Document:

EX-4.11

 Exhibit 4.11 

PAYING AGENT AGREEMENT 

PAYING AGENT AGREEMENT (the “Agreement”) dated as of August 31, 2018, by and among FNB FINANCIAL SERVICES, LP (“FNB
Financial Services”), F.N.B. CORPORATION, as Guarantor (“FNB”) and FIRST NATIONAL BANK OF PENNSYLVANIA, a national banking association, as Agent (the “Agent”). 

BACKGROUND 
 FNB
Financial Services has registered under the Securities Act of 1933, as amended (the “1933 Act”), Five Hundred Million Dollars ($500,000,000) aggregate principal amount of its Series 2018 Nonnegotiable Subordinated Term Notes, Series 2018
Nonnegotiable Subordinated Daily Notes and Series 2018 Nonnegotiable Subordinated Special Daily Notes (collectively the “Notes”), which are fully and unconditionally guaranteed by FNB, and issued under and pursuant to the Indenture, dated
as of August 16, 2005, by and among FNB Financial Services, as Issuer, FNB, as Guarantor, and The Bank of New York Mellon Trust Company, N.A. (as successor to J.P. Morgan Trust Company, National Association), as Trustee, as amended by the
Supplemental Indenture by and among FNB Financial Services, FNB and The Bank of New York Mellon Trust Company, N.A., as Trustee, dated as of August 30, 2016 (the “Indenture”). The Indenture permits, among other things, the appointment
of a paying agent for the purpose of receiving amounts due from FNB Financial Services or FNB under, and making payments due in respect to, Securities (as defined in the Indenture), such as the Notes, maintaining books with respect to Securities (as
defined in the Indenture), such as the Notes, acting as depository with respect to certain funds to be established thereunder and undertaking certain other duties described therein. 

FNB Financial Services, FNB, as Guarantor, and Regency Finance Company, as Agent, previously entered into an Agency Agreement, dated as of
August 16, 2005 (the “Initial Agency Agreement”), pursuant to which, among other things, Regency Finance Company was appointed to serve as the paying agent and the sales agent for any Securities (as defined in the Indenture) issued by
FNB Financial Services under the Indenture. 
 Regency Finance Company has resigned from all duties as paying agent and sales agent under
the Initial Agency Agreement and effective as of the date hereof, the Initial Agency Agreement shall be terminated. 
 Under and subject to
the terms and conditions hereof, FNB Financial Services desires to appoint the Agent, and the Agent desires to serve, as the successor paying agent for the Notes (the “Paying Agent”). 

In consideration of the premises and the mutual agreements hereinafter contained, and other valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, and intending to be legally bound hereby, the parties hereto agree as follows: 

 ARTICLE I 

RULES OF INTERPRETATION 

Section 1.1 General. Capitalized terms used in this Agreement which are not defined herein shall have the meanings assigned to
them in the Indenture, unless the context or use indicates another or different meaning or intent. Definitions shall be equally applicable to both singular and plural forms of any of the words and terms therein or herein defined. The words
“herein” and “hereof” and words of similar import, without reference to any particular article, section or subsection, refer to this Agreement as a whole rather than to any particular article, section or subsection hereof. 

Section 1.2 Governing Law. This Agreement shall be governed by, and construed in accordance with, the laws of the State of
Delaware excluding its choice of law principles that would require the application of the laws of another jurisdiction. 
 ARTICLE II 

REPRESENTATIONS AND WARRANTIES 

Section 2.1 FNB Financial Services Representations and Warranties. FNB Financial Services hereby represents and warrants that it
has full power and authority to execute, deliver and perform its obligations under this Agreement, the Indenture, the Notes and any other agreements entered into by it and related to the Notes. 

Section 2.2 FNB Representations and Warranties. FNB hereby represents and warrants that it has full power and authority to
execute, deliver and perform its obligations under this Agreement, the Indenture, the Notes and any other agreements entered into by it and related to the Notes. 

