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FROM THE PRESIDENT. Dear Valued Customer of The National Bank of North East,

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FROM THE PRESIDENT

Dear Valued Customer of The National Bank of North East, It is with the greatest pleasure that I welcome you to the First National Bank of Pennsylvania family. We truly look forward to bringing you the finest banking, investment and insurance products and services.

First National Bank has so many things in common with The National Bank of North East. We share the same values, such as our commitment to superior customer service, our commitment to the community and our commitment to our employees. This is why we would like to do whatever we can to make the transition to First National Bank of Pennsylvania easy for you.

At First National Bank we truly take pride in our people and in the service they provide. All of us are committed to providing you with world-class financial management in a community bank atmosphere. We promise to give you extraordinary, superior service each and every time you visit your First National Bank branch and we’ll treat you with respect and common courtesy, while providing the sound financial advice you’ve come to expect.

Please take a few minutes to read and review the information in this booklet. Inside, you’ll find the answers to commonly asked questions, as well as more specific information that pertains to changes in products and services. If you have any other questions or concerns, or would like additional information, please call a Personal Banker at your local office or a Customer Service Representative at 1-800-555-5455.

We look forward to serving you. Sincerely,

Gary J. Roberts President and CEO

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Common Questions

...1

Personal Accounts

Personal Checking Accounts...3

Money Market Accounts ...3

Personal Savings Accounts...13

Business Accounts

Business Checking Accounts...9

Money Market Accounts ...9

Business Savings Accounts...13

Additional Information

Check Imaging ...7

ATM and Debit Cards...15

Internet Questions and Answers ...16

Telephone Banking...17

Personal Fee Schedule...18

Business Fee Schedule...19

Privacy Policy...20

Other Financial Information ...22 Our Locations ...Inside Back Cover

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COMMON QUESTIONS AND ANSWERS

Q. Why did The National Bank of North East decide to merge with First National Bank?

A. In looking at the economic environment, the future forecast of interest rates and the increasing costs to comply with regulations, it is in the best interest of the company to affiliate with a larger institution. By merging with First National Bank -- because they are much larger – we can continue to operate as a community bank, with decisions made locally for our customers.

Q. Will the employees join First National Bank?

A. The same employees who handle your transactions today will become the Personal Bankers who will provide the same friendly professional service during and after the transition to First National Bank.

Q. Do I have to change my accounts, sign new forms and so forth?

A. There is no need for you to do anything. We will make the transfer of your accounts to First National Bank as easy and convenient as possible.

Q. Will any of my account numbers change?

A. If there is a rare situation such as a duplication of account numbers, we may need to change your account number. If that would occur, we will notify you in advance to assure that there is no interruption in our service to you.

Q. When will I have to order First National Bank of Pennsylvania checks?

A. Unless your account number changes, you will be able to continue using The National Bank of North East checks and deposit tickets after the merger. If you must purchase checks now, simply place your order as you have in the past. After the merger takes place, the checks that you order will carry the First National Bank name.

Q. I have my payroll check directly deposited to The National Bank of North East. Will that be affected?

A. Any checks, such as payroll and social security, will continue to be direct deposited to your accounts as they have in the past. Automatic withdrawals will continue the same also.

Q. Will my ATM or Debit Card need to be changed or replaced?

A. You may continue to use the ATM or Debit Card that you currently have with The National Bank of North East. After the merger your ATM or Debit Card will access the same accounts, and you will continue to use the same Personal Identification Number (PIN). First National Bank of Pennsylvania has over 150 ATMs, which offer you a range of choices for surcharge-free ATM usage.

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Q. How is interest paid on my checking and savings accounts?

A. The compounding method used for checking and savings interest calculations is simple compounding. Interest will post monthly directly to your checking account and quarterly directly to your savings account.

Q. How would the merger with First National Bank affect my FDIC insurance coverage?

A. Your FDIC insurance coverage will be affected only if you have deposits at both The National Bank of North East and First National Bank. If you do have accounts at both banks and the balances are in excess of $100,000 please contact a Personal Banker to review your FDIC coverage.

Q. What if I am away from home traveling or on vacation?

A. Simply advise your local community branch office of the dates as well as the address and phone number where you can be reached while you are away. You may also call First National Bank’s Customer Service Center at 1-800-555-5455. We will make every effort to arrange for an alternative delivery of notifications and so forth.

Q. Who can I speak with if I have any other questions regarding my accounts at First National Bank?

A. You can speak to a Personal Banker at any of our more than 140 community branch offices during banking hours. You may also call First National Bank’s Customer Service Center at 1-800-555-5455. Customer Service Representatives are available Monday-Friday 8:00 AM to 8:00 PM and Saturday 8:00 AM to 5:00 PM to help answer any questions or concerns you may have.

