F.N.B. Corporation Reports First Quarter 2013 Net Income of $28.5 Million or $0.20 Per Share

 F.N.B. Corporation Reports First Quarter 2013 Net Income of $28.5 Million or
                               $0.20 Per Share

PR Newswire

HERMITAGE, Pa., April 23, 2013

HERMITAGE, Pa., April 23, 2013 /PRNewswire/ -- F.N.B. Corporation (NYSE: FNB)
today reported first quarter 2013 results. Net income for the first quarter of
2013 was $28.5 million, or $0.20 per diluted share, compared with first
quarter of 2012 net income of $21.6 million, or $0.15 per diluted share, and
fourth quarter of 2012 net income of $29.0 million, or $0.21 per diluted
share.

Vincent J. Delie, Jr., President and Chief Executive Officer, commented on the
results, "FNB had a very productive quarter and a great start to the new year.
Favorable first quarter operating trends include continued growth in loans and
low-cost transaction deposits, a stable net interest margin and very good
credit quality results. Average loan growth of 7% annualized reflects
contributions from both the commercial and consumer portfolios, with overall
results driven by C&I lending. We have a talented team and have made
significant investments in our sales management system, leading to another
quarter of organic growth."

Mr. Delie added, "In addition to delivering solid performance, our team is
engaged in a variety of initiatives that strengthen FNB's positioning for the
future. Our focus on executing an electronic delivery strategy has enabled us
to provide our clients with leading-edge mobile and online banking
capabilities. The most recent enhancements to our suite of electronic banking
options include mobile remote deposit capture and comprehensive online
budgeting tools, both of which have been met with very positive feedback from
our clients. Over 40,000 customers currently use the FNB mobile app and we
expect continued growth throughout the year."

Mr. Delie continued, "On April 6, 2013, the integration of Annapolis Bancorp,
Inc. was completed and we welcomed their shareholders, employees and clients
to FNB. With experienced regional leadership in place and a highly dedicated
team of bankers joining us, we are well-positioned to benefit from the
opportunities that exist in the Maryland market."

First Quarter 2013 Highlights

  oNet income of $28.5 million or $0.20 per diluted share, represents a
    record high first quarter net income and a 5% increase in adjusted
    earnings per diluted share compared to the prior-year quarter.[1]
  oThe net interest margin of 3.66% was the same as the prior quarter.
  oLoan growth momentum continued, with average loans growing $140.8 million,
    or 7.1% annualized, on a linked-quarter basis, and $410.9 million, or
    5.3%, on a year-over-year basis.
  oLinked-quarter average loan growth:

       oAverage commercial loans grew $115.9 million, or 10.8% annualized,
         driven by growth in the average commercial and industrial (C&I)
         portfolio of $89.2 million
       oAverage consumer loans grew $37.9 million, or 6.1% annualized

  oYear-over-year average loan growth:

       oAverage commercial loans grew $294.6 million, or 7.1%, driven by
         growth in the average C&I portfolio of $249.1 million
       oAverage consumer loans grew $231.2 million, or 9.9%

  oGrowth in relationship-based deposit accounts continued. Average
    transaction deposits and customer repurchase agreements grew $48.1
    million, or 2.6% annualized, on a linked-quarter basis, and $658.3
    million, or 9.7%, compared to the prior-year quarter.
  oThe efficiency ratio was 59.8%, seasonally higher on a linked-quarter
    basis and slightly improved from the prior-year quarter.
  oCredit quality metrics reflect consistent, stable results. Non-performing
    loans and other real estate owned (OREO) as a percentage of total
    originated loans and OREO decreased slightly to 1.59%. Net charge-offs
    were 0.22% annualized of total average originated loans compared to 0.45%
    annualized in the linked quarter.

Non-operating items included in each respective quarter were as follows: The
first quarter of 2013 and the first quarter of 2012 included after-tax merger
and severance costs of $0.2 million, or less than $0.01 per diluted share, and
$4.9 million or $0.04 per diluted share, respectively. Fourth quarter 2012 net
income included litigation settlement costs of $2.0 million (after-tax) and
branch consolidation costs of $1.2 million (after-tax), which on a combined
basis reduced earnings by $0.02 per diluted share.

F.N.B. Corporation's performance ratios for the first quarter of 2013 were as
follows: return on average tangible equity (non-GAAP measure) was 17.32%;
return on average equity was 8.20%; return on average tangible assets
(non-GAAP measure) was 1.07% and return on average assets was 0.96%.
Reconciliations of non-GAAP measures used in this press release to their most
directly comparable GAAP measures are included in the accompanying tables.

First Quarter 2013 Results – Comparison to Prior-Year Quarter
(All comparisons refer to the first quarter of 2012, except as noted)

Net Interest Income/Loans/Deposits

Net interest income on a fully taxable equivalent basis totaled $94.8 million,
increasing $2.0 million or 2.2%. The net interest margin narrowed 8 basis
points to 3.66%. The benefits to the net interest margin from strong growth in
average loans and lower cost transaction deposit and customer repurchase
agreements, as well as a lowered cost of funds, were offset by lower yields on
earning assets in response to the extended low interest rate environment.
Average earning assets grew $502.3 million, or 5.0%, and primarily reflect
strong loan growth results.

Average loans grew $410.9 million, or 5.3%, with growth in both the commercial
and consumer portfolios. The commercial portfolio grew $294.6 million, or
7.1%, driven by C&I growth of $249.1 million. Commercial leases also
contributed $17.2 million in average growth. Average consumer loans
(consisting of direct, consumer lines of credit and indirect loans) grew
$231.2 million, or 9.9%.

Total average deposits and customer repurchase agreements grew $338.1 million,
or 3.5%, with strong growth in relationship-based transaction deposits and
customer repurchase agreements partially offset by the continued planned
decline in time deposits. Lower cost, relationship-based transaction deposits
and customer repurchase agreements grew $658.3 million or 9.7%, while time
deposits declined $320.2 million or 11.4%. Loans as a percentage of total
deposits and customer repurchase agreements increased to 82% at March 31,
2013, compared to 80% at March 31, 2012.

