Darrin L. Kresevic Senior Vice President, Loan Production Officer - Solon 6150 Enterprise Parkway Solon Ohio 44139 Office: 440-914-0683 Pager: 216-982-6611 FAX: 440-914-0693

Lending Philosophy
The key to my success is treating customers the way I want to be treated - with respect. I provide excellent follow through with the loan every step of the way. Equally important is that as my customer, I will inform you of the different mortgage options available, so that together, we can make an educated decision as to which mortgage program will best fit your needs and provide you with a secure comfort level.

Professional Experience

• Mortgage lender since 1991
• Joined First Place Bank in May 2001. Promoted to Senior Vice President, November 2004. Recipient of First Place Bank's most prestigious Circle of Excellence Award.
• With Republic Bank, January 1994 to May 2001. Promoted to Vice President in 1997 and Senior Vice President in 1999
• One of Cleveland's top loan officers for seven years

Bank Support
At First Place Bank, the customer comes first. I receive exceptional support from the members of my office team and senior management. With my assistant at my side, we strive to overwhelm our customers with excellent service, such as having a person answer the phone versus voicemail. Additional support comes from First Place Bank management, their confidence and ability to stand behind my decisions provides you with quality customer service. When I pass information along to my customers, they can "take it to the bank"...Our Bank...First Place Bank. My business is based on enhancing business relationships as well as developing friendships, with realtors, builders, accountants, attorneys, and past customers. They know they can count on me to handle their transactions in the same professional manner that attracted their clients to them in the first place.

Personal Profile
My wife Cheryl and I are the proud parents of three children. Cheryl is a former elementary school teacher and is currently staying at home to raise our children. I enjoy playing golf and spending time with my wife and children.

Who is First Place Bank?
First Place Bank is the result of a merger between First Federal of Warren and First Federal of Youngstown and the acquisition of Ravenna Savings. This merger makes First Place Bank the largest financial institution in the Mahoning Valley. First Place Bank specializes in mortgage lending and is committed to providing you with aggressive rates, costs and products. First Place Bank is a bank but has many similar characteristics of a mortgage company. At times we use our own funds and at other times we use the funds of outside investors.

Our commitment is to provide you with more convenience, more options and a broader scope of financial service concentrating on residential mortgage loans. Strong resources combined with rock-solid security and an understanding of your needs means you will have a lending/banking source that will take good care of you.

Key Facts About First Place Bank

• We are one of the top 5 lenders in the Cuyahoga Valley.
• We are the #1 mortgage lender in the Mahoning Valley.
• We've been in the mortgage lending business for over 100 years.
• We are the 2nd largest publicly traded thrift in Ohio.
• We have just under $2.6 billion in assets.
• We trade on the NASDAQ under FPFC.