<SEC-DOCUMENT>0000930413-13-002750.txt : 20130503
<SEC-HEADER>0000930413-13-002750.hdr.sgml : 20130503
<ACCEPTANCE-DATETIME>20130503160903
ACCESSION NUMBER:		0000930413-13-002750
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20130501
ITEM INFORMATION:		Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year
ITEM INFORMATION:		Submission of Matters to a Vote of Security Holders
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20130503
DATE AS OF CHANGE:		20130503

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:		13812729

	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>8-K
<SEQUENCE>1
<FILENAME>c73702_8k.htm
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<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>UNITED STATES</B><BR>
<B>SECURITIES AND EXCHANGE COMMISSION</B><BR>
WASHINGTON, DC 20549</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>
<!-- Field: Rule-Page --><DIV ALIGN="CENTER"><DIV STYLE="font-size: 1pt; border-top: Black 1px solid; width: 20%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>FORM 8-K</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>CURRENT REPORT<BR>
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Date of report (Date of earliest event reported):
May 1, 2013</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 14pt"><B>First Horizon
National Corporation</B></FONT><BR>
<FONT STYLE="font-size: 11pt">(Exact Name of Registrant as Specified in Charter)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 32%; font-weight: bold; text-align: center">TN</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 32%; font-weight: bold; text-align: center">001-15185</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 32%; font-weight: bold; text-align: center">62-0803242</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">(State or Other Jurisdiction</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">(Commission File Number)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">(IRS Employer</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">of Incorporation)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">Identification No.)</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 11pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 66%; font-weight: bold; text-align: center">165 MADISON AVENUE</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 32%; font-weight: bold; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-weight: bold; text-align: center">MEMPHIS, TENNESSEE</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: center">38103</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">(Address of Principal Executive Office)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">(Zip Code)</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Registrant&#8217;s telephone number, including
area code - <B>(901) 523-4444</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Former name or former address, if changed
from last report)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">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:</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%; font-size: 11pt; text-align: left; vertical-align: top"><FONT STYLE="font-family: Wingdings 2">&#163;</FONT></TD>
    <TD STYLE="width: 96%; text-align: left; vertical-align: top">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</TD></TR>
<TR STYLE="vertical-align: top; font-size: 10pt">
    <TD STYLE="font-size: 10pt; text-align: left; vertical-align: top">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left; vertical-align: top">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 11pt; text-align: left; vertical-align: top"><FONT STYLE="font-family: Wingdings 2">&#163;</FONT></TD>
    <TD STYLE="text-align: left; vertical-align: top">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</TD></TR>
<TR STYLE="vertical-align: top; font-size: 10pt">
    <TD STYLE="font-size: 10pt; text-align: left; vertical-align: top">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left; vertical-align: top">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 11pt; text-align: left; vertical-align: top"><FONT STYLE="font-family: Wingdings 2">&#163;</FONT></TD>
    <TD STYLE="text-align: left; vertical-align: top">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</TD></TR>
<TR STYLE="vertical-align: top; font-size: 10pt">
    <TD STYLE="font-size: 10pt; text-align: left; vertical-align: top">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left; vertical-align: top">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 11pt; text-align: left; vertical-align: top"><FONT STYLE="font-family: Wingdings 2">&#163;</FONT></TD>
    <TD STYLE="text-align: left; vertical-align: top">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</TD></TR>
</TABLE>
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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
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<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 12%"><B>ITEM 5.03.</B></TD>
    <TD STYLE="width: 88%"><B>Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year</B></TD></TR>
</TABLE>


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Restatement of Charter</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(1) On May 1, 2013, the
Company&#8217;s Board of Directors approved the restatement of the Company&#8217;s Charter. The restatement was filed with
the Tennessee Secretary of State on May 2, 2013 and was effective immediately upon filing. The Restated Charter is filed
herewith as Exhibit 3.1.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(2) The restatement integrated into
the Charter document provisions that had been added by previous amendment in connection with the designation of the
Company&#8217;s Non-Cumulative Perpetual Preferred Stock, Series A, in January 2013.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Amendment of Bylaws</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">On May 1, 2013, the Company&#8217;s Board
of Directors amended the Company&#8217;s Bylaws. The amendments were effective as of that date. The amended and restated Bylaws
are filed herewith as Exhibit 3.2. The amended sections of the Bylaws are 3.11, 3.12, 3.13, 4.23, and 10.4, and a new section 10.7
has been added.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">The amendments are technical in nature. They
update the Bylaws primarily for the purpose of coordinating with new provisions of Tennessee&#8217;s corporation law, primarily
those related to electronic signature and delivery of documents. The most extensive changes were made to section 3.12, which pertains
to actions taken by directors or officers without a meeting. The amendments also make clear, by adding express language, that a
committee may be comprised of a mix of directors and officers.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 12%"><B>ITEM 5.07.</B></TD>
    <TD STYLE="width: 88%"><B>Submission of Matters to a Vote of Security Holders.</B></TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: -72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Voting Results for 2013 Annual Meeting</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(a) On May 2, 2013, the Company held its annual meeting
of shareholders.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(b) At the annual meeting, three vote items were acted
upon by the shareholders. The number of votes cast for or against as to each such matter or nominee, and the
number of abstentions and broker non-votes as to each such matter or nominee, have been certified and are set forth
below:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>Vote Item 1: Election of Directors</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></p>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">Outcome: All nominees were elected</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 10pt Times New Roman, Times, Serif; width: 80%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 22%; text-align: right; border-bottom: Black 1px solid">Nominee</TD>
    <TD STYLE="width: 3%; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="width: 16%; text-align: center; border-bottom: Black 1px solid">For</TD>
    <TD STYLE="width: 3%; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="width: 16%; text-align: center; border-bottom: Black 1px solid">Against</TD>
    <TD STYLE="width: 3%; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="width: 16%; text-align: center; border-bottom: Black 1px solid">Abstain</TD>
    <TD STYLE="width: 3%; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="width: 18%; text-align: center; border-bottom: Black 1px solid">Broker Non-vote</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="text-align: right">Robert B. Carter</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">178,697,197</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">3,852,042</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">4,238,162</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">31,672,458</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="text-align: right">John C. Compton</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">178,932,542</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">3,625,095</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">4,229,764</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">31,672,458</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="text-align: right">Mark A. Emkes</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">179,037,717</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">3,525,158</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">4,224,526</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">31,672,458</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="text-align: right">Corydon J. Gilchrist</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">181,540,731</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">1,010,007</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">4,236,663</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">31,672,458</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="text-align: right">Vicky B. Gregg</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">180,945,592</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">1,588,193</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">4,253,616</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">31,672,458</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="text-align: right">D. Bryan Jordan</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">176,258,864</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">4,173,297</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">6,355,240</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">31,672,458</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="text-align: right">R. Brad Martin</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">175,919,494</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">6,685,503</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">4,182,404</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">31,672,458</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="text-align: right">Scott M. Niswonger</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">180,981,228</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">1,575,113</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">4,231,060</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">31,672,458</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="text-align: right">Vicki R. Palmer</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">180,154,850</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">2,355,512</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">4,277,039</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">31,672,458</TD></TR>
</TABLE>
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<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 10pt Times New Roman, Times, Serif; width: 80%; border-collapse: collapse">
<TR>
    <TD STYLE="width: 22%; text-align: right; border-bottom: Black 1px solid">Nominee</TD>
    <TD STYLE="width: 3%; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="width: 16%; text-align: center; border-bottom: Black 1px solid">For</TD>
    <TD STYLE="width: 3%; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="width: 16%; text-align: center; border-bottom: Black 1px solid">Against</TD>
    <TD STYLE="width: 3%; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="width: 16%; text-align: center; border-bottom: Black 1px solid">Abstain</TD>
    <TD STYLE="width: 3%; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="width: 18%; text-align: center; border-bottom: Black 1px solid">Broker Non-vote</TD></TR>
<TR>
    <TD STYLE="text-align: right">Colin V. Reed</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">178,565,469</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">3,960,615</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">4,261,317</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">31,672,458</TD></TR>
<TR>
    <TD STYLE="text-align: right">Luke Yancy III</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">173,639,899</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">8,513,995</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">4,633,507</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">31,672,458</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>Vote Item 2: Advisory Resolution to
Approve Executive Compensation</U></B></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Outcome: Approved</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 10pt Times New Roman, Times, Serif; width: 85%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 32%; text-align: center; border-bottom: Black 1px solid">Details</TD>
    <TD STYLE="width: 2%; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="width: 14%; text-align: center; border-bottom: Black 1px solid">For</TD>
    <TD STYLE="width: 2%; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="width: 14%; text-align: center; border-bottom: Black 1px solid">Against</TD>
    <TD STYLE="width: 2%; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="width: 14%; text-align: center; border-bottom: Black 1px solid">Abstain</TD>
    <TD STYLE="width: 2%; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="width: 18%; text-align: center; border-bottom: Black 1px solid">Broker Non-vote</TD></TR>
<TR>
    <TD>Advisory resolution to approve compensation of certain executive officers as described in the Proxy Statement</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center; vertical-align: bottom">165,317,255</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center; vertical-align: bottom">16,600,051</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center; vertical-align: bottom">4,869,700</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center; vertical-align: bottom">31,672,853</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>Vote Item 3: Ratification of Auditor</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Outcome: Ratified</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 10pt Times New Roman, Times, Serif; width: 70%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 26%; border-bottom: Black 1px solid; text-align: center">Auditor</TD>
    <TD STYLE="width: 2%; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="width: 16%; border-bottom: Black 1px solid; text-align: center">For</TD>
    <TD STYLE="width: 2%; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="width: 16%; border-bottom: Black 1px solid; text-align: center">Against</TD>
    <TD STYLE="width: 2%; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="width: 16%; border-bottom: Black 1px solid; text-align: center">Abstain</TD>
    <TD STYLE="width: 2%; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="width: 18%; border-bottom: Black 1px solid; text-align: center">Broker Non-vote</TD></TR>
<TR>
    <TD STYLE="text-align: center">KPMG LLP</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">207,883,427</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">6,300,139</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">4,276,293</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">- 0 -</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(c) &amp; (d) Not applicable.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 12%"><B>ITEM 9.01.</B></TD>
    <TD STYLE="width: 88%"><B>Financial Statements and Exhibits</B></TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: -72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(d) Exhibits</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The following exhibits are incorporated by reference:</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 10%; border-bottom: Black 1px solid">Exhibit #</TD>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 85%; border-bottom: Black 1px solid">Description</TD>
    </TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>3.1</TD>
    <TD>&nbsp;</TD>
    <TD>Restated Charter of First Horizon National Corporation</TD>
    </TR>
<TR STYLE="vertical-align: top">
    <TD>3.2</TD>
    <TD>&nbsp;</TD>
    <TD>Bylaws of First Horizon National Corporation, as amended and restated May 1, 2013</TD>
    </TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">* * * * *</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>SIGNATURES</B></P>

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold">First Horizon National Corporation</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">(Registrant)</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 40%">&nbsp;</TD>
    <TD STYLE="width: 4%">&nbsp;</TD>
    <TD STYLE="width: 40%">&nbsp;</TD>
    <TD STYLE="width: 16%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Date: May 3, 2013</TD>
    <TD><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1px solid">/s/ Clyde A. Billings, Jr.</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-style: italic">&nbsp;</TD>
    <TD STYLE="font-style: italic">Senior Vice President, Assistant</TD>
    <TD STYLE="font-style: italic">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-style: italic">&nbsp;</TD>
    <TD STYLE="font-style: italic">&nbsp;</TD>
    <TD STYLE="font-style: italic">General Counsel, and Corporate Secretary</TD>
    <TD STYLE="font-style: italic">&nbsp;</TD></TR>
</TABLE>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>EXHIBIT INDEX</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

