Home Equity Line of Credit Options It's Your Choice! Most homeowners know that when they need to borrow money to improve their home, pay for educational expenses or perhaps take a long overdue vacation, a Home Equity loan is probably the best option. With rates low, now is the perfect time to let Southern Heritage Bank help you flex your financial muscles! We currently have Home Equity Line of Credit options that allow you to fix your rate and term for three or five years, or enjoy the flexibility of a variable rate for ten years. New Home Equity Lines of Credit of at least $25,000 are eligible for a $150 BONUS with an initial draw of $10,000 or more. Click here for information. Then call 423-473-7980 to speak with a member of our lending team! Follow us on Facebook! We are on Facebook! Visit us for updates and photos from community events ... don’t forget to "Like" us! And please say 'Hello' in person when you see us in the bank and at community events!

Thanks For Your Help with the "Cleveland Helping Cleveland" Food Drive Thank you for your donations to the "Cleveland Helping Cleveland" Food Drive. This annual event helps replenish the food pantries to several United Way of Bradley County agencies. Thanks also to the companies involved: Bender Realty, Bradley County Sheriff’s Department, Cleveland Fire Department, Cleveland Family YMCA, Cleveland Utilities, Eaton Electrical, Manufacturers Chemicals, and Peyton’s Southeastern. Schools conducting food drives to help with this event include: E. L. Ross Elementary School, Hopewell Elementary School, Michigan Avenue Elementary School, North Lee Elementary School, Park View Elementary School, Walker Valley High School and Waterville Elementary School. 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. 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. 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 July 21, 2010, FDIC deposit insurance permanently increased to $250,000 per depositor. 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 also includes Interest on Lawyers Trust Accounts (“IOLTA’s"). 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. For more information about temporary FDIC Insurance coverage of transaction accounts, visit www.fdic.gov.

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