<SEC-DOCUMENT>0000930413-18-002335.txt : 20180725
<SEC-HEADER>0000930413-18-002335.hdr.sgml : 20180725
<ACCEPTANCE-DATETIME>20180725161529
ACCESSION NUMBER:		0000930413-18-002335
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20180724
ITEM INFORMATION:		Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20180725
DATE AS OF CHANGE:		20180725

FILER:

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

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-15185
		FILM NUMBER:		18968874

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

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

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

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

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


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


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

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

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

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

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Date of report (Date of earliest event reported): July 24, 2018</P>


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


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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>TN</B></FONT></TD>
    <TD STYLE="width: 33%; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>001-15185</B></FONT></TD>
    <TD STYLE="width: 33%; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>62-0803242</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(State or other jurisdiction</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(Commission File Number)</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(IRS Employer Identification No.)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">of incorporation)</FONT></TD>
    <TD STYLE="text-align: center; font-size: 11pt">&nbsp;</TD>
    <TD STYLE="text-align: center; font-size: 11pt">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 67%; font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>165 MADISON AVENUE MEMPHIS, TENNESSEE</B></FONT></TD>
    <TD STYLE="width: 33%; font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>38103</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(Address of principal executive office)</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(Zip Code)</FONT></TD></TR>
</TABLE>
<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

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

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

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


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


<P STYLE="font: 10.5pt Times New Roman, Times, Serif; margin: 0pt 0">Check the appropriate box below if the Form 8-K filing is
intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</P>

<P STYLE="font: 10.5pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 10pt">&nbsp;</TD>
    <TD STYLE="width: 18pt; font: 10.5pt Times New Roman, Times, Serif"><FONT STYLE="font: 10.5pt Wingdings">o</FONT></TD>
    <TD STYLE="font: 10.5pt Times New Roman, Times, Serif"><FONT STYLE="font: 10.5pt Times New Roman, Times, Serif">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10.5pt Times New Roman, Times, Serif"><FONT STYLE="font: 10.5pt Wingdings">o</FONT></TD>
    <TD STYLE="font: 10.5pt Times New Roman, Times, Serif"><FONT STYLE="font: 10.5pt Times New Roman, Times, Serif">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10.5pt Times New Roman, Times, Serif"><FONT STYLE="font: 10.5pt Wingdings">o</FONT></TD>
    <TD STYLE="font: 10.5pt Times New Roman, Times, Serif"><FONT STYLE="font: 10.5pt Times New Roman, Times, Serif">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10.5pt Times New Roman, Times, Serif"><FONT STYLE="font: 10.5pt Wingdings">o</FONT></TD>
    <TD STYLE="font: 10.5pt Times New Roman, Times, Serif"><FONT STYLE="font: 10.5pt Times New Roman, Times, Serif">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10.5pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10.5pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">Indicate by check mark whether the
registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR &sect;230.405) or Rule 12b-2
of the Securities Exchange Act of 1934 (17 CFR &sect;240.12b-2).</P>

<P STYLE="font: 10.5pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10.5pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; background-color: white">Emerging growth
company <FONT STYLE="font: 10.5pt Wingdings">o</FONT></P>

<P STYLE="font: 10.5pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; background-color: white">&nbsp;</P>

<P STYLE="font: 10.5pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">If
an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for
complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. </FONT><FONT STYLE="font: 10.5pt Wingdings">o</FONT></P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 12%; font: 10pt Calibri, Helvetica, Sans-Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>ITEM 5.03.</B></FONT></TD>
    <TD STYLE="width: 88%; font: 10pt Calibri, Helvetica, Sans-Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year</B></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">On July 24, 2018, the Company&rsquo;s Board of Directors approved
the restatement of the Company&rsquo;s Charter. The restatement was filed with the Tennessee Secretary of State on July 25, 2018
and was effective immediately upon filing.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The restatement integrated into a single Charter document various
technical amendments which were approved by the shareholders at the annual meeting on April 24, 2018 and filed with the Tennessee
Secretary of State shortly afterward.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Restated Charter document is filed herewith as Exhibit 3.1.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">On July 24, 2018, the Company&rsquo;s Board of Directors amended
several sections of the Company&rsquo;s Bylaws. The amendments are effective immediately.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The amendments modernized, updated, and clarified the Bylaws
in a number of technical areas. Specifically: the language of section 2.1 was modernized; section 3.5 now allows one-director committees
to be formed, consistent with current Tennessee law and the modernization of the Company&rsquo;s Charter approved by shareholders
at the 2018 annual meeting; section 3.10 was updated and now makes clear that each board committee may revise its meeting calendar;
the old reference in section 3.11 to committee &ldquo;chairperson&rdquo; was changed to &ldquo;chair&rdquo;, and the notice provisions
for special board meetings were updated and simplified; officer committees under section 4.23 may consist of a single officer,
consistent with section 3.5, and the language regarding committees consisting of both officers and directors was updated; an out
of date (2009) reference in section 7.1 was deleted; and section 9.2 now makes clear that, in an emergency, publication by the
Company of certain director meeting notices may be done using a wide range of communication methods.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Bylaws document, as amended and restated, is filed herewith
as Exhibit 3.2.</P>

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

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    <TD STYLE="width: 12%; font: 10pt Calibri, Helvetica, Sans-Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>ITEM 9.01.</B></FONT></TD>
    <TD STYLE="width: 88%; font: 10pt Calibri, Helvetica, Sans-Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>Financial Statements and Exhibits </B></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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

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

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

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

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<TR STYLE="vertical-align: top">
    <TD NOWRAP STYLE="width: 5%; font: 10pt Calibri, Helvetica, Sans-Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><U>Exhibit #&nbsp;</U></FONT></TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 92%; font: 10pt Calibri, Helvetica, Sans-Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><U>Description&nbsp;</U></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">3.1</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Calibri, Helvetica, Sans-Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><A HREF="c91706_ex3-1.htm">Restated Charter of First Horizon National Corporation</A></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">3.2</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Calibri, Helvetica, Sans-Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><A HREF="c91706_ex3-2.htm">Bylaws of First Horizon National Corporation, as amended and restated effective July 24, 2018</A></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">All summaries and descriptions of documents, and of amendments
thereto, set forth above are qualified in their entirety by the documents themselves, whether filed as an exhibit hereto or filed
as an exhibit to a later report.</P>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Pursuant to the requirements of the Securities Exchange Act
of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 10pt">
<TR>
    <TD STYLE="vertical-align: top; width: 54%; padding-left: 10pt; font-family: Times New Roman, Times, Serif; text-indent: -10pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 3%; font-family: Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 43%; font-family: Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 10pt; font-family: Times New Roman, Times, Serif; text-indent: -10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">First Horizon National Corporation</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 10pt; font-family: Times New Roman, Times, Serif; text-indent: -10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><I>(Registrant)</I></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 10pt; font-family: Times New Roman, Times, Serif; text-indent: -10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 54pt; font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Date: July 25, 2018</FONT></TD>
    <TD STYLE="font-family: Calibri, Helvetica, Sans-Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">By:&nbsp;</FONT></TD>
    <TD STYLE="font-family: Calibri, Helvetica, Sans-Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><U>&nbsp;&nbsp;/s/ Clyde  A. Billings, Jr.</U></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 10pt; font-family: Times New Roman, Times, Serif; text-indent: -10pt">&nbsp;</TD>
    <TD STYLE="font-family: Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font-family: Calibri, Helvetica, Sans-Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;&nbsp;Clyde A. Billings, Jr.</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 10pt; font-family: Times New Roman, Times, Serif; text-indent: -10pt">&nbsp;</TD>
    <TD STYLE="font-family: Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font-family: Calibri, Helvetica, Sans-Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><I>&nbsp;&nbsp;Senior Vice President, Assistant General <BR>
&nbsp;&nbsp;Counsel, and Corporate Secretary</I></FONT></TD></TR>
</TABLE>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: right"><B>Exhibit 3.1</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>RESTATED CHARTER</B></P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>FIRST HORIZON NATIONAL CORPORATION</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Pursuant to the provisions of Section 48-20-107
of the Tennessee Business Corporation Act, the undersigned Corporation adopts the following Restated Charter:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 12pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif"><B>1.</B></TD><TD STYLE="font: 12pt Times New Roman, Times, Serif"><B>NAME.</B></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The name of the Corporation shall be:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">FIRST HORIZON NATIONAL CORPORATION.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 12pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif"><B>2.</B></TD><TD STYLE="font: 12pt Times New Roman, Times, Serif"><B>DURATION.</B></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The duration of the Corporation is perpetual.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 12pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif"><B>3.</B></TD><TD STYLE="font: 12pt Times New Roman, Times, Serif"><B>ADDRESS.</B></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The address of the principal office of the
Corporation in the State of Tennessee shall be: 165 Madison Avenue, Memphis, Tennessee 38103.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 12pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif"><B>4.</B></TD><TD STYLE="font: 12pt Times New Roman, Times, Serif"><B>PROFIT.</B></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The Corporation is for profit.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 12pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif"><B>5.</B></TD><TD STYLE="font: 12pt Times New Roman, Times, Serif"><B>PURPOSES AND POWERS.</B></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">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.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 12pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif"><B>6.</B></TD><TD STYLE="font: 12pt Times New Roman, Times, Serif"><B>SHARES.</B></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The maximum number of shares which the Corporation
shall have authority to issue is as follows:</P>


