WELCOME TO FIRST NATIONAL BANK Providing products and services as unique as the clients we serve

Your guide to key conversion dates and comprehensive financial solutions.

GROWING STRONGER Questions? Stop by your neighborhood First National Bank office or call 1-800-555-5455. TO SERVE YOU BETTER fnb-online.com

Bank products are Equal Housing Lender, Member FDIC unless otherwise noted. NYSE: FNB CONSUMER PRODUCTS AND SERVICES 3

TABLE OF CONTENTS OF TABLE Important Dates: 11, and March Saturday, 2017 12, March Sunday, will be and NewBridge locations All Yadkin for the transition. closed to prepare 2017 13, March Monday, locations and NewBridge All former Yadkin Bank. will open for business as First National of products gain access to the full range You by First National Bank. and services offered during the week for our Visit a local office Open House and celebrate our commitment to serving you as a First National Bank customer. 2 4 8 10 12 13 14 15 16 17 31 Introduction Accounts Accessing Your Checking Accounts Savings Accounts Cards Debit and Credit Convenience Banking Mortgages and Loans Management and Insurance Wealth Private Banking and Services Business Products First National Bank Difference CONSUMER PRODUCTS AND SERVICES AND PRODUCTS CONSUMER Our Pledge will have access to an You extended network of ATMs and banking locations. will have access to new You and services to help products you achieve your financial goals. the same prompt, will receive You courteous customer service you have come to expect. CONSUMERS and ServicesConsumer Products outlined in the BLUE Consumerare and Services section. Products BUSINESSES and Services Business Products outlined in the RED Business are and Services section. Products

INTRODUCTION First National Bank (FNB) has been helping customers achieve their (FNB) has been helping customers First National Bank our new partnership with excited about We are 1864. financial goals since it gives us the opportunity to Bank and NewBridge Bank because Yadkin services and products with customers like you. With build new relationships to customized we serve, you can look forward as unique as the people goals. a fit for your individual needs and that are financial solutions is designed to help you discover what First National Bank Guide This Welcome actions required. in addition to important dates and has to offer to on our Personal Bankers to help you develop a plan can rely You achieve your financial goals. guidance, support professional With the bank, you can be certain that your community of a large and resources for you. personal plan will continue to work and service product understand that even with the best written We be helpful. person can a real explanations, sometimes talking with Please to contact our Customer Service Center at 800-555-5455,feel free 8:00 AM – 9:00 PM Monday through Friday, 8:00 AM – 5:00 PM on Friday, 8:00 AM – 9:00 PM Monday through or email us at and 9:00 AM - 5:00 PM on Sunday, Saturday [email protected] assistance. We’ll also be about the transition to updating our website with information First National Bank. Please visit www.fnb-online.com/welcome. WELCOME TO FIRST NATIONAL BANK NATIONAL TO FIRST WELCOME 2 ACCESSING YOUR ACCOUNTS ACCESSING YOUR ACCOUNTS

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The following Quick Reference Guide contains important instructions and date references that will help ensure a IMPORTANT DATES AND TIMES seamless transition of your accounts and services to First National Bank.

FNB Service What You Should Know Important Dates Action Needed PRODUCTS AND SERVICES ACH Transfers and Direct deposits and automatic transfers to and from your accounts will continue without interruption. No action needed. Direct Deposits/ Debits Availability of For full details on the First National Bank funds availability policy, check/items processing and Please refer to the enclosed Important Account Deposits overdraft practices that apply to your accounts, please refer to the enclosed Important Account Information disclosure. Information disclosure.

PRODUCTS AND SERVICES Branch Banking In addition to banking at our network of more than 400 convenient offices and 550 ATMs, we also offer a variety See page 3 of this Welcome Guide for important dates. Visit a local office during the week beginning Monday, of other banking options to simplify your money management. March 13, 2017, for our Open House, and help us celebrate our commitment to you as a First National Bank customer. CDs The current rate and terms of your CD(s) will remain the same until the maturity date. Some account No action needed. numbers may change. If this change affects you, you will receive this information under separate cover. Checking Accounts Your checking account will transition to a First National Bank account listed in the chart on pages 8-9. Direct See the chart on pages 8-9 for details related to your If, after reviewing the features of your new account, you determine deposits and automatic transfers to and from your accounts will continue without interruption. Automatic transfers specific account. that it does not meet your needs, please contact your Banker or our

CONSUMER will be posted to the account nightly on the same business day that the transfer is scheduled, or on the next Customer Service Center at 800-555-5455. We will be happy to help business day if the transfer is scheduled on a weekend or holiday. Also refer to “Availability of Deposits” description you identify an account that better meets your needs. above regarding First National Bank’s check/item processing and overdraft practices. Checks You may continue to use your existing checks and deposit slips. Upon depletion of checks and deposit slips, please When you need to order new checks, you can order directly online, order new supplies. See “Action Needed” for reorder by phone or in person. If you order checks from a source other information. than First National Bank, please call our Customer Service Center at 800-555-5455 to obtain important bank-specific information prior to placing your order. Consumer and The terms of your loan or line of credit will remain unchanged and fees and late charges will be assessed in accordance Saturday, March 11, 2017: After this date, you can make Make loan payments from your First National Bank checking or Business Loans or with your existing contract unless you receive a separate notification of specific changes. If you have a line of credit, you payments at your local First National Bank office or savings account by following the prompts when you call 800- Lines of Credit will receive a monthly First National Bank statement which will provide the new payment address and other details of through Online or Mobile Banking. 555-5455, or mail your payments to P.O. Box 6122, Hermitage, PA your account. Payments made by automatic deduction from a deposit account will continue. 16148-0922. Credit Cards The terms and conditions outlined in your credit card agreement will remain the same unless you are notified of Credit card payments will no longer be accepted in branches. a change in a separate mailing. Automatic payment will continue without interruption unless you are notified of a Please mail your payments to the address included in your change in a separate mailing. monthly billing statement. Future Dated and External online transfers to other financial institutions via Online Banking will not transfer to First National Bank. Sunday, March 12, 2017: External online transfers may be Re-establish your external online transfers by logging on to Recurring Online Internal online transfers from one Yadkin or NewBridge Bank account to another Yadkin or NewBridge Bank set up through FNB Online Banking. FNB Online Banking and selecting the Transfers tab. Transfers account will transfer to First National Bank. Individual Your Yadkin or NewBridge Bank account will remain the same until maturity. At maturity it will convert to an Saturday, March 11, 2017: First National Bank will become You will receive notification of your new FNB IRA at least 30 days Retirement FNB account that most closely matches your current requirements, features and benefits. IRA statements will be the new custodian of your IRA Plan. prior to maturity. Accounts mailed annually in January. Some account numbers may change. If this change affects you, you will receive (Consumer Only) this information under separate cover. Mortgage Loans The terms and conditions outlined in your mortgage loan documents will remain the same unless you are notified Saturday, March 11, 2017: Beginning this date, questions Please make note of the mailing address for mortgage payments: P.O. of a change in a separate mailing. Automatic payments will continue without interruption unless also notified in a about your mortgage loan can be directed to our Box 6122, Hermitage, PA 16148. Overnight delivery payments should separate mailing. Customer Service Center at 800-555-5455 or by writing us be mailed to 4140 East State Street, Hermitage, PA 16148-3487. at 4140 East State Street, Hermitage, PA 16148-3487. Online and Mobile If you currently use online or mobile banking with Yadkin Bank or NewBridge Bank, you will need to complete Yadkin Bank Customers: Thursday, March 9, 2017: Yadkin Bank Please print your Yadkin Bank or NewBridge Bank transaction history and Banking the setup process at www.fnb-online.com on or after the dates listed at right to complete the process of services will no longer be available; begin using FNB’s Online & print/save your Online Statements prior to Thursday, March 9, 2017, as this establishing your access to FNB’s Online and Mobile Banking services. Once you complete the setup process you Mobile Banking services Sunday, March 12, 2017. information will not be moved over to FNB. On or after Sunday, March will have access to all of your accounts on which you are an owner or signer. The setup process is the same whether NewBridge Bank Customers: Friday, March 10, 2017: NewBridge 12, 2017, visit www.fnb-online.com to complete the process of setting up you use Online Banking or Mobile Banking. An Online Banking User ID and Password is required for access to Bank services will no longer be available; begin using FNB’s Online your FNB Online/Mobile Banking access. You can access FNB’s Mobile Mobile Banking. & Mobile Banking services Sunday, March 12, 2017. Banking services by downloading the “FNB Direct” app from the App Store or Google Play. To log into Mobile Banking, simply use your new Online Banking User ID and Password. Visit the “Alerts & Mobile” tab in Online Banking for more information. ACCESSING YOUR ACCOUNTS ACCESSING YOUR ACCOUNTS