Q. What is First National Banks policy on privacy?

A. At First National Bank, one of our most important responsibilities to you, our customer, is the safekeeping of the nonpublic personal confidential information you have given us. We recognize the sensitive nature of your personal financial information and take precautions to protect your privacy. When you entrust us with your financial information, you can be certain it will be used within our guidelines. Please refer to the table of contents of this booklet to find more information on First National Bank’s Privacy Policy.

Q. What can I do to protect myself from becoming a victim of Phishing and Identity Theft scams?

A. First National Bank will never send email that requires you to enter personal information directly into the email. We will not send email threatening to close your account if you do not take the immediate action of providing personal information. We will also never ask you to reply to an email by asking you to send personal information or ask you to enter your User ID, password or account numbers into an email or non-secure webpage. Please refer the Privacy and Security section of our website at www.fnb-online.com for more detailed information on these subjects.

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To help make your transition to First National Bank as smooth as possible we will automatically transfer your account at The National Bank of North East into a comparable account(s) at First National Bank. The chart below illustrates these account conversions, and the following page provides a more detailed description of your new account(s). Also provided on pages 5 and 6 is a chart of all First National Bank checking accounts. If you feel another account is more suitable to your present needs, please contact one of our Personal Bankers or call our Customer Service Center at 1-800-555-5455 on or after Tuesday, October 11, 2005 and we’ll make this change for you.

The National Bank of North East

Access NBNE

Free Checking Borrowers Checking Free Student Checking Regular Checking Basic Checking Freedom Account Consumer Now Account Bonus Checking Employee Now Account

Money Market Investment Account

First National Bank

Account

Free Checking*

Free Checking

Personal Checking

Lifestyle 50

Personal Interest Checking e-xpress Checking

Personal Money Market Account PERSONAL CHECKING AND MONEY MARKET ACCOUNTS

If you do not know the actual name of your account at The National Bank of North East please refer to your monthly bank statement.

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Free Checking

It's hard to find a better deal than free. That's why you'll find so much to like about our Free Checking. No minimum balance, no per-check fees and no limit to the number of checks you can write.

Personal Checking

Personal Checking is the optimal account if you want unlimited check writing and a low minimum balance requirement. You will receive a monthly statement detailing all of your checking transactions, and you can even receive your check images online each month.

Lifestyle 50

Lifestyle 50 is for individuals 50-years-old or better who seek rewarding privileges and conveniences such as checking with interest, bonus rates on CDs, free checks, special events and more.

Personal Interest Checking

Personal Interest Checking, which pays interest, is designated for customers who keep higher balances in their checking account. Customers are attracted to this account because of interest payments and instant access to their account through all channels.

e-xpress Checking

Our e-xpress Checking provides today’s tech savvy consumers with products suitable to their lifestyle. E-xpress Checking provides free FNB Online Banking, unlimited check writing, no minimum balance and free Internet Bill Pay for one low all-inclusive monthly fee. Special program benefits are also included.

Personal Money Market Account

Personal Money Market Account is an interest bearing money market account with limited check writing capabilities and six tiered interest levels. The interest rate tier is determined by the collected balance, thus the rate is not blended. A statement is mailed monthly and an ATM/Debit Card is available for this account.

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Compare for yourself.

We invite you to take a closer look at all the personal checking account options available at First National Bank. Compare the features that mean the most to you, and find your ideal choice. Contact a Personal Banker at any First National Bank location to open an account or answer any questions.

PERSONAL CHECKING ACCOUNT OPTIONS

Free Checking WorkPlace Banking Personal Interest Checking e-xpress Checking Balance Required to

Avoid Monthly Account Maintenance Fee

Interest Paid

Monthly Statement

ATM/Debit Card** FNB Online Banking Internet Bill Payment Check Printing Cost

Other Benefits *Minimum $100 deposit to open an account **Must qualify ***Account is not available to new customers ****Must qualify. $1.50 per transaction fee assessed for using non-First National Bank machines $0* (Requires$0 direct deposit) $1,500 min. $3,000 avg. No minimum balance (Monthly membership dues apply) No No Yes Yes Yes, with free check images Yes, with free check images Yes, with free check images Yes, with free check images

Free Free Free Free

Free Free Free Free

Free Free Free Free

Duplicate checks required (Varies by style)

Free first order of 50 checks on selected styles

Varies

by style on selected styles50% discount Monthly Account

Maintenance Fee N/A N/A $9.00 $8.00

One-time coupon for: • Installments loans • Discount on mortgage or home equity closing costs • Certificate of Deposit bonus • No-fee safe

deposit box for one year • Online access to program benefits • Sojourns Magazine • Savers Club • Free money orders

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Lifestyle 50 First Premier Checking

Personal Checking***

Yes Tiered Variable RateYes No

Free Free Free

Free Free Free

Free Free Free

Free program checks or 50% discount on

selected styles

Free first order of program checks or 50% discount on

selected styles

Varies by style $0* average collected$15,000 $2,500 avg.$300 min. /

Yes, with free check images Yes, with free check images Yes, with free check images Personal Money Market Yes Free Free Free $5,000 avg. Yes, with free check images Varies by style N/A $25.00 $6.00 $10.00 • Free financial analysis • Top quality insurance plans: auto, home, and life

• Long term care insurance • Special travel and

events • Lifestyle 50 Plus

account also available

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CHECKS MADE SIMPLE

First National Bank is making your

life easier with Check Imaging.

