<SEC-DOCUMENT>0000930413-18-000536.txt : 20180221
<SEC-HEADER>0000930413-18-000536.hdr.sgml : 20180221
<ACCEPTANCE-DATETIME>20180221161701
ACCESSION NUMBER:		0000930413-18-000536
CONFORMED SUBMISSION TYPE:	PRE 14A
PUBLIC DOCUMENT COUNT:		24
CONFORMED PERIOD OF REPORT:	20180424
FILED AS OF DATE:		20180221
DATE AS OF CHANGE:		20180221

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:		PRE 14A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-15185
		FILM NUMBER:		18628622

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

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

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

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FIRST TENNESSEE BANKS INC
		DATE OF NAME CHANGE:	19600201
</SEC-HEADER>
<DOCUMENT>
<TYPE>PRE 14A
<SEQUENCE>1
<FILENAME>c90447_pre14a.htm
<TEXT>
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<P ALIGN=CENTER><FONT SIZE=5><B>SECURITIES AND EXCHANGE COMMISSION<BR>
</B></FONT><FONT SIZE=3><B>Washington, D.C. 20549</B></FONT></P>

<P ALIGN=CENTER><FONT SIZE=5><B>SCHEDULE 14A INFORMATION</B></FONT></P>

<div ALIGN=CENTER><FONT SIZE=2><B>Proxy Statement Pursuant to Section&nbsp;14(a) of the
Securities Exchange Act of 1934<BR>
(Amendment No. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;)</B></FONT></div>

<div><FONT SIZE=2>Filed by the
Registrant&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT FACE=WINGDINGS>x</FONT></FONT></div>

<div><FONT SIZE=2>Filed by a Party other than
the Registrant&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT FACE=WINGDINGS>o</FONT></FONT></div>

<P><FONT SIZE=2>Check the appropriate box: </FONT></P>

<TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
 <TR STYLE="FONT-SIZE:1PX">
 <TD WIDTH="4%" VALIGN=TOP>
 <P>&nbsp;</P>
 </TD>
 <TD WIDTH="96%" VALIGN=TOP>
 <P>&nbsp;</P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP>
 <P><FONT SIZE=2 FACE=WINGDINGS>x</FONT></P>
 </TD>
 <TD VALIGN=TOP>
 <P><FONT SIZE=2>Preliminary Proxy
 Statement </FONT></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP>
 <P><FONT SIZE=2 FACE=WINGDINGS>o</FONT></P>
 </TD>
 <TD VALIGN=TOP>
 <P><FONT SIZE=2>Confidential, for Use of
 the Commission Only (as permitted by Rule 14a-6(e)(2)) </FONT></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP>
 <P><FONT SIZE=2 FACE=WINGDINGS>o</FONT></P>
 </TD>
 <TD VALIGN=TOP>
 <P><FONT SIZE=2>Definitive Proxy Statement
 </FONT></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP>
 <P><FONT SIZE=2 FACE=WINGDINGS>o</FONT></P>
 </TD>
 <TD VALIGN=TOP>
 <P><FONT SIZE=2>Definitive Additional
 Materials </FONT></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP>
 <P><FONT SIZE=2 FACE=WINGDINGS>o</FONT></P>
 </TD>
 <TD VALIGN=TOP>
 <P><FONT SIZE=2>Soliciting Material
 Pursuant to Sec. 240.14a-12 </FONT></P>
 </TD>
 </TR>
</TABLE>
<BR>

<TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
 <TR STYLE="FONT-SIZE:1PX">
 <TD WIDTH="100%" VALIGN=TOP>
 <P>&nbsp;</P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP>
 <P ALIGN=CENTER><FONT SIZE=2><B>FIRST HORIZON NATIONAL CORPORATION</B></FONT></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP>
 <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 </TR>
 <TR STYLE="FONT-SIZE:1 PX">
 <TD VALIGN=TOP STYLE="BORDER-BOTTOM:SOLID BLACK 1PX">&nbsp;

 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP>
 <P ALIGN=CENTER><FONT SIZE=2>(Name
 of Registrant as Specified in Its Charter)</FONT></P>
 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP>
 <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 </TR>
 <TR STYLE="FONT-SIZE:1 PX">
 <TD VALIGN=TOP STYLE="BORDER-BOTTOM:SOLID BLACK 1PX">&nbsp;

 </TD>
 </TR>
 <TR>
 <TD VALIGN=TOP>
 <P ALIGN=CENTER><FONT SIZE=2>(Name
 of Person(s) Filing Proxy Statement, if other than the Registrant)</FONT></P>
 </TD>
 </TR>
</TABLE>

<BR>



<TABLE BORDER="0" CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%">
 <TR>
 <TD COLSPAN="2" STYLE="vertical-align: top"><P><FONT SIZE=2>Payment of Filing Fee (Check the appropriate box): </FONT></P>

</TD>
 </TR>
 <TR>
 <TD STYLE="vertical-align: top; width: 4%">
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD STYLE="vertical-align: top; width: 96%">
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 </TR>
 <TR>
 <TD STYLE="vertical-align: top">
 <P><FONT SIZE=2 FACE=WINGDINGS>x</FONT></P>
 </TD>
 <TD STYLE="vertical-align: top">
 <P><FONT SIZE=2>No fee required. </FONT></P>
 </TD>
 </TR>
 <TR>
 <TD STYLE="vertical-align: top">
 <P><FONT SIZE=2 FACE=WINGDINGS>o</FONT></P>
 </TD>
 <TD STYLE="vertical-align: top">
 <P><FONT SIZE=2>Fee computed on table
 below per Exchange Act Rules 14a-6(i)(1) and 0-11. </FONT></P>
 </TD>
 </TR>
 <TR>
 <TD STYLE="vertical-align: top">
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD STYLE="vertical-align: top">
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 </TR>
 <TR>
 <TD STYLE="vertical-align: top">
 <P><FONT SIZE=2>1)</FONT></P>
 </TD>
 <TD STYLE="vertical-align: top">
 <P><FONT SIZE=2>Title of each class of
 securities to which transaction applies: </FONT></P>
 </TD>
 </TR>
 <TR>
 <TD STYLE="vertical-align: top">
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD STYLE="vertical-align: top">
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 </TR>
 <TR STYLE="FONT-SIZE:1 PX">
 <TD STYLE="vertical-align: top">
 <P>&nbsp;</P>
 </TD>
 <TD STYLE="border-bottom: BLACK 1px solid; vertical-align: top">&nbsp;

 </TD>
 </TR>
 <TR>
 <TD STYLE="vertical-align: top">
 <P><FONT SIZE=2>2)</FONT></P>
 </TD>
 <TD STYLE="vertical-align: top">
 <P><FONT SIZE=2>Aggregate number of
 securities to which transaction applies: </FONT></P>
 </TD>
 </TR>
 <TR>
 <TD STYLE="vertical-align: top">
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD STYLE="vertical-align: top">
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 </TR>
 <TR STYLE="FONT-SIZE:1 PX">
 <TD STYLE="vertical-align: top">
 <P>&nbsp;</P>
 </TD>
 <TD STYLE="border-bottom: BLACK 1px solid; vertical-align: top">&nbsp;

 </TD>
 </TR>
 <TR>
 <TD STYLE="vertical-align: top">
 <P><FONT SIZE=2>3)</FONT></P>
 </TD>
 <TD STYLE="vertical-align: top">
 <P><FONT SIZE=2>Per unit price or other
 underlying value of transaction computed pursuant to Exchange Act Rule 0-11:*
 </FONT></P>
 </TD>
 </TR>
 <TR>
 <TD STYLE="vertical-align: top">
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD STYLE="vertical-align: top">
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 </TR>
 <TR STYLE="FONT-SIZE:1 PX">
 <TD STYLE="vertical-align: top">
 <P>&nbsp;</P>
 </TD>
 <TD STYLE="border-bottom: BLACK 1px solid; vertical-align: top">&nbsp;

 </TD>
 </TR>
 <TR>
   <TD STYLE="vertical-align: top">
     <P><FONT SIZE=1>&nbsp;</FONT></P>
    </TD>

   <TD STYLE="vertical-align: top">
     <P><FONT SIZE=1>&nbsp;</FONT></P>
    </TD>
 </TR>
<TR>
   <TD STYLE="vertical-align: top">
     <P><FONT SIZE=2>4)</FONT></P>
    </TD>
   <TD NOWRAP STYLE="vertical-align: top">
     <FONT SIZE=2>Proposed maximum aggregate
      value of transaction: </FONT><DIV STYLE="font-size: 1pt; border-top: Black 1px solid; margin-left:210pt"></DIV></TD>
</TR>

</TABLE>




<TABLE BORDER="0" CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%">
<TR>
<TD NOWRAP STYLE="vertical-align: top"><P><FONT STYLE="font-size: x-small"></FONT>
</P>
</TD>

 </TR>
 <TR>
   <TD STYLE="vertical-align: top; width: 4%">
     <P><FONT SIZE=1>&nbsp;</FONT></P>
    </TD>
   <TD STYLE="vertical-align: top; width: 96%">
     <P><FONT SIZE=1>&nbsp;</FONT></P>
    </TD>
 </TR>
 <TR>
   <TD STYLE="vertical-align: top">
     <P><FONT SIZE=2>5)</FONT></P>
    </TD>
   <TD STYLE="vertical-align: top">
    <FONT SIZE=2>Total fee paid: </FONT><DIV STYLE="font-size: 1pt; border-top: Black 1px solid; margin-left:60pt"></DIV>
    </TD>
  </TR>
 <TR>
   <TD STYLE="vertical-align: top">
     <P><FONT SIZE=1>&nbsp;</FONT></P>
    </TD>

   <TD STYLE="vertical-align: top">
     <P><FONT SIZE=1>&nbsp;</FONT></P>
    </TD>
 </TR>
 <TR>
 <TD STYLE="vertical-align: top">
 <P><FONT SIZE=2 FACE=WINGDINGS>o</FONT></P>
 </TD>
 <TD STYLE="vertical-align: top">
 <P><FONT SIZE=2>Fee paid previously with
 preliminary materials. </FONT></P>
 </TD>
 </TR>
 <TR>
 <TD STYLE="vertical-align: top">
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 <TD STYLE="vertical-align: top">
 <P><FONT SIZE=1>&nbsp;</FONT></P>
 </TD>
 </TR>
 <TR>
 <TD STYLE="vertical-align: top">
 <P><FONT SIZE=2 FACE=WINGDINGS>o</FONT></P>
 </TD>
 <TD STYLE="vertical-align: top">
 <P><FONT SIZE=2>Check box if any part of
 the fee is offset as provided by Exchange Act Rule 0-11(a)(2) and identify the
 filing for which the offsetting fee was paid previously. Identify the
 previous filing by registration statement number, or the form or schedule and
 the date of its filing. </FONT></P>
 </TD>
 </TR>
</TABLE>

<BR>

<TABLE BORDER="0" CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%">
 <TR>
   <TD STYLE="vertical-align: top; width: 4%">
     <P><FONT SIZE=2>1)</FONT></P>


    </TD>
   <TD NOWRAP STYLE="vertical-align: top; width: 96%">
     <FONT SIZE=2>Amount previously paid: </FONT><DIV STYLE="font-size: 1pt; border-top: Black 1px solid; margin-left:103pt"></DIV>
    </TD>

 </TR>
 <TR>
   <TD STYLE="vertical-align: top">
     <P><FONT SIZE=1>&nbsp;</FONT></P>
    </TD>
   <TD STYLE="vertical-align: top">
     <P><FONT SIZE=1>&nbsp;</FONT></P>
    </TD>
 </TR>
 <TR>
   <TD STYLE="vertical-align: top">
     <P><FONT SIZE=2>2)</FONT></P>
    </TD>
   <TD NOWRAP STYLE="vertical-align: top">
     <FONT SIZE=2>Form, Schedule or
      Registration Statement No.: </FONT><DIV STYLE="font-size: 1pt; border-top: Black 1px solid; margin-left:190pt"></DIV>
    </TD>

 </TR>
 <TR>
   <TD STYLE="vertical-align: top">
     <P><FONT SIZE=1>&nbsp;</FONT></P>
    </TD>
   <TD STYLE="vertical-align: top">
     <P><FONT SIZE=1>&nbsp;</FONT></P>
    </TD>
 </TR>
 <TR>
   <TD STYLE="vertical-align: top">
     <P><FONT SIZE=2>3)</FONT></P>
    </TD>
   <TD NOWRAP STYLE="vertical-align: top">
     <FONT SIZE=2>Filing Party: </FONT><DIV STYLE="font-size: 1pt; border-top: Black 1px solid; margin-left:52pt"></DIV>
    </TD>



 </TR>
 <TR>
   <TD STYLE="vertical-align: top">
     <P><FONT SIZE=1>&nbsp;</FONT></P>
    </TD>
   <TD STYLE="vertical-align: top">
     <P><FONT SIZE=1>&nbsp;</FONT></P>
    </TD>
 </TR>
 <TR>
   <TD STYLE="vertical-align: top">
     <P><FONT SIZE=2>4)</FONT></P>
    </TD>
   <TD NOWRAP STYLE="vertical-align: top">
     <FONT SIZE=2>Date Filed: </FONT><DIV STYLE="font-size: 1pt; border-top: Black 1px solid; margin-left:48pt"></DIV>
    </TD>

 </TR>
</TABLE>

<BR>

<TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
 <TR STYLE="FONT-SIZE:1PX">
 <TD WIDTH="20%" VALIGN=TOP>
 <P>&nbsp;</P>
 </TD>
 <TD WIDTH="80%" VALIGN=TOP>
 <P>&nbsp;</P>
 </TD>
 </TR>
 <TR STYLE="FONT-SIZE:1 PX">
 <TD VALIGN=TOP STYLE="BORDER-BOTTOM:SOLID BLACK 1PX">&nbsp;

 </TD>
 <TD VALIGN=TOP>
 <P>&nbsp;</P>
 </TD>
 </TR>
 <TR>
 <TD COLSPAN=2 VALIGN=TOP>
 <P><FONT SIZE=1>*Set forth the amount on
 which the filing fee is calculated and state how it was determined.</FONT></P>
 </TD>
 </TR>
</TABLE>

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<P align="center" style="margin:4.2mm 0 0; "><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B><p align="center"><img src="firstxhorizxnat.jpg" style="margin:0 0 0 0; border:   ;"></p></B></FONT></P>
<P style="margin:4.9mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">March 12, 2018</FONT></P>
<P style="margin:6.3mm 0; "><FONT style="font-family:sans-serif; font-size:4.5mm; color:#1496c4; "><B>Dear Fellow Shareholder:</B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">You are cordially invited to attend First Horizon National Corporation&#146;s 2018 annual meeting of shareholders. We will hold the meeting on April&nbsp;24, 2018 at the First Tennessee First Ops Building, 3451&nbsp;Prescott Road, Memphis, Tennessee 38118, at 10:00 a.m. local time.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Our strategic and operating results in 2017 were outstanding. We completed three acquisitions, growing our total assets to $41 billion and becoming the fourth largest regional bank in the Southeast, with over 800,000 customers and nearly 350&nbsp;branches in Tennessee, North Carolina, South Carolina, Florida, Mississippi,
  Georgia, Texas and Virginia. Loan and deposit growth was exceptional across First Tennessee, and we retained our No. 1 deposit market share in Tennessee and continued to grow organically in our other markets. First Horizon continued to receive recognition as a great banking organization and a great place to
  work. Highlights include:</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Ranked by American Banker as No. 5 among the Top 10 Most Reputable U.S. Banks.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Completed the acquisition of Capital Bank, a $10 billion banking organization with over 150&nbsp;branches in four states.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Completed the acquisition of Coastal Securities, a national leader in the trading, securitization and analysis of Small Business Administration loans, and of Profession Mortgage Company, a leading provider of institutional debt capital and commercial mortgage loan servicing.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Annual common dividend rate increased 29% to 36 cents per share in 2017 and increased again early in 2018 by 33% to 48 cents per share.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Consolidated revenue increased by 17% and net interest income was up 24% compared with 2016.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Regional banking pre-tax income was up 36% compared with 2016.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Regional banking average loans and average deposits grew 13% and 11% compared with 2016.</FONT></P>
    </TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">As we mark our 154th year, our Firstpower culture, with its emphasis on Accountability, Adaptability, Integrity and Relationships, continues to help us meet the challenges that we face. The strength of our culture and the quality of our people were reaffirmed with top-employer recognition from Fortune, American Banker,
  Working Mother, the National Association for Female Executives, the Human Rights Campaign, the Dave Thomas Foundation for Adoption, and the Profiles in Diversity Journal. As a result of the recently passed tax reform bill and in recognition of the outstanding performance of our employees, we were happy to award
  $1,000 bonuses to approximately 70% of our employees at the end of 2017 and increase the minimum pay level of our employees to $15 an hour early in 2018.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">First Horizon strives to make a positive difference in the communities we serve through the First Tennessee Foundation and the First Tennessee Community Development Fund. Together the Foundation and the Community Development Fund invested nearly $11 million in our communities in 2017 alone. Through our
  partnership with financial literacy organization Operation HOPE, our Education &amp; Empowerment Program provides financial education to youth, adults and small businesses to improve financial health in the communities we serve. More than 8,000 participants have received free financial empowerment education and one-on-one
  credit counseling through our 13 HOPE Inside locations.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Accompanying this letter are the formal notice of the annual meeting, our 2018 proxy statement and our annual report to shareholders, which contains detailed financial information relating to our activities and operating performance during 2017. Though it is being delivered to you with our proxy statement, the annual report
  to shareholders is not &#147;soliciting material&#148; under SEC Regulation 14A.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">At the meeting, we will ask you to elect twelve directors; to vote on technical amendments to modernize the Company&#146;s Restated Charter; to vote on an advisory resolution to approve executive compensation (&#147;say on pay&#148;); and to ratify the appointment of KPMG LLP as our independent auditors for 2018. The
  accompanying proxy statement contains information about these matters.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Your vote is important. You may vote your proxy by telephone, over the internet or, if you received a paper proxy card by mail, you may also vote by signing, dating, and returning the proxy card by mail (as directed on the proxy card). Even if you plan to attend the meeting, please vote your proxy by telephone or over the
  internet or return your proxy card as soon as possible.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Thank you for your continued support of First Horizon, and I look forward to seeing you at the annual meeting.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><p align="right"><img src="dxbryanxjordan.jpg" style="margin:0 0 0 0; border:   ;"></p></FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">D. Bryan Jordan<br>Chairman of the Board,<br>President and Chief Executive Officer</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>

<PAGE>

<P align="center" style="margin:4.2mm 0 6.3mm; "><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B>N</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>OTICE</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> </B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>OF</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> A</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>NNUAL</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> S</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>HAREHOLDERS</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B>&#146; M</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>EETING</B></FONT></P>
<P align="center" style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.2mm; color:#1496c4; "><B>A</B></FONT><FONT style="font-family:sans-serif; font-size:3.7mm; color:#1496c4; "><B>PRIL</B></FONT><FONT style="font-family:sans-serif; font-size:5.2mm; color:#1496c4; "><B> 24, 2018 <font style="word-spacing: -0.25pc;">&nbsp;</font></B></FONT></P>
<P align="center" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.2mm; color:#1496c4; "><B>10:00 </B></FONT><FONT style="font-family:sans-serif; font-size:3.7mm; color:#1496c4; "><B>A</B></FONT><FONT style="font-family:sans-serif; font-size:5.2mm; color:#1496c4; "><B>.</B></FONT><FONT style="font-family:sans-serif; font-size:3.7mm; color:#1496c4; "><B>M</B></FONT><FONT style="font-family:sans-serif; font-size:5.2mm; color:#1496c4; "><B>. C</B></FONT><FONT style="font-family:sans-serif; font-size:3.7mm; color:#1496c4; "><B>ENTRAL</B></FONT><FONT style="font-family:sans-serif; font-size:5.2mm; color:#1496c4; "><B> T</B></FONT><FONT style="font-family:sans-serif; font-size:3.7mm; color:#1496c4; "><B>IME</B></FONT><FONT style="font-family:sans-serif; font-size:5.2mm; color:#1496c4; "><B> <font style="word-spacing: -0.25pc;">&nbsp;</font></B></FONT></P>
<P style="margin-top:5.6mm; font-size:0; margin-bottom:3.1mm; margin-top:3.1mm; margin-left:30%; margin-right:30%; border-top:0.50pt solid ;">&nbsp;</P>
<P style="margin:3.2mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>The annual meeting of the holders of First Horizon National Corporation&#146;s common stock will be held on April 24, 2018, at 10:00 a.m. local time at the First Tennessee First Ops Building, 3451&nbsp;Prescott Road, Memphis, Tennessee 38118.</B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The items of business are:</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:20.04pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      1.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Election of twelve directors to serve until the 2019 annual meeting of shareholders and until their successors are duly elected and qualified.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:20.04pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      2.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Vote on technical amendments to modernize the Company&#146;s Restated Charter.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:20.04pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      3.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Vote on an advisory resolution to approve executive compensation (&#147;say on pay&#148;).</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:20.04pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Ratification of the appointment of auditors.</FONT></P>
    </TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">These items are described more fully in the following pages, which are made a part of this notice. The close of business on February 23, 2018 is the record date for the meeting. All holders of record of First Horizon&#146;s common stock as of that time are entitled to vote at the meeting. The holders of First Horizon&#146;s
  depositary shares, each representing a 1/4000th interest in a share of non-cumulative perpetual preferred stock, Series A, issued by First Horizon on January 31, 2013, are not entitled to vote at the meeting, but are entitled under the Tennessee Business Corporation Act to receive this notice of the meeting (which
  states that one of the purposes of the meeting is to consider the proposed amendments to the Restated Charter) and a copy or summary of the proposed amendments.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Management requests that you vote your proxy by telephone or over the internet or that you sign and return the form of proxy promptly, as applicable, so that if you are unable to attend the meeting your shares can nevertheless be voted. You may revoke a proxy at any time before it is exercised at the annual
  meeting in the manner described on page 5 of the proxy statement.</FONT></P>
<P align="right" style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><p align="right"><img src="clydexbillingsxsig.jpg" style="margin:0 0 0 0; border:   ;"></p></FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">C</FONT><FONT style="font-family:sans-serif; font-size:2.6mm; ">LYDE</FONT><FONT style="font-family:sans-serif; font-size:3.6mm; "> A. B</FONT><FONT style="font-family:sans-serif; font-size:2.6mm; ">ILLINGS</FONT><FONT style="font-family:sans-serif; font-size:3.6mm; ">, J</FONT><FONT style="font-family:sans-serif; font-size:2.6mm; ">R</FONT><FONT style="font-family:sans-serif; font-size:3.6mm; ">.<br>Senior Vice President, Assistant General Counsel<br>and Corporate Secretary</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Memphis, Tennessee<br>March 12, 2018</FONT></P>
<P style="margin:4.2mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.8mm; "><DIV style="border:solid 1pt black; margin-bottom:-6pt;"></FONT></P>
<P align="center" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>IMPORTANT NOTICE</B></FONT></P>
<P style="margin:5.6mm 3.5mm 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Please (1) vote your proxy by telephone (2) vote your proxy over the internet or (3) mark, date, sign and promptly mail the form of proxy, as applicable, so that your shares will be represented at the meeting.</B></FONT></P>
<P style="margin:5.6mm 3.5mm 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>If you hold your shares in street name, it is critical that you instruct your broker or bank how to vote if you want your vote to count in the election of directors, the amendments to the Restated Charter, and the advisory resolution to approve executive compensation (Vote Item Nos. 1, 2 and
  3 of this proxy statement). Under current regulations, if you hold your shares in street name and you do not instruct your broker or bank how to vote in these matters, no votes will be cast on your behalf with respect to these matters. For additional information, see page 6 of the proxy
  statement.</B></FONT></P>
<P style="margin:2.1mm 3.5mm 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B></div></B></FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>

<PAGE>

<P style="margin:4.2mm 0 0; "><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B>P</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>ROXY</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> S</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>TATEMENT</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> </B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>FOR</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> 2018 F</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>IRST</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> H</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>ORIZON</B></FONT>
<font style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> N</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>ATIONAL</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> C</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>ORPORATION</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> A</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>NNUAL</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> M</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>EETING</B></FONT><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B><br>Table of Contents</B></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="bottom">
    <TD style="width:42.96%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:4.19%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD align="center">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center" style="border-bottom:solid .27mm Black; ">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>Page</B></FONT></P></TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.8mm; "><a href=#c90447_proxy1><B>Proxy Summary </B></a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">1</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.8mm; "><a href=#c90447_annual1><B>2018 Annual Meeting &amp; Proxy Statement&#151;General Matters</B></a></FONT><FONT style="font-family:sans-serif; font-size:3.1mm; "></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">4</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.8mm; "><B><a href=#c90447_corporate1>Corporate Governance &amp; Board Matters</a></B></FONT><FONT style="font-family:sans-serif; font-size:3.1mm; "></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">8</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 5.6mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_corporate2>Corporate Governance Highlights</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">8</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 5.6mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_key1>Key Corporate Governance Documents</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">9</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 5.6mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_director1>Director Resignation Policy</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">9</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 5.6mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_independence1>Independence &amp; Categorical Standards</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">10</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 5.6mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_board1>Board Leadership Structure &amp; Role in Risk Oversight</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">12</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 5.6mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_board2>Board Committees</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">15</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 8.4mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_committee1><I>Committee Charters &amp; Committee Composition</I></a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">15</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 8.4mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_the2><I>The Audit Committee</I></a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">15</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 11.2mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_overview1>Overview</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">15</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 11.2mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_audit1>Audit Committee Financial Expert</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">16</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 11.2mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_audit2>Audit Committee Report</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">16</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 8.4mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_the3><I>The Compensation Committee</I></a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">18</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 11.2mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_general1>In General</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">18</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 11.2mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_processes1>Processes &amp; Procedures Regarding Executive &amp; Director Compensation</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">18</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 11.2mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_compensation1>Compensation Risk</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">20</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 11.2mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_compensation2>Compensation Committee Report</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">21</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 8.4mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_the1><I>The Executive &amp; Risk Committee</I></a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">21</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 8.4mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_the5><I>The Information Technology Committee </I></a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">21</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 8.4mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_the4><I>The Nominating &amp; Corporate Governance Committee</I></a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">21</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 11.2mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_general2>In General</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">21</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 11.2mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_nominations1>Nominations of Directors; Consideration of Diversity in Identifying Director Nominees</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">22</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 11.2mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_shareholder1>Shareholder Recommendations of Director Nominees</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">22</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 5.6mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_compensation3>Compensation Committee Interlocks &amp; Insider Participation</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">23</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 5.6mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_board3>Board &amp; Committee Meeting Attendance</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">23</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 5.6mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_executive1>Executive Sessions of the Board</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">23</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 5.6mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_communication1>Communication with the Board of Directors</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">23</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 5.6mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_approval1>Approval, Monitoring, &amp; Ratification Procedures for Related Party Transactions</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">24</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 5.6mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_transactions1>Transactions with Related Persons</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">24</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.8mm; "><a href=#c90447_stock1><B>Stock Ownership Information</B></a></FONT><FONT style="font-family:sans-serif; font-size:3.1mm; "></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">25</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 5.6mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_security1>Security Ownership of Certain Beneficial Owners</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">25</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 5.6mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_security2>Security Ownership of Management</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">26</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.8mm; "><a href=#c90447_vote1><B>Vote Item No. 1&#151;Election of Directors</B></a></FONT><FONT style="font-family:sans-serif; font-size:3.1mm; "></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">27</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.8mm; "><a href=#c90447_vote2><B>Vote Item No. 2&#151;Amendments to Modernize the Company&#146;s Restated Charter</B></a></FONT><FONT style="font-family:sans-serif; font-size:3.1mm; "></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">36</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.8mm; "><a href=#c90447_vote3><B>Vote Item No. 3&#151;Advisory Resolution to Approve Executive Compensation</B></a></FONT><FONT style="font-family:sans-serif; font-size:3.1mm; "></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">38</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.8mm; "><a href=#c90447_vote4><B>Vote Item No. 4&#151;Ratification of Appointment of Auditors</B></a></FONT><FONT style="font-family:sans-serif; font-size:3.1mm; "></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">40</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.8mm; "><a href=#c90447_other1><B>Other Matters</B></a></FONT><FONT style="font-family:sans-serif; font-size:3.1mm; "></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">42</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.8mm; "><a href=#c90447_shareholder2><B>Shareholder Proposal &amp; Nomination Deadlines</B></a></FONT><FONT style="font-family:sans-serif; font-size:3.1mm; "></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">42</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.8mm; "><a href=#c90447_compensation4><B>Compensation Discussion &amp; Analysis</B></a></FONT><FONT style="font-family:sans-serif; font-size:3.1mm; "></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">43</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 5.6mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_executive2>CD&amp;A Executive Highlights</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">43</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 8.4mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_corporate3><I>2017 Financial &amp; Strategic Overview</I></a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">43</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 8.4mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_industry1><I>2017 Industry Operating Environment</I></a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">44</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 8.4mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_first1><I>First Horizon Transformation Since 2007</I></a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">44</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 8.4mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_alignment1><I>Alignment of Pay with Performance</I></a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">46</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 8.4mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_pay2><I>CEO Pay &amp; Performance</I></a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">46</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 8.4mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_alignment2><I>Alignment with Governance Principles</I></a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">49</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 8.4mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_overview2><I>Overview of Direct Compensation Components</I></a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">49</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 5.6mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_compensation5>Compensation Practices &amp; Philosophies</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">50</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 8.4mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_retention1><I>Retention &amp; Competition</I></a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">50</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 8.4mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_use1><I>Use of Peer Bank Data</I></a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">50</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 8.4mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_impact1><I>Impact of Shareholder Vote on Compensation</I></a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">51</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 8.4mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_stock2><I>Stock Ownership Guidelines</I></a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">52</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 8.4mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_clawback1><I>Clawback Policy &amp; Practices</I></a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">52</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 8.4mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_use2><I>Use of Compensation Consultants</I></a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">52</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 8.4mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_role1><I>Role of Management in Compensation Decisions</I></a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">52</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 8.4mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_tax1><I>Tax Deductibility</I></a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">53</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 5.6mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_direct1>Direct Compensation Components for NEOs</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">53</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 8.4mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_relative1><I>Relative Sizing &amp; Mix</I></a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">53</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 8.4mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_salary1><I>Salary</I></a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">55</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 8.4mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_annual2><I>Annual MIP Bonus</I></a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">55</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 8.4mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_stock3><I>Stock Awards</I></a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">59</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 8.4mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_ceo1><I>CEO Multi-Year Cash Bonus</I></a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">62</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 5.6mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_post1>Deferral, Retirement, and Other Benefits</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">63</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 8.4mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_savings1><I>Benefits Other than Change in Control</I></a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">63</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 8.4mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_change1><I>Change in Control (CIC) Benefits</I></a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">65</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 5.6mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_compensation6>Compensation Committee Report</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">65</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.8mm; "><a href=#c90447_recent1><B>Recent Compensation</B></a></FONT><FONT style="font-family:sans-serif; font-size:3.1mm; "></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">66</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 5.6mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_direct11>2017 Direct Compensation Actually Paid</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">66</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 8.4mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_summary2><I>Summary Compensation Table</I></a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">67</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 8.4mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_grants1><I>2017 Grants of Plan-Based Awards</I></a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">69</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 8.4mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_supplemental1><I>Supplemental Disclosures for Summary Compensation and Grant Tables</I></a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">71</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 5.6mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_outstanding1>Outstanding Equity Awards at Fiscal Year-End</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">72</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 5.6mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_options1>Options Exercised &amp; Stock Vested</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">74</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.8mm; "><a href=#c90447_post2><B>Post-Employment Compensation</B></a></FONT><FONT style="font-family:sans-serif; font-size:3.1mm; "></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">75</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 5.6mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_overview3>Overview &amp; Common Terms</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">75</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 5.6mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_pension2>Pension Plans</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">75</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 5.6mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_non1>Non-Qualified Deferred Compensation Plans</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">76</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 5.6mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_employment1>Employment &amp; Termination Arrangements</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">77</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 8.4mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_termination1><I>Termination Unrelated to Change in Control</I></a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">77</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 8.4mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_change2><I>Change in Control (CIC) Arrangements</I></a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">78</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.8mm; "><a href=#c90447_director2><B>Director Compensation</B></a></FONT><FONT style="font-family:sans-serif; font-size:3.1mm; "></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">80</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 5.6mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_non2>Non-Employee Director Compensation Programs</a> <font style="word-spacing: -0.29pc;">&nbsp;</font></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">80</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 5.6mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_non3>Director Compensation Table</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">81</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
</TABLE>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="bottom">
    <TD style="width:42.96%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:4.19%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD align="center">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center" style="border-bottom:solid .27mm Black; ">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>Page</B></FONT></P></TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 5.6mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_outstanding2>Outstanding Director Equity Awards at Year-End</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">82</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 5.6mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_doe2>Director Options Exercised &amp; Stock Vested</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">84</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.8mm; "><a href=#c90447_legal1><B>Legal Matters</B></a></FONT><FONT style="font-family:sans-serif; font-size:3.1mm; "></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">85</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 5.6mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_section1a>Section 16(a) Beneficial Ownership Reporting Compliance</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">85</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 5.6mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_availability1>Availability of Annual Report on Form&nbsp;10-K</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">85</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 5.6mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_other2>Other Legal Disclosures</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">85</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.8mm; "><B>APPENDIX</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_appendix1>A&#151;Audit Committee Charter</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">A-1</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_appendix2>B&#151;Sections of Restated Charter Proposed to Be Amended</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">B-1</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><a href=#c90447_appendix3>C&#151;Reconciliation of Non-GAAP to GAAP Financial Information</a></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right">
    <P style="text-indent:-2.1mm; margin:0 0 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">C-1</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
</TABLE>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>

<PAGE>

<DIV style="padding:2pt; border:1pt solid ;">
<DIV style="width:97%; margin-top:1.5%; margin-right:-1.5%; margin-left:1.5%; margin-bottom:1.5%">
<P style="margin:6.3mm 0; "><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><a name=c90447_proxy1><B>P</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>ROXY</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> S</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>UMMARY</B></a></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><I>Please read the entire proxy statement before voting. This summary highlights information contained elsewhere in this proxy statement and does not contain all of the information that you should consider. Page references are supplied to help you find further information in the proxy statement.</I></FONT></P>
<P style="margin:10.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B>The Annual Meeting</B></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:48.68%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:48.68%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Time and Date:</B></FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      10:00 a.m. local time, April 24, 2018</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Place:</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      First Tennessee First Ops Building, 3451 Prescott Road, Memphis, Tennessee 38118</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Record Date:</B></FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      February 23, 2018</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Common Shares Outstanding and Entitled to Vote on Record Date:</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      ________________</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Internet Availability:</B></FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      First Horizon uses the SEC&#146;s &#147;notice and access&#148; rule. Notice of internet availability of proxy materials will be sent on or about March 12, 2018.</FONT></P></TD>
  </TR>
</TABLE>
<P style="margin:10.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B>Vote Items</B></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:13.16%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:39.47%;" valign="bottom"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:21.05%;" align="center"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:18.42%;" align="center"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="center"><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Matter</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Board<br>Recommendation</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Page<br>Reference</B></FONT></P></TD>
  </TR>
  <TR valign="top" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      <B>Vote Item 1</B></FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD valign="bottom" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Election of directors. </B>We are asking you to elect the 12 nominees named in this proxy statement as directors for a one-year term. Each of our current directors is standing for re-election.</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      FOR each director
      nominee</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      27</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Vote Item 2</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD valign="bottom"><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Amendments to modernize our Restated Charter.</B> We are asking you to approve several technical amendments to modernize and streamline our Restated Charter.</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      FOR</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      36</FONT></P></TD>
  </TR>
  <TR valign="top" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      <B>Vote Item 3</B></FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD valign="bottom" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Advisory resolution on executive compensation.</B> In accordance with SEC rules, we are asking you to approve, on an advisory basis, the compensation of our named executive officers as disclosed in this proxy statement.</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      FOR</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      38</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Vote Item 4</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD valign="bottom"><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Ratification of appointment of auditors.</B> We are asking you to ratify the appointment of KPMG LLP as our auditors for 2018.</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      FOR</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      40</FONT></P></TD>
  </TR>
</TABLE>
</DIV>
</DIV>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">1</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="padding:2pt; border:1pt solid ;">
<DIV style="width:97%; margin-top:1.5%; margin-right:-1.5%; margin-left:1.5%; margin-bottom:1.5%">
<P style="margin:8.4mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B>2017 Performance Highlights</B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Our strategic and operating results in 2017 were outstanding. Compared to 2016, we achieved</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:31.58%;" align="center"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:31.58%;" align="center"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:31.58%;" align="center"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:8.7mm; color:#1496c4; ">
      36%</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:8.7mm; color:#1496c4; ">
      17%</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:8.7mm; color:#1496c4; ">
      24%</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      growth in<br>regional bank pre-tax income</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      growth in<br>consolidated revenue</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      growth in<br>net interest income</FONT></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">More detailed discussion of our financial performance can be found on pages 43 to 45 of the Compensation Discussion and Analysis section of this proxy statement. In addition, we completed three strategic acquisitions, growing our total assets to $41 billion and becoming the fourth largest regional bank in the
  Southeast, with over 800,000 customers and 350 branches in Tennessee, North Carolina, South&nbsp;Carolina, Florida, Mississippi, Georgia, Texas and Virginia.</FONT></P>
<P align="center" style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>Acquisitions Closed in 2017</B></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:4.39%; margin-right:4.39%; width:91.22%;" >
  <TR valign="top">
    <TD style="width:28.65%;" align="center" style="background:#d1eaf3; "><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%;" align="center"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:28.65%;" align="center" style="background:#d1eaf3; "><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%;" align="center"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:28.65%;" align="center" style="background:#d1eaf3; "><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD align="center"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD align="center"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="top">
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      C</B></FONT><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>APITAL</B></FONT><FONT style="font-family:sans-serif; font-size:3.6mm; "><B> B</B></FONT><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>ANK</B></FONT></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD align="center"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      C</B></FONT><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>OASTAL</B></FONT><FONT style="font-family:sans-serif; font-size:3.6mm; "><B> S</B></FONT><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>ECURITIES</B></FONT></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD align="center"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      P</B></FONT><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>ROFESSIONAL</B></FONT><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><br>M</B></FONT><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>ORTGAGE</B></FONT><FONT style="font-family:sans-serif; font-size:3.6mm; "><B> C</B></FONT><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>OMPANY</B></FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>
      November 30, 2017</I></B></FONT></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD align="center"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>
      April 3, 2017</I></B></FONT></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD align="center"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>
      October 2, 2017</I></B></FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      $10 billion banking<br><font style="word-spacing: -0.17pc;">&nbsp;</font>organization with over 150 <font style="word-spacing: -0.17pc;">&nbsp;</font><br>branches in four<br>Southeastern U.S. states</B></FONT></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD align="center"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      National leader in the<br>trading, securitization, and<br><font style="word-spacing: -0.17pc;">&nbsp;</font>analysis of Small Business <font style="word-spacing: -0.17pc;">&nbsp;</font><br>Administration loans</B></FONT></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD align="center"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Leading provider of<br>institutional debt<br>capital and commercial<br>mortgage loan<br>servicing</B></FONT></P></TD>
  </TR>
</TABLE>
<P style="margin:10.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B>Compensation Highlights (detailed discussion begins on page 43)</B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Our compensation policies and practices are designed to align the interests of our employees with the interests of our shareholders. We seek to attract, retain, incent, and reward individuals who contribute to our long-term success. We strive to link pay to Company performance for all executive officers, including our
  CEO. Our compensation practices embrace many best practice corporate governance principles.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">D. Bryan Jordan, our CEO, was
recruited as CFO in 2007 and promoted to CEO in September 2008. He has led the restructuring of the company, the development
and implementation of new strategies, and the recruitment of the current management team. He has emphasized improving
economic profit and   controlling costs. Our operating results have improved significantly during his tenure. The
Compensation Committee considered his significant contributions in turning around the company when making decisions about his
pay for 2017. In each of the past three years, Mr. Jordan has met or exceeded his personal goals.   He provides consistent,
critical leadership in dynamic times. Mr. Jordan&#146;s regular annual target-level pay continues to be below the median of
FHN&#146;s peer group. His pay mix&#151;the structure of the various components of his pay&#151;is in line with company
peers. The Committee believes that Mr. Jordan&#146;s leadership is known   throughout the industry. He is a director or
executive committee member of the Federal Reserve Bank of St. Louis, American Bankers Association, Mid-Size Bank Coalition of
America, Tennessee Bankers Association, and Operation HOPE (which strives to provide banking services to financially or
socially disadvantaged persons). In 2016 he was named CEO of the year by <I>Inside Memphis Business</I>, and was featured as
a top-ten CEO in <I>American Banker</I>. These associations and recognitions reflect well on our company and enhance Mr.
Jordan&#146;s connections to the financial services community. Mr. Jordan&#146;s direct   compensation actually paid or
earned during or in relation to 2017 (consisting of salary, bonus paid, and stock awards vested) was approximately $10.7
million. See page 66 for details.</FONT></P>
</DIV>
</DIV>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">2</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="padding:2pt; border:1pt solid ;">
<DIV style="width:97%; margin-top:1.5%; margin-right:-1.5%; margin-left:1.5%; margin-bottom:1.5%">
<P style="margin:2.1mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">Our executive compensation practices embrace many best practice corporate governance principles.</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:48.68%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:48.68%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Compensation Practices We Employ</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Practices We Avoid or Prohibit</B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="3" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:2.63%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:46.54%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:46.54%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      </FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      <font face="Wingdings 2">&#80;</font></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Performance-based (at-risk) and stock-based pay emphasized</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; color:#1496c4; ">
      </FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      <font face="Wingdings">&#251;</font></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Tax gross-up features*</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      </FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      <font face="Wingdings 2">&#80;</font></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Performance measures drive shareholder value</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; color:#1496c4; ">
      </FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      <font face="Wingdings">&#251;</font></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Stock option repricings</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      </FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      <font face="Wingdings 2">&#80;</font></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Performance measures emphasize controllable outcomes</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; color:#1496c4; ">
      </FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      <font face="Wingdings">&#251;</font></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Discount-priced stock options</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      </FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      <font face="Wingdings 2">&#80;</font></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Committee use of independent consultant on pay</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; color:#1496c4; ">
      </FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      <font face="Wingdings">&#251;</font></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Single-trigger change in control payouts</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      </FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      <font face="Wingdings 2">&#80;</font></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Meaningful share ownership requirements</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; color:#1496c4; ">
      </FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      <font face="Wingdings">&#251;</font></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Employment agreements</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      </FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      <font face="Wingdings 2">&#80;</font></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Require holding 50% of after-tax vested stock awards during career with the company, rising to 75% if multiple-of-salary minimum stock ownership levels are
      not met</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; color:#1496c4; ">
      </FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      <font face="Wingdings">&#251;</font></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Hedging transactions in First Horizon stock (<I>e.g.</I>, trading derivatives, taking short positions, or hedging long positions)</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      </FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      <font face="Wingdings 2">&#80;</font></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Double-trigger on change in control features and agreements (CIC event plus qualifying termination)</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; color:#1496c4; ">
      </FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      <font face="Wingdings">&#251;</font></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Personal use of corporate aircraft**</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      </FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      <font face="Wingdings 2">&#80;</font></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Clawbacks if financial results relevant to cash or stock performance awards are restated under various circumstances</FONT></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="17" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:9pt;" align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      *</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      An excise tax gross-up feature is grandfathered in certain older change-in-control severance agreements, but has not been used in new agreements since 2008.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:9pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      **</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      The CEO&#146;s spouse is permitted to accompany the CEO on business flights.</FONT></P>
    </TD>
  </TR>
</TABLE>
<P style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B>Governance Highlights (a detailed discussion begins on page 8)</B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">First Horizon is dedicated to operating in accordance with sound corporate governance principles. We believe that these principles not only form the basis for our reputation of integrity in the marketplace but also are essential to our efficiency and overall success. Some of our corporate governance principles, policies
  and practices are listed below.</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:80.04pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      <font face="Wingdings 2">&#80;</font></FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Annual director elections</B></FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:80.04pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      <font face="Wingdings 2">&#80;</font></FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Majority voting</B></FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:80.04pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      <font face="Wingdings 2">&#80;</font></FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Independent Lead Director</B></FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:80.04pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      <font face="Wingdings 2">&#80;</font></FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      All non-employee directors (10 of 12 directors) are independent</B></FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:80.04pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      <font face="Wingdings 2">&#80;</font></FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Board refreshment: 5 new directors in the last 6 years</B></FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:80.04pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      <font face="Wingdings 2">&#80;</font></FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Clawback policy</B></FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:80.04pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      <font face="Wingdings 2">&#80;</font></FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Stock ownership guidelines for directors and executives</B></FONT></P></TD>
  </TR>
</TABLE>
<P align="center" style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.2mm; color:#1496c4; "><B>***Ranked by American Banker as No. 5<br>among the Top 10 Most Reputable U.S. Banks***<br>***Member, 2018 Bloomberg Gender-Equality Index***<br>***Top 50 Companies for Executive Women***<br>***Top Employer Recognition from Fortune, American Banker,<br>Working Mother, Profiles in Diversity Journal, the Dave Thomas<br>Foundation for Adoption and the Human Rights Campaign***</B></FONT></P>
</DIV>
</DIV>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">3</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>

<PAGE>

<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>2018 ANNUAL MEETING &amp; PROXY STATEMENT&#151;GENERAL MATTERS</B></FONT></P>
</DIV>
<P style="margin:4.2mm 0 6.3mm; "><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B><a name=c90447_annual1>2018 A</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>NNUAL</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> M</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>EETING</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> </B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>&amp;</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> P</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>ROXY</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> S</B></FONT>
<font style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>TATEMENT&#151;</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B>G</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>ENERAL</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> M</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>ATTERS</a></B></FONT></P>
<P style="margin:10.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B>Purpose of the Annual Meeting of Common Shareholders</B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Our Board of Directors is soliciting proxies to be voted at our upcoming annual meeting of the holders of First Horizon&#146;s common stock (and at any adjournment or adjournments of the meeting). At the meeting, our common shareholders will act to elect twelve directors; to vote on technical amendments to modernize
  our Restated Charter; to vote on an advisory resolution to approve executive compensation (&#147;say on pay&#148;); and to ratify the appointment of KPMG LLP as our independent auditors for 2018.</FONT></P>
<P style="margin:10.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B>Date, Time &amp; Place of the Annual Meeting</B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The annual meeting of the holders of our common stock will be held on Tuesday, April 24, 2018 at 10:00 a.m. local time at the First Tennessee First Ops Building, 3451 Prescott Road, Memphis, Tennessee 38118. To obtain additional information or directions to be able to attend the meeting and vote in person,
  contact our Corporate Communications office at 866-365-4313.</FONT></P>
<P style="margin:10.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B>Terms Used in this Proxy Statement</B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">In this proxy statement, First Horizon National Corporation is referred to by the use of &#147;we,&#148; &#147;us&#148; or similar pronouns, or simply as &#147;FHN&#148; or &#147;First Horizon,&#148; and First Horizon and its consolidated subsidiaries are referred to collectively as &#147;the company.&#148; The term &#147;shares&#148; means First Horizon&#146;s common stock, and the
  term &#147;shareholders&#148; means the holders of that common stock, unless otherwise clearly stated. In addition, the notice of the 2018 annual meeting of shareholders, this proxy statement, our annual report to shareholders for the year ended December 31, 2017, and the proxy card are referred to as our &#147;proxy materials.&#148; Though the annual report to shareholders is included in the term &#147;proxy materials,&#148; it is not &#147;soliciting
  material&#148; under SEC Regulation 14A.</FONT></P>
<P style="margin:10.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B>Internet Availability of Proxy Materials</B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Except as noted below, we are again this year using the SEC&#146;s &#147;notice and access&#148; rule, which allows us to furnish our proxy materials over the internet to our shareholders instead of mailing paper copies of those materials to each shareholder. As a result, beginning on or about March 12, 2018, we sent to most of
  our shareholders by mail or e-mail a notice of internet availability of proxy materials, which contains instructions on how to access our proxy materials over the internet and vote online. This notice is not a proxy card and cannot be used to vote your shares. If you received only a notice, you will not receive paper
  copies of the proxy materials unless you request the materials by following the instructions on the notice.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">If you received a paper copy of the notice, we encourage you to help us save money and reduce the environmental impact of delivering paper notices by signing up to receive all of your future proxy materials electronically.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The holders of First Horizon&#146;s depositary shares, each representing a 1/4000th interest in a share of non-cumulative perpetual preferred stock, Series A, issued by First Horizon on January 31, 2013 (the &#147;preferred holders&#148;), are not entitled to vote at the annual meeting, but are entitled under the Tennessee Business
  Corporation Act to receive notice of the meeting (stating that one of the purposes of the meeting is to consider the proposed technical amendments to modernize our </FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">4</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>2018 ANNUAL MEETING &amp; PROXY STATEMENT&#151;GENERAL MATTERS</B></FONT></P>
</DIV>
<P style="margin:2.1mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">Restated Charter) and a copy or summary of the proposed amendments. Therefore, in fulfillment of this requirement, we will be delivering copies of the notice of annual meeting and this proxy statement to the preferred holders beginning on or about March 12, 2018 in accordance with such holders&#146; previously
  expressed delivery preferences.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">If you own shares of common stock in more than one account&#151;for example, in a joint account with your spouse and in your individual brokerage account&#151;you may have received more than one notice. To vote all of your shares, please follow each of the separate voting instructions that you received for your shares of
  common stock held in each of your different accounts.</FONT></P>
<P style="margin:10.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B>Voting by Proxy &amp; Revoking your Proxy</B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The First Horizon Board of Directors is asking you to give us your proxy. Giving us your proxy means that you authorize another person or persons to vote your shares of our common stock at the annual meeting of shareholders in the manner you direct. Giving us your proxy allows your shares to be voted even if
  you do not attend the annual meeting in person. You may revoke your proxy at any time before it is exercised by writing to the Corporate Secretary, by timely delivering a properly executed, later-dated proxy (including by telephone or internet) or by voting by ballot at the meeting. All shares represented by valid
  proxies received pursuant to this solicitation, and not revoked before they are exercised, will be voted in the manner specified on the proxy. <B>If you submit a proxy without giving specific voting instructions, your shares will be voted in accordance with the recommendations of our Board of Directors as
  follows:</B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>FOR:</B></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      1.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Election of twelve directors to serve until the 2019 annual meeting of shareholders and until their successors are duly elected and qualified.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      2.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Vote on technical amendments to modernize the Company&#146;s Restated Charter.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      3.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Approval of an advisory resolution to approve executive compensation (&#147;say on pay&#148;).</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Ratification of the appointment of auditors.</FONT></P>
    </TD>
  </TR>
</TABLE>
<P style="margin:10.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B>Solicitation of Proxies</B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">First Horizon will pay the entire cost of soliciting the proxies. In following up the original solicitation of the proxies, we may request brokers and others to send proxy materials to the beneficial owners of the shares and may reimburse them for their expenses in so doing. If we deem it necessary, we may also use
  several of our employees to solicit proxies from the shareholders, either personally or by telephone, letter or e-mail, for which they will receive no compensation in addition to their normal compensation. We have hired Morrow Sodali LLC, 470 West Ave., Stamford, CT 06902 to aid us in the solicitation of proxies for a fee of $9,000 plus out-of-pocket expenses. An additional charge of $6.50 per holder will be incurred should we choose to have Morrow
  Sodali LLC solicit individual holders of record.</FONT></P>
<P style="margin:10.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B>Quorum &amp; Vote Requirements</B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Except for our depositary shares (each representing a 1/4000th interest in a share of non-cumulative perpetual preferred stock, Series A, issued by First Horizon on January 31, 2013), which have limited voting rights and no right to vote at the annual meeting, our common stock is our only class of voting securities.
  There were ________________ shares of common stock outstanding and entitled to vote as of February 23, 2018, the record date for the annual shareholders&#146; meeting. Each share is entitled to one vote. A quorum of the shares must be represented at the meeting to take action on any matter at the meeting. A majority
  of the votes entitled to be cast constitutes a quorum for purposes of the annual meeting. Both &#147;abstentions&#148; and broker &#147;non-votes&#148; will be considered present for quorum purposes, but will not otherwise have any effect on the vote items.</FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">5</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>2018 ANNUAL MEETING &amp; PROXY STATEMENT&#151;GENERAL MATTERS</B></FONT></P>
</DIV>
<P style="margin:2.1mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">The affirmative vote of a majority of the votes cast is required to elect the nominees as directors, and we have adopted a director resignation policy that requires a director who does not receive the affirmative vote of a majority of the votes cast with respect to his or her election to tender his or her resignation. For
  additional information on our director resignation policy, see the summary of the policy in the &#147;Corporate Governance &amp; Board Matters&#148; section of this proxy statement beginning on page 8. The policy is also contained in our Corporate Governance Guidelines, which are available on our website at www.firsthorizon.com
  (click on &#147;Investor Relations,&#148; then &#147;Corporate Governance,&#148; and then &#147;Governance Documents&#148;).</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The affirmative vote of a majority of the votes cast is required to approve the proposed amendments to our Restated Charter, to approve the advisory resolution on executive compensation and to ratify the appointment of auditors.</FONT></P>
<P style="margin:10.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B>Effect of Not Casting Your Vote</B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Shares Held in Street Name.</B> If you hold your shares in street name it is critical that you instruct your broker or bank how to vote if you want your vote to count in the election of directors, the amendments to our Restated Charter and the advisory resolution to approve executive compensation (Vote Item Nos. 1, 2
  and 3 of this proxy statement). Under current regulations, your broker or bank will not have the ability to vote your uninstructed shares in these matters on a discretionary basis. Thus, if you hold your shares in street name and you do not instruct your broker or bank how to vote, no votes will be cast on your behalf
  with respect to these matters. Your broker or bank will have the ability to vote uninstructed shares on the ratification of the appointment of auditors (Vote Item No. 4).</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Shareholders of Record.</B> If you are a shareholder of record and you do not vote your proxy, no votes will be cast on your behalf on any of the items of business at the annual meeting unless you attend the annual meeting and vote your shares there.</FONT></P>
<P style="margin:10.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B>Duplicate Mailings &amp; Householding</B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Duplicate mailings in most cases are inconvenient for you and an unnecessary expenditure for us. We encourage you to eliminate them whenever you can as described below.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Multiple Accounts.</B> Some of our shareholders own their shares using multiple accounts registered in variations of the same name. If you have multiple accounts, we encourage you to consolidate your accounts by having all your shares registered in exactly the same name and address. You may do this by contacting
  our stock transfer agent, Equiniti Trust Company (EQ), by phone toll-free at 1-877-536-3558, or by mail to Shareowner Services, P.O. Box 64854, St. Paul, MN 55164-0854.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Shares Held in Street Name.</B> If you and other members of your household are beneficial owners of shares, meaning that you own shares indirectly through a broker, bank, or other nominee, you may eliminate any duplication of mailings by contacting your broker, bank, or other nominee. If you have eliminated
  duplicate mailings but for any reason would like to resume them, you must contact your broker, bank, or other nominee.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Shareholders with the Same Address; Requesting Changes. </B>If you are among the shareholders who receive paper copies of our proxy materials, SEC rules allow us to mail a single copy of those materials to all shareholders residing at the same address if certain conditions are met. This practice is referred to as
  &#147;householding.&#148; (Householding does not apply to either the proxy card or the notice of internet availability of proxy materials.) If your household receives only one copy of the proxy materials and if you wish to start receiving separate copies in your name, apart from others in your household, you must request that
  action by contacting our stock transfer agent, EQ, by phone toll-free at 1-877-536-3558 or by writing to it at Shareowner Services, Attn: Householding, P.O. Box 64854, St.&nbsp;Paul, MN 55164-0854. That request must be made by each person in the household who desires a separate copy. Within 30 days after your request is
  received we will start sending you separate mailings. If you and members of your household are receiving multiple copies and you want to eliminate the duplications, please request that action by contacting EQ using </FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">6</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>2018 ANNUAL MEETING &amp; PROXY STATEMENT&#151;GENERAL MATTERS</B></FONT></P>
</DIV>
<P style="margin:2.1mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">the contact information given in this paragraph above. In either case, in your communications, please refer to your account number and our company number (998). Please be aware that if you hold shares both in your own name and as a beneficial owner through a broker, bank or other nominee, it is not possible to
  eliminate duplications as between these two types of ownership. If your household receives only a single copy of the proxy materials, and if you desire your own separate copies for the 2018 annual meeting, you may pick up copies in person at the meeting in April or download them from our website using the website
  address listed in the box below. If you would like additional copies mailed, we will mail them promptly if you request them from our Investor Relations department at our website or by mail to Investor Relations, P.O.&nbsp;Box&nbsp;84, Memphis, TN&nbsp;38101. You may also request that additional copies be mailed by calling our
  Corporate Communications department at 1-866-365-4313. However, we cannot guarantee you will receive mailed copies before the 2018 annual meeting.</FONT></P>
<P style="margin:4.2mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.8mm; "><DIV style="border:solid 1pt black; margin-bottom:-6pt;"></FONT></P>
<P align="center" style="margin:2.8mm 0 0; "><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>Important Notice Regarding the Availability of Proxy Materials<br>for the Shareholder Meeting to Be Held on April 24, 2018.</B></FONT></P>
<P align="center" style="margin:3.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.8mm; "><B>This proxy statement, our proxy card, and our annual report to shareholders are<br>available at http://ir.fhnc.com.</B></FONT></P>
<P align="center" style="margin:3.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.8mm; "><B></div></B></FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">7</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>

