b'Pricing Information Addendum for PNC Bank Consumer Credit Card Agreement # K-10556\nA Note About the Attached Consumer Credit Card Agreement (# K-10556): The attached consumer credit card agreement was the\nstandard agreement used for PNC Bank, National Association consumer credit card accounts as of the last business day of the\npreceding calendar quarter. This agreement may have changed or may no longer be in use after that date. The information in this\nPricing Information Addendum is a summary of all pricing information that was available for new accounts subject to this agreement as\nof the last business day of the preceding calendar quarter. Certain provisions of the attached agreement vary from one consumer to the\nnext to reflect the specific pricing information for a given consumer credit card account.\nSummary of Interest Rate Information: Annual Percentage Rates (\xe2\x80\x9cAPRs\xe2\x80\x9d) below with a (V) vary (increase or decrease) with the\nmarket based on the prime rate (index). In some instances, the consumer\xe2\x80\x99s credit card agreement provided for a non-variable APR for\nsome of the features of the account. The Penalty APR may be applied to the consumer\xe2\x80\x99s account if the consumer makes a late\npayment. If the APRs on an account are increased for this reason, the Penalty APR will apply until the consumer makes six consecutive\nminimum payments by the applicable due date.\nFeature\n\nMargin\n\nDaily Periodic Rate of Interest\n\nCorresponding APR\n\nPurchases and\nBalance Transfers\n\n15.74%\n\n0.05202% (V)\n\n18.99% (V)\n\nCash Advances\n\n18.74%\n\n0.05202% (V)\n\n18.99% (V)\n\nPenalty APR\n\n25.74%\n\n0.07942% (V)\n\n28.99% (V)\n\nMinimum Interest Charge: $1.50\nSummary of Fee Information:\nFee\n\nFee Amount\n\nAnnual Fee\n\n$36 ($3 per month)\n\nBalance Transfer\n\n3% of the amount of the balance transfer or $5, whichever is greater\n\nCash Advance\n\n4% of the amount of each cash advance or $10, whichever is greater\n\nForeign Transaction\n\n3% of the amount in U.S. dollars of each foreign transaction.\n\nLate Payment\n\nUp to $35\n\nReturned Payment\n\nUp to $35\n\nPaying Interest (grace period): The due date on an account is at least 21 days after the close of each billing cycle. No interest is\ncharged on new purchases appearing on the consumer\xe2\x80\x99s current statement if the consumer paid in full the \xe2\x80\x9cNew Balance\xe2\x80\x9d shown on the\nconsumer\xe2\x80\x99s previous statement and the payment was received by that due date. We begin charging interest on cash advances and\nbalance transfers on the transaction date.\nBalance Computation Method: The method used to calculate the balances subject to interest on a consumer\xe2\x80\x99s account is called the\n\xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d Here are the details about this calculation method for purchases, balance transfers\nand cash advances:\n\xe2\x80\xa2\n\nHow we calculate the balance on purchases (including balance transfers): (1) We start with the unpaid amount\nof purchases for the current billing cycle, which may include unpaid interest and fees from previous billing cycles. (2)\nEach day we subtract any payments or credits that apply to purchases. We add any new purchases, any new fees\nthat apply to purchases, and any interest on the previous day\xe2\x80\x99s purchase balance if you have not paid in full the New\nBalance on your previous statement by the due date. This gives us the daily balance of purchases. (3) Then we add\nup all the daily balances of purchases for the billing cycle and divide by the total number of days in the billing cycle.\nThis gives us the \xe2\x80\x9caverage daily balance of purchases\xe2\x80\x9d for the current billing cycle. (Although balance transfers are\ncalculated as part of the average daily balances (including new purchases), there is no grace period for balance\ntransfers).\n\n\xe2\x80\xa2\n\nHow we calculate the balance on cash advances: (1) We start with the unpaid amount of cash advances, which\nmay include unpaid interest and fees from previous billing cycles. (2) Each day we subtract any payments or credits\nthat apply to cash advances. Then we add any new cash advances, any new fees that apply to cash advances, and\nany interest on the previous day\xe2\x80\x99s cash advance balance. This gives us the daily balance of new cash advances. (3)\nThen we add up all the daily balances of cash advances for the billing cycle and divide by the number of days in the\nbilling cycle. This gives us the \xe2\x80\x9caverage daily balance of cash advances.\n\n\x0cK-10556 PNC SECURED CONS AGRMT-20A\n\nPNC Bank Consumer Credit Card Agreement\nSpecial Note: Examples in this Agreement are for illustration only and are not contract terms.\n\n1 INTRODUCTION\nThis Agreement governs your Account, which we have opened at your request.\nYou are agreeing to all the terms and conditions of this Agreement when you:\n\xe2\x80\xa2 use the Account or allow anyone else (an authorized user) to use the Account; and/or\n\xe2\x80\xa2 don\xe2\x80\x99t cancel the Account within 10 days after we send or otherwise deliver this Agreement to you.\nYour legal representative, including any attorney-in-fact you may appoint, shall also be subject to the terms and conditions of this Agreement.\n1.1 Basic terms defined\nWe, us, PNC Bank and our: PNC Bank, National Association and its successors and assignees\nYou and your: Any person who, verbally or in writing (including electronically), applies or accepts our offer for, or who otherwise agrees to be\nfinancially responsible with respect to, the Account\nAccount: Your credit card account with us\nAgreement: This PNC Bank Consumer Credit Card Agreement and the accompanying Interest Rate and Fee Disclosures, as may be\nchanged from time to time, and the terms of any Convenience Checks or special offers we make to you\nCard or Cards: Any credit card(s) we issue to you or an authorized user for accessing your Account\nCard Mailer: A document we provide to you to which your Card(s) is/are attached\nConvenience Check(s): Any convenience check(s) we provide to you for accessing your Account\nDue Date: The date a required payment is due as shown on your Statement. To be considered received by the due date, a payment must\nbe made by that date in accordance with our payment requirements, including in time to be credited to your Account by that date. For\ninformation on our payment requirements and when we credit payments, see section 3.4. We also include this information on your Statement\neach month.\nExample\nPat\xe2\x80\x99s current statement shows that his minimum payment is due March 15. Pat makes his payment online using the \xe2\x80\x9cTransfer Funds\xe2\x80\x9d\nsection of his PNC Online Banking account on March 15 at 9:00 p.m. eastern time.\nBecause Pat did not make his payment by 5:00 p.m. eastern time (the cut off time for this payment option), he did not make his payment\nby his due date. Assuming he met our other payment requirements, his payment will be credited to his account as of March 16 and his\naccount will be assessed a late fee.\nInterest Rate and Fee Disclosures: The tables of interest rates and fees provided with this Agreement\nPosting/Crediting: The application of a transaction, such as a payment or purchase, to your Account\nStatement: A document that you receive for a billing cycle that shows your Account activity and any amount due\n\n2 USING YOUR ACCOUNT\nYou may use your Account for the following types of transactions:\n\xe2\x80\xa2 Purchases: You may use your Card to buy goods and services from a participating merchant. The goods and services you buy must be for\npersonal, family and household purposes only.