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PNC POINTS VISA / PNC POINTS VISA SIGNATURE

IMPORTANT INFORMATION ABOUT RATES AND FEES

Interest Rates and Interest Charges

Annual Percentage Rate
(APR) for Purchases 0% introductory APR for the first 12 billing cycles following account
opening.
After that, your APR will be 12.99% 24.99%
to , based on
your creditworthiness. This APR will vary with the market based on
the prime rate.
APR for Balance Transfers 0% introductory APR for the first 12 billing cycles following account
opening when the balance is transferred within the first 90 days
following account opening.
After that, your APR will be 12.99% to 24.99%, based on your
creditworthiness. This APR will vary with the market based on the
prime rate.
APR for Cash Advances 24.99% This APR will vary with the market based on the prime rate.
Penalty APR and When it 28.99% This APR will vary with the market based on the prime rate.
Applies
This APR may be applied to your account if you make a late
payment.

How Long Will the Penalty APR Apply?: If your APRs are
increased for this reason, the Penalty APR will apply until you make
six consecutive minimum payments when due.
How to Avoid Paying Your due date is at least 21 days after the close of each billing
Interest on Purchases cycle. We will not charge you any interest on purchases if you
pay your entire balance by the due date each month.

Minimum Interest Charge If you are charged interest, the charge will be no less than $1.50.

For Credit Card Tips from the To learn more about factors to consider when applying for or using
Consumer Financial Protection a credit card, visit the website of the Consumer Financial Protection
Bureau Bureau at
http://www.consumerfinance.gov/learnmore.

Fees

Annual Fee None

Transaction Fees
● Balance Transfer Either $5 or 3% of the amount of each balance transfer, whichever
is greater, for the first 90 days following account opening. After that,
either $5 or 4% of the amount of each balance transfer, whichever is
greater

● Cash Advance Either $10 or 5% of the amount of each cash advance, whichever is
greater
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 ● Foreign Transaction 3% of the amount in U.S. dollars of each foreign transaction

Penalty Fees

● Late Payment Up to $38

● Returned Payment Up to $38

How We Will Calculate Your Balance for Purchases: We use a method called “average daily balance
(including new purchases).”

Loss of Introductory APR: We may end your introductory APRs and apply the Penalty APR if you make
a late payment.

How We Calculate Variable APRs: We calculate each variable APR by adding a margin (interest
percentage) to the value of an index. The index we use is the “Prime Rate” of interest appearing in the
“Money Rates” section of The Wall Street Journal published on the 20th day of the month preceding the
first day of each billing cycle or, if The Wall Street Journal is not published on such date, the next day on
which such Prime Rate is published. A change in the index will result in a change to your variable APRs.
For example, if your margin for purchases, which is based on your creditworthiness, is 10% and the value
of the index (the Prime Rate) is 5.25%, your APR for purchases would be 15.25%. If the value of the
index later increases from 5.25% to 5.50%, your APR for purchases would increase to 15.50%. Variable
APRs disclosed herein are based on the Prime Rate in effect within 60 days before we sent you
this Important Information About Rates and Fees, and may not reflect very recent increases or
decreases in the Prime Rate.

Allocation of Payments: Allocation of your payments will be at our discretion, and generally that means
that we will apply payments to balances with lower APRs before balances with higher APRs. However, any
payment you make in excess of the minimum payment due will be allocated to balances with higher APRs
before balances with lower APRs.

CHANGES TO YOUR CREDIT CARD ACCOUNT: The terms of your credit card account, including
APRs and fees, are subject to change at any time and for any reason permitted by applicable law and
the credit card agreement that will be sent with your credit card. We will notify you of any change if
required by applicable law. Changes to your APR may include changing your APR from non-variable
to variable, from variable to non-variable, or to a higher APR.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law
requires all financial institutions to obtain, verify, and record information that identifies each person who
opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth,
and other information that will allow us to identify you. We may also ask to see your driver’s license or
other identifying documents.

