First Security Group, Inc.

First Security was incorporated in 1999 as a Tennessee corporation to serve as a bank holding company, and is regulated and supervised by the Board of Governors of the Federal Reserve System. First Security conducts all of its business activities through its wholly-owned subsidiary, FSGBank, National Association, a national banking association regulated and supervised by the Office of the Comptroller of the Currency. First Security serves the banking and financial needs of the various communities located along the interstate corridors of middle and East Tennessee and Northwest Georgia. These interstate communities are primarily served by branches of large regional and national financial institutions headquartered outside of the area. As a result, we believe these markets need, and are best served by, a locally-owned and operated financial institution managed by people in and from the communities served. We offer personalized and flexible banking services to the communities in our market area and are able to react quickly to changes in those communities, in part by maintaining local advisory boards. In Dalton, Georgia, FSGBank operates under the name of Dalton Whitfield Bank; along the Interstate 40 corridor in Tennessee, FSGBank operates under the name of Jackson Bank & Trust. FSGBank provides retail and commercial banking services, trust and investment management, mortgage banking, financial planning, internet banking, and equipment leasing through its wholly-owned subsidiaries, Kenesaw Leasing and J&S Leasing.