Mission   Why we are here

F.N.B.’s Mission is to:

• Help our customers achieve economic success and financial security by building enduring relationships based on trust and integrity.
• Build a workplace where employees can learn, grow and prosper as contributing members of a winning team.
• Create long term value for our shareholders.
• Improve the quality of life in the communities we serve.
  

Vision   Where we are going

Our vision is to be an industry leader in creating value for our customers, employees, shareholders, and the communities we
serve. (We will accomplish this through our team’s passion for providing an exceptional customer experience in a workplace that
encourages, recognizes and rewards those who deliver on this vision.)

“When people come together as a team, share a dream, a nd focus on reaching their goals together, there’s a good chance they will accomplish what they set out to do.”

Core Values   How we behave

We are in the business of Building Relationships based upon Trust. As employees of F.N.B. Corporation we will pledge to make all business decisions, initiatives and activities based upon the five Core Values of our Corporation: Integrity, Service, Teamwork, Innovation and Winning. Our Corporate Logo displays five stars representing the five Core Values that guide our actions every day. These values symbolize our commitment as employees of F.N.B. Corporation to always focus on the customer, while acting with integrity and professionalism. Our decisions will always be made in the interest of creating long term value for our four core constituents, which are our:

• Customers
• Employees
• Shareholders
• Communities in which we live and work

By adopting these Core Values, we acknowledge our commitment to the ongoing success and growth of F.N.B. Corporation.

INTEGRITY
We will earn trust by maintaining the highest ethical standards in all of our actions by:

• Acting responsibly
• Always doing the right thing
• Treating others fairly and with respect
• Assuming accountability for our actions
• Complying with all regulatory and company rules and policies
• Avoiding actual or perceived conflicts of interest
• Maintaining confidentiality
  

SERVICE
We will provide the highest levels of service and support to our external and internal customers alike by:

• Adhering to the Golden Rule: Treating others (customers/coworkers) as we would want to be treated
• Developing and exhibiting a passion to providing the highest levels of service in our industry
• Understanding and anticipating our customer’s needs and desires
• Making decisions based upon the needs and wants of our customers and communities
• Striving to always exceed the expectations of both external and internal customers
  

TEAMWORK
We recognize every team member contributes to the success and growth of the Corporation. We understand the Corporation’s commitment to creating a workplace where employees can learn, grow, and prosper as contributing members of a winning team. We will insure that our actions support this awareness through personal accountability and by insuring every team member receives the training and respect they deserve by:

• Making informed decisions based upon facts
• Talking with each other about our desires and expectations
• Fostering a participative and team oriented working foundation along all business lines
• Business units working together to meet the needs of our customers and each other
• Striving to be productive in all activities
• Always acting professionally
• Leading by example
• Coaching each other to be better at what we do
• Exhibiting confidence in our actions and those of other team members

INNOVATION
We will embrace the Corporation’s commitment to innovation by:

• Fostering creativity
• Embracing our commitment to maximizing the technological capabilities available
  Welcoming and supporting change
• Eliminating activities that do not serve the best interests of our four core constituents

 
WINNING
We will foster and support a winning corporate culture through:

• Exhibiting a positive focus and attitude at all times
• Taking pride in our company, co-workers and actions
• Celebrating winning as a team
  

Operating Principles   How we make decisions

CUSTOMER DRIVEN
We exist to help customers. We state in our mission statement that our objective is to help customers achieve economic success and financial security by building enduring relationships based on trust and integrity. Our customers are long-term partners and should be treated accordingly. It is important that we always respect the individual and value the relationship.

There are an infinite number of opportunities where we can become better together, where we can help our customers achieve their financial goals and where our customers will enable us to make a profit in doing so. When asked, we hope customers will say that it’s easy to do business with us and that we have demonstrated clearly how much the bank wants their business.

QUALITY ORIENTED
Quality must be built into every process. It is easier and less expensive to do things correctly than to fix what has been done incorrectly.

EFFICIENT 
We want to design efficiency into the system. We believe that our competitiveness in the market place is
enhanced if we maintain a low level of general overhead expense relative to our peers.

GROWING OUR BUSINESS – “Bigger, Better, Stronger”
Given that we are a customer driven company, our day to day operating strategy focuses on taking exceptional care of our existing customers while aggressively adding new customers, and selling additional products and services to meet their growing needs. We accomplish our strategic business growth objectives by embracing a deep passion for customer service and a robust revenue-driven sales culture.

