WSFS Financial Corporation (Exact Name of Registrant As Specified in Its Charter)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549

FORM 8-K

CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

February 27, 2018 Date of Report (Date of earliest event reported)

WSFS Financial Corporation (Exact name of registrant as specified in its charter)

Delaware 001-35638 22-2866913 (State or other jurisdiction (SEC Commission (IRS Employer of incorporation) File Number) Identification Number)

500 Delaware Avenue, Wilmington, Delaware 19801 (Address of principal executive offices) (Zip Code)

Registrant’s telephone number, including area code: (302) 792-6000

Not Applicable (Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act WSFS FINANCIAL CORPORATION

INFORMATION TO BE INCLUDED IN THE REPORT

Item 2.02 Results of Operation and Financial Condition and Item 7.01 Regulation FD Disclosures On February 27, 2018, the Registrant (WSFS or the Company) announced that it had entered into a settlement agreement with Universitas Education, LLC (Universitas), to resolve claims related to services provided by Christiana Bank & Trust Company (Christiana Trust) prior to WSFS’ acquisition of Christiana Trust in December 2010. WSFS previously disclosed this matter in its quarterly filings on Form 10-Q in 2017. Under the settlement agreement, WSFS will pay Universitas $12.0 million to fully settle the claims. As a result of this settlement, WSFS made revisions to its results of operations and other financial information that were reported in the Company’s earnings release issued on January 22, 2018. The revisions reflect the impact of the $12.0 million legal settlement. Previously reported earnings did not include a legal reserve for these claims based on management’s assessment that its valid factual and legal defenses to the claims made it unlikely that a loss would be incurred at that time. Accordingly, the Company's earnings release is revised to reflect: • Earnings of $50.2 million ($1.56 per diluted share) for 2017 and a loss of $9.8 million ($0.31 per share) for the fourth quarter of 2017. These earnings are $12.0 million lower ($9.3 million or $0.28 per diluted share after-tax for the full year 2017) as a result of higher legal costs related to the settlement agreement. • For 4Q 2017, return on assets (ROA) was (0.56)%, return on average tangible common equity (ROTCE) was( 6.60)% and the efficiency ratio was 74.9%. For the full-year 2017, ROA was 0.74%, ROTCE was 9.74% and the efficiency ratio was 64.9%. Core(1) earnings per share of $0.71 for 4Q17, as well as core ROA of 1.31%, core ROTCE of 16.46% and core efficiency ratio of 57.0% were all unchanged. Additionally, we have revised our fourth quarter and full-year 2017 investor presentation materials. A copy of the press release announcing the settlement , the revised results of operations and other financial information and revised investor presentation materials are furnished with this Form 8-K as exhibits.

Item 9.01 Financial Statements and Exhibits (d) Exhibits:

99.1 Press Release Dated February 27, 2018

99.2 Revised Earnings Release schedules as of and for the year ended December 31, 2017

99.3 Revised Investor Presentation Materials.

(1) As used in this Form 8-K, core earnings per share (EPS), core return on assets (ROA), core return on tangible common equity (ROTCE) and core efficiency ratio are non-GAAP financial measures. For a reconciliation of these measures to their comparable GAAP measures, see Exhibit 99.2 under Item 9.01 of this Form 8-K. SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this Report to be signed on its behalf by the undersigned, hereunto duly authorized.

WSFS FINANCIAL CORPORATION

Date: February 27, 2018 By: /s/ Dominic C. Canuso Dominic C. Canuso Executive Vice President and Chief Financial Officer WSFS Bank Center 500 Delaware Avenue, Wilmington, Delaware 19801 EXHIBIT 99.1 FOR IMMEDIATE RELEASE Investor Contact: Dominic C. Canuso 302-571-6833 February 27, 2018 [email protected] Media Contact: Jimmy A. Hernandez 302-571-5254 [email protected] WSFS Reaches Settlement with Universitas Education, LLC WILMINGTON, Del. – WSFS Financial Corporation (WSFS), the parent company of WSFS Bank, announced today that it has entered into a settlement agreement with Universitas Education, LLC (Universitas), to resolve claims related to services provided by Christiana Bank & Trust Company (Christiana Trust) prior to WSFS’ acquisition of Christiana Trust in December 2010. WSFS previously disclosed the claims in its quarterly filings on Forms 10-Q in 2017. The claims relate to Christiana Trust’s role as “insurance trustee” of the Charter Oak Trust Welfare Benefit Plan (Charter Oak), and Universitas’ alleged loss after funds from certain life insurance benefits were misappropriated by certain individuals unaffiliated with Christiana Trust or WSFS. Universitas sought damages in excess of $54.0 million. WSFS settled the case for $12.0 million to avoid the uncertainties of arbitration and to end the expense of ongoing litigation.S eparately, WSFS will pursue all of its rights and remedies to recover this settlement payment and all related costs, including by enforcing the indemnity right in the 2010 Stock Purchase Agreement by which WSFS acquired Christiana Trust. Additionally, WSFS has already taken measures to recover expenses from various insurance carriers. WSFS intends to pursue all claims it has for full restitution for this settlement. “We are pleased to have reached an agreement on this years-old matter involving events alleged to have occurred prior to WSFS’

acquisition of Christina Trust,” said Rodger Levenson, Executive Vice President and Chief Operating Officer, WSFS Bank.“ With this agreement completed, we will focus on pursuing a full reimbursement for these costs.” The settlement for $12.0 million requires WSFS to update its previously reported fourth quarter 2017 earnings, reducing reported after-tax earnings by approximately $9.3 million, or $0.29 per share for the fourth quarter. The settlement will be reflected in the upcoming filing of our 2017 Form 10-K. About WSFS Financial Corporation WSFS Financial Corporation is a multi-billion dollar financial services company. Its primary subsidiary, WSFS Bank, is the oldest and largest locally-managed bank and trust company headquartered in Delaware and the Delaware Valley. As of December 31, 2017, WSFS Financial Corporation had $7.0 billion in assets on its balance sheet and $18.9 billion in assets under management and administration. WSFS operates from 76 offices located in Delaware (46), Pennsylvania (28), Virginia (1) and Nevada (1) and provides comprehensive financial services including commercial banking, retail banking, cash management and trust and wealth management. Other subsidiaries or divisions include Christiana Trust, WSFS Wealth Investments, Cypress Capital Management, LLC, West Capital Management, Powdermill Financial Solutions, Cash Connect®, WSFS Mortgage and Arrow Land Transfer. Serving the Delaware Valley since 1832, WSFS Bank is one of the ten oldest banks in the

WSFS Bank Center 500 Delaware Avenue, Wilmington, Delaware 19801 United States continuously operating under the same name. For more information, please visit wsfsbank.com. ###

WSFS Bank Center 500 Delaware Avenue, Wilmington, Delaware 19801 EXHIBIT 99.2

WSFS FINANCIAL CORPORATION FINANCIAL HIGHLIGHTS SUMMARY STATEMENTS OF INCOME (Unaudited)

(Dollars in thousands, except per share data) Three months ended Twelve months ended December 31, September 30, December 31, December 31, December 31, 2017 2017 2016 2017 2016 Interest income: Interest and fees on loans $ 59,889 $ 58,504 $ 53,951 $ 229,147 $ 194,345 Interest on mortgage-backed securities 5,176 4,955 4,096 19,308 15,754 Interest and dividends on investment securities 1,124 1,139 1,212 4,648 4,872 Other interest income 367 412 433 1,623 1,607 66,556 65,010 59,692 254,726 216,578 Interest expense: Interest on deposits 4,626 3,862 2,687 14,904 9,421 Interest on Federal Home Loan Bank advances 2,206 2,402 1,310 8,263 4,707 Interest on senior debt 1,179 1,807 2,120 7,228 6,356 Interest on trust preferred borrowings 522 500 439 1,940 1,622 Interest on other borrowings 298 310 182 1,120 727 8,831 8,881 6,738 33,455 22,833 Net interest income 57,725 56,129 52,954 221,271 193,745 Provision for loan losses 4,063 2,896 5,124 10,964 12,986 Net interest income after provision for loan losses 53,662 53,233 47,830 210,307 180,759 Noninterest income: Credit/debit card and ATM income 9,710 9,350 7,969 36,116 29,899 Investment management and fiduciary revenue 9,420 8,809 8,081 35,103 25,691 Deposit service charges 4,666 4,695 4,634 18,318 17,734 Mortgage banking activities, net 1,508 1,756 1,409 6,293 7,434 Loan fee income 735 483 567 2,218 2,066 Investment securities gains, net 220 736 479 1,984 2,369 Bank-owned life insurance income 421 546 222 1,545 919 Other income 5,755 6,066 4,938 23,067 18,949 32,435 32,441 28,299 124,644 105,061 Noninterest expense: Salaries, benefits and other compensation 28,145 29,172 24,794 114,376 95,983 Occupancy expense 4,807 4,756 4,086 19,409 16,646 Equipment expense 3,020 2,922 2,726 12,564 10,368 Professional fees 2,045 2,248 2,251 8,597 9,142 Data processing and operations expense 1,594 1,817 1,711 6,779 6,275 Marketing expense 815 712 843 3,083 3,020 FDIC expenses 533 560 526 2,216 2,606 Loan workout and OREO expense 316 484 622 1,820 1,681 Early extinguishment of debt — 695 — 695 — Corporate development expense 21 153 1,526 878 8,529 Provision for legal settlement 12,000 — — 12,000 —

