<SEC-DOCUMENT>0000930413-17-001998.txt : 20170504
<SEC-HEADER>0000930413-17-001998.hdr.sgml : 20170504
<ACCEPTANCE-DATETIME>20170504171118
ACCESSION NUMBER:		0000930413-17-001998
CONFORMED SUBMISSION TYPE:	DEFA14A
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20170504
DATE AS OF CHANGE:		20170504
EFFECTIVENESS DATE:		20170504

FILER:

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

	FILING VALUES:
		FORM TYPE:		DEFA14A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-15185
		FILM NUMBER:		17815079

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

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

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

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FIRST TENNESSEE BANKS INC
		DATE OF NAME CHANGE:	19600201
</SEC-HEADER>
<DOCUMENT>
<TYPE>DEFA14A
<SEQUENCE>1
<FILENAME>c88335_defa14a.htm
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
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<!-- Field: Rule-Page --><DIV ALIGN="LEFT" STYLE="margin: 0 0 0pt"><DIV STYLE="font-size: 1pt; border-top: Black 2px solid; border-bottom: Black 1px solid; width: 100%">&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: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>UNITED
STATES<BR>
SECURITIES AND EXCHANGE COMMISSION<BR>
Washington, D.C. 20549</B></P>

<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>SCHEDULE 14A</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>Proxy Statement Pursuant to Section 14(a)
of the<BR>
Securities Exchange Act of 1934</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>(Amendment No.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;)</B></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: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<tr style="vertical-align: top">
    <td colspan="3">Filed by the Registrant <FONT STYLE="font-family: Wingdings">x</FONT></td></tr>
<tr style="vertical-align: top">
    <td colspan="3">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <td colspan="3">Filed by a Party other than the Registrant <FONT STYLE="font-family: Wingdings">o</FONT></td></tr>
<tr style="vertical-align: top">
    <td colspan="3">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <td colspan="3">Check the appropriate box:</td></tr>
<tr style="vertical-align: top">
    <td colspan="3">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <td style="width: 2%"><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <td style="width: 2%">&nbsp;</td>
    <td style="width: 96%">Preliminary Proxy Statement</td></tr>
<tr style="vertical-align: top">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td></tr>
<tr style="vertical-align: top">
    <td><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <td>&nbsp;</td>
    <td><B>Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2))</B></td></tr>
<tr style="vertical-align: top">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td></tr>
<tr style="vertical-align: top">
    <td><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <td>&nbsp;</td>
    <td>Definitive Proxy Statement</td></tr>
<tr style="vertical-align: top">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td></tr>
<tr style="vertical-align: top">
    <td><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <td>&nbsp;</td>
    <td>Definitive Additional Materials</td></tr>
<tr style="vertical-align: top">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td></tr>
<tr style="vertical-align: top">
    <td><FONT STYLE="font-family: Wingdings">x</FONT></td>
    <td>&nbsp;</td>
    <td>Soliciting Material under &sect;240.14a-12</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: 22pt 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"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; border-top: Black 1px solid; padding-top: 3pt"><B>(Name of Registrant as Specified In Its
Charter)</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; border-bottom: Black 1px solid">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; padding-top: 3pt"><B>(Name of Person(s) Filing Proxy Statement,
if other than the Registrant)</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&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 COLSPAN="5">Payment of Filing Fee (Check the appropriate box):</td></tr>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="5">&nbsp;</td></tr>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Wingdings">x</FONT></td>
    <TD>&nbsp;</td>
    <TD COLSPAN="3">No fee required.</td></tr>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</td>
    <TD>&nbsp;</td>
    <TD COLSPAN="3">&nbsp;</td></tr>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <TD>&nbsp;</td>
    <TD COLSPAN="3">Fee computed on table below per Exchange Act Rules 14a-6(i)(1) and 0-11.</td></tr>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 2%">&nbsp;</td>
    <TD STYLE="width: 2%">&nbsp;</td>
    <TD STYLE="width: 2%">(1)</td>
    <TD STYLE="width: 2%">&nbsp;</td>
    <TD STYLE="width: 92%">Title of each class of securities to which transaction applies:</td></tr>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</td>
    <TD>&nbsp;</td>
    <TD>(2)</td>
    <TD>&nbsp;</td>
    <TD>Aggregate number of securities to which transaction applies:</td></tr>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</td>
    <TD>&nbsp;</td>
    <TD>(3)</td>
    <TD>&nbsp;</td>
    <TD>Per unit price or other underlying value of transaction computed pursuant to Exchange Act Rule 0-11 (set forth the amount
    on which the filing fee is calculated and state how it was determined):</td></tr>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</td>
    <TD>&nbsp;</td>
    <TD>(4)</td>
    <TD>&nbsp;</td>
    <TD>Proposed maximum aggregate value of transaction:</td></tr>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</td>
    <TD>&nbsp;</td>
    <TD>(5)</td>
    <TD>&nbsp;</td>
    <TD>Total fee paid:</td></tr>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <TD>&nbsp;</td>
    <TD COLSPAN="3">Fee paid previously with preliminary materials.</td></tr>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <TD>&nbsp;</td>
    <TD COLSPAN="3">Check box if any part of the fee is offset as provided by Exchange Act Rule 0-11(a)(2) and identify the filing
    for which the offsetting fee was paid previously. Identify the previous filing by registration statement number, or the Form
    or Schedule and the date of its filing.</td></tr>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</td>
    <TD>&nbsp;</td>
    <TD>(1)</td>
    <TD>&nbsp;</td>
    <TD>Amount Previously Paid:</td></tr>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</td>
    <TD>&nbsp;</td>
    <TD>(2)</td>
    <TD>&nbsp;</td>
    <TD>Form, Schedule or Registration Statement No.:</td></tr>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</td>
    <TD>&nbsp;</td>
    <TD>(3)</td>
    <TD>&nbsp;</td>
    <TD>Filing Party:</td></tr>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</td>
    <TD>&nbsp;</td>
    <TD>(4)</td>
    <TD>&nbsp;</td>
    <TD>Date Filed:</td></tr>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;</TD></TR>
</table>