We appreciate your business as a checking account customer, and we want to make it easier for you to keep your financial records organized. That’s why we’re providing you with free check imaging. With check imaging you won’t have to worry about organizing and storing your bulky canceled checks. Each month, we’ll provide you with images of your checks on 8.5 “ X 11” sheets, 18 images per page. The checks will be in numerical order with information clearly displayed, including your processing date, check number and amount.

Your imaged checks are as good as the originals, especially in the eyes of the law. Both the IRS and courts of law accept imaged checks as proof of payment. And since your imaged checks are permanently stored in digital files, it will be easier for us to retrieve a duplicate copy for you. Thanks to the quality of digital technology, we can provide enlarged copies for signature and endorsement verification. We are pleased to offer you this state-of-the-art technology, and are confident that you will find that check imaging makes it easier than ever to balance your statements on a monthly basis.

Additional explanation, including pictures, is provided on the opposite page. If you have any questions, please be sure to contact your Personal Banker immediately or call 1-800-555-5455. We are committed to bringing you the latest innovations in banking to help make your life easier.

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CHECK IMAGING

1. Your canceled checks are reduced and put in numerical order, then they’re printed out, 18 images per page, onto 8.5“ X 11” sheets.

2. Three sets of numbers representing the processing date, check number and check amount are clearly printed below each check image for quick reference.

3. Your new check images, as well as your checking account statement, are 3-hole punched and sent to you for your records. Store the pages in a 3-ring binder. It’s that simple.

4. These images are official documents, accepted by courts of law and the IRS. Just in case you ever need them, we store your checks digitally so we can retrieve, print and even enlarge them to full size.

5. You never need to store loose piles of canceled checks again. Now, records are easier to locate and take up less space. 6. Images are also available online. Sign up at www.fnb-online.com.

Here’s How it Works:

Takes all your canceled checks

and puts them on managed

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To help make your transition to First National Bank as smooth as possible we will automatically transfer your account at The National Bank of North East into a comparable account(s) at First National Bank. The chart below illustrates these account conversions and the following page provides a more detailed description of your new account(s). Also provided on pages 11 and 12 is a chart of all First National Bank Checking Accounts. If you feel another account is more suitable to your present needs, please contact one of our Personal Bankers or call our Customer Service Center at 1-800-555-5455 on or after Tuesday, October 11, 2005 and we’ll make this change for you.

BUSINESS CHECKING AND MONEY MARKET ACCOUNTS

The National Bank of North East

Free Small Business Checking Business Checking

Business Checking with Interest Business Checking Account Analysis Organization Checking

IOLTA Checking

Business Money Market Investment Account

First National Bank Account

Free Small Business Checking Business Checking

Business Interest Checking

Business Analysis Checking

Non-Profit Checking

IOLTA Checking

First Money Market - Special

If you do not know the actual name of your account at The National Bank of North East please refer to your monthly bank statement.

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Free Small Business Checking

Our Free Small Business Checking was developed to meet the needs of small organizations that have relatively low levels of account activity. There is not a monthly maintenance fee and there are no per item charges as long as deposited, paid and electronic items do not exceed 150 in any combination within a monthly statement cycle.

Business Checking

One-size-fits-all isn’t what you look for in a checking account, especially when you’re a business with minimal amounts of account usage. Our Business Checking is a real value to companies who have limited monthly checking account activity.

Business Interest Checking

Business Interest Checking is available to qualifying sole proprietors, non-profit organizations and entities entrusted with public funds. Meet the specified balance requirement and we’ll waive your monthly maintenance fee. Charges will be incurred for all account activity.

Business Analysis Checking

Your business checking account should work as hard as you do. Our Business Analysis Checking gives you an earnings credit for the investable balance you carry. The earnings credit will be used to help offset the activity charges on your account.

Non-Profit Checking

Non-Profit Checking is an account for non-profit organizations and companies. Simply provide Tax Free Identification and any balance requirement and maintenance fees are waived.

IOLTA Checking

IOLTA is an interest bearing demand deposit account established by lawyers for the purpose of depositing their client’s funds. Interest earned over the $10.00 service charge is remitted to the state’s Lawyers Board.

First Money Market - Special

The First Money Market - Special Account is designed as an investment alternative to mid- and short-term CDs and mutual fund money market accounts. It is a high performance money market account with limited check writing capabilities and tiered interest levels.

