Consumer Schedule of Service Charges and Fees

Account Information All Markets

Effective January 3, 2012 All prices are subject to change. Products, services and prices may vary in other PNC Bank Markets. Checking Accounts
For all checking accounts: $25 required minimum deposit to open

Money Market & Savings Accounts Premium Money Market

$100 required minimum deposit to open $1,000 average monthly balance requirement to avoid monthly service charge $10 monthly service charge if requirement not met 5 Balance earns interest Minimum daily balance to obtain the Annual Percentage Yield: $1.00 - $999.99 $1,000 - $9,999.99 $10,000 - $24,999.99 $25,000 - $49,999.99 $50,000 - $99,999.99 $100,000 - $499,999.99 $500,000 +

Free Checking
No minimum balance requirement and no monthly service charge

Performance Checking
Requirements to avoid monthly service charge: Maintain $1,500 average monthly balance in this account, OR Maintain $10,000 combined average monthly balance 1 in linked PNC consumer checking (including this account), savings, money market, line of credit 2, auto or home equity installment loan 2, mortgage loan 2 or investment 3 accounts, OR Maintain a qualifying 4 aggregate monthly direct deposit (such as payroll, pension or Social Security) of $2,000 or more per statement period ($750 for accounts in our WorkPlace Banking program) $10 monthly service charge if none of the requirements are met Monthly service charge waived for one linked PNC consumer savings or money market account Balance earns interest 5 Minimum daily balance to obtain the Annual Percentage Yield: $2,000 - $9,999.99 $10,000 - $49,999.99 $50,000 - $99,999.99 $100,000 +

Statement Savings
$25 required minimum deposit to open $400 average monthly balance required to avoid the monthly service charge. You can also avoid the monthly service charge, regardless of the average monthly balance, with at least one Auto Savings transfer of $25 or more each month from your PNC checking to your savings account. $4 monthly service charge if requirement not met - No fee for account holders under 18 - Fee waived for first year for Foundation Checking customers $3 per withdrawal after 3 each month if the balance falls below $1,500 (includes transfers out of the account, but not overdraft protection transfers to your checking account). - No fee for account holders under 18. Balance earns interest5 Minimum daily balance to obtain the Annual Percentage Yield: $1.00 +

Performance Select Checking

Requirements to avoid monthly service charge: Maintain $5,000 combined average monthly balance in this and up to 8 linked PNC consumer checking accounts1, OR Maintain $25,000 combined average monthly balance1 in this and up 5 to 8 linked PNC consumer checking, savings or money market accounts, and/or an investment3 account $25 monthly service charge if none of the requirements are met Monthly service charge waived on up to 8 additional linked PNC consumer checking, savings or money market accounts Balance earns interest 5 Minimum daily balance to obtain the Annual Percentage Yield: $2,000 - $9,999.99 $10,000 - $49,999.99 $50,000 - $99,999.99 $100,000 +

'S' is for Savings

$25 required minimum deposit to open No monthly service charge for account holders under 18 For account holders 18 and over, requirements to avoid monthly service charge: $400 average monthly balance, OR Maintain at least one Auto Savings transfer of $25 or more each month from a PNC checking to this savings account. $4 monthly service charge if requirement not met No withdrawal fee for account holders under 18 For account holders 18 and over, $3 per withdrawal after 3 each month if the balance falls below $1,500 (includes transfers out of the account) Balance earns interest 5 Minimum daily balance to obtain the Annual Percentage Yield: $1.00 - $499.99 $500 - $1,499.99 $1,500+

Foundation Checking
$5 monthly service charge regardless of account balance

Interest Checking (Limited availability)

If the plan portion of a PNC Bank Complete Plan, Premium Plan or Choice Plan is closed, the checking account will automatically be placed in an Interest Checking account. $2,000 average monthly balance requirement to avoid monthly service charge $13 monthly service charge if requirement not met. 5 Balance earns interest Minimum daily balance to obtain the Annual Percentage Yield: $100 - $1,999.99 $2,000 - $9,999.99 $10,000 - $49,999.99 $50,000 - $99,999.99 $100,000 + For current interest rate and Annual Percentage Yield information call 1-888-PNC-BANK (1-888-762-2265).