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Four Hundred Million (400,000,000) shares of common
stock of a par value of $0.625 each; and</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Five Million (5,000,000) shares of preferred stock,
having no par value.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 12pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif"><B>7.</B></TD><TD STYLE="font: 12pt Times New Roman, Times, Serif"><B>[reserved]</B></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 12pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif"><B>8.</B></TD><TD STYLE="font: 12pt Times New Roman, Times, Serif"><B>[reserved]</B></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 12pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif"><B>9.</B></TD><TD STYLE="font: 12pt Times New Roman, Times, Serif"><B>COMMON STOCK.</B></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The entire voting power of the Corporation
shall be vested in the common stock; provided, however, that the Board of Directors is authorized by this Charter to issue, from
time to time, serial preferred stock of the Corporation in one or more series each of which constitutes a separate class, and
prior to issuance to fix and determine the distinguishing characteristics and rights, privileges and immunities of each such series.
Such characteristics and rights, privileges and immunities may include, but are not limited to, the voting rights of such serial
preferred stock, and such voting rights of such serial preferred stock may, if so determined by the Board of Directors prior to
the issuance of such serial preferred stock, give to the holders of such serial preferred stock voting rights equal to, greater
than or less than those of the holders of the common stock.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 12pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif"><B>10.</B></TD><TD STYLE="font: 12pt Times New Roman, Times, Serif"><B>SERIAL PREFERRED STOCK.</B></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The shares of any preferred class may be divided
into and issued in series. If the shares of any such class are to be issued in series, then each series shall be so designated
to distinguish the series thereof from all the shares of all other series and classes. All shares of the same series shall be
identical. Any or all of the series of any class may vary in the relative rights and preferences as between the different series
to the extent permitted by the statutes of Tennessee. The Board of Directors shall have the authority to divide any or all such
classes into series and, within the limitation of the statutes and law of Tennessee, particularly Section 48-16-102 of 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.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The Board of Directors is authorized to issue
the preferred stock, without par value, in one or more series, from time to time with such voting powers, full or limited, or
without voting powers, and with such designations, preferences and relative participating, optional or other special rights and
qualifications, limitations and restrictions thereof, as may be provided in a resolution or resolutions adopted by the Board of
Directors. The authority of the Board of Directors shall include, but not be limited to, the determination or fixing of the following
with respect to shares of such class or any series thereof: (1) the number of shares and designation; (2) the dividend rate and
whether dividends are to be cumulative; (3) whether shares are to be redeemable and,</P>


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">if so, the terms and amount of any sinking fund for the purchase
or redemption of such shares; (4) whether shares shall be convertible and, if so, the terms and provisions applying; (5) what
voting rights are to apply, if any; and (6) what restrictions are to apply, if any, on the issue or re-issue of any additional
preferred stock.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 36pt">(a) <U>Non-Cumulative Perpetual Preferred Stock, Series
A</U></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 36pt">(1) <U>Designation and Number of Shares</U>. There is hereby created
out of the authorized and unissued shares of Preferred Stock of the Corporation a series of Preferred Stock designated as the
&ldquo;Non-Cumulative Perpetual Preferred Stock, Series A&rdquo; (hereinafter called &ldquo;<U>Series A Preferred Stock</U>&rdquo;)
initially consisting of 1,000 shares. The number of shares constituting the Series A Preferred Stock may be increased from time
to time by resolution of the Board of Directors, without the vote or consent of the holders of Series A Preferred Stock in accordance
with law up to the maximum number of shares of Preferred Stock authorized to be issued under the Restated Charter, less all shares
at the time authorized of any other series of Preferred Stock. Shares of Series A Preferred Stock shall be dated the date of issue;
provided, that any such additional shares of Series A Preferred Stock are not treated as &ldquo;disqualified preferred stock&rdquo;
within the meaning of Section 1059(f)(2) of the Internal Revenue Code of 1986, as amended, or any successor provision, and such
additional shares of Series A Preferred Stock are otherwise treated as fungible with the initial 1,000 shares of Series A Preferred
Stock for U.S. federal income tax purposes. Shares of outstanding Series A Preferred Stock that are redeemed, purchased or otherwise
acquired by the Corporation shall, after such redemption, purchase or acquisition, be cancelled and shall revert to authorized
but unissued shares of Preferred Stock undesignated as to series until such shares are once more designated as part of a particular
series by the Board of Directors.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 36pt">(2) <U>Standard Provisions</U>. The Standard Provisions contained
in Annex A attached hereto are incorporated herein by reference in their entirety and shall be deemed to be a part of this Article
10(a) to the same extent as if such provisions had been set forth in full herein.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 36pt">(3) <U>Definitions</U>. The following terms are used in this Article
10(a) (including the Standard Provisions in Annex A hereto) as defined below:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 36pt">&ldquo;<U>Board of Directors</U>&rdquo; means the Board of Directors
of the Corporation or any duly authorized committee thereof.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 36pt">&ldquo;<U>Common Stock</U>&rdquo; means the common stock, par value
$0.625 per share, of the Corporation.</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 36pt">&ldquo;<U>Dividend Payment Date</U>&rdquo; means each January 10,
April 10, July 10 and October 10, commencing April 10, 2013; <I>provided</I>, <I>however</I>, that if any such date is not a Business
Day, then such date shall nevertheless be a Dividend Payment Date but dividends on the Series A Preferred Stock, when, as and
if declared, shall be paid on the next succeeding Business Day (without interest or any other adjustment in the amount of the
dividend per share of Series A Preferred Stock).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 36pt">&ldquo;<U>Junior Stock</U>&rdquo;
means (A) the Common Stock and (B) any other class or series of capital stock of the Corporation now or hereafter authorized,
issued or outstanding that, by its terms, does not expressly provide that it ranks <I>pari passu</I> with or senior to the
Series A Preferred Stock as to (i) payment of dividends and/or (ii) distributions upon the liquidation, dissolution or
winding-up of the Corporation.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 36pt">&ldquo;<U>Preferred Stock</U>&rdquo; means any and all series of
preferred stock, having no par value, of the Corporation, including the Series A Preferred Stock.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 36pt">&ldquo;<U>Series A Liquidation Amount</U>&rdquo; means $100,000
per share of Series A Preferred Stock.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 36pt">(4) <U>Certain Voting Matters</U>. Holders of shares of Series
A Preferred Stock will be entitled to one vote for each such share on any matter on which holders of Series A Preferred Stock
are entitled to vote, including any action by written consent.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 12pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif"><B>11.</B></TD><TD STYLE="font: 12pt Times New Roman, Times, Serif"><B>MANAGEMENT BY BOARD OF DIRECTORS.</B></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 12pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif"><B>12.</B></TD><TD STYLE="font: 12pt Times New Roman, Times, Serif"><B>NUMBER, ELECTION AND TERMS OF DIRECTORS.</B></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><B>&#9;</B>(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The number of directors of the Corporation which
shall constitute the entire Board of Directors shall be fixed from time to time in the Bylaws of the Corporation. Any such determination
shall continue in effect unless and until changed, </P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">but no such changes shall affect the term of any director then in office. At
the annual meeting of shareholders that is held in calendar year 2008, the successors of the directors whose terms expire at that
meeting shall be elected for a term expiring at the annual meeting of shareholders that is held in calendar year 2011; provided,
however, that any director whose term expires at the 2008 annual meeting solely due to the operation of Section 48-18-105(d) of
the Tennessee Business Corporation Act shall be elected for the remainder of the term of the class of directors to which he or
she has been assigned. Commencing at the annual meeting of shareholders that is held in calendar year 2009, directors shall be
elected annually for terms of one year, except that any director in office at the 2009 annual meeting whose term expires at the
annual meeting of shareholders held in calendar year 2010 or 2011 shall continue to hold office until the end of the term for
which such director was elected. In all cases, directors shall hold office until their respective successors are duly elected
and qualified.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Newly
created directorships resulting from any increase in the authorized number of directors or any vacancies on the Board of
Directors resulting from death, resignation, retirement, disqualification or any other cause (except removal from office)
shall be filled only by the Board of Directors, provided that a quorum is then in office and present, or only by a majority
of the directors then in office, if less than a quorum is then in office, or by the sole remaining director. Any vacancies on
the Board of Directors resulting from removal from office may be filled by the affirmative vote of the holders of at least a
majority of the voting power of all outstanding voting stock or, if the shareholders do not so fill such a vacancy, by a
majority of the directors then in office. Directors of the Corporation may be removed by the shareholders only for cause by
the affirmative vote of the holders of at least a majority of the voting power of all outstanding voting stock.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Bylaws or any Bylaw of the Corporation may be adopted,
amended or repealed only by the affirmative vote of not less than a majority of the directors then in office at any regular or
special meeting of directors, or by the affirmative vote of the holders of at least eighty percent (80%) of the voting power of
all outstanding voting stock at any annual meeting or any special meeting called for that purpose. Any provision of the Charter
which is inconsistent with any provision of the Bylaws of the Corporation may be adopted only by the affirmative vote of the holders
of at least eighty percent (80%) of the voting power of all outstanding voting stock at any annual meeting or any special meeting
called for that purpose.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding any other provisions of this Charter
or the Bylaws of the Corporation (and notwithstanding the fact that a lesser percentage or separate class vote may be specified
by law, this Charter, the Bylaws of the Corporation or otherwise), the affirmative vote of the holders of at least eighty percent
(80%) of the voting power of all outstanding voting stock shall be required to adopt any provisions inconsistent with, or to amend
or repeal, this Article 12.</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding the foregoing, whenever the holders
of any one or more classes or series of preferred stock issued by the Corporation shall have the right, voting separately by class
or by series, to elect directors at an annual or special meeting of shareholders, the election, term of office, filling of vacancies
and other features of such directorships shall be governed by the terms of this Charter applicable thereto.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

