<SEC-DOCUMENT>0000930413-13-000295.txt : 20130123
<SEC-HEADER>0000930413-13-000295.hdr.sgml : 20130123
<ACCEPTANCE-DATETIME>20130123162703
ACCESSION NUMBER:		0000930413-13-000295
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20130115
ITEM INFORMATION:		Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20130123
DATE AS OF CHANGE:		20130123

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FIRST HORIZON NATIONAL CORP
		CENTRAL INDEX KEY:			0000036966
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				620803242
		STATE OF INCORPORATION:			TN
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-15185
		FILM NUMBER:		13543081

	BUSINESS ADDRESS:	
		STREET 1:		165 MADISON AVENUE
		CITY:			MEMPHIS
		STATE:			TN
		ZIP:			38103
		BUSINESS PHONE:		9018186232

	MAIL ADDRESS:	
		STREET 1:		165 MADISON AVENUE
		CITY:			MEMPHIS
		STATE:			TN
		ZIP:			38103

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FIRST TENNESSEE NATIONAL CORP
		DATE OF NAME CHANGE:	19920703

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FIRST TENNESSEE BANKS INC
		DATE OF NAME CHANGE:	19600201
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>c72339_8-k.htm
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 <P ALIGN=CENTER><FONT SIZE=2><B>UNITED STATES</B></FONT></P>
 </TD>
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 <P ALIGN=CENTER><FONT SIZE=2><B>SECURITIES AND EXCHANGE COMMISSION</B></FONT></P>
 </TD>
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 <P ALIGN=CENTER><FONT SIZE=2>WASHINGTON, DC 20549</FONT></P>
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 <P ALIGN=CENTER><FONT SIZE=4><B>FORM
 8-K</B></FONT></P>
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 <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P>
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 <P ALIGN=CENTER><FONT SIZE=2><B>CURRENT REPORT</B></FONT></P>
 </TD>
 </TR>
 <TR>
 <TD COLSPAN=3 VALIGN=TOP>
 <P ALIGN=CENTER><FONT SIZE=2><B>Pursuant to Section 13 or 15(d) of the
 Securities Exchange Act of 1934</B></FONT></P>
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 <P ALIGN=CENTER><FONT SIZE=2>Date of report (Date of earliest event reported): January 15, 2013</FONT></P>
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 <P ALIGN=CENTER><FONT SIZE=4><B>First
 Horizon National Corporation</B></FONT></P>
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 <P ALIGN=CENTER><FONT SIZE=2>(Exact Name of Registrant as Specified in Charter)</FONT></P>
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 <P ALIGN=CENTER><FONT SIZE=2><B>TN</B></FONT></P>
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 <P ALIGN=CENTER><FONT SIZE=2><B>001-15185</B></FONT></P>
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 <P ALIGN=CENTER><FONT SIZE=2><B>62-0803242</B></FONT></P>
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 <P ALIGN=CENTER><FONT SIZE=2>(State or Other Jurisdiction</FONT></P>
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 <P ALIGN=CENTER><FONT SIZE=2>(Commission File Number)</FONT></P>
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 <P ALIGN=CENTER><FONT SIZE=2>(IRS Employer</FONT></P>
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 <TD VALIGN=TOP>
 <P ALIGN=CENTER><FONT SIZE=2>of Incorporation)</FONT></P>
 </TD>
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 <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=TOP>
 <P ALIGN=CENTER><FONT SIZE=2>Identification No.)</FONT></P>
 </TD>
 </TR>
</TABLE>

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 <P ALIGN=CENTER><FONT SIZE=2><B>165 MADISON AVENUE</B></FONT></P>
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 <P ALIGN=CENTER><FONT SIZE=2><B>MEMPHIS, TENNESSEE</B></FONT></P>
 </TD>
 <TD VALIGN=TOP>
 <P ALIGN=CENTER><FONT SIZE=2><B>38103</B></FONT></P>
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 <P ALIGN=CENTER><FONT SIZE=2>(Address of Principal Executive Office)</FONT></P>
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 <P ALIGN=CENTER><FONT SIZE=2>(Zip Code)</FONT></P>
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 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
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<P ALIGN=CENTER><FONT SIZE=2>Registrant&#146;s telephone number, including area
code - <B>(901) 523-4444</B></FONT></P>

<P ALIGN=CENTER><FONT SIZE=2>(Former name or former address, if changed
from last report)</FONT></P>

