FDIC Transaction Guarantee Program

Important FDIC Insurance Information - FDIC deposit insurance permanently moved to $250,000 per depositor.

• Greenwoods State Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2013, all noninterest -bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.

• Noninterest - Bearing Transaction Accounts are defined as: Traditional demand deposit or checking accounts (including all personal and business checking accounts that do not earn interest).

• NOW Accounts with interest rates no higher than 0.25%.

• Sweep Agreements - Funds automatically transferred from a fully guaranteed noninterest - bearing Business Checking account to an interest - bearing Business Account, have only the basic FDIC deposit insurance and are not fully guaranteed.

• For further information about the recent FDIC changes regarding deposit insurance visit:

                                http://www.fdic.gov/deposit/deposits/changes.html