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IMPORTANT DATES AND TIMES CONTINUED FROM PAGE 5

FNB Service What You Should Know Important Dates Action Needed PRODUCTS AND SERVICES ATM Card or Visa® If you currently have a Yadkin or NewBridge debit card, you will receive a new First National Bank debit card Shortly before the transition to First National Bank, you will During the transition to First National Bank (beginning the Debit Card to access your account(s) after they have transitioned to First National Bank. You will be able to use your debit receive a new First National Bank debit card. Activate your new evening of Thursday, March 9 until Monday, March 13), card at any First National Bank ATM without a fee for cash withdrawals, transfers, account inquiries and deposits debit card by calling the telephone number located on the balance inquiries and ATM transfers may not be available. wherever accepted. card activation sticker or by performing any ATM or purchase transaction that requires you to enter your PIN. Online Bill Payment If you currently make payments using Yadkin Bank’s or NewBridge Bank’s online bill payment service, you will Sunday, March 12, 2017: All scheduled bill payments and payee We recommend that you print your Yadkin Bank or NewBridge

PRODUCTS AND SERVICES be automatically enrolled in First National Bank’s Online Bill Payment service. Once you complete the first-time information will be transferred automatically to FNB’s Online Bank payment history, payee list and currently scheduled payments setup process in Online Banking, there may be a slight delay before you can see these transactions in Online Bill Payment service. prior to Thursday, March 9, 2017, to verify that all information has Banking. You can access bill payment from either Online or Mobile Banking. been appropriately transferred to FNB. Overdraft Services Overdraft Services is a feature that is provided with qualified FNB checking accounts where you enable FNB to Monday, March 13, 2017: After this date, Overdraft Services will There is nothing you need to do to benefit from Overdraft approve and pay checks and ACH transactions that overdraw your account. As an added valuable service, Overdraft be provided on your FNB checking account. Services for checks and ACH transactions. Consumer Services also covers ATM and everyday debit card transactions; however, we will need your permission to provide accounts only: For more details about all overdraft it. Also, refer to “Availability of Deposits” section on pages four and five regarding First National Bank’s standard protection plans, refer to the letter in the envelope provided

CONSUMER check/item processing and overdraft practices. in this guide. Mail back the consent form in the postage- paid envelope to authorize FNB to pay overdrafts on your ATM and everyday debit card transactions. Privacy Your Yadkin or NewBridge privacy policy preferences will be transferred. Monday, March 13, 2017: After this date you can provide your Refer to the enclosed Privacy Policy in the Important privacy policy preferences to FNB by contacting us (refer to Account Information booklet for details about limiting the enclosed Important Account Information booklet). information sharing. Safe Deposit Box Your safe deposit box will be transferred to First National Bank and will be subject to First National Bank’s terms Saturday, March 11, 2017, and Sunday, March 12, 2017: You Continue using your keys to access your safe deposit box at Service and conditions. Some account numbers may change. If this change affects you, you will receive this will not have access to your safe deposit box at Yadkin or its current location. information under separate cover. NewBridge Bank. Monday, March 13, 2017: Safe deposit boxes will be available for access at First National Bank. Savings Accounts Interest on savings accounts, with the exception of IRA Savings, is credited quarterly. For most accounts, interest will See the chart on pages 10-11 for details related to your If, after reviewing the features of your new account, you be credited on your statement date. specific account. determine that it does not meet your needs, please contact your Banker or our Customer Service Center at 800-555-5455. We will be happy to help you identify an account that better meets your needs. Statements Yadkin customers: Your first statement after Thursday, March 9, 2017, will reflect the title of your First National Yadkin customers: Your final statement will show a record of If you don’t currently take advantage of combined Bank account. transactions through Thursday, March 9, 2017. statements, one convenient statement can reflect the details NewBridge customers: Your first statement after Friday, March 10, 2017, will reflect the title of your First National NewBridge customers: Your final statement will show a record of your full financial relationship with any checking account. Bank account. of transactions through Friday, March 10, 2017. Available with both paper statements or eStatements. Telephone Banking First National Bank’s free automated Telephone Banking service provides convenient 24/7 access to check your Sunday, March, 12, 2017: Automated Telephone Banking After you access Telephone Banking for the first time, please balances, transfer funds, make FNB loan payments and more. When you first access FNB’s automated Telephone from FNB will be available by calling 800-555-5455. change your PIN by selecting the option to change your telephone Banking service, you will be asked for your account number and your Personal Identification Number (PIN). To Account history prior to Thursday, March 9, 2017, will not be banking personal identification number. get started, we have set your PIN to the last four digits of your Social Security or Tax ID (EIN) number. transferred to FNB. Treasury Your treasury management accounts will remain the same unless you are notified of a change in a No action needed. Management separate mailing. Accounts Wire Transfers First National Bank’s wire transfer cut-off time is 4:00 PM ET, Monday through Friday, for all outgoing wires, For incoming wire transfers after close of business on Friday, After close of business on Friday, March 10, 2017, notify including foreign wires. March 10, 2017, please notify the senders of First National senders of First National Bank’s routing and transit number, Bank’s routing and transit number, which is 043318092. which is 043318092. YOUR NEW CHECKING ACCOUNT YOUR NEW CHECKING ACCOUNT

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Use the chart below to locate the First National Bank checking account which is most comparable to your existing MANAGING YOUR MONEY STARTS account and to review the features of your new account. To ensure a seamless transition, your account will be WITH THE RIGHT CHECKING ACCOUNT transferred automatically to the most comparable option noted here.

Your new FNB checking account should be very similar to your current account. However, if you find an account that PRODUCTS AND SERVICES better fits your needs, you can select an alternate account any time after Monday, March 13, 2017. Simply visit a First National Bank office or call our Customer Service Center at 800-555-5455.

