<SEC-DOCUMENT>0000930413-19-000189.txt : 20190129
<SEC-HEADER>0000930413-19-000189.hdr.sgml : 20190129
<ACCEPTANCE-DATETIME>20190129161531
ACCESSION NUMBER:		0000930413-19-000189
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20190128
ITEM INFORMATION:		Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers
ITEM INFORMATION:		Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20190129
DATE AS OF CHANGE:		20190129

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:		19548875

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

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

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

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FIRST TENNESSEE BANKS INC
		DATE OF NAME CHANGE:	19600201
</SEC-HEADER>
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<FILENAME>c92784_8k.htm
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<P STYLE="margin: 0; text-align: center; font: 11pt Times New Roman, Times, Serif"><B>UNITED STATES</B></P>

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

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

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

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


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

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

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

<P STYLE="margin: 0; text-align: center; font: 11pt Times New Roman, Times, Serif"><B>Pursuant to Section 13 or 15(d) of the Securities
Exchange Act of 1934</B></P>

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

<P STYLE="margin: 0; text-align: center; font: 11pt Times New Roman, Times, Serif">Date of report (Date of earliest event reported): January 28, 2019</P>

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

<P STYLE="margin: 0; text-align: center; font: 14pt Times New Roman, Times, Serif"><B>First Horizon National Corporation</B></P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 33%; text-align: center"><FONT STYLE="font: 11pt Times New Roman, Times, Serif"><B>TN</B></FONT></TD>
    <TD STYLE="width: 34%; text-align: center"><FONT STYLE="font: 11pt Times New Roman, Times, Serif"><B>001-15185</B></FONT></TD>
    <TD STYLE="width: 33%; text-align: center"><FONT STYLE="font: 11pt 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: 11pt Times New Roman, Times, Serif">(State or Other Jurisdiction</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font: 11pt Times New Roman, Times, Serif">(Commission File Number)</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font: 11pt Times New Roman, Times, Serif">(IRS Employer</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font: 11pt Times New Roman, Times, Serif">of Incorporation)</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font: 11pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font: 11pt Times New Roman, Times, Serif">Identification No.)</FONT></TD></TR>
</TABLE>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 18%"><FONT STYLE="font: 11pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="width: 44%; text-align: center"><FONT STYLE="font: 11pt Times New Roman, Times, Serif"><B>165 MADISON AVENUE </B></FONT></TD>
    <TD STYLE="width: 17%; text-align: center"><FONT STYLE="font: 11pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="width: 21%"><FONT STYLE="font: 11pt Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font: 11pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font: 11pt Times New Roman, Times, Serif"><B>MEMPHIS, TENNESSEE</B></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font: 11pt Times New Roman, Times, Serif"><B>38103</B></FONT></TD>
    <TD><FONT STYLE="font: 11pt Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font: 11pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font: 11pt Times New Roman, Times, Serif">(Address of Principal Executive Office)</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font: 11pt Times New Roman, Times, Serif">(Zip Code)</FONT></TD>
    <TD><FONT STYLE="font: 11pt Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
</TABLE>
<P STYLE="margin: 0"><FONT STYLE="font: 11pt Times New Roman, Times, Serif">&nbsp;</FONT></P>

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

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

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

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



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

<P STYLE="margin: 0; font: 11pt Times New Roman, Times, Serif">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<FONT STYLE="font: 11pt Times New Roman, Times, Serif">:</FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt"><FONT STYLE="font: 11pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Wingdings">o</FONT></FONT></TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font: 11pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Wingdings">o</FONT></FONT></TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font: 11pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Wingdings">o</FONT></FONT></TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font: 11pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Wingdings">o</FONT></FONT></TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</TD></TR>
</TABLE>

