Exhibit 21 FIRST COMMUNITY FINANCIAL
GROUP, INC.Subsidiaries Owned at December 31, 2000   Name of Subsidiary
  Trade
  Name
  State
  of IncorporationFirst Community Bank of Washington
  Same
  WashingtonFCB Financial Services, Inc.
  Same
  Washington
  MARKETING AND SERVICE
AGREEMENT
ADVANCE AMERICA

This Marketing and Servicing Agreement
(this Agreement) is dated as of November 1, 2000 between First Community Bank
of Washington, a bank organized under the laws of the State of Washington and a
FDIC insured institution (the Bank), and Advance America, Cash Advance
Centers of Alabama, Inc., a Delaware corporation (Advance America).

WHEREAS,
the Bank is a bank organized under the laws of the State of Washington with its
principal location in Lacey, Washington, and insured by the Federal Deposit
Insurance Corporation (the FDIC), and as such, is authorized to extend credit
to borrowers, subject to the federal and Washington financial institution and
credit regulations in effect and as applicable;

WHEREAS,
Advance America is a duly authorized and validly existing Delaware corporation,
authorized to do business in Alabama;

WHEREAS,
in accordance with its established lending criteria as may be amended from time
to time, the Bank desires to make short-term small loans (Loans) to consumers
(Borrowers); and

WHEREAS,
Advance America desires to market and service the Loans, while retaining
authority and control over, and responsibility for, its own employees and
methods of operation;

NOW,
THEREFORE, in consideration of the foregoing and of the mutual promises
contained in this Agreement, and other valuable consideration, the sufficiency
of which is hereby acknowledged, and intending to be legally bound, the Bank
and Advance America (together, the Parties) agree as follows:

1.       Banks
Making and Ownership of Loans

a)       The
Bank in its sole discretion shall determine all of the conditions, terms and
features of the Loans, including, without limitation, loan amounts, fees and
charges, interest rates, credit limits, credit standards and all other terms
and conditions of the Loans.  The Bank
shall make Loans to all Applicants (as that term is defined in Section 2(a)
below) who meet such credit standards. 
Neither the Bank, nor Advance America, nor their respective employees
shall suggest to Applicants that Loans are made or approved by Advance America
or that Advance America (or any employee of Advance America) can improve an
Applicants prospect of obtaining a Loan.

(b)      Advance
America shall not in any way fund, or purchase any share or participation
interest in, any Loan.

(c)      The
Bank may sell any portion of any Loan to a third party or parties.  Any sale by the Bank of any such Loan shall
comply with applicable federal law.

2.       Advance
Americas Services

(a)      General
Duties of Advance America; Standards of Performance:
Advance America shall perform all services required to market and service the
Loans, including without limitation the establishment of retail stores where
Loan applicants (Applicants) may submit Loan applications (Applications)
and receive disclosures required by applicable law and where Borrowers may
execute and deliver Loan documentation and repay Loans.  In performing its services hereunder, Advance
America shall at all times and in all material respects comply with applicable
law.  Further, Advance America shall use
the documentation and follow the reasonable and lawful practices, policies and
procedures established by the Bank and communicated in writing to Advance
America from time to time (the Bank Policies).