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Business Checking Compak Business Checking Business Analysis Checking Business Interest Checking Balance Required to Avoid Monthly Account Maintenance Fee Monthly Account Maintenance Fee Monthly Statement ATM/Debit Card* FNB Online Banking Internet Bill Payment Check Printing Cost Other Benefits *Must qualify. $1.50 per transaction fee assessed for using non-First National Bank machines Deposited, Paid or Electronic items > 100 = $.25/item $1,500 min. or $5,000 avgerage daily balance.

Deposited, Paid or Electronic items >200= $.15/item No minimum balance. Deposited items = $.10 Paid items = $.13 $2,000 min. or $4,000 average daily balance. Deposited items = $.10 Paid items = $.13 $10 $15 $12 $12 Yes, with free check images Yes, with free check images Yes, with free check images Yes, with free check images

Yes Yes Yes Yes

Execubanc

Available Execubanc Available Execubanc Available Execubanc Available Execubanc

Available Execubanc Available Execubanc Available Execubanc Available Varies

by style Varies

by style Varies

by style by styleVaries

Interest Paid N/A N/A Earnings Credit Yes

BUSINESS CHECKING ACCOUNTS

Compare for yourself.

We invite you to take a closer look at all the business checking account options available at First National Bank. Compare the features that mean the most to you, and find your ideal choice. Contact a Personal Banker at any First National Bank location to open an account or answer any questions. Free Small Business Checking $0* N/A Yes, with free check images Yes Execubanc Available Execubanc Available Varies by style N/A

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Non-Profit Checking Preferred Interest Checking IOLTA Checking Business Money Market

$100 N/A average daily$5,000

$5 N/A $10 if interest earnedis > = $10 $10

Yes, with free check images Yes, with free check images Yes, with free check images Yes, with free check images

Yes Yes N/A Yes

Execubanc Available Execubanc Available N/A Execubanc Available Execubanc Available Execubanc Available N/A Execubanc Available

Varies by style First Money Market-Special Yes, with free check images Yes Execubanc Available Execubanc Available N/A Varies

by style by styleVaries by styleVaries by styleVaries Yes

N/A

Yes Yes Yes

$10 $5,000 average daily

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To help make your transition to First National Bank as smooth as possible we will automatically transfer your account at The National Bank of North East into a comparable account(s) at First National Bank. The chart below illustrates these account conversions and the following page provides a more detailed description of your new account(s). Also provided on page 14 is a chart of all First National Bank Checking Accounts. If you feel another account is more suitable to your present needs, please contact one of our Personal Bankers or call our Customer Service Center at 1-800-555-5455 on or after Tuesday, October 11, 2005 and we’ll make this change for you.

SAVINGS ACCOUNTS

If you do not know the actual name of your account at The National Bank of North East please refer to your monthly bank statement.

*Your check from your Holiday Savings account will be mailed on November 1, 2005. This check will include the balance as of the last business day in October plus earned interest.

Statement Savings

Statement Savings is a basic savings account that provides a mailed monthly or quarterly statement, depending on account activity. The interest rate is variable and is calculated daily on the collected balance, compounded and credited to the account quarterly. ATM access is available for this account.

Holiday Club

Our Holiday Club is a savings account that allows for penalty-free withdrawls and deposits throughout the year. Save money for the holidays or any occasion without waiting for an annual check. The interest rate is variable and is calculated daily on the collected balance, compounded and credited to the account semianually. ATM access is available for this account.

The National Bank of North East

Statement Savings

Holiday Savings*

First National Bank Account

Statement Savings

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*See Fee Schedule for monthly maintenance fee. First Money Market Accounts Statement Savings Premium Savings Interest Rate and Payment Terms Transaction Limitations Minimum Balance to Avoid Fee* Other Benefits

6 transfers per month (3 by check/draft)

are permitted Tiered Variable rate,

compounded quarterly

Variable tiered rate, compounded quarterly 6 transfers per month are permitted $5,000 average balance $10,000 minimum balance FNB Online Banking, ATM access, FDIC insured, First Money Market Special also available

Holiday Club Variable rate, compounded semi-annually 6 transfers per month are permitted N/A FNB Online Banking, FDIC insured 6 transfers per month are permitted Variable rate, compounded quarterly $100 average balance FNB Online Banking, ATM access, FDIC insured FNB Online Banking, ATM access, FDIC insured R E G U L A R C E RT I F I C AT E S

R E G U L A R C E RT I F I C AT E S IRA CERTIFICATES & IRA SAVINGSIRA CERTIFICATES & IRA SAVINGS Earn market rates for a fixed period of time.

• $500 minimum balance to open. • The interest rate is fixed.

• Interest is compounded quarterly and can be credited to you certificate.

• Interest is also available by check or can be credited to another account at our bank.

S P E C I A L C E RT I F I C AT E S

S P E C I A L C E RT I F I C AT E S

Earn high rates on deposits of $100,000 or more.

