Business Strategies Today

TN KY VA WV OH PA NC SC MD NJ DE FNB Branch or ATM Regency Finance SOLUTIONS CONSUMER BANKING • Deposit Products • Mobile & Online Banking • Mortgage Banking • Consumer Lending • Indirect Auto Lending WEALTHMANAGEMENT • Trust & Fiduciary • Retirement Services • Investment Advisory • Brokerage • Private Banking FULL-SERVICE COMMERCIAL BANKING • Corporate & Business Banking • Investment Real Estate • Asset-Based Lending • Lease Financing • Capital Markets • Treasury Management • International Banking • SBA Lending INSURANCE • Property & Casualty • Employee Benefits • Personal • Title 04 08 06 10 NAVIGATING THE NEW TAX LANDSCAPE BUILDING A CYBERSECURITY SAFETY NET OPPORTUNITY AND RISK Managing interest rate risk in real estate investments FROM HERE TO THERE SBA Loans to Finance Expansion Insurance and Investment products are not FDIC insured, not bank guaranteed, not bank deposits, may lose value and are not insured by any federal government agency. Bank deposit products and services provided by First National Bank of Pennsylvania. Member FDIC.

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