<PAGE>

<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>CORPORATE GOVERNANCE &amp; BOARD MATTERS</B></FONT></P>
</DIV>
<P style="margin:4.2mm 0 6.3mm; "><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B><a name=c90447_corporate1></a>C</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>ORPORATE</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> G</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>OVERNANCE</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> </B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>&amp;</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> B</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>OARD</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> M</B></FONT>
<font style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>ATTERS</B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">In accordance with our Bylaws, First Horizon is managed under the direction of and all corporate powers are exercised by or under the authority of our Board of Directors. Our Board of Directors currently has twelve members. All of our directors are also directors of First Tennessee Bank National Association (the &#147;Bank&#148; or
  &#147;FTB&#148;). The Bank is our principal operating subsidiary.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">First Horizon is dedicated to operating in accordance with sound corporate governance principles. We believe that these principles not only form the basis for our reputation of integrity in the marketplace but also are essential to our efficiency and overall success. Some of our corporate governance principles, policies
  and practices are highlighted below.</FONT></P>
<P style="margin:4.2mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.8mm; "><DIV style="border:solid 1pt black; margin-bottom:-6pt;"></FONT></P>
<P align="center" style="margin:3.9mm 0 0; "><FONT style="font-family:sans-serif; font-size:4.5mm; "><B><a name=c90447_corporate2></a>Corporate Governance Highlights</B></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:20.04pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD>
      <P style="margin:0 2mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; "><B>Annual director elections. </B></FONT><FONT style="font-family:sans-serif; font-size:3.6mm; ">All our directors are elected by our shareholders every year.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:20.04pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; "><B>Majority voting.</B></FONT><FONT style="font-family:sans-serif; font-size:3.6mm; "> Our directors are elected by a majority of the votes cast in uncontested elections (plurality vote in contested elections).</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:20.04pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; "><B>Director resignation policy.</B></FONT><FONT style="font-family:sans-serif; font-size:3.6mm; "> We have adopted a director resignation policy for directors who do not receive the affirmative vote of a majority of the votes cast.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:20.04pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; "><B>Independence.</B></FONT><FONT style="font-family:sans-serif; font-size:3.6mm; "> All current non-employee director nominees are independent under the NYSE listing standards.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:20.04pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; "><B>Board refreshment.</B></FONT><FONT style="font-family:sans-serif; font-size:3.6mm; "> Our Board values fresh perspectives. Over the past six years, we have added five new directors to our Board, and a majority of our directors have served for eight years or fewer.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:20.04pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; "><B>Shareholder engagement.</B></FONT><FONT style="font-family:sans-serif; font-size:3.6mm; "> Dialogue with our shareholders is a critical part of our company&#146;s success. Our Investor Relations area conducts ongoing dialogue with our shareholders via conferences, road shows, on-site visits and the like and communicates financial and strategic matters through public
      disclosures such as quarterly earnings presentations, analyst packets and SEC filings. In addition, over the past several years our outside directors have met with both investors and proxy advisory firms to discuss issues of importance to them.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:20.04pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; "><B>Lead Director.</B></FONT><FONT style="font-family:sans-serif; font-size:3.6mm; "> Independent director Colin V. Reed serves as the Lead Director. The principal duties of the Lead Director are specified in the Corporate Governance Guidelines.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:20.04pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; "><B>Other directorships.</B></FONT><FONT style="font-family:sans-serif; font-size:3.6mm; "> None of our current directors serves on more than two public company boards other than First Horizon; eleven of our twelve current directors serve on one or no other public company boards.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:20.04pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; "><B>Clawback.</B></FONT><FONT style="font-family:sans-serif; font-size:3.6mm; "> Our Compensation Recovery Policy (commonly known as a &#147;clawback&#148; policy) makes performance compensation paid based on erroneous financial data recoverable if the recipient caused the error or is responsible for the data&#146;s accuracy. Additional clawback provisions apply to most types of stock
      awards if certain other misconduct occurs, such as fraud or certain competitive activities, or (starting in 2014) if grant or payment of an award was based on erroneous financial data or if a termination for cause occurs.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:20.04pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; "><B>Stock ownership guidelines.</B></FONT><FONT style="font-family:sans-serif; font-size:3.6mm; "> Our guidelines require non-employee directors to own five times their annual cash base retainer in First Horizon stock. Executive officers must own between two and six times their salary in First Horizon stock, depending on their position. See page 52 for additional details about
      the guidelines.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:20.04pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; "><B>Individual director evaluations.</B></FONT><FONT style="font-family:sans-serif; font-size:3.6mm; "> Each year, the Nominating &amp; Corporate Governance Committee evaluates the performance of each non-employee director prior to determining whether to recommend him or her to the Board for renomination. See page 27 for additional detail on this process.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:20.04pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; "><B>Hedging.</B></FONT><FONT style="font-family:sans-serif; font-size:3.6mm; "> Company policy prohibits directors and executive officers from hedging with respect to First Horizon stock.</FONT></P>
</TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0;"><FONT style="font-family:Times, serif; font-size:6.6mm; "></div></FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">8</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>CORPORATE GOVERNANCE &amp; BOARD MATTERS</B></FONT></P>
</DIV>
<P style="margin:8.4mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B><a name=c90447_key1>Key Corporate Governance Documents</a></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Our Board has adopted the following key corporate governance documents. All of these are available, along with several other governance documents, such as our compensation recovery policy, stock ownership guidelines, and committee charters, on our website at www.firsthorizon.com (click on &#147;Investor Relations,&#148;
  then &#147;Corporate Governance,&#148; and then &#147;Governance Documents&#148;). Paper copies are also available to shareholders upon request to the Corporate Secretary.</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:46.82%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:46.82%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Corporate Governance Guidelines</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
      <FONT style="font-size:3.6mm; ">&#149;</FONT></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Provide our directors with guidance as to their legal accountabilities, promote the functioning of the Board and its committees, and set forth a common set
      of expectations as to how the Board should perform its functions.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Code of Business Conduct and Ethics</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
      <FONT style="font-size:3.6mm; ">&#149;</FONT></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Sets forth the overarching principles that guide the conduct of every aspect of our business.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD width="3">&nbsp;</TD>
    <TD>
      <FONT style="font-size:3.6mm; ">&#149;</FONT></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Any waiver of the Code of Business Conduct and Ethics for an executive officer or director must be promptly disclosed to shareholders in any manner that
      is acceptable under the NYSE listing standards, including but not limited to distribution of a press release, disclosure on our website, or disclosure on Form
      8-K.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Code of Ethics for Senior Financial Officers</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD>
      <FONT style="font-size:3.6mm; ">&#149;</FONT></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Promotes honest and ethical conduct, proper disclosure of financial information and compliance with applicable governmental laws, rules and regulations by
      our senior financial officers and other employees who have financial responsibilities.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD width="3">&nbsp;</TD>
    <TD>
      <FONT style="font-size:3.6mm; ">&#149;</FONT></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      We intend to satisfy our disclosure obligations under Item 5.05 of Form 8-K related to amendments or waivers of the Code of Ethics for Senior Financial
      Officers by posting such information on our website.</FONT></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">We have also adopted a Compliance and Ethics Program Policy, which highlights our commitment to having an effective compliance and ethics program by exercising due diligence to prevent and detect criminal conduct and otherwise by promoting an organizational culture that encourages ethical conduct and a
  commitment to compliance with the law.</FONT></P>
<P style="margin:10.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B><a name=c90447_director1>Director Resignation Policy</a></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Our Board has adopted a director resignation policy that requires a director who does not receive the affirmative vote of a majority of the votes cast with respect to his or her election to tender his or her resignation. Under the policy, the Nominating &amp; Corporate Governance Committee must promptly consider the
  resignation tender and a range of possible responses and make a recommendation to the Board. The Board will act on the Nominating &amp; Corporate Governance Committee&#146;s recommendation within 90 days following certification of the shareholder vote. Thereafter, the Board will promptly disclose its decision regarding
  whether to accept the director&#146;s resignation tender, including an explanation of the decision (or the reason(s) for rejecting the resignation offer, if applicable), in a Form 8-K (or other appropriate report) filed with or furnished to the Securities and Exchange Commission. If any director&#146;s tender of resignation under the
  policy is not accepted by the Board, such director will serve until the next annual meeting of shareholders and until his or her successor has been duly elected and qualified. Any director who tenders his or her resignation pursuant to the director resignation policy shall not participate in the Nominating &amp; Corporate
  Governance Committee recommendation or Board action regarding whether to accept the tender of resignation. If a majority of the members of the Nominating &amp; Corporate Governance Committee </FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">9</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>CORPORATE GOVERNANCE &amp; BOARD MATTERS</B></FONT></P>
</DIV>
<P style="margin:2.1mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">did not receive the affirmative vote of a majority of the votes cast at the same election, then all the directors who are &#147;independent&#148; under the listing standards of the New York Stock Exchange and who received the affirmative vote of a majority of the votes cast shall appoint a committee amongst themselves to
  consider the resignation tenders and recommend to the Board whether to accept them.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">This committee may, but need not, consist of all of the independent directors who received the affirmative vote of a majority of the votes cast. The director resignation policy is contained in our Corporate Governance Guidelines, which are available on our website at www.firsthorizon.com (click on &#147;Investor Relations,&#148;
  then &#147;Corporate Governance,&#148; and then &#147;Governance Documents&#148;).</FONT></P>
<P style="margin:10.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B><a name=c90447_independence1>Independence &amp; Categorical Standards</a></B></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      Independence</B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Our common stock is listed on the New York Stock Exchange. The NYSE listing standards require a majority of our directors and all of the members of the Compensation Committee, the Nominating &amp; Corporate Governance Committee and the Audit Committee of the Board of Directors to be independent as defined in
  the listing standards. Under these standards, our Board of Directors is required to determine affirmatively that a director has no material relationship with the company for that director to qualify as independent. In order to assist in making independence determinations, the Board, upon the recommendation of the
  Nominating &amp; Corporate Governance Committee, has adopted the categorical standards set forth below. In making its independence determinations, each of the Board and the Nominating &amp; Corporate Governance Committee considered the relationships between each director and the company, including those that fall
  within the categorical standards. In addition, the NYSE listing standards require that the Board specifically consider certain factors in determining the independence of any director who will serve on the Compensation Committee. These factors are described under the heading &#147;The Compensation Committee&#151;In General&#148;
  below in this proxy statement. Our Board specifically considered such factors in making the independence determinations for all of our directors, including those who serve on the Compensation Committee.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Based on its review and the application of the categorical standards, the Board, upon the recommendation of the Nominating &amp; Corporate Governance Committee, determined that all ten of our current non-employee directors (Messrs. Compton, Emkes, Foss, Gilchrist, Niswonger, Reed, Subramaniam and Yancy and
  Mmes. Palmer and Stewart) are independent under the NYSE listing standards and that R. Brad Martin, who served on our Board until December 2017, was independent under the NYSE listing standards during the time he served as a director. The Nominating &amp; Corporate Governance Committee and the Board
  determined that all transactions and relationships with each director identified above as independent fell within our categorical standards. Neither Mr. Jordan, as our Chief Executive Officer, nor Mr. Taylor, as our Vice Chairman, is independent.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The categorical standards established by the Board, which were last revised in 2010, are set forth below and are also available on our website at www.firsthorizon.com (click on &#147;Investor Relations,&#148; then &#147;Corporate Governance,&#148; and then &#147;Governance Documents&#148;).</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      Director Transactions by Category or Type</B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">With respect to each director who is identified above as independent under the NYSE listing standards, the Board considered the following types or categories of transactions, relationships or arrangements in determining the director&#146;s independence under the NYSE standards and our categorical standards.</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Provision by the company, in the ordinary course of business and on substantially the same terms and conditions as those prevailing at the time for comparable transactions with non-affiliated persons, of the following banking and financial services and services incidental thereto to directors, their immediate family
      members and/or to entities with which directors or their immediate family members are affiliated: deposit accounts (all directors except Mr. Gilchrist and Ms.&nbsp;Stewart); treasury management products (Messrs. Compton, Martin, Niswonger, </FONT></P></TD>
  </TR>
</TABLE>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">10</FONT></P>
<P style="margin:2.1mm 0 0;"><hr color=#000000 noshade></P>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>CORPORATE GOVERNANCE &amp; BOARD MATTERS</B></FONT></P>
</DIV>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:3pt;font-size:0.5mm; ">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:12pt;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;"><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Subramaniam, and Yancy); loans (including mortgage loans), letters of credit, guaranties, credit cards and/or other lines of credit (Messrs. Foss, Martin, Niswonger, Reed, Subramaniam and Yancy and Ms. Palmer); investment advisory services (Mr. Niswonger); broker/dealer services (Messrs. Emkes, Martin,
      Niswonger, Reed and Yancy); financial planning (Mr. Reed); capital markets (Mr. Subramaniam); trust services (Mr.&nbsp;Compton); insurance brokerage (Messrs.&nbsp;Niswonger, Reed and Yancy); safe deposit boxes (Messrs. Martin and Niswonger); purchasing card services (Mr. Niswonger) and currency exchange (Mr.
      Compton).</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Provision by an entity affiliated with a director or his or her immediate family member, in the ordinary course of business and on substantially the same terms and conditions as those prevailing at the time for comparable transactions with non-affiliated persons, of the following products and services to the company:
      package delivery and print services (Mr.&nbsp;Subramaniam); hotel lodging for business travel by employees of the company (Messrs. Niswonger and Reed); venues for business development and for holding seminars and other corporate functions (Messrs. Niswonger and Reed); restaurant meals and sundries for business
      purposes (Messrs. Martin and Reed).</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Charitable contributions by the company or the First Horizon Foundation to charitable organizations with which a director or immediate family member is affiliated (all directors except Ms. Stewart and Mr. Reed).</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Employment by the company in a non-executive position of an immediate family member of a director (Mr. Yancy).</FONT></P>
    </TD>
  </TR>
</TABLE>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      Categorical Standards</B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Each of the following relationships between the Corporation (as defined below) and its subsidiaries, on the one hand, and a director, an immediate family member of a director, or a company or other entity as to which the director or an immediate family member is a director, executive officer, employee or shareholder
  (or holds a similar position), on the other hand, will be deemed to be immaterial and therefore will not preclude a determination by the Board of Directors that the director is independent for purposes of the NYSE listing standards:</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      1.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Depository and other banking and financial services relationships (excluding extensions of credit which are covered in paragraph 2), including transfer agent, registrar, indenture trustee, other trust and fiduciary services, personal banking, capital markets, investment banking, equity research, asset management,
      investment management, custodian, securities brokerage, financial planning, cash management, insurance brokerage, broker/ dealer, express processing, merchant processing, bill payment processing, check clearing, credit card and other similar services, provided that the relationship is in the ordinary course of
      business and on substantially the same terms and conditions as those prevailing at the time for comparable transactions with non-affiliated persons.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      2.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      An extension of credit, provided that, at the time of the initial approval of the extension of credit as to (1), (2) and (3), (1) such extension of credit was in the ordinary course of business, (2) such extension of credit was made in compliance with applicable law, including Regulation O of the Federal Reserve, Section
      23A and 23B of the Federal Reserve Act and Section 13(k) of the Securities and Exchange Act of 1934, (3) such extension of credit was on substantially the same terms as those prevailing at the time for comparable transactions with non-affiliated persons, and (4) the extension of credit has not been placed on
      non-accrual status.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      3.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Contributions (other than mandatory matching contributions) made by the Corporation or any of its subsidiaries or First Horizon Foundation to a charitable organization as to which the director is an executive officer, director, or trustee or holds a similar position or as to which an immediate family member of the
      director is an executive officer; provided that the amount of the contributions to the charitable organization in a fiscal year does not exceed the greater of $500,000 or 2% of the charitable organization&#146;s consolidated gross revenue (based on the charitable organization&#146;s latest available income statement).</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Vendor or other business relationships (excluding banking and financial services relationships and extensions of credit covered by paragraph 1 or 2 above), provided that the relationship is in the ordinary course of business and on substantially the same terms and conditions as those prevailing at the time for
      comparable transactions with non-affiliated persons.</FONT></P></TD>
  </TR>
</TABLE>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">11</FONT></P>
<P style="margin:2.1mm 0 0;"><hr color=#000000 noshade></P>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>CORPORATE GOVERNANCE &amp; BOARD MATTERS</B></FONT></P>
</DIV>
<TABLE cellspacing=0 cellpadding=0 style="font-size:0.5mm; ">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      5.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      All compensation and benefits provided to non-employee directors for service as a director.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      6.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      All compensation and benefits provided in the ordinary course of business to an immediate family member of a director for services to the Corporation or any of its subsidiaries as long as such immediate family member is compensated comparably to similarly situated employees and is not an executive officer of the
      Corporation or based on salary and bonus within the top 1,000 most highly compensated employees of the Corporation.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right">&nbsp;</TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Excluded from relationships considered by the Board is any relationship (except contributions included in category 3) between the Corporation and its subsidiaries, on the one hand, and a company or other entity as to which the director or an immediate family member is a director or, in the case of an immediate
      family member, an employee (but not an executive officer or significant shareholder), on the other hand.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right">&nbsp;</TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      The fact that a particular relationship or transaction is not addressed by these standards or exceeds the thresholds in these standards does not create a presumption that the director is or is not independent.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right">&nbsp;</TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      The following definitions apply to the categorical standards listed above:</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right">&nbsp;</TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#147;Corporation&#148; means First Horizon National Corporation and its consolidated subsidiaries.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right">&nbsp;</TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#147;Executive Officer&#148; means an entity&#146;s president, principal financial officer, principal accounting officer (or, if there is no such accounting officer, the controller), any vice president of the entity in charge of a principal business unit, division or function, any other officer who performs a policy-making function, or any other
      person who performs similar policy-making functions for the entity.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right">&nbsp;</TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#147;Immediate family members&#148; of a director means the director&#146;s spouse, parents, children, siblings, mother-in-law, father-in-law, sons-in-law, daughters-in-law, brothers-in-law, sisters-in-law and anyone (other than domestic employees) who shares the director&#146;s home.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right">&nbsp;</TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#147;Significant shareholder&#148; means a passive investor [meaning a person who is not in control of the entity] who beneficially owns more than 10% of the outstanding equity, partnership or membership interests of an entity. &#147;Beneficial ownership&#148; will be determined in accordance with Rule 13d-3 of the Securities
      Exchange Act of 1934.</FONT></P>
    </TD>
  </TR>
</TABLE>
<P style="margin:10.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B><a name=c90447_board1></a>Board Leadership Structure &amp; Role in Risk Oversight</B></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      Leadership Structure</B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">First Horizon&#146;s Board leadership structure has evolved significantly over the years. Prior to 2007, the Chairman of the Board and Chief Executive Officer roles were held by the same individual (except for two transition periods relating to CEO succession). In 2007, the Board made certain governance changes in order to
  facilitate the implementation of strategic changes it was then initiating, including the appointment of a new CEO and of a separate individual as the Chairman of the Board. Under the Bylaws, the position of Chairman of the Board was at that time an executive officer position, but in 2009, the Board adopted amendments to
  the Bylaws that made the position of Chairman of the Board a non-officer position. In 2012, the Board elected Mr. Jordan, our President and CEO, as Chairman of the Board as well.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Under First Horizon&#146;s current Bylaws, the Chairman of the Board presides at all meetings of the shareholders and of the Board (except, with respect to meetings of the Board, as the Board may otherwise determine) and has the powers and performs the duties as are normally incident to the position and as may be
  assigned by the Board. The Chief Executive Officer is responsible for carrying out the orders of and the resolutions and policies adopted by the Board, has general management of the business of the company and exercises general supervision over all of its affairs.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Reed, who is independent under the listing standards of the NYSE, is currently serving as Lead Director for the Board. The Lead Director&#146;s responsibilities include, among other things, supporting the Chairman of the Board in developing (in conjunction with the Corporate Secretary) the agenda for each Board
  meeting and in defining the scope, quality, quantity and timeliness of the flow of information between management and the Board; presiding (or, if he cannot be in attendance, designating another independent director to preside) at executive sessions of the Board; taking any actions he deems necessary or appropriate
  in connection with the Board and committee self-evaluation process </FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">12</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>CORPORATE GOVERNANCE &amp; BOARD MATTERS</B></FONT></P>
</DIV>
<P style="margin:2.1mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">(including contacting each director individually to obtain additional input on Board and committee effectiveness, if he deems appropriate); receiving reports from directors who have concerns about another director&#146;s performance pursuant to our process for individual director performance evaluations; and receiving
  communications from shareholders pursuant to our process for communications with the Board.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">We believe that our current board leadership structure, with a combined CEO and Chairman position and with a separate Lead Director who is independent under the NYSE listing standards and has the principal duties specified in the Corporate Governance Guidelines, is most appropriate for our company at this time.
  We believe that combining the roles of CEO and Chairman facilitates our prudent management of the company. Holding both roles best positions Mr. Jordan as CEO and Chairman to be aware of major issues facing the company on a day-to-day and long-term basis and to identify key risks and developments facing the
  company that should be brought to the Board&#146;s attention. The combined role also provides a single point of leadership for the company so that the company maintains a unified message and strategic direction.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The combined CEO/Chairman position is counterbalanced by our strong Lead Director position, currently held by Mr. Reed, who is also chair of the Executive &amp; Risk Committee of the Board. The Lead Director, who has the responsibilities described above, provides an independent voice on issues facing the company
  and ensures that key issues are brought to the Board&#146;s attention. The Board and its committees also regularly hold executive sessions with no members of management present, thereby providing an opportunity for the independent directors to discuss their views freely; the executive sessions of the Board are generally
  presided over by the Lead Director (or his designee, if he cannot attend). All four regular meetings of the Board in 2017 concluded with such an executive session. The Board itself has a high degree of independence, with all ten of the non-employee directors qualifying as independent under the NYSE listing standards.
  In addition, the Board values the fresh perspectives brought by new directors: over the past six years, we have added five new directors to our Board.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">We recognize that different board leadership structures may be appropriate for First Horizon at different times and in different situations. As part of our Board self-evaluation process, the Board annually evaluates the company&#146;s leadership structure to ensure that it provides the most appropriate structure. As stated in
  our Corporate Governance Guidelines, the Board is free to select its Chairman and First Horizon&#146;s Chief Executive Officer in the manner it considers in the best interests of the company at any given point in time. The Board has separated the roles of Chairman and CEO in the past and will consider doing so in the
  future should circumstances arise that make such separation appropriate.</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      Board Role in Risk Oversight</B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">As stated in our Corporate Governance Guidelines, oversight of risk management is central to the role of the Board. Our risk management processes are reflected in a Board policy on risk management governance and in a Board statement of strategic objectives and risk appetite. The policy delegates primary
  responsibility for enterprise risk management oversight to the Executive &amp; Risk Committee. The role of that Committee, as well as that of the Audit, Compensation, Information Technology and Trust Committees, is outlined below. Each of these committees and the full Board receive regular reports from management
  regarding the company&#146;s risks, and each committee reports regularly to the full Board concerning risk.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Executive &amp; Risk Committee.</B> The Executive &amp; Risk Committee&#146;s charter authorizes and directs the Committee to assist the Board in its oversight of (i) the establishment and operation of our enterprise risk management framework, including policies and procedures establishing risk management governance, risk
  management procedures, risk control infrastructure, and processes and systems for implementing and monitoring compliance with the framework with respect to the management of credit, market, operational, liquidity, interest rate sensitivity, capital and equity investment risks, including emerging risks, (ii) the adoption,
  implementation and periodic review of significant risk management and compliance policies and (iii) our risk appetite statement. In fulfilling its risk responsibilities, the Board delegated the following duties to the Committee: to review periodically and recommend to the Board the risk appetite parameters to be employed
  by management in operating the company; to receive information on our business practices, policies and procedures related to the risks listed above; to monitor results to ensure alignment with First Horizon&#146;s risk appetite; to review periodic risk and compliance reports from the Chief Risk Officer and the Chief Credit
  Officer, </FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">13</FONT></P>
<p><hr color=#000000 noshade></p>
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<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>CORPORATE GOVERNANCE &amp; BOARD MATTERS</B></FONT></P>
</DIV>
<P style="margin:2.1mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">including reports on major risk exposures and steps taken to monitor, mitigate and control such exposures; to review periodically with management regulatory correspondence and actions; to review and approve First Horizon&#146;s stress testing program and results; and to establish (or recommend to the Board the
  establishment of) risk management and compliance policies and periodically review such policies, as appropriate. The Committee&#146;s charter specifically states that the Committee may meet separately in executive session with the Chief Risk Officer as often as the Committee deems necessary or appropriate.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">In connection with its credit risk responsibilities, the Committee oversees First Horizon&#146;s independent Credit Assurance Services department. The Committee charter requires the Committee to advise the Chief Audit Executive (who has responsibility for the Credit Assurance Services department) that he or she is
  expected to provide the Committee summaries of and, as appropriate, significant reports to management prepared by the Credit Assurance Services department and management&#146;s responses thereto; approve the department&#146;s Annual Review Plan and schedule of activities; meet quarterly with the Chief Audit Executive
  in separate executive session to discuss any matters that the Committee or the Chief Audit Executive believes should be discussed privately; and review the Annual Credit Assurance Services department Statement of Independence.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Under Federal Reserve regulations, the company must have a risk committee that is chaired by a director who is independent as defined in those regulations and that has at least one member with &#147;experience in identifying, assessing and managing risk exposures of large, complex firms.&#148; The Executive &amp; Risk
  Committee meets those requirements and serves as the risk committee for purposes of the Federal Reserve regulations.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Audit Committee.</B> Other Board committees play a role in First Horizon&#146;s risk management processes as well. In accordance with the NYSE listing standards and its charter, the Audit Committee receives reports from the Chief Audit Executive regarding risk governance, risk assessment and risk management, the adequacy
  of the company&#146;s policies and compliance with legal and regulatory requirements. Pursuant to its charter, the Audit Committee also reviews employee complaints or material reports or inquiries received from regulators or government agencies and management&#146;s responses; meets periodically with the company&#146;s Chief Risk
  Officer to discuss any risk and compliance matters that may have a material effect on the company&#146;s financial statements or internal controls; discusses any significant compliance issues raised in reports or inquiries received from regulators or government agencies; reviews periodic reports regarding the Compliance and
  Ethics Program on the effectiveness of that program; and discusses with the General Counsel pending and threatened claims that may have a material impact on the financial statements. The Bank&#146;s Trust Audit Committee (whose members are the same as those of the Audit Committee) carries out a risk oversight role with
  respect to the fiduciary activities of the Bank. The Committee is charged with ensuring that suitable audits (by internal or external auditors) of all significant Bank fiduciary activities are made either annually or on a continuous basis for the purpose of ascertaining whether the Trust Division is being administered in accordance
  with applicable law, regulation and sound fiduciary principles.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Compensation Committee.</B> The Compensation Committee is chiefly responsible for compensation-related risks. The charter of the Committee requires the Committee to oversee our compliance with all applicable laws and regulations relating to (i) appropriate management of the risks associated with incentive
  compensation programs or arrangements or (ii) public, regulatory, or other reporting associated with such risks, programs or arrangements. Additional information about the Committee&#146;s role in risk management is included under the heading &#147;The Compensation Committee&#151;Compensation Risk&#148; on page 20.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Information Technology Committee.</B> The purposes of the Information Technology Committee are (1) to assist management in its understanding of information technology trends, its development and maintenance of an information technology strategy, its management of major information technology investments, and
  its identification and assessment of information technology threats, and (2) to assist the Board in its oversight of information technology matters. It is responsible for reviewing strategic information technology threats and First Horizon&#146;s information technology risk profile.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Trust Committee.</B> The Trust Committee, which is a committee of the Bank&#146;s Board, is responsible for overseeing the fiduciary activities of the Bank, including risks arising in connection with such activities. The Trust Committee receives reports from management of the Trust Division and any other units operating
  pursuant to the fiduciary powers of the Bank regarding fiduciary account records and the investment and distribution of fiduciary account funds.</FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">14</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>CORPORATE GOVERNANCE &amp; BOARD MATTERS</B></FONT></P>
</DIV>
<P style="margin:8.4mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B><a name=c90447_board2>Board Committees</a></B></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      <a name=c90447_committee1>Committee Charters &amp; Committee Composition</a></B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The Board has five standing committees: the Audit Committee, the Compensation Committee, the Executive &amp; Risk Committee, the Information Technology Committee and the Nominating &amp; Corporate Governance Committee. The charter of each of these committees is currently available on our website at
  www.firsthorizon.com (click on &#147;Investor Relations,&#148; then &#147;Corporate Governance,&#148; and then &#147;Governance Documents&#148;). Paper copies are available to shareholders upon request to the Corporate Secretary. The Audit Committee, the Compensation Committee, and the Nominating &amp; Corporate Governance Committee are
  each composed of directors who are independent, as defined above under the heading &#147;Independence &amp; Categorical Standards&#148; beginning on page 10. The chair of the Executive &amp; Risk Committee is also independent, as defined by the Federal Reserve regulations that govern risk committees. The current membership of
  each of the Board&#146;s standing committees is set forth in the table below. Membership and chairmanship continued during the entire period from January 1, 2017 until the filing of this proxy statement unless otherwise indicated in the notes following the table.</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:19.94%;" align="center"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:19.94%;" align="center"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:19.94%;" align="center"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:16.97%;" align="center"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:17.94%;" align="center"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="9" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Audit Committee</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Compensation<br>Committee</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Executive &amp; Risk<br>Committee</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Information<br>Technology<br>Committee</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Nominating &amp;<br>Corporate<br>Governance<br>Committee</B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="9" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.5mm; ">
      Mr. Compton</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.5mm; ">
      Mr. Compton</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.5mm; ">
      Mr. Compton</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.5mm; ">
      Mr. Emkes</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.5mm; ">
      Mr.&nbsp;Compton&nbsp;(chair)</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.5mm; ">
      Mr. Emkes (chair)</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.5mm; ">
      Mr. Emkes(2)</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.5mm; ">
      Mr. Gilchrist</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.5mm; ">
      Mr. Gilchrist</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.5mm; ">
      Mr. Foss(1)</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.5mm; ">
      Mr. Foss(1)</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.5mm; ">
      Ms. Palmer (chair)</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.5mm; ">
      Mr. Jordan</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.5mm; ">
      Ms. Stewart (chair)</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.5mm; ">
      Mr. Gilchrist</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.5mm; ">
      Mr. Gilchrist</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.5mm; ">
      Mr. Reed</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.5mm; ">
      Mr. Niswonger</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.5mm; ">
      Mr. Subramaniam</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.5mm; ">
      Mr. Niswonger</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.5mm; ">
      Ms. Stewart</FONT></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD align="center"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.5mm; ">
      Ms. Palmer</FONT></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD align="center"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.5mm; ">
      Mr.&nbsp;Subramaniam</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.5mm; ">
      Mr. Subramaniam</FONT></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD align="center"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.5mm; ">
      Mr. Reed (chair)</FONT></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD align="center"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD align="center"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.5mm; ">
      Mr. Yancy</FONT></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD align="center"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.5mm; ">
      Mr. Taylor(1)</FONT></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD align="center"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD align="center"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="9" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:16pt;" align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      (1)</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Messrs. Foss and Taylor became directors and members of these committees on November 30, 2017.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:16pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      (2)</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Mr. Emkes became a member of the Compensation Committee on January 23, 2018.</FONT></P>
    </TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Yancy also serves as chair of the Trust Committee, a standing committee of the Bank on which Ms.&nbsp;Stewart and Mr. Niswonger also serve. Mr. Emkes is the chair of the Trust Audit Committee, a standing committee of the Bank on which all the other members of the Audit Committee listed above also serve. R.
  Brad Martin, who served on our Board of Directors until December 2017, was a member of the Compensation and Nominating &amp; Corporate Governance Committees until his departure from the Board.</FONT></P>
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  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      <a name=c90447_the2>The Audit Committee</a></B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I><a name=c90447_overview1>Overview</a></I></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The Audit Committee was established by our Board of Directors and operates under a written charter that was last amended in 2017 to update a reference to an auditing standard and clarify the Committee&#146;s duties with respect to oversight of the Internal Audit Department. The charter is attached to this proxy
  statement at Appendix A. In 2017, the Committee met eight times and took action by written consent once for the principal purpose of executing its responsibilities under the Committee&#146;s charter. Five of those meetings concluded with an executive session during which management was not present.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Subject to the limitations and provisions of its charter, the Committee assists our Board in its oversight of our accounting and financial reporting principles and policies, internal controls and procedures, the integrity of our financial statements, our compliance with legal and regulatory requirements, the independent
  auditor&#146;s qualifications and independence, and the performance of the independent auditor and our internal audit function. The Committee is directly responsible for the appointment (subject, if applicable, to shareholder ratification), retention, compensation and termination of the independent auditor as well as for
  overseeing the work of and </FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">15</FONT></P>
<p><hr color=#000000 noshade></p>
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<PAGE>
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<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>CORPORATE GOVERNANCE &amp; BOARD MATTERS</B></FONT></P>
</DIV>
<P style="margin:2.1mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">evaluating the independent auditor and its independence. The members of the Committee are themselves independent, as that term is defined in the NYSE listing standards (described above), and meet the additional independence requirements prescribed by Section 10A(m)(3) of the Securities Exchange Act of 1934,
  as amended, and the rules of the SEC promulgated thereunder. In addition, the Board of Directors has determined that all the members of the Committee are financially literate as required by the NYSE listing standards. The Audit Committee&#146;s Report is included below.</FONT></P>
<P style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I><a name=c90447_audit1>Audit Committee Financial Expert</a></I></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The Board of Directors has determined that Mark A. Emkes (chair of the Audit Committee) is an audit committee financial expert, as that term is defined in Item 407(d)(5) of SEC Regulation S-K. Mr. Emkes received his Bachelor of Arts in Economics from DePauw University and his Masters of Business Administration
  in International Management from the Thunderbird School of Global Management. Over the course of his career, Mr. Emkes served in various positions with Tokyo-based Bridgestone Corporation, including as President and Managing Director of Bridgestone Firestone Mexico and of Bridgestone Firestone Brazil,
  President of Bridgestone Latin America, and Chairman and CEO of Bridgestone North America.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">In each of these positions, he actively supervised the divisional chief financial officer, who reported directly to him, and he reviewed financial results regularly. His service with Bridgestone culminated in his position as Chairman, Chief Executive Officer and President of Bridgestone Americas, Inc., a company with
  approximately $12 billion in annual revenue, and as a director of its parent company, Bridgestone Corporation. As CEO of Bridgestone Americas, Inc., Mr. Emkes was responsible for the financial statements of the subsidiary, and he actively supervised the CFO, regularly reviewing results in detail and discussing with
  the CFO issues relating to the subsidiary&#146;s financial statements, including issues relating to its estimates, accruals and reserves. He annually signed a certificate for Bridgestone Corporation in connection with the certification process for Japan&#146;s version of the Sarbanes-Oxley Act and a management representation letter
  in connection with the audit of the financial results of Bridgestone Corporation (the financial statements of which were audited in accordance with generally accepted accounting principles). For part of Mr.&nbsp;Emkes&#146;s tenure at Bridgestone Americas, the internal audit division reported to him. Most recently, Mr. Emkes
  served as the Commissioner of the Department of Finance and Administration of the State of Tennessee, a position he retired from in May 2013. Mr. Emkes has served on First Horizon&#146;s Audit Committee since 2008.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Independence of Audit Committee Financial Expert.</B> Mr. Emkes meets in all respects the independence requirements of the NYSE and Section 10A(m)(3) of the Securities Exchange Act of 1934, as amended, and the rules of the SEC promulgated thereunder.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><I>Notwithstanding anything to the contrary set forth in any of our previous filings under the Securities Act of 1933, as amended, or the Securities Exchange Act of 1934, as amended, that might incorporate future filings by reference, including this proxy statement, in whole or in part, the following Audit Committee Report
  and the statements regarding members of the Committee who are not independent (if any) shall not be incorporated by reference into any such filings.</I></FONT></P>
<P style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I><a name=c90447_audit2>Audit Committee Report</a></I></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The roles of the Audit Committee (&#147;Committee&#148;) are (1) to assist First Horizon&#146;s Board of Directors in its oversight of (a) the company&#146;s accounting and financial reporting principles and policies and internal controls and procedures, (b) the integrity of its financial statements, (c) its compliance with legal and regulatory
  requirements, (d) the independent auditor&#146;s qualifications and independence, and (e) the performance of the independent auditor and internal audit function; and (2) to prepare this report to be included in First Horizon&#146;s annual proxy statement pursuant to the proxy rules of the SEC. The Committee operates pursuant
  to a charter that was last amended and restated by the Board in 2017. As set forth in the Committee&#146;s charter, management of First Horizon is responsible for preparation, presentation and integrity of the company&#146;s financial statements and for maintaining appropriate accounting and financial reporting principles and
  policies and internal controls and procedures to provide for compliance with accounting standards and applicable laws and regulations, and the internal auditor is responsible for testing such internal controls and procedures. The independent auditor is responsible for planning and carrying out audits of First Horizon&#146;s
  annual financial statements and effectiveness of internal control over financial reporting, reviews of First Horizon&#146;s quarterly financial statements prior to the filing of each quarterly report on Form 10-Q and certain other procedures.</FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">16</FONT></P>
<p><hr color=#000000 noshade></p>
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<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>CORPORATE GOVERNANCE &amp; BOARD MATTERS</B></FONT></P>
</DIV>
<P style="margin:2.1mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">In the performance of its oversight function, the Committee has considered and discussed the audited financial statements with management and the independent auditors. The Committee has discussed with the Chief Executive Officer and Chief Financial Officer their respective certifications that were included in First
  Horizon&#146;s Annual Report on Form 10-K for the year ended December 31, 2017. The Committee has also discussed with the independent auditors the matters required to be discussed by Auditing Standard No. 1301, <I>Communications with Audit Committees,</I> issued by the Public Company Accounting Oversight Board
  (formerly the Statement on Auditing Standards No.&nbsp;61, as amended (AICPA, <I>Professional Standards,</I> Vol. 1. AU Section 380), as adopted by the Public Company Accounting Oversight Board in Rule 3200T). Finally, the Committee has received the written disclosures and the letter from the independent auditors required
  by applicable requirements of the Public Company Accounting Oversight Board regarding the independent accountant&#146;s communications with the audit committee concerning independence, has adopted an audit and non-audit services pre-approval policy and considered whether the provision of non-audit services by the
  independent auditors to First Horizon is compatible with maintaining the auditor&#146;s independence and has discussed with the auditors the auditors&#146; independence. At each of its regular quarterly meetings, the Committee is scheduled to meet, in separate executive sessions with no members of management present, with
  both the independent auditors and the internal auditor to discuss any matters that the Committee in its discretion deems appropriate.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">While the Board of Directors has determined that each member of the Audit Committee has the broad level of general financial experience required to serve on the Committee and that Mr. Emkes is an audit committee financial expert as that term is defined in Item 407(d)(5) of Regulation S-K, none of the members of
  the Committee currently devotes specific attention to the narrower fields of auditing or accounting or is professionally engaged in the practice of auditing or accounting, nor are they performing the functions of auditors or accountants, nor are they experts in respect of auditor independence. Members of the Committee
  rely without independent verification on the information provided to them and on the representations made by management and the independent auditors. Accordingly, the Committee&#146;s oversight does not provide an independent basis to determine that management has maintained appropriate accounting and financial
  reporting principles or appropriate internal controls and procedures designed to assure compliance with accounting standards and applicable laws and regulations. Furthermore, the Committee&#146;s considerations and discussions referred to above do not assure that the audit of First Horizon&#146;s financial statements has been
  carried out in accordance with generally accepted auditing standards, that the financial statements are presented in accordance with generally accepted accounting principles or that First Horizon&#146;s auditors are in fact &#147;independent.&#148;</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Based upon the reports and discussions described in this report, and subject to the limitations on the role and responsibilities of the Committee referred to above and in the Committee&#146;s charter, the Committee recommended to the Board of Directors that the audited financial statements be included in our Annual
  Report on Form 10-K for the year ended December 31, 2017 filed with the SEC.</FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Submitted by the Audit Committee of our Board of Directors.</FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Audit Committee</B></FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mark A. Emkes, Chair<br>John C. Compton<br>Peter N. Foss<br>Corydon J. Gilchrist<br>Cecelia D. Stewart<br>Rajesh Subramaniam<br>Luke Yancy III</FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">17</FONT></P>
<p><hr color=#000000 noshade></p>
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<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>CORPORATE GOVERNANCE &amp; BOARD MATTERS</B></FONT></P>
</DIV>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      <a name=c90447_the3>The Compensation Committee</a></B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I><a name=c90447_general1>In General</a></I></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The Compensation Committee operates under a written charter that was last amended and restated by the Board of Directors in 2014. The purposes of the Compensation Committee are (1) to discharge the Board&#146;s responsibilities relating to the compensation of our executive officers, (2) to produce an annual report
  on executive compensation for inclusion in our proxy statement, in accordance with the rules and regulations of the SEC [the current report is set forth below], (3) to identify and recommend to the Board individuals for appointment as officers, (4) to evaluate our management, and (5) to carry out certain other duties as
  set forth in the Committee&#146;s charter.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The members of the Committee are independent, as that term is defined in the NYSE listing standards (described above), and meet the additional independence requirements that specifically apply to Compensation Committee members as set forth in the listing standards (as prescribed by Section 10C of the Securities
  Exchange Act of 1934, as amended, and the rules of the SEC promulgated thereunder). In affirmatively determining the independence of all of the directors (other than Messrs. Jordan and Taylor), including those who serve on the Committee, the Board has considered all factors specifically relevant to determining
  whether any of those directors has a relationship to the company which is material to that director&#146;s ability to be independent from management in connection with the duties of a Committee member, including, but not limited to, the source of compensation of such director, including any consulting, advisory or other
  compensatory fee paid by the company to such director, and whether such director is affiliated with First Horizon, a subsidiary of First Horizon, or an affiliate of a subsidiary of First Horizon.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Most of our executive compensation plans specify that they will be administered by a committee. The Committee&#146;s charter provides that the Committee will administer plan-committee functions under our various executive-level compensation plans. Under the charter, at least two members of the Committee must be
  &#147;outside directors&#148; for purposes of Section 162(m) of the Internal Revenue Code of 1986, as amended, and at least two members of the Committee must be &#147;non-employee directors&#148; for purposes of Section 16 of the Securities Exchange Act of 1934. Many of our plans have similar provisions concerning their respective
  plan committees. The charter stipulates that if a Committee member is disqualified under one or the other of those tests, then that member must recuse him- or herself from participating in decisions impacted by the relevant test. In that situation, the remaining members would constitute the Committee for that action.
  On occasion, in connection with a specific action, a Committee member may feel that his or her qualification under one of those tests may be in doubt for some reason; in that case, the member may elect recusal to avoid any risk of possible disqualification.</FONT></P>
<P style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I><a name=c90447_processes1>Processes &amp; Procedures Regarding Executive &amp; Director Compensation</a></I></B></FONT></P>
<P style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><I>The Committee&#146;s Authority</I></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The charter of the Compensation Committee provides that the Committee has the authority to review and approve corporate goals and objectives relevant to the compensation of the CEO, to evaluate the performance of the CEO in light of those goals and objectives, to set the CEO&#146;s compensation level based on this
  evaluation, and to fix the compensation, including bonus and other compensation and any severance or similar termination payments, of executive officers. The Committee also has the authority, pursuant to its charter, to make recommendations to the Board concerning the adoption or amendment of employee benefit
  plans, management compensation plans, incentive compensation plans and equity-based plans, including plans applicable to executive officers, and to make recommendations to the Board concerning director compensation. The charter also provides that the Committee will oversee the company&#146;s compliance with all
  applicable laws and regulations relating to (1) appropriate management of the risks associated with incentive compensation programs or arrangements, (2) the compensation of the company&#146;s executive officers and (3) any reporting associated with either. The Committee may not delegate any of the substantive
  authority described in this paragraph related to executive and director compensation to any other persons. In 2017, the Committee met five times (and took action by written consent once) for the principal purpose of executing its responsibilities under the Committee&#146;s charter; all five of the meetings included an
  executive session during which management was not present.</FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">18</FONT></P>
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<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>CORPORATE GOVERNANCE &amp; BOARD MATTERS</B></FONT></P>
</DIV>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><I>Director Compensation</I></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The Committee periodically conducts a review of our director compensation program. The last comprehensive review took place in 2017. During each comprehensive review, the design and amount of director compensation is considered by management, and any changes are recommended to the Committee, either as
  a short list of alternatives or as single-item recommendations. In general, management uses a consultant in formulating many of its recommendations, both for advice in designing director compensation and as a source of peer-company data. (Additional information on the use of consultants in compensation matters is
  provided below.) Management also prepares various presentations, analyses, and other tools for the Committee to use in considering director compensation decisions. As a result of the most recent review process, several changes were made and took effect in April 2017. A complete description of our current director
  compensation program can be found under the heading &#147;Director Compensation&#148; beginning on page 80 of this proxy statement.</FONT></P>
<P style="margin:4.2mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><I>Executive Compensation</I></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The Committee determines the CEO&#146;s salary and bonus in executive session independent of management, generally on an annual basis. That determination is based on a review of the CEO&#146;s personal plan results for the prior year, along with peer CEO salary data provided by management&#146;s compensation consultant
  as well as input from the Committee&#146;s independent compensation consultant. The CEO participates in establishing his personal plan, but otherwise is not involved in the determination of his own salary.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Our CEO recommends to the Committee salary levels for the executive officers other than himself. Other compensation matters (bonus, equity awards, etc.) involving executives are reviewed by management, including the CEO, which then makes recommendations to the Committee, either as a short list of alternatives
  or as single-item recommendations. Management uses a consultant in formulating certain of its recommendations, both for advice and as a source of peer-company data. Management also prepares various presentations, analyses, forecasts, and other tools for the Committee to use in considering compensation
  decisions during the year. The Committee&#146;s independent consultant reviews all proposals and makes recommendations to the Committee.</FONT></P>
<P style="margin:4.2mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><I>Benefit Programs and Plans</I></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Management monitors and considers benefit programs used by other companies, or needed within our company, to attract and retain key employees. Recommendations are presented by management to the Committee for review and discussion. The CEO ultimately oversees these management processes. New benefit
  plans, or significant amendments to existing plans, typically are considered by the full Board based on recommendations from the Committee. Enrollment and other administrative actions associated with the benefit plans are handled mainly through third party vendors in accordance with the terms in the Board-approved
  plans. If executive-level exceptions are required for administration of the plans, such as approval of an early retirement, management generally reviews the facts of the situation and provides a recommendation to the Committee for approval.</FONT></P>
<P style="margin:4.2mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><I>Use of Consultants</I></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Management uses a national compensation consulting firm to provide advice with respect to executive and director compensation matters. Management also uses a number of other specialist firms to provide data relevant to specific needs such as funding for non-qualified deferred compensation and any special
  compensation arrangements that are unique to specific business units such as the capital markets industry. The consultants provide competitive data/trends, keep management informed of best practices and work with management to develop programs that permit the company to attract and retain the talent needed.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">In 2017, management continued its engagement of McLagan as its primary advisor for executive and director compensation matters. Among other things, management directed McLagan to provide objective advice to management, the Committee and the Board on executive and director compensation, to provide
  expertise in executive and director compensation design, market practices in our industry and data to support recommendations, and to ensure timely reports to management and the Committee on all critical accounting, tax, securities law and market developments and trends relating to executive and director
  compensation. In addition, management engages nationally-recognized law firms as appropriate to provide advice on compliance with new laws, administration of stock plans, and compensation-related agreements and arrangements. Management also engages other advisers from time to time to provide expertise in
  executive and director compensation matters.</FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">19</FONT></P>
<p><hr color=#000000 noshade></p>
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<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>CORPORATE GOVERNANCE &amp; BOARD MATTERS</B></FONT></P>
</DIV>
<P style="margin:2.1mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">In 2017, the Compensation Committee continued its engagement of Frederic W. Cook &amp; Co., Inc. (&#147;FW Cook&#148;) to provide it with independent analysis and advice on executive compensation-related matters. Among other things, FW Cook assists the Committee in its reviews of compensation program actions
  recommended by management, reviewing the chosen peer group and survey data for competitive comparisons and advising the Committee on best practices and ideas for board governance of executive compensation. FW Cook was specifically directed to undertake no work on behalf of management, and the firm has
  no other relationships with the company or management.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The NYSE listing standards require that all compensation consultants, legal counsel or other advisers to the Committee (which we collectively refer to as &#147;advisers&#148;) undergo an assessment of independence from management. The Committee must consider all factors relevant to each adviser&#146;s independence from
  management, including the following:</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      the provision of other services to the company by the person that employs the adviser;</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      the amount of fees received from the company by the person that employs the adviser, as a percentage of the total revenue of the person that employs the adviser;</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      the policies and procedures of the person that employs the adviser that are designed to prevent conflicts of interest;</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      any business or personal relationship of the adviser with a member of the Committee;</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      any stock of the company owned by the adviser; and</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      any business or personal relationship of the adviser or the person employing the adviser with an executive officer of the company</FONT></P>
    </TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The Committee has assessed the independence of FW Cook and all other advisers to the Committee as required by the NYSE listing standards, considering the factors described above, and has determined that FW Cook (and the individual adviser that FW Cook employs with respect to the engagement by the
  company) is independent of management. The Committee has also considered the factors listed above for determining whether the work performed by FW Cook has raised any conflict of interest and has concluded that no such conflict of interest exists.</FONT></P>
<P style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I><a name=c90447_compensation1>Compensation Risk</a></I></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Management and the Committee seek to balance several competing corporate goals: to motivate employees to achieve key goals through appropriate risk-taking; to avoid incenting inappropriate risk-taking and reinforce risk management practices; to promote retention in the face of efforts by competitors to poach talent; and to
  comply with regulatory standards concerning compensation and risk management. At least once each year the Committee meets with management to review and assess risks associated with incentive and other compensation plans.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">As part of the 2017 review, management conducted a risk and culture assessment of the top three tiers of management. This &#147;tone from the top&#148; assessment evaluated leadership performance and behaviors against risk management expectations. The results of this assessment, which management judged to be
  satisfactory, were reported to the Committee in 2017.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">In 2017 senior management measured achievement using risk-adjusted return on capital and economic profit. These performance measures adjust profit for risk and measure profit net of the cost of capital employed. This approach has been applied to individual business lines and products, among other things, and it
  discourages business activities which entail risk or capital usage disproportionate to expected profit and encourages activities whose profit is at least commensurate with risk and capital usage. Our focus on these metrics is intended to drive capital-efficient, risk-appropriate, and therefore superior performance over the
  long term. This focus is directly supportive of our risk management goals and practices.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Other risk management features employed in various performance and retention incentives include a qualitative risk assessment used in annual personal plan performance, which can directly impact annual bonus and salary decisions; use of a mandatory deferral feature for many incentives; forfeiture of equity awards for
  termination for cause and certain misconduct; clawback of previously-paid awards for certain types of misconduct; and corrective clawback for incentive awards if payment is based on erroneous data.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><I>Notwithstanding anything to the contrary set forth in any of our previous filings under the Securities Act of 1933, as amended, or the Securities Exchange Act of 1934, as amended, that might incorporate future filings by reference, including this proxy statement, in whole or in part, the following Compensation
  Committee Report shall not be incorporated by reference into any such filings.</I></FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">20</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>CORPORATE GOVERNANCE &amp; BOARD MATTERS</B></FONT></P>
</DIV>
<P style="margin:1.4mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I><a name=c90447_compensation2>Compensation Committee Report</a></I></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The Compensation Committee of our Board of Directors has reviewed and discussed with management, among other things, the section of this proxy statement captioned &#147;Compensation Discussion &amp; Analysis&#148; beginning on page 43. Based on that review and discussion, the Compensation Committee recommended to
  our Board that the &#147;Compensation Discussion &amp; Analysis&#148; section be included in this proxy statement.</FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Compensation Committee</B></FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Vicki R. Palmer, Chair<br>John C. Compton<br>Mark A. Emkes<br>Colin V. Reed</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      <a name=c90447_the1>The Executive &amp; Risk Committee</a></B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The Executive &amp; Risk Committee was established by our Board of Directors and operates under a written charter that was last amended and restated in 2015. The Committee met eight times during 2017.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The Board has delegated primary responsibility for enterprise risk management oversight to the Executive &amp; Risk Committee. In connection with its credit risk responsibilities, the Committee oversees First Horizon&#146;s independent Credit Assurance Services department. Additional information on the Committee&#146;s risk-related
  duties is available under the heading &#147;Board Role in Risk Oversight&#151;Executive &amp; Risk Committee&#148; beginning on page&nbsp;12 above. As an executive committee, the Committee is authorized and empowered to exercise during the intervals between meetings of the Board all authority of the Board, except as prohibited by applicable law and provided that it may not approve acquisitions,
  divestitures or the entry into definitive agreements (not in the ordinary course of business) where the purchase or sale price or transaction amount exceeds $100 million. Also, no authority has been delegated to the Committee in its charter to approve any acquisition involving the issuance of our stock.</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      <a name=c90447_the5>The Information Technology Committee</a></B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The Information Technology Committee was established in 2015 and operates under a written charter that was last amended in July 2017 to make minor clarifying changes. The purposes of the Committee are (1) to assist management in its understanding of information technology trends, its development and
  maintenance of an information technology strategy, its management of major information technology investments, and its identification and assessment of information technology threats, and (2) to assist the Board in its oversight of information technology matters.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The Committee met four times in 2017 for the principal purpose of executing its responsibilities under its charter.</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      <a name=c90447_the4>The Nominating &amp; Corporate Governance Committee</a></B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:3.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I><a name=c90447_general2>In General</a></I></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The Nominating &amp; Corporate Governance Committee operates under a written charter that was last amended in 2014. The purposes of the Nominating &amp; Corporate Governance Committee are (1) to identify and recommend to the Board individuals for nomination as members of the Board and its committees, (2) to
  develop and recommend to the Board a set of corporate governance principles applicable to the company, and (3) to oversee the evaluation of the Board and management. The Committee met four times in 2017 for the principal purpose of executing its responsibilities under its charter.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Beginning in 2016 and continuing in 2017, a director search firm was retained to assist the Committee in assessing Board competencies and identifying potential director candidates.</FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">21</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>CORPORATE GOVERNANCE &amp; BOARD MATTERS</B></FONT></P>
</DIV>
<P style="margin:4.2mm 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I><a name=c90447_nominations1>Nominations of Directors; Consideration of Diversity in Identifying Director Nominees</a></I></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">With respect to the nominating process, the Nominating &amp; Corporate Governance Committee discusses and evaluates possible candidates in detail and suggests individuals whose potential membership on the Board could be explored in greater depth. The Committee, with input from the Chairman of the Board, the
  Chief Executive Officer and the Lead Director, recommends new nominees for the position of independent director based on the following criteria:</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Personal qualities and characteristics, experience, accomplishments and reputation in the business community.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Current knowledge and contacts in the communities in which the company does business and in the company&#146;s industry or other industries relevant to the company&#146;s business.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Diversity of viewpoints, background, experience and other demographics.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Ability and willingness to commit adequate time to Board and committee matters.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      The fit of the individual&#146;s skills and personality with those of other directors and potential directors in building a Board that is effective and responsive to its duties and responsibilities.</FONT></P>
    </TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The Nominating &amp; Corporate Governance Committee does not set specific, minimum qualifications that nominees must meet in order for the Committee to recommend them to the Board of Directors, but rather believes that each nominee should be evaluated based on his or her individual merits, taking into account the
  needs of the company and the composition of the Board of Directors.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">As described above and set forth in our Corporate Governance Guidelines, diversity, broadly defined to mean diversity of viewpoints, background, experience and other demographics, is one criterion on which the Committee bases its recommendations of new nominees for director positions. The inclusion of diversity in
  the listed criteria for director nominees reflects the Board&#146;s belief that diversity is important to the effective functioning of the Board. More generally, our Board-adopted Code of Business Conduct and Ethics reflects First Horizon&#146;s firm commitment to non-discrimination and equal opportunity for employees, customers and
  suppliers and to treatment of everyone without discrimination or harassment based on race, color, religion, sex, sexual orientation, gender identity, national origin, age, veteran status or disability. However, neither the Committee nor the Board has a formal policy with regard to the consideration of diversity in identifying
  director nominees.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Once a candidate is identified whom the Committee wants seriously to consider and move toward nomination, the Chairman and CEO and/or other directors as the Committee determines will enter into a discussion with that candidate.</FONT></P>
<P style="margin:3.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I><a name=c90447_shareholder1>Shareholder Recommendations of Director Nominees</a></I></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The Nominating &amp; Corporate Governance Committee will consider individuals recommended by shareholders as director nominees, and any such individual is given appropriate consideration in the same manner as individuals recommended by the Committee. Shareholders who wish to submit individuals for consideration
  by the Nominating &amp; Corporate Governance Committee as director nominees may do so by submitting, in compliance with the procedures and along with the other information required by our Bylaws (as described below), a notice in writing that gives such individuals&#146; names to the Corporate Secretary. Our Bylaws
  require that to be timely, a shareholder&#146;s notice must be delivered to or mailed and received at our principal executive offices not less than 90 days nor more than 120 days prior to the date of the meeting. However, if fewer than 100 days&#146; notice or prior public disclosure of the date of the meeting is given or made to
  shareholders, a notice by a 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&#146;s notice
  must state:</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      the name, age, business address and residence address of the person whom the shareholder proposes to nominate; the principal occupation or employment of such person; the class and number of shares of First Horizon that are beneficially owned by such person on the date of the notice;</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      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&#146;s written consent to being
      named in the proxy statement as a nominee and to serving as a director if elected);</FONT></P></TD>
  </TR>
</TABLE>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">22</FONT></P>
<P style="margin:2.1mm 0 0;"><hr color=#000000 noshade></P>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>CORPORATE GOVERNANCE &amp; BOARD MATTERS</B></FONT></P>
</DIV>
<TABLE cellspacing=0 cellpadding=0 style="font-size:0.5mm; ">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      the name and address, as they appear on our books, of the shareholder giving the notice and any other shareholders known by such shareholder to be supporting the proposed nominee; and</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      the class and number of shares of our stock which are beneficially owned by the shareholder giving the notice on the date of the notice and by any other shareholders known by the shareholder giving the notice to be supporting the proposed nominee on the date of such shareholder&#146;s notice.</FONT></P>
    </TD>
  </TR>
</TABLE>
<P style="margin:10.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B><a name=c90447_compensation3>Compensation Committee Interlocks &amp; Insider Participation</a></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Messrs. Compton and Reed and Ms. Palmer, all non-employee directors, served as members of the Board of Director&#146;s Compensation Committee during 2017, as did R. Brad Martin, who served as a member of the Committee until he stepped down as a member of the Board of Directors in December 2017. Refer to
  the table in &#147;Corporate Governance and Board Matters&#151;Composition of Board Committees&#148; above for additional committee information. No interlocking relationships existed with respect to any of the members of the Committee.</FONT></P>
<P style="margin:10.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B><a name=c90447_board3>Board &amp; Committee Meeting Attendance</a></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">During 2017, the Board of Directors held six meetings (four of which took place over a period of two days) and took action by written consent twice. The Audit Committee held eight meetings and took action by written consent once, the Compensation Committee held five meetings and took action by written consent
  once, the Executive &amp; Risk Committee held eight meetings, the Information Technology Committee held four meetings, and the Nominating &amp; Corporate Governance Committee held four meetings. The Trust Committee of the Bank&#146;s Board held three meetings. The average attendance at Board and committee meetings
  exceeded 95 percent. No incumbent director attended fewer than 75 percent of the meetings of the Board and the committees of the Board on which he or she served during 2017. As set forth in our Corporate Governance Guidelines, our directors are expected to make every effort to attend every meeting of First
  Horizon&#146;s shareholders. For the last 10 years, all of our directors have been in attendance at every annual meeting of shareholders, except for one director in 2012 and one director in 2014.</FONT></P>
<P style="margin:10.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B><a name=c90447_executive1>Executive Sessions of the Board</a></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">To ensure free and open discussion and communication among the non-management directors of the Board and its committees, our Corporate Governance Guidelines provide that the non-management directors will meet in regularly scheduled executive sessions and as often as the Board shall request, with no
  members of management present, and that if any non-management directors are not independent under NYSE listing standards, the independent, non- management directors will meet in executive session at least once a year. All of our non-management directors were independent during all of 2017, and during 2017,
  those independent, non-management directors met four times in executive session of the Board. The Lead Director presides (or, if he cannot be in attendance, designates another independent director to preside) at the executive sessions of the Board.</FONT></P>
<P style="margin:10.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B><a name=c90447_communication1>Communication with the Board of Directors</a></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">A shareholder who desires to communicate with the Board of Directors on matters other than director nominations should submit his or her communication in writing to the Lead Director, c/o&nbsp;Corporate Secretary, First Horizon National Corporation, 165 Madison Avenue, Memphis, Tennessee 38103, and identify himself
  or herself as a shareholder. The Corporate Secretary will forward all communications to the Lead Director for a determination as to how to proceed. Other interested parties desiring to communicate with the Board of Directors should submit their communications in the same manner.</FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">23</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>CORPORATE GOVERNANCE &amp; BOARD MATTERS</B></FONT></P>
</DIV>
<P style="margin:8.4mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B><a name=c90447_approval1>Approval, Monitoring &amp; Ratification Procedures for Related Party Transactions</a></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The Audit Committee of the Board has adopted procedures for the approval, monitoring, and ratification of transactions between First Horizon, on the one hand, and our directors, executive officers or 5% shareholders, their immediate family members, their affiliated entities and their immediate family members&#146; affiliated
  entities, on the other hand. A copy of our procedures is available on our website at www.firsthorizon.com (click on &#147;Investor Relations,&#148; then &#147;Corporate Governance,&#148; and then &#147;Governance Documents&#148;). Our procedures require management to submit any proposed &#147;related party transaction&#148; (defined as a transaction
  that is required to be disclosed in our proxy statement pursuant to the requirements of Item 404(a) of Regulation S-K promulgated by the SEC) or amendment to an existing related party transaction to the Audit Committee for approval or ratification. In some cases, the matter may be determined by the chair of the
  Audit Committee. In considering whether to approve a given transaction, the Audit Committee (or chair) must consider:</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      whether the terms of the related party transaction are fair to First Horizon and on terms at least as favorable as would apply if the other party was not, or did not have an affiliation with, a director or executive officer of First Horizon;</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      whether First Horizon is currently engaged in other related party transactions with the related party at issue or other related parties of the same director or executive officer;</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      whether there are demonstrable business reasons for First Horizon to enter into the related party transaction;</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      whether the related party transaction would impair the independence of a director; and</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      whether the related party transaction would present an improper conflict of interest for any director or executive officer of First Horizon, taking into account the size of the transaction, the overall financial position of the director or executive officer, the direct or indirect nature of the interest of the director or executive
      officer in the transaction, the ongoing nature of any proposed relationship, and any other factors the Audit Committee deems relevant.</FONT></P>
    </TD>
  </TR>
</TABLE>
<P style="margin:8.4mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B><a name=c90447_transactions1>Transactions with Related Persons</a></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">First Horizon, the Bank and the subsidiaries of each, as applicable, have entered into lending transactions and/or other banking or financial services transactions in the ordinary course of business with our executive officers, directors, nominees, their immediate family members and affiliated entities, and the persons of
  which we are aware that beneficially own more than five percent of our common stock, and we expect to have such transactions in the future. Such transactions were made in the ordinary course of business, were made on substantially the same terms, including interest rates and collateral, as those prevailing at the
  time for comparable transactions with persons not related to the company, and did not involve more than the normal risk of collectability or present other unfavorable features. We note that as a perquisite we offer all employees discounts on certain financial services (for example, no-fee domestic wire transfers). These
  discounts are available to our executive officers except in relation to credit extended at the time an executive officer is serving as such.</FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">24</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>

