Terms and Conditions of Your Account

Page 1 of 13

Contents:

Duty to Protect Account Information and

Methods of Access

(13)

(14)

(15)

(16)

(22)

(23)

(24)

(25)

(26)

(27)

(28)

(29)

(30)

(31)

(34)

(35)

(36)

(37)

(38)

(39)

Direct Deposits

Temporary Account Agreement

Setoff

Check Processing

Facsimile Signatures

Additional Authorized Signatory

Restrictive Legends or Endorsements

Account Transfer

Endorsements

Death or Incompetence

Fiduciary Accounts

Credit Verification

Legal Actions Affecting Your Account

Account Security

Claim of Loss

Early Withdraw al Penalties

Address or Name Changes

Resolving Account Disputes

Waiver of Notices

Additional Terms

(1)

(2)

(3)

(6)

(7)

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other

information that will allow us to identify you. We may also ask to see your driver' s license or other identifying documents.

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial

institutions to obtain, verify, and record information that identifies each person who opens an account

.

All rights reserved.

which control your account(s) with us. Please read this carefully and retain it for future reference. If you sign the signature

card or open or continue

to use the account, you agree to these rules. You will receive a separate schedule of rates,

qualifying balances, and fees if they are not included in this document. If you have any questions, please call us.

We will give only provisional credit until collection is final for any items, other than cash, we accept for deposit (including

endorsement or lack of endorsement on the item and even though we provide you provisional credit for the item. We may

reverse any provisional credit for items that are lost, stolen, or returned. Unless prohibited by law, we also reserve the right

to charge back to your account the amount of any item deposited to your account or cashed for you which was initially paid

You agree, for yourself (and the person or entity you represent if you sign as a representative of another) to the terms of this

account and the schedule of charges. You authorize us to deduct these charges, without notice to you, directly from the

account balance as accrued. You will pay any additional reasonable charges for services you request which are not covered

by this agreement.

Each of you also agrees to be jointly and severally (individually) liable for any account shortage resulting from charges or

overdrafts, whether caused by you or another with access to this account. This liability is due immediately, and we can

deduct any amounts deposited into the account and apply those amounts to the shortage. You have no right to defer payment

of this liability, and you are liable regardless of whether you signed the item or benefited from the charge or overdraft.

be inconsistent to do so, words and phrases used in this document should be construed so the singular includes the plural and

the plural includes the singular.

in full force and effect. We may permit some variations from our standard agreement, but we must agree to any variation in

writing either on the signature card for your account or in some other document. Nothing in this document is intended to

vary our duty to act in good faith and with ordinary care when required by law.

Page 2 of 13All rights reserved.

This agreement is subject to applicable federal laws, the laws of the state of Tennessee and other applicable rules such as the

operating letters of the Federal Reserve Banks and payment processing system rules (except to the extent that this agreement

can and does vary such rules or laws). The body of state and federal law that governs our relationship with you, however, is

too large and complex to be reproduced here. The purpose of this document is to:

establish rules to cover transactions or events which the law does not regulate;

deducted from your account when they are incurred, without notice to you.

give you disclosures of some of our policies to which you may be entitled or in which you may be interested.

Even if we honor a nonconforming request, we are not required to do so later. If you violate the stated transaction

limitations (if any), in our discretion we may close your account or reclassify your account as another type of account. If

we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification.

Page 3 of 13All rights reserved.

M ultiple Signatures, Electronic Check Conversion, and Similar Transactions.

An electronic check conversion

transaction is a transaction where a check or similar item is converted into an electronic fund transfer as defined in the

circulation (truncated) or given back to you. As a result, we have no opportunity to review the signatures or otherwise

examine the original check or item. You agree that, as to these or any items as to which we have no opportunity to

examine the signatures, you waive any requirement of multiple signatures.

by the payor bank and which is later returned to us due to an allegedly forged, unauthorized or missing endorsement, claim

of alteration, encoding error, counterfeit cashier' s check or other problem which in our judgment justifies reversal of credit.