Fraud loss 2,844 — — 2,844 — Other operating expenses 11,925 10,644 9,864 41,200 34,416 68,065 54,163 48,949 226,461 188,666 Income before taxes 18,032 31,511 27,180 108,490 97,154 Income tax provision 27,864 10,942 9,070 58,246 33,074 Net (loss) income $ (9,832) $ 20,569 $ 18,110 $ 50,244 $ 64,080 Diluted (loss) earnings per share of common stock: $ (0.31) $ 0.64 $ 0.56 $ 1.56 $ 2.06 Weighted average shares of common stock outstanding for fully diluted EPS (q) 31,404,353 32,268,538 32,280,897 32,302,540 31,085,693 See “Notes” WSFS Bank Center 500 Delaware Avenue, Wilmington, Delaware 19801

WSFS FINANCIAL CORPORATION FINANCIAL HIGHLIGHTS SUMMARY STATEMENTS OF INCOME (Unaudited) - continued

Three months ended Twelve months ended September 30, December 31, 2017 2017 December 31, 2016 December 31, 2017 December 31, 2016 Performance Ratios: Return on average assets (a) (0.56)% 1.20% 1.08% 0.74% 1.06% Return on average equity (a) (5.19) 11.06 10.37 6.92 10.03 Return on average tangible common equity (a)(o) (6.60) 15.22 14.82 9.74 12.85 Net interest margin (a)(b) 4.00 3.95 3.90 3.95 3.88 Efficiency ratio (c) 74.87 60.61 59.71 64.91 62.52 Noninterest income as a percentage of total net revenue (b) 35.68 36.30 34.52 35.72 34.81

See “Notes” WSFS Bank Center 500 Delaware Avenue, Wilmington, Delaware 19801

WSFS FINANCIAL CORPORATION FINANCIAL HIGHLIGHTS (Continued) SUMMARY STATEMENTS OF FINANCIAL CONDITION (Unaudited)

December 31, September 30, December 31, (Dollars in thousands) 2017 2017 2016 Assets: Cash and due from banks $ 122,141 $ 117,343 $ 119,929 Cash in non-owned ATMs 598,117 612,443 698,454 Investment securities (d) 161,809 162,345 199,979 Other investments 34,892 36,856 41,788 Mortgage-backed securities (d) 837,499 809,809 758,910 Net loans (e)(f)(l) 4,807,373 4,689,529 4,499,157 Bank owned life insurance 102,958 102,727 101,425 Goodwill and intangibles 188,444 189,116 191,247 Other assets 146,307 155,176 154,381 Total assets $ 6,999,540 $ 6,875,344 $ 6,765,270 Liabilities and Stockholders’ Equity: Noninterest-bearing deposits $ 1,420,760 $ 1,357,597 $ 1,266,306 Interest-bearing deposits 3,597,473 3,520,190 3,333,330 Total customer deposits 5,018,233 4,877,787 4,599,636 Brokered deposits 229,371 173,932 138,802 Total deposits 5,247,604 5,051,719 4,738,438 Federal Home Loan Bank advances 710,001 697,812 854,236 Other borrowings 227,805 305,496 413,211 Other liabilities 89,785 79,456 72,049 Total liabilities 6,275,195 6,134,483 6,077,934 Stockholders’ equity 724,345 740,861 687,336 Total liabilities and stockholders’ equity $ 6,999,540 $ 6,875,344 $ 6,765,270 Capital Ratios: Equity to asset ratio 10.35% 10.78% 10.16% Tangible common equity to tangible asset ratio (o) 7.87 8.25 7.55 Common equity Tier 1 capital (g) (required: 4.5%; well capitalized: 6.5%) (p) 11.36 11.52 11.19 Tier 1 leverage (g) (required: 4.00%; well-capitalized: 5.00%) (p) 9.73 10.24 9.66 Tier 1 risk-based capital (g) (required: 6.00%; well-capitalized: 8.00%) (p) 11.36 11.52 11.19 Total Risk-based capital (g) (required: 8.00%; well-capitalized: 10.00%) (p) 12.08 12.22 11.93 Asset Quality Indicators: Nonperforming Assets: Nonaccruing loans $ 36,436 $ 33,536 $ 22,876 Troubled debt restructuring (accruing) 20,061 14,905 14,336 Assets acquired through foreclosure 2,503 3,924 3,591 Total nonperforming assets $ 59,000 $ 52,365 $ 40,803 Past due loans (h) $ 461 $ 1,338 $ 438 Allowance for loan losses 40,599 40,201 39,751 Ratio of nonperforming assets to total assets 0.84% 0.76% 0.60% Ratio of nonperforming assets (excluding accruing TDRs) to total assets 0.56 0.54 0.39 Ratio of allowance for loan losses to total gross loans (i)(n) 0.84 0.86 0.89 Ratio of allowance for loan losses to nonaccruing loans 111 120 174 Ratio of quarterly net charge-offs to average gross loans (a)(e)(i)(n) 0.31 0.23 0.40 Ratio of year-to-date net charge-offs to average gross loans (a)(e)(i)(n) 0.22 0.19 0.25 See “Notes” WSFS Bank Center 500 Delaware Avenue, Wilmington, Delaware 19801

WSFS FINANCIAL CORPORATION FINANCIAL HIGHLIGHTS (Continued) AVERAGE BALANCE SHEET (Unaudited)

(Dollars in thousands) Three months ended December 31, 2017 September 30, 2017 December 31, 2016 Yield/ Yield/ Yield/ Average Interest & Rate Average Interest & Rate Average Interest & Rate Balance Dividends (a)(b) Balance Dividends (a)(b) Balance Dividends (a)(b) Assets: Interest-earning assets: Loans: (e) (j) Commercial real estate loans $ 1,469,316 $ 18,713 5.05% $ 1,422,306 $ 18,186 5.07% $ 1,354,359 $ 17,004 4.99% Residential real estate loans 258,900 3,714 5.74 269,134 3,747 5.57 288,281 4,687 6.50 Commercial loans 2,497,730 30,575 4.89 2,471,382 30,013 4.85 2,328,245 26,789 4.61 Consumer loans 543,569 6,700 4.89 509,750 6,329 4.93 448,709 4,988 4.42 Loans held for sale 18,862 187 3.97 22,734 229 4.03 57,432 483 3.36 Total loans 4,788,377 59,889 4.98 4,695,306 58,504 4.96 4,477,026 53,951 4.81 Mortgage-backed securities (d) 824,838 5,176 2.51 809,655 4,955 2.45 763,379 4,096 2.15 Investment securities (d) 162,258 1,124 4.12 168,526 1,139 4.08 200,517 1,212 3.49 Other interest-earning assets 33,389 367 4.40 36,992 412 4.46 36,418 433 4.76 Total interest-earning assets 5,808,862 66,556 4.60% 5,710,479 65,010 4.57% 5,477,340 59,692 4.39% Allowance for loan losses (40,465) (40,831) (39,720) Cash and due from banks 136,542 118,056 127,583 Cash in non-owned ATMs 575,121 558,855 653,662 Bank owned life insurance 102,781 102,513 101,733 Other noninterest-earning assets 342,467 344,783 324,679 Total assets $ 6,925,308 $ 6,793,855 $ 6,645,277 Liabilities and Stockholders’ Equity: Interest-bearing liabilities: Interest-bearing deposits: Interest-bearing demand $ 1,017,068 $ 781 0.30% $ 939,239 $ 606 0.26% $ 925,853 $ 331 0.14% Money market 1,345,702 1,375 0.41 1,324,946 1,227 0.37 1,273,868 968 0.30 Savings 554,028 262 0.19 564,275 264 0.19 548,669 220 0.16 Customer time deposits 597,111 1,467 0.97 555,668 1,188 0.85 577,834 934 0.64 Total interest-bearing customer deposits 3,513,909 3,885 0.44 3,384,128 3,285 0.39 3,326,224 2,453 0.29 Brokered deposits 243,441 741 1.21 195,073 577 1.17 148,127 234 0.63 Total interest-bearing deposits 3,757,350 4,626 0.49 3,579,201 3,862 0.43 3,474,351 2,687 0.31 FHLB of Pittsburgh advances 633,941 2,206 1.38 730,390 2,402 1.30 786,171 1,310 0.66 Trust preferred borrowings 67,011 522 3.09 67,011 500 2.96 67,011 439 2.61 Senior Debt 98,139 1,179 4.81 134,658 1,807 5.37 151,966 2,120 5.58 Other borrowed funds 122,313 298 0.97 132,030 310 0.93 133,037 182 0.54 Total interest-bearing liabilities 4,678,754 8,831 0.75% 4,643,290 8,881 0.76% 4,612,536 6,738 0.58% Noninterest-bearing demand deposits 1,414,356 1,333,266 1,271,373 Other noninterest-bearing liabilities 80,248 79,176 66,580 Stockholders’ equity 751,950 738,123 694,788 Total liabilities and stockholders’ equity $ 6,925,308 $ 6,793,855 $ 6,645,277 Excess of interest-earning assets over interest-bearing liabilities $ 1,130,108 $ 1,067,189 $ 864,804 Net interest and dividend income $ 57,725 $ 56,129 $ 52,954 Interest rate spread 3.85% 3.81% 3.81%

