<SUBMISSION>
<ACCESSION-NUMBER>0000950152-07-008432
<TYPE>425
<PUBLIC-DOCUMENT-COUNT>4
<FILING-DATE>20071031
<DATE-OF-FILING-DATE-CHANGE>20071031
<SUBJECT-COMPANY>
<COMPANY-DATA>
<CONFORMED-NAME>WESBANCO INC
<CIK>0000203596
<ASSIGNED-SIC>6021
<IRS-NUMBER>550571723
<STATE-OF-INCORPORATION>WV
<FISCAL-YEAR-END>1231
</COMPANY-DATA>
<FILING-VALUES>
<FORM-TYPE>425
<ACT>34
<FILE-NUMBER>333-107736
<FILM-NUMBER>071203793
</FILING-VALUES>
<BUSINESS-ADDRESS>
<STREET1>1 BANK PLAZA
<CITY>WHEELING
<STATE>WV
<ZIP>26003
<PHONE>3042349000
</BUSINESS-ADDRESS>
<MAIL-ADDRESS>
<STREET1>ONE BANK PLZ
<CITY>WHEELING
<STATE>WV
<ZIP>26003
</MAIL-ADDRESS>
</SUBJECT-COMPANY>
<FILED-BY>
<COMPANY-DATA>
<CONFORMED-NAME>WESBANCO INC
<CIK>0000203596
<ASSIGNED-SIC>6021
<IRS-NUMBER>550571723
<STATE-OF-INCORPORATION>WV
<FISCAL-YEAR-END>1231
</COMPANY-DATA>
<FILING-VALUES>
<FORM-TYPE>425
</FILING-VALUES>
<BUSINESS-ADDRESS>
<STREET1>1 BANK PLAZA
<CITY>WHEELING
<STATE>WV
<ZIP>26003
<PHONE>3042349000
</BUSINESS-ADDRESS>
<MAIL-ADDRESS>
<STREET1>ONE BANK PLZ
<CITY>WHEELING
<STATE>WV
<ZIP>26003
</MAIL-ADDRESS>
</FILED-BY>
<DOCUMENT>
<TYPE>425
<SEQUENCE>1
<FILENAME>l28541de425.htm
<DESCRIPTION>WESBANCO, INC.   425
<TEXT>
<HTML>
<HEAD>
<TITLE>WESBANCO, INC.    425</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
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<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>
<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV align="right" style="font-size: 10pt; margin-top: 12pt">Filed by WesBanco, Inc. Pursuant to Rule&nbsp;425<BR>
under the Securities Act of 1933
</DIV>


<DIV align="right" style="font-size: 10pt; margin-top: 12pt">Subject Company: Oak Hill Financial, Inc.<BR>
(Commission File No.&nbsp;333-146270)
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">This filing contains certain forward-looking statements related to the future performance of Oak
Hill Financial, Inc. These statements, which are subject to numerous risks and uncertainties, are
presented in good faith based on the company&#146;s current condition and management&#146;s understanding,
expectations, and assumptions regarding its future prospects as of the date of this release. Actual
results could differ materially from those projected or implied by the statements contained herein.
The factors that could affect the company&#146;s future results are set forth in the periodic reports
and registration statements filed by the company with the Securities and Exchange Commission.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">The proposed merger between WesBanco, Inc. and Oak Hill Financial, Inc. will be submitted to both
WesBanco&#146;s and Oak Hill&#146;s shareholders for their consideration. Shareholders are urged to read the
definitive joint proxy statement/prospectus regarding the proposed transaction and any other
relevant documents filed with the SEC, as well as any amendments or supplements to those documents,
because they contain important information. Shareholders may obtain a free copy of the joint proxy
statement/prospectus, as well as other filings containing information about WesBanco and Oak Hill,
at the SEC&#146;s Internet site (http://www.sec.gov). These documents are also available, free of
charge, at www.wesbanco.com or www.oakf.com. Copies of the joint proxy statement/prospectus and the
SEC filings incorporated by reference in the joint proxy statement/prospectus can also be obtained,
without charge, by directing a request to the contact information noted below.
</DIV>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="30%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="7%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="61%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="top">Contact:
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">WesBanco, Inc.</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Attn: Larry G. Johnson, Secretary</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">One Bank Plaza</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Wheeling, West Virginia 26003</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">(304)&nbsp;234-9000</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="top">Contact:
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Oak Hill Financial, Inc.</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Attn: Dale B. Shafer, Interim Chief Financial</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Officer, Secretary and Treasurer</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">14621 State Road 93</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Jackson, Ohio 45640</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">(740) 286-3283</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">In connection with WesBanco&#146;s proposed merger with Oak Hill, WesBanco has filed a registration
statement on Form S-4 with the Securities and Exchange Commission containing a joint proxy
statement/prospectus dated October&nbsp;10, 2007, which has been mailed to both WesBanco and Oak Hill
shareholders. Investors are urged to read these materials, and any other documents filed by
WesBanco or Oak Hill with the SEC, because they contain or will contain important information about
WesBanco, Oak Hill and the merger. WesBanco, Oak Hill and their respective executive officers and
directors may be deemed to be participants in the solicitation of proxies from the shareholders of
either WesBanco or Oak Hill in connection with the merger. Information about the directors and
executive officers of WesBanco and Oak Hill and information about any other persons who may be
deemed participants in this transaction is included in the joint proxy statement/prospectus. The
joint proxy statement/prospectus and other relevant materials, and any other documents filed by
WesBanco or Oak Hill with the SEC, may be obtained free of charge at the SEC&#146;s website at
<U>www.sec.gov</U>. Investors may obtain free copies of the documents filed with the SEC by
WesBanco by directing a written request to WesBanco, Inc., One Bank Plaza, Wheeling, West Virginia,
Attn: Larry G. Johnson, Secretary. In addition, investors may obtain free copies of the documents
filed with the SEC by Oak Hill by directing a written request to Oak Hill Financial, Inc., 14621
State Road 93, Jackson, Ohio 45640, Dale B. Shafer, Interim Chief Financial Officer, Secretary and
Treasurer.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">THE FOLLOWING IS A CORRESPONDENCE TO SHAREHOLDERS AND THE ELECTION
FORM AND LETTER OF TRANSMITTAL, IN CONNECTION WITH THE PROPOSED MERGER OF OAK HILL WITH WESBANCO
PURSUANT TO AN AGREEMENT AND PLAN OF MERGER BY AND AMONG WESBANCO, INC., WESBANCO BANK, INC., OAK
HILL FINANCIAL, INC. AND OAK HILL BANKS, DATED AS OF JULY 19, 2007.<BR>
&nbsp;
</DIV>



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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><IMG src="l28541dl2854100.gif" alt="(WESBANCO LOGO)">
</DIV>


<DIV align="right" style="font-size: 10pt; margin-top: 12pt">October&nbsp;31, 2007
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Dear Oak Hill Financial, Inc. Shareholder:
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As you know, WesBanco, Inc. (&#147;WesBanco&#148;) and Oak Hill Financial, Inc. (&#147;Oak Hill&#148;)
have entered into an Agreement and Plan of Merger, dated as of July&nbsp;19, 2007, pursuant to
which Oak Hill would merge with WesBanco.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Completion of the merger is subject to approval of the merger agreement and merger by
the shareholders of Oak Hill, approval of the issuance of WesBanco common stock and
adoption of the merger agreement and approval of the merger by the shareholders of
WesBanco, as well as approval of various state and federal regulatory agencies. Oak Hill
shareholders will vote on the merger at the special meeting of shareholders to be held on
November&nbsp;16, 2007. WesBanco shareholders will vote on the issuance of WesBanco common
stock. By now, you should have received the joint proxy statement/prospectus for the
special meeting which, among other things, describes the terms of the planned merger and
provides information about WesBanco.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Assuming that the merger is approved by Oak Hill&#146;s shareholders and the issuance is
approved by WesBanco&#146;s shareholders, you will have the right to elect to receive shares of
WesBanco common stock or cash, or a combination of both, in exchange for your shares of
Oak Hill. You should be aware that the merger agreement includes allocation provisions in
the event that Oak Hill shareholders elect to receive more WesBanco shares than are
available or more cash than available. Thus, under the allocation provisions, you may be
required to accept WesBanco common stock in connection with the merger, even if you elect
to receive only cash in the merger, or to accept cash, even if you elect to receive only
WesBanco common stock.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The election procedures you must follow to exchange your Oak Hill shares are
explained in detail in the enclosed documents, which include:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">1.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Letter to Shareholders regarding the Election and Exchange of Common Stock of Oak
Hill Financial, Inc.;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">2.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Form of Election and Letter of Transmittal, together with Instructions and
Guidelines for Certification of Taxpayer Identification Number, and;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">3.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Notice of Guaranteed Delivery.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We encourage you to read these documents carefully and make your election with
respect to the consideration to be received in the merger by completing and returning the
Form of Election and Letter of Transmittal before the deadline stated below. Please note
that if you fail to return the election documents on a timely basis, you will receive
whatever form of consideration is available after the electing shareholders have received
their requested form of consideration under the allocation procedures. Neither WesBanco
nor Oak Hill, nor their
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="left" style="font-size: 10pt; margin-top: 6pt">respective Boards of Directors makes any recommendation to any Oak Hill shareholder
as to whether to elect WesBanco shares or cash in exchange for Oak Hill shares.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To assist us with this exchange, we have engaged Computershare Trust Company, N.A.
to serve as exchange agent and Georgeson Inc. to serve as Information Agent.
Representatives from Georgeson Inc. may contact you by phone to make sure you have
received the election materials and to answer any questions you may have. If you need
information or additional forms, please call toll free at
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Please note that the election materials must be received by the exchange agent by
5:00 p.m., E.S.T., on Tuesday, November&nbsp;27, 2007. Again, we encourage you to read
carefully the enclosed materials and consult with your financial advisor.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 50%">Sincerely,

