April 3, 2007

Public Relations Planning

• The largest locally controlled financial institution headquartered in the northern Indiana – southwestern Michigan area

• $3.81 billion in deposits

• 67 banking centers in 16 counties

• 24 locations nationwide for the Specialty Finance Group

• A public company, locally controlled, trading on NASDAQ under symbol “SRCE”

Who is 1st Source?

1st Source

• #1 deposit market share in our traditional 15-county market

• #1 provider of loans for home improvement

• #1 provider of SBA loans in northwest Indiana and southwest Michigan

• #3 equity income fund performance in the USA over a 10-year period

• #2 market share in mortgage loans

1st Source

• Selected a “Best Place to Work in Indiana” by the Indiana Chamber of Commerce

• Voted Readers’ Choice Bank by the South Bend Tribune, Niles Daily Star, and Plymouth Pilot-News

• Voted Favorite Bank by the viewers of WNDU

• Will acquire First National Bank, Valparaiso• $600 million in assets• 26 banking facilities in Porter, LaPorte and

Starke Counties, Indiana

Market Share

Top 3 Percent

#226 – Top 3%

out of 8,689 insured domestic financial institutions 9/30/06

Bank Performance Scorecard

#65 2006 Top 150 Performers

Banker Directors Magazinebased on profitability, capital adequacy and asset quality(up from #88 in 2005)

Safety and Soundness

2006 Blue Ribbon Bank Commendation of Excellence

• Veribanc, Inc. 2006

• The country’s oldest recognition of banks which have met exceptionally high standards

• Awardees must demonstrate exceptional attention to safety, soundness and financial strength

• To qualify for the Blue Ribbon designation, banks must meet the highest green, three-star rating in an eight-level rating service, plus additional safety criteria

Safety and Soundness

Five-star rating from Bauer’s Star Rating

Based on capital ratio, profitability/loss trend, evaluating the level of delinquent loans and repossessed assets, the market versus book value of the investment portfolio, regulatory supervisory agreements, the community reinvestment rating (CRA), and liquidity. Potential losses on available-for-sale securities, delinquent loans and repossessed assets are forecasted in assigning the star rating.

Retail Consumer Banking

• Competitive product lineup• Checking, savings, and certificate of deposit

products• Consumer loans• Mortgages• Investments• Private banking• Small business, micro-business

A Full-Service Bank

Commercial Banking

• Commercial loans• Business checking and savings accounts• Cash management services• Retirement plan services• Business leasing• Funds management (municipalities)• Ag banking• SBA Preferred Lender

A Full-Service Bank

Personal Asset Management

• 1st Source Investment Advisors− Close to $3.0 billion under management

• Estate planning• Tax planning• Trust administration• College savings plans• Asset Advisors – retail

A Full-Service Bank

Specialty Finance Group – nationwide

• New and used private and cargo aircraft• Automobiles and light trucks for leasing and

rental agencies• Medium and heavy duty trucks• Construction equipment• Environmental equipment

A Full-Service Bank

1st Source Bank Market

2006 Market DataBusinesses: 63,531 Clients: 11,053Penetration: 17.4%

Households: 607,056Client HHs: 92,906Penetration: 15.3%

2006 FDIC Deposits (000)

Market: $24,004,5891st Source: $ 2,668,056Share: 11.1%

15 Counties

1st Source Bank Market

2006 Market DataBusinesses: 44,641Clients: 10,550Penetration: 18.8%

Households: 433,594Client HHs: 81,406Penetration: 23.6%

2006 FDIC Deposits (000)

Market: $17,182,0101st Source: $ 2,419,619Share: 14.1%

Michiana

1st Source Bank Market

2006 Market DataBusinesses: 18,810Clients: 503Penetration: 2.7%

Households: 176,345Client HHs: 11,500 Penetration: 6.5%

2006 FDIC Deposits (000)

Market: $ 6,740,4881st Source: $ 248,437Share: 3.7%

Fort Wayne

1st Source Bank Market

All Markets (including FW)

