<SEC-DOCUMENT>0000930413-20-001492.txt : 20200526
<SEC-HEADER>0000930413-20-001492.hdr.sgml : 20200526
<ACCEPTANCE-DATETIME>20200526161617
ACCESSION NUMBER:		0000930413-20-001492
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		19
CONFORMED PERIOD OF REPORT:	20200526
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20200526
DATE AS OF CHANGE:		20200526

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:		20910671

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

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

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

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FIRST TENNESSEE BANKS INC
		DATE OF NAME CHANGE:	19600201
</SEC-HEADER>
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<p style="font: 11pt Times New Roman, Times, Serif; margin: 0; text-align: center"><b>UNITED STATES</b><br/>
<b>SECURITIES AND EXCHANGE COMMISSION </b></p>

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

<p style="font: 11pt Times New Roman, Times, Serif; margin: 0; text-align: center">&#160;</p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&#160;</p>


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<p style="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center">&#160;</p>

<p style="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><b>CURRENT REPORT</b></p>

<p style="font: 11pt Times New Roman, Times, Serif; margin: 0; text-align: center">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><b>Pursuant to Section 13 or 15(d) of the Securities
Exchange Act of 1934</b></p>

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<b><ix:nonNumeric contextRef="c0" format="ixt:datemonthdayyearen" name="dei:DocumentPeriodEndDate">May 26, 2020</ix:nonNumeric> </b></p>

<p style="font: 11pt Times New Roman, Times, Serif; margin: 0; text-align: center">&#160;</p>

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<p style="font: 11pt 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; text-align: center">(Exact Name of Registrant as Specified in Charter)</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&#160;</p>

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

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<tr style="vertical-align: top"> <td style="padding-right: 3pt; padding-left: 3pt; text-align: center">(State or Other Jurisdiction of Incorporation)</td> <td style="padding-right: 3pt; padding-left: 3pt; text-align: center">(Commission File Number)</td> <td style="padding-right: 3pt; padding-left: 3pt; text-align: center">(IRS Employer Identification No.)</td></tr>
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<p style="font: 11pt 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; text-align: center">(Address of Principal Executive Office) (Zip
Code)</p>

<p style="font: 11pt Times New Roman, Times, Serif; margin: 0; text-align: center"><b>&#160;</b></p>

<p style="font: 11pt Times New Roman, Times, Serif; margin: 0; text-align: center"><b>(<ix:nonNumeric contextRef="c0" name="dei:CityAreaCode">901</ix:nonNumeric>) <ix:nonNumeric contextRef="c0" name="dei:LocalPhoneNumber">523-4444</ix:nonNumeric></b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Registrant&#8217;s telephone number, including
area code</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Former name or former address, if changed from
last report)</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">Check the appropriate box below if the Form 8-K filing is intended
to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">&#160;</p>

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<tr style="vertical-align: top"> <td style="padding-right: 3pt; padding-left: 3pt"><span><ix:nonNumeric contextRef="c0" format="ixt-sec:boolballotbox" name="dei:SolicitingMaterial">&#9744;</ix:nonNumeric></span></td> <td style="padding-right: 3pt; padding-left: 3pt">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) </td></tr>
<tr style="vertical-align: top"> <td style="padding-right: 3pt; padding-left: 3pt">&#160;</td> <td style="padding-right: 3pt; padding-left: 3pt">&#160;</td></tr>
<tr style="vertical-align: top"> <td style="padding-right: 3pt; padding-left: 3pt"><span><ix:nonNumeric contextRef="c0" format="ixt-sec:boolballotbox" name="dei:PreCommencementTenderOffer">&#9744;</ix:nonNumeric></span></td> <td style="padding-right: 3pt; padding-left: 3pt">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 style="padding-right: 3pt; padding-left: 3pt">&#160;</td> <td style="padding-right: 3pt; padding-left: 3pt">&#160;</td></tr>
<tr style="vertical-align: top"> <td style="padding-right: 3pt; padding-left: 3pt"><span><ix:nonNumeric contextRef="c0" format="ixt-sec:boolballotbox" name="dei:PreCommencementIssuerTenderOffer">&#9744;</ix:nonNumeric></span></td> <td style="padding-right: 3pt; padding-left: 3pt"><p style="margin: 0">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</p> <p style="margin: 0">&#160;</p></td></tr>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 27.35pt; text-indent: -27.35pt">Securities registered pursuant
to Section 12(b) of the Act:</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 27.35pt; text-indent: -27.35pt">&#160;</p>

<table cellpadding="0" cellspacing="0" style="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<tr> <td style="width: 56%; padding-bottom: 1pt; padding-right: 3pt; padding-left: 3pt; text-align: center; border-top: Black 1px solid; border-left: Black 1px solid"><span style="color: black"><b>Title of Each Class</b></span></td> <td style="width: 11%; padding-bottom: 1pt; padding-right: 3pt; padding-left: 3pt; text-align: center; border-top: Black 1px solid; border-left: Black 1px solid"><span style="color: black"><b>Trading<br/> Symbol(s)</b></span></td> <td style="width: 33%; padding-bottom: 1pt; padding-right: 3pt; padding-left: 3pt; text-align: center; border-top: Black 1px solid; border-right: Black 1px solid; border-left: Black 1px solid"><span style="color: black"><b>Name of Exchange on which<br/> Registered</b></span></td></tr>
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<tr style="vertical-align: top"> <td colspan="3" style="padding-right: 3pt; padding-left: 3pt"><p style="margin: 0">&#160;</p> <p style="margin: 0">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#xa7;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (&#xa7;240.12b-2 of this chapter).</p> <p style="margin: 0">&#160;</p> <p style="margin: 0">Emerging growth company <span><ix:nonNumeric contextRef="c0" format="ixt-sec:boolballotbox" name="dei:EntityEmergingGrowthCompany">&#9744;</ix:nonNumeric></span></p></td></tr>
<tr style="vertical-align: top"> <td colspan="3" style="padding-right: 3pt; padding-left: 3pt"><p style="margin: 0">&#160;</p> <p style="margin: 0">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. <span>&#9744;</span></p></td></tr>
<tr style="vertical-align: top"> <td colspan="3" style="padding-right: 3pt; padding-left: 3pt; border-bottom: Black 1px solid"><span style="font-size: 5pt">&#160;</span></td></tr>
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<td style="width: 10%; text-align: left"><b>ITEM 8.01.</b></td><td style="text-align: left; width: 90%"><b>Other Events.</b></td>
</tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">&#160;</p>

<p style="font: 12pt Times New Roman, Times, Serif; margin: 0">On May 26, 2020, First Horizon National Corporation (&#8220;First
Horizon&#8221;) completed the issuance and sale of $450,000,000 aggregate principal amount of its 3.550% Senior Notes due 2023
and $350,000,000 aggregate principal amount of 4.000% Senior Notes due 2025 (together, the &#8220;Notes&#8221;), pursuant to an
Underwriting Agreement, dated May 20, 2020 (the &#8220;Underwriting Agreement&#8221;), between First Horizon, on the one hand,
and Morgan Stanley&#160;&amp; Co. LLC, Barclays Capital Inc., FHN Financial Securities Corp., Goldman Sachs&#160;&amp; Co. LLC
and J.P. Morgan Securities LLC, as representatives of the underwriters, on the other hand. The sale of the Notes was made pursuant
to First Horizon&#8217;s Registration Statement on Form S-3 (File No. 333-229338) filed with the Securities and Exchange Commission
(the &#8220;Registration Statement&#8221;).</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">&#160;</p>

<p style="font: 12pt Times New Roman, Times, Serif; margin: 0">A copy of the Underwriting Agreement is attached as Exhibit 1.1
and the Officers&#8217; Certificate, dated May 26, 2020, setting forth the terms of the Notes and including each form of Note is
attached as Exhibit 4.2.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">&#160;</p>

<p style="font: 12pt Times New Roman, Times, Serif; margin: 0">The opinion and consent of Charles T. Tuggle, Jr., Executive Vice
President and General Counsel of First Horizon, as to the validity of the Notes is attached as Exhibit 5.1. The opinion and consent
of Sullivan&#160;&amp; Cromwell LLP as to the validity of the Notes is attached as Exhibit 5.2. The opinion and consent of Sullivan&#160;&amp;
Cromwell LLP as to tax matters regarding the Notes is attached as Exhibit 8.1.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">&#160;</p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0; width: 100%"><tr style="vertical-align: top; text-align: justify">
<td style="width: 10%; text-align: left"><b>ITEM 9.01.</b></td><td style="text-align: left; width: 90%"><b>Financial Statements and Exhibits.</b></td>
</tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0"><b>&#160;</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">(d) Exhibits</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">The following exhibits are filled herewith:</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">&#160;</p>

<table cellpadding="0" cellspacing="0" style="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
<tr style="vertical-align: top">
    <td style="width: 10%; font-size: 10pt; text-align: center"><span style="font: 10pt Times New Roman, Times, Serif; color: black"><span style="text-decoration:underline">Exhibit #</span></span></td>
    <td style="width: 90%; font-size: 10pt"><span style="font: 10pt Times New Roman, Times, Serif; color: black"><span style="text-decoration:underline">Description</span></span></td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt">&#160;</td>
    <td style="font-size: 10pt">&#160;</td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt; text-align: center"><span style="font: 10pt Times New Roman, Times, Serif; color: black">1.1</span></td>
    <td style="font-size: 10pt"><span style="font: 10pt Times New Roman, Times, Serif; color: black"><a href="c95905_ex1-1.htm" style="-sec-extract: exhibit">Underwriting Agreement, dated May 20, 2020, between First Horizon, on the one hand, and Morgan Stanley&#160;&amp; Co. LLC, Barclays Capital Inc., FHN Financial Securities Corp., Goldman Sachs&#160;&amp; Co. LLC and J.P. Morgan Securities LLC, as representatives of the underwriters, on the other hand, relating to the purchase of the Notes.</a></span></td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt; text-align: center">&#160;</td>
    <td style="font-size: 10pt">&#160;</td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt; text-align: center"><span style="font: 10pt Times New Roman, Times, Serif; color: black">4.1</span></td>
    <td style="font-size: 10pt"><span style="font: 10pt Times New Roman, Times, Serif; color: black"><a href="c95905_ex4-1.htm" style="-sec-extract: exhibit">Supplemental Indenture No. 1, dated May 26, 2020, between First Horizon and The Bank of New York Mellon Trust Company, N.A., as trustee.</a></span></td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt; text-align: center">&#160;</td>
    <td style="font-size: 10pt">&#160;</td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt; text-align: center"><span style="font: 10pt Times New Roman, Times, Serif; color: black">4.2</span></td>
    <td style="font-size: 10pt"><span style="font: 10pt Times New Roman, Times, Serif; color: black"><a href="c95905_ex4-2.htm" style="-sec-extract: exhibit">Officers&#8217; Certificate, dated May 26, 2020, setting forth the terms of the Notes and including each form of Note.</a></span></td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt; text-align: center">&#160;</td>
    <td style="font-size: 10pt">&#160;</td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt; text-align: center"><span style="font: 10pt Times New Roman, Times, Serif; color: black">5.1</span></td>
    <td style="font-size: 10pt"><span style="font: 10pt Times New Roman, Times, Serif; color: black"><a href="c95905_ex5-1.htm" style="-sec-extract: exhibit">Opinion of Charles T. Tuggle, Jr., Executive Vice President and General Counsel of First Horizon, as to the validity of the Notes.</a></span></td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt; text-align: center">&#160;</td>
    <td style="font-size: 10pt">&#160;</td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt; text-align: center"><span style="font: 10pt Times New Roman, Times, Serif; color: black">5.2</span></td>
    <td style="font-size: 10pt"><span style="font: 10pt Times New Roman, Times, Serif; color: black"><a href="c95905_ex5-2.htm" style="-sec-extract: exhibit">Opinion of Sullivan&#160;&amp; Cromwell LLP as to the validity of the Notes.</a></span></td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt; text-align: center">&#160;</td>
    <td style="font-size: 10pt">&#160;</td></tr>
<tr style="vertical-align: top">
    <td style="font-size: 10pt; text-align: center"><span style="font: 10pt Times New Roman, Times, Serif; color: black">8.1</span></td>
    <td style="font-size: 10pt"><span style="font: 10pt Times New Roman, Times, Serif; color: black"><a href="c95905_ex8-1.htm" style="-sec-extract: exhibit">Opinion of Sullivan&#160;&amp; Cromwell LLP on tax matters regarding the Notes.</a></span></td></tr>
</table>

