Why PNC FoR

Manufacturers

> Maximize your Cash Flow> Ensure Access to the

Capital you Need> Access Comprehensive

Foreign Exchange Capabilities> Attract and Retain the

Best Employees> Balance Business Finances

With Personal Goals

B U S I N E S SB A N K I N G

Conducting Everyday BusinessManaging business cash flow starts with the right foundation to effectively handle everyday transactions. We offer a choice of business checking solutions that come complete with a selection of cash flow options to address your specific cash management requirements. Your PNC Business Relationship Manager can help you determine the PNC Business Checking account that best meets your needs.

Manufacturers Checking – Offers a variety of added features and benefits designed to meet the unique needs of manufacturing businesses.

Accelerate the Collection of ReceivablesWe make it simple to accelerate your cash flow by streamlining your systems for collecting payments and managing receivables.

Merchant Services - PNC Merchant Services® can process your customer payments whether business is done face-to-face or through an e-commerce solution. You can also get next-day funding on Visa®, MasterCard® and Discover® payment processing transactions when payments are deposited into a PNC Business Checking account.

Remote Deposit for Business1 – Deposit checks 24/7 from your business without making a trip to the bank.

Treasury Management Services – Simplify your accounting and expedite the processing of receivables with a selection of sophisticated services.

> Lockbox Reporting/Tracking We provide you with same-day access to receivables information from all of your PNC lockbox locations.

Improve the Ways You Make PaymentsWe can help you reduce the time and costs involved with paying bills, as well as provide better control over the timing of payments.

Funds Transfer Services – Offer a high speed, secure electronic payment solution that enables you to send or receive payments needed for same-day settlement.

Online Bill Pay – Save time and money by paying your bills online and scheduling future or recurring payments with just a few clicks.

Online Payroll – Process your payroll in a fraction of the time it takes to do manually, anytime you want from anywhere with Internet access. You can also set up direct deposit for your employees at no additional cost to your business.

“Manufacturing isn’t as simple as it used to be. It can be a real challenge to stay on top of all of the trends and technologies that affect our business, so it’s a huge benefit to have a financial services provider who understands our industry and anticipates our needs.”

MANUFACTURERS

Why PNCThe PNC ADvANTAge FOR MANuFACTuReRS

The dynamics of manufacturing are constantly changing, and manufacturers have complex financial needs. You require a custom banking approach to keep your cash flow consistent and predictable through market peaks and troughs – the type of specialized support you receive with the PNC Advantage for Manufacturers.

We understand the unique financial challenges that manufacturers face, as well as the market trends that affect your business, and we know how key factors like inventory, equipment purchasing and demand management impact your cash flow.

Your PNC Business Relationship Manager has broad-based manufacturing experience and delivers customized solutions to help you effectively manage your everyday financial needs and position your business for success.

pnc.com/manufacturers

Invest Your Excess Cash EffectivelyWe offer a variety of savings options that enable you to put your excess funds to work and help meet the short- and long-term liquidity needs of your business.

Premium Business Money Market Account2 – Maintain fast access to your cash while earning competitive returns with the security of FDIC insurance up to the maximum amount permitted by law.

Business Sweep Checking – Your cash surplus is automatically transferred into a money market account at the end of each business day and then transferred back when you need it.

Business Certificates of Deposit – Delivers higher returns than standard savings products, with various principal and maturity options.

Ensure Access to the Capital You Need3

We realize the importance of capital availability to your business, and we’re there to help ensure you have access to the credit you need when responding to cash shortfalls or taking advantage of new opportunities. From commercial mortgages4 to equipment leasing solutions, our wide variety of credit vehicles can be structured with flexible terms for qualifying businesses to help make your cash flow more predictable.

Business Lines of Credit and Term Loans – We offer a selection of secured financing options to put the cash you need at your fingertips.

SBA Financing – Offers loan programs for a variety of borrowing needs with features such as longer repayment terms and lower down payments.

Leverage Online Information and Reporting ToolsOur leading edge online tools can help you make better business decisions by providing you access to the latest information on your cash position.

Online Banking – Accessible 24/7, PNC Online Banking provides you with a complete up-to-date picture of your business finances.