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    <TD STYLE="width: 10%">EX-3.1</TD>
    <TD STYLE="width: 90%">Restated Charter of First Horizon National Corporation</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>EX-3.2</TD>
    <TD>Bylaws of First Horizon National Corporation, as amended and restated May 1, 2013</TD></TR>
</TABLE>
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<TYPE>EX-3.1
<SEQUENCE>2
<FILENAME>c73702_ex3-1.htm
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 3.1</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>RESTATED CHARTER</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>OF</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>FIRST HORIZON NATIONAL CORPORATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Pursuant to the provisions
of Section 48-20-107 of the Tennessee Business Corporation Act, the undersigned Corporation adopts the following Restated Charter:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>1.&#9;NAME.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The name of the Corporation
shall be:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">FIRST HORIZON NATIONAL
CORPORATION.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>2.&#9;DURATION.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The duration of the
Corporation is perpetual.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>3.&#9;ADDRESS.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The address of the
principal office of the Corporation in the State of Tennessee shall be: 165 Madison Avenue, Memphis, Tennessee 38103.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>4.&#9;PROFIT.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Corporation is
for profit.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>5.&#9;PURPOSES.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The purpose or purposes
for which the Corporation is organized are, to the extent permitted by law:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#9;(a)&#9;To subscribe for, purchase,
lease or otherwise acquire and to receive, own, hold, sell, exchange, lease, mortgage, pledge, assign or otherwise dispose of,
and otherwise deal in and with &ldquo;securities&rdquo; (as such term is herein defined) issued or created by, or other property
(real or personal) of any person, corporation, association, firm, trust, organization or other entity whatsoever, including but
not limited to this corporation and any national banking association, state-chartered bank, savings bank and trust company, wherever
located or organized and whether public, private or municipal, of this state, or any district, territory, subdivision, municipality
or department thereof, or any other state or any district, territory, subdivision, municipality or department thereof, or any country,
nation or government, or any district, territory, subdivision, municipality or department thereof; to possess and exercise any
and all rights, powers and privileges of ownership of such securities or other property, including without limitation the right
to vote on such</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">securities; and to issue or deliver in
payment or exchange, in whole or in part, for any such securities or other property, its own stock, bonds, notes or other obligations,
or to make payment for any such securities or other property by any other lawful means; and to do any and all acts and things necessary
or advisable for the preservation, protection, improvement or enhancement in value of any such securities or other property. The
term &ldquo;securities&rdquo; as used in this Article 5 shall mean any and all shares, stocks, bonds, debentures, notes, mortgages,
acceptances, evidences of indebtedness or obligations, certificates of interest or participation in any property or venture, scrip,
interim receipts, voting trust certificates, instruments or interests commonly known as securities, and any and all certificates
of interest or participation in, or of deposit of, any of the foregoing, or receipts for, guaranties of, or warrants or rights
to subscribe for or purchase any of the foregoing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#9;(b)&#9;To promote, finance and assist,
financially or otherwise, whether by loan, guaranty, subsidy or otherwise, any person, corporation, partnership, association, firm,
trust, organization or other entity in which the Corporation shall have any interest; to guarantee the payment of dividends on
any stock or the payment of the obligations issued or incurred by any such person, corporation, partnership, association, firm,
trust, organization or other entity, to issue its own stock, bonds or other obligations in payment or exchange for any securities
or other property acquired (pursuant to a merger, consolidation or otherwise) by any such person, corporation, partnership, association,
firm, trust, organization or other entity; and to do any and all other acts and things for the enhancement, protection or preservation
of any securities which are in any manner, directly or indirectly, owned, held or guaranteed by the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#9;(c)&#9;To render assistance, service,
counsel and advice to, and to act as representative in any capacity (whether managing, operating, financial, purchasing, selling,
advertising or otherwise) of any person, corporation, partnership, association, firm, trust, organization or other entity, including
without limitation those in which the Corporation shall have any interest.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#9;(d)&#9;To acquire by purchase, lease,
exchange or otherwise, to own, hold, use, manage, develop, improve and to sell, lease, mortgage, exchange and otherwise deal in,
real estate and any interest or right therein and personal property of every class and description, either for is own account or
for the account of others, to erect, construct, rebuild, repair, manage and control, lease, buy and sell, any and all kinds of
and interest in real estate and personal property; and to engage generally in the business of operating and leasing real estate
and personal property of every character and description.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#9;(e)&#9;To buy, sell, produce, manufacture
and dispose of all kinds of goods, documents, instruments, general intangibles, chattel paper, accounts, contract rights, wares,
foods, potables, merchandise, manufactures, commodities, furniture, machinery, tools, supplies and products of any kind, character
or description whatsoever, and generally to engage in any mercantile, manufacturing or commercial business of any kind</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">or character whatsoever throughout the
world, and to do all things incidental to any such business or businesses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#9;(f)&#9;To enter into any lawful arrangements
for sharing profits, union of interest, reciprocal concession or cooperation, with any corporation, association, partnership, syndicate,
entity, person or governmental, municipal or public authority, domestic or foreign in the carrying on of any business which the
Corporation is authorized to carry on or any business or transaction deemed necessary, convenient or incidental to carrying out
any of the purposes of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#9;(g)&#9;To issue bonds, debentures,
convertible debentures, notes, commercial paper, or other obligations of this Corporation, from time to time for any of the objects
or purposes of the Corporation and to secure the same by mortgage, pledge, deed of trust or otherwise.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#9;(h)&#9;To guarantee obligations of
any other entity and to secure such guaranties by mortgage, pledge or otherwise by vote of a majority of the entire Board of Directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#9;(i)&#9;To indemnify the officers and
directors during their term of office or thereafter for actions arising during their term of office, either directly or through
the purchase of insurance, for expenditures as parties to suits by or in the right of the Corporation or other than by or in the
right of the Corporation to the extent permitted by the statutes of Tennessee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#9;(j)&#9;Without in any way limiting
any of the objects or purposes or powers, whether primary or secondary of the Corporation, it is hereby expressly declared and
provided that the Corporation shall have power to do all acts or things necessary, incidental or convenient to do, or calculated,
directly or indirectly, to promote the interest of the Corporation, or enhance the value or render profitable any of its property
or rights; and in carrying on its business or businesses, or for the purpose of obtaining or furthering any of its objects, to
do any and all things and exercise any and all powers, rights and privileges which a corporation for profit may now or hereafter
be permitted to do or to exercise under the laws of the State of Tennessee; and to do any and all of the acts and things herein
set forth to the same extent as natural persons could do, and in any part of the world, as principal, factor, agent, contractor,
trustee or otherwise, either alone or in syndicates, or otherwise in conjunction with any person, entity, syndicate, partnership,
association or corporation, governmental or public bodies or authorities of any kind, domestic or foreign; to establish and maintain
offices and agencies and to exercise all or any of its corporate powers and rights throughout the world.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#9;(k)&#9;To engage, in addition to the
foregoing, in any lawful act or activity for which corporations may be organized under the Tennessee General Corporation Act.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#9;(l)&#9;It is the intention that the
objects, purposes and powers specified in the fifth paragraph hereof shall, except where otherwise specified in said paragraph,
be no-wise limited or restricted by reference to or inference from the terms of any other clause or paragraph in this Charter,
but that the objects, purposes and powers specified in the fifth paragraph and in each of the clauses or paragraphs of this Charter
shall be regarded as independent objects, purposes and powers.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The foregoing clauses
shall be construed both as purposes and powers, and it is hereby expressly provided that the foregoing enumeration of specific
powers shall not be held to limit or restrict in any manner the powers of this Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>6.&#9;SHARES.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The maximum number
of shares which the Corporation shall have authority to issue is as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#9;(a)&#9;Four Hundred Million (400,000,000)
shares of common stock of a par value of $0.625 each; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#9;(b)&#9;Five Million (5,000,000) shares
of preferred stock, having no par value.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>7.&#9;COMMENCEMENT OF BUSINESS.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Corporation will
not commence business until consideration of One Thousand Dollars ($1,000.00) has been received for the issuance of shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>8.&#9;PREEMPTIVE RIGHTS.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">No shareholder of the
Corporation shall because of his ownership of stock have a preemptive or other right to purchase, subscribe for or take any part
of any stock or any part of the notes, debentures, bonds or other securities convertible into or carrying options or warrants to
purchase stock of the Corporation issued, optioned or sold by it after its incorporation. Any part of the capital stock and any
part of the notes, debentures, bonds or other securities convertible into or carrying options or warrants to purchase stock of
the Corporation authorized by this Restated Charter or by any amendment duly filed, may at any time be issued, optioned for sale
and sold or disposed of by the Corporation pursuant to a resolution of its Board of Directors to such persons and upon such terms
as may to such Board seem proper without first offering such stock or securities or any part thereof to existing shareholders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>9.&#9;COMMON STOCK.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The entire voting power
of the Corporation shall be vested in the common stock; provided, however, that the Board of Directors is authorized by this Charter
to issue,</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">from time to time, serial preferred stock
of the Corporation in one or more series each of which constitutes a separate class, and prior to issuance to fix and determine
the distinguishing characteristics and rights, privileges and immunities of each such series. Such characteristics and rights,
privileges and immunities may include, but are not limited to, the voting rights of such serial preferred stock, and such voting
rights of such serial preferred stock may, if so determined by the Board of Directors prior to the issuance of such serial preferred
stock, give to the holders of such serial preferred stock voting rights equal to, greater than or less than those of the holders
of the common stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>10.&#9;SERIAL PREFERRED STOCK.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The shares of any preferred
class may be divided into and issued in series. If the shares of any such class are to be issued in series, then each series shall
be so designated to distinguish the series thereof from all the shares of all other series and classes. All shares of the same
series shall be identical. Any or all of the series of any class may vary in the relative rights and preferences as between the
different series to the extent permitted by the statutes of Tennessee. The Board of Directors shall have the authority to divide
any or all such classes into series and, within the limitation of the statutes of the State of Tennessee and particularly Sections
48-502 and 48-503, fix and determine the relative rights and preferences of the shares of any series so established.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Board of Directors
is authorized to issue the preferred stock, without par value, in one or more series, from time to time with such voting powers,
full or limited, or without voting powers, and with such designations, preferences and relative participating, optional or other
special rights and qualifications, limitations and restrictions thereof, as may be provided in a resolution or resolutions adopted
by the Board of Directors. The authority of the Board of Directors shall include, but not be limited to, the determination or fixing
of the following with respect to shares of such class or any series thereof: (1) the number of shares and designation; (2) the
dividend rate and whether dividends are to be cumulative; (3) whether shares are to be redeemable and, if so, the terms and amount
of any sinking fund for the purchase or redemption of such shares; (4) whether shares shall be convertible and, if so, the terms
and provisions applying; (5) what voting rights are to apply, if any; and (6) what restrictions are to apply, if any, on the issue
or re-issue of any additional preferred stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 18pt">(a)</TD><TD><U>Non-Cumulative Perpetual Preferred Stock, Series A</U></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(1) <U>Designation and Number of
Shares</U>. There is hereby created out of the authorized and unissued shares of Preferred Stock of the Corporation a series of
Preferred Stock designated as the &ldquo;Non-Cumulative Perpetual Preferred Stock, Series A&rdquo; (hereinafter called &ldquo;<U>Series
A Preferred Stock</U>&rdquo;) initially consisting of 1,000 shares. The number of shares constituting the Series A Preferred Stock
may be increased from time to time by resolution of the Board of Directors, without the vote or consent of the holders of Series
A Preferred Stock in accordance with</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 0">law up to the maximum number of
shares of Preferred Stock authorized to be issued under the Restated Charter, less all shares at the time authorized of any other
series of Preferred Stock. Shares of Series A Preferred Stock shall be dated the date of issue; provided, that any such additional
shares of Series A Preferred Stock are not treated as &ldquo;disqualified preferred stock&rdquo; within the meaning of Section
1059(f)(2) of the Internal Revenue Code of 1986, as amended, or any successor provision, and such additional shares of Series A
Preferred Stock are otherwise treated as fungible with the initial 1,000 shares of Series A Preferred Stock for U.S. federal income
tax purposes. Shares of outstanding Series A Preferred Stock that are redeemed, purchased or otherwise acquired by the Corporation
shall, after such redemption, purchase or acquisition, be cancelled and shall revert to authorized but unissued shares of Preferred
Stock undesignated as to series until such shares are once more designated as part of a particular series by the Board of Directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt"><FONT STYLE="color: black">(2) <U>Standard
Provisions</U>. The Standard Provisions contained in Annex A attached hereto are incorporated herein by reference in </FONT>their<FONT STYLE="color: black">
entirety and shall be deemed to be a part of this Article 10(a) to the same extent as if such provisions had been set forth in
full herein.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(3) <U>Definitions</U>. The following
terms are used in this Article 10(a) (including the Standard Provisions in Annex A hereto) as defined below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<U>Board of Directors</U>&rdquo;
means the Board of Directors of the Corporation or any duly authorized committee thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt"><FONT STYLE="color: black">&ldquo;<U>Common
Stock</U>&rdquo; </FONT>means<FONT STYLE="color: black"> the </FONT>common<FONT STYLE="color: black"> stock, par value $0.625 per
share, of the Corporation.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt"><FONT STYLE="color: black">&ldquo;<U>Dividend
Payment Date</U>&rdquo; means </FONT>each January 10, April 10, July 10 and October 10, commencing April 10, 2013; <I>provided</I>,
<I>however</I>, that if any such date is not a Business Day, then such date shall nevertheless be a Dividend Payment Date but dividends
on the Series A Preferred Stock, when, as and if declared, shall be paid on the next succeeding Business Day (without interest
or any other adjustment in the amount of the dividend per share of Series A Preferred Stock).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt"><FONT STYLE="color: black">&ldquo;<U>Junior
Stock</U>&rdquo; means (A) the Common Stock and (B) any other class or series of capital stock of the Corporation now or hereafter
authorized, issued or outstanding that, by its terms, does not expressly provide that it ranks </FONT><I>pari<FONT STYLE="color: black">
passu</FONT></I><FONT STYLE="color: black"> with or senior to the Series A Preferred Stock as to (i) payment of dividends and/or
(ii) distributions upon the liquidation, dissolution or winding-up of the Corporation</FONT>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<U>Preferred Stock</U>&rdquo;
means any and all series of preferred stock, having no par value, of the Corporation, including the Series A Preferred Stock.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<U>Series A Liquidation Amount</U>&rdquo;
means $100,000 per share of Series A Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(4) <U>Certain Voting Matters</U>.
Holders of shares of Series A Preferred Stock will be entitled to one vote for each such share on any matter on which holders of
Series A Preferred Stock are entitled to vote, including any action by written consent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>11.&#9;ADDITIONAL POWERS.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#9;(a)&#9;The Corporation shall have the
right to purchase, take, receive or otherwise acquire, hold, own, pledge, transfer or otherwise dispose of its own shares; but
purchases of its own shares, whether direct or indirect, shall be made only to the extent of unreserved and unrestricted earned
or capital surplus available therefor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#9;(b)&#9;Other provisions: Management.
The Corporation shall be managed by the Board of Directors, which shall exercise all powers conferred under the laws of the State
of Tennessee including without limitation the power:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&#9;(1)&#9;To hold meetings, to have one
or more offices, and to keep the books of the corporation, except as otherwise expressly provided by law, at such places, whether
within or without the State of Tennessee, as may from time to time be designated by the Board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&#9;(2)&#9;To make, alter and repeal bylaws
of the corporation, subject to the reserved power of the shareholders to make, alter and repeal bylaws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&#9;(3)&#9;To approve the issuance or sale
of any of its authorized but unissued shares of any class, bonds or other securities and rights or options entitling the holders
thereof to purchase from the corporation shares of any class or classes, to approve the purchase or other acquisition of or the
reissuance, sale or other disposition of treasury shares; to fix the consideration to be received for such shares of any class,
bonds or other securities, rights or options and to cause to be issued any such shares of any class, bonds or other securities,
rights or options.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&#9;(4)&#9;To use or apply any funds of
the corporation lawfully available therefor for the purchase or acquisition of shares of the capital stock or bonds or other securities
of the corporation, in the market or otherwise, at such price as may be fixed by the Board, and to such extent and in such manner
and for such purposes and upon such terms as the Board may deem expedient and as may be permitted by law, and to sell, exchange,
transfer, reissue or cancel such shares of the capital stock of the corporation upon such terms and for such consideration as it
may deem proper.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&#9;(5)&#9;To determine whether and to
what extent and at what times and places and under what conditions and regulations the accounts and books of the corporation, or
any of them, shall be open to the inspection of the shareholders, and no shareholder shall have any right to inspect any account,
record, book or document of the corporation, except as conferred by the laws of the State of Tennessee or as authorized by the
Board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&#9;(6)&#9;To remove any director for cause
as defined by the laws of the State of Tennessee by a vote of a majority of the entire Board of Directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&#9;(7)&#9;To fill any newly created directorships
resulting from an increase in the number of directors and any vacancies occurring in the Board for any reason, (including removal
of directors without cause by the shareholders or for cause by the Board of Directors or the shareholders.)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&#9;(8)&#9;To designate an Executive Committee
consisting of two or more directors and such other committees consisting of two or more persons, who may or may not be directors,
and to delegate to such Executive Committee and other committees all such authority of the Board that it deems desirable within
the limits prescribed by the statutes of the State of Tennessee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&#9;(9)&#9;To designate the officer or
officers of the corporation who shall vote the shares of capital stock held by the corporation in other corporations and to authorize
the execution of any proxy that may be necessary in connection therewith.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&#9;(10)&#9;To take any action required
or permitted of the Board without a meeting on written consent, setting forth the action so taken, sighed by all directors entitled
to vote thereon.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>12.&#9;NUMBER, ELECTION AND TERMS OF
DIRECTORS.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&#9;</B>(a)&#9;The number of directors
of the Corporation which shall constitute the entire Board of Directors shall be fixed from time to time in the Bylaws of the Corporation.
Any such determination shall continue in effect unless and until changed, but no such changes shall affect the term of any director
then in office. At the annual meeting of shareholders that is held in calendar year 2008, the successors of the directors whose
terms expire at that meeting shall be elected for a term expiring at the annual meeting of shareholders that is held in calendar
year 2011; provided, however, that any director whose term expires at the 2008 annual meeting solely due to the operation of Section
48-18-105(d) of the Tennessee Business Corporation Act shall be elected for the remainder of the term of the class of directors
to which he or she has been assigned. Commencing at the annual meeting of shareholders that is held in calendar year 2009, directors
shall be elected annually for terms of one year, except that any director in office at the 2009 annual meeting whose term expires
at the annual meeting of shareholders</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">held in calendar year 2010 or 2011 shall
continue to hold office until the end of the term for which such director was elected. In all cases, directors shall hold office
until their respective successors are duly elected and qualified.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#9;(b)&#9;Newly created directorships
resulting from any increase in the authorized number of directors or any vacancies on the Board of Directors resulting from death,
resignation, retirement, disqualification or any other cause (except removal from office) shall be filled only by the Board of
Directors, provided that a quorum is then in office and present, or only by a majority of the directors then in office, if less
than a quorum is then in office, or by the sole remaining director. Any vacancies on the Board of Directors resulting from removal
from office may be filled by the affirmative vote of the holders of at least a majority of the voting power of all outstanding
voting stock or, if the shareholders do not so fill such a vacancy, by a majority of the directors then in office. Directors of
the Corporation may be removed by the shareholders only for cause by the affirmative vote of the holders of at least a majority
of the voting power of all outstanding voting stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#9;(c)&#9;The Bylaws or any Bylaw of the
Corporation may be adopted, amended or repealed only by the affirmative vote of not less than a majority of the directors then
in office at any regular or special meeting of directors, or by the affirmative vote of the holders of at least eighty percent
(80%) of the voting power of all outstanding voting stock at any annual meeting or any special meeting called for that purpose.
Any provision of the Charter which is inconsistent with any provision of the Bylaws of the Corporation may be adopted only by the
affirmative vote of the holders of at least eighty percent (80%) of the voting power of all outstanding voting stock at any annual
meeting or any special meeting called for that purpose.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#9;(d)&#9;Notwithstanding any other provisions
of this Charter or the Bylaws of the Corporation (and notwithstanding the fact that a lesser percentage or separate class vote
may be specified by law, this Charter, the Bylaws of the Corporation or otherwise), the affirmative vote of the holders of at least
eighty percent (80%) of the voting power of all outstanding voting stock shall be required to adopt any provisions inconsistent
with, or to amend or repeal, this Article 12.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#9;(e)&#9;Notwithstanding the foregoing,
whenever the holders of any one or more classes or series of preferred stock issued by the Corporation shall have the right, voting
separately by class or by series, to elect directors at an annual or special meeting of shareholders, the election, term of office,
filling of vacancies and other features of such directorships shall be governed by the terms of this Charter applicable thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>13.&#9;VOTE REQUIREMENT FOR ELECTION
OF DIRECTORS.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">Except as provided in
Article 12, each director shall be elected by the affirmative vote of a majority of the votes cast with respect to the director
at any meeting of</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0">shareholders for the
election of directors at which a quorum is present, provided that if, as of (a) the expiration of the time fixed under Section
3.6 of the Corporation&rsquo;s Bylaws (or any successor provision) for advance notice of nomination of a director by a shareholder
or, (b) in the absence of any such provision, a date that is fourteen (14) days in advance of the date the Corporation files its
definitive proxy statement (regardless of whether or not thereafter revised or supplemented) with the Securities and Exchange Commission,
the number of nominees exceeds the number of positions on the Board of Directors to be filled by election at the meeting, the directors
shall be elected by the vote of a plurality of the votes cast by the shares entitled to vote in the election at any such meeting.
For purposes of this section, the &ldquo;affirmative vote of a majority of the votes cast&rdquo; means that the number of votes
cast &ldquo;for&rdquo; a director exceeds the number of votes cast &ldquo;against&rdquo; that director.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>14.&#9;DIRECTOR LIABILITY.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">No director shall be
personally liable to the Corporation or its shareholders for monetary damages for breach of fiduciary duty as director, except
for liability (i) for any breach of the director&rsquo;s duty of loyalty to the Corporation or its shareholders, (ii) for acts
or omissions not in good faith or which involve intentional misconduct or a knowing violation of law, or (iii) under Section 48-18-304,
or any successor provision thereto, of the Tennessee Business Corporation Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"> <B>15.</B> <B>REGISTERED AGENT AND OFFICE.</B></P>



