Business Advisory Councils As of December 31, 2012

Business Advisory Council members are a diverse group of Fourth District businesspeople who advise the president and senior officers on current business conditions. Each council—in Cincinnati, Cleveland, Columbus, Dayton, Erie, Lexington, Pittsburgh, and Wheeling—meets with senior Bank leaders at least twice yearly. These meetings provide anecdotal information that is useful in the consideration of monetary policy direction and economic research activities.

CINCINNATI Charles Brown Christopher Cole Jim Huff Vice President and Secretary Chief Executive Officer Chairman Emeritis of Huff Realty Toyota Motor Engineering Intelligrated HUFF Commercial Group & Manufacturing, NA, Inc. Mason, Ohio Ft. Mitchell, Kentucky Erlanger, Kentucky Kay Geiger Vivian Llambi Robert Buechner President, Greater Cincinnati/ President Shareholder Northern Kentucky Vivian Llambi & Associates, Inc. Buechner Haffer Meyers The PNC Financial Services Group Cincinnati, Ohio and Koenig Co., LPA Cincinnati, Ohio Cincinnati, Ohio Joseph Rippe Terry Grundy Principal Calvin Buford Director, Community Impact Rippe and Kingston Partner, Corporate Development United Way of Greater Cincinnati Cincinnati, Ohio Dinsmore & Shohl LLP Cincinnati, Ohio Cincinnati, Ohio Carl Satterwhite Jose Guerra President James Bushman President RCF Group President and Chief Executive Officer L5 Source Hamilton, Ohio Cast-Fab Technologies, Inc. Cincinnati, Ohio Cincinnati, Ohio

CLEVELAND Cedric Beckett Albert M. Green Kevin M. McMullen President and Chief Executive Officer Chief Executive Officer Chairman and Chief Executive Officer Optimum Supply, LLC Kent Displays, Inc. OMNOVA Solutions, Inc. Cleveland, Ohio Kent, Ohio Fairlawn, Ohio

Maryann Correnti Christopher J. Hyland David Megenhardt Chief Financial Officer Executive Vice President and Executive Director Heinen’s Chief Financial Officer United Labor Agency Warrensville Heights, Ohio Hyland Software, Inc. Cleveland, Ohio Westlake, Ohio Jenniffer Deckard Bob Patterson President Michael Keresman Executive Vice President and Fairmount Minerals Chief Executive Officer Chief Operating Officer Chardon, Ohio Cardinal Commerce Corporation PolyOne Corporation Mentor, Ohio Avon Lake, Ohio Jack Diamond President Andrew Logan Rasesh Shah Bennan, Manna, and Diamond, LLC President and Chief Executive Officer President Akron, Ohio Logan Clutch Corporation The Andersons Rail Group Cleveland, Ohio Maumee, Ohio Gary Gajewski Vice President, Finance Gena Lovett Moen, Inc. Chief Diversity Officer North Olmsted, Ohio Alcoa Forging and Extrusions Cleveland, Ohio

42 Annual Report 2012 COLUMBUS David W. Berson Michael Dalby Jordan Miller Senior Vice President and President and Chief Executive Officer President and Chief Executive Officer Chief Economist Columbus Chamber of Commerce Fifth Third Bank, Central Ohio Nationwide Insurance Columbus, Ohio Columbus, Ohio Columbus, Ohio Paul Desantis Andy Rose Tim Burga Chief Financial Officer Vice President and President Bob Evans Farms Chief Financial Officer Ohio AFL-CIO Columbus, Ohio Worthington Industries Columbus, Ohio Columbus, Ohio Everett Gallagher William Carter Senior Vice President and Treasurer Mark Thresher Chief Financial Officer and Abercrombie & Fitch Executive Vice President and Vice President of Investor Relations New Albany, Ohio Chief Financial Officer and Public Affairs Nationwide Momentive Mike Gonsiorowski Columbus, Ohio Columbus, Ohio Regional President, Central Ohio PNC Columbus, Ohio

DAYTON Edward Blake Larry Klaben Gregory Stout Senior Partner President and Chief Executive Officer Chief Financial Officer Chief Executive Officer, MV Morris Furniture Co., Inc. Voss Auto Network Commercial Group; and CFO, Fairborn, Ohio Centerville, Ohio Miller-Valentine Group Miller-Valentine Group Phil Parker Christopher Wallace Dayton, Ohio President and Chief Executive Officer Senior Vice President, Dayton Area Chamber of Commerce Corporate Banking Bryan Bucklew Dayton, Ohio PNC Financial Services President and Chief Executive Officer Dayton, Ohio Greater Dayton Area Hospital Jenell Ross Association President Mark Walton Dayton, Ohio Bob Ross Auto Group Vice President and CRA Manager Centerville, Ohio Fifth Third Bank Christopher Che Dayton, Ohio President and Chief Executive Officer Michael Shane Hoovan-Dayton Corp. Chairman Dayton, Ohio Lastar, Inc. Moraine, Ohio Bruce Feldman President Economy Linen & Towel Service Dayton, Ohio

Annual Report 2012 43 ERIE Cle Austin Gary L. Clark Chris Scott President Board Member Vice President E. E. Austin & Son, Inc. Reed Mfg. & Erie Bank Scott Enterprises Erie, Pennsylvania Erie, Pennsylvania Erie, Pennsylvania

Matthew Baldwin Martin J. Farrell Tim Shuttleworth Vice President President President and Chief Executive Officer Baldwin Brothers, Inc. Infinity Resources, Inc. Eriez Magnetics Erie, Pennsylvania Erie, Pennsylvania Erie, Pennsylvania

