Virtual Wallet With Performance Select

Statement

PNC Bank

Primary account number: 55-7037-3231

For the period 05/18/2023 to 06/20/2023 Number of enclosures: 0 KAREN M CHRISTIE For 24-hour banking, and transaction or HANNAH T HORMELL interest rate information, sign-on to 26532 LAKE DR PNC Bank Online Banking at pnc.com

CAMBRIDGE SPRINGS PA 16403-2932

For customer service call 1-888-PNC-BANK

PNC accepts Telecommunications Relay Service

(TRS) calls.

Para servicio en espanol, 1-866-HOLA-PNC

Moving? Please contact us at 1-888-PNC-BANK

Write to: Customer Service

PO Box 609

Pittsburgh, PA 15230-9738

Visit us at pnc.com

IMPORTANT ACCOUNT INFORMATION

The information below amends certain information in our Virtual Wallet Fine Print and Account Agreement for Personal Checking, Savings and Money Market Accounts (Agreements). All other information in our Agreements continues to apply to your account. Please read this information and retain it with your records. Our general practice is to decline to cash a check made payable to you and drawn on another institution if you have not had a deposit account with us for at least one (1) year. We may require you to deposit the check to your Account instead. With respect to all other checks drawn on any institution, we may refuse to cash a check made payable to you, but instead require you to deposit the check to your Account. IMPORTANT ACCOUNT INFORMATION

The information below amends certain information in our Consumer Schedule of Service Charges and Fees and Features and Fees ('Schedule'). All other information in our Schedule continues to apply to your account. Please read this information and retain it with your records. Effective June 26, 2023, the following pricing updates will be made to Consumer Wire Transfers and Money Transfers:

> Agent-Assisted Outgoing International Wire Transfers will increase from $45.00 to $50.00.

> Agent-Assisted International Money Transfers will increase from $5.00 to $10.00.

> International Outgoing Self-Service Wire Transfers sent in foreign currency (FX) will decrease from $40.00 to $5.00.

If you have any questions, please feel free to visit your local PNC Branch or Solution Center or call the Customer Care Center at 1-888-***-****.

IMPORTANT ACCOUNT INFORMATION

The information below amends certain information in our Consumer Schedules of Service Charges and Fees and our Features and Fees ("Schedules"). All other information in our Schedules continues to apply to your account. Please read this information and retain it with your records. Effective April 1, 2023, the Consumer Return of Deposited/Cashed Item fee of $12.00 is no longer being Page 1 of 10

Virtual Wallet With Performance Select Statement

For the period 05/18/2023 to 06/20/2023

For 24-hour information,sign on to PNC Bank Online Banking KAREN M CHRISTIE on pnc.com Primary account number: 55-7037-3231

Account Number: 55-7037-3231 - continued

charged.

IMPORTANT ACCOUNT INFORMATION

To ensure you are aware of the minimum daily balances required to obtain the applicable Annual Percentage Yield (APY) on the Spend account of your Virtual Wallet with Performance Spend and Virtual Wallet with Performance Select accounts, please note the following tiers: Spend:

$2,000.00 - $9,999.99

$10,000.00 - $49,999.99

$50,000.00 - $99,999.99

$100,000.00 and over

For current interest rate and Annual Percentage Yield information, call 1-888-PNC-BANK (1-888-***-****). Your account will earn interest on the entire account balance each day at the interest rate and APY in effect for that day's balance on the highest tier the balance reaches. Rates and APYs may vary and may change. Fees could reduce earnings.

IMPORTANT ACCOUNT INFORMATION

Effective August 1, 2023, the Staff-Assisted Statement Request fee of $5.00 will be reinstated on all consumer deposit accounts. This fee is charged when a historical statement is requested to be printed in a branch or requested online to be mailed or faxed. This fee is disclosed in the Image and Photocopy Requests section of your Features and Fees and/or Consumer Schedule of Service Charges and Fees. Customers can continue to access online statements for no charge. IMPORTANT ACCOUNT INFORMATION

On June 1, 2023 PNC updated the Arbitration Provision of the Virtual Wallet Fine Print and Account Agreement for Personal Checking, Savings and Money Market Accounts (Agreements). All other information in your Agreement continues to apply to your account.

