Investor Presentation (2Q2016)

Investment Rationale ▸ Diversified and well-balanced regional financial services company Disciplined growth, balanced by a fundamental focus on expense management, that delivers positive operating leverage and increases shareholder value > Strong legacy of credit and risk management ► Favorable asset quality when compared to regional and national peers Well-defined growth strategies for long-term success of key stakeholders ➤ Focus on returning value to shareholders > Stock trades at a 1-2x multiple discount - despite above peer financial performance Well-positioned for continued, high-quality growth with strong upside market appreciation potential 23

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