Pinnacle Financial to Participate in Raymond James and Associates 2005

    Business Editors
    Raymond James and Associates 2005 Institutional Investor
    Conference

    NASHVILLE, Tenn.--(BUSINESS WIRE)--March 3, 2005--Pinnacle Financial Partners Inc. (Nasdaq: PNFP) today said that its management will participate in the Raymond James and Associates 2005 Institutional Investor Conference in Orlando, Fla. M. Terry Turner, president and chief executive officer, and Harold R. Carpenter, executive vice president and chief financial officer, will represent the company at the conference.
    Pinnacle's investor presentation is scheduled to begin at 9:50 a.m. ET on Tues., March 8, 2005, and will be available to investors via a live audio webcast. The presentation should last approximately 30 minutes. A link to the live webcast can be found at the company's website, http://www.pnfp.com/events. The event will be archived for replay for a period of 90 days.
    Pinnacle Financial Partners, founded in 2000, is the largest financial institution headquartered in Nashville. The company offers a full line of financial services and advice to meet all the investment, deposit and borrowing needs of small- to medium-sized businesses and their owners/managers. Pinnacle provides financial planning services by a certified financial planner (CFP (R)), and many of the firm's senior financial advisors provide comprehensive wealth management services to help clients protect and distribute their assets. The firm operates offices in the downtown, Green Hills, Rivergate and West End areas of Nashville, and in the Brentwood, Cool Springs and Franklin areas of Williamson County, Tenn. Pinnacle plans to open its eighth office in Hendersonville, Tenn., by mid-2005.
    Additional information concerning Pinnacle can be accessed at www.pnfp.com.
    Certain of the statements in this release may constitute forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended (the "Securities Act"). The words "expect," "anticipate," "intend," "plan," "believe," "seek," "estimate" and similar expressions are intended to identify such forward-looking statements, but other statements not based on historical information may also be considered forward-looking. All forward-looking statements are subject to risks, uncertainties and other facts that may cause the actual results, performance or achievements of Pinnacle to differ materially from any results expressed or implied by such forward-looking statements. Such factors include, without limitation, (i) unanticipated deterioration in the financial condition of borrowers resulting in significant increases in loan losses and provisions for those losses, (ii) increased competition with other financial institutions, (iii) lack of sustained growth in the economy in the Nashville, Tennessee area, (iv) rapid fluctuations or unanticipated changes in interest rates, (v) the inability of Pinnacle to satisfy regulatory requirements for its expansion plans, (vi) the inability of Pinnacle to execute its branch expansion plans and (vii) changes in the legislative and regulatory environment. A more detailed description of these and other risks is contained in Pinnacle's most recent annual report on Form 10-K. Many of such factors are beyond Pinnacle's ability to control or predict, and readers are cautioned not to put undue reliance on such forward-looking statements. Pinnacle disclaims any obligation to update or revise any forward-looking statements contained in this release, whether as a result of new information, future events or otherwise.

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CONTACT: Pinnacle Financial Partners Inc. Media Contact: Vicki Kessler, 615-320-7532 or Financial Contact: Harold Carpenter, 615-744-3742 Website: www.pnfp.com

KEYWORD: TENNESSEE FLORIDA INDUSTRY KEYWORD: BANKING TRADESHOW CONFERENCE CALLS SOURCE: Pinnacle Financial Partners Inc.

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