Your Current Yadkin Your New FNB Online Banking Check or NewBridge Bank First National Bank Balance Required to Avoid Monthly Account Interest ATM/ Bill Payment and Printing Checking Account* Checking Account** Overview Monthly Service Charge Service Charge Paid Monthly Statement Debit Card Mobile Banking Cost Additional Benefits • Community Checking Freestyle Checking Freestyle Checking offers everything you need in a non-interest • Free Checking bearing checking account to manage all of your checking needs, • Free eStatement • Unlimited check writing PRODUCTS AND SERVICES including unlimited check-writing and deposits each month, There is no monthly There is no monthly • Paper statement $3.95 Cost varies • No minimum balance required No Yes Yes convenient debit card access, online banking and bill pay, mobile service charge service charge • Paper statement with with style banking and telephone banking – all with no minimum balance check images $6.95 and no monthly service charge. • Advantage Interest Lifestyle Checking Lifestyle Checking pays interest on balances over $2,500, offers • Unlimited check writing • Interest everything you need in a checking account to manage all of your $1,000 average daily balance Free first • Total deposit relationship in checking needs and includes benefits like free first order of 100 or $10,000 combined average order of $10.00 or $9.00 Yes, $2,500 Free paper statement additional checking, savings, checks, a free small safe deposit box or a $30.00 discount on daily balance in other Yes Yes 100 with an eStatement and above with check images Money Market Account, IRA larger boxes, and paper statements at no cost. checking, savings, CDs, Money duplicate and CD can offset fee Market Accounts or IRAs checks CONSUMER • Free small safe deposit box or $30 credit toward larger box • Complete Premierstyle Checking Premierstyle Checking pays interest on balances over $1,000 and • Unlimited check writing • Relationship rewards you for doing more of your banking with us. With exclusive • No charge to use a non-FNB ATM • Signature benefits and priority services like free custom checks, up to $15.00 in (Up to $15.00 ATM surcharge • FastForward Checking ATM surcharges refunded each statement cycle for ATM transactions refund per statement cycle) • FastForward Brunswick at non-FNB ATMs, free small safe deposit box or $30.00 discount on • Free small safe deposit box or • FastForward Wake larger boxes and more, you’ll get convenient solutions for managing $7,500 daily balance or $25,000 combined average Free FNB $30 credit toward larger box • FastForward Charleston your everyday finances so you can enjoy your life in style. Yes, $1,000 Free paper statement daily balance in other $25.00 Yes Yes custom • Free OD transfer from another and above or free eStatement checking, savings, CDs, Money checks deposit product or line of credit Market Accounts or IRAs • Two free wire transfers per statement cycle • Waive $150 of mortgage closing costs • Free financial analysis • Advantage Mystyle Checking With Mystyle Checking you can avoid a monthly fee by choosing • Unlimited check writing $500 daily balance or • Personal the option that works best for you. Maintain a minimum balance, • Free paper statement • Free standard 3x5 safe box or a $5,000 combined average $8.95 or Free first • Zero-G use Direct Deposit to eliminate hurried payday trips to the or free eStatement $30.00 credit towards a larger box daily balance in other $6.95 with an No Yes Yes order of 50 • BalanceGuard Checking bank and to gain immediate access to your money or maximize • Direct deposit or 10 debit checking, savings, CDs, Money eStatement • Paper statement with checks • ETA (Electronic Transfer) convenience with secure, cash-free debit card transactions. purchases can help you avoid Market Accounts or IRAs images $3.00 your monthly service charge • eStudent Student Checking FNB-U Student Checking delivers into your hands the essentials • Unlimited check writing of money management. Convenient 24/7 account interaction, • Easy account access with mobile banking, simplified bill pay and more, all bundled in one Mobile Banking student-focused solution. Includes: Student Checking, Mobile • Free eStatement There is no monthly There is no monthly • Paper statement $3.95 Cost varies • 24/7 debit card purchases Banking with Mobile Deposit, Popmoney, FNB Online Banking, No Yes Yes and ATM access Bill Pay, Savers Goal CD and Smart Option Student Loan. service charge service charge • Paper statement with with style images $6.95 • Smart Option student loan available • Two non-FNB ATM fees refunded per statement cycle • Advantage Bank @ Work WorkPlace First WorkPlace First Checking offers 24/7 banking with exclusive online, • Unlimited check writing and • Bridgeworks Banking Checking eStatement and ATM benefits free of limitations. This account can electronic banking activity deliver everything to customers electronically, plus access to money • 24 hour telephone banking ® • Free eStatement • Overdraft Services available through any VISA /PLUS ATM in the world and virtual management of Make a deposit to your account Free FNB • Paper statement $3.95 • Overdraft Protection, Overdraft accounts with Online and Mobile Banking. In addition to full checking each month to avoid the monthly $5.00 No Yes Yes custom • Paper statement with line of credit fees waived benefits, WorkPlace First Checking provides additional banking benefits service charge checks images $6.95 as part of the program. • Mortgage closing cost discounts up to $500 • Installment loan discount with auto deduct

* If you currently have a Prestige Gold or an Employee Checking account, you will receive a separate mailing regarding Checking and savings accounts are considered dormant after 24 months of no customer initiated activity and will be assessed a dormant fee. Last activity your new account type. dates are transferred from Yadkin Bank and Newbridge Bank. Please refer to the Important Account Information disclosures for the current fee schedule. ** Refer to “Availability of Deposits” description on pages four and five which describes First National Bank’s standard check/item processing and overdraft practices which apply to these accounts. YOUR NEW SAVINGS ACCOUNT YOUR NEW SAVINGS ACCOUNT

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DESIGNED WITH YOUR SHORT-TERM AND LONG-TERM GOALS IN MIND ? DID YOU KNOW

Use the chart below to determine the First National Bank savings account which is most comparable to your existing PRODUCTS AND SERVICES account and to review the features of your new account. To ensure a seamless transition, your account will be transferred You can easily transfer funds automatically to the most comparable option noted here. electronically between all your FNB accounts, even with other Your new FNB savings account should be very similar to your current account. However, if you find an account that better fits your needs, you can select an alternate account any time afterMonday, March 13, 2017. Simply visit a First financial institutions. National Bank office or call our Customer Service Center at 800-555-5455. Ask us how! PRODUCTS AND SERVICES

Your Current Yadkin Your New or NewBridge Bank First National Bank Balance Required to Avoid Monthly Account ATM/ Savings Account Savings Account* Overview Monthly Service Charge Service Charge Interest Paid Transaction Limitations Debit Card Additional Benefits • Advantage Saving FirstRate Savings With FirstRate Savings, your interest rate increases automatically Tiered variable • FNB Online Banking CONSUMER • Savings as your balance increases. You have access to an account with a rate calculated • Advantage Youth low minimum balance that helps you avoid account fees. Save for a daily on the 6 automatic or electronic transactions • Mobile Banking Savings vacation, college or just a rainy day with FirstRate Savings and get $500 Average Daily Balance $5.00 collected balance, (ACH or Point of Sale transactions Yes • FDIC insured • Youth Savings account flexibility and earn interest. compounded and w/PIN using an ATM card) per month • Tiered rate means you earn more credited to the on higher balances account quarterly • Personal High Yield MM FirstRate Money Market A FirstRate Money Market Account helps you earn money with Tiered variable • Premier Personal MMA interest rates that increase automatically as your balance increases. rate calculated • FNB Online Banking • Personal MMA You'll have immediate access to withdraw funds, deposit funds or daily on the 6 automatic or electronic transactions • Mobile Banking • Relationship Personal transfer funds between accounts at any First National Bank office, $5,000 Average Daily Balance $10.00 collected balance, (ACH or Point of Sale transactions Yes • FDIC insured MMA online or by ATM. You can also write a limited number of checks compounded and w/PIN using an ATM card) per month • Tiered rate means you earn more • Money Market each month on this account. credited to the on higher balances account monthly • Health Savings Health Savings Account A Health Savings Account (HSA) is a great way to save money on Individual Account healthcare costs for you and your family. Check with your employer No monthly service charge. Tiered variable rate • FNB Online Banking • Health Savings to see if you have an HSA-compatible health plan. Because the Initial setup fee and calculated daily on • Mobile Banking Family Account money you contribute to your HSA may be tax-deductible, you annual fee apply. $20 annual fee the collected balance, IRS regulations apply Yes • HSA Checking can maximize your healthcare purchasing power each time you use Paper statement $3.95 applies compounded and • FDIC insured (Individual Plan) your HSA to pay for qualified medical expenses from doctor's fees Paper statement with images credited to the • Tiered rate means you earn more • HSA Checking and dental work to prescription medications. $6.95 account monthly on higher balances (Family Plan) • Variable IRA Money IRA Savings An IRA Savings Account is an easy way to begin a retirement savings. Interest is calculated Market This no-minimum-balance account allows you to accumulate your IRA daily on the • Money Market IRA funds until the balance is large enough to be placed, penalty-free, into a collected balance, • FDIC insured $0 $0 IRS regulations apply No Certificate of Deposit. compounded and • Annual statement credited to the account monthly

Other Products Balance Required to Avoid Monthly Account ATM/ Also Available Overview Monthly Service Charge Service Charge Interest Paid Transaction Limitations Debit Card Additional Benefits Certificates of Deposit Regular Certificates of Deposit help you count on a fixed, Fixed for term. (CDs) competitive rate of interest from as little as 3 months to as long N/A Interest is as 120 months. We also offer certificates of deposit specifically • FDIC insured $500 minimum opening deposit Early withdrawal compounded and N/A No designed to help you meet your investment goals. FNB also penalty may apply credited on a offers IRAs from 3 months to 60 month terms. All regular and IRA quarterly basis certificates are FDIC insured (standard FDIC limits apply).

