PAID ADVERTISEMENT IN THIS ISSUE: FNB’s Decade of Digital Innovation Total Money Management from the professionals at First National Bank TODAY BUSINESS STRATEGIES
Vincent J. Delie, Jr. Chairman, President and CEO F.N.B. Corporation First National Bank We are marking a significant milestone this year at FNB — 10 years since announcing Clicks-to-Bricks, a digital-first strategy aimed at enhancing and accelerating our approach to client engagement. Our goal is to create a seamless customer experience between all our service delivery channels. In short, no matter how you bank with us — in a branch, online or via mobile device — you can expect familiar and convenient processes, interfaces and tools. In this issue of Business Strategies Today, we celebrate and take a deeper dive into Clicks-to-Bricks and its positive impact on the client experience. We begin with a tour of the varied ways that we implement our digital strategies and break down how our technology has evolved over the past decade, from our sophisticated approach to data management to our latest client-facing convenience features, such as the eStore® Common application (Common app). Readers additionally can learn more about how technology is driving evolution in Treasury Management services, including benefits such as reducing fraud and increasing efficiency. We also offer a glimpse into the innovation that promises to change how businesses approach foreign currency transactions — stablecoins. It is appropriate that we consider the future as we celebrate the past, because Clicks-to-Bricks pushes banking forward, enabling our clients to reach new levels of growth and success. As a full-service institution, FNB is equipped to help leaders create, maintain and manage value in their business and in their personal financial scenario. I welcome you to explore our products and services and award-winning eStore at fnb-online.com. THE FIRST NATIONAL BANK DIFFERENCE First National Bank, the largest subsidiary of F.N.B. Corporation (NYSE: FNB), is a growing financial services organization with a long-standing tradition of helping our customers and communities thrive. Throughout more than 160 years of service, we have remained dedicated to providing total money management solutions for our consumer, small business and commercial clients. We have a core business concentration on middle and upper middle market companies and serve their needs as a value-added partner. MORE INSIGHT FROM FNB You can always look to FNB for expertise on the topics and trends that have the greatest impact on you and your business. In Business Strategies Today, experts from across our Company have covered a wide range of subjects, such as making the most of the economic environment, staying the course to innovation and planning for the future of your business. Just a few of the topics we’ve covered recently include: check International Expansion check Interest Rate Management check Payments Solutions check Wealth Management check Succession Planning check Cybersecurity check M&A To learn more about topics that may benefit your business, call us at 1-833-BANK-FNB or visit fnb-online.com/business 02
06 FNB’S DIGITAL SOLUTIONS STABLECOINS AND THE FUTURE OF CROSS-BORDER PAYMENTS 10 GAINING EFFICIENCIES WITH MODERN TREASURY MANAGEMENT TOOLS 08 CLICKS-TO-BRICKS: HOW FNB IS REWRITING THE BANKING EXPERIENCE 04 DELAWARE DISTRICT OF COLUMBIA MARYLAND NORTH CAROLINA OHIO PENNSYLVANIA SOUTH CAROLINA VIRGINIA WEST VIRGINIA FNB Planned Expansion Branch/ATM FNB Branch/ATM COMMERCIAL BANKING* ▶ Corporate & Business Banking ▶ Investment Real Estate ▶ Builder Financing ▶ Asset-Based Lending ▶ Lease Financing ▶ Capital Markets ▶ Investment Banking ▶ Commodity Hedging ▶ Public Finance ▶ Mezzanine Financing ▶ Treasury Management ▶ International Banking ▶ Small Business Administration (SBA) Lending ▶ Government Banking CONSUMER BANKING* ▶ Deposit Products ▶ Mobile & Online Banking ▶ Mortgage Banking ▶ Consumer & Small Business Lending ▶ eStore Digital Banking Experience * Bank deposit products and services provided by First National Bank of Pennsylvania. Member FDIC. Equal Housing Lender. FULL-SERVICE SOLUTIONS INSURANCE ▶ Property & Casualty ▶ Employee Benefits ▶ Personal ▶ Title WEALTH MANAGEMENT ▶ Trust & Fiduciary ▶ Retirement Services ▶ Investment Advisory ▶ Brokerage ▶ Private Banking Not FDIC/NCUSIF Insured Not Guaranteed by the First National Bank of Pennsylvania or its affiliates May Lose Value Not Insured by Any Federal Government Agency Not a Bank Deposit 03
FNB’s commitment to innovation is integral to our Company culture. It steers how our teams think and add value for our clients and communities. Our longstanding investments in digital technology and our Clicks-to-Bricks strategy have revolutionized the way we deliver products and services, engage clients and prospects, and drive future business decisions. CLICKS // DIGITAL INNOVATION -TOBRICKS How FNB is Rewriting the Banking Experience 04 FNB-ONLINE.COM
Conceived and championed by CEO Vincent J. Delie, Jr., our approach leverages a wide array of evolving technology that empowers clients to seamlessly manage their banking relationships across all of FNB’s physical and digital delivery channels. The resulting benefits — more flexibility, better client outcomes, less friction and enhanced transparency — create a one-of-a-kind, modern experience that is reshaping what consumers and businesses expect from their bank. Advancing User Experiences with eStore FNB’s digital strategy is designed to drive client primacy and increase market share through a uniquely full-service approach that starts with a fast, simple onboarding process. The goal is to make it as easy as possible to start or grow a relationship with FNB. Our flagship eStore platform is the center of our digital ecosystem and gateway to the FNB experience. Built using conventional e-commerce