HBMD Howard Bancorp Inc

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 15

CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION

UNDER SECTION 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934

OR SUSPENSION OF DUTY TO FILE REPORTS UNDER SECTIONS 13 AND 15(d)

OF THE SECURITIES EXCHANGE ACT OF 1934.

Commission File Number 001-35489

Howard Bancorp, Inc.

(Exact name of registrant as specified in its charter)

c/o F.N.B. Corporation

12 Federal Street

One North Shore Center

Pittsburgh, Pennsylvania 15212

(800) 555-5455

(Address, including zip code, and telephone number, including area code, of registrant’s principal executive offices)

Common Stock, par value $.01 per share

(Title of each class of securities covered by this Form)

None

(Titles of all other classes of securities for which a duty to file reports under section 13(a) or 15(d) remains)

Please place an X in the box(es) to designate the appropriate rule provision(s) relied upon to terminate or suspend the duty to file reports:

Approximate number of holders of record as of the certification or notice date: None

Effective January 22, 2022, Howard Bancorp, Inc. merged with and into F.N.B. Corporation, with F.N.B. Corporation surviving the merger as the surviving corporation.

Pursuant to the requirements of the Securities Exchange Act of 1934, F.N.B. Corporation (as successor by merger to Howard Bancorp, Inc.) has caused this certification/notice to be signed on its behalf by the undersigned duly authorized person.

Date: February 3, 2022