(b)      Marketing
of Loans: (i)     
  The
Bank hereby authorizes Advance America to market and service Loans and to use
the name, and any trade name and logo, of the Bank in connection with such
marketing and servicing.  Advance
America may use letters, print advertisements, the Internet and television and
radio commercials for such purposes. 
All advertising and promotions for the Loans shall appropriately
identify the Bank as the lender. 
Advance America shall submit all advertising materials to the Bank for
the Banks prior approval, which shall not be unreasonably withheld. (ii)     
 Advance
America shall maintain and operate stores for the purpose of marketing and
servicing the Loans. (iii)    
In
connection with Advance Americas performance of its obligations under this
Agreement, it is expressly agreed that (A) the Bank shall not hold any
ownership or leasehold interest in any Advance America store or any personal
property located therein, except for Repayment Checks, Notes (as those terms
are defined in Section 2(c) below), and cash reflecting Loan repayments as may
be located at such stores from time to time, (B) no Bank employees shall work
in any Advance America store, except as provided in Section 2(f), and (C) the
Bank shall exercise no authority or control over Advance Americas employees or
methods of operation, except as set forth in this Agreement. (c)      Servicing
of Loan Applications: (i)     
  Advance
America employees shall take Applications from Applicants, using an Application
form approved by the Bank.  Advance
America shall not discourage any prospective Applicant from submitting an
Application, and shall provide reasonable assistance to each prospective
Applicant in completing an Application. 
Without limiting the generality of the foregoing, Advance America shall
not discriminate against any Applicant in the credit application process on any
prohibited basis, as such term is defined in the federal Equal Credit
Opportunity Act (ECOA) and Regulation B. 
Advance America shall forward all completed Applications to the Bank (or
its designated loan processing agent) electronically, by telephone, or by other
appropriate means agreeable to both Parties. (ii)      Based
upon the information provided by Applicants to the Bank through Advance America
and such other credit-related information as obtained by Advance America at the
direction of the Bank, and pursuant to the credit granting standards adopted by
the Bank, the Bank shall be solely responsible for determining whether to
extend credit to Applicants.  The Bank
shall, either itself or through its designated loan processing agent,
communicate to Advance America its credit decision on any Application, together
with the reason for any negative credit decision, electronically, by telephone
or by other means acceptable to both Parties. 
Advance America shall provide an appropriately completed adverse action
notice to any Applicant whose Application is rejected by the Bank. (iii)    
The
Banks Loans hereunder shall be evidenced by an Agreement comprised of a
Consumer Loan Agreement and Federal Truth in Lending Disclosures (Note).  The Note shall include an Arbitration
Agreement.  The Note shall be electronically
signed by an officer of the Bank in the Banks name. (iv)     For
each Loan to a Borrower, Advance America shall: (A) have the Borrower sign the
Note; (B) deliver a copy of the Note to the Borrower; (C) obtain from the
Borrower the executed Note, and the Borrowers signed, postdated personal check
made payable to the Bank (the Repayment Check), which Repayment Check shall
be for the Total of Payments set forth in the Agreement; and (D) upon receipt
(and only upon receipt) of the signed Note and Repayment Check, deliver to the
Borrower a check, electronically signed by an officer of the Bank in the Banks
name for the Amount Financed set forth on the Note (the Proceeds Check).  Pursuant to Washington state law and in
accordance with the policy of the Bank, Advance America will not allow any
Borrower to roll-over a Loan made pursuant to this Agreement.


(d)      Monitoring,
Inventorying and Auditing of Proceeds Checks:
As part of its servicing of the Loans, Advance America shall monitor and
inventory the Proceeds Checks, ensuring that all Proceeds Checks are issued as
the result of Applications approved by the Bank and are given to Borrowers for
Loans. (e)      Additional
Servicing: Advance America shall perform all
necessary servicing functions with respect to the Loans.  Without limiting the foregoing: (i)       Advance
America shall use its reasonable best efforts to collect payments on the Loans
prior to, at and after maturity thereof. 
In collecting payments owed under the Notes, Advance America shall
comply in all material respects with applicable law, including without limitation
the Fair Debt Collection Practices Act (the FDCPA) and applicable debt
collection regulations and consumer protection laws applicable to Advance
America in the State or States in which Advance America is marketing and
servicing the loans, and the Best Practices of the Community Financial Services
Association of America.  Advance America
shall not encourage or allow its employees to threaten or imply that failure to
honor any payment instrument in connection with any Loan shall subject the
Borrower to potential criminal prosecution that Advance America does not
reasonably believe will in fact result from such failure.   The Bank has established a standard to
monitor the effectiveness of the collection efforts of Advance America. Bank
requires that loan losses to the Bank on the Loans shall be eight percent (8%)
or less of the amount of the finance charge on the Loans, as the finance charge
is disclosed in the federal Truth in Lending box contained in the Notes (Loss
Rate Standard).  Advance America agrees
to meet the Loss Rate Standard in its collections.  If Advance Americas collection efforts do not meet this Loss
Rate Standard established by the Bank, the Fees (as that term is defined in
Section 2(g) below) to be paid Advance America will be reduced by the dollar
amount that the loan losses exceed the Loss Rate Standard.  The Fees will be adjusted in accordance with
this Section on a quarterly basis based on the calendar year to date loss
experience. (ii)     
 On
each day Advance America operates its stores for regular business, Advance
America shall deposit in a Bank account designated by the Bank (the Bank
Deposit Account) all cash receipts for that day and all Repayment Checks
required to be deposited on that day. 
Advance America shall reconcile the Bank Deposit Account on a monthly
basis. (iii)     Advance
America shall maintain and retain all original Applications and copies of all
Adverse Action Notices and other documents relating to rejected Applications
for the period required by applicable law. 
Advance America shall maintain originals or copies, as applicable, of
all Applications, Notes, Proceeds Checks, Repayment Checks and other documents
provided to or received from Borrowers (all such documents referred to
collectively as Loan Documents) for the period required by applicable
law.  Prior to repayment or charge-off
of a Loan, the Loan Documents shall be maintained by Advance America in a
secure environment.  Advance America
will work with the Banks designated loan processing agent to ensure that Bank
is provided timely information concerning the basis for each Adverse Action
Notice relating to a rejected Application. (f)       Reports:
Access to Stores, Books and Records and Employees:
During the term of this Agreement, Advance America shall provide to the Bank
data submissions and reports reasonably required by the Bank and its advisors
in order to maintain effective internal controls and to monitor results under
this Agreement, including without limitation the performance of the Loans and Advance
America obligations hereunder.  Such
reports shall include a daily report showing Loans made, repaid and outstanding
each day, as agreed upon by the Bank and Advance America.  During the term of this Agreement and at all
times thereafter, the Bank and banking agencies with regulatory authority over
the Bank and its auditors shall have reasonable access to Advance America
stores and to the books and records of Advance America and the officers,
employees and accountants of Advance America for the same purposes.


