RANDY HUFFSTETLER, CEO		DELORES WRIGHT OPO & CASHIER
R.E. RAWLS, CIO		RAMONA CAVENDER, LO
JOY ADAMS, LO & LD MGR		BARBARA PORCH, HEAD BKP
AMANDA RODRIGUEZ, BSA & IT		ELENA MILLER, CO

GREENFIELD BANKING COMPANY

P O BOX 47

GREENFIELD, TENNESSEE 38230

731-235-2207 FAX 731-235-2209

NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit

http://www.fdic.gov/deposit/deposits/unlimited/expiration.html