F.N.B. Corporation FNB Finance Lease Liabilities

We have operating leases primarily for certain branches, office space, land and office equipment. We have finance leases for certain branches. Our operating leases expire at various dates through the year 2046 and generally include one or more options to renew. Our finance leases expire at various dates through the year 2051 and generally include one or more options to renew. The exercise of lease renewal options is at our sole discretion. As of June 30, 2026, we had operating lease right-of-use assets and operating lease liabilities of $208.2 million and $249.5 million, respectively, including $69.1 million in operating right-of-use assets and $99.0 million in operating lease liabilities with a related party. As of June 30, 2026, we had finance lease right-of-use assets and finance lease liabilities of $34.8 million and $38.3 million, respectively.