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    <td style="width: 90%; font-size: 10pt"><span style="font: 10pt Times New Roman, Times, Serif; color: black"><a href="c95905_ex5-1.htm" style="-sec-extract: exhibit">Consent of Charles T. Tuggle, Jr., (included in Exhibit 5.1).</a></span></td></tr>
<tr style="vertical-align: top">
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    <td style="font-size: 10pt">&#160;</td></tr>
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    <td style="font-size: 10pt"><span style="font: 10pt Times New Roman, Times, Serif; color: black"><a href="c95905_ex5-2.htm" style="-sec-extract: exhibit">Consent of Sullivan&#160;&amp; Cromwell LLP (included in Exhibit 5.2</a> <a href="c95905_ex8-1.htm">and 8.1).</a></span></td></tr>
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<tr style="vertical-align: top">
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    <td style="font-size: 12pt"><span style="font: 10pt Times New Roman, Times, Serif; color: black">Cover Page Interactive Data File, formatted in Inline XBRL</span></td></tr>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">In the Underwriting Agreement filed as Exhibit 1.1, each party makes
representations and warranties to other parties. Those representations and warranties are made only to and for the benefit of the
respective other parties in the context of a business contract. They are subject to contractual materiality standards. Exceptions
to such representations and warranties may be partially or fully waived by such parties in their discretion. No such representation
or warranty may be relied upon by any other person for any purpose.</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"><b>&#160;</b></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">&#160;</p>