<PAGE>

<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>STOCK OWNERSHIP INFORMATION</B></FONT></P>
</DIV>
<P style="margin:4.2mm 0 6.3mm; "><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B><a name=c90447_stock1>S</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>TOCK</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> O</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>WNERSHIP</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> I</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>NFORMATION</a></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">As of December 31, 2017, there were 9,319 shareholders of record of our common stock. To our knowledge, there were four persons who owned beneficially, as that term is defined by Rule 13d-3 of the Securities Exchange Act of 1934, more than five percent (5%) of our common stock as of December&nbsp;31, 2017.
  Certain information concerning beneficial ownership of our common stock by those persons as of December 31, 2017 is set forth in the following table:</FONT></P>
<P align="center" style="margin:2.8mm 0 0; "><FONT style="font-family:sans-serif; font-size:4.5mm; "><B><a name=c90447_security1>Security Ownership of Certain Beneficial Owners</a></B></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="bottom">
    <TD style="width:63.97%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:16.66%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:14.10%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Name and Address of<br>Beneficial Owner*</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Amount and Nature<br>of Beneficial<br>Ownership</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Percent of Class</B></FONT></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="15" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">BlackRock, Inc</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      29,317,893</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      9.0</FONT></P></TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       %</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Invesco Ltd</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      17,799,276</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      5.5</FONT></P></TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       %</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">State Street Corporation</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      16,813,805</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      7.18</FONT></P></TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       %</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The Vanguard Group, Inc</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      25,423,000</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      7.79</FONT></P></TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       %</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="15" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">* Addresses appear in the text below.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>BlackRock.</B> The information in the table above with respect to BlackRock is based on information set forth in Schedule 13G/A, filed with the Securities and Exchange Commission on January&nbsp;25, 2018 by BlackRock, Inc. on behalf of its subsidiaries BlackRock (Netherlands) B.V., BlackRock Advisors (UK) Limited,
  BlackRock Advisors, LLC, BlackRock Asset Management Canada Limited, BlackRock Asset Management Ireland Limited, BlackRock Asset Management Schweiz AG, Blackrock Financial Management, Inc., BlackRock Fund Advisors, BlackRock Institutional Trust Company, N.A., BlackRock International Limited,
  BlackRock Investment Management (Australia) Limited, BlackRock Investment Management (UK) Ltd, BlackRock Investment Management, LLC, BlackRock Japan Co Ltd and BlackRock Life Limited, BlackRock (Luxembourg) S.A., 55 East 52nd Street, New&nbsp;York, NY 10055. According to this Schedule 13G, BlackRock
  has sole voting power with respect to 27,692,231 shares of our common stock and sole dispositive power with respect to 29,317,893 shares of our common stock.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Invesco.</B> The information in the table above with respect to Invesco Ltd. (&#147;Invesco&#148;) is based on information set forth in Amendment No. 2 to Schedule 13G filed with the Securities and Exchange Commission on February 9, 2018 by Invesco on behalf of its subsidiaries Invesco Advisers, Inc. Invesco Investment
  Advisers, LLC and Invesco PowerShares Capital Management, LLC, 1555 Peachtree Street NE, Suite 1800, Atlanta, Georgia 30309. According to this Schedule 13G, Invesco has sole voting power with respect to 16,688,916 shares of our common stock and sole dispositive power with respect to 17,799,276 shares of
  our common stock.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>State Street.</B> The information in the table above with respect to State Street Corporation (&#147;State Street&#148;) is based on information set forth in Schedule 13G, filed with the Securities and Exchange Commission on February&nbsp;14, 2018 by State Street on behalf of its subsidiaries State Street Bank and Trust Company,
  SSGA Funds Management, Inc., State Street Global Advisor Trust Company, State Street Global Advisors Asia Ltd, State Street Global Advisors Singapore Ltd., State Street Global Advisors Limited, State Street Global Advisors GmbH, and State Street Global Advisors, Australia, State Street Financial Center, One
  Lincoln Street, Boston MA 02111. According to this document, State Street has shared voting power with respect to 16,813,805 shares of our common stock and shared dispositive power with respect to 16,813,805 shares of our common stock.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Vanguard.</B> The information in the table above with respect to The Vanguard Group, Inc. (&#147;Vanguard&#148;) is based on information set forth in Amendment No. 6 to Schedule 13G, filed with the Securities and Exchange Commission on February 9, 2018 by Vanguard, 100 Vanguard Boulevard, Malvern, Pennsylvania 19355.
  According to this Schedule&nbsp;13G, Vanguard has sole voting power with respect to 165,730 shares of our common stock, shared voting power with respect to 29,942&nbsp;shares of our common stock, shared dispositive power with respect to 171,802 shares of our common stock and sole dispositive power with respect to 25,423,000
  shares of our common stock.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The table below sets forth certain information concerning beneficial ownership of our common stock by each director and nominee, each executive officer named in the Summary Compensation Table, and the directors and executive officers as a group. The information in the table is as of December 31, 2017 except as
  otherwise noted in the notes to the table.</FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">25</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>STOCK OWNERSHIP INFORMATION</B></FONT></P>
</DIV>
<P align="center" style="margin:4.2mm 0 0; "><FONT style="font-family:sans-serif; font-size:4.5mm; "><B><a name=c90447_security2>Security Ownership of Management</a></B></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="bottom">
    <TD style="width:67.34%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:20.39%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:7.01%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Name of Beneficial Owner</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Amount and Nature<br>of Beneficial Ownership</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Percent<br>of Class</B></FONT></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="15" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">John C. Compton</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      74,477</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      *</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mark A. Emkes</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      45,103</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      *</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Peter N. Foss</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      68,712</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      *</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Corydon J. Gilchrist</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      71,331</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      *</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">D. Bryan Jordan</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      1,045,107</FONT></P></TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       (4)</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      *</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Michael E. Kisber(2)</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      717,288</FONT></P></TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       (4)</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      *</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">William C. Losch, III</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      311,207</FONT></P></TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       (4)</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      *</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Scott M. Niswonger</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      531,289</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      *</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Vicki R. Palmer</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      93,830</FONT></P></TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       (3)</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      *</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">David T. Popwell</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      351,318</FONT></P></TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       (4)</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      *</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Colin V. Reed</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      97,714</FONT></P></TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       (3)</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      *</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Cecelia D. Stewart</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      14,947</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      *</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Rajesh Subramaniam</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      3,407</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      *</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">R. Eugene Taylor</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      1,222,558</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      *</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Charles T. Tuggle, Jr.</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      311,235</FONT></P></TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       (4)</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      *</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Luke Yancy III</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      49,769</FONT></P></TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       (3)</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      *</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Directors and Executive Officers as a Group (20 persons)</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      5,757,216</FONT></P></TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       (4)</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      1.75</FONT></P></TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       %</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="15" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:16pt;" align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      *</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      No current individual director, nominee or executive officer beneficially owns more than one percent (1%) of our outstanding common stock or depositary shares.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:16pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      (1)</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      The respective directors, nominees and officers have sole voting and investment powers with respect to all of such shares except as specified in notes (3) and (4).</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:16pt;" align="right">&nbsp;</TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      The numbers of shares covered by stock options reported in the table have been adjusted proportionately to reflect the effects of dividends paid in common stock from October&nbsp;1, 2008 through January 1, 2011.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:16pt;" align="right">&nbsp;</TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      No current director or executive officer beneficially owns any of the depositary shares, each representing a 1/4000th interest in a share of non-cumulative perpetual preferred stock, Series A, issued by First Horizon on January 31, 2013.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:16pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      (2)</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      The share balance for Mr. Kisber does not include 27,994 shares deferred prior to January 2005 under our stock option program and our restricted stock incentive plan, which at that time permitted participants to defer receipt of shares upon the exercise of options and receipt of shares prior to the lapsing of
      restrictions imposed on restricted stock awards, respectively. These shares are not currently issued and are not considered to be beneficially owned for purposes of Rule 13d-3, but are reflected in a deferral account on our books as phantom stock units or restricted stock units.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:16pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      (3)</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Includes the following shares as to which the named non-employee directors have the right to acquire beneficial ownership through the exercise of stock options granted under our director plans, all of which are 100% vested or will have vested within 60 days of December&nbsp;31, 2017: Ms. Palmer&#151;45,282; and Mr.
      Yancy&#151;10,048.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:16pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      (4)</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Includes the following shares of restricted stock with respect to which the named person or group has sole voting power but no investment power: Mr. Losch&#151;11,064; Mr. Popwell&#151;14,005; Mr. Taylor&#151;108,303 and the director and executive officer group&#151;245,653. Includes the following shares as to which the named
      person or group has the right to acquire beneficial ownership through the exercise of stock options granted under our stock option plans, all of which are 100% vested or will have vested within 60 days of December 31, 2017: Mr. Jordan&#151;405,393; Mr. Kisber&#151;367,186; Mr. Losch&#151;143,121; Mr. Popwell&#151;151,451; Mr.
      Tuggle&#151;120,554 and the director and executive officer group&#151;1,480,399. Also includes shares held at December 31, 2017 in 401(k) Savings Plan accounts.</FONT></P>
    </TD>
  </TR>
</TABLE>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">26</FONT></P>
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<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>VOTE ITEM NO. 1&#151;ELECTION OF DIRECTORS</B></FONT></P>
</DIV>
<P style="margin:4.2mm 0 6.3mm; "><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B><a name=c90447_vote1>V</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>OTE</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> I</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>TEM</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> N</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>O</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B>. 1&#151;E</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>LECTION</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> </B></FONT>
<font style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>OF</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> D</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>IRECTORS</a></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Overview.</B> The Board of Directors is proposing for election all twelve of our current directors: Messrs. Compton, Emkes, Foss, Gilchrist, Jordan, Niswonger, Reed, Subramaniam, Taylor and Yancy and Mmes. Palmer and Stewart, at the 2018 annual meeting, to hold office until the 2019 annual meeting of shareholders
  and until their successors are duly elected and qualified. Messrs. Foss and Taylor were elected by the Board of Directors in November 2017 in connection with First Horizon&#146;s merger with Capital Bank Financial Corporation (&#147;Capital Bank&#148;). They were recommended as nominees for positions on our Board by Capital
  Bank and First Horizon pursuant to the provisions of the merger agreement between the two companies. If any nominee proposed by the Board of Directors is unable to accept election, which the Board of Directors has no reason to anticipate, the persons named in the enclosed form of proxy will vote for the election
  of such other persons as directed by the Board, unless the Board decides to reduce the number of directors pursuant to the Bylaws.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Identification and Nomination of Candidates. </B>The Board and the Nominating &amp; Corporate Governance Committee regularly assess the composition of the Board as a whole and the contributions of each director. The Nominating &amp; Corporate Governance Committee&#146;s charter assigns to that Committee the duty to
  identify individuals believed to be qualified to become Board members and to recommend to the Board the individuals to stand for election or reelection as directors. In nominating candidates, the Committee may take into consideration such factors as it deems appropriate, including personal qualities and
  characteristics, experience, accomplishments and reputation in the business community; current knowledge and contacts in the communities in which the company does business and in the company&#146;s industry or other industries relevant to the company&#146;s business; diversity of viewpoints, background, experience and
  other demographics; ability and willingness to commit adequate time to Board and committee matters; and the fit of the individual&#146;s skills and personality with those of other directors and potential directors in building a Board that is effective and responsive to its duties and responsibilities and the needs of the
  company.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Assessment of the Board&#146;s Composition.</B> At each of its regularly scheduled meetings, the Nominating &amp; Corporate Governance Committee reviews the composition of the Board as a whole, considering the mix of skills and experience that directors bring to the Board, and evaluates Board composition in light of the
  company&#146;s then-current business needs as well as applicable legal, regulatory and NYSE requirements. Among the areas considered by the Committee are each director&#146;s independence under the NYSE listing standards; experience, including experience as a public company officer or director; primary area of business
  expertise; geographical markets experience; and projected retirement date. In accordance with the requirements of the National Bank Act, the Committee also considers the proportion of directors who reside in Tennessee (or within 100 miles of Memphis). In light of this review, the Committee assesses whether the
  Board has the necessary tools to perform its oversight functions effectively and recommends, as appropriate, new nominees for consideration by the Board. The Board, with oversight provided by the Committee, also conducts an annual self-evaluation that includes an evaluation of whether Board members have an
  appropriately broad and diverse range of experience and whether committee members have the right expertise, background and skills to be effective and responsive to their duties and responsibilities as committee members.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Individual Director Evaluations.</B> The Nominating &amp; Corporate Governance Committee also conducts annual individual director evaluations. To facilitate these evaluations, the Board has adopted a Statement of Expectations of Directors. The Statement of Expectations contains specific activities and conduct each director
  should engage in or adhere to and includes consideration of each director&#146;s background, expertise and skills. The Statement of Expectations is provided to each new director at the time of orientation and to all directors once a year. Each year, the Nominating &amp; Corporate Governance Committee conducts evaluations
  against the Statement of Expectations of the performance of each non-employee director prior to determining whether to recommend him or her to the Board for renomination.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Board Experiences, Qualifications, Attributes and Skills.</B> Our Board selected our twelve director nominees based on the belief that each one brings significant experience and expertise that will serve First Horizon well. The breadth of their expertise and their mix of attributes is reflected in the table below. Following
  the table is a summary for each nominee of the particular experiences, qualifications, attributes or skills that led the Board to conclude that he or she should serve as a director of First Horizon, as well as the age, current principal occupation (which has continued for at least five years unless otherwise indicated), </FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">27</FONT></P>
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<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>VOTE ITEM NO. 1&#151;ELECTION OF DIRECTORS</B></FONT></P>
</DIV>
<P style="margin:2.1mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">name and principal business of the organization in which his or her occupation is carried on, directorships in other reporting companies (including those held in the past but not currently held), and year first elected to our Board. All of our directors are also directors of the Bank. Director committee appointments are
  disclosed below and in a table on page 15 in the &#147;Corporate Governance and Board Matters&#151;Committee Charters &amp; Committee Composition&#148; section of this proxy statement above.</FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">28</FONT></P>
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<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>VOTE ITEM NO. 1&#151;ELECTION OF DIRECTORS</B></FONT></P>
</DIV>
<P style="margin:8.4mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B>Our director nominees at a glance</B></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:19.37%;" align="center"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:19.37%;" align="center"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:19.37%;" align="center"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:19.37%;" align="center"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:19.37%;" align="center"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:8.7mm; color:#1496c4; ">
      8</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:8.7mm; color:#1496c4; ">
      5</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:8.7mm; color:#1496c4; ">
      4</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:8.7mm; color:#1496c4; ">
      10</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:8.7mm; color:#1496c4; ">
      2</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      have experience as a CEO/President*</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      have finance or<br>accounting<br>experience**</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      have experience<br>in the banking<br>industry</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      have served as a<br>director or<br>officer of another public company***</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      have&nbsp;experience<br>in&nbsp;information<br>technology<br>matters</B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="9" align="center" style="border-top:solid .27mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:8.7mm; color:#1496c4; ">
      1</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:8.7mm; color:#1496c4; ">
      12</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:8.7mm; color:#1496c4; ">
      4</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:8.7mm; color:#1496c4; ">
      8</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:8.7mm; color:#1496c4; ">
      5</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      has served in<br>government</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      have strategic planning/leadership experience</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      are diverse in<br>terms of race,<br>gender or<br>ethnicity</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      have marketing<br>and retail<br>distribution<br>experience</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      joined&nbsp;the&nbsp;Board<br>within&nbsp;the&nbsp;last<br>six years</B></FONT></P></TD>
  </TR>
</TABLE>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:13pt;" align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      *</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      CEO or president of a firm or major operating division</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:13pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      **</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      Audit committee financial expert, CFO, or background in accounting or financial planning and analysis</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:13pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      ***</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      Public company director or executive officer</FONT></P>
    </TD>
  </TR>
</TABLE>
<P style="margin-top:6.3mm; font-size:0; margin-bottom:3.1mm; margin-top:3.1mm; border-top:0.50pt solid ;">&nbsp;</P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:26.19%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 4mm; "><FONT style="font-family:sans-serif; font-size:4.3mm; "><B>John C. Compton</B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Partner at Clayton,<br>Dubilier &amp; Rice</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Independent director
      since&nbsp;2011</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Age 56</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Committees</B>:<br>Audit, Compensation,
      Executive &amp; Risk and
      Nominating &amp; Corporate
      Governance (chair) and the
      Bank&#146;s Trust Audit
      Committee</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; "> </FONT></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Compton is a Partner at Clayton, Dubilier &amp; Rice, a New York-based private equity firm. Prior to 2015, he was a private investor and consultant and served as an Operating Advisor to Clayton, Dubilier &amp; Rice. He served as CEO of Pilot Flying J, Knoxville, Tennessee, a national operator of travel centers, until
  February 2013. Prior to September 2012, he served for twenty-nine years in various senior leadership positions with PepsiCo Inc., a global food, snack and beverage company, including Chief Executive Officer of PepsiCo Americas Foods, President and CEO of Quaker, Tropicana, Gatorade and CEO of PepsiCo
  North America, culminating in his service as President of PepsiCo.</FONT></P>
<P style="margin:3.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Skills and Expertise</B>:</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD>
      <P style="margin:0 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Leadership experience at a public company</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">Experience in matters affecting public companies, including finance and accounting, employee matters, mergers and acquisitions, risk assessment, civic affairs, government relations, corporate governance, securities markets and compliance and similar matters</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">Extensive experience in sales, marketing, operations and general management</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">Knowledge of public company governance matters due to public company board service</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">East Tennessee resident with knowledge of the east Tennessee market</FONT></P>
</TD>
  </TR>
</TABLE>
<P style="margin:3.5mm 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Prior Public Company Board Service</B>: US Foods Holding Corp. (2015-2018); Pepsi Bottling Group (2008-2010)</FONT></P>
<P style="margin:3.5mm 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Non-Profit Board Service</B>: Serves on the board of two non-profit organizations.</FONT></P>
<P style="margin-top:2.1mm; font-size:0; margin-bottom:3.1mm; margin-top:3.1mm; border-top:0.50pt solid ;">&nbsp;</P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">29</FONT></P>
<p><hr color=#000000 noshade></p>
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<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:74%; min-height:23.04pt; margin-left:14%; margin-right:12%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>VOTE ITEM NO. 1&#151;ELECTION OF DIRECTORS</B></FONT></P>
</DIV>
<P style="margin-top:2.1mm; font-size:0; margin-bottom:3.1mm; margin-top:3.1mm; border-top:0.50pt solid ;">&nbsp;</P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
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    <TD style="width:26.19%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
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  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 4mm; "><FONT style="font-family:sans-serif; font-size:4.3mm; "><B>Mark A. Emkes</B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
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  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Retired Commissioner,
      Department of Finance and
      Administration, State of
      Tennessee and retired
      Chairman, Chief Executive
      Officer and President,
      Bridgestone Americas, Inc.</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
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    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Independent director
      since&nbsp;2008</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
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    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Age 65</FONT></P></TD>
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    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
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    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Committees</B>:<br>Audit (chair), Compensation
      and Information Technology
      and the Bank&#146;s Trust Audit
      Committee (chair)</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Audit Committee Financial
      Expert</FONT></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Emkes retired in May 2013 as the Commissioner of the Department of Finance and Administration of the State of Tennessee, a position he had served in since January 2011. Prior to his service as Commissioner, he served as the Chairman, Chief Executive Officer and President of Bridgestone Americas, Inc.
  and as a director of its parent company, Tokyo-based Bridgestone Corporation, a worldwide tire and rubber manufacturer.</FONT></P>
<P style="margin:3.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Skills and Expertise</B>:</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD>
      <P style="margin:0 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Leadership experience at a large subsidiary of a public company</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">Experience in governmental affairs</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">Experience in finance and accounting, employee matters, mergers and acquisitions, risk assessment, civic affairs, government relations, corporate governance and compliance and similar matters associated with leadership positions at public companies</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">Knowledge of public company executive compensation and governance matters due to public company board service</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">Nashville resident with knowledge of the Nashville market</FONT></P>
</TD>
  </TR>
</TABLE>
<P style="margin:4.2mm 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Other Current Public Company Board Service</B>: CoreCivic, Inc. (since 2014) (Chairman of the Board since 2016) and Greif, Inc. (since 2008)</FONT></P>
<P style="margin:4.2mm 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Prior Public Company Board Service</B>: Bridgestone Corporation (2004-2010) and Clarcor Inc. (2010-2017)</FONT></P>
<P style="margin:4.2mm 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Non-Profit Board Service</B>: Serves on the board of two non-profit organizations.</FONT></P>
<P style="margin-top:2.1mm; font-size:0; margin-bottom:3.1mm; margin-top:3.1mm; border-top:0.50pt solid ;">&nbsp;</P>
<P style="margin-top:2.1mm; font-size:0; margin-bottom:3.1mm; margin-top:3.1mm; border-top:0.50pt solid ;">&nbsp;</P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:26.19%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
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    <TD>
    <P style="margin:0 0 0 4mm; "><FONT style="font-family:sans-serif; font-size:4.3mm; "><B>Peter N. Foss</B></FONT></P></TD>
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    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
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    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">General Manager, GE/NFL
      Head Health Program</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
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    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Independent director
      since&nbsp;2017</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Age 74</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
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    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Committees</B>:<br>Audit and Nominating &amp;
      Corporate Governance and
      Bank&#146;s Trust Audit
      Committee</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; "> </FONT></P></TD>
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<P style="margin:2.1mm 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Foss is currently the general manager of the GE/NFL Head Health Program. Prior to his retirement in 2013, he served for 35 years in various leadership positions with General Electric Company, a global digital industrial company, including most recently as General Manager for Enterprise Selling and as President
  of the General Electric Company&#146;s Olympic Sponsorship and Corporate Accounts. Mr. Foss became a director of First Horizon and the Bank upon the closing of First Horizon&#146;s acquisition of Capital Bank Financial Corp. in 2017.</FONT></P>
<P style="margin:4.2mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Skills and Expertise</B>:</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD>
      <P style="margin:0 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Extensive managerial and sales experience</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">Senior level policy-making experience at a public company</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">Banking and financial services experience as a director of several banking organizations</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">Knowledge of public company audit, executive compensation and governance matters due to public company board service</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">North Carolina resident with knowledge of the North Carolina market</FONT></P>
</TD>
  </TR>
</TABLE>
<P style="margin:3.5mm 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Other Current Public Company Board Service: </B>Healthcare Trust of America, Inc. (since 2015)</FONT></P>
<P style="margin:3.5mm 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Prior Public Company Board Service</B>: Capital Bank Financial Corp. (2009-2017), Capital Bank Corp. (2011-2012), Green Bankshares, Inc. (2011-2012) and TIB Financial Corp. (2011-2012)</FONT></P>
<P style="margin:3.5mm 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Non-Profit Board Service</B>: Serves on the boards of two non-profit organizations.</FONT></P>
<P style="margin-top:2.1mm; font-size:0; margin-bottom:3.1mm; margin-top:3.1mm; border-top:0.50pt solid ;">&nbsp;</P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">30</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:74%; min-height:23.04pt; margin-left:14%; margin-right:12%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>VOTE ITEM NO. 1&#151;ELECTION OF DIRECTORS</B></FONT></P>
</DIV>
<P style="margin-top:2.1mm; font-size:0; margin-bottom:3.1mm; margin-top:3.1mm; border-top:0.50pt solid ;">&nbsp;</P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:26.19%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 4mm; "><FONT style="font-family:sans-serif; font-size:4.3mm; "><B>Corydon J. Gilchrist</B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Private investor and
      Chartered Financial Analyst</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Independent director
      since&nbsp;2012</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Age 47</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Committees</B>:<br>Audit, Executive &amp; Risk,
      Information Technology and
      Nominating &amp; Corporate
      Governance and the Bank&#146;s
      Trust Audit Committee</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; "> </FONT></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Gilchrist is a private investor and a Chartered Financial Analyst. From 2000 to 2011 he was a portfolio manager and partner at Marsico Capital Management. While at Marsico, Mr. Gilchrist was the sole portfolio manager for Marsico&#146;s 21st Century Fund and the lead portfolio manager for Marsico&#146;s Global Fund.
  Before joining Marsico, he was a senior analyst and portfolio manager covering emerging markets at The Principal Financial Group.</FONT></P>
<P style="margin:4.2mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Skills and Expertise</B>:</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD>
      <P style="margin:0 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Extensive expertise in macro and micro investment analysis</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">Understanding of business value, business risk and strategic decision-making</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">Experience analyzing various matters, including finance and accounting, securities markets, corporate governance, mergers and acquisitions, and risk assessment, that affect public companies</FONT></P>
</TD>
  </TR>
</TABLE>
<P style="margin:4.2mm 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Non-Profit Board Service</B>: Serves on the boards of two non-profit organizations.</FONT></P>
<P style="margin-top:2.1mm; font-size:0; margin-bottom:3.1mm; margin-top:3.1mm; border-top:0.50pt solid ;">&nbsp;</P>
<P style="margin-top:2.1mm; font-size:0; margin-bottom:3.1mm; margin-top:3.1mm; border-top:0.50pt solid ;">&nbsp;</P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:26.19%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 4mm; "><FONT style="font-family:sans-serif; font-size:4.3mm; "><B>D. Bryan Jordan</B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Chairman of the Board,
      President and Chief
      Executive Officer of First
      Horizon and the Bank</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Chairman of the Board
      since 2012; director
      since&nbsp;2008</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Age 56</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Committees</B>:<br>Executive &amp; Risk</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; "> </FONT></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Jordan is Chairman of the Board, President and Chief Executive Officer of First Horizon and the Bank. He was elected Chairman of the Board of Directors in 2012 and has held the positions of President and Chief Executive Officer and director since 2008. Mr. Jordan was the Chief Financial Officer of First
  Horizon and the Bank from 2007 to 2008, and prior to that he served in various positions at Regions Financial Corporation and its subsidiary Regions Bank, including (beginning in 2002) as Chief Financial Officer. Prior to 2000, he held various finance and accounting related positions at Wachovia Corporation.</FONT></P>
<P style="margin:4.2mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Skills and Expertise</B>:</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD>
      <P style="margin:0 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Extensive experience in the banking and financial services industry</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">Experience in finance and accounting, employee matters, mergers and acquisitions, risk assessment, civic affairs, government relations, corporate governance, securities markets and compliance and similar matters associated with leadership positions at public companies</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">Knowledge of public company audit and governance matters due to public company board service</FONT></P>
</TD>
  </TR>
</TABLE>
<P style="margin:4.2mm 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Other Current Public Company Board Service</B>: AutoZone, Inc. (since 2013)</FONT></P>
<P style="margin:4.2mm 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Non-Profit Board Service</B>: Serves on the boards of several non-profit organizations.</FONT></P>
<P style="margin-top:2.1mm; font-size:0; margin-bottom:3.1mm; margin-top:3.1mm; border-top:0.50pt solid ;">&nbsp;</P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">31</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:74%; min-height:23.04pt; margin-left:14%; margin-right:12%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>VOTE ITEM NO. 1&#151;ELECTION OF DIRECTORS</B></FONT></P>
</DIV>
<P style="margin-top:2.1mm; font-size:0; margin-bottom:3.1mm; margin-top:3.1mm; border-top:0.50pt solid ;">&nbsp;</P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:26.19%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 4mm; "><FONT style="font-family:sans-serif; font-size:4.3mm; "><B>Scott M. Niswonger</B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Chairman and founder of
      Landair Transport, Inc.</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Independent director
      since&nbsp;2011</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Age 70</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Committees</B>:<br>Executive &amp; Risk, Nominating
      &amp; Corporate Governance,
      and the Bank&#146;s Trust
      Committee</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; "> </FONT></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Niswonger is the Chairman and founder of Landair Transport, Inc., a time-definite trucking, warehousing, and supply-chain management company. He previously served as Chief Executive Officer (until 2003) of Landair and as Chairman of the Board (until 2005) and Chief Executive Officer (until 2003) of Forward
  Air, Inc., which operated as one company with Landair until the two were separated into two public companies in 1998; Landair has since again become a private company.</FONT></P>
<P style="margin:4.2mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Skills and Expertise</B>:</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD>
      <P style="margin:0 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Leadership experience at two public companies</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">Extensive experience in matters affecting both public and private companies, including sales, marketing and logistics, finance and accounting, employee matters, mergers and acquisitions, risk assessment, civic affairs and government relations, corporate governance and securities markets and compliance</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">East Tennessee resident with knowledge of the east Tennessee market</FONT></P>
</TD>
  </TR>
</TABLE>
<P style="margin:4.2mm 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Prior Public Company Board Service</B>: Landair Transport, Inc. (1998-2003) and Forward Air, Inc. (1998-2005)</FONT></P>
<P style="margin:4.2mm 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Non-Profit Board Service</B>: Serves on the boards of several non-profit organizations.</FONT></P>
<P style="margin-top:2.1mm; font-size:0; margin-bottom:3.1mm; margin-top:3.1mm; border-top:0.50pt solid ;">&nbsp;</P>
<P style="margin-top:2.1mm; font-size:0; margin-bottom:3.1mm; margin-top:3.1mm; border-top:0.50pt solid ;">&nbsp;</P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:26.19%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 4mm; "><FONT style="font-family:sans-serif; font-size:4.3mm; "><B>Vicki R. Palmer</B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">President of The Palmer
      Group, LLC</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Independent director
      since&nbsp;1993</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Age 64</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Committees</B>:<br>Compensation (chair),
      Executive &amp; Risk</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; "> </FONT></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Ms. Palmer is the President of The Palmer Group, LLC, Atlanta, Georgia, a general consulting firm. Between 2004 and 2009, she served as Executive Vice President, Financial Services and Administration, Coca-Cola Enterprises Inc. (&#147;CCE&#148;), Atlanta, Georgia, a bottler of soft drink products. She was responsible for
  overseeing treasury, pension and retirement benefits, asset management, internal audit and risk management, was a member of CCE&#146;s Risk Committee, served on CCE&#146;s Senior Executive Committee and had oversight responsibility for CCE&#146;s enterprise-wide risk assessment process.</FONT></P>
<P style="margin:4.2mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Skills and Expertise</B>:</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD>
      <P style="margin:0 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Expertise in public company finance, risk management and administration</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">Senior level policy-making experience at a public company</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">Knowledge of public company audit and governance matters due to public company board service</FONT></P>
</TD>
  </TR>
</TABLE>
<P style="margin:4.2mm 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Other Current Public Company Board Service</B>: Haverty Furniture Companies Inc. (since 2001)</FONT></P>
<P style="margin:4.2mm 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Non-Profit Board Service</B>: Serves on the boards of several non-profit organizations.</FONT></P>
<P style="margin-top:2.1mm; font-size:0; margin-bottom:3.1mm; margin-top:3.1mm; border-top:0.50pt solid ;">&nbsp;</P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">32</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:74%; min-height:23.04pt; margin-left:14%; margin-right:12%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>VOTE ITEM NO. 1&#151;ELECTION OF DIRECTORS</B></FONT></P>
</DIV>
<P style="margin-top:2.1mm; font-size:0; margin-bottom:3.1mm; margin-top:3.1mm; border-top:0.50pt solid ;">&nbsp;</P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:26.19%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 4mm; "><FONT style="font-family:sans-serif; font-size:4.3mm; "><B>Colin V. Reed</B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Chairman of the Board and
      Chief Executive Officer of
      Ryman Hospitality
      Properties, Inc.</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Independent director
      since&nbsp;2006<br>Lead director</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Age 70</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Committees</B>:<br>Compensation, Executive &amp;
      Risk (chair)</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; "> </FONT></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Reed is the Chairman of the Board and Chief Executive Officer of Ryman Hospitality Properties, Inc. (&#147;Ryman&#148;), Nashville, Tennessee, a real estate investment trust. Ryman is the successor by merger to Gaylord Entertainment Company (&#147;Gaylord&#148;), a diversified hospitality and entertainment company whose
  conversion to a real estate investment trust and subsequent merger into Ryman was led by Mr. Reed. Mr. Reed was elected Chairman of the Board of Gaylord in 2005 and Chief Executive Officer in 2001.</FONT></P>
<P style="margin:4.2mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Skills and Expertise</B>:</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD>
      <P style="margin:0 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Leadership experience at a public company</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">Extensive experience in finance and accounting as well as employee matters, mergers and acquisitions, risk assessment, civic affairs, government relations, corporate governance, securities markets and compliance and similar matters associated with leadership positions at public companies</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">Knowledge of public company matters due to public company board service</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">Nashville resident with knowledge of the Nashville market</FONT></P>
</TD>
  </TR>
</TABLE>
<P style="margin:4.2mm 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Other Current Public Company Board Service</B>: Ryman Hospitality Properties, Inc. (since 2001)</FONT></P>
<P style="margin:4.2mm 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Prior Public Company Board Service</B>: Rite Aid Corporation (2003-2005)</FONT></P>
<P style="margin-top:2.1mm; font-size:0; margin-bottom:3.1mm; margin-top:3.1mm; border-top:0.50pt solid ;">&nbsp;</P>
<P style="margin-top:2.1mm; font-size:0; margin-bottom:3.1mm; margin-top:3.1mm; border-top:0.50pt solid ;">&nbsp;</P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:26.19%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 4mm; "><FONT style="font-family:sans-serif; font-size:4.3mm; "><B>Cecelia D. Stewart</B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Retired President of U.S.
      Consumer and Commercial
      Banking of Citigroup, Inc.</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Independent director
      since&nbsp;2014</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Age 59</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Committees</B>:<br>Audit, Information
      Technology (chair), and the
      Bank&#146;s Trust and Trust
      Audit Committees</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; "> </FONT></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Cecelia D. Stewart retired as the President of U.S. Consumer and Commercial Banking of Citigroup, Inc., a global diversified financial services holding company, in 2014. She had held that position since 2011. From 2009 to 2011, she was President of the retail banking group and CEO of Morgan Stanley Private
  Bank N.A. Ms. Stewart&#146;s career in banking began at Wachovia Bank N.A. in 1978, where she held a variety of regional banking positions, culminating in her service as Executive Vice President and Head of Retail and Small Business Banking from 2003 to 2008.</FONT></P>
<P style="margin:4.2mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Skills and Expertise</B>:</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD>
      <P style="margin:0 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Extensive experience in banking and financial services</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">Senior level policy-making experience at a public company</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">Experience in employee matters, finance and accounting, risk assessment, and similar matters associated with running a large division of a public company</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">Knowledge of public company executive compensation, information technology and other matters due to public company board service</FONT></P>
</TD>
  </TR>
</TABLE>
<P style="margin:4.2mm 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Other Current Public Company Board Service</B>: United States Cellular Corporation (since 2013)</FONT></P>
<P style="margin:4.2mm 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Non-Profit Board Service</B>: Serves on the board of a non-profit organization.</FONT></P>
<P style="margin-top:2.1mm; font-size:0; margin-bottom:3.1mm; margin-top:3.1mm; border-top:0.50pt solid ;">&nbsp;</P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">33</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:74%; min-height:23.04pt; margin-left:14%; margin-right:12%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>VOTE ITEM NO. 1&#151;ELECTION OF DIRECTORS</B></FONT></P>
</DIV>
<P style="margin-top:2.1mm; font-size:0; margin-bottom:3.1mm; margin-top:3.1mm; border-top:0.50pt solid ;">&nbsp;</P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:26.19%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 4mm; "><FONT style="font-family:sans-serif; font-size:4.3mm; "><B>Rajesh Subramaniam</B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Executive Vice President,
      Marketing and
      Communications, FedEx
      Services, Inc. and FedEx
      Corp.</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Independent director
      since&nbsp;2016</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Age 52</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Committees: </B><br>Audit, Information
      Technology, Nominating &amp;
      Corporate Governance, and
      the Bank&#146;s Trust Audit
      Committee</FONT></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Subramaniam is Executive Vice President, Marketing and Communications, FedEx Services, Inc. and FedEx Corp., Memphis, Tennessee, a provider of transportation, e-commerce and business services. From 2003 to 2006, Mr.&nbsp;Subramaniam was the President of FedEx Canada, and from 1999 to 2003, he served
  as Vice President of Marketing for FedEx&#146;s Asia Pacific business.</FONT></P>
<P style="margin:4.2mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Skills and Expertise</B>:</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD>
      <P style="margin:0 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Senior level policy-making experience at a public company</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">In-depth experience in marketing, public relations, communications, crisis management, corporate strategy, global pricing and revenue management, customer experience, portfolio management and innovation</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">Expertise in information technology, including leadership of digital transformation</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">Memphis resident with knowledge of the Memphis market</FONT></P>
</TD>
  </TR>
</TABLE>
<P style="margin:4.2mm 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Non-Profit Board Service:</B> Serves on the boards of several non-profit organizations.</FONT></P>
<P style="margin-top:2.1mm; font-size:0; margin-bottom:3.1mm; margin-top:3.1mm; border-top:0.50pt solid ;">&nbsp;</P>
<P style="margin-top:2.1mm; font-size:0; margin-bottom:3.1mm; margin-top:3.1mm; border-top:0.50pt solid ;">&nbsp;</P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:26.19%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 4mm; "><FONT style="font-family:sans-serif; font-size:4.3mm; "><B>R. Eugene Taylor</B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Vice Chairman of the Board
      of First Horizon and the
      Bank</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Director since 2017</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Age 70</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Committees:</B><br>Executive &amp; Risk</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; "> </FONT></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Taylor is the Vice Chairman of the Board of Directors of First Horizon and the Bank, a position he assumed upon the closing of First Horizon&#146;s acquisition of Capital Bank Financial Corp. (&#147;Capital Bank&#148;) in 2017. He served as Chairman of the Board of Directors and Chief Executive Officer of Capital Bank from
  2009 until 2017. Prior to 2009, Mr. Taylor spent 38 years at Bank of America Corporation, most recently as the Vice Chairman of the firm and President of Global Corporate &amp; Investment Banking.</FONT></P>
<P style="margin:4.2mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Skills and Expertise</B>:</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD>
      <P style="margin:0 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Extensive experience in the banking and financial services industry</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">Experience in finance and accounting, employee matters, mergers and acquisitions, risk assessment, civic affairs, government relations, corporate governance, securities markets and compliance and similar matters associated with leadership positions at public companies</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">Knowledge of public company executive compensation and governance matters due to public company board service</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">North Carolina resident with knowledge of the North Carolina market</FONT></P>
</TD>
  </TR>
</TABLE>
<P style="margin:4.2mm 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Other Current Public Company Board Service</B>: Sonic Automotive, Inc. (since 2015)</FONT></P>
<P style="margin:4.2mm 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Prior Public Company Board Service</B>: Capital Bank Financial Corp. (2009-2017), Capital Bank Corp. (2011-2012), Green Bankshares, Inc. (2011-2012) and TIB Financial Corp. (2011-2012)</FONT></P>
<P style="margin-top:2.1mm; font-size:0; margin-bottom:3.1mm; margin-top:3.1mm; border-top:0.50pt solid ;">&nbsp;</P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">34</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:74%; min-height:23.04pt; margin-left:14%; margin-right:12%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>VOTE ITEM NO. 1&#151;ELECTION OF DIRECTORS</B></FONT></P>
</DIV>
<P style="margin-top:2.1mm; font-size:0; margin-bottom:3.1mm; margin-top:3.1mm; border-top:0.50pt solid ;">&nbsp;</P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:26.19%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 4mm; "><FONT style="font-family:sans-serif; font-size:4.3mm; "><B>Luke Yancy III</B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Retired President and Chief
      Executive Officer of the
      MMBC Continuum</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Independent director
      since&nbsp;2001</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Age 68</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Committees</B>:<br>Audit and the Bank&#146;s Trust
      (chair) and Trust Audit
      Committees</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD>
    <P style="margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; "> </FONT></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Yancy retired as the President and Chief Executive Officer of the MMBC Continuum, Memphis, Tennessee, a non-profit organization that promotes minority and women business enterprises, in September 2017. Prior to 2000, Mr. Yancy was President, West Region, of AmSouth Bank and, prior to its acquisition by
  AmSouth in 1999, First American Bank.</FONT></P>
<P style="margin:4.2mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Skills and Expertise</B>:</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD>
      <P style="margin:0 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Experience in banking and financial services, including as commercial lending division head, group manager of business lending and consumer lending and senior credit officer</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">Wide-ranging ties in the mid-south community</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">Memphis resident with knowledge of the Memphis market</FONT></P>
</TD>
  </TR>
</TABLE>
<P style="margin:4.2mm 2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Non-Profit Board Service</B>: Serves on the boards of several non-profit organizations.</FONT></P>
<P style="margin-top:2.1mm; font-size:0; margin-bottom:3.1mm; margin-top:3.1mm; border-top:0.50pt solid ;">&nbsp;</P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>The Board of Directors unanimously recommends that the shareholders vote <u style="border-bottom: 0.50pt black;">for</u> the election of all director nominees as described in Item No. 1.</B></FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">35</FONT></P>
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<PAGE>