\n\xe2\x80\xa2 Cash advances: You may get cash advances from us or from another participating financial institution by using a Card at an automated\nteller machine (ATM), by issuing a Convenience Check against your Account or by any other means we offer. Cash advances also include\nthe use of your Account to purchase cash equivalent items. Cash equivalent items are items that are similar to cash, including, but not\nlimited to, traveler\xe2\x80\x99s checks, wire transfers, money orders, gift cards, virtual currencies and stored value cards. Transactions made at or\nwith a financial institution (such as the purchase of a CD or funding of a savings account), payments to government entities, payments\nusing a third party service, and lottery, betting or gambling purchases are also cash equivalent items. All cash advances are subject to the\ncash advance APR and cash advance fee. Cash advances do not earn rewards under reward programs.\n\xe2\x80\xa2 Balance transfers: Information about balance transfers is provided in Section 6.1 of this Agreement.\nYou may not use your Account to buy lottery tickets, place bets or gamble if these transactions are made online. You also may not use your\nAccount for any illegal transactions. You may not use your Account to make payment on other loans or lines of credit you have with us.\n\n\x0cWe may refuse to authorize a transaction if:\n\xe2\x80\xa2 the transaction would cause you to exceed your credit limit or cash advance limit or otherwise cause you to be in default as described in\nsection 7.1 of this Agreement;\n\xe2\x80\xa2 you are already in default as described in section 7.1 of this Agreement;\n\xe2\x80\xa2 your right to use the Account has been suspended; or\n\xe2\x80\xa2 your Account has been closed.\nYou must sign your Card before you use it. We are not responsible for anyone refusing to honor a Card or Convenience Check. Except as\ndescribed in the \xe2\x80\x9cYour billing rights\xe2\x80\x9d section of this Agreement or otherwise required by applicable law, we have no liability for any claim you may\nhave arising out of your or an authorized user\xe2\x80\x99s use of the Account, including any claim for a purchase made with a Card.\nYou must tell us at once if you change your name, address or employment.\n2.1 Your credit limit\nWe establish a credit limit for your Account. This is the maximum amount of credit we have established for your Account. The minimum credit\nlimit is $300. As part of your total credit limit, you have a separate cash advance limit. Your available credit is the difference between your credit\nlimit and your total balance and any pending transactions. The amount you have available for cash advances is the difference between your\ncash advance limit and your total cash advance balance and any pending cash advance transactions.\n\nCash advance limit\nCash advance\n\n-\n\n$250\n$110\n\n=\n\n$140\n\nAmount available for\nadditional cash advances\n\nWhere to find the amount of your credit limit, cash advance limit and available credit.\nYour initial credit limit and cash advance limit are printed on your Card Mailer. Your total credit limit, total available credit and total available for\ncash advances are shown on your Statement each month. We may also make more current information about your Account, including your\nAccount balance, available at pnc.com/onlinebanking.\nWe may increase or decrease your credit limit or cash advance limit at any time and for any reason.\nIf your credit limit is ever increased, you must increase your security deposit by the amount of the increase in your credit limit, which must be in\nmultiples of $50.00. We may, in our sole discretion, permit you to provide additional security in an amount less than the amount of the credit\nlimit increase. Your credit limit may not be increased for up to 15 days after we receive your additional security deposit, and it will not be\nincreased if your additional security deposit is made by a check, money order, electronic entry or other method that is not honored by the\nfinancial institution it is drawn on or is otherwise not paid. If you send us a check or electronic credit, it must be drawn on an account\nmaintained at a financial institution located in the United States. All security deposits must be in U.S. dollars.\nIf you want to decrease your credit limit, you need to tell us in writing. You may not request a decrease more than twice over the life of your\nAccount. The minimum decrease is $300, and larger decreases may be made in multiples of $50.00.\nIf you ask us to decrease your Credit Limit, within 60 days after we receive your request, we will withdraw the amount of the decrease from\nyour security deposit, apply as much as necessary to your Account to bring your balance down to the new credit limit, and send you a check or\ncredit your Account for the remainder of your Security Deposit that exceeds your new credit limit.\nAdditional information about your security deposit is provided in section 8.5 of this Agreement.\nIf you exceed your limit\nWe have no obligation to authorize any transaction that would put you over your credit limit or cash advance limit but may do so at our discretion.\nIf we do authorize a transaction that will put you over your credit limit or cash advance limit, you will still be responsible for paying those\ntransactions. If you receive a Statement showing that you went over your credit limit, you must pay the overlimit amount by the Due Date shown\non that Statement.\n\n3 BILLING AND PAYMENTS\nYou agree to pay all amounts due on your Account. If you allow anyone to use your Account, you are responsible for all charges made by that\nperson, even if the charges are more than you expected or for which you gave permission. If your Account is a joint account, each of you is\njointly and individually responsible for all amounts due on your Account.\n3.1 Your Statement\nAt the end of each billing cycle, we will provide a Statement that covers the billing cycle, to the extent required by applicable law. A \xe2\x80\x9cbilling\n\n\x0ccycle\xe2\x80\x9d means the days covered by a Statement. Typically, a billing cycle will be 30 or 31 days, but can change from month to month. We tell\nyou on your Statement the number of days in the billing cycle covered by the Statement as well as the Statement period end date (closing\ndate) of that billing cycle.\nWe will send only one Statement per billing cycle for your Account even if your Account is a joint account. We will send each Statement to the\npostal address we have on file that we have designated as the \xe2\x80\x9cprimary\xe2\x80\x9d address for your Account. If you have opted for us to provide your\nStatements electronically, we will not have any obligation to send any Statements to your postal address. We may, at our discretion, round or\ntruncate any amounts shown on your Statement, subject to any restrictions under applicable law.\n3.2 Your minimum payment\nYou must pay at least the minimum payment each month by the Due Date shown on your Statement.\nIf you pay more than the minimum payment due for one billing cycle, you will still need to pay the full minimum payment due for the next billing\ncycle. There is no charge or penalty for paying more than the minimum payment.\nHow we calculate your minimum payment\nYour minimum payment will be the greater of:\n\xe2\x80\xa2 Calculation 1\n$25\n+ Any past due amounts OR\n\xe2\x80\xa2 Calculation 2\n2.5% of the new balance shown on your Statement\n+ Any past due amounts OR\n\xe2\x80\xa2 Calculation 3\n1.0% of the new balance shown on your Statement\n+ The total interest, including any minimum interest charge, shown on your Statement\n+ Any fees shown on your Statement (except any annual fee, foreign transaction fee or balance transfer fee)\n+ Any past due amounts\nIf your new balance is less than $25, you must pay the new balance in full.