Teamwork is essential in the fi nancial industry and Wealth Management at PNC bank has mastered the skill of working together to meet the needs of their clients. Heather

Baker and Renee Williams are committed to providing exceptional client service in North Alabama. Renee has been with PNC and its predecessor institutions for 12 years

and Heather is working toward her sixth year. This duo has been working together to serve wealth clients across the state for over fi ve years. This experienced team serves

as trusted advisors and provides a comfortable environment for clients to seek advice and resolution. Heather and Renee and the entire Wealth Management team works

diligently with their clients to understand their unique needs and aspirations while always acting in the client’s best interest.

We Deliver Through Strength of Relationship

Heather Baker: Relationship StrategistHeather Baker serves as the gateway to PNC’s comprehensive wealth management offering, which is extremely client focused, collaborative, and fully integrated. As a Relationship Strategist for North Alabama, Heather Baker is the primary contact responsible for determining how wealth management can benefi t clients and bring together all necessary resources to fulfi ll PNC’s client promise. Heather’s goal is to ease the complexities of wealth management through high level, personal service. She understands that few things are more harmful to a long-term relationship than poor communication. She contacts her clients frequently to be sure they are fully informed about the team’s efforts on their behalf and to confi rm that her team is doing everything possible to exceed the client’s expectations. Baker points out, “Each client is served by fi ve wealth team specialists and my role is fully dedicated to the service and satisfaction of the client.” Heather also works with PNC Bank partners to ensure complex client relationships are provided the broad spectrum of products and services PNC Bank has to offer.

Renee Williams: Client AdvisorAs a Client Solution Advisor, Renee Williams is a vital part of the wealth team. She supports the administrative needs of the team while helping to ensure that clients receive excellent service. Responding quickly and accurately to calls, emails and client requests are essential to delivering a quality experience. She builds relationships with each client that are focused on the long-term and takes every step possible to confi rm that she understands their needs, circumstances, values and goals. “We offer exceptional, local client service with access to professional resources of a Fortune 500 company at our fi ngertips,” said Renee. Personalized service is the cornerstone to maintaining a good relationship with each client. Renee says, “I take pride in fl awless execution and exceeding the client’s expectations at each interaction.” >>

Renee Williams, Client Advisor and Heather Baker, Relationship Strategist

Renee Williams, Client Solutions AdvisorNMLS 737600256-564-5751 | renee.p.williams@pnc.com

Heather Baker, Relationship Strategist VPNMLS 527133256-564-5758 | h.baker@pnc.com

The material presented in this article is of a general nature and does not constitute the provision by PNC of investment, legal, tax, or accounting advice to any person, or a recommendation to buy or sell any security or adopt any investment strategy. Opinions expressed herein are subject to change without notice. The information was obtained from sources deemed reliable. Such information is not guaranteed as to its accuracy. You should seek the advice of an investment professional to tailor a fi nancial plan to your particular needs. For more information, please contact PNC at 1-888-762-6226.The PNC Financial Services Group, Inc. (“PNC”) uses the marketing names PNC Wealth Management® and Hawthorn, PNC Family Wealth® to provide investment, wealth management, and fi duciary services through its subsidiary, PNC Bank, National Association (“PNC Bank”), which is a Member FDIC, and to provide specifi c fi duciary and agency services through its subsidiary, PNC Delaware Trust Company or PNC Ohio Trust Company. PNC also uses the marketing names PNC Institutional Asset Management®, PNC Retirement Solutions®, Vested Inter-est®, and PNC Institutional Advisory Solutions® for the various discretionary and non-discretionary institutional investment activities conducted through PNC Bank and through PNC’s subsidiary PNC Capital Advisors, LLC, a registered investment adviser (“PNC Capital Advisors”). Standalone custody, escrow, and directed trustee services; FDIC-insured banking products and services; and lending of funds are also provided through PNC Bank. Securities products, brokerage services, and managed account advisory services are offered by PNC Investments LLC, a registered broker-dealer and a registered investment adviser and member of FINRA and SIPC. Insurance products may be provided through PNC Insurance Services, LLC, a licensed insurance agency affi liate of PNC, or through licensed insurance agencies that are not affi liated with PNC; in either case a licensed insurance affi liate may 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 affi liates. PNC does not provide legal, tax, or accounting advice unless, with respect to tax advice, PNC Bank has entered into a written tax services agreement. PNC does not provide services in any jurisdiction in which it is not authorized to conduct business. PNC Bank is not registered as a municipal advisor under the Dodd-Frank Wall Street Reform and Consumer Protection Act (“Act”). Investment management and related products and services provided to a “municipal entity” or “obligated person” regarding “proceeds of municipal securities” (as such terms are defi ned in the Act) will be provided by PNC Capital Advisors. “PNC Wealth Management,” “Hawthorn, PNC Family Wealth,” “Vested Interest,” “PNC Institutional Asset Management,” “PNC Retirement Solutions,” “PNC Institutional Advisory Solutions,” and PNC Wealth Insight are registered service marks of The PNC Financial Services Group, Inc.