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<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>[Presented below is the text of an email
</B></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>sent to First Horizon employees on May
4, 2017]</B></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

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<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Merger will make us fourth largest regional bank in the Southeast</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">This morning we are announcing the largest merger in our history.&nbsp;
We have signed an agreement to acquire Capital Bank Financial Corp., a bank with $10 billion in assets and 193 branches in the
Carolinas, Tennessee, Florida and Virginia.&nbsp; Once we complete the merger late this year we will become the fourth largest
regional bank in the Southeast.</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">This merger is important on many fronts.&nbsp; It will bring
the talented people of Capital Bank to First Tennessee. &nbsp;It will dramatically increase our presence in attractive, growing
markets in our Mid-Atlantic region.&nbsp; It will give us a significant number of new customers to build relationships with and
new products and services to help meet their needs.&nbsp; It will give employees greater career opportunities and help us recruit
strong talent.&nbsp; It will give us scale to invest in new products, new technologies and development opportunities for our people.&nbsp;
As we grow from $30 billion in assets and 4,300 employees to $40 billion in assets and almost 6,000 employees, we will be able
to capitalize on the $130 million-plus we&rsquo;ve invested in our technology platform over the past six years.&nbsp;&nbsp;&nbsp;</P>

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

<P STYLE="color: rgb(25,25,25); font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Over the next several months we will seek approval
for the transaction from regulators and shareholders of both companies.&nbsp; Once we close, we&rsquo;ll begin our most important
journey yet &ndash; combining talent, capabilities and expertise that will greatly enhance our presence in vibrant markets across
the Southeast.</P>