(g)      Fee
and Costs; Number of Locations (i)       In
consideration for Advance Americas performance of its obligations under this
Agreement, the Bank shall pay Advance America the marketing and servicing fees
set forth on Exhibit A attached hereto (the Fees).  Advance America will be responsible for all costs associated with
its stores and its services under this Agreement, including without limitation
rental and occupancy costs; costs of up-fit and leasehold improvements;
equipment costs; processing costs; printing costs; maintenance costs; staffing
costs; taxes assessed to Advance America; signage costs; and advertising costs. (ii)     The
Parties agree that Advance America may service and market the Loans for the
Bank pursuant to this Agreement in forty-four (44) locations in the State of
Alabama.  Advance America agrees that it
shall give thirty days written notice to the Bank if it intends to open any
additional locations in Alabama and will give the Bank the right of first
refusal to offer the Loans in any such new location. If the Bank does not wish
to offer Loans in any new location, Advance America may market and service
Loans for another federally insured financial institution in that new location
or do business in some other lawful manner. 3.       Representations
and Warranties (a)      The
Bank hereby represents and warrants to Advance America, as of the date hereof
and on a continuing basis throughout the term of this Agreement, that: (i)       The
Bank is a duly organized and validly existing state bank organized under the
laws of the State of Washington, with its headquarters office located in Lacey,
Washington.  The Bank is insured by the
FDIC, and has the power and authority and all requisite licenses, permits and
authorizations to execute and deliver this Agreement and perform hereunder. (ii)      The
Bank is authorized to make Loans as contemplated by this Agreement and to
contract with a third party to provide the services which Advance America will
provide under this Marketing and Servicing Agreement. (iii)     The
Bank is authorized under applicable law to contract with a third party to
provide loan processing services not covered by this Marketing and Servicing
Agreement, and transmission by and between Advance America and such third party
of information required for processing the Loans does not violate Washington
state law or federal law. (iv)    The
Bank is authorized under applicable law to sell participation interest(s) in
the Loans, or to sell the Loans to a third party or third parties prior to the
maturity date on such Loans. (v)      This
Agreement has been duly authorized by the Banks Board of Directors, executed
and delivered by the Bank and constitutes the legal, valid and binding
agreement of the Bank, enforceable against the Bank in accordance with its
terms, except as enforceability may be limited by bankruptcy, insolvency,
reorganization or other laws affecting creditors rights and remedies generally
and by general principles of equity (regardless of whether such enforceability is
considered in a proceeding in equity or at law). (vi)     The
execution, delivery and performance of this Agreement and the consummation of
the transactions contemplated hereby will not (A) violate or conflict with any
provision of the articles of incorporation or other governance documents of the
Bank; or (B) violate or conflict with, constitute a breach of or default under,
result in the loss of any material benefit under, or permit the acceleration of
or entitle any party to accelerate any obligation under or pursuant to, any
material mortgage, lien, lease, agreement, instrument, order, law, arbitration
award, judgment or decree to which the Bank is a party or by which the Bank or
any of its assets may be bound.


