First National Bank | Client Point

CLIENT POINT Online Access to Your Wealth Management Account

As costs associated with paper, postage, handling and printing technology continue to rise, demand for paper statements continues to decline. As a result, many Ànancial institutions are forced to introduce fees for the continued delivery of paper statements. With Client Point, you don’t have to worry about the potential of statement fees. Eliminate the need to locate old statements whenever they’re requested by an accountant or other tax professional. With Client Point, you can delegate access to trusted individuals who may obtain the information they need without interrupting your daily routines. If you receive paper statements – and you’re like most folks – chances are they’re stored in anything from an unlocked Àling cabinet to a box in the closet! Unfortunately, as identity theft continues to rise, these storage methods are risky. Client Point allows you the ability to retrieve statements and account information online, or by downloading this information to your local computer or storage device. Why wait for your monthly or quarterly statement? Client Point lets you access and monitor your account information 24/7/365. In addition, because our system offers state-of-the-art technology, you can rest assured that your account information and statements are delivered in a secure environment. Immediate Access to Your Account • • • • Statement Storage Made Easy... and Secure Flexible Access It’s Free! Client Point was specially designed to provide an intuitive interface offering a number of ways for you to customize the way you view your Ànancial information. Need some help starting? Your dedicated account team is ready to show you how to get the most out of the system. Almost everyone has become more conscious about the need to protect our environment, and receiving your statements electronically is just one more thing you can do to protect mother earth. • • It’s Environmentally Friendly It’s Easy to Use (We’ll Show You!) Key Benefits Of Client Point

maximize wealth Client Point is a powerful tool that allows you to review your Ànancial information in a wide variety of ways, provides access to powerful learning tools and current events, plus lets you customize the manner in which you view your holdings. When you start exploring and utilizing all of the features offered by Client Point, you’ll wonder how you ever managed without it!

Portfolio Positions Allocation Positions Objectives Equity Analysis Fixed Income Analysis Compar Allocation Asset Location Income Gain/Loss Portfolio Activity Documents Tools Links Group Accounts (HD) THE Additional Filters View By Group Summary Description CUSTOMER FAMILY HOLDINGS Quantity Total Portfolio Cash & Equivalents Money Markets INCOME CASH PRINCIPAL CASH Money Markets - Taxable POIXX 0.000 0.000 Category Cash & Equ 54.30% - - 38.03% 7.69% Fixed Incom Equities Total The Activity tab is where you can review all year-to-date deposits, trade activity, withdrawals and withholdings (such as pre-arranged payments, fees and taxes), as well as realized gain and loss activity. The Documents tab is where you’ll Ànd all of your statements as well as other documents such as Legal and Investment Agreements, account alerts and other correspondence. Remember, you may print these documents whenever you like, or save them to a local device. The Group Accounts tab is for those who serve as trustee for more than one individual or business/ institutional entity, or if you maintain multiple investment accounts at FNB. Here you may group accounts in different ways in order to access overall performance. When you log into the system, here’s where you’ll land. You’ll immediately see a graphic representation and detailed breakdown of your investment portfolio. The Anatomy Of Client Point Here’s a quick overview of the many ways you can leverage this resource:

rison Watchlist Preferences Access March 17, 2015 E HOME DEPOT INC. 74.86 +0.36 +0.48% (XOM) EXXONMOBIL CORP. 86.98 +0.15 +0.17% (V2) VERIZON Get Quote Account JOHN Q. CUSTOMER Price Market Value Cost 86,347.31 86,347.31 0.00 0.00 86,347.31 86,347.31 86,347.31 0.00 0.00 86,347.31 $1.00 $1.00 $1,122,492.69 959,522.89 uivalents 86,347.31 426,613.69 609,531.69 7.69% 38.01% 54.30% $ $ $ me 1,122,492.69 100.00% $ Market Value % Market Value If you’re looking to expand your Ànancial IQ, the Tools tab is for you! This is where you’ll Ànd educational and reference materials such as planners, calculators and explanations of investment terminology. The Links tab provides quick access to online resources, including the FNB Corporate web site (and online access to your traditional bank accounts), the FNB Wealth Management Financial Resource Center, Bloomberg and Yahoo Finance. Client Point also gives you the ability to safely and securely store all of your important Ànancial information in Client Vault. For example, itemized listings of all your assets, insurance policies, important contacts or even a copy of your will are just some of the documents that can be converted to pdfs and uploaded to the system. Your Relationship Advisor is ready to help you take advantage of this powerful feature.

Products and services offered through F.N.B. Wealth Management are not FDIC insured; are not deposits or obligations of or guaranteed by F.N.B. Corporation or its afÀliates. These products are subject to investment risk, including possible loss of principal. Accessing Client Point for the Àrst time is easy – even if you don’t consider yourself computer savvy! That’s because we’re standing by, ready to help you log in for the Àrst time, to set up your preferences and to walk you through all of the useful ways the system will make your life easier. Just speak with your Relationship Advisor, or call 855-688-0001. Let’s Get Started