Answers to questions that you have about the PNC TotalRewards Program are available on PNC.com/TotalRewards, in Online and Mobile Banking, by calling 1-888-PNC-BANK (1-888-762-2265) or visiting your local branch.

Once enrolled, you will keep your Select Tier and Program benefits for at least a year if you maintain a Qualifying Checking account. Annually, on your enrollment anniversary, we will evaluate your 90-calendar-day Average Eligible Balance to determine if you meet the requirements for your current Select Tier. If you don’t, you’ll be notified, and we will give you a 3-calendar-month grace period to increase your Average Eligible Balance to meet the requirements. At the end of the three-month period, if you still don’t meet the Average Eligible Balance requirement, we will place you in a new tier or unenroll you from the Program and notify you of the change.

Select Tier members could enjoy great Program benefits like:

• A Savings Boost on the standard interest rate for eligible consumer savings and money market accounts. Your savings works harder for you with this added boost.
• Up to $5,000 cash bonus on newly established eligible managed PNC Wealth Management accounts.
• A quarterly credit card rewards bonus. Earn extra rewards on select PNC credit cards.
• 0.025% quarterly cash rewards on the average daily principal loan balance on existing and new PNC auto loans.

You can reach a higher Select Tier when you increase your Average Eligible Balance to meet the requirements of the Tier: $100,000 for the Gold Tier and $500,000 for the Platinum Tier.

The PNC TotalRewards Overview page in Online and Mobile Banking is your one-stop-shop for information on the Program benefits you’re entitled to and the rewards you’ve earned as both a PNC client and a TotalRewards member. This page is available to all PNC Consumer clients, even if they are not enrolled in the PNC TotalRewards Program.

You can learn more about the Program benefits that are available to you when you visit PNC.com/TotalRewards. For information on which Program benefits you are currently earning based on the accounts you own, view your Rewards Overview in Online and Mobile Banking, review your account statement for rewards transactions, call 1-888-PNC-BANK (1-888-762-2265), or visit your local branch.

For Deposits, credit cards, and PNC Wealth Management Accounts:

If there are multiple owners on an account and the owners are in different Select Tiers, the Program benefits for the highest Select Tier will be applied to the account.

For auto loans and home lending accounts:

If there are multiple borrowers on the lending account and the borrowers are in different Select Tiers, the Program benefits for the highest Select Tier will be applied to the account and the Program benefit will be paid to the Designated Account of the borrower with the highest Select Tier. If all borrowers are in the same tier, the benefit will be paid to the Designated Account of the borrower listed first on the loan account statement.

• Most fee benefits are reimbursed the business day after the fee posts to your account
• ATM fee benefits, Savings benefits, and PNC Wealth Management Sweep Rate Boost are issued at the end of your statement cycle
• Auto loan, CHELOC, and select credit card rewards are issued quarterly
• PNC Wealth Management Annual Service Fee Waiver is applied annually
• Mortgage benefits are issued 90-calendar-days after loan funding + 1 business day
• PNC Wealth Management Cash Bonus for new eligible managed accounts is credited within 120 days of qualifying net deposit confirmation (applies only to Gold and Platinum Tiers)

• Select PNC consumer checking products
• Select PNC consumer savings products
• Existing and new PNC auto loans
• Existing and new PNC CHELOC
• New PNC-originated consumer purchase or refinanced mortgages
• Select credit card products
• New PNC Wealth Management managed accounts

For more details on products eligible for rewards, including additional eligibility requirements, see Program Terms and Conditions.

Eligible auto loans, CHELOCs, and mortgages provide a cash benefit that is deposited into a PNC checking, savings, or money market account. When you select a Designated Account for cash rewards benefit delivery, you are choosing where this cash will be deposited either now or in the future.

If you are a co-borrower on one of these accounts, the benefit will be deposited into the designated account of the borrower with the highest Select Tier, or if the Select Tier is the same, the borrower named first on the loan account.

We evaluate your overall Program eligibility at two different intervals:

• We check monthly to confirm that you maintain a Qualifying Checking account.
• Annually, on your PNC TotalRewards Program anniversary, we check to determine if you meet the 90-calendar-day Average Eligible Balance or maintain your status as a PNC employee or PNC Military Banking client.

If you’re no longer eligible for the Program, you’ll enter a 3-calendar-month grace period. At the end of the grace period, if you still fail to meet the requirements, you will be moved out of the Select Tier and unenrolled from the Program. If you were unenrolled because of your 90-calendar-day Average Eligible Balance, we will continue to monitor and will move you back into the Select Tier of the Program automatically once you meet the balance requirement (and if you still have a Qualifying Checking account).

Please refer to the Program Terms and Conditions for full eligibility requirements for all product benefits, including the good standing criteria for lending benefits.

Good Standing is your status when you meet product-specific requirements and signal that you have complied with all necessary conditions. When applied to specific products, Good Standing is defined as:

Home Equity Line of Credit: To be in good standing, the account must not be revoked, greater than 60 days past due, charged off, or in bankruptcy status.

Auto: To be in good standing, the account must not be greater than 60 days past due, charged off, voluntarily or involuntarily repossessed, or in bankruptcy status.

Credit Card: To be in good standing, the account must not be revoked, greater than 60 days past due, charged off, or in bankruptcy status.