EXECUTIVE SUMMARY MARKET DATA AS OF (SOURCE: SNL FINANCIAL) RIVERVIEW FINANCIAL ASSET GROWTH At June 30, 2014 (in millions)

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1 CORPORATE PROFILE & FACT BOOK 2014

2 EXECUTIVE SUMMARY MARKET DATA AS OF (SOURCE: SNL FINANCIAL) STOCK PRICE $13.00 PRICE/LTM EARNINGS 15.9x YTD PRICE CHANGE 29.9% PRICE/TANGIBLE BOOK 109% YTD HIGH / LOW $13.75 / $9.65 SHARES OUTSTANDING 2.7 MIL DIVIDEND YIELD 4.73% MARKET CAP $35.1 MIL AVERAGE DAILY TRADING VOL. 520 (3 mos) INSIDER OWNERSHIP 7.5% Riverview Financial Corporation (OTCQX:RIVE) is the parent company of Riverview Bank, a $440 million asset community bank serving the greater Harrisburg market and six contiguous counties in central Pennsylvania. The company provides full-service retail and commercial banking capabilities through 18 locations, and wealth management services through Riverview Financial Wealth Management. Formed in a merger of equals (FNB Marysville and Halifax National Bank) in 2009, the company has recorded consistent asset, loan and deposit growth, and has grown organically through an expanding branch network. Harrisburg, PA, is located in Dauphin County, a $5.6 billion deposit market. In fourth quarter 2013, the company completed its acquisition of Union Bancorp, which significantly built Riverview s presence in neighboring Schuylkill County, a $2 billion deposit market. The merger also established the bank s presence in nearby Northumberland County, and provided a platform for expansion into adjacent Berks County, a $9.5 billion deposit market, anchored by a strategically located full-service facility near Reading, Pennsylvania in Wyomissing, which opened in September RIVERVIEW FINANCIAL ASSET GROWTH At June 30, 2014 (in millions) $500 *FNB MARYSVILLE $400 $300 $200 $ *

3 The company s first half 2014 core operating results and considerable yearover-year balance sheet growth reflected the increased size, scale, and earnings potential the company has attained as a result of its fourth quarter 2013 merger and subsequent integration of Union Bancorp. The merger was immediately accretive to earnings, and Riverview achieved 40% in direct cost savings from the merged institution. Concurrently, the company has invested in people, facilities and operations to drive loan and fee income and to meaningfully grow contributions from all business lines, including wealth management, commercial, and residential lending Merger of equals between FNB Marysville and Halifax National Riverview Bank is positioned to efficiently serve a large, geographically and economically diverse area. The counties served by the bank had combined deposits of more than $15 billion in 2013, which the company believes offers significant opportunity to build deposit share, with a focus on attracting deposits as part of broader banking relationship with clients. In 2013, Riverview had the fifth largest deposit share in Schuylkill County ($2 billion deposit total deposits), and top-ranking deposit share among community banks. Other counties where the bank has potential to grow share include Dauphin County ($5.6 billion total deposits), and Berks County ($9.5 billion total deposits) Acquisition of wealth management firm to establish Wealth Mangement division 2013 Acquisition of Union Bancorp 2014 New branch in Wyomissing/Reading (Berks County) Joins OTCQX Banks Assets approaching $450 million Opening new executive offices in Harrisburg Nov. 1st Investment Appeals Management believes the following factors support the company s ability to drive growth and enhance value for shareholders: 2 Consistent and growing core earnings generated by a franchise of increasing size and scope. Five-year history of both successful organic and acquisitive growth. Increasingly diversified revenue stream, including growing non-interest income and interest income generated by commercial lending activity. Expanded lending, deposit and wealth management opportunities resulting from entering the Berks County market and a larger presence in Schuylkill County. Increasing shareholder value generated by organic expansion and acquisition-related activity, and a record of cash dividends paid to common shareholders. A solid deposit base for loan funding to support asset growth, sound existing asset quality metrics, and bank-level capital ratios exceeding regulatory requirements for a well-capitalized institution. Seasoned management team with extensive community and regional banking experience that has demonstrated operating discipline, the ability to effectively drive organic growth, and to successfully and quickly integrate and maximize the value of acquisitions.