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 Additional Terms and Conditions that Apply to your Application and Credit Card Account

In this application, the terms “you” or “your” means each applicant for credit. You certify that the information
you have provided in this application is correct to the best of your knowledge; and that if there is a co-
applicant who is not present to complete this application that the co-applicant has consented to you applying
on her or his behalf.

You and any co-applicant consent to and authorize us and our authorized agents to obtain all information
and documentation from third parties including government agencies needed to process this request and
to service and collect any resulting account. This includes but is not limited to obtaining credit reports,
employment, and income information and documentation. You and any co-applicant agree that third parties
are authorized to provide us with such information; that we will retain this application; and that we are
authorized to answer questions from others about your credit experience with us.

You are applying to obtain credit from PNC Bank, National Association (N.A.) (“we,” “our,” or “us”). You
understand that we are not obligated to grant you credit. You certify that you are of legal age to enter into
contracts in the state in which you reside and that no bankruptcy proceeding is in progress or anticipated
that involves you. You also represent that you have not submitted, nor will submit, any application for credit
to another lender prior to our consideration of your application.

If your application is approved, a credit card will be issued to you. We also will send you a credit card
agreement at that time.

Your credit card agreement is governed by (i) federal laws and regulations and (ii) the laws of Delaware to
the extent Delaware laws are not preempted by federal laws or regulations and without regard to conflict
of law principles.

If you do not like the terms of the credit card agreement sent to you with your credit card, you can rescind
your credit card agreement by not using your credit card account and contacting us at 1-800-558-8472.
If you use the credit card account, you agree to the terms and conditions of the credit card agreement
and you will be liable (for joint accounts, individually and jointly liable) for all amounts owing on your credit
card account.

Balance Transfer Instructions:

1. Fill out the balance transfer request form completely. The request form must include the exact
amount of each transfer (not “all” or “in full”). Balance transfer requests that are incomplete or
illegible will not be processed. The payment and transfer of balances is subject to approval by us
and we may, in our sole discretion, deny a balance transfer request.
2. You may not transfer a balance that is less than $200. The amount of your balance transfer(s),
plus any applicable fees, cannot exceed your credit limit and your available credit limit will be
reduced by the total amount of each balance transfer plus any applicable fees. When determining
whether the amount of the balance transfer you are requesting would cause you to exceed
your credit limit at the time your request is made, we consider the amount of interest that will
accrue on your account during the first billing cycle as a result of the balance transfer. Balance
transfer requests to individuals or for cash will not be processed. There is no grace period for
balance transfers. If you transfer a balance and also make purchases, if you do not pay your
entire balance in full at the end of the first billing cycle you may lose your grace period for new
purchases. Balance transfers do not earn rewards. Recently disputed charges should not be

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 included in balance transfer requests. By transferring amounts in dispute, your billing rights may
be forfeited.
3. In order to allow time for you to receive your credit card agreement and other important
information, including disclosure of the rates and fees that apply to your account, we will not
begin to process your balance transfer, or post the balance transfer to your account, until at
least 13 days following account opening. Any interest on your balance transfer begins on the
day the balance transfer is posted to your PNC Bank credit card account. If, after you receive
your credit card agreement, disclosures and other important account information sent with your
credit card, you decide you do not want us to process your balance transfer request, you
may cancel the balance transfer by calling us at 1-800-558-8472, 24 hours a day, 7 days a week,
within 13 days following account opening. Continue to make at least your minimum monthly
payments on the accounts from which you are transferring balances until you verify that the
balance transfers are completed. You are responsible for any amounts remaining unpaid on those
accounts and must notify each creditor of each account you wish to close.
4. Balance transfers from any other account with us or any of our affiliates will not be accepted.
5. All balance transfers are subject to the terms and conditions set out in this offer and in your credit
card agreement.

DISPUTE RESOLUTION THROUGH ARBITRATION:

Your credit card agreement will include an arbitration provision. This means that if you have a claim and
we are unable to resolve it informally, you or we may elect to resolve it by individual binding arbitration. If a
claim is arbitrated, it will not be heard by a court or a jury. Also, the claim will proceed as an individual action,
and neither you nor we will have the right to participate in a class action in court. You have the right to opt
out of the arbitration process by providing timely notice to us. Please refer to the Arbitration Provision
located in section 9 of your credit card agreement for complete details.