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<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>VOTE ITEM NO. 2&#151;VOTE ON TECHNICAL AMENDMENTS TO MODERNIZE OUR RESTATED CHARTER</B></FONT></P>
</DIV>
<P style="margin:4.2mm 0 6.3mm; "><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B><a name=c90447_vote2>V</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>OTE</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> I</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>TEM</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> N</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>O</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B>. 2&#151;V</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>OTE</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> </B></FONT>
<font style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>ON</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> T</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>ECHNICAL</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> A</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>MENDMENTS</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> </B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>TO</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> M</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>ODERNIZE</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> O</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>UR</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> R</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>ESTATED</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> C</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>HARTER</a></B></FONT></P>
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    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      General Description of the Proposed Amendments</B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
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<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Our Board of Directors has approved, and recommends your approval of, several technical amendments to modernize our Restated Charter (&#147;Charter&#148;). Our Charter was originally adopted in 1968. Since then, Tennessee corporate law has been updated and corporate practices have changed significantly, but our
  Charter has not been amended to reflect those changes. We are proposing amendments that would replace Articles&nbsp;5 and 11, delete Articles 7 and 8 and correct outdated cross-references in Articles 10 and 14. The amendments are described in greater detail below. On January 23, 2018, the Board approved and
  authorized the proposed amendments and directed that the amendments be submitted to a vote of the holders of common stock at the Annual Meeting. If our shareholders approve this Vote Item 2, we expect to file a Certificate of Amendment with the Tennessee Secretary of State as soon as practicable following
  shareholder approval. Upon filing of the Certificate with the Tennessee Secretary of State, the proposed amendments will become effective.</FONT></P>
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    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      Detailed Description of the Proposed Amendments</B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Amendments to Article 5</I></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Article 5 of the Charter states the purposes and powers of the company. In the style of 50 years ago, it is two pages long with many details no longer listed in Tennessee law and no longer required to be listed in the charter. Therefore, we propose replacing current Article 5 with the following:</FONT></P>
<P style="margin:2.1mm 0 0 7mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">5. PURPOSES AND POWERS.</FONT></P>
<P style="margin:2.1mm 0 0 7mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The Corporation is organized: to conduct one or more financial services businesses, including any and all related, ancillary, or supportive businesses; to own other companies or enterprises (or interests therein) which conduct financial services businesses, including any and all related, ancillary, or supportive
  businesses; to engage in any lawful act or activity for which corporations may be organized now or hereafter under the Tennessee Business Corporation Act or other statutes or law of Tennessee; and for every other lawful purpose or purposes. Except as provided otherwise in this Restated Charter, the
  Corporation has each and every power enumerated in or permitted now or hereafter by the statutes or law of Tennessee, and all powers ancillary thereto.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Article 5 of the Charter, as currently in effect, is included as part of Appendix B to this proxy statement.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Deletion of Articles 7 and 8</I></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Article 7 deals with the commencement of business. It is factually unnecessary. Article 8 states that First Horizon shareholders do not have pre-emptive rights. Current Tennessee law provides that shareholders automatically have no pre-emptive rights unless the charter provides otherwise. It is unnecessary to repeat in
  our Charter what Tennessee law already provides, and removing Article 8 will not change our shareholders&#146; rights in any respect. Therefore, we are proposing to delete both Articles 7 and 8 in their entirety.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Articles 7 and 8 of the Charter, as currently in effect, are included as part of Appendix B to this proxy statement.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Amendment to Article 10</I></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Article 10 of the Charter provides for serial preferred stock. The first paragraph contains a statutory cross-reference that is out of date and inconsistent in style with the other articles of the Charter. Therefore, we are proposing to update and modernize the cross-reference in the last sentence of the first paragraph as
  follows:</FONT></P>
<P style="margin:2.1mm 0 0 7mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">10. SERIAL PREFERRED STOCK.</FONT></P>
<P style="margin:2.1mm 0 0 7mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">[FIRST PARAGRAPH] * * * The Board of Directors shall have the authority to divide any or all such classes into series and, within the limitation of the statutes and law of Tennessee, particularly Section 48-16-102 of </FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">36</FONT></P>
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<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>VOTE ITEM NO. 2&#151;VOTE ON TECHNICAL AMENDMENTS TO MODERNIZE OUR RESTATED CHARTER</B></FONT></P>
</DIV>
<P style="margin:0 0 0 7mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">the Tennessee Business Corporation Act or any successor provision thereto, fix and determine the relative rights and preferences of the shares of any series so established.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The relevant portion of Article 10 of the Charter, as currently in effect, is included as part of Appendix B to this proxy statement.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Amendment to Article 11</I></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Article 11 of the Charter deals with the powers of the company. It contains substantial detail that is no longer required to be included in a corporate charter by Tennessee law. Only one power currently enumerated, that of the Board to remove any director for cause, must remain in the Charter if that power is to be
  preserved, and so it is included in the proposed replacement language. We are proposing to replace current Article 11 with the following:</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:20.04pt;">&nbsp;</TD>
    <TD style="width:18pt;" align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      11.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      MANAGEMENT BY BOARD OF DIRECTORS.</FONT></P>
    </TD>
  </TR>
</TABLE>
<P style="text-indent:6.7mm; margin:2.1mm 0 0 7mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">(a) All corporate powers shall be exercised by, and the business and affairs of the Corporation shall be managed under the direction of, the Board of Directors. The Board of Directors may exercise all powers conferred or permitted by the statutes or law of Tennessee.</FONT></P>
<P style="text-indent:6.7mm; margin:2.1mm 0 0 7mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">(b) Without in any way limiting any of the objects or purposes or powers of the Board of Directors, whether primary or secondary, it is hereby expressly declared and provided that the Board of Directors shall have the power to remove any director for cause, within the meaning of applicable statutes or law of
  Tennessee, by a vote of a majority of the entire Board of Directors.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Article 11 of the Charter, as currently in effect, is included as part of Appendix B to this proxy statement.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Amendment to Article 14</I></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Article 14 of our Charter limits the personal liability of directors as permitted by a particular Tennessee statute, section 48-12-102(b)(3) of the Tennessee Business Corporation Act. The limitation has three exceptions, one of which is a cross-reference to another section. The referenced section number has changed from
  48-18-304 to 48-18-302. Therefore, we propose to replace current Article 14 with the following:</FONT></P>
<P style="margin:2.1mm 0 0 7mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">14. DIRECTOR LIABILITY.</FONT></P>
<P style="margin:2.1mm 0 0 7mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">No director shall be personally liable to the Corporation or its shareholders for monetary damages for breach of fiduciary duty as director, except for liability (i) for any breach of the director&#146;s duty of loyalty to the Corporation or its shareholders, (ii) for acts or omissions not in good faith or which involve intentional
  misconduct or a knowing violation of law, or (iii) under Section 48-18-302, or any successor provision thereto, of the Tennessee Business Corporation Act.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Article 14 of the Charter, as currently in effect, is included as part of Appendix B to this proxy statement.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>The Board of Directors unanimously recommends that the shareholders vote <u style="border-bottom: 0.50pt black;">for</u> the approval of the proposed amendments to the Charter as described in Item No. 2.</B></FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">37</FONT></P>
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<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>VOTE ITEM NO. 3&#151;ADVISORY RESOLUTION TO APPROVE EXECUTIVE COMPENSATION</B></FONT></P>
</DIV>
<P style="margin:4.2mm 0 6.3mm; "><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B><a name=c90447_vote3>V</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>OTE</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> I</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>TEM</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> N</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>O</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B>. 3&#151;A</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>DVISORY</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> R</B></FONT>
<font style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>ESOLUTION</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> </B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>TO</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> A</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>PPROVE</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> E</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>XECUTIVE</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> C</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>OMPENSATION</a></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">First Horizon&#146;s executive compensation program received solid shareholder support last year and was approved, on an advisory basis, by 95.2% of the votes cast at the 2017 annual meeting. In accordance with SEC rules, we are again seeking a vote from our shareholders to approve, on an advisory basis, the compensation of
  our named executive officers as disclosed in this proxy statement. Highlights of our corporate performance in 2017 and the ways in which we link executive compensation to long-term performance are discussed below. The Compensation Discussion &amp; Analysis beginning on page 43 of this proxy statement provides a detailed
  discussion of 2017 compensation for our executive officers and related matters. We encourage you to review closely both that section and the tabular disclosure that follows it.</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
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    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      2017 Corporate Performance and Compensation Outcomes</B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">Our strategic and operating results in 2017 were outstanding. We completed three acquisitions&#151;of Capital Bank, Coastal Securities and Professional Mortgage Company, becoming the fourth largest regional bank in the Southeast with $41 billion in total assets and more than 800,000 customers. Compared with 2016,
  consolidated revenues grew 17%, while net interest income was up 24%. In 2017 we increased our common dividend rate by 29%, to 36 cents per year, and we increased it again in early 2018 by 33% to 48 cents per share.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Underlying our results were solid achievements in our core businesses of regional banking and fixed income in 2017. Fixed income average daily revenue was $696,000. Compared with 2016, regional banking pre-tax income increased by 36%, and average loans and average deposits were up 13% and 11%,
  respectively. We continued to discipline our deployment of resources based on economic profit (EP) principles and risk-adjusted return on capital analytics.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The Compensation Committee took these achievements and results into account in executive compensation decisions. Our compensation policies and practices are designed to align the interests of all of our employees, including our executives, with the interests of our shareholders. We seek to attract, retain, incent,
  and reward individuals who contribute to the long-term success of the company. Key practices linking performance to compensation include significant weighting of pay mix in favor of awards at risk for financial or market performance, meaningful share retention requirements for executives, and correlation of the payouts
  of financial performance awards with total returns to our shareholders. Details regarding these practices and their effects are discussed throughout the Compensation Discussion &amp; Analysis section of this proxy statement beginning on page 43.</FONT></P>
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    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
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    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      &#147;Say on Pay&#148; Resolution</B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Under Section 14A of the Securities Exchange Act, our shareholders are entitled to an advisory vote on the compensation of our named executive officers as disclosed in this proxy statement pursuant to the compensation disclosure rules of the Securities and Exchange Commission, including the Compensation
  Discussion &amp; Analysis, compensation tables and the related material. This advisory vote, commonly known as a &#147;say on pay&#148; proposal, gives our shareholders the opportunity to endorse or not endorse our executive pay program. At the 2017 annual meeting, our shareholders had the opportunity to cast an advisory vote
  on how frequently we should hold a &#147;say on pay&#148; vote. The Board recommended and the shareholders approved an annual frequency for the &#147;say on pay&#148; vote, and the Board subsequently determined that we would in fact conduct a &#147;say on pay&#148; vote at each annual meeting.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">We believe that the information we have provided in the Compensation Discussion &amp; Analysis, the executive compensation tables and the related disclosure contained in this proxy statement demonstrates that our executive compensation program was designed appropriately and is working to ensure management&#146;s
  interests are aligned with our shareholders&#146; interests to support the long-term success of First Horizon. Accordingly, the Board of Directors unanimously </FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">38</FONT></P>
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<PAGE>
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<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>VOTE ITEM NO. 3&#151;ADVISORY RESOLUTION TO APPROVE EXECUTIVE COMPENSATION</B></FONT></P>
</DIV>
<P style="margin:2.1mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">recommends that you vote in favor of the following resolution:</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">&#147;RESOLVED, that the holders of the common stock of First Horizon National Corporation (&#147;Company&#148;) approve, on an advisory basis, the compensation of the Company&#146;s executive officers named in the Summary Compensation Table of the Company&#146;s proxy statement for the 2018 annual meeting of shareholders as
  such compensation is disclosed in such proxy statement pursuant to the compensation disclosure rules of the Securities and Exchange Commission, including the Compensation Discussion &amp; Analysis, the executive compensation tables and the related disclosure contained in the proxy statement.&#148;</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Because your vote is advisory, it will not be binding upon the Board, and the vote on this item will not be construed as overruling a Board decision or as creating or implying any additional fiduciary duty by the Board. However, the Compensation Committee will take into account the outcome of the vote when
  considering future executive compensation arrangements.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>The Board of Directors unanimously recommends that the shareholders vote <u style="border-bottom: 0.50pt black;">for</u> Item No. 3.</B></FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">39</FONT></P>
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<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>VOTE ITEM NO. 4&#151;RATIFICATION OF APPOINTMENT OF AUDITORS</B></FONT></P>
</DIV>
<P style="margin:4.2mm 0 6.3mm; "><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B><a name=c90447_vote4>V</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>OTE</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> I</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>TEM</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> N</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>O</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B>. 4&#151;R</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>ATIFICATION</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> </B></FONT>
<font style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>OF</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> A</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>PPOINTMENT</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> </B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>OF</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> A</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>UDITORS</a></B></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      Appointment of Auditors for 2018</B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">KPMG LLP audited our annual consolidated financial statements for the year 2017. The Audit Committee has appointed KPMG LLP to be our auditors for the year 2018. Although not required by law, regulation or the rules of the New York Stock Exchange, the Board has determined, as a matter of good corporate
  governance and consistent with past practice, to submit to the shareholders as Vote Item No. 4 the ratification of KPMG LLP&#146;s appointment as our auditors for the year 2018, with the recommendation that the shareholders vote for Item No. 4. Representatives of KPMG LLP are expected to be present at the annual
  meeting of shareholders with the opportunity to make a statement and to respond to appropriate questions. The 2017 engagement letter with KPMG LLP was subject to alternative dispute resolution procedures. If the shareholders do not vote to ratify KPMG LLP&#146;s appointment as our auditors for the year 2018, the
  Board of Directors will consider what course of action would be appropriate.</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      Fees Billed to Us by Auditors during 2016 and 2017</B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The table below and the paragraphs following it provide information regarding the fees billed to us by KPMG LLP during 2016 and 2017 for services rendered in the categories of audit fees, audit-related fees, tax fees and all other fees.</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="bottom">
    <TD style="width:73.99%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:10.37%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:10.37%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="15" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="center">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      2016</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      2017</B></FONT></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="15" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Audit Fees</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       1,991,000</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       2,871,230</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Audit-Related Fees</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      268,500</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      287,898</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Tax Fees</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      95,000</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      190,000</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">All Other Fees</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      0</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      0</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="15" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Total</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       2,354,500</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       3,449,128</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="15" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Audit Fees.</B> Represents the aggregate fees billed to us by KPMG LLP for professional services rendered for the audit of our consolidated financial statements, including the audit of internal controls over financial reporting, and review of our quarterly financial statements or for services that are normally provided by
  KPMG LLP in connection with statutory and regulatory filings or engagements, including registration statements and offerings, and acquisition-related audit procedures.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Audit-Related Fees.</B> Represents the aggregate fees billed to us by KPMG LLP for assurance and related services that are reasonably related to the performance of the audit or review of our consolidated financial statements and that are not reported under &#147;Audit Fees&#148; above. The amount for both years consists of
  fees for audits of subsidiaries, compliance attestation and other procedures and reports on controls placed in operation and tests of operating effectiveness.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Tax Fees.</B> Represents the aggregate fees, if any, billed to us by KPMG LLP for professional services for tax compliance, tax advice, and tax planning. The amounts for 2016 and 2017 consist of fees for assistance with tax research and tax consulting services.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>All Other Fees.</B> Represents the aggregate fees (if any) billed to us by KPMG LLP for products and services other than those reported under the three preceding paragraphs.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">None of the services provided to us by KPMG LLP and described in the paragraphs entitled &#147;Audit-Related Fees,&#148; &#147;Tax Fees&#148; and &#147;All Other Fees&#148; above were approved pursuant to the de minimis exception of SEC Rule 2-01(c)(7)(i)(C).</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      Policy on Pre-Approval of Audit &amp; Non-Audit Services</B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The Audit Committee has adopted a policy providing for pre-approval of all audit and non-audit services to be performed by KPMG LLP, as the registered public accounting firm that performs the audit of our consolidated financial statements that are filed with the SEC. Services either may be </FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">40</FONT></P>
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<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>VOTE ITEM NO. 4&#151;RATIFICATION OF APPOINTMENT OF AUDITORS</B></FONT></P>
</DIV>
<P style="margin:2.1mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">approved in advance by the Audit Committee specifically on a case-by-case basis (&#147;specific pre-approval&#148;) or may be approved in advance (&#147;advance pre-approval&#148;). Advance pre-approval requires the Committee to identify in advance the specific types of services that may be provided and the fee limits applicable to such
  types of services, which limits may be expressed as a limit by type of service or by category of services. All requests to provide services that have been pre-approved in advance must be submitted to the Chief Accounting Officer prior to the provision of such services for a determination that the service to be provided
  is of the type and within the fee limit that has been pre-approved. Unless the type of service to be provided by KPMG LLP has received advance pre-approval under the policy and the fee for such service is within the limit pre-approved, the service will require specific pre-approval by the Committee.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The terms of and fee for the annual audit engagement must receive the specific pre-approval of the Committee. &#147;Audit,&#148; &#147;Audit-related,&#148; &#147;Tax,&#148; and &#147;All Other&#148; services, as those terms are defined in the policy, have the advance pre-approval of the Committee, but only to the extent those services have been specified by the Committee and only in amounts that do not exceed the fee limits specified by the Committee. Such advance pre-approval shall be for a term of 12 months following the date of pre-approval unless the Committee specifically
  provides for a different term. Unless the Committee specifically determines otherwise, the aggregate amount of the fees pre-approved for All Other services for the fiscal year must not exceed seventy-five percent (75%) of the aggregate amount of the fees pre-approved for the fiscal year for Audit services, Audit-related
  services, and those types of Tax services that represent tax compliance or tax return preparation.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The policy delegates the authority to pre-approve services to be provided by KPMG LLP, other than the annual audit engagement and any changes thereto, to the chair of the Committee. The chair may not, however, make a determination that causes the 75% limit described above to be exceeded. Any service
  pre-approved by the chair will be reported to the Committee at its next regularly scheduled meeting.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>The Board of Directors unanimously recommends that the shareholders vote <u style="border-bottom: 0.50pt black;">for</u> Item No. 4.</B></FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">41</FONT></P>
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<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>OTHER MATTERS</B></FONT></P>
</DIV>
<P style="margin:10.5mm 0 6.3mm; "><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B><a name=c90447_other1>O</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>THER</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> M</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>ATTERS</a></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The Board of Directors, at the time of the preparation and printing of this proxy statement, knew of no other business to be brought before the meeting other than the matters described in this proxy statement. If any other business properly comes before the meeting, the persons named in the enclosed proxy will have
  discretionary authority to vote all proxies in accordance with their best judgment.</FONT></P>
<P style="margin:12.7mm 0 6.3mm; "><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B><a name=c90447_shareholder2>S</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>HAREHOLDER</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> P</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>ROPOSAL</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> </B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>&amp;</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> N</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>OMINATION</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> D</B></FONT>
<font style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>EADLINES</a></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">If you intend to present a shareholder proposal at the 2019 annual meeting, it must be received by the Corporate Secretary, First Horizon National Corporation, P.O. Box 84, Memphis, Tennessee, 38101, not later than November 12, 2018, for inclusion in the proxy statement and form of proxy relating to that meeting.
  In addition, Sections 2.8 and 3.6 of our Bylaws provide that a shareholder who wishes to nominate a person for election to the Board or submit a proposal at a shareholders&#146; meeting must comply with certain procedures whether or not the matter is included in our proxy statement. These procedures require written
  notification to us, generally not less than 90 nor more than 120 days prior to the date of the shareholders&#146; meeting. If, however, we give fewer than 100 days&#146; notice or public disclosure of the shareholders&#146; meeting date to shareholders, then we must receive the shareholder notification not later than 10 days after the
  earlier of the date notice of the shareholders&#146; meeting was mailed or publicly disclosed. Shareholder proposals and nominations for election to the Board must be submitted to the Corporate Secretary. The shareholder must disclose certain information about the nominee or item proposed, the shareholder and any other
  shareholders known to support the nominee or proposal. Section 2.4 of our Bylaws provides that our annual meeting of shareholders will be held each year on the date and at the time fixed by the Board of Directors. The Board of Directors has determined that our 2019 annual meeting will be held on April 23, 2019.
  Thus, shareholder proposals submitted outside the process that permits them to be included in our proxy statement and director nominations must be submitted to the Corporate Secretary between December 24, 2018 and January 23, 2019, or the proposals will be considered untimely. Untimely proposals may be
  excluded by the Chairman or our proxies may exercise their discretion and vote on these matters in a manner they determine to be appropriate.</FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">42</FONT></P>
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<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>COMPENSATION DISCUSSION AND ANALYSIS</B></FONT></P>
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<P style="margin:4.2mm 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B><a name=c90447_compensation4>C</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>OMPENSATION</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> D</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>ISCUSSION</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> </B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>AND</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> A</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>NALYSIS</a></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">This CD&amp;A section of our proxy statement discusses and analyzes the compensation programs applicable to our senior executives. In particular, this section focuses on five of those executives, referred to as the &#147;Named Executive Officers&#148; or &#147;NEOs&#148;:</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:3.95%; margin-right:3.95%; width:92.10%;" >
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    <TD style="width:28.95%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:60.53%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
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    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Named Executive Officer</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Position</B></FONT></P></TD>
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  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="3" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
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    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      D. Bryan Jordan</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Chairman of the Board, President, and Chief Executive Officer</FONT></P></TD>
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  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      William C. Losch III</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Executive Vice President &#150; Chief Financial Officer</FONT></P></TD>
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    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Michael E. Kisber</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      President &#150; FTN Financial</FONT></P></TD>
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  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      David T. Popwell</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      President &#150; Banking</FONT></P></TD>
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  <TR valign="top">
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Charles T. Tuggle, Jr.</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Executive Vice President &#150; General Counsel</FONT></P></TD>
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    <TD colspan="3" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
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<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The Compensation Committee of the Board oversees compensation for all NEOs. For more information see &#147;The Compensation Committee&#148; beginning on page 18 of this proxy statement.</FONT></P>
<P style="margin:10.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B><a name=c90447_executive2>CD&amp;A Executive Highlights</a></B></FONT></P>
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    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
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    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      <a name=c90447_corporate3>2017 Financial &amp; Strategic Overview</a></B></FONT></P></TD>
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    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
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<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">We call our model for long-term financial performance targets the &#147;bonefish.&#148; We hope to achieve bonefish targets using organic expansion and improvement coupled with strategic acquisitions. Our &#147;head&#148; goal is achieving return on tangible common equity (ROTCE) of at least 15%. Key measures which support the
  bonefish head include: Return on assets (ROA); Efficiency ratio (Efficiency); Ratio of net charge-offs to average loans (NCO Ratio); and Net interest margin (NIM).</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Results for 2017 in those measures are presented below. Non-bonefish measures (earnings per share (EPS), return on equity (ROE), and loan growth) also are presented, for context. ROTCE and adjusted results are not in accord with generally accepted accounting principles (GAAP). The impacts of tax reform
  legislation and certain other notable items have been excluded from all adjusted results. Non-GAAP items are reconciled to GAAP items in Appendix C.</FONT></P>
<P align="center" style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.2mm; "><B>2017 Financial Highlights</B></FONT></P>
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    <TD style="width:21.05%;" align="center"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
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    <TD style="width:2.63%;" align="center"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:21.05%;" align="center"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%;" align="center"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
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    <TD style="width:21.05%;" align="center"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%;" align="center"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:21.05%;" align="center"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
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    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.5mm; "><B>
      EPS / Adj EPS<br>$0.65 / $1.11</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" valign="top" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.5mm; "><B>
      ROA / Adj ROA<br>0.59% / 0.96%</B></FONT><FONT style="font-family:sans-serif; font-size:2.8mm; "><B><I><br>Bonefish: 1.10% - 1.30%</I></B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.5mm; "><B>
      ROE / Adj ROE<br>6.2% / 10.7%</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" valign="top" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.5mm; "><B>
      ROTCE / Adj ROTCE<br>7.2% / 12.3%</B></FONT><FONT style="font-family:sans-serif; font-size:2.8mm; "><B><I><br>Bonefish: 15%+</I></B></FONT></P></TD>
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    <TD colspan="13" align="center" style="border-top:solid 4.2mm White; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
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    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.5mm; "><B>
      Efficiency / Adj Eff.<br>77% / 69%</B></FONT><FONT style="font-family:sans-serif; font-size:2.8mm; "><B><I><br>Bonefish: 60% - 65%</I></B></FONT></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD align="center"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.5mm; "><B>
      NCO Ratio<br>0.06%</B></FONT><FONT style="font-family:sans-serif; font-size:2.8mm; "><B><I><br>Bonefish: 0.20% - 0.60%</I></B></FONT></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD align="center"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.5mm; "><B>
      NIM<br>3.12%</B></FONT><FONT style="font-family:sans-serif; font-size:2.8mm; "><B><I><br>Bonefish: 3.25% - 3.50%</I></B></FONT></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD align="center"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" valign="middle" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.5mm; "><B>
      Avg. Loan Growth<br>10%</B></FONT></P></TD>
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<P align="center" style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.2mm; "><B>Strategic Acquisitions Closed in 2017</B></FONT></P>
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    <TD style="width:31.58%;" align="center" style="background:#d1eaf3; "><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%;" align="center"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:31.58%;" align="center" style="background:#d1eaf3; "><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%;" align="center"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:31.58%;" align="center" style="background:#d1eaf3; "><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
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    <TD align="center" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD align="center"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD align="center"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" style="background:#d1eaf3; ">&nbsp;</TD>
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    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      C</B></FONT><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>APITAL</B></FONT><FONT style="font-family:sans-serif; font-size:3.6mm; "><B> B</B></FONT><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>ANK</B></FONT></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD align="center"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      C</B></FONT><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>OASTAL</B></FONT><FONT style="font-family:sans-serif; font-size:3.6mm; "><B> S</B></FONT><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>ECURITIES</B></FONT></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD align="center"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      P</B></FONT><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>ROFESSIONAL</B></FONT><FONT style="font-family:sans-serif; font-size:3.6mm; "><B> M</B></FONT><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>ORTGAGE</B></FONT><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><br>C</B></FONT><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>OMPANY</B></FONT></P></TD>
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    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      $10 billion banking organization<br>with over 150 branches in four<br>Southeastern U.S. states</B></FONT></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD align="center"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      National leader in the trading,<br>securitization, and analysis of Small<br>Business Administration loans</B></FONT></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD align="center"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Leading provider of institutional<br>debt capital and commercial<br>mortgage loan servicing</B></FONT></P></TD>
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<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">43</FONT></P>
<p><hr color=#000000 noshade></p>
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<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>COMPENSATION DISCUSSION AND ANALYSIS</B></FONT></P>
</DIV>
<P align="center" style="margin:4.2mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.2mm; "><B>Snapshot of First Horizon at Year-End 2017</B></FONT></P>
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    <TD style="width:36.84%;" align="center"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%;" align="center"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:55.26%;" align="center"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
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    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Size</B></FONT></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD align="center"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Geographical Footprint</B></FONT></P></TD>
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    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      $41 billion Total Assets<br>$28 billion Total Loans<br>$31 billion Total Deposits<br>$6.5 billion market capitalization</B></FONT></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD align="center"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3" rowspan="5">&nbsp;</TD>
    <TD rowspan="5" align="center"><P><FONT style="font-family:sans-serif; "><B>
      <p align="center"><img src="c90447xvectorxmap.jpg" style="margin:0 0 0 0; border:   ;"></p></B></FONT></P></TD>
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  <TR valign="top">
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Market Position</B></FONT></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD align="center"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
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    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      4</B></FONT><FONT style="font-family:sans-serif; font-size:2.1mm; "><SUP><B>th</B></SUP></FONT><FONT style="font-family:sans-serif; font-size:3.1mm; "><B> largest regional bank in Southeast<br>More than 800,000 customers<br>#1 deposit market share in TN<br>96% customer retention in TN<br>4,500 FTN Financial customers</B></FONT></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD align="center"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
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</TABLE>
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    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
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    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      <a name=c90447_industry1>2017 Industry Operating Environment</a></B></FONT></P></TD>
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    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
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<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">During 2017 the environment for the financial services industry in the United States was mixed, with very low rates, coupled with slow but improving growth, driving key outcomes.</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      The Federal Reserve raised rates late in 2016 and three times in 2017, each time modestly. The still-low rate environment continues to compress margins and returns. The effects of the recent rate hikes, moderating that compression, have been somewhat countered by a flattening of the yield curve. Flattening occurs
      when the Fed&#146;s hikes in short-term rates are not fully matched by market hikes in long-term rates.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Credit quality continued to be stable with loan charge-offs at unusually low levels for many lenders in many sectors of the economy.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Economic expansion in the U.S. continued for an eighth year, still at a modest but positive pace.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Mortgage rates rose but continued to be very low. Housing values and transaction activity in many markets were stable or strong.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Infrastructure costs challenged all banks, driven by new technologies and continuing evolution in customer demand for them, as well as by technology security concerns.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Banks continued to focus heavily on improving efficiency. Variable cost control is a critical method to maintain profitability.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Consolidation within our industry, excluding the four largest U.S. banks, continued at moderate levels.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      The unemployment rate in the U.S. declined during the year to fairly low levels. Average wage growth remained low. Underemployment continued to be problematic.</FONT></P>
    </TD>
  </TR>
</TABLE>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      <a name=c90447_first1>First Horizon Transformation Since 2007</a></B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Before 2008 we embarked on a national expansion of our mortgage platform and had begun to open bank branches in selected mortgage markets. The mortgage business had been profitable, but created substantial losses starting in 2007, when that business experienced substantial disruptions world-wide and a
  serious recession followed. That year our CEO departed and, later in 2007, Bryan Jordan was hired as Chief Financial Officer.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">In 2008 we sold our mortgage businesses and Mr.&nbsp;Jordan was named CEO. Even with the businesses sold, however, we retained exposure for certain potential liabilities related to the businesses when we owned them. As the recession continued, losses from credit defaults and mortgage repurchases grew. By 2009
  legacy mortgage losses had become substantial.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">During 2009 Mr. Jordan, with many senior roles filled with new hires and newly-promoted persons, began to develop management tools around the concepts of economic profit (profit after deducting the cost of invested capital) and risk-adjusted return on invested capital. Although managing legacy losses was a
  substantial task, management&#146;s focus shifted to what we could control. These efforts led to the formulation of long-term primary and secondary financial goals which eventually became depicted in our &#147;bonefish&#148; diagram of long-term goals. The bonefish did not include goals for overall net income or shareholder </FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">44</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>COMPENSATION DISCUSSION AND ANALYSIS</B></FONT></P>
</DIV>
<P style="margin:2.1mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">returns, but instead focused on return on equity (which has since been replaced with return on tangible common equity). The &#147;head&#148; measure aligns with economic profit principles and discipline, which ultimately drive bottom line results and shareholder returns.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">As a result of these efforts, we divested a number of businesses and assets which did not &#147;pull their weight&#148; in terms of capital invested or risks taken. We invested resources with discipline, driven by expected economic profit or strong support of economically profitable endeavors. We cut expenses when it made
  economic sense. We ingrained this discipline throughout the organization, creating and refining management tools to capture data, from the bottom up, on which to base decisions and measure outcomes.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">As a result, our Board recognizes that our company has been transformed during Mr.&nbsp;Jordan&#146;s tenure. A decade ago we were forced to abandon our national expansion strategy and, as substantial losses mounted, our quarterly cash dividend was eliminated. Today our business is sound and growing. Although this
  transformation involved a long process with many steps, key events are highlighted below.</FONT></P>
<P align="center" style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.2mm; "><B>First Horizon Turn-Around<br>Timeline of Key Events</B></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:5.92%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:3.36%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:52.88%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:11.73%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:7.49%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:12.48%;" align="center"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Year</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Events</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Net Income<br>Avail. to<br>Common<br>($ in millions)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Year-end<br>stock<br>price</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Annual<br>Common<br>Div. Rate</B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="31" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      2Q:</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $690M common stock sale augments capital, increases common shares by &gt;50%</FONT></P></TD>
    <TD width="3" rowspan="3">&nbsp;</TD>
    <TD rowspan="3" valign="middle" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD rowspan="3" valign="middle" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD rowspan="3" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD rowspan="3" align="right" valign="middle" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       (199</FONT></P></TD>
    <TD rowspan="3" valign="middle" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       )</FONT></P></TD>
    <TD rowspan="3" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3" rowspan="3">&nbsp;</TD>
    <TD rowspan="3" valign="middle" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD rowspan="3" valign="middle" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD rowspan="3" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD rowspan="3" align="right" valign="middle" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       9.24</FONT></P></TD>
    <TD rowspan="3" colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3" rowspan="3">&nbsp;</TD>
    <TD rowspan="3" align="center" valign="middle" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Declined<br>from $0.80<br>to 0</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      2008</B></FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      3Q:</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Sale of national mortgage businesses, promotion of Bryan Jordan to CEO</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4Q:</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Enter TARP program</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      2009</B></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      FY:</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Loan losses climb due to the recession and collapse of real estate values.</FONT></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD valign="middle"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD valign="middle"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right" valign="middle"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       (329</FONT></P></TD>
    <TD valign="middle"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       )</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD valign="middle"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD valign="middle"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right" valign="middle"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       12.60</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center" valign="middle"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      0</FONT></P></TD>
  </TR>
  <TR>
    <TD rowspan="3" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD rowspan="3" colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD rowspan="3" align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      2010</B></FONT></P></TD>
    <TD rowspan="3" colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD valign="top" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" valign="top" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      2Q:</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD valign="top" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      First public presentation of the Bonefish long-term goals in earnings slides. &#147;Head&#148; goal was ROE &gt;15%; actual ROE in 2010 was a loss.</FONT></P></TD>
    <TD width="3" rowspan="3">&nbsp;</TD>
    <TD rowspan="3" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD rowspan="3" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD rowspan="3" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD rowspan="3" align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       (58</FONT></P></TD>
    <TD rowspan="3" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       )</FONT></P></TD>
    <TD rowspan="3" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3" rowspan="3">&nbsp;</TD>
    <TD rowspan="3" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD rowspan="3" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD rowspan="3" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD rowspan="3" align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       11.78</FONT></P></TD>
    <TD rowspan="3" colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3" rowspan="3">&nbsp;</TD>
    <TD rowspan="3" align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      0</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4Q:</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Repay TARP funds, exit program</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      FY:</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $190M repurchase loss accruals regarding legacy mortgage lending, primarily with GSEs</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      2011</B></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      FY:</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $160M repurchase loss accruals regarding legacy mortgage lending, primarily with GSEs</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       131</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       8.00</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $0.04</FONT></P></TD>
  </TR>
  <TR>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      2012</B></FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD valign="top" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" valign="top" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      FY:</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD valign="top" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $299M repurchase loss accruals regarding legacy mortgage lending, primarily with GSEs</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       (27</FONT></P></TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       )</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       9.91</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $0.04</FONT></P></TD>
  </TR>
  <TR>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      2013</B></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD valign="top"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right" valign="top"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      FY:</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD valign="top"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $170M repurchase loss accruals regarding legacy mortgage lending, including GSE settlements</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       21</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       11.65</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $0.20</FONT></P></TD>
  </TR>
  <TR>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      2014</B></FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD valign="top" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" valign="top" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      2Q:</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD valign="top" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      150</FONT><FONT style="font-family:sans-serif; font-size:2.4mm; "><SUP>th</SUP></FONT><FONT style="font-family:sans-serif; font-size:3.6mm; "> anniversary of First Tennessee Bank founding</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD valign="top" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD valign="top" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" valign="top" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       216</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD valign="top" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD valign="top" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" valign="top" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       13.58</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" valign="top" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $0.20</FONT></P></TD>
  </TR>
  <TR>
    <TD rowspan="2">&nbsp;</TD>
    <TD rowspan="2" colspan="2">&nbsp;</TD>
    <TD rowspan="2" align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      2015</B></FONT></P></TD>
    <TD rowspan="2" colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD valign="top"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right" valign="top"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      1Q:</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD valign="top"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $162M settlement with DOJ &amp; HUD regarding legacy FHA mortgage lending</FONT></P></TD>
    <TD width="3" rowspan="2">&nbsp;</TD>
    <TD rowspan="2">&nbsp;</TD>
    <TD rowspan="2"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD rowspan="2">&nbsp;</TD>
    <TD rowspan="2" align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       80</FONT></P></TD>
    <TD rowspan="2" colspan="2">&nbsp;</TD>
    <TD width="3" rowspan="2">&nbsp;</TD>
    <TD rowspan="2">&nbsp;</TD>
    <TD rowspan="2"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD rowspan="2">&nbsp;</TD>
    <TD rowspan="2" align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       14.52</FONT></P></TD>
    <TD rowspan="2" colspan="2">&nbsp;</TD>
    <TD width="3" rowspan="2">&nbsp;</TD>
    <TD rowspan="2" align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $0.24</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4Q:</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $0.4B TrustAtlantic Bank merger closed</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      2016</B></FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       221</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       20.01</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $0.28</FONT></P></TD>
  </TR>
  <TR>
    <TD rowspan="2">&nbsp;</TD>
    <TD rowspan="2" colspan="2">&nbsp;</TD>
    <TD rowspan="2" align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      2017</B></FONT></P></TD>
    <TD rowspan="2" colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD valign="top"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right" valign="top"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4Q:</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD valign="top"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $10B Capital Bank merger closed</FONT></P></TD>
    <TD width="3" rowspan="2">&nbsp;</TD>
    <TD rowspan="2">&nbsp;</TD>
    <TD rowspan="2"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD rowspan="2">&nbsp;</TD>
    <TD rowspan="2" align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       159</FONT></P></TD>
    <TD rowspan="2" colspan="2">&nbsp;</TD>
    <TD width="3" rowspan="2">&nbsp;</TD>
    <TD rowspan="2">&nbsp;</TD>
    <TD rowspan="2"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD rowspan="2">&nbsp;</TD>
    <TD rowspan="2" align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       19.99</FONT></P></TD>
    <TD rowspan="2" colspan="2">&nbsp;</TD>
    <TD width="3" rowspan="2">&nbsp;</TD>
    <TD rowspan="2" align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $0.36</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4Q:</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Tax reform triggers $82M of adverse tax adjustments</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      2018</B></FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      2Q:</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Expect to complete Capital Bank integration</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      na</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      na</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $0.48</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="31" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">45</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>COMPENSATION DISCUSSION AND ANALYSIS</B></FONT></P>
</DIV>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      <a name=c90447_alignment1>Alignment of Pay with Performance</a></B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Policies and Practices</I></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Our compensation policies and practices are designed to align the interests of our employees with the interests of our shareholders. We seek to attract, retain, incent, and reward individuals who contribute to our long-term success. Key practices linking performance to compensation include:</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><I>
      The Committee favors significant weighting of pay mix in favor of awards at risk for financial or market performance.</I> See &#147;CEO Pay and Performance&#148; and &#147;Relative Sizing &amp; Mix&#148; beginning on pages 43 and 53 for details.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; "><I>
      The Committee imposes a meaningful share retention requirement.</I> Our stock ownership guidelines extend the effective time horizon of our stock awards substantially, requiring executives to hold 50% of net after tax shares from awards until retirement after multiple-of-salary minimum ownership levels are attained
      (increasing to a 75% retention requirement if an executive holds less than the minimum ownership level).</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; "><I>
      The Committee strives to achieve correlation of payout with TSR, especially over longer time horizons.</I> Payouts of our financial-performance awards over the past several years have correlated well with total returns to our shareholders over the time periods covered by those awards. TSR did not directly drive payout;
      instead, this pattern shows that our financial performance metrics are well-linked to the interests of our shareholders.</FONT></P>
    </TD>
  </TR>
</TABLE>
<P style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>2017 Actions</I></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Key actions taken for 2017 implementing our pay-for-performance policies and practices were:</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><I>
      Bonus Metrics.</I> Early in 2017 the Committee established quantitative income and efficiency grids, directly tied to budget.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; "><I>
      PSU Metrics.</I> Early in 2017 the Committee granted PSUs which will rank our return-on-equity performance against a broad set of peer banks.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; "><I>
      Regular Annual Pay Mix.</I> For 2017, the structure and mix of regular annual pay components for executives remained strongly weighted in favor of at-risk features related to financial performance or our stock&#146;s market value. As discussed below, Mr. Jordan had 80% of his regular 2017 target package at-risk.</FONT></P>
    </TD>
  </TR>
</TABLE>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      <a name=c90447_pay2>CEO Pay and Performance</a></B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Jordan was recruited as CFO in 2007 and promoted to CEO in September 2008. As discussed above in &#147;First Horizon Transformation Since 2007&#148; beginning on page 44, during and since the financial crisis Mr. Jordan has led the restructuring of our company, the development and implementation of new
  strategies, and the recruitment of the current management team. He has emphasized improving economic profit and controlling cost. Our operating results have improved significantly during his tenure. The Compensation Committee considered his significant contributions when making decisions about his pay for 2017.
  In each of the past three years, Mr.&nbsp;Jordan has met or exceeded his personal goals. He provides consistent, critical leadership in these dynamic times.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The Committee believes that Mr. Jordan&#146;s leadership is known throughout the industry. He is a director or executive committee member of the Federal Reserve Bank of St. Louis, American Bankers Association, Mid-Size Bank Coalition of America, Tennessee Bankers Association, and Operation HOPE (which strives to
  provide banking services to financially or socially disadvantaged persons). In 2016 he was named CEO of the year by <I>Inside Memphis Business</I>, and was featured as a top-ten CEO in <I>American Banker</I>. These associations and recognitions reflect well on our company and enhance Mr. Jordan&#146;s connections to the
  financial services community.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Jordan&#146;s target-level pay is in line with FHN&#146;s peer group. His pay mix, the structure of the various components, is also consistent with that of company peers.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The Committee has weighted the pay mix of our NEOs heavily in favor of incentives tied to the <I>financial performance</I> of our company&#146;s operations and the <I>market performance</I> of our common stock. As illustrated in the following diagram, fully 80% of Mr. Jordan&#146;s regular pay package, measured at target, is at-risk in
  one or both of those areas:</FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">46</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>COMPENSATION DISCUSSION AND ANALYSIS</B></FONT></P>
</DIV>
<P align="center" style="margin:4.2mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.2mm; "><B>CEO Pay At Risk for Performance</B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><p align="center"><img src="c90447xflowchart1.jpg" style="margin:0 0 0 0; border:   ;"></p></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Performance and pay mix have both short-term and long-term components. The relationship of these components to each other, and to our total shareholder return (TSR), is illustrated in the four charts that follow. TSR consists of stock price performance plus reinvested dividends.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The first two charts show total regular short-term compensation paid to the CEO in recent years and TSR over the same period. For this purpose, short-term pay is limited to cash salary, salary stock units (SSUs) measured at grant (2012-13 only), and total earned annual bonus. Those components have short time
  horizons, and they are especially sensitive to the annual changes in financial performance and environmental circumstances that tend to impact TSR in the short term. The trend in regular short-term CEO pay in the past three years, after SSUs were discontinued, has been aligned with the trend in our TSR.</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:48.68%;" align="center"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:48.68%;" align="center"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="3" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      <p align="center"><img src="c90447xlinechart1.jpg" style="margin:0 0 0 0; border:   ;"></p></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; ">
      <p align="center"><img src="c90447xlinechart2.jpg" style="margin:0 0 0 0; border:   ;"></p></FONT></P></TD>
  </TR>
</TABLE>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      *</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      In 2012 and 2013 we used an SSU program as a retention incentive, reducing other pay components compared to current levels. Bonus opportunity increased when the program ended.</FONT></P>
    </TD>
  </TR>
</TABLE>
<P style="margin-top:2.1mm; font-size:0; margin-bottom:3.1mm; margin-top:3.1mm; border-top:0.50pt solid ;">&nbsp;</P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Despite environmental headwinds and market volatility, an investment in our common stock at the end of 2012 more than doubled in value by the end of 2017. TSR partly is driven by our dividend rate, which grew over this period, but mainly is driven by our stock price. Stock prices are largely a reflection of investor
  expectations for the company&#146;s future.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Our earnings during many of the years shown have been impacted significantly, and somewhat unpredictably, by &#147;non-strategic&#148; obligations associated with legacy mortgage-related businesses. Earnings in our regional banking business generally have improved during this period even though lending margins have been
  squeezed by the low rate environment and fee </FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">47</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>COMPENSATION DISCUSSION AND ANALYSIS</B></FONT></P>
</DIV>
<P style="margin:2.1mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">revenues have been reduced by regulatory and market pressures. Earnings in our fixed income business have been reduced during much of this period mainly due to the rate environment, with some volatility. Although our stock price has been volatile during this period, impacting TSR in the short term, over these
  years our stock price has been less severely impacted by the factors mentioned above than our earnings have been.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The next two charts compare actual payouts of bonus and regular performance stock unit (PSU) awards and our TSR during the award timeframes. The first chart shows the percentage of annual MIP target bonus paid to our CEO in each of the years 2012 to 2017 alongside the TSR we achieved during the calendar
  year covered by the bonus. The second chart shows the percentage of target earned for those regular PSUs that vested during 2012-2017 alongside the TSR we achieved during each PSU&#146;s lifetime. A regular PSU&#146;s lifetime runs from grant to initial vesting, roughly three years for each award. In each case the TSR
  base level is set at 100%; a positive return is added to 100%, and a negative return is subtracted from that level.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The charts show that the percentage earned is aligned with the TSR achieved during the same period. Specifically, bonuses have tended to be above 100% of target only when single-year TSR has been quite strong, and regular PSU payout percentages have tended to fall and rise in step with the TSR achieved
  during each PSU&#146;s lifetime.</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:48.68%;" align="center"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:48.68%;" align="center"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="3" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      <p align="center"><img src="c90447xbarchart1.jpg" style="margin:0 0 0 0; border:   ;"></p></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; ">
      <p align="center"><img src="c90447xbarchart2.jpg" style="margin:0 0 0 0; border:   ;"></p></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="3" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">TSR has not been used as a performance goal in our regular annual MIP bonus and PSU awards (though it has been used in a few special long-term awards). The alignment of regular MIP bonus and PSU outcomes with TSR over corresponding time periods illustrates that the performance goals set by the
  Committee, and the Committee&#146;s exercise of discretion in administering those programs, have, over time, aligned well with significant growth of shareholder value.</FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">48</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>COMPENSATION DISCUSSION AND ANALYSIS</B></FONT></P>
</DIV>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      <a name=c90447_alignment2>Alignment with Governance Principles</a></B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Our executive compensation practices embrace many best practice corporate governance principles.</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:48.68%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:48.68%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Practices We Employ Include</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Practices We Avoid or Prohibit Include</B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="3" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:2.63%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:46.54%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:46.54%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      </FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      <font face="Wingdings 2">&#80;</font></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Performance-based (at-risk) and stock-based pay emphasized</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; color:#1496c4; ">
      </FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      <font face="Wingdings">&#251;</font></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Tax gross-up features*</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      </FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      <font face="Wingdings 2">&#80;</font></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Performance measures drive shareholder value</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; color:#1496c4; ">
      </FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      <font face="Wingdings">&#251;</font></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Stock option repricings</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      </FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      <font face="Wingdings 2">&#80;</font></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Performance measures emphasize controllable outcomes</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; color:#1496c4; ">
      </FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      <font face="Wingdings">&#251;</font></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Discount-priced stock options</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      </FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      <font face="Wingdings 2">&#80;</font></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Committee use of independent compensation consultant</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; color:#1496c4; ">
      </FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      <font face="Wingdings">&#251;</font></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Single-trigger change in control payouts</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      </FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      <font face="Wingdings 2">&#80;</font></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Meaningful share ownership requirements</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; color:#1496c4; ">
      </FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      <font face="Wingdings">&#251;</font></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Employment agreements</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      </FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      <font face="Wingdings 2">&#80;</font></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Require holding 50% of after-tax vested stock awards during career with the company, rising to 75% if multiple-of-salary minimum stock ownership levels are
      not met</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; color:#1496c4; ">
      </FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      <font face="Wingdings">&#251;</font></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Hedging transactions in First Horizon stock (<I>e.g.</I>, trading derivatives, taking short positions, or hedging long positions)</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      </FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      <font face="Wingdings 2">&#80;</font></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Double-trigger on change in control features and agreements (CIC event plus qualifying termination)</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; color:#1496c4; ">
      </FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      <font face="Wingdings">&#251;</font></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Personal use of corporate aircraft**</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      </FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; color:#1496c4; ">
      <font face="Wingdings 2">&#80;</font></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Clawbacks if financial results relevant to cash or stock performance awards are restated under various circumstances</FONT></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="17" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:9pt;" align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      *</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      An excise tax gross-up feature is grandfathered in certain older change-in-control severance agreements, but has not been used in new agreements since 2008.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:9pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      **</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      The CEO&#146;s spouse is permitted to accompany the CEO on business flights.</FONT></P>
    </TD>
  </TR>
</TABLE>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      <a name=c90447_overview2>Overview of Direct Compensation Components</a></B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Unchanged from 2016, the major components of executive compensation in 2017 consisted of cash salary, annual bonus under our Management Incentive Plan (MIP), and annual stock awards granted under our Equity Compensation Plan (ECP). Executive stock awards in 2017 consisted of performance stock units
  (PSUs), stock options, and restricted stock units (RSUs).</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The key corporate performance measure for 2017 cash bonuses was based on consolidated pre-tax earnings. The key performance measure for 2017 PSUs was based on return on equity (ROE) for our core segments measured in relation to certain peer banks over three years. The following presents an overview of
  the direct compensation components for our NEOs.</FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">49</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>COMPENSATION DISCUSSION AND ANALYSIS</B></FONT></P>
</DIV>
<P align="center" style="margin:4.2mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.2mm; "><B><a name=c90447_first43>Regular Direct Compensation Components in 2017</a></B></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:19.74%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:37.50%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:37.50%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Component</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Primary Purpose</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Key Features</B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="5" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Cash salary</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Provide competitive baseline compensation to attract and retain executive talent.</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Salaries are determined based on prevailing market levels with adjustments for individual factors such as performance, experience, skills, and
      tenure.</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="5" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Annual cash
      bonus under MIP</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Create a financial incentive for achieving or exceeding one-year company and/or team goals.</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      For the NEOs except Mr. Kisber, the key metric was adjusted pre-tax earnings coupled with several non-numeric factors, including earnings quality
