IMPORTANT NOTICE TO FIRST TENNESSEE BANK CUSTOMERS This notice describes changes to the terms of the First Tennessee Bank Fee Schedule (“Fee Schedule”). Effective September 26, 2011, unless a later effective date is noted with regard to certain fees, the following will apply to your consumer deposit account with First Tennessee Bank. Except for the changes described herein, all other provisions of the Fee Schedule remain in effect. The section titled Automated Teller Machines (ATMs) is amended to read as follows: There is no charge to use an ATM card or First CheckSM Visa® Debit card issued by us for your deposits, cash withdrawals or most balance inquiries at any of our ATMs. A $2 fee will be charged for QuickStatementsSM. QuickStatements provides a print-out of your last ten transactions (including bank charges) and your available balance. Checking accounts are charged $2.00 for each account transaction and each balance inquiry using a non-First Tennessee ATM. Premier Checking accounts do not incur a charge for use of a non-First Tennessee ATM. The owner of that ATM (or the network it uses) might also surcharge you to use its machine. Surcharges from owners of other ATMs are refunded to Premier Checking customers. The section titled Charge back check fee is amended to read as follows: A charge of $16 is made for each check you deposit that is returned to us unpaid and debited from your account. The section titled Miscellaneous Charges is amended to read as follows: Cashier’s Check………………………………………………………..$8 Travelers’ Checks (Basic)……………………...$1.50 per $100 of checks Travelers’ Checks for 2……………………………$2 per $100 of checks Legal Action Processing Fee…………………………………………$100 Notary fee……………………………………………………………… $3 Statement update...……………………………………………………...$2 Gift Checks…………………………………………..……$2.50 per check (available in denominations of $25, $50 and