<P STYLE="color: #191919; font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Our combined organization will have $40 billion in assets, $32
billion in deposits, $27 billion in loans and more than 300 branches in Tennessee, North Carolina, South Carolina, Florida, Mississippi,
Georgia, Texas and Virginia.&nbsp; Our branches in Tennessee will operate as First Tennessee, and branches outside Tennessee will
operate under our existing bank charter as Capital Bank.&nbsp; We will have the capabilities of a big bank with the feel of a community
bank.&nbsp;</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">We will deliver on our promise to be the best at serving our
customers, one opportunity at a time.&nbsp;</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">We will be thoughtful, deliberate and collaborative as we combine
our companies.&nbsp; We will look for the best in people, processes, technology and products to make our combined organization
stronger and better for the long term.&nbsp;</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">Teams from both companies will plan for a smooth transition
on all fronts.&nbsp; Nothing will change for customers or employees for now, and we&rsquo;ll communicate as decisions are made
and the closing date nears.&nbsp; &nbsp;</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">This morning Gene Taylor, chairman and CEO of Capital Bank,
is with me at our corporate headquarters in Memphis to announce our agreement to the public.&nbsp; This afternoon I invite you
to join us for a town hall where we&rsquo;ll give you more information about what this means for our future and answer your questions.&nbsp;
Starting Monday we&rsquo;ll host a series of receptions in Capital Bank markets so our executives can begin to meet their employees
and together celebrate our partnership.</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">Volatility in stock price often follows important announcements
like the one we&rsquo;re making today.&nbsp; Over the coming months as we unveil our plans for a stronger combined company, we
believe everyone involved will see the potential and promise of this merger.&nbsp;&nbsp;&nbsp;</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">This is an exciting day for us.&nbsp; Thank you for all you&rsquo;ve
done to make it possible.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Join us for our town hall today at 1:00 p.m. Central time at
one of these locations.&nbsp; If you can&rsquo;t attend at that time, watch for an audio recording on FirstNet later today.&nbsp;</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 95%; border-collapse: collapse">
<TR STYLE="vertical-align: top; background-color: #5B9BD5">
    <TD STYLE="width: 28%; border-top: #5B9BD5 1px solid; border-bottom: #5B9BD5 1px solid; border-left: #5B9BD5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="color: white"><B>Region</B></FONT></TD>
    <TD STYLE="width: 72%; border-top: #5B9BD5 1px solid; border-right: #5B9BD5 1px solid; border-bottom: #5B9BD5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="color: white"><B>Meeting
    Location</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: #DEEAF6">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Bristol,
    TN</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">Main
    Office - 1st Fl. Conference Room</TD></TR>
<TR STYLE="vertical-align: top">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Charlotte,
    NC</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">Corporate
    Banking Conference Room - 1st and 4th Fl.</TD></TR>
<TR STYLE="vertical-align: top; background-color: #DEEAF6">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Charleston,
    SC</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">Corporate
    Banking Conference Room</TD></TR>
<TR STYLE="vertical-align: top">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Chattanooga,
    TN</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">Main
    Office - Board Room - 2nd Fl.</TD></TR>
<TR STYLE="vertical-align: top; background-color: #DEEAF6">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Chicago,
    IL</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">FTN
    Financial - 500 W Madison Ste. 1705 - Conference Room</TD></TR>
<TR STYLE="vertical-align: top">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Cleveland,
    TN</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">Main
    Office - 2nd Fl. Conference Room</TD></TR>
<TR STYLE="vertical-align: top; background-color: #DEEAF6">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Cookeville,
    TN</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">President&rsquo;s
    Office</TD></TR>
<TR STYLE="vertical-align: top">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Dallas,
    TX</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">Flower
    Mound Room</TD></TR>
<TR STYLE="vertical-align: top; background-color: #DEEAF6">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Franklin,
    TN</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">Franklin
    Two - Meridian Commercial Board Room</TD></TR>
<TR STYLE="vertical-align: top">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Franklin,
    TN</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">Main
    Office - Board Room</TD></TR>
<TR STYLE="vertical-align: top; background-color: #DEEAF6">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Franklin,
    TN</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">Watson
    Glenn Financial Center - Private Client - Conference Room</TD></TR>
