President's Letter

Dear Customers:
It's a new year and one of excitement at Harleysville National Bank!

In the spring, we will have three new branches to add to our already extensive list of locations. Construction continues on our Warminster site (190 Veteran's Way, right on Street Road). Rapid progress is being made on our new East Norriton (450 East Germantown Pike) location and plans are underway for our Blue Bell (Butler and Skippack Pikes) location. The new offices will offer retail and business banking services as well as investment and wealth management solutions. Stay tuned for updates!

The start of the year offers us a fresh opportunity to review our financial goals. If one of your resolutions is to ensure you are saving enough for retirement, we can help you keep it! Whether you're just starting to build your retirement fund or are nearing your retirement, our tips on this page will help keep your nest egg in check. Of course, if you want to discuss your options with a professional, an Investment Adviser is as close as your nearest HNB office!

The new year also means two typically dreaded little words: tax time. Once again, HNB is here to help! This article offers some guidance for filing electronically, and we offer the convenience of preparing your taxes with TurboTax^® Online.^SM If you're trying to decide what to do with money from your return, don't forget that you have until April 17 to make your 2006 IRA contribution and possibly reap the tax benefits. In addition, we have a variety of savings and tax-deferred plans, including our newest offering, Health Savings Accounts. If the possibilities seem daunting, give us a call. Our financial professionals have the experience to help you sort through all your options.

As always, thank you for your business and help in making our progress possible. We look forward to serving you today and for many years to come.

Deb Takes
President and CEO