Southwest Georgia Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2009, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. In addition, the FDIC is including in the definition of a noninterest-bearing transaction account the following:

• Accounts commonly known as Interest on Lawyer Trust Accounts and functionally equivalent accounts; and
• Negotiable order of withdrawal accounts (NOW accounts) with interest rates no higher than 50 basis points.

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.