STUDENT BANKING ACHIEVE. more with your money

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1 STUDENT BANKING ACHIEVE more with your money

2 You re starting on an exciting path to your future. Many new opportunities await you and many responsibilities, too including managing your money. PNC can help you keep it all under control with bank accounts and services designed just for you.

3 PNC STUDENT BANKING CASE WESTERN RESERVE UNIVERSITY AND PNC HAVE TEAMED UP TO MAKE BANKING EASIER PNC helps you make smart decisions about money with tools that put you in charge: Checking with no monthly service charge 1 and no minimum balance requirements Online, Mobile 2 and Text Message banking Free PNC Bank Visa Check Card designed just for Case Western Reserve University Free access to your money at PNC ATMs near campus or at one of the 6,700+ PNC ATMs Overdraft protection including one courtesy overdraft fee refund on your first overdraft/ nonsufficient funds event occurring within the first 12 months after opening your account 3 One free domestic or international incoming wire transfer per month Free or text message PNC Alerts informing you of activity on your account pnc.com/cwru

4 PNC STUDENT BANKING ACHIEVE SUCCESS WITH STUDENT MONEY MANAGEMENT TOOLS You re on the rise and ready to take on new challenges you need a banking solution that meets your needs. PNC Bank offers student banking that helps you learn how to put your money to work for you. Managing your money has never been easier, and you ll have the tools to build good credit and a solid financial future at the same time. With Virtual Wallet Student, you get three accounts that work together to help you spend, save and grow your money. GET CONNECTED! Link your CaseOneCard to your PNC Bank account(s) and it becomes your ATM card, too. Swipe it to get into your dorm, pay for meals, do your laundry, withdraw cash and more!

5 ACHIEVE FREEDOM GO MOBILE: Use the Virtual Wallet Mobile App for iphone and Android devices. The app features many of the same tools you use online, like Money Bar and Calendar. You can even deposit checks on the go using Mobile Deposit. Don t have a smartphone? No problem! Enroll to use Text Banking and you can receive text messages with all the account information you need. 4 BRANCHES AND ATMs: We re close to campus with a PNC Branch at: University Circle, 2025 Stokes Blvd Stop in to open an account, transfer funds, or get help. And with 5 ATMs on campus, you can get cash fast or deposit a check 24 hours a day/ 7 days a week. MONEY FROM HOME: Anyone can deposit money into your account: Mom, Dad, relatives and even roommates which helps when splitting rent and utilities. And they don t have to be PNC Bank customers. If they are, they can transfer money directly through PNC Online Banking. INTERNATIONAL SERVICES: Choose from different languages at most of our ATMs, or get language interpretation over the phone call centers support 170 languages. Plus, get one free international wire transfer per month. Call PNC-BANK, 6AM midnight ET, 7 days a week for more info.

6 PNC + Virtual Wallet = Greatest Banking Feature EVER! Deposited my first check with the PNC Virtual Wallet app :) I love my PNC Bank Virtual Wallet. I will no longer stress about money, and it s a wonderful feeling. ACHIEVE CONFIDENCE SPEND: Your primary checking account. Use your Spend account to pay bills by check or through Online Bill Pay, as well as to make ATM withdrawals and everyday purchases. Best of all, it works in harmony with your Reserve account. RESERVE: Your short-term savings account. It also functions as your primary Overdraft Protection account. If you overdraw it, PNC automatically transfers money from your Reserve account to your Spend account. Your Reserve account is a great way to save up for things like an ipod, a road bike or a digital camera. GROWTH: Your long-term savings account. It also acts as your secondary Overdraft Protection. Make up to 6 transfers or transactions per month without charge. 5 The high-yield interest rate 6 makes it perfect for you to build savings and grow financially. Put money into your Growth account to save up for bigger, life-changing needs down the road to buy a car, or to help pay off college loans.

7 I really enjoy my PNC Virtual Wallet Student. Thanks for making my life easier! CALENDAR: Track your deposits and expenses by the day, the week or the month right on your Calendar. Use it to plan your spending and receive Alerts when your account is running low. Your Calendar comes already customized with Case Western Reserve University events and reminders. VIE W A QUICK VIDEO that highlights all the features of Virtual Wallet Student. Scan this QR code with your smartphone to go right to the site, or visit the URL below. pnc.com/cwru

8 MONEY 101 Get the basics on managing your money as you head off to school, while you re in school and after you leave school at pnc.com/pncmoney101. KEEPING IT GREEN Go to pnc.com/green to learn more about our corporate commitment to building, being and banking green. To get going: Visit your nearby PNC Bank branch Go to pnc.com/cwru Call PNC AM 10PM ET M F and 8AM 5PM ET Sat Sun TT: Android is a trademark of Google Inc. iphone is a trademark of Apple Inc. 1 If you exceed the three-check limit, you will be charged a fee of $.50 per check. 2 PNC does not charge a fee for Mobile Banking. However, third party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply. Also, a supported mobile device is needed to use the Mobile Banking App. Mobile Deposit is a feature of PNC Mobile Banking. Use of the Mobile Deposit feature requires a supported camera-equipped device and you must download a PNC mobile banking app. Eligible PNC Bank account and PNC Bank Online Banking required. Certain other restrictions apply. See the mobile banking terms and conditions in the PNC Online Banking Service Agreement. 3 Although the fee may be refunded, the transaction will be considered an overdraft or nonsufficient funds (NSF) occurrence when determining any subsequent overdraft of NSF fee. 4 Standard text message rates apply. 5 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 preauthorized 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 Money Market or Savings account to a Free Checking account. 6 To qualify for the high yield rate, you must have 5 or more PIN and/ or signature point-of-sale transactions (excluding cash advances) during the previous calendar month on your Spend account using your Virtual Wallet Visa Check Card or your Visa credit card linked with your Virtual Wallet online view. Starting with the calendar month following when you open your Virtual Wallet and monthly thereafter, whether the account earns the standard or the relationship rate for the entire calendar month will be determined on the first of the month based upon the number of qualifying transactions for the previous calendar month. Printed on paper containing 100% post-consumer waste. FPO Cert no. SW-COC % 2011 The PNC Financial Services Group, Inc. All rights reserved. PNC Bank, National Association. Member FDIC