(b)      Advance
America hereby represents and warrants to the Bank, as of the date hereof and
on a continuing basis throughout the term of this Agreement, that: (i)       Advance
America is duly organized and validly existing, and licensed to do business as
a corporation under the laws of the State of Delaware, and is duly qualified to
do business as contemplated under this Agreement, and in good standing in,
Alabama. (ii)      Advance
America has the corporate power and authority, and all
requisite licenses, permits and authorizations, to execute and deliver the
Agreement and to perform their duties hereunder.  This Agreement has been duly authorized by Advance Americas
Board of Directors, executed and delivered by it and constitutes its legal,
valid and binding agreements, enforceable against them in accordance with their
terms, except as enforceability may be limited by bankruptcy, insolvency,
reorganization or other laws affecting creditors rights and remedies generally
and by general principles of equity (regardless of whether such enforceability
is considered in a proceeding in equity or at law). (iii)     The
execution, delivery and performance of this Agreement will
not (A) violate or conflict with any provision of the articles of organization,
operating agreement or other governance documents of Advance America; or (B)
violate or conflict with, constitute a breach of or default under, result in
the loss of any material benefit under, or permit the acceleration of or
entitle any party to accelerate any obligation under or pursuant to, any
material mortgage, lien, lease, agreement, instrument, order, law, arbitration
award, judgement or decree to which Advance America is a party or by which
Advance America assets may be bound. (iv)     Advance
America will market and service the
Loans in accordance with this Agreement and in accordance with the policies and
procedures established and approved by the Bank pursuant to this Agreement. (v)      Advance
America will operate its stores in Alabama in accordance with
this Agreement and will follow its normal operating procedures in operating
these stores including providing adequate security measures, hiring appropriate
employees, and being open for business during its normal business operating
hours. (vi)     There
are no regulatory actions, investigations, or lawsuits against Advance
America or its affiliates relating to the marketing and servicing of Loans. (vii)    To the best of
its knowledge, Advance
America represents that written information and financial statements provided
to the Bank in contemplation of this Agreement did not contain any material
omissions of fact and were materially correct. 4.       Indemnification

(a)      Except
as to Losses for which Advance America is indemnified by the Bank as set forth
in Section 4(b), Advance America hereby indemnifies and agrees to hold harmless
the Bank, its affiliates and the officers, directors, members, employees,
representatives, shareholders, agents and attorneys of such entities (the Bank
Indemnified Parties) against any and all claims, losses, liabilities, damages,
penalties, demands, judgments, settlements, costs and expenses (Losses)
suffered or incurred by such Bank Indemnified Parties as a result of, or with
respect to, or arising from (i) any breach by Advance America of any
Representation, Warranty or covenant contained herein, or any negligence or
misconduct by Advance America or its employees; (ii) any burglary, robbery,
fraud, or theft at the Advance America locations marketing and servicing the
Loans; (iii) any claim or allegation made by or on behalf of any Applicant or
Borrower arising from or relating to the Loans in which Bank is named a party
and that asserts that Advance America has acted in violation of the law; or
(iv) for a period of one year  from the
date of this Agreement, any claim or allegation made by or on behalf of any
Applicant or Borrower arising from or relating to the Loans, including actions
brought during that time on behalf of any Applicant or Borrower by any
regulatory or governmental authority or agency.   Notwithstanding the foregoing, there shall be no indemnification
under this Agreement for: (A) Losses caused by the Banks breach of this
Agreement (including but not limited to the breach by the Bank of any
Representation,  Warranty, or covenant
contained herein); (B) Losses caused by the burglary, robbery, fraud, theft,
negligence or misconduct of the Bank or its employees; (C) Losses resulting
from any claim, investigation or allegation made by any regulatory or
governmental authority or agency arising from or relating to the Loans except
as set forth in item (iv) above; (D) Except for the indemnification set forth
in item (iv) above, Losses arising from the settlement of any claim, or a
judgment or ruling by a court, arbitrator or regulatory authority on such
claim, that the Bank has violated state or federal usury laws, state or federal
consumer protection laws, state or federal racketeering laws (including the
federal Racketeering Influenced and Corrupt Organizations Act), or federal
Truth in Lending laws, or is liable for fraud or unconscionability; (E) the
loss of the Banks Washington bank charter, or the loss of any license or
permit required by the Bank to transact business as a federally insured
financial institution; (F) claims that any Bank Indemnified Party is in violation
of federal or state securities or corporate laws; (G) claims brought by
employees or shareholders of any Bank Indemnified Party; (H) a decline in the
value of the stock of any Bank Indemnified Party; (I) adverse publicity or
customer relations problems encountered by any Bank Indemnified Party; (J)
non-monetary sanctions by any court or regulatory agency; (K) loss of non-Loan
related business or profits of any Bank Indemnified Party; (L) management time
relating to attending hearings and meetings with respect to indemnified
matters; or (M) any action by Advance America against Bank.

