First Southern Bank

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See our CURRENT RATES-
(RATES ARE SUBJECT TO CHANGE DAILY)

Rates Effective: July 2, 2009 - Please scroll down to view our account specials and additional disclosures.
Account type	Minimum Balance to Open	Minimum Balance to Obtain APY*	Rate	Annual Percentage Yield


CD - 91 Day	$1,000.00	$1,000.00	.60%	.60%
CD - 182 Day	$1,000.00	$1,000.00	.85%	.85%
CD - 12 Month	$1,000.00	$1,000.00	1.20%	1.20%
CD - 18 Month	$1,000.00	$1,000.00	1.30%	1.30%
CD - 24 Month	$1,000.00	$1,000.00	1.35%	1.35%
CD - 36 Month	$1,000.00	$1,000.00	1.70%	1.70%
CD - 48 Month	$1,000.00	$1,000.00	1.80%	1.80%
CD - 60 Month	$1,000.00	$1,000.00	2.00%	2.00%

IRA-Trad/Roth 12 Mth	$100.00	$100.00	1.20%	1.21%
IRA-Trad/Roth 24 Mth	$100.00	$100.00	1.35%	1.36%
IRA-Trad/Roth 36 Mth	$100.00	$100.00	1.70%	1.71%
IRA-Trad/Roth 48 Mth	$100.00	$100.00	1.80%	1.81%
IRA-Trad/Roth 60 Mth	$100.00	$100.00	2.00%	2.02%

Interest Checking (Pre 2/23/2006 Accounts)	$500.00	$500.00	0.25%	0.25%
High Performance Interest Checking Accounts	$50.00	NO MINIMUM	0.25%	0.25%
Southern Advantage Checking ($0 - $2,499)	$50.00	$0.00 - $2,499.99	0.25%	0.25%
Southern Advantage Checking ($2,500 & Above)	$2,500.00	$2500.00 and above	0.75%	0.75%

Statement Savings	$25.00	$25.00	0.40%	0.40%

Money Market ($500.00 - $9,999.99)	$500.00	$500.00 - $9,999.99	0.40%	0.40%
Money Market ($10,000.00 - $24,999.99)	$10,000.00	$10,000.00 - $24,999.99	0.70%	0.70%
Money Market ($25,000.00 - $49,999.99)	$25,000.00	$25,000.00 - $49,999.99	1.00%	1.00%
Money Market ($50,000.00 & Above)	$50,000.00	$50,000.00 and above	1.63%	1.64%

22 Month CD Special	$5,000.00	$5,000.00	2.25%	2.25%
30 Month CD Special	$5,000.00	$5,000.00	2.75%	2.75%
60 Month CD Special	$5,000.00	$5,000.00	3.55%	3.55%

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Rates are subject to change daily. Fees may reduce earnings. A penalty could be imposed for early withdrawal.
* Annual Percentage Yield
Account types listed under "Deposit Accounts" above are products with rates that are subject to change at the discretion of First Southern Bank.
Interest paid on accounts listed under "Certificates of Deposit" is not compounded. Interest on these accounts must be paid by check or transfer to another account.

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