Net interest margin 4.00% 3.95% 3.90% See “Notes” WSFS Bank Center 500 Delaware Avenue, Wilmington, Delaware 19801

WSFS FINANCIAL CORPORATION FINANCIAL HIGHLIGHTS (Continued) (Unaudited)

(Dollars in thousands, except per share data) Three months ended Twelve months ended December 31, September 30, December 31, December 31, December 31, Stock Information: 2017 2017 2016 2017 2016 Market price of common stock: High $52.50 $49.45 $47.64 $52.50 $47.64 Low 45.75 42.45 31.90 42.45 26.40 Close 47.85 48.75 46.35 47.85 46.35 Book value per share of common stock 23.06 23.59 21.90 Tangible common book value per share of common stock (o) 17.06 17.57 15.80 Number of shares of common stock outstanding (000s) 31,418 31,410 31,390 Other Financial Data: One-year repricing gap to total assets (k) (0.80)% (1.70)% (4.14)% Weighted average duration of the MBS portfolio 5.2 years 5.1 years 5.4 years Unrealized (losses) gains on securities available for sale, net of taxes $(6,401) $(3,528) $(8,194) Number of Associates (FTEs) (m) 1,159 1,121 1,116 Number of offices (branches, LPO’s, operations centers, etc.) 76 77 77 Number of WSFS owned ATMs 440 447 446

Notes: (a) Annualized. (b) Computed on a fully tax-equivalent basis. (c) Noninterest expense divided by (tax-equivalent) net interest income and noninterest income. (d) Includes securities held to maturity (at amortized cost) and securities available for sale (at fair value). (e) Net of unearned income. (f) Net of allowance for loan losses. (g) Represents capital ratios of Wilmington Savings Fund Society, FSB and subsidiaries. (h) Accruing loans which are contractually past due 90 days or more as to principal or interest. (i) Excludes loans held for sale. (j) Nonperforming loans are included in average balance computations. (k) The difference between projected amounts of interest-sensitive assets and interest-sensitive liabilities repricing within one year divided by total assets, based on a current interest rate scenario. (l) Includes loans held for sale and reverse mortgages. (m) Includes seasonal Associates, when applicable. (n) Excludes reverse mortgage loans. (o) The Company uses non-GAAP (Generally Accepted Accounting Principles) financial information in its analysis of the Company’s performance. The Company’s management believes that these non-GAAP measures provide a greater understanding of ongoing operations, enhance comparability of results of operations with prior periods and show the effects of significant gains and charges in the periods presented. The Company’s management believes that investors may use these non-GAAP measures to analyze the Company’s financial performance without the impact of unusual items or events that may obscure trends in the Company’s underlying performance. This non-GAAP data should be considered in addition to results prepared in accordance with GAAP, and is not a substitute for, or superior to, GAAP results. A reconciliation of these non-GAAP measures is included on the following pages. (p) Calculated for Wilmington Savings Fund Society, FSB. (q) Diluted earnings per share considers the impact of potentially dilutive shares except in periods in which there is a loss because the inclusion of the potential common shares would have an anti-dilutive effect. For the three months ended December 31, 2017, 884,982 shares were anti-dilutive and were not included in the diluted earnings per share calculation. WSFS Bank Center 500 Delaware Avenue, Wilmington, Delaware 19801

WSFS FINANCIAL CORPORATION FINANCIAL HIGHLIGHTS (Continued) (Dollars in thousands, except per share data) (Unaudited)

Non-GAAP Reconciliation (o): Three months ended Twelve months ended December 31, September 30, December 31, December 31, December 31, 2017 2017 2016 2017 2016 Net interest income (GAAP) $ 57,725 $ 56,129 $ 52,954 $ 221,271 $ 193,745 Core net interest income (non-GAAP) $ 57,725 $ 56,129 $ 52,954 $ 221,271 $ 193,745 Noninterest Income (GAAP) $ 32,435 $ 32,441 $ 28,299 $ 124,644 $ 105,061 Less: Securities gains 220 736 479 1,984 2,369 Core fee income (non-GAAP) $ 32,215 $ 31,705 $ 27,820 $ 122,660 $ 102,692 Core net revenue (non-GAAP) $ 89,940 $ 87,834 $ 80,774 $ 343,931 $ 296,437 Core net revenue (non-GAAP)(tax- equivalent) $ 90,688 $ 88,627 $ 81,494 $ 346,922 $ 299,407 Noninterest expense (GAAP) $ 68,065 $ 54,163 $ 48,949 $ 226,461 $ 188,666 Less: Provision for legal settlement 12,000 — — 12,000 — Less: Fraud loss 2,844 — — 2,844 — Less: WSFS Foundation contribution 1,500 — — 1,500 — Less: Corporate development costs 21 153 1,526 878 8,529 Less: Debt extinguishment costs — 695 — 695 — Core noninterest expense (non-GAAP) $ 51,700 $ 53,315 $ 47,423 $ 208,544 $ 180,137 Core efficiency ratio (c) 57.0% 60.2% 58.2% 60.1% 60.2%

End of period December 31, September 30, December 31, 2017 2017 2016 Total assets $ 6,999,540 $ 6,875,344 $ 6,765,270 Less: Goodwill and other intangible assets 188,444 189,116 191,247 Total tangible assets $ 6,811,096 $ 6,686,228 $ 6,574,023 Total stockholders’ equity $ 724,345 $ 740,861 $ 687,336 Less: Goodwill and other intangible assets 188,444 189,116 191,247 Total tangible common equity (non-GAAP) $ 535,901 $ 551,745 $ 496,089 Calculation of tangible common book value per share: Book value per share (GAAP) $ 23.06 $ 23.59 $ 21.90 Tangible common book value per share (non-GAAP) 17.06 17.57 15.80 Calculation of tangible common equity to tangible assets: Equity to asset ratio (GAAP) 10.35% 10.78% 10.16% Tangible common equity to tangible assets ratio (non-GAAP) 7.87 8.25 7.55 WSFS Bank Center 500 Delaware Avenue, Wilmington, Delaware 19801

Three months ended Twelve months ended December 31, September December 31, December 31, December 31, 2017 30, 2017 2016 2017 2016 GAAP net (loss) income $ (9,832) $ 20,569 $ 18,110 $ 50,244 $ 64,080 Pre-tax adjustments: Securities gains, Provision for legal settlement, fraud loss and WSFS Foundation contribution, debt extinguishment costs, corporate development 16,145 112 1,047 15,933 6,160 Tax adjustments: DTA writedown & BOLI surrender 22,452 — — 22,452 — Tax impact of pre-tax adjustments (5,858) (43) (315) (5,788) (1,837) Non-GAAP net income $ 22,907 $ 20,638 $ 18,842 $ 82,841 $ 68,403

