Document:

<PAGE>

                                                                     EXHIBIT 4.9

                           FNB FINANCIAL SERVICES, LP
                  NONNEGOTIABLE SUBORDINATED SPECIAL DAILY NOTE

      This Nonnegotiable Special Daily Note Register is provided for the
convenience of the Holder. Entries may be made only by an authorized agent of
the Issuer to reflect additional purchases or redemptions. The Issuer will not
be liable for any transaction unless an entry is made herein by an authorized
agent of the Issuer.

           NONNEGOTIABLE SUBORDINATED SPECIAL DAILY NOTE, SERIES 2005

                           FNB FINANCIAL SERVICES, LP
                            Suite 202, 103 Foulk Road
                           Wilmington, Delaware 19803

                         Date of Authentication , 200__

                                No. ____________

      FOR VALUE RECEIVED, FNB FINANCIAL SERVICES, LP (THE "ISSUER") HEREBY
PROMISES TO PAY ON DEMAND THE PRINCIPAL AMOUNT AS RECORDED IN THE REGISTER
TOGETHER WITH ACCRUED INTEREST, SUBJECT TO THE PROVISIONS SET FORTH HEREIN, to

Name    ________________________________________________________________________

Address ________________________________________________________________________
        ________________________________________________________________________

Soc. Sec. or E.I. No. __________________________________________________________

(the "Holder"), in the manner provided for herein.

      This Nonnegotiable Subordinated Special Daily Note shall bear interest on
the unpaid principal amount hereof at the initial rate of _____%. This rate may
fluctuate as described herein. Interest shall accrue daily and be compounded
quarterly.

      To guarantee the due and punctual payment of the principal and interest on
the Securities and all other amounts payable by the Issuer under this Security
and the Indenture 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.

      By acceptance of this Nonnegotiable Subordinated Special Daily Note, the
Holder agrees that its rights and remedies against the Issuer and the Guarantor
with respect to their obligations hereon and under the Guaranty shall be and
remain subordinate to the extent and in the manner set forth herein.

<PAGE>

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

                                 FNB FINANCIAL SERVICES, LP

                                 By: Regency Consumer Financial Services Inc.,
                                     its General Partner

                                 By: _________________________________________
                                     President

                                 By: _________________________________________
                                     Secretary

      THIS NONNEGOTIABLE SUBORDINATED SPECIAL DAILY NOTE IS SUBJECT TO
REDEMPTION PRIOR TO MATURITY. INTEREST ADJUSTMENT AND CERTAIN OTHER TERMS ARE
SET FORTH HEREIN.

      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 GOVERNMENTAL AGENCY.

AUTHENTICATION CERTIFICATE:

      This Nonnegotiable Subordinated Special Daily Note, Series 2005 is one of
the Securities of the series designated herein referred to in the
within-mentioned Indenture.

                               By:  Authenticating Agent

                               By:  ________________________________
                                    Authorized Officer

      This Nonnegotiable Subordinated Special Daily Note 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 January ____, 2005 (herein called the "Indenture"), by
and among the Issuer, F.N.B. Corporation, as Guarantor, and 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 an 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 (a "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

                                       2

<PAGE>

Holder. Upon payment or tender of payment hereof ON DEMAND, 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 ON DEMAND.

      INTEREST RATE ADJUSTMENT. The interest rate will be determined by the
Issuer and may fluctuate on a monthly basis. Any adjustment to the interest rate
will be made on the first day of the month and shall remain in effect until next
adjusted by the Issuer.

      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, or by lot or in any other equitable fashion.

      REDEMPTION BY HOLDER. The Holder shall have the right, at its option, to
cause the Issuer to redeem this Security, in whole or in part, at any time;
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. Holders shall also have the
right to make partial redemptions, provided, however, that such partial
redemptions may not reduce the principal amount of this Security below the
minimum purchase amount.

      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.

      Upon presentation of this Security at a Place of Payment, the Issuer, or
the Issuer's agent, will, for the Holder's convenience, record on the register
attached hereto and made a part hereof any adjustments to the original principal
amount of this Security, such as additional purchases or partial redemptions.

      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 its 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

                                       3

<PAGE>

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 Indebtedness represented by the Securities shall be pari passu with
the obligations of the Guarantor under the Guaranty with respect to the
Indebtedness of the Guarantor under that certain Indenture, dated as of May 15,
1992, as amended, between the Guarantor and J.P. Morgan Trust Company, National
Association, successor trustee to Northern Central Bank, 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,
Redemption Date or 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 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 upon the registration of transfer hereof or
in exchange hereof or in lieu hereof, whether or not notation of such consent or
waiver is made upon this Security.

