*The interest rate paid on the First TN Interest Bearing Account is the Federal Open Market Committee (FOMC) Federal Funds Target Rate, as set from time to time by the FOMC, minus a discount of 0.50% (50 basis points) retained by the financial institution, and minus the program management fee of 0.20% (20 basis points). If the FOMC sets the rate using a range, the rate that will be used shall be the highest rate in the range. Daily interest is calculated by multiplying each day’s rate in effect, minus the discount and program management fee, by the invested balance amount that day, divided by 365 (calendar days). The aggregate of each day’s interest during a calendar month will be credit to the applicable Account on a monthly basis, on the first day of the following month, and will be reflected on the Participant’s Account statement as of the last business day of each month. [Additional information on the FOMC’s Federal Funds Target Rate can be found at https://www.federalreserve.gov/monetarypolicy/openmarket.htm.]