Investor Presentation (2Q2016)

Retail Banking Strategies Efficient financial center network with effective staff management and technology utilization supported by centralized, low-cost back office functions ➤ Full suite of treasury management products, including international services, and enhanced wire and lockbox capabilities Transitioning financial center personnel from transaction-based to sales- based activity Full integration of CRM system to ensure relationship building and referrals ▪ Centers in key markets have bankers licensed to offer investment products Majority of center managers have completed or are enrolled in our Business Banking Academy program Strong growth in securities sales, business banking loans, and e-banking fees ■ ➤ Continuous reviews for financial center optimization Technology deployments and an omni-channel distribution model ▪ Since 2012, closed nine offices, downsized five, and opened three new offices in more attractive markets Note: location data as of 3/31/2016 10

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