Core Insights - F.N.B. Corporation has expanded its eStore® Common application by introducing business loan products, enhancing its digital banking capabilities and reinforcing its Clicks-to-Bricks strategy [1][2] Expansion of the Common App - The Common app allows clients to apply for over 50 consumer and business products simultaneously through a single digital application, addressing the full spectrum of small business financial needs [1][2] - The integration of business lending into the digital platform aims to strengthen client relationships and improve engagement through AI-driven insights and data analytics [1][2] Clicks-to-Bricks Strategy - F.N.B.'s Clicks-to-Bricks strategy combines in-branch, online, and mobile banking to provide a seamless banking experience, positioning the company as an industry leader in digital innovation [1][2] - The strategy has led to significant growth, with F.N.B. expanding its total assets to over $50 billion and becoming one of the top 20 retail banks in the U.S. by branch count [1][2] Impact and Continued Innovation - Online application volume increased by over 300% in Q4 2025 compared to Q4 2024, driven by enhancements to the eStore and the Common app [1][2] - Online banking logins reached a record high in January 2026, up more than 66% from January 2025, indicating strong digital engagement [1][2] - F.N.B. has received multiple awards for its digital initiatives, reflecting its commitment to innovation and leadership in the financial services sector [1][2]