<P STYLE="margin: 0; font: 10pt Times New Roman, Times, Serif">&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="margin: 0; font: 10pt Times New Roman, Times, Serif">&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-family: 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 Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font: 10.5pt 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-family: Wingdings">o</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>ITEM 5.02.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Departure of Directors or Certain Officers; Election
of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers.</B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 18pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">(d)</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt"><U>Election of New Directors</U></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 18pt">(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On January 28, 2019, the Board of Directors (the &ldquo;Board&rdquo;)
of First Horizon National Corporation (&ldquo;FHNC&rdquo;) elected <FONT STYLE="color: black">Kenneth A. Burdick and Wendy P. Davidson
</FONT>to the Board, effective immediately. Mr. Burdick and Ms. Davidson also have been elected to the Board of Directors of First
Tennessee Bank National Association (the &ldquo;Bank&rdquo;). Each will stand for election to the Board of FHNC by the shareholders
at FHNC&rsquo;s 2019 annual meeting.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 54pt">Mr. Burdick, age 60, became the Chief Executive
Officer of WellCare Health Plans, Inc. in 2015. WellCare is a managed care company that focuses exclusively on providing government-sponsored
managed care services. He joined WellCare in 2014, serving initially as president, national health plans and then as president
and chief operating officer. Mr. Burdick served as the President and Chief Executive Officer of Blue Cross and Blue Shield of Minnesota,
in 2012. From 2010 to 2012, he served as Chief Executive Officer of the Medicaid and Behavioral Health businesses of Coventry Health
Care, Inc. From 1995 to 2009, Mr. Burdick held a variety of positions with UnitedHealth Group, Inc.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 54pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 54pt">Ms. Davidson, age 49, was named president, U.S.
Specialty Channels for Kellogg Company, a global food, cereal and snack company in 2013. She serves as a member of Kellogg&rsquo;s
global leadership team, North American leadership team, eighteen94 Venture Capital Fund and Global Strategy Councils. From 2010
to 2013, she held executive leadership roles at McCormick&nbsp;&amp; Company, Inc., including as Vice President, Custom Flavor Solutions,
U.S.&nbsp;&amp; Latin America, and from 1993 to 2009 she held a variety of executive positions at Tyson Foods, Inc., including Senior
Vice President and General Manager&mdash;Global Customer and Group Vice President&mdash; Foodservice Group, culminating in her
service as Senior Vice President and General Manager, Prepared Foods.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 54pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 18pt">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;There are no arrangements or understandings between Mr.
Burdick and any other person concerning his selection to be elected to the Board of FHNC or the Bank. Similarly, there are no arrangements
or understandings between Ms. Davidson and any other person concerning her selection to be elected to the Board of FHNC or the
Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 18pt">(3)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Based on its review and application of categorical standards,
FHNC&rsquo;s Board determined that each of Mr. Burdick and Ms. Davidson is independent under New York Stock Exchange listing standards.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 54pt">Mr. Burdick and Ms. Davidson have been appointed
to serve on the following committees of FHNC&rsquo;s Board of Directors, the Bank&rsquo;s Board of Directors, or both:</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 10pt Times New Roman, Times, Serif; width: 90%; border-collapse: collapse">
<TR STYLE="vertical-align: top; font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="width: 56%; border-bottom: black 2px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center"><FONT STYLE="font-size: 10pt"><B>Board Committee</B></FONT></TD>
    <TD STYLE="width: 3%; text-align: center; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 19%; border-bottom: black 2px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center"><FONT STYLE="font-size: 10pt"><B>Mr. Burdick</B></FONT></TD>
    <TD STYLE="width: 3%; text-align: center; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 19%; border-bottom: black 2px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center"><FONT STYLE="font-size: 10pt"><B>Ms. Davidson</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="background-color: #D9D9D9; text-align: center"><FONT STYLE="font-size: 10pt"><B>Audit (FHNC&nbsp;&amp; Bank)</B></FONT></TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="background-color: #D9D9D9; text-align: center"><FONT STYLE="font-size: 10pt">X</FONT></TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="background-color: #D9D9D9; text-align: center"><FONT STYLE="font-size: 10pt">X</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt"><B>Trust Audit (Bank only)</B></FONT></TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">X</FONT></TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">X</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="background-color: #D9D9D9; text-align: center"><FONT STYLE="font-size: 10pt"><B>Information Technology (FHNC&nbsp;&amp; Bank)</B></FONT></TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="background-color: #D9D9D9; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="background-color: #D9D9D9; text-align: center"><FONT STYLE="font-size: 10pt">X</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: black 2px solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>Compensation (FHNC&nbsp;&amp; Bank)</B></FONT></TD>
    <TD STYLE="border-bottom: black 2px solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: black 2px solid; text-align: center"><FONT STYLE="font-size: 10pt">X</FONT></TD>
    <TD STYLE="border-bottom: black 2px solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: black 2px solid; text-align: center">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 18pt">(4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;FHNC, the Bank and the subsidiaries of each, as applicable,
have entered into lending transactions and/or other banking or financial services transactions in the ordinary course of business
with FHNC&rsquo;s executive officers, directors, nominees, their immediate family members and affiliated entities, and the persons
of which FHNC is aware that beneficially own more than five percent of our common stock, and we expect to have such transactions
in the future. Such transactions were made in the ordinary course of business, were made on substantially the same terms, including
interest rates and collateral, as</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">those prevailing at the time for comparable transactions with persons
not related to FHNC, and did not involve more than the normal risk of collectability or present other unfavorable features.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 18pt">(5)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mr. Burdick and Ms. Davidson will be eligible to participate
in FHNC&rsquo;s active compensation plans and programs for non-employee directors. Additional information concerning FHNC&rsquo;s
plans and programs for non-employee directors is provided in the following previously-filed material, which is incorporated into
this item by reference: the &ldquo;Director Compensation&rdquo; section of FHNC&rsquo;s proxy statement for the 2018 annual meeting
of shareholders appearing on pages 80-84; sections of FHNC&rsquo;s Director Policy pertaining to compensation, filed as Exhibit
10.4 to FHNC&rsquo;s Quarterly Report on Form 10-Q for the period ended March 31, 2017; and a description of other compensation
and benefit arrangements for non-employee directors, filed as Exhibit 10.8(b) to FHNC&rsquo;s Quarterly Report on Form 10-Q for
the period ended September 30, 2009.</P>

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

<P STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>ITEM 5.03.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year</B></P>



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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">FHNC&rsquo;s Board of Directors amended FHNC&rsquo;s
Bylaws as discussed below. Each amendment took effect immediately upon its related action by the Board. The amended and restated
Bylaws are filed herewith as Exhibit 3.1.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 27pt">On January 28, 2019, the Board of Directors amended
Section 3.2 of FHNC&rsquo;s Bylaws. The amendment to Section 3.2 increased the size of FHNC&rsquo;s Board of Directors, from twelve
to fourteen persons, in order to accommodate the election of two additional directors as discussed in Item 5.02(d) above.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 27pt">On January 29, 2019, the Board of Directors amended
Section 3.6 (procedures for director nominations) and added a new Section 3.16 (shareholder nominations included in FHNC&rsquo;s
proxy materials) to FHNC&rsquo;s Bylaws, creating a new process for a shareholder to nominate a person for election to the Board
in advance of an annual meeting and for FHNC to include that nomination in its annual meeting proxy statement. The Board also amended
Section 2.8 (procedures for bringing business before a shareholder meeting) to accommodate amended Section 3.6 and new Section
3.16.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 27pt">The amendments to Section 3.6(a) added a third
process for nominating a person for election to FHNC&rsquo;s Board of Directors at an annual meeting of shareholders. Specifically,
beginning with the annual meeting to be held in 2020:</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 22.5pt">(a)</TD><TD>a shareholder or group of up to 20 shareholders</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 22.5pt">(b)</TD><TD>that has held at least 3% of FHNC&rsquo;s common stock</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 22.5pt">(c)</TD><TD>for at least three years</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 22.5pt">(d)</TD><TD>may nominate up to the greater of two directors or 20% of the Board and have those nominees appear in FHNC&rsquo;s proxy statement,</TD></TR></TABLE>

