<SEC-DOCUMENT>0000908834-18-000046.txt : 20180316
<SEC-HEADER>0000908834-18-000046.hdr.sgml : 20180316
<ACCEPTANCE-DATETIME>20180316113939
ACCESSION NUMBER:		0000908834-18-000046
CONFORMED SUBMISSION TYPE:	DEFA14A
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20180316
DATE AS OF CHANGE:		20180316
EFFECTIVENESS DATE:		20180316

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			HORIZON BANCORP /IN/
		CENTRAL INDEX KEY:			0000706129
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				351562417
		STATE OF INCORPORATION:			IN
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		DEFA14A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-10792
		FILM NUMBER:		18694725

	BUSINESS ADDRESS:	
		STREET 1:		515 FRANKLIN STREET
		CITY:			MICHIGAN CITY
		STATE:			IN
		ZIP:			46360
		BUSINESS PHONE:		2198790211

	MAIL ADDRESS:	
		STREET 1:		515 FRANKLIN STREET
		CITY:			MICHIGAN CITY
		STATE:			IN
		ZIP:			46360

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CITIZENS MICHIANA FINANCIAL CORP
		DATE OF NAME CHANGE:	19861021
</SEC-HEADER>
<DOCUMENT>
<TYPE>DEFA14A
<SEQUENCE>1
<FILENAME>hb_defa14a.htm
<DESCRIPTION>NOTICE OF INTERNET AVAILABILITY
<TEXT>
<html>
<head>
<title></title>
<!--Licensed to: Barnes & Thornburg LLP
    Document created using EDGARfilings PROfile 4.3.3.2
    Copyright 1995 - 2018 Broadridge-->
</head>
<body style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif" bgcolor="#ffffff" text="#000000">
<div>
<div id="DSPFPageHeader"></div>

<div style="MARGIN-BOTTOM: 6pt; FONT-SIZE: 12pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 15.95pt">SCHEDULE 14A INFORMATION</div>

<div style="MARGIN-BOTTOM: 6pt; FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934</div>

<div style="MARGIN-BOTTOM: 6pt; FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">(Amendment No. _______)</div>

<div style="MARGIN-BOTTOM: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left; LINE-HEIGHT: 14.4pt">Filed by the Registrant <font style="FONT-SIZE: 10pt">&#9746;</font></div>

<div style="MARGIN-BOTTOM: 6pt; FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">Filed by a Party other than the Registrant <font style="FONT-SIZE: 10pt">&#9744;</font></div>

<div style="MARGIN-BOTTOM: 6pt; FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">Check the appropriate box:</div>

<div style="MARGIN-BOTTOM: 6pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt"><font style="FONT-SIZE: 10pt">&#9744;</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="FONT-SIZE: 10pt">Preliminary Proxy Statement</font></div>

<div style="MARGIN-BOTTOM: 6pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt"><font style="FONT-SIZE: 10pt">&#9744;</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="FONT-SIZE: 10pt">Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2))</font></div>

<div style="MARGIN-BOTTOM: 6pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">&#9744;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="FONT-SIZE: 10pt">Definitive Proxy Statement</font></div>

<div style="MARGIN-BOTTOM: 6pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt"><font style="FONT-SIZE: 10pt">&#9746;</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="FONT-SIZE: 10pt">Definitive Additional Materials</font></div>

<div style="MARGIN-BOTTOM: 6pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt"><font style="FONT-SIZE: 10pt">&#9744;</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="FONT-SIZE: 10pt">Soliciting Material Pursuant to &#167; 240.14a-12</font></div>

<div style="MARGIN-BOTTOM: 6pt; FONT-FAMILY: Arial; LINE-HEIGHT: 12.55pt"><br style="LINE-HEIGHT: 12.55pt">
</div>

<div style="MARGIN-BOTTOM: 6pt; FONT-SIZE: 12pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 15.95pt">HORIZON BANCORP</div>

<div style="MARGIN-BOTTOM: 6pt; FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: center; LINE-HEIGHT: 12.55pt">(Name of Registrant as Specified in Its Charter)</div>

<div style="MARGIN-BOTTOM: 6pt; FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: center; LINE-HEIGHT: 12.55pt">(Name of Person(s) Filing Proxy Statement if other than the Registrant)</div>

<div style="MARGIN-BOTTOM: 6pt; FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">Payment of Filing Fee (Check the appropriate box):</div>

<div style="MARGIN-BOTTOM: 6pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt"><font style="FONT-SIZE: 10pt">&#9746;</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="FONT-SIZE: 10pt">No fee required.</font></div>

<div style="MARGIN-BOTTOM: 6pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt"><font style="FONT-SIZE: 10pt">&#9744;</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="FONT-SIZE: 10pt">Fee computed on table below per Exchange Act Rules 14a-6(i)(1) and 0-11.</font></div>

<div style="MARGIN-BOTTOM: 6pt; TEXT-ALIGN: justify; LINE-HEIGHT: 12.55pt">
<table id="zf8f03589ba904595b4884bbd599a9d0e" class="DSPFListTable" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-FAMILY: 'Times New Roman'; WIDTH: 36pt"></td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; WIDTH: 18pt; VERTICAL-ALIGN: top; align: right">1)</td>
<td style="FONT-FAMILY: 'Times New Roman'; WIDTH: auto; VERTICAL-ALIGN: top; TEXT-ALIGN: justify">
<div style="FONT-SIZE: 10pt">Title of each class of securities to which transaction applies:</div>
</td>
</tr>
</table>
</div>

<div style="MARGIN-BOTTOM: 6pt; TEXT-ALIGN: justify; LINE-HEIGHT: 12.55pt">
<table id="zb6f1f695decf4193af9ff0419ac93197" class="DSPFListTable" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-FAMILY: 'Times New Roman'; WIDTH: 36pt"></td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; WIDTH: 18pt; VERTICAL-ALIGN: top; align: right">2)</td>
<td style="FONT-FAMILY: 'Times New Roman'; WIDTH: auto; VERTICAL-ALIGN: top; TEXT-ALIGN: justify">
<div style="FONT-SIZE: 10pt">Aggregate number of securities to which transaction applies:</div>
</td>
</tr>
</table>
</div>

<div style="MARGIN-BOTTOM: 6pt; TEXT-ALIGN: justify; LINE-HEIGHT: 12.55pt">
<table id="zb05eac2724c843bb9ec139141804ee22" class="DSPFListTable" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-FAMILY: 'Times New Roman'; WIDTH: 36pt"></td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; WIDTH: 18pt; VERTICAL-ALIGN: top; align: right">3)</td>
<td style="FONT-FAMILY: 'Times New Roman'; WIDTH: auto; VERTICAL-ALIGN: top; TEXT-ALIGN: justify">
<div style="FONT-SIZE: 10pt">Per unit price or other underlying value of transaction computed pursuant to Exchange Act Rule 0-11 (Set forth the amount on which the filing fee is calculated and state how it was determined):</div>
</td>
</tr>
</table>
</div>

<div style="MARGIN-BOTTOM: 6pt; TEXT-ALIGN: justify; LINE-HEIGHT: 12.55pt">
<table id="z2dc0afff3f36407bac77e1287db1ba08" class="DSPFListTable" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-FAMILY: 'Times New Roman'; WIDTH: 36pt"></td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; WIDTH: 18pt; VERTICAL-ALIGN: top; align: right">4)</td>
<td style="FONT-FAMILY: 'Times New Roman'; WIDTH: auto; VERTICAL-ALIGN: top; TEXT-ALIGN: justify">
<div style="FONT-SIZE: 10pt">Proposed maximum aggregate value of transaction:</div>
</td>
</tr>
</table>
</div>

<div style="MARGIN-BOTTOM: 6pt; TEXT-ALIGN: justify; LINE-HEIGHT: 12.55pt">
<table id="zef26c756bb4e44b9a6ec576ca731a615" class="DSPFListTable" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-FAMILY: 'Times New Roman'; WIDTH: 36pt"></td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; WIDTH: 18pt; VERTICAL-ALIGN: top; align: right">5)</td>
<td style="FONT-FAMILY: 'Times New Roman'; WIDTH: auto; VERTICAL-ALIGN: top; TEXT-ALIGN: justify">
<div style="FONT-SIZE: 10pt">Total fee paid:</div>
</td>
</tr>
</table>
</div>

<div style="MARGIN-BOTTOM: 6pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt"><font style="FONT-SIZE: 10pt">&#9744;</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="FONT-SIZE: 10pt">Fee paid previously with preliminary materials.</font></div>

<div style="MARGIN-BOTTOM: 6pt; TEXT-ALIGN: left; LINE-HEIGHT: 14.4pt">
<table id="z4a6bde6cf68b44bb8038aa81a2c36c7e" class="DSPFListTable" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; WIDTH: 36pt; VERTICAL-ALIGN: top; align: right">&#9744;</td>
<td style="FONT-FAMILY: 'Times New Roman'; WIDTH: auto; VERTICAL-ALIGN: top; TEXT-ALIGN: left">
<div style="FONT-SIZE: 10pt">Check box if any part of the fee is offset as provided by Exchange Act Rule 0-11(a)(2) and identify the filing for which the offsetting fee was paid previously. Identify the previous filing by registration statement number, or the Form or Schedule and the date of its filing.</div>
</td>
</tr>
</table>
</div>

<div style="MARGIN-BOTTOM: 6pt; TEXT-ALIGN: justify; LINE-HEIGHT: 12.55pt">
<table id="z46f942b023334fe9aadacc47b3e25a23" class="DSPFListTable" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-FAMILY: 'Times New Roman'; WIDTH: 36pt"></td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; WIDTH: 18pt; VERTICAL-ALIGN: top; align: right">1)</td>
<td style="FONT-FAMILY: 'Times New Roman'; WIDTH: auto; VERTICAL-ALIGN: top; TEXT-ALIGN: justify">
<div style="FONT-SIZE: 10pt">Amount Previously Paid:</div>
</td>
</tr>
</table>
</div>

<div style="MARGIN-BOTTOM: 6pt; TEXT-ALIGN: justify; LINE-HEIGHT: 12.55pt">
<table id="z6d7395a413ec48b38aea44e2668ab25f" class="DSPFListTable" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-FAMILY: 'Times New Roman'; WIDTH: 36pt"></td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; WIDTH: 18pt; VERTICAL-ALIGN: top; align: right">2)</td>
<td style="FONT-FAMILY: 'Times New Roman'; WIDTH: auto; VERTICAL-ALIGN: top; TEXT-ALIGN: justify">
<div style="FONT-SIZE: 10pt">Form, Schedule or Registration Statement No.:</div>
</td>
</tr>
</table>
</div>

<div style="MARGIN-BOTTOM: 6pt; TEXT-ALIGN: justify; LINE-HEIGHT: 12.55pt">
<table id="z00f08a39328a4c0b922f2005d57e2ba7" class="DSPFListTable" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-FAMILY: 'Times New Roman'; WIDTH: 36pt"></td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; WIDTH: 18pt; VERTICAL-ALIGN: top; align: right">3)</td>
<td style="FONT-FAMILY: 'Times New Roman'; WIDTH: auto; VERTICAL-ALIGN: top; TEXT-ALIGN: justify">
<div style="FONT-SIZE: 10pt">Filing Party:</div>
</td>
</tr>
</table>
</div>

<div style="MARGIN-BOTTOM: 6pt; TEXT-ALIGN: justify; LINE-HEIGHT: 12.55pt">
<table id="z3bfd7bb0b57d497aab0f825ce8426493" class="DSPFListTable" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-FAMILY: 'Times New Roman'; WIDTH: 36pt"></td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; WIDTH: 18pt; VERTICAL-ALIGN: top; align: right">4)</td>
<td style="FONT-FAMILY: 'Times New Roman'; WIDTH: auto; VERTICAL-ALIGN: top; TEXT-ALIGN: justify">
<div style="FONT-SIZE: 10pt">Date Filed:</div>
</td>
</tr>
</table>
</div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 10pt; CLEAR: both; MARGIN-TOP: 10pt">
<div id="DSPFPageBreak" style="FONT-FAMILY: Arial; PAGE-BREAK-AFTER: always">
<hr style="BORDER-LEFT-WIDTH: 0px; HEIGHT: 2px; BORDER-RIGHT-WIDTH: 0px; WIDTH: 100%; BORDER-BOTTOM-WIDTH: 0px; COLOR: #000000; CLEAR: both; MARGIN: 4px 0px; BORDER-TOP-WIDTH: 0px; BACKGROUND-COLOR: #000000" noshade="noshade">
</div>

<div id="DSPFPageHeader" style="FONT-FAMILY: Arial"></div>
</div>

<div style="FONT-SIZE: 30pt; FONT-FAMILY: Arial; COLOR: #000000; TEXT-ALIGN: right; LINE-HEIGHT: 34.2pt">+</div>

