Karen I. Miller

President & CEO

Dear Friends and Neighbors,

You really can’t go anywhere these days without hearing about housing and the “sub-prime mortgage crisis.” Reports of the rising number of foreclosures and the current state of the sub-prime mortgage industry are enough to cause anyone to lose sleep.

I want to reassure you that at The Farmers Bank, we make it our business to get to know each of our customers on a personal level. We feel that is the only way to confidently provide mortgage solutions that are right for them today, as well as in the future. That’s why we have never invested in, or engaged in sub-prime lending.

As a result, The Farmers Bank is stronger than ever. We have the funds available to help our qualified borrowers with:

• traditional home mortgages
• home refinancing and equity lines of credit
• personal and business loans

We are committed to providing every community we serve with versatile lending options, competitive rates, and responsible decision-making. It’s all part of making The Farmers Bank your bank for life.

Sincerely,

Karen I. Miller

President