TEMPORARY LIQUIDITY

GUARANTEE PROGRAM

This institution is participating in the FDIC’s Transaction Account Guarantee Program.  Under that program, through December 31, 2010, 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.

In addition to non-interest bearing accounts the program will also cover NOW accounts as long as the interest paid is equal to or below .25 basis points by July 1, 2010 thru December 31, 2010 (and remains below .25 basis points during the coverage period).

Established in 1935. We are one of the strongest and well capitalized community banks serving Toombs County the surrounding area with two convenient locations in Lyons and Vidalia.  We offer a full range of services

From: Michael F. Gay, CEO Peoples Bank

Subject: A Community Bank not impacted

by the Credit Crunch – we are still lending

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