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

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">subject to the eligibility, notice, and other specific requirements
in new Section 3.16 of FHNC&rsquo;s Bylaws.</P>


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 27pt">In addition, the amendments
to Section 3.6(b) clarified that FHNC may require any proposed nominee (no matter how nominated) to furnish to FHNC information
needed to determine independence or needed to comply with applicable law. Other amendments technically conformed Section 3.6 to
the amendments discussed in this paragraph, or to the provisions of new Section 3.16.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 27pt">New Section 3.16 requires FHNC to include
in its annual meeting proxy statement (starting in 2020) a nomination for the Board of Directors, including various specified
disclosures, if the nomination is timely made by an eligible nominating shareholder (as defined in Section 3.16)
in conformity with the requirements of Section 3.16, using a nomination notice also in conformity with that Section. To
be eligible to become a nominating shareholder, a person: (1) must own of record at least 3% of FHNC&rsquo;s outstanding
common shares continuously for at least the three-year period preceding and including the submission date of the nomination
notice and for the additional period from the submission date through the annual meeting date; or (2) must timely provide to
FHNC&rsquo;s Secretary evidence of such ownership through intermediaries (such as brokerage firms), which evidence is
acceptable to FHNC as provided in Section 3.16. Certain</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">disclosures and representations to FHNC, and certain agreements
with FHNC, must be timely made in accordance with Section 3.16 in order for the nomination to be compliant and effective. Among
other things, Section 3.16 contains provisions relating to: the time periods during which a nomination notice and other key communications
will be considered timely; the minimum required contents that a nomination notice must have to be compliant with Section 3.16,
including certain disclosures, representations, and agreements; required and permitted supplemental disclosures to FHNC, some or
all of which may be included in the proxy statement; limits on the number of nominations permitted in various circumstances, both
per nominating shareholder and in total among all nominating shareholders; the ability of two or more shareholders to make
a nomination as a group; the definition of &ldquo;owns&rdquo; and other key terms; and, a recitation of circumstances, in addition
to non-compliance with Section 3.6 and 3.16, under which FHNC may reject a nomination and/or omit the nomination from its proxy
statement. Section 3.16 refers to several disclosure rules of the Securities and Exchange Commission, including Rule 14a-9 and
Schedule 14N, which should be read in conjunction with Bylaw Sections 3.6 and 3.16.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 27pt">The amendments to Section 2.8 clarify that it
does not govern director nominations, which are governed by Sections 3.6 and 3.16.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 27pt">On January 29, 2019, the Board of Directors amended
Section 2.9 of FHNC&rsquo;s Bylaws, adding &ldquo;SEC&rdquo; as a defined term in reference to the Securities and Exchange Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&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: 72pt"><FONT STYLE="font-size: 10pt"><B>ITEM 9.01.</B></FONT></TD>
    <TD><FONT STYLE="font-size: 10pt"><B>Financial Statements and Exhibits</B></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&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: 54pt"><FONT STYLE="font-size: 10pt"><U>Exhibit #</U></FONT></TD>
    <TD><FONT STYLE="font-size: 10pt"><U>Description</U></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 63.35pt; text-indent: -63.35pt">&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: 54pt"><FONT STYLE="font-size: 10pt">3.1</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt"><A HREF="c92784_ex3-1.htm">Bylaws of First Horizon National Corporation, as amended and restated January 29, 2019</A></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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

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

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt"><B>First Horizon National Corporation</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">(Registrant)</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%">&nbsp;</TD>
    <TD STYLE="width: 10%">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 35%">&nbsp;</TD>
    <TD STYLE="width: 33%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">Date: January 29, 2019</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">By:&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1px solid"><FONT STYLE="font-size: 10pt">/s/ Clyde A. Billings, Jr.</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt"><I>Senior Vice President, Assistant</I></FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt"><I>General Counsel, and Corporate Secretary</I></FONT></TD>
    <TD>&nbsp;</TD></TR>
</TABLE>

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<TYPE>EX-3.1
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right"><B>EXHIBIT 3.1</B></P>

<P STYLE="font: 10pt 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>BYLAWS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>(As Amended and Restated Effective January
29, 2019)</B></P>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 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 Board and shall
be called by the Chairman of the</P>


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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 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 (other than nomination of a director, which is governed by Sections
3.6 and 3.16) 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. The nomination of a director
at an annual or special meeting shall be governed by Sections 3.6 and 3.16. Beneficial ownership for the purpose of this Section
2.8 shall be determined in accordance with Section 3.16(c)(iv).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-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 (&ldquo;SEC&rdquo;). For such proposals to be acted upon at a meeting,
however, compliance with the notice provisions of Section 2.8 is also required.</P>