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    <td colspan="3" style="padding-right: 3pt; padding-left: 3pt"><span style="color: black"><b>First Horizon National Corporation</b></span></td></tr>
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    <td style="padding-right: 3pt; padding-left: 3pt; width: 3%">&#160;</td>
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    <td style="padding-right: 3pt; padding-left: 3pt">Date: May 26, 2020</td>
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        <p style="margin: 0"><i>Executive Vice President and Chief Financial Officer</i></p></td>
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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 1.1</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; border-bottom: Black 2px solid">&nbsp;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><FONT STYLE="border-bottom: black 2px solid">&nbsp;<FONT STYLE="font-variant: small-caps"><B>First Horizon National Corporation</B></FONT>&nbsp;</FONT></P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">3.550% Senior
Notes due 2023</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">4.000% Senior
Notes due 2025</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-variant: small-caps">Underwriting
Agreement</FONT></P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">May 20, 2020</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-variant: small-caps">Underwriting
Agreement</FONT></P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">May 20, 2020</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Morgan Stanley&nbsp;&amp; Co. LLC<BR>
Barclays Capital Inc.<BR>
FHN Financial Securities Corp.<BR>
Goldman Sachs&nbsp;&amp; Co. LLC<BR>
J.P. Morgan Securities LLC</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 10pt; text-align: justify"><I>as Representatives of</I> <I>the several
Underwriters listed in Schedule A hereto</I></P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">c/o Morgan Stanley&nbsp;&amp; Co. LLC<BR>
1585 Broadway<BR>
New York, New York 10036</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">c/o Barclays Capital Inc.<BR>
745 Seventh Avenue<BR>
New York, New York 10019</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">c/o FHN Financial Securities Corp.<BR>
845 Crossover Lane, Suite 150<BR>
Memphis, Tennessee 38117</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">c/o Goldman Sachs&nbsp;&amp; Co. LLC<BR>
200 West Street<BR>
New York, New York 10282</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">c/o J.P. Morgan Securities LLC<BR>
383 Madison Avenue<BR>
New York, New York 10179</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Ladies and Gentlemen:</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">First
Horizon National Corporation, a Tennessee corporation (the &ldquo;<U>Company</U>&rdquo;), proposes to issue and sell to the underwriters
named in <U>Schedule A</U> annexed hereto (the &ldquo;<U>Underwriters</U>&rdquo;), for whom you are acting as representatives
(the &ldquo;<U>Representatives</U>&rdquo;), (i) an aggregate of $450,000,000 principal amount of its 3.550% Senior Notes due 2023
(the &ldquo;20<U>23 Notes</U>&rdquo;) and (ii) an aggregate of $350,000,000 principal amount of its 4.000% Senior Notes due 2025
(the &ldquo;<U>2025 Notes</U>&rdquo; and, together with the 2023 Notes, the &ldquo;<U>Securities</U>&rdquo;). The Securities will
be issued under an indenture, dated as of December 20, 2010 (the &ldquo;Indenture&rdquo;), between the Company and The Bank of
New York Mellon Trust Company, N.A., as trustee (the &ldquo;<U>Trustee</U>&rdquo;).</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">The Company has entered into an Agreement
and Plan of Merger, dated as of November 3, 2019 (as amended, modified or supplemented from time to time, if applicable, to the
date hereof, the &ldquo;<U>Merger Agreement</U>&rdquo;), with IBERIABANK Corporation, a Louisiana corporation (&ldquo;<U>IBKC</U>&rdquo;).
The Merger Agreement provides that, upon the terms and subject to the</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">conditions set forth therein, IBKC will merge
with and into the Company, with the Company continuing as the surviving entity (the &ldquo;<U>Merger</U>&rdquo;). Following the
completion of the Merger, IBERIABANK, a Louisiana chartered banking corporation and wholly-owned subsidiary of IBKC (&ldquo;<U>IBERIABANK</U>&rdquo;),
will merge with and into First Horizon Bank, a Tennessee-chartered bank (the &ldquo;<U>Bank</U>&rdquo;), with the Bank continuing
as the surviving bank (collectively with the Merger, the &ldquo;<U>Transactions</U>&rdquo;).</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">The
Company has prepared and filed, in accordance with the provisions of the Securities Act of 1933, as amended, and the rules and
regulations thereunder (collectively, the &ldquo;Act&rdquo;), with the Securities and Exchange Commission (the &ldquo;<U>Commission</U>&rdquo;)
a registration statement on Form S-3 (File No. 333-229338) under the Act (the &ldquo;<U>registration statement</U>&rdquo;), including
a prospectus, which registration statement incorporates by reference documents which the Company has filed, or will file, in accordance
with the provisions of the Securities Exchange Act of 1934, as amended, and the rules and regulations thereunder (collectively,
the &ldquo;<U>Exchange Act</U>&rdquo;). Such registration statement has become effective under the Act.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">Except
where the context otherwise requires, &ldquo;<U>Registration Statement</U>,&rdquo; as used herein, means the registration statement,
as amended at the time of such registration statement&rsquo;s effectiveness for purposes of Section 11 of the Act (the &ldquo;<U>Effective
Time</U>&rdquo;), including (i) all documents filed as a part thereof or incorporated or deemed to be incorporated by reference
therein and (ii) any information contained or incorporated by reference in a prospectus filed with the Commission pursuant to
Rule 424(b) under the Act, to the extent such information is deemed, pursuant to Rule 430B or Rule 430C under the Act, to be part
of the registration statement at the Effective Time, but excluding any Statement of Eligibility (Form T-1) under the Trust Indenture
Act of 1939, as amended (the &ldquo;<U>Trust Indenture Act</U>&rdquo;).</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">The
Company has furnished to you, for use by the Underwriters and by dealers in connection with the offering of the Securities, copies
of one or more preliminary prospectus supplements, and the documents incorporated by reference therein, relating to the Securities.
Except where the context otherwise requires, &ldquo;<U>Pre-Pricing Prospectus</U>,&rdquo; as used herein, means each such preliminary
prospectus supplement, in the form so furnished, including any basic prospectus (whether or not in preliminary form) furnished
to you by the Company and attached to or used with such preliminary prospectus supplement. Except where the context otherwise
requires, &ldquo;<U>Basic Prospectus</U>,&rdquo; as used herein, means any such basic prospectus and any basic prospectus furnished
to you by the Company and attached to or used with the Prospectus Supplement (as defined below).</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">Except
where the context otherwise requires, &ldquo;<U>Prospectus Supplement</U>,&rdquo; as used herein, means the final prospectus supplement,
relating to the Securities, filed by the Company with the Commission pursuant to Rule 424(b) under the Act on or before the second
business day after the date hereof (or such earlier time as may be required under the Act), in the form furnished by the Company
to you for use by the Underwriters and by dealers in connection with the offering of the Securities.</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">Except
where the context otherwise requires, &ldquo;<U>Prospectus</U>,&rdquo; as used herein, means the Prospectus Supplement together
with the Basic Prospectus attached to or used with the Prospectus Supplement.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&ldquo;<U>Permitted
Free Writing Prospectuses</U>,&rdquo; as used herein, means the documents listed on <U>Schedule B</U> attached hereto and each
&ldquo;road show&rdquo; (as defined in Rule 433 under the Act), if any, related to the offering of the Securities contemplated
hereby that is a &ldquo;written communication&rdquo; (as defined in Rule 405 under the Act). Each Underwriter represents, warrants,
and agrees that it has not and will not use, authorize use of, refer to, or participate in the planning for use of, any written
communication that constitutes an offer to sell or the solicitation of an offer to buy the Securities, other than (A) a Permitted
Free Writing Prospectus, (B) such communications which do not conflict with the Registration Statement, the Basic Prospectus,
each Pre-Pricing Prospectus or the Prospectus and which would constitute an underwriter &ldquo;free writing prospectus&rdquo;
(as defined in Rule 405 of the Act) that is not required to be filed by the Underwriters with the Commission pursuant to Rule
433 under the Act, (C) any written communication listed on <U>Schedule B,</U> or (D) any written communication prepared by such
Underwriter and approved in writing by the Company in advance.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&ldquo;<U>Covered
Free Writing Prospectuses</U>,&rdquo; as used herein, means (i) each &ldquo;issuer free writing prospectus&rdquo; (as defined
in Rule 433(h)(1) under the Act), if any, relating to the Securities, which is not a Permitted Free Writing Prospectus and (ii)
each Permitted Free Writing Prospectus.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&ldquo;<U>Pricing
Disclosure Package</U>,&rdquo; as used herein, means the Pre-Pricing Prospectus, taken together with the Final Term Sheet, dated
May 20, 2020, substantially in the form of <U>Exhibit A</U> hereto.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">Any
reference herein to the registration statement, the Registration Statement, any Basic Prospectus, any Pre-Pricing Prospectus,
the Prospectus Supplement, the Prospectus or any Permitted Free Writing Prospectus shall be deemed to refer to and include the
documents, if any, incorporated by reference, or deemed to be incorporated by reference, therein (the &ldquo;<U>Incorporated Documents</U>&rdquo;),
including, unless the context otherwise requires, the documents, if any, filed as exhibits to such Incorporated Documents. Any
reference herein to the terms &ldquo;<U>amend</U>,&rdquo;<U> </U>&ldquo;<U>amendment</U>&rdquo; or &ldquo;<U>supplement</U>&rdquo;
with respect to the Registration Statement, any Basic Prospectus, any Pre-Pricing Prospectus, the Prospectus Supplement, the Prospectus
or any Permitted Free Writing Prospectus shall be deemed to refer to and include the filing of any document under the Exchange
Act on or after the initial effective date of the Registration Statement, or the date of such Basic Prospectus, such Pre-Pricing
Prospectus, the Prospectus Supplement, the Prospectus or such Permitted Free Writing Prospectus, as the case may be, and deemed
to be incorporated therein by reference.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">As
used in this Agreement, &ldquo;<U>business day</U>&rdquo; shall mean a day on which the New York Stock Exchange (the &ldquo;<U>NYSE</U>&rdquo;)
is open for trading. The terms &ldquo;herein,&rdquo; &ldquo;hereof,&rdquo; &ldquo;hereto,&rdquo; &ldquo;hereinafter&rdquo; and
similar terms, as used in this Agreement, shall in each case refer to this Agreement as a whole and not to any particular section,
paragraph, sentence or other subdivision of this Agreement. The term &ldquo;or,&rdquo; as used herein, is not exclusive.</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">The
Company and the Underwriters agree as follows:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="color: #010000">1.</FONT></TD><TD STYLE="text-align: justify"><U>Sale
                                         and Purchase</U></TD></TR></TABLE>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">Upon
the basis of the representations and warranties and subject to the terms and conditions herein set forth, the Company agrees to
issue and sell to the respective Underwriters and each of the Underwriters, severally and not jointly, agrees to purchase from
the Company the respective principal amount of Securities set forth opposite the name of such Underwriter in <U>Schedule A</U>
attached hereto, subject to adjustment in accordance with Section 8 hereof, in each case at a purchase price of (i) $997.16 per
$1,000 principal amount of the 2023 Notes and (ii) $992.69 per $1,000 principal amount of the 2025 Notes. The Company is advised
by you that the Underwriters intend (i) to make a public offering of their respective portions of the Securities as soon after
the effectiveness of this Agreement as in your judgment is advisable and (ii) initially to offer the Securities upon the terms
set forth in the Prospectus. You may from time to time increase or decrease the public offering price after the initial public
offering to such extent as you may determine. Upon the authorization by the Company of the release of the Securities, the several
Underwriters agree to offer the Securities for sale in accordance with the terms and conditions set forth in the Prospectus.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="color: #010000">2.</FONT></TD><TD STYLE="text-align: justify"><U>Payment
                                         and Delivery</U></TD></TR></TABLE>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">Payment
of the purchase price for the Securities shall be made to the Company by Federal Funds same-day wire transfer against delivery
of the Securities, in the form of one or more certificates registered in the name of Cede&nbsp;&amp; Co., as nominee for The Depository
Trust Company (&ldquo;<U>DTC</U>&rdquo;), to you through the facilities of DTC for the respective accounts of the Underwriters.
Such payment and delivery shall be made at 10:00 A.M., New York City time, on May 26, 2020 (unless another time shall be agreed
to by you and the Company or unless postponed in accordance with the provisions of Section 8 hereof). The time at which such payment
and delivery are to be made is hereinafter sometimes called the &ldquo;<U>time of purchase</U>&rdquo;. Electronic transfer of
the Securities shall be made to you at the time of purchase through DTC in such names and in such denominations as the Representatives
shall specify.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">Deliveries
of the documents described in Section 6 hereof with respect to the purchase of the Securities shall be made at the offices of
Sullivan&nbsp;&amp; Cromwell LLP at 125 Broad Street, New York, NY 10004, at 9:00 A.M., New York City time, on the date of the
closing of the purchase of the Securities.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="color: #010000">3.</FONT></TD><TD STYLE="text-align: justify"><U>Representations
                                         and Warranties of the Company</U></TD></TR></TABLE>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">The
Company represents and warrants to, and agrees with, each of the Underwriters that:</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
Registration Statement has heretofore become effective under the Act; no stop order of the Commission preventing or suspending
the use of any Basic Prospectus, any Pre-Pricing Prospectus, the Prospectus Supplement, the Prospectus or any Permitted Free Writing
Prospectus, or the effectiveness of the Registration Statement, has been issued, and no</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">proceedings for
such purpose have been instituted or, to the Company&rsquo;s knowledge, are contemplated by the Commission;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
Registration Statement complied when it became effective, complies as of the date hereof and, as amended or supplemented, at the
time of purchase, in all material respects, with the requirements of the Act and the Trust Indenture Act; the conditions to the
use of Form S-3 in connection with the offering and sale of the Securities as contemplated hereby have been satisfied; the Registration
Statement constitutes an &ldquo;automatic shelf registration statement&rdquo; (as defined in Rule 405 under the Act); the Company
has not received, from the Commission, a notice, pursuant to Rule 401(g)(2), of objection to the use of the automatic shelf registration
statement form; as of the determination date applicable to the Registration Statement (and any amendment thereto), the Company
was a &ldquo;well-known seasoned issuer&rdquo; as defined in Rule 405 under the Act; the Registration Statement meets, and the
offering and sale of the Securities as contemplated hereby complies with, the requirements of Rule 415 under the Act (including,
without limitation, Rule 415(a)(5) under the Act); the Registration Statement did not, as of the Effective Time, contain an untrue
statement of a material fact or omit to state a material fact required to be stated therein or necessary to make the statements
therein not misleading; each Pre-Pricing Prospectus complied, as of its date and at the time it was filed with the Commission,
and complies, as of the date hereof, in all material respects with the requirements of the Act; as of the date such Pre-Pricing
Prospectus was filed with the Commission, as of the date of the Pre-Pricing Prospectus and at the time of purchase, the Pre-Pricing
Prospectus, as then amended or supplemented, did not and will not include an untrue statement of a material fact or omit to state
a material fact necessary in order to make the statements therein, in the light of the circumstances under which they were made,
not misleading, and at 5:35 P.M., New York City time, on May 20, 2020 (the &ldquo;<U>Applicable Time</U>&rdquo;), the Pricing
Disclosure Package did not include an untrue statement of a material fact or omit to state a material fact necessary in order
to make the statements therein, in the light of the circumstances under which they were made, not misleading; each Basic Prospectus
complied or will comply, as of its date and the date it was or will be filed with the Commission, in all material respects, with
the requirements of the Act; as of the date of the Basic Prospectus, the date the Basic Prospectus was filed with the Commission
and at the time of purchase the Basic Prospectus, as then amended or supplemented (including with the Prospectus Supplement),
did not and will not include an untrue statement of a material fact or omit to state a material fact necessary in order to make
the statements therein, in the light of the circumstances under which they were made, not misleading, and at the Applicable Time,
the Basic Prospectus, as then amended or supplemented (including with the Pre-Pricing Prospectus), together with the Pricing Disclosure
Package, did not include an untrue statement of a material fact or omit to state a material fact necessary in order to make the
statements therein, in the light of the circumstances under which they were made, not misleading; each of the Prospectus Supplement
and the Prospectus will comply, as of the date that it is filed with the Commission, the date of the Prospectus Supplement, and,
as amended or supplemented, at the time of purchase, in all material respects, with the requirements of the Act (in the case of
the Prospectus, including, without limitation, Section 10(a) of the Act); at the date of the Prospectus Supplement, the date the
Prospectus Supplement is filed with the Commission and at the time of purchase, the Prospectus Supplement or the Prospectus, as
then amended or supplemented, did not include an untrue statement of a material fact or omit to state a material fact necessary
in order to make the statements therein, in the light of the circumstances under which they were</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">made, not misleading;
each Permitted Free Writing Prospectus, as supplemented by and taken together with the Pricing Disclosure Package, as of the Applicable
Time, did not include an untrue statement of a material fact or omit to state a material fact necessary in order to make the statements
therein, in the light of the circumstances under which they were made, not misleading; <U>provided</U>, <U>however</U>, that the
Company makes no representation or warranty in this Section 3(b) with respect to any statement contained in the Registration Statement,
any Pre-Pricing Prospectus, the Pricing Disclosure Package, the Prospectus or any Permitted Free Writing Prospectus in reliance
upon and in conformity with information concerning an Underwriter and furnished in writing by or on behalf of such Underwriter
through you to the Company expressly for use in the Registration Statement, such Pre-Pricing Prospectus, the Pricing Disclosure
Package, the Prospectus or such Permitted Free Writing Prospectus; each Incorporated Document, at the time such document was filed,
or will be filed, with the Commission or at the time such document became or becomes effective, as applicable, complied or will
comply, in all material respects, with the requirements of the Exchange Act, and did not or will not, as applicable, include an
untrue statement of a material fact or omit to state a material fact necessary in order to make the statements therein, in the
light of the circumstances under which they were made, not misleading; and each Covered Free Writing Prospectus does not conflict
with the information contained in the Registration Statement, the Pre-Pricing Prospectus or the Prospectus;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;prior
to the execution of this Agreement, the Company has not, directly or indirectly, offered or sold any Securities by means of any
&ldquo;prospectus&rdquo; (within the meaning of the Act) or used any &ldquo;prospectus&rdquo; (within the meaning of the Act)
in connection with the offer or sale of the Securities, in each case other than the Pre-Pricing Prospectuses and the Permitted
Free Writing Prospectuses, if any; the Company has not, directly or indirectly, prepared, used or referred to any Permitted Free
Writing Prospectus relating to the Securities except in compliance with Rule 163 or with Rules 164 and 433 under the Act; assuming
that such Permitted Free Writing Prospectus is so sent or given after the Registration Statement was filed with the Commission
(and after such Permitted Free Writing Prospectus was, if required pursuant to Rule 433(d) under the Act, filed with the Commission),
the sending or giving, by any Underwriter, of any Permitted Free Writing Prospectus will satisfy the provisions of Rule 164 and
Rule 433; the conditions set forth in one or more of subclauses (i) through (iv), inclusive, of Rule 433(b)(1) under the Act are
satisfied, and the registration statement relating to the offering of the Securities contemplated hereby, as initially filed with
the Commission, includes a prospectus that, other than by reason of Rule 433 or Rule 431 under the Act, satisfies the requirements
of Section 10 of the Act; the Company is not disqualified, by reason of subsection (f) or (g) of Rule 164 under the Act, from
using, in connection with the offer and sale of the Securities, &ldquo;free writing prospectuses&rdquo; (as defined in Rule 405
under the Act) pursuant to Rules 164 and 433 under the Act; the Company is not an &ldquo;ineligible issuer&rdquo; (as defined
in Rule 405 under the Act) as of the eligibility determination date for purposes of Rules 164 and 433 under the Act with respect
to the offering of the Securities contemplated by the Registration Statement, without taking into account any determination by
the Commission pursuant to Rule 405 under the Act that it is not necessary under the circumstances that the Company be considered
an &ldquo;ineligible issuer&rdquo;; the parties hereto agree and understand that the content of any and all &ldquo;road shows&rdquo;
(as defined in Rule 433 under the Act) related to the offering of the Securities contemplated hereby is solely the property of
the Company;</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
Company has an authorized and outstanding capitalization as set forth in the Pre-Pricing Prospectus and the Prospectus; all of
the issued and outstanding shares of capital stock of the Company have been duly authorized and validly issued and are fully paid
and non-assessable.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
Company has been duly incorporated and is validly existing as a corporation in good standing under the laws of the State of Tennessee,
with full corporate power and authority to own, lease and operate its properties and conduct its business as described in the
Registration Statement, the Pre-Pricing Prospectuses, the Prospectus and the Permitted Free Writing Prospectuses, if any, to execute
and deliver this Agreement and to issue, sell and deliver the Securities as contemplated herein; and the Company is duly qualified
to do business as a foreign corporation and is in good standing in each jurisdiction where the ownership or leasing of its properties
or the conduct of its business requires such qualification, except where the failure to be so qualified and in good standing would
not, individually or in the aggregate, have a material adverse effect on the business, properties, financial condition, results
of operations or prospects of the Company and its subsidiaries taken as a whole (a &ldquo;<U>Material Adverse Effect</U>&rdquo;);</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
Company is registered as a bank holding company and qualified as a financial holding company under the Bank Holding Company Act
of 1956, as amended; and each of the Company and the Bank are in substantial compliance with, and conduct their respective businesses
in substantial conformity with, all applicable laws and governmental regulations governing bank holding companies, banks and subsidiaries
of bank holding companies, respectively, except failures to comply or be in conformity with such laws and regulations that could
not reasonably be expected to result in a Material Adverse Effect;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the Bank has
been duly organized and is validly existing as a state-chartered bank under the laws of the State of Tennessee; the Bank is an
insured bank under the applicable provisions of the Federal Deposit Insurance Act, as amended (the &ldquo;<U>FDI Act</U>&rdquo;);
the Bank&rsquo;s deposits are insured by the Federal Deposit Insurance Corporation (the &ldquo;<U>FDIC</U>&rdquo;) to the fullest
extent of applicable law and no proceeding for the termination or revocation of such insurance is pending or, to the knowledge
of the Company, threatened against the Bank; the Company, as of the date hereof, has no direct or indirect subsidiaries, other
than the Bank, that are depositary institutions with deposits insured under the provisions of the FDI Act; except as disclosed
in the Registration Statement, any Pre-Pricing Prospectus or the Prospectus, the Company owns directly or indirectly all of the
outstanding capital stock of each subsidiary of the Company having total assets equal to or exceeding 10% of the total assets
of the Company and its subsidiaries on a consolidated basis (each, a &ldquo;Significant Subsidiary&rdquo; as listed on <U>Schedule
C</U> hereto) subject to no security interest, other encumbrance or adverse claims; each Significant Subsidiary has been duly
constituted and is validly existing as a corporation, limited liability company, state-chartered member bank or banking trust,
as applicable, in good standing under the laws of the jurisdiction of its incorporation or formation, as applicable, with full
corporate power and authority to own, lease and operate its properties and to conduct its business as described in the Registration
Statement, the Pre-Pricing Prospectuses, the Prospectus and the Permitted Free Writing Prospectuses, if any; each Significant
Subsidiary is duly qualified to do business as a foreign corporation, limited liability company or business trust, as applicable,
and is in good standing in each jurisdiction where the ownership or leasing of its properties or the</P>

