The Community Reinvestment Act (CRA) encourages financial institutions to serve the credit needs of all segments of the communities in which they are chartered to do business, including low- and moderate-income neighborhoods. FNB’s Board of Directors and senior management recognize that such efforts not only are a part of our obligations under the CRA and related anti-discrimination lending laws, but also are consistent with our corporate values to treat our customers fairly. By understanding that our own success is predicated on the advancement of our communities, we deliver the necessary capital, resources and expertise that are vital to economic expansion in our regions, including areas deemed most financially vulnerable. Our significant efforts, such as providing specialized products and services, partnering with community development agencies, investing in projects designed to improve neighborhoods and developing financial literacy programs, are the critical building blocks for better communities. Education Financial literacy is a key component of our community development programs. Our Financial Insights program was developed with input from our community partners and advisors to create a financial literacy program that is truly unique, delivered online, in our branches and throughout the community, and designed to help participants learn the fundamental tenets of financial responsibility. Simplified financial literacy topics use video content to deliver complex banking topics facing consumers today in a timely and straightforward, easy-to-understand format — both when and where they want to receive it. Products and Services FNB offers a wide range of low-cost products and services to serve the diverse needs of customers within our footprint. •  Freestyle Checking is a checking account with no minimum balance requirement or monthly maintenance fee and includes free electronic statements. •  WorkPlace First Checking is another innovative checking product designed to meet the specific needs of local businesses and their employees. A qualified business can enhance its overall employee benefits program by offering a banking package to its employees at no cost to the business. Employees of the business are eligible for a no-monthly-fee checking account as long as they make at least one branch, ATM or mobile deposit each month. Employees of the business also are eligible for an exclusive package of discounted banking products and services. •  FNB-U Student Checking Account is a non-interest bearing account designed for students ages 16 and older. The Student Checking Account is part of a Student Banking package that includes a Smart Option Student Loan® through Sallie Mae and a SaversGoal Certificate of Deposit (CD) to encourage sound consumer financial behavior. •  FirstRate Savings is a low minimum balance savings product. The FNB Home Ownership Program provides two loan products specifically tailored to the needs of low-income homebuyers, which have been recognized by community groups and advocates as both innovative and responsive to homebuyer needs. The FNB Home Ownership Program and the FNB Home Rehabilitation Program are available for qualified low- and moderate-income borrowers or to borrowers who are purchasing in a low-to-moderate income (LMI) area. The programs include no mortgage insurance requirements and lower down payment and credit score requirements. For the unique needs of small businesses, FNB offers: •  U.S. Small Business Administration (SBA) Loans. In 2018, FNB closed more than 60 SBA loans for nearly $60 million, making it easier for small businesses to access capital and obtain loans. •  NC Rural Center’s Loan Participation Program. This uniquely tailored small-business lending program works with local lenders throughout North Carolina to help make more loans in their communities and region. In 2018, FNB was involved with 16 loans through the NC Rural Center for a dollar amount of over $17 million. •  SBA 504 Loans. The SBA 504 Loan program offers small businesses another avenue for business financing, while promoting business growth and job creation. In 2018, FNB closed four SBA 504 loans for a total amount over $7 million. FNB also invests with Community Development Financial Institutions and Small Business Investment Companies, which both promote community development and help small businesses to grow. FNB participates in several innovative and flexible lending programs, including through the Federal Housing Administration, North Carolina Housing Finance Agency, United States Department of Agriculture and U.S. Department of Veterans Affairs (VA), including the VA Interest Rate Reduction Refinancing Loan program. In addition to VA loans, current military service members are also eligible for our WorkPlace Banking program that provides the same benefits that our employees receive on their checking accounts, including no minimum balance, no overdraft protection transfer fees, no application fee or closing costs on new installment and home equity lines of credit and more. Comm unit y De velopment “At Empowering and Strengthening Ohio’s People, we are committed to helping low-income Ohioans transcend poverty through homeownership. A critical component to our success is to partner with financial institutions like First National Bank to ensure that our clients are educated and prepared to navigate this overly complex and intimidating process. Our partnership with FNB helps first-time buyers develop trust and attain safe and affordable mortgage products that they can sustain over time. FNB’s financial support and affordable loan products help our clients achieve their own American Dream.” -  Roz Quarto, Executive Director, Empowering and Strengthening Ohio’s People (ESOP) The FNB Home Ownership Program provides loan products specifically tailored to the needs of low-income homebuyers, which have been recognized by community groups and advocates as both innovative and responsive to homebuyer needs. 9 8