Privacy Policy

While information is the cornerstone of our ability to provide superior service, our most important asset is our customer’s trust. When you entrust us with your personal information, you can be certain we will use it within the guidelines provided in this notice. We are committed to your right to have your personal financial information remain private and secure.

This notice explains what types of information we collect and under what circumstances we may disclose it. We want you to know that we use your information responsibly to:

   • manage your current financial services and products,
   • offer you other financial services and products, and to
   • alert you to financial services and products made available by our carefully selected
     marketing partners.

Information Collection

We only collect information about you that is necessary to provide superior customer service, maintain and administer your account, and to provide financial services that are of interest to you. Generally, the personal information we collect is provided directly by you. We may collect additional information from outside sources such as public records, market research and credit reports. The type of information we collect and use is:
   • information we receive from you on applications or other forms, such as your name, address,
     social security number, assets, or income;
   • information about your transactions with us, such as your account balance or payment history;
   • information we obtain from specialized marketing information firms, such as household
     demographics; and
   • information we receive from consumer reporting agencies and others, such as your
     creditworthiness and credit history.

Information Security; Confidentiality and Accuracy

We routinely train our employees to respect your privacy and to protect your personal information. Even if you are no longer our customer, we will continue to treat your personal information in the same way as if you were still a customer. We maintain physical, electronic and procedural safeguards to guard your personal information.

We continually strive to ensure that the information we maintain about you is complete and accurate. Please report any inaccuracies to the appropriate affiliate(s) listed below. Be sure to include your complete name, current address, telephone number, account number and a brief description of the specific dispute item. We will promptly investigate your concerns, correct any inaccuracies, and confirm our actions to you.

Information Disclosure

The information we share helps us bring you greater convenience and more choices. We limit who receives customer information and what type of information is shared as described below.

Third Parties
We will not share your personal information with any company or third party outside of our family of companies, except as permitted by law. For example, we may disclose your personal information to third parties:
   • upon your request or your authorization to do so.
   • that work for us such as check printing companies, data processors, and bank software
     vendors or marketing firms.
   • for joint marketing arrangements to enhance our financial product or service offerings.
   • to protect against or prevent fraud or to resolve customer disputes.
   • such as financial institution examiners and auditors.
   • when compelled to do so by court order.
   • that are credit reporting agencies or similar reporting agencies.

F.N.B. Corporation Family of Companies

F.N.B. Corporation is a diversified financial services holding company operating multiple financial companies. We can serve you more efficiently by sharing information among our family of companies. By sharing your information among our group of affiliates, it is our intention to provide you with a full array of financial services specifically tailored to meet your needs or to save you time if you decide to open an account with one of our companies. However, we do not share your information solely for marketing purposes. If you do not want us to share your personal information within our family of companies, you may opt out of those disclosures by calling each affiliate with whom you have accounts, toll-free, Monday through Friday, 8:00 a.m. to 5:00 p.m., at the number listed below or by writing to the appropriate affiliate(s) at the address listed below. Your election to opt out of information disclosure will also apply to any joint account owner. If you have previously elected to opt out, you do not need to do so again.

Medical Information

We occasionally receive medical information about our customers; for example, if a customer applies for insurance from us. We will not share your medical or health information except as necessary to maintain accounts, process transactions or provide services you have requested or initiated.

Our Family of Companies

If you have questions, concerns or comments about our privacy practices or the way your information is maintained and used, we’d like to hear from you. Please write to us at the address noted below.

This Privacy Notice applies to the following affiliates as of September 1, 2009.

      First National Bank
         F.N.B. Technology Center
         Attn: Privacy Department
         4140 East State Street
         Hermitage, PA 16148-3487

         Division:
         First National Corporation
            d/b/a First National Insurance Services Company

      First National Trust Company
      First National Investment Services Company, LLC
      F.N.B. Investment Advisors, Inc.
         Wealth Management
         Attn: Privacy Department
         532 Main Street, Suite 7
         Johnstown, PA 15901

      Regency Finance Company
         Division:
         Finance and Mortgage Acceptance Corporation (FMAC)
         F.N.B. Consumer Discount Company
         Citizens Financial Services, Inc.

         Regency Finance Company
         3320 East State Street
         Hermitage, PA 16148

      First National Insurance Agency, LLC
         Attn: Privacy Department
         740 North Main Street
         Meadville, PA 16335

      FNB Financial Services, LP
         103 Foulk Road
         Wilmington, DE 19803

We will provide notice of our Privacy Policy annually, as long as you maintain an ongoing relationship with us. We reserve the right to change this Privacy Policy at any time. You will be advised of any changes. You can always view our current Policy by visiting our website at http://www.fnbcorporation.com or by writing to the appropriate affiliate at the address noted above.

As a visitor to our website, you need not be concerned about the privacy of your personal information. Our site is not designed to collect personally identifying data on visitors.

Our website does not require you to disclose any personally identifying information. If, however, you choose to contact us via e-mail, please keep in mind that your e-mail address, and any other information your e-mail header shows about you, such as your name or organization, will be revealed to us in the e-mail. We pledge, however, that when you communicate with us via e-mail, we will use your e-mail information only for the purpose of responding to your comment or questions and to enable us to contact you with additional information about our bank and its products and services. Your e-mail address will not be sold, nor will it be shared with others outside the bank unless we are compelled to do so by law. A "cookie" is a small piece of information about an internet session that may be created when a visitor accesses a website. Presently, our website does not use cookies if you are a visitor. If you have signed up for Internet Banking, our bill pay option or other services, our website will create a cookie. It is necessary for our system to create the cookie in order that we can identify you during your online banking session, your online banking session will be enhanced and navigation of our website will be easier. Our cookies do not contain any personal information regarding you and do not retrieve any information from your computer.

We reserve the right to change this policy at any time by posting a new Privacy Policy.