FNB paid cash dividends on its common stock totaling $0.48 per share in 2009. Based on the exchange ratio and FNB’s annual dividend rate thus far in 2010 of $0.48 per share, holders of our common stock can anticipate receiving a dividend at an annual rate of $1.66 per each share of our common stock currently held. Since March 2010, we have not paid any dividends on our common stock and, pursuant to a Federal Reserve Board directive, may not pay any cash dividends in the future unless we receive the prior approval of the Federal Reserve Board to pay any dividend or other distribution in respect of our common stock. Although FNB has no current plan or intention to change its dividend rate, FNB’s board of directors may, subject to applicable law, change its dividend rate in the future. FNB’s ability to pay dividends on its common stock is subject to various legal and regulatory limitations. .