</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 50%">Paul M. Limbert<BR>
President and Executive Chief Executive Officer

</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B>This communication is not a solicitation of a proxy from any shareholder of Oak Hill.
WesBanco has filed with the Securities and Exchange Commission a Registration Statement
on Form S-4, of which the October&nbsp;10, 2007 joint proxy statement/prospectus that was
mailed to Oak Hill shareholders is part. WesBanco and Oak Hill may file other relevant
documents concerning the merger. You should read the joint proxy statement/prospectus,
and any other relevant documents to be filed with the SEC, because they contain or will
contain important information about WesBanco, Oak Hill and the merger. Investors may
obtain the documents free of charge at the SEC&#146;s website, www.sec.gov. Documents filed
with the SEC by WesBanco are available free of charge by contacting WesBanco at (304)
234-9000.</B>
</DIV>



<P align="center" style="font-size: 10pt"><!-- Folio -->- 2 -<!-- /Folio -->
</DIV>



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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>To be effective, this Form of Election and Letter of Transmittal must be
received by the Exchange Agent (identified below) no later than 5:00 p.m., E.S.T.,
on Tuesday, November&nbsp;27, 2007, together with (1)&nbsp;the certificate(s) representing all
common shares of Oak Hill to which this Form of Election and Letter of Transmittal
relates or (2)&nbsp;a properly completed Guarantee of Delivery with respect to the
certificate(s). Delivery of Oak Hill common shares may also be made by book-entry
transfer to the Exchange Agent&#146;s account at the Depository Trust Company (&#147;DTC&#148;).
See General Instruction 15.</B>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>FORM OF ELECTION<BR>
AND<BR>
LETTER OF TRANSMITTAL</B>
</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><B>to accompany certificates representing<BR>
common shares, no par value per share, of</B>

</DIV>

<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><B>OAK HILL FINANCIAL, INC.</B>

</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><I>Please read and follow the accompanying instructions carefully and deliver to:</I>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B>Computershare Trust Company, N.A., the Exchange Agent</B>
</DIV>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="51%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="44%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px"><B><I>by mail:</I></B>
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><B><I>by overnight courier:</I></B></TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Computershare
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Computershare</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Attn: Oak Hill/WesBanco
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Attn: Oak Hill/WesBanco</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">P.O. Box 859208
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">161 Bay State Drive</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Braintree, MA 02185-9208
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Braintree, MA 02184</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B>For further information: </B>call Georgeson Inc, the Information Agent, at 800-561-4184.
</DIV>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="50%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="24%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="24%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left" colspan="5" style="border-bottom: 1px solid #000000"><B>DESCRIPTION OF OAK HILL COMMON SHARES SURRENDERED</B></TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="center"><B>Name(s) of Record Holders</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="center"><B>As Shown on the Certificate(s) and</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>Certificate(s) Being Surrendered</B></TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="center" style="border-bottom: 1px solid #000000"><B>Address(es) of Such Record Holder(s)</B></TD>
    <TD style="border-bottom: 1px solid #000000">&nbsp;</TD>
    <TD nowrap align="center" colspan="3" style="border-bottom: 1px solid #000000"><B>(Attach Additional List if Necessary)</B></TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center"><B>Number of Shares</B></TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center"><B>Represented by</B></TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center"><B>Each Certificate (or</B></TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center"><B>Covered by a</B></TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center"><B>Certificate</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center"><B>Guarantee of</B></TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center"><B>Number</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center"><B>Delivery)</B></TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR style="font-size: 1px">
    <TD colspan="5" valign="top" align="left" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD colspan="5" valign="top" align="left" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD colspan="5" valign="top" align="left" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD colspan="5" valign="top" align="left" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Total Shares
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>

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<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to the Agreement and Plan of Merger, dated as of July&nbsp;19, 2007, by and
between WesBanco, Inc. (&#147;WesBanco&#148;), WesBanco Bank, Inc., Oak Hill Financial, Inc.
(&#147;Oak Hill&#148;) and Oak Hill Banks, and assuming approval of the merger agreement and
merger of Oak Hill with WesBanco at the special meeting of shareholders of Oak Hill
to be held on November&nbsp;16, 2007 and the approval of the issuance of WesBanco common
stock and adoption of the merger agreement and approval of the merger at the special
meeting of shareholders of WesBanco to be held on November&nbsp;16, 2007, the undersigned
hereby surrenders to the Exchange Agent the certificate(s) representing the common
shares, no par value per share, of Oak Hill (the &#147;Oak Hill common shares&#148;) owned of
record by the undersigned as set forth herein, and hereby elects, in the manner
indicated below, to have the Oak Hill common shares evidenced by such certificate(s)
converted into the right to receive for each Oak Hill common share:
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;1.256 shares of WesBanco common stock, par value $2.0833 per share (the
&#147;WesBanco common stock&#148;), plus cash in lieu of fractional shares (the &#147;stock
consideration&#148;), and set forth in the merger agreement (the &#147;stock election&#148;); OR
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) $38.00 in cash (the &#147;cash consideration,&#148; and, together with the stock
consideration, the &#147;merger consideration&#148;); OR
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp;the cash consideration with respect to a portion of the undersigned&#146;s whole
Oak Hill common shares evidenced by those certificate(s) as designated by the
undersigned and the Stock Consideration with respect to the balance of the
undersigned&#146;s whole Oak Hill common shares evidenced by those certificate(s) as
designated by the undersigned (the &#147;mixed election&#148;).
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>If the undersigned does not mark one of the election boxes below, the
undersigned will be deemed to have indicated no preference as to the receipt of cash
consideration or stock consideration (a &#147;non-election&#148;) and will receive merger
consideration based on the results of the allocation procedures set forth in the
merger agreement and described in the joint proxy statement/prospectus.</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The undersigned understands that the election is subject to certain terms,
conditions and limitations set forth in the merger agreement and described in the
joint proxy statement/prospectus dated October&nbsp;10, 2007 (the &#147;joint proxy
statement/prospectus&#148;). A copy of the merger agreement is attached to the joint proxy
statement/prospectus as Annex A. The merger agreement generally provides that, if the
merger is completed, each share of Oak Hill common stock will be converted into the
right to receive, according to each Oak Hill shareholder&#146;s election, $38.00 in cash,
without interest, or 1.256 shares of WesBanco common stock, as you may designate in
this Form of Election and Letter of Transmittal. However, under the merger agreement,
Oak Hill and WesBanco have agreed that, regardless of the elections made by Oak Hill
shareholders, 90% of the outstanding shares of Oak Hill common stock will be
converted into shares of Oak Hill common stock, and the remaining 10% of the shares
will be converted into cash. Therefore, the stock and cash elections that you make
may be subject to allocation to preserve this requirement. As a result, you could
receive cash or shares of WesBanco common stock for greater or
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->- 2 -<!-- /Folio -->
</DIV>

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<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="left" style="font-size: 10pt; margin-top: 6pt">fewer Oak Hill shares than you specify in this Form of Election and Letter of
Transmittal. If you make a non-election or if you fail to make a valid election, you
may receive, in respect of those shares, cash, WesBanco common stock, or a mix of
cash and shares of WesBanco common stock depending on, and after giving effect to,
the number of valid cash elections and stock elections that have been made by other
Oak Hill shareholders using the allocation procedures set forth in the merger
agreement and described in the joint proxy statement/prospectus. A complete
description of the merger and of the election and allocation procedures is included
in the joint proxy statement/prospectus. Please read the joint proxy
statement/prospectus carefully. Holders of Oak Hill common shares are urged to read
the merger agreement and the joint proxy statement/prospectus in their entirety
before completing this Form of Election and Letter of Transmittal.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The undersigned understands that the definitive terms pursuant to which the
merger will be effected in accordance with the merger agreement, including the
amount and form of consideration to be received by holders of Oak Hill common
shares, the effect of this Form of Election and Letter of Transmittal, and certain
conditions to the consummation of the merger, are summarized in the joint proxy
statement/prospectus, and all of those definitive terms and conditions are set
forth in full in the merger agreement. The undersigned also understands that
different tax consequences may be associated with each of the election options, and
the undersigned is aware that those consequences are summarized in general terms in
the joint proxy statement/prospectus section entitled &#147;Material U.S. Federal Income
Tax Consequences&#148;.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The undersigned hereby makes the following election for the undersigned&#146;s Oak
Hill common shares owned of record and surrendered herewith:
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>ELECTION</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Check one of the boxes below:

