<SEC-DOCUMENT>0000930413-18-000129.txt : 20180124
<SEC-HEADER>0000930413-18-000129.hdr.sgml : 20180124
<ACCEPTANCE-DATETIME>20180124163040
ACCESSION NUMBER:		0000930413-18-000129
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20180123
ITEM INFORMATION:		Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20180124
DATE AS OF CHANGE:		20180124

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:		18545499

	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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<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>UNITED STATES</B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>SECURITIES AND EXCHANGE COMMISSION</B></P>

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

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

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

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

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>CURRENT REPORT</B></P>

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

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>The Securities Exchange Act of 1934</B></P>

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

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-align: center">Date of report (Date of earliest event reported):
January 23, 2018</P>

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

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

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

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>First Horizon National Corporation</B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Exact Name of Registrant as Specified in Charter)</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>TN</B></FONT></TD>
    <TD STYLE="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>001-15185</B></FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>62-0803242</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(State or other jurisdiction <BR>
of incorporation)</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; vertical-align: top"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(Commission File Number)</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; vertical-align: top"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(IRS Employer Identification No.)</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 10pt">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 67%; padding-right: 5.4pt; padding-left: 5.4pt; font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>165 MADISON AVENUE MEMPHIS, TENNESSEE</B></FONT></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>38103</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(Address of principal executive office)</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(Zip Code)</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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

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

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 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: 0; text-align: center"><B>&nbsp;</B></P>

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 10pt">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 6%; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font: 10pt Wingdings">o</FONT></TD>
    <TD STYLE="width: 94%; font-family: Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font: 10pt Wingdings">o</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font: 10pt Wingdings">o</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font: 10pt Wingdings">o</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</FONT></TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white">Indicate by check mark whether the registrant
is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR &sect;230.405) or Rule 12b-2 of the
Securities Exchange Act of 1934 (17 CFR &sect;240.12b-2).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right; background-color: white">Emerging growth company
<FONT STYLE="font-family: Segoe UI Symbol,sans-serif">&#9744;</FONT></P>

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

<P STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">If an emerging
growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with
any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. <FONT STYLE="font-family: Wingdings ">o</FONT></FONT></P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 10%"><B>ITEM 5.03.</B></TD>
    <TD STYLE="width: 90%"><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: 0">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">On January 23, 2018, the Company&rsquo;s Board of Directors amended
Section 3.2 of the Company&rsquo;s Bylaws. The amendment is effective immediately.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The amendment to Section 3.2 decreases the size of the Company&rsquo;s
Board of Directors from thirteen to twelve persons. This amendment eliminates the vacancy created by the retirement of R. Brad
Martin in December 2017.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">A copy of the Company&rsquo;s Bylaws as amended is filed as an exhibit
with this Report.</P>

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

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<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 10pt; text-indent: -10pt; width: 10%"><B>ITEM 9.01.&nbsp;</B></TD>
    <TD STYLE="padding-left: 10pt; text-indent: -10pt; width: 90%"><B>Financial Statements and Exhibits </B></TD></TR>
</TABLE>


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">(d)&#9;Exhibits</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The following exhibit is filed herewith:</P>

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

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    <TD STYLE="width: 10%; font-family: Calibri, Helvetica, Sans-Serif; border-bottom: Black 1px solid"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Exhibit
    #</FONT></TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 87%; font-family: Calibri, Helvetica, Sans-Serif; border-bottom: Black 1px solid"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Description</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-family: Calibri, Helvetica, Sans-Serif; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">3.1</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-family: Calibri, Helvetica, Sans-Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><A HREF="c90222_ex3-1.htm" STYLE="-sec-extract: exhibit">Bylaws of First Horizon National Corporation, as amended and restated effective January 23, 2018</A></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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

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

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

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

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

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<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">First Horizon National Corporation</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><I>(Registrant)</I></FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 40%; padding-left: 36pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Date: January 24, 2018</FONT></TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 4%"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1px solid; width: 44%"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">/s/ Clyde A. Billings, Jr.</FONT></TD>
    <TD STYLE="width: 10%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Clyde A. Billings, Jr.</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><I>Senior Vice President, Assistant General Counsel, and Corporate Secretary</I></FONT></TD>
    <TD>&nbsp;</TD></TR>
</TABLE>

