Antonio Lara

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.

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

 Claim: No matter how simple or complicated your needs, we're sure to have the products, knowledge and resources necessary for financial success  Constantly help out the communities  Try 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

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

 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 $1,500monthly 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

 ‘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  Home Equity  Auto Loans  Education Loans  Personal Loans & Lines of Credit 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.

 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 address or mobile phone number.  Alerts ◦ Receive 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 QuickBooks software.

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

 PNC points  Quick Switch  Online Banking and Bill Payment  Online Statements  Mobile Banking  PNC Bank Visa® Check Card  Auto Savings  TurboTax  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