December 7, 2007

We welcome you to a new era in banking as WesBanco, Inc. and Oak Hill Financial, Inc. have officially joined forces. While the merger was consummated on November 30, 2007, the transition to WesBanco products and services, WesBanco name and the joint customer use of Oak Hill and WesBanco banking centers is planned to occur in the spring of 2008. So, for now, it is business as usual at Oak Hill until a data conversion in the spring. As the transition from Oak Hill to WesBanco progresses, we will regularly provide you additional information.

As we anticipate the actual merging of our two banking systems, we feel that it is important that you receive a preview of how we do business at WesBanco. At WesBanco, we build relationships with our customers, using our dedicated staff of community minded professionals and our financial strength to serve your personal financial needs and to help you grow your business. Here are some things you can expect from us as we earn your business and trust.

• We work diligently to provide you a banking experience that exceeds your expectations.
• We respect our customers. We greet you, smile and say thank you for your business. We provide our employees the training and tools to efficiently serve your financial needs. We will inform you of changes that will occur in your banking relationship well in advance of any change.
• You will soon have the use of an expanded network of WesBanco Automated Teller Machines (ATMs), and through an agreement with Cleveland-based KeyCorp, you will soon have surcharge-free access to Key’s network of additional ATMs in Michigan, Indiana and Ohio.
• You’ll see many of the same people serving you at your neighborhood banking center and continue to enjoy extended hours of banking service.
• Supporting local business is important to us. We believe our financial strength plus our dedication to service will give business owners confidence as you deal with WesBanco. We will be there to see you through to all of your business and personal goals. We will deliver the resources you need to provide your customers with the service and satisfaction that they deserve.
• We are dedicated to our communities. Our directors, officers and employees will work to provide financial and personal support as we work to meet the needs of your communities.
  

It is a pleasure to welcome you to WesBanco as you welcome us to your communities. Please review the Questions & Answers that appear with this letter. They will provide you an introduction to WesBanco banking. If you find you still have questions, please call us at 1-800-328-3369 or stop by any banking center and meet with us.

Relationships generally begin with an introduction. Let this letter serve as our commitment to serve you with promptness, flexibility and most of all, trust. Please visit our website at www.wesbanco.com for more information.

WesBanco. By all accounts, better.

Oak Hill Branch Locations and Hours

Questions and Answers