Your Home Equity Line of Credit
draw period is ending soon.

How can I obtain my current account balance or a copy of my contract? Please call 1-888-PNC-BANK (1-888-762-2265). Your reference code is: MATH
How was the draw period ending date determined? The end of the draw period in this email may be the same date as the draw period’s ending date in your contract or a few days later. If the date is later, all other terms in your contract and in the mortgage or deed of trust remain the same.
Where do I find any differences between the minimum monthly payment during the draw and repayment periods? Your contract explains how the minimum monthly payment during the repayment period is determined. Your minimum monthly payment will likely increase and the interest rate may change (other than for any fixed-rate-option balances).
For example, if you made interest-only payments during the draw period, you will be required to make payments of the outstanding principal and charges as well as interest during repayment. If so, you may want to start paying down principal now. We are available to answer any questions you may have about your repayment period payment.
How does the end of the draw period affect any fixed-rate-option balance(s)? If your account is not paid off or refinanced into a PNC product and you have any fixed-rate-option balance(s), you will continue to make the scheduled payments on those balance(s) until they are paid in full.
What happens to the credit insurance or Line of Credit Protection Plan (“Plan”) I purchased? If you currently have credit insurance or the Plan, the credit insurance or Plan will terminate when the draw period ends. If your account is refinanced, credit insurance or the Plan is not available under the PNC Home Equity Line of Credit. If your account goes into repayment, the credit insurance or Plan will not cover balances during the repayment period.
I have an automated payment set up to pay my account's billed payment each month, but my draw period is ending and my account is going into repayment. How will the end of the draw period affect these arrangements? If your payment is deducted from your checking or savings account each month and you are enrolled in the Automated Payment Program, your new payment amount will automatically be deducted from your account.
I have an online recurring payment or an automated payment set up to pay my account's billed payment each month, but my draw period is ending and my balance will be due in full. How will the end of the draw period affect these arrangements? After the draw period ends, you will be billed the full revolving or variable-rate balance, including any fixed-rate-option payments(s).

• If you have a recurring payment set up in PNC's Online Banking, please be sure to update your payment instructions. Unless you have made the appropriate payment arrangements and have funds available in your account once the draw period ends, you could fail to make the required payment or overdraw your deposit account.
• If you have an automated payment arrangement on your account, the automated payment will be cancelled when the draw period ends and you will need to make other arrangements to your payment.
  

What information does PNC need to determine if I meet the qualifications to refinance? In order to determine if you meet the Bank’s lending standards to refinance into a new PNC Home Equity Line of Credit or other home loan product, we will need to obtain current information about your credit standing, including income verification and collateral information (including its value). Information checklist for a home equity line of credit application:
• Information about your property: purchase date and price, approximate market value, first mortgage balance and monthly payment.
• Each borrower’s annual income and any other income to be considered. What happens if my account is not refinanced and has a zero balance when the draw period ends? If your account is not refinanced at PNC Bank and has a zero balance at the close of business on the date the draw period ends, we will close the account and process a release of the mortgage or deed of trust securing the account.