SPECIAL RATES on CDs

Certificates of Deposit - Special Offers
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185 Day Promo (182da acct plan) - 2.71 rate / 2.75 yield ... effective May 27, 2008

13 M Promo (1YR acct plan) - 2.96 rate / 3.00 yield ........... effective May 27, 2008

26 M Promo (24MO acct plan) - 3.20 rate / 3.25 yield ........ effective May 27, 2008

38 M Promo (36MO acct plan) - 3.44 rate / 3.50 yield ........ effective May 27, 2008

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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