Section 2.3 Agent Representations and Warranties. The Agent hereby represents and warrants that it has full power and authority to
execute, deliver and perform its obligations under this Agreement. 
 ARTICLE III 

DUTIES OF THE AGENT 

Section 3.1 Appointment as Paying Agent; Acceptance of Paying Agent Duties. As provided in the Indenture, FNB Financial Services hereby
appoints the Agent as Paying Agent for the Notes and any other Securities issued under the Indenture. The Agent acknowledges that it has received and reviewed the Indenture and hereby accepts such appointment and agrees to perform all of the duties
and obligations of the Paying Agent (the “Paying Agent Duties”) pursuant to the Indenture, subject to the terms and conditions contained in this Agreement. The Paying Agent shall: 

 

  
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 (1) give the Trustee notice of any default by FNB Financial Services or FNB (or other
obligor upon the Notes) in the making of any payment of principal or interest on the Notes; and 
 (2) at any time during the continuance of
any such default, upon the written request of the Trustee, forthwith pay to the Trustee all sums held in trust by the Paying Agent. 

ARTICLE IV 
 EXPENSES; ABSENCE
OF COMPENSATION; INDEMNIFICATION 
 Section 4.1 Payment of Fees and Expenses; Absence of Compensation. The Agent shall be
responsible for the payment all fees, charges and out-of-pocket expenses incurred by the Agent in performing its Paying Agent Duties; provided, however, that the Agent
may be reimbursed by FNB Financial Services or FNB for such fees, charges and out-of-pocket expenses as FNB Financial Services or FNB and the Agent may agree from time to time. The Agent shall not be
compensated for its services and the performance of the Paying Agent Duties hereunder. 
 Section 4.2 Indemnification of
Agent. FNB Financial Services and FNB shall indemnify and hold harmless the Agent against any and all losses, claims, damages, liabilities and expenses (or actions in respect thereof) which the Agent may sustain or incur or which may be asserted
against the Agent as a result of any inaccuracy in the information furnished to the Agent by FNB Financial Services or FNB in connection with the Agent’s performance of services hereunder, or any action taken or omitted by the Agent in
connection with its performance of services hereunder; provided that the Agent shall not be indemnified and held harmless from and against any such loss, claim, damages, liabilities and expenses incurred by reason of the Agent’s breach of its
obligations under this Agreement, willful misfeasance, bad faith or gross negligence in the performance of its duties, or its reckless disregard of its duties and obligations hereunder. 

Section 4.3 Indemnification of FNB Financial Services and FNB. The Agent shall indemnify and hold harmless FNB Financial Services
and FNB against any and all losses, claims, damages and liabilities arising out of the Agent’s breach of any representation, warranty or covenant contained herein. 

ARTICLE V 
 DUTIES OF FNB
FINANCIAL SERVICES 
 Section 5.1 Preparation of Forms. FNB Financial Services shall timely prepare and distribute to the
Holders of the Notes and the Internal Revenue Service (the “IRS”), IRS Forms 1099 and such other forms and reports as may be required pursuant to applicable law. All information necessary to prepare such forms and reports which is held by
the Agent shall be delivered to FNB Financial Services in a timely fashion so as not to hinder FNB Financial Services in meeting its obligations hereunder. 

  
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 ARTICLE VI 

MISCELLANEOUS 

Section 6.1 Term of Agreement. This Agreement shall remain in full force and effect until the earlier of (i) such time as
the principal of and interest on all Securities outstanding under the Indenture shall have been paid, and (ii) the effective date of the resignation or removal of the Agent in accordance with Section 6.4 hereof. 

Section 6.2 Amendments. 