Savings Max
$100 required minimum deposit to open $10,000 average monthly balance requirement to avoid monthly service charge $15 monthly service charge if balance requirement is not met 5 Balance earns interest Minimum daily balance to obtain the Annual Percentage Yield: $0 - $9.999.99 (no interest) $10,000 - $24,999.99 $25,000 - $49,999.99 $50,000 - $99,999.99 $100,000 - $499,999.99 $500,000 - $999.999.99 $1,000,000+

Money Market & Savings Accounts (continued) Passbook Savings

Available in Wisconsin and Illinois (Cook, Dupage, Kane, Kendall, Lake, McHenry and Will counties) only $25 required minimum deposit to open $100 average monthly balance requirement to avoid monthly service charge $4 monthly service charge if balance requirement is not met - No fee for account holders under 18 Balance earns interest 5 Minimum daily balance to obtain the Annual Percentage Yield: $1.00 - $9,999.99 $10,000 - $24,999.99 $25,000 - $49,999.99 $50,000 + For current interest rate and Annual Percentage Yield information call 1-888-PNC-BANK (1-888-762-2265).

Debit Cards (continued)

Check Card Cash Advance Fee No charge for Performance Select Checking $3 assessed for each cash advance at a branch teller at any PNC Bank $5 assessed for each cash advance at a branch teller at any other financial institution that accepts VISA International Purchases and Cash Advances Fee 3% of the transaction amount

Other Account Charges and Services

Overdraft Item Fee: Assessed when the available balance in your account is insufficient to cover an item presented for payment and item is paid. Returned Item Fee (NSF): Assessed when the available balance in your account is insufficient to cover an item presented for payment and the item is returned unpaid (Non-Sufficient Funds). Examples of items presented for payment: checks, ATM transactions, debit card point of sale transactions, ACH payments and other debit items. Overdraft Item Fee and Returned Item Fee (NSF): - $25 per item for the first occurrence in current and previous eleven service charge cycles (limit of 4 charges per day) - $36 per item for additional occurrences within the same period (limit of 4 charges per day) If your account is overdrawn by $5 or less after all transactions are posted for the day, any overdraft item fees for that day will be automatically refunded to your account. An occurrence is a day with at least one overdraft item or one returned item. All overdrafts, including those below $5, are considered an occurrence for future item pricing. Continuous Overdraft Charge $7 assessed each day your account remains overdrawn for a period of 5 or more consecutive calendar days, up to a maximum of $98. This charge is in addition to any Overdraft Item Fees or Returned Item Fees (NSF) assessed. Return of Deposited or Cashed Item $12 each Redeposit of Returned Deposited or Cashed Item No charge Overdraft Protection Transfers 9 From a PNC Bank checking, savings or money market account the exact amount of the overdraft plus applicable fees will be transferred. From a credit card, the minimum automatic transfer is $50 and the amount transferred will be rounded upward to the next whole dollar amount. No charge for Performance Checking and Performance Select Checking $10 per transfer for all other accounts Overdraft protection can also be established via a line of credit subject to 9 applicable Account Agreements and/or Disclosure Statements. Regulation D Violation Fee $15 assessed for each violation beyond the first within twelve service charge cycles. A violation occurs when you surpass the permissible number of transactions from a savings or money market account 6 during a service charge cycle period. Early Closure Fee $25 assessed when your checking, savings or money market account is closed within 180 days of the date the account was opened. Collection Charge-off $30 per account Legal Process Charge $100 plus, when applicable, bank's actual attorney fees and court costs. Interim Statements $5 per statement Stop Payment Order (including checks, preauthorized debits, electronic transfers and recurring preauthorized payments through Visa Check Card) No charge for Performance Checking or Performance Select Checking $33 per item for all other accounts

Online Banking and Telephone Banking (1-800-762-2035)

Online Banking or Telephone Banking No charge7 for automated account information, automated transfers6 and automated check orders (applicable check order charges apply) Telephone Transfers Automated Transfers - no charge 6 Customer Service Representative Assisted Transfers6 - No charge for Performance Select Checking - $2 per transfer for transfers that originate from Performance Checking - $3 per transfer for transfers that originate from all other checking, savings and money market accounts Online Bill Pay No charge for consumer checking accounts Online Banking and Bill Payment through Quicken No charge for consumer checking accounts7
Quicken is a registered trademark of Intuit Inc.