(b)      Except
as to Losses for which Bank is indemnified by Advance America as set forth in
Section 4(a), the Bank hereby indemnifies and agrees to hold harmless Advance America,its affiliates, and the officers, directors, members, employees,
representatives, shareholders, agents and attorneys of Advance America and its
affiliates (the Advance America Indemnified Parties) against any and all
Losses suffered or incurred by such Advance America Indemnified Parties as a
result of, or with respect to, or arising from (i) any breach of this Agreement
by the Bank (including, but not limited to the breach by the Bank of any
Representation, Warranty, or covenant contained herein), (ii) any burglary,
robbery, fraud, theft, negligence or misconduct by the Bank or its employees,
or (iii) any error or omission in the information or services rendered by any
other third party with whom the Bank contracts to provide services not covered
by this Agreement, including loan processing services.  Notwithstanding the foregoing, there shall
be no indemnification under this Agreement for: (A) Losses caused by Advance
Americas breach of this Agreement (including but not limited to the breach by Advance
America of any Representation, Warranty, or covenant contained herein); (B)
Losses caused  by burglary, robbery,
fraud, or theft at the Advance America locations marketing and servicing the
Loans by persons other than the Bank or its employees; (C) negligence or
misconduct of Advance America or its employees; (D) Losses resulting from any
claim, investigation or allegation made by any regulatory or governmental
authority or agency arising from or relating to the Loans; (E) Losses arising
from the settlement of any claim, or a judgment or ruling by a court,
arbitrator or regulatory authority on such claim, that Advance America has
violated state or federal usury laws, state or federal consumer protection
laws, state or federal racketeering laws (including the federal Racketeering
Influenced and Corrupt Organizations Act), or federal Truth in Lending laws, or
is liable for fraud or unconscionability; (F) claims that any Advance America
Indemnified Party is in violation of federal or state securities or corporate
laws; (G) claims brought by employees or shareholders of any Advance America
Indemnified Party; (H) a decline in the value of the stock of any Advance
America Indemnified Party; (I) adverse publicity or customer relations problems
encountered by any Advance America Indemnified Party; (J) non-monetary
sanctions by any court or regulatory agency; (K) loss of non-Loan related
business or profits of any Advance America Indemnified Party; (L) management
time relating to attending hearings and meetings with respect to indemnified
matters; or (M) any action by the Bank against Advance America.

(c)      The
Bank Indemnified Parties and the Advance America Indemnified Parties are
sometimes referred to herein as the Indemnified Parties and Advance America
or the Bank, as indemnitor hereunder, is sometimes referred to herein as the
Indemnifying Party.

(d)      Any
Indemnified Party seeking indemnification hereunder shall promptly notify the
Indemnifying Party, in writing, of any indemnified Loss hereunder, specifying
in reasonable detail the nature of the Loss, and, if known, the amount, or an
estimate of the amount, of the Loss, provided that failure to promptly give
such notice shall only limit the liability of the Indemnifying Party to the
extent of the actual prejudice, if any, suffered by such Indemnifying Party as
a result of such failure.  The
Indemnified Party shall provide to the Indemnifying Party as promptly as
practicable thereafter information and documentation reasonably requested by
such Indemnifying Party to support and verify the claim asserted.

