Retail Relationship Banking Program Offer

Effective Date: 05/01/2026

Customers who meet all eligibility requirements described below, following validation by FNB of continuing compliance with all eligibility requirements, may qualify for a total bonus of up to $1,000, paid in four (4) quarterly $250 installments, deposited directly into your FNB Checking account. This promotional offer may only be redeemed at fnb-online.com. The first installment of $250 will be paid after a 90‑day lookback period from your opt‑in date, during which FNB will review and validate that all eligibility requirements have been met. Once eligibility is confirmed, the first $250 installment will be deposited into your FNB Checking account within 15 days following the end of the 90‑day period. The remaining portion of the bonus will be paid in three installments of $250, each issued approximately 90 days apart, provided all program requirements continue to be met. Bonus payments are not guaranteed and may be delayed or forfeited if eligibility requirements are not maintained. Customers must maintain their mortgage with FNB for the full duration of their participation in the Relationship Banking Program. Paying off or refinancing your mortgage loan prior to the full bonus payout will result in forfeiture of the remaining bonus monies. There is a limit of one bonus per mortgage loan and per customer. This offer may be changed or withdrawn at any time prior to enrollment. The offer is not transferable and is not available where prohibited.

To be eligible for and to opt-in to the bonus, you must:

1. 1. Enroll in Online Banking at https://www.fnb-online.com/.
2. 2. Open a new, qualifying personal checking account with us (new or existing customers are eligible; see “Qualifying Accounts” below).
3. 3. Set up a qualifying¹ Payroll Direct Deposit into the new FNB checking account.
4. 4. Enroll your mortgage for automatic ACH payments from the new FNB checking account and do one (1) of the following.

• Set up and utilize either Online Bill-Pay or Payment Switch and set up automatic payment of at least one additional recurring bill outside of your mortgage payment (i.e., utilities, mobile, insurance) from the new FNB Checking account.
• Make at least one (1) recurring electronic debit transactions from your new personal checking account upon opening the new FNB Checking account (including, but not limited to, point-of-sale transactions, pre-authorized electronic funds transfers (recurring EFTs) Online Bill-Pay and other ACH payments). ATM withdrawals, transfers to other accounts, wire transfers, personal checks and Zelle™ payments are not considered electronic-type debit transactions.

A qualifying checking account is any consumer checking account that supports ACH transactions, Direct Deposit and Online Bill-Pay (eStyle, Lifestyle, or Premierstyle). “ACH mortgage payments” means recurring electronic debits from your qualifying checking account to pay your monthly mortgage. “Automatic payment of at least one additional bill” means a separate recurring electronic payment scheduled through our online banking or the merchant’s ACH debit from your qualifying checking account. The Bonus will be treated as income and reported to the IRS on Form 1099 for the year in which it is paid. You are responsible for any applicable taxes. Please consult a tax advisor regarding your personal tax situation. Participation in this program is optional. This banking offer is optional and not a condition to obtain, keep, or modify your mortgage. Your loan documents remain unchanged. Choosing not to participate will not affect the servicing of your mortgage. Your qualified Checking account may incur fees or accrue interest based on balance. Please see fnb-online.com or visit your local branch for current rates. Fees could reduce the earnings on the account. See the Consumer Fee Schedule, which is available at any FNB branch, for further information about fees applicable to this account. FNB employees and their household members may be excluded from this offer. Fiduciary, estate or business accounts, or accounts opened through non-customer channels, may not be eligible for the program. By enrolling, you consent to the bank verifying account activity (ACH mortgage payment and Online Bill-Pay or Payment Switch, Direct Deposit, and Checking Account Statement Balance (if applicable)) solely to confirm eligibility for the Bonus, consistent with our Privacy Notice. We do not share your information except as permitted by law. This offer is non-transferable and may be changed or canceled at any time without notice. We reserve the right to refuse payment of any bonus reward if we determine, in our sole discretion, you have failed to satisfy any eligibility requirement, or engaged in conduct that does not align with the spirit and intent of the offer, acted in bad faith or attempted to manipulate or exploit the offer terms, or engaged in fraudulent or abusive conduct in connection with your participation in the offer. This offer is available in the following states and the District of Columbia: Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, Virginia, Massachusetts, Tennessee, Rhode Island, Connecticut, Arizona, Florida, Delaware, Georgia, New Jersey, New York, Indiana and Kentucky.

¹ Your qualifying direct deposit(s) must be a preauthorized electronic-fund transfer, including, but not limited to, a paycheck, social security or pension payment from your employer, a government entity (such as Social Security) or other affiliated depositors. External bank transfers, checks, interest payments and person-to-person payments (such as Zelle, Venmo, PayPal, wire transfers, etc.) are not considered qualifying direct deposits. Additionally, Micro-deposits do not qualify as a direct deposit. Micro-deposits are small deposits, typically less than $1, that are sent to your account to verify it is the correct account.

This offer is valid for 60 days from the date the promotional email is received.

Member FDIC. Equal Housing Lender. This offer is subject to change or withdrawal without notice. All trademarks are property of their respective owners.