      and risk management. For Mr.&nbsp;Kisber the key metric was adjusted pre-tax earnings for our fixed income segment. See &#147;Annual MIP Bonus&#148; starting
      on page 55 for details.</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="5" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Annual stock
      awards: PSUs,
      stock options,
      and RSUs</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Provide performance and service-vested equity-based long-term incentives that reward achievement of specific corporate goals, provide a retention
      incentive, and promote alignment with shareholders&#146; interests.</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      PSU payout depends upon our core ROE ranking relative to peers during the performance period 2017-19. After final performance is determined in
      2020, PSUs are paid in stock in 2022, following a mandatory two-year deferral period. Stock options are priced at market, vest annually over four
      years, and have seven-year terms. RSUs vest after three years and are paid in shares of stock. See &#147;Stock Awards&#148; starting on page 59 for
      details.</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="5" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:10.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B><a name=c90447_compensation5>Compensation Practices &amp; Philosophies</a></B></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      <a name=c90447_retention1>Retention and Competition</a></B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Our compensation programs are designed to attract and retain a talented workforce. We recruit from a broad talent pool. Our people in turn may be recruited by competitors, other financial services firms, and firms in other industries. The total compensation opportunity we provide at each level is designed to be
  competitive so that over the long term we reduce the risk of losing our best people.</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      <a name=c90447_use1>Use of Peer Bank Data</a></B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The Compensation Committee reviews the compensation practices of a peer group of selected U.S. banks of roughly comparable size and business mix (Peer Banks). The peer review helps our programs remain competitive. For many years the Committee has considered specific data from Peer Banks in setting the
  compensation components for our executives. The Peer Banks used in 2017 were fourteen regional financial services companies selected by the Committee, shown in the diagram below. The Peer Bank group is adjusted periodically in response to changes in our company or the industry, but was unchanged for 2017.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Late in 2017 we acquired Capital Bank, which increased our asset size by roughly one-third. Overall, we have increased our asset size by more than 60% since 2012, and our business mix has shifted toward traditional banking services. For 2018 the Committee fully reconsidered our Peer </FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">50</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>COMPENSATION DISCUSSION AND ANALYSIS</B></FONT></P>
</DIV>
<P style="margin:2.1mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">Bank list, re-evaluating our current size, business mix, and target markets. As a result, for 2018 we removed three banks and added two, for thirteen Peer Banks total. The change in Peer Banks used in 2017 versus 2018 is illustrated in this diagram:</FONT></P>
<P align="center" style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.2mm; "><B>Changes to Peer Bank List from 2017 to 2018</B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><p align="center"><img src="c90447xflowchart2.jpg" style="margin:0 0 0 0; border:   ;"></p></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      *</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      City National and First Niagara have been acquired. Pre-acquisition compensation data was included in the Peer Bank data we used to create 2017 awards, but these banks were not included in performance determinations.</FONT></P>
    </TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The Committee uses peer and other market data to help establish the size and terms of the components of direct compensation for executives. Salary is targeted at the median of the market for each position. Actual salaries may be higher or lower than median based on individual factors&#151;performance, experience,
  skills, and tenure&#151;or retention needs. Bonus opportunities and equity awards are targeted similarly: target-level compensation is intended to be paid for median performance, and maximum compensation is intended to be paid for top-quartile performance.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">For special compensation components, including retention awards and individual retirement and severance arrangements, relevant market data often is not available. In those cases the Committee relies on recommendations from management (for awards other than to the CEO) along with external advice from the
  Committee&#146;s independent consultant to determine the types, amounts, or terms of such benefits that are reasonable and appropriate for the circumstances.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The Total Shareholder Return Performance Graph (&#147;TSR graph&#148;) that appears in our annual report to shareholders (on page </FONT><FONT style="font-size:3.6mm; ">&#149;<FONT style="font-family:sans-serif; "> of that report) uses the published Keefe, Bruyette &amp; Woods regional banking index (ticker symbol KRX) against which to compare our TSR. The KRX index encompasses fifty regional U.S.
  banks, including us. The annual PSU awards granted to executives in 2017 used the KRX index banks as the group against which our core-segment ROE will be ranked over the three-year performance period of those awards. The Committee believes that, in the context of a multi-year financial performance award, the
  KRX index provides a larger, and more stable, group representing &#147;the industry&#148; against which to measure our performance, even though many of those banks would not be appropriate for benchmarking compensation practices.</FONT></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      <a name=c90447_impact1>Impact of Shareholder Vote on Compensation</a></B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The Compensation Committee made nearly all key decisions regarding 2017 compensation for the NEOs early in the year. At that time the Committee knew the outcome of the vote for the shareholder advisory resolution on executive compensation at the 2016 annual meeting: &#147;For&#148; received 98.2% of the shares
  voted, similar to the results in 2015 and 2014. The 2016 outcome was part of the mix of factors considered by the Committee early in 2017, and had no direct or separately identifiable effect on Committee decisions. Although not considered by the Committee in relation to 2017 awards, at the 2017 annual meeting
  &#147;For&#148; received 95.2% of the shares voted. We view these levels of shareholder support for our executive compensation program as indicative of broad shareholder agreement with the philosophy and policies on which our executive compensation program is premised.</FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">51</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>COMPENSATION DISCUSSION AND ANALYSIS</B></FONT></P>
</DIV>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      <a name=c90447_stock2>Stock Ownership Guidelines</a></B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Under our stock ownership guidelines all NEOs and directors are required to retain 50% of the net after-tax shares received from stock awards. The retention level increases to 75% unless certain minimum stock ownership levels are met. The retention requirement applies during the rest of their careers with us, except
  that executives who reach age 55 are permitted to sell shares held at least three years to diversify ahead of retirement. Supportive of the guidelines, a separate policy prohibits hedging our stock.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The CEO&#146;s minimum ownership level under the guidelines is six times cash salary. The levels for the other named executives are two or three times their respective cash salaries, depending upon position. Director levels generally are five times cash base retainer, and the Vice Chairman&#146;s level is six times cash salary.
  For this purpose, fully-owned shares, restricted stock, RSUs paid in shares, and shares held in tax-deferred plans are counted, while PSUs, stock options, and RSUs paid in cash are not counted.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">We intend for the combined emphasis on corporate performance in setting executive compensation and meaningful stock retention to strongly link the interests of our executives with those of our shareholders.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Guideline ownership levels are assessed annually in the third quarter. In the 2017 assessment, all NEOs exceeded guideline ownership levels and all complied with the retention requirement.</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      <a name=c90447_clawback1>Clawback Policy &amp; Practices</a></B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Performance compensation under the MIP, ECP, or otherwise that is paid based on erroneous financial data is recoverable under our Compensation Recovery Policy if the recipient caused the error or is responsible for the data&#146;s accuracy. Additional clawback provisions apply to most types of stock awards if: certain
  misconduct occurs, such as fraud or solicitation; grant or payment of an award is based on erroneous financial data; or employment is terminated for cause. The look-back period for recovery generally is two years after vesting.</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      <a name=c90447_use2>Use of Compensation Consultants</a></B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The Committee continued its engagement of an independent consulting firm, Frederic W. Cook &amp; Co., Inc. (&#147;FW Cook&#148;), to provide analysis and advice on all executive compensation-related matters (including assessment of peer groups, competitive market data, pay mix, and compensation design). Among other things,
  FW Cook assists the Committee in its reviews of compensation program actions recommended by management. FW Cook has no other relationships with the company or management. Key engagement items for FW Cook in 2017 were:</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Review written Committee meeting materials.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Confer with the Committee chair and management regarding compensation matters.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Annually meet with the Committee (July).</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Advise the Committee regarding executive programs under the ECP and MIP.</FONT></P>
    </TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">In 2017 management engaged an external compensation consultant, McLagan, mainly to conduct an updated competitive pay assessment for executives and for peer metrics.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Additional information concerning our use of compensation consultants appears under the caption &#147;The Compensation Committee&#151;Use of Consultants&#148; on pages 19-20 of this proxy statement.</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      <a name=c90447_role1>Role of Management in Compensation Decisions</a></B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Management administers our compensation plans, monitors compensation programs used by other companies, and considers whether new or amended compensation programs are needed to maintain the competitiveness of our executive compensation packages. Management presents recommendations to the
  Committee for approval. The CEO ultimately oversees the development of recommendations. If executive-level exceptions are appropriate, such as approval of an executive&#146;s early retirement, management generally reviews the facts of the situation and provides a recommendation to the CEO and, ultimately, to the
  Committee for approval. The CEO does not participate in Committee deliberations concerning his own compensation.</FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">52</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>COMPENSATION DISCUSSION AND ANALYSIS</B></FONT></P>
</DIV>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      <a name=c90447_tax1>Tax Deductibility</a></B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">In 2017 and earlier years, section 162(m) of the U.S. Internal Revenue Code generally disallowed a tax deduction to public companies for compensation exceeding $1 million paid during the year to the CEO and the three other highest-paid executive officers at year-end (excluding the Chief Financial Officer). Certain
  performance-based compensation was not, however, subject to the deduction limit. The Committee considered these tax implications in making compensation decisions for 2017.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Although deductibility was an important consideration, competitive and other factors could outweigh it. As a result, although a substantial majority of NEO compensation was designed to be &#147;performance-based&#148; each year, a portion was not. That portion varied from year to year.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Late in 2017 Congress repealed the performance-based exception, applicable in 2018. As a result, section 162(m) is likely to play no significant role in structuring future executive compensation awards. The application of transition provisions to awards outstanding when repeal occurred is uncertain in some respects, but
  in many cases may require adherence to significant restrictions if deductibility is to be preserved. When dealing with various outstanding awards in the future, the Committee intends to consider preservation of deductibilty as one factor, among many, in making decisions consistent with the objectives of the program in
  question and our business needs.</FONT></P>
<P style="margin:10.5mm 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B><a name=c90447_direct1>Direct Compensation Components for NEOs</a></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The direct components of NEO compensation in 2017 were cash salary, annual bonus under the MIP, and annual stock awards consisting of RSUs, stock options, and PSUs under our shareholder-approved Equity Compensation Plan. An overview of these components appears under &#147;Overview of Direct Compensation
  Components&#148; beginning on page 49 of this proxy statement above.</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      <a name=c90447_relative1>Relative Sizing &amp; Mix</a></B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">In setting the size of the direct compensation components for 2017, the Compensation Committee considered the total compensation opportunity at target payout levels for each position. The target total mix of the direct components is summarized in the following chart, which illustrates the regular annual pay packages
  planned by the Committee early in the year. Special promotion or retention awards are not included in the chart. See &#147;Summary Compensation Table&#148; beginning on page 67 for additional information concerning amounts paid or earned in 2017.</FONT></P>
<P align="center" style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.2mm; "><B>2017 Direct Compensation Mix at Target</B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><p align="center"><img src="c90447xbarchart3.jpg" style="margin:0 0 0 0; border:   ;"></p></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      *</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      Mr. Kisber&#146;s compensation package differs from the other NEOs&#146; and is structured to be competitive within the fixed income industry. The chart shows his <I>potential</I> mix for 2017. His annual bonus opportunity has approximately double the weighting of other NEOs, and the other components are relatively compressed. Also, unlike other NEOs, stock awards </FONT></P></TD>
  </TR>
</TABLE>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">53</FONT></P>
<P style="margin:2.1mm 0 0;"><hr color=#000000 noshade></P>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>COMPENSATION DISCUSSION AND ANALYSIS</B></FONT></P>
</DIV>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:3pt;font-size:0.5mm; ">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:12pt;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;"><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      actually granted to him in a given year depend significantly upon performance of our fixed income business the previous year. Mr. Kisber&#146;s stock award mix reflects his total opportunity for grants early in 2018 based on 2017 performance. See &#147;Annual MIP Bonus&#151;MIP Bonus for FTN Executive,&#148; &#147;Stock Awards&#151;Overview&#148; and &#147;Stock Awards&#151;Fixed Income Award Practices&#148; on
      pages 58, 59, and 61 below for additional information.</FONT></P>
    </TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The amount of each component usually is determined in relation to cash salary. Salary levels are based largely on these factors: individual experience, individual performance, level of responsibility, and competitive market levels. A specific need for retention also can play a role. No specific weighting is given to any
  one factor. The size of each direct component for the named executives as a percentage of cash salary is shown in the chart below.</FONT></P>
<P align="center" style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.2mm; "><B>Sizing of 2017 Direct Compensation Components</B></FONT></P>
<P align="center" style="margin:3.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>As a Percentage of Annual Cash Salary</B></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:3.95%; margin-right:3.95%; width:92.10%;" >
  <TR valign="bottom">
    <TD style="width:21.57%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:7.16%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:11.68%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:14.37%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:12.70%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:11.47%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD rowspan="2"><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      NEO</B></FONT></P></TD>
    <TD width="3" rowspan="2">&nbsp;</TD>
    <TD rowspan="2" colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Annual<br>Bonus<br>(target)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="27" align="center" style="border-bottom:solid .27mm Black; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      2017 Annual Stock Awards</B></FONT></P></TD>
  </TR>
  <TR valign="bottom">
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Restricted<br>Stock Units</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Stock Options</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Performance<br>Stock Units<br>(target)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Total Stock<br>Awards</B></FONT></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="36" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Jordan</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      140%</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      63%</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      63%</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      125%</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      250%</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Losch</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      100%</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      70%</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      35%</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      35%</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      140%</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Kisber*</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      583%</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      83%</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      93%</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      140%</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      317%</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Popwell</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      100%</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      70%</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      35%</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      35%</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      140%</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Tuggle</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      90%</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      55%</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      28%</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      28%</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      110%</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="36" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:24pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      *</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      Mr. Kisber&#146;s compensation package differs from the other NEOs&#146; to provide a compensation opportunity that is competitive within the fixed income industry. This table shows his <I>potential</I> package for 2017. See &#147;Annual MIP Bonus&#151;MIP Bonus for FTN Executive,&#148; &#147;Stock Awards&#151;Overview&#148; and &#147;Stock Awards&#151;Fixed Income Award Practices&#148; on pages 58, 59, and 61 below
      for additional information.</FONT></P>
    </TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Key factors considered when target levels were set are the appropriate mix of base pay (salary) versus pay at risk for corporate performance or stock value performance, and the mix between short- and long-term compensation. The chart and table above show that the CEO&#146;s regular compensation package is more
  heavily weighted in favor of financial performance, and more heavily at-risk overall, than the other NEOs except Mr.&nbsp;Kisber. This practice is consistent with the greater responsibilities of the CEO position, prevalent market practices among our Peer Banks, and our compensation philosophy which endeavors to link a
  substantial portion of executive pay to performance.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The relative mix of the compensation components for the NEOs did not change in 2017, nor did any NEO receive a salary raise.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Late in 2017 the Committee decided, for 2018, to align the mix of equity award components of all executives (other than Mr. Kisber) with that of Mr.&nbsp;Jordan. Accordingly, the 2018 stock awards of all such executives will consist of 50% PSUs (twice the 2017 proportion), 25% RSUs (half the 2017 proportion), and 25%
  options (unchanged).</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Certain benefits such as life and disability insurance are also related to cash salary. There is no other significant interdependence among the compensation components.</FONT></P>
<P style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><I>Valuation of Stock Awards</I></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The percentages shown for all regular 2017 stock awards in the table above are based upon 2017 salary rates and upon our closing stock price on the grant date, February 10, 2017, which was $19.73 per share.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">In 2017, for purposes of converting the percentages mentioned above into specific share or unit numbers the Committee used the following valuation methods: for RSUs, 100% of market value at grant; for stock options, 25%; and for PSUs, 86.5%.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><I>RSUs and PSUs.</I> The valuation methods for RSUs and PSUs are consistent with those used for financial reporting purposes. Neither award type is discounted for the risk of forfeiture due to employment termination or non-performance. PSUs in 2017 were discounted 13.5% from target levels for the two-year post-vesting
  holding period imposed on recipients.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><I>Stock Options.</I> The actual value of a service-vested option cannot be determined in any definitive way. Many commonly used estimation methods, including the method used for financial reporting, were developed in connection with ordinary market trading of short-term options. The Committee believes that those
  methods overstate the value that an executive generally would ascribe to our long-term, unmarketable options with service-vesting requirements. That overstatement is </FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">54</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>COMPENSATION DISCUSSION AND ANALYSIS</B></FONT></P>
</DIV>
<P style="margin:2.1mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">structural, given the original usage of those methods. For those reasons, the Committee believes that the relatively simple and stable 25% method it has used for several years provides a more appropriate approximation of value for our option program.</FONT></P>
<P style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><I>Tally Sheets</I></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The Committee uses a tally sheet tool in considering annual adjustments to executive pay levels and mix. A sheet for each executive summarizes all major categories of current and recent compensation levels, including the aggregate retention value and duration of unvested awards. Tally sheets are reviewed in
  conjunction with market data related to each executive position.</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      <a name=c90447_salary1>Salary</a></B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">Early in the year, the CEO develops a personal plan that contains financial and strategic goals aligned with the Board-approved company plan for the year. The CEO submits that plan to the Committee for review and approval. The Board of Directors also reviews the plan. The Committee reviews the CEO&#146;s
  achievement of objectives in his personal plan for the preceding year when assessing the CEO&#146;s salary for the coming year. The Committee also weighs competitive practices within the industry as well as corporate initiatives. For other NEOs, the Committee approves salaries each year taking the CEO&#146;s
  recommendations into account.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">No NEO received a salary raise in 2017.</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      <a name=c90447_annual2>Annual MIP Bonus</a></B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">Under our shareholder-approved Management Incentive Plan (MIP), the annual bonus opportunity offered to each NEO (other than Mr. Kisber, as discussed at the end of this section) is based on target amounts and performance goals that are approved by the Committee early in that year.</FONT></P>
<P style="margin:4.2mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Ordinary MIP Bonus</I></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">For 2017, similar to the past several years, the Committee established a maximum MIP bonus opportunity per person equal to 2% of adjusted consolidated 2017 pre-tax earnings. Pre-tax earnings and other financial performance measures for 2017 were required to be adjusted for certain specific items, including
  changes in accounting principles and certain unusual or non-recurring items, such as litigation settlements. The 2% maximum was to be determined using these &#147;required adjustments&#148;; no discretionary adjustments were allowed in setting the 2% maximum. The required adjustments are similar to, but not the same as,
  the notable item adjustments presented in Appendix C.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Subject to the 2% maximum, the Committee could exercise negative discretion to determine the final bonus amount. Early in 2017 the Committee established a formulaic structure to guide its exercise of negative discretion. Individual bonuses were determined by applying a corporate rating, along with an individual
  rating, to individual target bonus amounts set for each NEO. The corporate rating, in turn, was determined by adding together an income factor and an efficiency factor; the resulting sum was subjected to several potential company-wide subjective adjustments. These calculation processes are depicted below:</FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">55</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>COMPENSATION DISCUSSION AND ANALYSIS</B></FONT></P>
</DIV>
<P style="margin:2.1mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; "><p align="center"><img src="c90447xflowchart3.jpg" style="margin:0 0 0 0; border:   ;"></p></FONT></P>
<P style="margin:4.2mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><I>Corporate Rating</I></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The income and efficiency factors each were developed to provide target-level rewards for achieving budget, and superior rewards for exceeding budget, in 2017. The specific goals and drivers, relative to budget, are provided in the two tables that follow. The automatic adjustments to the financial performance numbers
  that were used for the 2% pre-tax earnings maximum mentioned above also were used for these two factors.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Calculation of the income factor was set up to be quantitative, without discretionary input from the Committee. For results at or worse than budget, the efficiency factor likewise was set up in a traditional performance grid. For efficiency results better than budget, however, the Committee wanted to retain full
  discretionary control over the impact of that factor upon the final bonus.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The two factors were weighted 75% and 25%, respectively. The Committee wanted efficiency outcomes to have a specific and meaningful impact on bonuses, while continuing to emphasize the critical and overall importance of earnings to the company and our shareholders. Specific drivers of the income factor and
  the efficiency factor are presented in the next two grid tables.</FONT></P>
<P align="center" style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>2017 Income Factor </I>Grid (75% Wtg)</B></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:15.94%;" align="center"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:15.94%;" align="center" valign="middle"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:15.94%;" align="center" valign="middle"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Adj&#146;d 2017 Pre-<br>Tax Earnings</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Percent of<br>Budget</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Income<br>Factor*</B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="5" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $444 million</FONT><FONT style="font-family:sans-serif; "><br><FONT style="font-size:3.6mm; ">&amp; above</FONT></FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" valign="middle" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      110% &amp; above</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" valign="middle" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      110% to max<br>of 150%</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $404-444 million</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center" valign="middle"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      100% - 110%</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center" valign="middle"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      100% - 110%</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $404 million <I>(budget)</I></FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" valign="middle" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      100%</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" valign="middle" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      100%</FONT></P></TD>
  </TR>
  <TR>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $364-404 million</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      90% - 100%</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      90% - 100%</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $303-363 million</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" valign="middle" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      75% - 90%</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" valign="middle" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      75% - 90%</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $202-362 million</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center" valign="middle"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      50% - 75%</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center" valign="middle"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      50% - 75%</FONT></P></TD>
  </TR>
  <TR>
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Below $202 million</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      below 50%</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      0%</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="5" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      *</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      Income Factor was interpolated within each row.</FONT></P>
    </TD>
  </TR>
</TABLE>
<P align="center" style="margin:3.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>2017 Efficiency Factor </I>Grid (25% Wtg)</B></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:15.94%;" align="center"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:15.94%;" align="center" valign="middle"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:15.94%;" align="center" valign="middle"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Adj&#146;d 2017 Non-Interest Expense<br>(ex Fixed Income)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Percent of<br>Budget</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Efficiency<br>Factor*</B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="5" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Below $700 million</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" valign="middle" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Below 100%*</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" valign="middle" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      max of 150%*</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $700 million (budget)</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center" valign="middle"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      100%</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center" valign="middle"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      100%</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $700-714 million</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" valign="middle" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      100% - 102%</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" valign="middle" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      90% - 100%</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $714-728 million</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center" valign="middle"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      102% - 104%</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center" valign="middle"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      75% - 90%</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Above $728 million</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" valign="middle" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Above 104%</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" valign="middle" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      0%</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="5" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      *</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      Efficiency Factor was interpolated within each row. If performance had been better than budget, the Committee would have determined the Efficiency Factor using discretion.</FONT></P>
    </TD>
  </TR>
</TABLE>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">56</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>COMPENSATION DISCUSSION AND ANALYSIS</B></FONT></P>
</DIV>
<P style="margin:4.2mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><I>Subjective Corporate Rating Adjustments</I></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">In 2017 the sum of the income and efficiency factors was subject to several potential subjective adjustments, leading ultimately to the final corporate rating. Overall, the subjective adjustments could have resulted in a change of up to 25%, plus or minus. Potential adjustment categories in 2017 were:</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Balanced scorecard results</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Risk management results</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Quality of earnings assessment</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Contributions to non-strategic results</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Other adjustments, as determined by the Committee</FONT></P>
    </TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The balanced scorecard process ranked our company among Peer Banks on eighteen financial measures. The scorecard process used quantitative financial measures and peer rankings, but was not used in a quantitative manner to determine a specific numerical rating. Instead, the Committee considered the
  scorecard results in a subjective manner.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The risk management factor was intended to be used if unusual or exceptional events occurred that tested our level of preparedness, or if events occurred that reflected well or poorly upon our risk management functions.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Under &#147;quality of earnings&#148; the Committee intended, among other things, to take account of unusual shortfalls or windfalls in revenues associated with interest rate movements during the year relative to budgetary expectations.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Our non-strategic segment encompasses several businesses which have been largely discontinued and are being wound down over many years. This segment often has contributed significant expenses to our operating results, and occasionally significant items of income, during the past several years. Although the
  income and efficiency factors exclude these impacts, the Committee retained the ability to adjust bonuses up or down depending upon the Committee&#146;s subjective assessment of how these legacy businesses are managed to mitigate long-term impacts on the company.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">All points in this process were subject to further adjustment up or down by the Committee.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Actual corporate adjustments made using this framework are discussed under &#147;2017 MIP Bonus Outcomes&#148; below.</FONT></P>
<P style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><I>Individual Rating</I></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">In addition to the corporate rating, each NEO&#146;s individual rating could directly impact final bonus results. Each individual rating was to be based on the Committee&#146;s subjective assessment of personal plan results and any other individual factors the Committee chose to consider. Individual ratings could range from 0% to
  150%.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">In 2017, the CEO&#146;s personal plan included six major performance areas: strategic, financial (structural improvements and revenue growth), customer, shareholder value, employees, and risk management &amp; credit quality. These areas had no particular weighting and were not applied in a quantitative manner except that
  risk management could affect up to 20 percentage points of the MIP individual rating. Each NEO&#146;s personal plan substantially overlapped the CEO&#146;s and also was related to operations managed by that NEO.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Actual individual rating impacts are discussed under &#147;2017 MIP Bonus Outcomes&#148; immediately below.</FONT></P>
<P style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><I>2017 MIP Bonus Outcomes</I></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The outcomes of the MIP bonus process for the NEOs other than Mr. Kisber are summarized in the following table.</FONT></P>
<P align="center" style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.2mm; "><B>2017 MIP Bonus Outcomes</B></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="bottom">
    <TD style="width:21.50%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:6.14%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:8.28%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:10.62%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:8.37%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:8.22%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:9.22%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:9.22%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="center">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>NEO</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Income<br>Factor</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Efficiency<br>Factor</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Overall<br>Impact of<br>Adjustments</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Corporate<br>Rating</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Individual<br>Rating</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Bonus<br>Target ($)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Final<br>Bonus ($)</B></FONT></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="50" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Jordan</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      75</FONT></P></TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       %</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      25</FONT></P></TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       %</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      0</FONT></P></TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       %</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      100</FONT></P></TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       %</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      100</FONT></P></TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       %</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      1,225,000</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      1,225,000</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Losch</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      75</FONT></P></TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       %</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      25</FONT></P></TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       %</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      0</FONT></P></TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       %</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      100</FONT></P></TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       %</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      111</FONT></P></TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       %</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      475,000</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      525,000</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Popwell</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      75</FONT></P></TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       %</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      25</FONT></P></TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       %</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      0</FONT></P></TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       %</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      100</FONT></P></TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       %</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      115</FONT></P></TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       %</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      500,000</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      575,000</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Tuggle</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      75</FONT></P></TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       %</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      25</FONT></P></TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       %</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      0</FONT></P></TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       %</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      100</FONT></P></TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       %</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      100</FONT></P></TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       %</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      427,500</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      427,500</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="50" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">Pre-tax earnings for 2017, after all required adjustments were made, totaled about $391&nbsp;million. The most significant required adjustment excluded certain expenses for the Capital Bank merger. Adjusted pre-tax earnings resulted in an overall maximum bonus per person of $4 million (the plan maximum). Much smaller
  specific positive and negative additional quantitative adjustments were made, the two largest of which were to exclude certain charitable contributions motivated in part by tax reform and certain life insurance gains. The net effect was to </FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">57</FONT></P>
<p><hr color=#000000 noshade></p>
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<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>COMPENSATION DISCUSSION AND ANALYSIS</B></FONT></P>
</DIV>
<P style="margin:2.1mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">increase pre-tax earnings to $401 million, which was slightly below budget and resulted in an income factor that rounded to 75%. Non-interest expense, excluding our fixed income segment and after all required adjustments, totaled $699 million in 2017. That was slightly better than budget and resulted in an efficiency
  factor that rounded to 25%.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The Committee determined that no subjective adjustments to the corporate rating be made in 2017. Although many aspects of our operating results were outstanding, short-term impacts were significant to our bottom line results. On balance, since the most impactful events of 2017 are expected to have long-term, rather
  than short-term, benefits, the Committee decided to refrain from any subjective adjustments to the corporate rating for this year. Accordingly, the final corporate rating was 100% (75% plus 25%).</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Although the Committee believes our CEO has done an outstanding job, it determined to make no individual adjustment to Mr. Jordan&#146;s 2017 bonus. In significant part, this inaction reflects a difficulty of having a single-year bonus structure when the most important event of 2017, the Capital Bank merger, will take
  several years to prove itself.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">For bonuses paid to Messrs. Losch and Popwell, the Committee made positive individual adjustments of about 11% and 15%, respectively. The Committee determined that both NEOs performed exceptionally well in 2017 overall, especially in connection with the Capital Bank integration planning and, for Mr. Popwell,
  our bank&#146;s excellent performance before considering the merger.</FONT></P>
<P style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>MIP Bonus for FTN Executive</I></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Kisber is the president of our fixed income business unit (FTN Financial). His bonus for 2017 was earned under the MIP, but was driven by the overall incentive pool created under the FTN Financial Incentive Compensation Plan to provide a compensation opportunity consistent with that of competitors in that
  industry. The incentive pool generally is funded as a specified percentage of divisional net profits, as defined, plus an additional percentage if net profits exceed a specified return on expense.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The structure of Mr. Kisber&#146;s pay package has not changed in many years. His compensation elements <I>for</I> any given year are paid or granted <I>during</I> that year and the next.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">For 2017, Mr. Kisber&#146;s package generally was 15% of the incentive pool, subject to possible reduction approved by the Committee, and subject to a $6&nbsp;million overall cap on on the package. Early in 2018, the fixed income pool for 2017 was to be determined and the Committee was to determine Mr. Kisber&#146;s final
  percentage and dollar amount. That final dollar amount was to be allocated and paid, until the final amount was exhausted, in the following order:</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Salary, paid during 2017: the first $0.6 million</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Cash MIP bonus, to be paid in 2018: the next $2.5 million</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Regular annual stock awards, to be granted in 2018: the next $1.9 million</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Special MIP-driven RSUs (18-month vesting period, settled in cash), to be granted in 2018: the last $1.0 million.</FONT></P>
    </TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The first $0.5 million of regular stock awards were to be granted as RSUs, and any remainder (up to $1.4 million) were to be granted 60% in PSUs and 40% in stock options.The Committee retained the discretion under the MIP to reduce any calculated bonus amount for Mr. Kisber, but made no reduction for 2017.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Kisber&#146;s 2016 package resulted in the grant to him of several stock awards early in 2017. Those grants, <I>for</I> 2016, appear as grants made <I>during</I> 2017 in various tables under &#147;Recent Compensation&#148; beginning on page 66.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">In the chart which follows, Mr. Kisber&#146;s potential compensation package for each of the years 2014 through 2017 (far left column) is compared to his actual compensation earned for each of those years, without regard to which year payment or grant occurred. The total value earned has varied  over these years,
  reflecting significant variability in the earnings of our fixed income segment. All dollar values of awards are measured at grant using values assigned by the Committee, as discussed in the &#147;Stock Awards&#148; section beginning on page 59. PSU values granted are shown at 100% of target; actual vesting of PSUs will
  depends upon company performance relative to applicable PSU performance goals.</FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">58</FONT></P>
<p><hr color=#000000 noshade></p>
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<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>COMPENSATION DISCUSSION AND ANALYSIS</B></FONT></P>
</DIV>
<P align="center" style="margin:4.2mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.2mm; "><B>Mr. Kisber Potential vs Actual Pay Package 2014-2017</B></FONT><FONT style="font-family:sans-serif; font-size:3.1mm; "><B><br>($ in thousands)</B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><p align="center"><img src="c90447xbarchart9.jpg" style="margin:0 0 0 0; border:   ;"></p></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Our fixed income segment&#146;s contribution to our pretax earnings in 2017, after deducting all compensation, was $24 million. Mr. Kisber&#146;s earned package for 2017 was $2,999,000. Net of salary, his calculated package would have resulted in a cash bonus of $2,399,000 and no stock awards. Although Mr. Kisber&#146;s cash bonus is paid under our executive MIP, it is funded from our fixed income managers&#146; bonus pool. In order to increase funds available for manager bonuses from that pool, Mr. Kisber asked
  the Committee to reduce his 2017 bonus by $300,000. The Committee agreed, and his final bonus for 2017 was $2,099,000, as shown in the chart.</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      <a name=c90447_stock3>Stock Awards</a></B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Overview</I></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">In 2017, the CEO&#146;s annual stock award mix was one-half PSUs, with RSUs and options comprising one-quarter each. For other NEOs except Mr.&nbsp;Kisber, the more heavily weighted component consisted of RSUs. The Committee believes that these mixes provide appropriate incentives to our NEOs to focus on
  performance goals and to remain with our company.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The dollar amounts and mix of awards granted in 2017 to the NEOs are illustrated in the following table. Dollar amounts are shown using values assigned by the Committee. PSU values are shown at target levels. Further information about each award type is provided in the remainder of this discussion.</FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">59</FONT></P>
<p><hr color=#000000 noshade></p>
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<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>COMPENSATION DISCUSSION AND ANALYSIS</B></FONT></P>
</DIV>
<P align="center" style="margin:4.2mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.2mm; "><B>2017 Annual Stock Award Grant Mix</B></FONT><FONT style="font-family:sans-serif; font-size:3.1mm; "><B><br>($ in thousands)</B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><p align="center"><img src="c90447xbarchart5.jpg" style="margin:0 0 0 0; border:   ;"></p></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      *</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      Mr. Kisber&#146;s &#147;potential&#148; column illustrates the maximum potential for annual stock award grants in early 2018 based on 2017 performance, excluding the potential for a special type of RSUs which are treated as part of his MIP bonus. Mr. Kisber&#146;s &#147;actual&#148; column shows the awards he actually received early in 2017, which were based on 2016 performance. See &#147;MIP
      Bonus&#151;MIP Bonus for FTN Executive&#148; above, and &#147;Stock Awards&#151;Fixed Income Award Practices&#148; and &#147;2017 Grants of Plan-Based Awards&#148; below, for additional information.</FONT></P>
    </TD>
  </TR>
</TABLE>
<P style="margin:4.2mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Restricted Stock Units</I></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Regular RSUs granted to NEOs vest in March three years after grant if the NEO remains employed with the company through the vesting date. They are settled in shares. Dividends accrue during the vesting period and are paid in cash at vesting.</FONT></P>
<P style="margin:4.2mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Stock Options</I></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">NEO stock option awards in 2017 vest in equal installments in March of the first four years following grant if the NEO remains employed with the company through the vesting dates. There is no accrual of cash dividends on options. Each option has a seven-year term and is priced at market at the time of grant.
  Options will achieve value only to the extent market value on the exercise date exceeds the option price fixed on the grant date.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">A stock option provides a retention incentive over its vesting period directly linked to our stock price growth. Options inherently align compensation with the interests of shareholders.</FONT></P>
<P style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Performance Stock Units</I></B></FONT></P>
<P style="margin:4.2mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><I>2017 PSUs</I></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Consistent with competitive practice, the Committee makes annual grants of performance equity awards with a three-year performance period. The financial goals established at the beginning of each performance period are company-wide in focus and are uniform for all executives. Grants are made annually, so financial
  results in any given year can affect three outstanding awards. The Committee sets performance goals each year based on the company&#146;s objectives at that time, and may change the types and amounts of awards compared to prior years based on desired managerial focus, competitive pressures, and other factors.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Payout of 2017 PSUs will be based on goal achievement as shown in the following chart. Adjusted ROE of our core business segments, averaged over the three-year period 2017-19, will be ranked against the average ROE results of those banks that, at the end of the performance period, comprise the KBW Regional
  Bank Index (ticker symbol KRX). Payout can range from 50% to 150% of the target amount granted, or payout </FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">60</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>COMPENSATION DISCUSSION AND ANALYSIS</B></FONT></P>
</DIV>
<P style="margin:2.1mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">can be zero if performance falls below the 50% threshold. Dividends accrue until payment but are paid only to the extent the underlying units vest. Performance will be determined in 2020 but payment will be deferred until 2022.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><p align="center"><img src="c90447xbarchart6.jpg" style="margin:0 0 0 0; border:   ;"></p></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Only whole-year ROE results count in the rankings. The adjustments to our ROE are the same as the required adjustments associated with the 2% maximum under the 2017 MIP bonus opportunity, discussed above under &#147;Ordinary MIP Bonus&#148; starting on page 55. The required adjustments are similar to, but not the
  same as, the notable item adjustments presented in Appendix C.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The KRX banks currently are fifty U.S. regional banks, a wider range of institutions than those in our Peer Bank group used for other purposes. For PSU awards, the Committee believes that an independently-selected basket of competitors like the KRX banks provides a larger, more stable group against which to
  measure our performance over a three-year period. This rank structure was continued from recent years primarily because the use of a relative-rank goal rather than an absolute measure should provide a better reflection of our results versus competitors. It was chosen in part because of the volatile environment for us
  and our industry. The awards should self-adapt to industry events that will unfold over a three-year time horizon and cannot be predicted in advance.</FONT></P>
<P style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><I>Most Recent PSU Performance</I></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">As discussed above, PSUs perform based on our ROE performance ranked against KRX peers. Peer data for a given year is not fully available until the following March. The most recent PSUs with final performance determined were granted in 2014 with a 2014-16 performance period, vesting in 2017. Our adjusted
  ROE over those three performance years ranked in the top half of the KRX peers. The following table shows the payout of the 2014 PSUs in relation to TSR and our stock price.</FONT></P>
<P align="center" style="margin:3.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>2014 PSU Statistics</B></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:32.89%;" align="right"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:13.16%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="3" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      PSU Payout (% of Target)</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      113%</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      TSR over PSU Lifetime</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      158%</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      FHN Stock Price at Grant</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $11.77/share</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      FHN Stock Price at Vesting</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $17.63/share</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="3" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Fixed Income Award Practices</I></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The overall amount of annual stock awards granted to Mr. Kisber, the head of our fixed income business, is impacted by the previous year&#146;s results. See &#147;MIP Bonus&#151;MIP Bonus for FTN Executive&#148; starting on page 58 above.</FONT></P>
<P style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>2016 CEO Retention Award</I></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">In February 2016 the Committee approved a special retention award for our CEO. The award consists of 155,238 seven-year stock units and 411,747 late-vesting stock options.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The units have a 7-year service vesting and financial performance period. The units&#146; performance goal is met if the TSR value of a share of our stock during the seven-year period is at least $11.63/share, which is slightly higher than market value on the grant date.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The stock options were granted at-market with service vesting in 2020, 2021, and 2022, or four, five, and six years after grant. The options expire in 2023, seven years after grant.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The Committee wanted this award to have substantial retention value as well as a strong linkage to shareholder value. The entire award continues to be at-risk for the market performance of our common stock during its seven-year duration. In making this award the Committee wanted to close a gap it perceived in the
  competitiveness of Mr. Jordan&#146;s target compensation and the retention value of his outstanding awards. The Committee believes that Mr. Jordan&#146;s leadership and experience have been critical to our company&#146;s recent successes and will remain crucial in the years to come.</FONT></P>
<P style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>2012 CEO Retention Award</I></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">In May 2012 the Committee granted our CEO a special performance-based retention award. The award consisted of PSUs covering $3 million of stock (valued at grant) with a highly challenging goal. The award would have vested if our stock price had achieved $20/share for 60 consecutive trading days before the fifth
  anniversary of grant, or if the TSR value of a share of our stock measured at the end of those five years had been at least $20/share. Our stock value at grant was </FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">61</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>COMPENSATION DISCUSSION AND ANALYSIS</B></FONT></P>
</DIV>
<P style="margin:2.1mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">$9.22 per share, so to achieve either of those alternative goals our stock value had to more than double in five years.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">At the time of grant the Committee considered those goals to be appropriately challenging. The low interest rate and subdued economic environments, along with continued drag from our exited &#147;non-strategic&#148; businesses, created substantial challenges to achieving the kind of sustained stock value growth necessary to
  meet either of the goals.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">TSR value for this award was measured using a starting value ($9.22, our stock price at grant), a closing value ($18.41, our average stock price at the end of the award&#146;s term), and an assumed reinvestment of actual dividends since grant.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The performance period ended on May 7, 2017. Although our stock price early in 2017 was above $20, in the end neither goal was met and the award forfeited. The final TSR value for this award was $19.88. Although an investment in our shares would have increased in value by 216% during the PSU&#146;s lifetime, final
  TSR was twelve cents below what was needed for payout.</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      <a name=c90447_ceo1>CEO Multi-Year Cash Bonus</a></B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">In October 2017 the Compensation Committee approved a special cash bonus for our CEO, Bryan Jordan, of $5.5 million. Committee members discussed the bonus with the entire Board of Directors in executive session. By making this award the Committee, and the entire Board, recognized and rewarded our CEO
  for the extraordinary overall performance our company has achieved over the past six years. That performance has resulted in exceptional wealth creation for each shareholder who owned our stock before 2012 and still owns it today.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The bonus was discretionary. The Committee assessed our long-term performance qualitatively, but also took into account quantitative performance measures. The section captioned &#147;First Horizon Transformation Since 2007,&#148; beginning on page 44, outlines major events since the recession. For this bonus, the
  Committee focused on the period after the financial crisis ended. Six years ago, at the end of 2011, our company was in stable condition but with significant headwinds and turbulence, impeding efforts to grow our business, our earnings prospects, and our stock value. At that time, we had been out of the TARP
  program for a year; loan growth and interest margins were low; and we had significant potential liability exposures from discontinued businesses dealing with mortgages, much larger than those of our peers. Our stock value had declined each of the previous two years (by over one-third, in total), reflecting the market&#146;s
  judgment that our prospects were unclear and our risks were high. For similar reasons, it was difficult to engage in serious pursuit of strategic acquisitions.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Our management team&#146;s focus then, as now, was to control what could be controlled while resolving the legacy issues as optimally as possible. The focus on controllable items resulted in several key, broad initiatives:</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      grow loan and deposit relationships by emphasizing, with all employees, the importance of superior customer service;</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      grow loans and defend margins by penetrating and developing higher-profit market niches, which we call our specialty lending areas;</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      exercise discipline in making acquisitions in terms of price, business &#147;fit,&#148; and post-closing execution;</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      create a culture which seeks always to spend less while maintaining service and profitability levels, and to spend more only when revenue prospects warrant; and</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      manage the entire enterprise using metrics which focus on returns in relation to invested capital and risk, so that capital-inefficient activities, and those with risk-reward imbalances, are curtailed while efficient activities with acceptable risk are nurtured.</FONT></P>
    </TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Starting before 2011, but especially since then, these and similar initiatives have been transformational. Loans and deposits in our regional banking segment have grown significantly and steadily, more than offsetting significant run-off of legacy business in the non-strategic segment. Although total expenses have been
  volatile, controllable expenses, especially those in the banking segment, have been cut while earnings have grown. Not all controllable expenses are down&#151;costs associated with driving higher revenues or efficiencies are up in many cases, but only after management assesses the ability of those costs to more than pay
  for themselves. The steady and still-compounding successes in these and other areas:</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      allowed our Board to raise our common dividend per share four times, from 4 cents annually in </FONT></P></TD>
  </TR>
</TABLE>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">62</FONT></P>
<P style="margin:2.1mm 0 0;"><hr color=#000000 noshade></P>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>COMPENSATION DISCUSSION AND ANALYSIS</B></FONT></P>
</DIV>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:3pt;font-size:0.5mm; ">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:12pt;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;"><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      2012 to 36 cents annually in 2017 (48 cents in 2018);</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      resulted in our stock price increasing from $8.00 per share at year-end 2011 to $19.29 per share on October 20, 2017, the last trading day before the Committee meeting;</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      for an investor who owned 1,000 shares in 2011 with dividends reinvested, grew that investment from $8,000 to more than $21,000; and</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      positioned us to pursue seriously and then successfully close our merger in 2017 with Capital Bank Financial.</FONT></P>
    </TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The Committee also considered the forfeiture of the 2012 special PSUs, discussed above. In the Committee&#146;s view, under Mr. Jordan&#146;s leadership the company and its shareholders obtained an extraordinary gain in share value. That gain fell just short of the aggressive goal established in that award. Because that
  award forfeited, the Committee felt that Mr. Jordan&#146;s exceptional performance, directly benefiting all shareholders, was not properly being recognized and rewarded.</FONT></P>
<P style="margin:10.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B><a name=c90447_post1>Deferral, Retirement, and Other Benefits</a></B></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      <a name=c90447_savings1>Benefits other than Change in Control</a></B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">We provide retirement and other post-employment benefits that we believe are customary in our industry. We provide them to remain competitive in retaining and recruiting talent. The table below summarizes the major types of benefits provided to NEOs. Many of these benefits are broad-based and so available to most
  or all full-time employees, and many others are available generally to employees whose compensation levels exceed certain thresholds, regardless of officer status.</FONT></P>
<P align="center" style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.2mm; "><B>Deferral, Retirement, and Other Benefits Summary</B></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:18.42%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:18.42%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:27.63%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:27.63%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Benefit</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Type</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Benefit Provided</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Further Information</B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="7" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Savings
      Plan(broad-based)</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Tax-qualified
      defined contribution
      (retirement
      savings)</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Participants may defer a portion of salary into a fully funded tax-advantaged savings account, up to IRS dollar limits. We provide a
      100% match on the first 6% of salary deferred.</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Match amounts for the NEOs are included in column (i) of the Summary Compensation Table on page 67, with additional information
      provided in the table captioned &#147;All Other Compensation (Col (i)) for 2017&#148; on page 69 and its explanatory notes.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Savings
      Restoration Plan</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Non-qualified
      deferral</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Provides a restorative benefit to savings plan participants whose compensation exceeds IRS limits, as if the savings plan were not
      subject to those limits.</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Restoration match amounts for the NEOs are included with savings plan match amounts; see the row above. Match amount and
      withdrawal information is provided under &#147;Non-Qualified Deferred Compensation Plans&#148; beginning on page 76.</FONT></P></TD>
  </TR>
</TABLE>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">63</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>COMPENSATION DISCUSSION AND ANALYSIS</B></FONT></P>
</DIV>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:18.42%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:18.42%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:27.63%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:27.63%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Benefit</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Type</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Benefit Provided</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Further Information</B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="7" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Deferred
      Compensation
      Plan</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Non-qualified
      deferral</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Participants may defer payment of a portion of salary, bonus, and other cash compensation. Taxation is deferred until paid. There is no
      company match. The plan pays at-market returns indexed to the performance of certain mutual funds selected by the participant. We
      hedge this obligation by purchasing those funds.</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Deferral and withdrawal information for the NEOs, along with other plan information, is provided under &#147;Non-Qualified Deferred
      Compensation Plans&#148; beginning on page 76.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Pension Plan
      (broad-based)</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Tax-qualified
      defined benefit
      (retirement)</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Participants earned a defined retirement benefit dependent mainly on salary level (up to IRS limits) and tenure. The plan was closed to
      new hires after August 31, 2007; the benefit was frozen at year-end 2012.</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Pension benefit information for the NEOs, along with other plan information, is provided under &#147;Pension Plans&#148; beginning on page&nbsp;75.
      Any change in pension value for the NEOs is included in column (h) of the Summary Compensation Table on page 67 and the related
      notes on page 68.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Pension
      Restoration Plan</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Non-qualified
      defined benefit
      (retirement)</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Provides a restorative benefit to pension plan participants. The two plans work together as if the IRS limits did not exist.</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Restoration benefits and value changes are included with those of the pension plan; see the row above.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Health &amp; Welfare
      programs(broad-based)</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Cafeteria benefit
      program</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Employees may elect annually to participate in several programs such as health and dental insurance, vision, dependent care, etc. We
      provide an allowance for this purpose based on salary, tenure, and certain wellness incentives, subject to IRS limits. A participant may
      elect to use any leftover allowance for the savings plan.</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      The amounts of these broad-based benefits for the NEOs are not reported in other tables or charts of this proxy statement, except that
      any savings plan contributions made by the company are reported as part of the match amounts. See the &#147;Savings Plan&#148; row above.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Survivor Benefit
      Plan</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Death benefit</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Provides a benefit of 2.5&nbsp;times base salary if death occurs during active service, which is reduced to 1.0 times salary if death occurs
      following departure due to disability or retirement. This executive benefit substitutes for a broad-based survivor benefit.</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Cost amounts for the NEOs are included in column (i) of the Summary Compensation Table on page 67, with additional information
      provided in the table captioned &#147;All Other Compensation (Col (i)) for 2017&#148; on page 69 and its explanatory notes.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      </FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
</TABLE>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">64</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>COMPENSATION DISCUSSION AND ANALYSIS</B></FONT></P>
</DIV>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:18.42%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:18.42%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:27.63%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:27.63%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Benefit</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Type</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Benefit Provided</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Further Information</B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="7" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Executive
      disability program</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Disability benefit</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      The executive benefit cap is $25,000 per month. An executive may elect to purchase, with personal funds, an additional disability
      benefit of up to $5,000 per month. This executive benefit substitutes for a broad-based survivor benefit.</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Cost amounts for the NEOs are included in column (i) of the Summary Compensation Table on page 67, with additional information
      provided in the table captioned &#147;All Other Compensation (Col (i)) for 2017&#148; on page 69 and its explanatory notes.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Other Perquisites</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Misc.</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      We provide a limited range of other executive perquisites that are customary in our industry, including financial counseling, imputed
      income for certain usage of corporate aircraft (for spousal attendance at business events), and executive wellness.</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Cost amounts for the NEOs are included in column (i) of the Summary Compensation Table on page 67, with additional information
      provided in the table captioned &#147;All Other Compensation (Col (i)) for 2017&#148; on page 69 and its explanatory notes.</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="7" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      <a name=c90447_change1>Change in Control (CIC) Benefits</a></B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The financial services industry experiences periods of significant consolidation separated by periods of modest activity. Merger activity abated substantially following the last recession, but (excluding the four largest U.S. banks) resumed several years ago. Although this industry pattern has created substantial business
  opportunities for us and others, it also has created substantial personal uncertainties for employees. Our CIC severance agreements and CIC plan features were put in place a number of years ago in response to these uncertainties.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">We have CIC severance agreements with each NEO. These are not employment agreements. They provide significant benefits if employment is terminated in connection with a CIC event, but otherwise provide no employment protection. Additional information about these contracts is provided under the caption &#147;CIC
  Severance Agreements&#148; in the &#147;Change in Control&#148; section beginning on page 78 of this proxy statement.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The primary objectives of our CIC severance agreements are to allow us to compete for executive talent during normal times, mitigating the personal risk that a CIC would present. If a CIC situation were to arise, the agreements also provide an incentive for our executive team to remain with the company, focused on
  corporate objectives, during the pursuit, closing, and transition periods that accompany CIC transactions in our industry.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Under many of our programs a CIC event can cause awards or benefits to vest, be paid, or be calculated and paid at target payout levels. The main objective of these features is to allow us to offer competitive compensation packages in an industry where robust periods of consolidation occur. Like our CIC severance
  agreements, these program features have a double trigger, which means that vesting or payment is accelerated only when a CIC event occurs resulting in termination of employment.</FONT></P>
<P style="margin:10.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B><a name=c90447_compensation6>Compensation Committee Report</a></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The Compensation Committee Report is located on page 21 of this proxy statement under the caption &#147;The Compensation Committee.&#148;</FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">65</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>