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 <TD VALIGN=TOP STYLE="BORDER-BOTTOM:SOLID BLACK 1PX">&nbsp;

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<P><FONT SIZE=2>Check the
appropriate box below if the Form 8-K filing is intended to simultaneously
satisfy the filing obligation of the registrant under any of the following
provisions: </FONT></P>

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 <P><FONT SIZE=2 FACE=WINGDINGS>o</FONT></P>
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 <P><FONT SIZE=2>Written
 communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
 </FONT></P>
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 <P><FONT SIZE=2 FACE=WINGDINGS>o</FONT></P>
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 <P><FONT SIZE=2>Soliciting
 material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) </FONT></P>
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 <P><FONT SIZE=2>Pre-commencement
 communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR
 240.14d-2(b)) </FONT></P>
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 </TD>
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 <P><FONT SIZE=2>Pre-commencement
 communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR
 240.13e-4(c)) </FONT></P>
 </TD>
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<BR>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=4><P ALIGN=LEFT STYLE='PAGE-BREAK-BEFORE: ALWAYS'></P><PAGE>
<P><FONT SIZE=2><B>ITEM 5.02. Departure of Directors or Certain
Officers; Election of Directors; Appointment of Certain Officers; Compensatory
Arrangements of Certain Officers.</B></FONT></P>

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 <P><FONT SIZE=2>(e)</FONT></P>
 </TD>
 <TD VALIGN=TOP>
 <P><FONT SIZE=2><U>Executive
 Salaries Approved for 2013</U></FONT></P>
 </TD>
 </TR>
</TABLE>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On
January 22, 2013 the Compensation Committee of the Board of Directors approved
executive salaries for 2013. Changes approved by the Committee included: a 6.25% increase
in cash salary and a 32.8% increase in salary stock units for William C. Losch
III, Executive Vice President and Chief Financial Officer; and a 25% increase
in salary stock units for David T. Popwell, President &#150; Banking. All salary
changes are effective January 1, 2013. A description of 2013 salaries paid to
certain executives is filed herewith. </FONT></P>

<P><FONT SIZE=2><B>ITEM 8.01. Other Events</B></FONT></P>

<P><FONT SIZE=2><U>Waiver of Mandatory Retirement for Executive Officer</U></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section
7.2 of ARTICLE SEVEN of the Corporation&#146;s Bylaws provides, in substance, that
any officer or employee will experience an automatic retirement if (i) he or
she attains age 65 and (ii) for the two-year period immediately before
attaining such age he or she has been employed by the Corporation in a bona
fide executive or a high policy-making position. The Board of Directors has the
power under Section 7.2 to continue the service of such a person.</FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On
January 23, 2013, the Board of Directors exercised its power under Section 7.2
with respect to Charles T. Tuggle, Jr., the Corporation&#146;s Executive Vice
President and General Counsel. Mr. Tuggle presently is age 64. The effect of
the Board&#146;s action is to waive the automatic retirement of Mr. Tuggle upon his
attaining age 65 and to continue his service as an executive past that age.</FONT></P>

<P><FONT SIZE=2><U>Redesignation Date Related to First Tennessee Bank Preferred Stock </U></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On
July 22, 2005 First Horizon National Corporation (&#147;FHNC&#148;) filed a Current
Report on Form 8-K dated July 19, 2005 in which, under Item 8.01, FHNC reported
that its subsidiary, First Tennessee Bank National Association (the &#147;Bank&#148;),
had made a Declaration of Covenant dated as of July 20, 2005 (&#147;<I>Declaration</I>&#148;) in connection with certain
Bank Preferred Stock. The Declaration was made for the benefit of holders of
certain &#147;Covered Debt&#148; (as defined in the Declaration) outstanding from time to
time. The July 22, 2005 Current Report stated that the initial Covered Debt was
the Bank&#146;s 5.05% Subordinated Bank Notes Due January 15, 2015 (&#147;<I>2015 Notes</I>&#148;). </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
2015 Notes will mature January 15, 2015. In accordance with the Declaration,
January 15, 2013, the date two years preceding the maturity date of the 2015
Note, is a &#147;Redesignation Date.&#148; The day immediately prior to the Redesignation
Date was the final day on which the 2015 Notes were the Covered Debt. On the
Redesignation Date the Bank&#146;s 5.65% Subordinated Bank Notes due April 1, 2016
(CUSIP 337158-AE9) (&#147;<I>2016 Notes</I>&#148;) became the Covered Debt for
purposes of the Declaration.</FONT></P>

