F.N.B. CAPITAL

Administration of savings accounts; administration savings accounts, namely, of holiday and vacation club accounts; automated teller machine services; banking and financial services, namely, providing money market account service; banking services; banking services, namely, direct deposit services; banking services, namely, night deposit services; checking account services; consumer and commercial lending services; credit card services; debit card services; electronic interactive banking services; financial analysis and consultation; financial clearing house services; financial exchange services; financial forecasting services; financial guarantee and surety services; financial information provided by electronic means; financial management services; financial planning; financial portfolio management; financing services; financial services, namely, money lending; financial services, namely, providing Individual Retirement Accounts, Self Employed Qualified Retirement Plans; financial services, namely, providing remote deposit services for deposit accounts; financial services, namely, rent security account; financial valuation of personal property and real estate; home equity loans; installment loans; internet banking services; lease-purchase financing; loan financing; money market account services; money transfer, electronic transfer of money, electronic funds transfer; night deposit services; online banking services, namely, internet bill paying; providing financial information in the nature of rates of exchange; safe deposit box services; savings account services; telephone banking services; administration of municipal and county government pension services; capital investment consultation and advice; electronic/interactive financial trading services; financial and investment management; financial information in the nature of rates of exchange, financial exchange; financial information in the nature of financial forecasting and financial guarantee and surety; financial investment advice and consultation; financial portfolio management, namely, stock and bond portfolio management; financial portfolio management, namely, stock and bond portfolio management and advice; financial research; financial risk management and consultation via health care, disability, long-term care and life insurance; financial risk management and consultation; financial services, namely, capital investment consultation and management, capital investment consultation, equity capital investment; financial valuation of investment portfolio; fund investment consultation; fund investment services, namely, advice and brokerage services for Individual Retirement Accounts; fund investment services, namely, advice and brokerage services for Self Employed Qualified Retirement Plans; funds investment; individual investment advisory services; internet investment and brokerage services; investment advice; investment advice and brokerage services in the field of annuities (fixed and variable); investment advice and brokerage services in the field of mutual funds and securities; investment consultation; investment management; management and administration of defined benefit plants, profit sharing plans and non-qualified retirement plans; management of capital investment funds; mutual funds investment; mutual fund services, namely, brokerage, distribution and investment; mutual funds services, namely, establishment of mutual funds for others and brokerage, investment and distribution; financial risk planning including health care, disability, long-term care and life insurance; securities brokerage services; asset-backed financing; foreign currency trading; derivatives trading; structured financing transactions; securitization transactions; financial structuring of equipment loans; education financing; mortgage lending; providing automobile loans; credit card receivable services; corporate receivable services; providing municipal debt type structures; private placement of private equity funds, securities and derivatives for others; loans syndications; equity and interest rates securities; equipment financing; issuing asset backed securities; municipal bond financing; dealing in fixed income products; providing loans secured by commercial paper; issuance of corporate bonds; trading of collateralized mortgage obligations; providing floating rate notes; margin account services; providing bridge and acquisition loans; providing term loans; providing money market lines and project finance, namely, providing working capital, venture capital funding services for emerging and start-up companies; providing private capital loans; corporate financial advisory services; debt private placement services; equity investing; financial risk management services; issuing mortgage backed securities and asset backed securities; advisory services concerning financing alternatives; information services for all for the forgoing provided via a global computer network