Non-Interest Income

Non-interest income totaled $33.7 million, increasing $1.9 million or 6.1%.
The first quarter of 2013 results reflect positive trends in the wealth
management and insurance business lines, increased mortgage-related revenue
and lower service charge revenue. Wealth management revenue totaled $7.0
million, increasing $1.3 million, or 22.0%, benefiting from additions to the
sales team, enhanced sales management processes and scorecard implementation
and improved market conditions. Insurance commissions and fees totaled $4.4
million, increasing $0.3 million or 6.2%, reflecting early-stage benefits of
revenue-enhancing initiatives. Gain on sale of loans totaled $1.0 million,
increasing $0.2 million due to increased origination volume. Service charges
totaled $16.5 million and declined $0.6 million, or 3.7%, primarily reflecting
lower volume due to changes in customer behavior.

Non-Interest Expense

Non-interest expense totaled $78.9 million, declining $7.8 million, or 9.0%.
The decrease in non-interest expense reflects $6.6 million of lower
merger-related costs, $1.4 million of lower OREO costs and $0.7 million of
lower personnel costs partially offset by increased other costs, including
higher FDIC insurance. The efficiency ratio improved slightly to 59.8% from
60.4%.

Credit Quality

Credit quality for the first three months of 2013 reflects overall positive
trends compared to the first three months of 2012. Charge-off performance
continued to be good, with net charge-offs for the first quarter of 2013
totaling $4.2 million, or 0.21% annualized, improving from $5.1 million, or
0.27% annualized, reflecting overall favorable credit performance. Net
charge-offs for the originated portfolio totaled $4.0 million, or 0.22%
annualized compared to $5.1 million, or 0.32% annualized.

The ratio of the allowance for loan losses to total loans was 1.31% at March
31, 2013, consistent with 1.31% at March 31, 2012. The ratio of the allowance
for loan losses to total originated loans was 1.39%, compared to 1.55% at
March 31, 2012, with the decrease directionally consistent with the overall
positive credit performance as well as reserves to support the solid loan
growth. The ratio of the allowance for loan losses to total non-performing
loans improved to 125% compared to 93% at March 31, 2012. The provision for
loan losses equaled $7.5 million, compared to $6.6 million, with the increase
primarily reflecting $1.2 million in provision for loan losses for the
acquired portfolio.

The ratio of non-performing loans and OREO to total loans and OREO improved 44
basis points to 1.43%. For the originated portfolio, the ratio of
non-performing loans and OREO to total originated loans and OREO improved 63
basis points to 1.59%. Total delinquency (total past due and non-accrual
loans) to total originated loans improved 58 basis points to 1.45% at March
31, 2013.

First Quarter 2013 Results – Comparison to Prior Quarter
(All comparisons refer to the fourth quarter of 2012, except as noted)

Net Interest Income/Loans/Deposits

Net interest income on a fully taxable equivalent basis totaled $94.8 million
in the first quarter of 2013, compared to $95.7 million in the prior quarter.
The net interest margin was stable, equaling 3.66% for both the first quarter
of 2013 and the fourth quarter of 2012. The stable net interest margin
primarily reflects the benefits of continued strong loan growth and an
improved cost of funds resulting from a combination of deposit pricing actions
and continued favorable movement in deposit mix. These benefits were partially
offset by fewer days in the quarter, lower accretable yield related to
acquired loans and lower earning asset yields given the current interest rate
environment. Accretable yield totaled $1.3 million in the first quarter of
2013, compared to $2.6 million in the fourth quarter of 2012. Average earning
assets grew $52.7 million, or 2.1% annualized, reflecting strong loan growth,
a stable investment portfolio and a decline in average balances invested on an
overnight basis.

Average loans totaled $8.2 billion and grew $140.8 million, or 7.1%
annualized, representing the fifteenth consecutive quarter of total organic
loan growth. Both the commercial and consumer portfolios achieved growth, with
the most significant contributor being growth in the C&I portfolio. The
commercial portfolio grew $115.9 million, or 10.8% annualized, with strong
growth of $89.2 million in the C&I portfolio. Average consumer loans
(consisting of direct, consumer lines of credit and indirect loans) grew $37.9
million, or 6.1% annualized. The positive consumer loan results reflect growth
in home equity-related loans (direct loans and consumer lines of credit)
through a continued focus across FNB's branch network to strengthen market
share and capitalize on consumer preferences for these products

Total average deposits and customer repurchase agreements totaled $9.9 billion
and declined $36.4 million, or 1.5% annualized, as solid growth in lower cost,
relationship-based accounts was offset by a continued planned decline in time
deposits. Average transaction deposits and customer repurchase agreements grew
$48.1 million, or 2.6% annualized, and represent 75% of total deposits and
customer repurchase agreements at March 31, 2013. First quarter growth levels
for transaction deposits and customer repurchase agreements are typically
impacted by seasonal fluctuations in business and municipal balances. Time
deposits declined $84.5 million, or 13.3% annualized, reflecting the lower
offered rate environment. Loans as a percentage of total deposits and customer
repurchase agreements remained consistent at 82% at March 31, 2013.

Non-Interest Income

Non-interest income totaled $33.7 million, increasing $1.5 million or 4.8%.
The first quarter results reflect positive trends in the wealth management and
insurance business lines, consistent mortgage-related revenue and seasonally
lower service charge revenue. Wealth management revenue totaled $7.0 million,
increasing $0.9 million, or 14.3%, benefiting from additions to the sales
team, enhanced scorecards and sales management processes, and improved market
conditions. Insurance commissions and fees totaled $4.4 million, increasing
$0.6 million, or 16.8%, as a result of annual contingent fee revenues received
in the first quarter. Service charges totaled $16.5 million and declined $1.1
million, or 6.3%, reflecting seasonally lower volume compared to fourth
quarter levels and changes in customer behavior. Other non-interest income in
the fourth quarter of 2012 included $1.7 million accrued for expected losses
on asset disposals related to the completed consolidation of twenty branch
locations and $0.9 million in recoveries on previously-impaired acquired
loans.

Non-Interest Expense

Non-interest expense totaled $78.9 million, increasing $2.3 million, or 3.0%.
The increase in non-interest expense primarily reflects expected seasonal
effects normally experienced during the initial quarter of the calendar year.
In addition, the quarter includes higher marketing costs, FDIC insurance and
the comparative impact of the OREO net gain included in the prior quarter.
Seasonal influences include personnel costs, which increased $2.9 million, or
7.2%, primarily reflecting normal first quarter increases in employee taxes,
and occupancy and equipment expense, which increased $0.5 million, or 4.4%,
due to weather-related effects. OREO expense was $0.2 million, compared to a
credit of $0.6 million in the fourth quarter of 2012 due to a $1.5 million
recovery on a property sale in the fourth quarter. Marketing expenses
increased $0.7 million primarily due to first quarter promotional campaigns
for online and mobile banking enhancements. The first quarter of 2013 also
included $0.4 million in merger-related costs and the fourth quarter of 2012
included $3.0 million in litigation settlement costs. The efficiency ratio was
59.8%.