* Refer to “Availability of Deposits” description on pages four and five which describes First National Bank’s standard Checking and savings accounts are considered dormant after 24 months of no customer initiated activity and will be assessed a dormant fee. Last activity check/item processing and overdraft practices which apply to these accounts. dates are transferred from Yadkin Bank and Newbridge Bank. Please refer to the Important Account Information disclosures for the current fee schedule. DEBIT AND CREDIT CARDS CONVENIENCE BANKING

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THE CONVENIENCE BANKING OPTIONS AND ACCOUNT OF CHOICE ACCESS THAT MAKE YOUR LIFE EASIER

First National Bank offers a variety of debit, credit PRODUCTS AND SERVICES and gift cards to fit your needs and lifestyle. Mobile Banking with Mobile Deposit • Deposit a check • Get alerts • Transfer funds • Monitor account activity • Check balances instantly • Locate a branch or ATM • First National Bank Personal Visa® Debit Card • Pay bills • Send money with Popmoney • Set debit card controls/ Enjoy 24/7 access to your funds at thousands of limits with CardGuardSM ATMs nationwide, along with purchasing power anywhere Visa® is accepted. Plus enjoy the added Online Banking

PRODUCTS AND SERVICES security and peace of mind provided by new chip • Transfer funds • Track expenses • Check balances card technology and CardGuardSM mobile debit • Locate a branch or ATM • Access Budget Center • Pay bills • eStatements card controls. • First National Bank Credit Card with Bill Pay ScoreCard® Rewards • Receive electronic bills • Send money with Popmoney Earn points with ScoreCard Rewards, redeemable • Schedule payments • Transfer funds to accounts outside FNB

CONSUMER for travel, merchandise and more.

• Visa® Gift Card Credit Card

Available in any denomination. Use anywhere CREDIT CARD • Make a purchase • Enjoy competitive rates Visa® is accepted. • Get cash from ATM • Earn travel and merchandise rewards

Innovative Payment Options

• Apple PayTM ATMs and Debit Cards Use Apple Pay with an FNB Debit Card and • Get cash • Deposit checks • Set debit card controls • Transfer funds • Check balances with CardGuardSM a supported Apple device to make secure • Make purchases with ApplePayTM • Access your accounts • Use your debit card purchases with the touch of a finger. anywhere Visa is accepted • Popmoney® Use Online or Mobile Banking to pay just about Telephone anyone. Split the tab with friends for lunch or send • Make a loan payment • Check balances • Transfer funds money to the kids off at school conveniently and • Access your account 24/7 securely with Popmoney. Call 800-555-5455, or you can talk to a Customer Service Representative from 8:00 AM - 9:00 PM Monday-Friday, 8:00 AM - 5:00 PM on Saturday, and 9:00 AM - 5:00 PM on Sunday. Have your account information handy for verification.

FNB Website • Open an account • Learn about products • Find the right deposit • Locate a branch or ATM and services product for you with our • Sign up for Online Banking ‘Help Me Decide’ tool

In Person • Deposit a check • Open an account • Make a loan payment • Transfer funds • Get cash • Check balances

Visit www.fnb-online.com for information on our full line of consumer and commercial banking, wealth management and insurance products and services. MORTGAGES AND LOANS WEALTH MANAGEMENT AND INSURANCE

14 15 CONSUMER

MORTGAGES AND LOANS INVESTING IN YOUR FUTURE TAILORED TO FIT YOUR NEEDS First National Bank offers so much more than traditional banking. By incorporating the services of our Wealth Management Group, we work closely with our clients to develop a Purchasing a home is one of the most important decisions concrete plan to manage the creation of wealth, its preservation and distribution. PRODUCTS AND SERVICES you’ll ever make, and your banking needs are as unique as your vision for a dream home. First National Bank has Wealth Enhancement and Growth a variety of mortgage and personal loan options to make Investment Management Mutual Funds that vision a reality. Brokerage Services* 529 Plans* Variable and Fixed Annuities*

Mortgage Loans

PRODUCTS AND SERVICES Wealth Protection and Preservation • Fixed Rate Mortgage Loans with terms of Cash Flow Analysis Retirement Analysis Estate Planning 10, 15, 20, 25 and 30 years Net Worth Determination Risk Management Asset Allocation • Adjustable Rate Mortgages Education Planning • Construction to Permanent Mortgage Loans for New Construction and Renovations Lifetime Wealth Distribution • Jumbo Fixed and Adjustable Rate Mortgages CONSUMER • Specialty Purchase Programs IRA/401(k) Rollover and 401(k) • FHA and VA Mortgage Loans Variable and Fixed Annuities* Beneficiary Designation Strategies • Residential Lot Loans Distribution Calculations

Home Equity Loans and Lines of Credit Estate and Wealth Distribution • A Home Equity Loan is a fixed-rate term loan secured Wealth Transfer Special Needs Trusts Living Trusts DID YOU KNOW by the equity in your home with the security of a fixed ? Estate Settlements Charitable Trust Services Fiduciary Services repayment plan. Testamentary Trusts Custody Services • A Home Equity Line of Credit provides an open-ended You can take advantage of our * Not FDIC insured. No bank guarantee. May lose value. Not insured by any Federal Government Agency. Not a bank deposit. line of credit secured by the equity in your home, so you LockOption to lock in a fixed can spend only what you need to get the job done. rate for all or part of your home equity line of credit. PROTECTING WHAT MATTERS Personal Loans Our insurance group, First National Insurance Agency, provides individually tailored, • Automobile or Recreational Vehicle Loans comprehensive insurance policies to protect home, auto, life and other personal assets. • Home Improvement Loans • Manufactured Housing Loans Products and Services Include:* • Personal Unsecured Loans Individual Medical Insurance Renter’s Insurance • Watercraft Loans • Loans secured by other personal assets Individual Life & Disability Seasonal/Secondary Dwellings Insurance Individual Medicare Products Valuable Articles Coverage Personal Lines of Credit Critical Illness & Accident Personal Auto Insurance Long-Term Care Insurance Motorcycle Insurance Homeowner’s Insurance Watercraft Insurance Condominium Owner’s Insurance Personal Umbrella Liability

*Insurance products are sold by First National Insurance Agency, LLC and its licensed agents. Insurance products are not insured by the FDIC or any other federal government agency, not a deposit of, or guaranteed by FNB or its affiliates. Subject to investment risks, including loss of principal amount invested.

NMLS# 855-665-7123 PRIVATE BANKING TABLE OF CONTENTS

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EXPERIENCE AN EXCLUSIVE DIFFERENCE BUSINESS PRODUCTS & SERVICES IN BANKING

The Private Banking Difference A Private Banker from First National Bank can serve as your single point of contact for all of your banking needs. You benefit from expertise and specialized products and services tailored to sophisticated client needs. Accessing Your Accounts 18 • Private Banking Select Checking PRODUCTS AND SERVICES Business Checking Accounts 22 • Private Banking Select Money Market Business Savings Accounts 24 • Special Mortgages Business Banking 26 • Loans and Lines of Credit • Wealth Strategies and Asset Protection Convenience Banking 27 Important Dates:

CONSUMER Investments and Wealth Management 28 Saturday, March 11, and DID YOU KNOW ? Insurance Products and Services 29 Sunday, March 12, 2017 All Yadkin and NewBridge locations will be Your dedicated Private Banker Workplace, Personal and Private Banking 30 serves as a single point of closed to prepare for the transition. contact, connecting you to a First National Bank Difference 31 wealth of checking, savings, Monday, March 13, 2017 loans and mortgage products. All former Yadkin and NewBridge locations will open for business as First National Bank. You gain access to the full range of products BUSINESS and services offered by First National Bank.

