FIRST SOUTHERN BANK IS CURRENTLY IN THE PROCESS OF UPDATING THE DESIGN AND FUNCTIONALITY OF OUR WEBSITE.

In the near future, you will see some changes to the page layout and also some slight changes in our navigation options. We hope these changes will enhance your experience when using our Internet Banking services as we seek to better serve your financial needs.

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, money-market deposit accounts, and Interest on Lawyers Trust Accounts ("IOLTA's").

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

FDIC Electronic Deposit Insurance Estimator (EDIE)

To activate your new debit/ATM card, call 1-800-448-8268.

For lost or stolen debit card, call 1-800-264-5578.