AmazonScience/document-haystack

1customers — particularly as more 2and more of our in-branch customer 3interactions shift from transaction- 4based to advice-based. In 2023, we 5opened and renovated nearly  6350 branches across our national 7footprint. In early 2024, we  8announced plans to invest nearly  9$1 billion in our branch network, 10which includes opening more than 11100 new locations and renovating 12more than 1,200 existing locations 13through 2028. Through these  14additional investments, we plan to 15further build out our retail presence 16in key growth markets, including 17Austin, Dallas, Denver, Houston, 18Miami, San Antonio and more. 19We also expanded our mobile branch 20program to help bring financial 216  |  FROM THE CEO  |  MARCH 1, 202422partner banks to introduce PazeSM,  23an online checkout solution for 24e-commerce transactions. Paze 25allows consumers to make easy and 26secure online transactions without 27sharing their actual credit or debit 28card numbers. Paze is ramping up 29for general availability, and we’re 30excited to bring it to more customers 31throughout the coming year.32Asset Management Group33In AMG, we delivered products, 34services and advice to support the 35unique financial needs of institutions 36and affluent individuals and families 37through a year of uncertainty and 38volatile market conditions. 39In 2023, we invested to further build 40out our Private Bank Hawthorn 41Institute for Family Success (IFS),  42a suite of services and solutions 43aimed at helping ultra-high net 44worth households plan for and 45manage generational wealth. Led  46by a specialized team, the IFS  47helps engage clients and elevate 48conversations about wealth, purpose 49and legacy.50 Throughout the year, we continued  51to optimize our local presence and 52offerings to better address the needs 53of our clients. Additionally, we have 54developed and are deploying a U.S. 55strategy for multinational client 56wealth — with a focus on our  57markets in the south, southwest  58and on the west coast — to provide 59dedicated expertise and knowledge 60to Hispanic and Latino clients.61In November, we  62introduced the PNC Cash 63Unlimited Credit Card,  64an industry-leading card 65that offers customers 66unlimited 2% cash back 67with no fees.68services and education to more 69people in underserved communities 70across the country. Our 19 mobile 71branches — essentially bank  72branches on wheels — made roughly 731,500 visits to low- and moderate- 74income (LMI) communities in select 75metro areas during 2023, and we 76recently announced the expansion  77of the program to Cleveland, South 78Florida, Philadelphia and Phoenix. 79Our mobile branches also enable us 80to provide access to critical financial 81services within communities  82impacted by natural disasters and 83other emergencies — including 84areas hit by hurricanes, flooding  85and wildfires — helping us show  86up for our clients when they need  87us most. 88Our comprehensive portfolio of 89financial solutions is focused on 90supporting customers’ financial 91goals at every life stage — from their 92first student checking account, to 93their first home, to their long-term 94savings needs. In May, we introduced 95the PNC Student Debt Solution,  96a student debt and savings  97optimization platform designed to 98help employees of our Organizational 99Financial Wellness clients better 100manage their financial health.  101And, in November, we introduced  102the PNC Cash Unlimited Credit Card, 103an industry-leading card that offers 104customers unlimited 2% cash back 105with no fees.106We’re also focused on making it easy 107and convenient for our customers  108to transact— wherever they are  109and whenever they want. In 2023,  110we were proud to join forces with