Credit Quality

Credit quality for the first quarter of 2013 reflects consistent, stable
results and continued solid performance. The provision for loan losses equaled
$7.5 million, compared to $9.3 million. Charge-off performance continued to be
good, with net charge-offs for the first quarter totaling $4.2 million, or
0.21% annualized, improving from $7.6 million, or 0.38% annualized. Net
charge-offs for the originated portfolio totaled $4.0 million, or 0.22%
annualized, compared to $7.7 million, or 0.45% annualized. The improved net
charge-off results reflect good overall credit performance and slightly higher
recoveries.

The ratio of the allowance for loan losses to total loans was 1.31% at March
31, 2013, a slight increase of 3 basis points primarily reflecting provision
for loan losses of $1.2 million for the acquired portfolio. The ratio of the
allowance for loan losses to total originated loans increased by 1 basis point
to 1.39%. The ratio of the allowance for loan losses to total non-performing
loans was 125%, compared to 124% at December 31, 2012.

The ratio of non-performing loans and OREO to total loans and OREO was 1.43%,
increasing by 1 basis point over the prior quarter. For the originated
portfolio, the ratio of non-performing loans and OREO to total originated
loans and OREO improved slightly to 1.59%. Total delinquency (total past due
and non-accrual loans) to total originated loans improved 19 basis points to
1.45% at March 31, 2013.

Capital Position

The Corporation's capital levels at March 31, 2013 continue to exceed federal
bank regulatory agency "well capitalized" thresholds. Estimated regulatory
capital ratios at March 31, 2013 were stable or improved compared to December
31, 2012 ratios. At March 31, 2013, the estimated total risk-based capital
ratio remained at 12.2%, the estimated tier 1 risk-based capital ratio
remained at 10.7%, and the leverage ratio increased to 8.40% from 8.29%.

At March 31, 2013, the tangible equity to tangible assets ratio (non-GAAP
measure) increased 13 basis points to 6.22% and the tangible book value per
share (non-GAAP measure) increased to $5.00 from $4.92.

The dividend payout ratio for the first quarter of 2013 was 59%, consistent
with the prior quarter.

Other Notable Items

On April 6, 2013, FNB completed its merger with Annapolis Bancorp, Inc. The
acquisition of Annapolis Bancorp, Inc. provided FNB with an additional $435
million in total assets, $270 million in loans, $360 million in deposits and 8
banking offices in Anne Arundel and Queen Anne's Counties, Maryland.

On February 19, 2013, FNB announced the signing of a definitive merger
agreement pursuant to which F.N.B. Corporation will acquire PVF Capital Corp.
As of December 31, 2012, PVF Capital Corp. had assets of approximately $782
million and 16 banking offices in the Greater Cleveland, Ohio area. As a
result of the transaction, F.N.B. Corporation will expand its Cleveland
presence and have a pro-forma top fifteen deposit market share in the
Cleveland, Ohio metropolitan statistical area.

Conference Call

F.N.B. Corporation will host its quarterly conference call to discuss first
quarter 2013 financial results on Wednesday, April 24, 2013 at 10:00 a.m.
Eastern Time. Participating callers may access the call by dialing (888) 452
4023 or (719) 325-2495 for international callers; the confirmation number is
4511889. The Webcast and presentation materials may be accessed through the
"Shareholder and Investor Relations" section of the Corporation's Web site at
www.fnbcorporation.com.

A replay of the call will be available from 1:00 p.m. Eastern Time the day of
the call until midnight Eastern Time on Wednesday, May 1, 2013. The replay is
accessible by dialing (877) 870-5176 or (858) 384-5517 for international
callers; the confirmation number is 4511889. The call transcript and Webcast
will be available on the "Shareholder and Investor Relations" section of
F.N.B. Corporation's Web site at www.fnbcorporation.com.

About F.N.B. Corporation

F.N.B. Corporation (NYSE: FNB), headquartered in Hermitage, Pennsylvania, is a
regional diversified financial services company operating in six states and
threemajor metropolitan areas including Pittsburgh, PA, where it holds the
number three retail deposit market share,Baltimore, MD and Cleveland, OH. The
Company has total assets of $12.4 billion (including the recently completed
acquisition of Annapolis Bancorp, Inc.) and more than 250 banking offices
throughout Pennsylvania, Ohio, West Virginia and Maryland. F.N.B. provides a
full range of commercial banking, consumer banking and wealth management
solutions through its subsidiary network which is led by its largest
affiliate, First National Bank of Pennsylvania. Commercial banking solutions
include corporate banking, small business banking, investment real estate
financing, asset based lending, capital markets and lease financing. The
consumer banking segment provides a full line of consumer banking products and
services including deposit products, mortgage lending, consumer lending and a
complete suite of mobile and online banking services. F.N.B.'s wealth
management services include asset management, private banking and insurance.
The Company also operates Regency Finance Company, which has more than 70
consumer finance offices in Pennsylvania, Ohio, Kentucky and Tennessee.

The common stock of F.N.B. Corporation trades on the New York Stock Exchange
under the symbol "FNB" and is included in Standard & Poor's SmallCap 600 Index
with the Global Industry Classification Standard (GICS) Regional Banks
Sub-Industry Index. Customers, shareholders and investors can learn more about
this regional financial institution by visiting the F.N.B. Corporation web
site at www.fnbcorporation.com.

Cautionary Statement Regarding Forward-looking Information

We make statements in this press release and related conference call, and may
from time to time make other statements, regarding our outlook for earnings,
revenues, expenses, capital levels, liquidity levels, asset levels, asset
quality and other matters regarding or affecting F.N.B. Corporation and its
future business and operations that are forward-looking statements within the
meaning of the Private Securities Litigation Reform Act. Forward-looking
statements are typically identified by words such as "believe," "plan,"
"expect," "anticipate," "see," "look," "intend," "outlook," "project,"
"forecast," "estimate," "goal," "will," "should" and other similar words and
expressions. Forward-looking statements are subject to numerous assumptions,
risks and uncertainties, which change over time.