<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Corporation&rsquo;s
registered office is 165 Madison Avenue, Memphis, Shelby County, Tennessee 38103, and its registered agent at that office is Clyde
A. Billings, Jr.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">DATED: May 1, 2013</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">FIRST HORIZON NATIONAL CORPORATION</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 45%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt">By:</TD>
    <TD STYLE="border-bottom: Black 1px solid">/s/ Clyde A. Billings, Jr.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Clyde A. Billings, Jr., Corporate Secretary</TD></TR>
</TABLE>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>ANNEX A</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>STANDARD PROVISIONS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 1. <U>General Matters</U>.
Each share of Series A Preferred Stock shall be identical in all respects to every other share of Series A Preferred Stock. The
Series A Preferred Stock shall be perpetual, subject to the provisions of Section 5 of these Standard Provisions that form a part
of the Articles of Amendment.</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 2. <U>Definitions</U>. As
used herein with respect to the Series A Preferred Stock:</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><I>&ldquo;</I><U>Appropriate Federal
Banking Agency</U>&rdquo; means the &ldquo;appropriate federal banking agency&rdquo; with respect to the Corporation as defined
in Section 3(q) of the Federal Deposit Insurance Act (12 U.S.C. &sect; 1813(q)), or any successor provision.</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&ldquo;<U>Articles of Amendment</U>&rdquo;
means the Articles of Amendment relating to the Series A Preferred Stock, of which these Standard Provisions form a part, as it
may be amended from time to time.</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&ldquo;<U>Business Day</U>&rdquo;
means each weekday that is not a legal holiday in New York, New York and is not a day on which banking institutions in New York,
New York are authorized or obligated by law, regulation or executive order to close.</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&ldquo;<U>Bylaws</U>&rdquo; means
the Bylaws of the Corporation, as may be amended from time to time.</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&ldquo;<U>Charter</U>&rdquo; means
the Restated Charter of the Corporation, as may be amended from time to time.</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;<U>Dividend Parity Stock</U>&rdquo;
means any other class or series of capital stock of the Corporation now or hereafter authorized, issued or outstanding that, by
its terms, expressly provides that it ranks <I>pari passu</I> with the Series A Preferred Stock as to the payment of dividends
(regardless whether such capital stock bears dividends on a non-cumulative or cumulative basis).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&ldquo;<U>Dividend Period</U>&rdquo; means
each period from and including a Dividend Payment Date to, but excluding, the next succeeding Dividend Payment Date, except that
the initial Dividend Period shall commence on and include the Original Issue Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;<U>Dividend Record Date</U>&rdquo;
has the meaning specified in Section 3(a).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;<U>DTC</U>&rdquo; means The Depository
Trust Company, together with its successors and assigns.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#9;&ldquo;<U>Liquidation Junior Stock</U>&rdquo; means any
other class or series of capital stock of the Corporation now or hereafter authorized, issued or outstanding that, by its terms,
does not expressly provide that it ranks <I>pari passu</I> with or senior to the Series A Preferred Stock as to distributions upon
the liquidation, dissolution or winding-up of the Corporation.&#9;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;<U>Liquidation Parity Stock</U>&rdquo;
means any other class or series of capital stock of the Corporation now or hereafter authorized, issued or outstanding that, by
its terms, expressly provides that it ranks <I>pari passu</I> with the Series A Preferred Stock as to distributions upon the liquidation,
dissolution or winding-up of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;<U>Liquidation Preference</U>&rdquo;
means, with respect to any class or series of capital stock of the Corporation, the amount otherwise payable upon such class or
series of capital stock in connection with any distribution upon the liquidation, dissolution or winding-up of the Corporation
(assuming no limitation on the assets of the Corporation available for such distribution), including an amount equal to any declared
but unpaid dividends (and in the case of any holder of capital stock on which dividends accrue on a cumulative basis, an amount
equal to any unpaid, accrued, cumulative dividends, whether or not declared, as applicable).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;<U>Nonpayment Event</U>&rdquo; has
the meaning set forth in Section 6(c)(i).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&ldquo;<U>Original Issue Date</U>&rdquo;
means the first date on which any share of Series A Preferred Stock is issued and outstanding.</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;<U>Preferred Stock Director</U>&rdquo;
has the meaning set forth in Section 6(c)(i).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;<U>Redemption Date</U>&rdquo; has
the meaning set forth in Section 5(b).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;<U>Redemption Depository</U>&rdquo;
has the meaning set forth in Section 5(e).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;<U>Redemption Price</U>&rdquo; means
an amount equal to the Series A Liquidation Amount plus the per share amount of any declared but unpaid dividends on the Series
A Preferred Stock prior to the Redemption Date (but with no amount in respect of any dividends that have not been declared prior
to the Redemption Date).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;<U>Regulatory Capital Treatment Event</U>&rdquo;
means the good faith determination by the Corporation that, as a result of (i) any amendment to, clarification of, or change in,
the laws or regulations of the United States or any political subdivision of or in the United States that is enacted or becomes
effective after the initial issuance of any share of Series A Preferred Stock, (ii) any proposed change in those laws or regulations
that is announced or becomes effective after the initial issuance of any share of Series A Preferred Stock, or (iii) any official
administrative decision or judicial decision or administrative action or other official pronouncement interpreting or applying
those laws or regulations that is announced after the initial issuance of any share of Series A Preferred Stock, there is more
than an insubstantial risk that the Corporation will not be entitled to treat the full Series A Liquidation Amount of Series A
Preferred Stock then</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">outstanding as &ldquo;tier 1 capital&rdquo; (or its equivalent)
for purposes of the capital adequacy guidelines of the Board of Governors of the Federal Reserve System (or, as and if applicable,
the capital adequacy guidelines or regulations of any successor Appropriate Federal Banking Agency) as then in effect and applicable.</P>

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

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&ldquo;<U>Standard Provisions</U>&rdquo;
means these Standard Provisions that form a part of the Articles of Amendment.</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&ldquo;<U>Voting Parity Stock</U>&rdquo;
means, with regard to any matter as to which the holders of Series A Preferred Stock are entitled to vote as specified in Section
6, any and all series of Dividend Parity Stock having voting rights equivalent to those described in Section 6(c).</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 3. <U>Dividends</U>.</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&#9;(a) &#9;<U>Rate and Payment</U>. Holders of Series
A Preferred Stock shall be entitled to receive, when, as and if declared by the Board of Directors, out of assets legally available
therefor, non-cumulative cash dividends at a rate equal to 6.20% of the Series A Liquidation Amount <I>per annum</I>, payable in
arrears, on each Dividend Payment Date with respect to the Dividend Period (or portion thereof) ending on the day preceding such
respective Dividend Payment Date. Dividends that are payable on the Series A Preferred Stock on any Dividend Payment Date shall
be payable to holders of record of Series A Preferred Stock as they appear on the Corporation&rsquo;s stock register on the applicable
record date, which shall be the 15th calendar day before the applicable Dividend Payment Date, or such other record date, no more
than 60 calendar days nor less than 10 calendar days before the applicable Dividend Payment Date, as shall be fixed by the Board
of Directors (the &ldquo;<U>Dividend Record Date</U>&rdquo;). A Dividend Record Date established for the Series A Preferred Stock
need not be a Business Day. Any such day that is a Dividend Record Date shall be a Dividend Record Date whether or not such day
is a Business Day. Dividends payable on Series A Preferred Stock shall be computed on the basis of a 360-day year consisting of
twelve 30-day months. Dollar amounts resulting from that calculation shall be rounded to the nearest cent, with one-half cent being
rounded upward. The Corporation shall not pay interest or any sum of money instead of interest on any dividend payment that may
be in arrears on the Series A Preferred Stock.</P>

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

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&#9;(b)&#9;<U>Dividends Non-Cumulative</U>. Dividends
on the Series A Preferred Stock will not be cumulative and will not be mandatory. If the Board of Directors does not declare a
dividend on the Series A Preferred Stock in respect of a Dividend Period, then no dividend shall be deemed to have accrued for
such Dividend Period, no dividend shall be payable on the related Dividend Payment Date, and the Corporation shall have no obligation
to pay any dividend for such Dividend Period, whether or not the Board of Directors declares a dividend for any future Dividend
Period with respect to the Series A Preferred Stock or at any future time with respect to any other class or series of the Corporation&rsquo;s
capital stock.</P>

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<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&#9;(c)&#9;<U>Priority Regarding Dividends</U>. So long
as any share of Series A Preferred Stock remains outstanding, unless (A) the full dividends for the most recently completed Dividend
Period have been declared and paid (or declared and a sum sufficient for the payment thereof has been set aside) on all outstanding
shares of Series A Preferred Stock and (B) the Corporation is not in default on its obligation to redeem any shares of Series A
Preferred Stock that have been called for redemption:</P>

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

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 54pt">(i)&#9;no dividend shall be declared,
paid or set aside for payment, and no distribution shall be declared, made or set aside for payment, on any Junior Stock, other
than (1) a dividend payable solely in Junior Stock or (2) any dividend in connection with the implementation of a stockholders&rsquo;
rights plan, or the redemption or repurchase of any rights under any such plan;</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 54pt">&nbsp;</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 54pt">(ii) no shares of Junior Stock shall
be repurchased, redeemed or otherwise acquired for consideration by the Corporation, directly or indirectly, other than (1) as
a result of a reclassification of Junior Stock for or into other Junior Stock, (2) the exchange or conversion of Junior Stock for
or into other Junior Stock, (3) through the use of the proceeds of a sale of other shares of Junior Stock within the preceding
180 days, (4) purchases, redemptions or other acquisitions of shares of Junior Stock in connection with any employment contract,
benefit plan or other similar arrangement with or for the benefit of employees, officers, directors or consultants, (5) purchases
of shares of Junior Stock pursuant to a contractually binding requirement to buy Junior Stock existing prior to the most recently
completed Dividend Period, including under a contractually binding stock repurchase plan (including a so-called Rule 10b5-1(c)
purchase plan), (6) the purchase of fractional interests in shares of Junior Stock pursuant to the conversion or exchange provisions
of such stock or the security being converted or exchanged, (7) purchases or other acquisitions by any of the Corporation&rsquo;s
broker-dealer subsidiaries solely for the purpose of market making, stabilization or customer facilitation transactions in Junior
Stock in the ordinary course of business, (8) purchases by any of the Corporation&rsquo;s broker-dealer subsidiaries of the Corporation&rsquo;s
capital stock for resale pursuant to an offering by the Corporation of such capital stock underwritten by such broker-dealer subsidiary,
or (9) the acquisition by the Corporation or any of the Corporation&rsquo;s subsidiaries of record ownership in Junior Stock for
the beneficial ownership of any other persons (other than for the beneficial ownership by the Corporation or any of the Corporation&rsquo;s
subsidiaries), including as trustees or custodians, nor shall any monies be paid to or made available for a sinking fund for the
redemption of any such securities by the Corporation, and</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 54pt">&nbsp;</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 54pt">(iii) no shares of Dividend Parity
Stock shall be repurchased, redeemed or otherwise acquired for consideration by the Corporation, directly or indirectly, other
than (1) pursuant to <I>pro rata</I> offers to purchase all, or a <I>pro rata</I> portion, of the Series A Preferred Stock and
such Dividend Parity Stock, (2) as a result of a reclassification of Dividend Parity Stock for or into other Dividend Parity Stock,
(3) the exchange or conversion of Dividend Parity Stock for or into other Dividend Parity Stock, (4) through the use of the proceeds
of a sale of other shares of Dividend Parity Stock within the</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0">preceding 180 days, (5) purchases of shares
of Dividend Parity Stock pursuant to a contractually binding requirement to buy Dividend Parity Stock existing prior to the most
recently completed Dividend Period, including under a contractually binding stock repurchase plan (including a so-called Rule 10b5-1(c)
purchase plan), (6) the purchase of fractional interests in shares of Dividend Parity Stock pursuant to the conversion or exchange
provisions of such stock or the security being converted or exchanged, (7) purchases or other acquisitions by any of the Corporation&rsquo;s
broker-dealer subsidiaries solely for the purpose of market making, stabilization or customer facilitation transactions in Dividend
Parity Stock in the ordinary course of business, (8) purchases by any of the Corporation&rsquo;s broker-dealer subsidiaries of
the Corporation&rsquo;s capital stock for resale pursuant to an offering by the Corporation of such capital stock underwritten
by such broker-dealer subsidiary, or (9) the acquisition by the Corporation or any of the Corporation&rsquo;s subsidiaries of record
ownership in Dividend Parity Stock for the beneficial ownership of any other persons (other than for the beneficial ownership by
the Corporation or any of the Corporation&rsquo;s subsidiaries), including as trustees or custodians, nor shall any monies be paid
to or made available for a sinking fund for the redemption of any such securities by the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">When dividends are not paid in full upon
the shares of Series A Preferred Stock and any Dividend Parity Stock, all dividends paid or declared for payment on a dividend
payment date with respect to the Series A Preferred Stock and the Dividend Parity Stock shall be shared (i) first ratably by the
holders of any Dividend Parity Stock who have the right to receive dividends with respect to past dividend periods for which such
dividends were not declared and paid, in proportion to the respective amounts of the undeclared and unpaid dividends relating to
past dividend periods, and thereafter (ii) ratably by the holders of Series A Preferred Stock and any Dividend Parity Stock, in
proportion to the respective amounts of the undeclared and unpaid dividends relating to the current dividend period. To the extent
a dividend period with respect to any Dividend Parity Stock coincides with more than one Dividend Period with respect to the Series
A Preferred Stock, for purposes of the immediately preceding sentence the Board of Directors shall treat such dividend period as
two or more consecutive dividend periods, none of which coincides with more than one Dividend Period with respect to the Series
A Preferred Stock or in any manner that it deems to be fair and equitable. The term &ldquo;<U>dividend period</U>&rdquo; as used
in this paragraph means such dividend periods as are provided for in the terms of any Dividend Parity Stock and, in the case of
shares of Series A Preferred Stock, Dividend Periods applicable to shares of Series A Preferred Stock; and the term &ldquo;<U>dividend
payment dates</U>&rdquo; as used in this paragraph means such dividend payment dates as are provided for in the terms of any Dividend
Parity Stock and, in the case of shares of Series A Preferred Stock, Dividend Payment Dates applicable to shares of Series A Preferred
Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#9;(d)&#9;<U>Dividends Generally</U>. Subject to Section
3(c), and not otherwise, dividends (payable in cash, securities or otherwise) as may be determined by the Board of Directors may
be declared and paid on any class or series of Junior Stock or Dividend Parity Stock from time to time out of any assets legally
available therefor, and the holders of Series A</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0">Preferred Stock shall not be entitled to
participate in any such dividend. Holders of Series A Preferred Stock shall not be entitled to receive any dividends not declared
by the Board of Directors and no interest, or sum of money in lieu of interest, shall be payable in respect of any dividend not
so declared.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#9;(e)&#9;<U>Limitations Under Applicable Law</U>. Dividends
on the Series A Preferred Stock shall not be declared, paid or set aside for payment, if the Corporation fails to comply, or if
and to the extent such act would cause the Corporation to fail to comply, with applicable laws and regulations, including any capital
adequacy guidelines or regulations of the Board of Governors of the Federal Reserve System (or, as and if applicable, the capital
adequacy guidelines or regulations of any successor Appropriate Federal Banking Agency).</P>