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<TD STYLE="width: 0; font: 12pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif"><B>13.</B></TD><TD STYLE="font: 12pt Times New Roman, Times, Serif"><B>VOTE REQUIREMENT FOR ELECTION OF DIRECTORS.</B></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Except as provided in Article 12, each
director shall be elected by the affirmative vote of a majority of the votes cast with respect to the director at any meeting
of shareholders for the election of directors at which a quorum is present, provided that if, as of (a) the expiration of the
time fixed under Section 3.6 of the Corporation&rsquo;s Bylaws (or any successor provision) for advance notice of nomination
of a director by a shareholder or, (b) in the absence of any such provision, a date that is fourteen (14) days in advance of
the date the Corporation files its definitive proxy statement (regardless of whether or not thereafter revised or
supplemented) with the Securities and Exchange Commission, the number of nominees exceeds the number of positions on the
Board of Directors to be filled by election at the meeting, the directors shall be elected by the vote of a plurality of the
votes cast by the shares entitled to vote in the election at any such meeting. For purposes of this section, the
&ldquo;affirmative vote of a majority of the votes cast&rdquo; means that the number of votes cast &ldquo;for&rdquo; a
director exceeds the number of votes cast &ldquo;against&rdquo; that director.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 12pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif"><B>14.</B></TD><TD STYLE="font: 12pt Times New Roman, Times, Serif"><B>DIRECTOR LIABILITY.</B></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">No director shall be personally liable to the
Corporation or its shareholders for monetary damages for breach of fiduciary duty as director, except for liability (i) for any
breach of the director&rsquo;s duty of loyalty to the Corporation or its shareholders, (ii) for acts or omissions not in good
faith or which involve intentional misconduct or a knowing violation of law, or (iii) under Section 48-18-302, or any successor
provision thereto, of the Tennessee Business Corporation Act.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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<TD STYLE="width: 0; font: 12pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif"><B>15.</B></TD><TD STYLE="font: 12pt Times New Roman, Times, Serif"><B>REGISTERED AGENT AND OFFICE.</B></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The Corporation&rsquo;s registered office is
165 Madison Avenue, Memphis, Shelby County, Tennessee 38103, and its registered agent at that office is Clyde A. Billings, Jr.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">DATED: July 24, 2018</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>



<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">FIRST HORIZON NATIONAL CORPORATION</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; width: 50%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 4%"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">By:</FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 33%; border-bottom: Black 1px solid"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">/s/
    Clyde A. Billings, Jr.</FONT></TD>
    <TD STYLE="vertical-align: top; width: 13%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Clyde A. Billings, Jr., Corporate Secretary</FONT></TD></TR>
</TABLE>


