20 Church Street  Liberty Corner, NJ 07938  P: (908) 604-9336  F: (908) 604-5951  finpro@finpro.us  www.fi

1. About the Firm 20 Church Street  Liberty Corner, NJ 07938  P: (908) 604-9336  F: (908) 604-5951  finpro@finpro.us www.finpro.us

2. Consulting Division • PARTNERSHIP • Partnership with Enterprise Risk Management • Limited Partnership • STRATEGIC ADVISORY • Strategic Plan • Conversion Plan • Plan Update • Capital Plan • Strategic Alternative Review • BALANCE SHEET MANAGEMENT • Dynamic Asset Liability Management • Deposit Study • Asset Liability Management Review • Allowance for Loan and Lease Loss Methodology • INVESTMENT DUE DILIGENCE • 939A Investment Analysis • Portfolio Review • ENTERPRISE RISK MANAGEMENT • Enterprise Risk Management • DE NOVO BANK CONSULTATION • De Novo Strategic Business Plan • MARKET FEASIBILITY • Site Study • Market Ranking • Branch Improvement • Customer Segmentation • REGULATORY • Formal and Informal Order Resolutions • Expert Testimony • Regulatory Consulting • Policy Development and Review • CRA • The Consulting Division is focused on serving FinPro clients throughout their lifecycle, providing institution specific advice. FinPro offers a full array of consulting services designed to align with our core principle of building value together.

3. Enterprise Risk Management Enterprise Risk Management (“ERM”) is the process of Identifying, Measuring, Monitoring and Controlling all risks in a given entity. Many banks have some form of risk assessment, but the various risks are often modeled and analyzed in silos. ERM, in a CAMELS+ format, brings all of the risk assessments under one common umbrella, with one process and one model. Combined regulatory expertise and management consulting uniquely positions FinPro to assist financial institutions in assessing the overall risk profile. Regulatory Advisory FinPro’s seasoned professional staff has over 150 years combined of regulatory experience and understands the complexities of regulatory issues and the changing regulatory landscape. FinPro keep its partners aware of all regulatory “hot buttons” and pending legislation that could affect your institution in the future. By staying “ahead of the curve” on all future rules and regulations, you will save both time and money and be able to focus on what matters most at your institution, building value. Capital Markets Advice FinPro will provide ongoing capital markets advisory services to the Partner, including recommendations on how and when to raise capital, forms of capital, dividends, and stock repurchases. FinPro’s expertise in Merger and Acquisition Advisory also provide its partners with comprehensive analysis of strategic alternatives. Branching/Markets Advice Detailed data and market research allow a partner to make effective branching decisions. Proactive measures will allow institutions to specifically target markets and customers that match strategic objectives. PartnershipPartnership with Enterprise Risk Management The Partnership Package is an exclusive annual retainer service established to provide a client with the highest level of FinPro assistance on an ongoing basis. Subscribers receive the following benefits: Ongoing Strategic Advice FinPro provides priority service to its partnership clients. Partners are provided with continuous strategic advice. Partners will have priority access to FinPro’s principals. Financial Modeling and Business Planning FinPro’s single model and engine allow a bank to establish a comprehensive projection incorporating all aspects of the bank. Financial projections are developed interactively with the bank for a budget, business plan or strategic plan. The projections are updated quarterly and contain all necessary financial components including all key ratios. Stress testing and what-if financial modeling provide the bank with different scenarios for the bank to make informed decisions. Asset/Liability Advice Managing interest rate risk is not just a regulatory requirement but an essential element to the overall success of your institution. FinPro will provide the most accurate analytics possible utilizing account level information with output that is easy to comprehend. Analyses include both dynamic and static balance sheet analysis of Net Interest Income simulation and Economic Value of Equity. Investment Portfolio and Securities Review Purchasing securities needs thorough due diligence and brokers often try to mark up securities for their benefit. FinPro will review investment purchases in the context of a client’s balance sheet and overall strategy.