                                       4

<PAGE>

      The Securities of this series are issuable only in registered form without
coupons in any denomination; provided, however, that a minimum purchase amount
may be established by the Issuer at the time of purchase.

      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.

<TABLE>
<CAPTION>
TRANSACTION DATE                              REC'D/PAID BY             REDEMPTIONS         PURCHASES
------------------------------------------------------------------------------------------------------
<S>                                           <C>                       <C>                 <C>
INITIAL PURCHASE/PRIOR REGISTER BALANCE
______________________________________________________________________________________________________

______________________________________________________________________________________________________

______________________________________________________________________________________________________

______________________________________________________________________________________________________

______________________________________________________________________________________________________

______________________________________________________________________________________________________

______________________________________________________________________________________________________

______________________________________________________________________________________________________

______________________________________________________________________________________________________

______________________________________________________________________________________________________
</TABLE>

                                       5<PAGE>

                                                                    EXHIBIT 4.10

                              LETTER OF TRANSMITTAL

                           FNB FINANCIAL SERVICES, LP

OFFER FOR ALL OUTSTANDING F.N.B. CORPORATION SUBORDINATED NOTES IN EXCHANGE FOR
CORRESPONDING NEW SUBORDINATED NOTES OF FNB FINANCIAL SERVICES, LP WHICH HAVE
BEEN GUARANTEED BY F.N.B. CORPORATION AND REGISTERED UNDER THE SECURITIES ACT OF
1933, AS AMENDED, PURSUANT TO A PROSPECTUS DATED _________________, 2005.

      --------------------------------------------------------------------
     THE EXCHANGE OFFER WILL EXPIRE AT 5:00 P.M., EASTERN STANDARD TIME, ON
    DECEMBER 31, 2005, UNLESS EXTENDED OR TERMINATED (THE "EXPIRATION DATE").
      --------------------------------------------------------------------

                  The Exchange Agent for the Exchange Offer is:

                             REGENCY FINANCE COMPANY
                        AND ITS WHOLLY-OWNED SUBSIDIARY,
                       CITIZENS FINANCIAL SERVICES, INC.,

                       BY MAIL, HAND OR OVERNIGHT COURIER
      TO THE ADMINISTRATIVE OFFICES OF REGENCY FINANCE COMPANY LOCATED AT:
                             3320 EAST STATE STREET
                          HERMITAGE, PENNSYLVANIA 16148
                                 (724) 983-3453
              OR TO ONE OF THE OTHER OFFICES OF THE EXCHANGE AGENT

DELIVERY OF THIS LETTER OF TRANSMITTAL (THE "LETTER OF TRANSMITTAL") TO AN
ADDRESS OTHER THAN AS SET FORTH ABOVE OR TO ONE OF THE OTHER OFFICES OF THE
EXCHANGE AGENT WILL NOT CONSTITUTE A VALID TENDER OF OUTSTANDING NOTES.

A separate copy of this Letter of Transmittal is to be used by each holder (a
"Holder") of F.N.B. Corporation ("FNB") Subordinated Term Notes and/or Daily
Notes (collectively, the "Outstanding Notes," and by class, the "Outstanding
Term Notes" and the "Outstanding Daily Notes"), if Term Notes and/or Daily Note
Registers representing Outstanding Daily Notes are to be physically delivered to
Regency Finance Company and its wholly owned subsidiary, Citizens Financial
Services, Inc. (together, the "Exchange Agent") by such Holder, to be exchanged
for corresponding New Term Notes and/or Daily Note Registers representing New
Daily Notes of FNB Financial Services, LP pursuant to the procedures set forth
in the Prospectus, dated _____________, 2005 (as the same may be amended or
supplemented from time to time, the "Prospectus") under the caption "The
Exchange Offer--Procedures for Tendering Outstanding Notes." Regency Finance
Company also does business as F.N.B. Consumer Discount Company and Finance &
Mortgage Acceptance Corporation.

IN ORDER TO PROPERLY COMPLETE THIS LETTER OF TRANSMITTAL, A HOLDER MUST SIGN
THIS LETTER OF TRANSMITTAL BY COMPLETING THE BOX BELOW ENTITLED "PLEASE SIGN
HERE." If not provided, list below the name and address of the Holder and the
account numbers of the Outstanding Notes to which this Letter of Transmittal
relates. If the space provided is inadequate, list any additional account
numbers on a separate schedule signed by the Holder, and affix the schedule to
this Letter of Transmittal.

