PLEASE READ THE FOLLOWING TERMS AND CONDITIONS CAREFULLY. THEY GOVERN YOUR ACCESS AND USE OF THIS WEBSITE.

BY ACCESSING OR USING THIS WEBSITE, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS AND ACCEPT THEM IN FULL, AS THEY MAY BE MODIFIED BY PNC BANK (for purposes of these terms and conditions the term "PNC Bank" includes PNC Bank's affiliates, as applicable) FROM TIME-TO-TIME AND POSTED ON THIS WEBSITE.

No Warranties. Although PNC Bank attempts to provide accurate information, names, images, pictures, logos, icons, documents, and materials (collectively, the "Contents") on the Website, it makes no representation, endorsement, or warranty that such Contents are accurate or suitable for any particular purpose. THE WEBSITE AND ITS CONTENTS ARE PROVIDED ON AN "AS IS" BASIS. USE OF THE WEBSITE AND ITS CONTENTS IS AT THE USER'S SOLE RISK. THE WEBSITE AND ITS CONTENTS ARE PROVIDED WITHOUT ANY REPRESENTATIONS, ENDORSEMENTS, OR WARRANTIES OF ANY KIND WHATSOEVER, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF TITLE OR ACCURACY AND ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT, WITH THE SOLE EXCEPTION OF WARRANTIES (IF ANY) WHICH CANNOT BE EXPRESSLY EXCLUDED UNDER APPLICABLE LAW. AS NOTED BELOW, PNC BANK ALSO MAKES NO REPRESENTATIONS, ENDORSEMENTS, OR WARRANTIES, EITHER EXPRESS OR IMPLIED, WITH RESPECT TO ANY WEBSITE OPERATED BY A THIRD PARTY.

Without limitation as to the foregoing, PNC Bank makes no representation, warranty or guarantee regarding your use of WebTurboTax^SM. You should seek professional tax advice for any questions or issues. Also without limitation as to the foregoing, PNC Bank makes no representation, warranty or guaranty regarding your use of WSJIE^SM. Finally without limitation as to the foregoing, in regard to The MarketPlace area of the Website, PNC Bank does not endorse, guarantee, represent, warrant or recommend the products and/or services nor their accuracy, completeness, or usefulness. Any opinions, judgments, advise, statements, services, offers or other information are those of the author or distributor and not PNC Bank.

Limitation of Liability. IN NO EVENT WILL PNC BANK OR ITS SUBSIDIARIES, AFFILIATES, CONTRACTORS, OR THEIR RESPECTIVE EMPLOYEES BE LIABLE FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, WHETHER UNDER A CONTRACT, TORT OR ANY OTHER THEORY OF LIABILITY, ARISING IN CONNECTION WITH ANY PARTY'S USE OF THE WEBSITE OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, LINE SYSTEM FAILURE, LOSS OF DATA, OR LOSS OF USE RELATED TO THIS WEBSITE OR ANY WEBSITE OPERATED BY ANY THIRD PARTY OR ANY CONTENTS OF THIS WEB SITE OR ANY OTHER WEBSITE, EVEN IF PNC BANK IS AWARE OF THE POSSIBILITY OF SUCH DAMAGES.

Use of Website. Contents are included in this Website solely for the personal use of Website users. You may not copy (other than a copy for personal use), modify, distribute, transmit, display, perform, reproduce, transfer, resell, or republish any of the Contents of this Website without the prior written consent of PNC Bank, which may be withheld in its sole discretion.

Copyrights and Other Intellectual Property. Except where otherwise expressly noted or as noted below, all Contents of this Website, including the graphics, icons and overall appearance of the Website, are the sole and exclusive property of The PNC Financial Services Group, Inc., Pittsburgh, Pennsylvania. and/or its subsidiaries or affiliates. Certain of PNC Bank's trademarks and/or servicemarks are also listed below. The posting of the Contents of this Website neither constitutes a waiver of any of PNC Bank's proprietary rights or any other party's proprietary rights, including but not limited to, copyrights, trademarks, servicemarks, patents, and other intellectual property, nor a transfer by implication, estoppel, or otherwise of any such rights or of any license to the Website user or to any third party. Contents of this Website are protected by United States and international copyright laws, both as individual works and as a collection and by United States and international trademark laws. You agree not to delete any copyright, trademark or similar notice from any Contents you obtain from the Website.

eduloans.pncbank.com^SM is a trademark of The PNC Financial Services Group, Inc.

