PNC is the product of a merger of two distinguished Pennsylvania banks in 1983: Pittsburgh National Corporation and Provident National Corporation based in Philadelphia. Each of these institutions had served diverse markets, and had the same initials, so that merger created PNC – which doesn’t stand for anything but does have history behind the name.

PNC offers a variety of services in Spanish to help you manage your account:

• In-branch and phone support
• PNC.com
• PNC ATMs
• The PNC Mobile App
• Surveys
• Text Banking Services for account information: Text CMDO to 762265 for a list of commands.
• A dedicated customer service line: 1‑866‑HOLA‑PNC (465‑2762)
• Checking and Savings statements*
• Some security and product alerts*

*To receive these and future communications in Spanish, you must set your language preferences to Spanish on or after June 22, 2026.

Once Spanish is set as your preferred language (on or after June 22, 2026), PNC will communicate with you in Spanish whenever it’s available, including written communications and conversations with branch and care center employees. You’ll start receiving eligible communications in Spanish with your next communication cycle, and new Spanish communications will be added automatically as they become available.

Review the language support page for more information about language preferences and disclosures at pnc.com/languagepreferences.

Note: The fastest way to set your language preferences is to text ESP to 762265. You can also visit a PNC Branch (Spanish: https://locator.pnc.com/es/search) or call 1‑866‑HOLA‑PNC (465‑2762).

PNC offers additional language support to help meet your needs, including phone support in more than 240 languages through an interpretation service when a language‑certified employee is not available.

PNC ATMs available in 10 languages:

• English
• Chinese
• German
• Italian
• Japanese
• Korean
• Polish
• Portuguese
• Spanish
• Vietnamese

Product descriptions available in multiple languages on the PNC Language Support page.

·American Sign Language (ASL) interpretation is available for branch services when requested in advance.

PNC headquarters are in Pittsburgh, PA. You can find information about our ATM and branch locations by using our branch locator.

On June 22, 2026, you can continue to use 800-964-3444 to contact the PNC Customer Care Center:

• Monday – Friday, 8:00 am to midnight Eastern Time
• Saturday and Sunday, 8:00 am to 5:00 pm Eastern Time
• Fraud and Card Services are available 24/7

800-964-3444 will begin to route to the PNC Customer Care Center on Sunday evening, June 21, and will remain an active phone number for approximately 60 days.

Visit Accessible Banking on pnc.com for more information, but generally:

• Interpreter Services: We offer American Sign Language (ASL) interpreting options to best fit your needs.
• Statements and Card Products for People Who Are Blind/Low Vision: We provide statements as well as debit and credit cards in accessible formats.
• Telecommunication Relay Service: We accept calls made through relay services and will also use relay services to call you.

Yes. PNC Total Rewards is a loyalty program that offers interest rate boosts, bonuses, and more. To join, you’ll just need a qualifying PNC checking account. As your balances grow with PNC, your rewards grow with you too. And to welcome you, we’re waiving the usual balance requirement to enroll in the Silver Tier through the end of the year. Once enrolled, you’ll keep your Silver Tier status for at least a year. Learn more about PNC Total Rewards.

You may begin to use PNC branches and Call Centers for banking services on June 22, 2026.

Yes. As of January 7, 2026, FirstBank customers can use PNC’s 8,000+ owned ATMs with no surcharge. You can find a PNC-owned ATM by using our branch locator.

Note: PNC Partner ATMs are not owned by PNC and may charge a surcharge.

Your privacy and security remain a top priority. All personal information will continue to be protected under strict compliance standards and applicable privacy laws. You will receive the PNC Privacy Policy in your welcome packet which will be sent in May.

FirstBank accounts will be separately insured from any PNC Bank accounts for six months after June 18, 2026, when FirstBank will be merged into PNC Bank, National Association. Certificates of deposit will maintain separate insurance for six months after conversion, or until the next maturity date, whichever is later. CDs renewed during the six-month period with the same terms as the original CD will maintain separate insurance until the renewed CD’s maturity date.

If you are already enrolled in PNC Online and Mobile Banking, no. Just know that after the conversion, you’ll be able to manage your FirstBank accounts and PNC accounts using your PNC user ID and password.

If you are not enrolled in PNC Online or Mobile Banking, you can get started with enrollment using your current PNC account details.

During the weeks preceding the conversion, you will receive several communications from PNC and FirstBank. Most will be by mail, some by email, and if you have online or mobile banking, you may receive messages there. Take time to review these messages.

All communications will be directed to the primary accountholder. Secondary accountholders will not receive account-specific information.

Important: To be sure you don’t miss any messages, review your contact information at FirstBank and make any necessary adjustments. PNC will use the information you have provided to FirstBank to communicate with you.

