Slides from Annual Meeting Presentation

Aligning Our Strengths to Deliver Value

Presidential Caterers, Norristown, PA l April 25, 2006

Annual Shareholders’

Meeting

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Our Vision

Harleysville National Corporation will

be the financial advisor of choice by
discovering customers' real financial
needs and offering a complete value
proposition of care and service during
a lifetime

relationship.

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Our Vision

Our staff will accomplish this by

working together as a team to develop a
fully integrated solution delivered

seamlessly through our retail,

commercial and wealth management

professionals.

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We are committed to building

shareholder value while maintaining a
high level of integrity and adherence to
our core corporate principles.

Our Vision

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Relationship

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America’s Finest Companies

History of strong performance, steady returns

30 years of record earnings

31 years of increased dividends

Recognized in America’s Finest Companies

Earnings All Star

Dividend All Star

“Super 50” Team

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NASDAQ Dividend Achievers

New Dividend Achievers List

Broad Dividend Achievers Index

Dividend Achievers 50 Index

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Key Achievements

Grew diluted Earnings Per Share

Delivered a 10% increase in the cash

dividend paid

Increased loans by 16.9%

Grew deposits by 8%

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Challenges

Improve Net Interest Margin

Highly competitive deposit market

Grow fee income through Millennium

Wealth Management

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Aligning Our Strengths to Deliver Value

Presidential Caterers, Norristown, PA l April 25, 2006

George S. Rapp

Senior Vice President and Chief Financial Officer

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Forward-Looking Information

During the course of this presentation, management may make projections

and forward-looking statements regarding events or the future financial

performance of Harleysville National Corporation. We wish to caution you

that these forward-looking statements involve certain risks and

uncertainties, including a variety of factors that may cause Harleysville

National Corporation’s actual results to differ materially from the

anticipated results expressed in these forward-looking statements.
Investors are cautioned not to place undue reliance on these forward-

looking statements and are advised to review the risk factors that may

affect Harleysville National Corporation’s operating results in documents

filed by Harleysville National Corporation with the Securities and Exchange

Commission, including the Quarterly Report on Form 10-Q, the Annual

report on form 10-K and other required filings. Harleysville National

Corporation assumes no duty to update the forward-looking statements

made in this presentation.

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* Adjusted for stock dividend

Diluted Earnings Per Share

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Assets: Year End Balances

(in millions)

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Loans: Year End Balances

(in millions)

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Deposits: Year End Balances

(in millions)

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Loans/Deposits: Year End Balances

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Net Interest Margin

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Nonperforming Assets +90

Loans/Assets

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Net Charge Offs to Loans

Outstanding

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* Excluding gains on sales of investment securities and income on life

insurance

** Excluding gain on sale of branch and Cumberland

Non-Interest Income /

Average Assets*

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Deposits/Employees

(in millions)

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Efficiency Ratio

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* Adjusted for stock dividend

Diluted Total Return % Growth*

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Return on Equity

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* Adjusted for stock dividend

Cash Dividends Paid*

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Source: Center for Research in Security Prices

Five Year Cumulative Total Returns

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Aligning Our Strengths to Deliver Value

Presidential Caterers, Norristown, PA l April 25, 2006

Gregg J. Wagner

President and Chief Executive Officer

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Key Strategic Initiatives

Grow Commercial Banking Division

Use Millennium Wealth Management

to Drive Other Income

Market Expansion Plan

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Grow Commercial Banking

Division

Leverage Market Capacity

Focus on Commercial & Industrial

Loans and Real Estate Lending

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Grow Commercial Banking

Division

Enhance Product and Service Offerings

Re-focus Sales Personnel

Strengthen Commercial Real Estate

Division

Develop Dedicated Government

Banking Division

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Commercial

Banking
Campaign

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Make Millennium Wealth Management a “core

solution” for our retail and commercial customers.

Develop our wealth management products and

services to position Millennium as a premier
wealth management provider in markets we
serve.

Use Millennium Wealth Management

to Drive Other Income

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Millennium Wealth

Management Image
Campaign

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Leading registered investment advisor

for:

High net worth individuals

Privately held business owners

Wealthy families and institutional clients

Asset management, business succession

and estate planning services

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Millennium Wealth Management

Assets Under Management
(in millions)

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Millennium Wealth Management

Revenue (in millions)

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Market Expansion

Build Infrastructure to Accommodate

Growth

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Streamline

Processing

Improve

Teamwork

Maximize

Efficiency

Corporate Campus Expansion

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Market Expansion

Optimize Footprint

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HNBC Headquarters

Future HNB

Location

New HNB Location

Market Expansion

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New Branch Model

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Compelling Investment

Considerations

Energized management team

Demonstrated track record of consistent

earnings

Average dividend yield of 3.51%

Attractive market demographics

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Compelling Investment

Considerations

Future expansion focused in high-growth

markets

$100 invested on 12/31/00 returned

$184.90 at 12/31/05

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