Visit a local office during the week for our Open House, and celebrate our commitment PRODUCTS AND SERVICES to serving you as a First National Bank customer. ACCESSING YOUR ACCOUNTS ACCESSING YOUR ACCOUNTS

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The following Quick Reference Guide contains important instructions and date references that will help ensure a IMPORTANT DATES AND TIMES seamless transition of your accounts and services to First National Bank.

FNB Service What You Should Know Important Dates Action Needed ACH Transfers and Direct deposits and automatic transfers to and from your accounts will continue without interruption. No action needed. Direct Deposits/ Debits Availability of For full details on the First National Bank funds availability policy, check/items processing and Please refer to the enclosed Important Account Deposits overdraft practices that apply to your accounts, please refer to the enclosed Important Account Information disclosure. Information disclosure. Branch Banking In addition to banking at our network of more than 400 convenient offices and 550 ATMs, we also offer a variety See page 17 of this Welcome Guide for important dates. Visit a local office during the week beginning Monday, of other banking options to simplify your money management. March 13, 2017, for our Open House, and help us celebrate our commitment to you as a First National Bank customer. CDs The current rate and terms of your CD(s) will remain the same until the maturity date. Some account No action needed. numbers may change. If this change affects you, you will receive this information under separate cover. Checking Accounts Your checking account will transition to a First National Bank account listed in the chart on pages 22-23. Direct See the chart on pages 22-23 for details related to your If, after reviewing the features of your new account, you determine deposits and automatic transfers to and from your accounts will continue without interruption. Automatic transfers specific account. that it does not meet your needs, please contact your Banker or our will be posted to the account nightly on the same business day that the transfer is scheduled, or on the next Customer Service Center at 800-555-5455. We will be happy to help business day if the transfer is scheduled on a weekend or holiday. Also refer to “Availability of Deposits” description you identify an account that better meets your needs. above regarding First National Bank’s check/item processing and overdraft practices. Checks You may continue to use your existing checks and deposit slips. Upon depletion of checks and deposit slips, please When you need to order new checks, you can order directly online, order new supplies. See “Action Needed” for reorder by phone or in person. If you order checks from a source other information. than First National Bank, please call our Customer Service Center at 800-555-5455 to obtain important bank-specific information prior to placing your order. Consumer and The terms of your loan or line of credit will remain unchanged and fees and late charges will be assessed in accordance Saturday, March 11, 2017: After this date, you can make Make loan payments from your First National Bank checking or Business Loans or with your existing contract unless you receive a separate notification of specific changes. If you have a line of credit, you payments at your local First National Bank office or savings account by following the prompts when you call 800- BUSINESS Lines of Credit will receive a monthly First National Bank statement which will provide the new payment address and other details of through Online or Mobile Banking. 555-5455, or mail your payments to P.O. Box 6122, Hermitage, PA your account. Payments made by automatic deduction from a deposit account will continue. 16148-0922.

Credit Cards Your existing credit card will not be transferred to First National Bank. You may continue to use this card. If you are interested in applying for a First National Bank Visa® Credit card payments will no longer be accepted in branches. Rewards credit card, visit www.fnb-online.com/creditcard to apply online. Future Dated and External online transfers to other financial institutions via Online Banking will not transfer to First National Bank. Sunday, March 12, 2017: External online transfers may be Re-establish your external online transfers by logging on to PRODUCTS AND SERVICES Recurring Online Internal online transfers from one Yadkin or NewBridge Bank account to another Yadkin or NewBridge Bank set up through FNB Online Banking. FNB Online Banking and selecting the Transfers tab. Transfers account will transfer to First National Bank. Individual Your Yadkin or NewBridge Bank account will remain the same until maturity. At maturity it will convert to an Saturday, March 11, 2017: First National Bank will become You will receive notification of your new FNB IRA at least 30 days Retirement FNB account that most closely matches your current requirements, features and benefits. IRA statements will be the new custodian of your IRA Plan. prior to maturity. Accounts mailed annually in January. Some account numbers may change. If this change affects you, you will receive (Consumer Only) this information under separate cover. Mortgage Loans The terms and conditions outlined in your mortgage loan documents will remain the same unless you are notified Saturday, March 11, 2017: Beginning this date, questions Please make note of the mailing address for mortgage payments: P.O. of a change in a separate mailing. Automatic payments will continue without interruption unless also notified in a about your mortgage loan can be directed to our Box 6122, Hermitage, PA 16148. Overnight delivery payments should

PRODUCTS AND SERVICES separate mailing. Customer Service Center at 800-555-5455 or by writing us be mailed to 4140 East State Street, Hermitage, PA 16148-3487. at 4140 East State Street, Hermitage, PA 16148-3487. Online and Mobile If you currently use online or mobile banking with Yadkin Bank or NewBridge Bank, you will need to complete Yadkin Bank Customers: Thursday, March 9, 2017: Yadkin Bank Please print your Yadkin Bank or NewBridge Bank transaction history and Banking the setup process at www.fnb-online.com on or after the dates listed at right to complete the process of services will no longer be available; begin using FNB’s Online & print/save your Online Statements prior to Thursday, March 9, 2017, as this establishing your access to FNB’s Online and Mobile Banking services. Once you complete the setup process you Mobile Banking services Sunday, March 12, 2017. information will not be moved over to FNB. On or after Sunday, March will have access to all of your accounts on which you are an owner or signer. The setup process is the same whether NewBridge Bank Customers: Friday, March 10, 2017: NewBridge 12, 2017, visit www.fnb-online.com to complete the process of setting up

BUSINESS you use Online Banking or Mobile Banking. An Online Banking User ID and Password is required for access to Bank services will no longer be available; begin using FNB’s Online your FNB Online/Mobile Banking access. You can access FNB’s Mobile Mobile Banking. & Mobile Banking services Sunday, March 12, 2017. Banking services by downloading the “FNB Direct” app from the App Store or Google Play. To log into Mobile Banking, simply use your new Online Banking User ID and Password. Visit the “Alerts & Mobile” tab in Online Banking for more information. ACCESSING YOUR ACCOUNTS ACCESSING YOUR ACCOUNTS