JURY TRIAL WAIVER NOTICE: Your credit card agreement contains a Jury Trial Waiver that applies
to any dispute that is not arbitrated. Under the Jury Trial Waiver you and we agree to waive any right
to trial by jury in the event of litigation between us. This is only a summary of some of the features
of the Jury Trial Waiver. Please be sure to read the entire credit card agreement carefully.

Important information about phone calls, texts, prerecorded and email messages: If, at any time,
you provide to PNC, its affiliates or designees contact numbers that are wireless telephone number(s),
including but not limited to, cell or VoIP numbers, you consent and agree to PNC, its affiliates and
designees using an automated dialing system to call or text you or to send 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, its affiliates or designees you consent and agree that the call may
be monitored or recorded for quality control and training purposes. By providing your email address, you
consent to receive electronic mail from PNC, its affiliates and designees.

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NOTICES: THE FOLLOWING NOTICES ARE GIVEN BY US ONLY TO THE EXTENT NOT
INCONSISTENT WITH 12 U.S.C. SECTION 85 AND APPLICABLE FEDERAL REGULATIONS AND
OPINIONS (WITH RESPECT TO WHICH WE EXPRESSLY RESERVE ALL RIGHTS).

Notice to California Residents: An applicant, if married, may apply for a separate account.
Notice to New York Residents: You may contact the New York State Department of Financial
Services at 1-800-342-3736 to obtain a comparative listing of all credit card rates, fees and grace
periods.
Notice to New York Residents: A consumer report may be requested in connection with this application.
Upon your request, you will be informed whether or not a consumer report was requested, and if such
report was requested, informed of the name and address of the consumer reporting agency that furnished
the report. Subsequent consumer reports may be requested or utilized in connection with an update,
renewal or extension of the credit for which application was made.
Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit
equally available to all creditworthy customers and that credit reporting agencies maintain separate credit
histories on each individual upon request. The Ohio Civil Rights Commission administers compliance
with this law.
Notice to Rhode Island Residents: A credit report may be requested in connection with this
application.
Notice to Utah Residents: You are hereby notified that a negative credit report reflecting on your credit
record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.
Notice to Vermont Residents: You authorize PNC Bank, National Association to obtain credit reports
about you now and in the future for all legitimate purposes associated with this offer or the account
including, but not limited to: (a) evaluating the application, and (b) renewing, reviewing, modifying, and
taking collection action on your account.
Notice to Married Wisconsin Residents: Submission of this application confirms that this loan obligation
is being incurred in the interest of your marriage or family. No provision of a marital property agreement,
a unilateral statement under Section 766.59 of the Wisconsin Statutes or a court decree under Section
766.70 of the Wisconsin Statutes adversely affects the interest of a creditor unless the creditor, prior to
the time the credit is granted, is furnished a copy of the agreement, statement or decree or has actual
knowledge of the adverse provision when the obligation to the creditor is incurred. If the loan for which
you are applying is granted, your spouse will receive notification that the credit has been extended to you.

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 ® ®
IMPORTANT INFORMATION ABOUT THE PNC POINTS PROGRAM FOR THE PNC POINTS VISA
®
AND PNC POINTS VISA SIGNATURE CREDIT CARD

