Dear Valued Customers:

We are pleased to announce that SSBBank has started SSBB Mortgage, LLC, a subsidiary company dedicated to better serving our mortgage customers.

Effective January 1, 2003, we transeferred all of the bank's mortgages to SSBB Mortgage, LLC. This change had little if any impact on our mortgage customers. The same courteous staff members continue to serve you, both on the telephone and in person. We want you to know that we did not sell our mortgages to a different organization, in a different city or state -- it's still US serving YOU from Stockbridge, Gregory, Eaton Rapids, and Holt / South Lansing.

If you have any questions, or want more information on any of this, please feel free to contact us at 517-851-7733 (toll free at 1-877-974-BANK). Thank you for your continued patronage.