5.25% APY 5-month CD Special¹ or 4.75% APY FirstRate Money Market³

1 - 5-Month CD: Annual Percentage Yield (APY): The APY is accurate as of June 3, 2024. Open a NEW 5-month Certificate of Deposit (CD) Special with new money and meet the conditions set forth below to receive the promotional APY. APY is subject to change at any time without notice. Offer applies to consumer and business accounts only. To be eligible for the promotional APY of 5.25%, you must meet the following conditions: 1) Make a minimum opening deposit of $10,000, which is not currently held in an FNB account; and 2) Have an existing FNB consumer or business checking account OR open a NEW FNB consumer or business checking account. This promotional rate cannot be combined with other offers. The promotional interest rate is limited to one account per household and is available on account balances of $10,000 up to $250,000. Deposit limitations exist for online funding. A penalty may be imposed for early withdrawals. After maturity, if you choose to roll over your CD, it will roll over into a 5-month CD, and you will earn the base rate of interest in effect at that time for a 3-month CD. Fees could reduce earnings on the account. See the Consumer or Business Fee Schedules, which are available at any FNB branch, for further information on fees applicable to your accounts. This promotional interest rate is not available for public funds. Offer is subject to withdrawal by FNB at any time. MEMBER FDIC / NYSE: FNB Offer available in the following states: Pennsylvania, Ohio, West Virginia, North Carolina, South Carolina, Virginia, Maryland, and the District of Columbia.

2 - 7-Month CD: Annual Percentage Yield (APY): The APY is accurate as of February 29, 2024. Open a NEW 7-month certificate of deposit (CD) special with new money and meet the conditions set forth below to receive the promotional APY. APY is subject to change at any time without notice. Offer applies to consumer and business accounts only. To be eligible for the promotional APY of 5.00%, you must meet the following conditions: 1) Make a minimum opening deposit of $10,000, which is not currently held in an FNB account; and 2) Have an existing First National Bank consumer or business checking account OR open a NEW First National Bank consumer or business checking account. This promotional rate cannot be combined with other offers. The promotional interest rate is limited to one account per household and is available on account balances of $10,000 up to $250,000. A penalty may be imposed for early withdrawals. After maturity, if you choose to roll over your CD, it will roll over into a 7-month CD, and you will earn the base rate of interest in effect at that time for a 6-month CD. Fees could reduce earnings on the account. See the Consumer or Business Fee Schedules, which are available at any First National Bank branch, for further information on fees applicable to your accounts. This promotional interest rate is not available for public funds. Offer is subject to withdrawal by First National Bank at any time. MEMBER FDIC / NYSE: FNB Offer available in the following states: Pennsylvania, Ohio, West Virginia, North Carolina, South Carolina, Virginia, Maryland, and the District of Columbia.

3 – The First National Bank (FNB) FirstRate Money Market account promotion offer is available from July 1, 2024, through September 30, 2024. To be eligible for the promotional Annual Percentage Yield (APY) of 4.75%, you must meet the following conditions: (1) open a NEW or have an EXISTING qualifying FNB FirstRate Money Market account; AND (2) have an existing FNB personal checking account OR open a NEW FNB personal checking account and maintain a monthly average balance of $500.00 or more. A minimum deposit of $50,000.00 in new money must be deposited to the NEW or EXISTING FirstRate Money Market account to receive the promotional interest rate. New money is defined as funds that are not currently held in accounts, investments, or other products at FNB. If you are depositing into an EXISTING Money Market account, the promotional code must be added to your account to get the promotional rate. Contact your branch for more information. The tiered interest rate and APY is based upon the daily collected balance in the account. Promotional rates do not apply to balances less than $50,000.00. If the daily collected balance is below $50,000.00 in your FirstRate Money Market account or if the monthly collected balance is below $500.00 in your personal checking account, you will not receive the promotional APY of 4.75% in your FirstRate Money Market account. The current interest rate for any daily collected balance below $10,000.00 is 0.25% APY; below $50,000.00 is 0.50% APY. Interest rates are variable and based on a tiered rate structure. Rates are subject to change at any time. The promotional interest rate is limited to one account per household with a balance of of $50,000.00 and up to $2,000,000.00. The FirstRate Money Market account is available to open July 1, 2024, through September 30, 2024, with a promotional rate of 4.75% APY. This rate is variable and subject to change at any time at the bank’s discretion.

Fees could reduce earnings on the account. See the Consumer Fee Schedule, which is available at any FNB branch, for further information on fees applicable to this account. The promotional interest rate is not available for institutions or public funds. FNB reserves the right to remove the promotional rate if you fail to satisfy the conditions or limitations for eligibility, or if FNB determines in good faith that your account or transaction activity violates the spirit or intent of the promotion. Offer is subject to modification or withdrawal at any time.