GAAP return on average assets (ROA) (0.56)% 1.20 % 1.08 % 0.74 % 1.06 % Pre-tax adjustments: Securities gains, Provision for legal settlement, fraud loss and WSFS Foundation contribution, debt extinguishment costs, corporate development 0.92 0.01 0.06 0.23 0.10 Tax adjustments: DTA writedown & BOLI surrender 1.29 — — 0.33 — Tax impact of pre-tax adjustments (0.34) — (0.02) (0.09) (0.03) Core ROA (non-GAAP) 1.31 % 1.21 % 1.12 % 1.21 % 1.13 %

EPS (GAAP) $ (0.31) $ 0.64 $ 0.56 $ 1.56 $ 2.06 Pre-tax adjustments: Securities gains, Provision for legal settlement, fraud loss and WSFS Foundation contribution, debt extinguishment costs, corporate development 0.50 — 0.03 0.49 0.19 Tax adjustments: DTA writedown & BOLI surrender 0.70 — — 0.70 — Tax impact of pre-tax adjustments (0.18) — (0.01) (0.18) (0.06) Core EPS (non-GAAP) $ 0.71 $ 0.64 $ 0.58 $ 2.57 $ 2.19

Calculation of return on average tangible common equity: GAAP net (loss) income $ (9,832) $ 20,569 $ 18,110 $ 50,244 $ 64,080 Plus: Tax effected amortization of intangible assets 461 468 808 1,954 1,621 Net tangible income (non-GAAP) $ (9,371) $ 21,037 $ 18,918 $ 52,198 $ 65,701 Average shareholders’ equity $ 751,950 $ 738,123 $ 694,788 $ 725,763 $ 638,624 Less: average goodwill and intangible assets 188,834 189,599 186,890 189,784 127,168 Net average tangible common equity $ 563,116 $ 548,524 $ 507,898 $ 535,979 $ 511,456 Return on average tangible common equity (non-GAAP) (6.60)% 15.22 % 14.82 % 9.74 % 12.85 %

Calculation of core return on average tangible common equity: Non-GAAP net income $ 22,907 $ 20,638 $ 18,842 $ 82,841 $ 68,403 Plus: Tax effected amortization of intangible assets 461 468 808 1,954 1,621 Core net tangible income (non-GAAP) $ 23,368 $ 21,106 $ 19,650 $ 84,795 $ 70,024 Net average tangible common equity $ 563,116 $ 548,524 $ 507,898 $ 535,979 $ 511,456 Core return on average tangible common equity (non-GAAP) 16.46 % 15.27 % 15.39 % 15.82 % 13.69 % WSFS Financial Corporation 4Q 2017 Investor Update February 27, 2018E XHIBIT 99.3

Stockholders or others seeking information regarding the Company may call or write: WSFS Financial Corporation Investor Relations WSFS Bank Center 500 Delaware Avenue Wilmington, DE 19801 302-571-7264s [email protected] ww.wsfsbank.com Mark A. Turner Chairman, President and CEO 302-571-7160m [email protected] Rodger Levenson Chief Operating Officer3 02-571-7296r [email protected] 2 Dominic C. Canuso Chief Financial Officer 302-571-6833d [email protected]

Table of Contents Forward-Looking Statements / Non-GAAP Information / Reported Financial Results2 018 Outlook The WSFS Franchise Page 4P age 9P age 12 3 2017 Highlights Page 7S elected Financial Information Page 23A ppendix 1 –Management Team Page 34A ppendix 2 – Business Model Page 36 Appendix 3 – Non-GAAP Financial Information Page 37

Forward-Looking Statements This presentation contains estimates, predictions, opinions, projections and other "forward-looking statements" as that phrase is defined in the Private Securities Litigation Reform Act of 1995. Such statements include, without limitation, references to the Company's predictions or expectations of future business or financial performance as well as its goals and objectives for future operations, financial and business trends, business prospects, and management's outlook or expectations for earnings, revenues, expenses, capital levels, liquidity levels, asset quality or other future financial or business performance, strategies or expectations. Such forward-looking statements are based on various assumptions (some of which may be beyond the Company's control) and are subject to risks and uncertainties (which change over time) and other factors which could cause actual results to differ materially from those currently anticipated. Such risks and uncertainties include, but are not limited to, those related to difficult market conditions and unfavorable economic trends in the United States generally, and particularly in the market areas in which the Company operates and in which its loans are concentrated, including the effects of declines in housing markets, an increase in unemployment levels and slowdowns in economic growth; the Company's level of nonperforming assets and the costs associated with resolving any problem loans including litigation and other costs; changes in market interest rates may increase funding costs and reduce earning asset yields thus reducing margin; the impact of changes in interest rates and the credit quality and strength of underlying collateral and the effect of such changes on the market value of the Company's investment securities portfolio; the credit risk associated with the substantial amount of commercial real estate, construction and land development, and commercial and industrial loans in our loan portfolio; the extensive federal and state regulation, supervision and examination governing almost every aspect of the Company's operations including changes in regulations affecting financial institutions, including the Dodd-Frank Wall Street Reform and Consumer Protection Act and the rules and regulations being issued in accordance with this statute and potential expenses associated with complying with such regulations; possible additional loan losses and impairment of the collectability of loans; the Company's ability to comply with applicable capital and liquidity requirements (including the finalized Basel III capital standards), including our ability to generate liquidity internally or raise capital on favorable terms; possible changes in trade, monetary and fiscal policies, laws and regulations and other activities of governments, agencies, and similar organizations; any impairment of the Company's goodwill or other intangible assets; failure of the financial and operational controls of the Company's Cash Connect® division; conditions in the financial markets that may limit the Company's access to additional funding to meet its liquidity needs; the success of the Company's growth plans, including the successful integration of past and future acquisitions; negative perceptions or publicity with respect to the Company's trust and wealth management business; system failure or cybersecurity breaches of the Company's network security; the Company's ability to recruit and retain key employees; the effects of problems encountered by other financial institutions that adversely affect the Company or the banking industry generally; the effects of weather and natural disasters such as floods, droughts, wind, tornadoes and hurricanes as well as effects from geopolitical instability and manmade disasters including terrorist attacks; possible changes in the speed of loan prepayments by the

Company's customers and loan origination or sales volumes; possible acceleration of prepayments of mortgage-backed securities due to low interest rates, and the related acceleration of premium amortization on prepayments on mortgage-backed securities due to low interest rates; regulatory limits on the Company's ability to receive dividends from its subsidiaries and pay dividends to its stockholders; the effects of any reputational, credit, interest rate, market, operational, legal, liquidity, regulatory and compliance risk resulting from developments related to any of the risks discussed above; and the costs associated with resolving any problem loans, litigation and other risks and uncertainties, discussed in the Company's Form 10-K for the year ended December 31, 2016 and other documents filed by the Company with the Securities and Exchange Commission from time to time. Forward-looking statements are as of the date they are made, and the Company does not undertake to update any forward-looking statement, whether written or oral, that may be made from time to time by or on behalf of the Company.

Non-GAAP InformationT his presentation contains financial information and performance measures determined by methods other than in accordance with accounting principles generally accepted in the United States (“GAAP”). The Company’s management believes that these non-GAAP measures provide a greater understanding of ongoing operations, enhance comparability of results of operations with prior periods and show the effects of significant gains and charges in the periods presented. The Company’s management believes that investors may use these non-GAAP measures to analyze the Company’s financial performance without the impact of unusual items or events that may obscure trends in the Company’s underlying performance. This non-GAAP data should be considered in addition to results prepared in accordance with GAAP, and is not a substitute for, or superior to, GAAP results.F or a reconciliation of these non-GAAP to their comparable GAAP measures, see Appendix 3.T he following are the non-GAAP measures used in this presentation: . Core net income is a non-GAAP measure that adjusts net income determined in accordance with GAAP to exclude the impact of securities gains (losses), corporate development expenses, debt extinguishment costs, and other unusual items . Core noninterest income, also called core fee income, is a non-GAAP measure that adjusts noninterest income as determined in accordance with GAAP to exclude the impact of securities gains (losses) . Core earnings per share (EPS) is a non-GAAP measure that divides (i) core net income by (ii) weighted average shares of common stock outstanding for the applicable period . Core net revenue is a non-GAAP measure that is determined by adding core net interest income plus core noninterest income . Core noninterest expense is a non-GAAP measure that adjusts noninterest expense as determined in accordance with GAAP to exclude

corporate development expenses, debt extinguishment costs, fraud loss, WSFS Foundation Contributions and unusual legal settlements. . Core efficiency ratio is a non-GAAP measure that is determined by dividing core noninterest expense by the sum of core interest income and core noninterest income . Core fee income to total revenue is a non-GAAP measure that divides (i) core non interest income by (ii) (tax equivalent) core net interest income and core noninterest income . Core return on assets (ROA) is a non-GAAP measure that divides (i) core net income by (ii) average assets for the applicable period. Core and Sustainable ROA is a non-GAAP measure that divides (i) net income determined in accordance with GAAP and adjusting it by taking core net income and normalizing for long-term credit costs, non-recurring accretion from purchased credit impaired loans (“PCI”), and a normal tax rate by (ii) average assets for the applicable period . Tangible common equity is a non-GAAP measure and is defined as total average stockholders’ equity less goodwill, other intangible assets and preferred stock. Return on average tangible common equity (ROTCE) is a non-GAAP measure and is defined as net income allocable to common stockholders divided by tangible common equity 5