(e)      The
Indemnifying Party may assume the defense of a claim which they are
indemnifying, or prosecute a claim resulting from such indemnified claim, and
may employ counsel chosen by the Indemnifying Party (which counsel shall be
reasonably acceptable to the Indemnified Party), at the Indemnifying Partys
sole cost and expense.  The Indemnified
Party shall have the right, at its own expense, to employ counsel separate from
counsel employed by the Indemnifying Party in any such action and to
participate therein.  The Indemnifying
Party shall not be liable for any settlement of any claim effected without its
prior written consent, which shall not be unreasonably withheld.  However, if the Indemnifying Party does not
assume the defense or prosecution of a claim within thirty (30) days after
notice thereof, the Indemnified Party may settle such claim without the
Indemnifying Partys consent.  The
Indemnifying Party shall not agree to a settlement of any claim which provides
for any relief other than the payment of monetary damages by the Indemnifying
Party without the Indemnified Partys prior written consent, which shall not be
unreasonably withheld.  Whether or not
the Indemnifying Party chooses to so defend or prosecute such claim, all the
parties hereto shall cooperate in the defense or prosecution thereof and shall
furnish such records, information and testimony, and attend such conferences,
discovery proceedings, hearings, trials and appeals, as may be reasonably
requested in connection therewith, all at the Indemnifying Partys sole cost
and expense.

(f)       The
Parties agree that, if both Parties are named as defendants in the same
lawsuit, the Parties will enter into a Joint Defense Agreement reasonably acceptable
to the Parties.

5.       Termination

(a)      This
Agreement shall terminate: (i) three (3) years after the date of this
Agreement; (ii) upon six (6) months written notice of termination to the other
Party; (iii) upon an Event of Default that is not cured after notice is given
as provided in Section 5(b); (iv) upon a decrease in the fees and or interest
that can be charged by the Bank on the Loans pursuant to a change in federal or
state law or the interpretation thereof by a regulatory agency asserting jurisdiction
as to that issue; or (v) upon the termination by the Banks designated loan
processing agent of the Banks agreement with such agent to provide the
services contemplated in this Agreement. 
In the event this Agreement is terminated pursuant to (iv) above, the
Parties agree to negotiate in good faith as to the terms of a new agreement.

(b)      Upon
the occurrence of an Event of Default (as hereinafter defined) by either party,
the other Party may terminate this Agreement by giving written notice at least
thirty (30) days in advance of termination and an opportunity for the
defaulting Party to cure the Event of Default, provided that: (i) the
non-defaulting Party may suspend this Agreement during the period prior to any
cure of the Event of Default; and (ii) the thirty (30) day written notice
requirement shall not apply if the Event of Default is the Banks failure to
fund a Loan marketed by Advance America which meets the criteria established by
the Bank for Loans.  Either party may
immediately terminate this Agreement if either Party is advised by the Federal
Deposit Insurance Corporation (or any successor to such agency), or by any
regulatory agency which has or asserts jurisdiction over either Party  or the Loans, that its making of the Loans
or the performance of its obligations under this Agreement is or may be
unlawful or an unsafe or unsound banking practice or that such activity may
jeopardize the Banks standing with or any Bank rating from any agency.

(c)      It
shall constitute an Event of Default by the Bank hereunder if (a) the Bank
shall be in material breach of any Representation, Warranty or covenant
hereunder or if the Bank fails to make any payment due hereunder, (b) Advance
America has not defaulted hereunder and the Bank nonetheless discontinues
making Loans, (c) the Bank shall fail to fund a Loan marketed by Advance
America which meets the criteria established by the Bank for Loans; or (d) the
Bank shall file for protection under any state or federal liquidation
provision, or where the FDIC or any other regulatory authority takes control of
the Bank.   It shall constitute an Event
of Default by Advance America hereunder if (a) Advance America shall be in
material breach of any Representation, Warranty, or covenant hereunder, (b) the
Bank has not defaulted hereunder and Advance America nonetheless discontinues
marketing and servicing the Loans, or (c) Advance America files for protection
under any chapter of the federal Bankruptcy Code.

(d)      Sections 4 through 8 hereof shall survive
the termination of this Agreement. 
However, upon the Banks written request, Advance America shall continue
to service outstanding Loans following termination of this Agreement until all
Loans are repaid or charged off in accordance with the Banks standard
practices and policies.