</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="1%" nowrap align="left"><FONT face="Wingdings">&#111;</FONT></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Stock Election: exchange all shares for stock &#150; 1.256 shares of
WesBanco common stock for each Oak Hill common share, plus cash in lieu of
any fractional shares.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="1%" nowrap align="left"><FONT face="Wingdings">&#111;</FONT></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Cash Election: exchange all shares for cash &#150; $38.00 per share<BR></TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="1%" nowrap align="left"><FONT face="Wingdings">&#111;</FONT></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Mixed Election*</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="1%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u> Shares of Oak Hill common stock converted into a cash payment of $38.00
per Share</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="1%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u> Shares of Oak Hill common stock converted into 1.256 shares of WesBanco
Common stock for each Oak Hill share, plus cash in lieu of any fractional shares</TD>
</TR>

</TABLE>
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->- 3 -<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">
<DIV align="left">
<DIV style="font-size: 3pt; margin-top: 16pt; width: 18%; border-top: 1px solid #000000">&nbsp;</DIV>
</DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">
<TR>
    <TD width="3%"></TD>
    <TD width="1%"></TD>
    <TD width="96"></TD>
</TR>

<TR valign="top">
    <TD nowrap align="left">*</TD>
    <TD>&nbsp;</TD>
    <TD>Please note that the total number of shares specified above should equal the
total number of shares of Oak Hill common stock you own of record.</TD>
</TR>

</TABLE>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">The undersigned may be deemed to have made a non-election if, with respect to any
Oak Hill common shares held thereby:
</DIV>



<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) None of the above elections is made; or
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) More than one of the above elections is made; or
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) The undersigned fails to follow the instructions on this Form of Election
and Letter of Transmittal (including failure to submit share certificate(s),
confirmation of a book-entry transfer of the shares into the Exchange Agent&#146;s
account at DTC or a Guarantee of Delivery) or otherwise fails to properly make an
election; or
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) A completed Form of Election and Letter of Transmittal (including
submission of the holder&#146;s share certificate(s), confirmation of a book-entry
transfer of the shares at DTC or a Guarantee of Delivery) is not received by the
Exchange Agent by 5:00 p.m., E.S.T., on Tuesday, November&nbsp;27, 2007 (the &#147;Election
Deadline&#148;); or
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) The undersigned returns this Form of Election and Letter of Transmittal
with a Guarantee of Delivery, but does not deliver the share certificate(s)
representing the shares for which the election is being made, or such shares are not
the subject of a confirmation of a book-entry transfer of the shares into the
Exchange Agent&#146;s account at DTC, within three NASDAQ Global Select Market trading
days after the Election Deadline.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In order to receive the merger consideration, (i)&nbsp;this Form of Election and
Letter of Transmittal must be completed and signed in the space in the box on page 6
labeled &#147;Shareholder(s) Sign Here&#148;, (ii)&nbsp;the undersigned must complete and sign the
Substitute Form W-9 (or if the undersigned is not a United States person for United
States federal income tax purposes, the applicable Internal Revenue Service (&#147;IRS&#148;)
Form W-8 as discussed under &#147;Important Tax Information&#148;) and (iii)&nbsp;this Form of
Election and Letter of Transmittal along with the Substitute Form W-9 (or if the
undersigned is not a United States person for United States federal income tax
purposes the applicable IRS Form W-8 as discussed under &#147;Important Tax Information&#148;)
must be mailed or delivered with the holder&#146;s share certificate(s), or a Guarantee of
Delivery to the Exchange Agent, to either of the addresses (or the facsimile number
solely with respect to a Guarantee of Delivery) set forth above. Delivery of Oak Hill
common shares may also be made by book-entry transfer of the shares to the Exchange
Agent&#146;s account at DTC. In order to properly make an Election, the Form of Election
and Letter of Transmittal, along with the holder&#146;s share
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->- 4 -<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="left" style="font-size: 10pt; margin-top: 6pt">certificate(s), or a Guarantee of Delivery and other required documents, must be
received by the Exchange Agent prior to the Election Deadline.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each election is subject to the approval and adoption of the merger agreement
and merger by Oak Hill&#146;s shareholders, the terms, conditions and limitations that
have been set forth in the merger agreement, the instructions and terms herein and
the joint proxy statement/prospectus, which was mailed to Oak Hill shareholders on or
about October&nbsp;12, 2007, in connection with the special meetings of Oak Hill and
WesBanco shareholders, both to be held on November&nbsp;16, 2007. By filing this Form of
Election and Letter of Transmittal with the Exchange Agent, you are acknowledging
that you have received the joint proxy statement/prospectus.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The undersigned hereby represents and warrants that the undersigned is, as of
the date hereof, and will be, as of the effective time of the merger, the record
holder of the Oak Hill common shares represented by the share certificate(s)
surrendered herewith, with good title to those Oak Hill common shares and full power
and authority (i)&nbsp;to sell, assign and transfer those Oak Hill common shares free and
clear of all liens, restrictions, charges and encumbrances and not subject to any
adverse claims, and (ii)&nbsp;to make the Election indicated herein. The undersigned
will, upon request, execute any additional documents necessary or desirable to
complete the surrender and exchange of those Oak Hill common shares. The undersigned
hereby irrevocably appoints the Exchange Agent, as agent of the undersigned, to
effect the exchange pursuant to the merger agreement and the instructions hereto.
The undersigned hereby authorizes and instructs the Exchange Agent to deliver the
certificate(s) covered hereby, and to receive on the undersigned&#146;s behalf, in
exchange for the Oak Hill common shares represented by such certificate(s), any
check and/or any share(s) of WesBanco common stock issuable to the undersigned.
Furthermore, the undersigned authorizes the Exchange Agent to follow any election
and to rely upon all representations, certifications and instructions contained in
this Form of Election and Letter of Transmittal. All authority conferred or agreed
to be conferred in this Form of Election and Letter of Transmittal is binding upon
the successors, assigns, heirs, executors, administrators and legal representatives
of the undersigned and is not affected by, and survives, the death or incapacity of
the undersigned.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Record holders of Oak Hill common shares who are nominees must submit a
separate Form of Election and Letter of Transmittal for each beneficial holder for
whom that record holder is a nominee; provided, however, that at the request of
WesBanco, that record holder must certify to the satisfaction of WesBanco that the
record holder holds those shares as nominee for the beneficial owner(s) thereof.
Each beneficial owner for whom a Form of Election and Letter of Transmittal is
submitted will be treated as a separate holder of Oak Hill common shares, subject to
the provisions concerning joint elections.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Completing and returning this Form of Election and Letter of Transmittal does
not have the effect of casting a vote with respect to approval and adoption of the
merger agreement and merger at the annual meeting of shareholders of Oak Hill.</B>
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->- 5 -<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">
<P>
<DIV style="width: 100%; border: 1px solid black; padding: 11px;">



<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>Special Issuance Instructions<BR>
(see Instructions 4 &#038; 6)</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">To be completed only if the check is to be
made payable to, and/or the certificate(s) for
WesBanco common stock is to be issued in
the name of, someone other than the record
holder(s) of the Oak Hill common shares or
the name of the record holder(s) needs to be
corrected or changed.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Issue: &nbsp;&nbsp;&nbsp; <FONT face="Wingdings">&#111;</FONT> Certificate &nbsp;&nbsp;&nbsp;<FONT face="Wingdings">&#111;</FONT> Check to:

</DIV>
<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="15%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="30%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="49%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Name:
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="7" valign="top" align="left" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="7" valign="top" align="center">(Please Print)<BR></TD>
</TR>
<TR valign="bottom">
    <TD colspan="3" valign="top" align="left">Address:</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="7" valign="top" align="left" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD colspan="9" valign="top" align="left" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="7" valign="top" align="center">(Include Zip Code)</TD>
</TR>
<TR valign="bottom">
    <TD colspan="5" valign="top" align="left">(Tax Identification Number</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD colspan="5" valign="top" align="left">or Social Security Number)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="5" align="left" valign="top" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>
</DIV>


