Investor Presentation (2Q2016)

Net Interest Margin Net interest margin has been impacted due to ▪ A change in the mix of investments to total earning assets and lower yields on securities portfolio primarily due to the ESB Financial merger Repricing of existing loans and competitive pricing on new loans ▪ “Lower for longer” interest rate environment with a flatter yield curve and LIBOR swap spreads > Positioned for asset sensitivity in rising rate shock and ramp environments ■ 3.53% 2012 3.58% 2013 Net Interest Margin (FTE) 3.61% 2014 Annual 3.41% 2015 I 3.63% 3.59% 1Q14 1Q15 Quarterly 3.29% 1Q16 17

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