6.       Notice

Any notice hereunder by either Party
shall be given to the other Party at its address set forth below or at such
other address designated by notice in the manner provided in this Section 6, by
personal delivery, certified mail or overnight courier, or by facsimile with a
confirmation copy by first class mail, postage prepaid.  Such notice shall be deemed to have been
given when received.  Unless otherwise
agreed, notice shall be sent to the contact persons at the addresses or
facsimile numbers, as the case may be, set forth below:

If
to Advance America:

Mr.
William M. Webster, IV, PresidentMs. Monica Allie, EsquireAdvance
America, Cash Advance Centers of Alabama, Inc.
                    961 East Main Street
                    Spartanburg, SC 29302
                    (864) 515-5600

with
a copy to:

John
C. Stophel, Esquire
                    Chambliss, Bahner
& Stophel P.C.
                    1000 Tallan Square,
Two Union Square
                    Chattanooga, Tennessee
37402-2500
                    (423)756-3000

If to the Bank:

First
Community Bank
                    Ken F. Parsons, Sr.,
President/CEO
                    721 College St. SE
                    P.O. Box 3800
                    Lacey, Washington  98509-3800
                    (360) 412-2100


7.      Confidentiality and Use of Customer Information; Non-Solicitation of
Employees (a)      The
Parties agree that the use of the information regarding all Borrowers and
Applicants (Customer Information), including without limitation names,
addresses, demographic information and financial information, is subject to, or
may become subject to, federal and state privacy laws. The Parties agree that
the use of such Customer Information shall be in compliance with all such
applicable laws, and with any privacy policy adopted by the Bank to comply with
such laws, and that the Parties will keep such Customer Information
confidential in accordance with such laws and policy. (b)      The
Bank agrees not to target the Borrowers for any solicitation of any product or
service, and not to provide any Customer Information to any person or entity
not a party to this Agreement, except to the extent required to do so under
applicable law or judicial, administrative or regulatory process or except
incident to its normal marketing efforts in the State of Washington, without
the prior written consent of Advance America. The Bank shall use reasonable
care to ensure that its agents do not violate this provision. (c)      The
Bank and Advance America agree to treat in confidence the provisions of this
Agreement and all documents, materials and other information related to this
Agreement, which shall have been obtained during the course of the negotiations
leading to, and during the performance of, this Agreement (collectively,
Confidential Information), and not to communicate Confidential Information to
any third party, except that Confidential Information may be provided to a
Partys affiliates, as such term is defined in the Securities Exchange Act of
1934, regulatory authorities, counsel, accountants, financial or tax advisors
without the consent of the other Party, provided that such parties agree to
hold such Confidential Information in confidence.  As used herein, the term Confidential Information shall not
include any information which (i) is or becomes available to a Party (the
Restricted Party) from a source other than the other Party, (ii) is or
becomes available to the public other than as a result of disclosure by the
Restricted Party or its agents, or (iii) is required to be disclosed under
applicable law or judicial, administrative or regulatory process (but only to
the extent it must be disclosed). (d)      The
Parties agree that monetary damages would not be adequate compensation in the
event of a breach by a Restricted Party of its obligations under this Section 7
and, therefore, the Parties agree that in the event of any such breach the
Restricted Party, in addition to its other remedies at law or in equity, shall
be entitled to an order requiring the Restricted Party to specifically perform
its obligations under Section 7 or enjoining the Restricted Party from
breaching Section 7, and the Restricted Party shall not plead in defense
thereto that there would be an adequate remedy at law. (e)      Each
Party agrees that it shall not directly or indirectly solicit, hire or
otherwise retain or engage, whether as an employee, independent contractor or
otherwise, any employee or other  personnel
of the other Party. 8.       Miscellaneous (a)      Neither
the existence of this Agreement and the other Agreements, nor their execution,
is intended to be, nor shall it be construed to be, the formation of a
partnership or joint venture between the Bank and Advance America. (b)      This
Agreement and the other Agreements supersede any negotiations, discussions or
communications between the Bank and Advance America and constitute the entire
agreement of the Bank and Advance America with respect to the Loans and the
Loan Documents. (c)      Advance
America shall on a timely basis provide the Bank with its monthly financial
statements, and its annual audited financial statements. Bank shall on a timely
basis provide Advance America with its quarterly financial statements, and its
annual audited financial statements.