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    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">conduct of its business requires such
qualification, except where the failure to be so qualified and in good standing would not, individually or in the aggregate, have
a Material Adverse Effect;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
Securities have been duly authorized, and, when the Securities are issued and delivered pursuant to this Agreement, such Securities
will have been duly executed, authenticated, issued and delivered and will constitute valid and legally binding obligations of
the Company entitled to the benefits provided by the Indenture, subject to bankruptcy, insolvency, fraudulent transfer, moratorium
and other similar laws relating to or affecting creditors&rsquo; rights generally and to general principles of equity; the Indenture
has been qualified under the Trust Indenture Act and, at the time of purchase of the Securities, the Indenture will constitute
a valid and legally binding obligation of the Company enforceable in accordance with its terms, subject to bankruptcy, insolvency,
fraudulent transfer, moratorium and other similar laws relating to or affecting creditors&rsquo; rights generally and to general
principles of equity; to the extent so described with respect to the Securities, the Securities and the Indenture will conform
in all material respects to the descriptions thereof contained in the Registration Statement, the Pre-Pricing Prospectuses, the
Pricing Disclosure Package and the Prospectus;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;this
Agreement has been duly authorized, executed and delivered by the Company;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;neither
the Company nor any of its Significant Subsidiaries is in breach or violation of or in default under (nor has any event occurred
which, with notice, lapse of time or both, would result in any breach or violation of, constitute a default under or give the
holder of any indebtedness of the Company or any of its Significant Subsidiaries (or a person acting on such holder&rsquo;s behalf)
the right to require the repurchase, redemption or repayment of all or a part of such indebtedness under) (A) its charter or bylaws
(or other organizational documents), (B) any indenture, mortgage, deed of trust, bank loan or credit agreement or other evidence
of indebtedness, or any license, lease, contract or other agreement or instrument to which it is a party or by which it or any
of its properties may be bound or affected, (C) any federal, state, local or foreign law, regulation or rule, (D) any rule or
regulation of any self-regulatory organization or other nongovernmental regulatory authority (including, without limitation, the
rules and regulations of the NYSE), or (E) any decree, judgment or order applicable to it or any of its properties, except in
the case of (B), (C), (D) and (E) for such breach, violation, default, requirement, creation or imposition which would not, individually
or in the aggregate, have a Material Adverse Effect;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
execution, delivery and performance of this Agreement and the Indenture and, the issuance and sale of the Securities and the consummation
of the transactions contemplated hereby will not conflict with, result in any breach or violation of or constitute a default under
(nor constitute any event which, with notice, lapse of time or both, would result in any breach or violation of, constitute a
default under or give the holder of any indebtedness (or a person acting on such holder&rsquo;s behalf) the right to require the
repurchase, redemption or repayment of all or a part of such indebtedness under) (or result in the creation or imposition of a
lien, charge or encumbrance on any property or assets of the Company or any of its subsidiaries pursuant to) (A) the charter or
bylaws (or other organizational documents) of the Company or any of its Significant Subsidiaries, or (B) any indenture, mortgage,
deed of trust, bank loan or credit</P>

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    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">agreement or
other evidence of indebtedness, or any license, lease, contract or other agreement or instrument to which the Company or any of
its Significant Subsidiaries is a party or by which any of them or any of their respective properties may be bound or affected,
or (C) any federal, state, local or foreign law, regulation or rule, or (D) any rule or regulation of any self-regulatory organization
or other non-governmental regulatory authority (including, without limitation, the rules and regulations of the NYSE), or (E)
any decree, judgment or order applicable to the Company or any of its Significant Subsidiaries or any of their respective properties,
except in the case of (B), (C), (D) and (E) such breach, violation, default, requirement, creation or imposition would not, individually
or in the aggregate, have a Material Adverse Effect;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(l)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;no
approval, authorization, consent or order of or filing with any federal, state, local or foreign governmental or regulatory commission,
board, body, authority or agency, or of or with any self-regulatory organization or other non-governmental regulatory authority
(including, without limitation, the NYSE), or approval of the shareholders of the Company, is required in connection with the
issuance and sale of the Securities or the consummation by the Company of the transactions contemplated hereby, other than (i)
registration of the Securities under the Act, which has been effected, (ii) any necessary qualification under the securities or
blue sky laws of the various jurisdictions in which the Securities are being offered by the Underwriters, (iii) under the Rules
of the Financial Industry Regulatory Authority, Inc. (&ldquo;<U>FINRA</U>&rdquo;), (iv) the qualification of the Indenture under
the Trust Indenture Act, which has been effected, or (v) those previously obtained or made;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(m)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;each
of the Company and its Significant Subsidiaries has all necessary licenses, authorizations, consents and approvals and has made
all necessary filings required under any applicable law, regulation or rule, and has obtained all necessary licenses, authorizations,
consents and approvals from other persons, in order to conduct their respective businesses, except when the failure to have such
license, authorization, consent or approval, or to make any such filings, or obtain any such license, authorization, consent or
approval would not, individually or in the aggregate, have a Material Adverse Effect; neither the Company nor any of its Significant
Subsidiaries is in violation of, or in default under, or has received notice of any proceedings relating to revocation or modification
of, any such license, authorization, consent or approval or any federal, state, local or foreign law, regulation or rule or any
decree, order or judgment applicable to the Company or any of its Significant Subsidiaries, except where such violation, default,
revocation or modification would not, individually or in the aggregate, have a Material Adverse Effect;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(n)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;there are no
legal or governmental proceedings pending or, to the Company&rsquo;s knowledge, threatened to which the Company or any of its
Significant Subsidiaries or any of their respective directors or officers is or would be a party or of which any of their respective
properties is or would be subject at law or in equity, except as described in the Registration Statement (excluding the exhibits
thereto), each Pre-Pricing Prospectus and the Prospectus or any such action, suit, claim, investigation or proceeding that is
not reasonably likely, individually or in the aggregate, to have a Material Adverse Effect; the Company and each of its subsidiaries
is in compliance with all laws administered by and regulations applicable to it of the Board of Governors of the Federal Reserve
System, the FDIC, the Tennessee Department of Financial Institutions and the Consumer Financial Protection Bureau (each a &ldquo;<U>Regulator</U>&rdquo;)
and of any other</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0pt">federal or state agency
or authority with jurisdiction over it except where failure to so comply would not result in a Material Adverse Effect; neither
the Company nor any of its subsidiaries is a party to or otherwise subject to any order, consent decree, memorandum of understanding,
written commitment or other supervisory agreement with any Regulator or any other federal or state agency or authority, nor has
the Company or any of its subsidiaries been advised by any Regulator or any other federal or state agency or authority that it
is contemplating issuing or requesting any of the foregoing except where being a party to or subject to such order, consent decree,
memorandum of understanding, written commitment or other supervisory agreement would not result in a Material Adverse Effect;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(o)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;KPMG
LLP, whose report on the consolidated financial statements of the Company and its subsidiaries is included or incorporated by
reference in the Registration Statement, the Pre-Pricing Prospectuses and the Prospectus, are independent registered public accountants
as required by the Act and by the rules of the Public Company Accounting Oversight Board;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(p)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To
the knowledge of the Company, Ernst&nbsp;&amp; Young LLP, whose report on the consolidated financial statements of IBKC and its
subsidiaries included or incorporated by reference in the Registration Statement, the Pre-Pricing Prospectuses and the Prospectus,
are independent registered public accountants with respect to IBKC as required by the rules of the Public Company Accounting Oversight
Board;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(q)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the financial
statements of the Company included or incorporated by reference in the Registration Statement, the Pre-Pricing Prospectuses, the
Prospectus and the Permitted Free Writing Prospectuses, if any, together with the related notes and schedules, present fairly
in all material respects the consolidated financial position of the Company and its subsidiaries as of the dates indicated and
the consolidated results of operations, cash flows and changes in shareholders&rsquo; equity of the Company and its subsidiaries
for the periods specified and have been prepared in compliance in all material respects with the requirements of the Act and Exchange
Act and in conformity in all material respects with U.S. generally accepted accounting principles applied on a consistent basis
during the periods presented; the other financial and statistical data (other than financial and statistical data relating to
IBKC) contained or incorporated by reference in the Registration Statement, the Pre-Pricing Prospectuses, the Prospectus and the
Permitted Free Writing Prospectuses, if any, are accurately and fairly presented in all material respects and to the extent appropriate
are prepared on a basis consistent with the financial statements and books and records of the Company; there are no financial
statements (historical or pro forma) that are required to be included or incorporated by reference in the Registration Statement,
any Pre-Pricing Prospectus or the Prospectus that are not included or incorporated by reference as required; the pro forma financial
statements and the related notes thereto included or incorporated by reference in the Registration Statement, the Pre-Pricing
Prospectuses, the Prospectus and the Permitted Free Writing Prospectuses, if any, fairly present, in all material respects, the
information shown therein, have been prepared, in all material respects, in accordance with the Commission&rsquo;s rules and guidelines
with respect to pro forma financial statements and have been properly compiled on the bases described therein, and the assumptions
used in the preparation thereof are reasonable and the adjustments used therein are appropriate to give effect to the transactions
and circumstances referred to therein; in all material respects, all</P>

