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Seeing a need in 2007 to provide a sophisticated level of asset management for its customers, First Tennessee Bank formed First Tennessee Advisory Services, Inc. a registered investment advisor and a wholly-owned subsidiary of First Tennessee National Bank Association. In June 2013, First Tennessee Advisory Services, Inc. combined with its affiliated broker-dealer and was renamed FTB Advisors, Inc. Headquartered in Memphis, FTB Advisors, Inc. has grown its managed asset base to almost $3.6 billion as of 3/31/13.

Since its inception, the firm has operated under the leadership of Chief Investment Officer, Gerald Laurain, and President Karen Kruse. Both Laurain and Kruse bring decades of investment advisory experience to the relationships FTB Advisors maintains with its clients.

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Insurance Products, Investments & Annuities: Not A Deposit | Not Guaranteed By The Bank Or Its Affiliates | Not FDIC Insured | Not Insured By Any Federal Government Agency | May Go Down In Value

Insurance Products and Annuities:  May be purchased from any agent or company, and the customer’s choice will not affect current or future credit decisions.

FTB Advisors is the trade name for wealth management products and services provided by First Tennessee Bank National Association (“FTB”) and its affiliates. Financial planning and trust services provided by FTB. Investment management services, investments and annuities available through FTB Advisors, Inc., member FINRA, SIPC, and a subsidiary of FTB. Arkansas License # 416584. Insurance products available through FTB Advisors Insurance Services, Inc. (”FTBIS”), a subsidiary of FTB. Arkansas License # 247414. In some states, insurance products and annuities are provided by First Horizon Insurance Services, Inc. (“FHIS”), a Tennessee corporation, and a subsidiary of FTB. The principal place of business of FHIS is 165 Madison Ave., Memphis, TN 38103. California License # OD12174. FTBIS, FTB Advisors, Inc., and FHIS may transact insurance business or offer annuities only in states where they are licensed or where they are exempted or excluded from state insurance licensing requirements. FTB Advisors does not offer tax or legal advice. You should consult your personal tax and/or legal advisor concerning your individual situation.

©2014 First Tennessee Bank National Association. www.firsttennessee.com