General Information & Offer Details:

• 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.*
• 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.
• Bonus payments are not guaranteed and may be delayed or forfeited if eligibility requirements are not maintained.
• This banking offer is optional and not a condition to obtain, keep or modify your mortgage.
• This offer may be changed or withdrawn at any time prior to enrollment.
• The offer is not transferable and is not available where prohibited.

Eligibility:*

To be eligible for the bonus, you must:

• Be the recipient of the promotional email.
• Make a qualifying payroll direct deposit(s) into the checking account listed in the promotional email. Your qualifying direct deposit(s) has to be an electronic-type deposit, including, but not limited to, a paycheck or pension from your employer, government benefits (such as Social Security) or other affiliated depositors.
• Enroll your mortgage for direct electronic payments via the automated clearing house (ACH) network from the checking account listed in the promotional email.
• Do one (1) of the following:
  • Set up and utilize either Online Bill Pay or Payment Switch and set up direct electronic payments for at least one (1) additional recurring bill outside of your mortgage payment (e.g., utilities, mobile, insurance) from the FNB checking account listed in the promotional email.
  • Make at least one (1) recurring electronic debit transaction from the FNB checking account listed in the promotional email (including, but not limited to, point-of-sale transactions, pre-authorized electronic funds transfers (EFTs), Online Bill pay and other ACH payments).
• Maintain a mortgage with First National Bank (FNB) for the full duration of your participation in the offer. Paying off or refinancing your mortgage loan prior to the full reward payout will result in forfeiture of the remaining reward monies.

Exclusions:*

Qualifying Payroll Direct Deposit(s):

• External bank transfers and person-to-person payments (such as Venmo^®, PayPal^®, etc.) are not considered qualifying direct deposits.

Recurring Electronic Debit Transaction(s):

• ATM withdrawals, transfers to other accounts, wire transfers, personal checks and Zelle^® payments are not considered electronic-type debit transactions.

Terms & Conditions:*

• 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 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.

No Effect on Mortgage Terms:

• 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.