principles, including a shopping cart and checkout functionality, eStore recreates a familiar retail-oriented model for individuals, families or businesses to shop for financial products and services. Available at fnb-online.com, via mobile devices or at in-branch interactive kiosks, eStore enables users to digitally find and compare products and services, open accounts, apply for loans, schedule appointments with banking experts and access financial education resources. We continue to build out the eStore universe with capabilities that remove common barriers to account opening. For example, with the Common app, we were among the first banks in the industry to introduce a universal application that enables customers to apply for nearly all our products and services with one form. Today, consumers and businesses can apply for more than 50 loan and deposit products at once, saving time and minimizing keystrokes. Once their new accounts are opened, clients can automatically move their direct deposit and recurring ACH or debit card payments to FNB using our digital banking tools. Our comprehensive online and mobile banking suite provides visibility into and control over the banking relationship, with tools to monitor activity, set a budget, securely manage cards, understand and build credit, and explore financial education. It’s just part of why our clients increasingly choose FNB to be their main financial partner. Strengthening Relationships with Data and AI Data — its collection, management and analysis — is the engine powering Clicks-to-Bricks. FNB’s data science team translates millions of data points into insights that optimize our internal operations, differentiate offerings and produce meaningful client engagement. The team’s work, in part, enhances the Bank’s fraud prevention strategies, supports the development of more convenient solutions and strengthens FNB’s relationships with clients by enabling bankers to identify tailored recommendations. In recent years, we have equipped our customer-facing teams with artificial intelligence (AI) resources to drive efficiencies. Generative AI-enabled apps now assist Customer Contact Center and branch employees with questions or procedures related to day-to-day activities. With AI as an employee-enablement tool, our teams can work faster and more accurately while maintaining a personal touch. Transforming the Branch Experience As the spaces where Clicks-to-Bricks truly comes together, all our physical locations highlight a synergistic marriage of technology and in-person services. We know that there are still financial conversations that people prefer to have in person, and the branch experience remains a priority for FNB. We see branches as important sites for consultation and education, and as places for bankers and clients to build trust. Our emphasis on engagement is evident in our modern, open floorplan and the way we have evolved our staffing models to focus on relationships, not transactions. What Comes Next The future of FNB will continue to be geared toward innovation. Along with iterative upgrades to eStore, mobile apps and online platforms, the continued rise of AI and digital assets will present opportunities to refine services and build new ones. Regardless of what technologies and breakthroughs come next, FNB’s strategic direction, guided by Clicksto-Bricks, will be to ensure each initiative is focused on the seamless accessibility, flexibility and ease that clients expect and deserve. 05 BUSINESS STRATEGIES TODAY • SPRING 2026
eStore eStore is our award-winning digital banking platform where users can shop for and buy financial products and services. Whether opening a deposit account, applying for a consumer or small business loan or scheduling an appointment to meet with one of our banking experts, it is easy to add products to the shopping cart and check out. For added convenience, eStore can be accessed from anywhere — via our website, through our mobile app or in our branches. Common App We are one of the first banks to offer a single, universal application for almost all our products and services, including the ability to apply for multiple products simultaneously. Customers can use the Common app to apply for personal loans and checking and savings accounts, as well as for business loans and deposit accounts. We add further efficiency to the process with the FNB Document Center, a secure online portal for customers to upload necessary financial information and documentation in one place, largely eliminating the need to provide paperwork in person. Additional automated tools such as Payment Switch and Direct Deposit Switch ensure the entire onboarding process is fast and simple for new accountholders. FNB’S DIGITAL SOLUTIONS Our Clicks-to-Bricks Strategy Has Guided the Development of Industry-Leading Technologies Innovation is a core value at FNB. Scan the code to learn more about our solutions. 06 FNB-ONLINE.COM
Modern Concept Branch We operate more than 350 branches throughout seven states and Washington, D.C. All of these convenient locations include FNB technology, including interactive eStore kiosks, with our newest offices leveraging a modern, open design that facilitates engagement and consultation. Our branch design was developed in partnership with students at Penn State’s Smeal College of Business, ensuring we meet the needs of the next generation of banking consumers. ATMs with TellerChat Our network of more than 1,800 ATMs includes more than 130 Interactive ATMs (ITMs), which we call ATMs with TellerChat. FNB is a prominent adopter of ITM technology, enabling customers to engage with a banker using live video chat seven days a week, including after typical operating hours. The units have capabilities for a wide range of banking transactions, from check cashing and withdrawing money to depositing cash and checks and processing loan payments. We have developed a prototype for a next-generation eStore/ITM hybrid. Already operational at our corporate headquarters in Pittsburgh, PA, the device combines an eStore kiosk with an ITM to enhance efficiency for customers and present a cost-effective way for FNB to increase its customer access points, including in underserved communities. Continuous Innovation with a 360-Degree View The next major phase in the ongoing evolution of Clicks-to-Bricks is a new online and mobile banking dashboard that will provide one holistic view of a client’s entire financial picture, including their accounts that live outside of the FNB ecosystem. We expect to begin the rollout in 2026. 07 BUSINESS STRATEGIES TODAY • SPRING 2026