Reported Financial Results 6 4Q 2017 Reported Results: • Reported a net loss of $9.8 million, or $0.31 per diluted common share for 4Q17 compared to net income of $18.1 million, or $0.56 per share for 4Q16 and net income of $20.6 million, or $0.64 per share for 3Q17. • Net revenue was $90.2 million, an increase of $8.9 million, or 11% from 4Q16 • Net interest income was $57.7 million, an increase of $4.8 million, or 9% from 4Q16; and noninterest income was $32.4 million, an increase of $4.1 million, or 15% from 4Q16• Noninterest expense was $68.1 million, an increase of $19.1 million, or 39% from 4Q16 • Reported results include the impact of four notable items previously disclosed on January 4, 2018 on Form 8-K and the legal settlement disclosed on February 27, 2018. Detail on the impact of these items can be found on page 38. • EPS ($0.31) • NIM 4.00% • ROA (0.56%) • Fee Income / Total Revenue 35.7% • ROTCE (6.60%) • Efficiency Ratio 74.9%

2017 Highlights

2017 Financial Performance 8 (1) Thesea re non-GAAP financial measures and should be considered along with results prepared in accordance with GAAP, and not as a substitute for GAAP results.S ee Appendix 3 for a reconciliation to GAAP financial information. (2) Core and Sustainable ROA is a non-GAAP measure that divides (i) net income determined in accordance with GAAP and adjusting it by taking core net income and normalizing for long-term credit costs, non-recurring accretion from purchased credit impaired loans (“PCI”), and a normal tax rate by (ii) average assets. See Appendix 3 for GAAP reconciliation 2017 Expectations2 017 Core(1) Results Mid-to-high single digit loan growth +7% Demonstrates our ability to gain market share organically and fund our loan growth via customer generated depositsMid-to-high single digit customer deposit growth +9% NIM in the mid-3.90's 3.95% An increase of 7 basis points from the prior full year Total credit costs between $12 – $14 million for the year $12.6M Around 20bps of assets 20%+ fee income growth 19% 12 percentage points from organic growth Efficiency ratio around 60% 60.1% Well managed and consistent with expectations 4Q17 Core & Sustainable ROA(2) of 1.31% Achieved Strategic Plan goal of 1.30% by 4Q18 a full year ahead of schedule Key Core(1) Performance Metrics – Full Year 2017R OA 1.21%R OTCE 15.8% EPS $2.56

2018 Outlook

2018 Outlook(1)1 0• Mid-to high-single-digit loan and core deposit growth • Net interest margin in the 3.90%s• Assumes one rate increase in June 2018 • The impact of any additional rate increases and the magnitude and lag of rising deposit betas will likely determine our ability to get to the upper end of this range for the full year • Total credit costs (provision, loan workout expenses, OREO expenses, and other credit reserves) between $13 – $15 million for the year or approximately 20bps of assets. Credit costs can be uneven quarter to quarter • Low double-digit non-interest income growth • Assumes no additional fee-based acquisitions • Efficiency ratio slightly under 60% • Effective tax rate of approximately 23%. This tax rate may fluctuate quarter to quarter due to equity exercise activity and other factors (1) Thesea re non-GAAP financial measures and should be considered along with results prepared in accordance with GAAP, and not as a substitute for GAAP results.S ee Appendix 3 for a reconciliation to GAAP financial information.

0.91% 0.95% 1.13% 1.15% 1.24% 1.30% 0.80% 0.90% 1.00% 1.10% 1.20% 1.30% 1.40% 1.50% FY13 Core &S ustainableF Y14 Core &S ustainableF Y15 Core &S ustainableF Y16 Core &S ustainableF Y17 Core &S ustainableF Y18 Outlook1 1C o re & Sus t ai n abl e (1 ) R O A Core & Sustainable ROA(1)G AAP ROA 1.07% 1.17% 1.05% 1.06% 0.74% 2018 Outlook (1) Core and Sustainable ROA is a non-GAAP measure that divides (i) net income determined in accordance with GAAP and adjusting it by taking core net income and normalizing for long-term credit costs, non-recurring accretion from purchased credit impaired loans (“PCI”), and a normal tax rate by (ii) average assets. See Appendix 3 for GAAP reconciliation. Adjusted for new corporate tax rate 1.50% Began with Core and Sustainable ROA of 0.70% in 1Q13

The WSFS Franchise

• Largest independent bank and trust co. HQ in the Del. Valley • $7.0 billion in assets • $18.6 billion in fiduciary assets, including $2.3 billion in assets under management • 76 offices • Founded in 1832, WSFS is one of the ten oldest banks in the U.S. • Major business lines • Retail• Commercial • Wealth Management (1)• Cash Connect® (ATM cash and related businesses) (1)T he WSFS Franchise 13(1) Wealth and Cash Connect businesses conducted nationwide

*Most recently available FDIC data 14 The WSFS Franchise Deposits of Traditional Banks in the State of Delaware June 30, 2017* Rank Institution Branch Count Total Deposits in MarketT otal Market Share ‘16-’17 Growth ‘16-’17 Growth CAGR ‘08-’17 1 M&T Bank Corp (NY)1 39 6,063,740 29.28% 295,893 5.13% 3.08%2 PNC Financial Service Group (PA) 38 4,384,463 21.17% 301,151 7.38% 7.66% 3 WSFS Financial Corp (DE) 34 3,690,248 17.82% 225,675 6.51% 10.13% 4 Wells Fargo & Co (CA) 20 2,263,441 10.93% 92,096 4.24% -4.38%5 TD Bank (Canada)2 13 1,151,422 5.56% 183,438 18.95% 14.17% 6 Citizens (RBS - Scotland) 23 1,137,645 5.49% 18,245 1.63% 1.30% 7 Bank of America (NC) 5 685,969 3.31% 409,708 148.3% 45.14%8 Fulton Financial Corp. (PA) 10 570,966 2.76% 48,715 9.33% 10.20% 9 Artisans’ Bank (DE) 12 461,380 2.23% 18,272 4.12% -1.31% 10 County Bank (DE) 7 298,288 1.44% 8,257 2.85% 0.46% Top 10 State of Delaware Banks3 201 $20,707,562 100.00% 1,601,450 8.38% 4.37%( 1) M&T Bank deposits excludes a $1.1 billion increase in the Wilmington Trust office. M&T reported‘ 16 - ’17 growth is 24.1%. (2) Excludes estimated out of market deposits of TD bank. (3) Top 10 Delaware Banks house 96% of all traditional deposits in the share.

The WSFS Franchise – PA Expansion 15S trong position as one of the few remaining super-community banks in the attractive and rapidly consolidating southeastern PA markets( 1) Source: FDIC (2) Based on customer address (3) Includes one location (West Capital) in Philadelphia, PA Figures are as of 6/30/2012 & 6/30/2017 Southeastern PA -- Chester, Delaware & Montgomery Counties 2017 2012 Change Market Share (1) 1.86% 0.24% +1.62%L oans (2) $1.29B $442M +192%D eposits (2) $1.19B $323M +268% Locations (3) 29 9 +20 Households (2) 18,157 5,976 +204%O ver the past 5 years, WSFS has successfully expanded its franchise into Pennsylvania through: • De novo branches; hiring local lenders • Acquisition of Array / Arrow • Acquisition of Alliance Bank • Acquisition of Penn Liberty Bank • Acquisition of West Capital Management

