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Terms:

*$50 Bonus is for new or existing customers who have never used First Tennessee Bill Pay Online or who have not used Bill Pay Online with any First Tennessee account since August 1, 2009. Customer must pay a minimum of six (6) bills using First Tennessee Bill Pay Online between November 1, 2009, and December 31, 2009, to be eligible for bonus. Bills are considered paid as of the actual payment date, which is the date funds are withdrawn and sent to the payee. Failure to make at least six payments using Bill Pay Online by December 31, 2009, will cause full bonus to be forfeited. Customers receiving this offer who meet the requirements will receive a direct deposit of $50 into account from which bills were paid on or before January 31, 2010. No partial bonus amounts will be awarded. Limit one bill pay bonus per household.

**$100 offer expires December 31, 2009. To receive bonus, you must open your new checking account at a financial center and present a copy of this ad or open online at www.ftb.com/150 and follow instructions to receive bonus. Minimum opening deposit to receive bonus is $300. Opening deposit cannot be transferred from existing First Tennessee accounts. If you meet the stated requirements of this promotional offer, the bonus will be credited to your account within 6 weeks and will be reported as income on Form 1099-INT. Limit one $100 bonus per household. Cannot be combined with other checking offers. New checking households only. Customer agrees to maintain account in good standing for a minimum of six months. Subject to bank approval.