Important Information About the PNC points^® Credit Card Reward Program
The following is a summary of the PNC points reward program. For more details, please refer to the full terms and conditions for the reward program.

Summary of the Current PNC points Program
The following is a summary of the PNC points reward program referenced on the front of this offer. Full reward program terms and conditions will be sent with your credit card and are aSummary of the Current PNC points Program
The following is a summary of the PNC points reward program referenced on the front of this offer. 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 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, you have:

• 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 Free Checking, 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 Free Checking, Standard Checking, Performance Select Checking, savings, certificates of deposit, 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;

OR

• 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 Free Checking, Standard Checking, Performance Checking, savings, certificates of deposit, 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;

OR

• a Virtual Wallet and you have maintained (1) an average monthly balance of $500 or more in your Spend and/or Reserve; (2) have a qualifying aggregate monthly direct deposit of $500 or more into your Spend account; (3) use only ATM, online banking, mobile banking or other self-serve electronic methods to make withdrawals or deposits; or (4) provide proof of active enrollment in a qualifying educational institution (proof of active enrollment in a qualifying educational institution only has to be provided once, subject to our right to request verification as we deem necessary), 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;

OR

• a PNC Qualifying Deposit Account, other than Virtual Wallet that did not qualify for Bonus Points of 50% or 75% of the total of all Base Points earned in your points account during the billing cycle for your points Card, 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.

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."

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.

vailable 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 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, you have:

• 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 Free Checking, 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 Free Checking, Standard Checking, Performance Select Checking, savings, certificates of deposit, 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;

OR

• 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 Free Checking, Standard Checking, Performance Checking, savings, certificates of deposit, 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;

OR

• a Virtual Wallet and you have maintained (1) an average monthly balance of $500 or more in your Spend and/or Reserve; (2) have a qualifying aggregate monthly direct deposit of $500 or more into your Spend account; (3) use only ATM, online banking, mobile banking or other self-serve electronic methods to make withdrawals or deposits; or (4) provide proof of active enrollment in a qualifying educational institution (proof of active enrollment in a qualifying educational institution only has to be provided once, subject to our right to request verification as we deem necessary), 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;

OR

• a PNC Qualifying Deposit Account, other than Virtual Wallet that did not qualify for Bonus Points of 50% or 75% of the total of all Base Points earned in your points account during the billing cycle for your points Card, 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.

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."

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. Visit the Interest Rate Center on pnc.com, or any PNC Bank branch or call 1-877-CallPNC (225-5762) to obtain APY information in your market.