Dear Valued Customer,

We are excited to share with you that Morris Building and Loan and Harvard Savings Bank have joined together to give you banking that's better. On April 21, 2008 the merger did occur and the partnership between the two banks officially began. What makes this a great partnership is the fact that we are both very similar. Both of us are true “community” banks, committed to working with every customer to meet their financial needs and develop strong relationships. The people who have always serviced you will still be here to greet you again and with the Morris Building and Loan name still on the building.

We have worked hard to enhance your banking services and look forward to offering you more opportunities in the future. Throughout the 90 years Morris Building and Loan has been in business and 74 years that Harvard Savings Bank has been in business, we have stayed focused on our customers. We thank you for your trust and confidence in allowing us to handle your banking need.

Sincerely,

Henry D. Harseim
President