PLEASE READ THE WAIVER CAREFULLY: IT WILL IMPACT HOW LEGAL CLAIMS YOU AND PNC HAVE AGAINST EACH OTHER ARE RESOLVED.

THE ARBITRATION PROVISION WILL APPLY TO YOUR ACCOUNT(S) UNLESS YOU OPT OUT BY PROVIDING TIMELY NOTICE AS SET FORTH IN THE ARBITRATION PROVISION OR UNLESS YOU PREVIOUSLY OPTED OUT BY PROVIDING TIMELY NOTICE AS SET FORTH IN THE ARBITRATION PROVISION. Arbitration Provision

READ THIS ARBITRATION PROVISION CAREFULLY: IT WILL IMPACT HOW LEGAL CLAIMS YOU AND WE HAVE AGAINST EACH OTHER ARE RESOLVED. Under the terms of this Arbitration Provision, and except as set forth below, Claims (as defined below) will be resolved by individual (and not class-wide) binding arbitration in accordance with the terms specified herein, if you or we elect it. YOUR RIGHT TO OPT OUT; EFFECT OF ARBITRATION.

This Arbitration Provision will apply to you and us and to your Account as of the date your Account was opened (or, if you are an existing customer, as of the date of this Agreement), unless you opt out by Page 2 of 10

Virtual Wallet With Performance Select Statement

For the period 05/18/2023 to 06/20/2023

For 24-hour information,sign on to PNC Bank Online Banking KAREN M CHRISTIE on pnc.com Primary account number: 55-7037-3231

Account Number: 55-7037-3231 - continued

providing proper and timely notice as set forth below. If a Claim is arbitrated, neither you nor we will have the right to: (1) have a court or a jury decide the Claim; (2) engage in information-gathering (discovery) to the same extent as in court; (3) participate in a class action, private attorney general, or other representative action in court or in arbitration; or (4) join or consolidate a Claim with those of any other person. This Arbitration Provision will survive the termination of this Agreement. See further details below.

Definitions

"We," "Us" and "Our." Solely as used in this Arbitration Provision, the terms "we," "us" and "our" also refer to (1) our employees, agents, officers, directors, parents, controlling persons, subsidiaries, affiliates, predecessors, acquired entities, successors, and assigns; and (2) any failed bank to the extent of the assets acquired by us or our affiliates.

"Account." For purposes of this Arbitration Provision, "Account" refers to your personal deposit account or accounts with us and the features and services provided in connection with it or them. Personal deposit accounts include checking accounts, savings accounts, money market deposit accounts, and certificates of deposit. Certificates of deposit and money market deposit accounts held in a retirement account are collectively an "Account." "Account" also refers, collectively and separately, to the Spend, Reserve and Growth accounts in your Virtual Wallet, Virtual Wallet Student, Virtual Wallet with Performance Spend, Virtual Wallet with Performance Select, or Virtual Wallet Checking Pro.

"Claim." A "Claim" subject to arbitration is any demand, cause of action, complaint, claim, asserted right, or request for monetary or equitable relief, whether past, present, or future, and based upon any legal theory, including contract, tort, consumer protection law, fraud, statute, regulation, ordinance, or common law, which arises out of or relates to this Agreement, your Account or Accounts, the events leading up to your becoming an Account holder (for example, advertisements or promotions), any feature or service provided in connection with your Account or Accounts, or any transaction conducted with us related to any of your Accounts. Notwithstanding the foregoing, the term "Claim" excludes: (a) any dispute or controversy about the validity, enforceability, coverage, or scope of this Arbitration Provision or any part thereof, including the Class Action Waiver and Public Injunctive Relief Waiver below (a court will decide such disputes or controversies); and (b) any individual action brought by either party in small claims court or your stateæs equivalent court, unless such action is transferred, removed, or appealed to a different court. After a Claim is filed with the arbitration administrator, but before an arbitrator is formally appointed to a Claim, a party may send a written notice to the opposing party and the administrator stating that the Claim is within the jurisdiction of small claims court (or an equivalent court) and requesting that that court decide the Claim. Upon receipt of that notice, the administrator will administratively close the case without requiring the payment of filing or any other administrative fees. Arbitration Procedures

Electing Arbitration of Claims. Except if you opt out as provided below, you or we may elect to arbitrate any Claim. The election may be made by submitting a written Notice of Arbitration ("Notice") in accordance with the terms herein. Or, if a lawsuit asserting a Claim is filed in court, the other party may elect arbitration in the lawsuit (for example, a motion by the defendant to compel arbitration). If you or we commence litigation of a Claim, neither you nor we waive our right to elect to arbitrate any counterclaim or other Claim that you or we may make.

