<SEC-DOCUMENT>0001171843-17-006032.txt : 20171013
<SEC-HEADER>0001171843-17-006032.hdr.sgml : 20171013
<ACCEPTANCE-DATETIME>20171013063018
ACCESSION NUMBER:		0001171843-17-006032
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20171013
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Regulation FD Disclosure
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20171013
DATE AS OF CHANGE:		20171013

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:		171135602

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

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

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

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FIRST TENNESSEE BANKS INC
		DATE OF NAME CHANGE:	19600201
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>f8k_101317.htm
<DESCRIPTION>FORM 8-K
<TEXT>
<html><head><title></title></head><body><div style="margin-top: 3pt; margin-bottom: 12pt;"><div style="font-size: 1pt; border-top: Black 2.5pt solid; border-bottom: Black 1.1pt solid; width: 100%;"><font style="font-size: 10pt;">&#160;</font></div></div><p style="text-align: center;"><font style="font-size: 14pt;"><strong>UNITED STATES</strong><br><strong>SECURITIES AND EXCHANGE COMMISSION</strong><br><strong>Washington, D.C. 20549</strong><br>_____________________</font></p><p style="text-transform: uppercase; text-align: center;"><font style="font-size: 14pt;"><strong>Form 8-K</strong><br>_____________________</font></p><p style="text-align: center;"><font style="font-size: 12pt;"><strong>CURRENT REPORT</strong></font></p><p style="text-align: center;"><font style="font-size: 12pt;"><strong>Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</strong></font></p><p align="center"><font style="font-size: 10pt;">Date of Report (Date of earliest event Reported): <!--October 13, 2017-->October 13, 2017 &#160;</font></p><p align="center"><font style="font-size: 12pt;"><strong>First Horizon National Corporation</strong></font><br><font style="font-size: 10pt;">(Exact Name of Registrant as Specified in Charter)</font></p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="top"><td align="center" width="33%"><font style="font-size: 10pt;"><strong>TENNESSEE </strong></font></td><td align="center" width="34%"><font style="font-size: 10pt;"><strong>001-15185</strong></font></td><td align="center" width="33%"><font style="font-size: 10pt;"><strong>62-0803242</strong></font></td></tr><tr valign="top"><td align="center" width="33%"><font style="font-size: 10pt;">(State or Other Jurisdiction of Incorporation)</font></td><td align="center" width="34%"><font style="font-size: 10pt;">(Commission File Number)</font></td><td align="center" width="33%"><font style="font-size: 10pt;">(I.R.S. 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[ &#160; &#160;]</p><div style="margin-top: 12pt; margin-bottom: 3pt;"><div style="font-size: 1pt; border-top: Black 1.1pt solid; border-bottom: Black 2.5pt solid; width: 100%;"><font style="font-size: 10pt;">&#160;</font></div>&#160;</div><hr style="page-break-after: always;" noshade="noshade"><p><font style="font-size: 10pt;">  <strong>  </strong></font></p><p><font style="font-size: 10pt;"><strong>Item 2.02. Results of Operations and Financial Condition.</strong></font></p><p><font style="font-size: 10pt;">
 <p>&#160;</p> </font></p><p><font style="font-size: 10pt;"><strong>  </strong></font></p><p><font style="font-size: 10pt;"><strong>Item 7.01. Regulation FD Disclosure.</strong></font></p><p><font style="font-size: 10pt;">
 <p align="justify">Furnished as Exhibit 99.1 is a copy of the First Horizon National Corporation (&#8220;FHN&#8221;) earnings release for the quarter ended September&#160;30, 2017, which is scheduled to be released October&#160;13, 2017.</p>  <p align="justify">The foregoing information is furnished pursuant to Item 2.02, "Regulation of Operations and Financial Condition," and Item 7.01, "Regulation FD Disclosure." The exhibit speaks as of the date thereof and First Horizon National Corporation ("First Horizon") does not assume any obligation to update in the future the information therein.</p>  <p align="justify"><strong>Use of Non-GAAP Measures and Regulatory Measures that are not GAAP in the Exhibit</strong></p>  <p align="justify">Certain measures are included in the exhibit that are &#8220;non-GAAP,&#8221; meaning (under U.S. financial reporting rules) they are not presented in accordance with generally accepted accounting principles (&#8220;GAAP&#8221;) in the U.S. and also are not codified in the U.S. banking regulations currently applicable to FHN. Although other entities may use calculation methods that differ from those used by FHN for non-GAAP measures, FHN&#8217;s management believes such measures are relevant to understanding the financial condition, capital position, and financial results of FHN and its business segments. Non-GAAP measures are reported to FHN&#8217;s management and directors through various internal reports.