<SEC-DOCUMENT>0000930413-13-001746.txt : 20130320
<SEC-HEADER>0000930413-13-001746.hdr.sgml : 20130320
<ACCEPTANCE-DATETIME>20130320140248
ACCESSION NUMBER:		0000930413-13-001746
CONFORMED SUBMISSION TYPE:	DEFA14A
PUBLIC DOCUMENT COUNT:		6
FILED AS OF DATE:		20130320
DATE AS OF CHANGE:		20130320
EFFECTIVENESS DATE:		20130320

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:		DEFA14A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-15185
		FILM NUMBER:		13704420

	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>
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<TYPE>DEFA14A
<SEQUENCE>1
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<P STYLE="margin: 0"></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 10.05pt 0 0; text-align: center"><B>UNITED STATES</B></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>SECURITIES AND EXCHANGE COMMISSION</B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Washington, D.C. 20549</B></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 11.7pt 0 0; text-align: center"><B>SCHEDULE 14A</B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>(Rule 14a-101)</B></P>

<P STYLE="font: 13.5pt Times New Roman, Times, Serif; margin: 0; text-align: center">&#160;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>INFORMATION REQUIRED IN PROXY STATEMENT</B></P>

<P STYLE="font: 13.5pt Times New Roman, Times, Serif; margin: 11.7pt 0 0; text-align: center"><B>SCHEDULE 14A INFORMATION</B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 11.7pt 0 0; text-align: center"><B>Proxy Statement Pursuant to Section
14(a) of the Securities</B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Exchange Act of 1934 (Amendment No.&#160;&#160;
)</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&#160;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Filed by the Registrant &#160;&#160;<FONT STYLE="font-family: Wingdings">x</FONT>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Filed by a Party other than the Registrant <FONT STYLE="font-family: Wingdings 2">&#163;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10.05pt 0 0">Check the appropriate box:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&#160;</P>

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    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Preliminary Proxy Statement</FONT></TD></TR>
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<P STYLE="font: 5pt Times New Roman, Times, Serif; margin: 0">&#160;</P>

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    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Confidential, for Use of the Commission Only (as permitted by Rule&#160;14a-6(e)(2))</B></FONT></TD></TR>
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<P STYLE="font: 5pt Times New Roman, Times, Serif; margin: 0">&#160;</P>

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    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Definitive Proxy Statement</FONT></TD></TR>
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<P STYLE="font: 5pt Times New Roman, Times, Serif; margin: 0">&#160;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%; font: 10pt Wingdings"><FONT STYLE="font: 10pt Wingdings">x</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Definitive Additional Materials</FONT></TD></TR>
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<P STYLE="font: 5pt Times New Roman, Times, Serif; margin: 0">&#160;</P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><FONT STYLE="font-family: Wingdings 2">&#163;</FONT></FONT></TD>
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<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>FIRST HORIZON NATIONAL CORPORATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>(Name of Registrant as Specified In Its Charter)</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 15.05pt 0 0; text-align: center"><B>(Name of Person(s) Filing Proxy
Statement, if other than the Registrant)</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 15.05pt 0 0">Payment of Filing Fee (Check the appropriate box):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&#160;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&#160;</P>

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    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Fee computed on table below per Exchange Act Rules&#160;14a-6(i)(1) and 0-11.</FONT></TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&#160;</P>

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    <TD STYLE="vertical-align: top; width: 4%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(1)</FONT></TD>
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    <TD STYLE="vertical-align: top; width: 4%; font-size: 10pt"><FONT STYLE="font-size: 10pt">(4)</FONT></TD>
    <TD STYLE="vertical-align: top; font-size: 10pt"><FONT STYLE="font-size: 10pt">Proposed maximum aggregate value of transaction:</FONT></TD></TR>
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    <TD STYLE="vertical-align: top; width: 3%; font-size: 10pt"><FONT STYLE="font-size: 10pt">(5)</FONT></TD>
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    <TD STYLE="vertical-align: top; font-size: 10pt"><FONT STYLE="font-size: 10pt">Total fee paid:</FONT></TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&#160;</P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%; font-size: 10pt"><FONT STYLE="font-size: 10pt"><FONT STYLE="font-family: Wingdings 2">&#163;</FONT></FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">Fee paid previously with preliminary materials.</FONT></TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&#160;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%; font-size: 10pt"><FONT STYLE="font-family: Wingdings 2">&#163;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">Check box if any part of the fee is offset as provided by Exchange Act Rule&#160;0-11(a)(2) and identify the filing for which the offsetting fee was paid previously. Identify the previous filing by registration statement number, or the Form or Schedule and the date of its filing.</FONT></TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&#160;</P>