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

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 4. <U>Liquidation</U>.</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#9;(a)&#9;<U>Voluntary or Involuntary Liquidation</U>.
In the event of any voluntary or involuntary liquidation, dissolution or winding-up of the Corporation, holders of Series A Preferred
Stock shall be entitled to receive out of assets of the Corporation or proceeds thereof available for distribution to stockholders
of the Corporation, after satisfaction of liabilities or obligations to creditors and subject to the rights of holders of any securities
ranking senior to Series A Preferred Stock with respect to distributions upon the voluntary or involuntary liquidation, dissolution
or winding-up of the Corporation, before any distribution of assets is made to holders of any Liquidation Junior Stock, a liquidating
distribution in an amount equal to (i) the Series A Liquidation Amount plus (ii) the per share amount of any declared and unpaid
dividends on the Series A Preferred Stock prior to the date of payment of such liquidating distribution (but without any amount
in respect of dividends that have not been declared prior to such payment date). After payment of the full amount of such liquidating
distribution, the holders of Series A Preferred Stock shall not be entitled to any further participation in any distribution of
assets of the Corporation.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#9;(b)&#9;<U>Partial Payment</U>. In any distribution
described in Section 4(a), if the assets of the Corporation or proceeds thereof are not sufficient to pay in full the Liquidation
Preference to all holders of Series A Preferred Stock and all Liquidation Parity Stock, the amounts paid to the holders of Series
A Preferred Stock and to the holders of all Liquidation Parity Stock shall be paid <I>pro rata</I> in accordance with the respective
aggregate Liquidation Preferences of the Series A Preferred Stock and all other series of Liquidation Parity Stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#9;(c) &#9;<U>Residual Distributions</U>. If the Liquidation
Preference has been paid in full to all holders of Series A Preferred Stock and the Liquidation Preference has been paid in full
on all Liquidation Parity Stock, the holders of any Liquidation Junior Stock shall be entitled to receive all remaining assets
of the Corporation or proceeds thereof according to their respective rights and preferences.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#9;(d)&#9;<U>Merger, Consolidation or Other Business
Combination</U>. For purposes of this Section 4, the merger, consolidation or other business combination of the Corporation with
or into any other entity, or by another entity with or into the Corporation, including a merger, consolidation or other business
combination in which the holders of Series A Preferred Stock receive cash, securities or property for their shares, or the sale,
lease, exchange or transfer of all or substantially all of the property or assets of the Corporation (for cash, securities or other
property), shall not constitute a liquidation, dissolution or winding-up of the Corporation.</P>

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

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 5. <U>Redemption</U>.</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#9;(a)&#9;<U>Mandatory Redemption; Sinking Fund</U>.
The Series A Preferred Stock is perpetual and has no maturity date. The Series A Preferred Stock is not subject to any mandatory
redemption, sinking fund or other similar provisions. The holders of the Series A Preferred Stock shall not have the right to require
the redemption or repurchase of the Series A Preferred Stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#9;(b)&#9;<U>Optional Redemption</U>. The Corporation
may, at its option through a resolution duly adopted by the Board of Directors, redeem the Series A Preferred Stock at a price
per share equal to the Redemption Price (1) in whole or in part, from time to time, on any Dividend Payment Date on or after April
10, 2018, or (2) in whole, but not in part, at any time within 90 days following the occurrence of a Regulatory Capital Treatment
Event. The Redemption Price shall be payable to the holder of any shares of Series A Preferred Stock redeemed on the date fixed
for such redemption (the &ldquo;<U>Redemption Date</U>&rdquo;) against the surrender of the certificate(s) evidencing such shares
to the Corporation or its agent, if the shares of Series A Preferred Stock are issued in certificated form; <I>provided</I> that
any declared but unpaid dividends payable on a Redemption Date that occurs subsequent to the Dividend Record Date for a Dividend
Period shall not be paid to the holder of Series A Preferred Stock entitled to receive the Redemption Price on the Redemption Date,
but rather shall be paid to the holder of record of the redeemed shares on such Dividend Record Date relating to the Dividend Payment
Date as provided in Section 3 above.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#9;(c)&#9;<U>Notice of Redemption</U>. If any shares
of Series A Preferred Stock are to be redeemed, a notice of redemption shall be given by first class mail to the holders of record
of Series A Preferred Stock to be redeemed at their respective last addresses appearing on the books of the Corporation (provided
that, if Series A Preferred Stock is held in book-entry form through DTC, the Corporation may give such notice in any manner permitted
by DTC). Such notice shall be mailed at least 30 days and no more than 60 days before the applicable Redemption Date for such shares.
Each such notice of redemption shall include a statement setting forth: (1) the Redemption Date for such shares of Series A Preferred
Stock; (2) the number of shares of Series A Preferred Stock to be redeemed and, if less than all the shares held by such holder
are to be redeemed, the number of such shares to be redeemed from such holder; (3) the Redemption Price; and (4) the place or places
where the certificates evidencing shares of Series A Preferred</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0">Stock are to be surrendered for payment of
the Redemption Price. Any notice of redemption mailed or otherwise delivered as provided in this Section 5(c) shall be conclusively
presumed to have been duly given, whether or not any holder of Series A Preferred Stock receives such notice. Failure to duly give
notice by mail or otherwise pursuant to this Section 5(c), or any defect in such notice or in the mailing or provision of such
notice, to any holder of shares of Series A Preferred Stock designated for redemption shall not affect the validity of the proceedings
for the redemption of any other shares of Series A Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#9;(d)&#9;<U>Partial Redemption</U>. In case of any
redemption of only part of the shares of Series A Preferred Stock at the time outstanding, the shares of Series A Preferred Stock
to be redeemed shall be selected either <I>pro rata</I>, by lot or in such other manner as the Corporation, through a resolution
duly adopted by the Board of Directors, may determine to be fair and equitable.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#9;(e)&#9;<U>Effectiveness of Redemption</U>. If notice
of redemption has been duly given and if on or before the Redemption Date specified in such notice all funds necessary for the
redemption have been set aside by the Corporation, separate and apart from its other assets, in trust for the <I>pro rata</I> benefit
of the holders of the shares of Series A Preferred Stock called for redemption, so as to be and continue to be available therefor,
or deposited by the Corporation with a bank or trust company selected by the Corporation (the &ldquo;<U>Redemption Depository</U>&rdquo;)
in trust for the <I>pro rata</I> benefit of the holders of the shares called for redemption, then, notwithstanding that any certificate
for any share so called for redemption has not been surrendered for cancellation, on and after the Redemption Date all shares of
Series A Preferred Stock called for redemption shall cease to be outstanding, all dividends with respect to such shares of Series
A Preferred Stock shall cease to accrue after such Redemption Date, and all rights with respect to such shares shall forthwith
on such Redemption Date cease and terminate, except only the right of the holders thereof to receive the amount payable on such
redemption from the Redemption Depository at any time after the applicable Redemption Date from the funds so deposited, without
interest. The Corporation shall be entitled to receive, from time to time, from the Redemption Depository any interest accrued
on such funds, and the holders of any shares called for redemption shall have no claim to any such interest. Any funds so deposited
and unclaimed at the end of two years from the applicable Redemption Date shall, to the extent permitted by law, be released or
repaid to the Corporation, and in the event of such repayment to the Corporation, the holders of record of the shares of Series
A Preferred Stock called for redemption shall thereafter, as unsecured general creditors of the Corporation, look only to the Corporation
for the payment of an amount equivalent to the amount deposited as stated above for the redemption of such shares, but shall in
no event be entitled to any interest.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#9;(f)&#9;<U>Limitations Under Applicable Law</U>. If
then required under the capital adequacy guidelines or regulations of the Board of Governors of the Federal Reserve System (or,
if and as applicable, the capital adequacy guidelines or regulations of any successor Appropriate Federal Banking Agency), any
redemption of all or part of the</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0">Series A Preferred Stock is subject to the
receipt by the Corporation of any required prior approval by the Board of Governors of the Federal Reserve System (or such successor
Appropriate Federal Banking Agency).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 6. <U>Voting Rights</U>.</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#9;(a)&#9;<U>General</U>. Except as provided below or
as expressly required by law, the holders of shares of Series A Preferred Stock shall have no voting power, and no right to vote
on any matter at any time, either as a separate series or class or together with any other series or class of shares of capital
stock of the Corporation, and shall not be entitled to call a meeting of the holders of any series or class of capital stock of
the Corporation for any purpose, nor shall they be entitled to participate in any meeting of the holders of the Common Stock. Each
holder of Series A Preferred Stock shall have one vote per share (except as set forth otherwise in this Section 6) on any matter
on which holders of Series A Preferred Stock are entitled to vote, including when acting by written consent.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#9;(b)&#9;<U>Supermajority Voting Rights</U>. So long
as any shares of Series A Preferred Stock remain outstanding, in addition to any other vote or consent of stockholders required
by law or the Charter, the affirmative vote or consent of the holders of at least two-thirds of all of the shares of Series A Preferred
Stock at the time outstanding and entitled to vote thereon, voting separately as a single class, shall be required to:</P>

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

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(i)&#9;authorize or increase the authorized
amount of, or issue shares of, any class or series of capital stock of the Corporation ranking senior to the Series A Preferred
Stock with respect to payment of dividends or as to distributions upon the liquidation, dissolution or winding-up of the Corporation,
or issue any obligation or security convertible into or evidencing the right to purchase, any such class or series of capital stock
of the Corporation;</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(ii)&#9;amend the provisions of the
Charter or Bylaws so as to materially and adversely affect the special powers, preferences, privileges or rights of Series A Preferred
Stock, taken as a whole; or</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(iii)&#9;consummate a binding
share-exchange or reclassification involving the Series A Preferred Stock, or a merger or consolidation of the Corporation
with or into another entity, unless the shares of Series A Preferred Stock (i) remain outstanding or (ii) are converted into
or exchanged for preference securities of the surviving entity or any entity controlling such surviving entity and such new
preference securities have terms that are not materially less favorable than those of the Series A Preferred Stock; <I>provided</I>, <I>however</I>,
that, for all purposes of this Section 6(b), the authorization, creation and issuance, or an increase in the authorized or
issued amount of, Junior Stock or any series of Preferred Stock, or any securities convertible into or exchangeable or
exercisable for Junior Stock or any series of Preferred Stock, that by its terms expressly provides that it ranks <I>pari
passu</I> with the Series A Preferred Stock with respect to the payment of dividends (whether such dividends are cumulative
or non-cumulative) and as</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">to distributions upon the liquidation, dissolution or winding-up
of the Corporation shall not be deemed to materially and adversely affect the powers, preferences, privileges or rights of Series
A Preferred Stock, and shall not require the affirmative vote or consent of, the holders of any outstanding shares of Series A
Preferred Stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#9;(c)&#9;<U>Election of Directors under Certain Circumstances</U>.</P>

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

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(i)&#9;If and when dividends on the
Series A Preferred Stock and any other class or series of Voting Parity Stock have not been declared and paid (i) in the case of
the Series A Preferred Stock and any other class or series of Voting Parity Stock bearing non-cumulative dividends, in full for
at least six quarterly dividend periods or their equivalent (whether or not consecutive) or (ii) in the case of any class or series
of Voting Parity Stock bearing cumulative dividends, in an aggregate amount equal to full dividends for at least six quarterly
dividend periods or their equivalent (whether or not consecutive) (each, a &ldquo;<U>Nonpayment Event</U>&rdquo;), the number of
directors then constituting the Board of Directors shall automatically be increased by two and the holders of Series A Preferred
Stock, together with the holders of any outstanding shares of Voting Parity Stock, voting together as a single class, shall be
entitled to elect the two additional directors (the &ldquo;<U>Preferred Stock Directors</U>&rdquo;) at any annual or special meeting
of stockholders at which directors are to be elected or any special meeting of the holders of the Series A Preferred Stock and
any Voting Parity Stock for which dividends have not been paid; <I>provided</I> that it shall be a qualification for election for
any such Preferred Stock Director that the election of such director shall not cause the Corporation to violate the corporate governance
requirement of the New York Stock Exchange (or any other securities exchange or other trading facility on which securities of the
Corporation may then be listed or traded) and <I>provided</I>,<I> further</I>, that the Board of Directors shall at no time include
more than two Preferred Stock Directors (including, for purposes of this limitation, all directors that the holders of any series
of Voting Parity Stock are entitled to elect pursuant to like voting rights).</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(ii)&#9;In the event that the holders
of Series A Preferred Stock and, if applicable, such other holders of Voting Parity Stock shall be entitled to vote for the election
of the Preferred Stock Directors following a Nonpayment Event, such directors shall be initially elected following such Nonpayment
Event only at a special meeting called by the Secretary of the Corporation or at the written request of the holders of record of
at least 20% of the aggregate number of shares of Series A Preferred Stock and each other series of Voting Parity Stock which then
have the right to exercise voting rights similar to those described above then outstanding (unless such request for a special meeting
is received less than 90 days before the date fixed for the next annual or special meeting of the stockholders of the Corporation,
in which event such election shall be held only at such next annual or special meeting of stockholders), and at each subsequent
annual meeting of stockholders of the Corporation. Such request to call a special meeting for the initial election of the Preferred
Stock Directors after a Nonpayment Event shall be made by written notice, signed by the requisite holders of Series A Preferred
Stock or</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0">Voting Parity Stock, and delivered to the
Secretary of the Corporation in such manner as provided for in Section 10 below, or as may otherwise be required by applicable
law. If the Secretary of the Corporation fails to call a special meeting for the election of the Preferred Stock Directors within
20 days of receiving proper notice, any holder of Series A Preferred Stock may call such a meeting at the Corporation&rsquo;s expense
solely for the election of the Preferred Stock Directors, and for this purpose only such Series A Preferred Stock holder shall
have access to the Corporation&rsquo;s stock ledger. The Preferred Stock Directors elected at any such special meeting shall hold
office until the next annual meeting of the stockholders if such office shall not have previously terminated as below provided.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(iii)&#9;When dividends have been
paid in full on the Series A Preferred Stock and any and all series of non-cumulative Voting Parity Stock (other than the Series
A Preferred Stock) for consecutive Dividend Periods equivalent to at least one year after a Nonpayment Event and all dividends
on any cumulative Voting Parity Stock have been paid in full, then the right of the holders of Series A Preferred Stock to elect
the Preferred Stock Directors shall cease (but subject always to re-vesting of such voting rights in the case of any future Nonpayment
Event), and, if and when any rights of holders of Series A Preferred Stock and Voting Parity Stock to elect the Preferred Stock
Directors shall have ceased, the terms of office of all the Preferred Stock Directors shall forthwith terminate and the number
of directors constituting the Board of Directors shall automatically be reduced accordingly.</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(iv)&#9;Any Preferred Stock Director
may be removed at any time without cause by the holders of record of a majority of the outstanding shares of Series A Preferred
Stock and Voting Parity Stock, when they have the voting rights described above (voting together as a single class). In case any
vacancy shall occur among the Preferred Stock Directors, a successor shall be elected by the Board of Directors to serve until
the next annual meeting of the stockholders upon the nomination of the then remaining Preferred Stock Director or, if no Preferred
Stock Director remains in office, by the vote of the holders of record of a majority of the outstanding shares of Series A Preferred
Stock and such Voting Parity Stock, voting as a single class. The Preferred Stock Directors shall each be entitled to one vote
per director on any matter that shall come before the Board of Directors for a vote.</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#9;(d)&#9;<U>Changes after Provision for Redemption</U>.
The voting rights provided in this Section 6 shall not apply if, at or prior to the time when the act with respect to which such
vote or consent would otherwise be required shall be effected, all outstanding shares of Series A Preferred Stock have been redeemed
or called for redemption upon proper notice and sufficient funds have been set aside in accordance with Section 5(e).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#9;(e)&#9;<U>Changes for Clarification</U>. Without
the consent of the holders of Series A Preferred Stock, so long as such action does not materially and adversely affect the rights,
preferences, privileges and voting powers, and limitations and restrictions thereof, of the</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0">Series A Preferred Stock, the Corporation
may amend, alter, supplement or repeal any terms of the Series A Preferred Stock:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(i)&#9;to cure any ambiguity, or to
cure, correct or supplement any provision contained in this Articles of Amendment that may be defective or inconsistent; or</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(ii)&#9;to make any provision with
respect to matters or questions arising with respect to the Series A Preferred Stock that is not inconsistent with the provisions
of this Articles of Amendment.</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#9;(f)&#9;<U>Procedures for Voting and Consents</U>.
The rules and procedures for calling and conducting any meeting of the holders of Series A Preferred Stock (including, without
limitation, the fixing of a record date in connection therewith), the solicitation and use of proxies at such a meeting, the obtaining
of written consents and any other aspect or matter with regard to such a meeting or such consents shall be governed by any rules
the Board of Directors, in its discretion, may adopt from time to time, which rules and procedures shall conform to the requirements
of the Charter, the Bylaws, applicable law and any national securities exchange or other trading facility on which the Series A
Preferred Stock is listed or traded at the time. Whether the vote or consent of the holders of a majority or other portion of the
shares of Series A Preferred Stock and any Voting Parity Stock has been cast or given on any matter on which the holders of shares
of Series A Preferred Stock are entitled to vote shall be determined by the Corporation by reference to the respective liquidation
preference amounts of the shares of Series A Preferred Stock and Voting Parity Stock voted or covered by the consent.</P>