<table id="z472e36d20028496197f440cebe741a51" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%; BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="2" border="0">
<tr>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: Arial; WIDTH: 34.49%; VERTICAL-ALIGN: top">
<div style="FONT-WEIGHT: bold; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Horizon Bancorp</div>
</td>
<td style="FONT-FAMILY: Arial; WIDTH: 65.51%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="FONT-FAMILY: Arial; WIDTH: 34.49%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
<td style="FONT-FAMILY: Arial; WIDTH: 65.51%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="BORDER-TOP: #000000 2px solid; FONT-FAMILY: Arial; BORDER-RIGHT: #000000 2px solid; WIDTH: 34.49%; VERTICAL-ALIGN: middle; BORDER-BOTTOM: #000000 2px solid; BORDER-LEFT: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-WEIGHT: bold; COLOR: #000000; FONT-STYLE: italic; TEXT-ALIGN: center; LINE-HEIGHT: 8pt">IMPORTANT ANNUAL MEETING INFORMATION</div>
</td>
<td style="FONT-FAMILY: Arial; WIDTH: 65.51%; VERTICAL-ALIGN: top; BORDER-LEFT: #000000 2px solid">
<div style="FONT-SIZE: 10pt; COLOR: #e8008a; TEXT-ALIGN: left; MARGIN-LEFT: 17.1pt; LINE-HEIGHT: 13.7pt">00000</div>
</td>
</tr>

<tr>
<td style="BORDER-TOP: #000000 2px solid; FONT-FAMILY: Arial; WIDTH: 34.49%; VERTICAL-ALIGN: top">&#160;</td>
<td style="FONT-FAMILY: Arial; WIDTH: 65.51%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; COLOR: #e8008a; TEXT-ALIGN: left; MARGIN-LEFT: 17.1pt; LINE-HEIGHT: 13.7pt">4</div>
</td>
</tr>
</table>

<div style="FONT-FAMILY: Arial; LINE-HEIGHT: 10pt"><br style="LINE-HEIGHT: 10pt">
</div>

<div style="FONT-FAMILY: Arial; LINE-HEIGHT: 10pt"><br style="LINE-HEIGHT: 10pt">
</div>

<table id="z204d862b79324f78810005e8072f4629" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%; BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-FAMILY: Arial; WIDTH: 63.48%; VERTICAL-ALIGN: top">&#160;</td>
<td style="FONT-FAMILY: Arial; WIDTH: 36.52%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-WEIGHT: bold; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt; MARGIN-RIGHT: 85.65pt">Vote by Internet</div>
</td>
</tr>

<tr>
<td style="FONT-FAMILY: Arial; WIDTH: 63.48%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 36.52%; VERTICAL-ALIGN: top">
<div style="FONT-FAMILY: Arial; LINE-HEIGHT: 0pt">&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; COLOR: #000000; TEXT-ALIGN: left; MARGIN-TOP: 2.4pt; LINE-HEIGHT: 9.1pt">&#8226; Go to <font style="FONT-SIZE: 10pt; FONT-WEIGHT: bold">www.investorvote.com/HBNC</font></div>
</td>
</tr>

<tr>
<td style="FONT-FAMILY: Arial; WIDTH: 63.48%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 36.52%; VERTICAL-ALIGN: top">
<div style="FONT-FAMILY: Arial; LINE-HEIGHT: 0pt">&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; COLOR: #000000; TEXT-ALIGN: left; MARGIN-TOP: 2.8pt; LINE-HEIGHT: 9.1pt">&#8226; Or scan the QR code with your smartphone</div>
</td>
</tr>

<tr>
<td style="FONT-FAMILY: Arial; WIDTH: 63.48%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 36.52%; VERTICAL-ALIGN: top">
<div style="FONT-FAMILY: Arial; LINE-HEIGHT: 0pt">&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; COLOR: #000000; TEXT-ALIGN: left; MARGIN-TOP: 2.8pt; LINE-HEIGHT: 9.1pt">&#8226; Follow the steps outlined on the secure website</div>
</td>
</tr>
</table>

<div style="FONT-FAMILY: Arial; LINE-HEIGHT: 10pt"><br style="LINE-HEIGHT: 10pt">
</div>

<div style="FONT-FAMILY: Arial; LINE-HEIGHT: 10pt"><br style="LINE-HEIGHT: 10pt">
</div>

<div style="FONT-FAMILY: Arial; LINE-HEIGHT: 10pt"><br style="LINE-HEIGHT: 10pt">
</div>

<table id="z1195f75445304ad6b9b377ad628c6e82" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%; BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0">
<tr>
<td style="BORDER-TOP: #000000 4px solid; WIDTH: 61.95%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 4px solid; BACKGROUND-COLOR: #bfbfbf">
<div style="FONT-FAMILY: Arial; LINE-HEIGHT: 0pt">&#160;</div>

<div style="MARGIN-BOTTOM: 6pt; FONT-SIZE: 14pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; COLOR: #000000; TEXT-ALIGN: left; MARGIN-TOP: 6pt; LINE-HEIGHT: 15.95pt">&#160;Shareholder Meeting Notice</div>

<div style="FONT-FAMILY: Arial; LINE-HEIGHT: 0pt">&#160;</div>
</td>
<td style="BORDER-TOP: #000000 4px solid; WIDTH: 38.05%; VERTICAL-ALIGN: middle; BORDER-BOTTOM: #000000 4px solid; BACKGROUND-COLOR: #bfbfbf">
<div style="FONT-FAMILY: Arial; LINE-HEIGHT: 0pt">&#160;</div>

<div style="FONT-SIZE: 14pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; COLOR: #e8008a; TEXT-ALIGN: left; MARGIN-TOP: 0.85pt; LINE-HEIGHT: 15.95pt">1234&#160;&#160;5678&#160;&#160;9012&#160;&#160;345</div>
</td>
</tr>
</table>

<div style="FONT-FAMILY: Arial; MARGIN-TOP: 0.95pt; LINE-HEIGHT: 10pt"><br style="LINE-HEIGHT: 10pt">
</div>

<div style="FONT-SIZE: 12pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; COLOR: #000000; TEXT-ALIGN: center; MARGIN-LEFT: 100.75pt; MARGIN-TOP: 0.85pt; LINE-HEIGHT: 15.95pt; MARGIN-RIGHT: 95.75pt">Important Notice Regarding the Availability of Proxy Materials for the</div>

<div style="FONT-SIZE: 12pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; COLOR: #000000; TEXT-ALIGN: center; MARGIN-LEFT: 13.55pt; LINE-HEIGHT: 16pt">Horizon Bancorp 2018 Annual Shareholder Meeting to be Held on May 3, 2018, 10:00 a.m. (local time)</div>

<div style="FONT-FAMILY: Arial; MARGIN-TOP: 0.3pt; LINE-HEIGHT: 9.5pt"><br style="LINE-HEIGHT: 9.5pt">
</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; COLOR: #000000; TEXT-ALIGN: left; MARGIN-LEFT: 9.9pt; LINE-HEIGHT: 15.15pt; MARGIN-RIGHT: 7.1pt">Under Securities and Exchange Commission rules, you are receiving this notice that the proxy materials for the annual shareholder meeting are available on the Internet. Follow the instructions below to view the materials and vote online or request a copy. The items to be voted on and location of the annual meeting are on the reverse side. Your vote is important!</div>

