FNB EARNS “OUTSTANDING” CRA RATING

All written comments received from the public for the current year and each of the prior two calendar years that specifically relate to the bank’s performance in helping to meet community credit needs, and any response to the comments by the bank.

No written comments have been received.

A copy of the bank’s most recent CRA Performance Evaluation.

CRA Performance Evaluation

A list of the bank’s branches, their street addresses, and geographies, as well as a list of services (including hours of operation and transaction fees).

List of Branches, Hours, and Services

Schedule of Fees

A list of branches opened or closed by the bank during the current year and each of the prior two calendar years, their street addresses, and census tracts.

Branches Opened or Closed

A map of the bank’s assessment area showing the boundaries of the area and the census tracts contained within the area.

Map of Assessment Area

Census Tracts Within Assessment Area

The institution’s loan-to-deposit ratio for each quarter of the prior calendar year.

Loan-to-Deposit Ratio

The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s Web site (www.consumerfinance.gov/hmda).