Investor Presentation (1Q2016)

Diversified Loan Portfolio > Realignment of resources to higher growth markets > Focus on Commercial and Industrial (C&I) business with dedicated C&I and Business Banking teams in all metropolitan markets with limited direct and indirect credit exposure to the energy industry > Composition as of 12/31/2010 Comml R/E: Improved Property 49% Commi R/E Land, Construction 5% Comm1 & Industrial 12% Total Loans = $3.3B Consumer 8% HELOC 8% Residential R/E 18% Composition as of 12/31/2015 Comm'l & Industrial 14% Comm'l R/E: Improved Property 38% Comm'l R/E: Land, Construction. 7% Total Loans = Consumer 8% $5.1B HELOC 8% Residential R/E 25% 6

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