16D eposits of Traditional Banks in Chester, Delaware and Montgomery Counties in Pennsylvania June 30, 2017* Rank Institution Branch Count Total Deposits in MarketT otal Market Share ‘16-’17 Growth ‘16-’17 Growth CAGR ‘08-’17 1 Wells Fargo Bank 80 $10,975,086 19.29% $977,060 9.77% 6.53% 2 TD Bank 46 $7,785,744 13.68% $1,228,494 18.73% 5.37% 3 Citizens Bank of Pennsylvania 79 $7,053,405 12.40% $336,862 5.02% 4.10% 4 PNC Bank 44 $5,475,217 9.62% $325,942 6.33% 7.38% 5 BB&T 52 $3,071,174 5.40% ($257,602) -7.74% 9.64% 6 The Bryn Mawr Trust Company 32 $2,573,802 4.52% $261,527 11.31% 14.57% 7 Bank of America 24 $2,418,975 4.25% $99,042 4.27% 14.28%8 Univest Bank and Trust 21 $1,982,274 3.48% $499,927 33.73% 6.86% 9 Santander Bank 37 $1,900,321 3.34% $39,228 2.11% 0.84% 10 Key Bank 32 $1,808,369 3.18% ($71,783) -3.82% 0.41%1 4 WSFS Financial Corp (1) 24 $1,055,688 1.86% ($90,006) -7.86% 28.41% Other banks 171 $10,801,499 18.98% $332,913 3.18% -1.91% Totalo f the 3 Counties 642 $56,901,5541 00.00% $3,681,604 6.92% 4.21%T he WSFS Franchise – PA Expansion (1) $90 million deposit reduction figure includes $29MM of expected deposit attrition from the Penn Liberty acquisition, $31MM of high-cost CD attrition from the Alliance acquisition and $39MM of customer deposits that were atypically high at 6/30/16

The WSFS Franchise - Attractive Markets1 7Sources: SNL Financial, U.S. Census Bureau, Zillow Note: No Zillow Home Value Index was available for Sussex County; information shown details median listing price in Sussex County, DE. - 100,000 200,000 300,000 400,000 500,000 600,000 700,000 800,000 900,000 Sussex Kent New Castle Delaware Chester Montgomery Population Delaware Southeastern PA - 10,000 20,000 30,000 40,000 50,000 60,000 70,000 80,000 90,000 100,000 Sussex Kent New Castle Delaware Chester Montgomery Median Household Income National Average Delaware Southeastern PA - 50,000 100,000 150,000 200,000 250,000 300,000 350,000 Sussex Kent New Castle Delaware Chester Montgomery Median Home Value National Average Delaware Southeastern PA - 10,000 20,000 30,000 40,000 50,000 60,000 70,000 80,000 90,000 Sussex Kent New Castle Delaware Chester Montgomery Number of Businesses Delaware Southeastern PA

Regional Employment Composition Philadelphia-Camden-Wilmington MSA1 8Chart Data Source: Bureau of Labor Statistics: Employees on nonfarm payrolls by industry supersector, Philadelphia-Camden-Wilmington MSA, not seasonally adjusted; July 2017 (1) Unemployment rate is for the State of Delaware, Chester County PA, Delaware County PA, & Montgomery County PA (equally weighted). Unadjusted November 2017. Diversity of industries drives stable & favorable employment in our markets Unemployment of 3.7%(1) Mining, logging, and construction 4% Manufacturing 6% Trade, Transportation & Utilities1 8% Information 2% Financial activities 7% Professional & Business Services 16% Education & Health Services 21% Leisure and hospitality 10% Other services 4% Government 11%

$32 $33 $33 $36 $40 $46 $19 $24 $26 $30 $36 $43 $14 $16 $18 $23 $27 $36 33% 35% 34%3 5% 34% 36% $0$ 20 $40 $60 $80 $100$ 1202 012 2013 2014 2015 2016 2017 Tot a l Co re (1 ) Fee in com e $ in M ill io n s Trust & Wealth Cash Connect Bank Segment WSFS Strategic Plan goal of fee (non-interest) income to total revenue of 40% by 4Q 2018 The WSFS Franchise – Diversified & Robust Fee Income 19% ’s represent fee (non-interest) income / total revenue (1)T hese are non-GAAP financial measures and should be considered along with results prepared in accordance with GAAP, and not as a substitute for GAAP results.S ee Appendix 3 for reconciliation to GAAP financial information. 5 Year CAGR Trust & Wealth: 21% Cash Connect: 18% Bank: 8%

The WSFS Franchise –WSFS Wealth A Full-Service Wealth Management Offering 20N et Revenue of $50.2 million in 2017P re-tax Profit of $3.9 million (1) (1)I ncludes a $12.0 million legal settlement

The WSFS Franchise – Cash Connect® • Leading provider of ATM vault cash, armored carrier management, cash forecasting services, insurance and equipment services • Over $970 million in vault cash managed • Over 23,000 non-bank ATMs in all 50 States • Vault cash margin pressure offset by additional managed services • Operates 440 ATMs for WSFS Bank; largest in-market ATM franchise • $36.6 million in net revenue (fee income less funding costs) and $7.5 million in pre-tax profitability in 2017 • 5 year CAGR for net revenue is 15% • Also serves as an innovation center for the company, both expanding core ATM offerings and additional payment-, processing- and software-related activities; e.g., launched WSFS Mobile Cash – allows Customers to securely withdraw cash from ATMs by using their WSFS Mobile Banking App • Growing smart safe pipeline generated by several national channel partners that are actively marketing our program, in addition to 1,599 smart safes as of 12/31/17, up from just over 100 safes at the end of 2015 21

Embracing Innovation as a Catalyst for Growth 22

Selected Financial Information

Cash Connect 9% Investments 15% BOLI 1% Non-E arning Assets 6% Net Loans 69% The WSFS Franchise - WSFS Bank Assets $7.0 Billion; Net Loans $4.8 BillionA sset Composition – December 31, 2017 6% 12% 6% 52% 24% CREC &I Residential Mortgages Consumer Construction • Commercial loans comprise 82% of the loan portfolio• C&I (including owner-o ccupied real estate), the largest component, makes up 52% of the loan portfolio 24

Total Funding – $7.0 Billion; Customer Deposits- $5.0 BillionF unding Composition – December 31, 2017O ther Liabilities1 % Wholesale Deposits 3% Borrowings 13% Equity 11% Customer Deposits 72% Non-i nterest DDA 28%I nterest DDA 21%M oney Market & Savings 38% Time1 3% • Core deposits represent 87% of total customer deposits and non-interest and very low interest DDA (WAC 30bps) stand at 49% of customer funding 25T he WSFS Franchise - WSFS Bank

The WSFS Franchise - Balanced Growth 26B alance sheet composition has remained steady as WSFS has grown 53% 52% 24% 24% 9% 6% 10% 12% 4% 6% 0 1,000,000 2,000,000 3,000,000 4,000,000 5,000,000 6,000,000 December 31, 2013 December 31, 2017 Loan Composition C&I CRE Residential Mortgage ConsumerC onstruction 9% 10% 25% 18% 14% 20% 14% 15% 28% 27% 10% 9% 0 1,000,000 2,000,000 3,000,000 4,000,000 5,000,000 6,000,000 7,000,000 8,000,000 December 31, 2013 December 31, 2017 Funding Composition Equity Borrowings & Other Non-Interest DDA Interest DDA Money Market & Savings Time

Well Positioned for Rising RatesA s of 12/31/17 (WSJ Prime @ 4.50%) BPS Change(1) NII % ImpactN II $ Impact +25 0.6% +1.3mm+ 50 1.1% +2.6mm+ 100 2.3% +5.2mm +200 4.4% +10.1mmB alance Sheet Drivers • High % of variable/adjustable rate total loan portfolio: 66% • High % core deposits: 87%; high % non-interest bearing and low-interest DDA: 49% • Solid brand and position / WSFS is a market “price leader” (1) WSFS IRR model estimates: Static Balance Sheet / Instantaneous Rate Shocks 27

