Heartland Bank is indeed proud of its past success and achievements, but we are even more excited about the future. As the dramatic consolidation among financial institutions continues, Heartland Bank is clearly emerging as central Ohio's premier community bank. At Heartland we have amassed a talented group of community bankers who believe that quality customer service and personalized attention should be the guiding light. As long as we can keep this light, the future of Heartland Bank will surely be bright. Heartland Bank's business philosophy can best be described by the Bank's Mission and Shared Values statements. Heartland differentiates itself from others and does not seek to emulate larger financial institutions but rather continues to define itself as a customer-oriented small business and retail bank, with strong relationships which are enhanced through well-trained, caring employees with unquestionable integrity who practice sound and innovative banking principles.

Heartland Bank continues to focus on you and your banking needs. In this age of electronics, the Internet and increasingly fast-paced activity, customers find little time to accumulate the necessary information to make business and financial decisions. Heartland Bank works side by side with customers to assist them with their financial decisions. At Heartland you are not just a number. We believe we are the alternative to larger commercial banks whose decision-makers are at some distant location.

Heartland Bank continues to focus on relationship banking and providing products and services to our customers through Life-Style checking, savings account packages and retail loans to individuals. We view customer relationships as a long-term proposition. In addition to assisting the current financial needs of our customers, we expect to be able to assist them with future financial needs. We feel that relationship banking means caring about you, your family and your business, and we want to guide you to greater success. At Heartland superior service and expanded customer relationships are our highest priority.

A recognized professional in commercial small business industry, Heartland Bank continues to expand the services it provides to small business customers through the utilization of technology and personal service. This concept called "Small Business Express" will continue to evolve in the future. Heartland Bank is committed to expanding its presence as a recognized professional in small business banking. Heartland Bank has established a tradition of service to local communities. Heartland attracts customers who share the belief that the Bank is an integral part of community growth and prosperity. Heartland supports worthwhile efforts of community organizations, educational systems and youth activities. Heartland Bank and its employees have built a business on the tradition of service and have grown to be important members of the community... by investing in the hopes and dreams of those communities. We call this the "Heartland Spirit". After all, we're people like you... we're dreamers too.

On behalf of Heartland Bank and its wholly-owned subsidiary, Heartland Investments, I would personally like to invite you to do business with Heartland. Heartland Bank's values remain the same: a strong belief in honest, hard work and personalized customer service. We invite you to visit your local Heartland Bank and experience the difference a community bank can make.