Disclaimer

The following "Investment Programs" web pages shall not constitute an offer to sell nor a solicitation of an offer to buy any securities. An offer may only be made by Prospectus dated January 24, 2008 and the related Prospectus Supplements. These securities have not been approved or disapproved by the Securities and Exchange Commission or any state securities commission, nor has the Securities and Exchange Commission or any state securities commission passed upon the accuracy or adequacy of these securities. Any representation to the contrary is a criminal offense. These securities are not certificates of deposit or similar obligations or guaranteed by any depository institution, and they are not insured by the FDIC or any other governmental or private fund or entity.

Offers to sell these securities shall only be made to residents of the States of Georgia and Louisiana. If you are a resident of the State of Georgia or Louisiana and you wish to view information about our Debentures or Demand Notes, please click the "Yes" button below. Otherwise, please click the "No" button below.