This disclosure contains information about terms, fees, and interest rates for some of the accounts we offer.

CERTIFICATE OF DEPOSIT.

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 12, 24, 36 or 60 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded daily and will be credited to the account at maturity.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $2500 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $2500 to open this account. After the account is opened, you may not make deposits to the account until the maturity date. On the maturity date you may deposit any amount desired.

Account Fees: None.

Time Account Information: Your account will mature in its full term. If you withdraw any of the principal before the maturity date we may impose a penalty of three (3) month's interest. The annual percentage yield assumes interest compounds daily and will remain on deposit until maturity. A withdrawal will reduce earnings. You will obtain an account with an automatic renewal feature. Your account will automatically renew at maturity. You will have 10 days after the maturity date to withdraw funds without penalty.

RATE CHART

Term	Interest Rate (%)	Annual Percentage Yield (%)
12 month*	1.85	1.87
12 month	3.10	3.15
24 month	3.50	3.56
36 month	4.05	4.13
60 month	4.50	4.60

* Featured Product

Rates valid as of 06/13/2003. For current rate information call (423) 949-2173.