<P>
<DIV style="width: 100%; border: 1px solid black; padding: 11px;">



<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>Special Delivery Instructions<BR>
(see Instructions 4 &#038; 6)</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">To be completed only if the check is to be
made payable to, and/or the share(s) of
WesBanco common stock are to be issued in
the name of, the record holder(s) of the Oak
Hill common shares but are to be sent to
another person or to an address other than as
set forth beneath the record holder&#146;s signature
on this Form of Election and Letter of
Transmittal.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Check or share(s) of WesBanco common
stock to be delivered to:*
</DIV>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="15%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="30%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="49%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Name:
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="7" valign="top" align="left" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="7" valign="top" align="center">(Please Print)<BR></TD>
</TR>
<TR valign="bottom">
    <TD colspan="3" valign="top" align="left">Address:</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="5" valign="top" align="left" style="border-top: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD colspan="9" valign="top" align="left" style="border-top: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="7" valign="top" align="center">(Include Zip Code)<BR></TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD colspan="5" valign="top" align="left">*Please attach additional sheets if necessary.</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>

</DIV>


<P>
<DIV style="width: 100%; border: 1px solid black; padding: 11px;">



<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>Shareholder(s) Sign Here<BR>
(also complete Substitute Form&nbsp;W-9 below)</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Please sign exactly as your name(s) appear(s) on
your certificate(s). If this is a joint election, each
person covered by this Form of Election and Letter
of Transmittal must sign personally.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">A check(s) or share(s) of WesBanco common stock
will be issued only in the name of the person(s)
submitting this Form of Election and Letter of
Transmittal and will be mailed to the address set
forth beneath the person&#146;s signature unless the
Special Delivery or Special Issuance Instructions
are completed.
</DIV>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="2%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="47%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="49%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR style="font-size: 1px">
    <TD colspan="5" valign="top" align="left" style="border-top: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD colspan="5" valign="top" align="left" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD colspan="5" valign="top" align="center">(Signature(s) of owner(s)&#151;see Instruction 5)<BR></TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Dated:</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" align="left" valign="top" style="border-top: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD colspan="5" valign="top" align="left" style="border-top: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Social
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Security or other Tax Identification Number</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">If signature is by a person(s) other than the record
holder(s) and in the capacity of trustee, executor,
administrator, guardian, attorney-in-fact, officer of a
corporation or any other persons(s) acting in a
fiduciary or representative capacity, please provide
the following information. See Instruction 5.
</DIV>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="45%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="49%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Name:</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="7" valign="top" align="left" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top" colspan="7">(please print)
</TD>
</TR>
<TR valign="bottom">
    <TD colspan="3" valign="top" align="left">Capacity:</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" align="left" valign="top" style="border-top: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD colspan="3" valign="top" align="left">Address:</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" align="left" valign="top" style="border-top: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD colspan="7" valign="top" align="left" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" colspan="5" valign="top">(include zip code)</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Daytime Telephone Number: ( &nbsp;&nbsp;&nbsp; )

</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>Signature Guarantee<BR>
(if required by Instruction 4 or 6)<BR>
Apply signature guarantee medallion below</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Dated: <U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>, 200<u>&nbsp;&nbsp;&nbsp;</u>

</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Name of eligible institution issuing Guarantee

</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Note: in the event that the check and/or share of
WesBanco common stock is to be issued in exactly
the name of the record holder as inscribed on the
surrendered Oak Hill share certificate(s), the
surrendered certificate(s) need not be endorsed and
no guarantee of the signature on this Form of
Election and Letter of Transmittal is required.
</DIV>

