Investor Presentation (2Q2016)

Diversified Loan Portfolio - Energy Exposure ➤ In general, efforts related to the shale oil and gas industry are centered on deposit and wealth management growth as opposed to loan growth ➤Minimal exposure to the oil, gas, and coal industry ■ Direct exposure is approximately 1% of $5.1B total loan portfolio Indirect exposure is an additional approximate 2% of the total loan portfolio ➤ Review of loans to the oil, gas, and coal industry performed during the fourth quarter of 2015 did not identify any material portfolio weakness on an aggregate basis ■ No material change in credit quality as of March 31, 2016 ➤While reduced oil and natural gas prices have led to a slowdown in new well drilling, investments continue to be made in our regions by large energy companies as these stronger energy players see the proven leases as a long-term investment opportunity Note: loan and asset data as of 3/31/16 7

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