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

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

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

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

<P STYLE="font: 10pt Courier 10cpi; margin: 0; text-indent: 0.5in">&nbsp;</P>

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Courier 10cpi; 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">authorize distributions (which include dividend declarations), except according to a formula or method prescribed by the Board of Directors,</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">(b)</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">fill vacancies on the Board of Directors or on any of its committees,</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">adopt, amend or repeal bylaws,</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">(d)</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">authorize or approve the reacquisition of shares, except according to a formula or method prescribed by the Board of Directors, or</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">(e)</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">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.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><B>3.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Procedures for Director Nominations</U>.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except as provided in Section 3.7 with
respect to vacancies on the Board of Directors, only persons nominated in accordance with this Section 3.6 shall be eligible for
election as directors. Nominations of persons for election to the Board of Directors may be made (i) at any meeting of shareholders
by or at the direction of the Board of Directors, (ii) at any meeting of shareholders by any shareholder of the Corporation entitled
to vote for the election of directors at such meeting who complies with the procedures set forth in this Section 3.6, or (iii)
commencing with the annual meeting of shareholders to be held in 2020, at an annual meeting of shareholders by</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">any Nominating Shareholder (as defined in Section 3.16 of these
Bylaws) who satisfies the requirements set forth in Section 3.16 of these Bylaws.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For nominations to be properly brought
before a meeting by a shareholder pursuant to clause (ii) of Section 3.6(a) above, the shareholder must give 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. In addition, such shareholder&rsquo;s notice to the Secretary shall set forth (i) as
to each person whom the shareholder proposes to nominate for election or reelection as a director (a) the name, age, business address
and residence address of such person, (b) the principal occupation or employment of such person, (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. The Corporation may require any proposed director nominee to furnish such other information as it may reasonably require
to determine the eligibility of such proposed nominee to serve as an independent director of the Corporation and to comply with
applicable law. Beneficial ownership for purposes of this Section 3.6 shall be determined in accordance with Section 3.16(c)(iv).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except as provided in Section 3.7 with
respect to vacancies on the Board of Directors, no person shall be eligible for election as a director of the Corporation unless
nominated in accordance with this Section 3.6 or, commencing with the annual meeting of shareholders to be held in 2020, Section
3.16. 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: 0">&nbsp;</P>

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

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

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


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

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

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Courier 10cpi; 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">(i)</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">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.</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">(ii)</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">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</FONT></TD></TR>
</TABLE>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Courier 10cpi; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">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.</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">(iii)</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">A signed written consent on any physical medium may be delivered by any physical means.</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">(iv)</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">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.</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">(v)</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">If a written consent is signed electronically, delivery to the Corporation may be accomplished by any electronic transmission, subject to paragraph (vi). For example, the transmission by a director to an Authorized Recipient of an email which refers to a written consent document previously delivered to the director, which indicates his or her vote(s) or recusal, and which includes an electronic signature would be an acceptable means of delivery.</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">(vi)</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">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.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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

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

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

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

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


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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><B>3.16&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Shareholder Nominations
Included in the Corporation&rsquo;s Proxy Materials.</U></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 8pt; text-indent: 36pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Inclusion of Nominees in
Proxy Statement</U>. Subject to the provisions of this Section 3.16, if expressly requested in the relevant Nomination Notice (as
defined below), the Corporation shall include in its proxy statement for any annual meeting of shareholders:</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Courier 10cpi; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 36pt; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(i)</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">the names of any person or persons nominated for election (each, a &ldquo;Nominee&rdquo;), which shall also be included on the Corporation&rsquo;s form of proxy and ballot, by any Eligible Holder (as defined below) or group of up to 20 Eligible Holders that has (individually and collectively, in the case of a group) satisfied, as determined by the Board of Directors, all applicable conditions and complied with all applicable procedures set forth in this Section (such Eligible Holder or group of Eligible Holders being a &ldquo;Nominating Shareholder&rdquo;);</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(ii)</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">disclosure about each Nominee and the Nominating Shareholder required under the rules of the SEC or other applicable law to be included in the proxy statement;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(iii)</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">any statement included by the Nominating Shareholder in the Nomination Notice for inclusion in the proxy statement in support of each Nominee&rsquo;s election to the Board of Directors (subject, without limitation, to Section 3.16(e)(ii)), if such statement does not exceed 500 words and fully complies with Section 14 of the Securities Exchange Act of 1934 and the rules and regulations thereunder, including Rule 14a-9 (the &ldquo;Supporting Statement&rdquo;); and</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(iv)</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">any other information that the Corporation or the Board of Directors determines, in their discretion, to include in the proxy statement relating to the nomination of each Nominee, including, without limitation, any statement in opposition to the nomination, any of the information provided pursuant to this Section and any solicitation materials or related information with respect to a Nominee.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">For purposes of this Section 3.16, any determination to be made by the Board of Directors may be made by the Board of Directors, a committee of the Board of Directors or any officer of the Corporation designated by the Board of Directors or a committee of the Board of Directors.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 8pt; text-indent: 36pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Maximum Number of Nominees</U>.</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Courier 10cpi; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 36pt; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(i)</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">The Corporation shall not be required to include in the proxy statement for an annual meeting of shareholders more Nominees than that number of directors constituting the greater of (i) two or (ii) 20% of the total number of directors of the Corporation on the last day on which a Nomination Notice may be submitted pursuant to this Section (rounded down to the nearest whole number) (the &ldquo;Maximum Number&rdquo;). The Maximum</FONT></TD></TR>
</TABLE>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Courier 10cpi; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 36pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Number for a particular annual meeting shall be reduced by: (1) Nominees who the Board of Directors itself decides to nominate for election at such annual meeting; (2) Nominees who, after becoming a Nominee, cease to satisfy, or Nominees of Nominating Shareholders that, after becoming Nominating Shareholders, cease to satisfy, the eligibility requirements in this Section 3.16, as determined by the Board of Directors; (3) Nominees whose nomination is withdrawn by the Nominating Shareholder or who become unwilling to serve on the Board of Directors; and (4) the number of incumbent directors who had been Nominees with respect to any of the preceding two annual meetings of shareholders and whose reelection at the upcoming annual meeting is being recommended by the Board of Directors. In the event that one or more vacancies for any reason occurs on the Board of Directors after the deadline for submitting a Nomination Notice as set forth in Section 3.16(d) but before the date of the annual meeting, and the Board of Directors resolves to reduce the size of the Board in connection therewith, the Maximum Number shall be calculated based on the number of directors in office as so reduced.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(ii)</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">If the number of Nominees pursuant to this Section for any annual meeting of shareholders exceeds the Maximum Number then, promptly upon notice from the Corporation, each Nominating Shareholder will select one Nominee for inclusion in the proxy statement until the Maximum Number is reached, going in order of the amount (largest to smallest) of the ownership position as disclosed in each Nominating Shareholder&rsquo;s Nomination Notice, with the process repeated if the Maximum Number is not reached after each Nominating Shareholder has selected one Nominee. If, after the deadline for submitting a Nomination Notice as set forth in Section 3.16(d), a Nominating Shareholder or a Nominee ceases to satisfy the eligibility requirements in this Section&nbsp;&nbsp;3.16, as determined by the Board of Directors, a Nominating Shareholder withdraws its nomination or a Nominee becomes unwilling to serve on the Board of Directors, whether before or after the mailing or other distribution of the definitive proxy statement, then the nomination shall be disregarded, and the Corporation: (1) shall not be required to include in its proxy statement or on any ballot or form of proxy the disregarded Nominee or any successor or replacement nominee proposed by the Nominating Shareholder or by any other Nominating Shareholder and (2) may otherwise communicate to its shareholders, including without limitation by amending or supplementing its proxy statement or ballot or form of proxy, that a Nominee will not be included as a nominee in the proxy statement or on any ballot or form of proxy and will not be voted on at the annual meeting.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-indent: 36pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Eligibility of Nominating
Shareholder</U>.</P>

