The Bank of Georgia -- Rewards Checking -- Rates effective as of September 10, 2009

To receive the high Annual Percentage Yield and ATM fee refunds nationwide, you must perform the following qualifications each monthly statement cycle:

1. Make 10 Visa check card purchases
2. Set up one Direct Deposit or authorize one automatic payment from your account.
3. Enroll and receive Electronic Statements (valid e-mail address is required)

Earn nationwide ATM fee refunds each cycle the qualifications are met.

4.01% Annual Percentage Yield (APY) paid on balances between one penny and $25,000 and 1.01% APY paid on the portion of account balances above $25,000 for each monthly statement cycle the qualifications are met.

If you do not meet the qualifications during a monthly statement cycle, your account will still function as a free checking account earning 0.25% APY and you will not receive ATM refunds for that time period.

Annual Percentage Rates for this account are effective as of September 10, 2009 and subject to change after account is opened.

A minimum balance of $100 is required to open this account. Available for personal accounts only.

No monthly service charge.

To open any account, including Rewards Checking, The Bank of Georgia requires the physical presentment of proper identification by account signers and the new account documentation to be signed at one of the bank's branch offices. Visit www.bankofgeorgia.com to view Our Locations. Contact The Bank of Georgia for more details at 770-631-9488 or customercaresupport@bankofgeorgia.com or visit www.bankofgeorgia.com.

Member FDIC.