Document:

EX-4.6.4

 EXHIBIT 4.6.4 
 FNB FINANCIAL SERVICES, LP 
 General Partner Certificate Pursuant to
Indenture 
 Pursuant to Sections 102 and 301 of the Indenture dated as of August 16, 2005 (as amended or supplemented
from time to time, the “Indenture”), by and among FNB Financial Services, LP (the “Company”), F.N.B. Corporation, as Guarantor (the “Guarantor”) and The Bank of New York Mellon Trust Company, N.A. (as
successor-in-interest to J.P. Morgan Trust Company, National Association), as Trustee (the “Trustee”), the undersigned hereby certifies, in connection with the issuance by the Company of the Securities described herein, that: 

(l) There shall be the following Securities issuable under the Indenture and pursuant to this General Partner Certificate:
(i) Nonnegotiable Subordinated Term Notes, Series 2012 (the “Term Notes”); (ii) Nonnegotiable Subordinated Daily Notes, Series 2012 (the “Daily Notes”); and (iii) Nonnegotiable Subordinated Special Daily Notes,
Series 2012 (the “Special Daily Notes”) (the Term Notes, Daily Notes and Special Daily Notes are sometimes collectively referred to herein as the “Notes”). 
 (2) There is no limit on the aggregate principal amount of Notes that may be authenticated and delivered under the Indenture. 
 (3) The Term Notes will be due 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 27, 30, 36, 48, 60, 84 or 120 months from the date of issuance thereof, according to their
respective terms (the “Maturity Date”), unless redeemed or extended as provided therein. The Term Notes will be automatically extended for successive terms, equal in duration to their original term, at the rate(s) of interest then in
effect for Term Notes of comparable maturity (as determined by the Company) unless, prior to maturity, the Company receives notification of the Holder’s intent to redeem the Term Note. The principal amount of each Term Note shall be payable in
one lump sum on the Maturity Date thereof. 
 (4) The principal amount of each Daily Note and each Special Daily Note shall be
due and payable on demand; provided, however, that (i) the Company retains the right to require the Holder to give the Company no less than 30 days prior written notice, by first class mail, of a redemption in whole or in part demanded by the
Holder, which notice shall specify the principal amount of the Note to be redeemed and the redemption date, (ii) a partial redemption may not reduce the principal amount of a Daily Note to less than $50, (iii) a partial redemption may not
reduce the principal amount of a Special Daily Note to less than the minimum purchase amount with respect to Special Daily Notes in effect at the time of issuance of the Special Daily Note to be redeemed, and (iv) the Company may at the time of
sale of any Special Daily Note establish a minimum principal amount with respect to which a Holder may require the Company to partially redeem such Special Daily Note. 
 (5) The interest rates payable on the Daily Notes and Special Daily Notes will be determined by the Company and may fluctuate on a daily basis. Any adjustment to the interest rate shall remain in effect
until next adjusted by the Company. Interest on the Daily Notes and Special Daily Notes shall accrue daily from the date of issuance and be compounded quarterly. Accrued interest shall be paid to the Holder of a Daily Note or Special Daily Note upon
redemption in whole of the Note. 

  
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 (6) The interest rate payable on the Term Notes will be determined by the Company from time
to time. The interest rate payable on any particular Term Note will be fixed for the term of the Note. The Company may from time to time offer Term Notes with a higher interest rate if a higher minimum purchase amount is met. Interest on the Term
Notes shall accrue daily from the date of issuance. The Holder thereof may elect to have the interest thereon paid either monthly or quarterly by check, or compounded quarterly and paid at maturity. 

