sections include, but are not limited to, Consumer's
Liability for Unauthorized Transfers; Terms and Conditions for Transfer Funds
Service; and Online Bill Pay Service. Further, please refer to the PNC Mobile
Banking Frequently Asked Questions (FAQs) and Help resource sections of
Online Banking and www.pnc.com for more information and details concerning
the Service or:
For customer service call 1-888-PNC-BANK (1-888-762-2265)

This Section O. applies to customers who have an Eligible Card that has been added to a Paze SM digital
wallet.

1. Description of Paze

The Paze digital wallet service (“Paze”) is a digital wallet service offered by Early
Warning Services, LLC (“Early Warning”) that allows you to share tokenized
payment credentials and related personal information for a selected Eligible Card
with participating businesses to make purchases online. “Eligible Card” means a
PNC debit and/or credit card, and the underlying account, that we have
determined is eligible to be added to Paze.

Paze stores your Eligible Card credentials and related personal information in a
digital wallet created for you. When your Eligible Card is added to Paze, your
actual card number is tokenized and replaced with a unique digital card number.
When you use Paze and select an Eligible Card from your Paze wallet, you
choose to share your tokenized payment credentials and related personal
information with participating businesses to make purchases online. Paze is only
available online at participating businesses. Paze may not be available at all
places where your Eligible Card is accepted.
2. Eligibility to Use Paze

PNC, not Early Warning, will determine which of your PNC credit and/or debit
cards are Eligible Cards. We reserve the right to add additional Eligible Cards to
Paze in the future, and we will notify you when an Eligible Card is added to Paze.
When your Eligible Card credentials and related personal information change, we
may automatically provide updated information to Paze, Early Warning, and the
applicable card network.

Certain eligibility criteria to use Paze apply. When you access or use Paze, you
represent that: (a) you are a U.S. resident and (b) you are at least 18 years of age.
Additionally, you must have enrolled in and have access to Online Banking and
Mobile Banking, each Eligible Card must be in good standing, and you must not
otherwise be restricted from using Paze based on any limitations imposed by us,
Early Warning, the participating business, and/or any other financial institution or
other third party associated with Paze.

PNC, in its sole discretion, has the right to modify or terminate the eligibility criteria
to use Eligible Cards with Paze.

3. Eligible Card Agreements

The terms and conditions applicable to your Eligible Card (“Eligible Card
Agreement”) do not change as a result of your Eligible Card being added to, or
your using your Eligible Card through Paze and are applicable to your use of
your Eligible Card through Paze. Notwithstanding any other provision of this
Section O., in the event of a conflict between this Section O. and the terms and
conditions of the Eligible Card Agreement, the Eligible Card Agreement will
control. Any applicable interest, fees, and other charges that apply to your
Eligible Card will also apply when you use your Eligible Card through Paze.

4. Activating Paze; Your Consent to Share Information

Before you can use Paze, you must first activate Paze through PNC’s or another
participating bank’s mobile app or online banking website, or through the
checkout experience at a participating business.

After activation, by selecting and confirming an Eligible Card through Paze to

process a transaction with a participating business, you are authorizing Early
Warning to share your information with the participating business, such as your
tokenized payment credentials, address, and other Eligible Card information or
personal information needed to provide the Paze digital wallet service (“Eligible Card
Information”). Paze will transmit the Eligible Card Information to the participating
business or a third party the participating business engages, to enable processing of
the transaction or to set up an online account with the participating business. You
agree that the participating business or other applicable third party can transmit
information about the transaction to the applicable card network for your Eligible
Card and that your transaction will be completed using the Eligible Card you have
selected. You understand that once you authorize the payment with the participating
business, Paze is not involved in processing the transactions. The transactions will
be reflected on your account for the Eligible Card you selected to make the payment.
 You agree that we may collect, transmit, store, and use certain information about you
and your use of your Eligible Card(s) through Paze. PNC will use, share, and protect
your personal information in accordance with the PNC Privacy Policy, which explains
how we collect and protect your personal information and how and why in certain
cases we may share such information. Please review the disclosure found at
www.pnc.com/privacy. You acknowledge that other third parties, such as Early
Warning, will have access to certain details of the transactions you make using Paze.
You acknowledge that PNC does not have control over the privacy and security of
the information that you provide to such third party and that any information you
disclose is subject to that third party's privacy policy and not the PNC Privacy Policy.

