State Bank & Trust Co.

State Bank & Trust Company, is an independent, family owned commercial bank focused on small business lending and developing relationships with small business owners and their employees. The bank's success has been dependent upon providing its customers with superior service and competitive products. With this in mind, we have structured our bank to provide our customers with:

Continuity of Loan Officers and staff

Direct access and communication with Management of the bank

A primary focus on Small business lending

Local decisions and a timely response

Commercial loans including but not limited to:

Operating lines*
Term loans*
Real Estate loans*
Letters of credit*

State Bank and Trust is committed to assisting you with your banking needs in every way possible.

FDIC Transaction Account Guarantee Program

All funds in a "non-interest bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, money-market deposit accounts, and Interest on Lawyers Trust Accounts ("IOLTA's").

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.
* Loans are subject to credit approval