</p>  <p align="justify">Presentation of regulatory measures, some of which follow regulatory definitions rather than GAAP, provides a meaningful base for comparability to other financial institutions subject to the same regulations as FHN. Such measures are used by the various banking regulators in reviewing the performance, stability, and capital adequacy of financial institutions they regulate. Although not GAAP terms, these regulatory measures are not considered &#8220;non-GAAP&#8221; under U.S. financial reporting rules as long as their presentation conforms to regulatory standards. Regulatory measures used in the exhibit include: common equity tier 1 capital, generally defined as common equity less goodwill, other intangibles, and certain other required regulatory deductions; tier 1 capital, generally defined as the sum of core capital (including common equity and instruments that cannot be redeemed at the option of the holder) adjusted for certain items under risk based capital regulations; and risk weighted assets (&#8220;RWA&#8221;), which is a measure of total on- and off-balance sheet assets adjusted for credit and market risk, used to determine regulatory capital ratios. The non-GAAP measures presented in the exhibit include: Return on average tangible common equity (&#8220;ROTCE&#8221;) and Adjusted earnings per share ("EPS").</p>  <p align="justify">Reconciliations of non-GAAP to GAAP measures and presentation of the most comparable GAAP items are presented at the end of the earnings release.</p>  <p align="justify"><strong>Forward-Looking Statements</strong><br>This communication contains certain &#8220;forward-looking statements&#8221; 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 &#8220;believe,&#8221; &#8220;expect,&#8221; &#8220;anticipate,&#8221; &#8220;intend,&#8221; &#8220;estimate,&#8221; &#8220;should,&#8221; &#8220;is likely,&#8221; &#8220;will,&#8221; &#8220;going forward,&#8221; and other expressions that indicate future events and trends identify forward-looking statements.</p>  <p align="justify">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 Financial Corp. ("Capital Bank"), which announced a proposed transaction on May 4, 2017, 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, including economic recession or depression; expectations of and actual timing and amount of interest rate movements, including the slope and shape of the yield curve, which can have a significant impact on a financial services institution; market and monetary fluctuations, including fluctuations in mortgage markets; inflation or deflation; customer, investor, competitor, regulatory, and legislative responses to any or all of these conditions; demand for First Horizon&#8217;s and Capital Bank&#8217;s product offerings; the actions of the Securities and Exchange Commission (SEC), the Financial Accounting Standards Board (FASB), the Office of the Comptroller of the Currency (OCC), the Board of Governors of the Federal Reserve System (Federal Reserve), the Federal Deposit Insurance Corporation (FDIC), the Financial Industry Regulatory Authority (FINRA), the U.S. Department of the Treasury (Treasury), the Municipal Securities Rulemaking Board (MSRB), the Consumer Financial Protection Bureau (CFPB), the Financial Stability Oversight Council (Council), the Public Company Accounting Oversight Board (PCAOB), and other 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; current or future Executive orders; 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 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, including as a result of the impact of, or problems arising from, the integration of the two companies or as a result of the strength of the economy and competitive factors in the areas where First Horizon and Capital Bank do business&#894; the possibility that the transaction may be more expensive to complete than anticipated, including as a result of unexpected factors or events&#894; diversion of management&#8217;s attention from ongoing business operations and opportunities&#894; potential adverse reactions or changes to business or employee relationships, including those resulting from the announcement or completion of the transaction&#894; First Horizon&#8217;s and Capital Bank&#8217;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>  <p align="justify">Additional factors that could cause results to differ materially from those contemplated by forward-looking statements can be found in First Horizon&#8217;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 &#8220;Investor Relations&#8221; section of First Horizon&#8217;s website, http://www.firsthorizon.com, under the heading &#8220;SEC Filings&#8221; and in other documents First Horizon files with the SEC, and in Capital Bank&#8217;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 &#8220;Investor Relations&#8221; section of Capital Bank&#8217;s website, www.CapitalBank-US.com, under the heading &#8220;Financials &amp; Filings&#8221; and in other documents Capital Bank files with the SEC.