FDIC Temporary Liquidity Guarantee Program
Transaction Account Guarantee Program Disclosure

Southern Bank & Trust is participating in the FDIC’s Transaction Account Guarantee Program.  Under that program, through December 31, 2010, all non-interest 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. 

Notice to Customers with Transfer or Sweep Arrangements:  
If you have noninterest-bearing transaction accounts with a transfer or sweep arrangement to an interest-bearing transaction account or product, that transfer could decrease your FDIC deposit insurance coverage.