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Shareholder and Investor Relations

Registrar and Transfer Company is the registered stock transfer agent for F.N.B. Corporation. In addition to performing traditional registration and transfer activities, Registrar and Transfer Company also administers the company's popular Dividend Reinvestment and Direct Stock Purchase Plan. Under terms of the Plan, shares of F.N.B. Corporation common stock (NYSE: FNB) are available for direct purchase through Registrar and Transfer Company. Investors may also reinvest their dividends toward the purchase of additional shares of the company's stock.

Purchasing shares directly from the company means the investor pays no brokerage fees on the transaction.

A copy of the Plan's prospectus and an enrollment form are available upon request by contacting us at (800) 368-5948 or writing to:

Registrar and Transfer Company
Investor Relations Department
P.O. Box 664 Cranford, NJ 07016
www.rtco.com

Contacts:

Transfer Agent: Registrar and Transfer Company. 800-368-5948

Shareholder Relations: Jennifer DeFazio. 724-983-4944

Investor Contact. Frank Milano 203-682-8343