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 First Tennessee National Corp. said
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 it would take a $4 million charge in the fourth quarter,
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 as a result of plans
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 to expand its systems operation.
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 The banking company said
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 it reached an agreement in principle with International Business Machines Corp. on a systems operations contract
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 calling for IBM to operate First Tennessee's computer and telecommunications functions.
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 Further, under the agreement, First Tennesse would continue to develop the software 
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that creates customer products and sevices.
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 Because personal computers will soon be on the desks of all of our tellers, and customer service and loan representatives,
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 information will be instantly available to help customers with product decisions and provide them with information about their accounts, 
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according to John Kelley, executive vice president and corporate services group manager at First Tennessee.
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 However, about 120 employees will be affected by the agreement.
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Problem-Solution

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 First Tennessee,
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 assisted by IBM,
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 said 
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it will attempt to place the employees within the company, IBM or other companies in Memphis.
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 The process will take as many as six months to complete,
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 the company said.
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attribution

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 The agreement is subject to the banking company's board approval,
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 which is expected next month.
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elaboration-object-attribute-e

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result

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elaboration-additional

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attribution

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