• Terms range from 7 days to 365 days.

• Your investment will grow at a fixed rate for a fixed term.

The smart investment for retirement planners.

• Various fixed terms are available; or choose a variable-rate savings account.

• Interest is tax-sheltered until withdrawn. • Certificate interest is compounded quarterly and

credited to your account.

• Savings interest is compounded monthly and credited to your account.

• Full tax deductions for contributions up to prescribed IRS limits are permited for non-active participants in employer-sponsored retirement programs. Active

participants can claim partial deductions for contributions if they are within certain income levels. • Simplified Employment Pensions (SEP) are available

for the self-employed.

• Contributions of $500 or greater are deposited into Certificates of Deposit.

• For contributions of less than $500 we offer the option to accumulate funds in an IRA Savings Account until the balance is large enough to be placed into a certificate. CD and IRA Investments

Penalties for early withdrawl on Certificates of Deposit and individual Retirement Accounts are described in detail in the Deposit Account Agreement.

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ONLINE BANKING QUESTIONS AND ANSWERS

Q. Do I need to re-apply for Internet Access at First National Bank?

A. No, if you have Internet Access at The National Bank of North East. Do not re-apply for Internet Access at First National Bank. You will receive a letter from First National Bank the first week in October explaining how to access your online accounts at First National Bank.

Q. What if I don't receive the letter with instructions on how to access my accounts online at First National Bank?

A. If you do not receive a letter from First National Bank by October 8, 2005, please contact First National Bank's Customer Service at 1-800-555-5455.

Q. Will I still be able to view and transfer funds on the same accounts at First National Bank that I did at The National Bank of North East?

A. Yes, we will do our best to assure you have access to the same accounts you had access to at The National Bank of North East. However, if you cannot access an account, please contact First National Bank's Customer Service at 1-800-555-5455.

Q. Will I use the same User Identification number (User ID) that I use at The National Bank of North East to access my accounts at First National Bank?

A. Yes, you will use the same User ID you use at The National Bank of North East to access your accounts online at First National Bank, but how you enter the information will be different. First National Bank will send you a letter the week of September 27, 2005 with instructions on how to access your accounts online at First National Bank. It is important that you keep the letter for reference to assist you the first time you log on to First National Bank’s website at www.fnb-online.com.

Q. Will I use the same Password that I use at The National Bank of North East to access my accounts online at First National Bank?

A. No, you will receive a letter from First National Bank the week of September 27, 2005 with instructions on how to access your accounts online at First National Bank. The letter will provide password information.

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Q. Will I still be able to pay my bills online using the Bill Payment feature?

A. Yes, First National Bank offers a Bill Payment service free of charge to their customers. However, you will be asked to re-enter your bill payment and vendor information into the new Bill Payment system at First National Bank. You will receive a letter the week of September 27, 2005 with instructions on how to access your accounts on line at First National Bank. If you do not receive a letter from First National Bank by October 8, 2005, please contact First National Bank’s Customer service at 1-800-555-5455.

We recommend you print any payment, vendor information or history that you may need for future reference from the The National Bank of North East Bill Payment system. Bill Payment information from the The National Bank of North East’s Bill Payment service will not be available to us or you after October 7, 2005.

ONLINE BANKING QUESTIONS AND ANSWERS

FNB Online Banking: fnb-online.com

Enjoy the easiest, most convenient banking you’ve ever known! With FNB Online Banking, you can bank securely on your schedule from anywhere you have Internet access! Try a demo today.

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24-Hour Telephone Banking

With telephone banking, you can access your account information 24 hours a day, 7 days a week! Your information is secure, protected by your unique Personal Identification Number (PIN). To enjoy the benefits, call 1-800-817-8787.

Q. Will I still have access to account information and have the ability to transfer funds through Telephone Banking?

A. Yes, First National Bank’s Telephone Banking system can be accessed by using any touch tone telephone The first time you call First National Bank’s Telephone Banking system at 1-800-817-8787, please have your account number and the last four digits of your social security number available. You will need this information to access the system.

Please note: First National Bank’s Telephone Banking System is not voice activated. You must have a touch tone telephone to use the system. If you have questions or require assistance, please contact First National Bank’s Customer Service at 1-800-555-5455.

Q. Q. What if I don t have access to an account through First National Bank’s Telephone Banking system that I had access to through The National Bank of North East Telephone Banking system?

A. A. We will do our best to assure you have access to the same accounts through First National Bank’s Telephone Banking system that you accessed through The National Bank of North East’s Telephone Banking system. If you are unable to access an account, please contact First National Bank’s Customer Service at 1-800-555-5455 for assistance.account, please contact First National Bank’s Customer Service at 1-800-555-5455.