Forward-looking statements speak only as of the date made. We do not assume
any duty and do not undertake to update forward-looking statements. Actual
results or future events could differ, possibly materially, from those
anticipated in forward-looking statements, as well as from historical
performance.

Our forward-looking statements are subject to the following principal risks
and uncertainties:

  oOur businesses, financial results and balance sheet values are affected by
    business and economic conditions, including the following:

       oChanges in interest rates and valuations in debt, equity and other
         financial markets.
       oDisruptions in the liquidity and other functioning of U.S. and global
         financial markets.
       oActions by the Federal Reserve, U.S. Treasury and other government
         agencies, including those that impact money supply and market
         interest rates.
       oChanges in customers', suppliers' and other counterparties'
         performance and creditworthiness which adversely affect loan
         utilization rates, delinquencies, defaults and counterparty ability
         to meet credit and other obligations.
       oSlowing or failure of the current moderate economic recovery and
         persistence or worsening levels of unemployment.
       oChanges in customer preferences and behavior, whether due to changing
         business and economic conditions, legislative and regulatory
         initiatives, or other factors.

  oLegal and regulatory developments could affect our ability to operate our
    businesses, financial condition, results of operations, competitive
    position, reputation, or pursuit of attractive acquisition opportunities.
    Reputational impacts could affect matters such as business generation and
    retention, liquidity, funding, and ability to attract and retain
    management. These developments could include:

       oChanges resulting from legislative and regulatory reforms, including
         broad-based restructuring of financial industry regulation; changes
         to laws and regulations involving tax, pension, bankruptcy, consumer
         protection, and other industry aspects; and changes in accounting
         policies and principles. We will continue to be impacted by
         extensive reforms provided for in the Dodd-Frank Wall Street Reform
         and Consumer Protection Act and otherwise growing out of the recent
         financial crisis, the precise nature, extent and timing of which, and
         their impact on us, remains uncertain.
       oChanges to regulations governing bank capital and liquidity
         standards, including due to the Dodd-Frank Act and to Basel III
         initiatives.
       oImpact on business and operating results of any costs associated with
         obtaining rights in intellectual property, the adequacy of our
         intellectual property protection in general and rapid technological
         developments and changes. Our ability to anticipate and respond to
         technological changes can also impact our ability to respond to
         customer needs and meet competitive demands.

  oBusiness and operating results are affected by our ability to identify and
    effectively manage risks inherent in our businesses, including, where
    appropriate, through effective use of third-party insurance, derivatives,
    swaps, and capital management techniques, and to meet evolving regulatory
    capital standards.
  oIncreased competition, whether due to consolidation among financial
    institutions; realignments or consolidation of branch offices, legal and
    regulatory developments, industry restructuring or other causes, can have
    an impact on customer acquisition, growth and retention and on credit
    spreads and product pricing, which can affect market share, deposits and
    revenues.
  oAs demonstrated by our Annapolis Bancorp, Inc. and PVF Capital Corp.
    acquisitions, we grow our business in part by acquiring from time to time
    other financial services companies, financial services assets and related
    deposits. These acquisitions often present risks and uncertainties,
    including, the possibility that the transaction cannot be consummated;
    regulatory issues; cost, or difficulties, involved in integration and
    conversion of the acquired businesses after closing; inability to realize
    expected cost savings, efficiencies and strategic advantages; the extent
    of credit losses in acquired loan portfolios and extent of deposit
    attrition; and the potential dilutive effect to our current shareholders.
    In addition, with respect to the acquisition of Annapolis Bancorp, Inc.,
    F.N.B. Corporation may experience difficulties in expanding into a new
    market area, including retention of customers and key personnel of
    Annapolis Bancorp, Inc. and its subsidiary BankAnnapolis.
  oCompetition can have an impact on customer acquisition, growth and
    retention and on credit spreads and product pricing, which can affect
    market share, deposits and revenues. Industry restructuring in the
    current environment could also impact our business and financial
    performance through changes in counterparty creditworthiness and
    performance and the competitive and regulatory landscape. Our ability to
    anticipate and respond to technological changes can also impact our
    ability to respond to customer needs and meet competitive demands.
  oBusiness and operating results can also be affected by widespread
    disasters, dislocations, terrorist activities or international hostilities
    through their impacts on the economy and financial markets.

We provide greater detail regarding some of these factors in our 2012 Form
10-K and 2012 Form 10-Qs, including the Risk Factors section of those reports,
and our subsequent SEC filings. Our forward-looking statements may also be
subject to other risks and uncertainties, including those we may discuss
elsewhere in this news release or in SEC filings, accessible on the SEC's
website at www.sec.gov and on our corporate website at
www.fnbcorporation.com. We have included these web addresses as inactive
textual references only. Information on these websites is not part of this
document.

[1] First quarter 2012 adjusted earnings per diluted share was $0.19, refer to
non-operating items detailed below and in the accompanying data tables.



DATA SHEETS FOLLOW



F.N.B. CORPORATION
(Unaudited)
(Dollars in thousands, except per share data)
                                                            1Q13 -    1Q13 -
                     2013         2012                      4Q12      1Q12
                     First        Fourth       First        Percent   Percent
Statement of         Quarter      Quarter      Quarter      Variance  Variance
earnings
Interest income     $105,118     $107,578     $107,287     -2.3      -2.0
Interest expense     12,022       13,660       16,366       -12.0     -26.5
 Net interest      93,096       93,918       90,921       -0.9      2.4
income
Taxable equivalent   1,741        1,798        1,901        -3.2      -8.4
adjustment
 Net interest      94,837       95,716       92,822       -0.9      2.2
income (FTE) (1)
Provision for loan   7,541        9,274        6,572        -18.7     14.7
losses
 Net interest
income after
provision            87,296       86,442       86,250       1.0       1.2

