CharterBank is a federally-chartered savings and loan association, established
in 1954. We are headquartered in West Point, Georgia, which is located in
west-central Georgia on the Alabama border. Our deposits are insured by the
FDIC and we are examined and regulated by the Office of Thrift Supervision and
the FDIC. Our executive offices are located at 600 Third Avenue, West Point,
Georgia and our telephone number is (706) 645-1391.