| <DIV align=center><STRONG><FONT size=4> |
| <TABLE border=0 cellPadding=2 cellSpacing=0 width=300> |
| |
| <TR> |
| <TD class=spanhd><B>Messages</B></TD></TR> |
| <TR> |
| <TD class=data> |
| <LI><FONT color=#003366><U>Your CD matures in one month!</U></FONT> |
| <LI><FONT color=#003366><U>Now Providing a Technology Mutual Fund</U></FONT> |
| <LI><FONT color=#003366><U>Children's Savings Account Program |
| Update</U></FONT> |
| <LI><FONT color=#003366><U>Small Business Program Offer</U></FONT> |
| <LI><FONT color=#003366><U>Financial Tip of the Day</U></FONT> |
| <LI><FONT color=#003366><U>Mortgage Rate Chart - See how we |
| compare!</U></FONT> |
| <LI><FONT color=#003366><U>Check out our 1-year and 6-month CD |
| rates</U></FONT> |
| <LI><FONT color=#003366><U>Auto Insurance Rates Lowered</U></FONT> |
| <BR> </LI></TD></TR></TABLE></FONT></STRONG></DIV> |
