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F.N.B. Corporation
One F.N.B. Boulevard
Hermitage, PA 16148
800.555.5455

July 3, 2009    FNB 6.00 as of 4:16pm

Headquarters

Welcome

To our Shareholders, Friends and Visitors:

On behalf of our directors, officers and employees, welcome to F.N.B. Corporation.

F.N.B. Corporation is a registered New York Stock Exchange (NYSE) company publicly traded under the ticker symbol FNB. The company is a diversified financial services company that seeks to provide high quality services to individual and business customers in a manner that is consistent with a philosophy of personal service and a commitment to maximizing shareholder value.

To achieve this commitment F.N.B. Corporation has attracted and retained a professional staff who are dedicated to exceptional customer satisfaction and superior financial performance.

The information provided on this and subsequent pages are intended to be user-friendly. So, take some time to browse the website and get to know our company better. Once you have, please feel free to contact the company directly if you have any questions regarding F.N.B. Corporation or any of its affiliates.

Thank you for taking an interest in F.N.B. Corporation.

Sincerely,
Stephen J. Gurgovits
Chairman and President & C.E.O.
F.N.B. Corporation