4. Regulatory Advisory FinPro’s seasoned professional staff has over 150 years combined of regulatory experience and understands the complexities of regulatory issues and the changing regulatory landscape. FinPro keep its partners aware of all regulatory “hot buttons” and pending legislation that could affect your institution in the future. By staying “ahead of the curve” on all future rules and regulations, you will save both time and money and be able to focus on what matters most at your institution, building value. Capital Markets Advice FinPro will provide ongoing capital markets advisory services to the Partner, including recommendations on how and when to raise capital, forms of capital, dividends, and stock repurchases. FinPro’s expertise in Merger and Acquisition Advisory also provide its partners with comprehensive analysis of strategic alternatives. Branching/Markets Advice Detailed data and market research allow a partner to make effective branching decisions. Proactive measures will allow institutions to specifically target markets and customers that match strategic objectives. PartnershipLimited Partnership The Limited Partnership Package excludes Enterprise Risk Management services which tie together all of the other services included in the partnership. However, the partnership still provides a bundled level of services to a client: Ongoing Strategic Advice FinPro provides priority service to its partnership clients. Partners are provided with continuous strategic advice. Partners will have priority access to FinPro’s principals. Financial Modeling and Business Planning FinPro’s single model and engine allow a bank to establish a comprehensive projection incorporating all aspects of the bank. Financial projections are developed interactively with the bank for a budget, business plan or strategic plan. The projections are updated quarterly and contain all necessary financial components including all key ratios. Stress testing and what-if financial modeling provide the bank with different scenarios for the bank to make informed decisions. Asset/Liability Advice Managing interest rate risk is not just a regulatory requirement but an essential element to the overall success of your institution. FinPro will provide the most accurate analytics possible utilizing account level information with output that is easy to comprehend. Analyses include both dynamic and static balance sheet analysis of Net Interest Income simulation and Economic Value of Equity.

5. Strategic AdvisoryStrategic Plan and Conversion Plan • The FinPro strategic planning process is designed to help clients build value by establishing the structure the institution needs to determine its financial goals and implement them. The plan includes all regulatory required elements and the interactive, what-if modeling results in a one year budget, three year business plan, and five year strategic plan. • Conversion Plans require an understanding of the process, structure and regulatory requirements involved. FinPro works closely with the institution’s legal counsel and other advisors to ensure timelines are met and the regulators receive the detailed information needed. • Interactive and Iterative Board and Management Involvement to: • provide an understanding of the building blocks of the plan including the situation assessment and the assumptions utilized; • facilitate decision making through understanding results; • promote institution ownership of the plan; • identify and assign direct accountability to the individuals responsible for each area of the institution. • The Process Drives the Results • The typical planning process involves two phases, each includes a planning retreat. • Phase One: identify the existing situation assessment. Fact patterns are utilized to spur discussions between management and the board about the strengths, weaknesses, core competencies, primary thrusts, major objectives, and the ultimate goals. • Phase Two: scenario building phase. FinPro and management meet to create the financial projections for the institution based on the direction given during the first board meeting. The corresponding retreat is held to review the various scenarios, discuss the recommended scenario and strategies outlined to achieve the results. • Results Driven, Built Incrementally • Unlike other firms that plan at the bank level, FinPro takes a more granular approach and builds value by planning at the following levels: Product by Product, Segment by Segment, Person by Person, Strategy by Strategy, Market by Market. • The Situation Assessment: • Overview • Summary (Strengths, Weaknesses, Opportunities, and Threats - SWOTs) • Risk, Regulatory, and Governance • Internal Environment • External Environment • Asset/Liability Analysis • Community Reinvestment Act (CRA) • Bank Secrecy Act (BSA) • Market, Customer, and Franchise • Franchise and Market Assessments • Customer Analysis • Historical Performance • Value Book • Historical Building Value • The Strategic Plan: • Overview • Executive Summary • Value Creation • Building Value • Franchise and markets • Capital • Loans • Deposits • Customers • Non interest expense • Non interest income • Appendix • Modeling Assumptions and Output • Cost Center and Strategic Alternative Summary

6. Strategic AdvisoryPlan Update Variances May Cause Mid Course Adjustments The FinPro plan update process typically involves a what-if modeling phase and a board retreat. During this process FinPro and management meet to create multiple financial projections for the institution. The corresponding retreat is held to review the various scenarios, discuss the recommended scenario and the various strategies outlined to achieve the scenario. Ensure the Monitoring and Maintenance The FinPro strategic plan update process is designed to revise the financial projections for an institution on a yearly basis. The process allows the institution to monitor the implementation success of the prior years of the plan and allows mid-course adjustments based on changes in the environment. The Components for Continued Success A typical Strategic Plan Update includes: Variance to Prior Plan Modeling Output and Assumptions Cost Center and Strategic Alternative Summary Goals and Implementation Overview Understanding the current and future conditions facing an institution is the first step to success. Changes in market conditions can cause divergences from the original strategic plan financials, which may result in mid-course actions and adjustments. As such strategic plans need to be continuously updated to accurately reflect the institution’s financial performance.