 (FTE)
Impairment losses on 0            (186)        0            n/m       n/m
securities
Non-credit related
losses on securities

 not expected to
be sold (recognized
in

                    0            93           0            n/m       n/m
othercomprehensive
income)
Net impairment       0            (93)         0            n/m       n/m
losses on securities
Service charges      16,531       17,636       17,165       -6.3      -3.7
Insurance            4,430        3,794        4,172        16.8      6.2
commissions and fees
Securities           2,923        2,252        2,011        29.8      45.4
commissions and fees
Trust income         4,085        3,880        3,734        5.3       9.4
Gain on sale of      684          3            108          n/m       n/m
securities
Gain on sale of      1,021        1,191        809          -14.3     26.2
loans
Other                3,999        3,464        3,746        15.5      6.8
 Total             33,673       32,127       31,745       4.8       6.1
non-interest income
Salaries and         43,905       40,964       44,606       7.2       -1.6
employee benefits
Occupancy and        12,190       11,676       11,792       4.4       3.4
equipment
Amortization of      1,986        2,243        2,281        -11.4     -12.9
intangibles
Other real estate    192          (631)        1,636        -130.4    -88.3
owned
Other                20,590       22,340       26,358       -7.8      -21.9
 Total             78,863       76,592       86,673       3.0       -9.0
non-interest expense
Income before income 42,106       41,977       31,322       0.3       34.4
taxes
Taxable equivalent   1,741        1,798        1,901        -3.2      -8.4
adjustment
Income taxes         11,827       11,224       7,839        5.4       50.9
 Net income        $28,538      $28,955      $21,582      -1.4      32.2
Earnings per share:
 Basic             $0.20        $0.21        $0.16        -4.8      25.0
 Diluted           $0.20        $0.21        $0.15        -4.8      33.3
Performance ratios
Return on average    8.20%        8.23%        6.42%
equity
Return on average
tangible equity (2)  17.32%       17.68%       14.65%
(4)
Return on average    0.96%        0.96%        0.75%
assets
Return on average
tangible assets (3)  1.07%        1.07%        0.86%
(4)
Net interest margin  3.66%        3.66%        3.74%
(FTE) (1)
Yield on earning     4.12%        4.18%        4.40%
assets (FTE) (1)
Cost of funds        0.56%        0.63%        0.77%
Efficiency ratio     59.76%       55.45%       60.42%
(FTE) (1) (5)
Effective tax rate   29.30%       27.94%       26.64%
Common stock data
Average basic shares 139,650,495  139,317,031  138,898,581  0.2       0.5
outstanding
Average diluted      141,066,190  140,923,088  140,386,625  0.1       0.5
shares outstanding
Ending shares        140,377,174  139,929,242  139,501,039  0.3       0.6
outstanding
Book value per share $10.07       $10.02       $9.71        0.5       3.7
Tangible book value  $5.00        $4.92        $4.59        1.6       8.9
per share (4)
Dividend payout      59.31%       58.51%       78.11%
ratio





F.N.B. CORPORATION
(Unaudited)
(Dollars in thousands)
                                                            1Q13 -    1Q13 -
                     2013         2012                      4Q12      1Q12
                     First        Fourth       First        Percent   Percent
Balance Sheet (at    Quarter      Quarter      Quarter      Variance  Variance
period end)
Assets
Cash and due from    $146,810     $216,233     $192,346     -32.1     -23.7
banks
Interest bearing     14,786       22,811       72,376       -35.2     -79.6
deposits with banks
 Cash and cash     161,596      239,044      264,722      -32.4     -39.0
equivalents
Securities available 1,164,327    1,172,683    1,097,801    -0.7      6.1
for sale
Securities held to   1,110,556    1,106,563    1,178,558    0.4       -5.8
maturity
Residential mortgage 25,871       27,751       11,618       -6.8      122.7
loans held for sale
Loans, net of        8,209,286    8,137,719    7,802,792    0.9       5.2
unearned income
Allowance for loan   (107,702)    (104,374)    (102,093)    3.2       5.5
losses
 Net loans         8,101,584    8,033,345    7,700,699    0.8       5.2
Premises and         134,889      140,367      146,406      -3.9      -7.9
equipment, net
Goodwill             675,555      675,555      670,519      0.0       0.8
Core deposit and
other intangible     35,865       37,851       43,657       -5.2      -17.8
assets, net
Bank owned life      252,763      246,088      236,753      2.7       6.8
insurance
Other assets         334,984      344,729      375,330      -2.8      -10.7
Total Assets         $11,997,990  $12,023,976  $11,726,063  -0.2      2.3
Liabilities
Deposits:
 Non-interest      $1,792,603   $1,738,195   $1,579,340   3.1       13.5
bearing demand
 Savings and NOW   4,974,539    4,808,121    4,706,748    3.5       5.7
 Certificates and  2,443,496    2,535,858    2,769,066    -3.6      -11.8
other time deposits
 Total Deposits 9,210,638    9,082,174    9,055,154    1.4       1.7
Other liabilities    133,324      163,151      144,094      -18.3     -7.5
Short-term           945,001      1,083,138    877,828      -12.8     7.7
borrowings
Long-term debt       91,738       89,425       90,308       2.6       1.6
Junior subordinated  204,032      204,019      203,980      0.0       0.0
debt
 Total             10,584,733   10,621,907   10,371,364   -0.3      2.1
Liabilities
Stockholders' Equity
Common stock         1,406        1,398        1,393        0.6       0.9
Additional paid-in   1,379,086    1,376,601    1,363,956    0.2       1.1
capital
Retained earnings    86,923       75,312       37,272       15.4      133.2
Accumulated other    (47,198)     (46,224)     (43,735)     2.1       7.9
comprehensive income
Treasury stock       (6,960)      (5,018)      (4,187)      38.7      66.2
 Total             1,413,257    1,402,069    1,354,699    0.8       4.3
Stockholders' Equity
Total Liabilities
and Stockholders'    $11,997,990  $12,023,976  $11,726,063  -0.2      2.3
Equity
Selected average
balances
Total assets         $12,004,759  $11,988,283  $11,563,665  0.1       3.8
Earning assets      10,473,093   10,420,397   9,970,829    0.5       5.0
Securities           2,254,387    2,255,702    2,094,803    -0.1      7.6
Interest bearing     30,071       116,885      98,265       -74.3     -69.4
deposits with banks
Loans, net of        8,188,635    8,047,810    7,777,761    1.7       5.3
unearned income
Allowance for loan   104,838      104,453      102,519      0.4       2.3
losses
Goodwill and         712,467      715,962      719,195      -0.5      -0.9
intangibles
Deposits and
customer repurchase  9,938,273    9,974,646    9,600,217    -0.4      3.5

 agreements (6)
Short-term           208,541      156,197      152,977      33.5      36.3
borrowings
Long-term debt       91,134       88,956       92,288       2.4       -1.3
Trust preferred      204,025      204,012      201,876      0.0       1.1
securities
Shareholders'        1,410,827    1,400,430    1,352,569    0.7       4.3
equity
Capital ratios
Equity / assets      11.78%       11.66%       11.55%
(period end)
Leverage ratio       8.40%        8.29%        8.06%
Tangible equity /
tangible assets
(period              6.22%        6.09%        5.82%

 end) (4)
Tangible equity,
excluding AOCI /

 tangible assets   6.64%        6.50%        6.21%
(period end) (4) (7)