<div style="FONT-FAMILY: Arial; MARGIN-TOP: 1pt; LINE-HEIGHT: 11pt"><br style="LINE-HEIGHT: 11pt">
</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; COLOR: #000000; TEXT-ALIGN: left; MARGIN-LEFT: 9.9pt; LINE-HEIGHT: 15.15pt; MARGIN-RIGHT: 15.8pt">This communication presents only an overview of the more complete proxy materials that are available to you on the Internet. We encourage you to access and review all of the important information contained in the proxy materials before voting. The Notice and Proxy Statement, Annual Report and Form of Proxy are available at:</div>

<div style="FONT-FAMILY: Arial; MARGIN-TOP: 0.05pt; LINE-HEIGHT: 6pt"><br style="LINE-HEIGHT: 6pt">
</div>

<div style="FONT-FAMILY: Arial; LINE-HEIGHT: 10pt"><br style="LINE-HEIGHT: 10pt">
</div>

<div style="FONT-SIZE: 12pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; COLOR: #000000; TEXT-ALIGN: center; MARGIN-LEFT: 197.8pt; MARGIN-TOP: 0.55pt; LINE-HEIGHT: 18.25pt; MARGIN-RIGHT: 192.8pt">www.investorvote.com/HBNC</div>

<div style="FONT-FAMILY: Arial; MARGIN-TOP: 0.35pt; LINE-HEIGHT: 8pt"><br style="LINE-HEIGHT: 8pt">
</div>

<div style="FONT-FAMILY: Arial; LINE-HEIGHT: 10pt"><br style="LINE-HEIGHT: 10pt">
</div>

<div style="FONT-SIZE: 12pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; COLOR: #000000; TEXT-ALIGN: justify; MARGIN-LEFT: 81.9pt; MARGIN-TOP: 0.85pt; LINE-HEIGHT: 15.95pt; MARGIN-RIGHT: 82.95pt">Easy Online Access &#8212; A Convenient Way to View Proxy Materials and Vote</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; COLOR: #000000; TEXT-ALIGN: left; MARGIN-LEFT: 81.9pt; MARGIN-TOP: 1.8pt; LINE-HEIGHT: 15.5pt; MARGIN-RIGHT: 166.9pt">When you go online to view materials, you can also vote your shares.</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; COLOR: #000000; TEXT-ALIGN: left; MARGIN-LEFT: 81.9pt; MARGIN-TOP: 1.8pt; LINE-HEIGHT: 15.5pt; MARGIN-RIGHT: 166.9pt"><font style="FONT-SIZE: 10pt; FONT-WEIGHT: bold">Step 1: </font>Go to <font style="FONT-SIZE: 10pt; FONT-WEIGHT: bold">www.investorvote.com/HBNC</font>.</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; COLOR: #000000; TEXT-ALIGN: justify; MARGIN-LEFT: 81.9pt; LINE-HEIGHT: 13.45pt; MARGIN-RIGHT: 182.25pt"><font style="FONT-SIZE: 10pt; FONT-WEIGHT: bold">Step 2: </font>Click on the icon on the right to view current meeting materials.</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; COLOR: #000000; TEXT-ALIGN: justify; MARGIN-LEFT: 81.9pt; MARGIN-TOP: 0.2pt; LINE-HEIGHT: 13.7pt; MARGIN-RIGHT: 67.3pt"><font style="FONT-SIZE: 10pt; FONT-WEIGHT: bold">Step 3: </font>Return to the investorvote.com window and follow the instructions on the screen to log in.</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; COLOR: #000000; TEXT-ALIGN: justify; MARGIN-LEFT: 81.9pt; MARGIN-TOP: 1.9pt; LINE-HEIGHT: 13.7pt; MARGIN-RIGHT: 75.35pt"><font style="FONT-SIZE: 10pt; FONT-WEIGHT: bold">Step 4: </font>Make your selection as instructed on each screen to select delivery preferences and vote.</div>

<div style="FONT-FAMILY: Arial; MARGIN-TOP: 0.25pt; LINE-HEIGHT: 14pt"><br style="LINE-HEIGHT: 14pt">
</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; COLOR: #000000; TEXT-ALIGN: center; MARGIN-LEFT: 8pt; LINE-HEIGHT: 13.7pt; MARGIN-RIGHT: 9.4pt">When you go online, you can also help the environment by consenting to receive electronic delivery of future materials.</div>

<div style="FONT-FAMILY: Arial; MARGIN-TOP: 0.2pt; LINE-HEIGHT: 6pt"><br style="LINE-HEIGHT: 6pt">
</div>

<div style="FONT-FAMILY: Arial; LINE-HEIGHT: 10pt"><br style="LINE-HEIGHT: 10pt">
</div>

<div style="FONT-FAMILY: Arial; LINE-HEIGHT: 10pt">&#160;</div>

<div style="FONT-FAMILY: Arial; MARGIN-TOP: 0.45pt; LINE-HEIGHT: 12pt">&#160;</div>

<div style="MARGIN-TOP: 0.45pt; LINE-HEIGHT: 12pt">
<div id="DSPFPageHeader" style="FONT-FAMILY: Arial"></div>

<table id="zb9608a79e7df4bb8a246367e0f28e507" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%; BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="3" border="0">
<tr>
<td style="BORDER-TOP: #000000 2px solid; FONT-FAMILY: Arial; WIDTH: 14.72%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt"><img style="HEIGHT: 71px; WIDTH: 64px" src="image0.jpg"></div>
</td>
<td style="BORDER-TOP: #000000 2px solid; FONT-FAMILY: Arial; WIDTH: 85.28%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-WEIGHT: bold; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 13.7pt">Obtaining a Copy of the Proxy Materials &#8211; If you want to receive a copy of these documents, you must request one. There is no charge to you for requesting a copy. Please make your request for a copy as instructed on the reverse side on or before April 22, 2018 to facilitate timely delivery.</div>
</td>
</tr>
</table>

<br style="LINE-HEIGHT: 12pt">
</div>

<div style="FONT-FAMILY: Arial; MARGIN-TOP: 0.1pt; LINE-HEIGHT: 6.5pt"><br style="LINE-HEIGHT: 6.5pt">
</div>

<div style="FONT-FAMILY: Arial; LINE-HEIGHT: 10pt"><br style="LINE-HEIGHT: 10pt">
</div>

<div style="FONT-FAMILY: Arial; LINE-HEIGHT: 10pt"><br style="LINE-HEIGHT: 10pt">
</div>

