Exhibit 99.2

Certification pursuant to Section 111(b)(4) of the Emergency Economic Stabilization Act of 2008
as amended by the American Recovery and Reinvestment Act of 2009

I,
Frank Perez, Chief Financial Officer of Tennessee Commerce Bancorp, Inc. ("the "Company"), certify, based on my knowledge, that:

(i)    The
compensation committee of the Company has discussed, reviewed, and evaluated with senior risk officers at least every six months during the period beginning on the
later of September 14, 2009, or ninety days after the closing date of the agreement between the TARP recipient and Treasury and ending with the last day of the TARP recipient's fiscal year
containing that date (the applicable period), the senior executive officer ("SEO") compensation plans and the employee compensation plans and the risks these plans pose to the Company;

(ii)   The
compensation committee of the Company has identified and limited during the applicable period any features of the SEO compensation plans that could lead SEOs to
take unnecessary and excessive risks that could threaten the value of the Company, and during that same applicable period has identified any features of the employee compensation plans that pose risks
to the Company and has limited those features to ensure that the Company is not unnecessarily exposed to risks;

(iii)  The
compensation committee has reviewed, at least every six months during the applicable period, the terms of each employee compensation plan and identified any
features of the plan that could encourage the manipulation of reported earnings of the Company to enhance the compensation of an employee, and has limited any such features;

(iv)  The
compensation committee of the Company will certify to the reviews of the SEO compensation plans and employee compensation plans required under (i) and
(iii) above;

(v)   The
compensation committee of the Company will provide a narrative description of how it limited during any part of the most recently completed fiscal year that included
a TARP period the features in:



(vi)  The
Company has required that bonus payments, as defined in the regulations and guidance established under section 111 of EESA (bonus payments), of the SEOs and
20 next most highly compensated employees be subject to a recovery or "clawback" provision during any part of the most recently completed fiscal year that was a TARP period if the bonus payments were
based on materially inaccurate financial statements or any other materially inaccurate performance metric criteria;

(vii) The
Company has prohibited any golden parachute payment, as defined in the regulations and guidance established under section 111 of EESA, to an SEO or any of
the next five most highly compensated employees during the period beginning on the later of the closing date of the agreement between the TARP recipient and Treasury or June 15, 2009 and ending
with the last day of the TARP recipient's fiscal year containing that date;

(viii)  The
Company has limited bonus payments to its applicable employees in accordance with section 111 of EESA and the regulations and guidance established
thereunder during the period beginning on the later of the closing date of the agreement between the TARP recipient and Treasury or June 15, 2009 and ending with the last day of the TARP
recipient's fiscal year containing that date;

(ix)  The
board of directors of the Company has established an excessive or luxury expenditures policy, as defined in the regulations and guidance established under
section 111 of EESA, by the later of

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September 14,
2009, or ninety days after the closing date of the agreement between the TARP recipient and Treasury; this policy has been provided to Treasury and its primary regulatory agency;
the Company and its employees have complied with this policy during the applicable period; and any expenses that, pursuant to this policy, required approval of the board of directors, a committee of
the board of directors, an SEO, or an executive officer with a similar level of responsibility were properly approved;

(x)   The
Company will permit a non-binding shareholder resolution in compliance with any applicable Federal securities rules and regulations on the disclosures
provided under the Federal securities laws related to SEO compensation paid or accrued during the period beginning on the later of the closing date of the agreement between the TARP recipient and
Treasury or June 15, 2009 and ending with the last day of the TARP recipient's fiscal year containing that date;

(xi)  The
Company will disclose the amount, nature, and justification for the offering during the period beginning on the later of the closing date of the agreement between
the TARP recipient and Treasury or June 15, 2009 and ending with the last day of the TARP recipient's fiscal year containing that date of any perquisites, as defined in the regulations and
guidance established under section 111 of EESA, whose total value exceeds $25,000 for any employee who is subject to the bonus payment limitations identified in paragraph (viii);

(xii) The
Company will disclose whether the Company, the board of directors of the Company, or the compensation committee of the Company has engaged during the period
beginning on the later of the closing date of the agreement between the TARP recipient and Treasury or June 15, 2009 and ending with the last day of the TARP recipient's fiscal year containing
that date, a compensation consultant; and the services the compensation consultant or any affiliate of the compensation consultant provided during this period;

(xiii)  The
Company has prohibited the payment of any gross-ups, as defined in the regulations and guidance established under section 111 of EESA, to the
SEOs and the next 20 most highly compensated employees during the period beginning on the later of the closing date of the agreement between the TARP recipient and Treasury or June 15, 2009 and
ending with the last day of the TARP recipient's fiscal year containing that date;

(xiv)  The
Company has substantially complied with all other requirements related to employee compensation that are provided in the agreement between the Company and
Treasury, including any amendments;

(xv) The
Company has submitted to Treasury a complete and accurate list of the SEOs and the 20 next most highly compensated employees for the current fiscal year and the
most recently completed fiscal year, with the non-SEOs ranked in descending order of level of annual compensation, and with the name, title, and employer of each SEO and most highly
compensated employee identified; and

(xvi)  I
understand that a knowing and willful false or fraudulent statement made in connection with this certification may be punished by fine, imprisonment, or both.

Date: March 31, 2011

/s/ FRANK PEREZ Frank Perez, Chief Financial Officer


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