SPECIAL RATES on CDs

Certificates of Deposit - Special Offers
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185 Day Promo (182da acct plan) - 0.99 rate / 1.00 yield ... effective September 21, 2009

13 M Promo (1YR acct plan) - 1.24 rate /1.25 yield ........... effective September 21, 2009

26 M Promo (24MO acct plan) - 1.73 rate / 1.75 yield ........ effective October 7, 2009

Each of these CDs require minimum $1,000 opening deposits, up to a maximum $300,000 in deposits.

Availability is restricted to personal and business households (including churches). No municipality/public funds are allowed for deposit into either of these CD products.Available only to current Southern Bank checking/DDA account customers.

*Annual Percentage Yield (APY) is based on a 365-day year or 366-day year in a leap year. Rates are subject to change on a daily basis without notice. Please contact your local Southern Bank branch for our most recent rates.

*A penalty may be imposed for early withdrawal.
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