(7) The Company shall have the right, at its option, to call the Notes of any series for redemption at any time. Any partial redemption
of a series shall either be made ratably on all the Outstanding Notes of the series called for redemption, or by lot or in any other equitable fashion as shall be determined by the Company. Interest on the Notes will continue to accrue until the
date of redemption and no premium shall be paid thereon. The Company will give each Holder not less than 30 days prior written notice by first class mail of a redemption of any Notes held by such Holder, specifying the principal amount of the Notes
to be redeemed and the redemption date. Notice of redemption having been given by the Company as aforesaid, the principal amount of the Notes specified in such notice, together with interest accrued and unpaid thereon to the date of redemption, will
become due and payable on such redemption date. 
 (8) The Holder of a Term Note will have the right, at its option, to have the
Company redeem the Term Note upon demand prior to maturity. As to a Term Note having a maturity of 12 months or less, the Holder shall, upon such redemption, forfeit an amount equal to 3 months of interest earned, or that could have been earned, on
the amount so redeemed at the rate being paid on the Term Note, regardless ofthe length of time that the Holder has owned the Term Note. As to a Term Note having a maturity of between 13 months and 30 months, inclusive, the Holder shall forfeit an
amount equal to 6 months of interest earned, or that could have been earned, on the amount so redeemed at the rate being paid on the Term Note, regardless of the length of time that the Holder has owned the Term Note. As to a Term Note having a
maturity in excess of 30 months, the Holder shall forfeit an amount equal to 9 months of interest earned, or that could have been earned, on the amount so redeemed at the rate being paid on the Term Note, regardless of the length of time that the
Holder has owned the Term Note. Where necessary to comply with the requirements of this Paragraph, interest already paid to or for the account of the Holder will be deducted from the amount redeemed. Holders of Term Notes will also have the right to
make partial redemptions prior to maturity; provided, however, that a partial redemption may not reduce the outstanding principal amount of a Term Note to less than $500. The above mentioned forfeitures will be calculated only upon the principal
amount as to which the Term Note is being redeemed. The Company may require the Holder of any Term Note electing to have the Company redeem the Holder’s Term Note to give the Company not less than 30 days prior written notice, by first class
mail, of such election, which notice shall specify the principal amount of the Term Note to be redeemed and the redemption date. 
 (9) Notwithstanding the provisions of Paragraph (9) hereof, Term Notes may be redeemed before maturity without forfeiture of interest upon the death of any Holder or if the Holder is determined to be
legally incompetent by a court or any other administrative body of competent jurisdiction. 
 (10) The principal amount of each
Term Note shall be payable in one lump sum on the Stated Maturity thereof; provided, however, that, unless the Company has received notification of a Holder’s intent to have the Company redeem the Holder’s Term Note at or prior to
maturity, each Term Note will be automatically extended for successive terms, each equal in duration to its original term, at the rate of interest then in effect for Term Notes of comparable maturity (as determined by the Company). 

  
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 (11) The Notes are issuable in any denomination; provided, however, that (i) the
minimum denomination for Term Notes shall be $500 and the Company may, pursuant to Paragraph (6) hereof, offer higher interest rates on Term Notes of the same maturity if a higher minimum purchase is met, (ii) the minimum denomination for
a Daily Note shall be $50, and (iii) the Company may from time to time establish minimum denominations for which Special Daily Notes shall be issued. 
 (12) Transfers of the Notes will be registerable. Notes may be surrendered for exchange, and principal of and interest on the Notes will be payable, at the branch offices of Regency Finance Company, at
the administrative office of Regency Finance Company located at 3320 East State Street, Hermitage, Pennsylvania 16148, and at such other locations as the Company may from time to time determine. 

(13) Interest on a Note which is payable, and is punctually paid or duly provided for, on any Interest Payment Date shall be paid to the
Person in whose name that Note is registered at the close of business on the last Business Day prior to the Interest Payment Date, which day shall constitute the Regular Record Date for such interest payment. Interest not so paid or provided for
shall be paid as set forth in Section 307 of the Indenture. 
 (14) The Notes shall not be issued, in whole or in part, in
the form of a global security or securities. 
 (15) The Notes will be subordinate to the prior payment when due of the
principal of, and interest on, all Senior Indebtedness. 
 (16) The Trustee hereby appoints Regency Finance Company
(“Regency Finance”) (or such other entity as may be acceptable to the Company and the Trustee and shall satisfy the qualifications for serving as Authenticating and Paying Agent set forth in the Indenture) as Authenticating and Paying
Agent for the Notes. Such appointment and service shall be at such appointee’s own expense, and the principal of (and premium, if any) and interest on the Notes shall be payable, and any Notes may be surrendered for registration of transfer or
for exchange, at any office of Regency Finance. 
 (17) The undersigned has read Sections 102 and 301 of the Indenture, which
allow Securities to be issued pursuant to the Indenture in one or more series, the particular terms of which are to be established prior to the issuance of the Securities of any such series. 