\nExample\nPat\xe2\x80\x99s statement shows a new balance of $500, including a past due amount of $38. He has been charged $10.60 in interest and a $25\nlate fee because he missed his last payment.\nHis minimum payment will be the largest of:\nCalculation 1\nFlat amount\nAmount past due\n\n$25.00\n+ $38.00\n= $63.00\n\nCalculation 2\n.025 x $500 new balance\nAmount past due\n\n$12.50\n+ $38.00\n= $50.50\n\nCalculation 3\n.01 x $500 new balance\nTotal interest\nLate fee\nAmount past due\n\n$5.00\n+ $10.60\n+ $25.00\n+ $38.00\n= $78.60\n\nBecause $78.60 is larger than $50.50 and $63.00, Pat\xe2\x80\x99s minimum payment this billing cycle is $78.60.\n\n\x0cIf you owe any amount over your credit limit, as previously stated, that amount is also due on the Due Date. Your Statement will show both the\nminimum payment due and overlimit amount due, if applicable. The total of your minimum payment and your overlimit amount will be shown\non your Statement as your total payment due.\nPeriodically, you may receive a credit to your Account, such as when you return a purchase to a merchant or when you redeem a reward for a\nmonetary credit to your Account. Credits are not applied to your Account as payments.\n3.3 How to make payments\nWe provide several ways for you to make a payment.\n\xe2\x80\xa2 Online: Sign on to your PNC Online Banking account at pnc.com and click on the \xe2\x80\x9cTransfer Funds\xe2\x80\x9d tab.\n\xe2\x80\xa2 Mail: Send your payment to the P.O. Box on your Statement coupon.\n\xe2\x80\xa2 Phone: Use our automated telephone payment service by calling:\n\xe2\x80\xa2 1-800-558-8472;\n\xe2\x80\xa2 provide us with the dollar amount of the payment you wish to make; and\n\xe2\x80\xa2 provide us with information about the checking or savings account (bank and account number) to be charged.\nYour use of the telephone payment service, together with the entry of your PIN, is your authorization for us to initiate a charge (via an ACH\ndebit or other electronic entry) to the designated checking or savings account in order to make the payment you requested. Once you have\ncompleted the authorization, it can only be revoked by contacting:\nPNC Bank\nEquity Monetary/BR-YB-58-01-7\nP.O. Box 5570 Cleveland, OH 44101\nPhone: 1-800-558-8472\nIf our attempt to charge your checking or savings account is unsuccessful because there are insufficient funds in the account you designate or for any other reason - we may charge you a returned payment fee in accordance with the terms of this Agreement.\n3.4 Crediting your payments to your Account\nIf you use one of the payment options listed in section 3.3 to make your payment and you comply with the additional payment\nrequirements set out in this section, we will credit your payment as follows:\n\xe2\x80\xa2 Payments received by 5:00 p.m. eastern time for payments received by mail, 6:00 p.m. eastern time for payments made by using our\nautomated telephone payment service or by midnight eastern time for payments made by signing on to your PNC Online Banking\naccount at pnc.com and clicking on \xe2\x80\x9cMake a Payment\xe2\x80\x9d or \xe2\x80\x9cPay Today\xe2\x80\x9d on the account activity screen for your Account will be credited\nthe same day received.\n\xe2\x80\xa2 Payments received after the set time for the payment method will be credited the next day.\nIf you don\xe2\x80\x99t use one of the options listed in section 3.3 and/or don\xe2\x80\x99t comply with the following additional payment requirements, crediting of your\npayment may be delayed up to 5 days or your payment may be rejected.\nAdditional payment requirements: All payments must be in U.S. dollars and drawn on an account at a U.S. financial institution. You may not\nuse a Convenience Check to make a payment on your Account. When sending your payment by mail, you must use the envelope provided\nwith your Statement, make sure our address is showing through the envelope window and include your payment coupon; do not send cash or\ninclude paper clips, staples, tape or other correspondence with your payment.\n3.5 How we apply your payments\nApplication of your payments is at our discretion, and generally that means that we will apply your payments to balances with lower APRs\nbefore balances with higher APRs. However, any amounts you pay in excess of your minimum payment due will be allocated to balances with\nhigher APRs before balances with lower APRs.\nWhen you make a payment, it may take 7 or more days before the payment amount is available to re-borrow as part of your total available\ncredit.\n\n4 INTEREST CHARGES\n4.1 When interest charges apply\nWe begin to charge interest on your transactions as follows:\n\xe2\x80\xa2 Purchases and cash advances (other than Convenience Checks) and any related transaction fees: On the day you make the transaction\n\xe2\x80\xa2 Balance transfers and any related transaction fees: On the day the transaction posts to your Account\n\xe2\x80\xa2 Convenience Checks and any related transaction fees: On the day the Convenience Check posts to your Account\n\xe2\x80\xa2 All other fees and charges: On the day we post such fee or charge to your Account\nWe continue to charge interest on these transactions, fees and charges until you pay your balance in full and your payment is credited to your\nAccount.\n4.1.1 How to avoid paying interest on new purchases (grace period)\nIf you pay your entire new balance showing on your current Statement by your Due Date, you may avoid paying interest on new purchases\nappearing on your next Statement if you pay those new purchases by the Due Date shown on that next Statement. This is called a grace\nperiod. There is no grace period for cash advances and balance transfers. Please refer to section 6.1 for information on how transferring a\nbalance can impact your grace period on new purchases.\n4.2 Your APRs\nYour Annual Percentage Rates (APRs) are the interest rates that determine how much interest you will pay on your Account for each billing\ncycle. Any variable APR that applies to your Account equals the value of an \xe2\x80\x9cindex\xe2\x80\x9d plus a margin.\n\n\x0cPlease refer to the Interest Rate and Fee Disclosures for the margins (for any variable APR), daily periodic rates of interest and APRs that\napply to your Account. As specified in Section 8.1, we may change your APRs from time to time.\nThe index The index used to calculate any variable APRs applicable to your Account and in effect for each billing cycle is the \xe2\x80\x9cPrime Rate\xe2\x80\x9d of\ninterest appearing in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d section of The Wall Street Journal published on the 20th day of the month preceding the first day of\nthat billing cycle or, if The Wall Street Journal is not published on that date, the next day on which such Prime Rate is published. If The Wall\nStreet Journal stops publishing the Prime Rate, we will choose a similar rate to use as the index.\nExample\nMary has a billing cycle that starts on June 25, 2017. Her purchase APR is a variable rate determined by adding her margin of 12.99%\nto the value of the index. To determine the purchase APR that will apply to her billing cycle that starts on June 25, 2017, we first need\nto determine the value of the index. We do that by looking at the prime rate listed in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d section of The Wall Street\nJournal on June 20, 2017. On that date, the prime rate listed was 4%. Therefore, Mary\xe2\x80\x99s APR for purchases for her billing cycle\nstarting June 25, 2017 is 12.99% (her margin) + 4% (the prime rate) = 16.99%.