First Southern Bank

Rate Information

June 12, 2008 - Rates Subject To Change Without Prior Notice

Deposit Rates
Product	Minimum Balance To Open and Obtain APY	Interest Rate	APY****
NOW Accounts †	$1000.00	1.00	1.01
Money Market Accounts †	$2,500.00	1.75	1.76
Premier MMDA †	$2,500-$4,999	1.75	1.76
(Tiered rate)	$5,000 - $9,999	2.00	2.02
	$10,000-$19,000	2.25	2.27
	$20,000 or more	2.50	2.53
Savings †	$25.00	1.25	1.26	Int. paid semi-annually
Christmas †	$10.00	1.25	1.25	Int. paid at maturity
Fortune 55 †	$100.00	1.25	1.26	Int. paid monthly

CERTIFICATES

3 MONTHS ‡***	$500.00	2.62	2.65	Int. paid monthly
6 MONTHS ‡***	$500.00	3.01	3.05	Int. paid monthly
12 MONTHS ‡***	$500.00	2.72	2.75	Int. paid monthly
18 MONTHS ‡***	$500.00	2.72	2.75	Int. paid monthly
24 MONTHS ‡***	$500.00	2.86	2.90	Int. paid monthly
30 MONTHS ‡***	$500.00	2.86	2.90	Int. paid monthly
36 MONTHS ‡***	$500.00	2.96	3.00	Int. paid monthly
48 MONTHS ‡***	$500.00	3.11	3.15	Int. paid monthly
60 MONTHS ‡***	$500.00	3.11	3.15	Int. paid monthly

SPECIAL
9 MONTHS	$1000.00	3.49	3.55	Int. paid monthly

† Variable rates that may change after the account is open.
‡ Early withdrawal penalty may be imposed.
* Interest Paid Semi-Annually
** Interest Paid at Maturity
*** Interest Paid Monthly
****Annual Percentage Yield
Rate information last updated: 07/22/2008