F.N.B. CORPORATION
(Unaudited)
(Dollars in thousands)
                                                            1Q13 -    1Q13 -
                        2013        2012                    4Q12      1Q12
                        First       Fourth      First       Percent   Percent
Balances at period end  Quarter     Quarter     Quarter     Variance  Variance
Loans:
Commercial real estate $2,678,523  $2,707,046  $2,657,118  -1.1      0.8
Commercial and          1,710,798   1,602,314   1,451,144   6.8       17.9
industrial
Commercial leases       131,500     130,133     118,050     1.0       11.4
 Commercial loans and 4,520,821   4,439,493   4,226,312   1.8       7.0
leases
Direct installment      1,192,426   1,178,530   1,082,964   1.2       10.1
Residential mortgages   1,072,898   1,092,228   1,187,448   -1.8      -9.6
Indirect installment    574,121     582,037     563,929     -1.4      1.8
Consumer LOC            817,412     805,494     704,773     1.5       16.0
Other                   31,608      39,937      37,366      -20.9     -15.4
 Total loans          $8,209,286  $8,137,719  $7,802,792  0.9       5.2
Deposits:
Non-interest bearing    $1,792,603  $1,738,195  $1,579,340  3.1       13.5
deposits
Savings and NOW         4,974,539   4,808,121   4,706,748   3.5       5.7
Certificates of deposit
and other time          2,443,496   2,535,858   2,769,066   -3.6      -11.8

deposits
 Total deposits       9,210,638   9,082,174   9,055,154   1.4       1.7
Customer repurchase     741,124     807,820     729,987     -8.3      1.5
agreements (6)
 Total deposits and
customer repurchase     $9,951,762  $9,889,994  $9,785,141  0.6       1.7
agreements (6)
Average balances
Loans:
Commercial real estate $2,682,103  $2,657,325  $2,653,846  0.9       1.1
Commercial and          1,656,556   1,567,340   1,407,418   5.7       17.7
industrial
Commercial leases       130,439     128,535     113,235     1.5       15.2
 Commercial loans and 4,469,098   4,353,200   4,174,499   2.7       7.1
leases
Direct installment      1,181,715   1,157,480   1,091,931   2.1       8.2
Residential mortgages   1,110,679   1,122,658   1,222,620   -1.1      -9.2
Indirect installment    576,684     581,748     552,337     -0.9      4.4
Consumer LOC            812,263     793,496     695,197     2.4       16.8
Other                   38,196      39,228      41,177      -2.6      -7.2
 Total loans          $8,188,635  $8,047,810  $7,777,761  1.7       5.3
Deposits:
Non-interest bearing    $1,744,465  $1,742,328  $1,470,648  0.1       18.6
deposits
Savings and NOW         4,893,299   4,786,688   4,591,590   2.2       6.6
Certificates of deposit
and other time          2,493,703   2,578,226   2,813,898   -3.3      -11.4

deposits
 Total deposits       9,131,467   9,107,242   8,876,136   0.3       2.9
Customer repurchase     806,806     867,404     724,081     -7.0      11.4
agreements (6)
 Total deposits and
customer
                        $9,938,273  $9,974,646  $9,600,217  -0.4      3.5
 repurchase
agreements (6)





F.N.B. CORPORATION
(Unaudited)
(Dollars in thousands)
                                                           1Q13 -    1Q13 -
                             2013      2012                4Q12      1Q12
                             First     Fourth    First     Percent   Percent
Asset Quality Data           Quarter   Quarter   Quarter   Variance  Variance
Non-Performing Assets
Non-performing loans (8)
 Non-accrual loans         $65,578   $66,004   $98,418   -0.6      -33.4
 Restructured loans        16,555    14,876    11,416    11.3      45.0
 Non-performing loans   82,133    80,880    109,834   1.5       -25.2
Other real estate owned (9)  35,869    35,257    36,958    1.7       -2.9
 Non-performing loans and  118,002   116,137   146,792   1.6       -19.6
OREO
Non-performing investments  413       2,809     3,478     -85.3     -88.1
 Total non-performing      $118,415  $118,946  $150,270  -0.4      -21.2
assets
Non-performing loans / total 1.00%     0.99%     1.41%
loans
Non-performing loans / total 1.11%     1.12%     1.67%
originated loans (10)
Non-performing loans + OREO
/                            1.43%     1.42%     1.87%

 total loans + OREO
Non-performing loans + OREO
/

 total originatedloans +  1.59%     1.60%     2.22%
OREO (10)
Non-performing assets /      0.99%     0.99%     1.28%
total assets
Allowance Rollforward
Allowance for loan losses

 (originated portfolio)
(10)
 Balance at beginning of   $100,194  $99,725   $100,662  0.5       -0.5
period
 Provision for loan losses 6,358     8,144     6,572     -21.9     -3.3
 Net loan charge-offs      (4,048)   (7,675)   (5,141)   -47.3     -21.3
 Allowance for loan losses
                             102,504   100,194   102,093   2.3       0.4
  (originated portfolio)
(10)
Allowance for loan losses

 (acquired portfolio) (11)
 Balance at beginning of   4,180     2,989     0         39.8      0.0
period
 Provision for loan        1,183     1,130     0         4.7       0.0
losses
 Net loan charge-offs      (165)     61        0         -370.5    0.0
 Allowance for loan losses
                             5,198     4,180     0         24.4      0.0
 (acquired portfolio)
(11)
 Total allowance for    $107,702  $104,374  $102,093  3.2       5.5
loan losses
Allowance for loan losses /  1.31%     1.28%     1.31%
total loans
Allowance for loan losses