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

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 7. <U>Conversion Rights</U>.
The holders of shares of Series A Preferred Stock shall not have any rights to convert such shares into shares of any other class
or series of securities of the Corporation.</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 8. <U>Preemptive Rights</U>.
The holders of shares of Series A Preferred Stock shall have no preemptive rights with respect to any shares of the Corporation&rsquo;s
capital stock or any of its other securities convertible into or carrying rights or options to purchase any such capital stock.</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 9. <U>Record Holders</U>.
To the fullest extent permitted by applicable law, the Corporation and the transfer agent for the Series A Preferred Stock may
deem and treat the record holder of any share of Series A Preferred Stock as the true and lawful owner thereof for all purposes,
and neither the Corporation nor such transfer agent shall be affected by any notice to the contrary.</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 10. <U>Notices</U>. All notices
or communications in respect of the Series A Preferred Stock shall be sufficiently given if given in writing and delivered in person
or by first class mail or if giving in such other manner as may be permitted herein, in the Charter or Bylaws or by applicable
law. Delivery of a notice or communication to the</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0">Company will be effective upon receipt. Delivery
of a notice or communication to holders of shares of Series A Preferred Stock will be effective upon, in the case of personal delivery,
receipt or, in the case of mailing, deposit in the mail, postage prepaid. Notwithstanding the foregoing, if shares of Series A
Preferred Stock or depositary shares representing an interest in shares of Series A Preferred Stock are issued in book-entry form
through DTC, such notices may be given to the holders of the Series A Preferred Stock in any manner permitted by DTC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 11. <U>Stock Certificates</U>.
The Corporation may at its option issue shares of Series A Preferred Stock without certificates.</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 12. <U>Other Rights</U>. The
Series A Preferred Stock shall not have any powers, preferences, privileges or rights other than as set forth herein or in the
Charter or as provided by applicable law.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 3.2</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>BYLAWS OF<BR>
FIRST HORIZON NATIONAL CORPORATION<BR>
(As Amended and Restated May 1, 2013)</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE ONE<BR>
<U>OFFICES</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>1.1 <U>Principal Office.</U></B> The principal office
of First Horizon National Corporation (the &ldquo;Corporation&rdquo;) shall be 165 Madison Avenue, Memphis, Tennessee.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>1.2 <U>Other Offices.</U></B> The Corporation may
have offices at such other places, either within or without the State of Tennessee, as the Board of Directors may from time to
time designate or as the business of the Corporation may from time to time require.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>1.3 <U>Registered Office.</U></B> The registered office
of the Corporation required to be maintained in the State of Tennessee shall be the same as its principal office and may be changed
from time to time as provided by law.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE TWO<BR>
<U>SHAREHOLDERS</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>2.1 <U>Place of Meetings.</U></B> Meetings of the
shareholders of the Corporation may be held either in the State of Tennessee or elsewhere; but in the absence of notice to the
contrary, shareholders&rsquo; meetings shall be held at the principal office of the Corporation in Memphis, Tennessee.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>2.2 <U>Quorum and Adjournments.</U></B> The holders
of a majority of the shares issued and outstanding and entitled to vote thereat, present in person or represented by proxy, shall
be requisite, and shall constitute a quorum at all meetings of the shareholders, for the transaction of business, except as otherwise
provided by law, the Restated Charter of the Corporation, as amended from time to time (the &ldquo;Charter&rdquo;), or these Bylaws.
In the event a quorum is not obtained at the meeting, the holders of a majority of the shares entitled to vote thereat, present
in person or by proxy, shall have power to adjourn the meeting from time to time and, whether or not a quorum is obtained at the
meeting, the Chairman of the meeting shall have the power to adjourn the meeting from time to time, in either case without notice,
except as otherwise provided by law, other than announcement at the meeting. At such adjourned meeting at which the requisite amount
of voting shares shall be represented, any business may be transacted which might have been transacted at the meeting as originally
notified.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>2.3 <U>Notice of Meetings.</U></B> Unless otherwise
required by applicable law, written notice of the annual and each special meeting stating the date, time and place of the meeting
shall be mailed, postage prepaid, or otherwise delivered to each shareholder entitled to vote thereat at such address as appears
on the records of shareholders of the Corporation, at least ten (10) days, but not more than two (2) months, prior to the meeting
date. In addition, notice of any special meeting shall state the purpose or purposes for which the meeting is called and the person
or persons calling the meeting. In the event of an adjournment of a meeting to a date more than four months after the date fixed
for the original meeting or the Board of Directors fixes a new record date for the adjourned meeting, a new notice of the adjourned
meeting must be given to shareholders as of the new record date. Any previously scheduled meeting may be postponed, and any special
meeting may be canceled, by resolution of the Board of Directors upon public notice given prior to the date scheduled for such
meeting.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>2.4 <U>Annual Meetings.</U></B> The annual meeting
of shareholders for the election of directors and for the transaction of such other business as may properly come before the meeting
shall be held each year on such date and at such time as the Board of Directors may fix by resolution by vote of a majority of
the entire Board of Directors. At the meeting, the shareholders shall elect by ballot directors to succeed the directors whose
terms expire at the meeting and may transact such other business as may properly come before the meeting.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>2.5 <U>Special Meetings.</U></B> Special meetings
of the shareholders for any purpose or purposes, unless otherwise prescribed by statute, may be called by Chairman of the Board
and shall be called by the Chairman of the Board or the Secretary at the request in writing of a majority of the Board of Directors.
Only such business within the purpose or purposes described in the notice of the meeting may be conducted at the meeting.</P>



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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>2.6 <U>Waiver of Notice.</U></B> Any shareholder may
waive in writing notice of any meeting either before, at or after the meeting. Attendance by a shareholder in person or by proxy
at a meeting shall constitute a waiver of objection to lack of notice or defective notice and a waiver of objection to consideration
of a matter that was not described in the meeting notice unless the shareholder objects in the manner required by law.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>2.7 <U>Voting.</U></B> Unless otherwise required by
the Charter, at each meeting of shareholders, each shareholder shall have one vote for each share of stock having voting power
registered in the shareholder&rsquo;s name on the records of the Corporation on the record date for that meeting, and every shareholder
having the right to vote shall be entitled to vote in person or by proxy appointed by instrument in writing or any other method
permitted by law.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>2.8 <U>Procedures for Bringing Business before Shareholder
Meeting.</U></B> At an annual or special meeting of shareholders, only such business shall be conducted, and only such proposals
shall be acted upon, as shall have been properly brought before an annual or special meeting of shareholders. To be properly brought
before an annual or special meeting of shareholders, business must be (i) in the case of a special meeting called by the Chairman
of the Board or at the request of the Board of Directors, specified in the notice of the special meeting (or any supplement thereto),
or (ii) in the case of an annual meeting properly brought before the meeting by or at the direction of the Board of Directors or
(iii) otherwise properly brought before the annual or special meeting by a shareholder. For business to be properly brought before
such a meeting of shareholders by a shareholder, the shareholder must have given timely notice thereof in writing to the Secretary
of the Corporation. To be timely, a shareholder&rsquo;s notice must be delivered to or mailed and received at the principal executive
offices of the Corporation not less than 90 days nor more than 120 days prior to the date of the meeting; provided, however, that
if fewer than 100 days&rsquo; notice or prior public disclosure of the date of the meeting is given or made to shareholders, notice
by the shareholders to be timely must be so delivered or received not later than the close of business on the 10th day following
the earlier of (i) the day on which such notice of the date of such meeting was mailed or (ii) the day on which such public disclosure
was made. A shareholder&rsquo;s notice to the Secretary shall set forth as to each matter the shareholder proposes to bring before
a meeting of shareholders (i) a brief description of the business desired to be brought before the meeting and the reasons for
conducting such business at the meeting, (ii) the name and address, as they appear on the Corporation&rsquo;s books, of the shareholder
proposing such business and any other shareholders known by such shareholder to be supporting such proposal, (iii) the class and
number of shares of the Corporation which are beneficially owned by such shareholder on the date of such shareholder&rsquo;s notice
and by any other shareholders known by such shareholder to be supporting such proposal on the date of such shareholder&rsquo;s
notice, and (iv) any material interest of the shareholder in such proposal. Notwithstanding anything in these Bylaws to the contrary,
no business shall be conducted at a meeting of shareholders except in accordance with the procedures set forth in this Section
2.8. The Chairman of the meeting shall, if the facts warrant, determine and declare to the meeting that the business was not properly
brought before the meeting in accordance with the procedures prescribed by these Bylaws, and if the Chairman should so determine,
the Chairman shall so declare to the meeting and any such business not properly brought before the meeting shall not be transacted.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>2.9 <U>SEC Proxy Rules.</U></B> In addition to complying
with the provisions of Section 2.8, a shareholder shall also comply with all applicable requirements of the Securities Exchange
Act of 1934 and the rules and regulations thereunder with respect to the matters set forth in Section 2.8. Nothing in Section 2.8
shall be deemed to affect any rights of shareholders to request inclusion of proposals in the Corporation&rsquo;s proxy statement
pursuant to rules of the Securities and Exchange Commission. For such proposals to be acted upon at a meeting, however, compliance
with the notice provisions of Section 2.8 is also required.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE THREE<BR>
<U>DIRECTORS</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>3.1 <U>Powers of Directors.</U></B> The business and
affairs of the Corporation shall be managed under the direction of and all corporate powers shall be exercised by or under the
authority of the Board of Directors.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>3.2 <U>Number and Qualifications.</U></B> The Board
of Directors shall consist of eleven members. The Board of Directors has the power to change from time to time the number of directors
specified in the preceding sentence. Any such change in the number of directors constituting the Corporation&rsquo;s Board Directors
must be made</P>



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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">exclusively by means of an amendment to these Bylaws adopted
by a majority of the entire Board of Directors then in office. Directors need not be shareholders of the Corporation nor residents
of the State of Tennessee.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>3.3 <U>Term of Office.</U></B> Except as otherwise
provided by law or by the Charter, the term of each director hereafter elected shall be from the time of his or her election and
qualification until the annual meeting next following such election and until a successor shall have been duly elected and qualified;
subject, however, to the right of the removal of any director as provided by law, by the Charter or by these Bylaws.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>3.4 <U>Compensation.</U></B> The directors shall be
paid for their services on the Board of Directors and on any Committee thereof such compensation (which may include cash, shares
of stock of the Corporation and options thereon) and benefits together with reasonable expenses, if any, at such times as may,
from time to time, be determined by resolution adopted by a majority of the entire Board of Directors; provided that nothing herein
contained shall be construed to preclude any director from serving the Corporation in any other capacity and being compensated
therefor; provided further that if the Chairman of the Board is at the same time serving as the Chief Executive Officer of the
Corporation, he or she will not be compensated as a non-employee director for his or her service as Chairman.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>3.5 <U>Committees.</U></B> The directors, by resolution
adopted by a majority of the entire Board of Directors, may designate an executive committee and other committees, consisting of
two or more directors, and may delegate to such committee or committees all such authority of the Board of Directors that it deems
desirable, including, without limitation, authority to appoint corporate officers, fix their salaries, and, to the extent such
is not provided by law, the Charter or these Bylaws, to establish their authority and responsibility, except that no such committee
or committees shall have and exercise the authority of the Board of Directors to:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt; text-align: left">(a)</TD><TD>authorize distributions (which include dividend declarations),
except according to a formula or method prescribed by the Board of Directors,</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: -72pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt; text-align: left">(b)</TD><TD>fill vacancies on the Board of Directors or on any of its
committees,</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: -72pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt; text-align: left">(c)</TD><TD>adopt, amend or repeal bylaws,</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: -72pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt; text-align: left">(d)</TD><TD>authorize or approve the reacquisition of shares, except
according to a formula or method prescribed by the Board of Directors, or</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: -72pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt; text-align: left">(e)</TD><TD>authorize or approve the issuance or sale or contract for
sale of shares, or determine the designation and relative rights, preferences and limitations of a class or series of shares,
except that the Board of Directors may authorize a committee to do so within limits specifically prescribed by the Board of Directors.</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: -72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>3.6 <U>Procedures for Director Nominations.</U></B> Except
as provided in Section 3.7 with respect to vacancies on the Board of Directors, only persons nominated in accordance with the procedures
set forth in this Section 3.6 shall be eligible for election as directors. Nominations of persons for election to the Board of
Directors may be made at a meeting of shareholders (i) by or at the direction of the Board of Directors, or (ii) by any shareholder
of the Corporation entitled to vote for the election of directors at such meeting who complies with the notice procedures set forth
in this Section 3.6. Such nominations, other than those made by or at the direction of the Board of Directors, shall be made pursuant
to timely notice in writing to the Secretary of the Corporation. To be timely, a shareholder&rsquo;s notice must be delivered to
or mailed and received at the principal executive offices of the Corporation not less than 90 days nor more than 120 days prior
to the date of a meeting; provided, however, that if fewer than 100 days&rsquo; notice or prior public disclosure of the date of
the meeting is given or made to shareholders, notice by the shareholder to be timely must be so delivered or received not later
than the close of business on the 10th day following the earlier of (i) the day on which such notice of the date of such meeting
was mailed or (ii) the day on which such public disclosure was made. A shareholder&rsquo;s notice to the Secretary shall set forth
(i) as to each person whom the shareholder proposes to nominate for election or reelection as a director (a) the name, age, business
address and residence address of such person, (b) the principal occupation or employment of such person, (c) the class and number
of shares of the Corporation which are beneficially owned by such person on the date of such shareholder&rsquo;s notice and (d)
any other information relating to such person that is required to be disclosed in</P>