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IMPORTANT DATES AND TIMES CONTINUED FROM PAGE 19

FNB Service What You Should Know Important Dates Action Needed ATM Card or Visa® If you currently have a Yadkin or NewBridge debit card, you will receive a new First National Bank debit card Shortly before the transition to First National Bank, you will During the transition to First National Bank (beginning the Debit Card to access your account(s) after they have transitioned to First National Bank. You will be able to use your debit receive a new First National Bank debit card. Activate your new evening of Thursday, March 9 until Monday, March 13), card at any First National Bank ATM without a fee for cash withdrawals, transfers, account inquiries and deposits debit card by calling the telephone number located on the balance inquiries and ATM transfers may not be available. wherever accepted. card activation sticker or by performing any ATM or purchase transaction that requires you to enter your PIN. Online Bill Payment If you currently make payments using Yadkin Bank’s or NewBridge Bank’s online bill payment service, you will Sunday, March 12, 2017: All scheduled bill payments and payee We recommend that you print your Yadkin Bank or NewBridge be automatically enrolled in First National Bank’s Online Bill Payment service. Once you complete the first-time information will be transferred automatically to FNB’s Online Bank payment history, payee list and currently scheduled payments setup process in Online Banking, there may be a slight delay before you can see these transactions in Online Bill Payment service. prior to Thursday, March 9, 2017, to verify that all information has Banking. You can access bill payment from either Online or Mobile Banking. been appropriately transferred to FNB. Overdraft Services Overdraft Services is a feature that is provided with qualified FNB checking accounts where you enable FNB to Monday, March 13, 2017: After this date, Overdraft Services will There is nothing you need to do to benefit from Overdraft approve and pay checks and ACH transactions that overdraw your account provided such payments are made be provided on your FNB checking account. Services for checks and ACH transactions. Consumer in accordance with predetermined account parameters. As an added valuable service, Overdraft Services also accounts only: For more details about all overdraft covers ATM and everyday debit card transactions; however, we will need your permission to provide it. Also, refer protection plans, refer to the letter in the envelope provided to “Availability of Deposits” section on pages four and five regarding First National Banks standard check/item in this guide. Mail back the consent form in the postage- processing and overdraft practices. paid envelope to authorize FNB to pay overdrafts on your ATM and everyday debit card transactions. Privacy Your Yadkin or NewBridge privacy policy preferences will be transferred. Monday, March 13, 2017: After this date you can provide your Refer to the enclosed Privacy Policy in the Important privacy policy preferences to FNB by contacting us (refer to Account Information booklet for details about limiting the enclosed Important Account Information booklet). information sharing. Safe Deposit Box Your safe deposit box will be transferred to First National Bank and will be subject to First National Bank’s terms Saturday, March 11, 2017, and Sunday, March 12, 2017: You Continue using your keys to access your safe deposit box at Service and conditions. Some account numbers may change. If this change affects you, you will receive this will not have access to your safe deposit box at Yadkin or its current location. information under separate cover. NewBridge Bank. Monday, March 13, 2017: Safe deposit boxes will be available for access at First National Bank. BUSINESS Savings Accounts Interest on savings accounts, with the exception of IRA Savings, is credited quarterly. For most accounts, interest will See the chart on pages 24-25 for details related to your If, after reviewing the features of your new account, you be credited on your statement date. specific account. determine that it does not meet your needs, please contact your Banker or our Customer Service Center at 800-555-5455. We will be happy to help you identify an account that better meets your needs. Statements Yadkin customers: Your first statement after Thursday, March 9, 2017, will reflect the title of your First National Yadkin customers: Your final statement will show a record of If you don’t currently take advantage of combined Bank account. transactions through Thursday, March 9, 2017. statements, one convenient statement can reflect the details PRODUCTS AND SERVICES NewBridge customers: Your first statement after Friday, March 10, 2017, will reflect the title of your First National NewBridge customers: Your final statement will show a record of your full financial relationship with any checking account. Bank account. of transactions through Friday, March 10, 2017. Available with both paper statements or eStatements. Telephone Banking First National Bank’s free automated Telephone Banking service provides convenient 24/7 access to check your Sunday, March, 12, 2017: Automated Telephone Banking After you access Telephone Banking for the first time, please balances, transfer funds, make FNB loan payments and more. When you first access FNB’s automated Telephone from FNB will be available by calling 800-555-5455. change your PIN by selecting the option to change your telephone Banking service, you will be asked for your account number and your Personal Identification Number (PIN). To Account history prior to Thursday, March 9, 2017, will not be banking personal identification number. get started, we have set your PIN to the last four digits of your Social Security or Tax ID (EIN) number. transferred to FNB. Treasury Your treasury management accounts will remain the same unless you are notified of a change in a No action needed.

PRODUCTS AND SERVICES Management separate mailing. Accounts Wire Transfers First National Bank’s wire transfer cut-off time is 4:00 PM ET, Monday through Friday, for all outgoing wires, For incoming wire transfers after close of business on Friday, After close of business on Friday, March 10, 2017, notify including foreign wires. March 10, 2017, please notify the senders of First National senders of First National Bank’s routing and transit number, Bank’s routing and transit number, which is 043318092. which is 043318092. BUSINESS YOUR NEW BUSINESS CHECKING ACCOUNT YOUR NEW BUSINESS CHECKING ACCOUNT

22 23 To ensure a seamless transition, your account will be transfered automatically to the most comparable option noted here. However, if you find an account that better fits your needs, you can select an alternate account any time after THE RIGHT CHECKING ACCOUNT Monday, March 13, 2017. Simply visit a First National Bank office or call our Customer Service Center at 800-555-5455. Your Current Your New Balance Required Monthly Account Yadkin or NewBridge Bank First National Bank to Avoid Monthly Maintenance Fee/ Interest Monthly ATM/ Checking Account* Checking Account** Overview Maintenance Fee Activity Fee Paid Statement Debit Card FNB Online Banking Additional Benefits Your new FNB checking account should be very similar to your current account. However, if you find an • Echeck Acceptance (GIACT) Free Small Business Tailor-made for small businesses or organizations with relatively $0 • Non-profit Checking Checking low transaction volume, Free Small Business Checking saves you 150 accountfree monthly that items, better fits your needs, you can select an alternate account any timeA free afterbusiness Tuesday, account toFebruary meet the needs16, 2016.of Yes, with check • Business Community Checking money because you pay no monthly maintenance account fees. N/A $0.32 per item fee is No Yes Available small businesses and organizations that have Simplyirst National Bank officesafekeeping or call our Customer Service Center at 800-555-5455. Conveniently access your money after hours through applicable on each item in relatively low account activity. FNB Online Banking. excess of 150 • Small Business Checking GF Compak Checking If you tend to keep a consistent level of funds in your business $25.00 $1,500 minimum daily • Essential Business Checking account and have a medium volume of transactions, this basic 400 free monthly items, Maintain a minimum balance or a larger average balance or Yes, with check • Interest Business Checking low-cost checking account is for you. A monthly maintenance $0.32 per item fee is No Yes Available balance in the account and the maintenance and $5,000 average daily safekeeping fee can be avoided by maintaining a minimum balance or larger applicable on each item activity fees are waived. balance average balance in the account. in excess of 400 • Commercial Analysis Business Analysis Get the information you need to keep up with the fast pace of your $25.00 Business Analysis Checking gives you an activity • Business Analysis Checking business. For larger businesses and organizations that have larger Deposited Items = $0.18 Yes, with check analysis and an earnings credit for the investment • Business Analysis - Easy Sweep transaction volume, Business Analysis Checking provides an activity N/A Deposit Ticket = $0.50 No Yes Available images balance you carry. The earnings credits are used • Business Analysis - R+T Demand analysis, as well as an earnings credit for the investable balance you carry. Paid Checks = $0.24 to offset any activity charges on your account. Deposit Marketplace Sweep The earnings credit will offset all monthly fees. Electronic Items = $0.18 • Public Funds Interest Checking Preferred Interest Available to political subdivisions and government entities, this • State and Muni Now Checking account pays a very competitive interest rate. Business managers Yes, with check • PIFMC can also eliminate costly wire transfers and benefit from a high N/A $0 Yes Yes Available Earn competitive interest rates tied to PLIGIT. safekeeping yield on available funds without manually tracking daily balances. Certain restrictions apply. • NC IOLTA AAS IOLTA IOLTAs (Interest on Lower Trust Accounts) fulfill the account • SC IOLTA AAS requirement for attorneys who receive client funds. There are no N/A $10.00 Maximum Yes Yes No Available • IOLTA Interest Checking minimum balance requirements.