By activating and using Paze, you are also authorizing us, and Early Warning, to
send you email alerts and text message alerts concerning your Paze transactions.

5. Use of an Eligible Card at a Participating Business

You may be asked to confirm the authorized use of the Eligible Card when you
access Paze by providing a one-time passcode that we or Early Warning send to
you as an Alert, or by some other means as we may select from time to time.

All purchases made using your Eligible Card through Paze, including the delivery of
such goods and services, returns, and warranties, are solely between you and the
applicable participating business. You acknowledge that we do not endorse or make
any warrants to you with respect to any participating businesses that accept Paze,
and, unless otherwise required by law, we are not responsible for or liable for any
loss or damage as a result of any interaction between you and a participating
business. It is your responsibility to provide to Paze and/or the participating
business your accurate shipping address.
Participating businesses and other third parties may present you certain discounts,
rebates, or other benefits via Paze. You acknowledge and agree that we do not
endorse or warrant any of these offers, and we are not responsible for or liable for
any loss or damage as a result of your acceptance or use of an offer.

6. Removing Eligible Cards; Opting out of Paze

You may remove an Eligible Card from Paze by visiting the Cards section of the
PNC Mobile App or by contacting us at 1-888-762-2265. If you remove an Eligible
Card from Paze, it will no longer appear in your Paze wallet and cannot be used to
conduct transactions with Paze unless you subsequently add the Eligible Card to
Paze.

Alternatively, you may, at your option, deactivate Paze entirely by opting out at
mywallet.paze.com. If you deactivate Paze, you will no longer be able to use Paze
at participating businesses unless and until you reactivate Paze.

7. Fees

We do not currently impose a fee for using Paze. However, transactions made
through Paze are subject to the applicable Eligible Account Agreement, which
applies with the same effect and coverage, including any fees or other charges.

Your wireless carrier message and data rates may apply.

8. Suspension; Cancellation
 PNC Bank or Early Warning may discontinue offering Paze at any time. PNC Bank
or Early Warning may suspend or cancel your use of Paze at any time without
notice and for any or no reason. You agree that neither PNC Bank nor Early
Warning will be liable to you or any third party for any blocking, suspension,
cancellation, or termination of your use of Paze or of one or more Eligible Cards
through Paze.

9. PNC Bank and Paze

Paze is a third-party service operated by Early Warning. PNC is only responsible for
providing information to Early Warning in order to allow you to use your Eligible
Card(s) through Paze. PNC is not responsible for any failure of or inability to use
Paze for any transaction.
Early Warning, each participating business, and other third parties may have their
own terms and conditions and other policies, such as privacy policies, and you are
subject to those agreements when you agree to utilize their products and/or
services. Unless otherwise required by law, PNC Bank is not responsible for and
does not provide support or assistance with any products or services offered by any
participating business.

Emails from PNC are intended to inform you of our offers, promotions, and updates. PNC will never
ask you for confidential account information to be sent by unsecured email. If you need to
communicate sensitive customer information to PNC, you should go to the Customer Service page of
pnc.com for options on how to contact us.

If you have concerns about the authenticity of email, text, or phone messages, please visit
pnc.com/security for options on how to contact us.

A. Consumers:

Call us at 1-888-PNC-BANK

B. Business Customers:

Call us at 1-877-287-2654

C. All customers:

For TT access, contact us at 1-800-531-1648; or, write to us at:

1. General Inquiries:

PNC Bank, National Association

Online Banking Services
P7-PFSC-04-J
P.O. Box 600
Pittsburgh, PA 15230-9430

PNC Bank, National Association

TT: 1-800-531-1648
Equal Housing Lender
 www.pnc.com
1-888-PNC-BANK

2. Payment Disputes:

PNC Bank, National Association

Reg E Dispute Services
P7-PFSC-04-D
500 First Avenue
Pittsburgh, PA 15219-3129

PazeSM and the PazeSM related marks are wholly owned by Early Warning
Services, LLC and are used herein under license.

Quicken® and QuickBooks® are registered trademarks of Intuit.

PNC is a registered mark of The PNC Financial Services Group, Inc.© 2021 All
rights reserved.

Bank deposit products and services provided by PNC Bank, N.A. Member FDIC.

PNC Bank, National Association

TT: 1-800-531-1648
Equal Housing Lender
www.pnc.com
1-888-PNC-BANK

Revision Date: September 7, 2023