(d)      Failure
of any Party to insist, in one or more instances, on performance by any other
Party in accordance with the terms and conditions of this Agreement shall not
be deemed a waiver or relinquishment of any right granted hereunder or of the
future performance of any such term or condition or of any other term or
condition of this Agreement unless and to the extent that such waiver is in a
writing signed by or on behalf of the Party alleged to have granted such
waiver. (e)      Any
written notice or demand to be given under this Agreement shall be duly and
properly given if delivered as described in Section 6 herein. (f)       This
Agreement and the rights and duties described herein shall be governed by, and
interpreted in accordance with, the laws of the State of Delaware, without
reference to Alabama or Washington choice of law rules. (g)      Any
controversy or claim arising out of or relating to this Agreement, or the
breach thereof, shall be settled by binding arbitration in a mutually
convenient location in accordance with the Commercial Arbitration Rules of the
American Arbitration Association (AAA). 
The arbitrator shall be selected by agreement of the Parties or, if they
cannot agree on an arbitrator within thirty (30) days after written notice of a
Partys desire to have a matter settled by arbitration, then the arbitrator
shall be selected by the AAA.  Any
arbitrator hereunder must be either a lawyer who has practiced law for at least
ten years or a retired judge.  The
arbitrator shall render his or her decision in writing in accordance with
applicable substantive laws.  The
determination reached in such arbitration shall be final and binding on all
Parties hereto without any right of appeal except as provided by the Federal
Arbitration Act.  Any court of competent
jurisdiction may enforce any determination or award of the arbitrator.  Unless otherwise agreed by the Parties, any
such arbitration shall be conducted in accordance with the rules of the
AAA.  The arbitrator shall have the
right and power to apportion the costs and expenses of the arbitration
(including the Parties attorneys fees and expenses) in his or her discretion.  THE PARTIES HEREBY EXPRESSLY WAIVE ANY RIGHT
TO TRIAL BY JURY OF ANY CLAIM, DEMAND, ACTION OR CAUSE OF ACTION SUBJECT TO
ARBITRATION HEREUNDER. (h)      Advance
America shall not assign or delegate any of its rights and/or obligations
hereunder without the Banks prior written consent, which consent shall not be
unreasonably withheld.  The Bank shall
not assign any of its rights and/or obligations hereunder to any other party
without Advance Americas prior written consent, which consent shall not be
unreasonably withheld. (i)       The
headings of the several sections and subsections of this Agreement are inserted
for convenience only and shall not in any way affect the meaning or
construction of any provision of this Agreement. (j)       This
Agreement may be executed by the Parties in separate counterparts, each of
which is an original but all of which together shall constitute one and the
same document. (k)      Advance
America shall use its reasonable best efforts to train and supervise its
employees to act in conformity with the Bank Policies provided in writing to
Advance America by the Bank and the requirements of applicable law pertaining
to their duties. (l)       Neither
Party shall take or omit to take any action that would cause such Party to
violate any of its representations or warranties hereunder. (m)     The
Bank shall forward to Advance America within five (5) business days of receipt
any written notices it receives that bankruptcy proceedings have been initiated
with respect to any person known to be a Borrower.


(n)      This
Agreement may only be amended or modified by the written agreement of both
Parties. IN
WITNESS WHEREOF, the Bank and Advance America, intending to be legally bound
hereby, have caused this Agreement to be executed by their duly authorized
officers as of the day and year first set forth above.  FIRST COMMUNITY BANK
  
  ADVANCE AMERICA, CASHOF WASHINGTON
  
  ADVANCE CENTERS OF ALABAMA, INC.By:       /s/
  
  By:       /s/Its: President, CEO
  
  Its: President, CEO


COMPUTATION OF SERVICING FEES  1.       This
is Exhibit A to that certain Marketing and Servicing Agreement (theAgreement)
between First Community Bank of Washington (the Bank), and Advance America,
Cash Advance Centers of Alabama, Inc. (Advance America).  All capitalized terms used herein and not
otherwise defined are defined in the Servicing Agreement. 2.       As
Advance Americas sole compensation under the Servicing Agreement, the Bank
shall pay Advance America marketing and servicing fees of $11.28 per $100.00
loaned (Fees). 3.       The
Fees shall be paid in bi-weekly installments, payable within one (1) day after
receipt of invoices therefor (Bi-Weekly Invoices), delivered by Advance
America to the Bank after the end of each week. 4.       Each
Bi-Weekly Invoice shall show (a) the fees and charges actually received by the
Bank during the calendar month on Loans that were repaid in full during such
month; and (b) the Fees owed by the Bank to Advance America. 5.       Advance
America will be responsible for all costs associated with its storefronts and
its services under the Servicing Agreement, including without limitation rental
and occupancy costs; costs of up-fit and leasehold improvements; equipment
costs; processing costs; printing costs; taxes; maintenance costs; staffing
costs; signage costs; and advertising costs. 6.       The
Bank shall be responsible for paying all fees and costs incurred on any bank
accounts which are held in the Banks name, from which Proceed Checks are
written or into which Repayment Checks or Loan repayments are deposited.