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

REGULAR SAVINGS.

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 may change. At our discretion, we may change the interest rate on the account at any time. 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 quarterly. It the account is closed before interest is credited you will not receive the accrued interest.

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.

Limitations: You must deposit $100 to open this account.

Account Fees: The following fee applies to this account: WITHDRAWALS PER MONTH: $.50/OVER 5 WITHDRAWALS.

RATE CHART

Account Name	Interest Rate	Annual Percentage Yield
REGULAR SAVINGS
All Balances	1.00	1.01

Rates valid as of 03/06/2003. For current rate information call (423) 949-2173.