Investments: Not FDIC Insured. No Bank Guarantee. May Lose Value.Insurance: Not FDIC Insured. No Bank or Federal Government Guarantee. Not a Deposit. May Lose Value.

Welcoming ClientsHeather and Renee understand the value of fi rst impressions. “We employ a systematic, consistent process and communicate closely through each step to make sure the experience of becoming a new client is as easy and successful as possible,” said Baker.

After an introductory client meeting, Heather then works to match the team’s capabilities and chemistry to the specifi c needs of the client. The team of advisors will be comprised of tenured wealth management professionals with deep technical and broad client service experience. PNC Wealth Management advisors then consult with clients to understand where they are in their life, where they want to be and how much risk they are willing to assume. Before proposing a solution, the team will have a thorough understanding of the client’s fi nancial picture to then create a complete investment plan. This collaborative approach provides for decisions to be made in our client’s best interest.

PNC Wealth InsightIn today’s increasingly complex economic environment, clients want more insight and transparency in all aspects of their fi nancial lives. “We understand that by increasing customer satisfaction we build customer loyalty and at PNC we make it a priority to establish rapport and get to know our clients on a personal level,” said Heather. We also understand that some clients value a more productive way to work with an advisor enabling them to stay on track with changes that occur in their portfolio while focusing on achieving fi nancial goals.

PNC Wealth Management clients can now gain more insight and transparency in their fi nancial life with PNC Wealth Insight®. This innovative, online tool provides a new approach to wealth management through a

Extensive ResourcesBy trusting PNC Wealth Management, clients gain a premier integrated wealth management practice and the resources of a nationally respected fi nancial institution. It is our sincere hope that this optimal combination meets your requirements for performance, fl exibility and individualized attention. Our long history is a testament in the confi dence placed in us by the families we service. From investment management, fi nancial planning, and multigenerational trusts, our wealth management services span even the broadest portfolio of fi nancial interests which means your legacy is in good hands – today and for future generations.

The PNC Wealth Management DifferenceWe understand that the decision to engage PNC Wealth Management is one of tremendous importance to clients and their families. Our sole focus is serving families of signifi cant wealth, and our sole metric of success is your success. Heather and Renee invite you to get to know us better. The wealth team works tirelessly on behalf of the families we serve and it would be an honor to be of service to you. For more information please contact Heather or Renee to see how PNC Wealth Management services can make a difference for your family.

Our Client PromiseWe commit to be your trusted advisor – the fi rst place you turn for advice and solutions. We promise to understand your unique needs and aspirations, to always act in your best interest, and to judge our success by your success.

“No two clients have the very same fi nancial goals and situations so we take the time to understand expectations, needs and concerns while making recommendations about the investment vehicles and services that are appropriate for each person.” - Heather Baker

Renee Williams, Client Advisor and Heather Baker, Relationship Strategist

user-friendly, modular interface that displays fi nancial data in a way that is clear and easy to comprehend. Working with PNC advisors and utilizing the power of PNC Wealth Insight, is a true collaboration that puts our clients and advisors on the same page. PNC Wealth Insight empowers our clients to make stronger connections with their Wealth Management team. Such relationships lead to better conversations and communication which results in more informed fi nancial decisions altogether. Combined with the guidance of their PNC advisory team, this valuable tool offers clients a notable and differentiating experience through intelligent, distinct and simple capabilities. We encourage you to experience PNC Wealth Insight for yourself by visiting pnc.com/wealthinsight.