Document:

EX-4.2

 Exhibit 4.2 

FORM OF FACE OF SERIES E PREFERRED STOCK 

[Include for Global Certificate: UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK
CORPORATION (“DTC”), TO F.N.B. CORPORATION OR REGISTRAR AND TRANSFER COMPANY, AS TRANSFER AGENT (THE “TRANSFER AGENT”), AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER
NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO., OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE BY OR TO ANY PERSON IS WRONGFUL IN AS MUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN. 
 TRANSFERS OF THIS
GLOBAL SERIES E PREFERRED STOCK SHALL BE LIMITED TO TRANSFERS IN WHOLE, BUT NOT IN PART, TO NOMINEES OF DTC OR TO A SUCCESSOR THEREOF OR SUCH SUCCESSOR’S NOMINEE AND TRANSFERS OF PORTIONS OF THIS GLOBAL SERIES E PREFERRED STOCK SHALL BE LIMITED
TO TRANSFERS MADE IN ACCORDANCE WITH THE RESTRICTIONS SET FORTH IN THE RELATED ARTICLES OF DESIGNATION. IN CONNECTION WITH ANY TRANSFER, THE HOLDER WILL DELIVER TO THE TRANSFER AGENT SUCH CERTIFICATES AND OTHER INFORMATION AS SUCH TRANSFER AGENT MAY
REASONABLY REQUIRE TO CONFIRM THAT THE TRANSFER COMPLIES WITH THE FOREGOING RESTRICTIONS.] 
 F.N.B. CORPORATION 

Incorporated under the laws of the State of Florida 
  

					
	 CUSIP: 30255P 202
 ISIN: US30255P2020
	 	 Fixed-to-Floating Rate Non-Cumulative

Perpetual Preferred Stock, Series E
	 	                     shares

 Certificate Number:          

This is to certify that
is                                         the
registered owner of fully paid and non-assessable shares of Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series E, $0.01 par value per share, $1,000 liquidation preference per share, of
F.N.B. Corporation, a Florida corporation (the “Corporation”), transferable on the books of the Corporation by the holder hereof, in person or by duly authorized attorney, upon surrender of this Certificate properly endorsed. 

Witness the seal of the Corporation and the signatures of its duly authorized officers. 

 

							
	Dated:                                     
                                	 		 	F.N.B. CORPORATION
				
		 		 	By:	 	  

		 		 		 	Name:
		 		 		 	Title:
			
	Countersigned and registered:	 		 	 REGSTRAR AND TRANSFER COMPANY, Transfer Agent and Registrar

				
		 		 	By:	 	  

		 		 		 	Name:
		 		 		 	Title:

 [REVERSE OF CERTIFICATE] 

F.N.B. CORPORATION 
 The
Corporation will furnish without charge to each shareholder who so requests the designations, relative rights, preferences and limitations applicable to the class of stock or series thereof of the Corporation represented by this certificate and the
authority of the board of directors of the Corporation to determine variations for future series. Such request should be addressed to the Corporation or Registrar and Transfer Company, the Transfer Agent. 

The following abbreviations, when used in the inscription on the face of this certificate, shall be construed as though they were written out
in full according to applicable laws or regulations: 
  

									
	TEN COM	  	 –  as tenants in common
	  	UNIF GIFT MIN ACT	  	 Custodian

	TEN ENT	  	
–  as tenants by the entirety               
 
	  		  	(Cust)                                 (Minor)	  	
	JT TEN	  	 –  as joint tenants with right of

    survivorship and not as tenants

    in common
	  		  	 under Uniform Gifts to Minor Act
  

(State)
	  	

 Additional abbreviations may also be used though not in the above list. 

 
  

ASSIGNMENT 
 For value received,
                                         
                                hereby sell(s), assign(s) and transfer(s) unto 

 

					
	 PLEASE INSERT SOCIAL SECURITY OR OTHER

IDENTIFYING NUMBER OF ASSIGNEE, AS APPLICABLE:
	  	 	  	

  
  

 
  

PLEASE PRINT OR TYPEWRITE ABOVE NAME AND ADDRESS INCLUDING POSTAL ZIP CODE OF ASSIGNEE 

                          
                                 Depositary Shares represented by the within Receipt,
and do hereby irrevocably constitute and appoint
                                         
                        Attorney to transfer the said Depositary Shares on the books of the within named Depositary with full power
of substitution in the premises. 
  

					
	Dated:                                     
                        	  	Signature(s):	  	  

		  		  	  

		  		  	NOTICE: The signature to this assignment must correspond with the name(s) as written upon the face of this Receipt in every particular, without alteration or enlargement, or any change whatever.
			
		  	Signature(s) Guaranteed:	  	  

		  		  	The signature(s) should be guaranteed by an eligible guarantor institution (banks, stockbrokers, savings and loan associations and credit unions with membership in an approved signature guarantee medallion program), pursuant to Rule
17Ad-15 under the Securities Exchange Act of 1934, as amended.

