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SIMPLIFY YOUR BUSINESS CHECKING
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BizEssentials® Checking is a simple account with lots of special benefits that you’ll appreciate:
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We’ve raised the transaction limits for TBA members to 500 free transactions per month
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Easier to reach minimum balances reward you for your entire banking relationship
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You get purchasing convenience with a free Visa® Debit card
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Plus your access to Banking Online is free too
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BizEssentials® Checking offers you simplified cash management you can count on. Choose to connect your BizEssentials® Checking account to either a savings account or a line of credit. |
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— A BizEssentials® Savings account with a sweep feature that helps you earn money market rates on your idle BizEssentials® Checking funds.
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— An auto advance feature that allows your First Resource Line of Credit to provide coverage for checks written on your BizEssentials® Checking account.
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A First Tennessee mortgage is a great way to get the home you always wanted. We’ll walk you through every step of the process and help you find the financing plan that’s right for you. Even better, when you close on a First Tennessee mortgage we will give you 1/4 point off your origination fee to be applied to closing costs at the close of your mortgage as a thank-you for your business.
Are you in the market for a new home? Print out this coupon and present it to your First Tennessee Home Loans Relationship Manager at your initial meeting to receive this special credit.
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A BizEssentials® Line of Credit puts cash in your hands when you need it most for technology and equipment upgrades or other improvements you want to make to your practice. We also make it easy to keep payments low with flexible terms and no annual fee for the first year for qualified applicants.
Here's what you get with a BizEssentials® Line of Credit:
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Unsecured line of credit up to $100,000 – Helps you achieve business goals and maximize opportunities.
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Access by Visa® card or by check – Convenient, flexible, no long waiting period to get a draw on the line. 24/7 access and acceptance at 11 million locations worldwide and most internet sites.
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Quick application process – Easy to fill out – no financial statements required on requests of $50,000 or less. |
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Multiple card holders – Keep purchasing under control with pre-approved spending limits.
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Interest only payments – each month's minimum payment consists of interest only — giving you more leeway in tight months, or when there's a pressing need for funds elsewhere.
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Annual Summary Statement – A report that categorizes expenses for the previous year is mailed each January.
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Interest-only minimum payment applies as long as the BizEssentials® Line of Credit privileges are in effect.
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>> To begin using the benefits of a BizEssentials® Line of Credit please print this coupon. Please bring this coupon to have your annual fee waived for one year to any Financial Center near you.
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COMPLIMENTARY FINANCIAL PLANNING
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Financial Planning – Even experienced professionals need help organizing the essential elements of their financial lives and prioritizing their goals. First Tennessee's financial planning staff, including CERTIFIED FINANCIAL PLANNER (TM) professionals can help you develop a clear, manageable plan, so you are consistently working toward a comfortable financial future. Best of all, your plan is conducted at no cost to you and with no further commitment. Find out more about Financial Planning.
>> Planning Options At A Glance
Financial Planning provided by First Tennessee Bank National Association.
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PRIVATE WEALTH ADVISORY GROUP
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Private Wealth Advisory Group – With a complimentary financial plan in hand, you will be able to see how simple or complex your financial needs really are. Chances are, your financial situation is always changing and is comprised of countless details that require constant attention and action. Dealing with these details can be time-consuming and stressful. Neglecting the details can be costly. The Private Wealth Advisory Group can help you with complex financial decisions and day-to-day activities, providing a high level of personal attention and ensuring professional results you just may not be able to achieve on your own. Regardless of the level of support you choose, our team stands eager to serve and dedicated to your satisfaction.
Should you decide to continue with our Private Wealth program, as a TBA member you are entitled to a 5% discount on your first year’s fees.
>> Planning Options At A Glance
Financial Planning provided by First Tennessee Bank National Association.
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Trust Services – A trust is simply peace of mind that the assets you’ve worked hard to accumulate will be there for your children and beyond. First Tennessee is highly experienced in the administration of all types of trusts and can help you evaluate your situation thoroughly and make the choice that best suits your needs.
As a TBA member, you get 10% off your first year’s fees.
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BUSINESS EQUIPMENT LEASING
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Business Equipment Leasing – The equipment and technology your business needs can be quite costly. First Tennessee Leasing provides an affordable solution. You can acquire the equipment you need to grow your business; or upgrade and replace your equipment if need be. And, you can manage your cash flow in the process.
First Tennessee Leasing Specifications:
Equipment Costs – $5,000 to $1 million.
Equipment Types – Many types of office automation, diagnostic, manufacturing, production, and computer equipment.
Term Lengths – 24 to 60 months (Term may be limited by credit quality and equipment type.)