Debit Cards
PNC Bank Visa Check and PNC Banking Card Fees: PNC Bank Visa Check Card - No charge Affinity Visa Check Cards (specialty cards) are charged a $10 annual fee. Affinity cards included: PNC Park, Pittsburgh Steelers, WBS Penguins, Washington Nationals, Detroit Pistons, Cleveland Browns, USA Flag ($5 of the $10 is donated to the American Red Cross annually). Banking Card linked to savings or money market accounts only: No charge Banking Card linked to a checking account: $10 per year This fee will be charged to your checking account on the date of the card opening, and annually on the anniversary date thereafter. This fee does not apply to University ID cards linked to a checking account. Check and Banking Card Replacement Fee: $7.50 Expedited Card Delivery: $25 PNC Bank ATM Transaction Fees: Per withdrawal, deposit, transfer or balance inquiry. Not all ATMs accept deposits. At PNC Bank ATMs: No charge At non-PNC Bank ATMs in the United States, Canada, Puerto Rico, U.S. Virgin Islands:* - No charge for Performance Checking and Performance Select Checking - $2.50 for all other accounts8 At non-PNC Bank ATMs in all other countries/locations:* - No charge for Performance Checking and Performance Select Checking - $5 for all other accounts8 Other Financial Institutions' ATM Surcharge Fees:* Fees reimbursed for Performance Select Checking For Performance Checking, fees are reimbursed at the end of each statement period up to a maximum of $8 Fees will not be reimbursed for all other accounts8
* In the event we determine in our sole discretion that there has been fraudulent or excessive ATM usage on your account, we will not be obligated to reimburse you for any related surcharge fees and you will be liable to repay all related surcharge fees for which we have reimbursed you.

Other Account Charges and Services (continued)

Checks and Additional Deposit Tickets Pricing varies depending on style selected. Free styles for Performance Checking or $8 discount on select designs. Free styles for Performance Select Checking or $12 discount on select designs. Money Market Check Orders $10 per order Counter Checks $1.50 for each check ATM Statements Available at select ATMs No charge for Performance Checking and Performance Select Checking All other accounts - $1.50 per mini statement at PNC Bank ATMs - $2.00 per full statement at PNC Bank ATMs - $2.50 per mini or full statement at non-PNC Bank ATMs Account Research $25 per hour (minimum of $15) Escheat Charge (Philadelphia only) $20 per account

Additional Non-Account Related Services

Cashier's Checks - available to customers only No charge for Performance Checking and Performance Select Checking $10 per check for all other accounts PNC Visa Gift Card $3.95 per card purchased at PNC Bank Branches $3.95 per month after the card expiration date if there has been no activity during the previous twelve months American Express Travelers Cheques No charge for Performance Checking and Performance Select Checking 2% of face value American Express Travelers Cheques for Two No charge for Performance Checking and Performance Select Checking 3% of face value American Express Gift Cheques $2.50 per gift cheque Money Order $0.49 each for Foundation Checking $5 each for all other accounts

Statement Options
Online Banking Statement No charge for online delivery of your account statement for eligible checking, savings and money market accounts. Check Safekeeping (paper statement where PNC retains images of your checks, replacement checks and images of your canceled checks we have received from other banks) Required for money markets accounts No charge for all accounts Online Banking and Check Safekeeping Statements (for delivery of both an online statement and a check safekeeping statement) No charge for Performance Select Checking $2 per month for all other accounts Check Image (paper statement that contains images of the front side of your canceled checks, replacement checks and images of your canceled checks we have received from other banks) No charge for Performance Checking and Performance Select Checking $3 per month for all other accounts* * Fee is charged monthly regardless of whether there are any actual canceled checks or replacement checks from that statement period.