<TR STYLE="vertical-align: top">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Gallatin,
    TN</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">Main
    Office - Board Room</TD></TR>
<TR STYLE="vertical-align: top; background-color: #DEEAF6">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Germantown,
    TN</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">Main
    Office - Conference Room</TD></TR>
<TR STYLE="vertical-align: top">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Greenville,
    NC </B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">Main
    Office - Greenville, NC </TD></TR>
<TR STYLE="vertical-align: top; background-color: #DEEAF6">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Greeneville,
    TN</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">Main
    Office - Board Room</TD></TR>
<TR STYLE="vertical-align: top">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Houston,
    TX</B></TD>
    <TD STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">3009
    Post Oak Boulevard #1210 -&nbsp; Conference Room</TD></TR>
<TR STYLE="vertical-align: top; background-color: #DEEAF6">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Houston,
    TX</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">FTN
    Financial - Cobalt Center - 11th Fl.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Huntsville,
    AL</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">Hickory
    Venture - Joe Sims Library</TD></TR>
<TR STYLE="vertical-align: top; background-color: #DEEAF6">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Jackson,
    TN</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">Main
    Office - Board Room</TD></TR>
<TR STYLE="vertical-align: top">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Jacksonville,
    FL</B></TD>
    <TD STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">One
    Enterprise Tower, 225 Water St. 15th Fl. - Conference Room</TD></TR>
<TR STYLE="vertical-align: top; background-color: #DEEAF6">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Johnson
    City, TN</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">Main
    Office - Board Room</TD></TR>
<TR STYLE="vertical-align: top">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Kingsport,
    TN </B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">Main
    Office - Board Room</TD></TR>
<TR STYLE="vertical-align: top; background-color: #DEEAF6">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Knoxville,
    TN</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">Main
    Office - 1st Fl. Training Room</TD></TR>
<TR STYLE="vertical-align: top">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Knoxville,
    TN</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">Chapman
    Hwy - First Link/Customer Service - Conference Room</TD></TR>
<TR STYLE="vertical-align: top; background-color: #DEEAF6">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Knoxville,
    TN</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">Chapman
    Hwy - Collections - Conference Room</TD></TR>
<TR STYLE="vertical-align: top">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Lebanon,
    TN</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">Main
    Office - Board Room</TD></TR>
<TR STYLE="vertical-align: top; background-color: #DEEAF6">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Louisville,
    KY</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">Corporate
    Banking - Conference Room</TD></TR>
<TR STYLE="vertical-align: top">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Maryville,
    TN</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">Data
    Center - Training Room</TD></TR>
<TR STYLE="vertical-align: top; background-color: #DEEAF6">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Maryville,
    TN</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">Main
    Office - Board Room</TD></TR>
<TR STYLE="vertical-align: top">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Memphis,
    TN</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">Corporate
    Headquarters - Horizon Room - M Level</TD></TR>
<TR STYLE="vertical-align: top; background-color: #DEEAF6">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Memphis,
    TN</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">Corporate
    Headquarters - Marketing - 11th Fl.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Memphis,
    TN</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">Court
    Thomas - Credit Ops - 7th Fl. Training Room</TD></TR>
<TR STYLE="vertical-align: top; background-color: #DEEAF6">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Memphis,
    TN</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">Court
    Thomas - Tennessee Room - 6th Fl.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Memphis,
    TN</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">East
    Poplar - 3rd Fl. - Conference Room</TD></TR>
<TR STYLE="vertical-align: top; background-color: #DEEAF6">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Memphis,
    TN</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">East
    Poplar - 4th Fl. - Conference Room</TD></TR>
<TR STYLE="vertical-align: top">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Memphis,
    TN</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">First
    Ops - Conference Room - FOPSW-A-453</TD></TR>
</TABLE>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 95%; border-collapse: collapse">
<TR STYLE="vertical-align: top; background-color: #DEEAF6">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt; width: 28%"><B>Memphis,
