The Commitment of Resource Bank Chapter One What We Believe Today, many banks feel under intense pressure to acquire or to as we have seen once more, our landscape is changing dramatically. For some, this may not matter. For many, however, it is very important. At Resource Bank, we believe-strongly - that there is an enduring place for a true, locally-based community bank. This means that our entire staff is right here - when and where you need us most. There is an adage that says: "In matters of style, swim with the current; in matters of principle, stand like a rock." Please allow me to share Resource Bank's "rock" principles with you: We are dedicated to: Enriching the Lives of Our Customers Caring For Our Communities Believing in the American Dream Before closing, I would like to share a story. Just a few years ago, we met a successful area businessman who immigrated to this country from Germany and recently became an American citizen. After sharing our history and philosophy of business with him, he said that Resource Bank reminded him of a bank he knew in his home country. Having been founded nearly 350 years ago, the bank has remained independent with an unbroken tradition of family ownership since 1674. The reason, he said. is because their principles and values have not changed. They form the heart of their business and this, he said, is why the bank reminded him of Resource. That was a very proud moment. We recognize that we owe everything to you, dear loyal customers. knowing that we are only relevant so long as you deem us to be. We pledge to you that we will continue to do our utmost to earn your trust, and we hope that you will continue to reward us with your business. Our sincere thanks for your patronage and support as we move forward towards a bright and prosperous future together. Rad Richard Katz, Chairman ResourceBank A NATIONAL (815) 756-6321 ResourceBank.com Member FDIC SHARKKUTAMBEN BURENDE TIPARASE CHARVEL The Commitment of Resource Bank Chapter One What We Believe Today , many banks feel under intense pressure to acquire or to as we have seen once more , our landscape is changing dramatically . For some , this may not matter . For many , however , it is very important . At Resource Bank , we believe - strongly - that there is an enduring place for a true , locally - based community bank . This means that our entire staff is right here - when and where you need us most . There is an adage that says : " In matters of style , swim with the current ; in matters of principle , stand like a rock . " Please allow me to share Resource Bank's " rock " principles with you : We are dedicated to : Enriching the Lives of Our Customers Caring For Our Communities Believing in the American Dream Before closing , I would like to share a story . Just a few years ago , we met a successful area businessman who immigrated to this country from Germany and recently became an American citizen . After sharing our history and philosophy of business with him , he said that Resource Bank reminded him of a bank he knew in his home country . Having been founded nearly 350 years ago , the bank has remained independent with an unbroken tradition of family ownership since 1674. The reason , he said . is because their principles and values have not changed . They form the heart of their business and this , he said , is why the bank reminded him of Resource . That was a very proud moment . We recognize that we owe everything to you , dear loyal customers . knowing that we are only relevant so long as you deem us to be . We pledge to you that we will continue to do our utmost to earn your trust , and we hope that you will continue to reward us with your business . Our sincere thanks for your patronage and support as we move forward towards a bright and prosperous future together . Rad Richard Katz , Chairman ResourceBank A NATIONAL ( 815 ) 756-6321 ResourceBank.com Member FDIC SHARKKUTAMBEN BURENDE TIPARASE CHARVEL