7. Strategic AdvisoryCapital Plan • Identifying and Evaluating Risks: • The first component of capital planning is to identify and evaluate all material risks. • Conduct a situation assessment of the Bank which includes a review of recent historical growth, expected growth, recent financial performance, and overall potential utilization of and need for capital; • Identify the largest areas of risk associated with the Bank’s capital and rank these risks as low, moderate, or high risk; • Determine appropriate vertical and horizontal stress tests for each risk identified; and • Illustrate the impact of these stress tests through forward looking financial modeling of each scenario. • Setting and Assessing Capital Adequacy Goals: • The second component of effective capital planning is to determine the bank’s capital needs in relation to the material risks. • Determine the appropriate ratios to measure capital; • Identify bank specific trigger points for each ratio; • Set appropriate thresholds to delineate low, moderate, and high risk for each ratio; and • Overlay the results of the forward looking projections and stress tests to determine the capital adequacy at any given point in the future. • Maintaining a Strategy to Ensure Capital Adequacy and • ContingencyPlanning: • The third component of effective capital planning is to have a strategy to maintain capital adequacy and build capital, if needed. • Identify mitigation strategies for the high risk areas and/or those stress tests that drop the ratios near into the moderate to high risk areas; • Establish timelines for specific mitigation strategies depending upon the level of risk or the likelihood of the stressed event; and • Plan for contingencies and build a decision tree. • Ensuring Integrity in the Capital Planning Process and Capital • Adequacy Assessments: • The final component of effective capital planning is to ensure integrity, objectivity and consistency of the process: • Ensure that the Bank’s current policy meet current best practices and appropriately documents the process the Bank conducts; • Conduct ongoing capital planning; and • Ensure Board and senior management involvement FinPro’s capital planning process interactively helps management and the Board to determine the appropriate levels of capital for the organization. The process not only evaluates the Bank at its current position, but evaluates the future capital needs of the Bank based upon the Bank’s individual strategic plan and inherent risks.

8. Strategic AdvisoryStrategic Alternative Review • In today’s competitive, rapidly changing market, it is important that a Board of Directors be informed and make sound business decisions. At times, an independent third party is required to assess all available strategic alternatives. • Can an institution build more shareholder value by remaining independent relative to selling today? • Difficult questions require thorough independent analysis. FinPro is skilled at educating and advising management and the board of directors. • Unlike our competition, FinPro does not believe that “reviewing strategic alternatives” necessarily means that the company should be sold. • What is the optimal capital structure? • FinPro focuses on building long-term value for our clients. Utilizing our valuation, financial modeling and research skills, FinPro brings clarity to complicated and difficult strategic issues. • What is the best use of capital? • Each financial institution is unique and has its own strategic issues. FinPro will work closely with management and the board of directors to define the specific critical issues, provide market research, analyze the financial impact of various strategies and moderate retreats. • Balance sheet and Corporate Restructuring • A bank will need to analyze possible restructuring of its balance sheet or corporate structure in order to create the most value, whether that means staying independent or selling the company. • Utilizing a decision tree methodology, different choices will need to be made based upon the strategic path chosen.

9. Balance Sheet ManagementDynamic Asset Liability Management (ALM) FinPro’s Asset Liability Management Service utilizes FinPro’s proprietary ALM model to provide the analytics necessary to define, measure, monitor, and manage interest rate risk. Managing Risk is a Key to Success Managing interest rate risk is not just a regulatory requirement but an essential element to the overall success of your institution. FinPro will provide the most accurate analytics possible utilizing account level information with output that is easy to comprehend. Analyses include both dynamic and static balance sheet analysis of Net Interest Income simulation and Economic Value of Equity. FinPro will also incorporate internal policy limits and compare each of these ratios against those limits. Precise Analytics Reliable and accurate information is the key to managing interest rate risk. Our independently audited model enables FinPro to: Measure interest rate risk in account-by-account detail for all investments, loans, deposits, and borrowings. Incorporate specific product details including call options, prepayment speeds, deposit decay rates, beta values, and actual repricing information. Produce customized interest rate scenarios to capture “realistic” rising and falling interest rate environments, as well as instantaneous rate shock scenarios. Save Time and Money By outsourcing the ALM process, management can focus on implementing the strategies necessary to manage interest rate risk while maximizing value. The FinPro ALM process includes: Data collection and consultation with the institution to customize analysis and report ALM modeling and analysis Report presentation Sophistication Made Simple Once the data is compiled, a FinPro consultant will analyze the data and produce a report with commentary in a format that is easy to comprehend. Our interest rate risk report includes: Current and projected interest rate risk analysis including Gap, EVE, and Net Interest Income analysis. Historical trend analysis of investments, loans, deposits and borrowings in account level detail In-depth analysis of the time deposit portfolio including remaining maturity balance and repricing of maturing time deposit balances External interest rate environment report Threats, opportunities, and strategies A True Service Partner At FinPro, we’re tied to the overall success of your institution. As such, our service also includes periodic presentations to the Board and Management to discuss interest rate risk as well as any other banking topics. At the client’s request, we can also provide investment advice, balance sheet restructuring recommendations, IRR and ALM training, and interest rate risk and ALCO policy review.