</p>  <p align="justify"><strong>Important Other Information</strong><br>In connection with the proposed transaction, First Horizon has filed with the SEC a Registration Statement on Form S-4 (No. 333-219052) and a definitive Joint Proxy Statement of First Horizon and Capital Bank and Prospectus of First Horizon, as well as other relevant documents concerning the proposed transaction. The proposed transaction involving First Horizon and Capital Bank has been approved by First Horizon's shareholders and Capital Bank's stockholders, but remains subject to other customary conditions to closing. This communication does not constitute an offer to sell or the solicitation of an offer to buy any securities. SHAREHOLDERS OF FIRST HORIZON AND CAPITAL BANK ARE URGED TO READ THE REGISTRATION STATEMENT AND THE JOINT PROXY STATEMENT/PROSPECTUS REGARDING THE TRANSACTION AND ANY OTHER RELEVANT DOCUMENTS FILED WITH THE SEC, AS WELL AS ANY AMENDMENTS OR SUPPLEMENTS TO THOSE DOCUMENTS, BECAUSE THEY DO AND WILL CONTAIN IMPORTANT INFORMATION. Shareholders may 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&#8217;s website (http://www.sec.gov).</p> </font></p><p><font style="font-size: 10pt;"><strong>  </strong></font></p><p><font style="font-size: 10pt;"><strong>Item 9.01. Financial Statements and Exhibits.</strong></font></p><p><font style="font-size: 10pt;">
 <p><font style="color: black;">(d)</font>&#160;&#160;<font style="color: black;">Exhibits</font><br>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<br><font style="color: black;">The following exhibit is furnished pursuant to Items 2.02 and 7.01, is not to be considered "filed" under the Securities Exchange Act 1934, as amended ("Exchange Act"), and shall not be incorporated by reference into any of First Horizon's previous or future filings under the Securities Act of 1933, as amended, or the Exchange Act.</font></p> <table style="border-collapse: collapse; "><tr><td colspan="2" style="text-align: left ;  vertical-align: bottom; vertical-align: bottom ; "><strong><u><font style="color: black; font-size:10pt;">Exhibit #</font></u></strong></td><td style="text-align: left ;  vertical-align: bottom; vertical-align: bottom ; "><font style="font-size:10pt;">&#160;</font></td><td style="text-align: left ;  vertical-align: bottom; vertical-align: bottom ; "><strong><u><font style="color: black; font-size:10pt;">Description</font></u></strong></td></tr><tr><td colspan="2" style="text-align: left ;  vertical-align: bottom; vertical-align: bottom ; "><font style="font-size:10pt;">&#160;</font></td><td style="text-align: left ;  vertical-align: bottom; vertical-align: bottom ; "><font style="font-size:10pt;">&#160;</font></td><td style="text-align: left ;  vertical-align: bottom; vertical-align: bottom ; "><font style="font-size:10pt;">&#160;</font></td></tr><tr><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; "><font style="font-size:10pt; font-family:&quot;Times New Roman&quot;;"><font style="font-size:10pt; font-family:&quot;Times New Roman&quot;;"><font style="font-size:10pt; font-family:&quot;Times New Roman&quot;;"><a href="exh_991.htm" rel="nofollow">99.1</a></font></font></font></td><td style="text-align: left ;  vertical-align: bottom; vertical-align: bottom ; "><font style="font-size:10pt;">&#160;</font></td><td style="text-align: left ;  vertical-align: bottom; vertical-align: bottom ; "><font style="font-size:10pt;">&#160;</font></td><td style="text-align: left ;  vertical-align: bottom; vertical-align: bottom ; "><font style="font-size:10pt;"><a href="exh_991.htm" rel="nofollow">First Horizon National Corporation earnings release issued for the quarter ended September 30, 2017.</a></font></td></tr></table></font></p><p><font style="font-size: 10pt;"></font></p><p><font style="font-size: 10pt;"></font></p><hr style="page-break-after: always;" noshade="noshade"><p align="center"><font style="font-size: 10pt;"><strong>SIGNATURE</strong></font></p><p><font style="font-size: 10pt;">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</font></p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="top"><td valign="top" width="49%"><font style="font-size: 10pt;">&#160;</font></td><td style="font-size: 12pt;" colspan="2" valign="top"><font style="font-size: 10pt;"><strong>First Horizon National Corporation</strong></font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">&#160;</font></td><td width="2%"><font style="font-size: 10pt;">&#160;</font></td><td width="49%"><font style="font-size: 