 (originated loans) / total
originated
                             1.39%     1.38%     1.55%
 loans (10)
Allowance for loan losses
(originated

 loans) / total
non-performing               124.80%   123.88%   92.95%

 loans (8)
Net loan charge-offs
(annualized) /               0.21%     0.38%     0.27%

 total average loans
Net loan charge-offs on
originated

loans (annualized) /total
average                      0.22%     0.45%     0.32%

 originated loans (10)
Delinquency - Originated
Portfolio (10)
Loans 30-89 days past due    $34,909   $46,205   $28,123   -24.4     24.1
Loans 90+ days past due      5,974     6,706     7,325     -10.9     -18.4
Non-accrual loans            65,578    66,004    98,418    -0.6      -33.4
 Total past due and        $106,461  $118,915  $133,866  -10.5     -20.5
non-accrual loans
Total past due and
non-accrual loans /          1.45%     1.64%     2.03%

 total originated loans
Memo item:
Delinquency - Acquired
Portfolio (11) (12)
Loans 30-89 days past due    $13,872   $22,799   $20,694   -39.2     -33.0
Loans 90+ days past due      41,234    36,585    40,190    12.7      2.6
Non-accrual loans            0         0         0         0.0       0.0
 Total past due and        $55,106   $59,384   $60,884   -7.2      -9.5
non-accrual loans



F.N.B. CORPORATION
(Unaudited)
(Dollars in thousands, except per
share data)
                 2013                            2012
                 First Quarter                   Fourth Quarter
                              Interest  Average               Interest  Average
                 Average      Earned    Yield    Average      Earned    Yield
                 Outstanding  or Paid   or Rate  Outstanding  or Paid   or Rate
Assets
Interest bearing
deposits with    $30,071      $14       0.19%    $116,885     $68       0.23%
banks
Taxable
investment       2,084,966    10,597    1.98%    2,076,440    10,817    2.03%
securities (13)
Non-taxable
investment       169,421      2,337     5.52%    179,262      2,455     5.48%
securities (14)
Loans (14) (15) 8,188,635    93,911    4.64%    8,047,810    96,036    4.75%
 Total
Interest Earning 10,473,093   106,859   4.12%    10,420,397   109,376   4.18%
Assets (14)
Cash and due     172,969                         199,451
from banks
Allowance for    (104,838)                       (104,453)
loan losses
Premises and     138,694                         144,702
equipment
Other assets     1,324,841                       1,328,186
Total Assets     $12,004,759                     $11,988,283
Liabilities
Deposits:

Interest-bearing $3,649,049   1,502     0.17%    $3,578,072   1,834     0.20%
demand
 Savings       1,244,250    168       0.05%    1,208,616    253       0.08%
 Certificates  2,493,703    6,595     1.07%    2,578,226    7,650     1.18%
and other time
Customer
repurchase       806,806      485       0.24%    867,404      603       0.27%
agreements
Other short-term 208,541      622       1.19%    156,197      597       1.50%
borrowings
Long-term debt  91,134       774       3.44%    88,956       791       3.54%
Junior
subordinated     204,025      1,876     3.73%    204,012      1,932     3.77%
debt
 Total
Interest Bearing 8,697,508    12,022    0.56%    8,681,483    13,660    0.63%
Liabilities
(14)
Non-interest
bearing demand   1,744,465                       1,742,328
deposits
Other            151,959                         164,042
liabilities
Total            10,593,932                      10,587,853
Liabilities
Stockholders'    1,410,827                       1,400,430
equity
Total
Liabilities and  $12,004,759                     $11,988,283
Stockholders'
Equity
Net Interest     $1,775,585                      $1,738,914
Earning Assets
Net Interest                  94,837                          95,716
Income (FTE)
Tax Equivalent                (1,741)                         (1,798)
Adjustment
Net Interest                  $93,096                         $93,918
Income
Net Interest                            3.56%                           3.56%
Spread
Net Interest                            3.66%                           3.66%
Margin (14)



F.N.B. CORPORATION
(Unaudited)
(Dollars in thousands, except per share data)
                                               2012
                                               First Quarter
                                                            Interest  Average
                                               Average      Earned    Yield
                                               Outstanding  or Paid   or Rate
Assets
Interest bearing deposits with banks           $98,451      $56       0.23%
Taxable investment securities (13)            1,908,625    12,358    2.54%
Non-taxable investment securities (14)        186,178      2,639     5.67%
Loans (14) (15)                               7,777,761    94,135    4.86%
 Total Interest Earning Assets (14)         9,971,015    109,188   4.40%
Cash and due from banks                        187,971
Allowance for loan losses                      (102,519)
Premises and equipment                         147,704
Other assets                                   1,359,494
Total Assets                                   $11,563,665
Liabilities
Deposits:
 Interest-bearing demand                     $3,437,219   2,200     0.26%
 Savings                                     1,154,371    377       0.13%
 Certificates and other time                 2,813,898    9,381     1.34%
Customer repurchase agreements                 724,081      683       0.37%
Other short-term borrowings                    152,977      761       1.97%
Long-term debt                                92,288       953       4.15%
Junior subordinated debt                       201,876      2,011     4.01%
 Total Interest Bearing Liabilities (14) 8,576,710    16,366    0.77%
Non-interest bearing demand deposits           1,470,648
Other liabilities                              163,738
Total Liabilities                              10,211,096
Stockholders' equity                           1,352,569
Total Liabilities and Stockholders' Equity     $11,563,665
Net Interest Earning Assets                    $1,394,305
Net Interest Income (FTE)                                   92,822
Tax Equivalent Adjustment                                   (1,901)
Net Interest Income                                         $90,921
Net Interest Spread                                                   3.63%
Net Interest Margin (14)                                             3.74%





F.N.B. CORPORATION
(Unaudited)
(Dollars in thousands, except per share data)
NON-GAAP FINANCIAL MEASURES
We believe the following non-GAAP financial measures used by F.N.B.
Corporation provide information useful to investors in understandingF.N.B.
Corporation's operating performance and trends, and facilitate comparisons
with the performance of F.N.B. Corporation's peers. Thenon-GAAP financial
measures used by F.N.B. Corporation may differ from the non-GAAP financial
measures other financial institutions useto measure their results of
operations. Non-GAAP financial measures should be viewed in addition to, and
not as an alternative for, F.N.B. Corporation's reported results prepared in
accordance with U.S. GAAP. The following tables summarize the non-GAAP
financial measuresincluded in this press release and derived from amounts
reported in F.N.B. Corporation's financial statements.