10. Balance Sheet ManagementDeposit Study FinPro’s Deposit Study service develops both the historical beta values and decay rates of the institution and then overlays a propensity to renew factor of each individual account. Builds Franchise Value: The output builds value for our clients by establishing quantitative ways to measure customer loyalty. As these bank specific variables are improved they aid in building franchise value. Additionally, the output is used to make strategic decisions regarding minimizing a bank’s future interest expense, improving customer retention, and developing more robust funding plans. In addition, the process also satisfies all regulatory requirements for validating beta and decay modeling assumptions. Improve Planning Process With Better Assumptions: Each bank must formulate a deposit rate plan that is tied to specific triggers in local market interest rates and liquidity ratios. This plan will determine how the bank intends to react to movements in interest rates, which will help drive assumptions utilized. Do Not Overpay for Deposits: The sensitivity of decays to betas increases and decreases with the propensity to renew factor. Accounts with high propensity to renew are more loyal and not as rate sensitive. Banks need to know how loyal their account holders are so as not to overpay for deposits. Satisfy Regulatory Beta and Decay Analysis Requirements: The modeling process and assumptions are becoming a bigger and bigger focus of regulatory scrutiny, regulators now require a 3 to 5 year decay study to justify assumptions; A key part of the analysis is a deep dive into institutions’ beta values, decay rates and customer retention. Less Loyal Customers Highly Loyal Customers

11. Balance Sheet ManagementAsset Liability Management Review FinPro’s Asset Liability Management Review service will provide an independent review of a bank’s current asset liability management report and process. Independent Review FinPro conducts quarterly detailed ALM modeling for nearly 100 clients of different asset sizes and with different balance sheet structures. This provides FinPro with expansive market knowledge and expertise regarding ALM modeling assumptions and processes. FinPro will: Perform an independent review of the Bank’s current interest rate risk report, assumptions, processes and procedures for analyzing interest rate risk. Review the Bank’s interest rate risk policies. Interview Bank managers to determine the appropriateness of the assumptions. Discuss possible alternative assumptions with management Provide management with comments, suggestions, and letter summarizing FinPro’s findings. Regulatory Requirement Regulators have stated in Financial Institution Letters that asset liability management models must be validated. It is key to conduct an independent review of the client specific assumptions and information utilized even when the mechanics and mathematics of the measurement model have already been validated.

12. Balance Sheet ManagementAllowance for Loan and Lease Loss Methodology FinPro's ALLL Methodology Review ensures that the Bank is up-to-date on the most recent industry best practices. The review is conducted by the members of FinPro's senior bank regulatory staff. Evolving Regulations: ALLL processes are constantly being refined. The process for ALLL methodology review includes a: Review of last internal loan review; Review of last external loan review; Review of the FAS 114 (ASC 310) analysis on each significant credit; and Review of the stratification of FAS 5 (ASC 450) pools. FinPro will work with the bank to establish the application of qualitative and environmental adjustments to each FAS 5 pool: Change in lending practices and procedures Change in economic and business conditions Change in nature and volume of portfolio and loan terms Change in the experience, ability and depth of the lending department Change in the volume and severity of past dues, nonaccrual and adversely classified assets Change in the quality of the loan review Change in value for collateral dependent loans Impact of concentrations Other (legal, regulatory, competition)

13. Investment Due Diligence939A Investment Analysis • FinPro Advantage: • An Investment Due Diligence engagement with FinPro protects the Bank by putting the firm on retainer for post-purchase investment due diligence analysis and documentation, with no commitment from the Bank. • Investment Due Diligence engagements are an a la carte approach whereby the Bank selects only the securities it wishes FinPro to analyze. • As an early leader in this space, FinPro has been able to develop services that are less expensive then competitors and are available for every type of security. • . • Comprehensive Solutions for Ongoing Demands • FinPro’s Professionals are uniquely positioned to meet the increasingly complex demands of regulatory compliance within Section 939A of the Dodd-Frank Act. Utilizing research, live market information and valuation expertise FinPro can fulfill the required post analysis, detailed documentation and ongoing reviews. • Requirement of an internal or independent third-party assessment on all securities of safety and soundness and creditworthiness. • Safety and Soundness compliance includes answers to the following questions: • Is the type / category of security permitted by policy? • Can the individual security purchase occur without violating any current policy or regulatory limits? • Has the Bank reviewed this proposed purchase for any impact on its overall concentration levels? • Does the purchase fit with the bank’s overall interest rate, liquidity, and credit risk profile? • Investments are “investment grade” if they a pass a group of 13 specific questions, which can be grouped into the following two categories: • Is the risk of default by the obligor low? • Is the full and timely repayment of principal and interest expected over the life of the investment? • Banks may no longer solely rely on credit ratings to determine safety of an investment.