You authorize us to attempt to collect previously returned items without giving you notice, and in attempting to collect we

may permit the payor bank to hold an item beyond the midnight deadline. Actual credit for deposits of, or payable in, foreign

currency will be at the exchange rate in effect on final collection in U.S. dollars. We are not responsible for transactions by

mail or outside depository until we actually record them. We will treat and record all transactions received after our "daily

cutoff time" on a business day we are open, or received on a day we are not open for business, as if initiated on the next

business day that we are open. At our option, we may take an item for collection rather than for deposit. If we accept a

third-party check or draft for deposit, we may require any third-party endorsers to verify or guarantee their endorsements, or

endorse in our presence

.

Generally.

Unless clearly indicated otherwise on the account records, any of you, acting alone, who signs to open the

may properly pay and charge your account for a postdated check even though payment was made before the date of the

check, unless we have received written notice of the postdating in time to have a reasonable opportunity to act. Because we

process checks mechanically, your notice will not be effective and we will not be liable for failing to honor your notice

unless it precisely identifies the number, date, amount and payee of the item.

Checks and W ithdraw al Rules.

If you do not purchase your check blanks from us, you must be certain that we

approve the check blanks you purchase. We may refuse any withdrawal or transfer request which you attempt on forms

not approved by us or by any method we do not specifically permit. We may refuse any withdrawal or transfer request

which is greater in number than the frequency permitted by our policy, or which is for an amount greater or less than any

withdrawal limitations. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to

consider a cashier' s check or similar instrument. You assume full responsibility of any loss in the event the cash you

withdraw is lost, stolen, or destroyed. You agree to hold us harmless from any loss you incur as a result of your decision

jointly with survivorship. Beneficiaries cannot withdraw unless: (1) all persons creating the account die, and (2) the

beneficiary is then living. If two or more beneficiaries are named and survive the death of all persons creating the account,

beneficiaries will own this account in equal shares, without right of survivorship. The person(s) creating either of these

account types may: (1) change beneficiaries, (2) change account types, and (3) withdraw all or part of the account funds at

any time.

types of transfers of funds, such as consumer electronic fund transfers, may be established by law or our policy. If we have

not disclosed these rules to you elsewhere, you may ask us about those rules

.

These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the

designations, except as they determine to whom we pay the account funds.

Individual Account.

We may accept an order to stop payment on any item from any one of you. You must make any stop-payment order in the

manner required by law and we must receive it in time to give us a reasonable opportunity to act on it before our

stop-payment cutoff time. Because stop-payment orders are handled by computers, to be effective, your stop-payment order

must precisely identify the number, date, and amount of the item, and the payee.

Page 4 of 13All rights reserved.

intend (merely by opening this account) to create any right of survivorship in any other person. We encourage you to

agree and tell us in writing of the percentage of the deposit contributed by each of you. This information will not,

however, affect the number of signatures necessary for withdrawal.

Notice of Withdraw al.

from an interest-bearing account, other than a time deposit or demand deposit, or from any other savings deposit as

defined by Regulation D. (The law requires us to reserve this right, but it is not our general policy to use it.) Withdrawals

from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See

your notice of penalty for early withdrawal.

including the precise check or item number, amount, date and payee. Written notice we give you is effective when it is

deposited in the United States Mail with proper postage and addressed to your mailing address we have on file. Notice to any

Page 5 of 13All rights reserved.

You may stop payment on any item drawn on your account whether you sign the item or not. Generally, if your

stop-payment order is given to us in writing it is effective for six months. Your order will lapse after that time if you do not

renew the order in writing before the end of the six-month period. If the original stop-payment order was oral your

stop-payment order will lapse after 14 calendar days if you do not confirm your order in writing within that time period. We

are not obligated to notify you when a stop-payment order expires.

receive the item. Additional limitations on our obligation to stop payment are provided by law (e.g., we paid the item in cash

or we certified the item).

We may change any term of this agreement. Rules governing changes in interest rates are provided separately in the

any other method permitted by law. We may also close this account at any time upon reasonable notice to you and tender of

the account balance personally or by mail. Items presented for payment after the account is closed may be dishonored. When

you close your account, you are responsible for

paid from the account. Reasonable notice depends on the circumstances, and in some cases such as when we cannot verify

your identity or we suspect fraud, it might be reasonable for us to give you notice after the change or account closure