* Transaction Account Guarantee Program
First Southern Bank is participating in the FDIC's Transaction Account Guarantee Program. Under the program all noninterest-bearing
transaction accounts with the exception of the two account types noted below are fully guaranteed by the FDIC for the entire
amount in the account through December 31, 2010. Our Southern Advantage Checking and Business Checking with Interest products
with a balance in excess of $2,500 are ineligible for the Transaction Account Guarantee Program. Coverage under the Transaction
Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.