Being a leader in the community means making a positive impact where we live and work. A valued leader and integral partner, FNB makes a practice of giving back through volunteerism, employee donations and corporate philanthropic giving. We strive to set an example by engaging in behavior that creates change for all members of our communities. Shared success is our goal — when our communities thrive, we thrive as well. We empower our local leadership to be actively engaged with meaningful community projects, organizations and decisions that enhance the regions where we do business. Leadership and Service At FNB, we believe that doing what’s right for our customers starts with making our communities even better places to live and work — and that the best way to do that is to get involved. Our dedication to the communities we serve starts at the top of the house with FNB directors who are active on a wide range of boards. Our Board members collectively provided nearly 1,800 hours of their time in 2018 to support more than 50 non-profit and charitable organizations and have served in leadership roles at 42 charities, nonprofit organizations and civic endeavors that promote and improve the quality of life for economically disadvantaged communities and minorities. All employees are expected to serve as engaged community partners, taking a leadership role to affect positive and meaningful change in the communities in which they live and work. Our employees volunteer tens of thousands of hours each year, with over 27,000 recorded hours volunteered in 2018. By taking action with partners like the United Way, we demonstrate our culture of caring and how we make our neighborhoods stronger by working together. FNB encourages employees to support the United Way to create a better future for all, including its goals of providing aid to 8,000 veterans and their families, supporting 105,000 children to succeed in school and in their futures and enabling 20,000 individuals with disabilities to pursue greater independence through gainful employment and housing options. In conjunction with the outpouring of volunteerism and financial generosity from our employees, FNB’s 2019 United Way campaign instituted a dollar-for-dollar corporate match of employee contributions. Our commitment to the welfare of our communities also is illustrated by the fact that FNB employees serve on the boards of directors for 21 economic development organizations across our footprint, such as Bridgeway Capital, Johnstown Industrial Development Corporation, Penn Northwest Development Corporation and Piedmont Triad Regional Council. In addition, FNB employees serve on the boards of directors for 49 CRA- qualified nonprofit organizations that assist low- and moderate-income residents. These CRA-related organizations include shelters such as the Keystone Mission and Hospitality House of Boone, affordable health care services such as East Liberty Family Health Center and food assistance agencies such as Yadkin Christian Ministries. Leading the way as examples in our field, FNB employees personally assisted in presenting financial literacy classes and homebuyer workshop activities totaling approximately 850 hours throughout our markets to people of all ages as well as people from various demographic backgrounds. These classes were held in partnership with organizations such as NeighborWorks, Fair Housing Council of the Capital Region and Spanish American Civic Association, and were designed to help those in attendance learn how to make financially responsible decisions. FNB is especially pleased with its ongoing commitment to promote housing opportunities for economically disadvantaged people through a partnership with the highly selective FHLBank Affordable Housing Program (AHP), which is the largest private source of grant funds for affordable housing in the United States. FNB employees assisted with 11 AHP applications and three were awarded funds. A total of 155 service hours have been logged assisting the developers and the consultants working on those applications since 2015. FNB’s Community Spirit Awards recognize employee leadership and service in our local communities. These awards highlight employees whose extraordinary leadership and commitment have made our communities better places to live and work. Employees are recommended for this recognition by their regional leadership, and winners of the Community Spirit Award are honored with a significant donation from FNB to a qualified charity of their choice. Social RESPONSIB ILIT Y Charity Denim Days FNB gives employees a chance to give back on the job, too, through “Denim Days.” Each month, employees are given the opportunity to wear blue jeans in exchange for a small donation to an organization on a rotating list of national and locally based charities. It all adds up to a big difference for our communities. Youth Opportunities Unlimited (Y.O.U.) is a nonprofit workforce development organization based in Cleveland, Ohio, that serves at-risk teens and young adults living in economically distressed areas. FNB has partnered with Y.O.U., Cuyahoga County and United Way since 2016, and is the only remaining financial institution to do so in the region. In 2018, FNB's involvement included teaching approximately 30 financial literacy classes with our own proprietary financial education series as well as opening checking and savings accounts for youth. 5 4