(18) The undersigned has examined the aforementioned provisions of the Indenture and discussed them with representatives of Day Ketterer
Ltd., counsel to the Company. 
 (19) The undersigned has made such examination of the Indenture as is necessary to enable it to
express an informed opinion whether all conditions precedent to the execution, issuance, authentication and delivery of the Notes have been complied with. 
 (20) The undersigned believes that all conditions precedent to the execution, issuance, authentication and delivery of the Notes have been complied with. 

Capitalized terms used herein and not otherwise defined shall have the meanings given such terms in the Indenture. 

[Signature Page Follows] 

  
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 IN WITNESS WHEREOF, the undersigned has executed this General Partner
Certificate as of the 18th day of October, 2012.

 REGENCY CONSUMER FINANCIAL SERVICES INC. 
  

									
					
	By:	 	/s/     Gary Boggs	 		 	By:	 	/s/    Mark D. Lozzi
	 Name:
 Title:
	 	 Gary Boggs

President
	 		 	 Name:
 Title:
	 	 Mark D. Lozzi

Secretary/Treasurer

  
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 ACKNOWLEDGMENT 

This Acknowledgment (the “Acknowledgment”) is made as of this      day of
                     , 2012 by The Bank of New York Mellon Trust Company, N.A., as Trustee (the “Trustee”). 

By its execution of this Acknowledgment, the Trustee acknowledges the receipt of and hereby agrees with and accepts the terms of Notes
(as hereinafter defined) described in the General Partner Certificate Pursuant to Indenture executed by Regency Consumer Financial Services Inc. (“Regency”) on October 18, 2012, wherein Regency, as general partner of FNB Financial
Services, LP, (a) set forth the terms of the Nonnegotiable Subordinated Term Notes, Series 2012, the Nonnegotiable Subordinated Daily Notes, Series 2012 and the Nonnegotiable Subordinated Special Daily Notes, Series 2012 (collectively, the
“Notes”); and (b) made certain representations to the Trustee pursuant to Sections 102 and 301 of the Indenture dated as of August 16, 2005. 
 THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A., as Trustee 
  

			
		
	By:	 	 
	 Name:
 Title:
	 	  

 

  
 5EX-4.7.4

 EXHIBIT 4.7.4 
 THIS SECURITY IS NOT A SAVINGS ACCOUNT OR AN OBLIGATION OF AN INSURED DEPOSITORY INSTITUTION AND IS NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION (FDIC) OR ANY GOVERNMENT AGENCY. 

     MONTH 
 NONNEGOTIABLE SUBORDINATED TERM NOTE, SERIES 2012 
 FNB FINANCIAL SERVICES,
L.P. 
 Suite 202, 103 Foulk Road 
 Wilmington, Delaware 19803 

No.                         
                                   
                                         
                                         
      
    $                                 

FOR VALUE RECEIVED, FNB FINANCIAL SERVICES, LP (the “Issuer”) hereby promises to pay the principal amount of 

                      Dollars
($                     )
                        calendar months after the date of issue to 

 

											
	 Name
	 	 	 		 	Soc. Sec. or E.I. No.        	 		 	Stated Maturity        
	 	 	  	 	 	 	 	 	 	 	 
	 Address
	 	 	 		 		 		 	
	 	 	  	 	 	 	 	 	 	 	 

 (the “Holder”), in the manner provided for on the reverse side hereof. This Nonnegotiable Subordinated Term Note
shall bear interest on the unpaid principal amount hereof from the date of issue until paid at the rate of percent ( %) per annum, such interest to be payable as set forth below. 