<table id="zb26450c77e5343929a2ba4d0989e4e7c" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%; BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-FAMILY: Arial; WIDTH: 12.35%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 24pt; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 32.15pt">&#9632;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 37.48%; VERTICAL-ALIGN: top">
<div style="COLOR: #000000; TEXT-ALIGN: left; MARGIN-LEFT: 18pt; LINE-HEIGHT: 32.15pt">02AQEC</div>
</td>
<td style="FONT-SIZE: 14pt; FONT-FAMILY: Arial; WIDTH: 25.17%; VERTICAL-ALIGN: top">
<div style="COLOR: #e8008a; TEXT-ALIGN: center; LINE-HEIGHT: 32.15pt">C&#160;&#160;O&#160;&#160;Y</div>
</td>
<td style="FONT-FAMILY: Arial; WIDTH: 25%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 30pt; COLOR: #000000; TEXT-ALIGN: right; MARGIN-LEFT: 18pt; LINE-HEIGHT: 32.15pt">+</div>
</td>
</tr>
</table>

<div style="FONT-FAMILY: Arial; LINE-HEIGHT: 32.15pt"><br style="LINE-HEIGHT: 32.15pt">
</div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 10pt; CLEAR: both; MARGIN-TOP: 10pt">
<div id="DSPFPageBreak" style="FONT-FAMILY: Arial; PAGE-BREAK-AFTER: always">
<hr style="BORDER-LEFT-WIDTH: 0px; HEIGHT: 2px; BORDER-RIGHT-WIDTH: 0px; WIDTH: 100%; BORDER-BOTTOM-WIDTH: 0px; COLOR: #000000; CLEAR: both; MARGIN: 4px 0px; BORDER-TOP-WIDTH: 0px; BACKGROUND-COLOR: #000000" noshade="noshade">
</div>

<div id="DSPFPageHeader" style="FONT-FAMILY: Arial"></div>
</div>

<div style="MARGIN-BOTTOM: 6pt; FONT-FAMILY: Arial; LINE-HEIGHT: 18.35pt"><br style="LINE-HEIGHT: 18.35pt">
</div>

<table id="za08ce038dce842e38955341f76fff1c2" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%; BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0">
<tr>
<td style="BORDER-TOP: #000000 4px solid; WIDTH: 100%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 4px solid; BACKGROUND-COLOR: #bfbfbf">
<div style="FONT-FAMILY: Arial; LINE-HEIGHT: 0pt">&#160;</div>

<div style="MARGIN-BOTTOM: 6pt; FONT-SIZE: 14pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; COLOR: #000000; TEXT-ALIGN: left; MARGIN-TOP: 6pt; LINE-HEIGHT: 15.95pt">&#160;Shareholder Meeting Notice</div>

<div style="FONT-FAMILY: Arial; LINE-HEIGHT: 0pt">&#160;</div>
</td>
</tr>
</table>

<div style="FONT-FAMILY: Arial; MARGIN-TOP: 0.4pt; LINE-HEIGHT: 14pt"><br style="LINE-HEIGHT: 14pt">
</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; COLOR: #000000; TEXT-ALIGN: left; MARGIN-LEFT: 9.9pt; LINE-HEIGHT: 12pt; MARGIN-RIGHT: 25.8pt">Horizon Bancorp&#8217;s 2018 Annual Meeting of Shareholders will be held on Thursday, May 3, at 10:00 a.m. local time (registration will begin at 9:30 a.m.), at Orak Shrine Center, 3848 Frontage Road, Michigan City, Indiana. If you need directions to attend the meeting in person, please call (219) 874-9272 and we will provide directions to you.</div>

<div style="FONT-FAMILY: Arial; MARGIN-TOP: 0.2pt; LINE-HEIGHT: 8pt"><br style="LINE-HEIGHT: 8pt">
</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; COLOR: #000000; TEXT-ALIGN: left; MARGIN-LEFT: 9.9pt; LINE-HEIGHT: 11.4pt">The Board recommends a vote <font style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; FONT-VARIANT: normal; FONT-WEIGHT: bold; COLOR: #000000; FONT-STYLE: normal"><u>FOR</u><font style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; FONT-VARIANT: normal; FONT-WEIGHT: bold; COLOR: #000000; FONT-STYLE: normal"> </font></font>all director nominees and <font style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; FONT-VARIANT: normal; FONT-WEIGHT: bold; COLOR: #000000; FONT-STYLE: normal"><u>FOR</u><font style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; FONT-VARIANT: normal; FONT-WEIGHT: bold; COLOR: #000000; FONT-STYLE: normal"> </font></font>Proposals 2, 3, 4 and 6, and <font style="FONT-SIZE: 10pt"><u>FOR</u></font> &#8220;1 Year&#8221; for Proposal 5.</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; COLOR: #000000; TEXT-ALIGN: left; MARGIN-LEFT: 9.9pt; LINE-HEIGHT: 11.4pt">PROPOSALS:</div>

<div style="FONT-FAMILY: Arial; MARGIN-TOP: 0.55pt; LINE-HEIGHT: 12pt"><br style="LINE-HEIGHT: 12pt">
</div>

<div style="TEXT-ALIGN: left; LINE-HEIGHT: 13pt">
<table id="z320ce4355c1b4ac99b539b2b47df8489" class="DSPFListTable" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-FAMILY: Arial; WIDTH: 27.9pt"></td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; WIDTH: 17.1pt; VERTICAL-ALIGN: top; FONT-WEIGHT: bold; COLOR: #000000; align: right">1.</td>
<td style="FONT-FAMILY: Arial; WIDTH: auto; VERTICAL-ALIGN: top; TEXT-ALIGN: left">
<div style="FONT-SIZE: 10pt; FONT-WEIGHT: bold; COLOR: #000000">Election of three directors to serve three-year terms expiring in 2021.</div>
</td>
</tr>
</table>
</div>

<div style="FONT-FAMILY: Arial; LINE-HEIGHT: 13pt"><br style="LINE-HEIGHT: 13pt">
</div>

<div style="TEXT-ALIGN: left; LINE-HEIGHT: 13pt">
<table id="zc5821c81e864458f819ecdebc4cbed33" class="DSPFListTable" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-FAMILY: Arial; WIDTH: 27.9pt"></td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; WIDTH: 17.1pt; VERTICAL-ALIGN: top; FONT-WEIGHT: bold; COLOR: #000000; align: right">2.</td>
<td style="FONT-FAMILY: Arial; WIDTH: auto; VERTICAL-ALIGN: top; TEXT-ALIGN: left">
<div style="FONT-SIZE: 10pt; FONT-WEIGHT: bold; COLOR: #000000">Approval of the Amended and Restated Articles of Incorporation.</div>
</td>
</tr>
</table>
</div>

<div style="FONT-FAMILY: Arial; LINE-HEIGHT: 13pt"><br style="LINE-HEIGHT: 13pt">
</div>

