OUR MISSION First Commonwealth is committed to building share- holder value. It is our mission, our highest priority. Value is delivered through a combination of total return (dividend yields plus market price appreciation), market liquidity (the ease of buying or selling First Common- wealth shares), and shareholder services. This section of our annual report summarizes the many services that are made available to our shareholders. The Annual Meeting of Shareholders will be held at: First Commonwealth Place 654 Philadelphia St., Indiana, PA On Monday, April 21, 2003 at 3:00 PM. First Commonwealth Financial Corporation common stock is listed on The New York Stock Exchange and is traded under the symbol FCF. Current market prices for First Commonwealth Financial Corporation common stock can be obtained from your local stock broker or by calling the Corporation at (724) 349-7220 (in Indiana, PA) or 1-800-331-4107 (outside Indiana, PA). A copy of the Form 10K as filed with the Securities and Exchange Commission will be provided to any shareholder on request to the Corporation, to the attention of the Corporate Secretary. Requests for information or assistance regarding the corporation should be directed to the Corporation, to the attention of Shareholder Relations, 1-800-331-4107. First Commonwealth Financial Corporation's Dividend Reinvestment Plan offers shareholders an opportunity to reinvest their dividends in additional shares of the Corporation's common stock. Once enrolled in the plan, participants may also purchase shares through voluntary cash investments. For more information on the plan, please call The Bank of New York, Plan Administrator, at 1-800-524-4458. For shareholders who do not participate in the Dividend Reinvestment Plan, Automated Direct Dividend Deposit Service is available for direct deposit of quarterly dividend payments to a checking or savings account. To enroll, please call The Bank of New York at 1-800-524-4458 for an Authorization Form (completed forms must be received by the Bank 30 days prior to dividend payment date). Receive and Deliver Department P.O. Box 11002 Church Street Station New York, NY 10286 Subject to the approval of the Board of Directors, quarterly cash dividends are paid on or about the 15th day of January, April, July and October. Shareholder Value Annual Meeting Common Stock Form 10K Investor/Shareholder Inquiries Dividend Reinvestment Dividend Payments Send Certificates For Transfers and Address Changes To: Transfer Agent E-Mail Address: The Bank of New York's Stock Transfer Website: Address Shareholder Inquiries To: Telephone Inquiries: 1-800-524-4458 Shareholder Relations Department P.O. Box 11258 Church Street Station New York, NY 10286 Shareowner-svcs@bankofny.com http://www.stockbny.com The Bank of New York THE MISSION OF FIRST COMMONWEALTH FINANCIAL CORPORATION IS TO MAXIMIZE THE LONG-TERM TOTAL RETURN TO SHAREHOLDERS.