First Southern Bank

Rate Information

March 3, 2010- Rates Subject To Change Without Prior Notice

Deposit Rates
Product	Minimum Balance To Open and Obtain APY	Interest Rate	APY****
NOW Accounts †	$1000.00	.25	.25

Premier MMDA †	$2,500-$4,999	.50	.50
(Tiered rate)	$5,000 - $9,999	.74	.75
	$10,000-$19,000	1.00	1.00
	$20,000 or more	1.24	1.25
Savings †	$25.00	.50	.50	Int. paid semi-annually
Christmas †	$10.00	1.00	1.01	Int. paid at maturity
Fortune 55 †	$100.00	.25	.25	Int. paid monthly
Anytime Savings †	$25.00	.50	.50	Int.paid semi-annually
CERTIFICATES

3 MONTHS ‡***	$500.00	1.1	1.1	Int. paid monthly
6 MONTHS ‡***	$500.00	1.34	1.35	Int. paid monthly
12 MONTHS ‡***	$500.00	1.49	1.50	Int. paid monthly
18 MONTHS ‡***	$500.00	1.84	1.85	Int. paid monthly
24 MONTHS ‡***	$500.00	1.98	2.00	Int. paid monthly
30 MONTHS ‡***	$500.00	2.23	2.25	Int. paid monthly
36 MONTHS ‡***	$500.00	2.23	2.25	Int. paid monthly
48 MONTHS ‡***	$500.00	2.48	2.50	Int. paid monthly
60 MONTHS ‡***	$500.00	2.48	2.50	Int. paid monthly
Liquid CD 9-month only †***	$5000.00	1.24	1.25	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: 03/09/2010