Notice Requirements. If you or we elect to arbitrate a Claim, the claimant must provide the other party with written Notice before commencing arbitration. Notice to us shall be sent to PNC Bank, N.A., Legal Department, PNC Tower (18th Floor), 300 Fifth Avenue, Mailstop: PT-PTWR-18-1, Pittsburgh, PA 15222, Attn: Notice of Arbitration (the "Notice Address"). Our Notice to you shall be sent to the most recent address for Page 3 of 10

Virtual Wallet With Performance Select Statement

For the period 05/18/2023 to 06/20/2023

For 24-hour information,sign on to PNC Bank Online Banking KAREN M CHRISTIE on pnc.com Primary account number: 55-7037-3231

Account Number: 55-7037-3231 - continued

you in our files. The Notice must be clearly marked "Notice of Arbitration" and contain the claimantæs name, telephone number, mailing address, e-mail address, the Account number of any Account at issue, a description of the nature and basis of the dispute, the relief sought by the claimant, and the claimantæs signature. To safeguard your Account, if you have retained counsel to submit the Notice, your Notice must include your signed statement authorizing us to share information about the Account and the Claim with your counsel. The noticing party must provide the other party 45 days from receipt of the Notice in order to provide the parties a meaningful opportunity to resolve the dispute in an informal, prompt, mutually beneficial manner. During this period, any applicable statutes of limitations or contractual limitations periods will be tolled. The arbitration administrator may not accept or administer an arbitration nor assess fees until the expiration of the 45-day period. Either party may seek court intervention regarding the initiation of arbitration or the assessment of fees in connection with such arbitration. Arbitration administrator and rules. The arbitration will be administered by the American Arbitration Association ("AAA") under its rules for consumer arbitrations. The AAA rules and forms may be obtained by contacting AAA at 1-800-***-**** or visiting www.adr.org. AAA will apply its rules and codes of procedures in effect at the time arbitration is elected including, if applicable, AAA's Supplementary Rules for Multiple Case Filings. If AAA is unable or unwilling to administer the arbitration in accordance with this Arbitration Provision, the parties may agree on another administrator or, if there is no agreement, a court with jurisdiction may appoint one. The arbitrator may, as appropriate, hold hearings in person, by telephone or videoconference, or decide Claims based on papers submitted by the parties. Any in-person arbitration hearing will take place in a venue in the county where you reside unless you and we agree otherwise. ARBITRATION PROVISION IS CONTINUED AT THE END OF YOUR STATEMENT Virtual Wallet With Performance Select Account Summary Account number: 55-7037-3231

Overdraft Protection has not been established for this account. Please contact us if you would like to set up this service. Overdraft Coverage

- Your account is currently

Opted-Out.

KAREN M CHRISTIE

Hannah T Hormell

Balance Summary

Beginning

balance

Deposits and

other additions

Checks and other

deductions

Ending

balance

160,858.84 723.26 158,226.67 3,355.43

Average monthly

balance

Charges

and fees

39,985.61 .00

Transaction Summary

Checks

paid/withdrawals

Debit Card POS

signed transactions

Debit Card/Bankcard

POS PIN transactions

8 33 52

Total ATM

transactions

PNC Bank ATM

transactions

Other Bank ATM

transactions

6 6 0

Interest Summary As of 06/20, a total of $5.93 in

interest was paid this year.

