ASO Airshares EU Carbon

AmSouth Bank (NYSE: ASO) has announced that all branches in the Florida Panhandle will be closed Monday, July 11. Branches in Tallahassee and Jacksonville will be open. AmSouth will issue additional updates on reopening these branches as warranted. As a reminder, many banking services - such as balance inquiries, transferring funds between accounts and paying bills - are available at www.amsouth.com or through our TeleBanking Center at 1-800-AMSOUTH. The bank has also put a relief program in place to help customers suffering from the destruction caused by Hurricane Dennis. Offers available to customers affected by the storm include: -- ATM Fee Waiver - AmSouth's ATM fee will be waived for customers using other banks' ATMs in the affected areas. -- Home Equity Line of Credit - Customers may apply for a home equity line of credit with a variable interest rate of Prime - .50% (currently 5.75% APR) for the life of any transaction that posts in the first 30 days. Variable rates as low as Prime - .25% (currently 6.00% APR) are available for transactions that post after 30 days.* Plus, customers receive a $100 cash bonus with a new AmSouth Home Equity Line of Credit.** -- Special Unsecured Installment Loan Offer - Customers in areas affected by Hurricane Dennis who qualify for an unsecured loan will receive a special rate of 8.99% APR with no loan processing fee. -- Skip-A-Payment - Customers with an AmSouth home equity line of credit in an affected area who qualify will receive a message on their July statement that no minimum payment is due. Plus, customers with an AmSouth installment loan may apply to skip their next payment with no extension fee. -- Special Business Loan Program featuring discounted loan rates for working capital, construction or remodeling. About AmSouth AmSouth is a regional bank holding company with $50 billion in assets, more than 685 branch banking offices and 1,240 ATMs. AmSouth operates in Florida, Tennessee, Alabama, Mississippi, Louisiana and Georgia. AmSouth is a leader among regional banks in the Southeast in several key business segments, including consumer and commercial banking, small business banking, mortgage lending, equipment leasing, and trust and investment management services. AmSouth also offers a complete line of banking products and services at its web site, www.amsouth.com. Prime minus .50% (currently 5.75% as of 7/08/05) is available on transactions that post to your home equity line of credit for the first 30 days the account is open. This rate may vary. To qualify for this special pricing, you must either open or have an existing AmSouth checking account. If your home equity line of credit balance becomes 61 days past due, the promotional rate of Prime - 1/2% will revert back to the standard rate, calculated as described below. On transactions that post after the first 30 days, the Annual Percentage Rate (APR) at 80% loan to value and first lien position is currently as low as Prime minus 1/4%, currently 6.00% as of 7/08/05, and may vary. The APR is based on the Prime Rate minus a discount or plus a margin. The Prime Rate is merely a reference rate. The APR for your home equity line of credit will be based on several factors including your credit history and may be higher than the rate set out above. The maximum APR is 18%, except in Florida where it is 17%. AmSouth may pay your closing costs and fees. Closing costs are estimated to range between $150 and $1,500, depending on the amount of your home equity line, and may be waived based on line amount and initial advance. If you repay more than 25% of the amount initially advanced on your home equity line within 90 days, the portion of your closing costs paid by AmSouth will be charged back to your home equity line. The annual fee of $50 is waived as long as you make at least one advance per year on your account. If you close your Credit Line Account during the first three years after the Opening Date for any reason other than the sale of your Property, a prepayment penalty will be imposed as follows: $300 in the first year, $200 in the second year and $100 in the third year (except in Louisiana). Consult your tax advisor regarding the deductibility of interest. Your cash bonus will be paid to you by either cashier's check or a credit to your home equity line account after your rescission period ends. Offer and rates are subject to change without notice. Subject to credit approval. Some restrictions may apply. Contact your AmSouth Banker for details. Equal Housing Lender. Member FDIC.