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FDIC DEPOSIT INSURANCE COVERAGE

On May 20, 2009, President Barack Obama signed the Helping Families Save Their Homes Act, which extends the temporary increase in the Standard Maximum Deposit Insurance Amount (SMDIA) to $250,000 per depositor through December 31, 2013. This extension of the temporary $250,000 coverage limit became effective immediately upon the President's signature. The legislation provides that the SMDIA will return to $100,000 on January 1, 2014.

FDIC TRANSACTION ACCOUNT GUARANTEE PROGRAM

George Washington Savings Bank is participating in the FDIC's Transaction Account Guarantee Program. Under this program, through December 31, 2009, all non-interest bearing transaction account and NOW accounts with an interest rate of 0.5% or less 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 seperate from the coverage available under the FDIC's general deposit insurance rules.