:::: State Bank of Lizton ::::

Checking and Savings Accounts
Account Type	Minimum Opening Deposit	Interest Rate	Annual Percentage Yield
Statement Savings	$25.00	0.05%	0.05%
Youth Savings	No minimum	0.05%	0.05%
Holiday Savings	$25.00	0.05%	0.05%
High Growth Checking	$1,000.00
For qualified accounts with balances up to $25,000		3.00%	3.00%
For qualified accounts with balances over $25,000		.20%	.20%
For accounts not meeting qualifications		.05%	.05%
Legacy Checking	$50.00
0 - $1,000		N/A	N/A
$1,000 - $24,999.99		.05%	.05%
$25,000 - $99,999.99		.10%	.10%
$100,000 PLUS		.20%	.20%
Rates Effective as of 1/31/2012 Due to market fluctuations and at our discretion, rates may change on variable accounts after account is opened. Fees could reduce earnings. Contact us for more information.

Money Market Select Account
Minimum Balance	Interest Rate	Annual Percentage Yield
$2,500.00 - $24,999.99	.05%	.05%
$25,000 - $49,999.99	.10%	.10%
$50,000 - $99,999.99	.15%	.15%
$100,000 and above	.20%	.20%
Rates Effective as of 1/31/2012 Due to market fluctuations and at our discretion, rates may change on variable accounts after account is opened. Fees could reduce earnings. You must maintain the minimum balance to obtain disclosed annual percentage yield. Contact us for more information.

Premium Money Market
Minimum Balance	Interest Rate	Annual Percentage Yield
$0.00 - $24,999.99	.05%	.05%
$25,000 - $49,999.99	.10%	.10%
$50,000 - $99,999.99	.15%	.15%
$100,000 - $249,999.99	.20%	.20%
$250,000 and greater	.20%	.20%
Rates Effective as of 1/31/2012 Due to market fluctuations and at our discretion, rates may change on variable accounts after account is opened. Fees could reduce earnings. A minimum deposit of $25,000 to open account.You must maintain the minimum balance to obtain disclosed annual percentage yield. Contact us for more information.

Certificates of Deposit - Fixed Rate
Certificate Type	Minimum Opening Deposit	Interest Rate	Annual Percentage Yield
91 Day CD	$2,500.00	0.10%	0.10%
182 Day CD	$2,500.00	0.15%	0.15%
12 Month CD	$2,500.00	0.20%	0.20%
18 Month CD	$2,500.00	0.30%	0.30%
24 Month CD	$2,500.00	0.40%	0.40%
36 Month CD	$2,500.00	0.50%	0.50%
48 Month CD	$2,500.00	1.60%	1.61%
60 Month CD	$2,500.00	1.25%	1.25%
72 Month CD	$2,500.00	1.35%	1.35%
*** Special 17 Month CD	$10,000.00	0.70%	0.70%
*** Special 27 Month CD	$10,000.00	1.00%	1.00%


Jumbo Certificates	$250,000.00	EMAIL US FOR RATES
IRA 12 Month Fixed	$500.00	0.20%	0.20%
IRA 18 Month Variable	$500.00	0.30%	0.30%
IRA 18 Month Fixed	$500.00	0.30%	0.30%
IRA 24 Month Fixed	$500.00	0.40%	0.40%
IRA 36 Month Fixed	$500.00	0.50%	0.50%
IRA 60 Month Fixed	$500.00	1.25%	1.25%
Rates Effective as of 1/31/2012 Due to market fluctuations and at our discretion, rates may change on variable accounts after account is opened. Penalty imposed for early withdrawal on certificates of deposit. Other terms are available. ***Customer must have SBL checking account to open the special. Customer's interest must either be compounded or deposited into an SBL account - interest checks are not permitted on these specials. Contact us for more information.

Mortgage Rates
Program	A.P.R.
30 Year Fixed Conv.*	5.168%
15 Year Fixed Conv.*	4.448%
20 Year Fixed Conv*	4.992%

Rates Effective as of 1/31/2012 * Based on a $100,000 loan amount Based on Credit Score of 740 and above Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers. Your individual rate may vary. Rates are shown for owner occupied single family dwellings only. Non owner occupied financing and other programs are available. These rates would reflect a best case credit score and based on an owner occupied, non cash out, Indiana pricing. Also, please note if there is a borrower or co-borrower, pricing will be dictated by the mid score of which ever person has the lowest score. For more detailed information and the current day's rates, please contact our mortgage lenders at trichardson@statebankoflizton.com and llarison@statebankoflizton.com.**

Home Equity Loan Rates*
Term in Months	Maximum LTV	Rate	A.P.R.
36 Months	80%	6.63%	6.96%
60 Months	80%	6.88%	7.12%
84 Months	80%	7.63%	7.85%
120 Months	80%	8.13%	8.33%
Rates Effective as of 1/31/2012 Based on $25,000 loan amount Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers with automatic payment from their State Bank of Lizton checking account.. Your individual rate may vary. Rates are shown for owner occupied single family dwellings only. For more detailed information and the current day's rates, please contact our mortgage lenders at trichardson@statebankoflizton.com and llarison@statebankoflizton.com.*

Home Equity Line of Credit Rates
Program	Maximum LTV	Rate	A.P.R.
Home Equity Line	Up to 80%	WSJ Prime* +.50%	3.75%
Rates Effective as of 1/31/2012 Based on $25,001 loan amount Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers. Your individual rate may vary. Rates are shown for owner occupied single family dwellings only. A maximum annual percentage rate (APR) will not exceed 21% and a minimum APR will not fall under 5%. If the account is paid-off in the first 12 months, a $200.00 termination fee will apply. Rates are based on Wall Street Journal Prime Rate. For more detailed information and the current day's rates, please contact our mortgage lenders at trichardson@statebankoflizton.com and llarison@statebankoflizton.com.*

Consumer Loans*
Program	Term	Rate	A.P.R.
New Auto	24 Months	3.75%	4.29%
New Auto	36 Months	3.75%	4.13%
New Auto	48 Months	3.75%	4.05%
New Auto	60 Months	3.75%	4.00%
Rates Effective as of 1/31/2012 Based on $25,000 loan amount Loan origination fee $125 Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit approval. *The rates shown are based on average rates for our best qualified customers with automatic payment from their State Bank of Lizton checking account.. Your individual rate may vary. Contact us for more information.