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0"><B>ANNEX A</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0"><B>STANDARD PROVISIONS</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Section 1. <U>General Matters</U>. Each share
of Series A Preferred Stock shall be identical in all respects to every other share of Series A Preferred Stock. The Series A
Preferred Stock shall be perpetual, subject to the provisions of Section 5 of these Standard Provisions that form a part of the
Articles of Amendment.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Section 2. <U>Definitions</U>. As used herein
with respect to the Series A Preferred Stock:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&ldquo;<U>Articles of Amendment</U>&rdquo; means
the Articles of Amendment relating to the Series A Preferred Stock, of which these Standard Provisions form a part, as it may
be amended from time to time.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&ldquo;<U>Business Day</U>&rdquo; means each
weekday that is not a legal holiday in New York, New York and is not a day on which banking institutions in New York, New York
are authorized or obligated by law, regulation or executive order to close.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&ldquo;<U>Bylaws</U>&rdquo; means the Bylaws
of the Corporation, as may be amended from time to time.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&ldquo;<U>Charter</U>&rdquo; means the Restated
Charter of the Corporation, as may be amended from time to time.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&ldquo;<U>Dividend Parity Stock</U>&rdquo;
means any other class or series of capital stock of the Corporation now or hereafter authorized, issued or outstanding that, by
its terms, expressly provides that it ranks <I>pari passu</I> with the Series A Preferred Stock as to the payment of dividends
(regardless whether such capital stock bears dividends on a non-cumulative or cumulative basis).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&ldquo;<U>Dividend Period</U>&rdquo; means each period from and
including a Dividend Payment Date to, but excluding, the next succeeding Dividend Payment Date, except that the initial Dividend
Period shall commence on and include the Original Issue Date.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&ldquo;<U>Dividend Record Date</U>&rdquo; has
the meaning specified in Section 3(a).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&ldquo;<U>DTC</U>&rdquo; means The Depository
Trust Company, together with its successors and assigns.</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&#9;&ldquo;<U>Liquidation Junior Stock</U>&rdquo; means any other
class or series of capital stock of the Corporation now or hereafter authorized, issued or outstanding that, by its terms, does
not expressly provide that it ranks <I>pari passu</I> with or senior to the Series A Preferred Stock as to distributions upon
the liquidation, dissolution or winding-up of the Corporation.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&ldquo;<U>Liquidation Parity Stock</U>&rdquo;
means any other class or series of capital stock of the Corporation now or hereafter authorized, issued or outstanding that, by
its terms, expressly provides that it ranks <I>pari passu</I> with the Series A Preferred Stock as to distributions upon the liquidation,
dissolution or winding-up of the Corporation.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&ldquo;<U>Liquidation
Preference</U>&rdquo; means, with respect to any class or series of capital stock of the Corporation, the amount otherwise
payable upon such class or series of capital stock in connection with any distribution upon the liquidation, dissolution or
winding-up of the Corporation (assuming no limitation on the assets of the Corporation available for such distribution),
including an amount equal to any declared but unpaid dividends (and in the case of any holder of capital stock on which
dividends accrue on a cumulative basis, an amount equal to any unpaid, accrued, cumulative dividends, whether or not
declared, as applicable).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&ldquo;<U>Nonpayment Event</U>&rdquo; has the
meaning set forth in Section 6(c)(i).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&ldquo;<U>Original Issue Date</U>&rdquo; means
the first date on which any share of Series A Preferred Stock is issued and outstanding.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&ldquo;<U>Preferred Stock Director</U>&rdquo;
has the meaning set forth in Section 6(c)(i).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&ldquo;<U>Redemption Date</U>&rdquo; has the
meaning set forth in Section 5(b).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&ldquo;<U>Redemption Depository</U>&rdquo;
has the meaning set forth in Section 5(e).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&ldquo;<U>Redemption Price</U>&rdquo; means
an amount equal to the Series A Liquidation Amount plus the per share amount of any declared but unpaid dividends on the Series
A Preferred Stock prior to the Redemption Date (but with no amount in respect of any dividends that have not been declared prior
to the Redemption Date).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&ldquo;<U>Regulatory Capital Treatment Event</U>&rdquo;
means the good faith determination by the Corporation that, as a result of (i) any amendment to, clarification of, or change in,
the laws or regulations of the United States or any political subdivision of or in the United States that is enacted or becomes
effective after the initial issuance of any share of Series A Preferred Stock, (ii) any proposed change in those laws or regulations
that is announced or becomes effective after the initial issuance of any share of Series A Preferred Stock, or (iii) any official
administrative decision or judicial decision or administrative action or other official pronouncement interpreting or applying
those laws or regulations that is announced after the initial issuance of any share of Series A Preferred Stock, there is more
than an insubstantial risk that the Corporation will not be </P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">entitled to treat the full Series A Liquidation Amount of Series A
Preferred Stock then outstanding as &ldquo;tier 1 capital&rdquo; (or its equivalent) for purposes of the capital adequacy guidelines
of the Board of Governors of the Federal Reserve System (or, as and if applicable, the capital adequacy guidelines or regulations
of any successor Appropriate Federal Banking Agency) as then in effect and applicable.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&ldquo;<U>Standard Provisions</U>&rdquo; means
these Standard Provisions that form a part of the Articles of Amendment.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&ldquo;<U>Voting Parity Stock</U>&rdquo; means,
with regard to any matter as to which the holders of Series A Preferred Stock are entitled to vote as specified in Section 6,
any and all series of Dividend Parity Stock having voting rights equivalent to those described in Section 6(c).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Section 3. <U>Dividends</U>.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Rate and Payment</U>. Holders
of Series A Preferred Stock shall be entitled to receive, when, as and if declared by the Board of Directors, out of assets
legally available therefor, non-cumulative cash dividends at a rate equal to 6.20% of the Series A Liquidation Amount <I>per
annum</I>, payable in arrears, on each Dividend Payment Date with respect to the Dividend Period (or portion thereof) ending
on the day preceding such respective Dividend Payment Date. Dividends that are payable on the Series A Preferred Stock on any
Dividend Payment Date shall be payable to holders of record of Series A Preferred Stock as they appear on the
Corporation&rsquo;s stock register on the applicable record date, which shall be the 15th calendar day before the applicable
Dividend Payment Date, or such other record date, no more than 60 calendar days nor less than 10 calendar days before the
applicable Dividend Payment Date, as shall be fixed by the Board of Directors (the &ldquo;<U>Dividend Record
Date</U>&rdquo;). A Dividend Record Date established for the Series A Preferred Stock need not be a Business Day. Any such
day that is a Dividend Record Date shall be a Dividend Record Date whether or not such day is a Business Day. Dividends
payable on Series A Preferred Stock shall be computed on the basis of a 360-day year consisting of twelve 30-day months.
Dollar amounts resulting from that calculation shall be rounded to the nearest cent, with one-half cent being rounded upward.
The Corporation shall not pay interest or any sum of money instead of interest on any dividend payment that may be in arrears
on the Series A Preferred Stock.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Dividends Non-Cumulative</U>. Dividends on the Series
A Preferred Stock will not be cumulative and will not be mandatory. If the Board of Directors does not declare a dividend on the
Series A Preferred Stock in respect of a Dividend Period, then no dividend shall be deemed to have accrued for such Dividend Period,
no dividend shall be payable on the related Dividend Payment Date, and the Corporation shall have no obligation to pay any dividend
for such Dividend Period, whether or not the Board of Directors declares a dividend for any future Dividend Period with respect
to the Series A </P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">Preferred Stock or at any future time with respect to any other class or series of the Corporation&rsquo;s capital
stock.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Priority Regarding Dividends</U>. So long as any
share of Series A Preferred Stock remains outstanding, unless (A) the full dividends for the most recently completed Dividend
Period have been declared and paid (or declared and a sum sufficient for the payment thereof has been set aside) on all outstanding
shares of Series A Preferred Stock and (B) the Corporation is not in default on its obligation to redeem any shares of Series
A Preferred Stock that have been called for redemption:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 54pt">(i) no dividend shall be declared, paid or set aside for payment,
and no distribution shall be declared, made or set aside for payment, on any Junior Stock, other than (1) a dividend payable solely
in Junior Stock or (2) any dividend in connection with the implementation of a stockholders&rsquo; rights plan, or the redemption
or repurchase of any rights under any such plan;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 54pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 54pt">(ii) no shares of Junior Stock shall be
repurchased, redeemed or otherwise acquired for consideration by the Corporation, directly or indirectly, other than (1) as a
result of a reclassification of Junior Stock for or into other Junior Stock, (2) the exchange or conversion of Junior Stock
for or into other Junior Stock, (3) through the use of the proceeds of a sale of other shares of Junior Stock within the
preceding 180 days, (4) purchases, redemptions or other acquisitions of shares of Junior Stock in connection with any
employment contract, benefit plan or other similar arrangement with or for the benefit of employees, officers, directors or
consultants, (5) purchases of shares of Junior Stock pursuant to a contractually binding requirement to buy Junior Stock
existing prior to the most recently completed Dividend Period, including under a contractually binding stock repurchase plan
(including a so-called Rule 10b5-1(c) purchase plan), (6) the purchase of fractional interests in shares of Junior Stock
pursuant to the conversion or exchange provisions of such stock or the security being converted or exchanged, (7) purchases
or other acquisitions by any of the Corporation&rsquo;s broker-dealer subsidiaries solely for the purpose of market making,
stabilization or customer facilitation transactions in Junior Stock in the ordinary course of business, (8) purchases by any
of the Corporation&rsquo;s broker-dealer subsidiaries of the Corporation&rsquo;s capital stock for resale pursuant to an
offering by the Corporation of such capital stock underwritten by such broker-dealer subsidiary, or (9) the acquisition by
the Corporation or any of the Corporation&rsquo;s subsidiaries of record ownership in Junior Stock for the beneficial
ownership of any other persons (other than for the beneficial ownership by the Corporation or any of the Corporation&rsquo;s
subsidiaries), including as trustees or custodians, nor shall any monies be paid to or made available for a sinking fund for
the redemption of any such securities by the Corporation, and</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 54pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 54pt">(iii) no shares of Dividend Parity Stock shall be repurchased,
redeemed or otherwise acquired for consideration by the Corporation, directly or indirectly, other than (1) pursuant to <I>pro
rata</I> offers to purchase all, or a <I>pro rata</I> portion, of the Series A </P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">Preferred Stock and such Dividend Parity Stock,
(2) as a result of a reclassification of Dividend Parity Stock for or into other Dividend Parity Stock, (3) the exchange or conversion
of Dividend Parity Stock for or into other Dividend Parity Stock, (4) through the use of the proceeds of a sale of other shares
of Dividend Parity Stock within the preceding 180 days, (5) purchases of shares of Dividend Parity Stock pursuant to a contractually
binding requirement to buy Dividend Parity Stock existing prior to the most recently completed Dividend Period, including under
a contractually binding stock repurchase plan (including a so-called Rule 10b5-1(c) purchase plan), (6) the purchase of fractional
interests in shares of Dividend Parity Stock pursuant to the conversion or exchange provisions of such stock or the security being
converted or exchanged, (7) purchases or other acquisitions by any of the Corporation&rsquo;s broker-dealer subsidiaries solely
