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Terms:

Offer expires March 30, 2010. Present a copy of this page to receive the bonus. You must open your accounts at a First Tennessee financial center and reside in Tennessee, Virginia, or North Carolina. Minimum opening deposit is $300 in checking and $10,000 in Money Market Savings. Offer is available to new First Tennessee checking and savings customers only. Opening deposits 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 bonus per household. Cannot be combined with other checking or savings offers. Customer agrees to maintain accounts in good standing for a minimum of six months. No minor accounts. As of November 24, 2009, the Annual Percentage Yield (APY) 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 of $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.

FSR: Please use code BMS200 in coupon redemption system