<PAGE>

<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>RECENT COMPENSATION</B></FONT></P>
</DIV>
<P style="margin:4.2mm 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B><a name=c90447_recent1>R</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>ECENT</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> C</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>OMPENSATION</a></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">This Recent Compensation section provides detailed information about the compensation paid to our named executive officers in 2017. This section should be read in conjunction with the immediately preceding Compensation Discussion and Analysis section.</FONT></P>
<P style="margin:5.6mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B><a name=c90447_direct11>2017 Direct Compensation Actually Paid</a></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">A comprehensive Summary Compensation Table, along with detailed footnotes and commentary, is presented in the next several sections. To provide context for that information, the following chart shows direct compensation amounts actually paid in 2017 to our named executive officers, except that the 2017 MIP
  bonus (which was paid early in 2018) is included rather than any earlier bonus. Direct compensation components include salary, bonus paid, and stock awards vested. For this purpose, amounts are considered &#147;paid&#148; if they were paid or deferred on a fully-vested basis. All amounts are shown before reduction for
  withholding taxes and other payroll deductions.</FONT></P>
<P align="center" style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>2017 Direct Compensation Actually Paid</B></FONT><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><br>($ in millions)</B></FONT></P>
<P align="center" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><p align="center"><img src="c90447xbarchart8.jpg" style="margin:0 0 0 0; border:   ;"></p></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Key details regarding the segments in this chart follow:</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><I>
      MIP Bonus.</I> Each annual bonus award under the MIP for 2017 was paid in cash early in 2018.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; "><I>
      Stock Awards Vested.</I> Awards vested in 2017 consisted of performance stock units (PSUs), restricted stock shares (RS), RSUs, and stock options. Values are based on the market price of our stock on the vesting date. Stock options are valued based on the &#147;spread&#148; at vesting, which is the difference between
      market price at that time and the option price; any negative spreads at vesting are ignored.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; "><I>
      Multi-Year Bonus for CEO</I>. In 2017 we paid our CEO a special cash bonus for exceptional performance since 2011. Because this was an unusual event Mr. Jordan&#146;s direct compensation is shown with and without that bonus included. See &#147;CEO Multi-Year Cash Bonus&#148; beginning on page 62 for additional information.</FONT></P>
    </TD>
  </TR>
</TABLE>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">66</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>RECENT COMPENSATION</B></FONT></P>
</DIV>
<P style="margin:8.4mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B><a name=c90447_summary1>Summary Compensation &amp; Award Grant Tables</a></B></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      <a name=c90447_summary2>Summary Compensation Table</a></B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The amounts shown in the Summary Compensation Table include all compensation earned for 2017, including amounts deferred by those persons for all services rendered in all capacities to us and our subsidiaries. Compensation amounts from the past two years are also included. Additional compensation information
  is provided in the remainder of this section. No named executive officer who served as a director was separately compensated as a director.</FONT></P>
<P align="center" style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>Summary Compensation Table</B></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="bottom">
    <TD style="width:12.42%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:4.56%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:7.27%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:8.74%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:8.74%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:8.74%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:9.54%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:12.19%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:12.19%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:9.70%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="64" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      (a)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      (b)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      (c)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      (d)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      (e)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      (f)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      (g)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      (h)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      (i)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      (j)</B></FONT></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Name and<br>Principal<br>Position</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Year</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Salary<br>($)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Bonus*<br>($)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Stock<br>Awards<br>($)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Option<br>Awards<br>($)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Non-Equity<br>Incentive<br>Plan<br>Compensa-<br>tion<br>($)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Change in<br>Pension**<br>Value &amp;<br>NonQualified<br>Deferred<br>Compensation<br>Earnings<br>($)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      All Other<br>Compensation<br>($)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Total<br>($)</B></FONT></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="64" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      </B>D.B. Jordan</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      2017</B></FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      $</B></FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
       875,000</B></FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      $</B></FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
       5,500,000</B></FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      $</B></FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
       1,640,822</B></FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      $</B></FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
       520,273</B></FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      $</B></FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
       1,225,000</B></FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      $</B></FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
       479,791</B></FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      $</B></FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
       92,879</B></FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      $</B></FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
       10,333,764</B></FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      Chairman, </FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      2016</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      868,654</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      2,736,995</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      1,768,560</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      1,323,000</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      225,014</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      88,227</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      7,010,450</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      President, &amp;</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      2015</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      815,000</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      1,144,893</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      429,016</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      1,155,000</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      81,582</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      3,625,491</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD colspan="64" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      CEO</FONT></P></TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      </B>W.C. Losch</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      2017</B></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      $</B></FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
       475,000</B></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      &#151;</B></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      $</B></FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
       498,769</B></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      $</B></FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
       158,164</B></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      $</B></FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
       525,000</B></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      $</B></FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      &#151;</B></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      $</B></FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
       43,885</B></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      $</B></FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
       1,700,818</B></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      EVP &amp; CFO</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      2016</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      468,654</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      498,804</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      168,685</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      513,000</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      42,329</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      1,691,472</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      </FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      2015</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      425,000</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      604,276</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      167,247</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      425,000</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      41,382</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      1,662,905</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      M.E. Kisber</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      2017</B></FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      $</B></FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
       600,000</B></FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      &#151;</B></FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      $</B></FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
       954,879</B></FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      $</B></FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
       288,449</B></FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      $</B></FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
       2,099,000</B></FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      $</B></FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
       121,354</B></FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      $</B></FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
       49,632</B></FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      $</B></FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
       4,113,314</B></FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      President&#150;</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      2016</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      600,000</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      352,992</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      2,500,000</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      65,990</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      50,347</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      3,569,329</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      FTN Financial</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      2015</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      600,000</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      2,500,000</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      48,917</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      3,148,917</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      </B>D.T. Popwell</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      2017</B></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      $</B></FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
       500,000</B></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      &#151;</B></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      $</B></FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
       525,026</B></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      $</B></FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
       166,484</B></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      $</B></FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
       575,000</B></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      $</B></FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
       86,332</B></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      $</B></FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
       62,223</B></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      $</B></FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
       1,915,066</B></FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      President&#150;</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      2016</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      493,654</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      525,050</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      177,563</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      540,000</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      49,306</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      59,959</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      1,845,532</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      Banking</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      2015</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      450,000</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      672,517</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      177,086</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      450,000</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      53,853</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      1,803,456</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      C.T. Tuggle</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      2017</B></FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      $</B></FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
       475,000</B></FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      &#151;</B></FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      $</B></FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
       391,882</B></FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      $</B></FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
       124,269</B></FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      $</B></FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
       427,500</B></FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      $</B></FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
       82,935</B></FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      $</B></FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
       41,172</B></FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      $</B></FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
       1,542,758</B></FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      EVP &amp; General</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      2016</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      475,000</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      391,905</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      132,539</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      461,700</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      9,750</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      40,883</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      1,511,777</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      Counsel</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      2015</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      475,000</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      391,896</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      146,868</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      427,500</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      38,343</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      1,479,607</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="64" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:9pt;" align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      *</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      In October 2017 Mr. Jordan received a special cash bonus in recognition of outstanding performance over the past six years. See &#147;CEO Multi-Year Cash Bonus&#148; beginning on page&nbsp;62.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:9pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      **</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      In this column negative values are ignored rather than netted. For Messrs. Jordan, Kisber, and Popwell, actual pension value changes for 2015 were negative: ($39,521), ($28,213), and ($21,405), respectively.</FONT></P>
    </TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Explanations of certain columns follow:</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Col (c) Salary.</I></B> Annual cash salary is shown.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Col (d) Bonus.</I></B> No discretionary annual bonuses were paid to the named executive officers. Column (g) shows the annual MIP bonus awards earned. Mr. Jordan was paid a discretionary special bonus in October 2017 to recognize outstanding performance over the past six years, as discussed in &#147;CEO Multi-Year
  Cash Bonus&#148; beginning on page&nbsp;62.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Cols (e)-(f) Accounting Values.</I></B> Columns (e) and (f) show the grant date fair value of the awards using the accounting method applicable to our financial statements. The accounting valuation method makes assumptions about growth and volatility of our stock value, expected duration in the case of options, vesting,
  forfeiture, future company performance, and other matters. A discussion of those assumptions appears in note 19 to our 2017 annual report to shareholders. Actual future events may be substantially inconsistent with the assumptions. Accordingly, the actual values realized by an award holder are likely to differ
  substantially from these accounting values.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Col (e) Stock Awards.</I></B> Column (e) includes the accounting values of RSU, PSU, and retention </FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">67</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>RECENT COMPENSATION</B></FONT></P>
</DIV>
<P style="margin:2.1mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">RS&nbsp;awards granted during each year. These do not represent amounts paid or earned; they are the values attributed to awards under applicable accounting rules.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Col (e) Regular PSUs.</I></B> PSUs are performance-based, using a three-year performance period. Eventual payout may be higher or lower than the accounting values used in column (e), and may be zero. PSUs also have a service-vesting requirement. PSUs granted after 2014 also have a mandatory two-year deferral period
  after vesting. Generally, PSU performance depends upon our adjusted core-segment ROE ranking relative to certain peer banks during the performance period. Each year, a percentage of PSUs (50% to 150%) will vest if threshold or higher performance goals are achieved during the performance period and if the
  holder remains employed with the company through the vesting date. PSUs settle with shares rather than cash. In column (e) PSU amounts are shown at their original accounting values assigned at grant. Those accounting values are less than the possible payouts if all performance conditions are maximally achieved.
  The following table provides a summary of the maximum payouts of the PSU awards for each named executive, based on our stock values on the respective grant dates.</FONT></P>
<P align="center" style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.8mm; "><B>Maximum Dollar Values* of PSUs</B></FONT><FONT style="font-family:sans-serif; font-size:3.1mm; "><B><br>(Based on Share Price at Grant Date)</B></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="bottom">
    <TD style="width:14.58%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:8.74%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:8.74%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:8.74%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="22" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="center">
    <P style="text-indent:-2.8mm; margin:0 0 0 2.8mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>Name</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      2015</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      2016</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      2017</B></FONT></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="22" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-2.8mm; margin:0 0 0 2.8mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">Mr. Jordan</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
       1,144,996</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
       1,641,213</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
       1,640,956</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 2.8mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">Mr. Losch</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      223,186</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      249,465</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      249,427</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-2.8mm; margin:0 0 0 2.8mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">Mr. Kisber</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      682,322</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 2.8mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">Mr. Popwell</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      236,306</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      262,584</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      262,554</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-2.8mm; margin:0 0 0 2.8mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">Mr. Tuggle</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      195,993</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      196,000</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      195,964</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="22" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      *</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      Maximum dollar values = 150% of target unit levels for all years presented valued at grant date fair value. Actual maximum values depend upon our actual stock price when paid.</FONT></P>
    </TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Col (e) Regular RSUs.</I></B> Since 2014 the annual equity award package has included RSUs which vest in three years and settle in shares.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Col (e)-(f) Retention Awards.</I></B> On occasion special retention awards are made to selected individuals.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">In 2015, retention RS awards were granted to Messrs. Losch and Popwell. They vest five years after grant.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">In 2016, retention stock units (col (e)) and stock options (col (f)) were granted to Mr. Jordan. The stock units have a seven-year service-vesting and performance period. The option price was set at our market price on the grant date. The retention options have a seven-year term and vest in equal parts four, five, and six
  years after grant.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Col (f) Stock Options.</I></B> Column (f) includes the accounting values of stock options granted.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Col (g) Annual MIP Bonus Awards.</I></B> This column shows the annual bonus earned for each year under our MIP. For all three years, MIP bonuses (except for Mr. Kisber) were based upon achievement in the following areas: pre-set levels of adjusted annual pre-tax earnings (core-segment earnings for 2015, consolidated
  for 2016 and 2017); execution of personal plan goals; and individual contribution to risk management, quality of earnings, and objectives for our non-strategic business segment; and the results of a balanced scorecard process ranking us among selected peer banks on a matrix of balance sheet, capital, expense,
  earnings, and other measures. Mr.&nbsp;Kisber&#146;s bonuses were based on the net profits of our FTN Financial division, of which he is the President. For any given year, FTN net profits also drove stock awards granted to Mr. Kisber the following year.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Col (h) Pension &amp; Deferred Compensation.</I></B> Column (h) includes changes in defined benefit pension actuarial values, which are the aggregate increase during the year in actuarial value of both pension plans (qualified and restoration). Our pension plans were closed to new employees in 2007. Mr. Losch does not
  participate. Pension benefits were frozen in 2012. Incremental changes in actuarial pension values occur after 2012 mainly due to changes in discount rates used, changes in mortality tables, and changes to life expectancy due to the passage of time. No above-market earnings on deferred compensation were accrued
  during the year for any of the named executives.</FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">68</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>RECENT COMPENSATION</B></FONT></P>
</DIV>
<P style="margin:2.1mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Col (i) All Other Compensation.</I></B> Elements of &#147;All Other Compensation&#148; for 2017 consist of the following:</FONT></P>
<P align="center" style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>All Other Compensation (Col (i)) for 2017</B></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="bottom">
    <TD style="width:31.15%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:9.45%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:7.49%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:8.46%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:7.49%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="29" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="center">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>(i)(a)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      (i)(b)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      (i)(c)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      (i)(d)</B></FONT></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="center">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>Name</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Perquisites</B></FONT><FONT style="font-family:sans-serif; "><B><br><FONT style="font-size:3.1mm; ">&amp;<br>Other<br>Personal<br>Benefits</FONT></B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      401(k)<br>Match</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Life<br>Insurance<br>Premiums</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Total<br>Col (i)</B></FONT></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="29" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Jordan</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       31,533</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       52,500</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       8,846</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       92,879</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Losch</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      9,820</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      28,500</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      5,565</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      43,885</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Kisber</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      6,120</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      36,000</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      7,512</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      49,632</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Popwell</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      26,271</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      30,000</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      5,952</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      62,223</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Tuggle</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      23,307</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      12,300</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      5,565</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      41,172</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="29" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Explanations of certain columns in the Col (i) table follow:</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Col (i)(b) &#147;Perquisites and Other Personal Benefits&#148; </I></B>includes the following types of benefits: Flexible Dollars; Financial Counseling; Disability Insurance; and Aircraft Usage. Benefits are valued at the incremental cost to us. &#147;Flexible Dollars&#148; represents our contribution to our broad-based benefits plan, a qualified
  cafeteria-type benefit plan. &#147;Financial Counseling&#148; represents payments for the preparation of income tax returns and related financial counseling. &#147;Disability Insurance&#148; represents insurance premiums with respect to our disability program. &#147;Aircraft Usage&#148; represents imputed income to the executives when their spouses
  accompany them on a business trip using non-commercial aircraft. This column also includes imputed taxable income from our company-wide wellness program, and (for Mr. Jordan) the cost of participating in the Mayo Clinic Executive Health Program. The Board of Directors requires Mr.&nbsp;Jordan to participate in the
  Mayo program.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Col (i)(c) &#147;401(k) Match&#148;</I></B> represents our matching contribution to our 401(k) savings plan and to the related savings restoration plan. Any flexible benefits plan contributions to the savings plan are included in column (i)(b).</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Col(i)(d) &#147;Life Insurance Premiums&#148;</I></B> represents supplemental life insurance premiums. Under our survivor benefits plan a benefit of 2.5 times annual base salary is paid upon the participant&#146;s death prior to retirement, or one times final salary upon death after retirement.</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      <a name=c90447_grants1>2017 Grants of Plan-Based Awards</a></B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The following table provides information about the MIP bonus opportunity established for, and the grants of PSUs, stock options, RSUs, and retention awards during, 2017. In this table the MIP bonus opportunity is considered a &#147;Non-Equity Incentive Plan Award,&#148; PSUs are considered to be &#147;Equity Incentive Plan
  Awards,&#148; while RSUs are considered to be &#147;All Other Stock Awards.&#148; In the table each row represents a separate award grant; a column for a row is blank if it does not apply to the type of award listed in that row or if the dollar amount is $0.</FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">69</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>RECENT COMPENSATION</B></FONT></P>
</DIV>
<P align="center" style="margin:4.2mm 0 0; "><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>Awards Granted in 2017</B></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="bottom">
    <TD style="width:14.76%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:4.35%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:3.80%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:6.90%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:7.10%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:7.10%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:6.90%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:4.35%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:6.56%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:6.64%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:7.45%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:5.84%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:7.71%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="80" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="center">
    <P style="text-indent:-2.3mm; margin:0 0 0 2.3mm; "><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>(a)</B></FONT></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD align="center"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>
      (b)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>
      (c)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>
      (d)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>
      (e)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>
      (f)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>
      (g)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>
      (h)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>
      (i)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>
      (j)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>
      (k)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>
      (l)</B></FONT></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD rowspan="2" align="center">
    <P style="text-indent:-2.3mm; margin:0 0 0 2.3mm; "><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>Name</B></FONT></P></TD>
    <TD width="3" rowspan="2">&nbsp;</TD>
    <TD rowspan="2" align="center"><P><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>
      Award</B></FONT></P></TD>
    <TD width="3" rowspan="2">&nbsp;</TD>
    <TD rowspan="2" colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>
      Grant<br>Date</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="20" align="center" style="border-bottom:solid .27mm Black; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>
      Estimated Possible Payouts<br>under Non-Equity Incentive<br>Plan Awards</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="20" align="center" style="border-bottom:solid .27mm Black; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>
      Estimated Future Payouts<br>under Equity Incentive<br>Plan Awards</B></FONT></P></TD>
    <TD width="3" rowspan="2">&nbsp;</TD>
    <TD rowspan="2" colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>
      All Other<br>Stock<br>Awards:<br>Number<br>of Shares<br>of Stock<br>or Units<br>(#)</B></FONT></P></TD>
    <TD width="3" rowspan="2">&nbsp;</TD>
    <TD rowspan="2" colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>
      All Other<br>Option<br>Awards:<br>Number of<br>Securities<br>Underlying<br>Options<br>(#)</B></FONT></P></TD>
    <TD width="3" rowspan="2">&nbsp;</TD>
    <TD rowspan="2" colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>
      Exercise<br>Price of<br>Option<br>Awards<br>($/sh)</B></FONT></P></TD>
    <TD width="3" rowspan="2">&nbsp;</TD>
    <TD rowspan="2" colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>
      Grant Date<br>Fair Value<br>of Stock<br>and Option<br>Awards($)</B></FONT></P></TD>
  </TR>
  <TR valign="bottom">
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>
      Threshold<br>($)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>
      Target<br>($)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>
      Maximum<br>($)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>
      Threshold<br>(#)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>
      Target<br>(#)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>
      Maximum<br>(#)</B></FONT></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="80" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-2.3mm; margin:0 0 0 2.3mm; "><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>Mr. Jordan</B></FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      MIP</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      2-10</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
       612,500</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
       1,225,000</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
       1,837,500</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      NA</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.3mm; margin:0 0 0 2.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      Opt</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      2-10</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      110,871</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      $</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
       19.73</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      $</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
       520,273</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-2.3mm; margin:0 0 0 2.3mm; "><FONT style="font-family:sans-serif; font-size:2.6mm; "></FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      PSU</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      2-10</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      32,044</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      64,087</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      96,131</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      1,093,965</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.3mm; margin:0 0 0 2.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      RSU</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      2-10</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      27,717</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      546,856</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="80" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-2.3mm; margin:0 0 0 2.3mm; "><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>Mr. Losch</B></FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      MIP</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      2-10</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
       237,500</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
       475,000</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
       712,500</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      NA</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.3mm; margin:0 0 0 2.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      Opt</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      2-10</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      33,705</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      $</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
       19.73</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      $</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
       158,164</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-2.3mm; margin:0 0 0 2.3mm; "><FONT style="font-family:sans-serif; font-size:2.6mm; "></FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      PSU</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      2-10</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      4,870</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      9,741</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      14,612</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      166,279</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.3mm; margin:0 0 0 2.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      RSU</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      2-10</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      16,852</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      332,490</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="80" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-2.3mm; margin:0 0 0 2.3mm; "><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>Mr. Kisber</B></FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      MIP</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      2-10</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      NA</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      NA</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
       3,500,000</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      NA</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.3mm; margin:0 0 0 2.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      Opt</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      2-10</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      61,469</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      $</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
       19.73</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      $</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
       288,449</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-2.3mm; margin:0 0 0 2.3mm; "><FONT style="font-family:sans-serif; font-size:2.6mm; "></FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      PSU</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      2-10</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      13,324</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      26,648</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      39,972</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      454,881</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.3mm; margin:0 0 0 2.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      RSU</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      2-10</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      25,342</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      499,998</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="80" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-2.3mm; margin:0 0 0 2.3mm; "><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>Mr. Popwell</B></FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      MIP</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      2-10</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
       250,000</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
       500,000</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
       750,000</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      NA</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.3mm; margin:0 0 0 2.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      Opt</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      2-10</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      35,478</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      $</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
       19.73</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      $</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
       166,484</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-2.3mm; margin:0 0 0 2.3mm; "><FONT style="font-family:sans-serif; font-size:2.6mm; "></FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      PSU</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      2-10</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      5,127</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      10,254</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      15,381</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      175,036</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.3mm; margin:0 0 0 2.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      RSU</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      2-10</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      17,739</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      349,990</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="80" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-2.3mm; margin:0 0 0 2.3mm; "><FONT style="font-family:sans-serif; font-size:2.6mm; "><B>Mr. Tuggle</B></FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      MIP</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      2-10</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
       213,750</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
       427,500</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
       641,250</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      NA</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.3mm; margin:0 0 0 2.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      Opt</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      2-10</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      26,482</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      $</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
       19.73</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      $</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
       124,269</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-2.3mm; margin:0 0 0 2.3mm; "><FONT style="font-family:sans-serif; font-size:2.6mm; "></FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      PSU</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      2-10</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      3,827</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      7,653</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      11,480</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      130,637</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.3mm; margin:0 0 0 2.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      RSU</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      2-10</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      13,241</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.6mm; ">
      261,245</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="80" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Explanations of certain columns follow:</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Col (b). </I></B>An award is effective for legal and accounting purposes on its grant date. For each award shown, the Compensation Committee took final action to grant each award on that date.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Cols (c)-(e) MIP Bonus Opportunities.</I></B> The Committee established performance criteria and set target amounts early in 2017 for MIP bonus opportunities. Details about the opportunities, their goals, and their limitations are discussed in &#147;Annual MIP Bonus&#148; beginning on page&nbsp;55.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Kisber&#146;s compensation package, including annual MIP bonus, is based on a percentage of net profits generated by the FTN Financial fixed income division, without any threshold or target levels. The Compensation Committee established an overall maximum of $6 million for Mr. Kisber&#146;s 2017 package, payable in
  this order if earned: first, $600,000 of salary; second, $2.5 million of MIP cash bonus; third, $1.9 million of regular annual stock awards (RSUs, PSUs, and options) to be granted in 2018; and fourth, $1 million in cash-paid MIP-driven RSUs, also to be granted in 2018. His entire MIP bonus opportunity was, therefore,
  $3.5&nbsp;million. Correspondingly, all stock awards granted to Mr. Kisber in 2017, whether or not connected to the MIP, relate back to FTN Financial&#146;s net profits in 2016.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The information in columns (c)-(e) shows 2017 MIP bonus opportunities. Information concerning MIP bonuses actually earned for 2017 is shown in column (g) of the Summary Compensation Table and under the caption &#147;Annual MIP Bonus&#148; beginning on pages 67 and 55, respectively.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Cols (f)-(h) Stock Incentives.</I></B> The performance requirements for the 2017 PSU awards are discussed in the notes for column (e) of the Summary Compensation Table above. Performance below the threshold level will result in 0% payout. Performance above threshold will result in payouts ranging from 50% (col (f)) to
  100% (col&nbsp;(g)) to 150% (col (h)) of target levels. See &#147;Performance Stock Units&#148; beginning on page&nbsp;60 for additional information. The 2017 PSUs will vest on May 12, 2020 if threshold performance is achieved, but payment will be deferred for two years.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Also included in these columns is Mr. Jordan&#146;s special retention stock units. These have a performance goal based on total shareholder return for a seven-year performance period. If the performance goal and the seven-year service requirements are met, payout is 100%; if not, payout is zero. There are no lesser or
  greater payment levels for varying degrees of performance.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Col (i) Other Stock Awards.</I></B> Column (i) includes RSUs granted in 2017.</FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">70</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>RECENT COMPENSATION</B></FONT></P>
</DIV>
<P style="margin:2.1mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Cols (j)-(k) Stock Options.</I></B> Column (j) shows the number of shares granted under options to the named executives in 2017, and column (k) shows the exercise price per share of those options. The exercise price was the market price of our stock on the grant date. Mr. Jordan received two option grants, a regular
  annual award and a special retention award, which are shown in separate rows in the table. For additional information regarding option awards see the discussion of column (f) of the Summary Compensation Table beginning on page&nbsp;67 of this proxy statement.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Col (l) Grant date fair values.</I></B> Column (l) reflects the accounting value of the awards shown in columns (g), (i) and (j). Our stock price on the grant date, February 10, 2017, was $19.73 per share. For stock options, the grant date fair value is based on the Black Scholes value on the grant date, which was $4.6926
  per share. For additional information see the discussion of columns (e) and (f) of the Summary Compensation Table beginning on page 67.</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      <a name=c90447_supplemental1>Supplemental Disclosures for Summary Compensation and Grant Tables</a></B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">For information about the rationale behind, sizing of, and other aspects concerning the major compensation elements, see &#147;Overview of Direct Compensation Components,&#148; &#147;Relative Sizing &amp; Mix,&#148; and &#147;Salary&#148; beginning on pages&nbsp;49,&nbsp;53, and&nbsp;55, respectively.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The vesting and expiration schedules of equity-based awards granted in 2017 are as follows:</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Regular stock options vest in equal parts on March 2 of the first four years after grant and expire on March 2 seven years after grant.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      PSUs vest on May 12 three years after grant if goals are achieved at the 50% payout level or greater.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      RSUs vest on March 2 three years after grant.</FONT></P>
    </TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Vesting information related to all equity awards held by the named executives at year-end appears under the heading &#147;Outstanding Equity Awards at Fiscal Year-End&#148; beginning on page&nbsp;72, especially in the notes to the table in that section. For all awards, vesting will or may be accelerated or pro-rated in the cases of
  death, disability, retirement, and qualifying termination after a change in control. For performance awards, service-vesting may be waived, but performance goals generally are not waived, following retirement, and awards may be pro-rated. Additional information concerning the acceleration features of awards is set forth
  under the caption &#147;Change in Control (CIC) Arrangements&#148; on page&nbsp;78.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Dividends or dividend equivalents accrue at normal declared rates on stock awards other than options. Accrued dividends and equivalents are paid at vesting, or forfeit if the award is forfeited.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The Compensation Committee has approved a mandatory tax withholding feature under which vested shares are automatically withheld in an amount necessary to cover minimum required withholding taxes. A supplemental feature allows the holder to elect withholding at the maximum tax rate instead. Options have no
  mandatory or supplemental tax feature. Under our Equity Compensation Plan we do not re-use, in new grants, shares withheld to cover taxes.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The Compensation Committee generally has the power to impose deferral of payment as a term or condition of an award. The 2017 PSUs have a mandatory two-year payment deferral after vesting.</FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">71</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>RECENT COMPENSATION</B></FONT></P>
</DIV>
<P style="margin:8.4mm 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B>Outstanding Stock Awards at Fiscal Year-End</B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The following table provides information about stock options, all types of restricted stock and stock units, and all performance stock awards (at target levels) held at December 31, 2017 by the named executive officers.</FONT></P>
<P align="center" style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:4.5mm; "><B><a name=c90447_outstanding1>Outstanding Equity Awards at Fiscal Year-End 2017</a></B></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="bottom">
    <TD style="width:11.88%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:9.10%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:10.38%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:8.03%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:6.28%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:7.52%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:7.15%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:7.64%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:10.21%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:9.97%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="64" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="center">
    <P style="text-indent:-2.5mm; margin:0 0 0 2.5mm; "><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>(a)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>
      (b)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>
      (c)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>
      (d)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>
      (e)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>
      (f)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>
      (g)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>
      (h)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>
      (i)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>
      (j)</B></FONT></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD rowspan="2" align="center">
    <P style="text-indent:-2.5mm; margin:0 0 0 2.5mm; "><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>Name</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="34" align="center" style="border-bottom:solid .27mm Black; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>
      Option Awards</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="27" align="center" style="border-bottom:solid .27mm Black; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>
      Stock Awards</B></FONT></P></TD>
  </TR>
  <TR valign="bottom">
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>
      Number of<br>Securities<br>Underlying<br>Unexercised<br>Options(#)<br>Exercisable</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>
      Number of<br>Securities<br>Underlying<br>Unexercised<br>Options(#)<br>Unexercisable</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>
      Equity<br>Incentive<br>Plan<br>Awards:<br>Number of<br>Securities<br>Underlying<br>Unearned<br>Options(#)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>
      Option<br>Exercise<br>Price<br>($/sh)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>
      Option<br>Expiration<br>Date</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>
      Number<br>of Shares<br>or Units<br>of Stock<br>Held that<br>Have Not<br>Vested(#)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>
      Market<br>Value of<br>Shares or<br>Units of<br>Stock that<br>Have Not<br>Vested($)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>
      Equity<br>Incentive<br>Plan<br>Awards:<br>Number of<br>Unearned<br>Shares,<br>Units or<br>Other Rights<br>that Have Not<br>Vested(#)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>
      Equity<br>Incentive<br>Plan<br>Awards:<br>Market or<br>Payout Value<br>of Unearned<br>Shares, Units<br>or Other<br>Rights that<br>Have Not<br>Vested($)</B></FONT></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="64" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-2.5mm; margin:0 0 0 2.5mm; "><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>Mr. Jordan</B></FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      185,434</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
       10.82</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      2/12/2020</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.5mm; margin:0 0 0 2.5mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      89,592</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      29,864</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      11.77</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      2/12/2021</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-2.5mm; margin:0 0 0 2.5mm; "><FONT style="font-family:sans-serif; font-size:2.8mm; "></FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      53,440</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      53,440</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      14.28</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      3/2/2022</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.5mm; margin:0 0 0 2.5mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      47,063</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      141,190</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      11.62</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      3/2/2023</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-2.5mm; margin:0 0 0 2.5mm; "><FONT style="font-family:sans-serif; font-size:2.8mm; "></FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      411,747</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      11.62</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      3/2/2023</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.5mm; margin:0 0 0 2.5mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      110,871</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      19.73</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      3/2/2024</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-2.5mm; margin:0 0 0 2.5mm; "><FONT style="font-family:sans-serif; font-size:2.8mm; "></FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      101,500</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
       2,028,985</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      396,659</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
       7,929,213</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="64" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.5mm; margin:0 0 0 2.5mm; "><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>Mr. Losch</B></FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      62,846</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      10.82</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      2/12/2020</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-2.5mm; margin:0 0 0 2.5mm; "><FONT style="font-family:sans-serif; font-size:2.8mm; "></FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      33,852</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      11,284</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      11.77</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      2/12/2021</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.5mm; margin:0 0 0 2.5mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      20,832</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      20,834</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      14.28</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      3/2/2022</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-2.5mm; margin:0 0 0 2.5mm; "><FONT style="font-family:sans-serif; font-size:2.8mm; "></FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      14,307</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      42,921</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      11.62</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      3/2/2023</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.5mm; margin:0 0 0 2.5mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      33,705</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      19.73</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      3/2/2024</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-2.5mm; margin:0 0 0 2.5mm; "><FONT style="font-family:sans-serif; font-size:2.8mm; "></FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      77,363</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
       1,546,486</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      39,410</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
       787,806</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="64" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.5mm; margin:0 0 0 2.5mm; "><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>Mr. Kisber</B></FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      7,846</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      36.09</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      7/1/2018</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-2.5mm; margin:0 0 0 2.5mm; "><FONT style="font-family:sans-serif; font-size:2.8mm; "></FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      10,312</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      27.46</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      7/1/2019</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.5mm; margin:0 0 0 2.5mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      221,811</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      10.82</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      2/12/2020</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-2.5mm; margin:0 0 0 2.5mm; "><FONT style="font-family:sans-serif; font-size:2.8mm; "></FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      86,661</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      28,887</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      11.77</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      2/12/2021</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.5mm; margin:0 0 0 2.5mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      8,513</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      23.49</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      7/2/2021</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-2.5mm; margin:0 0 0 2.5mm; "><FONT style="font-family:sans-serif; font-size:2.8mm; "></FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      3,156</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      15.84</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      7/1/2022</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.5mm; margin:0 0 0 2.5mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      61,469</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      19.73</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      3/2/2024</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-2.5mm; margin:0 0 0 2.5mm; "><FONT style="font-family:sans-serif; font-size:2.8mm; "></FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      55,720</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
       1,113,843</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      26,648</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
       532,694</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="64" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.5mm; margin:0 0 0 2.5mm; "><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>Mr. Popwell</B></FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      66,543</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      $</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
       10.82</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      2/12/2020</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-2.5mm; margin:0 0 0 2.5mm; "><FONT style="font-family:sans-serif; font-size:2.8mm; "></FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      35,842</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      11,948</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      11.77</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      2/12/2021</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.5mm; margin:0 0 0 2.5mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      22,058</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      22,059</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      14.28</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      3/2/2022</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-2.5mm; margin:0 0 0 2.5mm; "><FONT style="font-family:sans-serif; font-size:2.8mm; "></FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      15,060</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      45,180</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      11.62</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      3/2/2023</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.5mm; margin:0 0 0 2.5mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      35,478</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      19.73</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      3/2/2024</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-2.5mm; margin:0 0 0 2.5mm; "><FONT style="font-family:sans-serif; font-size:2.8mm; "></FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      83,922</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
       1,677,601</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      41,560</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
       830,784</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="64" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.5mm; margin:0 0 0 2.5mm; "><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>Mr. Tuggle</B></FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      52,680</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      $</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
       10.82</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      2/12/2020</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-2.5mm; margin:0 0 0 2.5mm; "><FONT style="font-family:sans-serif; font-size:2.8mm; "></FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      28,754</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      9,585</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      11.77</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      2/12/2021</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.5mm; margin:0 0 0 2.5mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      18,294</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      18,295</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      14.28</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      3/2/2022</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-2.5mm; margin:0 0 0 2.5mm; "><FONT style="font-family:sans-serif; font-size:2.8mm; "></FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      11,241</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      33,724</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      11.62</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      3/2/2023</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.5mm; margin:0 0 0 2.5mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      26,482</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      19.73</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      3/2/2024</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-2.5mm; margin:0 0 0 2.5mm; "><FONT style="font-family:sans-serif; font-size:2.8mm; "></FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      54,017</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
       1,079,800</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      32,103</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
       641,739</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="64" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">72</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>RECENT COMPENSATION</B></FONT></P>
</DIV>
<P style="margin:2.1mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">Explanations of certain columns in the table follow:</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Col (c) Unvested Options.</I></B> The vesting dates of options reported in column (c) are:</FONT></P>
<P align="center" style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>Stock Options Unvested at Year-End</B></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:8.77%; margin-right:8.77%; width:82.46%;" >
  <TR valign="bottom">
    <TD style="width:11.98%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:9.22%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:9.16%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:8.49%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:8.76%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:9.97%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:9.09%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="43" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="center">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>Grant<br>Date</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Vesting<br>Date</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Mr. Jordan</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Mr. Losch</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Mr. Kisber</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Mr. Popwell</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Mr. Tuggle</B></FONT></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="43" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">2/12/2014</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      2/12/2018</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      29,864</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      11,284</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      28,887</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      11,948</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      9,585</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">2/12/2015</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      3/2/2018</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      26,720</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      10,417</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      11,029</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      9,147</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; "></FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      3/2/2019</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      26,720</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      10,417</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      11,030</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      9,148</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">2/11/2016</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      3/2/2018</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      47,063</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      14,307</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      15,060</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      11,241</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">(regular)</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      3/2/2019</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      47,063</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      14,307</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      15,060</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      11,241</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      3/2/2020</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      47,064</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      14,307</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      15,060</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      11,242</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">2/11/2016</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      3/2/2020</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      137,249</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">(retention)</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      3/2/2021</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      137,249</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; "></FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      3/2/2022</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      137,249</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">2/10/2017</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      3/2/2018</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      27,717</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      8,426</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      15,367</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      8,869</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      6,620</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; "></FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      3/2/2019</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      27,718</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      8,426</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      15,367</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      8,869</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      6,620</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      3/2/2020</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      27,718</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      8,426</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      15,367</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      8,870</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      6,621</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; "></FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      3/2/2021</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      27,718</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      8,427</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      15,368</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      8,870</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      6,621</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="43" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Col (g) Unvested Non-Performance Shares &amp; Units.</I></B> Column (g) includes unvested RSUs and RS, specifically regular annual RSUs and special retention RS awards. The vesting dates of those awards are shown in the following table:</FONT></P>
<P align="center" style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>RS &amp; RSU Awards Unvested at Year-End</B></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:4.39%; margin-right:4.39%; width:91.22%;" >
  <TR valign="bottom">
    <TD style="width:12.34%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:6.93%;" align="center"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:8.07%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:9.16%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:8.49%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:8.76%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:9.97%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:9.09%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="45" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="center">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>Grant<br>Date</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Award<br>Type</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Vesting<br>Date</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Mr. Jordan</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Mr. Losch</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Mr. Kisber</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Mr. Popwell</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Mr. Tuggle</B></FONT></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="45" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">2/12/2015</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      RSU</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      3/2/2018</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      26,720</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      20,833</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      22,058</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      18,294</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">2/12/2015</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Ret RS</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      3/2/2020</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      11,064</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      14,005</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">2/11/2016</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      RSU</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      3/2/2019</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      47,063</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      28,614</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      30,378</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      30,120</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      22,482</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">2/10/2017</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      RSU</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      3/2/2020</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      27,717</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      16,852</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      25,342</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      17,739</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      13,241</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="45" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Col (i) Performance Equity Awards.</I></B> Column (i)&nbsp;reports PSU awards, and a special retention stock unit award, granted from 2015 through 2017 which are outstanding at year-end. The performance periods for those awards are shown below. The performance period for the 2015 PSU awards has ended, but
  performance (relative to peers) cannot be determined until all peer companies have reported 2017 earnings.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Awards are reported in units at target levels. In all but one case, the maximum is 150% of target. For the special retention award in 2016, the maximum is 100%. That is a special incentive/retention award for the CEO. It pays if the total shareholder return value of a share of stock is at least $11.63 on the seventh
  anniversary of grant. The special award requires continuous employment with the company during the performance period.</FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">73</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>RECENT COMPENSATION</B></FONT></P>
</DIV>
<P align="center" style="margin:4.2mm 0 0; "><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>Performance Equity Awards Unvested at Year-End</B></FONT><FONT style="font-family:sans-serif; font-size:3.8mm; "><B><br>(Stock Units at Target Level)</B></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:8.77%; margin-right:8.77%; width:82.46%;" >
  <TR valign="bottom">
    <TD style="width:10.51%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:10.69%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:9.16%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:8.49%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:8.76%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:9.97%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:9.09%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="43" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="center">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>Grant<br>Date</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Performance<br>Period</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Mr. Jordan</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Mr. Losch</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Mr. Kisber</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Mr. Popwell</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Mr. Tuggle</B></FONT></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="43" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">2/12/2015</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      2015-17</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      63,242</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      12,327</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      13,052</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      10,825</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">2/11/2016</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      2016-18</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      114,092</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      17,342</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      18,254</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      13,625</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">2/11/2016*</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      2/16-2/23</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      155,238</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">2/10/2017</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      2017-19</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      64,087</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      9,741</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      26,648</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      10,254</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      7,653</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="43" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:39.96pt;">&nbsp;</TD>
    <TD style="width:6pt;" align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      *</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      Special CEO retention award in 2016 pays all-or-none rather than on a scale.</FONT></P>
    </TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Cols (h) &amp; (j) Values. </I></B>Columns (h) and (j) reflect year-end market values ($19.99/share) of the awards reported in columns (g) and (i), respectively, with no discount for risk of forfeiture or time delay until vesting. The values reported are not based on financial accounting methods.</FONT></P>
<P style="margin:10.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B><a name=c90447_options1>Options Exercised and Stock Vested</a></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The following table shows stock options exercised by the named officers along with other stock awards that vested during 2017. The stock awards consist of regular RSUs and PSUs granted in 2014, all of which were paid in stock. The dollar values shown for the stock awards are based on market prices of our stock
  on the respective vesting dates plus accrued cash dividend equivalents, before withholding taxes.</FONT></P>
<P align="center" style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>Options Exercised and Stock Awards Vested During 2017</B></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:13.16%; margin-right:13.16%; width:73.68%;" >
  <TR valign="bottom">
    <TD style="width:15.91%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:12.16%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:12.16%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:11.62%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:11.32%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="29" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="center">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>(a)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      (b)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      (c)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      (d)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      (e)</B></FONT></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD rowspan="2" align="center">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>Name</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="13" align="center" style="border-bottom:solid .27mm Black; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Option Awards</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="13" align="center" style="border-bottom:solid .27mm Black; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Stock Awards</B></FONT></P></TD>
  </TR>
  <TR valign="bottom">
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Number of<br>Shares<br>Acquired<br>on Exercise(#)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Value<br>Realized<br>on Exercise($)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Number of<br>Shares<br>Acquired or<br>Units Paid on<br>Vesting(#)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Value<br>Realized<br>on Vesting($)</B></FONT></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="29" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Jordan</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      97,057</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       1,786,074</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Losch</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      48,607</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       328,941</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      35,260</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      678,277</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Kisber</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      48,746</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      859,392</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Popwell</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      37,336</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      731,457</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" bgcolor="#e5ffff">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Tuggle</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      29,950</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      576,133</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="29" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">74</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>