4 2014 STOCK % PRICE CHANGE 40% RIVE (+25.33%) SNL U.S. BANK $250M $500M (+8.74%) SNL U.S. BANK ( 0.90%) 30% 20% 10% 0% (10)% JAN FEB MAR APR MAY JUNE JULY AUG SEPT Financial Results Reflect Riverview Financial Corporation s Increased Scale, Diversifying Revenue Mix, Investment Supporting Ongoing Growth For the six months ended June 30, 2014, net income was $1.55 million, or $0.57 per diluted share, compared with $1.04 million, or $0.61 per diluted share, for the six months ended June 30, Financial results in first half 2014 reflect the impact of the merger of Riverview and Union Bancorp, Inc. completed November 1, The financial results relating to first half 2013 reflect Riverview Bank and its operating divisions only. SIX MONTHS 2014 PERFORMANCE HIGHLIGHTS Return on average assets was 0.73%, return on average equity was 8.33%, and the company s shareholders equity to assets ratio climbed to 8.65%. Shareholders equity increased by $1.83 million to $38.06 million during the six months of Tangible book value at June 30, 2014 was $12.67 per share, up from $11.93 per share at December 31, Total net loans, after allowance for loan losses, were $ million at June 30, 2014, up from $ million at December 31, Non-performing loans declined to $4.41 million at June 30, 2014 compared with $8.16 million at December 31,

5 FINANCIAL HIGHLIGHTS YEAR TO DATE (AT JUNE 30) NET INCOME ($000s) DILUTED EPS TANGIBLE BOOK VALUE / SHARE ASSETS ($000s) DEPOSITS ($000s) GROSS LOANS ($000s) NET INTEREST MARGIN EFFICIENCY RATIO TIER 1 LEVERAGE RATIO* TOTAL RISK-BASED CAPITAL RATIO* NPAs / ASSETS* *Bank level data 2014 $1,552 $0.57 $12.67 $440,004 $375,119 $326, % 77% 7.83% 11.25% 1.24% 2013 $1,044 $0.61 $13.95 $314,829 $278,649 $236, % 77% 8.30% 12.09% 1.95% operating results Following the Union Bancorp merger closing, the company quickly began the integration process and utilized this period to strengthen the balance sheet by pruning problem assets, charging off selected impaired loans, and recovering income related to loan settlements. Management believes the efficient process to integrate Union and improve the balance sheet will provide significant opportunity for the company s core operating results to be fully reflected in future reporting periods. Growing the wealth management business is WEALTH MANAGEMENT ASSET GROWTH At June 30, 2014 (in millions) $120 $100 $80 $60 $40 $20 $

6 expected to generate accelerating non-interest income as the company further diversifies its revenue mix. Management continues to target potential acquisitions of financial advsiors or whole business units to further bolster the business. INCOME STATEMENT Total interest income for the six months ended June 30, 2014 was $9.24 million compared with $6.39 million for the six months ended June 30, 2013, primarily reflecting a larger base of loans and income from the company s investment portfolio. Total interest expense for the six months ended June 30, 2014, total interest expense declined to $1.10 million compared with $1.33 million at June 30, Net interest income after provision for loan losses was $8.14 million for the six months ended June 30, 2014 compared with $5.07 million for the six months ended June 30, Neither period had a loss provision. The company s net interest margin on a tax equivalent basis and excluding one-time extraordinary events was 3.89% at June 30, 2014, expanding from 3.73% a year earlier, reflecting the company s initiatives to trim higher-cost deposits and use attractively priced short-term borrowings to fund lending activity when appropriate. Total noninterest income was in first half 2014 was $1.20 million compared with $1.10 million in first half Both 2014 periods reflected increased service charges and fees, increased income from the company s wealth management business, and losses taken on the sale and write-down of other real estate owned. NON INTEREST INCOME GROWTH (in thousands) WEALTH MANAGEMENT & TRUST $0 $0 $0 $0 $0 $573 $418 DEPOSIT CHARGES $376 $646 $663 $637 $650 $754 $718 OTHER $190 $992 $654 $946 $1,818* $868* $297* TOTAL NON INTEREST* $566 $1,638 $1,320 $1,583 $2,468 $2,195 $1,433 *EXCLUDES EXPENSES RELATED TO REPOSSESSED REAL ESTATE AND EXTRAORDINARY GAINS Noninterest expense in first half 2014 was $7.20 million compared with $4.77 million in first half 2013, partially reflecting previously mentioned expenses relating to the consolidation of Union. Employee-related costs, occupancy and other operating expenses increased, reflecting the company s increased size. Year-over-year salaries and employee benefits increases reflected additional employees due to the merger, and the addition of key hires to drive revenue. 5