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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: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>BYLAWS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>(As Amended and Restated Effective January
23, 2018)</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</B></P>

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

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

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

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

<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>(b)</TD>
    <TD STYLE="text-align: left"> fill vacancies on the Board of Directors or on any of its committees,</TD></TR>

<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>(c)</TD>
    <TD STYLE="text-align: left"> adopt, amend or repeal bylaws,</TD></TR>

<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>(d)</TD>
    <TD STYLE="text-align: left"> authorize or approve the reacquisition of shares, except according to a formula or method prescribed by the Board of Directors,
or</TD></TR>

<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>(e)</TD>
    <TD STYLE="text-align: left"> 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,</P>

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

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">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 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" 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: 36pt">&nbsp;</TD>
    <TD STYLE="width: 36pt">(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>

<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>(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>

<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>(iii)</TD>
    <TD> A signed written consent on any physical medium may be delivered by any physical means.</TD></TR>

<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>(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>

<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>(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>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 36pt">(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 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.</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">(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</B></P>

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

<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 Senior 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>

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<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, 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; text-indent: 36pt">&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>

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<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 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 the
officer who is designated as or has the functions of 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><U>.</U> 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 Senior Vice Presidents and 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>

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<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 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 Senior 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</B></P>

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

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

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

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 36pt; text-align: right">&nbsp;</TD><TD STYLE="width: 36pt">(b)</TD><TD STYLE="text-align: left">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="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 36pt; text-align: right">&nbsp;</TD><TD STYLE="width: 36pt">(c)</TD><TD STYLE="text-align: left">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 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="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 36pt; text-align: right">&nbsp;</TD><TD STYLE="width: 36pt">(a)</TD><TD STYLE="text-align: left">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="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 36pt; text-align: right">&nbsp;</TD><TD STYLE="width: 36pt">(b)</TD><TD STYLE="text-align: left">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="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 36pt; text-align: right">&nbsp;</TD><TD STYLE="width: 36pt">(c)</TD><TD STYLE="text-align: left">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="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 36pt; text-align: right">&nbsp;</TD><TD STYLE="width: 36pt">(d)</TD><TD STYLE="text-align: left">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="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 36pt; text-align: right">&nbsp;</TD><TD STYLE="width: 36pt">(a)</TD><TD STYLE="text-align: left">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="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 36pt; text-align: right">&nbsp;</TD><TD STYLE="width: 36pt">(b)</TD><TD STYLE="text-align: left">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="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 36pt; text-align: right">&nbsp;</TD><TD STYLE="width: 36pt">(c)</TD><TD STYLE="text-align: left">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>

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<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 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</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><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="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 36pt; text-align: right">&nbsp;</TD><TD STYLE="width: 36pt">(a)</TD><TD STYLE="text-align: left">Any director who shall attain the age of seventy-two (72) 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 the Board in the exercise of its discretion may increase the mandatory
retirement age by three years to age seventy-five (75) for any director.</TD>
</TR></TABLE>

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

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<TD STYLE="width: 36pt; text-align: right">&nbsp;</TD><TD STYLE="width: 36pt">(b)</TD><TD STYLE="text-align: left">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>

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<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>

<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>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</B></P>

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

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<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>

<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>9.3 <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</B></P>

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

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<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 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>

<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>10.8  <U>Forum for Adjudication of
Disputes</U>. </B>Unless the Corporation consents in writing to the selection of an alternative forum, the sole and exclusive forum
for (i) any derivative action or proceeding brought in the right of the Corporation, (ii) any action asserting a claim of breach
of a fiduciary duty owed by any director or officer or other employee of the Corporation to the Corporation or the Corporation&rsquo;s
shareholders, (iii) any action asserting a claim against the Corporation or any director or officer or other employee of the Corporation
arising pursuant to any provision of the Tennessee Business Corporation Act or the Charter or these Bylaws (in each case, as they
may be amended from time to time), or (iv) any action asserting a claim against the Corporation or any director or officer or other
employee of the Corporation governed by the internal affairs doctrine shall be a state or federal court located within Shelby County
in the State of Tennessee.</P>

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