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SHB Chosen for United Way Community Spirit Award Recognizing, companies who gave their unconditional support throughout the year in helping to rebuild and conduct the annual campaign, the United Way of Bradley County recognized Southern Heritage Bank as an inaugural winner of the Community Spirit Award. Newly-named United Way President and CEO Matt Ryerson stated, “United Way is about the people who serve within and is a philosophy of community commitment. A few community partners went above and beyond this year. For this reason, the select group is being honored in the inaugural presentations, and more will be recognized in years to come”. We are proud to serve our community and the United Way. 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 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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