Bank of Tennessee

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Letters Mailed on Changes to Automatic Overdraft Service
You may have received a letter recently regarding Automatic Overdraft Protection on your account, a service that we call AOP. When you have utilized your debit card at a retailer, online or at an ATM, we have allowed you to access AOP, even when funds were not in your account. Now, in order for us to continue to allow you to access your AOP under these circumstances, you must tell us in advance that you want to authorize us to pay overdrafts for your everyday debit card and ATM transactions.

If you would like to provide your response to this letter now contact our Customer Care Center via email customercare@bankoftennessee.com or call us at (866) 378.9500

Certain criteria must be met for the Automatic Overdraft Program to be extended to you as a service. When you overdraw your account, a fee of per item will be assessed to your account. The types of transactions for which we may overdraw your account include checks, ACH debits, transfers, online banking transactions and if you opt-in, debit card/ATM withdrawals. Overdrawn balances are expected to be repaid with 30 days. Payment of overdrawn items is not guaranteed. We reserve the right to return any insufficient item at our sole discretion.
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President and CEO Roy L. Harmon, Jr. Answers Your Questions
Many customers and concerned area citizens have asked numerous questions about how the nation, the region and their bank are dealing with the current economic times. Bank of Tennessee President and CEO Roy L. Harmon, Jr. has been a guest several times on a local radio program to discuss subjects pertaining to the Bank, the economy and his predictions. Harmon has been a guest on "Thinking Out Loud" with Dave Hogan and Carl Swann is a local morning radio program on AM 910 WJCW.

Bank of TN continues Paticipation in FDICs TAG Program
Your Bank of Tennessee non-interest bearing checking accounts (including low interest checking accounts with rates of less than .25 percent excluding Green Accounts, Private Banking Checking, eAdvantage and Interest Advantage accounts ) are now fully guaranteed, regardless of the account balance. This guarantee is provided by the FDIC as Bank of Tennessee elected to participate in the FDIC's Transaction Account Guarantee Program. The guarantee of non-interest bearing checking accounts is temporary, through December 31, 2010.

On July 21, 2010, President Barack Obama signed the Dodd-Frank Financial Reform Bill, which permanently increases the FDIC Insurance coverage on all deposit accounts to $ 250,000 per depositor.

We are happy to offer free "FDIC Insurance Checkups" to review your deposits at Bank of Tennessee or at any institution. Call or come by one of our offices for your free check up.

Or, you can check your insured deposit limits using the FDICs Electronic Deposit Insurance Estimator.

We can actually insure your deposits up to $50,000,000! Bank of Tennessee has an innovative product that can do the legwork of placing deposits at different financial institutions for you with one stop at one of our branches. Click below to learn more about CDARs.

FDIC Launches Foreclosure Prevention Initiative
The FDIC has produced a free tool kit of information that will help homeowners and the banking industry avoid unnecessary foreclosures and stop scams that promise false hope to consumers at risk of losing their homes. The tool kit includes a new FDIC brochure entitled "Is Foreclosure Knocking at Your Door?" that encourages consumers facing difficulties to contact their mortgage servicer and apply for a loan modification. Find the tool kit and other resources at http://www.FDIC.gov/foreclosureprevention
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