Important Information About
Changes in FDIC Insurance Coverage

On October 3, 2008 FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor through December 31, 2009. This increase has been extended through December 31, 2013. The standard insurance amount will return to $100,000 per depositor on January 1, 2014.

Temporary Liquidity Guarantee Program

Southern States Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through June 30, 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.