    TN</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt; width: 72%">First
    Ops - Consumer Lending Center - FOPSW MT-A-466</TD></TR>
<TR STYLE="vertical-align: top">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Memphis,
    TN</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">First
    Ops - Wire Transfer - FOPSW-351</TD></TR>
<TR STYLE="vertical-align: top; background-color: #DEEAF6">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Memphis,
    TN</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">FTN
    Financial - 2nd Fl. - Training Room</TD></TR>
<TR STYLE="vertical-align: top">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Memphis,
    TN</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">FTB
    Advisors - East Poplar - 3rd Fl.</TD></TR>
<TR STYLE="vertical-align: top; background-color: #DEEAF6">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Memphis,
    TN</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">Lynnfield
    D - 2nd Fl. Training Room</TD></TR>
<TR STYLE="vertical-align: top">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Memphis,
    TN</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">Ron
    Terry Center - Auditorium</TD></TR>
<TR STYLE="vertical-align: top; background-color: #DEEAF6">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Mobile,
    AL</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">FTN
    Financial - Suite 3000 - Conference Room </TD></TR>
<TR STYLE="vertical-align: top">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Morristown,
    TN</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">Main
    Office - Board Room</TD></TR>
<TR STYLE="vertical-align: top; background-color: #DEEAF6">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Murfreesboro,
    TN</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">Main
    Office - Board Room</TD></TR>
<TR STYLE="vertical-align: top">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Nashville,
    TN</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">Main
    Office - Commodore Room</TD></TR>
<TR STYLE="vertical-align: top; background-color: #DEEAF6">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>New
    York, NY</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">FTN
    Financial - 444 Madison Avenue - 9th Fl. </TD></TR>
<TR STYLE="vertical-align: top">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Raleigh,
    NC</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">Corporate
    Banking - Conference Room</TD></TR>
<TR STYLE="vertical-align: top; background-color: #DEEAF6">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Raleigh,
    NC</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">Glenwood
    Office - Conference Room</TD></TR>
<TR STYLE="vertical-align: top">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Richmond,
    VA</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">Corporate
    Banking - Conference Room</TD></TR>
<TR STYLE="vertical-align: top; background-color: #DEEAF6">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Scottsdale,
    AZ</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">Franchise
    Finance - Conference Room - 1st Fl.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Sevierville,
    TN</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">Main
    Office - Board Room</TD></TR>
<TR STYLE="vertical-align: top; background-color: #DEEAF6">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Southaven,
    MS</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">Main
    Office - Board Room</TD></TR>
<TR STYLE="vertical-align: top">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Stamford,
    CT</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">Corporate
    Banking - Conference Room</TD></TR>
<TR STYLE="vertical-align: top; background-color: #DEEAF6">
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; border-left: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Winston-Salem,
    NC</B></TD>
    <TD NOWRAP STYLE="border-right: #9CC2E5 1px solid; border-bottom: #9CC2E5 1px solid; padding-right: 5.4pt; padding-left: 5.4pt">Corporate
    Banking - Conference Room</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>Forward-Looking Statements</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">This communication contains certain &ldquo;forward-looking statements&rdquo;
within the meaning of the Private Securities Litigation Reform Act of 1995 with respect to our beliefs, plans, goals, expectations,
and estimates. Forward-looking statements are not a representation of historical information, but instead pertain to future operations,
strategies, financial results or other developments. The words &ldquo;believe,&rdquo; &ldquo;expect,&rdquo; &ldquo;anticipate,&rdquo;
&ldquo;intend,&rdquo; &ldquo;estimate,&rdquo; &ldquo;should,&rdquo; &ldquo;is likely,&rdquo; &ldquo;will,&rdquo; &ldquo;going forward&rdquo;
and other expressions that indicate future events and trends identify forward-looking statements.</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">Forward-looking statements are necessarily based upon estimates
and assumptions that are inherently subject to significant business, operational, economic and competitive uncertainties and contingencies,
many of which are beyond the control of First Horizon and Capital Bank, and many of which, with respect to future business decisions
and actions, are subject to change. Examples of uncertainties and contingencies include, among other important factors: global,
general, and local economic and business conditions; expectations of and actual timing and amount of interest rate movements; market