TELEPHONE BANKING QUESTIONS AND ANSWERS

First National Bank’s Customer Service is available:

Monday - Friday 8:00 AM - 8:00 PM

Saturday 8:00 AM - 5:00 PM Phone - 1-800 555-5455

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CUSTOMER PRIVACY POLICY

We recognize the sensitive nature of your personal financial information and take precautions to protect your privacy. When you entrust us with your financial information, you can be certain it will be used within our guidelines.

While information is the cornerstone of our ability to provide superior service, our most important asset is our customer trust. We are committed to your right to have your personal financial information remain private and secure. Therefore, we have adopted this Privacy Policy. This Policy explains what types of information we collect, how we use it, and under what circumstances we may share it. We want you to know that we use information we know about you responsibly to:

• provide you with the services you have requested. • offer you other bank products and services.

• alert you to financial products and services made available by our carefully selected marketing partners. This Policy covers Customer Information, which means personally identifiable information about a consumer or a consumer’s current or former relationship with us.

We do not sell customer information to any third parties; therefore you do not have to take any action to prevent us from selling your information.

Collection and Use

We collect and use only the personal information about you that is necessary to provide superior customer service, maintain and administer your account, and to provide financial services that are of interest to you. Generally, the information we gather about customers is provided directly by you. Additional information may be gathered from outside sources such as public records, market research and credit reports. We use this information only in accordance with the principles set out in this Policy. The type of information we collect and use is:

Application Information – Information we receive from you on applications or other forms, such as your name, address, Social Security number, assets, or income;

Transaction and Experience Information – Information about your transactions with us, such as your account balance or payment history; Third-Party Information – Information obtained from specialized marketing information firms, such as household demographics; and Consumer Reporting Information – Information we receive from consumer reporting agencies and others, such as your creditworthiness

and credit history.

Accuracy

We continually strive to ensure that the information we maintain about you is complete and accurate. You have the right to notify us if you believe we have reported inaccurate information about you or your account to any consumer reporting agency. Notices should be sent in writing and include your complete name, current address, Social Security number, telephone number, account number, type of account, specific item in dispute and the reason why you believe the information reported is in error. Send your notice to: F.N.B. Technology Center • Attn: Privacy Department

4140 East State Street • Hermitage, Pennsylvania 16148-3487

We will investigate your concerns and correct any inaccuracies and confirm our actions to you.

Confidentiality and Security

We will allow employees to access information about you when that access is necessary to maintain your accounts, service your needs, or perform other required activities. We educate our employees about the importance of confidentiality and customer privacy. Additionally, our employees are governed by a Code of Ethics that includes the responsibility to protect the confidentiality of each customer’s personal information. We maintain physical, electronic and procedural safeguards to guard your nonpublic personal information.

Even if you are no longer our customer, we will continue to treat your nonpublic personal information in the same way as if you were still a customer. In addition, we maintain physical, electronic and procedural safeguards to guard this personal information.

MANAGING INFORMATION FOR YOUR CONVENIENCE

The information we share helps us bring you greater convenience and more choices. We limit who receives customer information and what type of information is shared as described below.

Sharing Customer Information with Affiliates

We are a diversified financial services holding company operating community banks, insurance agencies, a consumer finance company and First National Trust Company with locations in Ohio, Pennsylvania, and Tennessee. We can serve you more efficiently by sharing information among our affiliates.

Sharing Information with Outside Service Providers

We may disclose the above listed types of information to companies that perform marketing services on our behalf, with whom we have joint marketing agreements, or that work for us in providing our products and services to you.

Medical Information

We occasionally receive medical information about a customer; for example, if a customer applies for insurance from us. We will not share medical or health information except as necessary to maintain accounts, process transactions or provide services the customer has requested or initiated.

Information Disclosed in Other Circumstances

We may disclose any of the above listed types of information to credit bureaus or other similar reporting agencies. If you are involved in litigation with a third party, we may be ordered to provide information to a court or other litigant. In these circumstances, we will only disclose the specific information required by law in connection with the subpoena or court order.

Affiliates

If you are also a customer of any of our affiliates (listed on back) and you receive a notice of that affiliate’s intent to share certain information about you with others, you will need to separately notify the particular affiliate if you do not want that information shared.

Keeping Up-to-date with Our Privacy Policy

We will provide notice of our Privacy Policy annually, as long as you maintain an ongoing relationship with us. We reserve the right to change this Privacy Policy at any time. You will be advised of any changes. You can always review our current Policy by contacting us for a copy at 1-800-555-5455.

