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Message from the President continued...

Technology continues to change the way we live. In the coming years, we will experience a revolution not only in banking, but also in our lives, as the Internet becomes more and more a part of society. Lincoln Savings Bank will be well poised in this arena. Our online banking product is the ultimate financial tool providing research (including balances, transactions, and images), money management tools (including transfers, wires and ACH), and bill payment services. In addition, MyLSB.com will offer a wealth of financial information to help customers become wiser consumers. MyLSB.com will catapult Lincoln Savings Bank ahead of our competition on the Internet.

As we move forward, Lincoln Savings Bank has set a corporate initiative of taking our financial center concept to the Internet, positioning Lincoln Saving Bank as a technological leader among financial institutions. In addition to the many traditional banking services offered on-line, we will endeavor to introduce investments, insurance, realty, and financial planning through LSB Financial, Inc., our wholly-owned bank subsidiary.

At Lincoln Savings Bank, we are dedicated to serving you and your community. Please enjoy MyLSB.com.

Sincerely,

Steve Tscherter
President and CEO
Lincoln Savings Bank