                        DESCRIPTION OF OUTSTANDING NOTES

<TABLE>
<CAPTION>
NAME AND ADDRESS OF HOLDER
(PLEASE FILL IN, IF BLANK)                            ACCOUNT NUMBERS
--------------------------                            ---------------
<S>                                                   <C>
</TABLE>

                                PLEASE SIGN HERE

      This Letter of Transmittal must be signed by the Holder of Outstanding
Notes exactly as his, her or its name appears on the Outstanding Notes being
tendered herewith. If the signature is by a trustee, executor, administrator,
guardian, attorney-in-fact, officer or other person acting in a fiduciary or
representative capacity, such person must set forth his or her full title below
under "Capacity" and submit evidence satisfactory to the Company of such
person's authority so to act. See Instruction 2 below.

X       ________________________________________________________________________
                  SIGNATURE OF REGISTERED HOLDER OR AUTHORIZED SIGNATORY

Date:   _______________, 2005

Name:   ________________________________________________________________________

                                    (PLEASE PRINT)
Capacity (if applicable): ______________________________________________________

Address: _______________________________________________________________________
                                       (INCLUDING ZIP CODE)
Area Code and Telephone No.: ___________________________________________________

<PAGE>

      THE EXCHANGE OFFER IS NOT BEING MADE TO (NOR WILL TENDERS OF OUTSTANDING
NOTES BE ACCEPTED FROM OR ON BEHALF OF) HOLDERS IN ANY JURISDICTION IN WHICH THE
MAKING OR ACCEPTANCE OF THE EXCHANGE OFFER WOULD NOT BE IN COMPLIANCE WITH THE
LAWS OF SUCH JURISDICTION. THE SIGNATORY UNDERSTANDS AND AGREES THAT THE COMPANY
RESERVES THE RIGHT NOT TO ACCEPT TENDERED OUTSTANDING NOTES FROM ANY TENDERING
HOLDER IF THE COMPANY DETERMINES, IN ITS REASONABLE DISCRETION, THAT SUCH
ACCEPTANCE COULD RESULT IN A VIOLATION OF APPLICABLE SECURITIES LAWS.

      The Exchange Agent can assist you in completing this form. The
instructions included with this Letter of Transmittal must be followed.
Questions and requests for assistance or for additional copies of this Letter of
Transmittal may be directed to the Exchange Agent, whose address and telephone
number appear on the front cover of this Letter of Transmittal. See Instruction
1 below. All capitalized terms used herein and not defined herein shall have the
meaning ascribed to them in the Prospectus.

               PLEASE READ THE ACCOMPANYING INSTRUCTIONS CAREFULLY

Ladies and Gentlemen:

      By execution hereof, the signatory acknowledges receipt of the Prospectus,
dated _________________, 2005 (as the same may be amended or supplemented from
time to time, the "Prospectus" and, together with this Letter of Transmittal,
the "Exchange Offer"), of FNB Financial Services, LP (the "Company"), and this
Letter of Transmittal and instructions hereto, which together constitute the
Company's offer to exchange the Outstanding Notes of FNB described above for the
corresponding New Subordinated Term and Daily Notes of the Company (the "New
Notes"), which have been fully and unconditionally guaranteed by FNB and
registered under the Securities Act of 1933, as amended (the "Securities Act"),
upon the terms and subject to the conditions set forth in the Exchange Offer.

      Upon the terms and subject to the conditions of the Exchange Offer, the
signatory hereby tenders to the Company the Outstanding Notes indicated above.
Subject to, and effective upon, the acceptance for exchange of the Outstanding
Notes tendered herewith, the signatory hereby exchanges, assigns and transfers
to, or upon the order of, the Company, all right, title and interest in and to
such Outstanding Notes. The signatory hereby irrevocably constitutes and
appoints the Exchange Agent as the true and lawful agent and attorney-in-fact of
the signatory (with full knowledge that the Exchange Agent also acts as the
agent of the Company and FNB) with respect to such Outstanding Notes, with full
power of substitution (such power-of-attorney being deemed to be an irrevocable
power coupled with an interest) to (i) present such Outstanding Notes and all
evidences of authenticity for transfer of ownership on the books of the Company,
FNB and the trustee under the Indentures (the "Trustee"), and (ii) receive all
benefits and otherwise exercise all rights of beneficial ownership of such
Outstanding Notes, all in accordance with the terms of and conditions of the
Exchange Offer as described in the Prospectus.