In the FirstBank Mobile App:

• Log in to FirstBank's Mobile App.
• Open the main menu (three lines in the top right).
• Select Settings, then select Contact Info.
• Make your updates.

In FirstBank’s Online Banking:

• Log in to FirstBank's Online Banking.
• Hover over Online Banking in the main navigation bar.
• Select Contact Information.
• Make your updates.

Prior to June 22, 2026, FirstBank customer service representatives are available to assist you at 1-800-964-3444. If you have a dedicated banker at a FirstBank location, they can help too.

On or after June 22, 2026, you can visit pnc.com to view options on the Customer Service page.

Yes. We’ll honor the preferences you provided to FirstBank about sharing your personal information. Your privacy preferences, which include how we communicate with you for marketing purposes, will also remain in effect unless you tell us otherwise.

If you’d like to make a change to your privacy or information sharing preferences before your accounts transfer to PNC, contact FirstBank at 1-800-964-3444, before June 18, 2026.

On or after June 22, 2026, if you’d like to make a change to how PNC communicates with you for marketing purposes, contact us in one of the following ways:

• Call us: 1-888-PNC-BANK (1-888-762-2265)
• Mail us: PNC Bank – 00564 P7-PFSC-04-7 PO Box 339 Pittsburgh, PA 15230-9736 (Include your name, address, and specific instructions on how you’d like us to communicate to you for marketing purposes).
• Visit your local branch.

To limit sharing of your personal information among PNC companies or select other parties, call PNC’s dedicated customer privacy line on or after June 22, 2026, at 1-800-762-2118 and follow the prompts, or update via the PNC Mobile banking app (Select Profile and Settings, select Security, then Privacy Settings at bottom of screen.)

Learn more about our Privacy Policy.

Yes. After the conversion, your account number will change. PNC will mail detailed information to you within the 30 days of the conversion, mid to late May. If you are an online banking user, you may be provided with access to this information in April through FirstBank Online Banking or the FirstBank Mobile App.

Note: If you have a credit card, your account number will remain the same but the expiration date and CVV code on the new card you receive will be different.

Yes. The bank routing/transit number will change. The new bank routing/transit number will be noted in the detailed communication that you receive along with your new account number in May.

If you receive wires or international money transfers, let the originator know that your routing/transit number for domestic wire transfers (on or after June 22, 2026), is 043000096, and the SWIFT code for international wires is PNCCUS33.

This routing/transit number is for wires only and may differ from the routing/transit number associated with your new PNC account number.

For now, your accounts, services, and fee structures remain the same. Review the detailed information that you receive for each of your products which will include any important dates for any changes.

Our goal is to ensure customers understand their options and feel confident in the value of their banking relationship. More details about your accounts, services and fee structures will be provided in the May 2026 timeframe.

Yes. Any FirstBank checks outstanding at the time of the conversion will be processed as usual. You may also continue to use your FirstBank checks until you run out, or if you prefer, you are welcome to order new PNC checks after conversion.

No end date has been set at this time. Checks written on a FirstBank account number and bank routing number will be processed against your corresponding PNC Bank account unless otherwise notified.

PNC does not offer an option to send wires via telephone self-service. You can learn more about PNC Wire Transfer services.

In PNC Online Banking or the PNC Mobile app, you can move funds between eligible PNC accounts and external accounts, you can send domestic and/or international transfers to people and businesses you know and trust and pay bills using Bill Pay to make one-time or recurring bill payments. Review all the options PNC has to offer by visiting Online & Mobile Banking.

Yes. You will receive a new Debit Card and activation instructions a couple of weeks prior to conversion. Debit cards are sent in an unbranded envelope. Your FirstBank Debit Card will continue to work until you activate your new PNC card or September 24, whichever comes first.

If you don’t receive your card by June 22, don’t worry, your FirstBank Debit Card will continue to work until September 24, 2026, or until you receive and activate your new PNC Debit Card.

If you received your card but haven’t activated it yet, your FirstBank card will continue to work. Once you activate your new PNC card, your FirstBank card will no longer work.

If you believe you need a replacement PNC Banking (ATM) or Debit card for any reason, you may request one beginning June 22 through PNC Online Banking, the PNC Mobile app, or by visiting your local branch or calling the PNC Customer Care Center.

Your PNC Debit Card can still be activated and will work. If you would like to get a replacement card, you may do so at your convenience beginning June 22.

Yes. Your Social Security deposits will continue without interruption.

Social Security deposits and other similar government deposits will continue without interruption.

We also expect ACH transactions such as payroll deposits or deposits from other banks to continue without interruption. However, we recommend you make sure the originators have your new account and routing/transit numbers to avoid delays should you ever have to research a transaction.

Direct deposits or other recurring payments to Time Savings and Time Savings – IRA accounts will not continue as of June 19, 2026.

