First Citizens Bank

Founded in 1870, WesBanco, Inc. is a multi-state, bank holding company headquartered in Wheeling, West Virginia. We are a diversified and well-balanced financial services company, with a community bank at its core, built upon a strong legacy of credit and risk management. Over the past decade, weve built a national reputation as a safe, sound, and profitable bank holding company while we have maintained our community bank orientation. We merge technology with people to support our commitment to personal customer service. WesBancos banking subsidiary WesBanco Bank, Inc., operates branches and offices in eight states. In addition, WesBanco operates a century old trust business, an insurance agency, WesBanco Insurance Services, Inc., and a full service broker/dealer, WesBanco Securities, Inc. At WesBanco what matters most to you, matters most to us.

The First Federal Mortgage Center offers government and secondary market loan options. It offers adjustable rate mortgages and balloon options, as well as Kentucky Housing Financing. The First Federal Mortgage Center is a part of First Federal Savings Bank, which provides primary financial services to customers and the community. The bank offers a line of loan programs, including personal, business, real estate and overdraft lines of credit. It provides a range of banking products and services, such as ATMs, debit and credit cards, certificates of deposit, and personal checking, commercial and individual retirement accounts. The bank s services include cash management, bills payment, telephone banking, money orders and notary services. The First Federal Mortgage Center is located in Elizabethtown, Ky.

Founded in 1870, WesBanco, Inc. is a multi-state, bank holding company headquartered in Wheeling, West Virginia. We are a diversified and well-balanced financial services company, with a community bank at its core, built upon a strong legacy of credit and risk management. Over the past decade, weve built a national reputation as a safe, sound, and profitable bank holding company while we have maintained our community bank orientation. We merge technology with people to support our commitment to personal customer service. WesBancos banking subsidiary WesBanco Bank, Inc., operates branches and offices in eight states. In addition, WesBanco operates a century old trust business, an insurance agency, WesBanco Insurance Services, Inc., and a full service broker/dealer, WesBanco Securities, Inc. At WesBanco what matters most to you, matters most to us.