PINACLe® – Delivers powerful web-based Treasury Management tools for businesses with more complex cash management needs.

International ServicesAs your business strategies stretch beyond U.S. borders, turn to PNC to send or receive foreign payments and manage cash flows with a foreign currency account.

Accelerate the Collection of Receivables

UtilizeOnline

Information and Reporting

Tools

InvestYour Excess

Cash Effectively

Improvethe Ways You

Make PaymentsEnsure

Access to Cash WhenYou Need It

Cash Flow

understanding Cash Flow The cash flow cycle can be inconsistent and unpredictable for manufacturers. PNC understands the unique challenges you face and the special role that cash flow plays in your success. That’s why every manufacturer needs a CFO. And now you can have one – your own CFO: Cash Flow Options from PNC.

Attract And Retain The Best EmployeesIt’s critical to attract and retain the right employees. Our value-added programs can help you boost employee loyalty easily and affordably.

PNC WorkPlace Banking – Our employee financial services program allows you to add valuable employee benefits at no cost to your business and with no administrative burdens.

Affordable Retirement Planning – We offer you access to a wide range of flexible employee retirement plan options and can help you choose the program best suited to your needs.

ש2010 The PNC Financial Services Group, Inc. All rights reserved. PNC Bank, National Association. Member FDIC129051

Balance makes you better…

For More Information> Speak with a PNC Business Relationship Manager> Stop by any PNC Bank Branch> Call 1-877-535-6314> Visit us online at pnc.com/manufacturers> TT: 1-800-531-1648

With all of your business responsibilities, your personal finances often come last. You can look to us for a broad spectrum of personal banking solutions that make it easier to balance your business and individual financial objectives.

Personal Checking Solutions Our personal checking solutions provide you with a higher level of performance than other checking accounts, and your personal PNC Performance Checking account is free when your business utilizes select PNC Business Checking accounts5.

Investments and Wealth Management6

We can deliver tailored investment strategies to achieve your financial goals, as well as expert wealth management, estate planning and trust services and business succession strategies.

1 Funds may not be available for immediate withdrawal. Subject to credit approval. Remote deposit users should refer to their remote deposit service agreement and the applicable Funds Availability Policy for your PNC business checking account to determine when your funds will be made available. 2 A federal regulation prohibits you from making more than a total of six 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-sales purchase transactions with a banking card, by pre-authorized 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 Business Money Market account to a Business Basic Checking account. 3 All loans subject to credit approval and may require automatic payment deduction from a PNC Bank Business Checking account. Origination and annual fees may apply. 4 All first mortgage products are offered and provided by PNC Mortgage, LLC, which may arrange loans with third party providers. Information is accurate as of the date of printing and subject to change without notice. PNC Mortgage LLC may not be available in your area. ©PNC Mortgage, LLC. All rights reserved. All credit subject to approval. 5 Please refer to the Consumer Schedule of Service Charges and Fees and the Business Checking Accounts and Related Charges documents. PNC reserves the right to limit the number of free Performance Checking accounts per business relationship.

6 Important Investor Information: The PNC Financial Services Group, Inc. (“PNC”) provides investment and wealth management, fiduciary services, FDIC-insured banking products and services and lending and borrowing of funds through its subsidiary, PNC Bank, National Association, Member FDIC. Securities products and brokerage services are offered through PNC Investments LLC, registered broker-dealer and member of FINRA and SIPC. Insurance products and advice may be provided by PNC Insurance Services, LLC, a licensed insurance agency affiliate of PNC, or by licensed insurance agencies that are not affiliated with PNC; in either case a licensed insurance affiliate will receive compensation if you choose to purchase insurance through these programs. A decision to purchase insurance will not affect the cost or availability of other products or services from PNC or its affiliates.

Bank lending and deposit products and services provided by PNC Bank, National Association, Member FDIC. Merchant Services provided by PNC Merchant Services Company and are subject to credit approval. PNC Online Payroll service is provided by PayCycle® and requires a PNC Bank Business Checking account with PNC Online Banking. PayCycle® is a registered trademark of PayCycle, Inc. PINACLE® is a registered trademark of The PNC Financial Services Group, Inc. Transaction fees may apply. Visa ® is a registered trademark of Visa USA, Inc.