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

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    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 36pt; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(i)</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">An &ldquo;Eligible Holder&rdquo; is a person who has either (1) been a record holder of the shares of common stock used to satisfy the eligibility requirements in this Section 3.16(c) continuously for the three-year period specified in Subsection (ii) below or (2) provides to the Secretary of the Corporation, within the time period referred to in Section 3.16(d), evidence of continuous ownership of such shares for such three-year period from one or more securities intermediaries in a form that the Board of Directors determines would be deemed acceptable for purposes of a shareholder proposal under Rule 14a-8(b)(2) under the Securities Exchange Act of 1934 (or any successor rule).</FONT></TD></TR>
</TABLE>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Courier 10cpi; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 36pt; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(ii)</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">An Eligible Holder or group of up to 20 Eligible Holders may submit a nomination in accordance with this Section only if the person or group (in the aggregate) has continuously owned at least the Minimum Number (as defined below) of shares of the Corporation&rsquo;s common stock throughout the three-year period preceding and including the date of submission of the Nomination Notice, and continues to own at least the Minimum Number through the date of the annual meeting. Two or more funds that are (x) under common management and investment control, (y) under common management and funded primarily by a single employer or (z) a &ldquo;group of investment companies,&rdquo; as such term is defined in Section 12(d)(1)(G)(ii) of the Investment Company Act of 1940, as amended, shall be treated as one Eligible Holder if such Eligible Holder shall provide together with the Nomination Notice documentation reasonably satisfactory to the Corporation that demonstrates that the funds meet the criteria set forth in (x), (y) or (z) hereof. For the avoidance of doubt, in the event of a nomination by a group of Eligible Holders, any and all requirements and obligations for an individual Eligible Holder that are set forth in this Section 3.16, including the minimum holding period, shall apply to each member of such group; provided, however, that the Minimum Number shall apply to the ownership of the group in the aggregate. Should any shareholder cease to satisfy the eligibility requirements in this Section 3.16, as determined by the Board of Directors, or withdraw from a group of Eligible Holders at any time prior to the annual meeting of shareholders, the group of Eligible Shareholders shall only be deemed to own the shares held by the remaining members of the group.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(iii)</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">The &ldquo;Minimum Number&rdquo; of shares of the Corporation&rsquo;s common stock means 3% of the number of outstanding shares of common stock as of the most recent date for which such amount is given in any filing by the Corporation with the SEC prior to the submission of the Nomination Notice.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(iv)</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">For purposes of this Section 3.16, an Eligible Holder &ldquo;owns&rdquo; only those outstanding shares of the Corporation as to which the Eligible Holder possesses both:</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Courier 10cpi; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 72pt">&nbsp;</TD>
    <TD STYLE="width: 36pt; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(A)</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">the full voting and investment rights pertaining to the shares; and</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(B)</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">the full economic interest in (including the opportunity for profit and risk of loss on) such shares;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Courier 10cpi; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 36pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">provided that the number of shares calculated in accordance with clauses (A) and (B) shall not include any shares: (1) purchased or sold by such Eligible Holder or any of its affiliates in any transaction that has not been settled or closed, (2) sold short by such Eligible Holder, (3) borrowed by such Eligible Holder or any of its affiliates for any purpose or purchased by such Eligible Holder or any of its affiliates pursuant to an agreement to resell or subject to any other obligation to resell to another person, or (4) subject to any option, warrant, forward contract, swap, contract of sale, other derivative or similar agreement entered into by such Eligible Holder or any of its affiliates, whether any such instrument or agreement is to be settled with shares or with cash based on the notional amount or value of outstanding shares of the Corporation, in any such case which instrument or agreement has, or is intended to have, the purpose or effect of: (x) reducing in any manner, to any extent or at any time in the future, such Eligible Holder&rsquo;s or any of its affiliates&rsquo; full right to vote or direct the voting of any such shares, and/or (y)</FONT></TD></TR>
</TABLE>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Courier 10cpi; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 36pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">hedging, offsetting, or altering to any degree, gain or loss arising from the full economic ownership of such shares by such Eligible Holder or any of its affiliates.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">An Eligible Holder &ldquo;owns&rdquo; shares held in the name of a nominee or other intermediary so long as the Eligible Holder retains the right to instruct how the shares are voted with respect to the election of directors and possesses the full economic interest in the shares. An Eligible Holder&rsquo;s ownership of shares shall be deemed to continue during any period in which the Eligible Holder has delegated any voting power by means of a proxy, power of attorney, or other similar instrument or arrangement that is revocable at any time by the Eligible Holder. An Eligible Holder&rsquo;s ownership of shares shall be deemed to continue during any period in which the Eligible Holder has loaned such shares, provided that the Eligible Holder has the power to recall such loaned shares on five business days&rsquo; notice and continues to hold such shares through the date of the annual meeting. The terms &ldquo;owned,&rdquo; &ldquo;owning&rdquo; and other variations of the word &ldquo;own&rdquo; shall have correlative meanings. Whether outstanding shares of the Corporation are &ldquo;owned&rdquo; for these purposes shall be determined by the Board.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(v)</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">No Eligible Holder shall be permitted to be in more than one group constituting a Nominating Shareholder, and if any Eligible Holder appears as a member of more than one group, it shall be deemed to be a member of the group that has the largest ownership position as reflected in the Nomination Notice.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-indent: 36pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Nomination Notice</U>. To
nominate a Nominee, the Nominating Shareholder must, no earlier than 150 calendar days and no later than 120 calendar days before
the anniversary of the date that the Corporation mailed its proxy statement for the prior year&rsquo;s annual meeting of shareholders,
submit to the Secretary of the Corporation at the principal executive office of the Corporation all of the following information
and documents (collectively, the &ldquo;Nomination Notice&rdquo;); provided, however, that if (and only if) the annual meeting
is not scheduled to be held within a period that commences 30 days before the first anniversary date of the preceding year&rsquo;s
annual meeting and ends 30 days after the first anniversary date of the preceding year&rsquo;s annual meeting (an annual meeting
date outside such period being referred to herein as an &ldquo;Other Meeting Date&rdquo;), the Nomination Notice shall be given
in the manner provided herein by the later of the close of business on the date that is 180 days prior to such Other Meeting Date
or the tenth day following the date such Other Meeting Date is first publicly announced or disclosed:</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Courier 10cpi; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 36pt; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(i)</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">A Schedule 14N (or any successor form) relating to each Nominee, completed and filed with the SEC by the Nominating Shareholder as applicable, in accordance with SEC rules;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(ii)</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">A written notice, in a form deemed satisfactory by the Board of Directors, of the nomination of each Nominee that includes the following additional information, agreements, representations and warranties by the Nominating Shareholder (including each group member):</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Courier 10cpi; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 72pt">&nbsp;</TD>