Annual Percentage

Yield Earned (APYE)

Number of days in

interest period

Average collected

balance for APYE

Interest

Earned this

period

0.01% 34 39,985.61 .37

Page 4 of 10

Virtual Wallet With Performance Select Statement

For the period 05/18/2023 to 06/20/2023

For 24-hour information,sign on to PNC Bank Online Banking KAREN M CHRISTIE on pnc.com Primary account number: 55-7037-3231

Account Number: 55-7037-3231 - continued

Activity Detail

Deposits and Other Additions There were 4 Deposits and Other Date Amount Description Additions totaling $723.26. 05/26 26.08 Direct Deposit - Payment Crs Energy Llc Jlh004

05/31 644.87 Direct Deposit - Pension

MD STATE RETMT 35880859

06/12 51.94 Debit Card Credit Wal-Mart #1656 Meadville PA

06/20 .37 Interest Payment

Checks and Substitute Checks

Check

number Amount

Date

paid

Reference

number

Check

number Amount

Date

paid

Reference

number

3191 540.00 05/25-018******

3192 142.00 06/01-011******

3193 168.00 06/01-011******

3194 46.00 06/07-015******

3196 * 351.00 06/08-079******

3197 6,000.00 06/20-070******

3269 * 1,200.00 06/05-013******

3270 6,311.20 05/30-019******

* Gap in check sequence There were 8 checks listed totaling

$14,758.20.

Banking/Debit Card Withdrawals and Purchases There were 5 Banking Machine withdrawals totaling $900.00.

There were 52 Debit Card/Bank card

PIN POS purchases totaling

$2,594.49.

There were 33 other Banking

Machine/Debit Card deductions

totaling $1,728.64.

Date Amount Description

05/18 89.00 0064 Debit Card Purchase Llbean-Direct 05/19 45.77 0064 Debit Card Purchase Kwik Fill 167 Meadvil

05/22 9.33 POS Purchase Kwik Fill 174 Cambridge Sp PA

05/22 69.82 POS Purchase Dollar-General Cambridge Sp PA

05/22 11.47 POS Purchase Kwik Fill 174 Cambridge Sp PA

05/22 173.83 N0522 0064 Payment Armstrong Cabl Butler PA

05/22 28.60 POS Purchase The Home Depot Meadville PA 05/22 26.38 POS Purchase Giant Eagle #0 Meadville PA 05/23 237.50 0064 Debit Card Purchase Roberts Jewelers 05/23 64.12 POS Purchase Giant Eagle #0 Meadville PA 05/23 12.36 POS Purchase Giant Eagle #0 Meadville PA 05/23 35.06 POS Purchase Country Fair # Meadville PA 05/23 16.33 POS Purchase Sheetz 0337 Meadville PA

05/24 47.75 0064 Debit Card Purchase Kwik Fill 167 Meadvil

05/25 15.00 0064 Debit Card Purchase Meadville Medical Cent

05/25 35.45 POS Purchase Sheetz 0337 Meadville PA

05/25 131.92 POS Purchase Wal-Mart #1656 Meadville PA 05/25 13.19 POS Purchase Giant Eagle #0 Meadville PA 05/26 33.55 0064 Debit Card Purchase Kwik Fill 174 05/26 12.24 POS Purchase Kwik Fill 174 Cambridge Sp PA

Banking/Debit Card Withdrawals and Purchases continued on next page Page 5 of 10

Virtual Wallet With Performance Select Statement

For the period 05/18/2023 to 06/20/2023

For 24-hour information,sign on to PNC Bank Online Banking KAREN M CHRISTIE on pnc.com Primary account number: 55-7037-3231

Account Number: 55-7037-3231 - continued

Banking/Debit Card Withdrawals and Purchases - continued Date Amount Description

05/30 29.82 0064 Debit Card Purchase Kwik Fill 167 Meadvil

05/30 39.90 0064 Recurring Debit Card Clickfreescore.com 85

05/30 14.99 0064 Recurring Debit Card Plushcare 855-559

-228

05/30 4.95 POS Purchase Dollar-General Cambridge Sp PA

05/30 31.92 POS Purchase Kwik Fill 174 Cambridge Sp PA

05/30 48.02 POS Purchase Kwik Fill 170 Edinboro PA 05/30 25.75 0064 Debit Card Purchase Presque Isle

Partnersh

05/30 79.61 POS Purchase CVS/Pharmacy # Meadville PA 05/30 200.00 ATM Withdrawal 868 Park Avenue Meadville PA

05/30 9.20 0064 Debit Card Purchase Kfc D080004

Meadville

05/30 18.12 POS Purchase Dollar-General Cambridge Sp PA

05/31 44.68 0064 Debit Card Purchase Get Go #3435

Edinboro

05/31 13.98 POS Purchase Wal-Mart #3253 Edinboro PA 05/31 35.11 POS Purchase Wal-Mart Super Edinboro PA 05/31 200.00 ATM Withdrawal 868 Park Avenue Meadville PA