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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">solicitations of proxies for election of directors or, is otherwise
required, in each case pursuant to Regulation 14A under the Securities Exchange Act of 1934, as amended (including, without limitation,
such person&rsquo;s written consent to being named in the proxy statement as a nominee and to serving as a director if elected);
and (ii) as to the shareholder giving the notice (a) the name and address, as they appear on the Corporation&rsquo;s books, of
such shareholder and any other shareholders known by such shareholder to be supporting such nominees and (b) the class and number
of shares of the Corporation which are beneficially owned by such shareholder on the date of such shareholder&rsquo;s notice and
by any other shareholders known by such shareholder to be supporting such nominees on the date of such shareholder&rsquo;s notice.
No person shall be eligible for election as a director of the Corporation unless nominated in accordance with the procedures set
forth in this Section 3.6. The Chairman of the meeting shall, if the facts warrant, determine and declare to the meeting that a
nomination was not made in accordance with the procedures prescribed by these Bylaws, and if the Chairman should so determine,
the Chairman shall so declare to the meeting and the defective nomination shall be disregarded.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>3.7 <U>Vacancies; Removal from Office.</U></B> Except
as otherwise provided by law or by the Charter, newly created directorships resulting from any increase in the authorized number
of directors or any vacancies on the Board of Directors resulting from death, resignation, retirement, disqualification or any
other cause (except removal from office) shall be filled only by the Board of Directors, provided that a quorum is then in office
and present, or only by a majority of the directors then in office, if less than a quorum is then in office or by the sole remaining
director. Any vacancies on the Board of Directors resulting from removal from office may be filled by the affirmative vote of the
holders of at least a majority of the voting power of all outstanding voting stock or, if the shareholders do not so fill such
a vacancy, by a majority of the directors then in office. Directors elected to fill a newly created directorship or other vacancy
shall hold office for a term expiring at the next shareholders&rsquo; meeting at which directors are elected and until such director&rsquo;s
successor has been duly elected and qualified. A director of the Corporation may be removed by the shareholders only for cause
by the affirmative vote of the holders of at least a majority of the voting power of all outstanding voting stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>3.8 <U>Place of Meetings.</U></B> The directors may
hold meetings of the Board of Directors or of a committee thereof at the principal office of the Corporation in Memphis, Tennessee,
or at such other place or places, either in the State of Tennessee or elsewhere, as the Board of Directors or the members of the
committee, as applicable, may from time to time determine by resolution or by written consent or as may be specified in the notice
of the meeting.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>3.9 <U>Quorum.</U></B> A majority of the directors
shall constitute a quorum for the transaction of business, but a smaller number may adjourn from time to time, without further
notice, if the time and place to which the meeting is adjourned are fixed at the meeting at which the adjournment is taken and
if the period of adjournment does not exceed thirty (30) days in any one (1) adjournment. The vote of a majority of the directors
present at a meeting at which a quorum is present shall be the act of the Board of Directors, unless the vote of a greater number
is required by law, the Charter, or these Bylaws.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>3.10 <U>Regular Meetings.</U></B> Following each annual
meeting of shareholders, the newly elected directors, together with the incumbent directors whose terms do not expire at such meeting,
shall meet for the purpose of organization, the appointment of officers and the transaction of other business, and, if a majority
of the directors be present at such place, day and hour, no prior notice of such meeting shall be required to be given to the directors.
The place, day and hour of such meeting may also be fixed by resolution or by written consent of the directors. In addition, the
Board of Directors may approve an annual schedule for additional regular meetings of the Board of Directors and of committees thereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>3.11 <U>Special Meetings.</U></B> Special meetings
of the Board of Directors may be called by the Chairman of the Board, the Chief Executive Officer, or the President, and shall
be called by the Chairman of the Board or Secretary on the written request of a majority of directors then in office. Special meetings
of any committee of the Board of Directors may be called by the person or persons specified in the resolution of the Board of Directors
establishing the committee or, for any standing committee, by its chairperson. Advance notice of any special meeting shall be given
to each director or committee member, as appropriate, as provided in the next sentence. Each special meeting shall be called: on
two days&rsquo; notice by mail or other physical delivery service; on one day&rsquo;s notice by telegram, cablegram, telex, or
other similar service; or on two hours&rsquo; notice given personally or by telephone, by facsimile transmission, or by any electronic
transmission method. The notice shall state the day and hour of the meeting and the place where the meeting is to be held. Special
meetings of the directors may be held at any time on</P>



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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">written waiver of notice or by consent of all the directors,
either of which may be given before, at the time of, or after the meeting. Each director is deemed to agree and consent to receive
a notice of any meeting in electronic form delivered by electronic transmission, provided however that a director may deliver to
the Secretary and the Chairman of the Board an explicit objection to such form or delivery method, in which case notice will be
given to that director in another form or by another method, as applicable. Any such objection shall apply only to the meeting
to which it relates unless it explicitly provides for ongoing effect; no such ongoing objection shall continue in effect after
the director&rsquo;s then-current term ends.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>3.12 <U>Action without a Meeting.</U></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(a) In lieu of a meeting of the Board
of Directors or of a committee thereof, directors may take any action which they are required or permitted to take, without a meeting,
by written consent setting forth the action so taken. Such written consent, singly or in counterparts, shall be signed by each
of the directors entitled to vote thereon and shall be delivered to an Authorized Recipient. The following persons are Authorized
Recipients of written consents: the Corporation&rsquo;s Secretary, any Assistant Secretary, or any other person authorized by the
Board of Directors, the Secretary, or an Assistant Secretary in a particular case to receive written consents. If all the directors
entitled to vote consent to taking such action without a meeting, the affirmative vote of the number of directors necessary to
authorize or take such action at a meeting is the act of the Board of Directors or committee, as appropriate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(b) Without limiting the generality of
the foregoing, any such action may be signed and delivered to the Corporation in conformity with any of, or any combination of,
the following:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt; text-align: left">(i)</TD><TD>A written consent may be signed manually or by facsimile.
For this purpose &ldquo;facsimile&rdquo; includes any image of a manual signature, whether on paper or in an electronic format.</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: -72pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt; text-align: left">(ii)</TD><TD>A written consent may be signed electronically as permitted
by law, except to the extent explicitly limited by these bylaws or by Board action. Examples of electronic signatures include:
the manual signature of the director created and placed on an electronic written consent using a stylus or otherwise; the typed
or other written name of the director appearing in an email, text message, or other electronic communication where the context
indicates the director&rsquo;s intent for the name to constitute or have the effect of a signature; and, within any electronic
system which the Secretary or any Assistant Secretary has selected to use for this purpose, marking or otherwise indicating electronically
the director&rsquo;s approval, disapproval, or other vote. Neither such communication, nor any vote record created or retained
by the system, need include the text of or a copy of the written consent which is signed electronically so long as the Authorized
Recipient can reasonably determine the relationship of the signature to the consent signed.</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: -72pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt; text-align: left">(iii)</TD><TD>A signed written consent on any physical medium may be
delivered by any physical means.</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: -72pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt; text-align: left">(iv)</TD><TD>A facsimile of a signed written consent may be delivered
by any physical means or by any electronic transmission, subject to paragraph (vi). Examples of the latter include: transmitting
to an Authorized Recipient by email a scanned image of the manually signed written consent or of a manually signed signature page
thereof; and, transmitting to an Authorized Recipient by email the electronic written consent document with the director&rsquo;s
signature, or a facsimile, electronically placed within the document.</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: -72pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt; text-align: left">(v)</TD><TD>If a written consent is signed electronically, delivery
to the Corporation may be accomplished by any electronic transmission, subject to paragraph (vi). For example, the transmission
by a director to an Authorized Recipient of an email which refers to a written consent document previously delivered to the director,
which indicates his or her vote(s) or recusal, and which includes an electronic signature would be an acceptable means of delivery.</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: -72pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt; text-align: left">(vi)</TD><TD>In the case of any delivery by electronic transmission:
(A) the recipient must be able to receive and interpret the transmission either by using the Corporation&rsquo;s equipment and
systems or by using other equipment and systems which the recipient has available and is willing to use for this</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: -72pt"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: -72pt"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">purpose; and (B) transmission may be to the recipient&rsquo;s Corporation-provided
email address or text-enabled device, or (to the extent permitted by the recipient either before or after receipt) may be to the
recipient&rsquo;s personal email address or text-enabled device. In the latter case, the recipient&rsquo;s permission may be express
or implied from his or her actions following receipt.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Courier 10cpi">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(c) A director may change or revoke his
or her vote related to an action by written consent only if the change or revocation is signed and delivered in a manner permitted
for the initial vote as provided in this section and only if the action by written consent has not yet become effective. A director
may not revoke his or her consent to take an action without a meeting. A director may instruct an Authorized Recipient to hold
the director&rsquo;s signed consent in escrow on the director&rsquo;s behalf, in which case delivery of such consent shall not
be effective until released by the director or until the occurrence of one or more events explicitly identified by the director
as conditions to his or her delivery. If an escrow has been established, the Authorized Recipient&rsquo;s good faith determination
of whether and when delivery is effected shall be conclusive.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(d) The Secretary is authorized to implement,
administer, and interpret this Section so as to promote consistency and reliability as well as convenience and efficiency. Each
Authorized Recipient is authorized to determine in each case whether and when a written consent has been fully signed and delivered
as provided in this section. The records of the Board or Committee, as applicable, may contain, in lieu of or in addition to copies
of each manual or facsimile signature, one or more certifications by the Secretary and/or other Authorized Recipient(s) to the
effect, collectively, that each director required to sign and deliver the written consent did so, specifying the date on which
the last consent to be delivered was delivered.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(e) Each director who signs or delivers
an action by written consent using any electronic form or transmission method is deemed to have agreed and consented to the use
of such form and method.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(f) If a committee established by the
Board of Directors consists of at least one director and at least one non-director officer, each reference in this section and
Section 3.13 to &ldquo;director&rdquo; shall include each such officer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>3.13 <U>Teleconference Meetings.</U></B> Directors
may participate in a meeting of the Board of Directors or of a committee thereof by, or conduct a meeting through the use of, any
means of communication by which all directors participating may simultaneously hear each other during the meeting. A director so
participating is deemed to be present in person at such meeting.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>3.14 <U>Chairman of the Board.</U></B> The Chairman
of the Board shall preside at all meetings of the shareholders and of the Board of Directors (except, with respect to meetings
of the Board of Directors, as may be otherwise determined by the Board of Directors) and shall have such powers and perform such
duties as may be provided for herein and as are normally incident to the position and as may be assigned by the Board of Directors.
If and at such times as the Board of Directors so determines, the Chairman of the Board may also serve as the Chief Executive Officer
of the Corporation.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>3.15 <U>Vice Chairmen.</U></B> Vice Chairmen shall
perform such duties and exercise such powers as may be prescribed by the Board of Directors or the Chairman of the Board.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE FOUR<BR>
<U>OFFICERS</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>4.1 <U>Designated Officers.</U></B> The officers of
the Corporation shall consist of such officers as are required by the Tennessee Business Corporation Act and such other officers,
including officers identified in Sections 4.8 through 4.21 below, as the Board of Directors determines from time to time, along
with such other officers and assistant officers as may be from time to time determined and appointed in accordance with the provisions
of this Article Four. The title of any officer may include any additional descriptive designation determined to be appropriate.
Any person may hold two or more offices, except that the President shall not also be the Secretary or an Assistant Secretary. The
officers need not be directors, and officers need not be shareholders.</P>



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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>4.2 <U>Appointment of Officers.</U></B> Except as
otherwise provided in this Section 4.2, the officers of the Corporation shall be appointed by the Board of Directors at the annual
organizational meeting of the Board of Directors following the annual meeting of shareholders. The Board of Directors hereby delegates
to the Compensation Committee of the Board of Directors: (i) the power to create corporate offices; (ii) the power to define the
authority and responsibility of such offices, except to the extent such authority or responsibility would not be consistent with
the law or the Charter; and (iii) the power to appoint persons to any office of the Corporation except the offices of the Chief
Executive Officer; President; Chief Operating Officer; Secretary; and any office the incumbent in which is designated by the Board
as an Executive Officer (as defined in Section 4.5 hereof). In addition, the Board of Directors hereby delegates (a) to the Chief
Human Resources Officer the authority to appoint persons to any office of the Corporation of the level of Vice President and below
at any time and (b) to the Chief Executive Officer the authority to appoint persons to any office of the Corporation of the level
of Executive Vice President and below at any time; provided, however, that the Board of Directors may not delegate such authority
with respect to those offices to which the Compensation Committee of the Board can not appoint persons pursuant to clause (iii)
above. Notwithstanding anything to the contrary in this Article Four of the Bylaws, the Board of Directors retains the authority
at any time to create corporate offices; to define the authority and responsibility of such offices, except to the extent such
authority or responsibility would not be consistent with the law or the Charter; to appoint all officers and such other officers
and agents as it shall deem necessary, who shall exercise such powers and perform such duties as shall be determined from time
to time by the Board of Directors; and, except with respect to the Secretary and to any office the incumbent in which is designated
by the Board as an Executive Officer (as defined in Section 4.5 hereof), to delegate all such authority to a committee of the Board
of Directors and to delegate only the authority to appoint such officers or agents to one or more officers of the Corporation.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>4.3 <U>Term.</U></B> The officers of the Corporation
shall be appointed for a term of one (1) year and until their successors are appointed and qualified, subject to the right of removal
specified in Section 4.4 of these Bylaws. The designation of a specified term does not grant to any officer any contract rights.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>4.4 <U>Vacancies, Resignations and Removal.</U></B> If
the office of any officer or officers becomes vacant for any reason, the vacancy may be filled by the Board of Directors or, if
such officer was, or could have been, appointed by a committee or another officer, by such committee or such other officer. Any
officer may resign at any time by delivering a written notice to the Chairman of the Board, the Chief Executive Officer, the President,
the Chief Operating Officer, the Secretary, or that Executive Officer who is the Chief Human Resources Officer (as defined in Section
4.15) or to whom that officer reports, or the designee of any of them, which shall be effective upon delivery unless it specifies
a later date acceptable to the Corporation. Any Executive Officer (as defined in Section 4.5 below) and the Secretary shall be
subject to removal at any time with or without cause only by the affirmative vote of a majority of the Board of Directors. Any
other officer shall be subject to removal at any time with or without cause by the affirmative vote of a majority of the Board
of Directors, and in the event the officer was, or could have been, appointed by a committee or another officer, then by such other
officer or by the affirmative vote of a majority of either such committee or the Board of Directors.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>4.5 <U>Executive Officers.</U></B> &ldquo;Executive
Officers&rdquo; shall be those officers of the Corporation expressly designated from time to time in a resolution or resolutions
of the Board of Directors as being &lsquo;executive officers&rsquo; for purposes of these Bylaws or for purposes of any rule or
regulation of the Securities and Exchange Commission under the Securities Exchange Act of 1934, as amended. The fact that an officer&rsquo;s
title contains the word &ldquo;executive&rdquo; and appears in a Board resolution shall not, by itself, constitute an executive
officer designation as provided in this Section.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>4.6 <U>Compensation.</U></B> The Board of Directors,
or a committee thereof, shall fix the compensation of Executive Officers of the Corporation. The compensation of officers who are
not Executive Officers shall be fixed by the Board of Directors, by a committee thereof, or by management under such policies and
procedures as shall be established by the Board of Directors or a committee thereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>4.7 <U>Delegation of Officer Duties.</U></B> In case of the absence of any officer of the Corporation, or for any reason that the Board of Directors (or, in addition,
in the case of any officer appointed by a committee or another officer, such committee or such officer or any other committee or
any other officer which could appoint such officer pursuant to Section 4.2 of these Bylaws) may deem sufficient, the Board of Directors
(or committee or other officer,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">as applicable) may delegate, for the time being, the powers
or duties, or any of them, of such officer to any other officer, or to any director.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>4.8 <U>Chief Executive Officer.</U></B> The Chief
Executive Officer, in the absence of the Chairman of the Board, shall preside at all meetings of the shareholders and of the Board
of Directors (except, with respect to meetings of the Board of Directors, as may be otherwise determined by the Board of Directors).
The Chief Executive Officer shall be responsible for carrying out the orders of and the resolutions and policies adopted by the
Board of Directors and shall have general management of the business of the Corporation and shall exercise general supervision
over all of its affairs. In addition, the Chief Executive Officer shall have such powers and perform such duties as may be provided
for herein and as are normally incident to the office and as may be prescribed by the Board of Directors. If and at such time as
the Board of Directors so determines, the Chief Executive Officer may also serve as the President of the Corporation.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>4.9 <U>President.</U></B> The President, in the absence
of the Chairman of the Board and the Chief Executive Officer, shall preside at all meetings of the shareholders and of the Board
of Directors (except, with respect to meetings of the Board of Directors, as may be otherwise determined by the Board of Directors).
The President shall be the Chief Executive Officer of the Corporation unless the Board of Directors has appointed another person
to such office, in which case the President shall be the Chief Operating Officer of the Corporation. The President shall have such
powers and perform such duties as may be provided for herein and as are normally incident to the office and as may be prescribed
by the Board of Directors or the Chief Executive Officer. In addition, unless the Board of Directors has appointed another person
to the office of Chief Operating Officer, the President shall also have such powers and perform such duties as may be provided
for herein with respect to the Chief Operating Officer and as are normally incident to the office of Chief Operating Officer and
as may be prescribed for the Chief Operating Officer by the Board of Directors or the Chief Executive Officer.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>4.10 <U>Chief Operating Officer.</U></B> The Chief
Operating Officer, if other than the President, shall have charge of the day-to-day operations of the Corporation and shall have
such powers and perform such duties as may be provided for herein and as are normally incident to the office and as may be prescribed
by the Board of Directors, the Chief Executive Officer, or the President.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>4.11 <U>Chief Financial Officer.</U></B> The Chief
Financial Officer shall be the principal financial officer of the Corporation. The Chief Financial Officer is authorized to sign
any document filed with the Securities and Exchange Commission or any state securities commission on behalf of the Corporation
and shall perform such duties and exercise such powers as are normally incident to the office and as may be prescribed by the Board
of Directors or the Chief Executive Officer.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>4.12 <U>Chief Credit Officer.</U></B> The Chief Credit
Officer shall perform such duties and exercise such powers as are normally incident to the office and as may be prescribed by the
Board of Directors or the Chief Executive Officer.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>4.13 <U>General Counsel.</U></B> The General Counsel
is authorized to sign any document filed with the Securities and Exchange Commission or any state securities commission on behalf
of the Corporation and shall perform such duties and exercise such powers as are normally incident to the office and as may be
prescribed by the Board of Directors or the Chief Executive Officer.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>4.14 <U>Chief Risk Officer.</U></B> The officer in
charge of overall risk management, whatever his or her title (&ldquo;Chief Risk Officer&rdquo;), shall perform such duties and
exercise such powers as are normally incident to the office and as may be prescribed by the Board of Directors or the Chief Executive
Officer.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>4.15 <U>Chief Human Resources Officer.</U></B> The
officer in charge of human resources, whatever his or her title (&ldquo;Chief Human Resources Officer&rdquo;), shall perform such
duties and exercise such powers as are normally incident to the office and as may be prescribed by the Board of Directors or the
Chief Executive Officer.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>4.16 <U>Business Segment Presidents and Business Segment
Chief Operating Officers.</U></B> Each officer of the Corporation who is designated as or has the functions of a president or a
chief operating officer of a substantial business line, division, segment, or group (as applicable, a &ldquo;Business Segment President&rdquo;
or &ldquo;Business</P>