<div style="TEXT-ALIGN: left; LINE-HEIGHT: 13pt">
<table id="z56e0c167900c4a8d98e1d9866f95f056" class="DSPFListTable" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-FAMILY: Arial; WIDTH: 27.9pt"></td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; WIDTH: 17.1pt; VERTICAL-ALIGN: top; FONT-WEIGHT: bold; COLOR: #000000; align: right">3.</td>
<td style="FONT-FAMILY: Arial; WIDTH: auto; VERTICAL-ALIGN: top; TEXT-ALIGN: left">
<div style="FONT-SIZE: 10pt; FONT-WEIGHT: bold; COLOR: #000000">Approval of the Amended and Restated 2013 Omnibus Equity Incentive Plan.</div>
</td>
</tr>
</table>
</div>

<div style="FONT-FAMILY: Arial; LINE-HEIGHT: 8.5pt"><br style="LINE-HEIGHT: 8.5pt">
</div>

<div style="TEXT-ALIGN: left; LINE-HEIGHT: 13pt">
<table id="z9d93035939554a97a927db18d9a44f73" class="DSPFListTable" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-FAMILY: Arial; WIDTH: 27.9pt"></td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; WIDTH: 17.1pt; VERTICAL-ALIGN: top; FONT-WEIGHT: bold; COLOR: #000000; align: right">4.</td>
<td style="FONT-FAMILY: Arial; WIDTH: auto; VERTICAL-ALIGN: top; TEXT-ALIGN: left">
<div style="FONT-SIZE: 10pt; FONT-WEIGHT: bold; COLOR: #000000">Approval of a non-binding advisory proposal on executive compensation.</div>
</td>
</tr>
</table>
</div>

<div style="FONT-FAMILY: Arial; LINE-HEIGHT: 13pt"><br style="LINE-HEIGHT: 13pt">
</div>

<div style="TEXT-ALIGN: left; LINE-HEIGHT: 13pt">
<table id="z76703cb22e454d2f85ebea237f8ed79c" class="DSPFListTable" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-FAMILY: Arial; WIDTH: 27.9pt"></td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; WIDTH: 17.1pt; VERTICAL-ALIGN: top; FONT-WEIGHT: bold; COLOR: #000000; align: right">5.</td>
<td style="FONT-FAMILY: Arial; WIDTH: auto; VERTICAL-ALIGN: top; TEXT-ALIGN: left">
<div style="FONT-SIZE: 10pt; FONT-WEIGHT: bold; COLOR: #000000">Approval of a non-binding advisory proposal on the frequency of the advisory vote to approve executive compensation.</div>
</td>
</tr>
</table>
</div>

<div style="FONT-FAMILY: Arial; MARGIN-TOP: 0.5pt; LINE-HEIGHT: 7.5pt"><br style="LINE-HEIGHT: 7.5pt">
</div>

<div style="TEXT-ALIGN: left; LINE-HEIGHT: 13pt">
<table id="zb4782f88c3dc4c06b46b5142249a5687" class="DSPFListTable" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-FAMILY: Arial; WIDTH: 27.9pt"></td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; WIDTH: 17.1pt; VERTICAL-ALIGN: top; FONT-WEIGHT: bold; COLOR: #000000; align: right">6.</td>
<td style="FONT-FAMILY: Arial; WIDTH: auto; VERTICAL-ALIGN: top; TEXT-ALIGN: left">
<div style="FONT-SIZE: 10pt; FONT-WEIGHT: bold; COLOR: #000000">Ratification of the appointment of BKD, LLP, as independent auditors for 2018.</div>
</td>
</tr>
</table>
</div>

<div style="FONT-FAMILY: Arial; LINE-HEIGHT: 8.5pt"><br style="LINE-HEIGHT: 8.5pt">
</div>

<div style="TEXT-ALIGN: left; LINE-HEIGHT: 13pt">
<table id="za3535a15c59c4a428403143beff94b57" class="DSPFListTable" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-FAMILY: Arial; WIDTH: 27.9pt"></td>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; WIDTH: 17.1pt; VERTICAL-ALIGN: top; FONT-WEIGHT: bold; COLOR: #000000; align: right">7.</td>
<td style="FONT-FAMILY: Arial; WIDTH: auto; VERTICAL-ALIGN: top; TEXT-ALIGN: left">
<div style="FONT-SIZE: 10pt; FONT-WEIGHT: bold; COLOR: #000000">Transaction of such other business as may be properly brought before the Annual Meeting or any adjournment of the Annual Meeting.</div>
</td>
</tr>
</table>
</div>

<div style="FONT-FAMILY: Arial; LINE-HEIGHT: 8.5pt"><br style="LINE-HEIGHT: 8.5pt">
</div>

<div style="FONT-FAMILY: Arial; LINE-HEIGHT: 10pt"><br style="LINE-HEIGHT: 10pt">
</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; COLOR: #000000; TEXT-ALIGN: center; MARGIN-LEFT: 165.45pt; LINE-HEIGHT: 11.4pt; MARGIN-RIGHT: 160.45pt">EXERCISE YOUR RIGHT TO VOTE. YOUR VOTE IS IMPORTANT.</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; COLOR: #000000; TEXT-ALIGN: center; MARGIN-LEFT: 243.4pt; MARGIN-TOP: 0.5pt; LINE-HEIGHT: 11.4pt; MARGIN-RIGHT: 238.4pt">THIS IS NOT A BALLOT.</div>

<div style="FONT-FAMILY: Arial; LINE-HEIGHT: 8.5pt"><br style="LINE-HEIGHT: 8.5pt">
</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; COLOR: #000000; TEXT-ALIGN: left; MARGIN-LEFT: 9.9pt; LINE-HEIGHT: 13pt; MARGIN-RIGHT: 10.6pt">PLEASE NOTE &#8211; YOU CANNOT VOTE BY RETURNING THIS NOTICE. To vote your shares you must vote online or request a paper copy of the proxy materials to receive a proxy card. If you wish to attend and vote at the meeting, please bring this notice with you.</div>

<div style="FONT-FAMILY: Arial; MARGIN-TOP: 0.2pt; LINE-HEIGHT: 6pt"><br style="LINE-HEIGHT: 6pt">
</div>

<div style="FONT-FAMILY: Arial; LINE-HEIGHT: 10pt"><br style="LINE-HEIGHT: 10pt">
</div>

<div style="FONT-FAMILY: Arial; LINE-HEIGHT: 10pt"><br style="LINE-HEIGHT: 10pt">
</div>

<table id="z124df208e2d442de8e5fe810a7447d65" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%; BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0">
<tr>
<td style="BORDER-TOP: #000000 4px solid; FONT-FAMILY: Arial; WIDTH: 62.72%; VERTICAL-ALIGN: top; BORDER-BOTTOM-COLOR: ">&#160;</td>
<td style="BORDER-TOP: #000000 4px solid; WIDTH: 37.28%; VERTICAL-ALIGN: top; BORDER-BOTTOM-COLOR: ">
<div style="FONT-FAMILY: Arial; LINE-HEIGHT: 0pt">&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; COLOR: #000000; TEXT-ALIGN: center; MARGIN-TOP: 6pt; LINE-HEIGHT: 11.4pt">IMPORTANT</div>
</td>
</tr>