• Non-Profit Interest Non-Profit Interest Qualified non-profit organizations can take advantage of a basic $5.00 Checking interest-bearing checking account that waives minimum balance $100 minimum daily 400 free monthly items, Yes, with check Variable rate paid on collected balance, requirements and maintenance fee. balance or provide $0.32 per item fee is Yes Yes Available safekeeping compounded and credited to the account monthly. tax-free EIN applicable on each item in excess of 400 • Public Funds Checking Non-Profit Checking Qualified non-profit organizations can take advantage of a basic $100 minimum daily Yes, with check checking account that waives minimum balance requirements and balance or provide $5.00 No Yes Available safekeeping maintenance fee. tax-free EIN • Commercial Sweep Premium Sweep Investment account that is linked to a business analysis account

• Easy Sweep Account as part of the FNB Sweep service. This investment account is an Fees can be offset by Included as part of the Yes, tiered BUSINESS Yes No Available interest bearing checking account and is not collateralized or earned income credit account analysis fees rate covered by FDIC insurance. • Business Advantage Business Financial Begin with a business checking account with no monthly fees $25.00 • Professional Business Checking Solutions and a convenient loan or line of credit, then select from a full $5,000 minimum daily 500 free monthly items, Our streamlined, quick account opening process array of business products and services to create a Solutions balance or $15,000 $0.32 per item fee is No Yes Yes Available provides a convenient way to gather information package that meets your unique business needs. average daily balance applicable on each item in and open an account. excess of 500

• Insured Cash Sweep (ICS-Demand) Commercial Banking Investment account that is linked to a business analysis account PRODUCTS AND SERVICES Included as part of the • R&T Demand Deposit Marketplace Sweep as part of the FNB Sweep service. This investment account is N/A Yes Yes No Available account analysis fees Sweep an interest bearing account and is fully collateralized. Balance Required Other Products to Avoid Monthly Monthly Account Interest Monthly ATM/ Also Available** Overview Maintenance Fee Maintenance Fee Paid Statement Debit Card FNB Online Banking Additional Benefits Business Interest Make your money work for you. This interest-bearing account is $25.00 Checking designed for qualifying sole proprietors, non-profit organizations, non- $2,000 minimum daily Deposited Items = $0.18 Yes, with check profit corporations and entities entrusted with public funds. Charges balance or $4,000 Deposit Ticket = $0.50 Yes Yes Available safekeeping are incurred for all account activity, but you can avoid the monthly average daily balance Paid Checks = $0.24 maintenance fee by maintaining a minimum balance in the account. Electronic Items = $0.18 PRODUCTS AND SERVICES Estate Management Designed for court-appointed representatives or executors with Interest of estates to help manage and distribute an estate’s assets. $50,000 minimum daily Discount on merchant services, select CD bonus rates, $25.00 Yes Yes Yes Available With this customized account, you can consolidate assets and balance Business Value Check Pack and more. access cash quickly to pay taxes or cover expenses.

Estate Management Designed for court-appointed representatives or executors No charge to use FNB ATMs, non-FNB ATMs of estates to help manage and distribute an estate’s assets. and up to $10.00 ATM surcharge refund per statement N/A $0 No Yes Yes Available With this customized account, you can consolidate assets and cycle. Select CD bonus rates, loan discounts, BUSINESS access cash quickly to pay taxes or cover expenses. free checks and more. * If you currently have a Business Community, Non-Profit Checking, Essential Business or Interest Business Checking account, Checking and savings accounts are considered dormant after 24 months of no customer initiated activity and will be assessed a dormant fee. Last activity you will receive a separate mailing regarding your new account type. dates are transferred from Yadkin Bank and Newbridge Bank. Please refer to the Important Account Information disclosures for the current fee schedule. ** Refer to “Availability of Deposits” description on pages 18 and 19 which describes First National Bank’s standard check/item processing and overdraft practices which apply to these accounts. YOUR NEW BUSINESS SAVINGS ACCOUNT YOUR NEW BUSINESS SAVINGS ACCOUNT

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DESIGNED WITH YOUR ? DID YOU KNOW BUSINESS GOALS IN MIND Structuring your business Use the chart below to determine the First National Bank savings account which is most comparable to your existing banking relationship correctly account and to review the features of your new account. To ensure a seamless transition, your account will be can save you precious time and transferred automatically to the most comparable option noted here. money and offer you valuable Your new FNB savings account should be very similar to your current account. However, if you find an account that financial insights. better fits your needs, you can select an alternate account any time afterMonday, March 13, 2017. Simply visit a First National Bank office or call our Customer Service Center at 800-555-5455.

Monthly Account Your Current Yadkin Your New Maintenance or NewBridge Bank First National Bank Balance Required to Avoid Fee/Transaction ATM/ FNB Online Checking Account Savings Account* Overview Monthly Maintenance Fee Limitations Interest Paid Monthly Statement Debit Card Banking Additional Benefits • Business High Yield Business FirstRate This account is perfect for businesses that need a solid Money Market Money Market investment without risking principal. With tiered interest • Business Premier Money Market rates that automatically increase as your balance increases, Tiered variable • Finistar your money is always working for you. Convenient online rate calculated Interest-bearing money market account • Brokered MMA access allows you to manage your money effectively. Business daily on the with limited check writing capabilities and • Brokered Now FirstRate Money Market is available as long as you have a $5,000 minimum average Yes, with check $10.00 collected balance, Yes Available tiered interest levels. • Brokered Now IND business checking account with First National Bank. daily balance safekeeping compounded and The tiered rate means you earn more • Business Money Market credited to the on higher balances. • Relationship MMA Business account monthly • Promotional Business MMA • Anova MM/Finistar Now • Business Premier • Business Advantage Savings FirstRate Savings Your interest rate automatically increases as your balance $5.00 Variable rate paid on • Youth Savings - Non Profit increases and you can have immediate access to your funds 6 automatic or electronic collected balance, through online banking or ATM use. With a low minimum transactions (ACH or $500 average daily balance compounded and Quarterly Yes Available balance requirement, our FirstRate Savings account provides point of sale transactions credited to the flexibility plus the opportunity to earn interest. w/PIN using an ATM account monthly card) per month BUSINESS • PIFMM (Public Insured) Public Funds Money Available only to political subdivisions or other government $10.00 Variable rate paid Market entities, the Public Funds Money Market pays a competitive 6 automatic or electronic on collected Funds Money Market Interest-bearing money market account rate. Convenient online access allows you to transfer funds $5,000 minimum transactions (ACH or balance, Yes, with check • State + Muni MM/State + Yes Available with limited check writing capabilities and between this account and other First National Bank accounts. average daily balance point of sale transactions compounded and safekeeping Muni Savings tiered interest levels. w/PIN using an ATM credited to the • Premium Investors card) per month account monthly PRODUCTS AND SERVICES Other Products Balance Required to Avoid Monthly Account ATM/ FNB Online Also Available* Overview Monthly Maintenance Fee Maintenance Fee Interest Paid Monthly Statement Debit Card Banking Additional Benefits Jumbo CD First National Bank’s Jumbo Certificate of Deposit is a great Fixed rate paid on way to earn higher interest rates on deposits of $100,000 or N/A collected balance, more with flexible terms ranging from seven days to one year. compounded and Inquiry N/A Early withdrawal No No FDIC Insured Rest easy knowing your investment is guaranteed to grow at a credited to the Available fixed rate for the term you desire. penalty may apply account at maturity of term

Business Certificates Take advantage of Certificate of Deposit options to earn Fixed for term. PRODUCTS AND SERVICES of Deposit more on funds not immediately needed. Our competitive N/A Interest is CD rates result in a higher return, the added convenience Inquiry N/A Early withdrawal compounded N/A No FDIC Insured of automatic renewal and the automatic deposit of earned Available interest back into your CD. penalty may apply and credited on a quarterly basis

* Refer to “Availability of Deposits” description on pages 18 and 19 which describes First National Bank’s standard Checking and savings accounts are considered dormant after 24 months of no customer initiated activity and will be assessed a dormant fee. Last activity check/item processing and overdraft practices which apply to these accounts. dates are transferred from Yadkin Bank and Newbridge Bank. Please refer to the Important Account Information disclosures for the current fee schedule. BUSINESS BUSINESS BANKING CONVENIENCE BANKING

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GROWING YOUR BUSINESS THE RIGHT CARD FOR YOUR BUSINESS

First National Bank can support your growth objectives with First National Bank offers debit and credit cards to help loans, mortgages, lines of credit and leasing options to help you operate and manage your business. you purchase equipment, expand facilities, finance space and more. • Business Visa® Debit Card Enjoy 24/7 access to thousands of ATMs in the Visa®/ • Business Credit Plus network and purchasing power anywhere Visa® is • Business Term Loans accepted. Set purchase and cash withdrawal limits and track business expenses and cash flow online. • Commercial Lines of Credit • Solutions Business Credit Card • Commercial Mortgage Loans Streamline expense management, add convenience for • Construction Loans your employees and take advantage of a competitive • Demand Loans annual rate and no annual fee. • Equipment Leasing • International Banking SAVE TIME AND MONEY • Mezzanine Debt and Private Equity At First National Bank, we combine our banking expertise and the latest technology, • SBA Loans so you can save time and money.