<PAGE>

<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>POST-EMPLOYMENT COMPENSATION</B></FONT></P>
</DIV>
<P style="margin:4.2mm 0 6.3mm; "><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B><a name=c90447_post2>P</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>OST-</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B>E</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>MPLOYMENT</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> C</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>OMPENSATION</a></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B>Overview &amp; Common Terms<a name=c90447_overview3></a></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">We offer programs providing benefits after retirement and for certain other terminations. Other programs have features that enhance, accelerate, reduce, shorten, or forfeit benefits if employment terminates in various ways. Those programs and features are discussed in this section.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Common post-employment terms include:</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><I>
      Discharge </I>or <I>Resignation. </I>A termination of employment by First Horizon or by the executive, respectively, other than disability or retirement.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; "><I>
      Disability</I>. A permanent inability to work.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; "><I>
      Retirement</I>. A termination of employment after meeting certain age and service requirements specified in the applicable program. Some programs specify early and normal retirement requirements; others specify only normal retirement or make no provision for retirement.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; "><I>
      Change in Control</I>, or<I> CIC</I>. A corporate change in control of First Horizon as defined in the program. The definition used in active programs is discussed in &#147;CIC Definition&#148; on page&nbsp;78.</FONT></P>
    </TD>
  </TR>
</TABLE>
<P style="margin:10.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B><a name=c90447_pension2>Pension Plans</a></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">We operate two defined benefit retirement plans: a broad-based tax-qualified pension plan and an unfunded non-qualified pension restoration plan limited to employees for whom the qualified benefit is limited by tax law. The restoration plan extends the benefit beyond that tax law limit. The two plans effectively provide a
  single pension benefit.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The plans were closed to new hires in 2007, and benefits were frozen at year-end 2012. Credited service years do not increase after 2012, and changes in compensation are ignored.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Pension benefits are based on average compensation for the highest 60 consecutive months of the last 120 months of service prior to 2013, length of service prior to 2013, and social security benefits. Covered compensation includes cash salary reportable to the IRS plus pre-tax contributions under the savings plan
  and employee contributions under the flexible benefits plan, and excludes bonuses, commissions, other deferred compensation, and incentives.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">A &#147;normal&#148; pension benefit provides a monthly payment to the employee for life beginning at retirement at age 65. Participants under age 65 who are at least age 55 with 15 years of service may retire early with a reduced pension benefit. The reduction varies based on age at retirement. Similarly, a delay in
  retirement will increase benefits. A participant may make other elections which change the benefit. Those include a spousal benefit election, a minimum (certain) payment term, and a lump sum benefit (restoration plan only). Married participants often choose a qualified joint and survivor annuity with a surviving spouse
  receiving 50 percent of the participant&#146;s benefit.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The following table shows estimated normal retirement benefits under the pension plans as of December 31, 2017. Mr. Losch does not participate in these plans.</FONT></P>
<P align="center" style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>Pension Benefits</B></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR>
    <TD style="width:9.10%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:7.82%;" align="center" valign="bottom"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:7.90%;" align="center" valign="bottom"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:9.63%;" align="right" valign="bottom"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:10.72%;" align="center" valign="bottom"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR style="font-size:0.2mm">
    <TD colspan="9" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="center">
    <P style="text-indent:-2.5mm; margin:0 0 0 2.5mm; "><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>(a)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>
      (b)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>
      (c)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>
      (d)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>
      (e)</B></FONT></P></TD>
  </TR>
  <TR style="font-size:0.2mm">
    <TD colspan="9" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="center">
    <P style="text-indent:-2.5mm; margin:0 0 0 2.5mm; "><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>Name</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>
      Plan</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>
      Number of<br>Years of<br>Credited<br>Service (#)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>
      Present<br>Value of<br>Accumulated<br>Benefit ($)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>
      Payments<br>During Last<br>Fiscal Year ($)</B></FONT></P></TD>
  </TR>
  <TR style="font-size:0.2mm">
    <TD colspan="9" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR>
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-2.5mm; margin:0 0 0 2.5mm; "><FONT style="font-family:sans-serif; font-size:2.8mm; ">Mr. Jordan</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" valign="bottom" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      Qualified<br>Restoration</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" valign="bottom" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      6 yrs<br>6 yrs</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="right" valign="bottom" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      $286,332<br>856,035</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" valign="bottom" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;<br>&#151;</FONT></P></TD>
  </TR>
  <TR style="font-size:0.2mm">
    <TD colspan="9" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR>
    <TD>
    <P style="text-indent:-2.5mm; margin:0 0 0 2.5mm; "><FONT style="font-family:sans-serif; font-size:2.8mm; ">Mr. Kisber</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center" valign="bottom"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      Qualified<br>Restoration</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center" valign="bottom"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      20 yrs<br>NA</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="right" valign="bottom"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      $947,911<br>NA</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center" valign="bottom"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;<br>NA</FONT></P></TD>
  </TR>
  <TR style="font-size:0.2mm">
    <TD colspan="9" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR>
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-2.5mm; margin:0 0 0 2.5mm; "><FONT style="font-family:sans-serif; font-size:2.8mm; ">Mr. Popwell</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" valign="bottom" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      Qualified<br>Restoration</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" valign="bottom" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      6 yrs<br>6 yrs</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="right" valign="bottom" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      $306,726<br>399,873</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" valign="bottom" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;<br>&#151;</FONT></P></TD>
  </TR>
  <TR style="font-size:0.2mm">
    <TD colspan="9" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR>
    <TD>
    <P style="text-indent:-2.5mm; margin:0 0 0 2.5mm; "><FONT style="font-family:sans-serif; font-size:2.8mm; ">Mr. Tuggle</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center" valign="bottom"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      Qualified<br>Restoration</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center" valign="bottom"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      9 yrs<br>9 yrs</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="right" valign="bottom"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      $580,141<br>980,820</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center" valign="bottom"><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      &#151;<br>&#151;</FONT></P></TD>
  </TR>
  <TR style="font-size:0.2mm">
    <TD colspan="9" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Explanations of certain columns follow:</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Col (c).</I></B> This column shows full years of credited service, unchanged since 2012.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Col (d).</I></B> Column (d) reflects the actuarial present value of each named executive&#146;s accumulated benefit, computed as of the same pension plan measurement date used for financial statement reporting purposes with respect to 2017 except that retirement age is assumed to be the normal retirement age of 65. Column
  (d) amounts were calculated by the pension plan actuary using the projected unit credit cost method. This method </FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">75</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>POST-EMPLOYMENT COMPENSATION</B></FONT></P>
</DIV>
<P style="margin:2.1mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">recognizes cost in an increasing pattern as a participant approaches retirement. The 2017 discount rates are 3.76% for the pension plan and 3.59% for the pension restoration plan and reflect the expected average term until settlement of each of these plans. The assumptions on which the amounts presented in the
  table are based are discussed in note 18 to our financial statements.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Col (e).</I></B> No pension benefit amounts were paid during 2017 to any named executive officer.</FONT></P>
<P style="margin:10.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B><a name=c90447_non1>Non-Qualified Deferred Compensation Plans</a></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">We provide several plans allowing executives to defer receipt and taxation of cash salary and bonus. Deferred amounts are credited to accounts and earnings accrue according to the provisions of each plan. Participants have some discretion regarding the length of the deferral period, the investment criteria upon
  which earnings are based, and whether payout will be lump sum or an annuity. A commonly selected deferral period lasts until employment terminates. These plans are unfunded: no trust holds funds in the accounts, which legally are unsecured debt we owe participants.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">In all plans each account is fully vested and non-forfeitable. Except for the timing of payments, plan accounts are not reduced or enhanced by termination of employment, change in control, or other event.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The qualified plan allows an employee to make contributions of salary into a plan account, subject to limits imposed by tax laws. We provide a 100% match under the broad-based tax-qualified savings plan for the first 6% of salary each eligible participant (having at least one year of service) elects to defer into the plan.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">We have adopted a savings restoration plan for those employees, including most executives, whose base salary exceeds the tax limits imposed on the qualified plan. The restoration plan provides a nonqualified vehicle for highly-paid employees to continue to participate in a savings plan beyond the tax law limits.
  Unlike the qualified plan, the restoration plan is unfunded. The restoration plan offers many of the same investment options as the qualified plan, but our stock is not among those.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">We reduce the risk of our obligations under the restoration and other nonqualified deferred compensation plans by purchasing investments designed to track the performance of the investment elections made by participants.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Information concerning account activities and balances of the named executive officers with respect to non-qualified deferred compensation plans is presented below.</FONT></P>
<P align="center" style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>Nonqualified Deferred Compensation</B></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="bottom">
    <TD style="width:20.13%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:13.79%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:13.79%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:12.26%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:13.66%;" align="center"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:13.22%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="31" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="center">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>(a)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      (b)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      (c)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      (d)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      (e)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      (f)</B></FONT></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="center">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>Name</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Executive<br>Contributions in<br>Last Fiscal<br>Year ($)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Company<br>Contributions in<br>Last Fiscal<br>Year ($)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Aggregate<br>Earnings in<br>Last<br>Fiscal Year ($)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Aggregate<br>Withdrawals/<br>Distributions ($)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Aggregate<br>Balance at Last<br>Fiscal Year<br>End ($)</B></FONT></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="31" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Jordan</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       403,350</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       36,300</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       346,262</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       2,559,705</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Losch</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      24,600</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      12,300</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      22,748</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      169,505</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Kisber</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      39,600</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      19,800</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      70,309</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      1,383,381</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Popwell</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      27,600</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      13,800</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      19,919</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      182,655</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Tuggle</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      24,600</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      12,300</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      82,307</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      564,541</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="31" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Explanations of certain columns follow:</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Col (b). </I></B><I>Traditional deferred compensation plan.</I> Currently up to 80% of cash salary and 80% of annual cash bonus may be deferred in the traditional deferred compensation plan for executives.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Col (b). </I></B><I>Savings restoration plan</I>. Column (b)&nbsp;includes executive salary contributions to this plan.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Col (c). </I></B>Includes company matching contributions under the savings restoration plan. We make no company contributions to the traditional deferred compensation plan.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Col (d).</I></B> Earnings reflect interest for those accounts that earn interest. For accounts that are phantom shares of stock or mutual funds, earnings reflect increases and decreases of account value throughout the year. Those amounts are netted as applicable to the individual.</FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">76</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>POST-EMPLOYMENT COMPENSATION</B></FONT></P>
</DIV>
<P style="margin:2.1mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Col (e).</I></B> Hardship withdrawals are allowed under certain plans. Except under the savings restoration plan, an in-service distribution date may be selected when the deferral election is made.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Col (f).</I></B> Certain plan accounts are denominated as numbers of shares of stock or mutual funds. All such accounts are valued based on the fair market value of those shares at year-end.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The information above excludes the tax-qualified savings plan. For additional information concerning deferred compensation plans see &#147;Deferral, Retirement, and Other Benefits&#148; beginning on page&nbsp;63.</FONT></P>
<P style="margin:10.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B><a name=c90447_employment1>Employment &amp; Termination Arrangements</a></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">We have no employment agreement with any named executive. Many plans and programs contain special provisions regarding termination of employment in various common situations, including in connection with retirement or a change in control. We also have certain other arrangements that deal primarily with
  retirement and change in control situations. This section provides information concerning those provisions and arrangements.</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      <a name=c90447_termination1>Termination Unrelated to Change in Control</a></B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The table below summarizes the impact upon the amounts of various items of compensation of a termination of employment under certain circumstances, other than termination related to a change in control event. Change in control situations are discussed in the following section. In addition to forfeiture of unpaid
  benefits, many awards provide for clawback of paid benefits if discharge &#147;for cause,&#148; as defined in the applicable program, occurs within two years of payment.</FONT></P>
<P align="center" style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>Impact of Termination Events on Unpaid Compensation Items</B></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:18.95%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:18.95%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:18.95%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:18.95%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:18.95%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="9" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>
      Resignation/Discharge</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>
      Death/Disability</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>
      Retirement</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>
      Key Facts</B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="9" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      MIP Bonus Opportunity</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      Forfeit</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      Generally forfeit, but discretionary payment is possible</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      Generally forfeit, but discretionary payment is possible</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      Committee can pro-rate or fully waive service requirement, still subject to
      performance conditions</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="9" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      PSUs</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      Forfeit</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      Pro-rated waiver of service requirement, no waiver of performance</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      For approved retirement, pro-rated waiver of service requirement, no waiver of
      performance</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      Committee may require covenants such as non-competes as a condition for
      retirement approval</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="9" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      Exercisable Stock Options</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      Expire 3 months after termination</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      Expire 3 years after termination</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      Expire 3 years after termination</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      Option term is shortened to new expiration date, cannot be extended</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="9" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      Unexercisable Stock Options</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      Forfeit</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      Expire 3 years after termination</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      Expire 3 years after termination</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      Option term is shortened to new expiration date, cannot be extended</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="9" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      Restricted Stock &amp; RSUs</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      Forfeit</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      Pro-rated</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      Discretionary payment is possible, usually pro-rated if approved</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      Committee may accelerate vesting in normal retirement situations subject to
      compliance with covenants such as non-competes</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="9" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      Pension Plans, Qual&#146;d Savings Plan, NQ Def&#146;d Comp Plans</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      No impact</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      No impact</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      No impact</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      Contributions, accounts, and benefits are fully vested</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="9" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      Savings Restoration Plan</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      Lump sum payment</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      Lump sum payment</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      Lump sum payment</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:2.8mm; ">
      Benefits are fully vested; any termination triggers payment</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="9" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">77</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>POST-EMPLOYMENT COMPENSATION</B></FONT></P>
</DIV>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>
      <a name=c90447_change2>Change in Control (CIC) Arrangements</a></B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD align="center" style="border-top:solid 0.7mm #1496c4; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Special change in control (CIC) severance agreements are in place with each named executive officer. In addition, many of our compensation programs have special provisions that apply if we experience a CIC event. This section provides information concerning arrangements and benefits that would apply if a CIC
  occurs.</FONT></P>
<P style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>CIC Definition</I></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">In our plans and programs the term &#147;change in control&#148; includes the following events:</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      A majority of the members of our Board of Directors changes, with certain exceptions.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      A person or other entity becomes the beneficial owner of 20 percent or more of our outstanding voting stock, with certain exceptions.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Our shareholders approve, and there is a consummation of, a merger or other business combination, unless (i) more than 50% (60% in the CIC severance agreements) of the voting power resulting from the business combination is represented by voting securities outstanding immediately prior thereto, (ii) no person
      or other entity beneficially owns 20% or more of the resulting corporation, and (iii) at least a majority (a two-thirds majority in the CIC severance agreements) of the members of the board of directors of the resulting corporation were our directors at the time of board approval of the transaction.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Our shareholders&#146; approve a plan of complete liquidation or dissolution or a sale of substantially all of our assets. In 2016, two major plans&#151;the Equity Compensation Plan and the Management Incentive Plan&#151;were amended so that consummation of an asset sale, rather than mere approval, is a CIC event.</FONT></P>
    </TD>
  </TR>
</TABLE>
<P style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Summary of CIC Effects</I></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The following table summarizes the impacts of a CIC event on various items of compensation. Details about current dollar amounts of many of these items are provided in the &#147;CIC Potential Payout&#148; section below.</FONT></P>
<P align="center" style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>Impact of CIC on Unpaid Compensation Items</B></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:31.58%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:31.58%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:31.58%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="5" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Item</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Impact</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Key Factors</B></FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="5" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      MIP Bonus Opportunity</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      Pro-rate target amount of bonus if employment terminates</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      Performance at target is presumed; pro-rating is based on % of performance period elapsed</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="5" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      PSUs</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      Award is paid at target if employment terminates; award may be adjusted, or converted to non-performance RSUs, if
      employment continues.</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      Committee has discretion to adjust or convert awards depending on the CIC context</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="5" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      Exercisable Stock Options</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      No impact</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="5" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      Restricted Stock, RSUs, Unexercisable Stock Options</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      Accelerate if employment terminates, otherwise no impact</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      Awards have a double-trigger feature</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="5" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      Qualified Pension Plan</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      Limited impact</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      Any excess funding is allocated to all plan participants</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="5" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      Pension Restoration Plan</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      Lump sum payment</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      See details below</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="5" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      Qualified Savings Plan</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      No impact</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="5" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      Savings Restoration Plan</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      No impact from CIC</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      Any separation results in lump sum payment; CIC itself has no effect on amount or timing of payment</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="5" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      NQ Deferred Compensation</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      Limited impact</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      Accounts are paid into rabbi trusts, inaccessible to FHN&#146;s successor</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="5" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      CIC Severance Agreements</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      Cash payment &amp; other benefits if employment terminates</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      CIC benefits are discussed in the next section</FONT></P></TD>
  </TR>
  <TR valign="top" style="font-size:0.2mm">
    <TD colspan="5" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Under the pension restoration plan, a lump sum payment is made to participants representing the present value, using a discount rate of 4.2%, of the participant&#146;s scheduled projected benefits actuarially adjusted based on the participant&#146;s age at the time of the CIC event. For participants under age 55, the CIC
  calculation is made assuming age 55 had been reached.</FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">78</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>POST-EMPLOYMENT COMPENSATION</B></FONT></P>
</DIV>
<P style="margin:4.2mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>CIC Severance Agreements</I></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">We have CIC severance agreements with all of the named executives. The agreements provide a payment equal to three times annual base salary plus three times a &#147;bonus amount&#148; if we discharge the officer other than for disability, retirement, or cause, or if the officer resigns for a predefined good reason, in either
  case within 36 months after a CIC event. The &#147;bonus amount&#148; is the average actual annual cash bonus paid over the preceding five years, excluding the years with the highest and lowest bonuses. Older agreements (Messrs.&nbsp;Jordan and Tuggle) provide generally for a federal excise tax gross-up; newer agreements
  (Messrs.&nbsp;Losch, Kisber, and Popwell) have no such provision. Severance payments are to be reduced if a small reduction in benefit (up to 5% or $50,000) would avoid the excise tax. The agreements provide for continued healthcare and life insurance benefits for an 18-month period as allowed by tax laws.
  Non-disparagement, cooperation, and non-solicitation covenants are included in the agreements. These agreements do not guarantee employment for any term or period; they only apply if loss of employment occurs following a CIC event. Each agreement can be terminated unilaterally upon three years&#146; prior notice.</FONT></P>
<P style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>CIC Potential Payout</I></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The table below shows potential amounts payable to the named executive officers if a CIC occurred and employment with us terminated on December&nbsp;31, 2017. The closing stock price on December&nbsp;31, 2017 of $19.99 per share is used when valuing stock based items. For purposes of the table, the following
  assumptions and adjustments have been made: (1) the present value of future health and welfare and other non-cash benefits is calculated by using current costs; (2) the value of non-forfeited stock options is based solely on the spread between the option price and our actual year-end stock value; and (3)&nbsp;no forfeiture
  factors exist. Many of the amounts shown in the table accelerate the timing of payment of an amount that would have been paid eventually without increasing the amount paid. The table shows all payment amounts, whether or not increased by the CIC and termination, whether or not increased by the CIC, for the
  sake of completeness.</FONT></P>
<P align="center" style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>Potential Dollar Value of Payments Upon An Assumed<br>Termination of Employment at Year-End 2017 Related to a CIC Event</B></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="bottom">
    <TD style="width:10.29%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:8.74%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:8.74%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:9.70%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:9.71%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:8.52%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:6.39%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:6.31%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:10.06%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:9.70%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD><P><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>
      Name</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>
      Cash<br>Severance</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>
      Pro Rata<br>Bonus*</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>
      Stock<br>Awards</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>
      Pension<br>Restoration**</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>
      Savings<br>Restoration</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>
      Health &amp;<br>Welfare</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>
      Other</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>
      Tax Gross-up<br>Payments***</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:2.8mm; "><B>
      Total</B></FONT></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="64" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-2.8mm; margin:0 0 0 2.8mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">Mr. Jordan</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
       5,684,400</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
       1,019,800</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
       15,480,439</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
       765,986</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
       394,586</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
       28,988</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
       25,000</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
       7,551,833</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
       30,951,032</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 2.8mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">Mr. Losch</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      2,491,250</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      355,417</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      2,991,924</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      NA</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      169,505</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      24,066</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      25,000</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      NA</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      6,057,162</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-2.8mm; margin:0 0 0 2.8mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">Mr. Kisber</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      8,424,000</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      2,208,000</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      1,938,127</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      NA</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      436,604</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      26,987</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      25,000</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      NA</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      13,058,718</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 2.8mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">Mr. Popwell</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      2,687,500</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      395,833</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      3,204,193</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      362,440</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      182,655</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      24,647</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      25,000</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      NA</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      6,882,268</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-2.8mm; margin:0 0 0 2.8mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">Mr. Tuggle</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      2,548,000</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      374,333</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      2,250,201</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      NA</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      209,414</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      24,066</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      25,000</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      NA</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      5,431,014</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="64" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:13pt;" align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      *</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      The amounts in this column reflect the &#147;bonus amount&#148; defined in each CIC severance agreement discussed above.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:13pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      **</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      Absent a CIC event, a participant in the pension restoration plan can elect, at termination of employment, to receive a lump sum payment based on the present actuarial value of the expected pension payment stream. In a CIC context, participants will receive a lump sum payment in lieu of the payment stream. If a participant terminated in relation to a CIC is under age 55
      or has less than 15 years of service, the CIC lump-sum payment would be enhanced to reflect that age and those service years. The amounts in the Pension Restoration column of the table for Messrs. Jordan and Popwell reflect an estimate of that enhancement measured at year-end. Due to his age and length of service, Mr. Tuggle would receive no such enhancement.
      Messrs. Losch and Kisber are not participants.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:13pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      ***</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      Messrs. Jordan and Tuggle have the right to receive an excise tax gross-up payment, an estimate of which is included in the table. Based on the assumptions of his hypothetical termination at year-end, Mr. Tuggle&#146;s estimated gross-up amount would be zero. For Messrs. Losch, Kisber, and Popwell, who have agreements after 2008, no gross-up would be paid.</FONT></P>
    </TD>
  </TR>
</TABLE>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">79</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>DIRECTOR COMPENSATION</B></FONT></P>
</DIV>
<P style="margin:4.2mm 0 6.3mm; "><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B><a name=c90447_director2>D</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>IRECTOR</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> C</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>OMPENSATION</a></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B>Directors in 2017</B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">At year-end 2017 and currently, we have twelve directors:</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:23.03%;" align="center"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:23.03%;" align="center"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center" style="background:#bae1ee; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      John C. Compton</B></FONT></P></TD>
    <TD width="3"style="background:#bae1ee;">&nbsp;</TD>
    <TD align="center" style="background:#bae1ee; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Vicki R. Palmer</B></FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Mark A. Emkes</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Colin V. Reed</B></FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center" style="background:#bae1ee; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Peter M. Foss</B></FONT></P></TD>
    <TD width="3"style="background:#bae1ee;">&nbsp;</TD>
    <TD align="center" style="background:#bae1ee; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Cecelia D. Stewart</B></FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Corydon J. Gilchrist</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Rajesh Subramaniam</B></FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center" style="background:#bae1ee; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      D. Bryan Jordan</B><I><br>(Chairman)</I></FONT></P></TD>
    <TD width="3"style="background:#bae1ee;">&nbsp;</TD>
    <TD align="center" style="background:#bae1ee; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      R. Eugene Taylor</B><I><br>(Vice Chairman)</I></FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Scott M. Niswonger</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      Luke Yancy III</B></FONT></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Messrs. Foss and Taylor joined the Board on November 30 after consummation of our merger with Capital Bank Financial Corp.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">In addition, R. Brad Martin served during most of 2017. Mr. Martin retired in December after 23&nbsp;years of service. Compensation paid to Mr.&nbsp;Martin in 2017 is included in the following disclosures.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Messrs. Jordan and Taylor serve on our Board but, because they are also employees, they are not paid for Board service. No director program discussed in this section applies to either of them. No other director is an employee of ours. For information concerning Mr. Jordan, see &#147;Compensation Discussion &amp; Analysis,&#148;
  &#147;Recent Compensation,&#148; and &#147;Post-Employment Compensation&#148; beginning on pages 43, 66, and 75, respectively. Information concerning Mr. Taylor is provided in this section.</FONT></P>
<P style="margin:10.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B><a name=c90447_non2>Non-Employee Director Compensation Programs</a></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Non-employee director compensation falls into two categories: base retainer and additional retainers. For each director the base retainer is $130,000, paid half in cash and half in RSUs. Additional retainers are paid in cash for particular assignments, such as lead director or Audit Committee chair. Audit Committee
  members who also serve on the Trust Audit Committee of the Bank are not separately compensated for Trust Audit service. The pay year for our directors starts April&nbsp;1 and ends March 31, roughly synchronous with our annual meeting.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Director pay is summarized in this table:</FONT></P>
<P align="center" style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>Director Compensation 2017-18</B></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="bottom">
    <TD style="width:33.77%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:12.28%;" align="center"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="3" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Item</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Annual Amt</B></FONT></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="3" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-2.8mm; margin:0 0 0 2.8mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>Base Retainer &#150; cash portion:</B></FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      $65,000</FONT></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="3" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 2.8mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>Base Retainer &#150; RSU portion:</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      65,000</FONT></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="3" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-2.8mm; margin:0 0 0 2.8mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>Additional Retainers (all cash):</B></FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="3" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 5.6mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">Lead director</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      25,000</FONT></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="3" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-2.8mm; margin:0 0 0 5.6mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">Chairman &#150; Audit</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      32,000</FONT></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="3" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 5.6mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">Chairman &#150; Executive &amp; Risk</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      28,000</FONT></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="3" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-2.8mm; margin:0 0 0 5.6mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">Chairman &#150; Compensation</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      17,500</FONT></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="3" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 5.6mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">Chairman &#150; other committees</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      10,000</FONT></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="3" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-2.8mm; margin:0 0 0 5.6mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">Non-chair service &#150; Audit</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      8,000</FONT></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="3" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-2.8mm; margin:0 0 0 5.6mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; ">Non-chair service &#150; Exec &amp; Risk</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      8,000</FONT></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="3" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">RSUs are granted under our Equity Compensation Plan following election at the annual meeting. RSUs vest in the year following grant, accrue dividends while unvested, and are paid in stock. Payment is required to be deferred for two years after vesting; the dollar value at grant is discounted to reflect that deferral.
  Grants are pro-rated for anyone elected to the Board after the annual meeting, such as Mr. Foss.</FONT></P>
<P style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Other Non-Employee Director Programs</I></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Non-employee directors may serve as members of our Bank&#146;s regional boards and may be paid, as additional Board compensation, cash attendance fees up to $500 per regional board meeting. In addition, directors may receive the following benefits: a personal account executive, a no fee personal checking account
  for the director and his or her spouse, a debit card, a no-fee VISA card, no fee for a safe deposit box, no fee for traveler&#146;s checks and cashier&#146;s checks, use of tickets for marketing and other business events up to $5,000 in value, and, subject to certain restrictions and limitations, the repurchase of shares of our
  common stock under a Board-approved repurchase program with no payment of any fees or commissions. Directors may participate in a charitable gift matching program up to $25,000 per year.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Many directors have nonqualified deferred compensation accounts that earn interest or returns indexed to the performance of certain mutual funds selected by the director.</FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">80</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>DIRECTOR COMPENSATION</B></FONT></P>
</DIV>
<P style="margin:2.1mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">Prior to 2006, directors could receive stock options in lieu of fees under certain deferral plans, some of which remain outstanding.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">From 1985 to 1995, directors could defer fees and receive an accrual of interest at rates ranging from 17-22 percent annually. Although new deferrals under that old plan have not been permitted since 1995, interest continues to accrue on outstanding accounts. The rate is re-set annually. For many years, the rate has been set at 7
  percentage points above a benchmark rate. For the 2017 plan year, the interest rate was 9.28% for all active participants including two directors, Ms.&nbsp;Palmer and Mr. Martin (who has since retired as a director). For 2018, the rate has increased to 10.12%, corresponding to an increase in the benchmark rate. The plan continues to
  provide a retention tool for us since the above-market rates of return can be largely forfeited in a case of early departure from Board service.</FONT></P>
<P style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Stock Ownership Guidelines</I></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Our stock ownership guidelines set a stock ownership benchmark for non-employee directors of $325,000, or five times the cash portion of the base retainer. For this purpose, fully-owned shares, RSUs, and any shares held in tax-deferred plans are counted, but stock options are not counted. If the ownership guideline is
  satisfied, 50% of the net after-tax shares received from stock awards must be retained. If the guideline is not satisfied, 75% must be retained. The retention requirement applies during a director&#146;s tenure on our Board, except that after age 60 directors are permitted to sell shares held at least three years to diversify in
  preparation for retirement. As Vice Chairman who is also an employee, Mr. Taylor&#146;s ownership benchmark is six times his cash salary.</FONT></P>
<P style="margin:10.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B><a name=c90447_non3>Director Compensation Table</a></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The following table shows compensation earned last year by directors other than Mr. Jordan, whether or not deferred.</FONT></P>
<P align="center" style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>Director Compensation 2017</B></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="bottom">
    <TD style="width:17.11%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:10.61%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:10.37%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:6.32%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:12.19%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:14.46%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:12.19%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:10.37%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="50" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="center">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>(a)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      (b)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      (c)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      (d)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      (e)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      (f)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      (g)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      (h)</B></FONT></P></TD>
  </TR>
  <TR valign="bottom">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Name</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Fees Earned<br>or Paid in<br>Cash<br>($)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Stock<br>Awards<br>($)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Option<br>Awards<br>($)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Non-Equity<br>Incentive Plan<br>Compensation<br>($)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Change in<br>Pension Value<br>and Nonqualified<br>Deferred<br>Compensation<br>Earnings<br>($)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      All Other<br>Compensation<br>($)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Total<br>($)</B></FONT></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="50" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Compton</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       91,000</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       64,985</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       180,985</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="50" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Emkes</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      97,000</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      64,985</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      25,400</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      187,385</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="50" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Foss</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      18,944</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      18,944</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="50" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Gilchrist</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      81,000</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      64,985</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      25,000</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      170,985</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="50" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Martin</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      65,000</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      64,985</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      9,340</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      87,524</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      161,864</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="50" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Niswonger</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      73,000</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      64,985</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      25,000</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      162,985</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="50" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Ms. Palmer</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      90,500</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      64,985</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      10,344</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      25,000</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      190,829</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="50" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Reed</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      116,750</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      64,985</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      25,000</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      206,735</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="50" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Ms. Stewart</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      83,000</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      64,985</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      147,985</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="50" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Subramaniam</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      73,000</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      64,985</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      11,500</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      149,485</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="50" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Yancy</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      83,000</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      64,985</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      147,985</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="50" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Taylor*</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      2,099,995</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      153,381</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      2,253,376</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="50" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      *</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      As an employee Mr. Taylor does not participate in any non-employee director program. His compensation is governed largely by his employment agreement. See &#147;Taylor Arrangements&#148; below.</FONT></P>
    </TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Explanations of certain columns follow:</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Col (c) Stock Awards.</I></B> Includes RSUs granted to non-employee directors during calendar 2017. Amounts shown are the grant date fair values of awards using the accounting method applicable to our financial statements. The accounting values are higher than the base retainer amount scheduled in the table above
  captioned &#147;Director </FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">81</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>DIRECTOR COMPENSATION</B></FONT></P>
</DIV>
<P style="margin:2.1mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">Compensation 2017-18&#148; due to the value discount applied for the mandatory two-year payment deferral for those awards. For additional information about valuation see the note for columns (e)-(f) to the Summary Compensation Table on page 67. Additional information about outstanding awards appears under the
  caption &#147;Outstanding Director Equity Awards at Year-End&#148; below. For Mr. Taylor, this column shows the grant of a special restricted stock award required by his employment agreement. Mr. Taylor did not receive any regular stock awards in 2017. See &#147;Taylor Arrangements&#148; below for additional information.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Col (e) Incentive Plan
Compensation. </I></B>Non-employee directors do not receive cash incentives. We did not pay Mr. Taylor a cash incentive under
our plans in relation to 2017.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Col (f) Deferred Compensation.</I></B> Amounts consist of above-market interest accrued during the year under a plan discontinued in 1995.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Col (g) All
Other Compensation.</I></B> For non-employee directors, amounts in this column consist of matching donations to eligible
charitable organizations by First Horizon Foundation and cash attendance fees from regional board meetings. For Mr. Martin,
the amount also includes $61,702 paid in lieu of three-fourths of   his 2017 RSU award, which forfeited automatically when he
retired in December. For Mr. Taylor, this column includes cash salary ($67,308), bonus owed by Capital Bank and paid by
us ($84,932), and the value of perquisites and other personal benefits ($1,141) paid during 2017. See &#147;Taylor
Arrangements&#148; below for additional information.</FONT></P>
<P style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Taylor Arrangements</I></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Taylor signed an employment agreement with us in anticipation of our merger with Capital Bank Financial Corp. (&#147;CBF&#148;), of which he was Chief Executive Officer. His agreement provides a framework for his salary, bonus opportunity, a special stock-based award, and other employment matters during the
  agreement&#146;s two-year term.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Taylor&#146;s employment agreement provides for an annual base salary floor of $700,000 and an annual incentive payment of no less than 100% of base salary. He also is entitled to the continuation of certain welfare benefits which had been provided to him by CBF.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">At the closing of the merger he received a special award of 108,303 shares of restricted stock. The award had a grant date value of $2.1 million and will vest on its second anniversary, subject to Mr.&nbsp;Taylor&#146;s continued employment. Vesting of the award is required to accelerate if his employment is terminated without
  cause, he resigns with good reason, or his death or disability occurs, all as provided in the agreement.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Taylor&#146;s agreement has specific provisions for compensation if his employment with us terminates under various circumstances:</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      During the agreement&#146;s term, if Mr. Taylor&#146;s employment is terminated without cause or he resigns with good reason, he would be entitled to receive a lump sum cash payment equal to his base salary and the minimum annual incentive payment he would have received through the second anniversary of the merger
      closing, a prorated bonus for the year of termination (based on target performance), continued benefits for 36 months, and accelerated vesting of his special award mentioned above.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Upon Mr. Taylor&#146;s death or disability during the agreement&#146;s term, he would be entitled to receive a prorated bonus for the year of termination (based on target performance), accelerated vesting of the special award, and continued welfare benefits as described above.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      If Mr. Taylor&#146;s employment terminates at or after expiration of his agreement, he would be entitled to receive a prorated bonus for the year of termination (based on target performance) and continued welfare benefits as described above.</FONT></P>
    </TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">If Mr. Taylor resigns without good reason or is terminated with cause during the term of the agreement, he would be entitled to continued welfare benefits as described above.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">As an employee and officer, Mr. Taylor generally is eligible to participate in plans and programs applicable to our other employees and officers, subject to the terms of his employment agreement.</FONT></P>
<P style="margin:10.5mm 0 2.1mm; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B><a name=c90447_outstanding2>Outstanding Director Equity Awards at Year-End</a></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Directors receive annual RSU awards, and hold option awards from an old deferral program, as presented in the following table. All options are vested. All other awards were unvested at year-end. Awards held by Mr. Jordan are omitted from the table; see &#147;Outstanding Stock Awards at Fiscal Year-End&#148; beginning on
  page 72 for additional information.</FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">82</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>DIRECTOR COMPENSATION</B></FONT></P>
</DIV>
<P align="center" style="margin:4.2mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.2mm; "><B>Outstanding Equity Awards at Fiscal Year-End 2017<br>Held by Directors</B></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="bottom">
    <TD style="width:22.60%;"><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:10.40%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:8.95%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:13.05%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:16.15%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:15.68%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="36" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      (a)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      (b)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      (c)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      (d)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      (e)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      (f)</B></FONT></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD rowspan="2"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Name</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="20" align="center" style="border-bottom:solid .27mm Black; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Stock Options</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="13" align="center" style="border-bottom:solid .27mm Black; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Restricted Stock or Unit Awards</B></FONT></P></TD>
  </TR>
  <TR valign="bottom">
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Number of<br>Securities<br>Underlying<br>Unexercised<br>Options(#)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Option<br>Exercise<br>Price($/sh)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Option<br>Expiration Date</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B><br>Number of Shares<br>or Units of Stock<br>Held that Have Not<br>Vested(#)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Market Value of<br>Shares or Units of<br>Stock that Have<br>Not Vested($)</B></FONT></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="36" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Compton</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4,059</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       81,139</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="36" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Emkes</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4,059</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       81,139</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="36" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Foss</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      977</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       19,530</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="36" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Gilchrist</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4,059</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       81,139</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="36" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Martin</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      0</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       0</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4,704</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       22.26</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      6/30/2018</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      3,951</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      26.53</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      12/31/2018</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      3,484</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      27.22</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      6/30/2019</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      3,334</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      20.40</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      12/31/2019</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      2,852</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      23.49</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      7/2/2021</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      3,009</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      23.91</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      1/2/2022</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      2,842</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      25.34</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      7/1/2022</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      3,119</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      24.36</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      12/4/2022</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="36" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Niswonger</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4,059</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       81,139</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="36" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Ms. Palmer</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4,059</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       81,139</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4,196</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       22.26</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      6/30/2018</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4,378</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      26.53</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      12/31/2018</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      3,848</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      27.22</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      6/30/2019</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4,584</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      20.40</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      12/31/2019</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      5,226</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      11.85</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      7/3/2020</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      3,518</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      18.85</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      1/2/2021</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      3,107</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      23.49</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      7/2/2021</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      3,093</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      23.91</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      1/2/2022</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      2,764</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      25.34</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      7/1/2022</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      2,709</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      24.36</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      1/2/2023</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      1,121</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      18.28</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      7/1/2023</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      2,028</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      18.24</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      1/2/2024</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="36" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Reed</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4,059</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       81,139</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="36" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Ms. Stewart</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4,059</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       81,139</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="36" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Subramaniam</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4,059</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       81,139</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="36" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Yancy</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4,059</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       81,139</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      1,379</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       23.91</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      1/2/2022</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      2,921</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      25.34</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      7/1/2022</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      3,202</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      24.36</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      1/2/2023</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      1,011</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      18.28</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      7/1/2023</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD colspan="6" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      1,535</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      18.24</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      1/2/2024</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD colspan="6"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="36" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Taylor*</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      108,303</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       2,164,977</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="36" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      *</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      As an employee Mr. Taylor does not participate in any non-employee director program. His stock award was required by his employment agreement. See &#147;Taylor Arrangements&#148; above.</FONT></P>
    </TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Explanations of certain columns follow:</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Cols (b)/(c).</B> Stock options include adjustments for stock dividends distributed 2008-2011, the cumulative compound rate of which was 20.0380%.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Col (e).</B> Awards held by non-employee directors are RSUs which vest on April 2, 2018. Mr. Taylor&#146;s award consists of restricted stock scheduled to vest on November 30, 2019.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Col (f).</B> Values reflect the year-end market value of our common stock ($19.99/share) with no discount for the risk that the award might be forfeited or for the time remaining before vesting. Values shown here are not based on financial accounting assumptions or methods.</FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">83</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>DIRECTOR COMPENSATION</B></FONT></P>
</DIV>
<P style="margin:2.1mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">Details concerning the awards outstanding at year-end are provided in the following table.</FONT></P>
<P align="center" style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.2mm; "><B>Details Concerning Director Full-Value Stock Awards<br>Outstanding at Year-End 2017</B></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="bottom">
    <TD style="width:26.32%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:10.37%;" align="center"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:10.81%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:9.16%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="17" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Name</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Grant<br>Date</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Vesting Date</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Units/Shrs<br>Vesting (#)</B></FONT></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="17" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Compton</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4/25/2017</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4/2/2018</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4,059</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="17" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Emkes</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4/25/2017</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4/2/2018</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4,059</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="17" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Foss</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      11/30/2017</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4/2/2018</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      977</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="17" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Gilchrist</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4/25/2017</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4/2/2018</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4,059</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="17" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Niswonger</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4/25/2017</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4/2/2018</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4,059</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="17" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Ms. Palmer</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4/25/2017</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4/2/2018</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4,059</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="17" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Reed</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4/25/2017</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4/2/2018</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4,059</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="17" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Ms. Stewart</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4/25/2017</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4/2/2018</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4,059</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="17" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Subramaniam</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4/25/2017</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4/2/2018</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4,059</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="17" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Yancy</FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4/25/2017</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4/2/2018</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4,059</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="17" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Taylor</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      11/30/2017</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      11/30/2019</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      108,303</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="17" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<P style="margin:10.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B><a name=c90447_doe2>Director Options Exercised and Stock Vested</a></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The following table provides information about stock options exercised during 2017 by our directors as well as stock units that vested during 2017. Amounts in columns (c) and (e) represent the market values of shares on the exercise or vesting dates. Messrs. Foss and Taylor hold no stock options and had no
  vestings in 2017, and so are omitted from this table. Information for Mr.&nbsp;Jordan also is omitted from the table; see &#147;Options Exercised and Stock Vested&#148; beginning on page 74 for his information.</FONT></P>
<P align="center" style="margin:6.3mm 0 0; "><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>Director Options Exercised and Stock Vested During 2017</B></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="bottom">
    <TD style="width:36.26%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:14.11%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:12.47%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:15.11%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:11.52%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="29" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      (a)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      (b)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      (c)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      (d)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      (e)</B></FONT></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD rowspan="2"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Name</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="13" align="center" style="border-bottom:solid .27mm Black; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Option Awards</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="13" align="center" style="border-bottom:solid .27mm Black; "><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Stock Awards</B></FONT></P></TD>
  </TR>
  <TR valign="bottom">
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Number of<br>Shares Acquired<br>on Exercise(#)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Value Realized<br>Upon Exercise<br>($)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Number of<br>Shares<br>Acquired or Units<br>Paid Upon<br>Vesting(#)</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.1mm; "><B>
      Value<br>Realized<br>Upon Vesting<br>($)</B></FONT></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="29" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Compton</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4,510</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       82,939</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="29" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Emkes</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4,510</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      82,939</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="29" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Gilchrist</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4,510</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      82,939</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="29" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Martin*</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      11,143</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       5,974</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      7,554</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      144,641</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="29" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Niswonger</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4,510</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      82,939</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="29" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Ms. Palmer</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      5,363</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       2,987</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4,510</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      82,939</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="29" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Reed</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4,510</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      82,939</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="29" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Ms. Stewart</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4,510</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      82,939</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="29" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Subramaniam</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      3,327</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      61,184</FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="29" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD>
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mr. Yancy</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#151;</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4,510</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      82,939</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="29" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
</TABLE>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      *</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      Mr. Martin&#146;s 2017 RSU award, outstanding at his retirement, was forfeited automatically. After retirement the Board approved paying Mr. Martin the pro-rated cash value, at retirement, of the forfeited award. That payment-in-lieu is included in columns (d) and (e) as if the award had vested on those terms.</FONT></P>
    </TD>
  </TR>
</TABLE>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">84</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>

<PAGE>

<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>LEGAL MATTERS</B></FONT></P>
</DIV>
<P style="margin:4.2mm 0 6.3mm; "><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B><a name=c90447_legal1>L</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>EGAL</B></FONT><FONT style="font-family:sans-serif; font-size:8mm; color:#1496c4; "><B> M</B></FONT><FONT style="font-family:sans-serif; font-size:5.7mm; color:#1496c4; "><B>ATTERS</a></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B>Section 16(a) Beneficial Ownership Reporting Compliance<a name=c90447_section1a></a></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Section 16(a) of the Securities Exchange Act of 1934, as amended, requires our directors and officers to file with the SEC initial reports of ownership and reports of changes in ownership of our stock and to furnish us with copies of all forms filed.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">To our knowledge, based solely on a review of the copies of such reports furnished to us and written representations that no other reports were required, during the past fiscal year our officers and directors complied with all applicable Section 16(a) filing requirements.</FONT></P>
<P style="margin:10.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B><a name=c90447_availability1></a>Availability of Annual Report on Form&nbsp;10-K</B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><I>A copy of our Annual Report on Form 10-K, including the financial statements and schedules thereto, which is filed with the SEC, is available free of charge to each shareholder of record upon written request to the Treasurer, First Horizon National Corporation, P. O. Box 84, Memphis, Tennessee, 38101.</I> Each such written
  request must set forth a good faith representation that as of the record date specified in the notice of annual shareholders&#146; meeting the person making the request was a beneficial owner of a security entitled to vote at the annual meeting of shareholders.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The exhibits to the Annual Report on Form 10-K will also be supplied upon written request to the Treasurer and payment to us of the cost of furnishing the requested exhibit or exhibits. A document containing a list of the exhibits to Form&nbsp;10-K, as well as a brief description and the cost of furnishing each such exhibit,
  will accompany the Annual Report on Form 10-K.</FONT></P>
<P style="margin:10.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:5.9mm; color:#1496c4; "><B><a name=c90447_other2>Other Legal Disclosures</a></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">We are required to disclose a comparison of the 2017 total compensation of our CEO with that of our median-paid employee. For that purpose, we have selected the median employee using total federally taxable income reported by us for 2017 to the U.S. Internal Revenue Service. The median employee was that person,
  employed by us at year-end, whose 2017 taxable income ranked at the fiftieth percentile of all our employees other than the CEO. For this purpose, all employees included part-time and seasonal personnel as well as persons who joined us during the year. However, as permitted by applicable disclosure rules, in choosing the
  median employee we omitted all persons who became our employees as a result of our merger with Capital Bank Financial Corp. late in 2017.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Total compensation for our CEO in 2017, calculated using the methodology reported on pages 67 &#150; 68, was $10,333,764. Included within that total is a special multi-year cash bonus of $5,500,000, discussed at page 62 above under the caption &#147;CEO Multi-Year Cash Bonus.&#148; Excluding that special bonus, CEO total compensation
  would have been $4,833,764. Total compensation for our median employee for 2017, calculated using the same methodology, was $81,836. The ratio of 2017 total compensation for the CEO in relation to that for the median employee is one hundred twenty six to one. Excluding the CEO&#146;s special bonus, that ratio is fifty nine to
  one.</FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">85</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>LEGAL MATTERS</B></FONT></P>
</DIV>
<P style="margin:2.1mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">Late in 2017 we announced that approximately 4,000 non-bonus-eligible, non-commission employees would receive a special cash bonus of $1,000. The median employee was one of those who received that bonus, which was included in calculating the ratios above.</FONT></P>
<P style="margin:2.1mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; "><I>The information disclosed in this section was developed and is provided solely to comply with specific, new legal requirements. We do not use any of this information in managing our company. We do not believe this information provides shareholders with a useful mechanism for evaluating our management&#146;s
  effectiveness, operating results, or business prospects, nor for comparing our company with any other in any meaningful respect.</I></FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:48.68%;" align="right"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:48.68%;" align="right"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       <font style="word-spacing: -0.25pc;">&nbsp;</font></FONT></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD align="right"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD align="right"><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      BY ORDER OF THE BOARD OF DIRECTORS</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD align="right"><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; ">
      <p align="right"><img src="clydexbillingsxsig.jpg" style="margin:0 0 0 0; border:   ;"></p></FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD align="right"><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Clyde A. Billings, Jr.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD align="right"><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Senior Vice President,</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD align="right"><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Assistant General Counsel and</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD align="right"><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      Corporate Secretary</FONT></P></TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">March 12, 2018</FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">86</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>

<PAGE>

<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>APPENDIX A&#151;AUDIT COMMITTEE CHARTER</B></FONT></P>
</DIV>
<P align="center"><FONT style="font-family:sans-serif; font-size:4.5mm; "><B><a name=c90447_appendix1>AUDIT COMMITTEE CHARTER</a><br><u style="border-bottom: 0.50pt black;">FIRST HORIZON NATIONAL CORPORATION</u><br>(As Amended and Restated as of July 25, 2017)</B></FONT></P>
<P align="center" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><u style="border-bottom: 0.50pt black;">Establishment and Purposes of the Committee</u></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Acting pursuant to Tennessee Code Annotated Section 48-18-206, Article 11(b)(8) of the Corporation&#146;s restated charter, as amended, and Section 3.5 of the Corporation&#146;s bylaws, as amended, the Board of Directors of First Horizon National Corporation hereby creates the Audit Committee (the &#147;Committee&#148;) of the Board
  of Directors, which shall: (1) assist the Board of Directors in its oversight of (a) the Corporation&#146;s accounting and financial reporting principles and policies and internal controls and procedures, (b) the integrity of the Corporation&#146;s financial statements, (c) the Corporation&#146;s compliance with legal and regulatory
  requirements, (d) the independent auditor&#146;s qualifications and independence, and (e) the performance of the independent auditor and Corporation&#146;s internal audit function; and (2)&nbsp;prepare the report to be included in the Corporation&#146;s annual proxy statement pursuant to the proxy rules of the Securities and Exchange
  Commission (&#147;SEC&#148;).</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The function of the Committee is oversight. Management of the Corporation is responsible for preparation, presentation and integrity of the Corporation&#146;s financial statements. Management is responsible for maintaining appropriate accounting and financial reporting principles and policies and internal controls and
  procedures to provide for compliance with accounting standards and applicable laws and regulations, and the officer in charge of the Corporation&#146;s internal audit function (&#147;internal auditor&#148;) is responsible for testing such internal controls and procedures. The independent auditor is responsible for planning and carrying
  out a proper audit of the Corporation&#146;s annual financial statements, reviews of the Corporation&#146;s quarterly financial statements prior to the filing of each quarterly report on Form 10-Q, and other procedures. It is recognized that, in fulfilling their responsibilities hereunder, members of the Committee are not full-time
  employees of the Corporation and are not, and do not represent themselves to be, performing the functions of accountants or auditors. As such, it is not the duty or responsibility of the Committee or its members to conduct &#147;field work&#148; or other types of auditing or accounting reviews or procedures or to set auditor
  independence standards, and each member of the Committee shall be entitled to rely on (1) the integrity of those persons and organizations within and outside the Corporation from which it receives information, (2) the accuracy of the financial and other information provided to the Committee by such persons or
  organizations absent actual knowledge to the contrary (which shall be promptly reported to the Board) and (3) the representations made by management as to any non-audit services provided by the independent auditor to the Corporation. Further, in fulfilling their responsibilities hereunder, the members of the
  Committee will incorporate the use of reasonable materiality standards, including the size of the Corporation and the nature, scope and risks of the activities conducted.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The independent auditor for the Corporation is accountable to the Committee as representatives of the shareholders and must report directly to the Committee. The Committee has the authority and responsibility directly to appoint (subject, if applicable, to shareholder ratification), retain, compensate, evaluate and
  terminate the Corporation&#146;s independent auditor and to oversee the work of such independent auditor.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The independent auditor shall submit to the Committee annually a formal written statement (the &#147;Auditor&#146;s Statement&#148;) describing: the independent auditor&#146;s internal quality-control procedures; any material issues raised by the most recent internal quality-control review or peer review of the independent auditor, or by any
  inquiry or investigation by governmental or professional authorities, within the preceding five years, respecting one or more independent audits carried out by the independent auditor, and any steps taken to deal with such issues; and (to assess the independent auditor&#146;s independence) all relationships between the
  independent auditor and the Corporation addressing each non-audit service provided to the Corporation and at least the matters set forth in the applicable requirements of the Public Company Accounting Oversight Board regarding the independent auditor&#146;s communications with the Audit Committee concerning
  independence.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The independent auditor shall submit to the Committee annually a formal written statement of the aggregate fees billed for each of the last two fiscal years for professional services rendered by the independent auditor in the following categories (as defined by the rules of the SEC): audit, audit-related, tax and all other
  services.</FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">A-1</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>APPENDIX A&#151;AUDIT COMMITTEE CHARTER</B></FONT></P>
</DIV>
<P align="center"><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><u style="border-bottom: 0.50pt black;">Qualifications of Committee Members</u></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The Committee shall consist of at least three members appointed annually by a majority of the entire Board on the recommendation of the Nominating and Corporate Governance Committee of the Board of Directors, acting in its capacity as the nominating committee.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Members shall be directors who meet the independence and experience requirements of the NYSE and Section 10A(m)(3) of the Securities Exchange Act of 1934, as amended, and the rules of the SEC promulgated thereunder. Under these requirements as currently adopted, the Board must determine:</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:15pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      that each member has no material relationship, either direct or indirect, with the Corporation;</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:15pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      that each member is financially literate, or shall become financially literate within a reasonable period of time after his or her appointment to the Committee; and</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:15pt;">&nbsp;</TD>
    <TD style="width:4pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-size:3.6mm; ">
      &#149;</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      that at least one of the members has accounting or related financial management expertise,</FONT></P>
    </TD>
  </TR>
</TABLE>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">as such requirements are interpreted by the Board of Directors in the exercise of its business judgment. Members may be replaced by the Board.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">No director may serve as a member of the Committee if such director serves on the audit committees of more than two other public companies unless the Board of Directors determines that such simultaneous service would not impair the ability of such director to serve effectively on the Committee, and discloses this
  determination in the Corporation&#146;s annual proxy statement. No member of the Committee may be an affiliated person (as such term is defined in SEC Rule 10A-3, including any exceptions or exemptions permitted thereby) of the Corporation or any subsidiary thereof or may receive any compensation from the
  Corporation other than (i) director&#146;s fees, which may be received in cash, stock options or other in-kind consideration ordinarily available to directors; (ii) a pension or other deferred compensation for prior service that is not contingent on future service; and (iii) any other regular benefits that other directors receive;
  provided, however, that notwithstanding the foregoing, it shall be permissible for Committee members to receive those types of compensation permitted by the rules of the SEC and the NYSE regarding the independence of audit committee members.</FONT></P>
<P align="center" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><u style="border-bottom: 0.50pt black;">Operation of the Committee</u></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Meetings shall be held at least four times yearly, or more frequently if circumstances dictate, and may be called at any time by the Committee chair or by any two members of the Committee upon written or oral notice to a majority of the members of the Committee prior to the meeting. A quorum shall consist of a
  majority of the members and the vote of a majority of the members present at a meeting at which a quorum is present shall be the act of the Committee. Proceedings of the Committee over the signature of a member in attendance shall be recorded in a minute book and reflect the names of those in attendance. The
  chair of the Committee, or acting chair of the meeting, will present a report of Committee activities to the full Board of Directors at its next regularly scheduled meeting. The Secretary of the Board will permanently maintain the minutes of Committee meetings. Meetings may be held jointly with a similar committee of
  First Tennessee Bank National Association (&#147;Bank&#148;) if either the members of the Bank&#146;s committee and the members of this Committee are identical or all of the members of the Bank&#146;s committee would meet the eligibility requirements of the NYSE, Section 10A(m)(3) and the rules of the SEC, including any exceptions
  permitted thereby, and meetings may also be held jointly with the Trust Audit Committee of the Bank under the same conditions. The Committee may, in its discretion, delegate all or a portion of its authority and duties to a subcommittee of the Committee, and may delegate to the chair the authority to grant
  pre-approvals of audit and permitted non-audit services as provided herein, provided that the decisions of such chair to grant pre-approvals shall be presented to the full Committee at its next regularly scheduled meeting.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The Committee shall have unrestricted access to Corporation personnel and documents. The Committee will be given the resources and authority appropriate to discharge its duties and responsibilities, including (i) the authority to retain and compensate special or independent counsel, accountants or other experts or
  consultants to advise the Committee, without seeking approval of the Board or management, and (ii)&nbsp;appropriate funding, as determined by the Committee, for payment of compensation to such counsel, accountants or other experts and consultants. The Committee may request any officer or employee of the
  Corporation or of the Corporation&#146;s outside counsel or independent auditor to attend a meeting of the Committee or to meet with any members of, or consultants to, the Committee. It will be the responsibility of the Committee to maintain free and open means of communication between the directors and </FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">A-2</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>APPENDIX A&#151;AUDIT COMMITTEE CHARTER</B></FONT></P>
</DIV>
<P style="margin:2.1mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">management of the Corporation. The Committee shall meet separately periodically with management, the internal auditor, and the independent auditor in separate executive sessions to discuss any matters that the Committee or any of these persons believes should be discussed privately.</FONT></P>
<P align="center" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><u style="border-bottom: 0.50pt black;">Duties and Responsibilities of the Committee</u></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The Committee is hereby delegated full authority with respect to the following matters and such additional matters as may be provided in the bylaws of the Corporation or as the Board of Directors may from time to time by resolution adopted by a majority of the entire Board specify:</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      1.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      with respect to the independent auditor,</FONT></P>
    </TD>
  </TR>
</TABLE>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      a.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      directly appoint (subject, if applicable, to shareholder ratification), retain, compensate, oversee the work of, evaluate and terminate the independent auditor.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      b.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      adopt a policy for the Corporation regarding preapproval of all audit and non-audit engagement fees and terms and approve, in advance, all such fees and terms in accordance with such policy.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      c.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      ensure that the independent auditor prepares and delivers annually an Auditor&#146;s Statement (it being understood that the independent auditor is responsible for the accuracy and completeness of this Statement) and consider such Auditor&#146;s Statement in assessing the independence of the independent auditor.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      d.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      ensure that the independent auditor timely reports on all critical accounting policies and practices to be used; all alternative treatments of financial information within generally accepted accounting principles that have been discussed with management, ramifications of the use of such alternative disclosures and
      treatments, and the treatment preferred by the independent auditor; and other material written communications between the independent auditor and management, such as any management letter or schedule of unadjusted differences.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      e.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      review and evaluate the qualifications, performance and independence of the lead partner of the independent auditor.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      f.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      discuss with management the timing and process for implementing the rotation of the lead audit partner, the concurring partner, and any other active audit engagement team partner and consider whether there should be a regular rotation of the audit firm itself.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      g.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      instruct the independent auditor that the independent auditor is ultimately accountable to the Committee as representatives of the shareholders.</FONT></P>
    </TD>
  </TR>
</TABLE>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      2.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      with respect to the internal audit department,</FONT></P>
    </TD>
  </TR>
</TABLE>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      a.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      appoint and remove the Corporation&#146;s internal auditor and approve the salary and annual bonus of the internal auditor.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      b.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      advise the internal auditor that he or she is expected to provide the Committee summaries of and, as appropriate, significant reports to management prepared by the internal audit department and management&#146;s responses thereto (including but not limited to reports on the Corporation&#146;s risk governance, risk
      assessment and risk management, the adequacy of policies, and compliance with legal and regulatory requirements).</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      c.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      advise the internal auditor that he or she is expected to provide the Committee with such additional information and reports as may be provided in the internal audit department charter.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      d.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      approve the internal audit department charter, review it annually, and approve such amendments thereto as the Committee may deem necessary or appropriate.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      e.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      approve annually the audit plan, and risk assessment methodology of the internal audit department.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      f.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      review annually the financial budget of the internal audit department.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      g.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      together with the internal auditor, oversee any outsourcing to third parties of internal audit functions.</FONT></P>
    </TD>
  </TR>
</TABLE>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      3.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      with respect to financial reporting principles and policies and internal controls and procedures,</FONT></P>
    </TD>
  </TR>
</TABLE>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      a.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      advise management, the internal auditor and the independent auditor that each is expected to provide to the Committee a timely analysis of significant financial reporting issues and practices.</FONT></P>
    </TD>
  </TR>
</TABLE>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">A-3</FONT></P>
<P style="margin:2.1mm 0 0;"><hr color=#000000 noshade></P>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>APPENDIX A&#151;AUDIT COMMITTEE CHARTER</B></FONT></P>
</DIV>
<TABLE cellspacing=0 cellpadding=0 style="font-size:0.5mm; ">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      b.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      consider any reports or communications (and management&#146;s and/or the internal auditor&#146;s responses thereto) submitted to the Committee by the independent auditor required by or referred to in Auditing Standard No. 1301, or any successor provision. Communication with Audit Committees, issued by the Public
      Company Accounting Oversight Board, as may be modified or supplemented.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      c.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      meet with management, the independent auditor and, if appropriate, the internal auditor (i) to discuss the scope of the annual audit; the audited financial statements and quarterly financial statements; any significant matters arising from any audit, including any audit problems or difficulties and management&#146;s
      response thereto; any significant matters arising from changes to the Corporation&#146;s auditing and accounting principles, policies, controls, procedures and practices proposed or contemplated by the independent auditor, the internal auditor or management; any major issues regarding accounting principles and
      financial statement presentations; any major issues as to the adequacy of the Corporation&#146;s internal controls and any special audit steps adopted in light of material control deficiencies; analyses prepared by management and/or the independent auditor setting forth significant financial reporting issues and
      judgments made in connection with the preparation of the financial statements; the effect, if significant, of regulatory and accounting initiatives, as well as off-balance sheet structures, on the financial statements of the Corporation; (ii) to review the form of opinion the independent auditor proposes to render to the
      Board of Directors and shareholders; and (iii) to discuss the Corporation&#146;s risk assessment and risk management policies and to inquire about significant risks and exposures, if any, and the steps taken to monitor and minimize such risks.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      d.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      obtain from the independent auditor assurance that the audit was conducted in a manner consistent with Section 10A of the Securities Exchange Act of 1934, as amended, which set forth certain procedures to be followed in any audit of financial statements required under that act.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      e.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      review any employee complaints or material reports or inquiries received from regulators or government agencies and management&#146;s responses; in addition to receiving reports from the internal auditor regarding risk and compliance matters as described in Section 2 of this Charter, meet periodically with the
      Corporation&#146;s chief risk officer to discuss any risk and compliance matters that may have a material effect on the Corporation&#146;s financial statements or internal controls; discuss any significant compliance issues raised in reports or inquiries received from regulators or government agencies; review periodic reports
      regarding the effectiveness of the Compliance and Ethics Program; and discuss with the Corporation&#146;s General Counsel pending and threatened claims that may have a material impact on the financial statements.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      f.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      discuss earnings press releases, including the use of &#147;proforma&#148; or &#147;adjusted&#148; non-GAAP information, as well as financial information and earnings guidance provided to analysts and rating agencies; provided, however, that the Committee&#146;s responsibility to discuss earnings releases as well as financial information
      and earnings guidance may be done generally and may be limited to the types of information to be disclosed and the types of presentations to be made.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      g.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      establish hiring policies for employees or former employees of the independent auditor.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      h.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      review and oversee related party transactions.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      i.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      establish procedures for the receipt, retention and treatment of complaints received by the Corporation regarding accounting, internal accounting controls or auditing matters, and for the confidential anonymous submission by the Corporation&#146;s employees of concerns regarding questionable accounting or auditing
      matters.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      j.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      review disclosures made to the Committee by the Corporation&#146;s CEO and CFO during their certification process for the Form 10-K and Form 10-Q about any significant deficiencies in the design or operation of internal controls or material weaknesses therein and any fraud involving management or other
      employees who have a significant role in the Corporation&#146;s internal controls.</FONT></P>
    </TD>
  </TR>
</TABLE>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:0pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      4.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      with respect to reporting and recommendations,</FONT></P>
    </TD>
  </TR>
</TABLE>
<TABLE cellspacing=0 cellpadding=0 style="margin-top:1.8mm; font-size:0.2mm;">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      a.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      prepare any report or other disclosures, including any recommendation of the Committee, required by the rules of the SEC to be included in the Corporation&#146;s annual proxy statement.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      b.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      review this Charter at least annually and recommend any changes to the Board.</FONT></P></TD>
  </TR>
</TABLE>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">A-4</FONT></P>
<P style="margin:2.1mm 0 0;"><hr color=#000000 noshade></P>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>APPENDIX A&#151;AUDIT COMMITTEE CHARTER</B></FONT></P>
</DIV>
<TABLE cellspacing=0 cellpadding=0 style="font-size:0.5mm; ">
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      c.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      report its activities to the full Board of Directors on a regular basis and make such recommendations with respect to the above and other matters as the Committee may deem necessary or appropriate.</FONT></P></TD>
  </TR>
  <TR valign="top">
    <TD colspan="99"><P style="margin-top:0pt; font-size:0;"></P></TD>
  </TR>
  <TR valign="top">
    <TD style="width:12pt;">&nbsp;</TD>
    <TD style="width:11pt;" align="right"><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      d.</FONT></P></TD>
    <TD width="7">&nbsp;</TD>
    <TD><P style="margin:1.8mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      prepare and review with the Board an annual performance evaluation of the Committee, which evaluation must compare the performance of the Committee with the requirements of this Charter. The performance evaluation by the Committee shall be conducted in such manner as the Committee deems
      appropriate. The report to the Board may take the form of an oral report by the chair of the Committee or any other member of the Committee designated by the Committee to make this report.</FONT></P>
    </TD>
  </TR>
</TABLE>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">A-5</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>

