Disclosures

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PLATINUM CHECKING ACCOUNT

Fees:
A fee of $7.00 will be charged each month.

FREE CHECKING ACCOUNT

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INTEREST CHECKING ACCOUNT

Rate Information -Your interest rate and annual percentage yield may change.

Frequency of rate changes -We may change the interest rate on your account at any time.

Determination of rate -At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency -Interest will be compounded every month. Interest will be credited to your account every month.

Minimum opening deposit -You must deposit $50.00 to open this account

Minimum balance to avoid imposition of fees -A service charge fee of $7.50 will be imposed every statement cycle if the balance in the account falls below $750.00 any day of the cycle.

Average daily balance computation method -We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.

Accrual of interest on noncash deposits -Interest begins to accrue on the business day you deposit noncash items (for example, checks).

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BONUS BANKING OPTION

Fees: a fee of $5.00 will be charged each month.

PLATINUM SELECT CHECKING ACCOUNT (not offered after July 1, 2004)

No minimum balance is required. You must deposit $50.00 to open this account.

Fees: a fee of $9.50 will be charged each month.

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MONEY MARKET SELECT

Rate Information -Your interest rate and annual percentage yield may change.

Frequency of rate changes -We may change the interest rate on your account at any time.

Determination of rate -At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency -Interest will be compounded every month. Interest will be credited to your account every month.

Minimum opening deposit -You must deposit $2,500.00 to open this account.

Minimum balance to avoid imposition of fees -A service charge fee of $5.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the cycle.

Average daily balance computation method -We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.

Accrual of interest on noncash deposits -Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Transaction limitations:
Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle with no more than three by check, draft, or similar order to third parties.

Fees:
An excess item fee of $10.00 will be charged for each debit transaction in excess of six during a statement cycle.

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PREMIUM MONEY MARKET

Rate Information -Your interest rate and annual percentage yield may change.

Frequency of rate changes -We may change the interest rate on your account at any time.

Determination of rate -At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency -Interest will be compounded every month. Interest will be credited to your account every month.

Minimum opening deposit -You must deposit $25,000.00 to open this account.

Minimum balance to avoid imposition of fees -A service charge fee of $5.00 will be imposed every statement cycle if the balance in the account falls below $25,000.00 any day of the cycle.

Average daily balance computation method -We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.

Accrual of interest on noncash deposits -Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Transaction limitations:
Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle with no more than three by check, draft, or similar order to third parties.

Fees:
An excess item fee of $10.00 will be charged for each debit transaction in excess of six during a statement cycle.

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STATEMENT SAVINGS ACCOUNT

Rate Information -Your interest rate and annual percentage yield may change. Frequency of rate changes. We may change the interest rate on your account at any time.

Determination of rate -At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency -Interest will be compounded every day. Interest will be credited to your account every quarter.

Minimum balance to open the account -You must deposit $25.00 to open this account.

Minimum balance to avoid imposition of fees -A service charge fee of $3.00 will be imposed every statement cycle if the balance in the account falls below $100.00 any day of the cycle.

Average daily balance computation method -We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the quarterly statement cycle.

Accrual of interest on noncash deposits -Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Transaction limitations:
Transfers from a Statement Savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month with no transfers by check, draft, debit card, or similar order to third parties.

Fees:
An activity fee of $1.00 will be charged for each debit transaction in excess of 15 during a quarter. This fee will apply if the quarterly average balance falls below $2,500.00.

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HOLIDAY CLUB ACCOUNT (Coupon or AFT)

Rate Information -Your interest rate and annual percentage yield may change. Frequency of rate changes -We may change the interest rate on your account at any time.

Determination of rate -At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency -Interest will be compounded daily. Interest will be credited to your account at maturity.

Effect of closing an account -If you close your account before interest is credited, you will not receive the accrued interest.

Minimum opening deposit -You must deposit $5.00 to open this account.

Average daily balance computation method -We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the term of the account.

Accrual of interest on noncash deposits -Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Transaction limitations:
If any withdrawals are made from this account before maturity then this account may be closed.

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91 TO 364 DAY CERTIFICATE OF DEPOSIT

Crediting frequency -Interest will be credited to your account at maturity. Alternatively, if your opening deposit is $10,000.00 or more, you may choose to have interest paid to you by check or transferred to another account monthly or quarterly rather than credited to this account.

Minimum balance to open the account -You must deposit $2,500.00 to open this account.

Daily balance computation method -We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits -Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Transaction limitations:
You may not make any deposits into your account before maturity.
You may make withdrawals of principal from your account before maturity. You can only withdraw interest before maturity if your opening deposit is $10,000.00 or more and you have made arrangements with us for periodic payments of interest in lieu of crediting.

Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) -

The fee we may impose will equal 91 days interest on the amount withdrawn subject to penalty.

In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA or other tax qualified plan.

Withdrawal of interest prior to maturity -The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Automatically renewable time account -This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within any grace period mentioned below) or we receive written notice from you within any grace period mentioned below. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, interest will not accrue after final maturity.

Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit.

You will have ten calendar days after maturity to withdraw the funds without a penalty.

