NOTICE * * * * *

NOTICE * * * * * Notice is hereby given that First Southern Bank, Waycross, Georgia ("FSB"), has filed a Bank Merger Act application (the "Application") with the Atlanta Regional Office of the Federal Deposit Insurance Corporation ("FDIC") for approval to transfer substantially all of the assets and liabilities of FSB to Community First Credit Union of Florida, Jacksonville, Florida ("Community First"). It is contemplated that all the offices of the above-named institutions will be operated as Community First offices following the consummation of the proposed transaction. The Georgia Department of Banking and Finance (the "Department"), the home-state regulator of FSB, was also provided a copy of the Application. Any person wishing to comment on the Application may file his or her comments in writing with the Regional Director of the FDIC at its Atlanta Regional Office, 10 10th Street NE, Suite 900, Atlanta, Georgia 30309-3849, not later than January 23, 2026. The non-confidential portions of the Application are on file at the FDIC's Atlanta Regional Office and are available for public inspection during regular business hours. Photocopies of the non-confidential portion of the application file will be made available upon request. Any person wishing to comment on the application filed with the Department may do so by filing written notice with the Department of Banking and Finance, 2990 Brandywine Road, Suite 200, Atlanta, Georgia 30341-5565 or via email to dbfcorp@dbf.state.ga.us, not later than January 23, 2026. Nonconfidential portions of the application filed with the Department are available for review if a formal request is submitted to the Department. Costs associated with reproduction of records and formal hearings shall be borne by those persons requesting such information or hearings. December 24, January 7, 21 2026 LSAR0428344