14. Investment Due DiligencePortfolio Review FinPro’s Portfolio Review service provides access to professionals who will know your institution, and offer un-biased advice that utilizes both research and live market information placed in the context of the asset/liability position of your institution. A full portfolio review allows the bank to gain a detailed understanding of all its investments, receives a detailed summary report of analysis, and, where appropriate, receives recommendations for the sale of specific securities where high-risks signify imminent price erosion Analyses of Individual Securities and Portfolios for Price, Risks and Creditworthiness FinPro professionals provide timely analytics including real time pricing data. Services include: Portfolio monitoring including segmentation and details on duration, cash flows, credit, concentrations, and potential concerns. Cash flow forecasting, incorporating exposure to prepayments and calls under multiple interest rate scenarios. OTTI calculations and reviews of legacy assets. Due diligence and reviews on potential portfolio acquisitions. Managed auctions, coordinating and evaluating multiple portfolio bids (buy and sell sides.) Proactive Portfolio and Balance Sheet Restructuring Recommendations Markets move rapidly, presenting opportunities to capitalize upon. FinPro professionals constantly analyze the markets to present your institution with strategies and opportunities. Alternative investment and borrowing strategies will be suggested to improve profitability and/or improve your institution’s interest rate position. FinPro will also objectively evaluate recommendations presented to you by brokers and investment bankers.

15. Enterprise Risk ManagementEnterprise Risk Management Identify, Measure, Monitor, Control Enterprise Risk Management (“ERM”) is the process of Identifying, Measuring, Monitoring and Controlling all risks in a given entity. Many banks have some form of risk assessment, but the various risks are often modeled and analyzed in silos. ERM brings all of the risk assessments under one common umbrella, with one process and one model. The ERM process: Identifies risk through a CAMELS +++ self-assessment which includes detailed ratio analytics, regulatory targets, peer benchmarking, and future projections. Measures risk by identifying each risk component, delineating the data and analytics required to measure the risk, prioritizing and rating the risk and finally identifying key measurement metrics for each risk component. Monitors risk by modeling projections using a single comprehensive model. When done this way, banks can stress test risks on a single variable or multiple variable approach and instantaneously see the results on the entire organization, eliminating the “silo” effect. Controls risk by re-evaluating policies and procedures, ensuring that the bank has the appropriate infrastructure (people, systems, process, etc.) and by forecasting the ERM position of the bank at any point in the future. Interactive and Straight Forward Process Banks must understand that ERM is not a “one size fits all” activity and that each institution has a unique prioritization of risks. ERM allows the bank to analyze the way in which risk affects the overall institution so that no one risk is looked at in a vacuum. By identifying and proactively addressing risks, institutions can protect and create value. FinPro’s ERM service provides quarterly updates of the analysis which is needed as the institution’s risk profile changes over time. FinPro’s staff of former senior regulators with over 200 years of combined regulatory experience provide extensive expertise and are uniquely positioned to assist financial institutions in assessing the overall risk profile. Eight Phases of the FinPro Enterprise Risk Management Process Phase One:Make planning, budgeting, stress testing, asset/liability management and compliance modeling ONE process. Phase Two:Conduct an Enterprise Risk Assessment for your organization utilizing the CAMELS+++ approach. Identify the risks by area. Phase Three:Prioritize the risks based on quantified and qualified results. Phase Four:Ensure the data integrity and define the data sources. Phase Five:For all high priority risks, define and conduct stress tests. Phase Six:Prepare alternative plan scenarios for high risk assessments and model at an incremental balance sheet and income statement basis. Phase Seven:Ensure people, policies and procedures are established to properly manage risks. Phase Eight:Review performance in context of overall enterprise risk management.