05/31 7.84 POS Purchase USPS PO 415244 Meadville

PA

06/01 15.96 0064 Debit Card Purchase Mcdonalds 5532 06/01 29.11 0064 Debit Card Purchase Taco Bell 726119 06/01 5.50 0064 Debit Card Purchase Wendys 8768

Edinboro

06/01 6.95 0064 Debit Card Purchase Dairy Supreme

Edinbor

06/01 300.00 0064 Debit Card Purchase Bert's Bikes and Fitne

06/01 64.27 POS Purchase Sheetz 0337 Meadville PA

06/02 45.00 0064 Debit Card Purchase Queen Nails and Spa

06/02 11.49 0064 Debit Card Purchase Dunkin #357751 06/02 4.50 POS Purchase Dollar-General Cambridge Sp PA

06/02 7.88 POS Purchase Kwik Fill 174 Cambridge Sp PA

06/02 4.41 0064 Debit Card Purchase Sum Pizza Place 06/02 94.72 POS Purchase Giant Eagle #0 Meadville PA 06/02 103.72 POS Purchase Giant Eagle #0 Meadville PA 06/05 30.00 0064 Debit Card Purchase Medexpress

Meadville

Banking/Debit Card Withdrawals and Purchases continued on next page Page 6 of 10

Virtual Wallet With Performance Select Statement

For the period 05/18/2023 to 06/20/2023

For 24-hour information,sign on to PNC Bank Online Banking KAREN M CHRISTIE on pnc.com Primary account number: 55-7037-3231

Account Number: 55-7037-3231 - continued

Banking/Debit Card Withdrawals and Purchases - continued Date Amount Description

06/05 13.82 0064 Debit Card Purchase Starbucks Store 63580

06/05 58.49 POS Purchase Sheetz 0334 Edinboro PA

06/05 172.64 POS Purchase Wal-Mart #3253 Edinboro PA 06/05 31.75 0064 Debit Card Purchase Sweet Anchor Llc 06/05 200.00 ATM Withdrawal 868 Park Avenue Meadville PA

06/06 49.93 POS Purchase Kwik Fill 174 Cambridge Sp PA

06/06 10.60 POS Purchase Dollar-General Cambridge Sp PA

06/06 32.59 POS Purchase Kwik Fill 174 Cambridge Sp PA

06/06 445.08 POS Purchase Bert's Bikes A Erie PA

06/06 37.61 POS Purchase Wm Supercenter Erie PA

06/07 23.20 0064 Debit Card Purchase Pita Pit - Erie PA Er

06/07 100.00 ATM Withdrawal 868 Park Avenue Meadville PA

06/08 30.34 POS Purchase Rite Aid 02380 Meadville PA 06/08 9.42 0064 Debit Card Purchase Subway 7611

Meadville

06/08 14.43 POS Purchase Country Fair # Meadville PA 06/09 29.42 POS Purchase CVS/Pharmacy # Meadville PA 06/09 21.59 POS Purchase Sheetz 0153 Meadville PA

06/09 3.49 POS Purchase Giant Eagle #0 Meadville PA 06/09 11.45 POS Purchase Kwik Fill 174 Cambridge Sp PA

06/09 200.00 ATM Withdrawal 868 Park Ave Meadville PA 06/09 89.54 POS Purchase Wm Supercenter Meadville PA 06/12 13.76 0064 Debit Card Purchase Ajsp Llc Meadville PA

06/12 58.69 0064 Debit Card Purchase Smoker Friendly

#10

06/12 58.50 POS Purchase Giant Eagle #0 Meadville PA 06/12 39.81 0064 Debit Card Purchase Kwik Fill 167 Meadvil

06/12 38.56 POS Purchase Sheetz 0334 Edinboro PA

06/12 7.78 POS Purchase Sheetz 0334 Edinboro PA

06/13 18.70 POS Purchase Dollar-General Cambridge Sp PA

06/14 38.61 0064 Debit Card Purchase Sheetz 0382

Hermitage

06/15 37.08 POS Purchase Walgreens Stor Meadville PA 06/15 9.42 POS Purchase Sheetz 0153 Meadville PA