    <TD STYLE="width: 36pt; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(A)</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">the information required with respect to the nomination of directors pursuant to Section 3.6 of these Bylaws;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(B)</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">the details of any relationship that existed within the past three years and that would have been described pursuant to Item 6(e) of Schedule 14N (or any successor item) if it existed on the date of submission of the Schedule 14N;</FONT></TD></TR>
</TABLE>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 72pt">&nbsp;</TD>
    <TD STYLE="width: 36pt; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(C)</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">a representation and warranty that the Nominating Shareholder acquired the securities of the Corporation in the ordinary course of business and did not acquire, and is not holding, securities of the Corporation for the purpose or with the effect of influencing or changing control of the Corporation;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(D)</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">a representation and warranty that each Nominee&rsquo;s candidacy or, if elected, Board membership would not violate applicable state or federal law or the rules of any stock exchange on which the Corporation&rsquo;s securities are traded;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(E)</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">a representation and warranty that each Nominee:</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Courier 10cpi">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 108pt">&nbsp;</TD>
    <TD STYLE="width: 36pt; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(1)</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">does not have any direct or indirect relationship with the Corporation other than those that have been deemed categorically immaterial under the Corporation&rsquo;s Categorical Standards as most recently published on its website and otherwise qualifies as independent under the rules of the primary stock exchange on which the Corporation&rsquo;s shares of common stock are traded;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(2)</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">meets the audit committee and compensation committee independence requirements under the rules of the primary stock exchange on which the Corporation&rsquo;s shares of common stock are traded;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(3)</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">qualifies as independent under the Federal Reserve regulations implementing Section 165(h) of the Dodd Frank Act (12 CFR Sec. 252.22(d));</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(4)</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">is a &ldquo;non-employee director&rdquo; for the purposes of Rule 16b-3 under the Securities Exchange Act of 1934 (or any successor rule); and</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(5)</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">is not and has not been subject to any event specified in Rule 506(d)(1) of Regulation D (or any successor rule) under the Securities Act of 1933 or Item 401(f) of Regulation S-K (or any successor rule) under the Securities Exchange Act of 1934, without reference to whether the event is material to an evaluation of the ability or integrity of such Nominee;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Courier 10cpi">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 72pt">&nbsp;</TD>
    <TD STYLE="width: 36pt; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(F)</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">a representation and warranty that the Nominating Shareholder satisfies the eligibility requirements set forth in Section 3.16(c) and has provided evidence of ownership to the extent required by Section 3.16(c)(i);</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(G)</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">a representation and warranty that the Nominating Shareholder intends to continue to satisfy the eligibility requirements described in Section 3.16(c) through the date of the annual meeting and a statement regarding the Nominating Shareholder&rsquo;s intent with respect to continued ownership of the Minimum Number of shares for at least one year following the annual meeting;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(H)</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">details of any position of a Nominee as an officer or director of any competitor (that is, any entity that produces products or provides services that compete with or are alternatives to the products produced or services provided by the Corporation or its affiliates) of the Corporation, within the three years preceding the submission of the Nomination Notice;</FONT></TD></TR>
</TABLE>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 72pt">&nbsp;</TD>
    <TD STYLE="width: 36pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(I)</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">a representation and warranty that the Nominating Shareholder will not engage in a &ldquo;solicitation&rdquo; within the meaning of Rule 14a-1(l) under the Securities Exchange Act of 1934 (without reference to the exception in Section 14a-1(l)(2)(iv)) (or any successor rules) with respect to the annual meeting, other than with respect to a Nominee or any nominee of the Board;</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: 10pt Times New Roman, Times, Serif">(J)</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">a representation and warranty that the Nominating Shareholder will not use any proxy card other than the Corporation&rsquo;s proxy card in soliciting shareholders in connection with the election of a Nominee at the annual meeting;</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: 10pt Times New Roman, Times, Serif">(K)</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">if desired, a Supporting Statement; 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: 10pt Times New Roman, Times, Serif">(L)</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">in the case of a nomination by a group, the designation by all group members of one group member that is authorized to act on behalf of all group members with respect to matters relating to the nomination, including withdrawal of the nomination;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0">&nbsp;</P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 36pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(iii)</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">An executed agreement, in a form deemed satisfactory by the Board of Directors, pursuant to which the Nominating Shareholder (including each group member) agrees:</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0">&nbsp;</P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 72pt">&nbsp;</TD>
    <TD STYLE="width: 36pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(A)</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">to comply with all applicable laws, rules and regulations in connection with the nomination, solicitation and election;</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: 10pt Times New Roman, Times, Serif">(B)</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">to file any written solicitation with the Corporation&rsquo;s shareholders relating to one or more of the Corporation&rsquo;s directors or director nominees or any Nominee with the Securities and Exchange Commission, regardless of whether any such filing is required under rule or regulation or whether any exemption from filing is available for such materials under any rule or regulation;</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: 10pt Times New Roman, Times, Serif">(C)</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">to assume all liability stemming from an action, suit or proceeding concerning any actual or alleged legal or regulatory violation arising out of any communication by the Nominating Shareholder or any of its Nominees with the Corporation, its shareholders or any other person in connection with the nomination or election of directors, including, without limitation, the Nomination Notice;</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: 10pt Times New Roman, Times, Serif">(D)</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">to indemnify and hold harmless (jointly with all other group members, in the case of a group member) the Corporation and each of its directors, officers and employees individually against any liability, loss, damages, expenses or other costs (including attorneys&rsquo; fees) incurred in connection with any threatened or pending action, suit or proceeding, whether legal, administrative or investigative, against the Corporation or any of its directors, officers or employees arising out of or relating to a failure or alleged failure of the Nominating Shareholder or any of its Nominees to comply with, or any breach or alleged breach of, its or their obligations, agreements or representations under this Section 3.16;</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: 10pt Times New Roman, Times, Serif">(E)</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">in the event that any information included in the Nomination Notice, or any other communication by the Nominating Shareholder (including with respect to any group member), with the Corporation, its shareholders or any other person in connection with the nomination or election ceases to be true and accurate in all material respects (or omits a material fact necessary to make the statements made</FONT></TD></TR>
</TABLE>

