Investor Presentation (2Q2016)

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 3/31/2011 Comml & Industrial 12% Comml R/E: Improved Property 49% Comml R/E Land, Construction 5% Total Loans = $3.2B Consumer HELOC Residential RE 18% Composition as of 3/31/2016 Comm'l & Industrial 15% Comm'l R/E: Improved Property 37% Comm'l R/E: Land, Construction. 8% Consumer 8% Total Loans = $5.1B HELOC 8% Residential R/E 24% 6

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