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Terms:

Offer expires 11/30/2010. New checking customers only. To receive bonus, you must open your account at a financial center and present this offer certificate. 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 on Form 1099-INT. Limit one bonus per household. Cannot be combined with other checking offers. Customer agrees to maintain account in good standing for a minimum of six months. Subject to bank approval.

**Offer expires 11/30/2010. You must open your account at a First Tennessee financial center and present this offer certificate to receive bonus. Accounts opened online are not eligible. Minimum opening deposit is $10,000. Offer is available to new First Tennessee savings customers only. 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 bonus per household. As of 08/10/2010, the Annual Percentage Yield (APY) for Money Market Savings was 0.10% for balances of $0-$9,999; and 0.20% for balances of $10,000-$24,999; 0.30% for balances of $25,000-$49,999; 0.40% for balances of $50,000-$99,999; and 0.50% for balances $100,000 and greater. The APY is variable and subject to change without notice. Fees may reduce earnings. Money Market Savings is limited by law to six (6) pre-authorized or electronic debits or withdrawals per month, including transactions by check or similar order payable to a third party. Account opening subject to bank approval.

***Subject to credit approval. Some restrictions may apply. Limit one Gift card per household. In order to receive the $100 Visa® Gift card, you must apply by November 30, 2010, mention this offer, and open a Home Equity Line of Credit or Home Equity Loan. The Visa Gift card will be mailed to you approximately three weeks after you've closed your loan or line. Visa is not a sponsor of this promotion. The Visa Gift card is a prepaid card welcome everywhere Visa Debit cards are accepted.

****Bonus is for new or existing checking customers who have never used First Tennessee Bill Pay Online or who have not used Bill Pay Online since May 1, 2010. To be eligible for the bonus, the customer must present this offer certificate to our Financial Services Representative and pay a minimum of six (6) bills using First Tennessee Bill Pay Online between August 16, 2010 and December 31, 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 December 31, 2010 will cause full bonus to be forfeited. No partial amounts will be awarded. Customers receiving this offer who meet the requirements will receive a direct deposit of $50 into the account from which bills were paid, approximately 4-6 weeks after requirement is met. Health Savings Accounts are not eligible for bill pay incentive. Limit one Bill Pay Online bonus per household. Cannot be used in conjunction with any other First Tennessee Bill Pay Online offer.

*****Offer expires 11/30/2010. Limit one free gift per household. You must visit a First Tennessee financial center, speak with a Financial Services Representative, and present this offer certificate to receive your Restaurant.com Gift Certificate, which will be delivered by mail in 4-6 weeks. Restaurant.com is not affiliated with First Tennessee and is not a sponsor of this promotion. Visit http://www.bankperks.com/r.php?url=http://dine.restaurant.com for complete terms and conditions at participating restaurants.