                                       2013         2012
                                       First        Fourth       First
                                       Quarter      Quarter      Quarter
Adjusted net income:
Net income                             $28,538      $28,955      $21,582
Gain on sale of acquired building, net 0            0            0
of tax
Branch consolidation costs, net of tax 0            1,214        0
Litigation settlement accrual, net of  0            1,950        0
tax
Merger and severance costs, net of tax 229          (3)          4,943
Adjusted net income                    $28,767      $32,116      $26,525
Adjusted diluted earnings per share:
Diluted earnings per share             $0.20        $0.21        $0.15
Effect of gain on sale of acquired     0.00         0.00         0.00
building, net of tax
Effect of branch consolidation costs,  0.00         0.01         0.00
net of tax
Effect of litigation settlement        0.00         0.01         0.00
accrual, net of tax
Effect of merger and severance costs,  0.00         (0.00)       0.04
net of tax
Adjusted diluted earnings per share    $0.20        $0.23        $0.19
Return on average tangible equity (2):
Net income (annualized)                $115,739     $115,189     $86,801
Amortization of intangibles, net of    5,237        5,800        5,964
tax (annualized)
                                       120,976      120,989      92,765
Average total shareholders' equity     1,410,827    1,400,430    1,352,569
Less: Average intangibles             (712,467)    (715,962)    (719,195)
                                       698,360      684,468      633,374
Return on average tangible equity (2)  17.32%       17.68%       14.65%
Return on average tangible assets (3):
Net income (annualized)                $115,739     $115,189     $86,801
Amortization of intangibles, net of    5,237        5,800        5,964
tax (annualized)
                                       120,976      120,989      92,765
Average total assets                   12,004,759   11,988,283   11,563,665
Less: Average intangibles             (712,467)    (715,962)    (719,195)
                                       11,292,292   11,272,321   10,844,470
Return on average tangible assets (3)  1.07%        1.07%        0.86%
Tangible book value per share:
Total shareholders' equity             $1,413,257   $1,402,069   $1,354,699
Less: intangibles                     (711,420)    (713,405)    (714,177)
                                       701,837      688,664      640,522
Ending shares outstanding              140,377,174  139,929,242  139,501,039
Tangible book value per share          $5.00        $4.92        $4.59





F.N.B. CORPORATION
(Unaudited)
(Dollars in thousands)
                                            2013        2012
                                            First       Fourth      First
                                            Quarter     Quarter     Quarter
Tangible equity / tangible assets (period
end):
Total shareholders' equity                  $1,413,257  $1,402,069  $1,354,699
Less: intangibles                          (711,420)   (713,405)   (714,177)
                                            701,837     688,664     640,522
Total assets                                11,997,990  12,023,976  11,726,063
Less: intangibles                          (711,420)   (713,405)   (714,177)
                                            11,286,570  11,310,571  11,011,886
Tangible equity / tangible assets (period   6.22%       6.09%       5.82%
end)
Tangible equity, excluding AOCI / tangible
 assets (period end) (7):
Total shareholders' equity                  $1,413,257  $1,402,069  $1,354,699
Less: intangibles                          (711,420)   (713,405)   (714,177)
Less: AOCI                                 47,198      46,224      43,735
                                            749,035     734,888     684,257
Total assets                                11,997,990  12,023,976  11,726,063
Less: intangibles                          (711,420)   (713,405)   (714,177)
                                            11,286,570  11,310,571  11,011,886
Tangible equity, excluding AOCI / tangible
 assets (period end) (7)                  6.64%       6.50%       6.21%

     Net interest income is also presented on a fully taxable equivalent (FTE)
(1)  basis, as the Corporation believes this non-GAAP measure is the preferred

     industry measurement for this item.
     Return on average tangible equity is calculated by dividing net income
(2)  excluding amortization of intangibles by average equity less average
     intangibles.
     Return on average tangible assets is calculated by dividing net income
(3)  excluding amortization of intangibles by average assets less average
     intangibles.
(4)  See non-GAAP financial measures for additional information relating to
     the calculation of this item.
     The efficiency ratio is calculated by dividing non-interest expense less
(5)  amortization of intangibles, other real estate owned expense, FHLB
     prepayment penalties, litigation settlement accrual, branch consolidation
     costs and merger costs by the sum of net interest income on a fully
     taxable equivalent basis plus non-interest income less gain on sale of an
     acquired building, securities gains and net impairment losses on
     securities plus losses on asset disposals related to the branch
     consolidation project.
(6)  Customer repos are included in short-term borrowings on the balance
     sheet.
     Accumulated other comprehensive income (AOCI) is comprised of unrealized
(7)  losses on securities, non-credit impairment losses on
     other-than-temporarily impaired securities, unrealized losses on
     derivative instruments and unrecognized pension and postretirement
     obligations.
(8)  Does not include loans acquired at fair value ("acquired portfolio").
     Includes all other real estate owned, including those balances acquired
(9)  through business combinations that have been in acquired loans prior to
     foreclosure.
(10) "Originated Portfolio" or "Originated Loans" equals loans and leases not
     included by definition in the Acquired Portfolio.
     "Acquired Portfolio" or "Acquired Loans" equals loans acquired at fair
(11) value, accounted for in accordance with ASC 805 which was effective
     January 1, 2009. The risk of credit loss on these loans has been
     considered by virtue of the Corporation's estimate of acquisition-date
     fair value and these loans are considered accruing as the Corporation
     primarily recognizes interest income through accretion of the difference
     between the carrying value of these loans and their expected cash flows.
     Because acquired loans are initially recorded at an amount estimated to
     be collectible, losses on such loans, when incurred, are first applied
     against the non-accretable difference established in purchase accounting
     and then to any allowance for loan losses recognized subsequent to
     acquisition.
(12) Represents contractual balances.
(13) The average balances and yields earned on taxable investment securities
     are based on historical cost.
     The interest income amounts are reflected on a FTE basis, which adjusts
(14) for the tax benefit of income on certain tax-exempt loans and investments
     using the federal statutory tax rate of 35% for each period presented.
     The yields on earning assets and the net interest margin are presented on
     an FTE and annualized basis. The rates paid on interest-bearing
     liabilities are also presented on an annualized basis.
(15) Average balances for loans include non-accrual loans. Loans consist of
     average total loans less average unearned income. The amount of loan
     fees included in interest income is immaterial.

SOURCE F.N.B. Corporation

Website: http://www.fnbcorporation.com
Contact: Analyst/Institutional Investor Contact: Cynthia Christopher,
724-983-3429, christoc@fnb-corp.com, or Media Contact: Jennifer Reel,
724-983-4856, 724-699-6389(cell), reel@fnb-corp.com
 
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