CRA

Your involvement is encouraged.

You are entitled to certain information about our operations and our performance under the

CRA, including, for example, information about our branches, such as their location and services

provided at them; the public section of our most recent CRA Performance Evaluation, prepared

by the FDIC; and comments received from the public relating to our performance in helping to

meet community credit needs, as well as our responses to those comments. You may review this

information today.

At least 30 days before the beginning of each quarter, the FDIC publishes a nationwide list of the

banks that are scheduled for CRA examination in that quarter. This list is available from the

Regional Director, FDIC, 300 South Riverside Plaza, Suite 1700, Chicago, IL 60606. You may

send written comments about our performance in helping to meet community credit needs to

Michael S. Zahn, President and CEO, 100 Frontage Road, Huntington, IN 46750 and FDIC

Regional Director. You may also submit comments electronically through the FDIC's Web site at

www.fdic.gov/regulations/cra. Your letter, together with any response by us, will be considered

by the FDIC in evaluating our CRA performance and may be made public.

You may ask to look at any comments received by the FDIC Regional Director. You may also

request from the FDIC Regional Director an announcement of our applications covered by the

CRA filed with the FDIC. We are an affiliate of Northeast Indiana Bancorp, Inc., a bank holding

company. You may request from the Officer in Charge of Supervision, Federal Reserve Bank of

Chicago, 230 South LaSalle Street, Chicago, IL 60690 an announcement of applications covered

by the CRA filed by bank holding companies.