COMERICA BANK Technology & Life Sciences Division
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1 COMERICA BANK Technology & Life Sciences Division
2 Comerica Bank Overview Founded in 1849, Headquartered in Dallas, TX Publicly traded on NYSE: CMA $59.3 billion in total assets as of December 31, 2009 #559 among Fortune s largest companies Among the 25 largest banking companies in the U.S. Among the top ten Ex-Im Bank working capital lenders 447 Banking Centers across the United States & Canada (98 in California) Strategic Focus: Business Banking, Retail Banking and Wealth & Institutional Management
3 Technology & Life Science Division (TLS) Specialized Lending Group within the Comerica Bank Structure - TLS Division Headquartered in Palo Alto, CA Bank over 2,000 technology and life science companies across the U.S. and Canada Division has $4B in Assets under Management Local Credit Approval which translates into quick decision making Built expertise in developing strong relationship with premier Equity and Venture Capital Firms Equity Fund Services group banks over 100 firms History-We have been banking technology and life science companies for over 20 years. TLS portfolio and credit policies built to accommodate investor support companies throughout their life cycle.
4 TLS National Footprint 13 offices around the country * Bellevue New York * * Boston San Francisco * * Palo Alto * Menlo Park Reston * Los Angeles * Costa Mesa San Diego * Dallas * * Austin
5 Targeted Sectors Technology Software Services Consumer Products Internet Services Computer and Peripherals Semiconductors and Electronics Business services and IT Services Cleantech/Greentech Healthcare & Life Sciences Healthcare Services Medical Devices Biotech
6
7 Stage I EMERGING GROWTH * Pre-product * Pre-revenue * Highly reliant on continued equity support CHALLENGES * Stretch investment dollars for longer runway * Cost-effective professional banking services * Safety and return on cash SOLUTIONS * Lines of Credit * Equipment term loans * Growth Capital Loans * Letters of credit * Cost-effective deposit services * Web access to deposit accounts * Investment management
8 Stage II EMERGING GROWTH * Post-revenue, pre-profit * Emerging business operations * Continued reliance on equity sponsors CHALLENGES * Grow sales rapidly without excessive dilution * Accelerate cash collection cycle * Safety and return on cash SOLUTIONS * Receivable financing * Equipment term loans * Bridge Loans * Letters of credit * International trade finance * Treasury management * Investment management * 401 (k) plan
9 Stage III SELF SUSTAINING GROWTH * History of profits * Reliant on business operations CHALLENGES * Optimize capital structure for growth * Maximize working capital efficiency * Manage Wall Street expectations SOLUTIONS * Working capital financing * Equipment term loans * Corporate finance * Acquisition financing * Letters of credit * International trade financing * Comprehensive treasury management * Investment management * 401 (k) plan
10 Treasury Management Experience and Technology with Powerful, Cutting Edge Solutions for your Business: Disbursement Services Demand Deposit Accounts (DDA) Automated Clearing House (ACH) Zero Balance Accounting (ZBA) Business Sweep to Investment and/or Loan Outgoing Wire Transfers Account Reconcilement Services Image Positive Pay ACH Positive Pay Controlled Disbursement Accounts Comerica Tax Pay Commercial Card Programs: Corporate Card Purchasing Card Comp Card (payroll) Collection Services Demand Deposit Accounts (DDA) Automated Clearing House (ACH) Zero Balance Accounting (ZBA) Business Sweep to Investment and/or Loan Incoming Wire Transfers Image Lockbox Options Business Deposit Capture Merchant Card Processing Electronic Payment Authorization Information Reporting TM Connect Web, TM Connect Desktop, and TM Connect File Transfer offer: Prior Day Reporting Intra Day Reporting Wires and Transfers Statements Stop Payments Image Services Foreign Exchange Electronic Data Interchange notification for many services Account Analysis
11 Investment Services Comerica Securities is our broker/dealer subsidiary whose mission is to provide you with choices, strategies and the responsiveness needed to make sound investment decisions. Comerica Securities has $30B in assets under management. Self Directed Investments Working with you and for you is a highly accomplished team whose focus is on preserving capital and meeting liquidity needs. Included in the Securities we offer: Institutional Money Market Mutual Funds Comerica Bank Business Sweep Account Commercial Paper Repurchase Agreements U.S. Government Securities Certificate of Deposit Placement Program Comerica Asset Management Comerica Asset Management is an outsourced treasury management service. Our team of experts strives to consistently provide above benchmark returns for your Portfolio. Their approach is a multi step process to enhance the total returns of your portfolio: Determine customized guidelines Sector strategies Portfolio construction and management Benchmarking
12 Why Bank with us? One of the only tech-focused banks in the country We will grow and work with you as you grow Dedicated relationship team Comprehensive product offering A lasting relationship with a bank that understands your needs Flexible loan structures Lower cost of capital Close-knit with venture capital community
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