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    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0pt">disclosures contained
or incorporated by reference in the Registration Statement, the Pre-Pricing Prospectuses, the Prospectus and the Permitted Free
Writing Prospectuses, if any, regarding &ldquo;non-GAAP financial measures&rdquo; (as such term is defined by the rules and regulations
of the Commission) comply with Regulation G of the Exchange Act and Item 10 of Regulation S-K under the Act, to the extent applicable;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(r)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to the knowledge
of the Company, the financial statements of IBKC included or incorporated by reference in the in the Registration Statement, the
Pre-Pricing Prospectuses, the Prospectus and the Permitted Free Writing Prospectuses, if any, together with the related notes
and schedules, present fairly in all material respects the consolidated financial position of IBKC and its subsidiaries as of
the dates indicated and the consolidated results of operations, cash flows and changes in shareholders&rsquo; equity of IBKC and
its subsidiaries for the periods specified and have been prepared in compliance in all material respects with the requirements
of the Exchange Act and in conformity in all material respects with U.S. generally accepted accounting principles applied on a
consistent basis during the periods presented; the other financial and statistical data of IBKC contained or incorporated by reference
in the in the Registration Statement, the Pre-Pricing Prospectuses, the Prospectus and the Permitted Free Writing Prospectuses,
if any, are accurately and fairly presented in all material respects and to the extent appropriate are prepared on a basis consistent
with the financial statements and books and records of IBKC;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(s)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;subsequent
to the respective dates as of which information is given in the Registration Statement, the Pre-Pricing Prospectuses, the Prospectus
and the Permitted Free Writing Prospectuses, if any, in each case excluding any amendments or supplements to the foregoing made
after the execution of this Agreement, there has not been (i) any material adverse change, or any development involving a prospective
material adverse change, in the business, properties, management, financial condition or results of operations of the Company
and its subsidiaries taken as a whole, (ii) any transaction, except as set forth or contemplated in the Registration Statement,
each Pre-Pricing Prospectus and the Prospectus, which is material to the Company and its subsidiaries taken as a whole, (iii)
except as set forth or contemplated in the Registration Statement, each Pre-Pricing Prospectus and Prospectus, any obligation
or liability, direct or contingent (including any off-balance sheet obligations), incurred by the Company or any Significant Subsidiary,
which is material to the Company and its subsidiaries taken as a whole, (iv) except as set forth or contemplated in the Registration
Statement, each Pre-Pricing Prospectus and Prospectus, any material change in the capital stock (other than repurchases pursuant
to publicly announced share repurchase plans and issuances and purchases of shares pursuant to employee benefit and compensation
plans) or outstanding indebtedness of the Company or any of its subsidiaries or (v) any dividend or distribution of any kind declared,
paid or made on the capital stock of the Company (other than with respect to the Company&rsquo;s second quarter dividend on common
and preferred stock);</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(t)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;neither
the Company nor any Significant Subsidiary is, or in connection with any sale of Securities will any of them be, and, after giving
effect to the offering and sale of the Securities and the application of the proceeds thereof, none of them will be, an &ldquo;investment
company&rdquo; or an entity &ldquo;controlled&rdquo; by an &ldquo;investment company,&rdquo; as such terms are defined in the
Investment Company Act of 1940, as amended;</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(u)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
Company and each of its Significant Subsidiaries have good and marketable title to all property (real and personal) described
in the Registration Statement, the Pre-Pricing Prospectuses, the Prospectus and the Permitted Free Writing Prospectuses, if any,
as being owned by any of them, free and clear of all liens, claims, security interests or other encumbrances, except to the extent
disclosed in the Registration Statement (excluding the exhibits thereto), each Pre-Pricing Prospectus and the Prospectus, except
where the failure to have such good and marketable title would not, individually or in the aggregate, have a Material Adverse
Effect and except for assets that are pledged in support of government deposits, Federal Home Loan Bank borrowings and covered
transactions under Section 23A of the Federal Reserve Act; and all the property described in the Registration Statement, the Pre-Pricing
Prospectuses, the Prospectus and the Permitted Free Writing Prospectuses, if any, as being held under lease by the Company or
a subsidiary is held thereby under valid, subsisting and enforceable leases, except where the failure to hold or lease such property
would not, individually or in the aggregate, have a Material Adverse Effect;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(v)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;there
are no past, present or, to the Company&rsquo;s knowledge, reasonably anticipated future events, conditions, circumstances, activities,
practices, actions, omissions or plans that could reasonably be expected to give rise to any material costs or liabilities to
the Company or any of its subsidiaries under, or to materially interfere with or prevent compliance by the Company or any of its
subsidiaries with, any laws or regulations relating to protection from harmful or hazardous substances or to protection of the
environment;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(w)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
Company and each of its subsidiaries maintain insurance covering their respective properties, operations, personnel and businesses
as the Company reasonably deems adequate in accordance with customary industry practice to protect the Company and its subsidiaries
and their respective businesses; except as would not, individually or in the aggregate, have a Material Adverse Effect, all such
insurance is fully in force and the Company has no reason to believe that it will not be able to renew any such insurance as and
when such insurance expires;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(x)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
Company maintains a system of internal control over financial reporting (as such term is defined in Rule 13a-15(f) under the Exchange
Act) that has been designed by the Company&rsquo;s principal executive officer and principal financial officer, or under their
supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial
statements for external purposes in accordance with generally accepted accounting principles; at December 31, 2019, the Company&rsquo;s
internal control over financial reporting was effective and at December 31, 2019, the Company was not aware of any material weaknesses
in its internal control over financial reporting; since December 31, 2019, there has been no change in the Company&rsquo;s internal
control over financial reporting that has materially affected, or is reasonably likely to materially affect, the Company&rsquo;s
internal control over financial reporting;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(y)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
Company maintains disclosure controls and procedures (as such term is defined in Rule 13a-15(e) under the Exchange Act); such
disclosure controls and procedures have been designed to ensure that material information relating to the Company and its subsidiaries
is made known to the Company&rsquo;s principal executive officer and principal financial</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">officer by others
within those entities; such disclosure controls and procedures were effective as of the last day they were tested;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(z)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
interactive data in eXtensible Business Reporting Language incorporated by reference in the Registration Statement, the Pre-Pricing
Prospectuses, the Prospectus and the Permitted Free Writing Prospectuses, if any, fairly presents the information called for in
all material respects and is prepared, in all material respects, in accordance with the Commission&rsquo;s rules and guidance
applicable thereto;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(aa)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;all
statistical or market-related data related to the Company included or incorporated by reference in the Registration Statement,
the Pre-Pricing Prospectuses, the Prospectus and the Permitted Free Writing Prospectuses, if any, are based on or derived from
sources that the Company reasonably believes to be reliable and accurate, and the Company has obtained the written consent to
the use of such data from such sources to the extent required;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(bb)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;neither the
Company nor any of its subsidiaries nor, to the Company&rsquo;s knowledge, any employee or agent of the Company or any of its
subsidiaries has made any payment of funds of the Company or any of its subsidiaries or received or retained any funds in violation
of any provision of the Foreign Corrupt Practices Act of 1977, as amended, or any applicable law or regulation implementing the
OECD Convention on Combating Bribery of Foreign Public Officials in International Business Transactions, the Bribery Act 2010
of the United Kingdom, or any other applicable anti-bribery or anti-corruption laws, which payment, receipt or retention of funds
is of a character that would be required by the Act to be disclosed in the Registration Statement, any Pre-Pricing Prospectus
or the Prospectus; and the Company and its subsidiaries have conducted their businesses in compliance, in all material respects,
with applicable anti-corruption laws and have instituted and maintain and enforce policies and procedures reasonably designed
to promote and ensure compliance with all applicable anti-bribery and anti-corruption laws;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(cc)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
operations of the Company and its subsidiaries are and have been conducted in compliance with applicable financial recordkeeping
and reporting requirements of the Currency and Foreign Transactions Reporting Act of 1970, as amended, the money laundering statutes
of all jurisdictions, the rules and regulations thereunder and any related or similar rules, regulations or guidelines, issued,
administered or enforced by any governmental agency having jurisdiction over the Company or any of its subsidiaries (collectively,
the &ldquo;<U>Money Laundering Laws</U>&rdquo;) and no action, suit or proceeding by or before any court or governmental agency,
authority or body or any arbitrator involving the Company or any of its subsidiaries with respect to the Money Laundering Laws
is pending or, to the knowledge of the Company, threatened;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(dd)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;none of the
Company, any of its Significant Subsidiaries or, to the knowledge of the Company, any director, officer or employee of the Company
or any of its Significant Subsidiaries is currently the subject or the target of any sanctions administered or enforced by the
U.S. government, including, without limitation, the Office of Foreign Assets Control of the U.S. Department of the Treasury, the
United Nations Security Council, the European Union, Her Majesty&rsquo;s Treasury, or other relevant sanctions authority (collectively,
&ldquo;<U>Sanctions</U>&rdquo;), and, to the Company&rsquo;s knowledge, the proceeds of the offering of the Securities hereunder
will not be used,</P>

