July 19, 2001 Mrs. Jill Simko Marketing Director Branch Valley Associates, Inc. 100 Christopher Lane P.O. Box 196 Harleysville, PA 19438 Dear Jill: Just wanted to let you know how much we appriciated working with your company on the construction of our new banking facility in Lansdale. We were especially pleased with the experience and cooperative attitude of the individuals who were responsible for our project. Gary Schaeffer, the Project Manager, and Dennis Fratrik, the Project Foreman, are two individuals that we would welcome when our bank engages Branch Valley for future projects. Bankers are usually "bottom-line" oriented and our beautiful branch building in Lansdale speaks for itself. Sincerely, HARLEYSVILLE SAVINGS BANK Edward J. Molnar President EJM:bjm

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