for the purpose of market making, stabilization or customer facilitation transactions in Dividend Parity Stock in the ordinary
course of business, (8) purchases by any of the Corporation&rsquo;s broker-dealer subsidiaries of the Corporation&rsquo;s capital
stock for resale pursuant to an offering by the Corporation of such capital stock underwritten by such broker-dealer subsidiary,
or (9) the acquisition by the Corporation or any of the Corporation&rsquo;s subsidiaries of record ownership in Dividend Parity
Stock for the beneficial ownership of any other persons (other than for the beneficial ownership by the Corporation or any of
the Corporation&rsquo;s subsidiaries), including as trustees or custodians, nor shall any monies be paid to or made available
for a sinking fund for the redemption of any such securities by the Corporation.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">When dividends are not paid in full upon
the shares of Series A Preferred Stock and any Dividend Parity Stock, all dividends paid or declared for payment on a
dividend payment date with respect to the Series A Preferred Stock and the Dividend Parity Stock shall be shared (i) first
ratably by the holders of any Dividend Parity Stock who have the right to receive dividends with respect to past dividend
periods for which such dividends were not declared and paid, in proportion to the respective amounts of the undeclared and
unpaid dividends relating to past dividend periods, and thereafter (ii) ratably by the holders of Series A Preferred Stock
and any Dividend Parity Stock, in proportion to the respective amounts of the undeclared and unpaid dividends relating to the
current dividend period. To the extent a dividend period with respect to any Dividend Parity Stock coincides with more than
one Dividend Period with respect to the Series A Preferred Stock, for purposes of the immediately preceding sentence the
Board of Directors shall treat such dividend period as two or more consecutive dividend periods, none of which coincides with
more than one Dividend Period with respect to the Series A Preferred Stock or in any manner that it deems to be fair and
equitable. The term &ldquo;<U>dividend period</U>&rdquo; as used in this paragraph means such dividend periods as are
provided for in the terms of any Dividend Parity Stock and, in the case of shares of Series A Preferred Stock, Dividend
Periods applicable to shares of Series A Preferred Stock; and the term &ldquo;<U>dividend payment dates</U>&rdquo; as used in
this paragraph means such dividend payment dates as are provided for in the terms of any Dividend Parity Stock and, in the
case of shares of Series A Preferred Stock, Dividend Payment Dates applicable to shares of Series A Preferred Stock.</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Dividends Generally</U>. Subject to Section 3(c),
and not otherwise, dividends (payable in cash, securities or otherwise) as may be determined by the Board of Directors may be
declared and paid on any class or series of Junior Stock or Dividend Parity Stock from time to time out of any assets legally
available therefor, and the holders of Series A Preferred Stock shall not be entitled to participate in any such dividend. Holders
of Series A Preferred Stock shall not be entitled to receive any dividends not declared by the Board of Directors and no interest,
or sum of money in lieu of interest, shall be payable in respect of any dividend not so declared.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Limitations Under Applicable Law</U>. Dividends on
the Series A Preferred Stock shall not be declared, paid or set aside for payment, if the Corporation fails to comply, or if and
to the extent such act would cause the Corporation to fail to comply, with applicable laws and regulations, including any capital
adequacy guidelines or regulations of the Board of Governors of the Federal Reserve System (or, as and if applicable, the capital
adequacy guidelines or regulations of any successor Appropriate Federal Banking Agency).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Section 4. <U>Liquidation</U>.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Voluntary
or Involuntary Liquidation</U>. In the event of any voluntary or involuntary liquidation, dissolution or winding-up of the
Corporation, holders of Series A Preferred Stock shall be entitled to receive out of assets of the Corporation or proceeds
thereof available for distribution to stockholders of the Corporation, after satisfaction of liabilities or obligations to
creditors and subject to the rights of holders of any securities ranking senior to Series A Preferred Stock with respect to
distributions upon the voluntary or involuntary liquidation, dissolution or winding-up of the Corporation, before any
distribution of assets is made to holders of any Liquidation Junior Stock, a liquidating distribution in an amount equal to
(i) the Series A Liquidation Amount plus (ii) the per share amount of any declared and unpaid dividends on the Series A
Preferred Stock prior to the date of payment of such liquidating distribution (but without any amount in respect of dividends
that have not been declared prior to such payment date). After payment of the full amount of such liquidating distribution,
the holders of Series A Preferred Stock shall not be entitled to any further participation in any distribution of assets of
the Corporation.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Partial Payment</U>. In any distribution described
in Section 4(a), if the assets of the Corporation or proceeds thereof are not sufficient to pay in full the Liquidation Preference
to all holders of Series A Preferred Stock and all Liquidation Parity Stock, the amounts paid to the holders of Series A Preferred
Stock and to the holders of all Liquidation Parity Stock shall be paid <I>pro rata</I> in accordance with the respective aggregate
Liquidation Preferences of the Series A Preferred Stock and all other series of Liquidation Parity Stock.</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Residual Distributions</U>. If the Liquidation Preference
has been paid in full to all holders of Series A Preferred Stock and the Liquidation Preference has been paid in full on all Liquidation
Parity Stock, the holders of any Liquidation Junior Stock shall be entitled to receive all remaining assets of the Corporation
or proceeds thereof according to their respective rights and preferences.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Merger, Consolidation or Other Business Combination</U>.
For purposes of this Section 4, the merger, consolidation or other business combination of the Corporation with or into any other
entity, or by another entity with or into the Corporation, including a merger, consolidation or other business combination in
which the holders of Series A Preferred Stock receive cash, securities or property for their shares, or the sale, lease, exchange
or transfer of all or substantially all of the property or assets of the Corporation (for cash, securities or other property),
shall not constitute a liquidation, dissolution or winding-up of the Corporation.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Section 5. <U>Redemption</U>.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Mandatory Redemption; Sinking Fund</U>. The Series
A Preferred Stock is perpetual and has no maturity date. The Series A Preferred Stock is not subject to any mandatory redemption,
sinking fund or other similar provisions. The holders of the Series A Preferred Stock shall not have the right to require the
redemption or repurchase of the Series A Preferred Stock.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Optional Redemption</U>. The Corporation may, at
its option through a resolution duly adopted by the Board of Directors, redeem the Series A Preferred Stock at a price per share
equal to the Redemption Price (1) in whole or in part, from time to time, on any Dividend Payment Date on or after April 10, 2018,
or (2) in whole, but not in part, at any time within 90 days following the occurrence of a Regulatory Capital Treatment Event.
The Redemption Price shall be payable to the holder of any shares of Series A Preferred Stock redeemed on the date fixed for such
redemption (the &ldquo;<U>Redemption Date</U>&rdquo;) against the surrender of the certificate(s) evidencing such shares to the
Corporation or its agent, if the shares of Series A Preferred Stock are issued in certificated form; <I>provided</I> that any
declared but unpaid dividends payable on a Redemption Date that occurs subsequent to the Dividend Record Date for a Dividend Period
shall not be paid to the holder of Series A Preferred Stock entitled to receive the Redemption Price on the Redemption Date, but
rather shall be paid to the holder of record of the redeemed shares on such Dividend Record Date relating to the Dividend Payment
Date as provided in Section 3 above.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Notice
of Redemption</U>. If any shares of Series A Preferred Stock are to be redeemed, a notice of redemption shall be given by
first class mail to the holders of record of Series A Preferred Stock to be redeemed at their respective last addresses
appearing on the books of the Corporation (provided that, if Series A Preferred Stock is held in book-entry form through DTC,
the Corporation may give such notice in any</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0"> manner permitted by DTC). Such notice shall be mailed at least 30 days and no
more than 60 days before the applicable Redemption Date for such shares. Each such notice of redemption shall include a
statement setting forth: (1) the Redemption Date for such shares of Series A Preferred Stock; (2) the number of shares of
Series A Preferred Stock to be redeemed and, if less than all the shares held by such holder are to be redeemed, the number
of such shares to be redeemed from such holder; (3) the Redemption Price; and (4) the place or places where the certificates
evidencing shares of Series A Preferred Stock are to be surrendered for payment of the Redemption Price. Any notice of
redemption mailed or otherwise delivered as provided in this Section 5(c) shall be conclusively presumed to have been duly
given, whether or not any holder of Series A Preferred Stock receives such notice. Failure to duly give notice by mail or
otherwise pursuant to this Section 5(c), or any defect in such notice or in the mailing or provision of such notice, to any
holder of shares of Series A Preferred Stock designated for redemption shall not affect the validity of the proceedings for
the redemption of any other shares of Series A Preferred Stock.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Partial Redemption</U>. In case of any redemption
of only part of the shares of Series A Preferred Stock at the time outstanding, the shares of Series A Preferred Stock to be redeemed
shall be selected either <I>pro rata</I>, by lot or in such other manner as the Corporation, through a resolution duly adopted
by the Board of Directors, may determine to be fair and equitable.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Effectiveness
of Redemption</U>. If notice of redemption has been duly given and if on or before the Redemption Date specified in such
notice all funds necessary for the redemption have been set aside by the Corporation, separate and apart from its other
assets, in trust for the <I>pro rata</I> benefit of the holders of the shares of Series A Preferred Stock called for
redemption, so as to be and continue to be available therefor, or deposited by the Corporation with a bank or trust company
selected by the Corporation (the &ldquo;<U>Redemption Depository</U>&rdquo;) in trust for the <I>pro rata</I> benefit of the
holders of the shares called for redemption, then, notwithstanding that any certificate for any share so called for
redemption has not been surrendered for cancellation, on and after the Redemption Date all shares of Series A Preferred Stock
called for redemption shall cease to be outstanding, all dividends with respect to such shares of Series A Preferred Stock
shall cease to accrue after such Redemption Date, and all rights with respect to such shares shall forthwith on such
Redemption Date cease and terminate, except only the right of the holders thereof to receive the amount payable on such
redemption from the Redemption Depository at any time after the applicable Redemption Date from the funds so deposited,
without interest. The Corporation shall be entitled to receive, from time to time, from the Redemption Depository any
interest accrued on such funds, and the holders of any shares called for redemption shall have no claim to any such interest.
Any funds so deposited and unclaimed at the end of two years from the applicable Redemption Date shall, to the extent
permitted by law, be released or repaid to the Corporation, and in the event of such repayment to the Corporation, the
holders of record of the shares of Series A Preferred Stock called for redemption shall thereafter, as </P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">unsecured general
creditors of the Corporation, look only to the Corporation for the payment of an amount equivalent to the amount deposited as
stated above for the redemption of such shares, but shall in no event be entitled to any interest.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Limitations Under Applicable Law</U>. If then required
under the capital adequacy guidelines or regulations of the Board of Governors of the Federal Reserve System (or, if and as applicable,
the capital adequacy guidelines or regulations of any successor Appropriate Federal Banking Agency), any redemption of all or
part of the Series A Preferred Stock is subject to the receipt by the Corporation of any required prior approval by the Board
of Governors of the Federal Reserve System (or such successor Appropriate Federal Banking Agency).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Section 6. <U>Voting Rights</U>.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>General</U>. Except as provided below or as expressly
required by law, the holders of shares of Series A Preferred Stock shall have no voting power, and no right to vote on any matter
