| Best-in-Class Credit Quality A Key Differentiator 40% of loan book supported by credit markNo-boom no-bust markets limit loss contentBuilding reserves to support
industry-leading organic growth engine Net Charge-Offs to Average Loans (%) Nonaccrual Loans to Total Loans (%) Source: SNL Financial. Note: FNFG legacy loans excludes acquired loans which are marked to fair value at acquisition.Peers include: BBT,
COF, CMA, FITB, FHN, HBAN, KEY, MTB, PNC, RF, STI, SNV, USB, WFC, and ZIONNote: 4Q11 nonaccrual to total loan ratio for each peer bank is sourced from GAAP earnings releases. Regulatory FR-Y9C data is used for prior periods.