      The signatory represents and warrants that he, she or it has full power
and authority to tender, exchange, assign and transfer the Outstanding Notes
tendered hereby and to acquire New Notes issuable upon the exchange of such
Outstanding Notes, and that, when the same are accepted for exchange, the
Company will acquire good and unencumbered title to such Outstanding Notes, free
and clear of all liens, restrictions, charges and encumbrances and not subject
to any adverse claim or right. The signatory also warrants that he, she or it
will, upon request, execute and deliver any additional documents deemed by the
Exchange Agent, the Company or FNB to be necessary or desirable to complete the
exchange, assignment and transfer of the Outstanding Notes tendered hereby.

      The Exchange Offer is subject to certain conditions as set forth in the
Prospectus under the caption "The Exchange Offer--Conditions to the Exchange
Offer." The signatory recognizes that as a result of these conditions (which may
be waived by the Company, in whole or in part at any time or from time to time
in the sole discretion of the Company), as more particularly set forth in the
Prospectus, the Company may not be required to exchange any of the Outstanding
Notes tendered hereby and, in such event, the Outstanding Notes not exchanged
will be promptly returned to the signatory at the address shown above.

      The signatory understands that tenders of the Outstanding Notes pursuant
to any one of the procedures described under "The Exchange Offer--Procedures for
Tendering Outstanding Notes" in the Prospectus and in the instructions hereto
will constitute a binding agreement between the signatory and the Company in
accordance with the terms and subject to the conditions of the Exchange Offer.
The Company shall immediately accept and promptly exchange tendered Outstanding
Notes for corresponding New Notes upon a determination that a tender has been
validly made and there are no conditions to the Exchange Offer which have not
been satisfied or waived. The signatory hereby requests that Exchange Notes be
issued in the same name(s) as the Outstanding Notes tendered hereby. All
authority herein conferred or agreed to be conferred by this Letter of
Transmittal and every obligation of the signatory hereunder shall be binding
upon the heirs, legal representatives, successors and assigns, executors,
administrators and trustees in bankruptcy of the signatory and shall survive the
death or incapacity of the signatory.

      The signatory understands that the delivery and surrender of the
Outstanding Notes is not effective, and the risk of loss of the Outstanding
Notes does not pass to the Exchange Agent, until receipt by the Exchange Agent
of this Letter of Transmittal, or a manually signed facsimile hereof, properly
completed and duly executed, together with all accompanying evidences of
authority and any other required documents in form satisfactory to the Exchange
Agent and the Company. All questions as to form of all documents and the
validity (including time of receipt) and acceptance of tenders of Outstanding
Notes will be determined by the Company in its sole discretion, which
determination shall be final and binding.

                                  INSTRUCTIONS

1.    DELIVERY OF THIS LETTER OF TRANSMITTAL, OUTSTANDING TERM NOTES AND/OR
      DAILY NOTE REGISTERS REPRESENTING OUTSTANDING DAILY NOTES.

      To tender Outstanding Notes in the Exchange Offer, physical delivery of
Term Notes and Daily Note Registers representing Outstanding Daily Notes, as
well as a properly completed and duly executed copy or manually signed facsimile
of this Letter of Transmittal, and any other documents required by this Letter
of

                                       2

<PAGE>

Transmittal, must be received by the Exchange Agent at its address set forth
herein prior to the Expiration Date. Tenders of Outstanding Notes in the
Exchange Offer may be made prior to the Expiration Date in compliance with this
Letter of Transmittal. THE METHOD OF DELIVERY OF THIS LETTER OF TRANSMITTAL,
TERM NOTES AND DAILY NOTE REGISTERS REPRESENTING OUTSTANDING DAILY NOTES AND ALL
OTHER REQUIRED DOCUMENTS TO THE EXCHANGE AGENT, IS AT THE ELECTION AND RISK OF
THE HOLDER TENDERING OUTSTANDING NOTES. IF SUCH DELIVERY IS MADE BY MAIL, IT IS
SUGGESTED THAT THE HOLDER USE PROPERLY INSURED, REGISTERED MAIL WITH RETURN
RECEIPT REQUESTED AND THAT SUFFICIENT TIME SHOULD BE ALLOWED TO ASSURE TIMELY
DELIVERY. NO ALTERNATIVE, CONDITIONAL OR CONTINGENT TENDERS OF OUTSTANDING NOTES
WILL BE ACCEPTED. A TENDER WILL BE DEEMED TO HAVE BEEN RECEIVED AS OF THE DATE
WHEN THE TENDERING HOLDER'S PROPERLY COMPLETED AND DULY SIGNED LETTER OF
TRANSMITTAL ACCOMPANIED BY THE OUTSTANDING NOTES IS RECEIVED BY THE EXCHANGE
AGENT. THIS LETTER OF TRANSMITTAL, OUTSTANDING TERM NOTES AND DAILY NOTE
REGISTERS REPRESENTING OUTSTANDING DAILY NOTES AND ANY OTHER REQUIRED DOCUMENTS
SHOULD BE SENT ONLY TO THE EXCHANGE AGENT, NOT TO THE COMPANY OR THE TRUSTEE.