16. FinPro’s De Novo Bank Consultation service guides investor groups through every step of forming a de novo bank and beyond. Identify the Key Elements for Success Our consultants will guide you through every stage of the de novo process, including, but not limited to: Forming a Board built to generate business Finding qualified executives to lead the new institution Focusing strategic directives to ensure success Raising the optimal starting capital level Creating a ranking of a market area and compiling a market feasibility study Developing aggressive marketing programs Compiling a projections and strategic business plan Assisting counsel in the preparation of regulatory applications Assisting in the compilation of materials required for stock solicitation Initial Meeting FinPro consultants will sit down with founders, establish a timeline, and outline the entire process of forming a de novo bank. Modeling of Strategic Business Plan The strategic business plan and pro forma financial projections are developed through an interactive process between FinPro, founders, and management. The business plan is produced in a format designed for the regulatory agencies. Application and Regulatory Approval FinPro will continue to advise through the application process, attend regulatory hearings, and assist the Bank with regulatory questions to ensure that approval is attained. Nationally Recognized FinPro is an industry leader in working with start-up banks. Nationally, FinPro has helped established de novo banks in numerous states and geographic regions. FinPro can assist on national or state, ethnic, cultural, lifestyle or business niche, a de novo as a subsidiary of a parent bank, and many other strategic directives. Unparalleled Industry Knowledge FinPro’s extensive library of detailed market information encompasses all aspects of the marketplace so that decisions on branch locations can be made based upon detailed demographic and competitive data. FinPro has several former regulators on staff that provide great insight into the key factors in getting a de novo application approved. Periodic research studies on national de novo trends keep FinPro abreast of emerging issues. A Long Term Relationship FinPro is one of the few de novo consulting firms that are capable of providing ongoing advisor services after the bank begins operations in the areas of consulting, capital markets strategies, M&A advisory, leadership and education, corporate governance and much more. Many de novos that have struggled to succeed engage FinPro in the third or fourth year of operation in order to achieve better performance. FinPro is currently working with dozens of maturing de novo institutions throughout the country. We invite you to check our many references across the country for feedback on our expertise and our commitment to guide you through to a successful opening. De Novo Bank ConsultationDe Novo Strategic Business Plan

17. Market FeasibilitySite Study • What is the Potential of a Branch Site? • FinPro’s Site Study is a comprehensive analysis of a proposed branch location. This study provides an independent, third-party review of a proposed site, its geographic strengths and weaknesses and its overall deposit generating capacity. • Avoid Mistakes • The study provides a competitive analysis based on a comprehensive tour of the market including branch hours, rates, product and service offerings, and physical attributes such as drive-up facility, parking capacity and type and number of ATMs. • In addition, it is a basis for establishing a market entrance strategy based directly on the market’s characteristics. • Financial Projections • In addition to projecting deposit growth over five years, FinPro also creates a pro forma balance sheet and income statement based on criteria and assumptions unique to the institution and proposed site to determine profitability and breakeven points for the branch. • Proven Methodology • FinPro’s Site Study includes: • Development of a market area for the proposed site. FinPro has the flexibility to define a market in any geographic terms and aggregate all of its data sources accordingly. • Analysis of the market relative to: Demographic data, retail customer segmentation data, retail product propensity data, business / commercial data, and competitive data • Tour of the markets and all competitors to summarize facility attributes, delivery alternatives and product offerings. • Discussions with township officials, planning boards and business organizations to determine growth potential and patterns. Primary and Secondary Market Definitions Retail Product Propensity

18. Market FeasibilityMarket Ranking • Where Should an Institution Add Branches? • As prime site locations become more and more difficult to find, institutions need to utilize proactive measures that allow them to specifically target towns and markets that match their strategic branching objectives, and offer branching potential. • Acting in a proactive manner, rather than reacting to changes in the market or site availability, results in a more efficient and effective branching strategy. • Customizable Market Data • As such, FinPro’s Market Ranking Study utilizes market, commercial and competitive data to analyze and rank a group of markets based on a customizable set of criteria defined and established by the institution. • In fact FinPro has developed an extensive library of databases which provide the required foundation for the development of a detailed market profile encompassing all aspects of the marketplace. • Proven Methodology • FinPro’s Market Ranking Study includes: • Development of an optimal market profile specific to the institution. • Analysis of each market and how well it fits the optimal market profile based on: • Demographic Data • Retail Customer Segmentation Data • Retail Product Propensity Data • Business / Commercial Data • Competitive Data • Analysis of the institution’s existing customer base and how it may influence branching strategies. • Identification of top quartile markets that fit with the institution’s strategy and offer de novo branching potential. • Tour of the top three markets, as selected by the bank, to identify trends and establish future growth potential. Market Ranking Process Geographic Results