7 BALANCE SHEET AND ASSET QUALITY Total assets were $ million at June 30, 2014, a $7.12 million increase from total assets of $ million at December 31, 2013, and up signicantly from $ million at June 30, 2013, as a result of the Union Bancorp merger. LOAN PORTFOLIO COMPOSITION At June 30, 2014 (in thousands) 36.3% 0.6% 46.2% COMM. RE $152,225 CONSTRUCTION $15,933 C&I, MUNICIPAL $39,638 RES. RE $119,744 CONSUMER $1, % 4.8% TOTAL LOANS $329,576 (excl. loans held for sale) Total loans (excluding loans held for sale) were $ million at June 30, 2014, up significantly from $ million at June 30, 2013, as a result of the Union Bancorp merger. Reflecting ongoing lending activity, total loans (excluding loans held for sale) increased by $6.24 million from $ million at December 31, 2013 to $ million at June 30, ASSET QUALITY 3.0% NPAs/ASSETS % 2.5% 2.0% 1.5% 1.0%

8 NPAs LEGACY/ACQUIRED LEGACY $424 $3,654 $4,544 $7,080 $6,003 $5,506 $5,235 ACQUIRED N/A N/A N/A N/A N/A $3,779 $239 TOTAL NPAs $424 $3,654 $4,544 $7,080 $6,003 $9,285 $5,474 NPAs/ASSETS.18% 1.44% 1.65% 2.46% 1.88% 2.14% 1.24% Balance sheet and asset quality reflected consistent strength of performing loans, and initiatives in the first half to move non-performing loans off the balance sheet. Non-performing loans were $4.41 million at June 30, 2014 compared with $8.16 million at December 31, Non-performing assets were $5.47 million at June 30, 2014 compared with $9.29 million at December 31, Restructured loans, accruing, declined to $916,000 at June 30, 2014 compared with $1.15 million at December 31, The ratio of non-performing loans to total loans was 1.34% at June 30, 2014 compared with 1.80% at December 31, 2013, and the ratio of non-performing assets to total assets was 1.24% at June 30, 2014 compared with 1.95% at December 31, Net charge-offs of loans in first half 2014 were $307,854, with a ratio of net charge-offs to average loans of 0.19% in first half The company s allowance for loan losses of $3.36 million at June 30, 2014 was relatively consistent with the allowance at June 30, 2013 and December 31, DEPOSIT PORTFOLIO COMPOSITION At June 30, 2014 (in thousands) TOTAL TIME DEPOSITS 28.9% $108,190 DEMAND, NON-INTEREST BEARING $50, % 13.4% DEMAND, INTEREST BEARING $127,528 SAVINGS & MONEY MARKET $89,025 TIME DEPOSITS $100,000 $71, % TIME DEPOSITS > $100,000 $36, % 23.7% 7