<div><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For
convenience, Item 8.01 of the July 19, 2005 Current Report is set forth below
in its entirety, amended and restated to conform to this change in Covered Debt
which became effective on the Redesignation Date.</FONT></div>

<div ALIGN=CENTER><FONT SIZE=2>* * * * *</FONT></div>

<P ALIGN=CENTER><FONT SIZE=2>2</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=4><P ALIGN=LEFT STYLE='PAGE-BREAK-BEFORE: ALWAYS'></P><PAGE>
<P><FONT SIZE=2>On March 23,
2005, First Horizon National Corporation&#146;s (&#147;<I>FHNC&#146;s</I>&#148;)
subsidiary, First Tennessee Bank National Association (&#147;<I>Bank</I>&#148;), issued 300,000 shares of Class A
Non-Cumulative Perpetual Preferred Stock (&#147;<I>Bank
Preferred Stock</I>&#148;). That issuance was the subject of FHNC&#146;s Current
Report on Form 8-K filed March 24, 2005.</FONT></P>

<P><FONT SIZE=2>The Bank has
made a Declaration of Covenant dated as of July 20, 2005 (&#147;<I>Declaration</I>&#148;) in connection with the Bank
Preferred Stock. Under the Declaration, the Bank has promised to redeem shares
of the Bank Preferred Stock only if and to the extent that the redemption price
is equal to or less than the New Equity Amount as of the date of redemption. &#147;<I>New Equity Amount</I>&#148; means, on any date,
the net proceeds to the Bank or subsidiaries of the Bank received during the
six months prior to such date from new issuances of common stock of the Bank or
of other securities or combinations of securities that</FONT></P>

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 <P>&nbsp;</P>
 </TD>
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 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=TOP>
 <P><FONT SIZE=2>(i)</FONT></P>
 </TD>
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 <P><FONT SIZE=2>qualify as
 Tier 1 capital of the Bank, and</FONT></P>
 </TD>
 </TR>
 <TR>
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 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
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 <P><FONT SIZE=2>(ii)</FONT></P>
 </TD>
 <TD VALIGN=TOP>
 <P><FONT SIZE=2>as
 reasonably determined in good faith by the Bank&#146;s Board of Directors, (x) on
 a liquidation or dissolution of the Bank rank <I>pari passu</I> with or junior
 to the Bank Preferred Stock (or, if all of the Bank Preferred Stock has been
 redeemed, would have ranked <I>pari passu</I> with or junior to the Bank
 Preferred Stock had it remained outstanding), (y) are perpetual, with no
 prepayment obligation on the part of the issuer, whether at the election of
 holders or otherwise (although such securities may be subject to early
 redemption at the option of the issuer), and (z) dividends or other
 distributions on which are non-cumulative;</FONT></P>
 </TD>
 </TR>
</TABLE>

<P><FONT SIZE=2><U>provided</U>, <U>however</U>, that the net
proceeds of such securities or combinations of securities (A)&nbsp;if issued to
any affiliate of the Bank other than its parent company, FHNC, shall not qualify as a New
Equity Amount and (B) if issued to FHNC shall qualify as a New Equity Amount
only if such securities or combinations of securities have been purchased by
FHNC with the net proceeds from new issuances of common stock of FHNC or of
securities or combinations of securities by FHNC during such six-month period
that</FONT></P>

<TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
 <TR STYLE="FONT-SIZE:1PX">
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 </TD>
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 </TD>
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 <P>&nbsp;</P>
 </TD>
 </TR>
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 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=TOP>
 <P><FONT SIZE=2>(i)</FONT></P>
 </TD>
 <TD VALIGN=TOP>
 <P><FONT SIZE=2>qualify as
 Tier 1 capital of FHNC and</FONT></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=TOP>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
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 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 </TR>
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 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=TOP>
 <P><FONT SIZE=2>(ii)</FONT></P>
 </TD>
 <TD VALIGN=TOP>
 <P><FONT SIZE=2>as
 reasonably determined in good faith by FHNC&#146;s Board of Directors, (x)&nbsp;on
 a liquidation or dissolution of the issuer rank junior to all indebtedness
 for money borrowed and claims of other creditors of the issuer, (y)&nbsp;are
 perpetual, with no prepayment obligation on the part of the issuer, whether
 at the election of holders or otherwise (although such securities may be
 subject to early redemption at the option of the issuer), and (z) dividends
 or other distributions on which are non-cumulative.</FONT></P>
 </TD>
 </TR>
</TABLE>