10pt;">&#160;</font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">&#160;</font></td><td width="2%"><font style="font-size: 10pt;">&#160;</font></td><td width="49%"><font style="font-size: 10pt;"></font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">Date: October 13, 2017</font></td><td width="2%"><font style="font-size: 10pt;">By:&#160;</font></td><td style="text-decoration: underline;" width="49%"><font style="font-size: 10pt;">/s/ William C. Losch III&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">&#160;</font></td><td width="2%"><font style="font-size: 10pt;">&#160;</font></td><td width="49%"><font style="font-size: 10pt;">William C. Losch III</font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">&#160;</font></td><td width="2%"><font style="font-size: 10pt;">&#160;</font></td><td width="49%"><font style="font-size: 10pt;">Executive Vice President and Chief Financial Officer</font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">&#160;</font></td><td width="2%"><font style="font-size: 10pt;">&#160;</font></td><td width="49%"><font style="font-size: 10pt;"></font></td></tr></table><p></body></html>
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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>exh_991.htm
<DESCRIPTION>PRESS RELEASE
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<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.0 Transitional//EN"><html lang="en-US"><head><title>EdgarFiling</title><meta content="text/html; charset=windows-1252"><meta name="GENERATOR" content="MSHTML 8.00.7601.18094"></head><body bgcolor="#ffffff"><p style="text-align: right;"><strong>EXHIBIT 99.1</strong></p><p style="text-align: center;"><strong>First Horizon continues to gain momentum, demonstrates strong progress in 3Q17</strong></p><p style="text-align: center;"><p>
 <p align="left">MEMPHIS, Tenn., Oct.  13, 2017  (GLOBE NEWSWIRE) -- Profitability and momentum remained strong, generating solid financial results in the third quarter at First Horizon National Corp. (NYSE:FHN). Earnings per share increased 7 percent year over year. Net interest income was up 13 percent, driven by average total loan growth of 6 percent and growth in higher-return specialty areas such as loans to mortgage companies and asset-based lending. In the regional bank, average deposits were up 8 percent, revenue increased by 7 percent and First Tennessee maintained its number one deposit market share position in the state of Tennessee. Consolidated net interest margin expanded to 3.19 percent from 2.96 percent and returns and profitability improved with higher return on tangible common equity (ROTCE) and return on assets (ROA). Credit quality trends remain stable.</p>  <p>&#8220;Our third quarter results were solid with very good balance sheet and revenue growth, as well as our continued focus on controlling costs,&#8221; said Bryan Jordan, First Horizon&#8217;s chairman and CEO. &#8220;Our people did an excellent job of focusing on customers and growing the business while dedicating significant amounts of time to planning the integration of our pending merger with Capital Bank.&#8221;</p>  <p><strong>3Q17 Financial Highlights </strong><em>(all comparisons vs 3Q16)</em></p> <table style="border-collapse: collapse; border-collapse: collapse; border-collapse: collapse; border-collapse: collapse; border-collapse: collapse; border-collapse: collapse; border-collapse: collapse; "><tr><td colspan="4" style="text-align: center ;  vertical-align: bottom; vertical-align: bottom ; ">Diluted EPS<br><strong>$0.28</strong></td><td style="text-align: center ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: center ;  vertical-align: bottom; vertical-align: bottom ; ">Adjusted diluted EPS<sup>1</sup><br><strong>$0.32</strong></td><td colspan="2" style="text-align: center ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: center ;  vertical-align: bottom; vertical-align: bottom ; ">ROA<sup>2</sup><br><strong>0.99%</strong></td><td style="text-align: center ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: center ;  vertical-align: bottom; vertical-align: bottom ; ">ROTCE<sup>1,2</sup><br><strong>12.2%</strong></td></tr><tr><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="4" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="border-bottom: solid black 1pt ; vertical-align: bottom ; ">&#160;</td></tr><tr><td style="text-align: center ;  vertical-align: bottom; vertical-align: middle ; "><strong>Regional Bank</strong></td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="10" style="border-top: solid black 1pt ; border-right: solid black 1pt ; border-bottom: solid black 1pt ; border-left: solid black 1pt ; vertical-align: bottom ; "> <ul type="disc"><li>Revenue up 7% due to increased net interest income</li><li>Net interest income up 10% from loan growth and the benefit of short term rate increases</li><li>Average loans up 