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OPEN A BIZESSENTIALS® SAVINGS ACCOUNT AND RECEIVE
$100 OFFICE DEPOT GIFT CARD OR EARN 3.25% APY*

Bonus terms as copied from website on 11/26/2008:

*** Federal law requires that we convert a savings account to a checking account if you exceed six preauthorized or automatic transfers per month, or three such transactions by check or similar order payable to a third party.
*** Minimum opening deposit to qualify for gift card is $1,000. Gift card offer is non-transferable and cannot be combined with other offers. Gift card will be mailed to customer 2 3 weeks after account funding and will be reported as income on Form 1099-INT. Offer
expires November 29, 2008. Offer is non-transferable and cannot be combined with other offers. Limit one gift card per company.
*** Minimum opening deposit to qualify for 3.25% rate is $25,000. Opening deposit cannot be transferred from existing First Tennessee accounts. Customer agrees to maintain account in good standing for a minimum of six months. After the 3-month period, the rate
will return to the standard current rate. Offer expires November 29, 2008. Offer is non-transferable and cannot be combined with other offers. Offer subject to change.
FSR: For gift card, please use Coupon Redemption System, Promo Code PODSBZ.
Banking products and services provided by First Tennessee Bank National Association. Member FDIC. ©2008 First Tennessee Bank National Association. www.firsttennessee.biz