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Terms:

$100 with any new checking account,
$50 for using Bill Pay Online six times by April 30th and
$50 with a new saving account.


Checking Bonus: You will receive a $100 bonus when you open a new checking account with at least $300 by March 13, 2010, and at least one direct deposit must post to this account by April 30, 2010. Opening deposit cannot be transferred from existing First Tennessee accounts. If you meet the stated requirements of this promotional offer, the $100 bonus will be credited to your checking account within 6 weeks of your direct deposit and will be reported as income on Form 1099-INT. Bill Pay Bonus: To be eligible for a $50 Bill Pay Online bonus, you must pay a minimum of six (6) bills from your new checking account that was opened in conjunction with this promotion using Bill Pay Online between your account open date and April 30, 2010. Bills are considered "paid" as of the actual payment date, which is the date funds are withdrawn and sent to the payee.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 April 30 will cause full $50 bonus to be forfeited. If you meet the requirements, you will receive a direct deposit of $50 into the account from which bills were paid, on or before May 31, 2010. Savings Bonus: To be eligible for a $50 Savings bonus, you must first open a new checking account, meeting the requirements stated above. You must then open a new Money Market Savings account with at least $5,000 by March 13, 2010. Opening deposit cannot be transferred from existing First Tennessee accounts. If you meet the stated requirements of this promotional offer, the $50 bonus will be credited to the checking account originally opened in conjunction with this promotion within 6 weeks of the savings account opening and will be reported as income on Form 1099-INT. As of November 24, 2009, the Annual Percentage Yield (APY) for Money Market Savings was 0.15% for balances of $0 - $9,999; 0.25% for balances of $10,000 - $24,999; 0.40% for balances of $25,000 - $49,999; 0.65% for balances of $50,000 - $99,999; and 0.90% 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. All offers: 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 thereafter. Limit one checking, savings and Bill Pay bonus per household, up to $200. Offers are for new customers only, and cannot be combined with other checking, savings and Bill Pay offers. Checking and savings bonuses are not available for accounts opened online. Account openings are subject to bank approval.