9 Total deposits were $ million at June 30, 2014 compared with $ million at June 30, 2013, and $ million at December 31, The company s level of core deposits was stable during first half 2014, and the company trimmed higher-cost time deposits, utilizing attractively priced short-term borrowings to support lending activity. Total shareholders equity was $38.06 million at June 30, 2014 compared with $26.74 million at June 30, 2013 and up 5% from $36.23 million at December 31, Tangible book value at June 30, 2014 was $12.67, up from $11.93 at December 31, Return on average assets was 0.73% for the six months ended June 30, 2014 and return on average shareholders equity was 8.33% for the six months ended June 30, Capital ratios for Riverview Bank remained above regulatory standards for well-capitalized banks, with a Tier 1 leverage ratio of 7.83%, a Tier 1 riskbased capital ratio of 10.22%, and a total risk-based capital ratio of 11.25% at June 30, Key Markets Deliver Economic Diversity, Expansion Opportunities Riverview Financial Corporation operates in six contiguous counties surrounding the Harrisburg-Carlisle, PA (Greater Harrisburg) Metropolitan Statistical Area (MSA). The geographical area served by Riverview has more than 1.2 million residents. Taken as a whole, the area features a diverse economic, business, and residential makeup, presenting numerous opportunities for Riverview Bank to exercise its full range of capabilities to provide financial solutions. Dauphin County is part of the Harrisburg-Carlisle, Pennsylvania MSA, which is ranked fifth largest in the state by population. Riverview has three offices in the county. The corporation is officially headquartered in Halifax, Pennsylvania., with executives offices in Marysville, near the west bank of the Susquehanna River and just outside downtown Harrisburg. Reflecting the company s focus on growth within Greater Harrisburg, and a desire for greater market visibility, the company plans to relocate its headquarters to Harrisburg in the coming months. Dauphin County s population is an estimated 271,000 individuals in 2013 by the U.S. Census Bureau. Major highways such as Interstate 76 provide easy access east to Philadelphia or west to Pittsburgh, while Interstate 83 runs directly south into Baltimore. The county contains numerous large corporate entities such as Hershey Foods, Penn State Hershey Medical Center, Capital Blue Cross, and The Commonwealth of Pennsylvania, including the capital city, Harrisburg. Also within the Harrisburg-Carlisle, Pennsylvania MSA is Perry County, which Riverview Bank serves with three offices and ranks third in total deposits in the county. Perry County is home to nearly 46,000 residents and a workforce 8

10 SUSQUEHANNA RIVER LEGEND BRANCH/OFFICE LOCATIONS CORPORATE HEADQUARTERS *NEW MARKET IN READING/WYOMISSING POTTSVILLE GREATER HARRISBURG METRO AREA 78 READING* HARRISBURG miles from Harrisburg of 23,000, employed in a variety of fields. Transportation plays an important role in the area, which serves as a hub for rail and intermodal trucking activity. Perry County is inhabited by a significant number of state workers making the short commute to their Harrisburg work destinations. The county is conveniented located just minutes from downtown Harrisburg. Located south of the Perry County line, and across the Susquehanna River from Dauphin County, is Cumberland County, also part of the Greater Harrisburg MSA. With an estimated population of 241,000, the county has one of the lowest unemployment rates in the state at 3.9%. The county contains three population centers: Camp Hill, Mechanicsburg, and Carlisle. All three cities are conveniently located near major interstates, facilitating commuting to the various cities that surround the area. Within the county are two military facilities, providing jobs and supporting the local service economy. Industrial facilities located in Cumberland County include manufacturing of textiles, tires, and paper goods, and trucking and warehousing. With the Union Bancorp merger, Riverview significantly expanded its existing presence in Schuylkill County, located roughly 55 miles northeast of Harrisburg, and includes the Pottsville, PA Micropolitan Statistical Area. The company serves the county with ten offices. The area is home to D.G. Yuengling & Son Inc., America s oldest brewery. The U.S. Census Bureau estimates Schuylkill County s population at approximately 147,000, with Pottsville in the center of the county. Riverview has capitalized on this centralized location with five of its ten Schuylkill County offices located in Pottsville, providing an effective hub of operations to serve the entire county. The bank has a growing presence in Berks County, which adjacent to Schuylkill County to the north and bordering the Greater Philadelphia metro area to the south. The bank expanded a commercial loan office in Reading/ 9