Those transactions will be processed. However, if you have payments deducted from your account(s) by merchants, billers or other institutions, be sure to update your account and routing/transit number with them so any payments set to occur on or after June 22, 2026, continue without disruption. Examples include automated payments at utility companies, memberships, or payments through financial apps that connect to your account, like Venmo and Cash App. For financial apps, make sure you also enroll in PNC Online and Mobile Banking before attempting to update your information.

PNC will exercise its discretion to pay overdrafts for checks, automatic bill payments and recurring debit transactions. Overdraft fees apply. If you opted out of overdraft for these transactions types at FirstBank, that election will not be applied to your PNC account beginning June 19, 2026. PNC does not provide an option to opt out of this process.

Overdraft Protection links your checking account (a “Protected Account”) with up to two other eligible PNC accounts (called your Protecting Accounts) so that you can use available funds from the Protecting Account to cover overdrafts on your Protected Account.

Important: If you currently have a FirstBank savings or money market account set up to be protected by another account for overdraft protection purposes, it will no longer be eligible to be protected at PNC.

Funds Availability: We generally provide either same business day or next business day availability. Availability differs depending on the time of deposit and deposit type. Our cutoff time is 10 p.m. ET.

• Initial $100 of Your Deposit: If made prior to our cutoff time, the initial $100 of any deposit will be available on the evening of your deposit to pay checks or items that are presented to us that evening for posting. The balance of the $100, if any, will be available on the first business day after the business day of your deposit for all purposes.
• Same business day: If made prior to our cutoff time, cash deposits at a PNC bank teller or certain ATMs, wire transfers, online banking transfers, electronic deposits, and check deposits approved using PNC Express Funds will be available on the same business day. Additionally, checks and money orders drawn on PNC Bank deposits are available on the evening of deposit to pay checks or other items.
• Next business day: Check deposits (other than those noted above) made prior to our cutoff time and any funds remaining from checks and money orders drawn on PNC Bank deposits will be available on the next business day.
• Second business day: Check deposits made during the first 30 calendar days by new account holders (customers with an account opened less than 30 days) and deposits totaling $50,000 or more on any one business day will be available on the second business day. (Certain check deposits/amounts may be available the first business day after the business day of the deposit.) Please refer to the Funds Availability Policy for more information.

For qualifying check deposits, PNC Express Funds[1] gives you the option to make the full amount available immediately for withdrawals and purchases, for a fee.

• Learn more about PNC Express Funds to understand how to use this convenient service for either your personal or business account

You can view your PNC Mobile Deposit check limits on or after June 22 by signing into the PNC Mobile App, select Deposit from the bottom navigation menu bar or more menu and your remaining daily limit and remaining monthly limits are listed under the Deposit and Check section.

No. Your credit card number will remain the same, however your expiration date and CVV code will change.

We will send a Change in Terms letter in April that will inform you of your account terms effective June 19, 2026.

No. However, once you receive your new expiration date and code, it is a good idea to share your updated information with your service provider for their records. This means as soon as you activate your new credit card you will need to update any recurring payments you have set up with merchants.

Credit cards will be mailed during the week of conversion. They are sent in an unbranded envelope.

Depending on your mail service, your card may arrive after June 22. Your FirstBank credit card will continue to work until you receive and activate your new PNC card or until September 30, whichever comes first.

To avoid delays, make sure the address associated with your card is up to date.

If you don’t receive your card by the week of July 6th, don’t worry, your FirstBank Credit Card will continue to work until September 30, 2026.

Contact us to request a replacement card and to verify your address.

Once you receive and activate your new PNC card, your FirstBank card will no longer work.

To ensure account information is effectively transferred from FirstBank to PNC, access to certain maintenance features in 360Control^® will end on June 12. You will retain the ability to log in to see historical information, and to use the cost allocation and expense management features for all transactions completed prior to June 19. Beginning June 22, you will be able to manage your credit card account online by going to PNC Online Banking.

A Change in Terms notice will be sent to you in April 2026 detailing all the changes to your account. Changes will generally align your account terms with PNC’s account servicing policies.

Yes. For Lines of Credit, an individual account statement will be sent 25 days prior to the payment due date. Installment Loan statements will be generated based on your existing agreement. Any change to your payment due date will be detailed in a Change in Terms notice mailed to you in April 2026.

To be sure you receive your statement, make sure your address information is up to date.

The variable rate margin or fixed rate in effect as of 6/19/26 will be used to calculate your interest rate post conversion. If your account has a tiered rate margin that is used to calculate your interest rate, that will no longer continue. For details, see the Change in Terms notice mailed to you in April 2026.

If you have a FirstBank Cash Reserve account, it will be converted to PNC as an overdraft line of credit that can only be advanced to cover an overdraft on the protected account. The protected account is the checking account you've selected to receive advances from the Cash Reserve when an overdraft occurs.

