2005 Annual
Shareholders Meeting

Net Income
   (in millions)

Assets (in millions)
Year End Balance

Total Loan Growth
   (in millions)

Deposits
(in millions)

Core Deposits
   (in millions)

Loans/Deposits

Net Interest Margin

Deposits/Employees

Efficiency Ratio

Nonperforming Assets + 90 Loans/Assets

Non - Interest Income/Assets

Diluted EPS % Growth

Return on Equity

*Adjusted

Dividends & Earnings Per Share

*Adjusted

Year End Stock Price

Stock Price/Earnings Per Share

Total Return

2005 Annual
Shareholders Meeting

HNC Shareholder
Meeting

John W. Eisele, President
Millennium Wealth Management & Private
Banking

Mission Statement

Millennium Wealth Management & Private Banking
will be the premier provider of financial and
planning services by utilizing a fully integrated,
holistic approach to their client’s needs.

Core Values

oFocus on the needs of the client

oIntegrity in our relationships with our

   clients and colleagues

oExcellence in knowledge and

   professionalism

oPerformance at the highest level for our

   clients, shareholders and Harleysville

   National Corporation

Montgomery

Wayne

Monroe

Carbon

Schuylkill

Berks

Chester

Bucks

Lehigh

Northampton

Millennium Locations

Locations

Wayne

Montgomery

Monroe

Carbon

Schuylkill

Berks

Chester

Bucks

Lehigh

Northampton

Millennium Locations

Harleysville Locations

Locations

Millennium Wealth Management &
Private Banking is:

PROCESS DRIVEN, 
not product driven.
Our CLIENT’S NEEDS
dictate product
utilization.

Products and Services
delivered to our clients
include:

Equity
Advisory

Debt
Advisory

Custody
Accounts

Financial
Planning

Investment Management

Corporate
Trusts

Personal
Trusts

Estate
Settlement

Estate
Planning

Employee
Benefits

Insurance
Planning

Wealth Management

Custom
Personal
Financing

Customized
Depository
Services

Custom
Corporate
Financing

Private Banking

CLIENT

Financial
Planning

Equity
Advisory

Debt
Advisory

Custody
Accounts

Investment Management

Corporate
Trusts

Personal
Trusts

Estate
Settlement

Estate
Planning

Employee
Benefits

Insurance
Planning

Wealth Management

Custom
Personal
Financing

Customized
Depository
Services

Custom
Corporate
Financing

Private Banking

CLIENT

o  Asset Allocation

o  Retirement Analysis

o  Insurance Needs Analysis

o  Stock Option Compensation Planning

o  Estate Planning

Employee
Benefits

Financial
Planning

Equity
Advisory

Debt
Advisory

Custody
Accounts

Investment Management

Corporate
Trusts

Personal
Trusts

Estate
Settlement

Estate
Planning

Insurance
Planning

Wealth Management

Custom
Personal
Financing

Customized
Depository
Services

Custom
Corporate
Financing

Private Banking

CLIENT

o  Benefit Plan Design

o  Employee Education

o  Investment Management

Personal
Trusts

Employee
Benefits

Financial
Planning

Equity
Advisory

Debt
Advisory

Custody
Accounts

Investment Management

Corporate
Trusts

Estate
Settlement

Estate
Planning

Insurance
Planning

Wealth Management

Custom
Personal
Financing

Customized
Depository
Services

Custom
Corporate
Financing

Private Banking

CLIENT

o  Investment Management

o  Bill Paying Service

o  Individualized Attention

Custom
Personal
Financing

Personal
Trusts

Employee
Benefits

Financial
Planning

Equity
Advisory

Debt
Advisory

Custody
Accounts

Investment Management

Corporate
Trusts

Estate
Settlement

Estate
Planning

Insurance
Planning

Wealth Management

Customized
Depository
Services

Custom
Corporate
Financing

Private Banking

CLIENT

o  Real Estate

o  Luxury Items

o  Personal Loans

oONE trusted relationship

oONE - touch, holistic focus on the client’s needs

oONE Millennium Officer gathers together all the

   expertise within the organization to satisfy the client

The Power of ONE

Delivery Process