F.N.B. CORPORATION

Banking services trust services financial services, namely financial services in the nature of an investment security, financial analysis, financial clearing houses, financial information in the nature of rates of exchange, financial exchange, financial forecasting, financial guarantee and surety, financial information provided by electronic means, financial management, financial planning, financial portfolio management, financial research, financial valuation of personal property and real estate, loan financing, lease-purchase financing, financing services, venture capital financing and management, mortgage banking and lending, home improvement loans, debt consolidation loans, home equity loans, personal and business financial planning, estate planning, tax planning, financial asset management, estate trust management and financial information; and consultation services in the fields of insurance finance, capital investments and banking; insurance services, namely insurance underwriting and extended warranty contracts in the fields of life, health, accident, fire, marine, medical, pre-paid health care and legal services; insurance administration in the fields of life, health, accident, fire, marine, medical, pre-paid health care and legal services; insurance agency services in the fields of life, health, accident, fire, marine, medical, pre-paid health and prepaid legal services, appraisals for insurance claims of personal property; real estate brokerage; investment services, namely capital investment, fund investment consultation and investment consultation; commodity investment advice, investment advice and investment management; investment and financial investment in the fields of real estate and securities; investment of funds, mutual funds, annuities and real estate; investment brokerage; investment clubs; maintaining escrow accounts for investment; mutual fund services; and all the foregoing services provided online via the global computer network