06/15 114.82 POS Purchase Giant Eagle #0 Meadville PA 06/16 24.34 0064 Debit Card Purchase USPS PO

415-***-****

Banking/Debit Card Withdrawals and Purchases continued on next page Page 7 of 10

Virtual Wallet With Performance Select Statement

For the period 05/18/2023 to 06/20/2023

For 24-hour information,sign on to PNC Bank Online Banking KAREN M CHRISTIE on pnc.com Primary account number: 55-7037-3231

Account Number: 55-7037-3231 - continued

Banking/Debit Card Withdrawals and Purchases - continued Date Amount Description

06/20 219.08 0064 Debit Card Purchase Crawford Co

Veterinary

06/20 107.99 POS Purchase Giant Eagle #0 Meadville PA 06/20 1.00 0064 Recurring Debit Card

Otl*Scoresense.Com

06/20 19.62 POS Purchase Kwik Fill 174 Cambridge Sp PA

06/20 40.38 POS Purchase Giant Eagle #0 Meadville PA 06/20 75.17 POS Purchase Sheetz 0153 Meadville PA

06/20 78.36 POS Purchase Wal-Mart #2278 Erie PA

Online and Electronic Banking Deductions There were 14 Online or Electronic Banking Deductions totaling

$38,245.34.

Date Amount Description

05/18 242.47 Web Pmt Recur- Pcs Svc T-Mobile 1483842 05/18 230.96 Online Transfer To 0000006078543213

05/19 200.00 Online Transfer To 0000006078543213

05/19 150.00 Online Transfer To 0000006078543213

05/24 34,000.00 Online Transfer To 0000006015251432 05/25 459.45 Online Transfer To 0000006078543213

05/25 650.00 Online Transfer To 0000006078543213

06/01 296.48 Online Transfer To 0000006078543213

06/01 1,000.00 Zel To Christopher Roekchairasme

06/05 77.70 Direct Payment - Insurance

AFLAC Pxxxxxxxxxx3153

06/08 334.04 Online Transfer To 0000006078543213

06/15 160.00 ACH Tel ACH Pmt Amex Epayment S5676

06/16 218.35 Online Transfer To 0000006078543213

06/20 225.89 Web Pmt Recur- Pcs Svc T-Mobile 9665728 Other Deductions There was 1 Other Deduction

Date Amount Description totaling $100,000.00.

05/24 100,000.00 Txf To CDA # 000************

Daily Balance Detail

Date Balance Date Balance Date Balance Date Balance 05/18 160,296.41

05/19 159,900.64

05/22 159,581.21

05/23 159,215.84

05/24 25,168.09

05/25 23,323.08

05/26 23,303.37

05/30 16,489.89

05/31 16,833.15

06/01 14,804.88

06/02 14,533.16

06/05 12,748.76

06/06 12,172.95

06/07 12,003.75

06/08 11,264.52

06/09 10,909.03

06/12 10,743.87

06/13 10,725.17

06/14 10,686.56

06/15 10,365.24

06/16 10,122.55

06/20 3,355.43

ARBITRATION PROVISION (continued)

Arbitration costs. The parties shall pay filing, administrative, and arbitrator fees in accordance with the administrator's rules, unless applicable law requires a different allocation. This means that you will be responsible for paying your share of the administrator's filing fees unless you obtain a waiver of fees from the administrator. However, if you send us a written signed request at our Notice Address requesting that we pay your share of the fees and stating that you tried but were unable to obtain a fee waiver after submitting Page 8 of 10

Virtual Wallet With Performance Select Statement

For the period 05/18/2023 to 06/20/2023

For 24-hour information,sign on to PNC Bank Online Banking KAREN M CHRISTIE on pnc.com Primary account number: 55-7037-3231

