F.N.B. - Key Persons

Job Titles:

• Managing Director of Corporate Compliance at First National Bank

Amy March is the Managing Director of Corporate Compliance at First National Bank, the largest subsidiary of F.N.B. Corporation. She oversees FNB's Compliance Risk Management program and activities designed to ensure compliance with regulatory requirements, including Fair and Responsible Banking and the Community Reinvestment Act. March brings more than two decades of financial services leadership experience from financial institutions including BNY Mellon and PNC Bank, in addition to holding several compliance-related roles. She earned her Bachelor of Arts in Communications, Master of Business Administration and Juris Doctor from Duquesne University, where she also currently serves as a member on their Graduate and Executive Programs Advisory Council. She is further accredited as a Certified Regulatory Compliance Manager.

Job Titles:

• Chief Consumer Banking Officer
• Executive Vice President of Consumer Banking

Barry Robinson is Chief Consumer Banking Officer for First National Bank, responsible for driving the consumer banking experience. Accordingly, he oversees Retail Sales and Distribution, Digital Channels, Small Business Banking, Mortgage Services, Consumer Banking Solutions and Consumer Product Development. Robinson joined FNB in 2010 and most recently served as Executive Vice President of Consumer Banking. His nearly 40 years of financial services experience includes executive wealth management and corporate banking roles with National City Bank as well as previous responsibility for leveraged lending. Robinson earned a bachelor's degree from The Pennsylvania State University and a Master of Business Administration from Carnegie Mellon University. He also currently serves as a member of the Board of Directors of United Way of Allegheny County.

Job Titles:

• Chief Wholesale Banking Officer for First National Bank
• in 2018 As Executive Vice President of Capital Markets and Specialty Finance

Bryant Mitchell is Chief Wholesale Banking Officer for First National Bank. He oversees lines of business and functional areas across FNB's multistate footprint including Commercial Banking, Capital Markets and the Company's Wealth Management group. Bringing over 40 years of financial services experience to his current role, Mitchell joined FNB in 2018 as Executive Vice President of Capital Markets and Specialty Finance. He previously served as a Regional Executive with The PNC Financial Services Group, Inc. Mitchell earned both a bachelor's degree in Economics and a Master of Business Administration in Finance from The Ohio State University. He currently serves on the boards for Brother's Brother Foundation and The Neighborhood Academy and is past President of the Cooper Siegel Library in Fox Chapel.

Job Titles:

• Chief Credit Officer
• Chief Credit Officer for F.N.B. Corporation
• F.N.B. Corporation As Regional Credit Officer

Gary L. Guerrieri is Chief Credit Officer for F.N.B. Corporation, responsible for managing the overall credit function, including commercial and retail underwriting, credit administration, credit policy and credit risk management. He also oversees the Bank's special assets and indirect lending functions and serves as Chairman of the Senior Loan Committee. Guerrieri joined F.N.B. Corporation as Regional Credit Officer through the merger with Promistar Bank in 2002 and was promoted to Chief Credit Officer in 2011. At Promistar, Guerrieri served as Executive Vice President of Commercial Banking in Johnstown, PA. Previously, he served as Executive Vice President and Community Banking Executive for Laurel Bank in Uniontown, PA. He holds a Bachelor of Science degree in Business Administration from California University and a Master of Business Administration from Waynesburg University, for whom he has served on the Board of Trustees for nearly two decades.