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    <TD STYLE="vertical-align: top; font-size: 10pt"><FONT STYLE="font-size: 10pt">Amount Previously Paid:</FONT></TD></TR>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif">
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    <TD STYLE="vertical-align: top; width: 4%; font-size: 10pt"><FONT STYLE="font-size: 10pt">(2)</FONT></TD>
    <TD STYLE="vertical-align: top; font-size: 10pt"><FONT STYLE="font-size: 10pt">Form, Schedule or Registration Statement No.:</FONT></TD></TR>
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    <TD STYLE="vertical-align: top; width: 4%; font-size: 10pt"><FONT STYLE="font-size: 10pt">(3)</FONT></TD>
    <TD STYLE="vertical-align: top; font-size: 10pt"><FONT STYLE="font-size: 10pt">Filing Party:</FONT></TD></TR>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif">
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    <TD STYLE="vertical-align: top; width: 4%; font-size: 10pt"><FONT STYLE="font-size: 10pt">(4)</FONT></TD>
    <TD STYLE="vertical-align: top; font-size: 10pt"><FONT STYLE="font-size: 10pt">Date Filed:</FONT></TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&#160;</P>


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



<BR>

<TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
 <TR STYLE="FONT-SIZE:1PX">
 <TD WIDTH="15%" VALIGN=TOP>
 <P>&nbsp;</P>
 </TD>
 <TD WIDTH="50%" VALIGN=TOP>
 <P>&nbsp;</P>
 </TD>
 <TD WIDTH="35%" VALIGN=TOP>
 <P>&nbsp;</P>
 </TD>
 </TR>
 <TR>
 <TD ROWSPAN=3 VALIGN=BOTTOM STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><IMG SRC="c72736001_v1.jpg" ALT="(FIRST HORIZON LOGO)"></P>
 </TD>
 <TD VALIGN=TOP STYLE='BORDER:NONE;BORDER-RIGHT:SOLID BLACK .5PT;PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>Shareowner
 Services</FONT></P>
 </TD>
 <TD ROWSPAN=3 VALIGN=TOP STYLE='BORDER-TOP:SOLID BLACK .5PT;PADDING:8PX;BORDER-LEFT:NONE;BORDER-BOTTOM:SOLID BLACK .5PT;BORDER-RIGHT:SOLID BLACK .5PT'>
 <P><FONT SIZE=2 FACE=ARIAL><B>COMPANY #</B></FONT></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP STYLE='BORDER:NONE;BORDER-RIGHT:SOLID BLACK .5PT;PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>P.O. Box 64945</FONT></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP STYLE='BORDER:NONE;BORDER-RIGHT:SOLID BLACK .5PT;PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>St. Paul, MN
 55164-0945 </FONT></P>
 </TD>
 </TR>
</TABLE>

<BR>

<TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
 <TR STYLE="FONT-SIZE:1PX">
 <TD WIDTH="65%" VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P>&nbsp;</P>
 </TD>
 <TD WIDTH="35%" VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P ALIGN=CENTER>&nbsp;</P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P ALIGN=CENTER><FONT SIZE=2  FACE=ARIAL><B>FIRST HORIZON NATIONAL CORPORATION</B></FONT></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P ALIGN=CENTER><FONT SIZE=2  FACE=ARIAL><B>ANNUAL MEETING</B></FONT></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P ALIGN=CENTER><FONT SIZE=2  FACE=ARIAL><B>May 2, 2013</B></FONT></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P ALIGN=CENTER><FONT SIZE=2  FACE=ARIAL><B>10:00 a.m. Central time</B></FONT></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P ALIGN=CENTER><FONT SIZE=2  FACE=ARIAL><B>FIRST TENNESSEE BUILDING</B></FONT></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P ALIGN=CENTER><FONT SIZE=2  FACE=ARIAL><B>M-Level Auditorium</B></FONT></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P ALIGN=CENTER><FONT SIZE=2  FACE=ARIAL><B>165 Madison Avenue</B></FONT></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P ALIGN=CENTER><FONT SIZE=2  FACE=ARIAL><B>Memphis, TN 38103</B></FONT></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P ALIGN=CENTER><FONT SIZE=2  FACE=ARIAL>Directions to the Annual Meeting</FONT></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P ALIGN=CENTER><FONT SIZE=2  FACE=ARIAL>can be obtained by contacting our</FONT></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P ALIGN=CENTER><FONT SIZE=2  FACE=ARIAL>Community Relations office at 866-365-4313.</FONT></P>
 </TD>
 </TR>
</TABLE>
<P ALIGN=CENTER><FONT SIZE=3 FACE=ARIAL><B>Important Notice of Availability of Proxy Materials for the<BR>
Shareholder Meeting to be Held on May 2, 2013.</B></FONT></P>

