Choices BANKTENNESSEE

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1 Choices BANKTENNESSEE

2 Choices Banking is personal again! You ve made a great decision to choose BankTennessee. We re known for our personal service and our dedication to making our customers lives better. Save time and money! Increase your cash flow with the best rates on our products. Enjoy our many free services and banking conveniences, including real time internet banking and online bill payment... no more stamps! For businesses, save time and money with treasury management, remote capture and merchant card services. Fulfill your dreams! Whether buying or building a new home, refinancing an existing home or simply just needing some extra cash, we make it easy to get the financing you need. Check us out online at or talk to one of our experienced home loan professionals for some great tools to help you research the best rate and get helpful tips. You can even fill out a loan application and get instant approval online! We re listening to you! Helping you succeed and achieve your financial goals is the core philosophy of BankTennessee. We are passionate about it and are always looking for ways to make your life better. With you, the best is yet to come! Banking is personal again. Visit us at our new location in Downtown Memphis Welcome Wagon Building 30 N. Second

3 Sail free as a bird! Enjoy the following free benefits with any BankTennessee personal checking account. Same-day banking Real-time internet banking Real-time telephone banking Unlimited web bill pay Unlimited check writing ATM/debit card Access to your money at more than 500 ATMs PERSONAL CHECKING Free Checking Why pay for your checking account? Get the features you need in a checking account without a minimum monthly balance requirement. $100 minimum opening balance No monthly service charge Classic Checking Let us reward you for keeping more of your business with us! $100 minimum opening balance $8 monthly service charge is waived with either: $1,000 minimum daily balance OR $5,000 in combined deposit and/or loan balances Earns interest on any balance WOW Checking Tired of keeping track of several accounts just so you can earn a little more interest? We thought you might be. Our WOW Checking offers a unique all-in-one format that eliminates the need for so many accounts. $10 monthly service charge is waived with either: $1,500 minimum daily balance OR $10,000 in combined deposit and/or loan balances Earns tiered interest rate - Higher rates are paid for balances of $2,500, $5,000, $10,000, $50,000 and more Two free stop payments per year Fee-free travelers checks and cashiers checks Masters Checking Get ready to save money! For persons 50 and better, enjoy free checking that pays interest and a whole lot more. $100 minimum opening balance No minimum monthly balance No monthly service charge Free bank stock checks Fee-free travelers checks and cashiers checks Two free stop payment requests per month Earns tiered interest rate - Higher rates are paid for balances of $5,000 and $25,000 No charge on incoming wires

4 PERSONAL SAVINGS Classic Savings It is possible to save. Start with the basics, and we ll pay you interest for your diligence! $100 minimum opening balance No service charge Limited withdrawal transactions per statement cycle* Children s Savings Start your child on the path to financial success! This is a great savings account for young customers. No minimum opening balance No minimum balance requirement No service charge Limited withdrawal transactions per statement cycle* High Yield Money Market Want easy access to your money, but don t necessarily need to use it on a regular basis? This account pays a higher interest rate and might just be right for you! $10,000 minimum opening balance Earns tiered interest rate - higher rates are paid for balances of $2,500, $10,000, $50,000, $100,000, $150,000 and more Preauthorized transfers are limited to 6 per month, with no more than 3 by check, draft, debit card, or similar order made to third parties** $10 monthly service charge is waived when $10,000 daily balance is maintained Other Savings Products Our flexible terms range from 3 months to 5 years. Certificates of Deposit Individual Retirement Accounts * Under Federal Regulation, transfers from a Regular Savings account to another account or to third parties by preauthorized, automatic or telephone transfer are limited to six per statement cycle with no transfers by check, draft, debit card or similar order to third parties. Any withdrawals over six will be charged $1.00 per withdrawal. ** Under Federal Regulation, transfers from a Money Market Account to another account or to third parties by preauthorized, automatic or telephone transfer are limited to six per month with no more than three by check, draft or similar order to third parties. If this limitation is exceeded on a regular basis, we are required to convert your account to another account that permits unlimited check writing privileges.