\nAny increase or decrease in the value of the index will result in a corresponding increase or decrease in the periodic rates of interest and\nAPRs that apply to your Account as well as the minimum payment amount (unless no interest calculated using the index is included in the\nminimum payment amount) and amount of interest you\xe2\x80\x99ll pay. Any change to your periodic rates of interest and corresponding APRs that is a\nresult of a change to the index will be effective as of the first day of the applicable billing cycle. Your APRs for a billing cycle are shown on\nyour Statement for that billing cycle.\nIntroductory or promotional APR\nIf your Account comes with any introductory APRs, information about those introductory APRs is provided in the Interest Rate and Fee\nDisclosures. In addition, we may occasionally make promotional (special rate) offers to you.\nIf we offer you a special rate, we will tell you:\n\xe2\x80\xa2 Rate: The special APR that will apply\n\xe2\x80\xa2 Promotional Period: How long the special rate will apply\n\xe2\x80\xa2 Eligible transactions: The transactions or balances to which the special rate will apply\n\xe2\x80\xa2 Fees: Any fees that apply\nWe will calculate interest on eligible transactions separate from the rest of the transactions on your Account. Your Statement will show any\nbalances to which a special rate applies.\nWe may cancel a special rate if you trigger the Penalty APR.\nPenalty APR\nIf we do not receive a minimum payment within 60 days after your Due Date, we may apply the higher Penalty APR to all your balances and\nfuture transactions. If we do this, we will notify you, as required by applicable law.\nAfter the Penalty APR goes into effect, if you make at least your required minimum payments for six consecutive billing cycles by the applicable\nDue Dates, then, beginning the first day of the next billing cycle after you\xe2\x80\x99ve met these payment requirements, we\xe2\x80\x99ll stop using the Penalty APR\nand use the APRs that would otherwise apply to your Account.\n4.3 How we calculate interest charges\nWe use the average daily balance (including new transactions) method to calculate the amount of interest on your Account. That means we\nuse the formula below to calculate interest for each different transaction type on your Account. Then we add the interest for each transaction\ntype together to get the total amount of interest that applies to your Account.\nYour Account may have one or more of the following transaction types: purchases, cash advances, protected balances and special rate\ntransactions. For purposes of calculating interest, balance transfers are considered non-promotional purchases unless a special rate offer\napplies, in which case they are treated as special rate transactions.\nFormula used to calculate interest on each transaction type\nDaily periodic rate of interest\nx Average daily balance\nx Number of days in billing cycle\n= Interest charges\nTo use this formula, we first have to calculate components of the formula.\nDaily periodic rate of interest\nThe daily periodic rate is the applicable APR divided by 365.\nAPR\n\xc3\xb7 365\n= Daily periodic rate of interest\nBecause you may have a different APR for each transaction type, you may have a different daily periodic rate of interest for each transaction\n\n\x0ctype.\nAverage daily balance\nWe calculate the average daily balance for each transaction type (as previously stated, balance transfers are calculated as part of the average\ndaily balance for purchases, unless they are subject to a special rate offer) as follows:\nEach day, we calculate the daily balance for each transaction type as follows:\nUnpaid amount of transactions (which may include unpaid interest and fees from previous billing cycles)\n\xe2\x80\x93 Any payments or credits applied to those transactions as of that day\n+ Any new transactions, applicable fees, and interest on the previous day\xe2\x80\x99s balance\n= Daily balance\nAt the end of the billing cycle, we calculate the average of these daily balances as follows:\nSum of daily balances for the billing cycle\n\xc3\xb7 Number of days in the billing cycle\n= Average daily balance\n\nDaily periodic rate of interest\nfor purchases\n=\nAverage daily balance\nDays in billing cycle\n\n15% \xc3\xb7 365\n.04109%\n$400\n30\n\nCalculation of interest charges\nDaily periodic rate\n.04109%\nAverage daily balance\nx $400\nNo. days in billing cycle\nx 30\nInterest charges for purchases\n\n= $4.93\n\nRounding and truncation\nWe may, at our discretion, round or truncate these amounts, subject to any restrictions under applicable law.\nMinimum interest charge\nYou will always be charged at least a minimum amount of interest for a billing cycle, unless there is no interest charge at all for that billing cycle.\nThe amount of your minimum interest charge is shown on your Interest Rate and Fee Disclosures. Any minimum interest charge assessed to\nyour Account will be shown under the \xe2\x80\x9cFees\xe2\x80\x9d section of your Statement.\n\n5 FEES\nThere are certain fees associated with managing your Account. These fees are in addition to any interest charges associated with a\ntransaction.\nIf you are charged a penalty fee for making a late payment or having a payment returned, you must still make any required payment due and\nowing on your Account.\nTransaction fees are included in the average daily balance for the corresponding transaction type. For example, cash advance fees are\nincluded in the average daily balance for cash advances. Penalty fees, such as the late fee, and service fees, such as the stop payment fee,\nare included in the average daily balance for purchases.\nWe show the amount of each fee that applies to your Account in your Interest Rate and Fee Disclosures. The table below describes when\nthose fees may be applied to your Account. If a particular fee does not apply to your Account, your Interest Rate and Fee Disclosures will\nshow \xe2\x80\x9cnone\xe2\x80\x9d or \xe2\x80\x9c$0\xe2\x80\x9d \xe2\x80\x93 or similar language - for that fee or will not show that fee at all. As specified in Section 8.1, fees on your Account are\nsubject to change.\n\n\x0cFEE\n\nWHEN THIS FEE IS CHARGED\n\nAnnual\n\nWhen the Account is opened and every year after that. The total amount of the annual fee is\ndivided by 12 and assessed to your Account in equal monthly increments.\nWhen you transfer balances to your Account as explained in Section 6.1.\n\nBalance transfer\nCash advance\nForeign transaction\n\nWhen you take a cash advance. See Section 2 for a description of transactions that are\n\xe2\x80\x9ccash advances.\xe2\x80\x9d\nWhen you make a foreign transaction as explained in section 6.2.\n\nLate payment\n\nWhen your minimum payment for a billing cycle is not received by the Due Date.\n\nReturned payment\n\nIf you make a payment on your Account and the payment is returned unpaid.\n\nStop payment\n\nWhen you ask us to stop payment on a Convenience Check or balance transfer, or when\nyou renew a stop payment order.\nWhen you request copies of statements, Convenience Checks or other Account\ndocuments. If the document you request must be obtained from Visa or MasterCard, you\nmay need to reimburse us for fees they charge us.\n\nResearch\n\nRush card\nExpedited payment\n\nIf your request is directly related to a disputed item on your Statement, you will not be charged\na fee.\nIf we expedite delivery of a replacement Card at your request.\nIf you ask a customer service representative to expedite the crediting of a payment to\nyour Account.\n\n\x0c6 ACCOUNT FEATURES AND SERVICES\n6.1 Balance transfers\nWe may permit you to transfer balances you owe to other financial institutions or companies to your Account.