Digital Products and Services At FNB, innovation is one of our core values and a major part of how we do business every day. Our state-of-the-art technology and leading-edge products and services allow us to provide customers with a banking experience that meets their evolving preferences. The majority of these innovations are part of our Clicks-to-Bricks strategy that creates a fully digital banking platform to integrate the in-branch, online and mobile banking experiences. Designed to create a consistent, consultative, streamlined and transparent experience for our clients across all channels, Clicks-to-Bricks utilizes technology, data analytics and artificial intelligence to provide the most relevant and advanced products and services to our customers. Our interactive Solutions Center kiosks feature multiple product boxes, brochures and videos to help customers find the right financial solution for them, from checking and savings to a bundle of small business solutions, wealth management and insurance. Three proprietary financial literacy modules also are included to educate and assist customers with managing their checking accounts to avoid overdrafts, build and maintain good credit and buy a first home. The content also is available online and on branch iPad® tablets so employees can take this unique experience outside the walls of the branch. Visit www.fnb-online.com/learn. FNB’s Clicks-to-Bricks strategy gives customers the flexibility to manage their banking according to their unique needs and preferences. FNB has invested heavily in its online and mobile banking solutions to accommodate changes in technology, and, most importantly, to improve customer access to account information. By making it more convenient for customers to manage their accounts through various channel options and tools they prefer, we facilitate increased engagement with their spending activity and better enable them to engage in responsible financial habits. FNB’s comprehensive and continually evolving suite of digital banking tools includes: •  A state-of-the-art technology branch design, which is more open and encourages a more educational and consultative experience featuring easy-to-use and easy-to-access products and services, including our one-of- a-kind Solutions Centers, tech bars and use of iPads, •  Solutions Center kiosks that feature multiple product boxes, digital brochures and videos to help customers find the right solutions, from checking and savings, to a bundle of small business solutions, wealth management and insurance, to our proprietary financial literacy modules, •  Branches and bankers equipped with iPads to replace paper brochures with transparent, interactive product and financial education content, allowing employees to open accounts, use video content for demonstrations, share product knowledge and take this unique experience outside the walls of the branch, •  A robust online banking platform, including bill pay and a unique interactive budget center, •  Industry-leading mobile banking capabilities, with remote deposit, instant balance access and fully customizable alerts and push notifications, •  Mobile payments solutions, including Apple Pay® and Zelle® person-to-person payments, •  CardGuard mobile debit card controls, which provide enhanced protection against fraud and improved budgeting support by enabling customers to turn their debit cards on and off and to set transaction controls based on amount or geographic location, •  A website specially designed for streamlined navigation, ease-of-use and product selection, including virtual renditions of the Solutions Center content found in the branches, •  A comprehensive Financial Insights program dedicated to the financial education needs of our customers, •  ATMs with TellerChat technology that support live video conferencing to the ATMs from tellers who are located in our call centers and can conduct many transactions that can be performed at the teller line today but cannot be conducted at a traditional ATM, and •  FNB’s website which includes our unique Help Me Decide account selection tool that customers can use to determine the best deposit account to fit their checking or savings needs. The account can then be opened and funded directly through our Company website or FNB Direct mobile banking app, adding a valuable benefit for customers who may have difficulty traveling to a physical branch. As always, FNB representatives are accessible by phone and in FNB branches to provide consultation and assistance to all of our customers through our domestic call centers or through our convenient branch network. 10 11