Job Titles:

• Mortgage Banking Sales Manager

Job Titles:

• Chief Legal Officer
• Chairman of the American Bankers Association 's Regional Bank General Counsels Group
• F.N.B. Corporation 's Chief Legal Officer

James G. Orie has served as F.N.B. Corporation's Chief Legal Officer since 2004 and became the Company's Corporate Secretary in 2015. Orie manages FNB's in-house Legal Department and has primary oversight of the Company's and its affiliates' legal, regulatory, board governance, corporate secretarial and fiduciary responsibilities. As Chief Legal Officer, Orie provides counsel to the board and senior management team and is engaged in critical decision and policy-making processes, including legal, regulatory, business, operational, compliance and risk management issues; transactions; litigation and claims; SEC reporting and disclosure matters; the Code of Conduct; and regulatory and governmental relations. Orie brings more than 40 years of legal and financial services regulatory experience to his role. Before joining FNB's Legal Department in 1996, Orie held roles as corporate counsel with the Office of the Comptroller of the Currency, Chief Counsel for the Office of Thrift Supervision's Pittsburgh office and lead counsel for a Pittsburgh-based law firm's corporate, business and banking practice. Orie has served as the chair of the American Bankers Association's Regional Bank General Counsels Group and on various financial institution trade group committees dedicated to advocating for the perspectives of the financial services interests. He is active in the community, having served on various nonprofit boards dedicated to providing opportunity to historically disadvantaged youth, such as Ozanam Inc., while also volunteering and providing pro bono legal assistance for disadvantaged persons and charitable and education organizations. Orie holds a Bachelor of Arts in History from Franklin & Marshall College and earned his Juris Doctorate at Duquesne Law School in Pittsburgh.

Job Titles:

• Chief Communications Officer
• Chief Communications Officer for F.N.B. Corporation
• Media Inquiries

Jennifer M. Reel is the Chief Communications Officer for F.N.B. Corporation. She is responsible for the overall direction of communications, media and public relations strategies for F.N.B. Corporation and its affiliates. Reel has more than 20 years of industry experience, having held various Marketing and Communications roles at FNB throughout the Company's significant growth and expansion. Previously, she worked as an educator in the Pennsylvania school systems. Before graduating from the American Bankers Association (ABA) School of Bank Marketing and Management, Reel earned both her bachelor's and master's degrees from Westminster College in New Wilmington, PA. She previously served on the ABA's Bank Marketing and Sales Editorial Advisory Committee and the Pennsylvania Bankers Association's Public Relations Communication Advisory Committee. Additionally, Reel has earned her Certified Financial Marketing Professional (CFMP) designation by the Institute of Certified Bankers.

Job Titles:

• Mortgage Banking Consultant

Job Titles:

• Manager of Investor Relations

Job Titles:

• Mortgage Banking Consultant

Job Titles:

• Chief Audit Executive
• Chief Audit Executive for F.N.B. Corporation
• in 2023 As Chief Operational Risk Officer

Ronda Edkins is Chief Audit Executive for F.N.B. Corporation, responsible for providing independent assurance to the Company's Audit Committee and Board of Directors regarding the effectiveness of governance, risk and control processes. Edkins directs teams in evaluating financial, operational and information technology controls based on assessment of risk and compliance with corporate policies and government laws and regulations applicable to banking. Edkins joined FNB in 2023 as Chief Operational Risk Officer. She has more than 25 years of financial services experience, previously holding roles with KPMG, PNC Bank and most recently with USAA as the Risk and Governance Audit Executive. She earned her Bachelor of Science in Business Administration and Accounting from Robert Morris University and currently serves as a board member and vice chair for the Southwestern PA chapter of the American Red Cross.

Job Titles:

• Chief Risk Officer
• Director of Risk Management
• Chief Risk Officer for F.N.B. Corporation

Thomas M. Whitesel is Chief Risk Officer for F.N.B. Corporation. His responsibilities include working with executive management and the Board of Directors to define and communicate the Company's risk appetite while overseeing the development and execution of FNB's Enterprise Risk Management (ERM) processes across the organization. Whitesel is also responsible for the development and execution of the Bank's Operational Risk Framework. He oversees the Bank's risk-management areas, including, but not limited to, Information Security, Fraud, Third Party Risk Management, Operational Risk Management, Loan Review, Model Risk and Corporate Compliance. In 2004, Whitesel joined FNB as the Director of Risk Management. He has almost 40 years of banking and risk management experience. He previously served as Director of Risk Management for KPMG, specializing in advisory services for credit risk and allowance methodologies to various banks throughout the U.S. and globally. He also held positions in corporate planning and acquisitions, as well as other risk related roles focused on credit risk with several regional banks. Whitesel began his banking career as an examiner for the Comptroller of the Currency. A graduate of the University of Nebraska - Lincoln, Whitesel holds a bachelor's degree in finance.

