F.N.B. Investor Relations Material

F.N.B. Corporation is engaged in providing a range of financial services primarily to consumers, corporations, governments, and small- to medium-sized businesses. The company operates in two segments, Banking Services and Other Services. F.N.B.'s banking business offers deposit products; financing services consisting of credit cards and loans for the purchase of furniture, telecommunications equipment and recreational vehicles; and trust, accounting, treasury management and safe deposit services. The company's other operations provide international express money order service; sale of prepaid telephone cards through Automated Teller Machines (ATM); bill payment processing for utility companies; credit card and debit card merchant service for the hospitality industry; transportation leasing services; agency services for home and auto insurance; data processing center services; insurance premium financing, title insurance and real estate closing services; technology solutions including managed hosting solutions, IT infrastructure outsourcing products as well as applications development; and trust/estate settlement/trust administration service.