19. Market FeasibilityBranch Improvement • De novo branching is becoming more and more difficult - particularly in high density markets where more-aggressive, highly-capitalized institutions are competing for the same prime locations. • Improve Market Share • In response, FinPro developed a means for providing a course of action for proactively improving market share within existing markets and wallet share among current customers. • By focusing efforts on strengthening existing facilities and customer relationships, institutions can achieve an effective means of growth without the need for large capital investments. • Comprehensive Analysis • FinPro’s Branch Improvement Study examines all aspects of an institution’s existing branch network in order to identify growth opportunities and strategies to increase market share and wallet share. • Proven Methodology • FinPro’s Branch Improvement Study includes: • Custom identification of each market to be analyzed. • Development of a detailed profile of each market. • Determination of existing market share by product and customer. • Tour of the market and all competitors to summarize facility attributes, delivery alternatives and product offerings. • Branch profitability analysis using detailed cost center data from the general ledger. • Identifying, locating and targeting specific customer segments to proactively focus on both cross sell and new customer opportunities. • Development of detailed product and service bundles designed to meet the needs of the specifically targeted customers in each market. • A recommended course of action for each market that details facility, staffing, product, customer and marketing findings. • Proven Results • As a result of recommendations made by FinPro, institutions have improved market share and wallet share through the effective implementation of direct mail campaigns and improved product placement strategies. Top Five Segments Product Bundle Grid

20. Market FeasibilityCustomer Segmentation • Who are the Institution’s Customers? • FinPro’s Customer Segmentation analysis looks at an institution’s existing customer base in each of its markets in order to determine an effective methodology for improving wallet share and market penetration. • Achieve Sustainable Growth • By stratifying its existing customer base by household type, affluency and lifecycle, and comparing this distribution to that of the market, an institution is able to accurately determine exactly which segments of the market to target in order to achieve sustainable growth. • Targeted Marketing Saves Money • By focusing marketing dollars on specific targeted segments, of both the retail and commercial sectors, the institution saves marketing dollars, strengthens existing customer relationships and forges highly profitable new relationships. • Proven Methodology • FinPro’s Customer Segmentation Analysis includes: • Custom identification of each market to be analyzed. • Comprehensive analysis of the institution’s existing customer base as well as the customer distribution in the market. • Determination of the institution’s existing market share by product and customer. • Identification of cross sell targets and new customer targets. • Development of detailed product and service bundles designed to meet the needs of the specifically targeted customers in each market. • A recommended course of action for each market that details both product and customer findings. Customer Segmentation Matrix Customer Distribution: Market vs. Institution

21. RegulatoryFormal and Informal Order Resolutions • Over 150 Years Combined of Regulatory Experience • FinPro’s staff of former senior regulators provide extensive expertise and are uniquely positioned to recognize deficiencies at an institution. FinPro maintains close contact with all bank regulatory agencies and departments in order to stay current with upcoming policies and rules. • Review, Assess, Mitigate, Perform, Understand, Present • FinPro can provide a bank with assistance to prepare for an examination or will assist with resolution of a regulatory enforcement action. This process includes: • Review data- A quantitative and qualitative review of bank files and information will be conducted. FinPro can also assist with negotiation of the order to ensure proper terms, timelines, and requirements. • Assess risk - Using the information gathered in the review stage, conduct an assessment of each of the elements of the CAMELS rating system, plus additional vulnerable areas, to identify potential risks and the severity of risks. • Mitigate risk - Upon assessing its risk profile, proactively make changes to deficient areas and develop plans to mitigate risks going forward. • Perform to plan - In order to effectively manage the risk profile of the institution, the Board needs to monitor its performance on a periodic basis. • Understand implications - After the review process, each Board member should know the answers to important questions and understand the implications of the institution’s position. • Present actions - The actions taken by the institution need to be communicated across the entire spectrum of the organization. FinPro will help the Board and management effectively tailor the message of the organization to both internal and external audiences. • Why Banks Need to Prepare for Regulatory Exams • Examinations are leading to more enforcement actions. • Major criticisms in recent regulatory enforcement actions lead to required corrective actions that could have a severe impact on an institution. • Advanced preparation saves time and money. • A CAMELS rating downgrade by the regulators can result in as much as an additional $100,000 per year in FDIC insurance premiums for every $100 million in deposits. • In addition to FDIC assessment hikes, institutions can expect increases in other noninterest expense items such as legal, consulting, D&O and fidelity insurance. • A prolonged period of regulatory oversight will limit business opportunities and value creation.