Non-automatically renewable time account -This account will not automatically renew at maturity. If you do not renew the account, interest will not accrue after maturity.

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12 TO 35 MONTH CERTIFICATE OF DEPOSIT

Compounding frequency -Unless otherwise paid, interest will be compounded semi-annually.

Crediting frequency -Interest will be credited to your account semi- annually. Alternatively, if your opening deposit is $10,000.00 or more, you may choose to have interest paid to you by check or transferred to another account monthly or quarterly rather than credited to this account.

Minimum balance to open the account -You must deposit $500.00 to open this account.

Daily balance computation method -We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of Interest on noncash deposits -Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Transaction limitations:
You may not make any deposits into your account before maturity.
You may make withdrawals of principal from your account before maturity.
You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest only on the crediting dates.
This interest withdrawal limitation does not apply if your opening deposit is $10,000.00 or more and you have made arrangements to have interest paid to you or to another account in lieu of having it credited to this account.

Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) -

The fee we may impose will equal 182 days interest on the amount withdrawn subject to penalty.

In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the eal1y withdrawal penalty. See your plan disclosure if this account is par1 of an IRA or other tax qualified plan.

Withdrawal of interest prior to maturity -The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Automatically renewable time account -This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within any grace period mentioned below) or we receive written notice from you within any grace period mentioned below. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, interest will not accrue after final maturity.

Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit.

You will have ten calendar days after maturity to withdraw the funds without a penalty.

Non-automatically renewable time account -This account will not automatically renew at maturity. If you do not renew the account, interest will not accrue after maturity.

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36 TO 120 MONTH CERTIFICATE OF DEPOSIT

Compounding frequency -Interest will be compounded every day.

Crediting frequency -Interest will be credited to your account semiannually. Alternatively, if your opening deposit is $10,000.00 or more, you may choose to have interest paid to you by check or transferred to another account monthly or quar1el1y rather than credited to this account.

Minimum balance to open the account -You must deposit $500.00 to open this account.

Daily balance computation method -We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits -Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Transaction limitations:
You may not make any deposits into your account before maturity.
You may make withdrawals of principal from your account before maturity.
You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest only on the crediting dates.
This interest withdrawal limitation does not apply if your opening deposit is $10,000.00 or more and you have made arrangements to have interest paid to you or to another account in lieu of having it credited to this account.

Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) -

The fee we may impose will equal 182 days interest on the amount withdrawn subject to penalty.

In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA or other tax qualified plan.

Withdrawal of interest prior to maturity -The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Automatically renewable time account -This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within any grace period mentioned below) or we receive written notice from you within any grace period mentioned below. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, interest will not accrue after final maturity.

Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit.

You will have ten calendar days after maturity to withdraw the funds without a penalty.

Non-automatically renewable time account -This account will not automatically renew at maturity. If you do not renew the account, interest will not accrue after maturity.

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18 MONTH VARIABLE RATE IRA

Frequency of rate changes -We may change the interest rate on your account at any time.

Determination of rate - At our discretion, we may change the interest rate on your account.

Compounding frequency -Interest will be compounded every day. Crediting frequency -Interest will be credited to your account semiannually.

Minimum balance to open the account -You must deposit $500.00 to open this account.

Daily balance computation method -We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits -Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Transaction limitations:
The minimum amount you can deposit is $100.00.
You may make withdrawals of principal from your account before maturity.
You can only withdraw interest at maturity without penalty.

Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) -

The fee we may impose will equal 182 days interest on the amount withdrawn subject to penalty.

In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA or other tax qualified plan.

For any time deposit which earns an interest rate that may vary from time to time during the term, the interest rate we will use to calculate this early withdrawal penalty will be the interest rate in effect at the time of the withdrawal.

Automatically renewable time account -This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within any grace period mentioned below) or we receive written notice from you within any grace period mentioned below. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, interest will not accrue after final maturity.

Each renewal term will be the same as the original term, beginning on the maturity date. Interest will be calculated on the same basis as during the original term.

You will have ten calendar days after maturity to withdraw the funds without a penalty.

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Funds Availability Notice

Our policy is to make funds from your deposit accounts available to you on the first business day after the day we receive the deposit. Electronic transfers will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written.

Please remember that even after we have made funds available to you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before 4:00 pm Monday through Friday on a business day we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after this cut-off time or on a day that we are not open, we will consider that the deposit was made on the next business day we are open.

LONGER DELAYS MAY APPLY

In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the fifth business day after the day of your deposit. However, the first $100 of your deposits will be available on the first business day after we receive your deposit.

If we are not going to make all of the funds from your deposit available on the first business day after we receive your deposit, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you notice by the day after we receive your deposit.

If you need the funds from a deposit right ways, you should ask when the funds will be available.

In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:

We believe a check you deposit will not be paid.
You deposit checks totaling more than $5,000 on any one day.

You redeposit a check that has been returned unpaid.

You have overdrawn your account repeatedly in the last six months.

There is an emergency, such as a failure of communication or computer equipment.

We will notify you if we delay your ability to withdraw funds for any reason. We will notify you when the funds will be available. They will be available no later than the eleventh business day after the day of deposit.

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