We also understand the importance of making the company better at the same time we make it bigger. To accomplish this requires that we invest in the continual development our people, products and processes.

We recognize the need for our growing company to remain strong. Therefore, we will constantly evaluate our governance, compliance, and controls to ensure we meet our requirements for safety and soundness.

CONTINUOUS IMPROVEMENT
We believe that everything can be done better, and share a fundamental commitment to innovation. Every employee should constantly use their reasoning ability to do whatever they do better everyday. All managers of systems/processes should constantly search for better methods to solve problems and serve the customer.

OBJECTIVE DECISION MAKING – “Doing the Right Thing”
Our decision making process is Fact-Based and Rational. Decisions are made in such a way as to balance the best interests of all the bank’s constituents (customers, employees, shareholders, communities, and regulators). “Doing the right thing” means making good decisions that are fair to everyone.

MANAGEMENT STYLE - “Teamwork, Teamwork, Teamwork!”
Our management process, by intention, is designed to be participative and team oriented. When people are involved in the decision making process, better information is available to make decisions. The participant’s understanding of the decision is greater and, therefore, execution is better.

Great teams have great coaches. The best coaches are trained observers who take a positive, constructive approach to improving the performance of their team. For us to be the best we can be, everyone must be willing to coach and be coached. Getting better at doing your job is as important as helping the person next to you do their job better. By embracing a culture of coaching and being coached we help the team get better.

MANAGEMENT CONCEPT

• Hire excellent people
• Train them well
• Expect a high level of achievement
• Reward their performance
• Give them an appropriate level of authority and responsibility

Our concept is to operate a highly autonomous, entrepreneurial organization. In order to execute this concept, we must have extremely competent individuals who are “masters” of our philosophy and who are “masters” in their field of technical expertise.

By having individuals who are “masters” in their field, we can afford to have less costly control systems and be more responsive in meeting the needs of our customers.

OBLIGATION TO EMPLOYEES
In our mission statement we say we want to build a workplace where employees can learn, grow, and prosper as contributing members of a winning team. To accomplish this we will do our best to:

• Compensate employees fairly in relation to internal equity and market-comparable pay practices.
• Provide a comprehensive and market-competitive Benefit t program.
• Create a place where employees can learn and grow - to become more productive workers and better people.
• Train employees so they are competent to do the work asked of them.
• Evaluate and recognize performance objectively, fairly and consistently based on the individual’s contribution to the accomplishment of our mission and adherence to our values.
• Treat each employee as an individual with dignity and respect.

 
OUTSTANDING CREDIT CULTURE 
Just as individuals need a set of values to guide their actions; systems should be designed to have a set of attributes which optimize their performance towards our goals. In this regard, our credit culture has seven fundamental virtues:

• Provides fundamental insight to help customers achieve their economic goals and solve their financial problems: We are in the high-quality financial advice business.
• Responsive: The customer deserves an answer as quickly as possible, even when the answer is no.
• Flexible (Creative): We are committed to finding better ways to meet the customer’s financial needs.
• Reliable: Our customers are selected as long-term partners and treated accordingly. We must continue to earn the right to be known as the most reliable bank.
• Manages risk within agreed-upon limits: Customers do not want to fail financially, and the bank does not
  want a bad loan.
• Ensures an appropriate economic return to the bank for risk taken: The higher the risk, the higher the return. The lower the risk, the lower the return. This is an expression of justice.
• Creates a “premium” for service delivery: The concept is to provide superior value to the customer through outstanding service quality. A rational customer will fairly compensate us when we provide sound financial advice, are responsive, creative and reliable, because these attributes are of economic
  value to the customer.

OBLIGATIONS TO OTHERS - Governance Processes
There is enormous pressure on companies today to behave in a manner that ensures the fair treatment of all stakeholders (customers, employees, shareholders, communities, and regulators). We want to be known as a company that routinely “does the right thing”. Therefore, we want to build and maintain governance systems and controls designed to:

• Ensure the company has adequate compliance processes, measures, and goals for achieving and surpassing regulatory and legal requirements.
• Provide independence in internal and external audits, financial accountability, management accountability
  for the organization’s actions, as well as the protection of stockholder and stakeholder interests, and shareholder reporting.
• Guide and measure the stewardship of the organization which ensures ethical behavior in all transactions and interactions.
• Address our environmental and social responsibility to support and strengthen the communities where the business operates.