Throughout Southern Michigan Bank & Trust's solid history of community banking, service has always been the key to its success. As SMBT moves into the future, one thing its customers can always count on is that they will enjoy Banking As It Should Be.

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Southern Michigan Bancorp, Inc., 51 West Pearl Street Coldwater, MI 49036 (517) 279-5500. Investor Relations Contact Mr. John H. Castle (517) 279-5504

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"Many financial institutions would not have considered a project with so many moving parts. The team at Southern Michigan Bank & Trust simply rolled up their sleeves, worked with everyone involved and created a successful solution that worked for everyone.