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    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0pt">lent, contributed or
otherwise made available by the Company to any of its subsidiaries, joint venture partner or other person or entity (i) to fund
any activities of or business with any person, or in any country or territory, that, at the time of such funding, is the subject
of Sanctions, (ii) in any other manner that will result in a violation by any person (including any person participating in the
transaction, whether as purchaser, advisor, investor or otherwise) of Sanctions or (iii) located, organized or resident in a country
or territory that is the subject of Sanctions (including, without limitation, Crimea, Cuba, Iran, North Korea, Sudan and Syria);</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(ee)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;neither
the Company nor any of its Significant Subsidiaries, nor, to the Company&rsquo;s knowledge, any of their respective directors
or officers has taken, directly or indirectly, any action designed, or which has constituted or might reasonably be expected to
cause or result in the stabilization or manipulation of the price of any security of the Company to facilitate the sale or resale
of the Securities except for stabilization activities conducted by a subsidiary that is an Underwriter pursuant to the terms of
any agreement among the Underwriters in effect in respect of the offering of Securities contemplated by this Agreement;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(ff)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company and each of its subsidiaries have complied and are presently in compliance, in all material respects, with all internal
and external privacy policies, contractual obligations, applicable laws, statutes, judgments, orders, rules and regulations of
any court or other governmental or regulatory authority in any jurisdiction and any other legal obligations, in each case, relating
to the collection, use, transfer, import, export, storage, protection, disposal and disclosure by the Company or any of its subsidiaries
of personal, personally identifiable, household, sensitive, confidential or regulated data (&ldquo;<U>Data Security Obligations</U>,&rdquo;
and such data, &ldquo;<U>Data</U>&rdquo;); (ii) the Company has not received any notification of or complaint regarding or is
aware of any other facts that, individually or in the aggregate, would reasonably indicate any material non-compliance with any
Data Security Obligation; and (iii) there is no action, suit or proceeding by or before any court or governmental agency, authority
or body pending or threatened alleging any material non-compliance with any Data Security Obligation; and</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(gg)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company and each of its subsidiaries have taken all technical and organizational measures reasonably necessary to protect the
information technology systems and Data used in connection with the operation of the Company&rsquo;s and its subsidiaries&rsquo;
businesses, except to the extent that the failure to do so would not, either individually or in the aggregate, reasonably be expected
to result in a Company Material Adverse Effect. Without limiting the foregoing, the Company and its subsidiaries have used reasonable
efforts to establish and maintain information technology, information security, cyber security and data protection controls, policies
and procedures, including oversight, access controls, encryption, technological and physical safeguards and business continuity/disaster
recovery and security plans that are designed to protect against and prevent breach, destruction, loss, unauthorized distribution,
use, access, disablement, misappropriation or modification, or other compromise or misuse of or relating to any information technology
system or Data used in connection with the operation of the Company&rsquo;s and its subsidiaries&rsquo; businesses (&ldquo;<U>Breach</U>&rdquo;).
There has been no material Breach, and the Company and its subsidiaries have not been notified of any event or condition that
would reasonably be expected to result in, any material Breach; and</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(hh)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Merger Agreement has been duly authorized, executed and delivered by the Company and constitutes a valid and legally binding obligation
of the Company, enforceable against the Company in accordance with its terms, except to the extent that enforceability may be
limited by bankruptcy, insolvency, reorganization, moratorium or other similar laws relating to creditors&rsquo; rights and remedies
generally and by general principles of equity and concepts of reasonableness (regardless of whether enforcement is sought in a
proceeding at law or in equity). Nothing has come to the attention of the Company that would cause it to believe that any of the
representations and warranties (as qualified therein and taking into account the matters described in the disclosure schedules
thereto) of IBKC set forth in the Merger Agreement were not true and correct in all material respects as of the date of the Merger
Agreement (or, to the extent such representations and warranties specifically related to an earlier date, such earlier date).
Other than as disclosed in the Registration Statement, the Pre-Pricing Prospectuses, the Prospectus and the Permitted Free Writing
Prospectuses, if any, nothing has come to the attention of the Company that would cause it to believe that the acquisition proposed
therein will not be consummated in all material respects as contemplated by the Merger Agreement (taking into account the risk
factors and associated disclosure of forward looking statements).</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">4.</TD><TD STYLE="text-align: justify"><U>Certain
                                         Covenants of the Company</U></TD></TR></TABLE>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">The
Company hereby agrees:</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to
furnish such information as may be required and otherwise to cooperate in qualifying the Securities for offering and sale under
the securities or blue sky laws of such states or other jurisdictions as you may designate and to maintain such qualifications
in effect so long as you may request for the distribution of the Securities; <U>provided</U>, <U>however</U>, that the Company
shall not be required to qualify as a foreign corporation or to consent to the service of process under the laws of any such jurisdiction;
and to promptly advise you of the receipt by the Company of any notification with respect to the suspension of the qualification
of the Securities for offer or sale in any jurisdiction or the initiation or threatening of any proceeding for such purpose;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to
make available to the Underwriters in New York City, as soon as practicable after this Agreement becomes effective, and thereafter
from time to time to furnish to the Underwriters, as many copies of the Prospectus (or of the Prospectus as amended or supplemented
if the Company shall have made any amendments or supplements thereto after the effective date of the Registration Statement) as
the Underwriters may request for the purposes contemplated by the Act; in case any Underwriter is required to deliver (whether
physically or through compliance with Rule 172 under the Act or any similar rule), in connection with the sale of the Securities,
a prospectus after the nine-month period referred to in Section 10(a)(3) of the Act, or after the time a post-effective amendment
to the Registration Statement is required pursuant to Item 512(a) of Regulation S-K under the Act, the Company will prepare, at
the expense of the requesting Underwriters, promptly upon request such amendment or amendments to the Registration Statement and
the Prospectus as may be necessary to permit compliance with the requirements of Section 10(a)(3) of the Act or Item 512(a) of
Regulation S-K under the Act, as the case may be;</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;if,
at the time this Agreement is executed and delivered, it is necessary or appropriate for a post-effective amendment to the Registration
Statement to be filed with the Commission and become effective before the Securities may be sold, the Company will use its best
efforts to cause such post-effective amendment or such Registration Statement to be filed and become effective, and will pay any
applicable fees in accordance with the Act, as soon as possible; and the Company will advise you promptly and, if requested by
you, will confirm such advice in writing, when such post-effective amendment has become effective;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;if,
prior to the expiration of nine months after the date of this Agreement, at any time during the period when a prospectus is required
by the Act to be delivered (whether physically or through compliance with Rule 172 under the Act or any similar rule) in connection
with any sale of Securities, the Registration Statement shall cease to comply with the requirements of the Act with respect to
eligibility for the use of the form on which the Registration Statement was filed with the Commission or the Registration Statement
shall cease to be an &ldquo;automatic shelf registration statement&rdquo; (as defined in Rule 405 under the Act) or the Company
shall have received, from the Commission, a notice, pursuant to Rule 401(g)(2), of objection to the use of the form on which the
Registration Statement was filed with the Commission, to (i) promptly notify you, (ii) promptly file with the Commission a new
registration statement under the Act, relating to the Securities, or a post-effective amendment to the Registration Statement,
which new registration statement or post-effective amendment shall comply with the requirements of the Act and shall be in a form
reasonably satisfactory to you, (iii) use its best efforts to cause such new registration statement or post-effective amendment
to become effective under the Act as soon as practicable, (iv) promptly notify you of such effectiveness and (v) take all other
action necessary or appropriate to permit the public offering and sale of the Securities to continue as contemplated in the Prospectus;
all references herein to the Registration Statement shall be deemed to include each such new registration statement or post-effective
amendment, if any;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to
advise you promptly, confirming such advice in writing, of any request by the Commission for amendments or supplements to the
Registration Statement, any Pre-Pricing Prospectus, the Prospectus or any Permitted Free Writing Prospectus or for additional
information with respect thereto, or of notice of institution of proceedings for, or the entry of a stop order, suspending the
effectiveness of the Registration Statement and, if the Commission should enter a stop order suspending the effectiveness of the
Registration Statement, to use its reasonable best efforts to obtain the lifting or removal of such order as soon as possible;
prior to the time of purchase, to advise you promptly of any proposal to amend or supplement the Registration Statement, any Pre-Pricing
Prospectus or the Prospectus, and to provide you and Underwriters&rsquo; counsel copies of any such documents for review and comment
a reasonable amount of time prior to any proposed filing and to file no such amendment or supplement to which you shall reasonably
object in writing;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;subject
to Section 4(e) hereof, to file promptly all reports and documents and any preliminary or definitive proxy or information statement
required to be filed by the Company with the Commission in order to comply with the Exchange Act for so long as a prospectus is
required by the Act to be delivered (whether physically or through compliance with Rule 172 under the Act or any similar rule)
in connection with any sale of Securities;</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to
pay the fees applicable to the Registration Statement in connection with the offering of the Securities within the time required
by Rule 456(b)(1)(i) under the Act and in compliance with Rule 456(b) and Rule 457(r) under the Act;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;for
a period of not more than nine months, to advise the Underwriters promptly of the happening of any event within the period during
which a prospectus is required by the Act to be delivered (whether physically or through compliance with Rule 172 under the Act
or any similar rule) in connection with any sale of Securities, which event could require the making of any change in the Prospectus
then being used so that the Prospectus would not include an untrue statement of a material fact or omit to state a material fact
necessary in order to make the statements therein, in the light of the circumstances under which they are made, not misleading,
and to advise the Underwriters promptly if, during such period, it shall become necessary to amend or supplement the Prospectus
to cause the Prospectus to comply with the requirements of the Act, and, in each case, during such time, subject to Section 4(e)
hereof, to prepare and furnish, at the Company&rsquo;s expense, to the Underwriters promptly such amendments or supplements to
such Prospectus as may be necessary to reflect any such change or to effect such compliance;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to
make generally available to its security holders, and to deliver to you, an earnings statement of the Company (which will satisfy
the provisions of Section 11(a) of the Act) covering a period of twelve months beginning after the effective date of the Registration
Statement (as defined in Rule 158(c) under the Act) as soon as is reasonably practicable after the termination of such twelve-month
period;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to
furnish to each of the Underwriters copies of the Registration Statement, as initially filed with the Commission, and of all amendments
thereto (including all exhibits thereto and documents incorporated by reference therein);</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to
apply the net proceeds from the sale of the Securities in the manner set forth under the caption &ldquo;Use of Proceeds&rdquo;
in the Prospectus Supplement;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(l)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to pay all costs,
expenses, fees and taxes in connection with (i) the preparation and filing of the Registration Statement, each Basic Prospectus,
each Pre-Pricing Prospectus, the Prospectus Supplement, the Prospectus, each Permitted Free Writing Prospectus and any amendments
or supplements thereto, and the printing and furnishing of copies of each thereof to the Underwriters and to dealers (including
costs of mailing and shipment), (ii) the registration, issue, sale, execution, authentication and delivery of the Securities,
(iii) the producing, word processing and/or printing of this Agreement, any agreement among Underwriters, any dealer agreements,
the Indenture, any Powers of Attorney and any closing documents (including compilations thereof) and the reproduction and/or printing
and furnishing of copies of each thereof to the Underwriters and (except closing documents) to dealers (including costs of mailing
and shipment), (iv) the qualification of the Securities for offering and sale under state or foreign laws and the determination
of their eligibility for investment under state or foreign law (including the legal fees and filing fees and other disbursements
of counsel for the Underwriters) and the printing and furnishing of copies of any blue sky surveys or legal investment surveys
to the Underwriters and to dealers, (v) any fees payable in connection with the rating of the</P>

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    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Securities, (vi) any filing for a review
of the public offering of the Securities by FINRA, including the legal fees and filing fees and other disbursements of counsel
to the Underwriters relating to FINRA matters, (viii) the fees and disbursements of the Company&rsquo;s accountants in connection
with the issuance of the Securities, (ix) the fees and disbursements of any trustee or paying agent for the Securities, (x) the
costs and expenses of the Company relating to presentations or meetings undertaken in connection with the marketing of the offering
and sale of the Securities to prospective investors and the Underwriters&rsquo; sales forces, including, without limitation, expenses
associated with the production of road show slides and graphics, travel, lodging and other expenses incurred by the officers of
the Company and (xi) the performance of the Company&rsquo;s other obligations hereunder, it is understood, however, that, except
as provided in this Section, Section 5, Section 7 and Section 9 hereof, the Underwriters will pay all of their own costs and expenses,
including the fees of their counsel and their tombstone advertising costs;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(m)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to
comply with Rule 433(d) under the Act (without reliance on Rule 164(b) under the Act) and with Rule 433(g) under the Act;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(n)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;beginning on
the date hereof and until the time of the purchase of the Securities, the Company will not without the consent of the Representatives,
sell or contract to sell, or announce the offering of, or otherwise transfer or dispose of, directly or indirectly, any unsecured
debt securities having a maturity of over one year issued by the Company (except for the Securities);</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(o)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;not
to use any written communication that constitutes an offer or to sell or the solicitation of an offer to buy the Securities other
than the Basic Prospectus, Pre-Pricing Prospectus, Prospectus or Permitted Free-Writing Prospectus;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(p)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;not
to, and to cause its subsidiaries not to, take, directly or indirectly, until the time of purchase, any action designed, or which
will constitute, or has constituted, or would reasonably be expected to cause or result in the stabilization or manipulation of
the price of any security of the Company to facilitate the sale or resale of the Securities, except for stabilization activities
conducted by a subsidiary that is an Underwriter pursuant to the terms of any agreement among the Underwriters in effect in respect
of the offering of Securities contemplated by this Agreement; and</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(q)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to
use best efforts to permit the Securities to be eligible for clearance and settlement through DTC.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">5.</TD><TD STYLE="text-align: justify"><U>Reimbursement
                                         of the Underwriters&rsquo; Expenses</U></TD></TR></TABLE>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">If,
after the execution and delivery of this Agreement, the Securities are not delivered for any reason other than the termination
of this Agreement pursuant to Section 7 or 8 hereof or the default by one or more of the Underwriters in its or their respective
obligations hereunder, the Company shall, in addition to paying the amounts described in Section 4(l) hereof, reimburse the Underwriters
for all of their out-of-pocket expenses, including the fees and disbursements of their counsel.</P>