at any time, either as a separate series or class or together with any other series or class of shares of capital stock of the
Corporation, and shall not be entitled to call a meeting of the holders of any series or class of capital stock of the Corporation
for any purpose, nor shall they be entitled to participate in any meeting of the holders of the Common Stock. Each holder of Series
A Preferred Stock shall have one vote per share (except as set forth otherwise in this Section 6) on any matter on which holders
of Series A Preferred Stock are entitled to vote, including when acting by written consent.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Supermajority Voting Rights</U>. So long as any shares
of Series A Preferred Stock remain outstanding, in addition to any other vote or consent of stockholders required by law or the
Charter, the affirmative vote or consent of the holders of at least two-thirds of all of the shares of Series A Preferred Stock
at the time outstanding and entitled to vote thereon, voting separately as a single class, shall be required to:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;authorize or increase the authorized amount of, or issue
shares of, any class or series of capital stock of the Corporation ranking senior to the Series A Preferred Stock with respect
to payment of dividends or as to distributions upon the liquidation, dissolution or winding-up of the Corporation, or issue any
obligation or security convertible into or evidencing the right to purchase, any such class or series of capital stock of the
Corporation;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;amend the provisions of the Charter or Bylaws so as to
materially and adversely affect the special powers, preferences, privileges or rights of Series A Preferred Stock, taken as a
whole; or</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;consummate a binding share-exchange or reclassification
involving the Series A Preferred Stock, or a merger or consolidation of the Corporation with or into another entity, unless the
shares of Series A Preferred Stock (i) remain outstanding or (ii) are converted into or exchanged for preference securities of
the surviving entity or </P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">any entity controlling such surviving entity and such new
preference securities have terms that are not materially less favorable than those of the Series A Preferred Stock; <I>provided</I>, <I>however</I>,
that, for all purposes of this Section 6(b), the authorization, creation and issuance, or an increase in the authorized or
issued amount of, Junior Stock or any series of Preferred Stock, or any securities convertible into or exchangeable or
exercisable for Junior Stock or any series of Preferred Stock, that by its terms expressly provides that it ranks <I>pari
passu</I> with the Series A Preferred Stock with respect to the payment of dividends (whether such dividends are cumulative
or non-cumulative) and as to distributions upon the liquidation, dissolution or winding-up of the Corporation shall not be
deemed to materially and adversely affect the powers, preferences, privileges or rights of Series A Preferred Stock, and
shall not require the affirmative vote or consent of, the holders of any outstanding shares of Series A Preferred Stock.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Election of Directors under Certain Circumstances</U>.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If and when dividends on the Series A Preferred Stock and
any other class or series of Voting Parity Stock have not been declared and paid (i) in the case of the Series A Preferred Stock
and any other class or series of Voting Parity Stock bearing non-cumulative dividends, in full for at least six quarterly dividend
periods or their equivalent (whether or not consecutive) or (ii) in the case of any class or series of Voting Parity Stock bearing
cumulative dividends, in an aggregate amount equal to full dividends for at least six quarterly dividend periods or their equivalent
(whether or not consecutive) (each, a &ldquo;<U>Nonpayment Event</U>&rdquo;), the number of directors then constituting the Board
of Directors shall automatically be increased by two and the holders of Series A Preferred Stock, together with the holders of
any outstanding shares of Voting Parity Stock, voting together as a single class, shall be entitled to elect the two additional
directors (the &ldquo;<U>Preferred Stock Directors</U>&rdquo;) at any annual or special meeting of stockholders at which directors
are to be elected or any special meeting of the holders of the Series A Preferred Stock and any Voting Parity Stock for which
dividends have not been paid; <I>provided</I> that it shall be a qualification for election for any such Preferred Stock Director
that the election of such director shall not cause the Corporation to violate the corporate governance requirement of the New
York Stock Exchange (or any other securities exchange or other trading facility on which securities of the Corporation may then
be listed or traded) and <I>provided</I>,<I> further</I>, that the Board of Directors shall at no time include more than two Preferred
Stock Directors (including, for purposes of this limitation, all directors that the holders of any series of Voting Parity Stock
are entitled to elect pursuant to like voting rights).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In the event that the holders of Series A Preferred Stock
and, if applicable, such other holders of Voting Parity Stock shall be entitled to vote for the election of the Preferred Stock
Directors following a Nonpayment Event, such directors shall be initially elected following such Nonpayment Event only at a special
meeting called by the Secretary of the Corporation or at the written request of the holders of </P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">record of at least 20% of the aggregate number of shares of
Series A Preferred Stock and each other series of Voting Parity Stock which then have the right to exercise voting rights
similar to those described above then outstanding (unless such request for a special meeting is received less than 90 days
before the date fixed for the next annual or special meeting of the stockholders of the Corporation, in which event such
election shall be held only at such next annual or special meeting of stockholders), and at each subsequent annual meeting of
stockholders of the Corporation. Such request to call a special meeting for the initial election of the Preferred Stock
Directors after a Nonpayment Event shall be made by written notice, signed by the requisite holders of Series A Preferred
Stock or Voting Parity Stock, and delivered to the Secretary of the Corporation in such manner as provided for in Section 10
below, or as may otherwise be required by applicable law. If the Secretary of the Corporation fails to call a special meeting
for the election of the Preferred Stock Directors within 20 days of receiving proper notice, any holder of Series A Preferred
Stock may call such a meeting at the Corporation&rsquo;s expense solely for the election of the Preferred Stock Directors,
and for this purpose only such Series A Preferred Stock holder shall have access to the Corporation&rsquo;s stock ledger. The
Preferred Stock Directors elected at any such special meeting shall hold office until the next annual meeting of the
stockholders if such office shall not have previously terminated as below provided.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;When dividends have been paid in full on the Series A
Preferred Stock and any and all series of non-cumulative Voting Parity Stock (other than the Series A Preferred Stock) for consecutive
Dividend Periods equivalent to at least one year after a Nonpayment Event and all dividends on any cumulative Voting Parity Stock
have been paid in full, then the right of the holders of Series A Preferred Stock to elect the Preferred Stock Directors shall
cease (but subject always to re-vesting of such voting rights in the case of any future Nonpayment Event), and, if and when any
rights of holders of Series A Preferred Stock and Voting Parity Stock to elect the Preferred Stock Directors shall have ceased,
the terms of office of all the Preferred Stock Directors shall forthwith terminate and the number of directors constituting the
Board of Directors shall automatically be reduced accordingly.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(iv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any Preferred Stock Director may be removed at any time
without cause by the holders of record of a majority of the outstanding shares of Series A Preferred Stock and Voting Parity Stock,
when they have the voting rights described above (voting together as a single class). In case any vacancy shall occur among the
Preferred Stock Directors, a successor shall be elected by the Board of Directors to serve until the next annual meeting of the
stockholders upon the nomination of the then remaining Preferred Stock Director or, if no Preferred Stock Director remains in
office, by the vote of the holders of record of a majority of the outstanding shares of Series A Preferred Stock and such Voting
Parity Stock, voting as a single class. The Preferred Stock Directors shall each be entitled to one vote per director on any matter
that shall come before the Board of Directors for a vote.</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Changes after Provision for Redemption</U>. The voting
rights provided in this Section 6 shall not apply if, at or prior to the time when the act with respect to which such vote or
consent would otherwise be required shall be effected, all outstanding shares of Series A Preferred Stock have been redeemed or
called for redemption upon proper notice and sufficient funds have been set aside in accordance with Section 5(e).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Changes for Clarification</U>. Without the consent
of the holders of Series A Preferred Stock, so long as such action does not materially and adversely affect the rights, preferences,
privileges and voting powers, and limitations and restrictions thereof, of the Series A Preferred Stock, the Corporation may amend,
alter, supplement or repeal any terms of the Series A Preferred Stock:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to cure any ambiguity, or to cure, correct or supplement
any provision contained in this Articles of Amendment that may be defective or inconsistent; or</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to make any provision with respect to matters or questions
arising with respect to the Series A Preferred Stock that is not inconsistent with the provisions of this Articles of Amendment.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Procedures for Voting and Consents</U>. The rules
and procedures for calling and conducting any meeting of the holders of Series A Preferred Stock (including, without limitation,
the fixing of a record date in connection therewith), the solicitation and use of proxies at such a meeting, the obtaining of
written consents and any other aspect or matter with regard to such a meeting or such consents shall be governed by any rules
the Board of Directors, in its discretion, may adopt from time to time, which rules and procedures shall conform to the requirements
of the Charter, the Bylaws, applicable law and any national securities exchange or other trading facility on which the Series
A Preferred Stock is listed or traded at the time. Whether the vote or consent of the holders of a majority or other portion of
the shares of Series A Preferred Stock and any Voting Parity Stock has been cast or given on any matter on which the holders of
shares of Series A Preferred Stock are entitled to vote shall be determined by the Corporation by reference to the respective
liquidation preference amounts of the shares of Series A Preferred Stock and Voting Parity Stock voted or covered by the consent.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Section 7. <U>Conversion Rights</U>. The holders
of shares of Series A Preferred Stock shall not have any rights to convert such shares into shares of any other class or series
of securities of the Corporation.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Section 8. <U>Preemptive Rights</U>. The holders
of shares of Series A Preferred Stock shall have no preemptive rights with respect to any shares of the Corporation&rsquo;s capital
stock or any of its other securities convertible into or carrying rights or options to purchase any such capital stock.</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Section 9. <U>Record Holders</U>. To the fullest
extent permitted by applicable law, the Corporation and the transfer agent for the Series A Preferred Stock may deem and treat
the record holder of any share of Series A Preferred Stock as the true and lawful owner thereof for all purposes, and neither
the Corporation nor such transfer agent shall be affected by any notice to the contrary.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Section 10. <U>Notices</U>. All notices or communications
in respect of the Series A Preferred Stock shall be sufficiently given if given in writing and delivered in person or by first
class mail or if giving in such other manner as may be permitted herein, in the Charter or Bylaws or by applicable law. Delivery
of a notice or communication to the Company will be effective upon receipt. Delivery of a notice or communication to holders of
shares of Series A Preferred Stock will be effective upon, in the case of personal delivery, receipt or, in the case of mailing,
deposit in the mail, postage prepaid. Notwithstanding the foregoing, if shares of Series A Preferred Stock or depositary shares
representing an interest in shares of Series A Preferred Stock are issued in book-entry form through DTC, such notices may be
given to the holders of the Series A Preferred Stock in any manner permitted by DTC.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Section 11. <U>Stock Certificates</U>. The Corporation
may at its option issue shares of Series A Preferred Stock without certificates.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>(As Amended and Restated Effective July
24, 2018)</B></P>

