Vincent J. Delie, Jr. Chairman, President & CEO F.N.B. Corporation First National Bank For more than 150 years, First National Bank (FNB), the largest subsidiary of F.N.B. Corporation, has built long-lasting customer relationships based on integrity and trust. From our roots as a largely rural institution, we have emerged as a premier regional bank spanning seven states and the District of Columbia. We maintain top retail deposit market share in multiple metropolitan statistical areas throughout our footprint. FNB’s successful growth has made it possible for us to serve new customers in new markets, offer significant opportunities for employees to grow their careers and give back to the communities we call home. Throughout our journey, we’ve remained steadfast in our commitment to provide superior service and do what’s right for our customers. Our strategy has always been focused on building successful communities and providing financial solutions that are tailored to the needs of our customers. Our Company mission outlines why we are here: •  To help our customers achieve economic success and financial security by building relationships based on trust and integrity •  To build a diverse workforce where employees can learn, grow and prosper as contributing members of a winning team •  To create sustainable, long-term value for our shareholders •  To improve the quality of life in the communities we serve Achieving our mission takes forethought, action and continuous evaluation. Our focus is centered on prudent management of lending activities, the innovative deployment of products and services, community development investments and philanthropic gifts. With significant and ongoing collaboration with community partners, FNB has developed a forward-looking corporate responsibility plan to report our efforts to empower communities across our multi-state footprint to achieve economic success. FNB conducts business based on the philosophy that our success is linked to that of the communities we serve. Our dedication to service and to act in the best interest of our customers and the cities, towns and communities they call home has never wavered. As we continue to grow, we will remain actively engaged with the projects, organizations and decisions that shape the regions where we do business, including being a leader in promoting sustainability and clean environmental practices. COMMITMEN T FNB is committed to making our Company a great place to work for our dedicated employees, which translates to premium service for our customers, proactive engagement with our communities and strong financial performance for our shareholders. We have been repeatedly recognized across our regions for our differentiated client experience, workplace culture and leadership in the community. Highlights include: •  A top mobile app among Mid-Atlantic regional banks for features and innovation (S&P Global Market Intelligence “2018 US Mobile Banking Market Report”) •  Nationally recognized with the President’s “E” Award for Export Service, the highest recognition any U.S. entity can receive for making a significant contribution to the expansion of U.S. exports (United States Department of Commerce 2018) •  Top 10 Regional Bank (Bankrate.com 2019) •  Winner of the United Way’s 2018 Fred Rogers Good Neighbor Award, celebrating corporations and individuals who have dedicated countless hours to improving the community through volunteerism (United Way of Southwestern Pennsylvania 2018) •  Best Places to Work in Western Pennsylvania (Pittsburgh Business Times 2011-2018) • Top Workplaces in Pittsburgh (Pittsburgh Post-Gazette 2011-2018) •  Top Workplaces in Northeast Ohio (The Plain Dealer 2015-2018) •  Best Places to Work in Baltimore, Finalist (Baltimore Business Journal 2017-2018) •  Winner of more than 40 Greenwich Excellence Awards since 2009, including awards for satisfaction among Small Business clients both nationally and regionally (Greenwich Associates 2018) •  America’s 100 Best Banks (Forbes 2019) •  List of America’s Most Just Companies (JUST Capital 2018) •  Top 100 Organizations in Central Pennsylvania – F.N.B. Corporation (PA Business Central 2014 – 2019) •  Top 100 People in Central Pennsylvania — Vincent J. Delie, Jr., Chairman, President and Chief Executive Officer (PA Business Central 2014 – 2019) 8 2 8 th 4 2018 2018 President's “E” Award At F.N.B. Corporation, we believe in doing what’s right for our customers and communities. 2 3