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    <!-- Field: /Page -->

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">6.</TD><TD STYLE="text-align: justify"><U>Conditions
                                         of the Underwriters&rsquo; Obligations</U></TD></TR></TABLE>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">The
several obligations of the Underwriters hereunder are subject to the accuracy in all material respects (to the extent not otherwise
qualified therein as to materiality or Material Adverse Effect) of the representations and warranties on the part of the Company
on the date hereof and at the time of purchase, the performance by the Company, in all material respects, of its obligations hereunder
and to the following additional conditions precedent:</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company shall furnish to you at the time of purchase an opinion of Sullivan&nbsp;&amp; Cromwell LLP, counsel for the Company,
addressed to the Underwriters, and dated the time of purchase, with executed copies for each Underwriter, and in form and substance
reasonably satisfactory to the Representatives, in the form set forth in <U>Exhibit B</U> hereto.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company shall furnish to you at the time of purchase an opinion of Charles T. Tuggle, Jr., Executive Vice President and General
Counsel, addressed to the Underwriters, and dated the time of purchase, with executed copies for each Underwriter, and in form
and substance reasonably satisfactory to the Representatives, in the form set forth in <U>Exhibit C</U> hereto.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;You
shall have received from KPMG LLP letters dated, respectively, the date of this Agreement and the time of purchase, and addressed
to the Underwriters (with executed copies for each Underwriter) and representatives of them in the forms reasonably satisfactory
to the Representatives.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;You
shall have received from Ernst&nbsp;&amp; Young LLP letters dated, respectively, the date of this Agreement and the time of purchase,
and addressed to the Underwriters (with executed copies for each Underwriter) and representatives of them in the forms reasonably
satisfactory to the Representatives.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;You
shall have received at the time of purchase the favorable opinion of Simpson Thacher&nbsp;&amp; Bartlett LLP, counsel for the
Underwriters, dated the time of purchase, in form and substance reasonably satisfactory to the Representatives.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Prospectus Supplement shall have been filed with the Commission pursuant to Rule 424(b) under the Act at or before 5:30 P.M.,
New York City time, on the second full business day after the date of this Agreement (or such earlier time as may be required
under the Act).</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Prior
to and at the time of purchase, no stop order with respect to the effectiveness of the Registration Statement shall have been
issued under the Act or proceedings initiated under Section 8(d) or 8(e) of the Act.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company will, at the time of purchase, deliver to you a certificate of its Chief Executive Officer and its Chief Financial Officer,
dated the time of purchase, in the form attached as <U>Exhibit D</U> hereto.</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company shall have furnished to you such other documents and certificates as to the accuracy and completeness of any statement
in the Registration Statement, any Pre-Pricing Prospectus, the Prospectus or any Permitted Free Writing Prospectus as of the time
of purchase, as you may reasonably request.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;FINRA
shall not have raised any objection with respect to the fairness or reasonableness of the underwriting, or other arrangements
of the transactions, contemplated hereby.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Securities shall be eligible for clearance and settlement through the facilities of DTC.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">7.</TD><TD STYLE="text-align: justify"><U>Effective
                                         Date of Agreement; Termination</U></TD></TR></TABLE>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">This
Agreement shall become effective when the parties hereto have executed and delivered this Agreement.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">The
obligations of the several Underwriters hereunder shall be subject to termination in the absolute discretion of the Representatives,
if (1) since the time of execution of this Agreement or the earlier respective dates as of which information is given in the Registration
Statement, the Pre-Pricing Prospectuses, the Prospectus and the Permitted Free Writing Prospectuses, if any, there has been any
change or any development involving a prospective change in the business, properties, management, financial condition or results
of operations of the Company and its subsidiaries taken as a whole, the effect of which change or development is, in the sole
judgment of the Representatives, so material and adverse as to make it impractical or inadvisable to proceed with the public offering
or the delivery of the Securities on the terms and in the manner contemplated in the Registration Statement, the Pre-Pricing Prospectuses,
the Prospectus and the Permitted Free Writing Prospectuses, if any, or (2) since the time of execution of this Agreement, there
shall have occurred: (A) a suspension or material limitation in trading in securities generally on the NYSE; (B) a suspension
or material limitation in trading in the Company&rsquo;s securities on the NYSE; (C) a general moratorium on commercial banking
activities declared by either federal or New York State authorities or a material disruption in commercial banking or securities
settlement or clearance services in the United States; (D) an outbreak or escalation of hostilities or acts of terrorism involving
the United States or a declaration by the United States of a national emergency or war; or (E) any other calamity or crisis or
any change in financial, political or economic conditions in the United States or elsewhere, if the effect of any such event specified
in clause (D) or (E), in the sole judgment of the Representatives, makes it impractical or inadvisable to proceed with the public
offering or the delivery of the Securities on the terms and in the manner contemplated in the Registration Statement, the Pre-Pricing
Prospectuses, the Prospectus and the Permitted Free Writing Prospectuses, if any, or (3) since the time of execution of this Agreement,
there shall have occurred any downgrading in the rating accorded any securities of or guaranteed by the Company or any of its
subsidiaries by any &ldquo;nationally recognized statistical rating organization,&rdquo; as that term is defined in Section 3(a)(62)
of the Exchange Act, and no such organization shall have publicly announced that it has under surveillance or review, or has changed
its outlook with</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">respect to, its
rating of such securities (other than an announcement with positive implications of a possible upgrading).</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">If
the Representatives elect to terminate this Agreement as provided in this Section 7, the Company and each other Underwriter shall
be notified promptly in writing.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">If
the sale to the Underwriters of the Securities, as contemplated by this Agreement, is not carried out by the Underwriters for
any reason permitted under this Agreement, or if such sale is not carried out because the Company shall be unable to comply with
any of the terms of this Agreement, the Company shall not be under any obligation or liability under this Agreement (except to
the extent provided in Sections 4(l), 5 and 9 hereof), and the Underwriters shall be under no obligation or liability to the Company
under this Agreement (except to the extent provided in Section 9 hereof) or to one another hereunder.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">8.</TD><TD STYLE="text-align: justify"><U>Increase
                                         in Underwriters&rsquo; Commitments</U></TD></TR></TABLE>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">Subject
to Sections 6 and 7 hereof, if any Underwriter shall default in its obligation to take up and pay for the Securities to be purchased
by it hereunder (otherwise than for a failure of a condition set forth in Section 6 hereof or a reason sufficient to justify the
termination of this Agreement under the provisions of Section 7 hereof) and if the aggregate principal amount of the Securities
which all Underwriters so defaulting shall have agreed but failed to take up and pay for does not exceed 10% of the aggregate
principal amount of the Securities which all Underwriters agreed to purchase hereunder, the non-defaulting Underwriters (including
the Underwriters, if any, substituted in the manner set forth below) shall take up and pay for (in addition to the aggregate principal
amount of the Securities they are obligated to purchase pursuant to Section 1 hereof) the principal amount of the Securities agreed
to be purchased by all such defaulting Underwriters, as hereinafter provided. Such Securities shall be taken up and paid for by
such non-defaulting Underwriters in such amount or amounts as you may designate with the consent of each Underwriter so designated
or, in the event no such designation is made, such Securities shall be taken up and paid for by all non-defaulting Underwriters
pro rata in proportion to the aggregate principal amount of the Securities set forth opposite the names of such non-defaulting
Underwriters in <U>Schedule A</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">Without
relieving any defaulting Underwriter from its obligations hereunder, the Company agrees with the non-defaulting Underwriters that
it will not sell any Securities hereunder unless all of the Securities are purchased by the Underwriters (or by substituted Underwriters
selected by you with the approval of the Company or selected by the Company with your approval).</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">If
a new Underwriter or Underwriters are substituted by the Underwriters or by the Company for a defaulting Underwriter or Underwriters
in accordance with the foregoing provision, the Company or you shall have the right to postpone the time of purchase for a period
not exceeding five business days in order that any necessary changes in the Registration Statement and the Prospectus and other
documents may be effected.</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">The
term &ldquo;Underwriter&rdquo; as used in this Agreement shall refer to and include any Underwriter substituted under this Section
8 with like effect as if such substituted Underwriter had originally been named in <U>Schedule A</U> hereto.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">If
the aggregate principal amount of the Securities which the defaulting Underwriter or Underwriters agreed to purchase exceeds 10%
of the aggregate principal amount of the Securities which all Underwriters agreed to purchase hereunder, and if neither the non-defaulting
Underwriters nor the Company shall make arrangements within the five business day period stated above for the purchase of all
the Securities which the defaulting Underwriter or Underwriters agreed to purchase hereunder, this Agreement shall terminate without
further act or deed and without any liability on the part of the Company to any Underwriter and without any liability on the part
of any non-defaulting Underwriter to the Company. Nothing in this paragraph, and no action taken hereunder, shall relieve any
defaulting Underwriter from liability in respect of any default of such Underwriter under this Agreement.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">9.</TD><TD STYLE="text-align: justify"><U>Indemnity
                                         and Contribution</U></TD></TR></TABLE>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company
agrees to indemnify, defend and hold harmless each Underwriter, its partners, directors, selling agents, officers and members,
any person who controls any Underwriter within the meaning of Section 15 of the Act or Section 20 of the Exchange Act, and any
&ldquo;affiliate&rdquo; (within the meaning of Rule 405 under the Act) of such Underwriter, and the successors and assigns of
all of the foregoing persons, from and against any loss, damage, expense, liability or claim (including the reasonable cost of
investigation) which, jointly or severally, any such Underwriter or any such person may incur under the Act, the Exchange Act,
the common law or otherwise, insofar as such loss, damage, expense, liability or claim arises out of or is based upon (i) any
untrue statement or alleged untrue statement of a material fact contained in the Registration Statement (or in the Registration
Statement as amended by any post-effective amendment thereof by the Company) or arises out of or is based upon any omission or
alleged omission to state a material fact required to be stated therein or necessary to make the statements therein not misleading,
except insofar as any such loss, damage, expense, liability or claim arises out of or is based upon any untrue statement or alleged
untrue statement of a material fact contained in, and in conformity with information concerning such Underwriter furnished in
writing by or on behalf of such Underwriter through you to the Company expressly for use in, the Registration Statement, the Prospectus
(as defined below) and any Covered Free Writing Prospectus, or arises out of or is based upon any omission or alleged omission
to state a material fact in the Registration Statement, the Prospectus (as defined below) and any Covered Free Writing Prospectus
in connection with such information, which material fact was not contained in such information and which material fact was required
to be stated in such Registration Statement or was necessary to make such information not misleading or (ii) any untrue statement
or alleged untrue statement of a material fact included in any Prospectus (the term Prospectus for the purpose of this Section
9 being deemed to include any Basic Prospectus, any Pre-Pricing Prospectus, the Prospectus Supplement, the Prospectus and any
amendments or supplements to the foregoing), in any Covered Free Writing Prospectus, in any &ldquo;issuer information&rdquo; (as
defined in Rule 433 under the Act) of the Company or in any Prospectus together with any combination of one or more of the Covered
Free Writing Prospectuses, if any, or arises out of or is based upon any omission or alleged omission to state a material fact</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">necessary in order to make the statements
therein, in the light of the circumstances under which they were made, not misleading, except, with respect to such Prospectus
or any Covered Free Writing Prospectus, insofar as any such loss, damage, expense, liability or claim arises out of or is based
upon any untrue statement or alleged untrue statement of a material fact contained in, and in conformity with information concerning
such Underwriter furnished in writing by or on behalf of such Underwriter through you to the Company expressly for use in, such
Prospectus or Covered Free Writing Prospectus or arises out of or is based upon any omission or alleged omission to state a material
fact in such Prospectus or Covered Free Writing Prospectus in connection with such information, which material fact was not contained
in such information and which material fact was necessary in order to make the statements in such information, in the light of
the circumstances under which they were made, not misleading.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
Underwriter severally agrees to indemnify, defend and hold harmless the Company, its directors and officers, and any person who
controls the Company within the meaning of Section 15 of the Act or Section 20 of the Exchange Act, and the successors and assigns
of all of the foregoing persons, from and against any loss, damage, expense, liability or claim (including the reasonable cost
of investigation) which, jointly or severally, the Company or any such person may incur under the Act, the Exchange Act, the common
law or otherwise, insofar as such loss, damage, expense, liability or claim arises out of or is based upon any untrue statement
or alleged untrue statement of a material fact contained in, and in conformity with information concerning such Underwriter furnished
in writing by or on behalf of such Underwriter through you to the Company expressly for use in, the Registration Statement (or
in the Registration Statement as amended by any post-effective amendment thereof by the Company), the Prospectus or any Covered
Free Writing Prospectus, or arises out of or is based upon any omission or alleged omission to state a material fact in such Registration
Statement or Prospectus or Covered Free Writing Prospectus in connection with such information, which material fact was not contained
in such information and which material fact was required to be stated in such Registration Statement or was necessary to make
such information not misleading.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
any action, suit or proceeding (each, a &ldquo;<U>Proceeding</U>&rdquo;) is brought against a person (an &ldquo;<U>indemnified
party</U>&rdquo;) in respect of which indemnity may be sought against the Company or an Underwriter (the Company on the one hand,
and any Underwriter, on the other hand, an &ldquo;<U>indemnifying party</U>&rdquo;) pursuant to subsection (a) or (b), respectively,
of this Section 9, such indemnified party shall promptly notify such indemnifying party in writing of the institution of such
Proceeding and such indemnifying party shall assume the defense of such Proceeding, including the employment of counsel reasonably
satisfactory to such indemnified party and payment of all fees and expenses; <U>provided</U>, <U>however</U>, that the omission
to so notify such indemnifying party shall not relieve such indemnifying party from any liability which such indemnifying party
may otherwise have to any indemnified party except to the extent that the indemnifying party is materially prejudiced by the omission
to give such notice. The indemnified party or parties shall have the right to employ its or their own counsel in any such case,
but the fees and expenses of such counsel shall be at the expense of such indemnified party or parties unless the employment of
such counsel shall have been authorized in writing by the indemnifying party in connection with the defense of such Proceeding
or the indemnifying party shall not have, within a reasonable period of time in light of the circumstances, employed counsel to
defend such Proceeding or such indemnified party or parties shall have reasonably</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">concluded that
there may be defenses available to it or them which are different from, additional to or in conflict with those available to such
indemnifying party (in which case such indemnifying party shall not have the right to direct the defense of such Proceeding on
behalf of the indemnified party or parties), in any of which events such fees and expenses shall be borne by such indemnifying
party and paid as incurred (it being understood, however, that such indemnifying party shall not be liable for the expenses of
more than one separate counsel (in addition to any local counsel) in any one Proceeding or series of related Proceedings representing
the indemnified parties who are parties to such Proceeding). The indemnifying party shall not be liable for any settlement of
any Proceeding effected without its written consent but, if settled with its written consent, such indemnifying party agrees to
indemnify and hold harmless the indemnified party or parties from and against any loss or liability by reason of such settlement.
Notwithstanding the foregoing sentence, if at any time an indemnified party shall have requested an indemnifying party to reimburse
the indemnified party for fees and expenses of counsel as contemplated by the second sentence of this Section 9(c), then the indemnifying
party agrees that it shall be liable for any settlement of any Proceeding effected without its written consent if (i) such settlement
is entered into more than 60 business days after receipt by such indemnifying party of the aforesaid request, (ii) such indemnifying
party shall not have fully reimbursed the indemnified party in accordance with such request prior to the date of such settlement
and (iii) such indemnified party shall have given the indemnifying party at least 30 days&rsquo; prior notice of its intention
to settle. No indemnifying party shall, without the prior written consent of the indemnified party, effect any settlement of any
pending or threatened Proceeding in respect of which any indemnified party is or could have been a party and indemnity could have
been sought hereunder by such indemnified party, unless such settlement includes an unconditional release of such indemnified
party from all liability on claims that are the subject matter of such Proceeding and does not include an admission of fault or
culpability or a failure to act by or on behalf of such indemnified party.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
the indemnification provided for in this Section 9 is unavailable to an indemnified party under subsections (a) and (b) of this
Section 9 or insufficient to hold an indemnified party harmless in respect of any losses, damages, expenses, liabilities or claims
referred to therein, then each applicable indemnifying party shall contribute to the amount paid or payable by such indemnified
party as a result of such losses, damages, expenses, liabilities or claims (i) in such proportion as is appropriate to reflect
the relative benefits received by the Company on the one hand and the Underwriters on the other hand from the offering of the
Securities or (ii) if the allocation provided by clause (i) above is not permitted by applicable law, in such proportion as is
appropriate to reflect not only the relative benefits referred to in clause (i) above but also the relative fault of the Company
on the one hand and of the Underwriters on the other in connection with the statements or omissions which resulted in such losses,
damages, expenses, liabilities or claims, as well as any other relevant equitable considerations. The relative benefits received
by the Company on the one hand and the Underwriters on the other shall be deemed to be in the same respective proportions as the
total net proceeds from the offering received by the Company, and the total underwriting discounts and commissions received by
the Underwriters, bear to the aggregate public offering price of the Securities. The relative fault of the Company on the one
hand and of the Underwriters on the other shall be determined by reference to, among other things, whether the untrue statement
or alleged untrue statement of a material fact or omission or alleged omission relates to information supplied by the Company
or</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">by the Underwriters
and the parties&rsquo; relative intent, knowledge, access to information and opportunity to correct or prevent such statement
or omission. The amount paid or payable by a party as a result of the losses, damages, expenses, liabilities and claims referred
to in this subsection shall be deemed to include any legal or other fees or expenses reasonably incurred by such party in connection
with investigating, preparing to defend or defending any Proceeding.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company and the Underwriters agree that it would not be just and equitable if contribution pursuant to this Section 9 were determined
by pro rata allocation (even if the Underwriters were treated as one entity for such purpose) or by any other method of allocation
that does not take account of the equitable considerations referred to in subsection (d) above. Notwithstanding the provisions
of this Section 9, no Underwriter shall be required to contribute any amount in excess of the amount by which the total price
at which the Securities underwritten by such Underwriter and distributed to the public were offered to the public exceeds the
amount of any damage which such Underwriter has otherwise been required to pay by reason of such untrue statement or alleged untrue
statement or omission or alleged omission. No person guilty of fraudulent misrepresentation (within the meaning of Section 11(f)
of the Act) shall be entitled to contribution from any person who was not guilty of such fraudulent misrepresentation. The Underwriters&rsquo;
obligations to contribute pursuant to this Section 9 are several in proportion to their respective underwriting commitments and
not joint.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
indemnity and contribution agreements contained in this Section 9 and the covenants, warranties and representations of the Company
contained in this Agreement shall remain in full force and effect regardless of any investigation made by or on behalf of any
Underwriter, its partners, directors, officers or members or any person (including each partner, officer, director or member of
such person) who controls any Underwriter within the meaning of Section 15 of the Act or Section 20 of the Exchange Act, or by
or on behalf of the Company, its directors or officers or any person who controls the Company within the meaning of Section 15
of the Act or Section 20 of the Exchange Act, and shall survive any termination of this Agreement or the issuance and delivery
of the Securities.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">10.</TD><TD STYLE="text-align: justify"><U>Information
                                         Furnished by the Underwriters</U></TD></TR></TABLE>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">The
statements set forth in: the last paragraph on the cover page of the Pre-Pricing Prospectus and the Prospectus; the fourth paragraph,
the second and third sentences in the ninth paragraph, the tenth and eleventh paragraphs, the first sentence in the twelfth paragraph,
the thirteenth paragraph and the third sentence in the paragraph under &ldquo;Conflicts of Interest&rdquo;, all under the caption
&ldquo;Underwriting (Conflicts of Interest)&rdquo; in the Pre-Pricing Prospectus and Prospectus; and the second and third sentences
of the first paragraph under the caption &ldquo;Risk Factors; Risks Relating to the Notes; An active trading market for the notes
may not develop.&rdquo; in the Pre-Pricing Prospectus and Prospectus, constitute the only information furnished by or on behalf
of the Underwriters, as such information is referred to in Sections 3 and 9 hereof. Additionally, the statements set forth in
the second and third sentences of the twelfth paragraph under the caption &ldquo;Underwriting (Conflicts of Interest)&rdquo; in
the Pre-Pricing Prospectus and Prospectus Supplement will also constitute information furnished by or on behalf of Morgan Stanley&nbsp;&amp;
Co. LLC and the second and fourth sentence of the twelfth paragraph under the caption &ldquo;Underwriting (Conflicts of Interest)&rdquo;
in the Pre-Pricing Prospectus and Prospectus</P>