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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Segment Chief Operating Officer&rdquo;) shall perform such duties
and exercise such powers as are normally incident to his or her office and as may be prescribed by the Board of Directors, the
Chief Executive Officer, the President, or the Chief Operating Officer. Two or more persons may share the duties and authorities
of a Business Segment President or Business Segment Chief Operating Officer as determined by the Board of Directors, the Chief
Executive Officer, the President, or the Chief Operating Officer. For this purpose, a business line, division, segment, or group
is substantial if <FONT STYLE="font-weight: normal">the officer who is designated as or has the functions of</FONT> its president
or chief operating officer is an Executive Officer or if it is expressly identified as a &ldquo;segment&rdquo; or &ldquo;business
segment&rdquo; of the Corporation for financial accounting purposes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>4.17 <U>Senior Executive Vice Presidents, Executive
Vice Presidents, Senior Vice Presidents, and Vice Presidents.</U></B> Each Senior Executive Vice President, Executive Vice
President, Senior Vice President, and Vice President shall perform such duties and exercise such powers as are normally incident
to his or her office and as may be prescribed by the Board of Directors, a committee thereof, the Chief Executive Officer, the
President, the Chief Operating Officer or, with respect to Vice Presidents only, the Chief Human Resources Officer.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>4.18 <U>Secretary.</U></B> The Secretary is authorized
to sign any document filed with the Securities and Exchange Commission or any state securities commission on behalf of the Corporation.
The Secretary shall attend all sessions of the Board of Directors and of the shareholders and record all votes and the minutes
of all proceedings in books to be kept for that purpose. The Secretary shall give or cause to be given notice of all meetings of
the shareholders and of the Board of Directors, shall authenticate records of the Corporation, and shall perform such other duties
as are incident to the office or as may be prescribed by the Board of Directors or the Chief Executive Officer. In the absence
or disability of the Secretary, the Assistant Secretary or such other officer or officers as may be authorized by the Board of
Directors or Executive &amp; Risk Committee thereof shall perform all the duties and exercise all of the powers of the Secretary
and shall perform such other duties as the Board of Directors or the Chief Executive Officer shall prescribe. In addition, from
time to time officers holding the office of Limited Assistant Secretary may be appointed with such officer&rsquo;s power limited
to the power to attest the signature of another officer. Such Limited Assistant Secretary will have no other power as an officer.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B> 4.19 <U>Treasurer.</U></B> The Treasurer shall have
the custody of the funds and securities of the Corporation and shall keep full and accurate accounts of receipts and disbursements
in books belonging to the Corporation and shall deposit all monies and other valuable effects in the name and to the credit of
the Corporation in such depositories as may be designated by the Board of Directors. The Treasurer shall disburse the funds of
the Corporation as may be ordered by the Board of Directors, the Chief Executive Officer, the Chief Financial Officer, the President,
or the Chief Operating Officer, taking proper vouchers for such disbursements, and shall render to the Board of Directors, the
Chief Executive Officer, the Chief Financial Officer, the President, or the Chief Operating Officer, whenever they may require
it, an account of all of his or her transactions as Treasurer and of the financial condition of the Corporation, and at a regular
meeting of the Board of Directors preceding the annual shareholders&rsquo; meeting, a like report for the preceding year. The Treasurer
shall keep or cause to be kept an account of stock registered and transferred in such manner and subject to such regulations as
the Board of Directors may prescribe. The Treasurer shall give the Corporation a bond, if required by the Board of Directors, in
such a sum and in form and with security satisfactory to the Board of Directors for the faithful performance of the duties of the
office and the restoration to the Corporation, in case of his or her death, resignation or removal from office, of all books, papers,
vouchers, money and other property of whatever kind in his or her possession, belonging to the Corporation. The Treasurer shall
perform such other duties as the Board of Directors, the Chief Executive Officer, the Chief Financial Officer, the President, or
the Chief Operating Officer may from time to time prescribe or require. In the absence or disability of the Treasurer, the Assistant
Treasurer shall perform all the duties and exercise all of the powers of the Treasurer and shall perform such other duties as the
Board of Directors, the Chief Executive Officer, the Chief Financial Officer, the President, or the Chief Operating Officer shall
prescribe.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>4.20 <U>Auditor.</U></B> The officer in charge of
the internal audit function, whatever his or her title (&ldquo;Auditor&rdquo;), shall perform such duties and exercise such powers
as are normally incident to the office and as may be prescribed by the Board of Directors or the Audit Committee.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>4.21 <U>Chief Accounting Officer</U>. </B>The Chief
Accounting Officer shall be the principal accounting officer of the Corporation. The Chief Accounting Officer is authorized to
sign any document filed with the Securities and Exchange Commission or any state securities commission on behalf of the Corporation
and shall</P>



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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">assist the management of the Corporation in setting the financial
goals and policies of the Corporation, shall provide financial and statistical information to the shareholders and to the management
of the Corporation and shall perform such other duties and exercise such other powers as may be prescribed by the Board of Directors,
the Chief Executive Officer, the Chief Financial Officer, the President or the Chief Operating Officer.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>4.22 <U>Other Officers.</U></B> Officers holding such
other offices as may be created pursuant to Sections 4.1 and 4.2 of these Bylaws shall have such authority and perform such duties
and exercise such powers as may be prescribed by the Board of Directors, a committee thereof, the Chief Executive Officer, the
President, the Chief Operating Officer or, with respect to officers of the level of Vice President and below, the Chief Human Resources
Officer.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>4.23 <U>Officer Committees.</U></B> The Board of Directors,
by resolution adopted by a majority of the entire Board of Directors, may designate one or more committees consisting of two or
more officers or consisting of at least one director and at least one officer. The Board of Directors may delegate to such committee
or committees all such authority that the Board of Directors deems desirable that is permitted by law. Members of such committees
may take action without a meeting and may participate in meetings to the same extent and in the same manner that directors may
take action and may participate pursuant to Sections 3.12 and 3.13 of these Bylaws.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE FIVE<BR>
<U>SHARES OF STOCK</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>5.1 <U>Certificates.</U></B> The certificates representing
shares of stock of the Corporation shall be numbered, shall be entered in the books or records of the Corporation as they are issued,
and shall be signed by the Chief Executive Officer and any one of the following: the President, the Treasurer, or the Secretary.
Either or both of the signatures upon a certificate may be facsimiles if the certificate is countersigned by a transfer agent,
or registered by a registrar other than an officer or employee of the Corporation. Each certificate shall include the following
upon the face thereof:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">(a)</TD><TD>A statement that the Corporation is organized under the laws of the State of Tennessee;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">(b)</TD><TD>The name of the Corporation;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">(c)</TD><TD>The name of the person to whom issued;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">(d)</TD><TD>The number and class of shares, and the designation of the series, if any, which such certificate represents;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">(e)</TD><TD>The par value of each share represented by such certificate; or a statement that the shares are without par value; and</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">(f)</TD><TD>Such other provisions as the Board of Directors may from time to time require.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>5.2 <U>Shares Not Represented by Certificates.</U></B> Notwithstanding
the provisions of Section 5.1 of these Bylaws, shares of any class of stock of the Corporation may be issued without certificates.
The Corporation shall send to each shareholder to whom uncertificated shares have been issued or transferred at the appropriate
time any written statement providing information about such shares, which is required by law.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>5.3 <U>Stock Transfers and Record Dates.</U></B> Transfers
of shares of stock shall be made upon the books of the Corporation by the record owner or by an attorney, lawfully constituted
in writing, and upon surrender of any certificate therefor. The Board of Directors may appoint suitable agents in Memphis, Tennessee,
and elsewhere to facilitate transfers by shareholders under such regulations as the Board of Directors may from time to time prescribe.
The transfer books may be closed by the Board of Directors for such period, not to exceed 40 days, as may be deemed advisable for
dividend or other purposes, or in lieu of closing the books, the Board of Directors may fix in advance a date as the record date
for determining shareholders entitled notice of and to vote at a meeting of shareholders, or entitled to payment of any dividend
or other distribution. The record date for voting or taking other action as shareholders shall not be less than 10 days nor more
than 70 days prior to the meeting date or action</P>



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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">requiring such determination of shareholders. The record date
for dividends and other distributions shall not be less than 10 days prior to the payment date of the dividend or other distribution.
All certificates surrendered to the Corporation for transfer shall be canceled, and no new certificate shall be issued until the
former certificate for like number of shares shall have been surrendered and canceled, except that in case of a lost or destroyed
certificate a new one may be issued on the terms prescribed by Section 5.5 of these Bylaws.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>5.4 <U>Record Owners.</U></B> The Corporation shall
be entitled to treat the holder of record of any share or shares of stock as the holder in fact thereof; and, accordingly, shall
not be bound to recognize any equitable or other claim to or interest in such share on the part of any other person, whether or
not it shall have express or other notice thereof, except as required by applicable law.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>5.5 <U>Lost, Destroyed, Stolen or Mutilated Certificates.</U></B> The agent for transfer of the Corporation&rsquo;s stock may issue new share certificates in place of certificates represented
to have been lost, destroyed, stolen or mutilated upon receiving an indemnity satisfactory to the agent and the Secretary or Treasurer
of the Corporation, without further action of the Board of Directors.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE SIX<BR>
<U>INDEMNIFICATION</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>6.1 <U>Indemnification of Officers When Wholly Successful.</U></B> If any current or former officer of the Corporation [including for purposes of this Article an individual who, while an
officer, is or was serving another corporation or other enterprise (including an employee benefit plan and a political action committee,
which serves the interests of the employees of the Corporation or any of its subsidiaries) in any capacity at the request of the
Corporation and unless the context requires otherwise the estate or personal representative of such officer] is wholly successful,
on the merits or otherwise, in the defense of any threatened, pending or completed action, suit, or proceeding, whether civil,
criminal, administrative, or investigative and whether formal or informal (&ldquo;Proceeding&rdquo;), to which the officer was
a party because he or she is or was an officer of the Corporation, the officer shall be indemnified by the Corporation against
all reasonable expenses, including attorney fees, incurred in connection with such Proceeding, or any appeal therein. As used in
this Article, &ldquo;Proceeding&rdquo; shall include, but is not limited to, any threatened, pending or contemplated action, suit
or proceeding, whether civil, criminal, administrative, or investigative, and whether formal or informal, arising out of or alleging
any acts, errors, or omissions by the officer in the rendering or failure to render professional services, including legal and
accounting services, for or at the request of the Corporation or any of its subsidiaries; provided such professional services are
within the reasonably anticipated scope of the officer&rsquo;s duties. Additionally, as used in this Article, &ldquo;Proceeding&rdquo;
shall include, but is not limited to, any threatened, pending or contemplated action, suit or proceeding arising out of or alleging
negligence on the part of the Officer.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>6.2 <U>Indemnification of Officers When Not Wholly
Successful.</U></B> If any current or former officer of the Corporation has not been wholly successful on the merits or otherwise,
in the defense of a Proceeding, to which the officer was or was threatened to be made a party because he or she was or is an officer,
the officer shall be indemnified by the Corporation against any judgment, settlement, penalty, fine (including any excise tax assessed
with respect to an employee benefit plan), or other liability and any reasonable expenses, including attorney fees, incurred as
a result of such Proceeding, or any appeal therein, if authorized in the specific case after a determination has been made that
indemnification is permissible because the following standard of conduct has been met:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt; text-align: left">(a)</TD><TD>The officer conducted himself or herself in good faith,
and</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: -72pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt; text-align: left">(b)</TD><TD>The officer reasonably believed: (i) in the case of conduct
in the officer&rsquo;s official capacity as an officer of the Corporation that the officer&rsquo;s conduct was in the Corporation&rsquo;s
best interest; and (ii) in all other cases that the officer&rsquo;s conduct was at least not opposed to its best interests; and</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: -72pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt; text-align: left">(c)</TD><TD>In the case of any criminal proceeding, the officer had
no reasonable cause to believe his or her conduct was unlawful;</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: -72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">provided, however, the Corporation may not indemnify an officer
in connection with a Proceeding by or in the right of the Corporation in which the officer was adjudged liable to the Corporation
or in connection with any other</P>



