THE CORPORATE LIBRARY

Related Party Transactions and Outside Related Director Information

Sky Financial Group, Incorporated (SKYF)

2/23/2006 Proxy Information

Mr. Tosh is a retired Regional Chairman of Sky Bank, a subsidiary of Sky Financial Group, Inc. He served as President and Chief Executive Officer of Century National Bank & Trust Company, which was acquired by Citizens Bancshares, Inc., a predecessor of Sky Financial.

Mr. O'Shane is a retired Senior Executive Vice President of Sky Financial Group, Inc. He previously served as Chief Executive Officer of First Western Bancorp, Inc., which was acquired by Sky Financial Group, Inc.

Mr. Chandler is the brother-in-law of Richard R. Hollington, Jr., a Class II director of Sky Financial , and is the uncle of Richard R. Hollington III, an executive officer of Sky Financial.

Mr. Ridler served as President and Chief Executive Officer of Mahoning National Bank of Youngstown, which was acquired by Sky Financial Group, Inc.

Directors and executive officers of the Company and their associates were clients of, or had transactions with, the Company or the Company’s banking or other subsidiaries in the ordinary course of business during 2005. Additional transactions may be expected to take place in the future. All outstanding loans to directors and executive officers and their associates were made in the ordinary course of business, on substantially the same terms, including interest rates and collateral where applicable, as those prevailing at the time for comparable transactions with other persons, and did not involve more than normal risk of collectibility or present other unfavorable features.

2/22/2005 Proxy Information

Mr. Chandler is the uncle of Richard R. Hollington III, an executive officer of the Company.

Joseph N. Tosh retired Regional Chairman of Sky Bank, a subsidiary of Sky FinancialGroup, Inc. He served as President and Chief Executive Officer of Century National Bank & Trust Company, which was acquired by Citizens Bancshares, Inc., a predecessor of Sky Financial.

Gregory L. Ridler former Chairman of Mahoning Valley Region, Sky Bank. He served as President and Chief Executive Officer of Mahoning National Bank of Youngstown, which was acquired by Sky Financial Group, Inc.

Thomas J. O'Shane retired Senior Executive Vice President of Sky Financial Group, Inc. He previously served as Chief Executive Officer of First Western Bancorp, Inc., which was acquired by Sky Financial Group, Inc.

George N. Chandler is the brother-in-law of Richard R. Hollington, Jr., a Class II director of Sky Financial , and is the uncle of Richard R. Hollington III, an executive officer of Sky Financial.

3/4/2004 Proxy Information

George N. Chandler is the brother-in-law of Richard R. Hollington, Jr., a Class II director of the Company, and is the uncle of Richard R. Hollington III, an executive officer of the Company.

Directors and executive officers of the Company and their associates were clients of, or had transactions with, the Company or the Company’s banking or other subsidiaries in the ordinary course of business during 2003. Additional transactions may be expected to take place in the future. All outstanding loans to directors and executive officers and their associates were made in the ordinary course of business, on substantially the same terms, including interest rates and collateral where applicable, as those prevailing at the time for comparable transactions with other persons, and did not involve more than normal risk of collectibility or present other unfavorable features. During 2003, several real estate partnerships and investment companies in which Director Spitler has an ownership interest paid interest on certain real estate loans to the Company in the normal course of business. Also during 2003, the Company obtained certain policies of insurance through McBane Insurance & Financial Services, Inc., an insurance agency in which Director McBane has a forty percent ownership interest. In 2003, the gross commissions payable from the Company to the agency were $233,641.