Business Strategies Today

Vincent J. Delie, Jr. President and CEO F.N.B. Corporation First National Bank THE FIRST NATIONAL BANK DIFFERENCE First National Bank, the largest subsidiary of F.N.B. Corporation (NYSE: FNB), is a growing financial services organization with a long- standing tradition of helping our customers and communities thrive. Across more than 150 years of service, we have remained dedicated to providing total money management solutions for our consumer and commercial clients. We have a core business concentration on middle and upper-middle market companies and serve their needs as a value-added partner. MORE INSIGHT FROM FNB You can always look to FNB for expertise on the topics and trends that have the greatest impact on you and your business. In Business Strategies Today, experts from across our Company have covered a wide range of subjects, such as making the most of the economic environment, staying the course to innovation and planning for the future of your business. Just a few of the topics we’ve covered recently include: s International Expansion s Interest Rate Risk s Payments Solutions s Small Business Administration Loans s Succession Planning s Cybersecurity s Mergers and Acquisitions s And more To review articles that may benefit your business, call us at 866-362-4603 or visit fnb-online.com/business-strategies-today to learn more. 01 A t FNB, we know that the success of our clients, communities and Company are all deeply interconnected. Through our unprecedented growth, we have been able to deploy capital, create jobs and give back in the forms of financial support and leadership, all of which contribute to economic expansion in the regions we serve. This issue of Business Strategies Today focuses onMaking Connections. As we share in our first article, FNB’s business model and culture are centered on engaging with and giving back to our communities. The extent to which our community commitment guides our business model is evidenced in our emphasis on local decision-making and relationship-based approach. By leveraging some of the tactics that we employ, including the utilization of tax credit programs, both your company and the community can achieve benefits. Next we focus on ways to optimize physical locations, which are primary elements of an organization’s identity in the community. Understanding that space can - and should - say a great deal about a business and its vision, FNB has implemented many successful design strategies through the deployment of innovative new concept branch locations throughout our multi-state footprint. Experts also discuss an often-missed opportunity to leverage the knowledge and expertise in your local community through the creation of an advisory group to assist with the development of business strategies. And finally, we provide a basic overview of some of the regulatory issues that could affect your business and the communities where you operate. FNB’s commitment to the communities that we serve is evident in our desire to improve the physical locations we operate in, howwe give back to improve the overall environment in which we compete and the advice we provide to ensure that our clients achieve economic success. We look forward to the opportunity to work together to achieve results for your business and the communities we all call home.

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