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

SUPER NOW ACCOUNT.

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on 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 monthly.

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 $2,500.00 to open this account.

Account Fees: Monthly maintenance fee if the balance in the account drops below $2500.00 any day of the month...............$5.00.

RATE CHART

Account Name	Interest Rate	Annual Percentage Yield
SUPER NOW ACCOUNT
$10,000 & up	1.60%	1.61%
$2500 to $9999.99	1.50%	1.51%
$900 to $2499.99	1.25%	1.26%
Daily Balances of up to $899.99	0.01%	0.01%

Rates valid as of 04/15/2004. For current rate information call (423) 949-2173.