<P><FONT SIZE=2 FACE=ARIAL><B>Notice is hereby given that the Annual Meeting of Shareholders of First
Horizon National Corporation will be held at the First Tennessee Building,
M-Level Auditorium, 165 Madison Avenue, Memphis, TN on May 2, 2013 at 10:00
a.m. Central time.</B></FONT></P>

<P><FONT SIZE=2 FACE=ARIAL><B>This communication presents only an overview of the more complete proxy
materials that are available to you on the Internet. We encourage you to access
and review all of the important information contained in the proxy materials
before voting.</B></FONT></P>

<P><FONT SIZE=2 FACE=ARIAL><B>The Proxy Statement, Proxy Card and Annual Report are available at
<U>http://ir.fhnc.com/annual-proxy.cfm</U></B></FONT></P>

<P><FONT SIZE=2 FACE=ARIAL><B>If you want to receive a paper copy or an email with links to the
electronic materials, you must request one. There is no charge to you for
requesting a copy. Please make your request for a copy as instructed on the
reverse side of this notice on or before April 19, 2013, to facilitate timely
delivery.</B></FONT></P>

<TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
 <TR STYLE="FONT-SIZE:1PX">
 <TD WIDTH="100%" VALIGN=TOP STYLE='BORDER:NONE;BORDER-BOTTOM:  SOLID BLACK 4.5PT;PADDING:0IN 0IN 0IN 0IN'>
 <P>&nbsp;</P>
 </TD>
 </TR>
</TABLE>

<P ALIGN=CENTER><FONT SIZE=3 FACE=ARIAL><B>Matters intended to be acted upon at the meeting are listed below.</B></FONT></P>

<P STYLE="MARGIN-LEFT:3%"><FONT SIZE=2 FACE=ARIAL><B>The Board of Directors recommends that you vote FOR the following proposals:</B></FONT></P>

<TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
 <TR STYLE="FONT-SIZE:1PX">
 <TD WIDTH="3%" VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P>&nbsp;</P>
 </TD>
 <TD WIDTH="3%" VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P>&nbsp;</P>
 </TD>
 <TD WIDTH="3%" VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P>&nbsp;</P>
 </TD>
 <TD WIDTH="28%" VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P>&nbsp;</P>
 </TD>
 <TD WIDTH="3%" VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P>&nbsp;</P>
 </TD>
 <TD WIDTH="28%" VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P>&nbsp;</P>
 </TD>
 <TD WIDTH="3%" VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P>&nbsp;</P>
 </TD>
 <TD WIDTH="28%" VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P>&nbsp;</P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>1.</FONT></P>
 </TD>
 <TD COLSPAN=6 VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>Election of eleven directors to
 serve until the 2014 Annual Meeting of Shareholders:</FONT></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>01</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>Robert B. Carter</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>05</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>Vicky B. Gregg</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>09</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>Vicki R. Palmer</FONT></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>02</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>John C. Compton</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>06</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>D. Bryan Jordan</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>10</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>Colin V. Reed</FONT></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>03</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>Mark A. Emkes</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>07</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>R. Brad Martin</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>11</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>Luke Yancy III</FONT></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>04</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>Corydon J. Gilchrist</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>08</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>Scott M. Niswonger</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>2.</FONT></P>
 </TD>
 <TD COLSPAN=6 VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>Approval of an advisory
 resolution to approve executive compensation.</FONT></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>3.</FONT></P>
 </TD>
 <TD COLSPAN=6 VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>Ratification of appointment of
 KPMG LLP as auditors.</FONT></P>
 </TD>
 </TR>
 <TR>
 <TD COLSPAN=8 VALIGN=TOP STYLE='BORDER:NONE;BORDER-BOTTOM:SOLID BLACK 4.5PT;PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=3>&nbsp;</FONT></P>
 </TD>
 </TR>
</TABLE>

<P ALIGN=CENTER><FONT SIZE=3 FACE=ARIAL><B>THIS IS NOT A FORM FOR VOTING</B></FONT></P>

<P ALIGN=CENTER><FONT SIZE=2 FACE=ARIAL><B>You may immediately vote your
shares on the Internet at:</B></FONT></P>

<P ALIGN=CENTER><FONT SIZE=2 FACE=ARIAL><B><U>www.eproxy.com/fhn</U></B></FONT></P>

<TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
 <TR STYLE="FONT-SIZE:1PX">
 <TD WIDTH="4%" VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P>&nbsp;</P>
 </TD>
 <TD WIDTH="90%" VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P>&nbsp;</P>
 </TD>
 <TD WIDTH="6%" VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P>&nbsp;</P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>&#149;</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>Use the Internet to vote your
 shares until 12 p.m. (CT) on April 30, 2013 (for shares held in the First
 Horizon National Corporation Savings Plan) or May 1, 2013 (for all other
 shares). </FONT></P>
 </TD>
 <TD ROWSPAN=3 VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><IMG SRC="c72736002_v1.jpg" ALT="(GRAPHIC)"></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>&#149;</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>Please have this Notice and the
 last four digits of your Social Security Number or Tax Identification Number
 available. Follow the instructions to vote your shares. </FONT></P>
 </TD>
 </TR>
</TABLE>