</DIV>



<P align="center" style="font-size: 10pt"><!-- Folio -->- 6 -<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>INSTRUCTIONS</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This Form of Election and Letter of Transmittal is to be completed and submitted
to the Exchange Agent prior to the election deadline by those holders of Oak Hill
common shares desiring to make an election. Holders of Oak Hill common shares who do
not complete and submit this Form of Election and Letter of Transmittal prior to the
election deadline cannot make an election. They will be deemed to have made a
non-election and will receive merger consideration based on the results of the
allocation procedures set forth in the merger agreement and described in the joint
proxy statement/prospectus. Until a record holder&#146;s share certificate(s) or
confirmation of a book entry transfer of the shares into the Exchange Agent&#146;s account
at DTC, is received by the Exchange Agent at either of the addresses (or the
facsimile number solely with respect to a Guarantee of Delivery) set forth on the
front of this Form of Election and Letter of Transmittal, together with any other
documents the Exchange Agent may require, and until the same are processed for
exchange by the Exchange Agent, the holder will not be deemed to have made a valid
election and will be deemed to have made a non-election and will be allocated stock
consideration and/or a check representing the cash consideration or check
representing cash in lieu of fractional shares (if any) in exchange for the holder&#146;s
share <font style="white-space: nowrap">certificate(s)</FONT> depending on the elections made by other Oak Hill shareholders
pursuant to the allocation procedures set forth in the merger agreement and described
in the joint proxy statement/prospectus. No interest will accrue on the cash
consideration or any cash in lieu of fractional shares. Holders of Oak Hill common
shares receiving stock consideration will be entitled to any dividends or other
distributions with respect to WesBanco common stock which have a record date and are
paid after the effective time of the merger.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.&nbsp;<I>Time in Which to Make an Election. </I>For an election to be validly made with
respect to Oak Hill common shares owned by a holder, the Exchange Agent must receive,
at either of the addresses set forth on the front page, prior to the election
deadline, this Form of Election and Letter of Transmittal, properly completed and
executed, and accompanied by the certificates representing such Oak Hill common
shares, confirmation of a book-entry transfer of the Oak Hill common shares at DTC
contained in an &#147;Agent&#146;s Message&#148; or by a Guarantee of Delivery. Any shareholder
whose Form of Election and Letter of Transmittal and certificates (or confirmation of
a book entry transfer of the Oak Hill common shares at the Exchange Agent&#146;s account
at DTC or Guarantee of Delivery) are not so received will be deemed to have made a
non-election. In the event Oak Hill common shares covered by a Guarantee of Delivery
are not received (or are not the subject of a confirmation of a book-entry transfer
of the Oak Hill common shares at the Exchange Agent&#146;s account at DTC contained in an
&#147;Agent&#146;s Message&#148;) within three NASDAQ Global Select Market trading days after the
election deadline, the holder thereof will be deemed to have made a non-election. As
used herein, the term &#147;Agent&#146;s Message&#148; means a message, transmitted by DTC, and
received by, the Exchange Agent and forming a part of a book-entry confirmation,
which states that DTC has received an express acknowledgement from the DTC
participant delivering the Oak Hill common shares, that such participant has received
and agreed to be bound by this Form of Election
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->- 7 -<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="left" style="font-size: 10pt; margin-top: 6pt">and Letter of Transmittal and that WesBanco may enforce such agreement against
the participant.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.&nbsp;<I>Change or Revocation of Election. </I>Any holder of Oak Hill common shares who
has made an election by submitting a Form of Election and Letter of Transmittal to
the Exchange Agent may at any time prior to the election deadline change that
holder&#146;s election by submitting to the Exchange Agent a revised Form of Election and
Letter of Transmittal, properly completed and signed, that is received by the
Exchange Agent prior to the election deadline. Any holder of Oak Hill common shares
may, at any time prior to the election deadline, revoke the election and withdraw the
certificate(s) for the holder&#146;s Oak Hill common shares deposited with the Exchange
Agent by written notice to the Exchange Agent received prior to the election
deadline. After the election deadline, a holder of Oak Hill common shares may not
change the election and may not withdraw his or her certificate(s) unless the merger
agreement is terminated.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.&nbsp;<I>Nominees. </I>Record holders of Oak Hill common shares who are nominees must
submit a separate Form of Election and Letter of Transmittal for each beneficial
owner for whom the record holder is a nominee; provided, however, that at the
request of WesBanco the record holder must certify to WesBanco&#146;s satisfaction that
the record holder holds those Oak Hill common shares as nominee for the beneficial
<font style="white-space: nowrap">owner(s)</FONT> thereof. Each beneficial owner for which a Form of Election and Letter of
Transmittal is submitted will be treated as a separate holder of Oak Hill common
shares.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.&nbsp;<I>Guarantee of Signatures. </I>No signature guarantee is required on this Form of
Election and Letter of Transmittal if this Form of Election and Letter of Transmittal
is signed by the record holder(s) of the Oak Hill common shares tendered herewith,
and the shares(s) of WesBanco common stock and/or the check, if applicable, are to be
issued to that record holder(s) without any correction or change in the name of the
record holder(s). IN ALL OTHER CASES, ALL SIGNATURES ON THIS FORM OF ELECTION AND
LETTER OF TRANSMITTAL MUST BE GUARANTEED. All signatures required to be guaranteed in
accordance with these instructions must be guaranteed by a bank, broker or other
institution that is a member of a Medallion Signature Guaranty Program. Public
notaries cannot execute acceptable guarantees of signatures.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.&nbsp;<I>Signatures on Form of Election and Letter of Transmittal, Stock Powers and
Endorsements.</I>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) If this Form of Election and Letter of Transmittal is signed by the record
holder(s) of the certificate(s) tendered hereby without any alteration, variation,
correction or change in the name of the record holder(s), the signature(s) must
correspond exactly with the name(s) as written on the face of the certificate(s)
without any change whatsoever. In the event the name of the record holder(s) needs
to be corrected or has changed (by marriage or otherwise), see Instruction 6.
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->- 8 -<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) If any Oak Hill common shares tendered hereby are held of record by two or
more joint holders, each of the joint holders must sign this Form of Election and
Letter of Transmittal.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) If this Form of Election and Letter of Transmittal is signed by the
record holder(s) of the share certificate(s) listed and transmitted hereby, no
endorsements of the certificate(s) or separate stock powers are required.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) If any surrendered Oak Hill common shares are registered in different names
on several share certificates, it will be necessary to complete, sign and submit as
many separate Forms of Election and Letters of Transmittal as there are different
registrations of share certificates.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) If this Form of Election and Letter of Transmittal is signed by a
person(s) other than the record holder(s) of the certificate(s) listed, the
certificate(s) must be endorsed or accompanied by appropriate stock powers, in
either case signed exactly as the name of the record holder(s) appears on the
certificate(s). Signatures on the certificate or stock powers must be guaranteed.
See Instruction 4.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f) If this Form of Election and Letter of Transmittal or any share
certificate(s) or stock power(s) is signed by a person(s) other than the record
holder(s) of the share certificate(s) listed and the signer(s) is acting in the
capacity of trustee, executor, administrator, guardian, attorney-in-fact, officer of
a corporation or any other person(s) acting in a fiduciary or representative
capacity, that person(s) must so indicate when signing and must submit proper
evidence satisfactory to the Exchange Agent of authority to so act.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.&nbsp;<I>Special Issuance and Delivery Instructions. </I>Unless instructions to the
contrary are given in the box entitled &#147;Special Issuance Instructions&#148; or the box
entitled &#147;Special Delivery Instructions,&#148; the share(s) of WesBanco common stock
and/or the check to be distributed upon the surrender of Oak Hill common shares
pursuant to this Form of Election and Letter of Transmittal will be issued in the
name and mailed to the address of the record holder(s) set forth in the box entitled
&#147;Description of Oak Hill Common Shares Surrendered.&#148; If the share(s) and/or check are
to be issued in the name of a person(s) other than the record holder(s) or if the
name of the record holder(s) needs to be corrected or changed (by marriage or
otherwise), the box entitled &#147;Special Issuance Instructions&#148; must be completed. If
the share(s) and/or check are to be sent to a person(s) other than the record
holder(s), or to the record holder(s) at an address other than that shown in the box
entitled &#147;Description of Oak Hill Common Shares Surrendered,&#148; then the box entitled
&#147;Special Delivery Instructions&#148; must be completed. If the box entitled &#147;Special
Issuance Instructions&#148; is completed, or the box entitled &#147;Special Delivery
Instructions&#148; is completed other than for the sole purpose of changing the address of
the record holder(s), the signature(s) of the person(s) signing this Form of Election
and Letter of Transmittal must be guaranteed. See Instruction 4.
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->- 9 -<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7.&nbsp;<I>Substitute </I><I>Form W-9</I><I>. </I>Each exchanging Oak Hill shareholder is required to
provide the Exchange Agent with the shareholder&#146;s correct Taxpayer Identification
Number (&#147;TIN&#148;), generally the shareholder&#146;s social security or federal employer
identification number, on the Substitute Form W-9, which is provided under &#147;Important
Tax Information&#148; below, or, alternatively, to establish another basis for exemption
from backup withholding. An exchanging shareholder must cross out item (2)&nbsp;in the
Certification box of the Substitute Form W-9 if such shareholder is subject to backup
withholding. In addition to potential penalties, failure to provide the correct
information on the Substitute Form W-9 may subject the exchanging shareholder to 28%
federal income tax backup withholding on any reportable payments made to such
shareholder. If the exchanging shareholder has not been issued a TIN and has applied
for one or intends to apply for one in the near future, such shareholder should write
&#147;Applied For&#148; in the space provided for the TIN in Part&nbsp;I of the Substitute Form W-9,
and sign and date the Substitute Form W-9 and the Certificate of Awaiting Taxpayer
Identification Number. If &#147;Applied For&#148; is written in Part&nbsp;I and the Exchange Agent
is not provided with a TIN by the time of payment, the Exchange Agent will withhold
28% from any reportable payments made to such shareholder. An exchanging shareholder
that is not a United States person may qualify as an exempt recipient by submitting
to the Exchange Agent a properly completed Form W-8BEN, Form W-8ECI, Form W-8IMY or
W-8EXP, as applicable (which the Exchange Agent will provide upon request) signed
under penalty of perjury, attesting to that shareholder&#146;s exempt status.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8.&nbsp;<I>Inadequate Space. </I>If there is inadequate space to complete any box or to
sign this Form of Election and Letter of Transmittal, the information or signatures
required to be provided must be set forth on additional sheets substantially in the
form of the corresponding portion of this Form of Election and Letter of Transmittal
and attached to this Form of Election and Letter of Transmittal.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9.&nbsp;<I>Indication of Certificate Numbers and Shares. </I>This Form of Election and
Letter of Transmittal should indicate the certificate number(s) of the certificate(s)
representing the Oak Hill common shares covered hereby and the number of shares
represented by each certificate.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10.&nbsp;<I>Method of Delivery. </I><B>The method of delivery of all documents is at the
option and risk of the holder of Oak Hill common shares. If delivery is by mail, the
use of registered mail, with return receipt requested, properly insured, is strongly
recommended. </B>A return envelope is enclosed. It is suggested that this Form of
Election and Letter of Transmittal be mailed to the Exchange Agent as soon as
possible. Delivery of the documents will be deemed effective, and risk of loss and
title with respect thereto will pass, only when materials are actually received by
the Exchange Agent.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11.&nbsp;<I>Payment. </I>Normally, a single check for any cash consideration will be issued
to each holder. Holders participating in a joint election will also receive a single
check for the holders&#146; Oak Hill common shares. The Exchange Agent will deliver any
shares of WesBanco common stock issuable to the undersigned Oak Hill shareholder
registered in certificated form. As a result, if applicable, you will receive a
physical certificate
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->- 10 -<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="left" style="font-size: 10pt; margin-top: 6pt">evidencing shares of WesBanco common stock issued as part of the merger
consideration. Holders of Oak Hill common stock whose shares are held by a broker or
other nominee in &#147;street name&#148; will not receive physical certificates representing
the new shares of WesBanco common stock. Instead, their accounts will be credited
with the new shares in accordance with the procedures used by their broker or
nominee.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12.&nbsp;<I>Lost Certificates. </I>If your certificate(s) representing shares of Oak Hill
common stock have been lost, stolen or destroyed, you should contact Oak Hill
directly at (740)&nbsp;286-3283 for further instructions.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13.&nbsp;<I>Non-Consummation of Merger. </I>Consummation of the merger is subject to the
required approval and adoption of the merger agreement and merger by the shareholders
of Oak Hill and approval of the issuance of WesBanco common stock and adoption of the
merger agreement and approval of the merger by the shareholders of WesBanco, to the
receipt of all required regulatory approvals and to the satisfaction of certain other
conditions. No payments related to any surrender of the certificates) will be made
prior to the consummation of the merger, and no payments will be made to shareholders
if the merger agreement is terminated. If the merger agreement is terminated, all
elections will be void and of no effect and certificates submitted to the Exchange
Agent will be returned as soon as practicable to the persons submitting them.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;14.&nbsp;<I>Voting Rights, Dividends and Dissenters&#146; Rights. </I>Holders of Oak Hill common
shares will continue to have the right to vote and to receive all dividends paid on
all Oak Hill common shares deposited by them with the Exchange Agent until the merger
becomes effective. Any Form of Election and Letter of Transmittal submitted by a
shareholder who exercises dissenter&#146;s rights under Ohio law will be invalid and will
be rejected. If a dissenting shareholder ceases to be a dissenting shareholder but
does not submit a valid Form of Election and Letter of Transmittal prior to the
election deadline, each Oak Hill common share held by that dissenting shareholder
will be treated as a share for which the shareholder has indicated no preference as
to the stock consideration or cash consideration.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15.&nbsp;<I>Guarantee of Delivery. </I>Holders of Oak Hill common shares whose certificates
are not immediately available or who cannot deliver their certificates and all other
required documents to the Exchange Agent or cannot complete the procedure for
delivery of Oak Hill common shares by book-entry transfer into the Exchange Agent&#146;s
account at DTC prior to the election deadline, may deliver their Oak Hill common
shares by properly completing and duly executing a form of Guarantee of Delivery if
(1)&nbsp;the Guarantee of Delivery is made by or through a member of a registered
national securities exchange, a member of the National Association of Securities
Dealers, Inc. or by a commercial bank or trust company in the United States, (2)
prior to the election deadline, the Exchange Agent receives a properly completed and
duly executed Guarantee of Delivery form, as provided herein, together with a
properly completed and duly executed Form of Election and Letter of Transmittal and
any other documents required by the Form of Election and Letter of Transmittal; and
(3)&nbsp;the certificates for all the Oak Hill common shares covered by the Guarantee of
Delivery, in proper form for transfer (or confirmation of a book-entry transfer
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->- 11 -<!-- /Folio -->
</DIV>