Treasury management is no longer just about processing payments. Businesses today must stay ahead of the curve by investing in modern solutions that reduce friction, enhance efficiency and integrate seamlessly with existing workflows. These stepping stones to modernization do more than future-proof the business — they enable an end-to-end experience built for agility, scalability and growth. FNB is leading this transformation with modern business banking platforms and capabilities offered through our Treasury Management group. Guided by our omnichannel Clicks-to-Bricks strategy, the team provides businesses with flexibility through secure online services that streamline payments, collections, information reporting and more. The results speak for themselves: intuitive, behind-the-scenes capabilities that create a smarter banking experience — enabling companies to concentrate on what they do best. with Modern Treasury Management Tools GAINING EFFICIENCIES // NEXT-GENERATION BUSINESS BANKING 08 FNB-ONLINE.COM
Processes that Protect In today’s digital age, safeguarding information is more important than ever. That’s why we offer a variety of services designed to keep a business’ banking protected and convenient. FNB’s comprehensive digital services bring together the tools businesses require to stay informed and in control. Real‑time reporting and secure online access make it easier to track activity, manage cash positions and oversee accounts from any location. Whether reviewing balances, reconciling payments or managing complex structures, such as escrow relationships, our offerings are designed to work together in a clear and intuitive way. By streamlining these tasks, we enable businesses to save time, reduce effort and operate with greater confidence. Along with modern services, protecting business accounts against fraud is a top priority, and we offer several tools designed to reduce risk. Positive Pay compares check issue information with data captured during processing to identify potential check fraud and help ensure that only authorized checks are paid. For businesses that rely on ACH transactions, our ACH Debit Filter screens incoming activity to assist in anticipating and preventing fraud. Through FNB’s insurance broker subsidiary, we can also direct clients to cyber liability policies that cover businesses in the event of a data breach involving unauthorized access to confidential information. Payments at Scale Making payments in large batches comes with its share of challenges. More payments often mean more employee logins, clicks and passwords — taking time that could be better spent elsewhere. Companies often engage with technologies and firms outside of their bank to make these processes more efficient. But what if there is a simpler way? FNB plans to roll out new capabilities that enable high volume payments to be initiated through secure files or API integrations. This flexibility empowers businesses to connect their existing systems directly to FNB so they may send and receive payments without additional logins or platforms. Large batches can be processed quickly, reflecting our commitment to meeting client needs. Payments in Near Real Time Financial institutions, including FNB, are increasingly offering services that leverage new payment rails to deliver nearly instant funds transfers. As the first new payment infrastructure to come to the U.S. banking system in decades, instant payments provide businesses and consumers the ability to send and receive funds in as little as 15 seconds — 24 hours per day, 365 days per year, regardless of a bank’s off hours, weekends or holiday closures. Last year, FNB activated the ability for clients to receive instant payments — giving access to the two major instant payments networks, Real-Time Payments (RTP) and FedNow — and we will continue to expand the service’s offerings in the future. Client-Centric Flexibility With convenient digital services and multiple engagement channels that increase operational efficiency, FNB offers flexibility that is a key differentiator. Clients tell us they value having access to a personalized approach and knowledgeable advisor who is able to develop strategies that meet their goals. With our white-glove approach, team members strive to be long-term partners in our clients’ success. Our innovative mindset has enabled us to quickly expand our capabilities to meet the needs of both small businesses and large-scale commercial clients across a wide variety of industries and verticals. Combined with our proprietary technologies like eStore, the future is now for businesses who are ready to modernize their operations. FNB’s comprehensive payment services make operations faster and more efficient. Scan the code to get started. 09 BUSINESS STRATEGIES TODAY • SPRING 2026
and the Future of // THINKING GLOBALLY The processes by which payments are exchanged have drastically evolved, from the invention of paper money to credit transactions, wire transfers and near real-time payments. Today’s payment innovations are especially transformative, with impacts felt worldwide. STABLECOINS CROSS-BORDER PAYMENTS Learn more about FNB’s International Banking solutions. 10 FNB-ONLINE.COM