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

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

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

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

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

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

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>2.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Place
of Meetings</U>. </B>Meetings of the shareholders of the Corporation may be held either in the State of Tennessee or elsewhere
at a place fixed by the Board of Directors. If no place is so fixed for a particular meeting, it shall be held at the principal
office of the Corporation in the State of Tennessee.</P>

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>2.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Special
Meetings</U>. </B>Special meetings of the shareholders for any purpose or purposes, unless otherwise prescribed by statute, may
be called by Chairman of the </P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Board and shall be called by the Chairman of the Board or the Secretary at the request in writing
of a majority of the Board of Directors. Only such business within the purpose or purposes described in the notice of the meeting
may be conducted at the meeting.</P>

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

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

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

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

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

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

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

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

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

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

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

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

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>3.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Number
and Qualifications</U>. </B>The Board of Directors shall consist of twelve members. The Board of Directors has the power to change
from time to time the number of directors specified in the preceding sentence. Any such change in the number of directors constituting
the Corporation&rsquo;s Board Directors must be made exclusively by means of an amendment to these Bylaws adopted by a majority
of the entire Board of Directors then in office. Directors need not be shareholders of the Corporation nor residents of the State
of Tennessee.</P>

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

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

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

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 38pt">(a)</TD>
    <TD>authorize distributions (which include dividend declarations), except according to a formula or method prescribed by the
    Board of Directors,</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>(b)</TD>
    <TD>fill vacancies on the Board of Directors or on any of its committees,</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>(c)</TD>
    <TD>adopt, amend or repeal bylaws,</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>(d)</TD>
    <TD>authorize or approve the reacquisition of shares, except according to a formula or method prescribed by the Board of Directors,
    or</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>(e)</TD>
    <TD>authorize or approve the issuance or sale or contract for sale of shares, or determine the designation and relative rights,
    preferences and limitations of a class or series of shares, except that the Board of Directors may authorize a committee to
    do so within limits specifically prescribed by the Board of Directors.</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

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

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

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>3.10&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Regular
Meetings</U>. </B>Following each annual meeting of shareholders, the newly elected directors shall meet for the purpose of organization,
the appointment of officers and the transaction of other business, and, if a majority of the directors be present at such place,
day and hour, no prior notice of such meeting shall be required to be given to the directors. The place, day and hour of such meeting
may also be fixed by resolution or by written consent of the directors. In addition, the Board of Directors may approve an annual
schedule for regular meetings of the Board of Directors and of committees thereof, and any committee may revise its annual schedule
for regular meetings thereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>3.11&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Special
Meetings</U>. </B>Special meetings of the Board of Directors may be called by the Chairman of the Board, the Chief Executive Officer,
or the President, and shall be called by the Chairman of the Board or Secretary on the written request of a majority of directors
then in office. Special meetings of any committee of the Board of Directors may be called by the person or persons specified in
the resolution of the Board of Directors establishing the committee or, for any standing committee, by its chair. Advance notice
of any special meeting shall be given to each director or committee member, as appropriate, as provided in this section. The person
or persons calling the meeting, or the Secretary, shall endeavor in good faith to provide at least two days&rsquo; advance notice,
if </P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">practicable. In any case, each special meeting shall be called on at least two hours&rsquo; advance notice, given personally
or by telephone, by facsimile transmission, by any means of physical delivery, or by any means of electronic transmission. The
notice shall state the day and hour of the meeting and the place where the meeting is to be held. Special meetings of the directors
may be held at any time on written waiver of notice or by consent of all the directors, either of which may be given before, at
the time of, or after the meeting. Electronic transmission to a director may be by electronic mail or message to an address provided
by the director, or by any other electronic transmission method to which the director has consented. Each director is deemed to
agree and consent to receive a notice of any meeting in electronic form delivered by electronic transmission, provided however
that a director may deliver to the Secretary and the Chairman of the Board an explicit objection to such form or delivery method,
in which case notice will be given to that director in another form or by another method, as applicable. Any such objection shall
apply only to the meeting to which it relates unless it explicitly provides for ongoing effect; no such ongoing objection shall
continue in effect after the director&rsquo;s then-current term ends.</P>

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

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

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

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 38pt">(i)</TD>
    <TD>A written consent may be signed manually or by facsimile. For this purpose &ldquo;facsimile&rdquo;
    includes any image of a manual signature, whether on paper or in an electronic format.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>(ii)</TD>
    <TD>A written consent may be signed electronically as permitted by law, except to the extent explicitly limited by these bylaws
    or by Board action. Examples of electronic signatures include: the manual signature of the director created and placed on
    an electronic written consent using a stylus or otherwise; the typed or other written name of the director appearing in an
    email, text message, or other electronic communication where the context indicates the director&rsquo;s intent for the name
    to constitute or have the effect of a signature; and, within any electronic system which the Secretary or any Assistant Secretary
    has selected to use for this purpose, marking or otherwise indicating electronically the director&rsquo;s approval, disapproval,
    or other vote. Neither such communication, nor any vote record created or retained by the system, need include the text of
    or a copy of the written consent which is signed electronically so long as the Authorized Recipient can reasonably determine
    the relationship of the signature to the consent signed.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>(iii)</TD>
    <TD>A signed written consent on any physical medium may be delivered by any physical means.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>(iv)</TD>
    <TD>A facsimile of a signed written consent may be delivered by any physical means or by any electronic transmission, subject
    to paragraph (vi). Examples of the latter include:&nbsp;&nbsp;transmitting to an Authorized Recipient by email a scanned image
    of the manually signed written consent or of a manually signed signature page thereof; and, transmitting to an Authorized
    Recipient by email the electronic written consent document with the director&rsquo;s signature, or a facsimile, electronically
    placed within the document.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>(v)</TD>
    <TD>If a written consent is signed electronically, delivery to the Corporation may be accomplished by any electronic transmission,
    subject to paragraph (vi). For example, the transmission by a director to an Authorized Recipient of an email which refers
    to a written consent document previously </TD></TR>
</TABLE>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 38pt">&nbsp;</TD>
    <TD>delivered to the director, which indicates his or her vote(s) or recusal, and which
    includes an electronic signature would be an acceptable means of delivery.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>(vi)</TD>
    <TD>In the case of any delivery by electronic transmission: (A) the recipient must be able to receive and interpret the transmission
    either by using the Corporation&rsquo;s equipment and systems or by using other equipment and systems which the recipient
    has available and is willing to use for this purpose; and (B) transmission may be to the recipient&rsquo;s Corporation-provided
    email address or text-enabled device, or (to the extent permitted by the recipient either before or after receipt) may be
    to the recipient&rsquo;s personal email address or text-enabled device. In the latter case, the recipient&rsquo;s permission
    may be express or implied from his or her actions following receipt.</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>4.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Designated
Officers</U>. </B>The officers of the Corporation shall consist of such officers as are required by the Tennessee Business Corporation
Act and such other officers, including officers identified in Sections 4.8 through 4.21 below, as the Board of Directors determines
from time to time, along with such other officers and</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> assistant officers as may be from time to time determined and appointed in
accordance with the provisions of this Article Four. The title of any officer may include any additional descriptive designation
determined to be appropriate. Any person may hold two or more offices, except that the President shall not also be the Secretary
or an Assistant Secretary. The officers need not be directors, and officers need not be shareholders.</P>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>4.16&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Business
Segment Presidents and Business Segment Chief Operating Officers</U>. </B>Each officer of the Corporation who is designated as
or has the functions of a president or a chief operating officer of a substantial business line, division, segment, or group (as
applicable, a &ldquo;Business Segment President&rdquo; or &ldquo;Business Segment Chief Operating Officer&rdquo;) shall perform
such duties and exercise such powers as are normally incident to his or her office and as may be prescribed by the Board of Directors,
the Chief Executive Officer, the President, or the Chief Operating Officer. Two or more persons may share the duties and authorities
of a Business Segment President or Business Segment Chief Operating Officer as determined by the Board of Directors, the Chief
Executive Officer, the President, or the Chief Operating Officer. For this purpose, a business line, division, segment, or group
is substantial if <FONT STYLE="font-weight: normal">the officer who is designated as or has the functions of</FONT> its president
or chief operating officer is an Executive Officer or if it is expressly identified as a &ldquo;segment&rdquo; or &ldquo;business
segment&rdquo; of the Corporation for financial accounting purposes.</P>

