X0201 4 2003-11-20 0 0000101844 NATIONAL COMMERCE FINANCIAL CORP NCF 0001189588 GARROTT THOMAS M ONE COMMERCE SQUARE MEMPHIS TN 38150 1 0 0 0 Common stock 2003-11-20 5 G 0 E 12000 0 D 1137719 D Common stock 2003-12-01 5 G 0 E 974786 0 D 162933 D Phantom Stock Units 26.9 2003-12-16 4 I 0 199 26.9 A 1988-08-08 1988-08-08 Common stock 199 97600 D Gifted by the Reporting Person to the Thomas M. Garrott 2003 Trust with respect to which the Reporting Person is the grantor and a beneficiary. Pursuant to the Issuer's Equity Investment Plan. One-for-one conversion to common stock of the Issuer. Pursuant to Issuer's Equity Investment Plan. Exercisable immediately; payable upon the Reporting Person's termination of employment with Issuer. Naudain L. Machen attorney-in-fact 2003-12-17