Account Number: 55-7037-3231 - continued

the documentation required by the administrator, and if your request is made in good faith, we will pay or reimburse you for your share of the filing fees charged by the administrator. What law the arbitrator will apply. The arbitrator will not be bound by judicial rules of procedure and evidence that would apply in a court, or by state or local laws that relate to arbitration proceedings. However, the arbitrator will apply the same statutes of limitation, evidentiary privileges, and applicable substantive law that a court would apply if the matter were pending in court. The arbitrator may consider rulings in arbitrations involving other customers, but an arbitrator's ruling will not be binding in proceedings involving different customers. In addition, the arbitrator has the same power as a federal court to impose sanctions against any represented party or counsel for any violation of the standards of Federal Rule of Civil Procedure 11(b) or 28 U.S.C. section 1927. The arbitrator's decision and award. At the timely request of either party, the arbitrator shall provide a brief written explanation of the grounds for the decision. The arbitrator may award any damages or other relief or remedies (including statutory awards of attorneys' fees) available under applicable law, as limited in the Class Action Waiver and Public Injunctive Relief Waiver below, in an individual action brought in court. If the arbitrator finds that you or we have violated the standards of Federal Rule of Civil Procedure 11(b) or 28 U.S.C. section 1927, if permitted by applicable law, the arbitrator may reallocate compensation, expenses, and administrative fees (which include filing and hearing fees) as justice requires. Effect of arbitration Award; appeal. The arbitrator's award shall be final and binding on all parties, except for any right of judicial review provided by the Federal Arbitration Act. Federal Arbitration Act

This Agreement evidences a transaction in interstate commerce, and thus the Federal Arbitration Act governs the interpretation and enforcement of this Arbitration Provision. CLASS ACTION WAIVER

If either you or we elect to arbitrate a Claim, neither you nor we will have the right: (a) to participate in a class action, private attorney general action or other representative action in court or in arbitration, either as a class representative or class member; or (b) to join or consolidate Claims with claims of any other persons (except for co-account owners). No arbitrator shall have authority to conduct any arbitration in violation of this provision or to issue any relief (including damages, restitution, or declaratory relief) that applies to any person or entity other than you and/or us individually. The parties acknowledge that this Class Action Waiver is material and essential to the arbitration of any Claims and is non-severable from this Arbitration Provision. If (after exhaustion of all appeals) a court finds that this Class Action Waiver is unenforceable, then any non-arbitrable aspects of the Claims will proceed in court after all other arbitrable aspects of the Claims are arbitrated. The parties acknowledge and agree that under no circumstances will a class action be arbitrated.

PUBLIC INJUNCTIVE RELIEF WAIVER

If either you or we elect to arbitrate a Claim, neither you nor we will have the right to seek a public injunction, if such a waiver is permitted by the FAA. If (after exhaustion of all appeals) a court decides that this Public Injunctive Relief Waiver is unenforceable, any request for a public injunction will be decided in court after all other Claims are arbitrated. In no event will an arbitrator be permitted to issue a public injunction.

Conflicts; Severability; Survival

In the event of a conflict between the provisions of this Arbitration Provision and the AAA rules, or any other terms of the Agreement, the provisions of this Arbitration Provision shall control. If any part of Page 9 of 10

Virtual Wallet With Performance Select Statement

For the period 05/18/2023 to 06/20/2023

For 24-hour information,sign on to PNC Bank Online Banking KAREN M CHRISTIE on pnc.com Primary account number: 55-7037-3231

Account Number: 55-7037-3231 - continued

this Arbitration Provision is deemed or found to be unenforceable for any reason, the remainder shall be enforceable, except as provided by the Class Action Waiver or Public Injunctive Relief Waiver. This Arbitration Provision shall survive (1) the closing of your Account and the termination of any relationship between us, including the termination of the Agreement, and (2) survive any bankruptcy to the extent consistent with applicable bankruptcy law.

RIGHT TO OPT OUT

You may opt out of arbitration by sending us a written notice (the "Opt Out Notice"). To be effective, an Opt Out Notice must (1) include the Account holder name, address, phone number, and Account number(s); (2) state that you are opting out of the Arbitration Provision in your Account Agreement for the listed Account numbers; (3) be sent to us at PNC Bank, Attn: Arbitration Opt Out, P.O. Box 535229, Pittsburgh, PA 15253-5229; (4) be signed personally by all account owners; and (5) be postmarked within forty-five (45) days after either (i) the date we first delivered or otherwise provided you with an arbitration provision, in paper or electronic form, or (ii) the day you open your Account, whichever is later. Your decision to opt out will not affect any other term in this Account Agreement. If the Arbitration Provision of your Account Agreement has already been delivered or otherwise made available to you, amendments to your Account Agreement will not give you a new right to opt out of this Arbitration Provision, unless we amend a substantive clause of the Arbitration Provision.

Member FDIC Equal Housing Lender

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