22. RegulatoryExpert Testimony • Inthe event of pending litigation against or by your institution, it may be necessary to hire a person who by virtue of education, profession, or experience is believed to have special knowledge of his or her subject beyond that of the average person and which is sufficient that others may officially (and legally) rely upon his or her opinion as an expert witness to provide both oral and/or written testimony to assist the trier of fact to understand the evidence or to determine a fact at issue. • The courts often rely heavily on the expert witness testimony to provide an analytical opinion supported by factual statements to give a clearer picture of the situation. • Experts on Staff • On a combined basis, senior staff of FinPro have over 175 years experience in management, operations and regulation of banks, thrifts and credit unions. Given this widelevel ofexperience, members of our firm are uniquely equipped to serve as expert witnesses and/or forensic consultants in legal matters involving financial institutions and provide expert reports and testimony. • Retain Our Expertise • Our expert testimony services are performed on a retainer basis. We use our experience and expertise to strengthen your position and provide the basis for supporting testimony. Our retainer can be structured such that FinPro may: • act as an informal consultant; • prepare formal expert reports; and/or • testify as an expert witness.

23. RegulatoryRegulatory Consulting • Banking institutions have historically been the most highly regulated companies in the United States and since the mid 1980s, the increase in the number of laws, rules, and regulations affecting them has increased almost exponentially. As a result, the costs associated with regulatory compliance have also grown for institutions of all sizes. However, noncompliance, even if inadvertent, can result in much higher costs and expenditures of staff time. • Extensive Regulatory Expertise • FinPro, with a cadre of former senior regulators, led by Scott Polakoff, former FDIC Regional director and Office of Thrift Supervision Chief Operating Officer, is uniquely positioned to recognize and deal with potential problems before they become compounded and to assist your institution in both troubled and normal situations. • Save Time and Money • By retaining FinPro to assist with regulatory matters, you will ensure that your institution is compliant with all the current rules and regulations. We will also keep you aware of all regulatory “hot buttons” and pending legislation that could affect your institution in the future. By staying “ahead of the curve” on all future rules and regulations, you will save both time and money and be able to focus on what matters most at your institution, building value. • Assist with Regulatory Problems • In the event of regulatory problems, FinPro can assist banks and their management teams in dealing with: Civil Money Penalties, Memoranda of Understanding, Cease and Desist or Consent Orders, Written or Letter Agreements, Administrative Hearings, and Removal Actions.

24. RegulatoryPolicy Development and Review • Banking rules and regulations are constantly evolving and an institution’s policies and procedures must be kept up-to-date. FinPro’s policy development and review service provide a banking institution with the expertise of former banking regulators to ensure all policies are kept current. • Policy Review and Enhancement • Boards must ensure that policies are reviewed and approved at least annually, and that such policies incorporate key regulatory changes. FinPro will review a list of policies and recommend any new policies or procedures that are needed. • Boards must review and approve appropriate policies, procedures and internal controls, including appropriate limits and methods for monitoring and controlling risk to ensure safe and sound operations. Policies are the documentation of these established controls. • FinPro will review major policies and procedures, and make specific recommendations pursuant to the standards of the banking agencies as it pertains to each policy. • Boards should have policies to address concentration risk. Such policies must have a granular approach by homogeneous risk factors. FinPro can assist boards and management with robust concentration policies. • The process by which policies and procedures are reviewed and approved by the board of directors will be analyzed and recommendations will be made for improvement.

25. RegulatoryCRA • FinPro’s CRA analysis is designed to assess an institution’s current position relative to the Community Reinvestment Act guidelines with the goal of quantifying its outstanding portfolios, geographic distributions and performance trends. • Proactive Management • The program follows the regulatory examination guidelines and assists an institution in being thoroughly prepared for regulatory examinations and puts management in a position to proactively address regulatory issues. • This review thoroughly evaluates the assessment area to ensure that it meets the regulatory guidelines. • Thorough Performance Evaluation • CRA performance is quantified based on the regulatory criteria and examination guidelines, and covers: • Evaluation of the institution’s loan-to-deposit ratio. • Evaluation of the level of lending within the assessment area, evaluating all loans and deposits, not just those subject to HMDA. • Computation of the geographic distribution of the institution’s loans to borrowers and geography’s of different income levels. • Evaluation of HMDA data and trends, both for the Institution and all lenders within the assessment area. • Evaluation of Small Business Loan data and trends, both for the Institution and all lenders within the assessment area. • Evaluation of the level of Community Development Lending. • Evaluation of the use of innovative and flexible lending practices. • Evaluation of the level of CRA qualified investments and grants. • Evaluation of the criteria for the service test. • Summary of the institution’s other CRA activities including special products and programs and Community Development Services. • Recommendations to improve performance. • The Lending Distribution is Analyzed • And Mapped to the Assessment Area