Account Link^SM, Capital Directions^SM, Choice Plan^SM, Customized Banking^SM, PINACLE^SM, PNCBANK^®, PNC Capital Markets^SM, PNC Private Bank^SM, Premium Plan^®, Reflex^®, Retirement Directions^SM, PNC Bank Online For Business^SM, Vested Interest^®, PNC Merchant Services^® and PNC Prime Access^® are service marks and/or registered trademarks of The PNC Financial Services Group, Inc.

The Resource Loan^® is a registered trademark of The PNC Financial Services Group, Inc.

Internet Explorer^® is a registered trademarks of Microsoft Corporation in the United States and/or other countries.

Netscape^® is a registered trademark of the Netscape Communications Corporation.

Adobe^®, and Acrobat Reader^® are registered trademarks of the Adobe Corporation.

KeystoneBEST^SM and aesBEST^SM are servicemarks of American Education Services.

Diamond Benefits^® is a registered trademark of the Brazos Higher Education Services Corporation.

Loans By Web^TM is a trademark of Texas Guaranteed Student Loan Corporation.

The display of the above trademarks within this Website does not grant a license of any kind to the reader. Any downloading of material contained in the site, or of any site linked to the site may be a violation of federal trademark and copyright laws. Any downloading of Contents of this Website or any website linked to this Website may be a violation of federal and other trademark laws and federal copyright laws.

Links to Other Websites. PNC Bank may establish links between this Website and one or more Websites operated by third parties. PNC Bank has no control over any such other Websites or the contents therein. The existence of any such links shall not constitute an endorsement by PNC of such Websites, the contents of the Websites, or the operators of the Websites.

Transmissions to and from this Website. Except where expressly indicated otherwise, transmissions to and from this Website or directed to PNC Bank, including E-mails, are not sent in a secure form and can be intercepted by third parties and may not be immediately received by the appropriate business unit at PNC Bank. Please do not use E-mail to send us communications which contain confidential information, which we require to be in writing, or which need our immediate attention. Please call 1-800-366-9208 or write us instead at this address: PNC Bank, USX Tower, 600 Grant Street, Mailstop P6PUSX-36-1, Pittsburgh, PA 15219, Attention: Web Site Customer Service. Any transmission to this Website, including E-mails shall be deemed and remain the property of PNC Bank. PNC Bank shall be free to use, for any purpose, any ideas, concepts, know-how, or techniques provided by a Website user to PNC Bank through this Website.

Available Only Where Permitted by Law. The products and services of PNC Bank, PNC Mortgage Corp. of America, BlackRock Funds, PNC Investments, PNC Capital Markets and other PNC Bank affiliates are available only in the United States and other countries where permitted by law.

Modifications. PNC Bank may at any time make modifications, changes, and alterations to the Contents of this Website, including these Terms and Conditions, without prior notice. You are responsible for regularly reviewing these terms and conditions. Your continued use of this Website following any modifications, changes, or alterations shall constitute your acceptance of such modifications, changes, or alterations.

Governing law. These Terms and Conditions shall be governed by and construed in accordance with the law of the Commonwealth of Pennsylvania, without regard to the conflict of laws thereof, and to the laws of the United States.

Venue. Disputes arising from the use of this Website shall be exclusively subject to the jurisdiction of the of any federal or state court for the Western District of Pennsylvania or the county of Allegheny.

Severability. To the extent any portion of these Terms and Conditions is determined to be unenforceable by a court of competent jurisdiction, such portion will be modified by the court solely to the extent necessary to cause such portion to be enforceable, and these Terms and Conditions, as so modified, shall remain in full force and effect.

Waiver. No waiver by PNC Bank of any right under or term or provision of these Terms and Conditions will be deemed a waiver of any other right, term, or provision of these Terms and Conditions at that time or a waiver of that or any other right, term, or provision of these Terms and Conditions at any other time.

Service Contact. You may contact PNC Bank by E-mail link to E-mail or by phone at 1-800-366-9208 or by mail to PNC Bank, USX Tower, 600 Grant Street, Mailstop: P6-PUSX-36-1, Pittsburgh, PA 15219, Attention: Web Site Customer Service with questions or problems with this Website.

Other Information. Brokerage services are provided by PNC Investments LLC, member NASD and SIPC. PNC Bank is not a broker-dealer.