Investor Presentation (2Q2016)

Risk Management and Regulatory Compliance Conservative underwriting standards > Five consecutive "outstanding" CRA ratings > Analyzing cost of processes for crossing the $10B Dodd-Frank threshold ➤ Liquidity, loan, and capital stress testing in preparation for post-$10B DFAST reporting Enhancing our strong compliance management system > Strong risk-based capital ratios well above regulatory requirements Basel III Tier 1 Risk-Based Capital Ratio Basel III Common Equity Tier 1 Capital Ratio 11.49% 11.71% 11.93% 11.66% 11.58% 14.09% 13.47% 13.69% 13.35% 13.30% |||II ||||| 3Q15 3Q15 1Q15 2Q15 4Q15 1Q16 Required 6.0% 1Q15 2Q15 4Q15 1Q16 Required 4.5% 21

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