Lease Arrangements
• True Lease with Fair Market Value Purchase Option
• Fixed Price Purchase Option Lease
• $1 Purchase Option Lease
• Co-Terminus Addenda to end leases simultaneously for multi-component equipment
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SUPPORT THE TENNESSEE BAR FOUNDATION
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IOLTA – The Interest On Lawyers' Trust Account program is a great way to ensure that the overall quality of justice remains high. That’s why First Tennessee is proud to offer our legal clients a hard-working IOLTA. In fact, through this special offer, you can earn a very competitive 1.3% APR on an FDIC-insured IOLTA at First Tennessee. Proceeds will be forwarded to support the Tennessee Bar Foundation’s IOLTA program, which has granted more than $13 million for legal aid, scholarships, etc. Join us in continuing to help make this important program successful.
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GET THE MOST FROM YOUR PERSONAL BANKING RELATIONSHIP
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Relationship First SM Checking – With Relationship FirstSM Checking, you can choose a checking account that not only offers you great standard benefits but also rewards you with "extras" that reflect your individual banking priorities.
Whether your banking is credit-oriented or savings-centered, or both, there's a Relationship FirstSM Checking account designed to help you get the maximum benefit.
Asset Manager account – Make the most of your savings-oriented goals.
Equity Manager account – Enhance the credit/loan relationship you have with us.
Financial Manager account – Combine the best of our savings- and credit-related benefits.
Just for TBA members, your first year fees will be waived for the Financial Manager account*.
>> To open your account and start saving, please view our special offer, print out this coupon and bring it with you to any Financial Center.
*The minimum requirement for this account is $50,000 combined balances in deposit and loan accounts with First Tennessee. If the minimum requirement is not met there is an $18 service charge per month. |
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WATCH YOUR PERSONAL SAVINGS GROW
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Relationship First SM Savings – Earn an outstanding 4.00% APY* for three months on your existing savings or enjoy a $100 bonus with a new Relationship FirstSM Savings account. It's the easiest way to get convenient access to your savings while earning a great return.
>> To open your account and start saving or add to your existing account, please print out this coupon and bring it with you to any Financial Center.
*Offer expires December 31, 2007.
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For a limited time, you can earn a CD rate bonus of as much as .75% when your checking is from First Tennessee. CDs are a secure, FDIC-insured way to grow your savings, while enjoying a better return.
>> To redeem this special offer, just print out this coupon and bring it in to any Financial Center.
*APY (annual percentage yield). Rates subject to change at any time. Rates available for CDs of up to $100,000 with a minimum deposit of $1,000. Penalty for early withdrawal. No institutional investors. ©2007 First Tennessee National Bank Association. Member FDIC.
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GET THE MONEY OUT OF YOUR HOUSE
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A Home Equity Line of Credit is a great way to take advantage of the equity in your house. And, with a great Prime minus 1%, up to 80% LTV*, there’s no better time than now to get the money you need to make home improvements, pay for unexpected expenses, or even take trip you always wanted to go on. It’s up to you!
*Offer expires 10/31/2007. Subject to credit approval. Customer must have a minimum FICO of 720 and meet other credit underwriting criteria to be eligible for the advertised offer. Some restrictions may apply. Maximum loan-to-value is 89.9%. Your Annual Percentage Rate (APR) will be as low as 1% below Prime. Your APR can vary monthly, based on the Prime Rate published daily in the Money Rates section of The Wall Street Journal. Prime was 7.75% as of October 16, 2007. Your rate can never exceed 21% APR. This offer cannot be used in conjunction with any other offer. All lines may be subject to a $50 Annual Fee, up to a 3.00% commitment fee, and closing costs ranging from $0 to $5,000, depending on the size of your line and other factors such as title insurance premiums and attorney’s fees. An Early Termination Fee of $500 will be charged for lines closed within the first 36 months for reasons other than casualty loss or refinance with First Tennessee. Property insurance required. Other rates and terms available for those who may not qualify for the discount rate. Consult your tax advisor regarding tax deductibility of interest.
Banking products and services provided by First Tennessee Bank National Association. Member FDIC. ©2007 First Tennessee Bank National Association. www.firsttennessee.com
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FIRST HORIZON MERCHANT SERVICES
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First Horizon Merchant Services, endorsed payment processor of the TBA, invites you to take advantage of the special discounted rates available to you as a member. Even if you are currently using another payment processor, call us for a free rate comparison. You have nothing to lose but higher fees!
Why First Horizon Merchant Service?
The exclusive provider of merchant services for First Tennessee Bank
Supported on the Nova Network, the #1 Rated Network for Speed and Availability
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Our proprietary, fully-redundant transaction processing network is rated by MasterCard® as the fastest and most reliable in the industry
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Innovative Products and Services
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Process all card types
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Wide range of terminals
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Online reporting
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Electronic Check Service - minimize risk, reduce costs and speed access to funds when you convert paper checks into electronic transactions
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Electronic Gift Cards - expand your market, increase revenue, and build customer loyalty – all with electronic efficiency
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End-to-end ownership
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FHMS is 100% responsible for front-end authorizations, back-end settlement, and all customer support functions. You have one source for all of your payment processing needs.
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Unparalleled Customer Service
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For additional rate, fee and cost information, please refer to the Depositor Agreement and Disclosure Statement.
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© Copyright 2008 Tennessee Bar Association |
