Chairman and CEO's Message

Dear Customers, Neighbors and Friends,

Thank you for visiting us today. I hope that you find the information available on our site to be informative and convenient.

At Harleysville Bank our success is measured by how well we meet the expectations of the people we serve. To the communities we serve, it's helping to improve the overall quality of life. To our customers, it's providing them with the services they need and an experience they enjoy. To our team members, it means providing a nurturing workplace with opportunity for advancement. To you our stockholders, it's a strong return on your investment.

This year we were fortunate enough to be celebrating 30 years as a publicly traded company. Also noteworthy, of the 41 Pennsylvania stock thrift organizations in operation as of December 31, 1988, Harleysville Financial Corporation is the only independent public company still in existence. We are also pleased to announce a record year of earnings, the solid financial results of the past year and how the balance sheet has been strengthened to allow us to deliver consistent ongoing returns for our shareholders.

We've continued to see loan growth and an increase in transaction accounts in both our commercial and retail areas. Our rewards checking accounts are strong and the recent bank mergers have allowed for many opportunities in our communities. We continue to enhance our technology to allow for a better experience for our customers and team members. This year we launched an updated version of our mobile banking app making it more user friendly; as well as adding a program for the branch team which has made the experience at the teller window more efficient.

In May 2017, we made the decision to update our name to Harleysville Bank. We are still the same local, community bank that has been here for over 100 years. We believe the name update will better reflect who we are and what we do and that we are more than just a savings bank. We are continually evolving to meet the financial needs of our customers.

Giving back is one of the core values we proudly display throughout the bank. It's our individual commitment to each other, our corporate responsibility to provide monetary support, and our investment in and support of our communities and community activities in their many shapes and sizes. During this past fiscal year, our team volunteered over 7,300 hours to over 120 organizations, supporting and/or attending over 200 events. Our team donated $37,500 to the local North Penn United Way which was then matched 100% by the bank for a total donation of $75,000.

Leadership succession planning is essential in order for us to remain a profitable, independent community bank going forward. In December, we announced that Ron Geib will be retiring as CEO as of March 30, 2018 and Brendan McGill, current President and Chief Operating Officer will then serve as our CEO. Brendan has been with the Bank for almost 20 years and has demonstrated the leadership necessary to help the Bank continue to grow. This step is essential in order for us to continue creating value for our stakeholders.

In closing, we would like to recognize the retirement of Ed Molnar as Chairman of the Board this past January. Ed worked in the banking industry for 60 years and spent 50 of those years with Harleysville Bank. Ed was hired as our CEO in 1967 and retired as our Chairman in 2017. He is a pillar of the community, having been honored by numerous organizations throughout the years. He was very active in the local little league, resulting in 50 years of service and having one of the fields named after him - Molnar Field. His story is simply about an ordinary man who discovers that living each ordinary day honorably, with faith in God, and a selfless concern for others, can make for a truly wonderful life.

As we look ahead to the coming year, we are confident our position as a community bank will be stronger than ever. We will continue to honor the safe and conservative principles that have served us well over the years. On behalf of our Directors and our Team, we thank you for your continued trust, confidence and investment in our Company.

Harleysville Bank is a wholly owned subsidiary of Harleysville Financial Corporation, which trades on the OTCQX national market system under the symbol HARL.

Ron Geib

Ronald B. Geib

Chairman

Brendan McGill

Brendan McGill

Chief Executive Officer/President


Video - Celebrating our first 100 years...

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