\n\xe2\x80\xa2 If you requested a balance transfer when you opened your Account, it may take three weeks or more from the time you request the balance\ntransfer for us to process your request.\n\xe2\x80\xa2 Balance transfers will count against your credit limit, just like any other transaction.\n\xe2\x80\xa2 Balance transfers do not earn rewards under reward programs.\nUnless we tell you otherwise in a special rate offer, interest on balance transfer transactions will be at the APR for purchases; however, balance\ntransfers are not eligible for the grace period.\nKeep in mind that if you transfer a balance using a Convenience Check, that transaction will be treated like any other Convenience Check\ntransaction, so it will be subject to the APR for cash advances and the cash advance fee, unless we tell you otherwise.\nBalances you can transfer\nYou can transfer balances from most non-PNC financial institutions or credit-related companies. The following items do not qualify as balance\ntransfers and will not be processed:\n\xe2\x80\xa2 Requests to transfer a balance from an account at PNC Bank or one of our affiliates\n\xe2\x80\xa2 Requests to transfer cash between individuals\n\xe2\x80\xa2 Recurring payments to the same company or financial institution\nGenerally, you can only transfer balances of at least $200, but we may choose to process a balance transfer for less than that at our discretion.\nIf you request a balance transfer that would cause your Account to exceed its credit limit, we may do any of the following, at our discretion:\n\xe2\x80\xa2 Accept the entire amount of the requested balance transfer;\n\xe2\x80\xa2 Accept only a portion of the amount requested as a balance transfer; or\n\xe2\x80\xa2 Refuse to process any amount of the requested balance transfer.\nYou should not include in any balance transfer recently disputed charges with other creditors. Transferring disputed charges may cause you\nto give up certain dispute rights you may have.\nWe may deny any balance transfer request for any reason.\nTransferring your balance from another account will not automatically close that account. You will still need to contact the other creditor to\nclose that account. You should continue to make at least your minimum payment on the account from which you are transferring a balance\nuntil that account is shown by the creditor as paid in full.\nIntroductory or promotional balance transfer offers\nOccasionally, we may offer to let you transfer a balance to your Account at a special rate and/or fee. In our offer, we will tell you if the balance\ntransfer will post to your Account as a purchase, cash advance or other kind of transaction, depending on the specifics of the offer. Balance\ntransfers will be shown on your statement as described in the offer.\nHow transferring a balance could impact your grace period on new purchases\nIf you transfer a balance and also make new purchases, you may be assessed interest on new purchases. That is because when you\ntransfer a balance, particularly a balance transfer that is subject to a special rate offer with a low or 0% APR, you typically carry that balance\nfrom month to month. As we stated in Section 4.1.1, you may lose your grace period on new purchases if you carry a balance from month to\nmonth.\n6.2 Foreign transactions\nTransactions with merchants and financial institutions outside the U.S. and its territories are considered \xe2\x80\x9cforeign transactions.\xe2\x80\x9d\nHow we process foreign transactions\nIf you make a foreign transaction, including a return, in a foreign currency, Visa or MasterCard (as applicable) will convert the transaction to,\nand we will post it to your Account in, U.S. dollars. We will also charge a foreign transaction fee for each foreign transaction. The exchange rate\nthat Visa or MasterCard uses to convert the transaction to U.S. dollars is the rate it has selected from the range of rates available in the\nwholesale currency markets for the applicable conversion date (which may differ from the rate Visa or MasterCard receives) or the\ngovernment-mandated rate in effect for the applicable conversion date. The conversion rate may differ from other exchange rates for the\nforeign currency.\n6.3 Optional overdraft protection\nYou can protect your PNC Bank checking account from overdraft fees and returned personal checks by enrolling in overdraft protection. This\nservice is optional, and you must enroll for it to take effect.\nOnce you enroll in overdraft protection, it may take up to 17 days for us to activate the service.\nHow overdraft protection works\nIf you make a transaction in your checking account that would cause it to be overdrawn, we will advance an amount from your Account to your\nchecking account to cover the amount that is overdrawn, up to your cash advance limit.\nEach overdraft protection advance must be for a minimum amount, which we will tell you in the overdraft protection terms and conditions for\nyour checking account. Any amount over the minimum amount will be rounded up to the next whole dollar.\nWe process advances after the close of business Monday through Friday. Only one advance will be made per day for each checking account.\nFees for overdraft protection\nEach overdraft protection advance will post to your Account as a cash advance, and we will charge your Account the cash advance fee. Your\nchecking account may include additional fees for accessing overdraft protection. See the fee schedule for your checking account(s)\nfor specific fee information.\nSuspending or canceling overdraft protection\nWe will automatically cancel overdraft protection if your Account is closed, and we may cancel it if your Account remains open. In addition, we\nmay refuse to make an overdraft protection advance for any of the following reasons:\n\n\x0c\xe2\x80\xa2 Your Account is in default;\n\xe2\x80\xa2 Your right to use your Account is closed or suspended; or\n\xe2\x80\xa2 The advance would exceed your Account\xe2\x80\x99s cash advance limit.\nIf we refuse to make an overdraft protection advance, we may, at our discretion, choose whether to pay or refuse any personal checks or other\ntransactions to your checking account that would cause it to be overdrawn. In either case, certain checking account fees may apply. See\nthe fee schedule for your checking account(s) for specific fee information.\n6.4 Stop payment orders on Convenience Checks\nWe may permit you to stop payment on a Convenience Check.\nYou (if your Account is a joint account, either of you) may make a stop payment order on a Convenience Check, even if somebody else wrote\nit. We may charge a fee for stop payment orders.\nAfter we receive your stop payment order, it will be effective for six months, unless you notify us in writing to cancel the stop payment order\nsooner.\nHow to place a stop payment order\nTo place a stop payment order, call us at the number shown on your Statement. Please be ready with the following information about the\nConvenience Check you would like us to stop:\n\xe2\x80\xa2 Account number\n\xe2\x80\xa2 Check number\n\xe2\x80\xa2 Date\n\xe2\x80\xa2 Amount\n\xe2\x80\xa2 Name of party to be paid\n\xe2\x80\xa2 Your name and address\nWe process stop payment orders by computer, so make sure that the information you provide, such as the amount and Convenience Check\nnumber, is accurate. Otherwise, we cannot ensure the item you want stopped will not be paid.\nWe must receive your stop payment order with enough time and in a manner so that we can reasonably act on it before we have finalized your\npayment.\nExtending a stop payment order\nTo extend a stop payment order, you need to write or call us before it expires. If you do not extend the stop payment order, we are allowed to\npay an item presented to us after the stop payment order has expired.