By acceptance of this Nonnegotiable Subordinated Term Note, the Holder agrees that its rights and remedies against the Issuer and the
Guarantor (as hereinafter defined) with respect to their obligations hereon and under the Guaranty shall be and remain subordinate to the extent and in the manner set forth on the reverse side hereof. This Nonnegotiable Subordinated Term Note is
subject to redemption prior to maturity. Interest adjustment and certain other terms are set forth on the reverse side hereof. 

To guarantee the due and punctual payment of the principal and interest on the Securities (as hereinafter defined) and all other amounts
payable by the Issuer under this Security and the Indenture (as hereinafter defined) when and as the same shall be due and payable, whether at maturity, by acceleration or otherwise, according to the terms of the Securities and the Indenture, the
Guarantor has unconditionally guaranteed such obligations, on a subordinated basis, pursuant to the terms of the Guaranty. 

Unless the Certificate of Authentication hereon has been executed by the Trustee referred to on the reverse side hereof, either directly
or through an Authenticating Agent, by the manual or facsimile signature of an authorized signer, this Nonnegotiable Subordinated Term Note shall not be entitled to any benefit under the Indenture or be valid or obligatory for any purpose.

 Interest at the above rate will be 
  

			
		 	Paid Monthly
		 	Paid Quarterly
		 	Compounded Quarterly

  
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 IN WITNESS WHEREOF, the Issuer has caused this instrument to be duly executed. 

DATED:
                                         
        
  

							
	 ATTEST:
	 		 	FNB FINANCIAL SERVICES, LP
			
		 		 	 By: Regency Consumer Financial Services, Inc., its General Partner

  

									
					
	By:	 	 	 		 	By:	 	 
	Title:	 	 	 		 	Title:	 	 

 AUTHENTICATION CERTIFICATE: This is one of the Securities of the series designated herein referred to in the
within-mentioned Indenture. 
  

									
		 		 		 		 	 THE BANK OF NEW YORK MELLON TRUST COMPANY,
 N.A., as Trustee

					
		 		 		 		 	By: REGENCY FINANCE COMPANY, as Authenticating Agent
					
		 		 		 		 	  

		 		 		 		 	Authorized Officer

  
  
 [Reverse of Note] 
 This Nonnegotiable Subordinated Term Note, Series 2012 is one
of a duly authorized issue of securities of the Issuer (each a “Security” and, together, the “Securities”), issued and to be issued in one or more series under an Indenture, dated as of August 16, 2005 (herein called the
“Indenture”), by and among the Issuer, F.N.B. Corporation, as Guarantor (the “Guarantor”), and The Bank of New York Mellon Trust Company, N.A. (as successor-in-interest to J.P. Morgan Trust Company, National Association), as
Trustee (herein called the “Trustee,” which term includes any successor Trustee under the Indenture), to which Indenture and all indentures supplemental thereto reference is hereby made for a statement of the respective rights,
limitations, duties and immunities thereunder of the Issuer, the Guarantor, the Trustee and the Holders of the Securities, and of the terms upon which the Securities are, and are to be, issued, authenticated and delivered. 

Upon, and during the continuance of any Event of Default, then, and in any such event, the principal of the Securities of this series may
be declared immediately due and payable in the manner and with the effect provided in the Indenture. 
 PAYMENT AND INTEREST
ACCRUAL. Payment of the principal of and interest on this Security shall be made in lawful money of the United States at any office of Regency Finance Company, the Issuer’s agent, or at such other place as the Issuer may designate to the Holder
in writing (“Place of Payment”); provided, however, that any such payment may be made, at the option of the Issuer, by check mailed to the registered address of the Holder. Upon payment or tender of payment hereof at maturity or earlier
redemption (in whole), this Security shall be surrendered to the Issuer for cancellation at the Place of Payment. Unless otherwise agreed in writing by the Issuer, interest hereon shall cease to accrue, and the Issuer shall have no further liability
with respect thereto, upon payment (or tender of payment in the aforesaid manner) of the principal amount hereof at maturity or earlier redemption. 
 This Security will be automatically extended for successive terms, equal in duration to the original term hereof, at the rate(s) of interest then in effect for Securities of comparable maturity (as
determined by the Issuer) unless, prior to maturity, the Issuer receives notification of the Holder’s election to have the Issuer redeem this Security. All of the terms and conditions applicable to this Security when issued will also apply
during each period of extension. 
 OPTIONAL REDEMPTION BY ISSUER. The Securities of this series are subject to redemption upon
not less than 30 days’ notice by first class mail, at any time, as a whole or in part, at the election of the Issuer, without premium, together with accrued interest to the Redemption Date, but any interest installment, which is due and payable
on or prior to such Redemption Date, will be payable to the Holders of such Securities, or one or more Predecessor Securities, of record at the close of business on the relevant Record Dates, all as provided in the Indenture. Each partial redemption
payment shall either be made ratably on all the Outstanding Securities of such series called for redemption, by lot or in any other equitable fashion (as determined by the Issuer). 