0.84% 0.20% 0.70% 1.20% 1.70% 2.20% 1Q 132 Q 133 Q 134 Q 131 Q 142 Q 143 Q 144 Q 141 Q 152 Q 153 Q 154 Q 151 Q 162 Q 163 Q 164 Q 161 Q 172 Q 173 Q 174 Q 17O verall Credit Trends Remain Strong0 .53% 0.20% 0.40% 0.60% 0.80% 1.00% 1.20% 1.40% 1.60% 1.80% 2.00% 1Q 132 Q 133 Q 134 Q 131 Q 142 Q 143 Q 144 Q 141 Q 152 Q 153 Q 154 Q 151 Q 162 Q 163 Q 164 Q 161 Q 172 Q 173 Q 174 Q 17D elinquencies Large Relationship (3)D elinquencies (2) / Gross LoansW eighted Average Risk Rating (1) (1) 10 point scale; 1 is substantially risk-free, 10 is a loss. Figures are based on loan outstandings. High point of 5.53 represents the high point since WSFS converted to a 10 point scale in 1Q12. (2) Includes non-accruing loans (3) One large $15.4 million, highly-seasonal relationship that was exited in 3Q 2016 28 4.95 4.00 4.20 4.40 4.60 4.80 5.00 5.20 5.40 5.60 5.80 6.00 1Q 132 Q 133 Q 134 Q 131 Q 142 Q 143 Q 144 Q 141 Q 152 Q 153 Q 154 Q 151 Q 162 Q 163 Q 164 Q 161 Q 172 Q 173 Q 174 Q 171 5.94% 21.63% 10% 15% 20% 25% 30% 35% 40% 45% 50% 1Q 132 Q 133 Q 134 Q 131 Q 142 Q 143 Q 144 Q 141 Q 152 Q 153 Q 154 Q 151 Q 162 Q 163 Q 164 Q 161 Q 172 Q 173 Q 174 Q 17C lassified Loans Criticized Loans Criticized & Classified Loans / Tier-1 + ALLL NPAs / Total Assets High point during the cycle of 3.03% in 1Q12 High point during the cycle of 2.61% in 3Q09 High point during the cycle of 5.53 in 1Q12 High point during the cycle of:C riticized: 105.6% in 1Q10 Classified: 70.5% in 3Q09

Other Services (except Public Administration)1 2% Accommodation and Food Services 12% Retail Trade 10% Construction 9% Manufacturing 9% Health Care and Social Assistance 8% Real Estate Rental and Leasing8 % Wholesale Trade 6% Other (13) 26% C&I & Owner Occupied CRE Loan Portfolio Composition Outstanding Balances as of 12/31/172 9N o industry or CRE concentrations in the loan portfolio Commercial & Industrial: $1.45 billionO wner Occupied CRE: $1.09billionT op 25 Relationships ($): $536 million Top 25 Relationships (% of C&I/OOCRE portfolio): 21%T op 25 Relationships (% of commercial loans): 14% Non Owner Occupied CRE $1.19 billion Construction $282 millionT op 25 Relationships ($): $567 million Top 25 Relationships (% of CRE portfolio): 39% Top 25 Relationships (% of commercial loans): 15% Mixed Use 3% Flex, Warehouse, Self- Storage, General Industrial 10% Office 19% Retail 28% Residential 1-4 18% Residential Multi- Family 14% Special Use & Other 9% CRE Investor & Construction

12/12 12/13 12/14 12/15 12/16 12/17T RBC 14.29% 14.36% 13.83% 13.11% 11.93% 12.08% Tier-1 Capital 13.04% 13.16% 12.79% 12.31% 11.19% 11.36% Excess RBC (above 10%) $140,117 $153,542 $147,186 $146,788 $66,939 $119,940T CE(1) 7.72% 7.69% 9.00% 8.84% 7.55% 7.87% TBV/Share $12.74 $12.89 $15.30 $16.30 $15.80 $17.06 Robust Capital to Grow and to Return to Shareholders $300,000$ 350,000$ 400,000$ 450,000$ 500,000$ 550,000$ 600,000$ 650,000$ 700,0001 2/12 12/13 12/14 12/15 12/16 12/17T otal Risk-Based Capital Well Capitalized RequirementT otal Risk Based Capital (TRBC) 000’s3 0(1) Holding Company ratio. This is a non-GAAP financial measure and should be considered along with results prepared in accordance with GAAP, and not as a substitute for GAAP results. See Appendix 3 for reconciliation to GAAP financial information.

Strong Alignment / Capital Management • Executive management bonuses and equity awards based on bottom-line performance • ROA, ROTCE and EPS growth• Insider ownership1 is over 5% • Board of Directors and Executive Management ownership guidelines in place and followed• In 4Q 2017, WSFS repurchased 51,000 shares of common stock at an average price of $49.76 as part of our 5% buyback program approved by the Board of Directors in 4Q 2015 • 699,194 shares remaining to purchase under the current authorization• $37.3 million in cash remains in the Holding Company as of 12/31/17 • The Board of Directors approved a dividend of $0.09 per share of common stock. This will be paid on 2/22/18 to shareholders of record on 2/8/18 (1) As defined in our most recent proxy statement, as adjusted for unvested stock options approved by shareholders and awarded to the CEO and EVPs in April 2013. 31

UPDATE3 23 2W SFS Nasdaq Bank1 3.9% 5.4% 3 90.6% 58.1% 5 252.2% 134.9% 10 216.2% 87.1% 77th 65% December 29, 2017 December 31, 2017 [Update with top pick 2018 comment] 32

Appendices

Appendix 1 – Management Team 34M ark A. Turner, 54, has served as President and Chief Executive Officer since 2007. He was elected Chairman of the Board of Directors in July 2017.M r. Turner was previously Chief Operating Officer and the Chief Financial Officer for WSFS. Prior to joining WSFS, his experience includes working at CoreStates Bank and Meridian Bancorp.M r. Turner started his career at the international professional services firm of KPMG, LLP.H e received his MBA from the Wharton School of the University of Pennsylvania, his Master’s Degree in Executive Leadership from the University of Nebraska and his Bachelor’s Degree in Accounting and Management from LaSalle University.R odger Levenson, 56, Executive Vice President and Chief Operating Officer since July 2017. Mr. Levenson was previously the Chief Commercial Banking Officer from 2006 to 2015, interim Chief Financial Officer from March 2015 to May 2016 and Chief Corporate Development Officer from May 2016 to July 2017. From 2003 to 2006, Mr. Levenson was Senior Vice President and Manager of the Specialized Banking and Business Banking Divisions of Citizens Bank. Mr. Levenson received his MBA in Finance from Drexel University and his Bachelor’s Degree in Finance from Temple University. Dominic C. Canuso, CFA, 43, joined WSFS in 2016 as Executive Vice President and Chief Financial Officer. From 2006 to 2016, he was Finance Director at Barclays’ US Credit Card Business, most recently serving as Line of Business CFO. Prior to Barclays, he was at Advanta Bank and Arthur Andersen Consulting. Mr. Canuso received his Executive MBA and Bachelor’s Degree from Villanova University. Steve Clark, 60, joined WSFS Bank in 2002 and has served as Executive Vice President and Chief Commercial Banking Officer since May 2016. From 2002 thru 2006, Mr. Clark led and managed the establishment of

the Middle Market lending unit, and in 2007 became Division Manager of the Business Banking and Middle Market Divisions. Prior to 2002, he spent 23 years in various commercial banking positions at PNC Bank and its predecessor companies. Mr. Clark received his MBA in Finance from Widener University and his Bachelor’s Degree in Business Administration (Marketing) from the University of Delaware. Peggy H. Eddens, 62, Executive Vice President, Chief Human Capital Officer since 2007. From 2003 to 2007 she was Senior Vice President for Human Resources and Development for NexTier Bank, Butler PA. Ms. Eddens received a Master of Science Degree in Human Resource Management from La Roche College and her Bachelor’s Degree in Business Administration with minors in Management and Psychology from Robert Morris University. Paul D. Geraghty, 64, Executive Vice President and Chief Wealth Officer since 2011. From 2007 to 2010, he was Chief Executive Officer at Harleysville National Corporation, Harleysville, PA. Mr. Geraghty received his Bachelor’s Degree in Accounting from Villanova University and pursued graduate study in business at Lehigh University.

Appendix 1 – Management Team 35P aul S. Greenplate, 59, Executive Vice President and Chief Risk Officer, joined WSFS in 1999 and prior to his leadership role in the Risk Division, he served as Senior Vice President and Treasurer. As Executive Vice President and Chief Risk Officer, Mr. Greenplate oversees all independent Risk Management functions including, Credit Risk Management, Real Estate Services, Asset Recovery, Enterprise Risk Management, Legal, Internal Audit, Loan Review and Regulatory Compliance. Mr. Greenplate graduated from the University of Delaware with a Bachelor’s Degree in Economics. Thomas W. Kearney, 70, Executive Vice President and Chief Risk Officer emeritus has been with WSFS since 1998. Mr. Kearney holds a Bachelor’s Degree in Business Administration (Finance and Accounting) from Drexel University. He also holds the professional designations of Certified Bank Auditor (CBA) and Certified Financial Services Auditor (CFSA). S. James Mazarakis, 60, Executive Vice President and Chief Technology Officer since 2010. Mr. Mazarakiss erved in a senior leadership role as Chief Information Officer for T. Rowe Price, and Managing Director and Divisional CIO at JP Morgan Investment Asset Management. He received his Master’s Degree in Management of Technology from Polytechnic Institute of New York University. Thomas Stevenson, 64, has served as President of Cash Connect Division since 2003. Mr. Stevenson joined WSFS in 1996 as Executive Vice President and Chief Information Officer. Prior to joining WSFS, Mr. Stevenson was the Manager of Quality Assurance at Electronic Payment Services. Mr. Stevenson attended Wayne State University and the Banking and Financial Services program at the University of Michigan’s Graduate School of Business Administration.P atrick J. Ward, 61, joined WSFS in August 2016 as Executive Vice President, Pennsylvania Market President.