Summary of the Current PNC points Program

The following is a summary of the PNC points reward program for the PNC points Visa credit card for
which you are applying. Full reward program terms and conditions will be sent with your credit card
and are available on pnc.com/creditcards. As used herein, the term “Qualifying Purchases” does not
mean all purchases you may make with your credit card. Some limited transactions are excluded, such
as purchase of a gift card, or other cash equivalent products, purchases with a convenience check,
cash advances or balance transfers. For details, please see the full terms and conditions for this reward
program. The term “Bonus Points” means special bonus offers, Purchase Payback bonus points, and
bonus points associated with the credit card products as described in the section below and the term
“Base Points” means all points awarded excluding Bonus Points. Your credit card will be automatically
enrolled in the PNC points program.
If, on the payment due date of your points credit card account each month, you also have any one of these PNC
Qualifying Deposit Accounts: Virtual Wallet, Performance Checking Account, Virtual Wallet with Performance
Spend, Performance Select Checking Account or Virtual Wallet with Performance Select, you may qualify to
earn Bonus Points. If the PNC points Visa credit card account is in the name of more than one individual, all
such individuals must be owners of the checking account in order to earn Bonus Points.
Qualifying for 25%, 50% or 75% Bonus Points
If, as of the last deposit account statement issued for your Qualifying Deposit Account on or before the payment due date
of your points credit card account, you have:
1. a Performance Select Checking Account or Virtual Wallet with Performance Select and you have maintained
(1) an average monthly balance of $5,000 or more in that account and/or in a linked Standard Checking or Performance
Select Checking account for which you are an account owner or (2) you have maintained a combined average monthly
balance of $25,000 or more in that account and any linked consumer Standard Checking, Performance Select Checking,
savings, certificates of deposit, retirement CDs, money market accounts, or investment accounts for which you are an
account owner or (3) a qualifying aggregate monthly direct deposit (such as payroll, pension or Social Security) of $5,000
or more into the account (for Virtual Wallet with Performance Select the deposit must be made into the Spend component
of the product), then you will receive Bonus Points equal to 75% of the total of all Base points earned in your points
account during the billing cycle for your points credit card account; OR
2. a Performance Checking Account or Virtual Wallet with Performance Spend and you have maintained (1) an
average monthly balance of $2,000 or more in the account (for Virtual Wallet with Performance Spend this is based on
the Spend and Reserve components of the product) or (2) a combined average monthly balance of $15,000 or more
in the account and any linked consumer Standard Checking, Performance Checking, savings, certificates of deposit,
retirement CDs, money market, line of credit, auto or home equity installment loan, mortgage loan or investment accounts
for which you are an account owner, or (3) a qualifying aggregate monthly direct deposit (such as payroll, pension or
Social Security) of $2,000 or more into the account (for Virtual Wallet with Performance Spend the deposit must be made
into the Spend component of the product), then you will receive Bonus Points equal to 50% of the total of all Base Points
earned in your points account during the billing cycle for your points credit card account;

OR
During a billing cycle, on or before your due date for that billing cycle, we issued you a statement for a Virtual Wallet or
for a PNC Qualifying Deposit Account, other than Virtual Wallet, that did not qualify for Bonus Points of 50% or 75%,
then you will receive Bonus Points equal to 25% of the total of all Base Points earned in your points account during the
billing cycle for your points credit card account.

For purposes of determining average monthly balances and combined average monthly balances, linked
accounts are those accounts that have been linked to your checking account to waive monthly service fees.
See your Consumer Schedule of Service Charges and Fees applicable to deposit accounts for a definition of
"qualifying aggregate monthly direct deposit.”

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If the points credit card account is in the name of more than one individual, all such individuals must
be owners of the Qualifying Deposit Account to earn Bonus Points. If you have multiple points credit
card accounts linked to your PNC points account then you will receive Bonus Points equal to the application
of the highest qualifying percentage. If you close or de-link a points credit card, you may forfeit a portion of
the Bonus Points for the billing cycle in which you close or de-link. Points are awarded to your PNC points
account within 7-10 business days but no later than within 60 calendar days.
The Annual Percentage Yield (APY) associated with any interest bearing PNC Bank checking or
other deposit account referenced above is a variable rate subject to change, and varies by market
and product type. Fees may reduce earnings. Call 1-877-CallPNC (225-5762), go to pnc.com or any
branch to obtain APY information in your market.

PNC Bank reserves the right to change or terminate the PNC points Program at any time.

Visa and Visa Signature are registered trademarks of Visa International Service Association and
used under license. PNC points is a registered mark of The PNC Financial Services Group, Inc.

PNC Bank, National Association (N.A.) is the issuer of the credit card described herein.

© 2021 The PNC Financial Services Group, Inc. All Rights Reserved. Member FDIC

04/07/2021 IDS 00000778-0325

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