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Federal Deposit
Insurance Corporation

Each depositor insured to at least $250,000 per insured bank

Bid Summary

First Coweta Bank, Newnan, GA
Closing Date: August 21, 2009

Bidder Type of Transaction Deposit Premium/(Discount) % Asset Premium/(Discount) $(000) / % SF Loss Share Tranche 1 SF Loss Share Tranche 2 SF Loss Share Tranche 3 Commercial Loss Share Tranche 1 Commercial Loss Share Tranche 2 Commercial Loss Share Tranche 3 Value Appreciation Instrument Conforming Bid Linked
Winning bid and bidder:
United Bank, Zebulon, GA
All deposit whole
bank with loss share
1.01% $ (20,980) 80% 95% N/A 80% 95% N/A No Yes N/A
Cover (second place):
HeritageBank of the South, Albany, GA
All deposit whole
bank with loss share
1.00% $ (28,000) 80% 95% N/A 80% 95% N/A No Yes N/A
Other Bid: All deposit whole
bank with loss share
0.00% $ (34,850) 80% 95% N/A 80% 95% N/A No No N/A

Other Bidder Name & Location:

CharterBank, West Point, GA

Notes: