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FDIC Transaction Account Guarantee Program

Bank of Upson/Meriwether Bank & Trust/SouthCrest Bank has elected to participate in the FDIC’s Transaction Account Guarantee Program. Under that program, through December 31, 2009, all non-interest bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account.

Coverage under the Transaction Account Guarantee Program is in addition to, and separate from, the coverage available under the FDIC’s general deposit insurance rules. FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor through December 31, 2013.

Notice to Customers with Transfer or Sweep Arrangements: If you have non-interest bearing transaction accounts with a transfer or sweep arrangement to an interest-bearing transaction account or product, that transfer could decrease your FDIC deposit insurance coverage.