<tr>
<td style="FONT-FAMILY: Arial; WIDTH: 62.72%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 4px solid">&#160;</td>
<td style="WIDTH: 37.28%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 4px solid">
<div style="MARGIN-BOTTOM: 6pt; FONT-SIZE: 10pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Unless you request a copy of the proxy materials as described below, you will not otherwise receive either a paper copy or an email copy.</div>

<div style="FONT-FAMILY: Arial; LINE-HEIGHT: 0pt">&#160;</div>
</td>
</tr>
</table>

<div style="FONT-FAMILY: Arial; LINE-HEIGHT: 10pt"><br style="LINE-HEIGHT: 10pt">
</div>

<table id="z2469f0770a2846f594d0a9977b2d0ac8" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%; BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-FAMILY: Arial; WIDTH: 11.04%; VERTICAL-ALIGN: top" rowspan="7">
<div style="FONT-SIZE: 48pt; FONT-WEIGHT: bold; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt"><img style="HEIGHT: 71px; WIDTH: 64px" src="image0.jpg"></div>
</td>
<td style="FONT-FAMILY: Arial; WIDTH: 88.96%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-WEIGHT: bold; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 13.7pt">Here&#8217;s how to order a copy of the proxy materials and select a future delivery preference:</div>
</td>
</tr>

<tr>
<td style="FONT-FAMILY: Arial; WIDTH: 88.96%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="FONT-FAMILY: Arial; WIDTH: 88.96%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt"><font style="FONT-SIZE: 10pt; FONT-WEIGHT: bold">Paper copies: </font>Current and future paper delivery requests can be submitted via the telephone, Internet or email options below.</div>
</td>
</tr>

<tr>
<td style="FONT-FAMILY: Arial; WIDTH: 88.96%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="FONT-FAMILY: Arial; WIDTH: 88.96%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 13.5pt"><font style="FONT-SIZE: 10pt; FONT-WEIGHT: bold">Email copies: </font>Current and future email delivery requests must be submitted via the Internet following the instructions below. If you request an email copy of current materials you will receive an email with a link to the materials.</div>
</td>
</tr>

<tr>
<td style="WIDTH: 88.96%; VERTICAL-ALIGN: top">
<div style="FONT-FAMILY: Arial; LINE-HEIGHT: 0pt">&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; COLOR: #000000; TEXT-ALIGN: left; MARGIN-TOP: 4.95pt; LINE-HEIGHT: 11.4pt"><font style="FONT-SIZE: 10pt; FONT-WEIGHT: bold">PLEASE NOTE: </font>You must use the number in the shaded bar on the reverse side when requesting a set of proxy materials.</div>
</td>
</tr>

<tr>
<td style="FONT-FAMILY: Arial; WIDTH: 88.96%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="FONT-FAMILY: Arial; WIDTH: 11.04%; VERTICAL-ALIGN: top" rowspan="2">&#160;</td>
<td style="FONT-FAMILY: Arial; WIDTH: 88.96%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; COLOR: #000000; TEXT-ALIGN: left; MARGIN-LEFT: 21.85pt; LINE-HEIGHT: 13.45pt; TEXT-INDENT: -21.85pt"><font style="FONT-SIZE: 10pt"><font style="FONT-FAMILY: Times New Roman">&#9679;</font>&#160;</font><font style="FONT-SIZE: 10pt; FONT-WEIGHT: bold">Internet </font>&#8211; Go to <font style="FONT-SIZE: 10pt; FONT-WEIGHT: bold">www.investorvote.com/HBNC</font><font style="FONT-SIZE: 10pt; FONT-WEIGHT: bold">. </font>Follow the instructions to log in and order a copy of the current meeting materials and submit your preference for email or paper delivery of future meeting materials.</div>
</td>
</tr>

<tr>
<td style="FONT-FAMILY: Arial; WIDTH: 88.96%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="FONT-FAMILY: Arial; WIDTH: 11.04%; VERTICAL-ALIGN: top" rowspan="2">&#160;</td>
<td style="FONT-FAMILY: Arial; WIDTH: 88.96%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; COLOR: #000000; TEXT-ALIGN: left; MARGIN-LEFT: 21.85pt; LINE-HEIGHT: 13.45pt; TEXT-INDENT: -21.85pt"><font style="FONT-SIZE: 10pt"><font style="FONT-FAMILY: Times New Roman">&#9679;</font>&#160;</font><font style="FONT-SIZE: 10pt; FONT-WEIGHT: bold">Telephone </font>&#8211; Call us free of charge at 1-866-641-4276 and follow the instructions to log in and order a paper copy of the materials by mail for the current meeting. You can also submit a preference to receive a paper copy for future meetings.</div>
</td>
</tr>

<tr>
<td style="FONT-FAMILY: Arial; WIDTH: 88.96%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="FONT-FAMILY: Arial; WIDTH: 11.04%; VERTICAL-ALIGN: top" rowspan="3">&#160;</td>
<td style="FONT-FAMILY: Arial; WIDTH: 88.96%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; COLOR: #000000; TEXT-ALIGN: left; MARGIN-LEFT: 21.85pt; LINE-HEIGHT: 13.45pt; TEXT-INDENT: -21.85pt"><font style="FONT-SIZE: 10pt"><font style="FONT-FAMILY: Times New Roman">&#9679;</font>&#160;</font><font style="FONT-SIZE: 10pt; FONT-WEIGHT: bold">Email </font>&#8211; Send email to investorvote@computershare.com with &#8220;Proxy Materials Horizon Bancorp&#8221; in the subject line. Include in the message your full name and address, plus the number located in the shaded bar on the reverse, and state in the email that you want a paper copy of current meeting materials. You can also state your preference to receive a paper copy for future meetings.</div>
</td>
</tr>

<tr>
<td style="FONT-FAMILY: Arial; WIDTH: 88.96%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="FONT-FAMILY: Arial; WIDTH: 88.96%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; COLOR: #000000; TEXT-ALIGN: left; MARGIN-LEFT: 21.6pt; LINE-HEIGHT: 11.4pt">To facilitate timely delivery, all requests for a paper copy of the proxy materials must be received by April 22, 2018.</div>
</td>
</tr>
</table>

<div style="LINE-HEIGHT: 11.4pt"><br style="LINE-HEIGHT: 11.4pt">
</div>
</div>
</body>
</html>

