It PAYS to CHECK With Us 4 Great Accounts for YOU! We give you several options for earning interest while maintaining access to your funds. Choose the interest-bearing account that fits your lifestyle - Interest Checking - Higher balances earn higher interest rates - Heritage 50 Interest Checking - Great interest rates plus valuable benefits - Preferred Interest Checking - Like a Money Market ... with unlimited withdrawals. - Money Market Account - Premium rates ... up to six withdrawals per month All Accounts Feature FREE Online Banking & Bill Pay * E-Statements * Direct Deposit * Phone Banking * Debit/ATM Card Click Here For Incentives

Foxwoods & Newport - 6 days, 5 nights lodging including 3 consecutive nights in the Two Trees Inn at Foxwoods Resort - 8 meals: 5 breakfasts and 3 dinners - Visit inside a Mansion in Newport - Guided Tour of Newport - Visit to the Mohegan Sun Casino Resort - Sep 26 - Oct 1 Smoky Mountains "Show Trip" - 3 days, 2 nights lodging - 4 meals: 2 breakfasts and 2 dinners - Two Evening Shows: JOSEPH AND THE AMAZING TECHNICOLOR DREAMCOAT and BLACK BEAR JAMBOREE - Two Morning Shows: PATTY WASZAK MORNING SHOW, and THE BLACKWOOD BREAKFAST VARIETY SHOW - Free time in HISTORIC DOWNTOWN GATLINBURG - Dec 7 - Dec 9 Call Larry McSpadden at (423) 303-1745 to reserve your spot or for more details on these fun-filled Rockers trips. 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 October 3, 2008, FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor through December 31, 2013. 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, 2010, 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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