He also serves on the Board of Directors of WSFS Financial Corporation. Mr. Ward has over 32 years of banking industry experience and previously served as Chairman and CEO of Penn Liberty Bank. He was an EVP of Citizens Bank of Pennsylvania from January 2003 until January 2004.P rior thereto, Mr. Ward served as President and CEO of Commonwealth Bancorp, Inc., the holding company for Commonwealth Bank, until its acquisition by Citizens Bank in January 2003. Mr. Ward is a graduate of Carnegie Mellon University with a Bachelor’s Degree in Economics and earned an MBA from the University of Notre Dame. Richard M. Wright, 65, Executive Vice President and Chief Retail Banking Officer since 2006. From 2003 to 2006, Mr. Wright was Executive Vice President, Retail Banking and Marketing for DNB First in Downingtown, PA.M r. Wright received his MBA in Management Decision Systems from the University of Southern California and his Bachelor’s Degree in Marketing and Economics from California State University.

Appendix 2 – Business Model 36

Appendix 3 – Non-GAAP Financial Information Tangible common equity to assets and Tangible common book value per share 373 Months Ended 3 Months Ended 3 Months Ended December 31, 2017 September 30, 2017 December 31, 2016 Total Assets $6,999,540 $6,875,344 $6,765,270 Less: Goodwill and other intangible assets $188,444 $189,116 $191,247 Total Tangible Assets $6,811,096 $6,686,228 $6,574,023 Total Stockholders Equity $724,345 $740,861 $687,336 Less: Goodwill and other intangible assets $188,444 $189,116 $191,247 Total Tangible Common Equity (non-GAAP) $535,901 $551,745 $496,089 Calculation of Tangible Common Book Value Per Share Book Value per Share (GAAP) $23.06 $23.59 $21.90 Tangible Common Book Value Per Share (non-GAAP) $17.06 $17.57 $15.80 Calculation of Tangible Common Equity to AssetsE quity to Asset Ratio (GAAP) 10.35% 10.78% 10.16% Tangible Common Equity to Asset Ratio (non-GAAP) 7.87% 8.25% 7.55%

Appendix 3 – Non-GAAP Financial Information Core: GAAP Reconciliation3 8(1) Net Interest Income plus Core Non-interest Income. (2) Noninterest expense divided by (tax-equivalent) net interest income plus noninterest income . (3) Core noninterest expense divided by (tax-equivalent) net interest income plus core non interest income. (4)N on interest income divided by (tax equivalent) net interest income and non interest income.( 5) Core non interest income divided by (tax equivalent) net interest income and core non interest income

Appendix 3 – Non-GAAP Financial Information Core: GAAP Reconciliation3 9(1) Net Interest Income plus Core Non-interest Income. (2) Noninterest expense divided by (tax-equivalent) net interest income plus noninterest income .( 3) Core noninterest expense divided by (tax-equivalent) net interest income plus core non interest income. (4)N on interest income divided by (tax equivalent) net interest income and non interest income.( 5) Core non interest income divided by (tax equivalent) net interest income and core non interest income 3 Months EndedD ecember 31, 2017 CoreN et Income (non-GAAP) $22,907 Plus:T ax effected amortization of intangible assets $461 Core net tangible income (non-GAAP) $23,368 Net average tangible common equity $563,116 Core return on average tangible common equity ("Core ROTCE") (non-GAAP) 16.46% 3 Months Ended 3 Months Ended 3 Months Ended Fiscal Year Fiscal Year December 31, 2017 September 30, 2017 December 31, 2016 2017 2016 Net Interest Income (GAAP) $57,725 $56,129 $52,954 $221,271 $193,745 Adj: Core Net Interest Income $57,725 $56,129 $52,954 $221,271 $193,745 Noninterest Inc (as reported) $32,435 $32,441 $28,299 $124,644 $105,061 Adj: Securities Gains ($220) ($736) ($479) ($1,984) ($2,369) Core Non-interest Income $32,215 $31,705 $27,820 $122,660 $102,692 Core Net Revenue (1) $89,940 $87,834 $80,774 $343,931 $296,437 Tax equivalized interest (as reported) $748 $793 $721 $2,991 $2,970 Noninterest Expense (GAAP) $68,065 $54,163 $48,949 $226,461 $188,666 Adj:L egal Settlement ($12,000) ($12,000) Adj: Corporate Development ($21) ($153) ($1,526) ($878) ($8,529)A dj: Debt Extinguishment Costs - ($695) - ($695) - Adj: Fraud Loss ($2,844) - - ($2,844) - Adj: Contribution ($1,500) - - ($1,500) - Core Noninterest Expense $51,700 $53,315 $47,423 $208,544 $180,137 Efficiency Ratio (Reported) (2) 74.9% 60.6% 59.7% 64.9% 62.5% Core Efficiency Ratio (3)

57.0% 60.2% 58.2% 60.1% 60.2% Fee Income / Total Revenue (4) 35.7% 36.3% 34.5% 35.7% 34.8%C ore Fee Income / Total Revenue (5) 35.5% 35.8% 34.1% 35.4% 34.3%

Appendix 3 – Non-GAAP Financial Information Core & Sustainable ROA: GAAP Reconciliation 404 Q17 3Q17 2Q17 1Q17 4Q16 3Q16 2Q16 1Q16 4Q15 3Q15 2Q15 1Q15 4Q14 3Q14 2Q14 1Q14 4Q13 3Q13 2Q13 1Q13 4Q12 Reported (GAAP) ROA (0.56) 1.20 1.23 1.12 1.08 0.82 1.23 1.13 1.03 1.14 0.98 1.06 1.07 0.99 1.12 1.52 1.09 1.29 1.00 0.91 0.70 Non-recurring PCI accretion (0.07)L ong-term credit normalization 0.04 0.01 (0.03) (0.02) 0.10 0.14 (0.05) (0.05) 0.00 (0.04) 0.10 (0.07) (0.11) (0.12) (0.13) 0.01 (0.04) (0.03) (0.03) (0.11) 0.08 Securities Gains (0.01) (0.02) (0.03) (0.01) (0.02) (0.04) (0.03) (0.01) (0.02) (0.01) (0.02) (0.03) 0.00 0.00 (0.02) (0.03) (0.04) (0.02) (0.05) (0.10) (0.22) SASCO write up (0.22) Corporate Development expense 0.00 0.01 0.02 0.01 0.06 0.27 0.03 0.02 0.27 0.05 0.05 0.03 0.06 0.15 0.01 0.02 0.03 Debt Extinguishment 0.02 0.03 0.22 FHLB Dividend (0.05) Fraud Loss 0.10 Contribution 0.05 Legal Settlement 0.44T ax Normalization 1.23 0.00 (0.02) (0.06) (0.02) 0.00 (0.04) 0.01 0.00 0.02 0.00 0.04 (0.04) (0.02) (0.01) (0.62) (0.03) Core & Sustainable ROA 1.31 1.22 1.17 1.04 1.20 1.19 1.14 1.10 1.24 1.16 1.11 0.98 0.98 1.00 0.97 0.90 1.04 0.99 0.92 0.70 0.78 FY17 FY16 FY15 FY14 FY13 FY12 Reported (GAAP) ROA 0.74 1.06 1.05 1.17 1.07 0.73N on-recurring PCI accretion (0.02)L ong-term credit normalization (0.00) 0.04 (0.00) (0.09) (0.05) 0.33 Securities Gains (0.02) (0.03) (0.02) (0.01) (0.05) (0.33) SASCO write up (0.06) Corporate Development expense 0.01 0.09 0.10 0.06 0.01 Debt Extinguishment 0.01 0.01 0.06 FHLB Dividend (0.01) BOLI (0.02)F raud Loss 0.03C ontribution 0.02 Legal Settlement 0.13 Tax Normalization 0.27 (0.01) 0.02 (0.18) (0.01) 0.00 Core & Sustainable ROA 1.19 1.15 1.13 0.95 0.91 0.77

For more information please contact: Investor Relations: Dominic Canuso (302) 571-6833 or [email protected] www.wsfsbank.com Corporate Headquarters 500 Delaware Avenue Wilmington, DE 19801 41