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Vincent J. Delie, Jr.

President and CEO, F.N.B. Corporation

CEO, First National Bank

T

here is little doubt that technology has made the world

a much smaller place, especially for business owners.

The speed of information and depth of data available have

permanently altered the business landscape, empowering greater

efficiency and accuracy.

At First National Bank, we have a proven track record of working with

clients like you to deliver innovative solutions based on an in-depth

understanding of your unique goals and needs. Our focus on local

businesses and on the satisfaction of each client, combined with our

commitment to innovation, makes us a real partner in your success.

In fact, innovation is one of our core values. We embrace ideas that

move us forward and serve our clients. In 2015, we announced

exciting technological advancements, such as our enhanced suite of

international banking services and Apple Pay.™

This edition of

Business Strategies Today

explores a number of

prominent topics in business technology, ranging from guidance

on launching a technology project to protecting your business from

cybercrime. In addition, we provide insight on how to take advantage

of the payments evolution and of opportunities in global markets.

Strong key relationships are critical to getting the most out of

technology. By collaborating with experts like First National Bank,

you can take advantage of state-of-the-art tools and processes while

keeping your energy focused on what matters most: managing your

core business.

You can trust First National Bank to deliver sophisticated financial

solutions with the superior service and attention you expect from a

true member of the community. Give us an opportunity to get to know

your business. Together, we will explore how innovation can take your

business to the next level.

THE FIRST

NATIONAL BANK

DIFFERENCE

First National Bank, a subsidiary of F.N.B.

Corporation (NYSE: FNB), is a local community-

based institution that is dedicated to providing

total money management solutions. We have

a core business concentration on middle and

upper-middle market companies and serve

their needs as a value-added partner.

VALUES

THAT MATTER

s

Helping clients achieve economic

success and financial security

s

Building enduring relationships

based on trust and integrity

s

Creating long-term value

for shareholders

s

Giving employees an opportunity

to learn, grow and contribute as

members of a winning team

s

Improving the quality of life

in the communities we serve

FULL-SERVICE

SOLUTIONS

COMMERCIAL

BANKING

Corporate and

Business Banking

Investment

Real Estate

Business Credit

Capital

Markets

Lease

Financing

Treasury

Management

International

Banking

CONSUMER

BANKING

Deposit Products

Mortgage Banking

Consumer Lending

Indirect Lending

Mobile & Online

Banking

WEALTH

MANAGEMENT

Trust and Fiduciary

Retirement Services

Investment Advisory

Brokerage

Private Banking

Insurance

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