4/07/09 - Rates Effective Until Further Notice

Account	Rate	APY*
Money Market Minimum Deposit $1000.00	0.25	0.25
Now Account Minimum Balance $1000.00	0.25	0.25
Regular Savings	0.10	0.10

Investment Checking	Rate	APY*
$2,500 - $49,999.99	0.25	0.25
$50,000 - $99,999.99	0.35	0.35
$100,000 - $199,999.99	0.45	0.45
$200,000 OR GREATER	0.80	0.80

COMMERCIAL INVESTMENT MONEY MARKET-Open $100,000	Rate	APY*
$25,000.00 - $49,999.99	0.25	0.25
$50,000 - $99,999.99	0.35	0.35
$100,000 - $199,999.99	0.45	0.45
$200,000 OR GREATER	0.80	0.80

Account	Rate	APY*
IRA Floating for this Quarter	.44	.44
Health Savings Account	0.50	0.50
First Tennessee Prime Rate	3.25

Certificate of Deposit Term	Rate	APY*
30-59 Days	.50	.50
60-89 Days	.50	.50
90-179 Days	.50	.50
180-269 Days	.50	.50
270-364 Days	.85	.85
365-539 Days	1.00	1.00
18-23 Months	2.00	2.00
24-29 Months	2.05	2.05
30-35 Months	2.10	2.10
36-41 Months	2.50	2.50
42-47 Months	2.75	2.75
48-59 Months	2.85	2.85
60 Months	3.00	3.00

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* APY - Annual Percentage Yield.