“What You Need To Know” - PNC Financial Services

1 Effective February 25, 2018 2018 The PNC Financial Services Group, Inc. All rightsreserved. PNC Bank, National Association. Member FDICRDAOPC01-0218 PNC Virtual WalletFINE PRINT"What You Need To Know"RDAOPC01-0218page 2 of 30 TABLE OF CONTENTSACCOUNT AGREEMENT FOR YOURVIRTUAL YOUR your your Debit account servicing to your and sure your deposit makes it safely to the your your debit funds and payment between joint account of an account your account becomes we need to reclaim negative information to credit bureaus.

2 Disputing reported your your WE DO BEHIND THE your written notice before withdrawing use of check images and substitute created personal information; Call recording;Consent for service AND EFFECTIVENESS OFTHIS written for other of PAYMENT AND Right to Opt Out; Effect of Arbitration Action ; Severability; to Opt CHECK POLICY is a substitute check?..15 What are my rights regarding substitute checks?..15 How do I make a claim for a refund?..15 CONSUMER FUNDS AVAILABILITY Our Funds Availability Availability of a $100 of Your Day Day Dollar Rules for New Account Delays May at Non-PNC Bank of a ELECTRONIC FUNDSTRANSFER DISCLOSURE Electronic Banking of your rights and of types of available transactions andlimits on of charges for automated tellermachine of right to receive documentation of charges for transfers or right tomake of right to stop payment onpreauthorized of right to receive notice of of Bank s liability for failure to of

3 Account information to third case of errors or questions about yourElectronic to notify us in case of errors or questionsabout your Electronic PROTECTION NOTICE: WHAT DOES PNC DOWITH YOUR PERSONAL INFORMATION?..29 RDAOPC01-0218page 3 of 30 ACCOUNT AGREEMENT FOR YOUR VIRTUAL WALLETThis Agreement defines the relationship between you (the account holder) and us (PNC Bank). We think it will help youunderstand your account better and provide insight into procedures at PNC that impact your agreement covers your Virtual Wallet, which is comprised of 3 accounts working together: Your Spend account for Virtual Wallet is a non-interest-bearing checking account.

4 Your Spend account for VirtualWallet with Performance Spend or Virtual Wallet with Performance Select is an interest-bearing checking account. Your Reserve account is an interest-bearing checking account used for short-term savings goals. Your Growth account is a savings account which earns interest and can be used for longer-term savings consumer accounts are for your personal, family or household use don t need to sign this agreement. When you sign the signature card, electronically acknowledge your agreementto the terms and conditions of the agreements provided on the Terms and Conditions page of the online accountapplication, use your account(s) or add/change Services connected to your account, you are agreeing to the terms andconditions in this agreement.

5 You are also agreeing to comply with all local, state and federal laws, rules and regulations,as amended from time to time, including without limitation the Bank Secrecy Act, the USA PATRIOT Act, the federalanti-money laundering statutes and any laws or regulations that are enforced or administered by the TreasuryDepartment s Office of Foreign Assets Control (OFAC).This contract is legally binding, so we recommend that you read this agreement and keep it for reference. The terms ofthis agreement will take precedence over any statement, spoken or written, made by a PNC employee or you appoint a legal representative or an attorney-in-fact (for example, if you give someone power of attorney), thatperson will also be bound by this READ CAREFULLY THE ARBITRATION PROVISION LOCATED ON PAGES 13 & should also review the following documents that relate to your account(s).

6 Virtual Wallet, Virtual Wallet with Performance Spend or Virtual Wallet with Performance Select Features and Fees Consumer Funds Availability Policy Substitute Check Policy Disclosure Consumer Electronic Funds Transfer Disclosure Statement Overdraft Protection Agreement PNC Privacy Notice, What Does PNC Do With Your Personal Information? ABOUT YOUR ACCOUNTP rotecting your accountYou are responsible for keeping track of yourtransactions. You must protect your checks, debit cardand PIN, and you must notify us if any of these itemsare lost or us immediately if you notice any irregularitiesin your account.

7 We will investigate the situation. Ifnecessary, we may require you to transfer the balanceto another account or close the account, depending onthe are responsible for providing us with true, accurateand complete contact information, including a validaddress (postal or email). If you change your address,please notify us promptly by postal mail, electronicmail, in person, by phone or through Online Banking. Ifyou change your electronic contact information, pleaseupdate through Online Banking. We will deliver noticesand other materials using the contact information youhave specified.

8 We are not responsible for investigatingwhether or not you have changed contact a notice is returned to us as undeliverable, by emailor postal mail, we can stop sending notices until youprovide us a valid your Debit CardYour PIN serves as an electronic version of yoursignature, and has the same legal effect, so keep it safe. Do not tell your PIN to anyone else. Do not write your PIN on your card. Do not keep a copy of your PIN with your you give your debit card and PIN to anyone, you willbe responsible for their the bank immediately if your debit card is lost orstolen, or if you have problems with your the Consumer Electronic Funds TransferDisclosure Statement, which further describes yourrights and liabilities regarding your card and your 4 of 30 Your statementYou can check your balance and track your transactionsonline as soon as we process your deposits,withdrawals and will also mail or post ( deliver )

9 A monthly statementof your Account that lists all account activity. We willdo this: (1) by mailing the statement, in paper form, tothe last postal address which you have specified foryour Account; or (2) if you have opted to receive onlinestatements in electronic form, by posting the statementin PDF form on PNC s secure Online Banking web site.(For more information about online statements, pleaseconsult PNC s Online Banking Service Agreement).Review your statement carefully. If you notice aproblem, such as an unauthorized payment or someother irregularity, you must notify us within 30 days ofthe day we delivered you the first statement that showsthe irregularity.

10 If you don t notify us in time, we will notbe liable for charges to your your Spend and Reserve accounts, we will delivera statement each month. Statements for your Growthaccount will be updated monthly if there are electronicfund transfers; otherwise, they will be deliveredquarterly. We may deliver statements less frequentlyif your account is inactive. Your account is consideredinactive if you don t make any withdrawals or depositsfor six or more account servicing documentsWe will mail or post ( deliver ) account servicingcommunications ( documents ) that provide informationon certain account activity or other servicing will do this: (1) by posting the document in PDFform on PNC s secure Online Banking website if thecommunication is available to be delivered throughOnline Banking.