ABOUT ESB FINANCIAL

OUR CORPORATE VALUES AND BELIEFS

These values are core to our relationships that we build with each stakeholder (our clients, our employees, our community, our vendors and our stockholders):

• Integrity: Integrity is the cornerstone of ESB Financial — treating everyone honestly and fairly.
• Excellence: Consistent and reliable delivery of financial services that exceed stakeholder expectations.
• Success: ESB Financial's success depends on our genuine interest in helping our customers achieve their goals.
• Community: Commitment to the well-being and quality of life in the areas we serve.

OUR VISION

We help every client achieve their dreams.

OUR HISTORY

The Wayman family has been serving the banking needs of Kansans since 1887. We are proud to be a family-owned bank that has a tradition of helping our family, friends and neighbors through four generations.

ESB's business philosophy is summarized by James C. Wayman, great-grandson of the bank's founder and current President/CEO: "Throughout the years, we have maintained the belief expressed by my great-grandfather, Will Wayman, in the individuality and the personal spirit expressed in a locally-owned institution. Our officers and employees are active in Chamber of Commerce and City of Emporia and Manhattan projects, as well as many other organizations. This keeps us in touch with local needs and carries out our 'home-owned' philosophy."

CRAIG BLACK, VP

Mortgage Lender - Emporia

Emporia, NMLS #465122

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craigb@esbtrust.com

620.340.9906

LARIE SCHOAP, VP

Mortgage Lender - Manhattan

NMLS #465123

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laries@esbtrust.com

785.539.9909