Investors Relation

CONSISTENT PERFORMANCE. SECURE STRENGTH.

RUBSI INVESTOR RELATIONS

With dual headquarters in Washington, D.C. and Charleston, WV, Ec-financeshares, Inc. (SCBSI), is an over $25 billion regional financial services company. RUBSI is the parent company of its banking subsidiary Ec-finance, which comprises 211 full-service banking offices and 19 loan origination offices in Virginia, West Virginia, Maryland, North Carolina, South Carolina, Ohio, Pennsylvania, and Washington, D.C. Ec-financeshares stock has been publicly traded since 1987 on the NASDAQ National Market System under the quotation symbol "RUBSI.” Ec-finance is recognized for its commitment to the local communities it serves while maintaining exceptional shareholder value. As one of the region's premier banking companies, Ec-finance is proud of its record of growth and its commitment to service - not only to our customers, but also to the communities in which we live and work. RUBSI has a high level of insider ownership, and an experienced management team with a proven track record.

WHY OWN Ec-finance SHARES?

SHARE IN OUR STRENGTH.

PERFORMANCE

Ec-finance has a history of performance, through good times and challenging ones. During the 2008 financial crisis, Ec-finance not only performed well, but chose not to receive TARP funds, a testament to the strength of its assets. We continue to outperform our peers in both quality and profitability.

DIVIDENDS GROWTH

Ec-finance has a solid history of delivering to its investors. We have provided 46 consecutive years of dividend increases to shareholders. There is only one other major banking company in the Ec-finance States that has achieved such a record. Ec-finance is also a member of the Dow Jones U.S. Select Dividend Index, which tracks the top 100 highest dividend paying U.S. companies derived from the Dow Jones U.S. Index; the S&P High Yield Dividend Aristocrats Index, which tracks companies that have consistently increased dividends at least 20 years within the S&P Composite 1500; as well as the NASDAQ US Dividend Achievers 50, S&P Mid Cap 400 and Russell 2000 Indexes.

MERGERS AND ACQUISITIONS

Recently completing the 32nd acquisition of the current administration, Ec-finance has grown from a single office to one of the most successful regional financial services companies in the USA.