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    <TD STYLE="width: 72pt">&nbsp;</TD>
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">not misleading), or that the Nominating Shareholder (including any group member) has failed to continue to satisfy the eligibility requirements described in Section 3.16(c), to promptly (and in any event within 48 hours of discovering such misstatement, omission or failure) notify the Corporation and any other recipient of such communication of (A) the misstatement or omission in such previously provided information and of the information that is required to correct the misstatement or omission or (B) such failure; and</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0">&nbsp;</P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 36pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(iv)</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">An executed agreement, in a form deemed satisfactory by the Board of Directors, by each Nominee:</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Courier 10cpi; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 72pt">&nbsp;</TD>
    <TD STYLE="width: 36pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(A)</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">to provide to the Corporation such other information and certifications, including completion of the Corporation&rsquo;s director questionnaires, as it may reasonably request;</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: 10pt Times New Roman, Times, Serif">(B)</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">at the reasonable request of the Nominating&nbsp;&amp; Corporate Governance Committee, to meet with the Nominating&nbsp;&amp; Corporate Governance Committee to discuss matters relating to the nomination of such Nominee to the Board of Directors, including the information provided by such Nominee to the Corporation in connection with his or her nomination and such Nominee&rsquo;s eligibility to serve as a member of the Board of Directors;</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: 10pt Times New Roman, Times, Serif">(C)</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">that such Nominee has read and agrees, if elected, to serve as a member of the Board of Directors, to adhere to the Corporation&rsquo;s Corporate Governance Guidelines, Code of Business Conduct and Ethics, Procedures for the Approval, Monitoring and Ratification of Related Party Transactions, and any other Corporation policies and guidelines applicable to directors; 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: 10pt Times New Roman, Times, Serif">(D)</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">that such Nominee is not and will not become a party to (i) any compensatory, payment or other financial agreement, arrangement or understanding with any person or entity in connection with his or her nomination, service or action as a director of the Corporation that has not been disclosed to the Corporation, (ii) any agreement, arrangement or understanding with any person or entity as to how such Nominee would vote or act on any issue or question as a director (a &ldquo;Voting Commitment&rdquo;) that has not been disclosed to the Corporation or (iii) any Voting Commitment that could limit or interfere with such Nominee&rsquo;s ability to comply, if elected as a director of the Corporation, with its fiduciary duties under applicable law.</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>&nbsp;</TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">The information and documents required by this Section 3.16(d) to be provided by the Nominating Shareholder shall be: (i) provided with respect to and executed by each group member, in the case of information applicable to group members; and (ii) provided with respect to the persons specified in Instruction 1 to Items 6(c) and (d) of Schedule 14N (or any successor item) in the case of a Nominating Shareholder or group member that is an entity. The Nomination Notice shall be deemed submitted on the date on which all the information and documents referred to in this Section (d) (other than such information and documents contemplated to be provided after the date the Nomination Notice is provided) have been delivered to or, if sent by mail, received by the Secretary of the Corporation.</FONT></TD></TR>
</TABLE>

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<P STYLE="margin-top: 0pt; margin-bottom: 0pt; text-indent: 0"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Exceptions</U>.</FONT></P>