\nIf we inadvertently pay an item that you have a stop payment order on, we may not recredit your Account if you owe money to the payee. If we\nrecredit your Account, you will have assigned us your rights against the payee(s), for the item and the underlying claim.\n6.5 Lost or stolen Cards and Convenience Checks\nYou must tell us at once if your Card or Convenience Check is lost or stolen, or if you think someone used your Card or Convenience Check\nwithout your permission.\nTo notify us, either write a letter to the address shown on your Statement, or call us at the phone number shown on your Statement. Until you\ndo, you may have to pay up to $50 for the purchases and/or cash advances made by anyone who used the Card without your permission. You\nmay also be liable for unauthorized use of Convenience Checks.\n\n7 CLOSING OR SUSPENDING YOUR ACCOUNT\nYou may close your Account at any time and for any reason. If you call us to close your Account, we may require that you confirm your request\nin writing.\nWe have the right to suspend or close your Account at any time and for any reason subject to any restrictions under applicable law. We may\nalso cancel our Visa or MasterCard credit card programs at any time and for any reason.\nWhether your Account is closed by us, or by you, you must return all Cards and Convenience Checks, including all Cards and Convenience\nChecks you gave to others, if we request you to do so. After your Account is closed, you cannot use it to make new transactions. However, all\nother provisions of this Agreement will continue to apply, including your obligation to pay the full amount you owe us. If you do not pay the full\namount you owe under this Agreement, unless prohibited by applicable law, you will be liable for our collection costs, including reasonable\nexpenses for our attorney fees and legal actions.\n7.1 What will cause you to be in default of this Agreement\nYou will be in default if:\n\xe2\x80\xa2 You become insolvent or bankrupt\n\xe2\x80\xa2 You are declared legally incapacitated or die\n\xe2\x80\xa2 You exceed your credit limit or cash advance limit and we have not designated your Account as Visa Signature\n\xe2\x80\xa2 You fail to make any payment due on your Account by the Due Date\n\xe2\x80\xa2 You default on any obligation of yours to us\n\xe2\x80\xa2 You have had an adverse change in your financial circumstances and, in our good faith opinion, will not be able to make payments due or\nmeet any other obligation you have to us\n\xe2\x80\xa2 Your Account becomes inactive\n\xe2\x80\xa2 Your Account is being used for fraud or improper purposes, or we have any reason to believe it is in danger of being used as such\n\xe2\x80\xa2 You are married and reside in a community property state, and we receive a written notice that your spouse is no longer liable on the\nAccount (except where prohibited by law)\n\xe2\x80\xa2 You have made false statements affecting the Account application or maintenance of your Account\n\xe2\x80\xa2 This is a joint Account and one of you notifies us that he or she wants the Account closed or will no longer be liable on your Account (except\nwhere prohibited by law)\n\n\x0cIf you are in default, we may immediately close your Account and you must immediately pay in full all amounts due on your Account, subject to\nany restrictions under applicable law.\n7.2 Removing an authorized user\nIf you let someone use your Account (an \xe2\x80\x9cauthorized user\xe2\x80\x9d) and you want to stop that person from using your Account, you must destroy all\nCards and Convenience Checks that are in that person\xe2\x80\x99s name or in that person\xe2\x80\x99s possession. If you wish to ensure that the authorized user\nhas no further access to your Account, you must contact us and ask us to remove the authorized user from your Account and to provide you\nwith a new Account number and a new Card or Cards.\n\n8 OTHER TERMS THAT APPLY TO YOUR ACCOUNT\n8.1 Changes to this Agreement\nWe may change this Agreement from time to time and for any reason, except as prohibited by applicable law. We may change fees, the annual\npercentage rates, whether the annual percentage rates are fixed or variable and other items. We will notify you of changes, if required by\napplicable law. Unless otherwise noted, we will send notices to the primary address we have in our records. If you have opted for us to provide\nnotices electronically, we will not have any obligation to send such notices to your postal address.\nIn some cases, you may have the right to reject a change. We will tell you when you have that right and how and by what date and time you\nmust notify us that you reject the change. If you don\xe2\x80\x99t reject a change in the required manner and time period, you will be deemed to have\naccepted the changes in the notice and to have accepted and confirmed all terms of your Agreement.\n8.2 Law that applies to this Agreement\nThe provisions of this Agreement will be governed by (i) federal laws and regulations and (ii) the laws of Delaware to the extent Delaware laws\nare not preempted by federal laws or regulations and without regard to conflict of law principles. If a court decides not to enforce a part of this\nAgreement, this Agreement will then read as if the unenforceable or invalid part were not there. All provisions in this Agreement are subject to\nany restrictions under applicable law.\nFor Maryland residents, only to the extent federal law and the laws of the State of Delaware do not apply, this Agreement is governed by Title\n12, Subtitle 9 of the Maryland Commercial Law Article.\n8.3 No waiver of rights/Oral agreements\nWe will not lose any of our rights under this Agreement or otherwise even if we:\n\xe2\x80\xa2 Delay taking action for any reason;\n\xe2\x80\xa2 Take actions not listed in this Agreement;\n\xe2\x80\xa2 Accept late payments or partial payments; or\n\xe2\x80\xa2 Accept any payment marked with the words \xe2\x80\x9cPaid in Full\xe2\x80\x9d or similar language that is sent to an address other than the address\nprovided in the \xe2\x80\x9cConditional Payments\xe2\x80\x9d section of your Statement.\nIf there is a conflict between this Agreement and something said by an employee or officer of PNC Bank, this Agreement will be followed.\n8.4 Transferring your Account\nWe may transfer your Account and our rights under this Agreement to another person or company. That person or company will take our place\nin this Agreement. You must pay that person or company the amount you owe us on your Account (instead of paying us) if you are asked to do\nso. You may not transfer your Account or your rights under this Agreement to any person or company.\n8.5 Security interest\nThis Agreement does not give us a security interest in any of your property. We have no security interest for the Account, even if other\nagreements we have with you say that we do.\n8.6 Jury trial waiver\nNOTE: If we have determined that you are a \xe2\x80\x9ccovered borrower,\xe2\x80\x9d as that term is defined under the Military Lending Act regulation,\n32 CFR Part 232 (meaning, generally, if you are active military or a dependent of active military at the time your Account is\nopened), the following Jury Trial Waiver provision does not apply to your Account even if, at the time of a later dispute between\nus, you are no longer a covered borrower.\nFor any dispute that is not arbitrated, you and we knowingly, willingly and voluntarily waive any right to a trial by jury in the event\nof a litigation rising from this Agreement.\n8.7 Important information about phone calls, texts, prerecorded and email messages and faxes\nNote: When we use the term \xe2\x80\x9cPNC\xe2\x80\x9c in this Section 8.7, we mean PNC Bank, its affiliates and designees.