10th Anniversary Celebration To celebrate 10 great years of community banking, we have added a special 10th anniversary section to our web site. View a summary of our first 10 years in business, a timeline of our history, and photo galleries from the bank's beginning. The Safety of Community Banks Like Southern Heritage In this economic crisis, you can be assured of the safety of your money at Southern Heritage Bank. Southern Heritage Bank CEO Lee Stewart recently wrote a guest editorial outlining the differences between commercial and investment banks and explaining some myths you may have heard about the safety of community banks. Click here to read the guest editorial published in the Cleveland Daily Banner on 9/8/08. Saturday Hours The bank lobby is now closed on Saturday, however we are happy to schedule appointments for our customers on Saturday when needed. To schedule a Saturday appointment, contact one of our banking locations. SHB Cash Management Services Southern Heritage Bank knows that running a business is a 24/7 job. We offer secure, convenient and efficient E-Banking including: Online Banking & Bill Pay Remote Deposit Electronic Point of Sale / Merchant Services Electronic Payment / Receipts Contact Heather Elrod at 423-303-3640 or by email today to find out how Southern Heritage Bank’s variety of Cash Management services can help you have greater control of your company’s cash flow.

Upcoming Rockers Trips - August 24-28, Savannah, Jekyll Island & Beauford ($415 Double, $515 Single) - November 10-12, Biltmore Estates & Ashville, NC ($260 Double, $320 Single) For more information on these trips or to reserve your spot, contact Larry McSpadden at 303-1745. What Does Member FDIC Mean? During these difficult economic times, combined with troubling news from the banking industry, people are concerned about the safety of the money that they have deposited in their bank. Southern Heritage Bank is a member of the Federal Deposit Insurance Corporation (FDIC). If you have questions about how FDIC coverage affects your accounts with Southern Heritage or to ask us how you can increase your FDIC coverage, visit us or give us a call at 473-7980. For more information on the FDIC and to calculate your FDIC coverage, visit the FDIC's Electronic Deposit Insurance Estimator (EDIE). On October 3, 2008, FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor through December 31, 2009. All Non-Interest Bearing Transaction Account Deposits Fully Protected by the FDIC Southern Heritage Bank is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, through December 31, 2009, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.

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