NOW Account Unlimited checking with benefits.  First Bank of Tennessee offers a deposit product to meet your needs. Benefits: Interest Bearing – See Current Rates No Service Charge with Average Daily Balance above $500 Online Banking & Bill Pay available Mobile Banking available with Online Banking Image Statements Available with Online Banking ATM/Debit Card Available (Certain Restrictions Apply)

First Senior Plus Checking An account designed for the individual 62 or older.  First Bank of Tennessee offers a deposit product to meet your needs. Benefits: No Service Charge with Average Daily Balance above $300 Unlimited Checking Personalized Standard Checks at No Cost Online Banking & Bill Pay available Mobile Banking available with Online Banking Image Statements Available with Online Banking ATM/Debit Card Available (Certain Restrictions Apply) Discount on Safe Deposit Box Direct Deposit of Government Checks, Pension Checks, and/or Retirement Checks Interest Bearing – See Current Rates

Money Market Account Low activity account with more return on your money. Benefits: Competitive Interest Rates Minimum Balance of $2500.00 Online Banking & Bill Pay available Mobile Banking available with Online Banking Image Statements Available with Online Banking Federal Transaction Limitations May Apply* Tiered Money Market – See Current Rates - $2,500.01 – $10,000.00 - $10,000.01 – $25,000.00 - $25,000.01 +

* Account Transaction Limitations for Savings and Money Market Accounts – Savings and Money Market Accounts may have no more than six (6) debit transactions per month or monthly statement cycle. A debit transaction is a check, debit/check card transaction, transfer, or pre-authorized transfer, including those made by phone or modem. Unlimited transactions are permitted if made by the customer in person, by mail, through an ATM or by phone if the check is mailed to the customer. If an account continually exceeds the allowed debit transactions, we may convert it to a traditional checking account.