  
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 REDEMPTION PRIOR TO MATURITY BY HOLDER. The Holder shall have the right, at its option, to
have the Issuer redeem this Security in whole or in part at any time prior to maturity; provided, however, that the Issuer may require the Holder to give the Issuer no less than 30 days prior written notice by U.S. registered mail of a redemption
demanded by the Holder, which notice shall specify the principal amount of the Security to be redeemed and the redemption date. Upon such redemption, the Holder shall forfeit, regardless of the length of time that this Security has been Outstanding,
an amount equal to (i) three months of interest earned, or that could have been earned, if this Security has a term of 12 months or less, (ii) six months of interest earned, or that could have been earned, if this Security has a term of
between 13 and 30 months, inclusive, or (iii) 12 months of interest earned, or that could have been earned, if this Security has a term in excess of 30 months, in each case calculated on the amount redeemed at the rate being paid on this
Security. Where necessary to comply with the requirements of this paragraph, any interest already paid to or for the account of the Holder shall be deducted from the amount redeemed. Holders shall also have the right to have the Issuer make partial
redemption prior to maturity; provided, however, that a minimum outstanding principal amount of $500 is maintained. The above-mentioned forfeitures shall be calculated only upon the amount so redeemed. This Security may be redeemed before maturity
without forfeiture upon the death of the Holder of this Security or when the Holder of this Security is determined to be legally incompetent by a court or other administrative body of competent jurisdiction. 

In the event of redemption of this Security in part only, a new Security or Securities of this series for the unredeemed portion hereof
will be issued in the name of the Holder hereof upon the cancellation hereof. 
 No reference herein to the Indenture and no
provision of this Security or of the Indenture shall alter or impair the obligations of the Issuer, which are absolute and unconditional, to pay the principal of and interest on this Security at the times, place and rate, and in the coin or
currency, herein prescribed. 
 As provided in the Indenture and subject to certain limitations therein set forth, the transfer
of this Security is registrable in the Security Register, upon surrender of this Security for registration of transfer at the office or agency of the Issuer in any place where the principal of and interest on this Security are payable, duly endorsed
by, or accompanied by a written instrument of transfer in form satisfactory to the Issuer and the Security Registrar duly executed by, the Holder hereof or his attorney duly authorized in writing, and thereupon one or more new Securities of this
series, of authorized denominations and for the same aggregate principal amount, will be issued to the designated transferee or transferees. 
 ASSIGNMENT. As provided in the Indenture and subject to certain limitations set forth herein and therein, this Security shall not be transferable except by endorsement and delivery by the Holder, or his
duly authorized representative at the Place of Payment referred to above and, upon surrender to the Issuer with proper endorsement, a new instrument of like tenor shall be issued in the name of the transferee. The Issuer may require payment of a
service charge along with a sum sufficient to cover any tax or other governmental charge payable in connection therewith. Unless and until transferred in the manner aforesaid, the Issuer, the Trustee and any agent of either of them may treat the
Holder whose name or names appear on the face of this instrument as the absolute owner hereof for all purposes. If this Security is payable to two or more persons, they shall be deemed to be joint tenants with right of survivorship and any and all
payments herein shall be made to either, or the survivor of them. 
 SUBORDINATION. The indebtedness evidenced by this Security
is subordinate to the prior payment when due of the principal of and interest on all Senior Indebtedness (as such term is defined below). Upon maturity of any Senior Indebtedness, payment in full must be made on such Senior Indebtedness before any
payment is made on or in respect of this Security or the Securities. During the continuance of any default in payment of principal of or interest or sinking fund on any Senior Indebtedness, or any other event of default with respect to Senior
Indebtedness pursuant to which the holders thereof have accelerated the maturity thereof, no direct or indirect payment may be made or agreed to be made by the Issuer or the Guarantor on or in respect of this Security or the Guaranty. Upon any
distribution of assets of the Issuer or the Guarantor in any dissolution, winding up, liquidation or reorganization, payment of the principal of and interest on this Security will be subordinated, to the extent and in the manner set forth in the
Indenture, to the prior payment in full of all Senior Indebtedness. The Indenture does not limit the Issuer’s or the Guarantor’s ability to increase the amount of Senior Indebtedness or to incur any additional indebtedness in the future
that may affect the Issuer’s or the Guarantor’s ability to make payments under this Security or the Guaranty. Except as described above, the obligation of the Issuer or the Guarantor to make payment of principal or interest on this
Security or the Guaranty will not be affected. By reason of such subordination, in the event of a distribution of assets upon insolvency, certain general creditors of the Issuer and the Guarantor may recover more, ratably, than Holders of the
Securities. 
 “Senior Indebtedness” means Indebtedness of the Issuer or the Guarantor outstanding at any time,
other than Indebtedness of the Issuer or the Guarantor to each other or to a Subsidiary for money borrowed or advanced from the other or from any such Subsidiary, or Indebtedness which by its terms is not superior in right of payment to the
Securities, provided, however, that for purposes of clarity, the obligations of the Guarantor under the Guaranty with respect to the Indebtedness represented by the Securities shall be pari