If your FirstBank line of credit has check access, you will receive PNC Bank line of credit checks in a separate mailing. To avoid delays receiving your checks, take a moment to make sure your address is up to date.

We will honor any FirstBank checks presented for payment through September 20, 2026.

For details, see the Change in Terms notice mailed to you in April 2026.

No. Your automatic payments will continue unless otherwise notified.

Automatic payments will be removed if your payment is returned for insufficient funds three times. For details, see the Change in Terms notice mailed to you in April 2026.

Yes. Some terms cannot be serviced after conversion, so the account must be closed, and if there is a balance, the balance needs to be paid off. For details, see the Change in Terms notice mailed to you in April 2026.

No. All Personal Loans currently receiving a coupon book will be converted to monthly loan statements.

If you would like to set up or change your autopay account, please complete the form available at pnc.com/automatedpayform. You can return it as indicated on the form.

You may also make your payment using the following options:

• Online or Mobile: Sign on to PNC Online Banking at pnc.com or use the PNC Mobile app to make a one-time or recurring payment.
• Phone: Call us at 1-800-964-3444 to pay by phone with an agent. A fee may apply.
• Mail: Mail a check with the remittance slip at the bottom of your statement. If you don’t have a statement, make sure you write your PNC loan account number on the check.

Address for regular mail payments:

PNC Bank

PO Box 747066

Pittsburgh, PA 15274-7066

Address for overnight mail payments:

c/o PNC Bank

Lockbox 645993

500 First Ave

Pittsburgh, PA 15219

Your line of credit will be converted to PNC with the same credit limit you had when the account was with FirstBank, if the account is currently open.

All personal unsecured lines of credit will temporarily receive paper statements. Beginning, June 22nd, you will have the option to opt out of paper statements by updating your communication preferences to Paperless in PNC Online Banking to receive only electronic statements.

To obtain a payoff amount on or before June 18, 2026, please contact FirstBank at 1-800-964-3444. To obtain a payoff on or after June 22, 2026, please contact the PNC Customer Care Center at 1-888-PNC-BANK (1-888-762-2265), request a payoff amount in PNC Online Banking, or visit a local PNC Branch.

The transfer of a mortgage loan to another servicer is common in the industry and does not affect the terms and conditions of your mortgage.

You will receive a Notice of Servicing Transfer letter with details, including the effective date of the transfer, your new account number and information about how you can make your payments to PNC.

Your mortgage loan may transfer to PNC before your other FirstBank accounts.

If you have an escrow established for property tax and insurance, PNC will take over managing it on your behalf. We’ll keep you up to date on any changes to your escrow account.

In the coming months, you’ll begin to learn more about the conversion of your Home Equity account(s). Some of the communications will be sent by mail. Please make sure your mailing address is up to date on your FirstBank products.

The Notice of Servicing Transfer was mailed to you on May 8.

Exception: If your mortgage is a construction loan or lot loan, the Notice of Servicing Transfer letter will be mailed to you on June 1.

The Notice of Servicing Transfer will be mailed to you on June 1st.

PNC can begin receiving your mortgage payments by mail on June 1. Beginning on June 3, payments can be made at a branch, with a Customer Care Center consultant over the phone, in PNC Online Banking, or through the Interactive Voice Response (IVR) system.

Rest assured, during the first 60 days following the transfer, you will not be charged late fees, and no negative credit reporting will occur for any late payments. You may still receive payment reminders, but they won’t impact your account status.

If you set up automatic monthly mortgage payments via ACH at FirstBank, please refer to the Notice of Servicing Transfer letter that was mailed to you on May 8 for more information about the transfer to PNC. If your payment is being automatically drafted by a third party, please notify them of your new loan number and payment mailing address.

If your automatic Automated Clearing House (ACH) payments are continuing at PNC, they will keep the same payment draft date after the loan transfers to PNC. However, PNC may delay the initial (June) ACH payment draft by up to seven business days. This one-time delay will not result in a late payment fee.

You may be invited to enroll in PNC Online Banking before June 1, 2026, through FirstBank Online Banking or the FirstBank Mobile Banking app. We encourage you to do so, so you can be prepared to log in at PNC after the transition.

If you do not enroll early, you will be able to enroll in PNC Online Banking as a first-time user beginning June 3. At pnc.com, select the “Sign On” button at the top of the page. Then, select “Enroll in Online Banking.” During enrollment, you’ll create a PNC user ID and password. These can be the same credentials you use for FirstBank, if they meet PNC’s requirements.

PNC will send you an email on June 3 inviting you to enroll in Online Banking. It may take 5 – 7 business days after the loan transfers for all of your mortgage information to be viewable in Online Banking.

If you have additional non-mortgage accounts with FirstBank, they will transfer to PNC on the weekend of June 19, and they will be visible in PNC Online Banking after June 22.