Jim Berlin William Hilbert Jr. Phil Tredway Chief Executive Officer President President and Chief Executive Officer Logistics Plus REDDOG Industries, Inc. Erie Molded Plastics, Inc. Erie, Pennsylvania Erie, Pennsylvania Erie, Pennsylvania

Terrence W. Cavanaugh Marsha Marsh President and Chief Executive Officer Owner Erie Insurance Marsha Marsh Real Estate Services Erie, Pennsylvania Erie, Pennsylvania

LEXINGTON William Farmer Wayne Masterman Kevin Smith President and Chief Executive Officer Owner President and Chief Executive Officer United Way of the Bluegrass Port Restaurants, LLC Community Ventures Corporation Lexington, Kentucky Lexington, Kentucky Lexington, Kentucky

Paula Hanson Ann McBrayer David Switzer Director of Tax Services President Executive Director Dean Dorton Allen Ford Kentucky Eagle, Inc. Kentucky Thoroughbred Lexington, Kentucky Lexington, Kentucky Association, Inc. Lexington, Kentucky Ed Holmes Rebecca Mobley President Partner Kenneth Troske EHI Consultants Turf Town Properties, Inc. Chair, Department of Economics Lexington, Kentucky Lexington, Kentucky University of Kentucky Lexington, Kentucky Glenn Leveridge P.G. Peeples Sr. Market President President and Chief Executive Officer Holly Wiedemann Central Bank Urban League of Lexington- President Winchester, Kentucky Fayette County AU Associates Lexington, Kentucky Lexington, Kentucky David Magner Business Director - Manufacturing Robert L. Quick Ingersoll Rand President and Chief Executive Officer Lexington, Kentucky Commerce Lexington Inc. Lexington, Kentucky

44 Annual Report 2012 PITTSBURGH James C. Cooper Robert Glimcher Sean McDonald President President President and Chief Executive Officer Sterling Contracting LLC Glimcher Group Precision Therapeutics, Inc. Pittsburgh, Pennsylvania Pittsburgh, Pennsylvania Pittsburgh, Pennsylvania

John H. Dunn Anthony M. Helfer Stefani Pashman President President Chief Executive Officer J D Dunn Company United Food & Commercial Workers Three Rivers Workforce Sewickley, Pennsylvania Local 23 Investment Board Canonsburg, Pennsylvania Pittsburgh, Pennsylvania William Fink President Kathryn Z. Klaber Gregory Spencer Paragon Homes Inc. President and Executive Director President and Chief Executive Officer McKees Rocks, Pennsylvania Marcellus Shale Coalition Randall Industries Canonsburg, Pennsylvania Pittsburgh, Pennsylvania Stephanie DiLeo President Dennis Meteny Doris Carson Williams Homer City Automation President and Chief Executive Officer President and Chief Executive Officer Homer City, Pennsylvania Cygnus Manufacturing Company African American Chamber of Saxonburg, Pennsylvania Commerce of Western Pennsylvania Audrey Palombo Dunning Pittsburgh, Pennsylvania Chief Executive Officer Summa Pittsburgh, Pennsylvania

WHEELING Lisa Allen Joel Mazur Erikka Storch President and Chief Executive Officer President and Chief Executive Officer Chief Financial Officer Ziegenfelder Company Wheeling Corrugating Company Ohio Valley Steel Company Wheeling, West Virginia Wheeling, West Virginia Wheeling, West Virginia

P. Michael Bizanovich David H. McKinley Ronald L. Violi President President and Managing Partner Managing Director Technology Services Group, Inc. McKinley Carter Wealth Services R & V Associates Wheeling, West Virginia Wheeling, West Virginia Pittsburgh, Pennsylvania

John Clarke Lee C. Paull IV Business Representative Executive Vice President and IBEW Local #141 Associate Broker Wheeling, West Virginia Paull Associates Insurance/Real Estate Wheeling, West Virginia John L. Kalkreuth President Richard Riesbeck Kalkreuth Roofing & Sheet Metal, Inc. President Wheeling, West Virginia Riesbeck Food Markets St. Clairsville, Ohio Robert Kubovicz President Jim Squibb United Electric Chief Executive Officer Wheeling, West Virginia Beyond Marketing Wheeling, West Virginia

Annual Report 2012 45 Community Depository Institutions Advisory Council As of December 31, 2012

The Community Depository Institutions Advisory Council is composed of representatives from commercial banks, thrift institutions, and credit unions in the Fourth Federal Reserve District. Council members meet with the Bank president and senior officers at least twice yearly to provide information and insight from the perspective of community depository institutions. These meetings provide anecdotal information that is useful in the formulation of supervisory and monetary policy direction. The chair of each District Bank’s council also has the responsibility of reporting twice yearly to the Federal Reserve Board of Governors in Washington, DC.

Howard T. Boyle II James O. Miller Bick Weissenrieder President and Chief Executive Officer Chairman, President, and Chief Executive Officer Chairman and Chief Executive Officer Hometown Bank The Citizens Banking Company Hocking Valley Bank Kent, Ohio Sandusky, Ohio Athens, Ohio

Patrick Ferry Robert Oeler Charlotte Zuschlag President President and Chief Executive Officer President and Chief Executive Officer Members Heritage Federal Credit Union Dollar Bank ESB Financial Corporation Lexington, Kentucky Pittsburgh, Pennsylvania Ellwood City, Pennsylvania

Paul M. Limbert Gary Soukenik President and Chief Executive Officer President and Chief Executive Officer WesBanco Bank, Inc. Seven Seventeen Credit Union Wheeling, West Virginia Warren, Ohio

William C. Marsh Eddie Steiner Chairman, President, and Chief Executive Officer President and Chief Executive Officer Farmers National Bank CSB Bancorp, Inc. Emlenton, Pennsylvania Millersburg, Ohio

46 Annual Report 2012