<PAGE>

<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>APPENDIX B&#151;SECTIONS OF RESTATED CHARTER PROPOSED TO BE AMENDED</B></FONT></P>
</DIV>
<P align="center"><FONT style="font-family:sans-serif; font-size:4.5mm; "><B><a name=c90447_appendix2>PROVISIONS OF THE</a><br>RESTATED CHARTER OF<br>FIRST HORIZON NATIONAL CORPORATION<br>AFFECTED BY VOTE ITEM NO. 2,<br>WITH PROPOSED CHANGES MARKED</B></FONT></P>
<P align="center" style="margin:4.2mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">* * * * *</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      ARTICLE 5</B></FONT></P></TD>
  </TR>
</TABLE>
<P style="margin:3.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Proposed New Article 5</I></B></FONT></P>
<P style="margin:3.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>5. PURPOSES AND POWERS.</B></FONT></P>
<P style="text-indent:6.7mm; margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The Corporation is organized: to conduct one or more financial services businesses, including any and all related, ancillary, or supportive businesses; to own other companies or enterprises (or interests therein) which conduct financial services businesses, including any and all related, ancillary, or supportive
  businesses; to engage in any lawful act or activity for which corporations may be organized now or hereafter under the Tennessee Business Corporation Act or other statutes or law of Tennessee; and for every other lawful purpose or purposes. Except as provided otherwise in this Restated Charter, the Corporation
  has each and every power enumerated in or permitted now or hereafter by the statutes or law of Tennessee, and all powers ancillary thereto.</FONT></P>
<P style="margin:3.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Current Article 5, which would be replaced</I></B></FONT></P>
<P align="center" style="margin:3.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>5. PURPOSES.</B></FONT></P>
<P style="text-indent:6.7mm; margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The purpose or purposes for which the Corporation is organized are, to the extent permitted by law:</FONT></P>
<P style="text-indent:6.7mm; margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">(a) To subscribe for, purchase, lease or otherwise acquire and to receive, own, hold, sell, exchange, lease, mortgage, pledge, assign or otherwise dispose of, and otherwise deal in and with &#147;securities&#148; (as such term is herein defined) issued or created by, or other property (real or personal) of any person,
  corporation, association, firm, trust, organization or other entity whatsoever, including but not limited to this corporation and any national banking association, state-chartered bank, savings bank and trust company, wherever located or organized and whether public, private or municipal, of this state, or any district,
  territory, subdivision, municipality or department thereof, or any other state or any district, territory, subdivision, municipality or department thereof, or any country, nation or government, or any district, territory, subdivision, municipality or department thereof; to possess and exercise any and all rights, powers and
  privileges of ownership of such securities or other property, including without limitation the right to vote on such securities; and to issue or deliver in payment or exchange, in whole or in part, for any such securities or other property, its own stock, bonds, notes or other obligations, or to make payment for any such
  securities or other property by any other lawful means; and to do any and all acts and things necessary or advisable for the preservation, protection, improvement or enhancement in value of any such securities or other property. The term &#147;securities&#148; as used in this Article 5 shall mean any and all shares, stocks,
  bonds, debentures, notes, mortgages, acceptances, evidences of indebtedness or obligations, certificates of interest or participation in any property or venture, scrip, interim receipts, voting trust certificates, instruments or interests commonly known as securities, and any and all certificates of interest or participation in,
  or of deposit of, any of the foregoing, or receipts for, guaranties of, or warrants or rights to subscribe for or purchase any of the foregoing.</FONT></P>
<P style="text-indent:6.7mm; margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">(b) To promote, finance and assist, financially or otherwise, whether by loan, guaranty, subsidy or otherwise, any person, corporation, partnership, association, firm, trust, organization or other entity in which the Corporation shall have any interest; to guarantee the payment of dividends on any stock or the payment
  of the obligations issued or incurred by any such person, corporation, partnership, association, firm, trust, organization or other entity, to issue its own stock, bonds or other obligations in payment or exchange for any securities or other property acquired (pursuant to a merger, consolidation or otherwise) by any such
  person, corporation, partnership, association, firm, trust, organization or other entity; and to do any and all other acts and things for the enhancement, protection or preservation of any securities which are in any manner, directly or indirectly, owned, held or guaranteed by the Corporation.</FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">B-1</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>APPENDIX B&#151;SECTIONS OF RESTATED CHARTER PROPOSED TO BE AMENDED</B></FONT></P>
</DIV>
<P style="text-indent:6.7mm; margin:2.1mm 0 0;"><FONT style="font-family:sans-serif; font-size:3.6mm; ">(c) To render assistance, service, counsel and advice to, and to act as representative in any capacity (whether managing, operating, financial, purchasing, selling, advertising or otherwise) of any person, corporation, partnership, association, firm, trust, organization or other entity, including without limitation those in
  which the Corporation shall have any interest.</FONT></P>
<P style="text-indent:6.7mm; margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">(d) To acquire by purchase, lease, exchange or otherwise, to own, hold, use, manage, develop, improve and to sell, lease, mortgage, exchange and otherwise deal in, real estate and any interest or right therein and personal property of every class and description, either for is own account or for the account of
  others, to erect, construct, rebuild, repair, manage and control, lease, buy and sell, any and all kinds of and interest in real estate and personal property; and to engage generally in the business of operating and leasing real estate and personal property of every character and description.</FONT></P>
<P style="text-indent:6.7mm; margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">(e) To buy, sell, produce, manufacture and dispose of all kinds of goods, documents, instruments, general intangibles, chattel paper, accounts, contract rights, wares, foods, potables, merchandise, manufactures, commodities, furniture, machinery, tools, supplies and products of any kind, character or description
  whatsoever, and generally to engage in any mercantile, manufacturing or commercial business of any kind or character whatsoever throughout the world, and to do all things incidental to any such business or businesses.</FONT></P>
<P style="text-indent:6.7mm; margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">(f) To enter into any lawful arrangements for sharing profits, union of interest, reciprocal concession or cooperation, with any corporation, association, partnership, syndicate, entity, person or governmental, municipal or public authority, domestic or foreign in the carrying on of any business which the Corporation is
  authorized to carry on or any business or transaction deemed necessary, convenient or incidental to carrying out any of the purposes of the Corporation.</FONT></P>
<P style="text-indent:6.7mm; margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">(g) To issue bonds, debentures, convertible debentures, notes, commercial paper, or other obligations of this Corporation, from time to time for any of the objects or purposes of the Corporation and to secure the same by mortgage, pledge, deed of trust or otherwise.</FONT></P>
<P style="text-indent:6.7mm; margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">(h) To guarantee obligations of any other entity and to secure such guaranties by mortgage, pledge or otherwise by vote of a majority of the entire Board of Directors.</FONT></P>
<P style="text-indent:6.7mm; margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">(i) To indemnify the officers and directors during their term of office or thereafter for actions arising during their term of office, either directly or through the purchase of insurance, for expenditures as parties to suits by or in the right of the Corporation or other than by or in the right of the Corporation to the extent
  permitted by the statutes of Tennessee.</FONT></P>
<P style="text-indent:6.7mm; margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">(j) Without in any way limiting any of the objects or purposes or powers, whether primary or secondary of the Corporation, it is hereby expressly declared and provided that the Corporation shall have power to do all acts or things necessary, incidental or convenient to do, or calculated, directly or indirectly, to
  promote the interest of the Corporation, or enhance the value or render profitable any of its property or rights; and in carrying on its business or businesses, or for the purpose of obtaining or furthering any of its objects, to do any and all things and exercise any and all powers, rights and privileges which a corporation
  for profit may now or hereafter be permitted to do or to exercise under the laws of the State of Tennessee; and to do any and all of the acts and things herein set forth to the same extent as natural persons could do, and in any part of the world, as principal, factor, agent, contractor, trustee or otherwise, either alone
  or in syndicates, or otherwise in conjunction with any person, entity, syndicate, partnership, association or corporation, governmental or public bodies or authorities of any kind, domestic or foreign; to establish and maintain offices and agencies and to exercise all or any of its corporate powers and rights throughout the
  world.</FONT></P>
<P style="text-indent:6.7mm; margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">(k) To engage, in addition to the foregoing, in any lawful act or activity for which corporations may be organized under the Tennessee General Corporation Act.</FONT></P>
<P style="text-indent:6.7mm; margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">(l) It is the intention that the objects, purposes and powers specified in the fifth paragraph hereof shall, except where otherwise specified in said paragraph, be no-wise limited or restricted by reference to or inference from the terms of any other clause or paragraph in this Charter, but that the objects, purposes and
  powers specified in the fifth paragraph and in each of the clauses or paragraphs of this Charter shall be regarded as independent objects, purposes and powers.</FONT></P>
<P style="text-indent:6.7mm; margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The foregoing clauses shall be construed both as purposes and powers, and it is hereby expressly provided that the foregoing enumeration of specific powers shall not be held to limit or restrict in any manner the powers of this Corporation.</FONT></P>
<P align="center" style="margin:4.2mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">* * * * *</FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">B-2</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>APPENDIX B&#151;SECTIONS OF RESTATED CHARTER PROPOSED TO BE AMENDED</B></FONT></P>
</DIV>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      ARTICLES 7 &amp; 8</B></FONT></P></TD>
  </TR>
</TABLE>
<P style="margin:3.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Proposed reservation of Articles 7 and 8, after deletion</I></B></FONT></P>
<P style="margin:3.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>7. [reserved]</B></FONT></P>
<P style="margin:3.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>8. [reserved]</B></FONT></P>
<P style="margin:3.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Current Articles 7 and 8, proposed to be deleted as no longer necessary</I></B></FONT></P>
<P align="center" style="margin:3.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>7. COMMENCEMENT OF BUSINESS.</B></FONT></P>
<P style="text-indent:6.7mm; margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The Corporation will not commence business until consideration of One Thousand Dollars ($1,000.00) has been received for the issuance of shares.</FONT></P>
<P align="center" style="margin:3.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>8. PREEMPTIVE RIGHTS.</B></FONT></P>
<P style="text-indent:6.7mm; margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">No shareholder of the Corporation shall because of his ownership of stock have a preemptive or other right to purchase, subscribe for or take any part of any stock or any part of the notes, debentures, bonds or other securities convertible into or carrying options or warrants to purchase stock of the Corporation
  issued, optioned or sold by it after its incorporation. Any part of the capital stock and any part of the notes, debentures, bonds or other securities convertible into or carrying options or warrants to purchase stock of the Corporation authorized by this Restated Charter or by any amendment duly filed, may at any time be
  issued, optioned for sale and sold or disposed of by the Corporation pursuant to a resolution of its Board of Directors to such persons and upon such terms as may to such Board seem proper without first offering such stock or securities or any part thereof to existing shareholders.</FONT></P>
<P align="center" style="margin:4.2mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">* * * * *</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      ARTICLE 10, FIRST PARAGRAPH</B></FONT></P></TD>
  </TR>
</TABLE>
<P style="margin:3.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Proposed changes to the first paragraph of Article 10</I></B></FONT></P>
<P align="center" style="margin:3.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>10. SERIAL PREFERRED STOCK.</B></FONT></P>
<P style="text-indent:6.7mm; margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The shares of any preferred class may be divided into and issued in series. If the shares of any such class are to be issued in series, then each series shall be so designated to distinguish the series thereof from all the shares of all other series and classes. All shares of the same series shall be identical. Any or
  all of the series of any class may vary in the relative rights and preferences as between the different series to the extent permitted by the statutes of Tennessee. The Board of Directors shall have the authority to divide any or all such classes into series and, within the limitation of the statutes <u style="border-bottom: 0.50pt black;">and law</u> of <strike>the
  State of</strike> Tennessee<u style="border-bottom: 0.50pt black;">,</u> <strike>and</strike> particularly <u style="border-bottom: 0.50pt black;">Section 48-16-102 of the Tennessee Business Corporation Act or any successor provision thereto</u> <strike>Sections 48-502 and 48-503</strike>, fix and determine the relative rights and preferences of the shares of any series so established.</FONT></P>
<P align="center" style="margin:4.2mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">* * * * *</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      ARTICLE 11</B></FONT></P></TD>
  </TR>
</TABLE>
<P style="margin:3.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Proposed New Article 11</I></B></FONT></P>
<P align="center" style="margin:3.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>11. MANAGEMENT BY BOARD OF DIRECTORS.</B></FONT></P>
<P style="text-indent:6.7mm; margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">(a) All corporate powers shall be exercised by, and the business and affairs of the Corporation shall be managed under the direction of, the Board of Directors. The Board of Directors may exercise all powers conferred or permitted by the statutes or law of Tennessee.</FONT></P>
<P style="text-indent:6.7mm; margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">(b) Without in any way limiting any of the objects or purposes or powers of the Board of Directors, whether primary or secondary, it is hereby expressly declared and provided that the Board of Directors shall have the power to remove any director for cause, within the meaning of applicable statutes or law of
  Tennessee, by a vote of a majority of the entire Board of Directors.</FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">B-3</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>APPENDIX B&#151;SECTIONS OF RESTATED CHARTER PROPOSED TO BE AMENDED</B></FONT></P>
</DIV>
<P style="margin:1.4mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Current Article 11, which would be replaced</I></B></FONT></P>
<P align="center" style="margin:3.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>11. ADDITIONAL POWERS.</B></FONT></P>
<P style="text-indent:6.7mm; margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">(a) The Corporation shall have the right to purchase, take, receive or otherwise acquire, hold, own, pledge, transfer or otherwise dispose of its own shares; but purchases of its own shares, whether direct or indirect, shall be made only to the extent of unreserved and unrestricted earned or capital surplus available
  therefor.</FONT></P>
<P style="text-indent:6.7mm; margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">(b) Other provisions: Management. The Corporation shall be managed by the Board of Directors, which shall exercise all powers conferred under the laws of the State of Tennessee including without limitation the power:</FONT></P>
<P style="text-indent:13.4mm; margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">(1) To hold meetings, to have one or more offices, and to keep the books of the corporation, except as otherwise expressly provided by law, at such places, whether within or without the State of Tennessee, as may from time to time be designated by the Board.</FONT></P>
<P style="text-indent:13.4mm; margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">(2) To make, alter and repeal bylaws of the corporation, subject to the reserved power of the shareholders to make, alter and repeal bylaws.</FONT></P>
<P style="text-indent:13.4mm; margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">(3) To approve the issuance or sale of any of its authorized but unissued shares of any class, bonds or other securities and rights or options entitling the holders thereof to purchase from the corporation shares of any class or classes, to approve the purchase or other acquisition of or the reissuance, sale or
  other disposition of treasury shares; to fix the consideration to be received for such shares of any class, bonds or other securities, rights or options and to cause to be issued any such shares of any class, bonds or other securities, rights or options.</FONT></P>
<P style="text-indent:13.4mm; margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">(4) To use or apply any funds of the corporation lawfully available therefor for the purchase or acquisition of shares of the capital stock or bonds or other securities of the corporation, in the market or otherwise, at such price as may be fixed by the Board, and to such extent and in such manner and for such
  purposes and upon such terms as the Board may deem expedient and as may be permitted by law, and to sell, exchange, transfer, reissue or cancel such shares of the capital stock of the corporation upon such terms and for such consideration as it may deem proper.</FONT></P>
<P style="text-indent:13.4mm; margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">(5) To determine whether and to what extent and at what times and places and under what conditions and regulations the accounts and books of the corporation, or any of them, shall be open to the inspection of the shareholders, and no shareholder shall have any right to inspect any account, record, book
  or document of the corporation, except as conferred by the laws of the State of Tennessee or as authorized by the Board.</FONT></P>
<P style="text-indent:13.4mm; margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">(6) To remove any director for cause as defined by the laws of the State of Tennessee by a vote of a majority of the entire Board of Directors.</FONT></P>
<P style="text-indent:13.4mm; margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">(7) To fill any newly created directorships resulting from an increase in the number of directors and any vacancies occurring in the Board for any reason, (including removal of directors without cause by the shareholders or for cause by the Board of Directors or the shareholders.)</FONT></P>
<P style="text-indent:13.4mm; margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">(8) To designate an Executive Committee consisting of two or more directors and such other committees consisting of two or more persons, who may or may not be directors, and to delegate to such Executive Committee and other committees all such authority of the Board that it deems desirable within the
  limits prescribed by the statutes of the State of Tennessee.</FONT></P>
<P style="text-indent:13.4mm; margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">(9) To designate the officer or officers of the corporation who shall vote the shares of capital stock held by the corporation in other corporations and to authorize the execution of any proxy that may be necessary in connection therewith.</FONT></P>
<P style="text-indent:13.4mm; margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">(10) To take any action required or permitted of the Board without a meeting on written consent, setting forth the action so taken, sighed by all directors entitled to vote thereon.</FONT></P>
<P align="center" style="margin:4.2mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">* * * * *</FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">B-4</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>APPENDIX B&#151;SECTIONS OF RESTATED CHARTER PROPOSED TO BE AMENDED</B></FONT></P>
</DIV>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      ARTICLE 14</B></FONT></P></TD>
  </TR>
</TABLE>
<P style="margin:3.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B><I>Proposed change to Article 14</I></B></FONT></P>
<P align="center" style="margin:3.5mm 0 0; "><FONT style="font-family:sans-serif; font-size:4.5mm; "><B>14. DIRECTOR LIABILITY.</B></FONT></P>
<P style="text-indent:6.7mm; margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">No director shall be personally liable to the Corporation or its shareholders for monetary damages for breach of fiduciary duty as director, except for liability (i) for any breach of the director&#146;s duty of loyalty to the Corporation or its shareholders, (ii) for acts or omissions not in good faith or which involve intentional
  misconduct or a knowing violation of law, or (iii) under Section <u style="border-bottom: 0.50pt black;">48-18-302</u> <strike>48-18-304</strike>, or any successor provision thereto, of the Tennessee Business Corporation Act.</FONT></P>
<P align="center" style="margin:4.2mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">* * * * *</FONT></P>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">B-5</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>

<PAGE>

<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>APPENDIX C&#151;RECONCILIATION OF NON-GAAP TO GAAP FINANCIAL INFORMATION</B></FONT></P>
</DIV>
<P align="center"><FONT style="font-family:sans-serif; font-size:4.5mm; "><B><a name=c90447_appendix3>RECONCILIATION OF NON-GAAP TO GAAP<br>FINANCIAL INFORMATION</a></B></FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Portions of this Proxy Statement show financial measures that are not presented according to generally accepted accounting principles (GAAP). Non-GAAP financial measures are noted in this Proxy Statement when used. A reconciliation of those non-GAAP measures to comparable GAAP measures is provided in this
  appendix.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Although non-GAAP measures have no standard definition, our management believes the measures presented in this Proxy Statement are useful for understanding our financial results. Non-GAAP measures are reported to our management and Board of Directors through various internal reports.</FONT></P>
<P style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">The non-GAAP financial measures used in this Proxy Statement are: adjusted earnings per share (EPS), adjusted return on assets (ROA), adjusted return on equity (ROE), return on tangible common equity (ROTCE), adjusted ROTCE, and adjusted efficiency ratio, all for the fiscal year 2017. All adjusted measures
  exclude from GAAP measures certain &#147;notable items&#148; which are listed in the table below. The amount of each notable item is listed to show relative size. Except for the tax-related adjustments, amounts shown are pretax, and do not flow directly into adjustment calculations. While the selection of which items identified
  as &#147;notable&#148; is inherently subjective, we believe that the exclusion of these positive and negative notable items from our reported GAAP operating results for 2017 presents a more useful baseline for comparisons to other years. Certain calculated amounts do not add, subtract, or divide precisely as shown due to
  rounding.</FONT></P>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      2017 NOTABLE ITEMS</B></FONT></P></TD>
  </TR>
</TABLE>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="bottom">
    <TD style="width:61.92%;" align="right"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:9.14%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:23.68%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.8mm; "><B>
      Item</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.8mm; "><B>
      Amount*</B></FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="10" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Mortgage repurchase reserve release (positive)</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
        <font style="word-spacing: 0.50pc;">&nbsp;</font>20.0</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Acquisition expense</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      61.3</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Legal (litigation) expense</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      40.3</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Tax adjustments unrelated to Tax Reform (positive)</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      43.9</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Adjustments related to Tax Reform (negative)</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      82.0</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Special employee bonus expense</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      9.9</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="10" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="8"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      * $ in&nbsp;millions</FONT></P></TD>
  </TR>
</TABLE>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      2017 ADJUSTED EPS</B></FONT></P></TD>
  </TR>
</TABLE>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="bottom">
    <TD style="width:61.92%;" align="right"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:9.14%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:23.68%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.8mm; "><B>
      Item</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.8mm; "><B>
      Amount*</B></FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="10" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Net Income available to common shareholders (NIAC) (GAAP)</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       159</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Average Common Diluted Shares (GAAP)</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      244</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
    <TD colspan="6" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right" style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>EPS</B> (NIAC/Avg Shares) (GAAP)</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      $</B></FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
       0.65</B></FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      per share</FONT></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
    <TD colspan="6" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">NIAC (GAAP)</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       159</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Exclude notable items from NIAC</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      + 112</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
    <TD colspan="6" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Adjusted NIAC (non-GAAP)</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      271</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Average Common Diluted Shares (GAAP)</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      244</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
    <TD colspan="6" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right" style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Adjusted EPS</B> (Adj NIAC/Avg Shares) (non-GAAP)</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      $</B></FONT></P></TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
        1.11</B></FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3">&nbsp;</TD>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      per share</FONT></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="10" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="8"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      * $ &amp; shrs in millions, except EPS</FONT></P></TD>
  </TR>
</TABLE>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">C-1</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>APPENDIX C&#151;RECONCILIATION OF NON-GAAP TO GAAP FINANCIAL INFORMATION</B></FONT></P>
</DIV>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      2017 ADJUSTED ROA</B></FONT></P></TD>
  </TR>
</TABLE>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="bottom">
    <TD style="width:61.92%;" align="right"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:9.14%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:23.68%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.8mm; "><B>
      Item</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.8mm; "><B>
      Amount*</B></FONT></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD align="center"><P><font style="font-size:0.2mm">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="10" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Net Income available to common shareholders (NIAC) (GAAP)</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       159</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Average Assets (GAAP)</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      29,925</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
    <TD colspan="6" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right" style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>ROA</B> (NIAC/Avg Assets) (GAAP)</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      0.59%</B></FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
    <TD colspan="6" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">NIAC (GAAP)</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       159</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Exclude notable items from NIAC</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      + 112</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
    <TD colspan="6" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Adjusted NIAC (non-GAAP)</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      271</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Average Assets (GAAP)</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      29,925</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
    <TD colspan="6" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right" style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Adjusted ROA</B> (Adj NIAC/Avg Assets) (non-GAAP)</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      0.96%</B></FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="10" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="8"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      * $ in millions</FONT></P></TD>
  </TR>
</TABLE>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      2017 ADJUSTED ROE</B></FONT></P></TD>
  </TR>
</TABLE>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="bottom">
    <TD style="width:61.92%;" align="right"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:9.14%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:23.68%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.8mm; "><B>
      Item</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.8mm; "><B>
      Amount*</B></FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="10" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Net Income available to common shareholders (NIAC) (GAAP)</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       159</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Average Common Equity (CE) (GAAP)</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      2,579</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
    <TD colspan="6" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right" style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>ROE</B> (NIAC/CE) (GAAP)</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      6.2%</B></FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
    <TD colspan="6" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">NIAC (GAAP)</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       159</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Exclude notable items from NIAC</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      + 112</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
    <TD colspan="6" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Adjusted NIAC (non-GAAP)</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      271</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
    <TD colspan="6" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">CE (GAAP)</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      2,579</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Exclude impact on CE of notable items</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#150; 49</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
    <TD colspan="6" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Adjusted CE (non-GAAP)</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      2,530</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
    <TD colspan="6" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right" style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Adjusted ROE</B> (Adj NIAC/Adj CE) (non-GAAP)</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      10.7%</B></FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="10" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="8"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      * $ in millions</FONT></P></TD>
  </TR>
</TABLE>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      2017 ROTCE and ADJUSTED ROTCE</B></FONT></P></TD>
  </TR>
</TABLE>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="bottom">
    <TD style="width:61.92%;" align="right"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:9.14%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:23.68%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.8mm; "><B>
      Item</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.8mm; "><B>
      Amount*</B></FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="10" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Net Income available to common shareholders (NIAC) (GAAP)</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       159</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Average Common Equity (CE) (GAAP)</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      2,579</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
    <TD colspan="6" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right" style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>ROE</B> (NIAC/CE) (GAAP)</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      6.2%</B></FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
    <TD colspan="6" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">CE (GAAP)</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      2,579</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Exclude Average Intangible Assets (GAAP)</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#150; 376</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
    <TD colspan="6" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Average Tangible Common Equity (TCE) (non-GAAP)</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      2,203</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
    <TD colspan="6" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right" style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>ROTCE</B> (NIAC/TCE) (non-GAAP)</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      7.2%</B></FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
    <TD colspan="6" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">NIAC (GAAP)</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       159</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Exclude notable items from NIAC</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      + 112</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
    <TD colspan="6" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Adjusted NIAC (non-GAAP)</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      271</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
    <TD colspan="6" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">TCE (non-GAAP)</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      2,203</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Exclude impact on TCE of notable items</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#150; 49</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
    <TD colspan="6" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Adjusted TCE (non-GAAP)</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      2,154</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
    <TD colspan="6" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right" style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Adjusted ROTCE</B> (Adj NIAC/Adj TCE) (non-GAAP)</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      12.6%</B></FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="10" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="8"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      * $ in millions</FONT></P></TD>
  </TR>
</TABLE>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">C-2</FONT></P>
<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>
<DIV style="margin-top:6pt; margin-bottom:6pt; background-color:#808080; width:82%; min-height:23.04pt; margin-left:10%; margin-right:8%;">
<P style="font-size:0;">&nbsp;</P>
<P align="center" style="margin:3.15mm 0 0; "><FONT style="font-family:sans-serif; font-size:2.4mm; color:White; "><B>APPENDIX C&#151;RECONCILIATION OF NON-GAAP TO GAAP FINANCIAL INFORMATION</B></FONT></P>
</DIV>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="top">
    <TD style="width:100.00%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="top">
    <TD align="center" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      2017 ADJUSTED EFFICIENCY RATIO</B></FONT></P></TD>
  </TR>
</TABLE>
<TABLE cellspacing=0 cellpadding=0 style="margin-left:0.00%; margin-right:0.00%; width:100.00%;" >
  <TR valign="bottom">
    <TD style="width:63.23%;" align="right"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:9.14%;" colspan="6"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:2.63%"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
    <TD style="width:22.37%;"><P><font style="font-size:0.6mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.8mm; "><B>
      Item</B></FONT></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="6" align="center"><P><FONT style="font-family:sans-serif; font-size:3.8mm; "><B>
      Amount*</B></FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="10" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Noninterest expense (Expenses) (GAAP)</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      $</FONT></P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
       1,024</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Revenues (gross income after loan loss provision) (GAAP)</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      1,333</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
    <TD colspan="6" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right" style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Efficiency ratio</B> (Expenses/Revenues) (GAAP)</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      77%</B></FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
    <TD colspan="6" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Expenses (GAAP)</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      1,024</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Exclude notable items</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      &#150; 112</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
    <TD colspan="6" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Adjusted Expenses (non-GAAP)</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      912</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">Revenues (GAAP)</FONT></P></TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
    <TD colspan="2">&nbsp;</TD>
    <TD align="right"><P><FONT style="font-family:sans-serif; font-size:3.6mm; ">
      1,333</FONT></P></TD>
    <TD colspan="2">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3"><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
    <TD colspan="6" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right" style="background:#d1eaf3; ">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>Adjusted Efficiency ratio</B> (adj Expenses/Revenues) (non-GAAP)</FONT></P></TD>
    <TD width="3"style="background:#d1eaf3;">&nbsp;</TD>
    <TD style="background:#d1eaf3; ">&nbsp;</TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD align="right" style="background:#d1eaf3; "><P><FONT style="font-family:sans-serif; font-size:3.6mm; "><B>
      69%</B></FONT></P></TD>
    <TD colspan="2" style="background:#d1eaf3; ">&nbsp;</TD>
    <TD width="3"><p style="font-size:0.2mm">&nbsp;</P></TD>
    <TD><P><font style="font-size:0.2mm">&nbsp;</font></P></td>
  </TR>
  <TR valign="bottom" style="font-size:0.2mm">
    <TD colspan="10" align="center" style="border-top:solid .27mm Black; "><P><font style="font-size:0.2mm;">&nbsp;</font></P></TD>
  </TR>
  <TR valign="bottom">
    <TD align="right">
    <P style="text-indent:-3.3mm; margin:0 0 0 3.3mm; "><font style="font-size:0.2mm">&nbsp;</font></P></TD>
    <TD width="3">&nbsp;</TD>
    <TD colspan="8"><P><FONT style="font-family:sans-serif; font-size:3.1mm; ">
      * $ in millions</FONT></P></TD>
  </TR>
</TABLE>
<P align="right" style="margin:2.1mm 0 0; "><FONT style="font-family:sans-serif; font-size:3.6mm; ">C-3</FONT></P>

<p><hr color=#000000 noshade></p>
<p style="page-break-before: always; margin-bottom: -12pt">&nbsp;</p>
<PAGE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><IMG SRC="x3_c90447x1x1.jpg" ALT=""></P>

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

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

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

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>April 24, 2018</B><BR>
<B>10:00 a.m. Central time</B></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>First Tennessee First Ops Building</B><BR>
<B>3451 Prescott Road</B><BR>
<B>Memphis, TN 38118</B></P>

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: top; font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="width: 77%; border-top: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 5pt"><B>PROXY SOLICITED ON BEHALF OF THE BOARD OF DIRECTORS AND</B><BR>
    <B>VOTING INSTRUCTION CARD FOR</B></TD>
    <TD STYLE="width: 3%; border-top: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 5pt">&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="width: 20%; border-top: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right; padding-top: 5pt"><IMG SRC="x3_c90447x1x2.jpg" ALT=""></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>FIRST HORIZON NATIONAL CORPORATION SAVINGS PLAN (&ldquo;Plan&rdquo;)</B></TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
</TABLE>

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


<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><B>Shareholders of Record:</B> The undersigned
appoints George P. Lewis and Ben C. Adams, Jr., or any one or both of them with full power of substitution, as proxy or proxies,
to represent and vote all shares of stock standing in my name on the books of the corporation at the close of business on February
23, 2018, which I would be entitled to vote if personally present at the annual meeting of shareholders of First Horizon National
Corporation, to be held in the First Tennessee First Ops Building, 3451 Prescott Road, Memphis, Tennessee 38118, at 10 a.m. Central
time, or any adjournments thereof, upon the matters set forth in the notice of said meeting as stated on the reverse side. The
proxies are further authorized to vote in their discretion as to any other matters which may properly come before the meeting.
The board of directors, at the time of preparation of the proxy statement, knows of no business to come before the meeting other
than that referred to in the proxy statement.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><B>Plan Shareholders:</B> Under the terms
of the Plan, each participant having funds allocated to the FHNC Stock Fund is entitled to instruct State Street Bank and Trust
Company, plan trustee (&ldquo;Plan Trustee&rdquo;), as to the manner in which to vote the shares of First Horizon common stock held in the
FHNC Stock Fund represented by the participant&rsquo;s interest therein as of February 23, 2018 (the record date for the annual meeting
of shareholders). The purpose of this instruction card is for the participant to give instructions to the Plan Trustee as to how
to vote such shares in connection with the annual meeting of shareholders of First Horizon National Corporation to be held in
the First Tennessee First Ops Building, 3451 Prescott Road, Memphis, Tennessee 38118, on April 24, 2018, at 10 a.m. Central time,
or any adjournments thereof, upon the matters set forth in the notice of said meeting as stated on the reverse side and also on
any other matters that may properly come before the meeting. The undersigned hereby directs the Plan Trustee to vote the shares
of FHNC common stock in the FHNC Stock Fund represented by the undersigned&rsquo;s interest therein as specified on the reverse side.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><B>THE SHARES COVERED BY THIS PROXY/VOTING
INSTRUCTION CARD WILL BE VOTED IN ACCORDANCE WITH THE AUTOMATED TELEPHONE VOTING INSTRUCTIONS, THE INTERNET VOTING INSTRUCTIONS,
OR THE INSTRUCTIONS GIVEN ON THE REVERSE SIDE. WHEN NO INSTRUCTIONS ARE GIVEN, SHARES HELD OF RECORD THAT ARE COVERED BY THIS
CARD WILL BE VOTED, IN ACCORDANCE WITH THE RECOMMENDATIONS OF THE BOARD OF DIRECTORS, <U>FOR</U> VOTE ITEMS 1, 2, 3 AND 4, AND
SHARES HELD IN THE PLAN THAT ARE COVERED BY THIS CARD WILL BY VOTED BY THE PLAN TRUSTEE IN THE SAME PROPORTION AS ALL OTHER PLAN
SHARES AS TO WHICH INSTRUCTIONS ARE RECEIVED BY THE PLAN TRUSTEE. ALL THE VOTE ITEMS ARE DESCRIBED IN THE ACCOMPANYING NOTICE
OF ANNUAL MEETING AND PROXY STATEMENT AND ON THE REVERSE SIDE OF THIS CARD.</B></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><B>YOU CAN VOTE BY TELEPHONE, OVER THE INTERNET, OR BY SIGNING AND RETURNING THIS CARD AS DIRECTED ON
THE REVERSE SIDE.</B></P>

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

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

<P STYLE="font: 13pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Vote by Internet, Telephone or Mail</B></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">There are three ways to vote. Internet or telephone voting is available 24 hours a day, 7 days a week.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">Your phone or Internet vote authorizes the named proxies and/or the Plan Trustee to vote<BR>
your shares in the same manner as if you had marked, signed and returned this card.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">You will need the last four digits of your Social Security or Tax ID number to vote your shares on the Internet or by phone.</P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD ROWSPAN="2" STYLE="width: 30%; text-align: center; font: 10pt Arial, Helvetica, Sans-Serif"><IMG SRC="x3_c90447x1x3.jpg" ALT=""></TD>
    <TD ROWSPAN="2" STYLE="width: 37%; text-align: center; font: 10pt Arial, Helvetica, Sans-Serif"><IMG SRC="x3_c90447x1x4.jpg" ALT=""></TD>
    <TD STYLE="width: 33%; text-align: center; font: 10pt Arial, Helvetica, Sans-Serif"><IMG SRC="x3_c90447x1x5.jpg" ALT=""></TD></TR>
<TR STYLE="vertical-align: bottom; font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="text-align: center; font: 10pt Arial, Helvetica, Sans-Serif"><B>MAIL</B></TD></TR>
<TR STYLE="vertical-align: bottom; font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="text-align: center; font: 10pt Arial, Helvetica, Sans-Serif"><B>INTERNET</B></TD>
    <TD STYLE="text-align: center; font: 10pt Arial, Helvetica, Sans-Serif"><B>TELEPHONE</B></TD>
    <TD ROWSPAN="3" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; vertical-align: top; padding-top: 3pt">Mark, sign and date this card and return<BR>
    it in the postage-paid envelope provided<BR>
    or mail to Shareowner Services, P.O. Box<BR>
    64873, St. Paul, MN 55164-0873.</TD></TR>
<TR STYLE="vertical-align: bottom; font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="text-align: center; vertical-align: top; font: 10pt Arial, Helvetica, Sans-Serif">www.proxypush.com/fhn</TD>
    <TD STYLE="text-align: center; padding-bottom: 5pt; font: 10pt Arial, Helvetica, Sans-Serif"><B>1-866-883-3382</B></TD></TR>
<TR STYLE="vertical-align: bottom; font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center">Use the Internet to vote your shares<BR>
    until 11:59 p.m. (CT) on April 19, 2018<BR>
    (for Plan shares) or April 23, 2018<BR>
    (for all other shares).</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center">Use any touch-tone telephone to<BR>
    vote your shares until 11:59 p.m. (CT) on<BR>
    April 19, 2018 (for Plan shares) or<BR>
    April 23, 2018 (for all other shares).</TD></TR>
</TABLE>


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

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>If you vote by Internet or by telephone, you do NOT need to mail back this card.</B></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top; font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="width: 4%; border-top: Black 1px solid; border-left: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD ROWSPAN="3" STYLE="width: 14%; font: 10pt Arial, Helvetica, Sans-Serif"><IMG SRC="x3_c90447x2x1.jpg" ALT=""></TD>
    <TD STYLE="width: 53%; font: 8.48pt Arial, Helvetica, Sans-Serif">Shareowner Services</TD>
    <TD STYLE="width: 25%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 4%; border-top: Black 1px solid; border-right: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-left: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8.48pt Arial, Helvetica, Sans-Serif">P.O. Box 64945</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="border-right: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8.48pt Arial, Helvetica, Sans-Serif">St. Paul, MN 55164-0945</TD>
    <TD STYLE="border-top: Black 1px solid; border-right: Black 1px solid; border-left: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Address Change? Mark box, sign, and indicate changes below: <FONT STYLE="font-family: Wingdings">o</FONT></TD>
    <TD STYLE="border-right: Black 1px solid; border-left: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; border-left: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1px solid">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 3pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; font: 8pt Arial, Helvetica, Sans-Serif">TO VOTE BY INTERNET OR<BR>
    TELEPHONE, SEE REVERSE SIDE<BR>
    OF THIS CARD.</TD>
    <TD STYLE="padding-top: 3pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
</TABLE>




<P STYLE="font: 100pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><B><I>The Board of Directors unanimously recommends a vote FOR Items 1, 2, 3 and 4.</I></B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top; font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="width: 4%; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 4%; font: 8pt Arial, Helvetica, Sans-Serif"><B>1.</B></td>
    <TD STYLE="width: 92%; font: 8pt Arial, Helvetica, Sans-Serif">Election of twelve directors to serve until the 2019 Annual Meeting of Shareholders:</td></tr>
</table>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 92%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom; font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="width: 4%; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 3%; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</td>
    <TD STYLE="width: 17%; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</td>
    <TD STYLE="width: 5%; text-align: center; font: 8pt Arial, Helvetica, Sans-Serif"><B>FOR</B></td>
    <TD STYLE="width: 9%; text-align: center; font: 8pt Arial, Helvetica, Sans-Serif"><B>AGAINST</B></td>
    <TD STYLE="width: 14%; text-align: center; padding-right: 20pt; font: 8pt Arial, Helvetica, Sans-Serif"><B>ABSTAIN</B></td>
    <TD STYLE="width: 3%; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</td>
    <TD STYLE="width: 20%; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</td>
    <TD STYLE="width: 5%; text-align: center; font: 8pt Arial, Helvetica, Sans-Serif"><B>FOR</B></td>
    <TD STYLE="width: 10%; text-align: center; font: 8pt Arial, Helvetica, Sans-Serif"><B>AGAINST</B></td>
    <TD STYLE="width: 10%; text-align: center; font: 8pt Arial, Helvetica, Sans-Serif"><B>ABSTAIN</B></td></tr>
<TR STYLE="vertical-align: bottom; font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-right: 20pt; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">01</td>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">John C. Compton</td>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <TD STYLE="text-align: center; padding-right: 20pt; font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">07</td>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Vicki R. Palmer</td>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></td></tr>
<TR STYLE="vertical-align: bottom; font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-right: 20pt; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">02</td>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Mark A. Emkes</td>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <TD STYLE="text-align: center; padding-right: 20pt; font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">08</td>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Colin V. Reed</td>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></td></tr>
<TR STYLE="vertical-align: bottom; font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-right: 20pt; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD COLSPAN="10" STYLE="text-align: center; vertical-align: middle; font: 9pt Arial, Helvetica, Sans-Serif"><IMG SRC="x3_c90447x2x2.jpg" ALT="">&nbsp;&nbsp;&nbsp;&nbsp;<I>Please fold here &ndash; Do not separate</I>&nbsp;&nbsp;&nbsp;&nbsp;<IMG SRC="x3_c90447x2x2.jpg" ALT=""></td></tr>
<TR STYLE="vertical-align: bottom; font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD COLSPAN="10" STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">03</td>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Peter N. Foss</td>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <TD STYLE="text-align: center; padding-right: 20pt; font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">09</td>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Cecelia D. Stewart</td>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></td></tr>
<TR STYLE="vertical-align: bottom; font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-right: 20pt; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">04</td>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Corydon J. Gilchrist</td>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <TD STYLE="text-align: center; padding-right: 20pt; font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">10</td>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Rajesh Subramaniam</td>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></td></tr>
<TR STYLE="vertical-align: bottom; font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-right: 20pt; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">05</td>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">D. Bryan Jordan</td>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <TD STYLE="text-align: center; padding-right: 20pt; font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">11</td>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">R. Eugene Taylor</td>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></td></tr>
<TR STYLE="vertical-align: bottom; font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-right: 20pt; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">06</td>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Scott M. Niswonger</td>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <TD STYLE="text-align: center; padding-right: 20pt; font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">12</td>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Luke Yancy III</td>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></td></tr>
</table>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 92%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
<TR STYLE="vertical-align: bottom; font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="width: 4%; text-align: left; font: 8pt Arial, Helvetica, Sans-Serif"><B>2.</B></td>
    <TD STYLE="width: 65%; font: 8pt Arial, Helvetica, Sans-Serif">Approval of technical amendments to modernize First Horizon&rsquo;s
Restated Charter</td>
    <TD STYLE="width: 3%; text-align: left; vertical-align: top; font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></TD>
    <TD STYLE="width: 6%; font: 8pt Arial, Helvetica, Sans-Serif">For</td>
    <TD STYLE="width: 3%; font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></TD>
    <TD STYLE="width: 8%; font: 8pt Arial, Helvetica, Sans-Serif">Against</td>
    <TD STYLE="width: 3%; font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></TD>
    <TD STYLE="width: 8%; font: 8pt Arial, Helvetica, Sans-Serif">Abstain</td></tr>
<TR STYLE="vertical-align: bottom; font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="text-align: left; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="text-align: left; font: 8pt Arial, Helvetica, Sans-Serif"><B>3</B>.</td>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Approval of an advisory resolution to approve executive compensation</td>
    <TD STYLE="text-align: left; vertical-align: top; font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">For</td>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Against</td>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Abstain</td></tr>
<TR STYLE="vertical-align: bottom; font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="text-align: left; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="text-align: left; font: 8pt Arial, Helvetica, Sans-Serif"><B>4.</B></TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Ratification of appointment of KPMG LLP as auditors</TD>
    <TD STYLE="text-align: left; vertical-align: top; font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">For</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Against</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Abstain</TD></TR>
</table>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; padding-right: 4%; padding-left: 4%"><B>THE UNDERSIGNED HEREBY ACKNOWLEDGES RECEIPT OF NOTICE OF SAID MEETING AND THE RELATED PROXY
STATEMENT.</B></P>

<P STYLE="font: 70pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; padding-right: 4%; padding-left: 4%">&nbsp;</P>


<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 92%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top; font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="width: 3%; font: 8pt Arial, Helvetica, Sans-Serif">Date&nbsp;</td>
    <TD STYLE="width: 33%; border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</td>
    <TD STYLE="width: 84%; font: 8pt Arial, Helvetica, Sans-Serif">, 2018</td></tr>
</table>
<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top; font: 7pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="width: 4%; padding-bottom: 3pt; font: 7pt Arial, Helvetica, Sans-Serif">&nbsp;</td>
    <TD STYLE="width: 50%; padding-bottom: 3pt; font: 7pt Arial, Helvetica, Sans-Serif">&nbsp;</td>
    <TD STYLE="width: 3%; padding-bottom: 3pt; font: 7pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 39%; padding-bottom: 3pt; font: 7pt Arial, Helvetica, Sans-Serif">Signature(s) in Box</td>
    <TD STYLE="width: 4%; padding-bottom: 3pt; font: 7pt Arial, Helvetica, Sans-Serif">&nbsp;</TD></tr>
<TR STYLE="vertical-align: top; font: 7pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 7pt Arial, Helvetica, Sans-Serif">&nbsp;</td>
    <TD STYLE="border: Black 1px solid; font: 7pt Arial, Helvetica, Sans-Serif">&nbsp;</td>
    <TD STYLE="font: 7pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; vertical-align: top; font: 7pt Arial, Helvetica, Sans-Serif">Shareholders sign here exactly as shown on the imprint on
this card. When signing as Attorney, Executor, Administrator,
Trustee or Guardian, please give full name. If more than one
Trustee, all should sign. All Joint Owners should sign.</td>
    <TD STYLE="font: 7pt Arial, Helvetica, Sans-Serif">&nbsp;</TD></tr>
<TR STYLE="vertical-align: top; font: 15pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 15pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 15pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 15pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 15pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 15pt Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 7pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-left: Black 1px solid; font: 7pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 7pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 7pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 7pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="border-right: Black 1px solid; font: 7pt Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 7pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-bottom: Black 1px solid; border-left: Black 1px solid; font: 7pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 7pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 7pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 7pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 7pt Arial, Helvetica, Sans-Serif; border-right: Black 1px solid">&nbsp;</TD></TR>
</table>

<!-- Field: Page; Sequence: 2 -->
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<DOCUMENT>
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