Investor Presentation (2Q2016)

Strong Culture of Expense Management ➤ Scalable technology infrastructure supports both organic and acquisition growth without significant additional investment > Utilize technology to reduce travel cost and enhance communication Communication infrastructure modernization has reduced communication costs more than 40% since 2013 ■ Upgrade of corporate phone systems and increased utilization of video conferencing Elimination of all personal computers with installation of "thin-client" technology 61.4% 59.5% 62.2% 2011 61.0% Efficiency Ratio 2012 62.2% 61.0% 61.6% 2013 59.6% 58.7% 57.1% 2014 --Peer Average -WSBC Note: financial data as of 12/31/2015; please see the efficiency ratio reconciliation in the appendix; peer average efficiency ratio represents a simple average of WSBC's peer group (source - as of 5/2/16: SNL, company reports); peer group includes SRCE, CHFC, CBU, EGBN, FNB, FCF, FFBC, FRME, NBTB, ONB, PRK, PNFP, STBA, TMP, TOWN, UBSH, UBSI 59.0% 2015 55.5% 2016 (3/31) 11

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