Your full mortgage payment history will be viewable in PNC Online Banking beginning 5-7 business days after the loan transfers.

Online Banking recurring payments that were established at FirstBank will end when your account converts to PNC. Any payment scheduled for May 30 or later won’t be processed. If you’d like to continue your online recurring payments, you’ll need to set up a new one in PNC Online Banking.

Your mortgage account is transferring to PNC on June 1, but FirstBank deposit accounts will not transfer to PNC until the weekend of June 19. Your mortgage account will be fully boarded to PNC systems by June 3, and at that time, you can make your payment using one of the following methods:

• In Online Banking using an external one-time payment
  • Important: For June payments, only using a FirstBank checking account will be considered an external payment.

• Over the phone with a customer service agent
• Using the automated phone system (IVR)
• By mail

After your FirstBank deposit account has transferred to PNC and is visible in PNC Online Banking, you can establish recurring payments as well as future-dated payments.

June 1: PNC can accept mortgage payments by mail from FirstBank clients.

June 3:

• FirstBank clients can begin making mortgage payments through all available channels: branch, agent-assisted phone, Online Banking (OLB), or Interactive Voice Response (IVR).

• FirstBank mortgage clients can begin enrolling in online and mobile banking.

June 6: Clients can view their mortgage payment history in PNC Online Banking.

June 10: PNC will begin drafting ACH mortgage payments for clients who previously established ACH payments with FirstBank.

Excludes construction and lot loans – these loan types will transfer to PNC effective June 19.

If you are a mortgage customer and you do not enroll in PNC Online and Mobile Banking through FirstBank Online Banking prior to June 1, you will be able to download the PNC Mobile app and use the app to enroll in online and mobile banking through the first-time user process starting on June 3. However, you will only see limited details about your mortgage account in the PNC Mobile app, and you will be unable to perform servicing actions until the newly designed PNC Mobile app is launched to FirstBank clients on June 22. If you would like to use your smartphone to view mortgage account details and/or make your June mortgage payment prior to June 22, you will need to open the web browser on your phone, visit pnc.com, and log in to PNC Online Banking rather than using the PNC Mobile app.

Your construction or lot loan will transfer to PNC effective June 19. PNC will mail a Notice of Servicing Transfer letter on June 1 with specific information about your loan.

If your home equity line of credit has a balloon structure, maturity means the account has reached the end of its term and the balance is due in full. The account will not automatically renew, and you’ll need to choose your next step.

If you have this account type, PNC will mail you a letter in late June with additional details.

After June 22, these options will be available when your balloon account matures:

• Apply to refinance the account with PNC or another lender.
• Pay off the outstanding balance.
• If the outstanding balance is $0 and you no longer need borrowing access, request to have the account closed.

No. Your current Safe Deposit Box rental agreement will continue under PNC Bank.

Safe Deposit Box owners will receive details about PNC Safe Deposit Box fees in May or early June. Your Safe Deposit Box annual rental fee will remain the same and follow your existing rental agreement. If you are currently receiving a FirstBank Safe Deposit Box discount, it will be discontinued effective June 19, 2026.

Your annual rental fee will continue to follow your existing rental agreement.

• You will receive a reminder one month before your annual rental fee is due.
• The rental fee is due on the 15th day of the anniversary month of your Safe Deposit Box rental date.

If you previously set up automatic payments from a FirstBank checking or savings account, your automatic payment will continue automatically at PNC—no action is needed. You will also receive a $5 annual rental discount for having an automatic payment in place.

If you do not already have automatic payments established or if you open a new PNC checking or savings account, you will gain the ability to set up an automatic payment and receive a $5 discount off your annual rental fee.

Any delinquent Safe Deposit Box accounts will be reset to a rented status, and no past-due payments will carry over after the transition. You will simply receive your next annual rental notice as usual.

No. You must follow a few steps before using PNC Online Banking or the PNC Mobile app. One of these steps includes accepting the PNC agreements.

Depending on your account type, you may be eligible to enroll in PNC Digital Banking through FirstBank Online Banking or the FirstBank Mobile app prior to June 22.

Beginning May 1, you can check to see if you’re eligible:

1. Log in to FirstBank Online Banking or the FirstBank Mobile app
2. Look for a message to set up a PNC digital profile or enroll in PNC Digital Banking

If you don’t see a message, you'll be able to enroll on pnc.com, on or after June 22.

You'll need:

• Your Social Security Number or Individual Taxpayer Identification Number. If you do not have one on file with FirstBank, consider adding it prior to June 22.
• Access to the phone and email associated with your FirstBank accounts

Once you enroll, you'll have access to:

• View your PNC account numbers
• Confirm your contact information

And you’ll be ready to do your banking on June 22.

