F.N.B. CAPITAL MARKETS

Asset-back financing; foreign currency trading; derivatives trading; structured financing transactions; securitization transactions; financial structuring of equipment loans; education financing; mortgage lending; 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