2.    SIGNATURES ON THIS LETTER OF TRANSMITTAL.

      The signature of the Holder on this Letter of Transmittal must correspond
with the name as written on the face of the Outstanding Term Notes and/or Daily
Note Register(s) representing Outstanding Daily Notes tendered hereby, without
alteration. If any of the Outstanding Notes tendered hereby are registered in
the name of two or more Holders, any such Holder may sign this Letter of
Transmittal. If any Outstanding Notes to be tendered for exchange are registered
in a different name from the Holder signing this Letter of Transmittal, it will
be necessary to complete, sign and submit as many separate copies of this Letter
of Transmittal and any necessary accompanying documents as there are different
names in which such Outstanding Notes are held. If this Letter of Transmittal or
any Outstanding Term Notes and/or Daily Note Registers representing Outstanding
Daily Notes are signed by trustees, executors, administrators, guardians,
attorneys-in-fact, officers of corporations or others acting in a fiduciary or
representative capacity, such persons should so indicate when signing, and
proper evidence satisfactory to the Company of their authority so to act must be
submitted with this Letter of Transmittal.

3.    TRANSFER TAXES.

      Although the Company believes no transfer taxes will apply to the exchange
of Outstanding Notes pursuant to the Exchange Offer or otherwise, it reserves
the right to require the tendering Holder to pay any transfer tax which may
apply for any reason other than the exchange of Outstanding Notes pursuant to
the Exchange Offer.

4.    IRREGULARITIES.

      All questions as to the form of all documents and the validity (including
time of receipt) and acceptance of all tenders of Outstanding Notes will be
determined by the Company, in its sole discretion, which determination shall be
final and binding. The Company reserves the absolute right to reject any and all
tenders of Outstanding Notes that are not in proper form or the acceptance of
which, in the Company's opinion, may be unlawful. The Company also reserves the
right to waive any of the conditions of the Exchange Offer or any defect or
irregularities in tenders of any particular Holder whether or not similar
defects or irregularities are waived in the case of other Holders. The Company's
interpretations of the terms and conditions of the Exchange Offer (including the
instructions in this Letter of Transmittal) will be final and binding. Any
defect or irregularity in connection with tenders of Outstanding Notes must be
cured within such time as the Company determines, unless waived by the Company.
Tenders of Outstanding Notes shall not be deemed to have been made until all
defects or irregularities have been waived by the Company or cured. A defective
tender (which defect is not waived by the Company or cured) will not constitute
a valid tender of Outstanding Notes and will not entitle the Holder to New
Notes. None of FNB, the Company, the Trustee, the Exchange Agent or any other
person will be under any duty to give notice of any defect or irregularity in
any tender of any Outstanding Notes, or incur any liability to Holders for
failure to give any such notice.

5.    WAIVER OF CONDITIONS.

      The Company reserves the right, in its sole discretion, to amend or waive,
in whole or in part and at any time or from time to time, any of the conditions
to the Exchange Offer.

6.    MUTILATED, LOST, STOLEN OR DESTROYED TERM NOTES OR DAILY NOTE REGISTERS.

      Any Holder whose Outstanding Term Notes or Daily Note Registers
representing Outstanding Daily Notes have been mutilated, lost, stolen or
destroyed should write to or telephone the Exchange Agent at the address or
telephone number set forth on the front cover of this Letter of Transmittal.

7.    REQUESTS FOR ASSISTANCE OR ADDITIONAL COPIES.

      Questions relating to the procedure for tendering Outstanding Notes and
requests for assistance or additional copies of the Prospectus, this Letter of
Transmittal or other documents may be directed to the Exchange Agent, whose
address and telephone number appear above.

                                       3

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