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>2
<FILENAME>image0.jpg
<TEXT>
begin 644 image0.jpg
M_]C_X  02D9)1@ ! 0$.Q [$  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0D)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1" %' 20# 2(  A$! Q$!_\0
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MD\C5;=E"*BD>;&"ZLQ/( 7S1QW89'< 'U'1110 4444 %%%% !1110 4444
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MLZSH+>8T$UN+Q,R';&R,$;"],L)%R>/N#KV /HNBBB@ HHHH **** "BBB@
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MH+;;NW9\DF+=G Z[,X[9QSUKL* "BHYYX;6WEN+B6.&")"\DDC!510,DDG@
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MV1C<XQC.?*#;>O?&><=#4F@?$OP?XHU1=,T?6HY[QD+K$T,D1<#KMWJ 3CG
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MM1;9SG&/-*[NG;..,]10!ZIJO[2T*O<1Z/X;D=-F()[NY"G=MZM&H/ ;L'Y
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MX>M?6?ACX(^#O#\4,EU9?VO?)RT][\R$E=I B^YMSD@,&(SU.!@^.>C?VO\
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MKC'..N>#QTH T)_VD/%37$K6^E:-' 7)C22.5V5<\ L' )QWP,^@KEY_C/\
M$&YMY8'\12!)$*,8[:%& (QPRH"I]P01VKT"#]F>9K>)KCQ7''.4!D2.P+JK
M8Y 8R D9[X&?05T?_#./@_\ Z"6N?]_X?_C5 '@'_"=^,/\ H:]<_P#!C-_\
M57/U]?\ _"DOAY_T+W_D[<?_ !RN@_X03P?_ -"IH?\ X+H?_B: /B"BON_3
M-"T?1/-_LG2K&P\['F?9+=(M^,XSM SC)Z^IK0H \,_9LTJ^MM+UW4Y[:2.S
MO7@2VE88$IC\S?M[D L!GIG(Z@X]7\9P377@7Q#;V\4DT\NF7*1QQJ69V,3
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M&UNK'.%9\=: /4/VE-,\WP]H>K>=C[-=O;>5M^]YJ;MV<\8\G&,<[NV.=O\
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M5@N0,D*"<9(Y]Q7V_IOAK0=&N&N-+T33;&=DV-):VJ1,5R#@E0#C(''L*U*
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MRNTJCD#D*XS[YZ]:[2HX((;6WBM[>*.&") D<<:A510,  #@ #M4E !1110
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MQPVW.#C.,9P:^V_$NFS:SX5U?2[=HUGO;*:WC:0D*&="H)P"<9/H:^%*^W_
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M:,@,%=2I(R",X/H:^2/AI(WA?XRZ1!J<,BSP7LEC+&A5BDKAH>N<$!F&2">
M<9H /C/!#;?%O7D@BCB0O$Y5%"@LT*,QX[EB23W))KZ[L+ZWU/3K:_LY/,M;
MJ)9H7VD;D8 J<'D9!'6ODCXV_P#)7M=_[=__ $1'7T_X$_Y)YX9_[!5K_P"B
MEH \P^,'Q@U3PSKC>'?#K017$42/=7;Q[WC=L,$4,-OW,$DAL[\#!6O!]9\5
M^(/$.\:OK-]>QM*9O*FG8QJYSRJ9VKU(& , X'%?2?BWX(:;XO\ &\OB"[UB
M[@@N$47%K%&NXLJ; 4D/"C"KD%6Z'GD8W-&^$/@;1-C1:#!=3"(1-)?$W&_I
MEBKY0,2.JJ.I P#B@#Y,T3PWK7B.X\C1M+N[YPZ(YAB++&6.%WMT0'!Y8@<'
MTKT31OV?/&.H;'U!K'2X_-".LTWFR!.,NHCRIZG +#)'8<U]3T4 >+Z-^SCX
M?M-CZOJU]J$B2A]L*K;QN@Q\C#YFYYR0PX/&",UZ!HWPY\':!L.G>';%9$E$
MR2S1^=(CC&"KR;F7& 1@\'GK7444 %%%% !1110 45CWWBSPWIEY)9W_ (@T
MJTNH\;X9[V.-UR 1E2<C((/XUQ]]\=? -I9R3PZI/>R+C$$%I('?) X+JJ\=
M>2.GKQ0!Z117AFI?M+:;%<*NE^&[NY@V99[JY6!@V3P%4.",8YSW/''/)W_[
M1GBRX^TI9V&E6D<FX0MY3R21 YVG);:S#CDK@D=,<4 ?3]%?&FI?%KQYJMNL
M%QXENT17W@VJI;MG!'+1JI(YZ9QT]!7)WU_>:G>27E_=SW=U)C?-/(9';  &
M6/)P !^% 'V???$?P5I]G)=3>*-*>-,9$%RLSG) X1"6/7L..O2N3U+]H+P1
M8W"Q6YU+4$*;C+:VP50<GY3YC(<\9Z8Y'/6OE2B@#Z O_P!I?_CY33O#']X6
M\UQ>?7:SHJ?0E0WMN[UXOXI\27GB[Q'=ZY?QP1W5ULWI I"#:BH, DGHH[UV
M'PX^$5Y\0-.N-2_M:"PL896M\^499#( C?=RHVX?KNSD=.]>GZ-^SCX?M-CZ
MOJU]J$B2A]L*K;QN@Q\C#YFYYR0PX/&",T >D>!/^2>>&?\ L%6O_HI:Z"BB
M@ HHHH **** "BBB@ HHHH **** "BBB@ KX\\8&;P?\;M0O9XX[A[36%U$1
MHY =6<3JN2.#M8 \'!SUK[#KY0^/VF?8/BA/<^=YG]H6D-SMVX\O ,6W.>?]
M5G/'WL=LD N?M%00P_$:U>**-'FTR)Y650"[>9(N6]3M51D]@!VKW/X5ZG_:
M_P +_#USY/E;+06VW=NSY),6[.!UV9QVSCGK7SQ\8KZXU/4?"=_>2>9=77AJ
MSFF?:!N=C(6.!P,DGI7J?PR\?^%/"_PDT2+6-<M()U>9&@4F65"9I&&Z- 6
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M? OAJ/1[&228ES-<3OP9I2 "V.BC"@ #H ,Y.2>DHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "OG#]I33/*\0Z'JWG9^TVCVWE;?N^4^[=G/.?.Q
MC'&WOGCZ/KQ#]I33/-\/:'JWG8^S7;VWE;?O>:F[=G/&/)QC'.[MCD \G\7V
MOF?#WP%J\MQ/+=3VEW9MYC[@L<-PWE@=^!(1UQA5  Q7-Z;X:U[6;=KC2]$U
M*^@5]C26MJ\JAL X)4$9P1Q[BOH?]F^>%O NIVZRQF>/4V=XPPW*K11A21U
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M#ZG<&2,D\X F8KN^4].< ]LU\\:S\7O'.M[UEUZ>UA,IE6.Q M]G7"ADPY4
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M&_LW^U)GR/,U,+/M4XX"[0@Y'7;NY(S@XKT"B@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
0B@ HHHH **** "BBB@#_V0$!

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