Beginning June 22, 2026, if you want to use these similar services at PNC, you’ll need to re-establish them within PNC Online Banking or Mobile Banking:

• Balance and transaction alerts
• Online Statements and paper suppression for statements and documents
• Security preferences, like Face ID, on your mobile device
• Payments to or from people you know and trust with Zelle^®
• Mobile Wallets like PazeSM, Google Pay™ or Apple Pay™
• Connections with financial apps that use your accounts, including Venmo, Cash App, Rocket Money, Quicken^® and/or QuickBooks^®
• External transfers to accounts you own with other financial institutions
• Payments to loans from accounts at other banks
• Account nicknames

If you are a current active user of Bill Pay, yes, your payees will transfer. Any customer who is not a current, active user will receive a letter notifying you of any required actions to be able to take advantage of the PNC Bill Pay service.

Online Banking recurring or future-dated payments that were established in FirstBank Online Banking will end when your account converts to PNC. Any payment scheduled for June 19 or later won’t be processed. If you’d like to continue your online recurring payments, you’ll need to set up a new one in PNC Online Banking beginning June 22, 2026.

To allow you time to set up a new payment, PNC will automatically waive any late fee incurred on the affected lending account for 60 days after the account transfers to PNC.

Learn more about linking PNC accounts to third parties.

Step-by-step procedures and more information can be found on our Online Banking with Quicken and QuickBooks page.

Be sure to note:

• Between June 22 and July 31, 2026: Complete one final transaction download from FirstBank in Quicken/QuickBooks and review any pending transactions.
• Starting June 22, 2026: Disconnect your FirstBank connection and reconnect your account(s) by selecting the default connection option when searching for PNC Bank.
  • Quicken: PNC Bank – Web Connect
  • QuickBooks Desktop: PNC Bank QBDT EWC
  • QuickBooks Online: PNC Bank
    • Note: make sure to select link to existing account, and choose the applicable account(s), when importing PNC data for the first time for any accounts that were previously connected to Quicken/QuickBooks through FirstBank.

Yes, your account number will change. You can access your new account number by logging onto the new PNC BeneFit Plus portal on June 22, 2026.

Your current FirstBank HSA debit card can be used through Sunday, June 14, 2026; starting Monday June 15 the card will no longer work. You will receive a new PNC BeneFit Plus debit card as early as the week of June 22, 2026, subject to USPS mail delivery times. Upon receipt, be sure to activate your PNC BeneFit Plus debit card. You will not be able to use either card from June 15, 2026 through June 21, 2026 while your account is being upgraded to PNC BeneFit Plus. You can begin using your new PNC BeneFit Plus debit card beginning Monday, June 22, 2026.

If you use Apple Pay, you can enjoy quicker access by adding your card electronically to your mobile wallet. To do so, sign into the PNC BeneFit Plus Mobile App on or after June 22 and select "Add Card to Your Wallet" from the home screen.

Any outstanding First Bank HSA checks that have not been processed by June 18, 2026 will not be honored. You should destroy any remaining HSA checks. We encourage you to plan accordingly. HSA checks that have not been processed by June 18, 2026 may be returned to the merchant as unpaid. If you have a qualified expense, please use another form of payment and then submit for reimbursement from your PNC BeneFit Plus HSA on or after Monday, June 22, 2026.

You may continue to access funds in your FirstBank HSA by making transfers to another FirstBank account or making a withdrawal at a FirstBank branch location. Please note that all FirstBank HSA withdrawals must be processed by Thursday, June 18, 2026.

You will need to cancel any existing scheduled transfers you have in place prior to Friday, June 19, 2026. You can re-establish any recurring transfers within the new PNC BeneFit Plus portal on or after Monday, June 22, 2026. Your new ABA routing number will be 052102215 and you will be able to obtain your new account number by logging into your PNC BeneFit Plus account.

You can set up or continue automatic payroll contributions through your employer’s benefits portal. If your employer requires your HSA account number, please provide your PNC BeneFit Plus account number. You’ll be able to find your new account number by logging into your PNC BeneFit Plus account on June 22, 2026.

Monthly statements will be available electronically through participant.pncbenefitplus.com. You’ll receive an email notification when your statement is ready to view. If you prefer paper statements, you can elect mailed delivery in your profile settings for a $1.50 monthly fee, which will be charged directly to your PNC BeneFit Plus account. Please note that your last FirstBank HSA statement will be generated on June 18, 2026.

You may receive multiple tax documents for the 2026 tax year. Any HSA activity that occurred before June 22, 2026 on your FirstBank HSA will be mailed to you. Any activity that occurs on or after June 22, 2026 on your PNC BeneFit Plus HSA will be included in tax documents available electronically through participant.pncbenefitplus.com.

All 2026 tax documents will be delivered in their normal annual cadence at the beginning of 2027.