5 LOANS Want to buy a home? Purchasing a home for the first time? Refinancing your existing mortgage? Buying your dream vacation home? Talk with us first! We can assist you in getting pre-approved and get you the best loan rate. Conventional Loans Mortgages with financing insured by FNMA or Freddie Mac with various options for terms and down payment. Conventional Jumbo Mortgages with financing which is not insured or guaranteed by a federal agency and exceeds the statutory size limit eligible for purchase or securitization by a federal agency. FHA Mortgage Loans Loans that are insured and guaranteed by the Federal Housing Administration (FHA) with the Department of Housing and Urban Development (HUD). VA Mortgage Loans Loans that are long term, low down payment mortgages for eligible veterans that are partially guaranteed by the Department of Veteran Affairs (VA) against loss upon foreclosure. Ready to build your dream? We make it easy to custom build your dream home or make improvements on your existing home. Custom Construction Loans Let one of our custom construction team specialists tell you how to get started and help you with financing. Home Equity Loans Mortgages based on the equity in your home. Your loan can be obtained either in a lump sum or as a revolving line of credit. Just need money? Whether you re starting a new business, paying tuition, taking a vacation, or buying a new car, we can help you get the money you want for whatever you need. We have the right loan and a great rate for you. Automobile Loans We offer competitive rates and payments to fit your budget. Go ahead, get a quote from the dealer, then come in to talk with one of our consumer loan officers. Recreational Vehicles Hit the highways on a motorcycle, or in a motor home or travel trailer! Ride the trails on an ATV or snowmobile! The fun can be yours! Let us finance your dream with a rate and term designed to fit you and your lifestyle. Vacation Loans Whatever your vacation plans may be, we can help make your dream come true. Start packing! Credit Cards We have great card choices including one that will reward you with airline miles, hotel stays, vacations and cruises.

6 BUSINESS ACCOUNTS Enjoy the following free benefits with any BankTennessee business checking account. Free internet banking Free unlimited web bill pay Free 24-hour telephone banking Free support from our knowledgeable customer service specialists Free Business Checking Ideal for small businesses with limited transactions No minimum balance requirements 125 transactions* processed during the statement cycle at no charge** ATM/debit card available Business Checking Ideal for mid-size businesses that process more transactions. 350 transactions* processed during the statement cycle at no charge** $5, average monthly collected balance required*** ATM/debit card available Analysis Checking Ideal for larger businesses that need unlimited transaction processing. Unlimited transactions Use your collected balances to offset your service charge Business Savings Want easy access to your money, but don t necessarily need to use it everyday? So put it aside into this account, and earn a little interest at the same time. Minimum opening balance $100 Interest-bearing - interest accrues daily and will be compounded every month Service charge of $2 every statement cycle if balance falls below $100 at any time during the cycle Limited withdrawal transactions per statement cycle**** * A transaction includes all checks/debits, deposits/credits and deposited items. ** A $.25 fee will be charged for any transaction over the limit specified in the account type. *** A $15 maintenance fee will be charged if the $5, average balance is not maintained during the statement cycle. **** Under Federal Regulation, transfers from a Regular Savings account to another account or to third parties by preauthorized, automatic or telephone transfer are limited to six per statement cycle with no transfers by check, draft, debit card or similar order to third parties. Any withdrawals over six will be charged $1.00 per withdrawal.

7 MORE BUSINESS SERVICES BankTennessee s blend of sophisticated financial tools and personal service is perfect for the active, growing business a business that needs the commitment that locally-owned BankTennessee offers. Accounts & Services Estate Guardianship IOLTA Conservatorship Dual Control Escrow Remote Capture Treasury Management Merchant Card Service Direct Deposit Origination Short-Term Investment Sweep Internet Banking Online Check Imaging Personal & Business Cashiers Checks ATM Network With More Than 500 ATMs Special Banking Benefits For Your Employees Custom Banking Solutions Financing Term Loans Lines of Credit Commercial Real Estate Custom Construction Leasing Mortgage Let us tailor a solution for you!

8 LOCATIONS Collierville 1125 West Poplar Avenue West Mulberry Street Germantown 2915 Forest Hill Irene Road East Memphis 5540 Poplar Avenue Downtown Memphis 30 North Second MORE CONVENIENT PRODUCTS Visa Gift Cards Looking for a perfect gift? Give the gift of plastic! The gift of plastic is always appreciated... BankTennessee plastic, that is. Available in any denomination Use almost anywhere Visa is accepted Multitude of card designs available that make BankTennesse gift cards perfect for any occasion Travelers Checks Travel with peace of mind with American Express Travelers Cheques. Perfect for travel within the United States and abroad Refundable if lost or stolen 24/7 customer service support Foreign Currency Traveling out of the country? Give us a call, and get the cash you need without the hassle of exchanging money when you arrive at your destination. Competitive exchange rates for our customers Currency for the most popular destinations Ripley 312 Cleveland Street Lebanon 109 Signature Place STAY IN TOUCH WITH YOUR ACCOUNTS 24/7! Bank and Pay Bills Online Telephone Banking Toll-Free Get free access to your money at more than 500 ATMs! Use an ATM at any BankTennessee or First Tennessee location. To report a lost or stolen ATM/Debit Card During regular banking hours, please call your local BankTennessee office. After banking hours or holidays, please call Banking is personal again.

9 Banking is personal again. P.O. Box 1886 Collierville, TN BankTennessee, All rights reserved. Member FDIC