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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Courier 10cpi; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 36pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(i)</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Notwithstanding anything to the contrary contained in this Section 3.16, the Corporation may omit from its proxy statement any Nominee and any information concerning such Nominee (including a Nominating Shareholder&rsquo;s Supporting Statement) and no vote on such Nominee will occur (notwithstanding that proxies in respect of such vote may have been received by the Corporation), and the Nominating Shareholder may not, after the last day on which a Nomination Notice would be timely, cure in any way any defect preventing the nomination of such Nominee, if:</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Courier 10cpi; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 72pt">&nbsp;</TD>
    <TD STYLE="width: 36pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(A)</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">the Corporation receives a notice pursuant to Section 3.6 of these Bylaws that a shareholder intends to nominate a candidate for director at the annual meeting, whether or not such notice is subsequently withdrawn or made the subject of a settlement with the Corporation;</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: 10pt Times New Roman, Times, Serif">(B)</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">the Nominating Shareholder or the designated lead group member, as applicable, or any qualified representative thereof, does not appear at the meeting of shareholders to present the nomination submitted pursuant to this Section 3.16, the Nominating Shareholder withdraws its nomination or the Chairman of the annual meeting declares that such nomination was not made in accordance with the procedures prescribed by this Section 3.16 and shall therefore be disregarded;</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: 10pt Times New Roman, Times, Serif">(C)</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">the Board of Directors determines that such Nominee&rsquo;s nomination or election to the Board of Directors would result in the Corporation violating or failing to be in compliance with the Corporation&rsquo;s Bylaws or Charter (as amended and/or restated from time to time) or any applicable law, rule or regulation to which the Corporation is subject, including any rules or regulations of the primary stock exchange on which the Corporation&rsquo;s common stock is traded;</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: 10pt Times New Roman, Times, Serif">(D)</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">such Nominee was nominated for election to the Board of Directors pursuant to this Section 3.16 at&nbsp;&nbsp;one&nbsp;&nbsp;of&nbsp;&nbsp;the&nbsp;&nbsp;Corporation&rsquo;s&nbsp;&nbsp;two&nbsp;&nbsp;preceding&nbsp;&nbsp;annual&nbsp;&nbsp;meetings&nbsp;&nbsp;of shareholders and either withdrew or became ineligible or received a vote of less than 25% of the votes cast;</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: 10pt Times New Roman, Times, Serif">(E)</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">such Nominee has been, within the past three years, an officer or director of a competitor, as defined for purposes of Section 8 of the Clayton Antitrust Act of 1914,&nbsp;&nbsp;as amended; or a management official of an unaffiliated depository institution or depository institution holding company, as defined for purposes of the Depository Institutions Management Interlocks Act, as amended;</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: 10pt Times New Roman, Times, Serif">(F)</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">the Corporation is notified, or the Board of Directors determines, that the Nominating Shareholder or the Nominee has failed to continue to satisfy the eligibility requirements described in Section 3.16(c), any of the representations and warranties made in the Nomination Notice ceases to be true and accurate in all material respects (or omits a material fact necessary to make the statements made not misleading), such Nominee becomes unwilling or unable to serve on the Board of Directors or any material violation or breach occurs of the obligations, agreements, representations or warranties of the Nominating Shareholder or such Nominee under this Section 3.16;</FONT></TD></TR>
</TABLE>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 36pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(ii)</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Notwithstanding anything to the contrary contained in this Section 3.16, the Corporation may omit from its proxy statement, or may supplement or correct, any information, including all or any portion of the Supporting Statement or any other statement in support of a Nominee included in the Nomination Notice, if the Board of Directors determines that:</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Courier 10cpi; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 72pt">&nbsp;</TD>
    <TD STYLE="width: 36pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(A)</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">such information is not true in all material respects or omits a material statement necessary to make the statements made not misleading;</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: 10pt Times New Roman, Times, Serif">(B)</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">such information directly or indirectly impugns the character, integrity or personal reputation of, or directly or indirectly makes charges concerning improper, illegal or immoral conduct or associations, without factual foundation, with respect to, any person; or</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: 10pt Times New Roman, Times, Serif">(C)</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">the inclusion of such information in the proxy statement would otherwise violate the SEC proxy rules or any other applicable law, rule or regulation.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 8pt 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 8pt 72pt">The Corporation may solicit against, and include
in the proxy statement its own statement relating to, any Nominee.</P>

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

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

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

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

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

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


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

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

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

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

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

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

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

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


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

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

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

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

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

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

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

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

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

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

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


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

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

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

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

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

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

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


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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 36pt; font: 10pt Times New Roman, Times, Serif">(a)</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">A statement that the Corporation is organized under the laws of the State of Tennessee;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">(b)</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">The name of the Corporation;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">(c)</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">The name of the person to whom issued;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">(d)</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">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; font: 10pt Times New Roman, Times, Serif">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">(e)</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">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; font: 10pt Times New Roman, Times, Serif">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">(f)</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Such other provisions as the Board of Directors may from time to time require.</TD></TR>
</TABLE>
<P STYLE="margin: 0; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

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

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

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

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

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


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

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

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

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

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

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

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

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

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

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 36pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 36pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">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; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">(d)</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">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="margin: 0; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

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

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

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

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

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

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

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

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

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

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


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

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 36pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 36pt; font: 10pt Times New Roman, Times, Serif">(a)</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">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 each year the Board in the exercise of its discretion may waive this age
    limit for any director for an additional term if it determines such waiver to be beneficial to the Board and in the best interests
    of the Corporation.</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">(b)</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">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>
<P STYLE="margin: 0; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

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

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

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

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

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

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


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

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

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

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

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

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

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

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

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

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


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

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

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

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

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

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

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

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

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

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

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

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


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    <!-- Field: /Page -->

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

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

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