(1) No amendment or modification of any provision of this Agreement shall be effective unless the same shall be in writing and signed by all
the parties hereto. 
 (2) The parties agree that they will not amend any provision in the Indenture or any other agreement affecting, in
any material respect, the duties or rights of the Agent without the prior written consent of the Agent. 
 Section 6.3 Notices.
Any notices, requests or other communications given or made pursuant to the Indentures or any other agreement affecting the duties or rights of the Agent shall be made as specified in the New Indenture. All such notices, requests or other
communications shall be directed to the Agent at its administrative office located at One South Hermitage Rd., Hermitage, Pennsylvania 16148. The parties may, by notice given pursuant to this Section, designate any different address to which
subsequent communications shall be sent. 
 Section 6.4 Resignation and Removal. The Agent may resign from, and may be
removed from, the performance of all of the Paying Agent Duties upon 60 days written notice. No such resignation or removal shall take effect until the acceptance of appointment of a successor agent for such duties. 

Section 6.5 Successors. Any corporation or association into which the Agent may be converted or merged, or with which it may be
consolidated, or any corporation or association resulting from any such conversion, merger or consolidation to which it is a party, shall be and become successor agent hereunder invested with all of the rights, powers, trusts, duties and obligations
of the Agent hereunder, without the execution or filing of an instrument or any further act. 
 Section 6.6 Action Due on
Saturdays, Sundays and Holidays. If any date on which a payment, notice or other action required by this Agreement or the Indenture falls on other than a Business Day, then that action or payment need not be taken or made on such date, but may
be taken or made on the next succeeding Business Day on which the Agent is open for business with the same force and effect as if made on such day. 

Section 6.7 Conflicts; Interpretation. If there is any conflict between provisions of this Agreement and provisions of the
Indenture, the provisions of the Indenture shall control. Subject to the foregoing, the Agent may construe any ambiguous or inconsistent provision of this Agreement and any construction of a provision by the Agent shall be binding upon FNB Financial
Services and FNB. 

  
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 Section 6.8 Headings. The headings in this Agreement are for purposes of
reference only and shall not in any way limit or otherwise affect the meaning or interpretation of any of the terms hereof.  

Section 6.9 Remedies. Unless otherwise specified herein, in the event that any party breaches or violates any of the obligations
contained in this Agreement, each other party shall be entitled to exercise any right and seek any remedy available to it either at law or in equity, including, without limitation, damages and injunctive relief. The exercise of any right or the
seeking of any remedy shall not preclude the concurrent or subsequent exercise of any other right or the seeking of any other remedy, and all rights and remedies shall be cumulative. 

Section 6.10 Entire Agreement; Benefit of the Agreement. This Agreement constitutes the entire agreement among the parties with
respect to the subject matter hereof, and any prior agreements or understandings between any of the parties to this Agreement relating to such subject matter are hereby superseded to the extent inconsistent with this Agreement. This Agreement is
solely for the benefit of the parties hereto and their successors and assigns, and no other person shall acquire or have any rights under or by virtue hereof. This Agreement shall be binding upon and shall inure to the benefit of the parties and
respective permitted successors and assigns. 
 Section 6.11 No Implied Waivers. The rights of any party under any
provision of this Agreement shall not be affected by its prior failure to require the performance by any other party under such provision or any other provision of this Agreement, nor shall the waiver by any party of a breach of any provision hereof
constitute a waiver of any succeeding breach of the same or any other provision or constitute a waiver of the provision of any other provision itself or any other provision. 

Section 6.12 Counterparts. This Agreement may be executed in two or more counterparts, each of which shall constitute an original
but both or all of which, when taken together, shall constitute but one instrument, and shall become effective when copies hereof which, when taken together, bear the signatures of each of the parties hereto, shall be delivered to each of the
parties hereto. 
 [Remainder of page intentionally blank; signature page follows] 

  
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 IN WITNESS WHEREOF, the Agent, FNB Financial Services and FNB have each caused this
Agreement to be duly executed in its name and on its behalf by its duly authorized officer as of the date above written. 
  