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<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="left" style="font-size: 10pt; margin-top: 6pt">of such Oak Hill common shares into the Exchange Agent&#146;s account at DTC), are
received by the Exchange Agent within three NASDAQ Global Select Market trading days
after the election deadline. If the above requirements are not satisfied in a timely
manner, the holder will be deemed to have made a non-election.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;16.&nbsp;<I>Construction. </I>All elections will be considered in accordance with the terms
and conditions of the merger agreement. All questions with respect to the Form of
Election and Letter of Transmittal (including, without limitation, questions
relating to the timeliness, effectiveness or revocation of any election) will be
resolved by WesBanco in its sole discretion and such resolution will be final and
binding. With the consent of WesBanco, the Exchange Agent may (but is not required
to) waive any immaterial defects or variances in the manner in which the Form of
Election and Letter of Transmittal has been completed and submitted so long as the
intent of the holder of Oak Hill common shares submitting the Form of Election and
Letter of Transmittal is reasonably clear. Neither the Exchange Agent nor WesBanco
is under any obligation to provide notification of any defects in the deposit and
surrender of any certificate(s) formerly representing Oak Hill common shares, nor
shall the Exchange Agent or WesBanco be liable for any failure to give any such
notification.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;17.&nbsp;<I>Miscellaneous. </I>No fraction of a share of WesBanco common stock will be
issued upon the surrender for exchange of a certificate(s) for Oak Hill common
shares. In lieu of fractional shares, an amount of cash determined under a formula
set forth in the merger agreement will be paid by check. Completing and returning
this Form of Election and Letter of Transmittal does not have the effect of casting a
vote with respect to approval and adoption of the merger agreement at the annual
meeting of shareholders of Oak Hill. To vote on the merger agreement, please consult
the joint proxy statement/prospectus.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;18.&nbsp;<I>Questions and Requests for Information. </I>Questions and requests for
information or assistance relating to this Form of Election and Letter of
Transmittal should be directed to Georgeson Inc., as Information Agent, at
800-561-4184. Additional copies of the joint proxy statement/prospectus and this
Form of Election and Letter of Transmittal may be obtained by calling Georgeson
Inc., at the number below.
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt">The Exchange Agent is:<BR>
COMPUTERSHARE TRUST COMPANY, N.A.
</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt">The Information Agent is:

</DIV>

<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><IMG src="l28541dl2854101.gif" alt="(GEORGESON LOGO)">

</DIV>

<DIV align="Center" style="font-size: 10pt; margin-top: 6pt">199 Water Street, 26<SUP style="font-size: 85%; vertical-align: text-top">th</SUP> Floor <BR>
New York, NY 10038<BR>
Banks and Brokers Call Collect: 212-440-9800<BR>
All Others Call Toll-Free: 800-561-4184

</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->- 12 -<!-- /Folio -->
</DIV>

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<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>IMPORTANT TAX INFORMATION</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each Oak Hill shareholder is required to provide the Exchange Agent with such
shareholder&#146;s correct TIN on the Substitute Form W-9 below or otherwise establish a
basis for exemption from backup withholding. If such shareholder is an individual,
the TIN is generally such shareholder&#146;s social security number. In addition to
potential penalties, failure to provide the correct information on the Substitute
Form W-9 may subject the exchanging shareholder to 28% federal income tax backup
withholding on any reportable payments made to such shareholder. If the Exchange
Agent is not provided with the correct TIN or an adequate basis for exemption,
reportable payments made to such shareholder may be subject to backup withholding and
the shareholder may be subject to a penalty imposed by the Internal Revenue Service.
Certain shareholders (including, among others, corporations and certain foreign
persons) are not subject to these backup withholding and reporting requirements.
Exempt shareholders should indicate their exempt status on the Substitute Form W-9. A
foreign person may qualify as an exempt recipient by submitting to the Exchange Agent
a properly completed Internal Revenue Service Form&nbsp;W 8-BEN, Form W-8ECI, Form W-8IMY
or W-EXP, as applicable (instead of a Substitute Form W-9), signed under penalties of
perjury, attesting to such shareholder&#146;s status as an exempt foreign person.
Shareholders are urged to consult their own tax advisors to determine whether they
are exempt from these backup withholding and reporting requirements. If backup
withholding applies, the Exchange Agent is required to withhold 28% of any reportable
payments made to the shareholder or other payee. Backup withholding is not an
additional federal income tax. If the required information is furnished to the
Internal Revenue Service in a timely manner, the federal income tax liability of
persons subject to backup withholding may be reduced by the amount of tax withheld.
If withholding results in an overpayment of taxes, a refund may be obtained from the
Internal Revenue Service.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>Purpose of Substitute Form&nbsp;W-9</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To prevent backup withholding on any payments that are made in connection with
the merger to a shareholder that is a United States person, the shareholder is
required to provide the Exchange Agent with (i)&nbsp;the shareholder&#146;s correct TIN by
completing the Substitute Form W-9 below, certifying (x)&nbsp;that the TIN provided on the
Substitute Form W-9 is correct (or that the shareholder is awaiting a TIN), (y)&nbsp;that
(A)&nbsp;the shareholder is exempt from backup withholding, (B)&nbsp;the shareholder has not
been notified by the Internal Revenue Service that the shareholder is subject to
backup withholding as a result of a failure to report all interest or dividends, or
(C)&nbsp;the Internal Revenue Service has notified the shareholder that the shareholder is
no longer subject to backup withholding, and (z)&nbsp;that such shareholder is a U.S.
person (including a U.S. resident alien), or (ii)&nbsp;if applicable, an adequate basis
for exemption. As indicated above, a shareholder that is a foreign person may qualify
as an exempt recipient by submitting to the Exchange Agent a properly completed Form
W-8BEN, Form W-8ECI, Form W-8IMY or W-EXP, as applicable (instead of a Substitute
W-9), signed under penalties of perjury, attesting to such shareholder&#146;s status as an
exempt foreign person.
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->- 13 -<!-- /Folio -->
</DIV>

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<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>What Number to Give the Exchange Agent</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">The shareholder is required to give the Exchange Agent the TIN (e.g., social
security number or employer identification number) of the record holder of the Oak
Hill common stock tendered by this Letter of Transmittal. If the shares of Oak Hill
common stock are in more than one name or are not in the name of the actual owner,
consult the enclosed Guidelines for Certification of Taxpayer Identification Number
on Substitute Form W-9 for additional guidance on which number to report.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B>The Substitute Form W-9 BELOW must be completed and signed by each Oak Hill
shareholder that is a United States person for United States federal income tax
purposes. PLEASE PROVIDE YOUR SOCIAL SECURITY NUMBER OR OTHER TAXPAYER
IDENTIFICATION NUMBER (&#147;TIN&#148;) AND CERTIFY THAT YOU ARE NOT SUBJECT TO BACKUP
WITHHOLDING.</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><IMG src="l28541dl2854102.gif" alt="(FORM)">

</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->- 14 -<!-- /Folio -->
</DIV>

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<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">NOTE: FAILURE TO COMPLETE AND RETURN THE SUBSTITUTE FORM W-9 MAY RESULT IN BACKUP
WITHHOLDING OF 28% OF ANY REPORTABLE PAYMENTS MADE TO YOU. PLEASE REVIEW THE
ENCLOSED GUIDELINES FOR CERTIFICATION OF TAXPAYER IDENTIFICATION NUMBER ON
SUBSTITUTE FORM W-9 FOR ADDITIONAL DETAILS, AND PLEASE SEE &#147;IMPORTANT TAX
INFORMATION&#148;.
</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><u>COMPLETE THE FOLLOWING CERTIFICATION IF YOU WROTE</u><BR>
<u>&#147;APPLIED FOR&#148;</u><BR>
<u>INSTEAD OF A TIN ON THE SUBSTITUTE FORM W-9.</u>

</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->- 15 -<!-- /Folio -->
</DIV>