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

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>4.21&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Chief
Accounting Officer</U>. </B>The Chief Accounting Officer shall be the principal accounting officer of the Corporation. The Chief
Accounting Officer is authorized to sign any document filed with the Securities and Exchange Commission or any state securities
commission on behalf of the Corporation and shall assist the management of the Corporation in setting the financial goals and policies
of the Corporation, shall provide financial and statistical information to the shareholders and to the management of the Corporation
and shall perform such other duties and exercise such other powers as may be prescribed by the Board of Directors, the Chief Executive
Officer, the Chief Financial Officer, the President or the Chief Operating Officer.</P>

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

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

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

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

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

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

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

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 36pt">&nbsp;</TD><TD STYLE="width: 36pt; text-align: left">(a)</TD><TD STYLE="text-align: justify">A statement that the Corporation is organized under the laws
of the State of Tennessee;</TD>
</TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD>&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD>&nbsp;</TD><TD STYLE="text-align: left">(b)</TD><TD STYLE="text-align: justify">The name of the Corporation;</TD>
</TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD>&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD>&nbsp;</TD><TD STYLE="text-align: left">(c)</TD><TD STYLE="text-align: justify">The name of the person to whom issued;</TD>
</TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD>&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD>&nbsp;</TD><TD STYLE="text-align: left">(d)</TD><TD STYLE="text-align: justify">The number and class of shares, and the designation of the
series, if any, which such certificate represents;</TD>
</TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD>&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD>&nbsp;</TD><TD STYLE="text-align: left">(e)</TD><TD STYLE="text-align: justify">The par value of each share represented by such certificate;
or a statement that the shares are without par value; and</TD>
</TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD>&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD>&nbsp;</TD><TD STYLE="text-align: left">(f)</TD><TD STYLE="text-align: justify">Such other provisions as the Board of Directors may from
time to time require.</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: -36pt">&nbsp;</P>

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>5.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Stock
Transfers and Record Dates</U>. </B>Transfers of shares of stock shall be made upon the books of the Corporation by the record
owner or by an attorney, lawfully constituted in writing, and upon surrender of any certificate therefor. The Board of Directors
may appoint suitable agents in Memphis, Tennessee, and elsewhere to facilitate transfers by shareholders under such regulations
as the Board of Directors may from time to time prescribe. The transfer books may be closed by the Board of Directors for such
period, not to exceed 40 days, as may be deemed advisable for dividend or other purposes, or in lieu of closing the books, the
Board of Directors may fix in advance a date as the record date for determining shareholders entitled notice of and to vote at
a meeting of shareholders, or entitled to payment of any dividend or other distribution. The record date for voting or taking other
action as shareholders shall not be less than 10 days nor more than 70 days prior to the meeting date or action requiring such
determination of shareholders. The record date for dividends and other distributions shall not be less than 10 days prior to the
payment date of the dividend or other distribution. All certificates surrendered to the Corporation for transfer shall be canceled,
and no new certificate shall be issued until the former certificate for like number of shares shall have been surrendered and canceled,
except that in case of a lost or destroyed certificate a new one may be issued on the terms prescribed by Section 5.5 of these
Bylaws.</P>

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

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

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

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

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

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

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

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

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

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

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

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

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

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 36pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">(b)</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">The officer reasonably believed: (i) in the case of conduct in the officer&rsquo;s official capacity as an officer of the Corporation that the officer&rsquo;s conduct was in the Corporation&rsquo;s best interest; and (ii) in all other cases that the officer&rsquo;s conduct was at least not opposed to its best interests; and</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">(c)</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">In the case of any criminal proceeding, the officer had no reasonable cause to believe his or her conduct was unlawful;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">provided, however, the Corporation may not indemnify an officer
in connection with a Proceeding by or in the right of the Corporation in which the officer was adjudged liable to the Corporation
or in connection with any other proceeding charging improper benefit to the officer, whether or not involving action in his or
her official capacity, in which the officer was adjudged liable on the basis that personal benefit was improperly received by the
officer.</P>

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 36pt">(a)</TD>
    <TD>By the Board of Directors by a majority vote of a quorum consisting of directors not at the time parties to the Proceeding;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>(b)</TD>
    <TD>If a quorum cannot be obtained, by majority vote of a committee duly designated by the Board of Directors (in which designation
    directors who are parties may participate) consisting solely of two or more directors not at the time parties to the Proceeding;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>(c)</TD>
    <TD>By independent special legal counsel: (i) selected by the Board of Directors or its committee in the manner prescribed
    in subsection (a) or (b); or (ii) if a quorum of the Board of Directors cannot be obtained under subsection (a) and a committee
    cannot be designated under subsection (b), selected by majority vote of the full Board of Directors (in which selection directors
    who are parties may participate); or, if a determination pursuant to subsections (a), (b), or (c) of this Section 6.3 cannot
    be obtained, then</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>(d)</TD>
    <TD>By the shareholders, but shares owned by or voted under the control of directors who are at the time parties to the Proceeding
    may not be voted on the determination.</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 36pt">(a)</TD>
    <TD>The officer furnishes to the Corporation a written affirmation of the officer&rsquo;s good faith belief that the officer
    has met the standard of conduct described in Section 6.2 herein;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>(b)</TD>
    <TD>The officer furnishes to the Corporation a written undertaking, executed personally or on behalf of the officer, to repay
    the advance if it is ultimately determined that the officer is not entitled to indemnification; and</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>(c)</TD>
    <TD>A determination is made that the facts then known to those making the determination would not preclude indemnification
    under this bylaw.</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 36pt">(a)</TD>
    <TD>Any director who shall attain the age of seventy-two (72) on or before the last day of the term for which he or she was
    elected shall not be nominated for re-election and shall be retired from the Board of Directors at the expiration of such
    term; provided, however, that the Board in the exercise of its discretion may increase the mandatory retirement age by three
    years to age seventy-five (75) for any director.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>(b)</TD>
    <TD>For the purpose of maintaining a board of active business and professional persons, directors leaving the principal position
    (other than by a promotion) held at their last election (by retirement or otherwise) will be expected to tender their resignation
    for consideration by the Board of Directors within three months following the Board&rsquo;s next regularly scheduled meeting.
    A resignation will be accepted unless the Board in its judgment determines that (i) the director has assumed another position
    in which he or she is actively engaged in directing, managing or providing professional services through or to a public, private,
    non-profit or educational organization or is maintaining sufficient involvement in other activities that would be important
    to ensure effective service as a Board member, including consideration of the sufficiency of financial, technological, operational,
    civic, corporate governance-related, governmental or educational activities and/or service as a director of one or more other
    public companies, (ii) the director is so engaged in a specific project for the Board as to make his or her resignation detrimental
    to the Corporation, or (iii) it is beneficial to the Board and in the best interests of the Corporation for the director to
    continue for such period of time as the Board deems appropriate, or to continue subject to the satisfaction of one or more
    conditions established by the Board.</TD></TR>
</TABLE>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Except as may be otherwise determined by the Board of Directors,
directors who are also officers of the Corporation or any of its affiliates will be retired from the Board of Directors on the
date of the annual meeting coincident with or next following the date of the director&rsquo;s retirement from or other discontinuation
of active service with the Corporation and its affiliates.</P>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>9.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Notice
of Meeting</U>. </B>A meeting of the Board of Directors may be called by any one director or by any one of the following officers:
Chief Executive Officer, President, the Chief Operating Officer, any Business </P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Segment President, any Business Segment Chief Operating
Officer, any Senior Executive Vice President, any Executive Vice President, Chief Credit Officer, Chief Financial Officer, Chief
Accounting Officer, General Counsel, Chief Risk Officer, Chief Human Resources Officer, Secretary, or any Executive Officer. Notice
of such meeting need be given only to those directors whom it is practical to reach by any means the person calling the meeting
deems feasible, including, but not limited to, by publication. (&ldquo;Publication&rdquo; includes, among other means: release
to the press; release to or dissemination through print, broadcast, cable, satellite, internet, or other media, including by paid
advertisement; posting on the Corporation&rsquo;s website; or posting on or other dissemination through any social media outlet
with which the Corporation has an account or relationship). Such notice shall be given at least two hours prior to commencement
of the meeting.</P>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>10.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Seal</U>.
</B>This Corporation shall have a Corporate Seal which shall consist of an imprint of the name of the Corporation, the state of
its incorporation, the year of incorporation and the words &ldquo;Corporate Seal.&rdquo; The </P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Corporate Seal shall not be required
to establish the validity or authenticity of any document executed in the name and on behalf of the Corporation.</P>

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

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

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>10.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Forum
for Adjudication of Disputes</U>. </B>Unless the Corporation consents in writing to the selection of an alternative forum, the
sole and exclusive forum for (i) any derivative action or proceeding brought in the right of the Corporation, (ii) any action asserting
a claim of breach of a fiduciary duty owed by any director or officer or other employee of the Corporation to the Corporation or
the Corporation&rsquo;s shareholders, (iii) any action asserting a claim against the Corporation or any director or officer or
other employee of the Corporation arising pursuant to any provision of the Tennessee Business Corporation Act or the Charter or
these Bylaws (in each case, as they may be amended from time to time), or (iv) any action asserting a claim against the Corporation
or any director or officer or other employee of the Corporation governed by the internal affairs doctrine shall be a state or federal
court located within Shelby County in the State of Tennessee.</P>

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