																	
	F.N.B. CORPORATION, as Guarantor	  		 	FNB FINANCIAL SERVICES, LP
						
		  		  		  		 	By:	 	 FNB Consumer Services, Inc., its General Partner

	By:	  	 	  		 		 		 		 		  	
	Name:	  	Vincent Calabrese	  		 		 		 		 		  	
	Title:	  	Chief Financial Officer	  		 		 		 	By:	 	 
		  		  		 		 		 	Name:	  	Mark Lozzi
		  		  		 		 		 	Title:	 	Treasurer
		  		  		 		 		 		 		  	
		  		  		 	 FIRST NATIONAL BANK OF PENNSYLVANIA, as Agent

		  		  		 		 		 		 		  	
		  		  		  		 	 By:
	 	 
		  		  		  		 	 Name:
	 	Vincent Calabrese
		  		  		  		 	 Title:
	 	 Executive Vice President

  
 - 6 -EX-4.13.5

 Exhibit 4.13.5 

Account No.
                             

ACCEPTANCE OF OFFER 
 The
undersigned hereby agrees to purchase, at par, $             in aggregate principal amount of the following securities (the “Securities”) of FNB Financial Services, LP (the
“Company”) offered pursuant to the Prospectus dated August 31, 2018 (as the same may be amended, modified or supplemented, the “Prospectus”), receipt of which is hereby acknowledged: 

 

			
	Security:	 	  

		 	Nonnegotiable Subordinated Term Note (“Term Note”), Nonnegotiable Subordinated Daily Note (“Daily Note”) or Nonnegotiable Subordinated Special Daily Note (“Special Daily Note”)
		
	Term:	 	  

		 	Term Notes only: 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

  

			
	Interest Rate:	 	  

		 	                        Fixed for Term Notes; Initial for Daily Note or Special Daily Note

  

									
	Registration Code:	 	  
	 		 	Account Type:	 	  

		 	IN; JT; UTMA; ITF; POD	 		 		 	                                      
  P; B; O

 The name(s) and address in which the Securities being purchased by the undersigned are to be registered are as follows (all
persons so named must execute this Acceptance of Offer): 
  

									
	  
	  		  	
			
	  
	  		  	Soc. Sec. or E.I. No.
				
	  
	  		  	#	 	  

				
	  
	  		  	Telephone No.	 	  

 EACH UNDERSIGNED HEREBY REPRESENTS AND WARRANTS THAT he/she has received a copy of the Prospectus. 

EACH UNDERSIGNED HEREBY AGREES THAT ALL Securities purchased hereby, whether Term Notes, Daily Notes or Special Daily Notes are subject to all the term and
conditions including, without limitation, subordination of the indebtedness evidenced thereby, as set forth in the Prospectus and the Indenture dated as of August 16, 2005, by and among the Company, as Issuer, F.N.B. Corporation, as 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. 

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). 
 By executing this ACCEPTANCE OF OFFER, I (we), under penalty of perjury, certify that: (I) the number shown on this form is my (our) correct
taxpayer identification number (T.I.N.), (2) I (we) am (are) not subject to backup withholding either because of (a) I (we) am (are) exempt from backup withholding, or (b) I (we) have not been notified by the Internal Revenue Service that
I (we) am (are) subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me (us) that I (we) am (are) no longer subject to backup withholding. (If you have been notified by the IRS
that you are subject to backup withholding, delete the language in (2) above), and (3) I (we) am (are) a U.S. person (including a U.S. resident alien). 

							
	TERM NOTE INTEREST ELECTION (CHECK ONE)	  		  	  

			
	1.            MONTHLY CHECK	  	                                     
                       	  	  

	2.            QUARTERLY CHECK	  	                                     
                       	  	  

	3.            COMPOUND QUARTERLY	  	                                     
                       	  		  	
	4.            MONTHLY DEPOSIT TO DAILY NOTE	  	                                      
                      	  	(This Purchase Agreement must be executed by all persons whose names are to appear on the Securities purchased hereby)

							
				
		  		  	Date:	  	  

			
	DAILY NOTE NUMBER     __________________	  	Opened by:	  	  

  
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