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The Glennville Bank and the Tippins Bank have been among the business leaders of Southeast Georgia for many years. Now, with our recently established partnership, we will use our combined 175+ years of banking experience, to offer new and improved products and services while maintaining our local identities and a special commitment to our customers. Accordingly, we take this opportunity to reaffirm our commitment, realizing that our customers have been the foundation of our success and the key to our future prosperity. Thank you for your business. We hope to have an opportunity to serve you in the near future.

NOTICE OF CHANGE IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a “noninterest-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 (“IOLTAs”).

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.