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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">proceeding charging improper benefit to the officer, whether
or not involving action in his or her official capacity, in which the officer was adjudged liable on the basis that personal benefit
was improperly received by the officer.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>6.3 <U>Procedures for Indemnification Determinations.</U></B> The determination required by Section 6.2 herein shall be made as follows:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt; text-align: left">(a)</TD><TD>By the Board of Directors by a majority vote of a quorum
consisting of directors not at the time parties to the Proceeding;</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: -72pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt; text-align: left">(b)</TD><TD>If a quorum cannot be obtained, by majority vote of a committee
duly designated by the Board of Directors (in which designation directors who are parties may participate) consisting solely of
two or more directors not at the time parties to the Proceeding;</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: -72pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt; text-align: left">(c)</TD><TD>By independent special legal counsel: (i) selected by the
Board of Directors or its committee in the manner prescribed in subsection (a) or (b); or (ii) if a quorum of the Board of Directors
cannot be obtained under subsection (a) and a committee cannot be designated under subsection (b), selected by majority vote of
the full Board of Directors (in which selection directors who are parties may participate); or, if a determination pursuant to
subsections (a), (b), or (c) of this Section 6.3 cannot be obtained, then</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: -72pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt; text-align: left">(d)</TD><TD>By the shareholders, but shares owned by or voted under
the control of directors who are at the time parties to the Proceeding may not be voted on the determination.</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: -72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>6.4 <U>Serving at the Request of the Corporation.</U></B> An officer of the Corporation shall be deemed to be serving another corporation or other enterprise or employee benefit
plan or political action committee at the request of the Corporation only if such request is reflected in the records of the Board
of Directors or a committee appointed by the Board of Directors for the purpose of making such requests. Approval by the Board
of Directors, or a committee thereof, may occur before or after commencement of such service by the officer.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>6.5 <U>Advancement of Expenses.</U></B> The Corporation
shall pay for or reimburse reasonable expenses, including attorney fees, incurred by an officer who is a party to a Proceeding
in advance of the final disposition of the Proceeding if:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt; text-align: left">(a)</TD><TD>The officer furnishes to the Corporation a written affirmation
of the officer&rsquo;s good faith belief that the officer has met the standard of conduct described in Section 6.2 herein;</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: -72pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt; text-align: left">(b)</TD><TD>The officer furnishes to the Corporation a written undertaking,
executed personally or on behalf of the officer, to repay the advance if it is ultimately determined that the officer is not entitled
to indemnification; and</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: -72pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt; text-align: left">(c)</TD><TD>A determination is made that the facts then known to those
making the determination would not preclude indemnification under this bylaw.</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: -72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B> 6.6 <U>Undertaking Required for Expenses.</U></B> The
undertaking required by Section 6.5 herein must be an unlimited general obligation of the officer but need not be secured and may
be accepted without reference to financial ability to make repayment.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>6.7 <U>Procedures for Expense Determinations.</U></B> Determinations
and authorizations of payments under Section 6.5 herein shall be made in the same manner as is specified in Section 6.3 herein.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B> 6.8 <U>Indemnification of Employees and Former Directors.</U></B> Every employee and every former director of the Corporation shall be indemnified by the Corporation to the same extent
as officers of the Corporation.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>6.9 <U>Nonexclusivity of Right of Indemnification.</U></B> The right of indemnification set forth above shall not be deemed exclusive of any other rights, including, but not limited
to, rights created pursuant to Section 6.11 of these Bylaws, to which an officer, employee, or former director seeking indemnification
may be entitled. No</P>



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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">combination of rights shall permit any officer, employee or
former director of the Corporation to receive a double or greater recovery.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>6.10 <U>Mandatory Indemnification of Directors and
Designated Officers.</U></B> The Corporation shall indemnify each of its directors and such of the non-director officers of the
Corporation or any of its subsidiaries as the Board of Directors may designate, and shall advance expenses, including attorney&rsquo;s
fees, to each director and such designated officers, to the maximum extent permitted (or not prohibited) by law, and in accordance
with the foregoing, the Board of Directors is expressly authorized to enter into individual indemnity agreements on behalf of the
Corporation with each director and such designated officers which provide for such indemnification and expense advancement and
to adopt resolutions which provide for such indemnification and expense advancement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>6.11 <U>Insurance.</U></B> Notwithstanding anything
in this Article Six to the contrary, the Corporation shall have the additional power to purchase and maintain insurance on behalf
of any person who is or was a director, officer, employee, or agent of the Corporation, or who, while a director, officer, employee
or agent of the Corporation, is or was serving at the request of the Corporation as a director, officer, partner, trustee, employee,
or agent of another foreign or domestic corporation, partnership, joint venture, trust, employee benefit plan, political action
committee, or other enterprise, against liability asserted against or incurred by the person in that capacity or arising from the
person&rsquo;s status as a director, officer, employee, or agent, whether or not the Corporation would have the power to indemnify
the person against the same liability.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE SEVEN<BR>
<U>RETIREMENT</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>7.1 <U>Non-Employee Directors.</U></B> Directors who
are not also officers of the Corporation or its affiliates shall be retired from the Board of Directors as follows:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt; text-align: left">(a)</TD><TD>Any director who shall attain the age of seventy (70) on
or before the last day of the term for which he or she was elected shall not be nominated for re-election and shall be retired
from the Board of Directors at the expiration of such term; provided, however, that any director first elected to the Board after
the director has attained the age of sixty-five (65) may serve until the end of the term for which he or she was elected and during
which he or she attains the age of seventy-two (72).</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: -72pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt; text-align: left">(b)</TD><TD>For the purpose of maintaining a board of active business
and professional persons, directors leaving the principal position (other than by a promotion) held at their last election (by
retirement or otherwise) will be expected to tender their resignation for consideration by the Board of Directors within three
months following the Board&rsquo;s next regularly scheduled meeting. A resignation will be accepted unless the Board in its judgment
determines that (i) the director has assumed another position in which he or she is actively engaged in directing, managing or
providing professional services through or to a public, private, non-profit or educational organization or is maintaining sufficient
involvement in other activities that would be important to ensure effective service as a Board member, including consideration
of the sufficiency of financial, technological, operational, civic, corporate governance-related, governmental or educational
activities and/or service as a director of one or more other public companies, (ii) the director is so engaged in a specific project
for the Board as to make his or her resignation detrimental to the Corporation, or (iii) it is beneficial to the Board and in
the best interests of the Corporation for the director to continue for such period of time as the Board deems appropriate, or
to continue subject to the satisfaction of one or more conditions established by the Board.</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: -72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Except for the incumbent Chairman of the Board on April 20,
2009, who shall be treated as a non-employee director for purposes of these Bylaws, and except as may be otherwise determined by
the Board of Directors, directors who are also officers of the Corporation or any of its affiliates will be retired from the Board
of Directors on the date of the annual meeting coincident with or next following the date of the director&rsquo;s retirement from
or other discontinuation of active service with the Corporation and its affiliates.</P>



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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>7.2 <U>Officers and Employees.</U></B> Except as provided
in the following sentence, the Corporation has no compulsory retirement age for its officers or employees. Each officer or employee
who has attained 65 years of age and who, for the two-year period immediately before attaining such age, has been employed in a
&ldquo;bona fide executive&rdquo; or a &ldquo;high policy-making&rdquo; position as those terms are used and defined in the Age
Discrimination in Employment Act, Section 12(c), and the regulations relating to that section prescribed by the Equal Employment
Opportunity Commission, all as amended from time to time (collectively, the &ldquo;ADEA&rdquo;), shall automatically be terminated
by way of compulsory retirement and his or her salary discontinued on the first day of the month coincident with or immediately
following the 65th birthday, provided such employee is entitled to an immediate nonforfeitable annual retirement benefit, as specified
in the ADEA, in the aggregate amount of at least $44,000. Notwithstanding the prior sentence, the Board of Directors, in its discretion,
may continue any such officer or employee in service and designate the capacity in which he or she shall serve, and shall fix the
remuneration he or she shall receive. The Board of Directors may also re-employ any former officer who had theretofore been retired.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE EIGHT<BR>
<U>EXECUTION OF DOCUMENTS</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>8.1 <U>Definition of &ldquo;Document.&rdquo;</U></B> For
purposes of this Article Eight of the Bylaws, the term &ldquo;document&rdquo; shall mean a document of any type, including, but
not limited to, an agreement, contract, instrument, power of attorney, endorsement, assignment, transfer, stock or bond power,
deed, mortgage, deed of trust, lease, indenture, conveyance, proxy, waiver, consent, certificate, declaration, receipt, discharge,
release, satisfaction, settlement, schedule, account, affidavit, security, bill, acceptance, bond, undertaking, check, note or
other evidence of indebtedness, draft, guaranty, letter of credit, and order.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>8.2 <U>Execution of Documents.</U></B> Except as expressly
provided in Section 4.18 of these Bylaws (with respect to the Limited Assistant Secretary) and Section 5.1 of these Bylaws (with
respect to signatures on certificates representing shares of stock of the Corporation), the Chief Executive Officer, the President,
the Chief Operating Officer, any Business Segment President, any Business Segment Chief Operating Officer, any Senior Executive
Vice President, any Executive Vice President, any Senior Vice President, any Vice President, the Chief Financial Officer, the Chief
Credit Officer, the General Counsel, the Chief Risk Officer, the Chief Human Resources Officer, the Chief Accounting Officer, the
Treasurer, the Secretary, and any other officer, or any of them acting individually, may (i) execute and deliver in the name and
on behalf of the Corporation or in the name and on behalf of any division or department of the Corporation any document pertaining
to the business, affairs, or property of the Corporation or any division or department of the Corporation, and (ii) delegate to
any other officer, employee or agent of the Corporation the power to execute and deliver any such document.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>8.3 <U>Method of Execution by Secretary and Other
Officers.</U></B> Unless otherwise required by law, the signature of the Secretary on any document may be a facsimile, and the
signature of any other officer approved by the Chief Executive Officer or Secretary, before or after the fact, to use a facsimile
signature on any document may be a facsimile. The Secretary shall maintain a list of all officers approved to use a facsimile signature.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE NINE</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>EMERGENCY BYLAWS</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>9.1</B> <B><U>Definition of &ldquo;Emergency.&rdquo;</U></B> The provisions of this Article Nine shall be effective only during an &ldquo;emergency.&rdquo; An &ldquo;emergency&rdquo; shall
be deemed to exist whenever any two of the officers identified in Section 9.2 of these Bylaws in good faith determine that a quorum
of the directors cannot readily be assembled because of a catastrophic event.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>9.2 <U>Notice of Meeting.</U></B> A meeting of the
Board of Directors may be called by any one director or by any one of the following officers: Chief Executive Officer, President,
the Chief Operating Officer, any Business Segment President, any Business Segment Chief Operating Officer, any Senior Executive
Vice President, any Executive Vice President, Chief Credit Officer, Chief Financial Officer, Chief Accounting Officer, General
Counsel, Chief Risk Officer, Chief Human Resources Officer, Secretary, or any Executive Officer. Notice of such meeting need be
given only to those directors whom it is practical to reach by any means the person calling the meeting deems feasible, including,
but not limited to, by publication and radio. Such notice shall be given at least two hours prior to commencement of the meeting.</P>



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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>9.3 <U>Quorum and Substitute Directors.</U></B> If
a quorum has not been obtained, then one or more officers of the Corporation or the Bank present at the emergency meeting of the
Board of Directors, as are necessary to achieve a quorum, shall be considered to be substitute directors for purposes of the meeting,
and shall serve in order of rank, and within the same rank in order of seniority determined by hire date by the Corporation, the
Bank or any of their subsidiaries. In the event that less than a quorum of the directors (including any officers who serve as substitute
directors for the meeting) are present, those directors present (including such officers serving as substitute directors) shall
constitute a quorum.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>9.4 <U>Action at Meeting.</U></B> The Board as constituted
pursuant to Section 9.3 and after notice has been provided pursuant to Section 9.2 may take any of the following actions: (i) prescribe
emergency powers of the Corporation, (ii) delegate to any officer or director any of the powers of the Board of Directors, (iii)
designate lines of succession of officers and agents in the event that any of them are unable to discharge their duties, (iv) relocate
the principal office or designate alternative or multiple principal offices, and (v) take any other action that is convenient,
helpful, or necessary to carry on the business of the Corporation.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>9.5 <U>Effectiveness of Non-emergency Bylaws.</U></B> All
provisions of these Bylaws not contained in this Article Nine, which are consistent with the emergency bylaws contained in Article
Nine, shall remain effective during the emergency.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>9.6 <U>Termination of Emergency.</U></B> Any emergency
causing this Article Nine to become operative shall be deemed to be terminated whenever either of the following conditions is met:
(i) the directors and any substitute directors determine by a majority vote at a meeting that the emergency is over or (ii) a majority
of the directors elected pursuant to the provisions of these Bylaws other than this Article Nine hold a meeting and determine that
the emergency is over.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>9.7 <U>Action Taken in Good Faith.</U></B> Any corporate
action taken in good faith in accordance with the provisions of this Article Nine binds the Corporation and may not be used to
impose liability on any director, substitute director, officer, employee or agent of the Corporation.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE TEN<BR>
<U>MISCELLANEOUS PROVISIONS</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>10.1 <U>Fiscal Year.</U></B> The Board of Directors
of the Corporation shall have authority from time to time to determine whether the Corporation shall operate upon a calendar year
basis or upon a fiscal year basis, and if the latter, said Board of Directors shall have power to determine when the said fiscal
year shall begin and end.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>10.2 <U>Dividends.</U></B> Dividends on the capital
stock of the Corporation may be declared by the Board of Directors at any regular or special meeting pursuant to law. Before payment
of any dividend, there may be set aside out of any funds of the Corporation available for dividends such sum or sums as the directors
from time to time, in their absolute discretion, think proper as a reserve fund to meet contingencies, or for equalizing dividends
or for repairing or maintaining any property of the Corporation, or for such other purposes as the directors shall think conducive
to the interest of the Corporation.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>10.3 <U>Seal.</U></B> This Corporation shall have
a Corporate Seal which shall consist of an imprint of the name of the Corporation, the state of its incorporation, the year of
incorporation and the words &ldquo;Corporate Seal.&rdquo; The Corporate Seal shall not be required to establish the validity or
authenticity of any document executed in the name and on behalf of the Corporation.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>10.4 <U>Notices.</U></B> Whenever notice is required
to be given to any director, officer or shareholder under any of the provisions of the law, the Charter, or these Bylaws (except
for notice required by Sections 2.8 and 3.6 of these Bylaws), it shall not be construed to require personal notice, but such notice
may be given in writing by depositing the same in the United States mail, postage prepaid, or by telegram, teletype, facsimile
transmission or other form of wire, wireless, or other electronic communication or by private carrier addressed to such shareholder
at such address as appears on the Corporation&rsquo;s current record of shareholders, and addressed to such director or officer
at such address as appears on the records of the Corporation. If mailed as provided above, notice to a shareholder shall be</P>



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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">deemed to be effective at the time when it is deposited in the
mail. Notice need not be given in the same manner to all shareholders, directors, officers, or other persons. A shareholder&rsquo;s,
a director&rsquo;s, an officer&rsquo;s, or another person&rsquo;s address may be a physical location, a mailing address, or an
electronic address.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>10.5 <U>Bylaw Amendments.</U></B> The Board of Directors
shall have power to make, amend and repeal the Bylaws or any Bylaw of the Corporation by vote of not less than a majority of the
directors then in office, at any regular or special meeting of the Board of Directors. The shareholders may make, amend and repeal
the Bylaws or any Bylaw of this Corporation at any annual meeting or at a special meeting called for that purpose only by the affirmative
vote of the holders of at least eighty percent (80%) of the voting power of all outstanding voting stock, and all Bylaws made by
the directors may be amended or repealed by the shareholders only by the vote of the holders of at least eighty percent (80%) of
the voting power of all outstanding voting stock. Without further authorization, at any time the Bylaws are amended, the Secretary
is authorized to restate the Bylaws to reflect such amendment, and the Bylaws, as so restated, shall be the Bylaws of the Corporation.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>10.6 <U>Authority to Vote Shares.</U></B> The Chief
Executive Officer, the President, the Chief Operating Officer, any Business Segment President or Business Segment Chief Operating
Officer who is an Executive Officer, or the designee or designees of them or any of them, are authorized, jointly or severally,
to vote all shares (or other indicia of ownership) beneficially owned by the Corporation for any purposes and to take any action
on behalf of the Corporation that is required to be taken by the Corporation as a shareholder or other beneficial owner of any
entity whose shares (or other indicia of ownership) are beneficially owned by the Corporation, which they, or any of them, deem
appropriate at meetings, annual or special, or without a meeting.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>10.7 <U>Forms of Writing and Execution; Methods of
Delivery.</U></B> Unless otherwise expressly provided by law, in the Charter, or in these Bylaws: the terms &ldquo;writing&rdquo;
and &ldquo;written&rdquo; include any paper or electronic document or record; the terms &ldquo;sign,&rdquo; &ldquo;signature,&rdquo;
and &ldquo;execute&rdquo; include any manual, facsimile, or electronic signature or signature process; and, the terms &ldquo;deliver,&rdquo;
&ldquo;delivery,&rdquo; and &ldquo;send&rdquo; include any physical or electronic method of transmittal.</P>



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