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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>CERTIFICATE OF AWAITING TAXPAYER IDENTIFICATION NUMBER</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">I certify under penalties of perjury that a taxpayer identification number has not been issued to me, and
either (a)&nbsp;I have mailed or delivered an application to receive a TIN to the appropriate Internal Revenue
Service Center or Social Security Administration Office or (b)&nbsp;I intend to mail or deliver an application in
the near future. I understand that if I do not provide a TIN by the time of payment, 28% of all reportable
payments made to me will be withheld.
</DIV>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="40%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="29%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="29%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom" style="font-size:8pt">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Sign Here
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Signature of</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom" style="font-size:8pt">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">U.S. person
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Date</TD>
</TR>
<TR style="font-size: 1px">
    <TD colspan="5" valign="top" align="left" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD colspan="5" valign="top" align="left" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD colspan="5" valign="top" align="left" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD colspan="5" valign="top" align="left" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD colspan="5" valign="top" align="left" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD colspan="5" valign="top" align="left" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD colspan="5" valign="top" align="left" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD colspan="5" valign="top" align="left" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD colspan="5" valign="top" align="left" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>GUIDELINES FOR CERTIFICATION OF<BR>
TAXPAYER IDENTIFICATION NUMBER ON SUBSTITUTE FORM W-9</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Guidelines for Determining the Proper Identification Number for the Payee (You)
to Give the Payer</B>&#151;Social Security numbers have nine digits separated by two hyphens:
i.e., 000-00-0000. Employer identification numbers have nine digits separated by only
one hyphen: i.e., 00-00-0000. The table below will help determine the number to give
the payer. All &#147;Section&#148; references are to the Internal Revenue Code of 1986, as
amended. &#147;IRS&#148; is the Internal Revenue Service.
</DIV>
<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="15%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="24%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="19%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="15%">&nbsp;</TD>
    <TD width="9%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center"><B>Give the name</B></TD>
    <TD>&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left"><B>For this type</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left"><B>Give the name and social</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left"><B>For this type of account:</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center"><B>employer identification</B></TD>
    <TD>&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left"><B>of account:</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left"><B>security number of &#151;</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center"><B>number of &#151;</B></TD>
    <TD>&nbsp;</TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">1. &nbsp;Individual
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">The individual
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">6. Sole proprietorship
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">The owner (3)</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="margin-left:0px; text-indent:10px">&nbsp;or single-member LLC</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">2. Two or more
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">The actual owner of the
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">7. A valid trust, estate, or
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">The legal entity (4)</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:10px">&nbsp;&nbsp;Individuals
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">account or, if combined
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="margin-left:0px; text-indent:10px">&nbsp;pension trust</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:10px">&nbsp;&nbsp;(joint account)
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">funds, the first individual</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">on the account (1)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">3. Custodian
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">The minor (2)
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">8. Corporate or LLC
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">The corporation</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:10px">&nbsp;Account of
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="margin-left:0px; text-indent:10px">&nbsp;electing corporate</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:10px">&nbsp;A minor
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="margin-left:0px; text-indent:10px">&nbsp;status on Form&nbsp;8832</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:10px">&nbsp;(Uniform</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:10px">&nbsp;Gift to</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:10px">&nbsp;Minors Act)</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<P align="center" style="font-size: 10pt"><!-- Folio -->- 16 -<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">
<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="15%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="24%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="19%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="15%">&nbsp;</TD>
    <TD width="9%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center"><B>Give the name</B></TD>
    <TD>&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left"><B>For this type</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left"><B>Give the name and social</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left"><B>For this type of account:</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center"><B>employer identification</B></TD>
    <TD>&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left"><B>of account:</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left"><B>security number of &#151;</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center"><B>number of &#151;</B></TD>
    <TD>&nbsp;</TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">4. a. The usual
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">The grantor-trustee(1)
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;&nbsp;9. Association, club,
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">The organization</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:10px">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Revocable
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="margin-left:0px; text-indent:10px">&nbsp;&nbsp;&nbsp;religious, charitable,</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:10px">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Savings trust
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="margin-left:0px; text-indent:10px">&nbsp;&nbsp;&nbsp;education, or other</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:10px">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(grantor is
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="margin-left:0px; text-indent:10px">&nbsp;&nbsp;&nbsp;tax-exempt organization</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:10px">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Also trustee)</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;&nbsp;&nbsp;&nbsp;b. So-called
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">The actual owner(1)
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">10. Partnership or multi-
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">The partnership</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:10px">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;trust account
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="margin-left:0px; text-indent:15px">&nbsp;&nbsp;member LLC</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:10px">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;that is not a</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:10px">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;legal or valid</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:10px">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;trust under</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:10px">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;state law</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">5. Sole
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">The owner(3)
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">11. A broker or registered
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">The broker or</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:10px">&nbsp;Proprietorship
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="margin-left:0px; text-indent:15px">&nbsp;&nbsp;nominee</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">nominee&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:10px">&nbsp;or single-owner</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:10px">&nbsp;LLC</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">12. Account with the
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">The public entity</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="margin-left:0px; text-indent:15px">&nbsp;Department of Agriculture</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="margin-left:0px; text-indent:15px">&nbsp;In the name of a public</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="margin-left:0px; text-indent:15px">&nbsp;Entity (such as a state or</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="margin-left:0px; text-indent:15px">&nbsp;Local government, school</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="margin-left:0px; text-indent:15px">&nbsp;District, or prison) that</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="margin-left:0px; text-indent:15px" nowrap>&nbsp;Receives agricultural program</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="margin-left:0px; text-indent:15px">&nbsp;Payments</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>



<DIV align="left">
<DIV style="font-size: 3pt; margin-top: 16pt; width: 18%; border-top: 1px solid #000000">&nbsp;</DIV>
</DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">
<TR>
    <TD width="3%"></TD>
    <TD width="1%"></TD>
    <TD width="96"></TD>
</TR>

<TR valign="top">
    <TD nowrap align="left">(1)</TD>
    <TD>&nbsp;</TD>
    <TD>List first and circle the name of the person whose number you furnish. If
only one person on a joint account has a social security number, that person&#146;s
number must be furnished.</TD>
</TR>

<TR style="font-size: 3pt"><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD nowrap align="left">(2)</TD>
    <TD>&nbsp;</TD>
    <TD>Circle the minor&#146;s name and furnish the minor&#146;s social security number.</TD>
</TR>

<TR style="font-size: 3pt"><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD nowrap align="left">(3)</TD>
    <TD>&nbsp;</TD>
    <TD>You must show your individual name, but you may also enter your business or
&#147;doing business as&#148; name. You may use either your social security number or your
employer identification number (if you have one).</TD>
</TR>

<TR style="font-size: 3pt"><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD nowrap align="left">(4)</TD>
    <TD>&nbsp;</TD>
    <TD>List first and circle the name of the legal trust, estate, or pension trust. (Do
not furnish the taxpayer identification number of the personal representative or
trustee unless the legal entity itself is not designated in the account title.)</TD>
</TR>

<TR style="font-size: 3pt"><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD nowrap align="left" colspan="3">NOTE: <I>If no name is circled when there is more than one name listed, the number will be
considered to be that of the first name listed</I></TD>
</TR>

</TABLE>



<P align="center" style="font-size: 10pt"><!-- Folio -->- 17 -<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>GUIDELINES FOR CERTIFICATION OF TAXPAYER IDENTIFICATION<BR>
NUMBER ON SUBSTITUTE FORM W-9</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B>Page 2<BR>
Obtaining a Number</B>

</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">If you do not have a taxpayer
identification number, apply for one
immediately. To apply for a SSN, get
Form SS-5, Application for a Social
Security Card, from your local Social
Security Administration office. Get
Form W-7, Application for IRS
Individual Taxpayer Identification
Number, to apply for a TIN, or Form
SS-4, Application for Employer
Identification Number, to apply for an
EIN. You can get Forms W-7 and SS-4
from the IRS by calling 1 (800)
TAX-FORM, or from the IRS Web Site at
www.irs.gov.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B>Payees Exempt From Backup Withholding</B>

</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><I>Payees specifically exempted from
backup withholding include:</I>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">1. An organization exempt from tax
under Section&nbsp;501(a), an individual
retirement account (IRA), or a
custodial account under Section
403(b)(7) if the account satisfies
the requirements of Section
401(f)(2).
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">2. The United States or any of its
agencies or instrumentalities.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">3. A state, the District of Columbia,
a possession of the United States, or
any of their political subdivisions or
instrumentalities.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">4. A foreign government or any of
its political subdivisions, agencies
or instrumentalities.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">5. An international organization
or any of its agencies or
instrumentalities.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><I>Payees that may be exempt from
backup withholding include:</I>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">6. A corporation.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">7. A foreign central bank of issue.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">8. A dealer in securities or
commodities required to register in
the United States, the District of
Columbia, or a possession of the
United States.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">9. A futures commission merchant
registered with the Commodity
Futures Trading Commission.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">10. A real estate investment trust.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">11. An entity registered at all
times during the tax year under the
Investment Company Act of 1940.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">12. A common trust fund operated by
a bank under Section&nbsp;584(a).
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">13. A financial institution.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">14. A middleman known in the
investment community as a nominee
or custodian.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">15. A trust exempt from tax under
Section&nbsp;664 or described in Section
4947.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">The chart below shows types of
payments that may be exempt from
backup withholding. The chart
applies to the exempt recipients
listed above, 1 through 15.
</DIV>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="50%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="45%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left"><B>If the payment is for</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left"><B>THEN the payment is</B></TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left"><B>exempt for</B><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">

<TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Interest and dividend payments
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">All exempt recipients except for 9</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Broker transactions
</DIV></TD>
       <TD>&nbsp;</TD>
    <TD align="left" valign="top">Exempt recipients 1
through 13. Also, a
person registered
under the Investment
Advisers Act of 1940
who regularly acts as
broker</TD>

</TR>
<!-- End Table Body -->
</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><I>Exempt payees should complete a
substitute Form W-9 to avoid possible
erroneous backup withholding. Furnish
your taxpayer identification number,
check the appropriate box for your
status, check the &#147;Exempt from backup
withholding&#148; bar, sign and date the
form and return it to the payer
Foreign payees who are not subject to
backup (withholding should complete an
appropriate Form W-8 (in lieu of the
Substitute Form W-9) and return it to
the payer</I>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B>Privacy Act Notice. </B>Section&nbsp;6109
requires you to provide your correct
taxpayer identification number to
payers who must file information
returns with the IRS to report
interest, dividends, and certain other
income paid to you to the IRS.
</DIV>





<P align="center" style="font-size: 10pt"><!-- Folio -->- 18 -<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="left" style="font-size: 10pt; margin-top: 6pt">The IRS uses the numbers for
identification purposes and to help
verify the accuracy of your return and
may also provide this information to
various government agencies for tax
enforcement or litigation purposes and
to cities, states, and the District of
Columbia to carry out their tax laws,
and may also disclose this information
to other countries under a tax treaty,
or to Federal and state agencies to
enforce Federal nontax criminal laws
and to combat terrorism. Payers must
be given the numbers whether or not
recipients are required to file tax
returns. Payers must generally
withhold 28% of taxable interest,
dividend, and certain other payments
to a payee who does not furnish a
taxpayer identification number to a
payer. Certain penalties may also
apply.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B>Penalties</B>

</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B>(1)&nbsp;Failure to Furnish Taxpayer
Identification Number. </B>If you fail to
furnish your correct taxpayer
identification number to a payer, you
are subject to a penalty of $50 for
each such failure unless your failure
is due to reasonable cause and not to
willful neglect.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B>(2)&nbsp;Civil Penalty for False
Information with Respect to
Withholding. </B>If you make a false
statement with no reasonable basis
that results in no backup withholding,
you are subject to a $500 penalty.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B>(3)&nbsp;Criminal Penalty for Falsifying
Information. </B>Willfully falsifying
certifications or affirmations may
subject you to criminal penalties
including fines and/or imprisonment.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B>(4)&nbsp;Misuse of Taxpayer Identification
Number. </B>If you disclose or use a
taxpayer identification number in
violation of federal law, you may be
subject to civil and criminal
penalties.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B>FOR ADDITIONAL INFORMATION CONTACT
YOUR TAX CONSULTANT OR THE INTERNAL
REVENUE SERVICE.</B>
</DIV>



<P align="center" style="font-size: 10pt"><!-- Folio -->- 19 -<!-- /Folio -->
</DIV>



<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>
<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>OAK HILL FINANCIAL, INC.</B>
</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><B>NOTICE OF GUARANTEED DELIVERY</B>

</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This Notice of Guaranteed Delivery or one substantially similar hereto must be
used to make a valid election with respect to your shares of common stock of Oak Hill
Financial, Inc. (&#147;Oak Hill&#148;), as set forth in the joint proxy statement/prospectus
dated October&nbsp;10, 2007 (the &#147;joint proxy statement/prospectus&#148;), and the accompanying
Form of Election and Letter of Transmittal and the instructions thereto (collectively,
the &#147;Form of Election and Letter of Transmittal&#148;), if (1)&nbsp;your stock certificate(s)
representing shares of Oak Hill common stock are not immediately available, (2)&nbsp;you
cannot complete the procedure for book-entry transfer on a timely basis or (3)&nbsp;you
cannot deliver the certificate(s) and all other required documents to Computershare
(the &#147;Exchange Agent&#148;) prior to 5:00 p.m., E.S.T., on Tuesday, November&nbsp;27, 2007, the
election deadline. You may deliver this Notice of Guaranteed Delivery by overnight
courier or mail to the Exchange Agent as set forth below and it must be received by the
Exchange Agent on or before the election deadline. See &#147;Mailing Instructions&#148; in the
Form of Election and Letter of Transmittal for further information.
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>TO: COMPUTERSHARE, Exchange Agent</B>
</DIV>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="27%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="36%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="31%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">If delivered by Mail, to:
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">If delivered by Overnight Delivery:
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">For Eligible Institutions only:</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Computershare
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Computershare
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">By Fax: (781)&nbsp;930-4942</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Attn.: Oak Hill/WesBanco
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Attn: Oak Hill/Wesbanco
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Confirmation of fax:</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">P.O. Box 859208
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">161 Bay State Drive
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">(781) 930-4900</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Braintree, MA 02185-9208
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Braintree, MA 02184</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;DELIVERY OF THIS INSTRUMENT TO AN ADDRESS OTHER THAN AS SET FORTH ABOVE WILL NOT
CONSTITUTE A VALID DELIVERY.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This Notice of Guaranteed Delivery is not to be used to guarantee signatures, if
a signature on a Form of Election and Letter of Transmittal is required to be
guaranteed by an &#147;Eligible Institution&#148; under the instructions thereto.
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Ladies and Gentlemen:

</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;I hereby acknowledge that if the shares of Oak Hill common stock listed below are
not delivered to the Exchange Agent by 5:00 p.m. E.S.T. on Tuesday, November&nbsp;27, 2007
(as set forth in the Form of Election and Letter of Transmittal), the Exchange Agent
may deem that I have not made an election with respect to such shares.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;I hereby tender to the Exchange Agent the shares of Oak Hill common stock listed
below, upon the terms of and subject to the conditions set forth in the joint proxy
statement/prospectus and the related Form of Election and Letter of Transmittal, including
the instructions thereto, receipt of which I hereby acknowledge, pursuant to the
guaranteed delivery procedures set forth in the proxy statement/prospectus, as follows:
</DIV>
<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="48%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="48%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Certificate No.
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Number of Shares</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top" style="border-top: 1px solid #000000"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top" style="border-top: 1px solid #000000"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top" style="border-top: 1px solid #000000"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">The Book-Entry Transfer Facility Account Number</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">(if the shares of Oak Hill common stock will
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Sign Here</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">be delivered by book-entry transfer)</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top" style="border-top: 1px solid #000000"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Account Number at Book-Entry Transfer
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Signature(s)</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Facility</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top" style="border-top: 1px solid #000000"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top" style="border-top: 1px solid #000000"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Number of Shares
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Number and Street or P.O. Box</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Dated: <U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2007</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">City, State, Zip Code</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>GUARANTEE</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The undersigned, a participant in the Security Transfer Agents Medallion Program,
the Stock Exchange Medallion Program or the New York Stock Exchange, Inc. Medallion
Signature Program guarantees delivery to the Exchange Agent of certificates representing
the shares of Oak Hill common stock listed above, in proper form for transfer or delivery
of such shares of Oak Hill common stock pursuant to procedures for book-entry transfer,
in either case with delivery of a properly completed and duly executed Form of Election
and Letter of Transmittal (or manually signed facsimile thereof) and any other required
documents, <B>no later than 5:00 p.m. E.S.T. on Tuesday, November&nbsp;27, 2007.</B>
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->- 2 -<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">
<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="48%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="50%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Firm Name (Print)</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Authorized Signature</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Address</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">City, State, Zip Code</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Area Code and Telephone Number</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Date <U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U> , 2007

</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">DO NOT SEND CERTIFICATE(S) OR ANY OTHER REQUIRED DOCUMENTS WITH THIS FORM. THEY SHOULD BE
SENT WITH THE FORM OF ELECTION AND LETTER OF TRANSMITTAL TO THE EXCHANGE AGENT (UNLESS A
BOOK-ENTRY TRANSFER FACILITY IS USED).
</DIV>



<P align="center" style="font-size: 10pt"><!-- Folio -->- 3 -<!-- /Folio -->
</DIV>




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end
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</SUBMISSION>
