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| 1. | Call toll free [1-877-265-4775] on a Touch-Tone Phone.  There is NO CHARGE to you for this call. |

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| 2. | Via the Internet at [http://www.rtcoproxy.com/fnbn] and follow the instructions. |

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| 3. | Mark, sign and date your proxy card and return it promptly in the enclosed envelope. |

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|   |   | PLEASE MARK VOTES  AS IN THIS EXAMPLE | REVOCABLE PROXY FNB United Corp. | Annual Meeting of Shareholders JUNE 20, 2013 |   |
|   | 1.  ELECTION OF DIRECTORS:CLASS III DIRECTORS WITH TERMS EXPIRING IN 2016:(01) John J. Bresnan, (02) Robert L. Reid, (03) Jerry R. Licari (04) H. Ray McKenney, Jr., CLASS II DIRECTOR WITH TERM EXPIRING IN 2015:(05) T. Gray McCaskillINSTRUCTION: To withhold authority to vote for any individual nominee(s), mark “For All Except” and write the name(s) in the space provided below. | For All | With-hold For All | For All Except | 2.  APPROVAL OF AMENDMENT TO AMENDED AND RESTATED BYLAWS TO ELIMINATE CLASSIFIED BOARD STRUCTURE.3.   APPROVAL OF AMENDMENT TO ARTICLES OF INCORPORATION TO CHANGE NAME TO “COMMUNITYONE BANCORP”4.  APPROVAL OF AMENDMENTS TO THE 2012 INCENTIVE PLAN.5.   RATIFICATION OF APPOINTMENT OF DIXON HUGHES    GOODMAN LLP AS THE CORPORATION’S AUDITORS FOR 2013.6.   APPROVAL OF THE COMPENSATION OF FNB’S EXECUTIVE OFFICERS.Mark here if you plan to attend the meeting:  Mark here for address change and note change below: | For   Against   Abstain      For   Against   Abstain      For   Against   Abstain      For   Against   Abstain      For   Against   Abstain       |   |
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|   | Please be sure to date and sign this proxy card in the box below. |   |   |                   The Board of Directors recommends a vote “For” all the Proposals and this proxy will be voted “For” all Proposals unless otherwise directed by the undersigned. The proxy will vote in his discretion on such other matters as may properly come before the meeting or at any adjournment thereof, in accordance with the judgment of the proxy voting on such matters.When signing as attorney, executor, administrator, trustee or guardian, please give full title. If more than one trustee, all should sign. All joint owners must sign.PLEASE SIGN EXACTLY AS YOUR NAME(S) APPEAR(S) HEREON. |   |
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|   | —— Sign above —————————— Co-holder (if any) sign above —— |   |
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| x      | IF YOU WISH TO PROVIDE YOUR INSTRUCTIONS TO VOTE BY TELEPHONE OR INTERNET, PLEASE READ THE INSTRUCTIONS BELOW | y |
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| Vote by TelephoneCall Toll-Free on a Touch-Tone Phone anytime prior to 12 a.m., June 20, 2013:[1-877-265 4775] |   | Vote by Internetanytime prior to 12 a.m., June 20, 2013 go to[http://www.rtcoproxy.com/fnbn] |

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| ON-LINE ANNUAL MEETING MATERIALS: | [http://www.cfpproxy.com/7083] |