Wire Transfers
Domestic Wires No charge for Performance Select Checking $25 per outgoing wire (no minimum wire amount) - Additional $15 fee for Telephone Customer Service Representative assisted wire. $15 per incoming wire (no minimum wire amount) International Wires $45 per outgoing wire ($100 USD minimum wire amount) - Additional $15 fee for Telephone Customer Service Representative assisted wire. This additional fee is not charged for Performance Select Checking. $15 per incoming wire (no minimum wire amount) $15 per tracer

Collection Items*
Incoming and Outgoing $25 per bond transaction (except Series E, H, EE, HH or I) $25 per draft, note or check item

Safe Deposit Boxes Images and Photocopy Requests

For checking and money market accounts, you can view, print and save digital images of checks, substitute checks, deposit tickets and Deposit Ticket Detail Lists* displayed within the transaction history in Online Banking.** No charge for Performance Checking and Performance Select Checking. For all other checking and money market accounts: - Self-service requests through Online Banking No charge for items displayed within Online Banking $3 each for Deposited items within a Detailed Deposit Ticket List - Self-service requests through Online Banking and Telephone Banking to mail or fax items: $1 each for checks, substitute checks and deposited tickets $3 each for Deposit Ticket Detail List or items from within the list - Staff-assisted requests for any item or statement copy: $5 each
* A Deposit Ticket Detail List is a list that includes all items within a deposit (only available for the account activity displayed within Online Banking). ** Account transaction history in Online Banking is displayed from the current and two previous account statement cycles.

Price will vary depending on the size of the safe deposit box $15 plus tax per set of replacement keys (requires new set) $15 plus cost of lock, time and mileage of locksmith for set of replacement keys, drilling of box and replacement of lock $40 per hour (1 hour minimum) for inventory by bank personnel $10 late payment fee

International Services*
For International Wires, see the Wire Transfers section Foreign Currency Exchange Rate Dependent upon current applicable exchange rate Foreign Check Deposit Exchange Rate Dependent upon current check buy rate (Returns will be processed using current check sell rate) Collections ($100 USD minimum collection amount) $25 per item
* Note: Incidental costs for postage, insurance, delivery charges, correspondent bank charges and exceptional expenses, if applicable, and any other costs imposed on us will be added to the above fees for International Services and Collection Items.

Footnotes
1 Some accounts may not be eligible to be included in the combined average monthly balance requirement based on titling structure, product type or other constraints. A maximum of ten (10) linked PNC accounts, including this account, may be included in the combined average monthly balance relationship. See our Account Agreement for Personal Checking, Savings and Money Market Accounts, Interest Payment and Balance Computation section for details. 2 The outstanding balance on lines of credit, and the original principal amount on installment and mortgage loans, will be used to determine the combined average monthly balance. 3 Only investment or annuities linked to a PNC Investment account are eligible to be included in the combined average monthly balance requirement. 4 A qualifying direct deposit is a recurring electronic deposit made by an employer or an outside agency. Transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device or the mail are not eligible to meet this requirement. 5 See our Account Agreement for Personal Checking, Savings and Money Market Accounts, Interest Payment and Balance Computation section for details. 6 A Federal regulation prohibits you from making more than a total of 6 transfers each month to other accounts from a savings or money market account (including transfers to another account for overdraft protection) or to third parties each month by check, through point-of sale purchase transactions with a banking card, by pre-authorized or automatic agreements, telephone, or online. See your account agreement for more information. Other limits may apply to your account. Excessive transactions may result in changing your Savings or Money Market account to a Free Checking account. 7 There may be fees for certain optional services available through PNC Online Banking. 8 PNC Bank charges apply for use of another financial institution's or ATM operator's ATMs. Additionally, other financial institutions and/or ATM operators may charge for using their ATMs. 9 Overdraft protection must be tied to a PNC Bank checking, savings or money market account, credit card or approved line of credit. Lines of credit and credit card are also subject to applicable Account Agreements and/or Disclosure Statements. Some accounts may not be eligible to be linked as overdraft protection based on titling structure, product type or other constraints.

~ Para servicio en espanol, 1-866-HOLA-PNC (1-866-465-2762)

1-888-PNC-BANK (1-888-762-2265) pnc.com

TT: 1-800-531-1648

EQUAL HOUSING

LENDER

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EFORM108178-0112