Annual Fee: The annual fee is $75. There is no annual fee for Texas accounts.

Title Insurance: You must pay certain fees and charges to third parties to open your Account. We will pay some other fees and charges for you. Title insurance may be required for credit lines of $500,000 or more and for credit lines of lesser amounts depending on a number of factors, including the manner in which the property was acquired. If title insurance is required, fees may range between $450 and $19,493.25.

Origination Fees: Unless you are eligible for the origination fee waiver offer, you will be charged an Origination Fee if your property is located in any state other than Texas. There is no Origination Fee for property located in Texas. The Origination Fee will be based on the approved maximum credit limit as follows: For approved lines of credit up to $149,999.99, the Origination Fee will be $299; for approved lines of credit of $150,000.00 to $499,999.99, the Origination Fee will be $399; for approved lines of credit of $500,000.00 to $749,999.99, the Origination Fee will be $499; and for approved lines of credit of $750,000.00 or more, the Origination Fee will be $599.

Recordation Tax: Customers with collateral in New York and Georgia are responsible for paying all state specific city/county recordation taxes. These taxes are a percentage of the Credit Limit approved by the lender and accepted by the customer. Your taxes for New York could range from $20.50 - $21.75 per $1,000 of your credit limit within New York City or $7.50 - $12.50 per $1,000 of your credit limit outside of New York City. Your taxes for Georgia are $3.00 per $1,000 of your credit limit. PNC Bank (Lender) will withdraw the total tax amount from your Credit Limit to pay the taxes on your behalf and set up a 0.00% interest segment for the full amount of the taxes paid on your account. You will then pay 1/36th of the total amount over 36 months as part of your minimum monthly payment due. This segment will reduce the Credit Limit by the amount of taxes paid. For example, based on a line amount of $100,000, then based on New York City tax, your estimated total tax would be between $2,050 and $2,175. Your estimated monthly tax segment payment, which is 1/36th of the total tax amount, would be between $56.94 and $60.42, respectively.

Reimbursable Fees: PNC Bank will pay certain closing costs including, as applicable, certain state transfer taxes and fees on your behalf. If you pay off and close your line of credit within the first 36 months, you will be required to reimburse us for those closing costs. There are no reimbursable fees for Texas accounts.

Transfer Fee: There is no fee for a Fixed-Rate Part established at the time of account opening. A $100 transfer fee is charged each time you establish a Fixed-Rate Part after account opening.