Job Titles:

• Chief Financial Officer

As Chief Financial Officer of F.N.B. Corporation, Vincent J. Calabrese, Jr. is responsible for the Company's corporate finance, accounting management, external financial reporting, internal planning, treasury function, profitability reporting and analysis. He also oversees multiple divisions within FNB, including the Company's information technology (IT), operations, project management and corporate strategies groups, as well as Investor Relations. Calabrese has 36 years of financial services experience. He joined F.N.B. Corporation in March 2007 as Senior Vice President and Corporate Controller. He was Senior Vice President and Controller at People's Bank in Bridgeport, Connecticut, and a Supervising Senior Auditor for KPMG Peat Marwick in Stamford, Connecticut. A Certified Public Accountant, Calabrese earned a Bachelor of Science Degree in Accounting from the University of Bridgeport (CT) and a Master of Business Administration from the University of Connecticut.

Job Titles:

• CEO
• Chairman
• President

Vincent J. Delie, Jr. is Chairman, President and Chief Executive Officer of F.N.B. Corporation and First National Bank. After joining FNB in 2005, Delie assumed a variety of companywide executive leadership roles beginning in 2008. He became President of First National Bank in 2009 and subsequently was promoted to its CEO. He was named President of F.N.B. Corporation in 2011 and was then elected as CEO and joined the Board of Directors in 2012. In 2017, he was appointed Chairman of the Board of Directors of F.N.B. Corporation and First National Bank. Delie also chairs the Board's executive committee. Delie has led FNB to execute on its organic growth and expansion strategy. In addition to completing 17 acquisitions, the Company has substantially built out its digital platform and significantly expanded its product capabilities. During his tenure, FNB has increased its market capitalization by nearly 600 percent, added multiple markets to its geographic footprint and produced sustained revenue growth and expanded profitability. Today, FNB is one of the 50 largest bank holding companies based in the U.S. by total assets. With broad-based financial services experience, Delie previously served as Executive Vice President of Corporate Banking at National City Bank. Throughout his career, he has held various leadership roles in areas within the financial services industry. He earned a degree in Finance from the College of Business at The Pennsylvania State University. Delie currently serves as a member of the Board of Directors of the Allegheny Conference on Community Development and the Pittsburgh History & Landmarks Foundation. He also is involved in the American Bankers Association and Pennsylvania, South Carolina and West Virginia Bankers Associations, and he serves as a trustee for the New York City-based Committee for Economic Development (CED) of the Conference Board. Delie has received a number of honors, including being named CEO of the Year (The CEO Magazine) and an Innovator of the Year (American Banker). Delie has also earned the Industrialist of the Year Award (Society of Industrial and Office Realtors®), the Adam Smith Distinguished Leadership Award (EconomicsPennsylvania), the John V. Heher Humanitarian Award (National Kidney Foundation) and a CEO Today USA Award. Additionally, he has been named to several leadership lists, including the Pittsburgh Business Times' Power 100 and Pennsylvania Business Central's ranking of the Top 100 People. Under Delie's leadership, FNB has been named to lists of the best, most trusted and most admired companies in the U.S. and around the globe by prominent organizations such as Forbes, TIME and Newsweek. The Company has received more than 115 Crisil Coalition Greenwich Best Bank Awards, a President's "E" Award for Export Service, and gained consistent national and regional recognition as a Top Workplace, with more than 80 awards as a leading workplace based on employee feedback. And, in addition to its highly rated mobile banking app, FNB has garnered both international and national acclaim for its omnichannel banking platform, led by the innovative eStore® and Clicks-to-Bricks strategy.