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Terms:

Checking Bonus: Receive $100 bonus when you open a new checking account with at least $300 by 11/30/11 and at least one direct deposit posts to this account within 60 days of account opening. $100 will be credited to the "Bonus Checking Account" within six weeks after first direct deposit posts. Savings Bonus: Receive $100 bonus when you have a new or existing First Tennessee checking account, then open a new Money Market Savings account with at least $10,000 by 11/30/11. $100 will be credited to savings account within six weeks after requirements are met. As of 07/01/11, the Annual Percentage Yield (APY) for Money Market Savings was 0.05% for balances of $0 - $9,999; 0.10% for balances of $10,000 - $24,999; 0.15% for balances of $25,000 - $49,999; 0.20% for balances of $50,000 - $99,999; and 0.25% for balances $100,000 and greater. APY is variable and subject to change without notice. Fees may reduce earnings. Federal law requires that we convert a savings account to a checking account if you exceed six preauthorized or automatic transfers per month, including transactions by check or similar order payable to a third party. Loan Bonus: Receive a $100 Visa® Gift Card when you apply by November 30, 2011, mention this offer, and open a real estate secured porttfolio loan. The Visa Gift card will be mailed to you approximately four weeks after you've closed on your loan. Visa is not a sponsor of this promotion. The Visa Gift card is a prepaid card welcome everywhere Visa Debit cards are accepted. Special $96 bonus: If you take advantage of all three offers (checking, savings, loan) by the stated deadlines, you will receive a $96 bonus, which will be credited to the Bonus Checking account by 1/31/12. You are not required to open all accounts the same day. Other restrictions: Opening deposits cannot be transferred from existing First Tennessee accounts. Your account(s) must be open and in good standing at the time the credit is issued, and you agree to maintain the account in good standing for at least six months. Limit one checking, savings, loan, and $96 bonus per household. Cannot be combined with other offers. Checking and savings bonuses are not available for accounts opened online, and are for new checking and savings households only. Account openings are subject to bank approval. Loans and lines of credit are subject to credit approval.

A potential TV appearance was offered in exchange for these testimonials.

FSR: Use code HCH811 for $100 checking bonus. Use code SVH811 for $100 savings bonus. Use code VISHLC for loan gift card bonus.