First Southern Bank

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

Rates Effective: August 19, 2010 - 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	.05%	.05%
CD - 182 Day	$1,000.00	$1,000.00	.20%	.20%
CD - 12 Month	$1,000.00	$1,000.00	.40%	.40%
CD - 18 Month	$1,000.00	$1,000.00	.40%	.40%
CD - 24 Month	$1,000.00	$1,000.00	.70%	.70%
CD - 36 Month	$1,000.00	$1,000.00	.85%	.85%
CD - 48 Month	$1,000.00	$1,000.00	.95%	.95%
CD - 60 Month	$1,000.00	$1,000.00	1.06%	1.06%

IRA-Trad/Roth 12 Mth	$100.00	$100.00	.40%	.40%
IRA-Trad/Roth 24 Mth	$100.00	$100.00	.70%	.70%
IRA-Trad/Roth 36 Mth	$100.00	$100.00	.85%	.85%
IRA-Trad/Roth 48 Mth	$100.00	$100.00	.95%	.95%
IRA-Trad/Roth 60 Mth	$100.00	$100.00	1.06%	1.06%

Interest Checking (Pre 2/23/2006 Accounts)	$500.00	$500.00	0.15%	0.15%
High Performance Interest Checking Accounts	$50.00	NO MINIMUM	0.15%	0.15%
Southern Advantage Checking ($0 - $2,499)	$50.00	$0.00 - $2,499.99	0.15%	0.15%
Southern Advantage Checking ($2,500 & Above)	$2,500.00	$2500.00 and above	0.50%	0.50%

Statement Savings	$25.00	$25.00	0.30%	0.30%

Money Market ($500.00 - $9,999.99)	$500.00	$500.00 - $9,999.99	0.30%	0.30%
Money Market ($10,000.00 - $24,999.99)	$10,000.00	$10,000.00 - $24,999.99	0.50%	0.50%
Money Market ($25,000.00 - $49,999.99)	$25,000.00	$25,000.00 - $49,999.99	0.75%	0.75%
Money Market ($50,000.00 & Above)	$50,000.00	$50,000.00 and above	1.63%	1.64%





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Rates are subject to change daily.
* APY is Annual Percentage Yield
Account types listed under "Deposit Accounts" above are products with rates that are subject to change after an account is opened and at the discretion of First Southern Bank. These accounts may also charge fees which will reduce earnings.
Interest paid on all account types listed under "Certificates of Deposit" is not compounded and cannot be credited to the certificate. A penalty may be imposed for early withdrawal.
Interest paid on accounts listed under "Individual Retirement Accounts" is compounded. A penalty may be imposed for early withdrawal.

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* 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.