Document:

EX-4.6.2

EXHIBIT 4.6.2

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 (as
successor 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:

     (1) There shall be the following Securities issuable under the Indenture and pursuant to this
General Partner Certificate: (i) Subordinated Term Notes, Series 2008 (the “Term Notes”); (ii)
Subordinated Daily Notes, Series 2008 (the “Daily Notes”); and (iii) Subordinated Special Daily
Notes, Series 2008 (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 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.

     (6) The interest rate payable on each maturity of 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.

     (7) 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.

     (8) 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.
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.

     (9) 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

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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 of the 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.

     (10) 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.

     (11) The principal amount of each Term Note shall be payable in one lump sum on the Maturity
Date 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.

     (12) 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.

     (13) 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.

     (14) 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.

     (15) The Notes shall not be issued, in whole or in part, in the form of a global security or
securities.

     (16) The Notes will be subordinate to the prior payment when due of the principal of, and
interest on, all Senior Indebtedness.

     (17) 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.

     (18) 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.

     (19) The undersigned has examined the aforementioned provisions of the Indenture and discussed
them with representatives of McDonald Hopkins LLC, counsel to the Company.

     (20) 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 issuance and delivery of the
Notes have been complied with.

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(21) The undersigned believes that all conditions precedent to the issuance 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 ___ day of October, 2008.

	 	 	 	 	 	 	 
	REGENCY CONSUMER FINANCIAL SERVICES INC.	 	 	 	 
	 
	 	 	 	 	 	 
	By:

	 	 	 	By:	 	 
	 

	 	 
	 	 	 	 
	Name:

	 	Charles O. Moore
	 	Name:
	 	Mark D. Lozzi
	Title:

	 	President
	 	Title:
	 	Secretary/Treasurer
	 
	 	 	 	 	 	 
	Received and Acknowledged by the Trustee	 	 	 	 
	 
	 	 	 	 	 	 
	By:
	 	 	 	 	 	 
	 

	 	 	 	 	 	 
	Name:
	 	 	 	 	 	 
	Title:
	 	 	 	 	 	 

4EX-4.7.2

EXHIBIT 4.7.2

                     MONTH

NONNEGOTIABLE SUBORDINATED TERM NOTE, SERIES 2008

FNB FINANCIAL SERVICES, LP

Suite 202, 103 Foulk Road

Wilmington, Delaware 19803

	 	 	 	 	 	 	 	 	 
	Date of Authentication

	 	 	 	 	 	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 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 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.

     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

	 	AUTHENTICATION CERTIFICATE: This Nonnegotiable Subordinated
Term Note is one of the
Securities of the series
designated herein referred to
in the within-mentioned
Indenture.	 	 
	             
                        
    Paid Monthly
	 	 	 	 
	 
	 	 	 	 
	             
                        
    Paid Quarterly

	 	          By:
Authenticating Agent

	 	 
	 

	 	           Authorized Officer

	 	 
	             
                        
    Compounded Quarterly

	 	 	 	 

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.

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

	 	 
	 	 	 	 
	 

	 	Secretary
	 	 	 	President

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[Reverse of Note]

     This Nonnegotiable Subordinated Term Note, Series 2008 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, and The Bank of New York
Mellon (as successor 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 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 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.

     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) nine 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 redemptions 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.

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     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 passu with the Indebtedness of the Guarantor under that
certain Indenture, dated as of May 15, 1992, as amended, between the Guarantor and The Bank of New
York Mellon (as successor to 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 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

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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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