Letter from Retired CEO

Happy New Year:

Happy New year to you and your family! As the year ends and I begin my retirement, I would like to take a moment
to reflect on my time here at PBK Bank. I have enjoyed my time as the Chief Executive Officer of PBK Bank and
am very thankful for all my wonderful employees (past and present), customers, the Board of Directors, and the
people in our communities.

I have been fortunate to have been in this industry for more than 30 years and the CEO of PBK Bank since 2002,
During that time and in my years growing up in Lincoln County, I have never found a better place than where we call home.

At PBK, we strive to provide our communities with high quality customer service through a motivated, professional staff that fulfills the financial needs of those we serve.  I know that while I am no longer your CEO, I will always believe in PBK Bank and it's staff.

I would like to say Thank You to all who have blessed my life.  Cheers to another wonderful year.  If you have any questions now or into the the New Year do not hesitate to contact any of the wonderful staff.

Sincerely,