9%</li><li>Average deposits up 8%</li></ul> </td></tr><tr><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="9" style="border-bottom: solid black 1pt ; vertical-align: bottom ; ">&#160;</td></tr><tr><td style="text-align: center ;  vertical-align: bottom; vertical-align: middle ; "><strong>Consolidated</strong></td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="10" style="border-top: solid black 1pt ; border-right: solid black 1pt ; border-bottom: solid black 1pt ; border-left: solid black 1pt ; vertical-align: bottom ; "> <ul type="disc"><li>Net income available to common shareholders up 7%</li><li>Net interest income up 13%</li><li>Net interest margin improved by 23 basis points to 3.19%</li><li>Net charge offs steady at $2.4 million in 3Q17 compared to $2.3 million in 3Q16</li><li>Adjusted EPS for second quarter was $0.32<sup>1</sup>. 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vertical-align: bottom ; ">&#160;</td></tr></table> <p>(a) Included in Total equity on the Consolidated Balance Sheet.<br>(b) Includes goodwill and other intangible assets, net of amortization.<br>(c) Includes a $14.3 million pre-tax loss from the repurchase of equity securities previously included in a financing transaction, $8.2 million of pre-tax acquisition-related expenses primarily associated with the Capital Bank Financial (CBF) and Coastal Securities, Inc. (Coastal) acquisitions, and $8.2 million of pre-tax loss accruals related to legal matters adjusted using an incremental tax rate of approximately 32 percent. Also includes $(13.7) million related to favorable effective tax rate adjustments primarily associated with the reversal of a capital loss deferred tax valuation allowance and certain discrete period items.</p>  <p><strong>Conference call</strong><br>Management will hold a conference call at 8:30 a.m. Central Time today to review earnings and performance trends. There will also be a live webcast accompanied by the slide presentation available in the investor relations section of www.FirstHorizon.com.&#160; The call and slide presentation may involve forward-looking information, including guidance.</p>  <p>Callers wishing to participate may call toll-free starting at 8:15 a.m. CT on Oct. 13 by dialing 888-317-6003 and entering access code 6686690. The number for international participants is 412-317-6061.&#160;</p>  <p>Participants can also listen to the live audio webcast with the accompanying slide presentation through the investor relations section of&#160;www.fhnc.com. A replay will be available from noon CT on Oct. 13 until midnight CT on Oct. 28. To listen to the replay, dial 877-344-7529 or 412-317-0088. The access code is 10112671. The event also will be archived and available beginning Oct. 14 by midnight CT in the events and presentations section of&#160;http://ir.fhnc.com.</p>  <p><strong>Debt Investor Materials</strong><br>First Horizon expects to post additional materials for debt investors on Oct. 26 in the investor relations section of www.FirstHorizon.com&#160; First Horizon will also provide these materials to analysts at upcoming meetings. The debt investor materials posted may contain forward-looking statements, including guidance, involving significant risks and uncertainties, which will be identified by words such as "believe," "expect," "anticipate," "intend," "estimate," "should," "is likely," "will," "going forward" and other expressions that indicate future events and trends and may be followed by or reference cautionary statements. A number of factors could cause actual results to differ materially from those in the forward-looking information. These factors are outlined in our most recent earnings press release and in more detail in our most current 10-Q and 10-K reports. First Horizon disclaims any obligation to update any of the forward-looking statements that are made from time to time to reflect future events or developments or changes in expectations.</p>  <p><strong>Disclaimers and Other Information</strong></p>  <p><em>Forward-Looking Statements</em> <br>This communication contains certain &#8220;forward-looking statements&#8221; 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 &#8220;believe,&#8221; &#8220;expect,&#8221; &#8220;anticipate,&#8221; &#8220;intend,&#8221; &#8220;estimate,&#8221; &#8220;should,&#8221; &#8220;is likely,&#8221; &#8220;will,&#8221; &#8220;going forward,&#8221; and other expressions that indicate future events and trends identify forward-looking statements.