Antonio Lara Brief History Founded 1852 Roots in

Antonio Lara

Brief History Founded: 1852; Roots in banking dating to before the Civil War � � � PNC has grown into one of the leading financial services organizations in the country Recognized nationally and regionally for its accomplishments and success More than $263 billion in assets For more than 150 years, PNC has been committed to providing clients with great service and powerful financial expertise PNC offers a wide range of services for all customers: from individuals and small businesses, to corporations and government entities.

Location � Provide services to more than 5 million consumer and small business customers � Locations Columbia across 15 states and the District of � More than 2, 500 branches and 6, 700 ATM machines � Also have an online banking site

Imaging/Branding � Claim: No matter how simple or complicated your needs, we're sure to have the products, knowledge and resources necessary for financial success � Constantly � Try help out the communities to build a diverse costumer base by: ◦ Providing culturally sensitive advertisements rather than just translations of English-language ads ◦ Expanding their multi-language Web presence along with focused print, radio and television advertisements ◦ Addressing customer concerns in 140 languages

Services � Checking � Online & Mobile Banking � Savings � Mortgages, Loans & Lines of Credit � Credit Cards � Investments & Wealth Management � Insurance � Account Services

Checking � � � � � � Free Checking $25 minimum to open No minimum balance requirement and no monthly service charge Performance Checking $25 minimum to open Requirements to avoid monthly service charge: Maintain $1, 500 monthly balance in this account, OR Maintain $10, 000 combined average monthly balance in linked PNC consumer accounts, OR Maintain a qualifying aggregate monthly direct deposit (such as payroll, pension or Social Security) of $2, 000 or more per statement period $10 monthly service charge if none of the requirements are met Performance Select Checking $25 minimum to open Requirements to avoid monthly service charge: Maintain $5, 000 combined average monthly balance in this and up to 8 linked PNC consumer checking accounts , OR Maintain $25, 000 combined average monthly balance in this and up to 8 linked PNC consumer checking, savings or money market accounts, and/or an investment account $25 monthly service charge if none of the requirements are met

Savings � � � ‘S’ Is For Savings $25 minimum to open Helps young children learn financial basics Make unlimited deposits (including transfers into the account) No withdrawal fees if under 18. Otherwise, get 3 free withdrawals per month then $3 for each additional withdrawal if the balance falls below $1, 500. There is no service charge for account holders under 18. If you are 18 or older, maintain a $400 monthly balance to avoid a $4 monthly service charge Statement Savings If you want to start a savings plan easily, for short- or long-term goals $25 minimum to open $1, 500 Average balance to avoid withdrawal fees Free for under 18. If not, $4 monthly fee. � Transfers of $25 to avoid monthly fees � Premium Money Market � � If you want to get rewarded with higher interest rates for high balances with easy access to your money $100 minimum to open $1000 monthly balance to avoid fees If not met, $4 fee

Mortgages, Loans & Lines of Credit Mortgages � Home Equity � Auto Loans � Education Loans � Personal Loans & Lines of Credit � Investments & Wealth Management PNC Investments offers advice and planning on investment products and services best suited to meeting your immediate and long-term financial objectives. PNC Wealth Management and Hawthorn offer complete wealth management solutions designed for clients with significant assets and complicated financial lives.

Online & Mobile Banking � Mobile Banking ◦ Check your balance, review recent transactions, pay a bill, and transfer money between your accounts, right from your mobile phone � Online Bill Pay ◦ Manage all your bills in one place, pay your bills in just minutes, and even receive your bills online. � Transfer Funds ◦ Move money between your PNC accounts and your accounts elsewhere, even send money to friends and family with just their email address or mobile phone number. � Alerts ◦ Receive email and in many cases text message alerts informing you of changes to your online banking profile or key activity on your accounts and cards. � Online Statements ◦ Enjoy access to statements, checks and deposit images � Online Banking With Quicken ◦ Option to export transaction information or download transactions for your PNC Banking checking, savings or money market accounts into you Quicken or Quick. Books software.

Insurance � Home Insurance � Accident Insurance � Membership Services � Discount Healthcare Services ◦ Can help protect one of your most treasured assets with a choice of products. ◦ Accidental Death & Dismemberment insurance can help protect you and your family from medical costs resulting from injury. ◦ A program available to PNC customers to help prevent identity theft or credit fraud from causing unnecessary loss of time, money and frustration. ◦ Receive discounts for prescription drugs, dental care, eyewear, hearing aids and chiropractic services through a nationwide network of health care providers.

Account Services � � � � � � PNC points Quick Switch Online Banking and Bill Payment Online Statements Mobile Banking PNC Bank Visa® Check Card Auto Savings Turbo. Tax Replacement Cards PNC Bank Visa® Card Bill Pay. Automatic Payments PNC Bank Visa Gift Card Visa Rewards Direct Deposit Overdraft Protection PNC Alerts Automatic Check Reorder Check Safekeeping Check Imaging-Copies Incoming Wire Transfer Instructions Change of Address Telephone Banking Services Telephone Bill Payment Identity Theft Protection