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Disclosure for F.N.B. Corporation

I, Andy Stapp, certify that this report reflects my personal beliefs about this company and that no portion of my compensation was, is or will be directly or indirectly related to the specific recommendations or views discussed in this report.

• B. Riley & Co., LLC does and seeks to do business with companies covered in its research reports
• A portion of this analyst’s compensation is based on the investment banking activities of B. Riley & Co., LLC.

Initiated Coverage on 12/14/2007 with "Neutral" Rating and Price Target of $15.00

Ratings Distribution as of September 5, 2010				% with Investment Banking Relationships
Rating	Number of Companies	Percent of Total		Rating	Number of Companies	Percent of Total
Buy	82	75.9%		Buy	3	100.0%
Neutral	25	23.1%		Neutral	0	0.0%
Sell	1	0.9%		Sell	0	0.0%
Total	108	100%		Total	3	100%

Explanation of B. Riley & Co. LLC’s Rating System

• Buy: We generally expect "Buy" rated stocks to materially outperform both the S&P 500 and Russell 2000 as well as other stocks in their sector. Further, we believe that the potential reward relative to the potential risk is particularly attractive.
• Neutral: We generally believe "Neutral" rated stocks will perform roughly in line with the S&P 500 and Russell 2000 over the intermediate and long term.
• Sell: We generally expect "Sell" rated stocks to materially underperform both the S&P 500 and Russell 2000 as well as other stocks in their sector. Further, we believe that the potential reward relative to the potential risk is particularly unattractive.

Risks and Considerations

• Acquisition/Integration - The Company recently completed acquisition(s). If the Company fails to successfully integrate the acquisition, the deal may lead to disappointing returns.
• Competition - The industry is highly competitive and many of the Company's competitors have greater resources.
• Economy - Macro-economic issues such as increasing oil and gas prices and a possible drop in consumer spending could have a negative impact on the Company's business.
• Real Estate - A significant percentage of the Company's loans are real estate oriented. Any deterioration in real estate values would impair the value of real estate-based collateral.
• Regional Focus - The Company's operations are clustered in one part of the United States. Thus, its earnings are more vulnerable to any regional economic shock and/or slowdown.
• General Industry - The Company could miss our estimates and/or their financial guidance.
• See the Company's SEC filings, particularly its 10-K filing, for a discussion of further potential risks.