Basic Insurance.
As of July 21, 2010, the standard maximum deposit insurance provided by the FDIC has been permanently increased to $250,000 per depositor, per insured depository institution for each account ownership category. For more information on FDIC insurance, visit www.FDIC.gov.

NOTICES 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 also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.

Accounts with transfer agreements (sweep arrangements) in connection with non-interest earning First Southern Bank checking accounts, where funds are transferred to an interest-earning account, any funds transferred or swept into the interest earning account will not be fully guaranteed under the Dodd-Frank Act. However, the funds that are transferred or swept into the interest earning account will continue to be insured for up to $250,000 under the FDIC's general deposit insurance rules.

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

Emergency Economic Stabilization Act of 2008