Online Banking ExecuBancTM provides Online Banking benefits for your business with powerful MAXIMIZE YOUR BUSINESS ASSETS encryption technology. Online Banking benefits BUSINESS First National Bank offers a full range of products and • Check account balances • Make loan payments services designed for businesses that want ready access to • View account history • Verify ATM or Debit Card transactions financial information, plus the ability to move assets easily. • Send wires and ACH transactions* • Transfer funds

Treasury Management and related services are the keys to *Available only with ExecuBancTM effectively managing your business banking needs.

First Desktop Banker PRODUCTS AND SERVICES • ACH Services First Desktop Banker is a compact, innovative desktop scanning system that allows you to electronically deposit checks into your bank account from your place of business. • Business Online Checking

• Commercial Sweep Account Check Reorders • Lockbox Conveniently reorder checks online at www.fnb-online.com. • Merchant Services Merchant Services - Mobile Payments

PRODUCTS AND SERVICES • Positive Pay Convert smart phones and tablets into a highly secure • Same Day Banking, All Day and convenient “use anywhere” credit card terminal. • Treasury Management Services FNB Business Mobile Banking App FNB Business gives you the flexibility to manage your business banking needs on your schedule. Check balances, transfer funds and approve ACH or fund transfers securely from BUSINESS your mobile device. INVESTMENTS AND WEALTH MANAGEMENT INSURANCE PRODUCTS AND SERVICES

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INVESTING IN YOUR FUTURE PROTECTING YOUR INVESTMENTS

F.N.B. Wealth Management, our investment group, Retirement Services for You and Your Employees First National Insurance Agency, our insurance group, can design policy packages that will is a fully integrated team of experienced professionals Our team of professionals can help you sort through adequately protect your business and provide the resources to help you make decisions who can help you capitalize on your investments. You the maze of details and design a plan that is right for that are right for your particular needs. can rely on our expertise to help you accomplish your you and your employees. business goals: Products Products listed are not FDIC insured. They may go down in value. They are not • Estate and Wealth Distribution financial institution guaranteed. They are not a deposit and are not insured by Individual Medical Insurance Renter’s Insurance • Lifetime Wealth Distribution any federal government agency. Securities and insurance products are offered through Cetera Investment Services LLC, Commercial Property Directors and Officers • Wealth Enhancement and Growth member FINRA/SIPC. F.N.B. Investment Services is a marketing name for Cetera • Wealth Protection Investment Services LLC which is offering securities at First National Bank. Cetera General Liability Employment Practices Liability Insurance (EPLI) is under separate ownership from any other named entity. Commercial Auto Employee Dishonesty Take advantage of our comprehensive array Workers’ Compensation Professional Liability of financial services: Umbrella Liability Cyber Liability • Business Succession and Transition • Financial Planning Inland Marine Bonds • Insurance Builder’s Risk Captive Insurance Programs • Investment Management Trade Credit Insurance Fiduciary Liability • Qualified Retirement Plans • Retirement Planning • Trust Administration Group Benefits and Life Insurance* Our Group Benefits Department provides a comprehensive offering of employee benefits, including voluntary employee benefits products to help you control your costs. Our professionals will help you design your plan, act as a resource for your staff, assist with

employee enrollment and offer ongoing support for services provided: BUSINESS

Group Medical Vision Insurance Life Insurance Key Person Insurance Long and Short-Term Disability Insurance Buy-Sell Life Insurance

DID YOU KNOW PRODUCTS AND SERVICES ? Dental Insurance Pre-Paid Legal & Identity Theft FNB’s integrated financial business planning can provide

a holistic look at banking, We represent most major benefit insurance carriers including Highmark, Health America/Health Assurance, Guardian, UNUM, Genworth wealth management and Financial, Geisinger Health Plan and Capital Blue Cross. insurance needs and provide *Insurance products are sold by First National Insurance Agency, LLC and its licensed agents. Insurance products are not insured by the FDIC or any other federal government agency, not a deposit of, or guaranteed by FNB or its affiliates. Subject to investment risks, including loss of a road map for future growth. principal amount invested. PRODUCTS AND SERVICES BUSINESS WORKPLACE, PERSONAL AND PRIVATE BANKING FIRST NATIONAL BANK DIFFERENCE

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WORLD-CLASS SOLUTIONS, CREATING GREATER EFFICIENCIES HOMETOWN SERVICE

Banking for Your Employees - WorkPlace First From its very start more than 150 years ago, First National Bank (FNB) has been guided by a passion for helping its WorkPlace First with direct deposit gives your employees quick, convenient and dependable access to their pay customers and communities thrive. Today, in addition to a vast network of convenient branch and ATM locations, while you gain peace of mind. In addition to direct deposit, you can provide great employee advantages at no cost. customers have access to a comprehensive suite of online and mobile banking services to provide even more ways to make it easy to do business with us. WorkPlace First Benefits First National Bank is committed to local decision-making and the hometown service for which it is known. FNB’s No minimum balance requirement No foreign ATM fees from First National Bank and a monthly $10 experienced bankers are vital members of their communities, frequently guiding the organizations that shape their credit on fees charged by other banks per statement cycle regions and acting as the first point of contact as citizens and businesses strive to achieve their financial goals. Visa® Debit Card Free checks and unlimited check writing privileges We invite you to experience for yourself the First National Bank difference! Online Banking with Bill Payment Check safekeeping with detailed monthly statements Mobile Banking with Mobile Deposit Interest rate discounts on new loans using automatic loan payment Rate bonuses on select new CDs Discounts on mortgage or home equity loan closing costs FIRST NATIONAL BANK IS RECOGNIZED Free standard small safe deposit box FOR ITS STABILITY AND EXCEPTIONAL (contents not FDIC insured) CUSTOMER SERVICE Employee Benefits Personal Banking Pennsylvania • Dental Whatever you need, whether it’s a checking account, better return on your savings, retirement planning, car • Disability NEARLY MORE THAN • Executive Carve Outs/Key Person Insurance insurance quotes, a home equity loan or a mortgage • Health for your new home, we can handle it all at an office $30 $21 Ohio • Health Savings Accounts location near you. You’ll have access to more than 400 BILLION ASSETS BILLION DEPOSITS • Life locations, 24-hour FNB Online Banking with Bill Payment, Maryland • Vision Mobile Banking with Mobile Deposit, more than 550 ATM West Virginia • Voluntary Products locations and convenient Telephone Banking, making MORE THAN MORE THAN • And More it easy to access your accounts at any time and from 4,600 400 almost anywhere. Virginia EMPLOYEES BRANCHES EXPERIENCE AN EXCLUSIVE DIFFERENCE IN BANKING MORE THAN MORE THAN 550 2 North Carolina The Private Banking Difference ATMs MILLION CUSTOMERS DID YOU KNOW A Private Banker from First National Bank can serve as ? Statistics are on a combined proforma basis including the

PRODUCTS AND SERVICES proposed acquisition of Yadkin Financial Corporation. your single point of contact for all of your banking needs. FNB Branch/ATM Locations Your dedicated Private Banker Yadkin Bank Locations serves as a single point of South Carolina • Private Banking Select Checking contact, connecting you to a • Private Banking Select Money Market wealth of checking, savings, • Special Mortgages loans and mortgage products. BUSINESS • Loans and Lines of Credit • Wealth Strategies and Asset Protection Visit www.fnb-online.com to learn more.