Email/Text and Other Electronic Messaging Disclosure

This electronic communication is for informational purposes only. The information contained in this electronic communication is not warranted as to completeness or accuracy, and is subject to change without notice. Any comments or statements made herein do not necessarily reflect those of F.N.B. Corporation or First National Bank of Pennsylvania (collectively, “F.N.B.”).

This electronic communication may contain information that is proprietary, privileged, confidential, and/or exempt from disclosure under applicable law. Additionally, this electronic communication may contain information that is considered material, non-public, or forward-looking under federal and state securities laws, and thereby subject you to the requirements of these laws. You should consult with your own counsel if you are uncertain as to your obligations under federal securities laws. This electronic communication and any attachment is specific to the recipient and may not be reproduced, redistributed, or transmitted, in whole or in part, without the prior written consent of F.N.B. If you are not the intended recipient, you are not authorized to use the information in this electronic communication in any way. Please delete this electronic communication and notify the sender immediately. Any unauthorized use is strictly prohibited.

F.N.B. does not guarantee that communications transmitted electronically (sent or received) are secure, accurate or complete as information could be intercepted, tampered with, corrupted, lost, destroyed or delayed, or could contain viruses. Although this electronic communication and any attachments are believed to be free of any virus or other defect that might affect any computer system into which it is received and opened, it is the responsibility of the recipient to ensure that it is virus-free.

Electronic communications are not a reliable means of communicating with F.N.B. As such, F.N.B. does not accept any responsibility for the contents of any electronic communication, or for any delays, inaccuracies, or omissions in the receipt of your instructions, or in the transmission of orders or other information to F.N.B. Furthermore, F.N.B. disclaims all liability to the fullest extent permitted by applicable law for any loss or damage arising from any reliance on, or use of, this message in any way.

Please note that any electronic communication that is conducted within or through F.N.B.'s systems is (i) subject to monitoring, review, retention and external production; and (ii) will be treated in accordance with F.N.B.’s policies, in addition to applicable laws and regulations.

By electronically communicating with F.N.B., you understand and accept all risks associated with electronic communications.