5.20% Interest
Through November 30, 2002

Savings Plans, IRA's and CD Rollovers

Tax Deferred Interest
Avoids Probate Court
Avoids 20% Federal withholdings on Pension Rollovers

AAA Standard & Poor's Highest Rating
A++ A.M. Best's Highest Rating

Joseph P. Garvey (781) 754-0077

Email joegarvey@attbi.com