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 As you move your business forward, you may be hesitant to make substantial investments without fully understanding the variables that could potentially impact your success. In today’s business climate, factors related to cybersecurity, the economy and current events around the globe seem to always be in flux. To help you navigate this constantly shifting landscape, it is critical to choose a financial partner who understands both your business and the environment in which it operates. In this edition of Business Strategies Today, we discuss timely topics to provide insight into some of the variables that may be affecting your investment decisions. First, we provide an overview of the most relevant business and individual takeaways from the sweeping tax reform enacted in late 2017. With the potential for significant savings, particularly for businesses, the legislation may create opportunities to consider capital investments. This may include the acquisition or renovation of real estate. And because the economic optimism that typically accompanies increased spending could also contribute to rising interest rates, we discuss hedging strategies to better manage interest rate risk. Further speaking to the realities of modern business, our experts provide information about how a financial services partner like FNB can add value to your cybersecurity efforts. Cyberthreats remain a top risk for businesses around the globe, and it is important to approach the issue proactively and to use the expert resources available to you. Lastly, we address Small Business Administration (SBA) lending solutions that, while potentially less familiar, may provide a viable option to finance business growth. Regardless of your specific needs, thought leaders and partners play a critical role in your achievements. At FNB, we work together across our service lines to understand not only how internal and external variables impact your organization, but also how we can empower you to make the most of them. We look forward to collaborating with you to create a stronger, more successful future for you and your business. check International Expansion check Interest Rate Risk check Payments Solutions check SBA Loans check Succession Planning check Cybersecurity check Mergers and Acquisitions check 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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