You have several easy ways to contribute to your HSA, up to the IRS limits for 2026:

• Online or Mobile App Transfers: Log in to participant.pncbenefitplus.com or the mobile app and select “Contribute to HSA” to transfer funds from a linked bank account.
• Payroll Contributions: Set up automatic payroll deductions through your employer’s benefits portal. If your employer requires your HSA account number, you can find your PNC BeneFit Plus account number by logging into your account on June 22, 2026.
• Contribution by Check: Complete the HSA Contribution Form available under the Tools and Support section of your account and mail it with a check to the address listed on the form.
• Recurring Contributions: If you have recurring or automatic contributions from a personal bank account, you’ll need to update your bank with your new PNC BeneFit Plus HSA routing and account information.

You can access your HSA funds using several convenient payment options:

• Debit Card: Use your PNC BeneFit Plus debit card to pay for eligible expenses. You may also request additional cards for your spouse and/or tax dependents age 18 and older.
• Mobile Wallet Payments: Add your PNC BeneFit Plus debit card to your mobile wallet to make contactless payments for eligible expenses, where available—making it easy to pay on the go.
• Online or Mobile Reimbursements: Reimburse yourself for qualified out‑of‑pocket medical expenses by transferring funds from your HSA to a personal bank account through the website or mobile app.

Your HSA balance and other information is available by logging in to your account on or after June 22, 2026 at participant.pncbenefitplus.com or in the PNC BeneFit Plus mobile app. Please note, the separate PNC Mobile app does not display HSA details.

This mailing provides your PNC account number(s), bank routing number(s), and important details for most of your Consumer or Business accounts and services. It’s important that you read this information thoroughly prior to June 22, 2026. You may receive multiple ATCs depending on your full banking relationship.

The ATC is mailed only to the primary account holder at the address of the primary account holder. Joint account holders do not receive an ATC.

If you have both Consumer and Business products, you will receive an ATC with your Consumer products and a second ATC with your Business products.

There could be a few reasons:

1. If you are not the primary account holder, for example, if you are the joint account holder, the information will not appear on your ATC, it will appear on the ATC of the primary account holder.
2. If you have both business and consumer accounts, separate ATCs were generated for those accounts.
3. The information for certain products was sent in separate communications. Mortgage, Consumer and Business Credit Cards, IRAs, CollegeInvest, FirstBank Health Savings, Treasury Management, Colorado Association of Realtors, and Analysis Business Checking with Interest (Related Interest Group) accounts all received separate communications.

If you are not a primary account holder on any account, you will not receive an ATC. Connect with the primary account holder to review this information.

If you are a primary account holder and have not received your ATC by May 29, 2026, contact the First Bank Contact Center. They can assist you with getting a replacement copy.

• Consumer and business clients: 1-800-964-3444
• Spanish speaking clients: 1-866-239-6000
• Clients with hearing impairments: 1-844-915-2417

On or after June 22, 2026, you may obtain your ATC in PNC Online Banking or the PNC Mobile app, or you can visit your local branch.

In PNC Online Banking:

• Sign on to Online Banking.
• Use the client Profile and Settings icon drop-down to go to Alerts & Communications.
• Select Statements and Documents.

In the PNC Mobile app:

• Sign in to the PNC Mobile app.
• Select More from the bottom navigation bar to go to More menu.
• Select Statements & Documents in More menu to go to Statements & Documents hub.
• Select Online statements in Statements & Documents hub.

The maturity date on your Account Transfer Confirmation (ATC) letter was correct when the letter was created. The “Information as of” date at the top shows when those details were captured. Because these letters are sent in large batches, there may be a delay before you receive it. During that time, your CD may have reached maturity and automatically renewed—especially for shorter-term CDs (like 91-day CDs). As a result, the maturity date on your letter may look outdated or show a past date. If the letter had been created after the renewal, it would show the updated maturity date you see now. To understand the timing, check the “Information as of” date at the top of your letter.

Yes, you’ll need to enroll with Zelle^® in the PNC Mobile app to continue using Zelle^® at PNC.

To enroll, you’ll need:

• An eligible PNC checking account,
• A PNC Online Banking User ID,
• The PNC Mobile app on your Apple or Android mobile device.

After logging into the PNC Mobile app, select Pay & Transfer from the bottom menu, then select Send Money with Zelle^® and follow the prompts to enroll.

For additional instructions on enrolling with and using Zelle^® at PNC, please visit www.pnc.com/Zelle.

You can enroll one email address and/or one U.S. mobile phone number with your Zelle^® -enrolled PNC checking account.

If you have an eligible business checking account, you can also enroll a Zelle^® tag. When re-enrolling your Zelle^® tag at PNC, make sure you use the same contact method you used to enroll your Zelle^® tag at FirstBank.

For detailed instructions on enrolling with and using Zelle^® at PNC, please visit www.pnc.com/ZelleGuide.

