Affiliates

F.N.B. Corporation is a Financial Services Holding Company which owns a multi-branch bank, a trust company, a consumer finance company and an insurance agency. All of these companies work together to provide financial services to you.

First National Bank of Pennsylvania

First National Bank of Pennsylvania, the largest subsidiary of F.N.B. Corporation (NYSE: FNB), is headquartered in western Pennsylvania. Customers can conveniently conduct business at our more than 280 full-service branch offices located in Pennsylvania, Ohio, Maryland, and West Virginia. Founded in 1864, First National Bank has a history of providing full service financial solutions to meet the unique needs of our customers. Today, our experts can serve individuals and businesses with comprehensive products and services including private banking, wealth management, insurancecommercial leasing and more.

First National Bank maintains a community banking style, meaning that we provide sophisticated solutions without sacrificing the superior level of service you deserve. Our commitment is to help you achieve your financial goals and to invest in the success of local businesses and communities. To learn more about our products and services, visit our website at www.fnb-online.com or click here to find a branch office near you.

First National Trust Company

First National Trust Company is a nationally chartered trust company chartered in 1934. First National Trust Company currently manages approximately $2.7 billion in assets for more than 1,900 individual, corporate and institutional client relationships. A staff of dedicated trust professionals, including CPAs, attorneys, CFAs, CFPs, and CTFAs, provides traditional trust services and customized investment management. To learn more about our Trust and Wealth Management solutions, visit www.fnbwealthmanagement.com.

F.N.B. Investment Services

F.N.B. Investment Services offers a complete array of investment solutions and services for individuals, corporations, and retirement funds through our licensed professionals and Cetera Investment Services. Our team of credentialed and seasoned financial professionals work to customize investment solutions for you. To learn more about what F.N.B. Investment Services can offer you or to make an appointment to meet with one of our financial consultants, visit www.fnbwealthmanagement.com.

F.N.B. Investment Advisors, Inc.

F.N.B. Investment Advisors, Inc. is a registered investment adviser under the registered Investment Advisers Act of 1940 and is registered with the Securities and Exchange Commission and Pennsylvania Securities Commission. F.N.B. Investment Advisors, Inc., serves as the investment adviser for high net worth individuals and institutional clients and is engaged by First National Trust Company to manage its discretionary investment relationships. Specializing in core equity and intermediate-term fixed income management, portfolio managers and research analysts have forged strong relationships with a myriad of investors that include institutions foundations, endowments and corporations. Assets under management exceed $1.4 billion. To learn more about F.N.B. Investment Advisors, Inc., visit their website at www.fnbwealthmanagement.com.

First National Insurance Agency

First National Insurance Agency has its roots in three long-established Independent Insurance Agencies: Gevlin, Jackson and Starr (Meadville, PA), Harry Blackwood Agency (Chippewa, PA) and Morrell, Butz and Junker (Pittsburgh, PA). By combining the unique talents of each First National Insurance has become one of the largest insurance agencies in western Pennsylvania, with over 15,000 Personal and Commercial Insurance clients. Representing many National and Regional Insurance Carriers, First National Insurance Agency offers a full line of Property and Casualty, Employee Benefits and Life Insurance coverages throughout our footprint. To learn more about First National Insurance Agency products and services, visit www.fn-ins.com.

Regency Finance Company

Regency Finance Company was founded in 1927 by a group of businessmen from Youngstown, Ohio. Regency Finance Company and its affiliates have experienced growth which has taken it into many small communities in four states, where it now operates 73 offices in Pennsylvania, Ohio, Kentucky and Tennessee. Acquired in 1974 by F.N.B. Corporation, Regency Finance specializes in loans to moderate-income consumers and has continued to expand its ever-widening selection of loan products to accommodate the financial needs of the consumers it serves. Regency Finance Company’s affiliates include F.N.B. Consumer Discount Company, Finance and Mortgage Acceptance Corporation and Citizens Financial Services, Inc. To visit their website or to find a location near you, go to www.regencyfinance.com.