  
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passu with the Indebtedness of the Guarantor under the Indenture, dated as of May 15, 1992, as amended, between the Guarantor and The Bank of New York Mellon Trust Company, N.A. (as
successor-in-interest to J.P. Morgan Trust Company, National Association), as Trustee. “Indebtedness” means (1) any debt of the Issuer or the Guarantor (i) for borrowed money or (ii) evidenced by a note, debenture or similar
instrument (including a purchase money obligation) given in connection with the acquisition of any property or assets, including securities; (2) any debt of others described in the preceding clause (1) which the Issuer or the Guarantor has
guaranteed or for which it is otherwise liable; and (3) any amendment, renewal, extension or refunding of any such debt. 

In any case where any Interest Payment Date, Redemption Date or Stated Maturity of any Security shall not be a Business Day at any Place
of Payment, then (notwithstanding any other provision of the Indenture or of this Security) payment of principal and interest need not be made at such Place of Payment on such date, but may be made on the next succeeding Business Day at such Place
of Payment with the same force and effect as if made on the interest Payment Date or Redemption Date, or at the Stated Maturity, provided that no interest shall accrue for the period from and after such Interest Payment Date, Redemption Date or
Stated Maturity, as the case may be. 
 The Indenture permits, with certain exceptions as therein provided, the amendment
thereof and the modification of the rights and obligations of the Issuer and the Guarantor and the rights of the Holders of the Securities of each series to be affected under the Indenture at any time by the Issuer, the Guarantor and the Trustee
with the consent of the Holders of ‘not less than 50% in principal amount of the Securities at the time Outstanding of each series to be affected. The Indenture also contains provisions permitting the Holders of specified percentages in
aggregate principal amount of the Securities of each series at the time Outstanding, on behalf of the Holders of all Securities of such series, to waive compliance by the Issuer or the Guarantor with certain provisions of the Indenture and certain
past defaults under the Indenture and their consequences. Any such consent or waiver by the Holder of this Security shall be conclusive and binding upon such Holder and upon all future Holders of this Security and of any Security issued in lieu
hereof, whether or not notation of such consent or waiver is made Security. 
 The Securities of this series are issuable only
in registered form without coupons in any denomination; provided, however, that the minimum denomination shall be $500. 
 All
terms used in this Security which are defined in the Indenture and not otherwise defined herein shall have the meanings assigned to them in the Indenture. 

  
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