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   February 18th, 2022 Dividend Press Release
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United Tennessee Bankshares, INC.

    United Tennessee Bankshares, INC. (the "Company") became the holding company for Newport Federal Bank (the "Bank") upon
    its conversion from mutual to stock form (the "Conversion"), which was completed on January 1, 1998. Prior to January 1, 1998,
    the Company had no assets or liabilities and engaged in no business activities. The Company's assets primarily consist of it investment
    in the Bank.

    The Company's executive offices are located at 170 W. Broadway, Newport, Tennessee 37821-2325, and its telephone number is
    (423) 623-6088. Our web site is www.newportfederalbank.com.

    The Bank was organized as a federally chartered mutual savings institution in 1934 under the name Newport Federal Savings and
    Loan Association. Effective January 1, 1998, the Bank became a stock savings bank and changed its name to Newport Federal Bank.
    The Bank currently operates through three full-service banking offices located in Newport, Tennessee. The Bank's deposits are insured
    to applicable limits by the Federal Deposit Insurance Corporation ("FDIC").