<P><FONT SIZE=2>The covenants
in the Declaration run in favor of persons that buy, hold, or sell debt of the
Bank during the period that such debt is &#147;<I>Covered
Debt.</I>&#148; The Bank&#146;s 5.65% Subordinated Bank Notes due April 1, 2016
(CUSIP 337158-AE9) (&#147;<I>2016 Notes</I>&#148;) are the Covered Debt
commencing as of January 15, 2013. Other debt, to the extent any qualifying
debt is then outstanding, may replace the 2016 Notes as the Covered Debt under
the Declaration on the earlier to occur of (x) the date two years prior to the
2016 Notes&#146; maturity, or (y) the date the Bank gives notice of a redemption of
the 2016 Notes such that, or the date 2016 Notes are repurchased in such an
amount that, the outstanding principal amount of 2016 Notes is or will become
less than $100 million.</FONT></P>

<P><FONT SIZE=2>The
Declaration is subject to various additional terms and conditions. The
Declaration may be terminated if the holders of at least 51% by principal
amount of the Covered Debt so agree, or if the Bank no longer has any long-term
indebtedness rated by a nationally recognized statistical rating organization.</FONT></P>

<P ALIGN=CENTER><FONT SIZE=2>3</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=4><P ALIGN=LEFT STYLE='PAGE-BREAK-BEFORE: ALWAYS'></P><PAGE>
<P><FONT SIZE=2>The summary
description of the Declaration in this report is qualified in its entirety by
the full terms of the Declaration, which are controlling.</FONT></P>

<P><FONT SIZE=2><B>ITEM 9.01. Financial Statements and Exhibits </B></FONT></P>

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 <P><FONT SIZE=2>(d)</FONT></P>
 </TD>
 <TD VALIGN=TOP>
 <P><FONT SIZE=2><U>Exhibits </U></FONT></P>
 </TD>
 </TR>
</TABLE>

<P><FONT SIZE=2>The following
exhibits are filed herewith: </FONT></P>

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 <P><FONT SIZE=2>Exhibit #</FONT></P>
 </TD>
 <TD VALIGN=TOP>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=TOP>
 <P><FONT SIZE=2>Description </FONT></P>
 </TD>
 <TD VALIGN=TOP>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 </TR>
 <TR STYLE="FONT-SIZE:1 PX">
 <TD VALIGN=TOP STYLE="BORDER-BOTTOM:SOLID BLACK 1PX">&nbsp;

 </TD>
 <TD VALIGN=TOP>
 <P>&nbsp;</P>
 </TD>
 <TD VALIGN=TOP STYLE="BORDER-BOTTOM:SOLID BLACK 1PX">&nbsp;

 </TD>
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 <P>&nbsp;</P>
 </TD>
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 <P><FONT SIZE=1>&nbsp;</FONT></P>
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 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD COLSPAN=2 VALIGN=TOP>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP>
 <P><FONT SIZE=2>10.1</FONT></P>
 </TD>
 <TD VALIGN=TOP>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD COLSPAN=2 VALIGN=TOP>
 <P><FONT SIZE=2>Description
 of 2013 Salaries for 2012 Named Executive Officers</FONT></P>
 </TD>
 </TR>
</TABLE>

<BR>

<div><FONT SIZE=2>All summaries
and descriptions of documents, and of amendments thereto, set forth above are
qualified in their entirety by the documents themselves, whether filed as an
exhibit hereto or filed as an exhibit to a later report.</FONT></div>

<div ALIGN=CENTER><FONT SIZE=2>* * * * *</FONT></div>

<P ALIGN=CENTER><FONT SIZE=2>4</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=4><P ALIGN=LEFT STYLE='PAGE-BREAK-BEFORE: ALWAYS'></P><PAGE>


<P ><FONT SIZE=2><B>SIGNATURES</B></FONT></P>

<P><FONT SIZE=2>Pursuant to
the requirements of the Securities Exchange Act of 1934, the registrant has
duly caused this report to be signed on its behalf by the undersigned hereunto
duly authorized. </FONT></P>

<TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
 <TR STYLE="FONT-SIZE:1PX">
 <TD WIDTH="47%" VALIGN=TOP>
 <P>&nbsp;</P>
 </TD>
 <TD WIDTH="3%" VALIGN=TOP>
 <P>&nbsp;</P>
 </TD>
 <TD WIDTH="25%" VALIGN=TOP>
 <P>&nbsp;</P>
 </TD>
 <TD WIDTH="23%" VALIGN=TOP>
 <P>&nbsp;</P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD COLSPAN=3 VALIGN=TOP>
 <P><FONT SIZE=2><B>First Horizon National Corporation</B></FONT></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD COLSPAN=2 VALIGN=TOP>
 <P><FONT SIZE=2>(Registrant)</FONT></P>
 </TD>
 <TD VALIGN=TOP>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=TOP>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=TOP>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=TOP>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP>
 <P><FONT SIZE=2>Date:
 January 23,
 2013</FONT></P>
 </TD>
 <TD VALIGN=TOP>
 <P><FONT SIZE=2>By: </FONT></P>
 </TD>
 <TD VALIGN=TOP>
 <P><FONT SIZE=2>/s/ Clyde A.
 Billings, Jr.</FONT></P>
 </TD>
 <TD VALIGN=TOP>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 </TR>
 <TR STYLE="FONT-SIZE:1 PX">
 <TD VALIGN=TOP>
 <P>&nbsp;</P>
 </TD>
 <TD VALIGN=TOP>
 <P>&nbsp;</P>
 </TD>
 <TD VALIGN=TOP STYLE="BORDER-BOTTOM:SOLID BLACK 1PX">&nbsp;

 </TD>
 <TD VALIGN=TOP>
 <P>&nbsp;</P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=TOP>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=TOP>
 <P><FONT SIZE=2><I>Senior Vice President, Assistant</I></FONT></P>
 </TD>
 <TD VALIGN=TOP>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=TOP>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD COLSPAN=2 VALIGN=TOP>
 <P><FONT SIZE=2><I>General Counsel, and Corporate Secretary </I></FONT></P>
 </TD>
 </TR>
</TABLE>
<P ALIGN=CENTER><FONT SIZE=2>5</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=4><P ALIGN=LEFT STYLE='PAGE-BREAK-BEFORE: ALWAYS'></P><PAGE>
<P ALIGN=CENTER><FONT SIZE=2><U>EXHIBIT INDEX</U></FONT></P>

<TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
 <TR STYLE="FONT-SIZE:1PX">
 <TD WIDTH="9%" VALIGN=TOP>
 <P>&nbsp;</P>
 </TD>
 <TD WIDTH="90%" VALIGN=TOP>
 <P>&nbsp;</P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP>
 <P><FONT SIZE=2>EX-10.1</FONT></P>
 </TD>
 <TD VALIGN=TOP>
 <P><FONT SIZE=2>Description
 of 2013 Salaries for 2012 Named Executive Officers</FONT></P>
 </TD>
 </TR>
</TABLE>

<BR>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=4>

</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.1
<SEQUENCE>2
<FILENAME>c72339_ex10-1.htm
<DESCRIPTION>DESCRIPTION OF 2013 SALARIES FOR 2012 NAMED EXECUTIVE OFFICERS
<TEXT>
<HTML>
<HEAD><TITLE></TITLE></HEAD>
<BODY>

<P ALIGN=RIGHT><FONT SIZE=2><U>EXHIBIT 10.1</U></FONT></P>

<P ALIGN=CENTER><FONT SIZE="2">DESCRIPTION OF 2013 SALARIES FOR<BR>
<U>2012 NAMED EXECUTIVE OFFICERS</U> </FONT></P>

<P ALIGN=CENTER><FONT SIZE=2>(Updated and restated as of January 22, 2013)</FONT></P>

<P><FONT SIZE=2>Salaries for
executive officers consist of two components: cash, and salary stock units.
Salary stock units are credited periodically during the year and are paid in
accordance with a written program.</FONT></P>

<P><FONT SIZE=2>Annualized
salary rates effective January 1, 2013 for the current executive officers of
the Company who are expected to be named in the executive compensation
disclosures of the Company&#146;s 2013 proxy statement in relation to fiscal year
2012 (&#147;2012 Named Executive Officers&#148;) are:</FONT></P>

<TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="45%" ALIGN=CENTER>
 <TR STYLE="FONT-SIZE:1PX">
 <TD WIDTH="15%" VALIGN=BOTTOM>
 <P>&nbsp;</P>
 </TD>
 <TD WIDTH="10%" VALIGN=BOTTOM>
 <P>&nbsp;</P>
 </TD>
 <TD WIDTH="4%" VALIGN=BOTTOM>
 <P>&nbsp;</P>
 </TD>
 <TD WIDTH="1%" VALIGN=BOTTOM>
 <P>&nbsp;</P>
 </TD>
 <TD WIDTH="15%" VALIGN=BOTTOM>
 <P ALIGN=RIGHT>&nbsp;</P>
 </TD>
 <TD WIDTH="4%" VALIGN=BOTTOM>
 <P>&nbsp;</P>
 </TD>
 <TD WIDTH="1%" VALIGN=BOTTOM>
 <P>&nbsp;</P>
 </TD>
 <TD WIDTH="23%" VALIGN=BOTTOM>
 <P ALIGN=RIGHT>&nbsp;</P>
 </TD>
 <TD WIDTH="2%" VALIGN=BOTTOM>
 <P>&nbsp;</P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=BOTTOM>
 <P ALIGN=RIGHT><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=BOTTOM nowrap>
 <P ALIGN=RIGHT><FONT SIZE=2>Officer Name</FONT></P>
 </TD>
 <TD VALIGN=BOTTOM>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD COLSPAN=2 VALIGN=BOTTOM>
 <P ALIGN=CENTER><FONT SIZE=2>2013<BR>
 Cash Salary</FONT></P>
 </TD>
 <TD VALIGN=BOTTOM>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD COLSPAN=2 VALIGN=BOTTOM>
 <P ALIGN=CENTER><FONT SIZE=2>2013<BR>
 Salary Stock Units</FONT></P>
 </TD>
 <TD VALIGN=BOTTOM>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 </TR>
 <TR STYLE="FONT-SIZE:1 PX">
 <TD VALIGN=BOTTOM>
 <P ALIGN=RIGHT>&nbsp;</P>
 </TD>
 <TD VALIGN=BOTTOM STYLE="BORDER-BOTTOM:SOLID BLACK 1PX">&nbsp;

 </TD>
 <TD VALIGN=BOTTOM>
 <P>&nbsp;</P>
 </TD>
 <TD COLSPAN=2 VALIGN=BOTTOM STYLE="BORDER-BOTTOM:SOLID BLACK 1PX">&nbsp;

 </TD>
 <TD VALIGN=BOTTOM>
 <P>&nbsp;</P>
 </TD>
 <TD COLSPAN=2 VALIGN=BOTTOM STYLE="BORDER-BOTTOM:SOLID BLACK 1PX">&nbsp;