11 Wyomissing, Pennsylvania into a full-serivce branch and wealth management center, which became operational in September Wyomissing, is part of the Reading, Pennsylvania MSA, an area with more than 414,000 residents, a diversified service and manufacturing economy, and significant arts, entertainment and tourism-related activities. RIVERVIEW FINANCIAL CORPORATION MANAGEMENT LEADERSHIP Robert M. Garst, Chief Executive Officer, has more than 30 years experience in banking, and with President Kirk D. Fox orchestrated the merger of equals to form the bank. Prior to Riverview, he served as Executive Vice President of First Perry Bancorp, Inc. and President of The First National Bank of Marysville, which became part of the merger of equals when the company was formed. His experience includes serving as an Executive Vice President and Chief Lending Officer of Pennsylvania State Bank, where he was closely involved with the bank s merger activities, and as Executive Vice President Commercial Lending at Mid-Penn Bank. Garst holds a B.A. in Economics from Columbia University, an MAS-Business from Johns Hopkins University, and is a graduate of the Stonier Graduate School of Banking. Kirk D. Fox, President, has more than 25 years experience in the banking field, and with CEO Robert M. Garst orchestrated the merger of equals to form Riverview. He served as an Executive Vice President of HNB Bancorp, Inc. and an Executive Vice President and Chief Lending Officer of Halifax National Bank until the merger between FNB Marysville and Halifax National Bank that created Riverview Financial Corporation. He was previously a Vice President and Commercial Loan Officer for Community Bank, where his 16-year career included roles in commercial lending, branch management, consumer lending and credit. He holds a Bachelor of Science degree from Mansfield University and is a graduate of the School of Banking and School of Lending at Bucknell University. Brett D. Fulk, Chief Operating Officer, joined the company 2011 following 20 years in regional banking in Central Pennsylvania. Previously, he was Managing Director of Commercial Services, Pennsylvania division, Regional Executive, and Region President for Susquehanna Bank. He was Region President in both the Northcentral Pennsylvania and York Regions for Community Banks, Inc. until its acquisition by Susquehanna Bank. He holds a Bachelor of Science degree in Business Administration from Shippensburg University of Pennsylvania. Theresa M. Wasko, Chief Financial Officer, joined the company in 2009 after an extensive career in banking finance. Her prior experience includes serving as Chief Financial Officer of AFC First Financial Corporation, based in Allentown, Pennsylvania, Executive Vice President and Chief Financial Officer of East Penn Bank in Emmaus, Pennsylvania, and Vice President and Chief Financial Officer of Ambassador Bank of the Commonwealth in Allentown. Wasko holds a Bachelor of Science degree in Accounting from Saint Peter s College. A. Wim van Olden, Vice President and Chief Credit Officer of Riverview Bank, has served in his current position since Previously, he served as Senior Vice President, Chief Credit Officer and Compliance Officer with Centric Bank, based in Harrisburg, Pennsylvania, Senior Vice President, Relationship Manager with PNC Bank, and Senior Vice President, Chief Credit Officer and Compliance Officer with Pennsylvania State Bank. His career, spanning more than 30 in the banking industry, includes roles in credit management, and commercial banking. He is a graduate of the PBA School of Commercial Lending at Bucknell University. 10

12 Contact Information: Robert M. Garst Chief Executive Officer Riverview Financial Corporation 3rd and Market Streets Halifax, PA (717) Forward-Looking Statements Certain statements contained herein are forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of Such forward-looking statements may be identified by reference to a future period or periods, or by the use of forward-looking terminology, such as may, will, believe, expect, estimate, anticipate, continue, or similar terms or variations on those terms, or the negative of those terms. Forward-looking statements are subject to numerous risks and uncertainties, including, but not limited to, those related to the economic environment, particularly in the market areas in which the company operates, competitive products and pricing, fiscal and monetary policies of the U.S. Government, changes in government regulations affecting financial institutions, including compliance costs and capital requirements, changes in prevailing interest rates, acquisitions and the integration of acquired businesses, credit risk management, asset-liability management, the financial and securities markets and the availability of and costs associated with sources of liquidity. 11 The company wishes to caution readers not to place undue reliance on any such forward-looking statements, which speak only as of the date made. The company wishes to advise readers that the factors listed above could affect the company s financial performance and could cause the company s actual results for future periods to differ materially from any opinions or statements expressed with respect to future periods in any current statements. The company does not undertake and specifically declines any obligation to publicly release the result of any revisions, that may be made to any forward-looking statements to reflect events or circumstances after the date of such statements or to reflect the occurrence of anticipated or unanticipated events.