Business Strategies Today

Vincent J. Delie, Jr. Chairman, 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. Throughout 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: 02 Regardless of size, industry or location, most businesses share a common goal: to grow. The ability to grow successfully sets a business apart from the competition, demonstrating the strong leadership and thoughtful planning that are necessary to navigate expansion. Strategic partners provide valuable experience and direction that can help maximize results as a business grows and matures. In this edition of Business Strategies Today, our experts provide insight on how FNB serves organizations throughout the business life cycle, from getting started, to creating enterprise value, to extracting value and managing the liquidity event that follows. We have established professionals fromCommercial Banking, Small Business Administration (SBA) Lending, Treasury Management and Insurance in each of the regions we serve. These bankers collaborate with each other and counterparts in Retail Banking andWealthManagement to address the personal and business banking needs of clients of every size and stage. Based on the opportunities identified to develop your business, your banker may also introduce you to FNB specialists with expertise in areas such as International Banking, Capital Markets and Interest Rate Risk. Our experienced bankers know the markets and businesses we serve. In our business model, regional leaders are largely empowered with decision-making authority for both sales and credit —meaning deals get done efficiently and based on an in-depth understanding of the local environment. This uniquely positions FNB to finance the growth of your business and to help you leverage the resulting value as you plan for retirement, the transfer of wealth and the future state of the company. FNB offers a comprehensive range of sophisticated products and services, delivered by professionals who are committed to working as a team to help you succeed. Contact FNB or visit us in one of our convenient locations to talk about what we can do for you and your business, no matter what stage of the business life cycle it is in. International Expansion Interest Rate Risk Payments Solutions SBA Loans Succession Planning Cybersecurity Mergers and Acquisitions And more To review articles that may benefit your business, call us at 1-866-362-4603 or visit fnb-online.com/bst

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