  
 - 2 -EX-10.1

 Exhibit 10.1 

PROMISSORY NOTE 
  

					
	Amount:	 	$1,400,000	 	October 30, 2013 (the “Issuance Date”)
			
	Maturity Date:	 	Earlier of Demand at any time following the six (6) month anniversary of the Issuance Date or May 31, 2014	 	Indianapolis, Indiana
			
	Purpose:	 	Liquidity	 	

 FOR VALUE RECEIVED, the undersigned, CTI Group (Holdings) Inc. (the “Maker”), promises to pay to the order of
Fairford Holdings, Ltd, Michael Reinarts, and John Birbeck (the “Lenders”) the Lenders’ proportionate contributions, Fairford Holdings, Ltd. (80%), Michael Reinarts (10%) and John Birbeck (10%) of the value received. The
Maker promises to pay the Lenders ON DEMAND made at any time following the six (6) month anniversary of the Issuance Date, or if such demand is not sooner made, on May 31, 2014, such date, or if earlier, the date demand is made
hereunder, (the “Maturity Date”), the principal sum of One Million Four Hundred Thousand and No/100 Dollars ($1,400,000.00), or such lesser sum as may actually be advanced and outstanding hereunder, together with interest and
the unpaid balance from the date hereof until this Note is fully paid, computed on the basis of the actual number of days elapsed on a 365-day year. This Note is payable to any place designated in writing by the holder hereof. 

The Maker may, from the date of this Note through and including the Maturity Date, request that the Lenders make one or more advances under this Note (each,
an “Advance”). Advances may be requested in any manner including orally or in writing, whether by electronic means or otherwise. The Lenders may, in their sole and absolute discretion, elect to make or decline to make any Advance requested
by the Maker hereunder, and may disburse the proceeds of any Advance or any other financial accommodation made hereunder by deposit with any bank or other financial institution to or for the account of the Maker, or to or for the account of any
third-party designated by the Maker, or by an instrument payable to the Maker or to any such third-party, or in any other manner requested by the Maker and deemed appropriate by the Lenders. The Lender may maintain from time to time, at its
discretion, records as to any and all Advances and other financial accommodations made or repaid and interest accrued, paid or deferred under this Note. All entries made on any such record shall be presumed correct absent manifest error. MAKER
ACKNOWLEDGES THAT ALL ADVANCES WHICH LENDERS MAY ELECT TO MAKE UNDER THIS NOTE SHALL BE REPAYABLE ON DEMAND MADE AT ANY TIME FOLLOWING THE SIX (6) MONTH ANNIVERSARY OF THE ISSUANCE DATE. The credit facility established hereunder is a
discretionary facility, and the Lenders have not committed to provide any loan or other financial accommodation to the Maker. The Maker acknowledges that the Lenders may elect not to make any Advance or other financial accommodation requested by the
Maker, and may demand repayment of all Advances and other financial accommodations extended to the Maker hereunder, for any reason or for no reason, and regardless of whether or not a default has occurred or is continuing, at any time following the
six (6) month anniversary of the Issuance Date. 
 Interest on this Note shall accrue at a fixed rate per annum equal to 6.50%. The interest
only on this Promissory Note shall be payable on December 31, 2013 and at Maturity Date. This Note and any accrued interest, fees and expenses due or to become due hereunder shall be immediately and automatically due and payable, without
any further act or condition, upon the occurrence of a “Bankruptcy Event” (as hereinafter defined). 
 Upon the commencement of any proceeding
under any bankruptcy law by or against the Maker (or if Maker is other than an individual-dissolution, liquidation or termination of the Maker) the entire principal balance and all accrued interest, fees, and expenses shall automatically become
immediately due and payable in full, without any declaration, presentment, demand, protest or other notice of any kind. Upon any default, the undersigned, and all 

 
endorsers, sureties and guarantors hereof hereby jointly and severally agree to pay all costs and expenses (including reasonable attorney fees and legal expenses, whether or not legal proceedings
are commenced) incurred in the collection of this Note and waive presentment for payment, notice of nonpayment, protest, notice of protest and diligence in enforcing payment hereunder or brining suit against any parties hereto. Each of the
endorsers, sureties and guarantors hereof consent that the time for payment may be extended, or this Note may be renewed or other persons liable on this Note may be released, from time to time, without notice to them and without affecting their
liability hereon. 
 The following assets shall constitute collateral for this Note: purchase money lien in all accounts, any receivables, inventory,
machinery, equipment, supplies, general intangibles, furniture and fixtures purchased with the funds shall be held as collateral for the funds Advanced herein. The Maker agrees that the Lenders may file liens against the collateral without the
signature of the Maker. The Maker agrees not to pledge any of the assets listed above as collateral for any other obligation. 
 The Note may be prepaid in
full or in part at any time without premium or penalty. All payments made on this Note, including prepayments, shall be applied first to the payment of fees and expenses due hereunder, second to the payment of accrued interest, and the balance to
the principal; provided, however, that if more than one payment is made by Maker during any calendar month, the holder of this Note may, at its discretion, apply all or any portion of such payments first to principal and then to accrued interest,
fees and expenses. 
 The undersigned, if more than one, shall be jointly and severally liable hereunder, and the term “undersigned” wherever used
herein, shall mean the undersigned or any one or more of them. 
 This Note shall be governed by, interpreted and construed in accordance with the laws of
the State of Delaware. 
 No waiver of any right or remedy hereunder shall be valid unless in writing executed by the holder of this Note, and any such
waiver shall be effective only in the specific instance and for the specific purpose given. All rights and remedies of the holder of this Note shall be cumulative and may be exercised singly, concurrently, or successively. 

This Note shall bind the Maker and the heirs, personal representatives, successors, and permitted assigns of the Maker. This Note shall benefit the holder of
this Note and the heirs, personal representatives, successors, and permitted assigns of the holder. 
  

							
		 		 	MAKER:
			
	333 North Alabama Street	 		 	CTI Group (Holdings) Inc.
	Suite 240	 		 		 	
	Indianapolis, IN 46204	 		 		 	
		 		 	By:	 	 /s/ Manfred Hanuschek

		 		 	Name:	 	Manfred Hanuschek
		 		 	Title:	 	Chief Financial Officer
				
		 		 	Dated:	 	October 30, 2013

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