employees and contractors who are based outside the U.S., or perform services for overseas entities may encounter common issues, such as slow transfers, burdensome “middlemen,” costly fees and opaque transaction processes that create opportunities for error or fraud. With the promised use cases of stablecoins, however, businesses can bypass the intermediaries involved in international transactions. The parties do not even need traditional bank accounts in the respective countries because stablecoins can be deposited into or sent from digital wallets. Meanwhile, the infrastructure for wider stablecoin adoption in crossborder payments is rapidly building. A new international messaging standard for payments, ISO 20022, was implemented by many institutions in 2025, enabling banks to more easily adopt new services, including stablecoins. The bank-owned cooperative that manages the messaging network, SWIFT, recently launched a service to enhance cross-border payments and is developing its own blockchain technology to support stablecoins and tokenized deposits. It all adds up to an emerging international payment ecosystem that will be more accommodating to digital currencies in the near future. Are Stablecoins the Future of Payments? Innovation almost always challenges an industry’s status quo, and often a more efficient and more accessible solution will displace established processes. Concerning stablecoins, the option is more likely to enhance the existing global payment structure than eliminate it. Financial institutions of all sizes recognize that reality, and many are in different stages of planning for or developing their own stablecoin solutions. As a leader in innovation, demonstrated by past adoptions of tools and protocols that provide modernized and secure transactions, FNB is also taking steps to embrace the future of payments and ensure that clients soon have better flexibility and connectivity than ever before. Tokenization, the process of turning a sensitive, real-world asset — such as money — into a digital representation, or token, has profound implications for improving liquidity, speed, efficiency and transparency in payments. As tokens take root in the world economy, many financial institutions are in the process of implementing or considering issuing stablecoins, a form of proprietary digital currency that is intended to uphold a stable value, making it a reliable payment option for businesses. The benefits of stablecoins include: • Price Stability: Aiming to maintain a constant value, and thereby reduce volatility compared to other forms of digital currency, stablecoins are often pegged to a government-owned currency. For example, a developing regulatory framework establishes 1:1 U.S. dollar (USD) backing for stablecoins. • Liquidity and Accessibility: Stablecoins offer a reliable medium of exchange and store of value that are suitable for everyday transactions. Transactions in any currency can be made 24 hours a day, seven days a week, 365 days a year, and can be settled nearly instantaneously. This is a vast improvement compared to traditional payment methods that can take hours or days, or perhaps longer for foreign transactions. • Transparency and Accountability: Stablecoins use blockchain technology — essentially, a public digital ledger that securely stores transaction data across a computer network. Utilizing its unique features of decentralization and transparency, users can perform real-time audits to verify transaction activity and track cash flow. Stablecoins can also be integrated with smart contracts, which are computer programs that automatically check information and execute transactions in the blockchain. Additionally, there have been early efforts to address consumer protections in the evolving regulatory environment. Cross-Border Potential Along with benefits that can increase business efficiency and reduce volatility, stablecoins have large potential to upgrade cross-border payments, whether they are foreign exchange transactions or USD payments. Businesses that frequently transact with global vendors, pay • Permitted Issuers: The act limits issuance to “permitted payment stablecoin issuers” (PPSIs), including banks, credit unions and qualified non-bank entities. • 1:1 Reserve Backing: Stablecoins must be fully backed by highquality, liquid assets, such as cash, government securities or deposits at insured institutions. • Oversight, Protection and Security: The legislation outlines certain federal and state regulatory oversight structures, ensures stablecoin holders have priority in the event of issuer insolvency, and addresses national security and anti-money laundering (AML) concerns. About the GENIUS Act In 2025, Congress passed the Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act, which was then signed into law with the intention to set industry standards and protect consumers as stablecoins increasingly enter the mainstream. Among the law’s key provisions: • Definitions: The GENIUS Act defines a “payment stablecoin” as a digital asset used as a means of payment or settlement and redeemable for a fixed amount, but not digital assets that are national currencies, bank deposits or securities under federal securities laws. 11 BUSINESS STRATEGIES TODAY • SPRING 2026
Data as of March 20, 2026 FNB10-264 Equal Housing Lender | NMLS #766529 | Member FDIC Let’s get started. Visit fnb-online.com to learn more. FNB is redefining what’s possible with sophisticated products and solutions, local expertise and award-winning customer service. With our superior capital position and experienced management team, we have more than 160 years of strength and stability to help your business thrive. Proven performance that powers your business forward. Can your bank do that?
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