and monetary fluctuations; inflation or deflation; customer, investor, competitor, regulatory, and legislative responses to any
or all of these conditions; demand for First Horizon&rsquo;s and Capital Bank&rsquo;s product offerings; the actions of regulators
and agencies, including in connection with the regulatory approval process associated with the merger&#894; pending, threatened,
or possible future regulatory, administrative, and judicial outcomes, actions, and proceedings; changes in laws and regulations
applicable to First Horizon and Capital Bank; the possibility that the proposed transaction will not close when expected or at
all because required regulatory, shareholder or other approvals are not received or other conditions to the closing are not satisfied
on a timely basis or at all&#894; the possibility that the anticipated benefits of the transaction will not be realized when expected
or at all &#894; the possibility that the transaction may be more expensive to complete than anticipated, &#894; diversion of management&rsquo;s
attention from ongoing business operations and opportunities&#894; potential adverse reactions or changes to business or employee
relationships&#894; First Horizon&rsquo;s and Capital Bank&rsquo;s success in executing their respective business plans and strategies
and managing the risks involved in the foregoing; and other factors that may affect future results of First Horizon and Capital
Bank.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Additional factors that could cause results to differ materially
from those contemplated by forward-looking statements can be found in First Horizon&rsquo;s Annual Report on Form 10-K for the
year ended December 31, 2016, and in its subsequent Quarterly Reports on Form 10-Q filed with the SEC and available in the &ldquo;Investor
Relations&rdquo; section of First Horizon&rsquo;s website, <FONT STYLE="color: rgb(0,99,193)"><U>http://www.firsthorizon.com</U></FONT>,
under the heading &ldquo;SEC Filings&rdquo; and in other documents First Horizon files with the SEC, and in Capital Bank&rsquo;s
Annual Report on Form 10-K for the year ended December 31, 2016, and in its subsequent Quarterly Reports on Form 10-Q filed with
the SEC and available in the &ldquo;Investor Relations&rdquo; section of Capital Bank&rsquo;s website, <FONT STYLE="color: rgb(0,99,193)"><U>www.CapitalBank-US.com</U></FONT>,
under the heading &ldquo;Financials &amp; Filings&rdquo; and in other documents Capital Bank files with the SEC.</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>Important Other Information</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In connection with the proposed transaction, First Horizon
will file with the SEC a Registration Statement on Form S-4 that will include a Joint Proxy Statement of First Horizon and Capital
Bank and a Prospectus of First Horizon, as well as other relevant documents concerning the proposed transaction. The proposed
transaction involving First Horizon and Capital Bank will be submitted to First Horizon&rsquo;s shareholders and Capital Bank&rsquo;s
stockholders for their consideration. This communication does not constitute an offer to sell or the solicitation of an offer
to buy any securities or a solicitation of any vote or approval. SHAREHOLDERS OF FIRST HORIZON AND STOCKHOLDERS OF CAPITAL BANK
ARE URGED TO READ THE REGISTRATION STATEMENT AND THE JOINT PROXY STATEMENT/PROSPECTUS REGARDING THE TRANSACTION WHEN IT BECOMES
AVAILABLE AND ANY OTHER RELEVANT DOCUMENTS FILED WITH THE SEC, AS WELL AS ANY AMENDMENTS OR SUPPLEMENTS TO THOSE DOCUMENTS, BECAUSE
THEY WILL CONTAIN IMPORTANT INFORMATION. Shareholders will be able to obtain a free copy of the definitive joint proxy statement/prospectus,
as well as other filings containing information about First Horizon and Capital Bank, without charge, at the SEC&rsquo;s website
(<FONT STYLE="color: rgb(0,99,193)"><U>http://www.sec.gov</U></FONT>). Copies of the joint proxy statement/prospectus and the
filings with the SEC that will be incorporated by reference in the joint proxy statement/prospectus can also be obtained, without
charge, by directing a request to Clyde A. Billings Jr., First Horizon National Corporation, 165 Madison, 8th Floor, Memphis,
TN 38103, telephone (901)523-5679, or Kenneth A. Posner, Capital Bank Financial Corp, 1345 Avenue of the Americas, Suite 2-087,
New York, NY 10105, telephone (212)399-4020.&nbsp;&nbsp;&nbsp;</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>Participants in the Solicitation</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">First Horizon, Capital Bank and certain of their respective
directors, executive officers and employees may be deemed to be participants in the solicitation of proxies in respect of the proposed
transaction. Information regarding First Horizon&rsquo;s directors and executive officers is available in its definitive proxy
statement, which was filed with the SEC on March 13, 2017, and certain of its Current Reports on Form 8-K. Information regarding
Capital Bank&rsquo;s directors and executive officers is available in its definitive proxy statement, which was filed with SEC
on April 28, 2017, and certain of its Current Reports on Form 8-K. Other information regarding the participants in the proxy solicitation
and a description of their direct and indirect interests, by security holdings or otherwise, will be contained in the joint proxy
statement/prospectus and other relevant materials filed with the SEC. Free copies of this document may be obtained as described
in the preceding paragraph.</P>

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