</p>  <p>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 Financial Corp. (&#8220;Capital Bank&#8221;), which announced a proposed transaction on May 4, 2017, 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, including economic recession or depression; expectations of and actual timing and amount of interest rate movements, including the slope and shape of the yield curve, which can have a significant impact on a financial services institution; market and monetary fluctuations, including fluctuations in mortgage markets; inflation or deflation; customer, investor, competitor, regulatory, and legislative responses to any or all of these conditions; demand for First Horizon&#8217;s and Capital Bank&#8217;s product offerings; the actions of the Securities and Exchange Commission (SEC), the Financial Accounting Standards Board (FASB), the Office of the Comptroller of the Currency (OCC), the Board of Governors of the Federal Reserve System (Federal Reserve), the Federal Deposit Insurance Corporation (FDIC), the Financial Industry Regulatory Authority (FINRA), the U.S. Department of the Treasury (Treasury), the Municipal Securities Rulemaking Board (MSRB), the Consumer Financial Protection Bureau (CFPB), the Financial Stability Oversight Council (Council), the Public Company Accounting Oversight Board (PCAOB), and other 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; current or future Executive orders; 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, 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, including as a result of the impact of, or problems arising from, the integration of the two companies or as a result of the strength of the economy and competitive factors in the areas where First Horizon and Capital Bank do business&#894; the possibility that the transaction may be more expensive to complete than anticipated, including as a result of unexpected factors or events&#894; diversion of management&#8217;s attention from ongoing business operations and opportunities&#894; potential adverse reactions or changes to business or employee relationships, including those resulting from the announcement or completion of the transaction&#894; First Horizon&#8217;s and Capital Bank&#8217;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>  <p>Additional factors that could cause results to differ materially from those contemplated by forward-looking statements can be found in First Horizon&#8217;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 &#8220;Investor Relations&#8221; section of First Horizon&#8217;s website, http://www.firsthorizon.com, under the heading &#8220;SEC Filings&#8221; and in other documents First Horizon files with the SEC, and in Capital Bank&#8217;s Annual Report on Form 10-K for the year ended December 31, 2016 and in its subsequent Quarterly Reports on Form 10-Q, including for the quarter ended March 31, 2017, filed with the SEC and available in the &#8220;Investor Relations&#8221; section of Capital Bank&#8217;s website, www.CapitalBank-US.com, under the heading &#8220;Financials &amp; Filings&#8221; and in other documents Capital Bank files with the SEC.</p>  <p><em>Important Other Information</em><br>In connection with the proposed transaction, First Horizon has filed with the SEC a Registration Statement on Form S-4 (No. 333-219052) and a definitive 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 has been approved by First Horizon&#8217;s shareholders and Capital Bank&#8217;s stockholders, but remains subject to other customary conditions to closing. This communication does not constitute an offer to sell or the solicitation of an offer to buy any securities. SHAREHOLDERS OF FIRST HORIZON AND CAPITAL BANK ARE URGED TO READ THE REGISTRATION STATEMENT AND THE JOINT PROXY STATEMENT/PROSPECTUS REGARDING THE TRANSACTION AND ANY OTHER RELEVANT DOCUMENTS FILED WITH THE SEC, AS WELL AS ANY AMENDMENTS OR SUPPLEMENTS TO THOSE DOCUMENTS, BECAUSE THEY DO AND WILL CONTAIN IMPORTANT INFORMATION. Shareholders may 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&#8217;s website (http://www.sec.gov).</p>  <p><strong>About First Horizon</strong><br>The 4,300 employees of First Horizon National Corp. (NYSE:FHN) provide financial services through more than 160 bank locations across Tennessee and the southern U.S. and 28 FTN Financial offices across the U.S. The company was founded in 1864 and has the 14th oldest national bank charter in the country.&#160;First Tennessee, No. 5 on American Banker&#8217;s Top 10 Most Reputable U.S. Banks, has the largest deposit market share in Tennessee and one of the highest customer retention rates of any bank in the country.&#160;FTN Financial is a capital markets industry leader in fixed income sales, trading and strategies for institutional customers in the U.S. and abroad. First Horizon has been recognized as one of the nation's best employers by Working Mother and American Banker. More information is available at&#160;www.FirstHorizon.com.</p>  <p>FHN-G</p>  <p>CONTACT:</p>  <p>First Horizon Investor Relations, Aarti Bowman, (901) 523-4017<br>First Horizon Media Relations, James Dowd, (901) 523-4305</p> </p><p></body></html>
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