\nBy providing telephone number(s) to us now or at any later time, you authorize PNC to contact you at those numbers regarding any of your\nPNC accounts. You also consent to PNC using any means to call you at those numbers, including by\n- placing calls using an automated dialing system to a cell, VoIP or other wireless phone number; and\n- sending prerecorded messages or text messages to those numbers in order to service and collect on your PNC accounts, but not to market\nto you even if you may be charged for the calls or text messages.\nYou also consent to PNC:\n- monitoring or recording any phone call with you;\n- contacting you by email or any other form of electronic communication and/or by fax in accordance with applicable law; and\n- using third parties to contact you by phone, email, other electronic communication or by fax to the same extent as though PNC were making\nthose contacts itself.\n\n\x0c8.8 Credit reporting\nWe may report information about your Account to credit bureaus. Late payments, missed payments or other defaults on your\nAccount may be reflected in your credit report. If you believe that we have information about you that is inaccurate or that we have\nreported information about you that is inaccurate, please write to us as soon as possible at the Customer Service address that is shown on\nyour monthly Statement. Please be sure to tell us which account, what information you believe is inaccurate, why it is inaccurate, and provide\nany supporting documentation, including a copy of your credit report if you have it. Please include your Account number on your\ncorrespondence.\n8.9 SPECIAL NOTICES \xe2\x80\x93 THE FOLLOWING NOTICES ARE GIVEN BY US ONLY TO THE EXTENT NOT INCONSISTENT WITH 12\nU.S.C. SECTION 85 AND APPLICABLE FEDERAL REGULATIONS AND OPINIONS AND THE CHOICE OF LAW PROVISION SET\nFORTH HEREIN (WITH RESPECT TO WHICH WE EXPRESSLY RESERVE ALL RIGHTS).\n\nIF YOU RESIDE IN MISSOURI: Oral agreements or commitments to loan money, extend credit or\nforbear from enforcing repayment of debt including promises to extend or renew such debt are\nnot enforceable. To protect you (borrower(s)) and us (creditor) from misunderstanding or\ndisappointment, any agreements we reach covering such matters are contained in this writing,\nwhich is the complete and exclusive statement of the agreement between us, except as we may\nlater agree in writing to modify it.\nIF YOU RESIDE IN OHIO: The Ohio laws against discrimination require that all creditors make credit equally available to all credit\nworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio\nCivil Rights Commission administers compliance with this law.\nIF YOU RESIDE IN TEXAS: THIS WRITTEN AGREEMENT REPRESENTS THE FINAL AGREEMENT BETWEEN THE PARTIES AND\nMAY NOT BE CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS OR SUBSEQUENT ORAL AGREEMENTS OF THE\nPARTIES. THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE PARTIES.\n8.10 Verifying your information\nYou agree that, in order to service and maintain your Account, we may obtain information about you, including your employment and income\ninformation, from other creditors, credit reporting agencies, employers and other third parties, including through records maintained by\nfederal and state agencies.\n\n9 ARBITRATION PROVISION\nNOTE: If we have determined that you are a \xe2\x80\x9ccovered borrower,\xe2\x80\x9d as that term is defined under the Military Lending Act regulation,\n32 CFR Part 232 (meaning, generally, if you are active military or a dependent of active military at the time your Account is\nopened), the following arbitration provision does not apply to your Account even if, at the time of a later dispute between us, you\nare no longer a covered borrower.\nREAD THIS ARBITRATION PROVISION CAREFULLY: IT WILL IMPACT HOW LEGAL CLAIMS YOU AND WE HAVE AGAINST EACH\nOTHER ARE RESOLVED.\nUnder the terms of this Arbitration Provision, and except as set forth below, Claims (as defined below) will be resolved by individual (and not\nclass-wide) binding arbitration in accordance with the terms specified herein, if you or we elect it.\n9.1 Your right to Opt Out; Effect of Arbitration\nYOUR RIGHT TO OPT OUT; EFFECT OF ARBITRATION. This Arbitration Provision will apply unless you opt out by providing proper\nand timely notice described in section 9.6 under \xe2\x80\x9cRight to Opt Out.\xe2\x80\x9d\nIf a Claim is arbitrated, neither you nor we will have the right to: (1) have a court or jury decide the Claim; (2) engage in information\ngathering (discovery) to the same extent as in court; (3) participate in a class action, private attorney general or other representative\naction in court or in arbitration; or (4) join or consolidate a Claim with those of any other person.\nThis Arbitration Provision will survive the termination of this Agreement. See further details below.\n9.2 Definitions\n\xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cUs\xe2\x80\x9d and \xe2\x80\x9cOur.\xe2\x80\x9d Solely as used in this Arbitration Provision, the terms \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d also refer to (1) our employees, officers,\ndirectors, parents, controlling persons, subsidiaries, affiliates, predecessors, acquired entities, successors and assigns; and (2) any failed bank to\nthe extent of the assets acquired by us or our affiliates.\n\xe2\x80\x9cClaim.\xe2\x80\x9d\nA \xe2\x80\x9cClaim\xe2\x80\x9d subject to arbitration is any demand, cause of action, complaint, claim, asserted right, or request for monetary or equitable relief,\nwhether past, present or future, and based upon any legal theory, including contract, tort, consumer protection law, fraud, statute, regulation,\nordinance, or common law, which arises out of or relates to this Agreement, your Account, the events leading up to your becoming an Account\nholder (for example, advertisements or promotions), any feature or service provided in connection with your Account or any transaction\nconducted with us related to your Account.\nNotwithstanding the foregoing, the term \xe2\x80\x9cClaim\xe2\x80\x9d excludes: (a) any dispute or controversy about the validity, enforceability, coverage or scope of\nthis Arbitration Provision or any part thereof, including the Class Action Waiver in section 9.4 (a court will decide such disputes or controversies);\nand (b) any individual action brought by either party in small claims court or your state\xe2\x80\x99s equivalent court, unless such action is transferred,\nremoved or appealed to a different court.\n\n\x0c9.3 Arbitration Procedures\n9.3.1 Agreement to Arbitrate Claims\nExcept if you opt out as provided below, you and we may elect to arbitrate any Claim.\n9.3.2 Electing arbitration\nIf you or we elect to arbitrate a Claim, the party electing arbitration must notify the other party in writing (the \xe2\x80\x9cNotice\xe2\x80\x9d). Your Notice to us shall be\nsent to PNC Bank, N.A., Legal Department, 300 Fifth Avenue, Mailstop: PT-PTWR-19-1, Pittsburgh, PA 15222, Attn: Notice of Arbitration (the\n\xe2\x80\x9cNotice Address\xe2\x80\x9d). Our Notice to you shall be sent to the most recent primary address we have for you in our records. Any arbitration hearing that\nyou attend will take place in a venue in the county where you reside unless you and we agree otherwise. If a party files a lawsuit in court\nasserting a Claim and the other party elects arbitration, such Notice may be asserted in papers filed in the lawsuit (for example, a motion by the\ndefendant to compel arbitration of Claims asserted by the plaintiff in a lawsuit filed in court). In the event that a court grants a motion to compel\narbitration, either party may commence the arbitration proceeding in accordance with the rules and procedures of the arbitration administrator\nspecified in this section.