0

500,000

1,000,000

1,500,000

2,000,000

2,500,000

3,000,000

3,500,000

1999 2000 2001 2002 2003 2004 2005 2006

1st Source Bank

No Broke re d De p

JPM Chase

National City

Fifth Third

Lake City

TCU

$(000)

11.1%

8.6%

5.3%

6.8%

6.5%

5.2%

Data as of 6/2006 – Highline BranchSource

Deposit Market Share

Michiana Market (all except FW)

0

500,000

1,000,000

1,500,000

2,000,000

2,500,000

3,000,000

1999 2000 2001 2002 2003 2004 2005 2006

1st Source Bank

No Broke re d De p

Fifth Third

JPM Chase

TCU

Lake City Bk

Ke y Bank

$(000)

14.1%

7.9%

7.0%

7.2%

6.6%

5.9%

Data as of 6/2006 – Highline BranchSource

Deposit Market Share

Fort Wayne Region

0

200,000

400,000

600,000

800,000

1,000,000

1,200,000

1999 2000 2001 2002 2003 2004 2005 2006

JPM Chase

National City

Wells Fargo

Tower Bank

1st Source ( 9th )

Fifth Third ( 10th )

$(000)

3.2%

3.7%

7.6%

10.1%

13.7%

13.0%

Data as of 6/2006 – Highline BranchSource

Deposit Market Share

Communications

The 1st Source mission is to help individuals, institutions, businesses and communities achieve security, build wealth and realize their dreams.

Our clients have individual goals. Living our mission requires that we listen, then use our creativity and resources to help them reach these goals.

1st Source Mission

Corporate Overview

Corporate Overview

1st Source Image Platform

You’ll want to bank with 1st Source Bank because we’re convenient to do business with, and we take the time to listen to and understand your needs. This allows 1st Source Bank to be the best in offering you sound advice, straight talk, and products to build your financial wealth.

Incorporate IDEO

• Advertising is clean, simple, tangible, personal, local and straightforward

• Products / product lines are simple, local, personal and straightforward

Image Strategy

• Demonstrate image position rather than just saying it. Bring image to life.

• Stability of 1st Source Bank in a changing market.

• Benefits of being local.

• Keep our overall message focused.

• Prioritize target markets. Stay focused on the needs of our targets.

• Match all PR events, sponsorships and donations to our image platform and target markets in order of priority.

Image Strategy

Build upon 1st Source strengths

• 1st Source as advisor

• 1st Source as business partner

• 1st Source as proactive relationship manager

• 1st Source as a personal relationship– We’re real people you know and trust

• 1st Source as a part of the community– Our growth comes from the strength and

development of each community in the region

Points of Differentiation

Use real 1st Source people

• Connects to audience• Gives staff greater affinity• Person does not become message but enhances it

Know it is us right away

Compelling reason to pay attention

• Not leave room• Not “same old”

Creative Direction

Humor with empathy

Be able to respond to emerging opportunity• Turn on a dime

Call to action. Commercials must lead to action.

Product advertising that shows we have your best interest in mind.

Creative Direction

TV – Savings :30

• Michiana

• Fort Wayne

Media

Public Relations Specialist

Has responsibility for developing and maintaining a favorable public relations climate with the community, the press and the stockholders.

Qualifications

Extraordinary communications skills, both written and verbal; flexible, highly organized, self-starter, independent worker, strategic thinker, opportunistic attitude. College degree preferred in Journalism, English, Communications or applicable field. Two years related experience required, banking experience not necessary.

Public Relations

Responsibilities

• Planning, developing and administering the company’s public relations program against target segments.

• Analyzing, evaluating and interpreting public opinion for management as it relates to assigned areas of the organization. Recommending the position the company should take on sensitive issues.

• Developing and maintaining contacts within the community. Developing strategic plan for community involvement by bank employees.

Public Relations

Responsibilities (continued)

• Developing and maintaining contacts with the press. Drafting releases and pursuing other media communications including pro-active development of positive story ideas. Developing contacts within the bank to act as informed spokespersons in their discipline.

• Planning and organizing special promotions and events.

• Managing business development program. Overseeing baseball suite, ticket distribution, merchandise, etc.

• Other duties as assigned.

Public Relations

Avian Flu Pandemic plan

Contingency Planning