James E. Kirkpatrick

VIST Financial Corp. operates as a bank holding company for VIST Bank, VIST Insurance, LLC and VIST Capital Management LLC. The company operates through four reportable segments: Banking and Financial Services (the Bank), Insurance Services, Mortgage Banking, and Wealth Management Services. The Bank segment engages in full service commercial and consumer banking business, including such services as accepting deposits in the form of time, demand and savings accounts. Such time deposits include certificates of deposit, individual retirement accounts and Roth IRAs. The Mortgage Banking segment offers residential lending products and generates revenue primarily through gains recognized on loan sales. The Insurance Services segment offers a full line of personal and commercial property and casualty insurance as well as group insurance for businesses, employee and group benefit plans, and life insurance. The Wealth Management Services segment offers a full line of products and services for individual financial planning, retirement and estate planning, investments, corporate and small business pension and retirement planning. VIST Financial was founded on January 1, 1986 and is headquartered in Wyomissing, PA.

Royal Bancshares of Pennsylvania, Inc. operates as the bank holding company of Royal Bank America, which engages in general banking business. It operates through Community Banking, and Tax Liens segments. The Community Banking segment is consist of commercial and retail banking, and equipment leasing. The Tax Liens segment is comprised of purchasing delinquent tax certificates from local municipalities at auction. The company was founded on June 3, 1994 and is headquartered in Bala Cynwyd, PA.

Royal Bank America operates as a state chartered commercial bank. The company was founded in 1963 and is headquartered in Narberth, PA.

Roma Financial Corp. is the holding company of Roma Bank & RomAsia Bank. The Roma Bank is a federally-chartered stock savings bank. It offer traditional retail banking services, one-to four-family residential mortgage loans, multi-family and commercial mortgage loans, construction loans, commercial business loans and consumer loans, including home equity loans and lines of credit. The bank also provides electronic, merchant & other services. The company was founded in January 2005 and is headquartered in Robbinsville, NJ.