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FRANKFORT

703 Main Street
P.O. Box 1169
Frankfort, Michigan 49635
(231) 352-9691
(231) 352-4913 fax

EMPIRE

11470 S. Leelanau Hwy
P.O. Box 476
Empire, Michigan 49630
(231) 326-4003
(231) 326-4007 fax

MORTGAGE CENTER

527 Main Street
Frankfort, Michigan 49635
(231) 352-5347
(231) 352-5408 fax State Savings Bank

An Important Message about Safety and Soundness

Dear State Savings Bank Customer,

We understand that media coverage of recent bank failures and troubled markets may have prompted questions about the soundness of local financial institutions. I want you to know that your deposits are safe at State Savings Bank.

State Savings Bank has never engaged in risky subprime lending and investing. In addition, we maintain capital reserves in excess of what is required by our regulator, the Federal Deposit Insurance Corporation. This means that we are able to withstand market changes and are well-prepared to weather the current economic storm.

In fact, we have been recognized for our superior performance, even in these trying times. A recent report published in the Northwestern Financial Review listed State Savings Bank as the most efficient financial institution in the state of Michigan.

We have been serving our community since 1901 and are positioned to remain strong and financially sound for generations to come.

Thank you for banking with us, and thank you for your continued confidence in State Savings Bank. If you have any questions or concerns, I want to hear from you. Please do not hesitate to call me at (231) 352-9691.

Sincerely,

Paul C. Patterson
President & CEO





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