PLEASE READ THE FOLLOWING TERMS AND CONDITIONS CAREFULLY.

THEY GOVERN YOUR ACCESS AND USE OF THIS WEBSITE (THE "WEBSITE"). BY ACCESSING OR USING THE WEBSITE, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS AND THE Privacy Policy • Complaint Handling – AND ACCEPT THEM IN FULL, AS THEY MAY BE MODIFIED, ALTERED AND/OR CHANGED BY PNC BANK (for purposes of these terms and conditions the term "PNC Bank" includes PNC Bank's affiliates, related, successor, parent and subsidiary entities, assignees and agents as applicable) FROM TIME-TO-TIME WITHOUT PRIOR NOTICE AND POSTED ON THE WEBSITE.

Your continued use of the Website following any modifications, changes, or alterations shall constitute your acceptance of these Terms and Conditions with such modifications, changes, or alterations.

No Warranties. Although PNC Bank attempts to provide accurate information, names, images, graphics, trade-marks, pictures, logos, text, icons, documents and materials (collectively, the "Contents") on the Website, it makes no representation, endorsement, or warranty that such Contents are accurate or suitable for any particular purpose. THE WEBSITE AND ITS CONTENTS ARE PROVIDED ON AN "AS IS" BASIS AND "AS AVAILABLE". USE OF THE WEBSITE AND ITS CONTENTS IS AT THE USER'S SOLE RISK. THE WEBSITE AND ITS CONTENTS ARE PROVIDED WITHOUT ANY REPRESENTATIONS, ENDORSEMENTS, OR WARRANTIES OF ANY KIND WHATSOEVER, EITHER EXPRESS OR IMPLIED, OR ARISING BY STATUTE, USAGE, CUSTOM OR OTHERWISE INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF TITLE OR ACCURACY AND ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT, WITH THE SOLE EXCEPTION OF WARRANTIES (IF ANY) WHICH CANNOT BE EXPRESSLY EXCLUDED UNDER APPLICABLE LAW. AS NOTED BELOW, PNC BANK ALSO MAKES NO REPRESENTATIONS, ENDORSEMENTS, OR WARRANTIES, EITHER EXPRESS OR IMPLIED, WITH RESPECT TO ANY WEBSITE OPERATED BY A THIRD PARTY TO WHICH THE WEBSITE IS LINKED.

PNC BANK DOES NOT WARRANT THE CONTENTS, FUNCTIONS OR LINKS CONTAINED ON THE WEBSITE WILL MEET YOUR REQUIREMENTS OR THAT THE OPERATION OF THE WEBSITE OR ITS CONTENTS, WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES, WORMS, TROJAN HORSES, CANCELBOTS OR OTHER HARMFUL COMPONENTS. PNC BANK DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE CONTENTS ON THE WEBSITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. YOU (AND NOT PNC BANK) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION.

Limitation of Liability. IN NO EVENT INCLUDING, BUT NOT LIMITED TO NEGLIGENCE, WILL PNC BANK , ITS OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES BE LIABLE FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, COMPENSATORY OR PUNITIVE DAMAGES, WHETHER UNDER A CONTRACT, NEGLIGENCE, OTHER TORT OR ANY OTHER THEORY OF LIABILITY, ARISING IN CONNECTION WITH ANY PARTY'S USE OF THE WEBSITE OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, LINE SYSTEM FAILURE, LOSS OF DATA, OR LOSS OF USE RELATED TO THE WEBSITE OR ANY WEBSITE OPERATED BY ANY THIRD PARTY OR ANY CONTENTS OF THE WEBSITE OR ANY OTHER WEBSITE, EVEN IF PNC BANK IS AWARE OR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Indemnity of User. You agree to defend, indemnify, and hold harmless PNC Bank, its officers, directors and employees, from and against any claims, actions or demands, including without limitation reasonable legal and accounting fees, alleging or resulting from your use of the Contents contained on the Website or your breach of the terms of these Terms and Conditions.

Use of Website. The Contents are included in the Website solely for the personal use of Website users. You may not copy (other than a copy for personal use), modify, transmit, display, perform, reproduce, republish, upload, archive, transfer, sell, resell, republish or distribute in any way any of the Contents, in whole or in part, of the Website without the prior written consent of PNC Bank, which may be withheld in its sole discretion.

Copyrights and Other Intellectual Property. Except where otherwise expressly noted or as noted below, all Contents of the Website, including the collection, organization, arrangement, assembly of the Contents and overall appearance of the Website, are the sole and exclusive property of The PNC Financial Services Group, Inc., Pittsburgh, Pennsylvania. and/or its subsidiaries or affiliates. The posting of the Contents on the Website neither constitutes a waiver of any of PNC Bank's proprietary rights or any other party's proprietary rights, including but not limited to, copyrights, trademarks, servicemarks, patents, and other intellectual property, nor a transfer by implication, estoppel, or otherwise of any such rights or of any license to the Website user or to any third party. Contents of the Website are protected, without limitation, pursuant to Canadian, United States and international intellectual property laws, including copyright, trademark and other laws and regulations. You agree not to delete any copyright, trademark or similar notice from any Contents you obtain from the Website.

Links to Other Websites. The website may contain links to websites operated by third parties. PNC Bank has no control over any such other websites or the contents therein and as previously stated, does not make any representations regarding the content or accuracy of materials on such third party websites. The existence of any such links are provided solely as a convenience to you and shall not constitute an endorsement by PNC of such websites, the contents of the third party websites, or the operators of such websites

Available Only Where Permitted by Law. The products and services of PNC Bank, PNC Mortgage, LLC, PNC Investments, PNC Capital Markets and other PNC Bank affiliates are available only in the United States, Canada and other countries, where permitted by law.

Termination. This Agreement will terminate immediately without prior notice from PNC Bank, if in PNC Bank's sole discretion you fail to comply with any term or provision of these Terms and Conditions, or if you engage in conduct that is illegal, tortious or that interferes with the technological operation of the Website.

Governing law/venue. These Terms and Conditions shall be governed by and construed in accordance with the laws of the Province of Ontario, without regard to the conflict of laws thereof. Any action relating to these Terms and Conditions must be brought in Toronto, Ontario, Canada and you irrevocably consent to the exclusive jurisdiction of the Courts of Ontario, Canada.

Severability. To the extent any portion of these Terms and Conditions is determined to be unenforceable by a court of competent jurisdiction, such portion will be modified by the court solely to the extent necessary to cause such portion to be enforceable, and these Terms and Conditions, as so modified, shall remain in full force and effect.

Waiver. No waiver by PNC Bank of any right under or term or provision of these Terms and Conditions will be deemed a waiver of any other right, term, or provision of these Terms and Conditions at that time or a waiver of that or any other right, term, or provision of these Terms and Conditions at any other time.

Service Contact. You may contact PNC Bank by E-mail link to E-mail or by phone at 1-800-366-9208 or by mail to PNC Bank, USX Tower, 600 Grant Street, Mailstop: P6-PUSX-36-1, Pittsburgh, PA 15219, Attention: Web Site Customer Service with questions or problems with the Website.

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