First Horizon brings All Things Financial ® to you in an effort to help ensure your financial security. We offer a full range of products and services - from checking, credit cards, and investments to financial planning, insurance, and trust services. We are committed to providing the advice and guidance you need to build a secure, rewarding financial future ... one you'll value for years to come.

• Relationship First Checking:   Relationship First Checking rewards you with benefits designed for the way you like to bank. Choose from three different plans based on your relationship with us. Whether your banking is credit-oriented, savings-centered or both, there's a Relationship First Checking account designed to help you get the maximum benefit. With Relationship First Checking, you are also entitled to a wide-range of standard features, such as no-fee First Check debit card, free online banking, free bill pay online, statements online, telephone banking, 5 waived foreign ATM fees per month and more.

• Online Banking:   allows you to check your account balances, transfer funds between accounts, open new accounts, order checks, and more!

• Bill Pay Online:   allows you to pay your bills online and save time and money. Payments made from our safe, secure Internet site are guaranteed to arrive on time, or we'll pay the late fee (up to $50), provided you follow the scheduling payments guidelines. You can also set up for your salary to be automatically deposited into your account, and arrange automatic debits for your home loan and others.

• First Link Telephone Banking:   allows you to check your balances, transfer funds, and get other information from any phone 24 hours a day, 7 days a week with our toll-free banking number 1-800-489-2111.

• First Check SM Visa ® Debit Card:   entitles you to make purchases wherever Visa is accepted - at more than 20 million locations worldwide. Shop and withdraw cash at more than one million Visa Debit merchant locations and get up to $100 cash back with purchase. Plus, you can also withdraw money at any Visa member bank up to $500. And during the first six months after the account is opened, you'll receive a 1% rebate on all Visa purchases (must be signed transactions to earn rebate).

• Classic Visa and MasterCard:   allows you to enjoy a low introductory APR for the first six months, competitive interest rates, unsurpassed merchant acceptance, and superior customer service.

• First Travel:   allows you to earn one travel point for every dollar charged, and redeem points on flights, cruises, and vacation plans.

• Platinum Premier Visa:   provides you with a minimum $5,000 credit limit, a variety of travel-related benefits, and the world-class service you expect from a platinum card.

Call me for more information about these and other banking products.

• Certificates of Deposit (CDs):   safe, short-term, FDIC-insured investments that earn more interest than traditional savings

• Mutual Funds:   allow you to enjoy the benefits of diversified investing without the hassle

• Annuities:   are tax-deferred savings with your choice of fixed or variable rates

• Stocks and Bonds:   offer choices - and opportunities for reward - that are almost unlimited

• Retirement Accounts:   lets you choose from a variety of IRAs and other tax-smart strategies

• Education Account:   allows you to enjoy potentially tax-free earnings with a 529 College Savings Plan

• Other Investments:   includes government securities and more

Call me to set up an appointment with an investment professional to learn how to invest to best meet your goals.

• Property and Casualty Insurance:   provides protection to cover homeowner/renter, automobile, personal umbrella, and flood

• Life Insurance:   provides death benefits and cash value with term and permanent policies

• Disability Insurance:   prevents loss of income due to a (covered) sickness or injury

Call me to schedule an appointment with a First Horizon Insurance Services representative.

• Budgeting and Cash Reserves:   manage cash flow and retain adequate liquidity

• Education Planning:   makes sure your college savings stay ahead of inflation

• Insurance Planning:   protects your assets, income and family

• Investment Planning:   reaches your goals by balancing risk versus reward

• Tax Planning:   puts strategies into place to control future tax liabilities

• Retirement Planning:   helps you Retire Ready SM ... maybe even earlier than planned

• Estate Planning:   achieves peace of mind while minimizing estate taxes

• Wealth Management:   provides comprehensive advice to help you fulfill your potential

Call me today. A good financial plan can help you fulfill your dreams ... and more.

Investments, Insurance and Annuities: Not A Deposit. Not FDIC Insured. May Go Down In Value. Not Insured By Any Federal Government Agency. Not Guaranteed by the Bank Or Its Affiliates.

Financial Planning provided by First Horizon Bank, a division of First Tennessee Bank National Association (FTB). Investments available through First Horizon Investment Services, a division of First Tennessee Brokerage, Inc., member NASD, SIPC, and a subsidiary of FTB. Insurance products and annuities available through First Horizon Insurance Services, Inc. (FHIS), a subsidiary of FTB. FHIS may transact insurance business or offer annuities only in states where it is licensed or where it is exempted or excluded from state insurance licensing requirements.