No, savings accounts are not Zelle^®-eligible at PNC. You’ll need a PNC personal checking or eligible business checking account to enroll with Zelle^®.

Yes, you’ll be able to enroll in Zelle^® with one personal checking and one business checking account for each PNC Online Banking user ID.

No, Zelle^® is available exclusively in the PNC Mobile app. For detailed instructions on enrolling with and using Zelle^® at PNC, please visit www.pnc.com/ZelleGuide.

Your FirstBank Zelle^® transaction history will be available on your FirstBank statements, but will not be available in your Zelle^® Activity in the PNC Mobile app.

Yes, on or after June 22, 2026, if you need to dispute a Zelle^® transaction that occurred at FirstBank, please call PNC’s Customer Care Center at 888-PNC-BANK (762-2265). For Zelle^® transactions related to Small Business accounts, please call 877-BUS-BNKG (287-2654). Prior to June 22, 2026, you may still contact FirstBank Customer Care at 800-964-3444.

Yes, you’ll need to set up your Zelle^® scheduled and recurring payments in the PNC Mobile app.

In most cases, your Zelle^® send limits at PNC will be the same or higher than the limits you had at FirstBank. You can check your limits at any time by navigating to Zelle^® in the PNC Mobile app, selecting Send and adding a recipient—your daily limit will be displayed under Amount. Selecting Zelle Limits will display your daily and monthly limits with your remaining balance for each.

PNC offers a comprehensive set of resources to help businesses understand treasury management and what to expect during the conversion of FirstBank to PNC.

Someone who has been designated with significant responsibility to control, manage or financially direct the business. The controlling party could be an executive officer, senior manager or similar. The controlling party may or may not be the beneficial owner. PNC requires one person in this role for each business entity.

The controlling party has full access to PNC Online and Mobile Banking. These features include:

• PNC Mobile app
• Zelle^®
• Mobile check deposit
• Wire Transfers
• Account Linking
• Account Delegation

Account Delegation allows businesses to assign Online Banking tasks to those you trust to pay bills from designated accounts, transfer funds between eligible accounts and more.

The controlling party for the business is responsible for creating and managing delegate access in Online Banking. The controlling party can choose to give delegates access to:

• Account balances, transactions and cash flow tools
• Statements, documents and check images
• Bill Pay
• Internal transfers
• Pay Receive Sync (PNC's billing and invoicing tool)
• Remote Deposit (PNC's desktop scanner and software for check deposits)

Delegate account access is restricted to PNC Online Banking. They can’t get support at a branch or through the Care Center.

Learn more about setting up Account Delegation for PNC Digital Banking and know what to expect.

Users with a Transfer or Inquiry relationship on a business account at FirstBank can be invited to enroll as delegates at PNC. At PNC, delegates are managed through PNC Online Banking by the controlling party.

The business controlling party can invite delegate users to enroll in Online Banking starting June 22, 2026.

For steps on how to invite a delegate to enroll, check out the Account Delegation digital tutorial.

Once enrolled, delegates will have access to PNC Online Banking only. Delegates won’t be able to use the PNC Mobile app and cannot be serviced by the branch or care center.

Visit your local FirstBank branch to update the necessary information for your accounts. This will include reviewing the controlling party and any authorized signer on your accounts.

The FirstBank branch team will assist you with any additional steps, including providing you information on how to select the controlling party to take actions on your accounts.

To make sure your data transfers completely from FirstBank to PNC, and to avoid any interruptions in access, you’ll need to review and update your controlling party and authorized signer information at FirstBank before June 18, 2026.

Businesses that do not have a controlling party on file will experience limited access to PNC Online Banking until that information is provided.

No. Only one active Bill Pay user will migrate to PNC. Your business was notified by mail explaining which Bill Pay user profile will transfer to PNC. Payees, eBills and any future scheduled payment(s) from other profiles will not be moved to PNC. If you would like this information and/or any payments to be moved to PNC, please log on to FirstBank online banking and manually add them to the Bill Pay user profile that will be transferred. After your transfer to PNC Online Banking, the business may grant Bill Pay access to other users using PNC’s delegation feature.

Internet Cash Management (ICM) users who have not yet completed the initial log in to PINACLE must log in to ICM first. Upon successful login to ICM, select the link in the banner to complete your initial log in to PINACLE.

Please visit: https://www.efirstbank.com/products/online-mobile/internet-cash-management.htm to complete your enrollment.

For 30 days after conversion, Instant Payments sent using your former FirstBank account and routing number will be redirect to your new PNC account, though processing delays may occur. A planned outage will occur between June 18th 5pm ET to June 20th 7:00 am ET.

After 30 days:

• The FirstBank ABA number is deactivated
• Instant Payments sent using old instructions will be rejected

You should ensure all Instant Payments senders update their instructions as soon as possible.