Telephone Solicitation

You may request to be excluded from telephone solicitations by us and third party providers working with us. If you do not wish to receive such telephone solicitations, inform the person calling you and you will be placed on a list of people that will not be solicited by phone, or you may call the Customer Service Center of F.N.B. at 1-800-555-5455 or write to us at:

F.N.B. Technology Center • Attn: Privacy Department 4140 East State Street • Hermitage, Pennsylvania 16148-3487

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Where to Find out More

If you have questions, concerns, or comments about our privacy practices or the way your information is maintained and used, we’d like to hear from you. Please call or write us at:

F.N.B. Technology Center • Attn: Privacy Department 4140 East State Street • Hermitage, Pennsylvania 16148-3487 Phone: 1-800-555-5455

YOUR OPPORTUNITY TO CHOOSE HOW YOUR INFORMATION IS USED Affiliates

By sharing information among our group of affiliates, it is our intention to provide you with a full array of financial services specifically tailored to meet your needs or to save you time if you decide to open an account with one of our other companies. If you do not want us to share nonpublic information about you with our affiliates, you may opt out of those disclosures by checking the box on the form below. This election will additionally limit our affiliates from marketing their products or services to you. However, this limitation does not apply in certain circumstances, such as if you currently do business with one of our affiliates or if you ask to receive information or offers from them.

Third Parties

By sharing information with outside vendors, we may be able to introduce you to a new financial service not available through one of our affiliates. However, if you do not want us to share your information with third party vendors (other than that permitted by law, i.e. to process your transaction and prevent fraud), you may opt out of those disclosures by checking the box below. Please note that you may still receive mailings if your information was permissibly shared prior to processing your opt out or if the mailings can be provided without violating your opt out request.

You should also know that even if you opt out of information disclosure, various federal laws allow us to share with our affiliates and other companies specific details about your transactions and experience with us, including information about your account balances or payment history. If you desire us to continue to serve you in the manner in which you have become accustomed, and continue to share information as stated in this policy, you do not have to take any action. You may contact us at any time to change your elections.

If you have previously opted out, you do not need to do so again. Please detach the bottom portion of this panel and mail to the address listed below to opt out of information disclosure.

My Elections (Your election will also apply to any joint account owner) Information provided to our affiliates

I do not want you to share the types of information you collect with your affiliates. I understand by law you are still allowed to share Transaction and Experience Information.

Information provided to Third Parties

I do not want you to share the types of information you collect with third parties for marketing purposes. I understand by law you are still allowed to share Transaction and Experience Information.

Please provide your account number exactly as it appears on your statement. Account Number: ___________________________________________ Please print your name and address exactly as it appears on your statement.

Last Name/First Name ________________________________________________________________ Address ________________________________________________________________ City/State/Zip Code ________________________________________________________________ DATE: ______________ ______________________________________________

CUSTOMER SIGNATURE Mail to: F.N.B. Technology Center

Attn: Privacy Department 4140 East State Street

Hermitage, Pennsylvania 16148-3487

Our Family of Companies

These Policies apply to the following affiliates as of September 1, 2004:

Community Banks Wealth Management

First National Bank of Pennsylvania (PA, OH) First National Trust Company (PA)

First National Investment Services Company (PA, OH) F.N.B Investment Advisors, Inc. (PA)

Consumer Finance Insurance

Regency Finance Company (PA, OH, TN) First National Insurance Agency, Inc. (PA)

Divisions: Division:

Finance and Mortgage Acceptance Corporation (TN) Morrell, Butz and Junker, Inc. (PA) F.N.B. Consumer Discount Company (PA) Penn-Ohio Life Insurance Co. (AZ) Citizens Financial Services, Inc. (OH)

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Expect more from our extended

family of financial services.

Banking

We’re proud of the breadth and depth of services we offer to our customers. You’ll find customer-focused innovations like Mortgage by Morning™ 24 hour pre-qualification and FNB Online, allowing you to bank the way

that suits you best. Also, our Lifestyle 50

Banking offers a complete line of exclusive benefits for customers age

fifty or over. • Free Checking

• Mortgage by Morning™ • Certificates of Deposit • Money Market Accounts • Home Equity Loans and

Lines of Credit • FNB Online Banking • Telephone Banking • Lifestyle 50 Banking • Business and Commercial

Loans and Checking • WorkPlace Banking

Investments

First National Bank

offers much more than traditional banking services.

With some of the region’s leading investment planning services, we watch

closely over your portfolio. We provide one-on-one assistance

with planning your long-term financial security – and keep all of the information

within your easy reach, right in your

branch office. • Mutual Funds • Stocks and Bonds • 401 (k) and 403 (b) Plans • Individual Retirement Accounts • Estate Planning • Retirement Planning • Tax Strategies

Not FDIC Insured • Not Deposits of Obligations of the Financial Institution • Not Guaranteed by the Institution or by Any Other Government Agency • Subject to Investment Risks, Including

Possible Loss of Principle Investments Securities and variable insurance contracts are offered through INVEST and affiliated Insurance agencies. Other insurance products are offered through First National Investment Services Company, a licensed insurance agency, and are

issued through various Insurance companies. INVEST Financial Corporation (INVEST), member NASD/SIPC, a registered broker dealer,

is not affiliated with First National Investment Service Company, First National Trust Company

or F.N.B. Investment Advisors, Inc.

