putting the $settings['msg'] info into a template

Hi there
I am trying to add a store message (from the message settings page) to the top of the products listing.

At the moment Ive added

<?php $settings = get_option('mp_settings'); ?>
<?php echo $settings['msg']['product_list']; ?>

to the gridmarket theme index.php. Which works...., but I am pretty sure thats not the way to do it.

I am not familiar with how the theme templates work with each other and there seem to be several similar theme pages that have the same content. So where do I put the code?