Investor Presentation (2Q2016)

Well-Positioned in Growing Wealth Markets ~90% of deposits and trust assets located in Marcellus/Utica shale regions Ann Arbor Shale Formations Marcellus Utica Median Household Income More than $82,000 $68,001 to $82,000 $53,001 to $68,000 $39,001 to $53,000 $24,001 to $39,000 end apolis MI Fort Wayne Quisville Don mcinnati Frankfort Lexington Livonia -Toledo Detroit OH plumbus Cleveland Akron Charleston Ene Pittsburgh Note: assets and location data as of 3/31/2016; household income data as of 2012 (source: SNL) VA PA NY Harrisburg. C "Baltimore Richmond Alle Phila Washington M Annapolis Arlington Alexandria 9

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