Insurance

We’re just as valuable a resource

when it comes to your insurance needs. You have a full-service independent

insurance agency at your disposal, providing personal and business coverage

from such trusted names as Kemper, Pennsylvania National

Mutual, Progressive, Travelers, Highmark

Blue Cross/Blue Shield and many other insurers. • Group Health, Life and

Disability

• Business Owner Policies • Key Person Life • Split Dollar Plans • Voluntary Benefits • Business Insurance

Not a Deposit • Not FDIC Insured Not Insured by Any Other Federal Gov’t Agency • Not Guaranteed by the Bank

• May Go Down in Value Insurance Products are offered through

First National Insurance Agency, a licensed insurance agency, and are issued by various life insurance companies.

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Allegheny County, PA Duncan Manor Fox Chapel Franklin Park Hampton Township McCandless Moon Township Mount Oliver Natrona Heights North Avenue Pine Creek Pittsburgh North Side Ross Park South Side Tarentum West View Armstrong County, PA Kittanning Rural Valley Beaver County, PA Beaver Chippewa Koppell New Brighton Northern Lights 18th Street Bedford County, PA Bedford East Penn Street Everett

North Richard Street Schellsburg Blair County, PA Hollidaysburg Plank Road Butler County, PA Cranberry Harrisville Plaza Portersville Prospect Sarver Seven Fields Slippery Rock Cambria County, PA Benscreek Cambria City Conemaugh Cresson East Hills Ebensburg Galleria Geistown Giant Eagle Hastings Johnstown Morrellville Moxham Northern Cambria Route 22 Vinco Walnut Street Westmont Crawford County, PA Cochranton Conneautville Conneaut Lake Meadville Spartansburg Vernon Township Erie County, PA Airport Corry Girard Grandview Harborcreek Millcreek

North East Drive-Up North East Main West Ridge State Street Summit West Erie Plaza

Fayette County, PA Cherry Tree Giant Eagle Indian Head Old Trails Uniontown Geauga County, OH Chardon Chesterland Green County, PA Dry Tavern Waynesburg Indiana County, PA Clymer Lake County, OH Mentor Lawrence County, PA Call’s Plaza Laurel Neshannock New Castle New Wilmington Mahoning County, OH Austintown Boardman Campbell Federal Plaza Market Street Mercer County, PA Farrell Greenville

Grove City - Broad St. Grove City - Pine Grove Hadley Road Hermitage Square Hickory Plaza Jamestown Reynolds Sharon Sharpsville Sheakleyville West Middlesex Somerset County, PA Berlin Boswell Confluence Davidsville Garrett Meyersdale New Centerville Rockwood Salisbury Somerset Somerset East Stoystown Windber Trumbull County, OH Brookfield Hubbard Liberty Venango County, PA Franklin Oil City Washington County, PA Peters Township Westmoreland County, PA Avonmore Circleville Foodland Fresh Fort Allen Herminie Latrobe Ligonier Lower Burrell New Florence New Kensington North Main North Washington Redstone Highland Redstone Huntingdon Rostraver Shop ‘n Save South Greensburg Stonehouse Unity Township West Point BRANCH LOCATIONS BY COUNTY

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3320 East State Street Hermitage, PA 16148

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Important Information:

Date of merger: Monday, October 8, 2005

Access to your accounts is as easy as

one, two, three

Free Internet Banking and Bill Payment at www.fnb-online.com Enjoy the easiest, most convenient banking you’ve ever known! With FNB Online Banking, you can bank securely on your schedule from anywhere you have Internet access! First National Bank’s Telephone Banking System

1-800-817-8787

With telephone banking, you can access your account information 24 hours a day, 7 days a week!

First National Bank’s Customer Service Center 1-800-555-5455

Customer Service Representatives are available Monday-Friday 8:00 AM to 8:00 PM and Saturday 8:00 AM to 5:00 PM to help answer any questions or concerns you may have.

Please tear off and keep for future reference.

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C O U P O N

Both The National Bank of North East and First National Bank of Pennsylvania are proud sponsors of the 2005 Wine Country Harvest Festival.

Just bring this coupon

into any current branch

office of The National Bank of North

East and we will be more than happy to

exchange it for two free tickets to the

2005 Wine Country Harvest Festival

being held in North East, PA on

September 23, 24 and 25, 2005. These

free tickets are being offered to not

only welcome you to First National Bank

of Pennsylvania, but also for your

patience and loyalty during the merger.

Just bring this coupon

into any current branch

office of The National Bank of North

East and we will be more than happy to

exchange it for two free tickets to the

2005 Wine Country Harvest Festival

being held in North East, PA on

September 23, 24 and 25, 2005. These

free tickets are being offered to not

only welcome you to First National Bank

of Pennsylvania, but also for your

patience and loyalty during the merger.

References

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