\n9.3.3 Arbitration costs\nWe will pay the filing, administrative and/or arbitrator\xe2\x80\x99s fees (\xe2\x80\x9cArbitration Fees\xe2\x80\x9d) that we are required to pay pursuant to the administrator\xe2\x80\x99s rules\nor the law. In addition, with respect to Arbitration Fees that you are required to pay under the administrator\xe2\x80\x99s rules in connection with an individual\narbitration you have commenced against us, (i) if the amount of your Claim does not exceed $75,000 and we receive a written request by you at\nthe Notice Address, we will pay or reimburse you for your payment of said Arbitration Fees; (ii) if the amount of your Claim exceeds $75,000 and\nwe receive a written request by you at the Notice Address, we will consider paying said Arbitration Fees if you are unable to pay them and\ncannot obtain a waiver or reduction of them from the arbitration administrator.\n9.3.4 Arbitration administrator and rules\nThe party electing arbitration must choose between one of two administrators: (1) the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d), or (2) JAMS. The\nadministrator chosen will apply its rules and/or codes of procedures in effect at the time arbitration is elected. You may obtain a copy of the\nrules/codes, and more information about initiating an arbitration, by (1) contacting AAA at 1\xe2\x80\x93800\xe2\x80\x93778\xe2\x80\x937879 or visiting www.adr.org, or (2)\ncontacting JAMS at 1\xe2\x80\x93800\xe2\x80\x93352\xe2\x80\x935267 or visiting www.jamsadr.com. The arbitrator is bound by the terms of this Agreement. If neither AAA nor\nJAMS can serve, the parties may agree on another administrator, or a court may appoint one.\n9.3.5 What law the arbitrator will apply\nThe arbitrator will not be bound by judicial rules of procedure and evidence that would apply in a court, or by state or local laws that relate to\narbitration proceedings. However, the arbitrator will apply the same statutes of limitation and privileges that a court would apply if the matter were\npending in court. In determining liability or awarding damages or other relief, the arbitrator will follow the applicable substantive law, consistent\nwith the Federal Arbitration Act (FAA), that would apply if the matter had been brought in court.\n9.3.6 The arbitrator\xe2\x80\x99s decision and award; attorney fees\nAt the timely request of either party, the arbitrator shall provide a brief written explanation of the grounds for the decision. The arbitrator may\naward any damages or other relief or remedies that would apply under applicable law, as limited in paragraph 9.3.5 above, to an individual action\nbrought in court. In addition, with respect to claims asserted by you in an individual arbitration, we will pay your reasonable attorney, witness and\nexpert fees and costs if and to the extent you prevail, or if applicable law requires us to do so.\n9.3.7 Effect of arbitration award; appeal\nThe arbitrator\xe2\x80\x99s award shall be final and binding on all parties, except for any right of appeal provided by the Federal Arbitration Act. This\nAgreement evidences a transaction in interstate commerce, and thus the Federal Arbitration Act governs the interpretation and enforcement of\nthis Arbitration Provision.\n9.4 CLASS ACTION WAIVER\nIf either you or we elect to arbitrate a Claim, neither you nor we will have the right: (a) to participate in a class action, private attorney\ngeneral action or other representative action in court or in arbitration, either as a class representative or class member; or (b) to join\nor consolidate Claims with claims of any other persons. No arbitrator shall have authority to conduct any arbitration in violation of\nthis provision or to issue any relief that applies to any person or entity other than you and/or us individually. The parties acknowledge\nthat the Class Action Waiver is material and essential to the arbitration of any Claims and is non-severable from this Arbitration\nProvision. If the Class Action Waiver is voided, found unenforceable, or limited with respect to any Claim for which you seek\nclass-wide relief, then the parties\xe2\x80\x99 Arbitration Provision (except for this sentence) shall be null and void with respect to such Claim,\nsubject to the right to appeal the limitation or invalidation of the Class Action Waiver. However, the Arbitration Provision shall remain\nvalid with respect to all other Claims. The parties acknowledge and agree that under no circumstances will a class action be\narbitrated.\n9.5 Conflicts; Severability; Survival\nThis Arbitration Provision is intended to be broadly interpreted. In the event of a conflict between the provisions of this Arbitration Provision and\nthe AAA or JAMS rules, or any other terms of the Agreement, the provisions of this Arbitration Provision shall control. If any part of this Arbitration\nProvision is deemed or found to be unenforceable for any reason, the remainder shall be enforceable, except as provided by the Class Action\nWaiver. This Arbitration Provision shall survive (1) the closing of your Account and the termination of any relationship between us, including the\ntermination of the Agreement, and (2) survive any bankruptcy to the extent consistent with applicable bankruptcy law.\n9.6 RIGHT TO OPT OUT\nYou may opt out of this Arbitration Provision by calling us toll free at 1\xe2\x80\x93800\xe2\x80\x93537\xe2\x80\x937374, or by sending us a written notice which\nincludes your name(s), Account number, and a statement that you (both or all of you, if more than one) do not wish to be governed by\n\n\x0cthe Arbitration Provision in your Account Agreement (the \xe2\x80\x9cOpt Out Notice\xe2\x80\x9d). To be effective, your written Opt Out Notice must be sent\nto us by first class mail or certified mail, return receipt requested, at PNC Bank, P.O. Box 3429, Pittsburgh, PA 15230-3429, Attn:\nArbitration Opt Out.\nWe must receive your telephone call or written notice within forty-five (45) days after we open your Account. Your decision to opt out\nwill not affect any other provision of this Agreement.\n\nYour billing rights: keep this document for future use.\nThis section tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat to do if you find a mistake on your Statement\nIf you think there is an error on your Statement, write to us at: PNC Bank, N.A. P.O. Box 3429 Pittsburgh, PA 15230-3429\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and Account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your Statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do, we are not required to investigate any potential errors, and\nyou may have to pay the amount in question.\nWhat will happen after we receive your letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the\nerror.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your Statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send\nyou a Statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we\nthink you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you\ndo so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to\nwhom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.\nYour rights if you are dissatisfied with your credit card purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card and you have tried in good faith to correct the\nproblem with the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must\nhave been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we\nown the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses\nyour credit card Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at\nPNC Bank, N.A.\nP.O. Box 3429\nPittsburgh, PA 15230-3429\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\n\x0c'