 </TD>
 <TD VALIGN=BOTTOM>
 <P>&nbsp;</P>
 </TD>
 </TR>
 <TR>
 <TD COLSPAN=2 VALIGN=BOTTOM BGCOLOR="#E5FFFF">
 <P ALIGN=RIGHT><FONT SIZE=2>D. Bryan Jordan</FONT></P>
 </TD>
 <TD VALIGN=BOTTOM BGCOLOR="#E5FFFF">
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=BOTTOM BGCOLOR="#E5FFFF">
 <P><FONT SIZE=2>$</FONT></P>
 </TD>
 <TD VALIGN=BOTTOM BGCOLOR="#E5FFFF">
 <P ALIGN=RIGHT><FONT SIZE=2>760,000</FONT></P>
 </TD>
 <TD VALIGN=BOTTOM BGCOLOR="#E5FFFF">
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=BOTTOM BGCOLOR="#E5FFFF">
 <P><FONT SIZE=2>$</FONT></P>
 </TD>
 <TD VALIGN=BOTTOM BGCOLOR="#E5FFFF">
 <P ALIGN=RIGHT><FONT SIZE=2>304,000</FONT></P>
 </TD>
 <TD VALIGN=BOTTOM BGCOLOR="#E5FFFF">
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 </TR>
 <TR>
 <TD COLSPAN=2 VALIGN=BOTTOM>
 <P ALIGN=RIGHT><FONT SIZE=2>William C. (B.J.) Losch III</FONT></P>
 </TD>
 <TD VALIGN=BOTTOM>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=BOTTOM>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=BOTTOM>
 <P ALIGN=RIGHT><FONT SIZE=2>425,000</FONT></P>
 </TD>
 <TD VALIGN=BOTTOM>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=BOTTOM>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=BOTTOM>
 <P ALIGN=RIGHT><FONT SIZE=2>212,500</FONT></P>
 </TD>
 <TD VALIGN=BOTTOM>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 </TR>
 <TR>
 <TD COLSPAN=2 VALIGN=BOTTOM BGCOLOR="#E5FFFF">
 <P ALIGN=RIGHT><FONT SIZE=2>Michael E. Kisber</FONT></P>
 </TD>
 <TD VALIGN=BOTTOM BGCOLOR="#E5FFFF">
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=BOTTOM BGCOLOR="#E5FFFF">
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=BOTTOM BGCOLOR="#E5FFFF">
 <P ALIGN=RIGHT><FONT SIZE=2>600,000</FONT></P>
 </TD>
 <TD VALIGN=BOTTOM BGCOLOR="#E5FFFF">
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=BOTTOM BGCOLOR="#E5FFFF">
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=BOTTOM BGCOLOR="#E5FFFF">
 <P ALIGN=RIGHT><FONT SIZE=2>900,000</FONT></P>
 </TD>
 <TD VALIGN=BOTTOM BGCOLOR="#E5FFFF">
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 </TR>
 <TR>
 <TD COLSPAN=2 VALIGN=BOTTOM>
 <P ALIGN=RIGHT><FONT SIZE=2>David T. Popwell</FONT></P>
 </TD>
 <TD VALIGN=BOTTOM>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=BOTTOM>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=BOTTOM>
 <P ALIGN=RIGHT><FONT SIZE=2>450,000</FONT></P>
 </TD>
 <TD VALIGN=BOTTOM>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=BOTTOM>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=BOTTOM>
 <P ALIGN=RIGHT><FONT SIZE=2>225,000</FONT></P>
 </TD>
 <TD VALIGN=BOTTOM>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 </TR>
 <TR>
 <TD COLSPAN=2 VALIGN=BOTTOM BGCOLOR="#E5FFFF">
 <P ALIGN=RIGHT><FONT SIZE=2>Charles T. Tuggle, Jr.*</FONT></P>
 </TD>
 <TD VALIGN=BOTTOM BGCOLOR="#E5FFFF">
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=BOTTOM BGCOLOR="#E5FFFF">
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=BOTTOM BGCOLOR="#E5FFFF">
 <P ALIGN=RIGHT><FONT SIZE=2>475,000</FONT></P>
 </TD>
 <TD VALIGN=BOTTOM BGCOLOR="#E5FFFF">
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=BOTTOM BGCOLOR="#E5FFFF">
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=BOTTOM BGCOLOR="#E5FFFF">
 <P ALIGN=RIGHT><FONT SIZE=2>190,000</FONT></P>
 </TD>
 <TD VALIGN=BOTTOM BGCOLOR="#E5FFFF">
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 </TR>
</TABLE>


<P><FONT SIZE=2>Salary rates
generally continue in effect until they are changed.</FONT></P>

<TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
 <TR STYLE="FONT-SIZE:1PX">
 <TD WIDTH="3%" VALIGN=TOP>
 <P>&nbsp;</P>
 </TD>
 <TD WIDTH="12%" VALIGN=TOP>
 <P>&nbsp;</P>
 </TD>
 <TD WIDTH="85%" VALIGN=TOP>
 <P>&nbsp;</P>
 </TD>
 </TR>
 <TR STYLE="FONT-SIZE:1 PX">
 <TD COLSPAN=2 VALIGN=TOP STYLE="BORDER-BOTTOM:SOLID BLACK 1PX">&nbsp;

 </TD>
 <TD VALIGN=TOP>
 <P>&nbsp;</P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP>
 <P><FONT SIZE=2>*</FONT></P>
 </TD>
 <TD COLSPAN=2 VALIGN=TOP>
 <P><FONT SIZE=2>Based on
 currently available information, the Company expects to elect to name Mr.
 Tuggle in the 2013 Proxy Statement. The Company expects that the rules
 applicable to the Proxy Statement&#146;s content will not require him to be named
 or otherwise included. No such elective inclusion is a concession that Mr. Tuggle
 is required to be named.</FONT></P>
 </TD>
 </TR>
</TABLE>

<BR>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=4>
</BODY>
</HTML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
