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Letter from our President

Fourth Quarter 2013

Dear Friends and Customers:

As we enter into the final quarter of 2013, we continue to lend money for our communities and businesses to thrive and grow. To help us achieve this commitment, we are welcoming some new lenders to our already strong lending team. Jon Stevens has joined us and will have a strong focus in agricultural lending. Jon will be located in the Lebanon office. Gretchen Patterson has joined us as a mortgage lending manager to help us increase our secondary market lending activities. Gretchen will be located in the Marketplace at Anson, Zionsville office. Please be sure to say hello and introduce yourself when you visit.

Speaking about growth, as we progress through the journey of meetings, approvals and permits, we are planning a fourth quarter groundbreaking and a targeted spring 2014 opening for our Lebanon North location. Stay tuned for more.

There's so much going on in our markets! And as a community bank, we realize we have a commitment to provide resources for our community. We continue to sponsor Grow Your Business University Lunch and Learn Series in Hendricks County, offering pertinent business education and training. We will be the exclusive sponsor of the College Cost Estimator Workshop for parents and students on October 15 being held at the Boone County 4H Fairgrounds. A goal of this work is to educate families across the socioeconomic spectrum that college is an option they can afford and to empower them in a way that helps them succeed in attaining some form of training after high school. Our next big business event is the end of the year HCBL SBL Cover Party – the networking event held at the Crown Room above our location in Brownsburg on 56th Street. Doors open at 5:30pm. And in December, our employees will participate in a Casual for a Cause denim event by donating money and food to help our local food pantries and Farmers and Hunters Feeding the Hungry in both Hendricks and Boone Counties. And this is just a small list of our involvement in our communities.

As I have said many times, these are exciting times at State Bank of Lizton. Changes within the Bank and in the marketplace create new opportunities every day for us to go the extra mile. If there's anything more we can do for you, please contact me or anyone at State Bank of Lizton. If you have a suggestion for improving our products and services, or if you want to share your story about your banking experience at State Bank of Lizton, we would love to hear from you. Please feel free to contact me directly at 317-858-6182, mbaker@statebankoflizton.com, or stop by my office.

We look forward to serving you in 2013 and beyond!

Sincerely,

Michael Baker Signature

Michael Baker
President


Safety and Soundness

Recent media coverage regarding the safety and soundness of our nation's financial institutions has raised concerns for some people. Rest assured State Bank of Lizton is an FDIC-insured institution and your deposits are guaranteed up to the FDIC limits.

State Bank of Lizton is and will remain a strong, well capitalized financial institution and we want our customers to have a sense of security.
To find FDIC related publications regarding How Your Deposits Are Insured as well as locate the Electronic Deposit Insurance Estimator (EDIE — an interactive application that can help you learn about deposit insurance and allow you to calculate the insurance coverage of your accounts) visit www.fdic.gov or call toll-free 1-877-ASK-FDIC (1-877-275-3342) Monday thru Friday 8:00am to 8:00pm EST. For the hearing impaired, the number is 1-800-925-4618.

Thank you for your continued business and please do not hesitate to contact us should you have any questions.

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