<P><FONT SIZE=2 FACE=ARIAL><B>Your Internet vote authorizes the named proxies and/or the trustee of the
First Horizon National Corporation Savings Plan to vote your shares in the same
manner as if you marked, signed and returned your proxy/voting instruction
card.</B></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=3 FACE=ARIAL><B>To request paper copies of the
proxy materials, which include the proxy card,<BR>
proxy statement and annual report, please contact us via:</B></FONT></P>

<TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
 <TR STYLE="FONT-SIZE:1PX">
 <TD WIDTH="4%" VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P>&nbsp;</P>
 </TD>
 <TD WIDTH="4%" VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P>&nbsp;</P>
 </TD>
 <TD WIDTH="92%" VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P>&nbsp;</P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><IMG SRC="c72736003_v1.jpg" ALT="(GRAPHIC)"></P>
 </TD>
 <TD COLSPAN=2 VALIGN=BOTTOM STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL><B>Internet/Mobile
 </B><FONT FACE=ARIAL>&#150; Access the Internet and go to www.ematerials.com/fhn.
 Follow the instructions to log in and order copies.</FONT></FONT></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD COLSPAN=2 VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><IMG SRC="c72736004_v1.jpg" ALT="(GRAPHIC)"></P>
 </TD>
 <TD COLSPAN=2 VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL><B>Telephone </B><FONT  FACE=ARIAL>&#150; Call
 us free of charge at 866-697-9377 in the U.S. or Canada, using a touch-tone
 phone, and follow the instructions to log in and order copies.</FONT></FONT></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD COLSPAN=2 VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><IMG SRC="c72736005_v1.jpg" ALT="(GRAPHIC)"></P>
 </TD>
 <TD COLSPAN=2 VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL><B>Email </B><FONT  FACE=ARIAL>&#150; Send
 us an email at ep@ematerials.com with &#147;fhn Materials Request&#148; in the subject
 line. </FONT></FONT></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD COLSPAN=2 VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>The email must include: </FONT></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>&#149;</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>The 3-digit company # and the
 11-digit control # located in the box in the upper right hand corner on the
 front of this notice. </FONT></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>&#149;</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>Your preference to receive
 printed materials via mail <B><I>-or-</I></B> to
 receive an email with links to the electronic materials. </FONT></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>&#149;</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>If you choose email delivery you
 must include the email address. </FONT></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>&#149;</FONT></P>
 </TD>
 <TD VALIGN=TOP STYLE='PADDING:0IN 0IN 0IN 0IN'>
 <P><FONT SIZE=2 FACE=ARIAL>If you would like this election
 to apply to delivery of material for all future meetings, write the word
 &#147;Permanent&#148; and include the last 4 digits of your Tax ID number in the email.
 </FONT></P>
 </TD>
 </TR>
</TABLE>

<BR><BR><BR>

<P ALIGN=CENTER><FONT SIZE=3 FACE=ARIAL><B>Important Information about the Notice of Internet Availability of Proxy
Materials</B></FONT></P>

<P><FONT SIZE=2 FACE=ARIAL>This
Notice of Internet Availability of Proxy Materials (Notice) is provided to
shareholders in place of the printed materials for the upcoming annual
shareholder meeting. </FONT></P>

<P><FONT SIZE=2 FACE=ARIAL><B>Information about the Notice:</B></FONT></P>

<P><FONT SIZE=2 FACE=ARIAL>In 2007,
the Securities and Exchange Commission adopted a voluntary rule permitting
Internet-based delivery of proxy materials. Companies can now send notices
rather than printed proxy materials to shareholders. This may help lower
mailing, printing and storage costs for the company, while minimizing
environmental impact. This Notice contains specific information regarding the
meeting, proposals and the Internet site where the proxy materials may be
found. </FONT></P>

<P><FONT SIZE=2 FACE=ARIAL><B>To view the proxy materials online:</B></FONT></P>

<P><FONT SIZE=2 FACE=ARIAL>Please
refer to the instructions in this Notice on how to access and view the proxy
materials online, including the proxy card, annual report and proxy statement. </FONT></P>

<P><FONT SIZE=2 FACE=ARIAL><B>To receive paper copies of the proxy materials:</B></FONT></P>

<P><FONT SIZE=2 FACE=ARIAL>Please refer to the
instructions in this Notice on how to request hard copies of proxy materials
via phone, email or Internet. </FONT></P>

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