10/13/11 - Rates Effective Until Further Notice

Account	Rate	APY*
Money Market Minimum Deposit $1000.00	0.15	.15
Now Account Minimum Balance $1000.00	0.15	.15
Regular Savings	0.10	0.10

Investment Checking	Rate	APY*
$2,500 - $49,999.99	0.15	.15
$50,000 - $99,999.99	.25	.25
$100,000 - $199,999.99	.35	.35
$200,000 OR GREATER	.45	.45

COMMERCIAL INVESTMENT MONEY MARKET-Open $100,000	Rate	APY*
$25,000.00 - $49,999.99	0.15	.15
$50,000 - $99,999.99	.25	.25
$100,000 - $199,999.99	.35	.35
$200,000 OR GREATER	.45	.45

Account	Rate	APY*
IRA Floating for this Quarter	.38	.38
Health Savings Account	0.25	.25
First Tennessee Prime Rate	3.25

Certificate of Deposit Term	Rate	APY*
30-59 Days	.25	.25
60-89 Days	.25	.25
90-179 Days	.25	.25
180-269 Days	.35	.35
270-364 Days	.35	.35
365-539 Days	.50	.50
18-23 Months	.85	.85
24-29 Months	.85	.85
30-35 Months	1.00	1.00
36-41 Months	1.25	1.25
42-47 Months	1.75	1.75
48-59 Months	1.75	1.75
60 Months	1.95	1.95

* APY - Annual Percentage Yield.