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    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Supplement will
also constitute information furnished by or on behalf of Goldman Sachs&nbsp;&amp; Co. LLC, in each case, as such information is
referred to in Sections 3 and 9 hereof.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">11.</TD><TD STYLE="text-align: justify"><U>Notices</U></TD></TR></TABLE>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">Except
as otherwise herein provided, all statements, requests, notices and agreements shall be in writing or by telegram or facsimile
and, if to the Underwriters, shall be sufficient in all respects if delivered or sent to Morgan Stanley&nbsp;&amp; Co. LLC, 1585
Broadway, 29th Floor, New York, NY 10036 (fax: (212) 507-8999), Attn: Investment Banking Division, Barclays Capital Inc., 745
Seventh Avenue, New York, New York 10019, Facsimile: 646-834-8133, Attention: Syndicate Registration, FHN Financial Securities
Corp., 444 Madison Ave, 9th Floor, New York, NY 10022 (fax: (212) 418-7996), Attn: Corporate Trading Desk, Goldman Sachs&nbsp;&amp;
Co. LLC, 200 West Street, New York, NY 10282 (fax: (212) 902-9316), Attn: Registration Department and J.P. Morgan Securities LLC,
383 Madison Avenue, New York, NY 10179 (fax: (212) 834-6081), Attn: Investment Grade Syndicate Desk; and if to the Company, shall
be sufficient in all respects if delivered or sent to the Company at the offices of the Company, Attn: Corporate Secretary, at
165 Madison Avenue, 8<SUP>th</SUP> Floor, Memphis, TN 38103.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">12.</TD><TD STYLE="text-align: justify"><U>Governing
                                         Law; Construction</U></TD></TR></TABLE>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">This
Agreement and any claim, counterclaim or dispute of any kind or nature whatsoever arising out of or in any way relating to this
Agreement (&ldquo;<U>Claim</U>&rdquo;), directly or indirectly, shall be governed by, and construed in accordance with, the laws
of the State of New York. The section headings in this Agreement have been inserted as a matter of convenience of reference and
are not a part of this Agreement.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">13.</TD><TD STYLE="text-align: justify"><U>Submission
                                         to Jurisdiction</U></TD></TR></TABLE>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">Except
as set forth below, no Claim may be commenced, prosecuted or continued in any court other than the courts of the State of New
York located in the City and County of New York or in the United States District Court for the Southern District of New York,
which courts shall have jurisdiction over the adjudication of such matters, and the Company consents to the jurisdiction of such
courts and personal service with respect thereto. The Company hereby consents to personal jurisdiction, service and venue in any
court in which any Claim arising out of or in any way relating to this Agreement is brought by any third party against any Underwriter
or any indemnified party. Each Underwriter and the Company (on its behalf and, to the extent permitted by applicable law, on behalf
of its shareholders and affiliates) waive all right to trial by jury in any action, proceeding or counterclaim (whether based
upon contract, tort or otherwise) in any way arising out of or relating to this Agreement. The Company agrees that a final judgment
in any such action, proceeding or counterclaim brought in any such court shall be conclusive and binding (subject to rights of
appeal) upon the Company and may be enforced in any other courts to the jurisdiction of which the Company is or may be subject,
by suit upon such judgment.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">14.</TD><TD STYLE="text-align: justify"><U>Parties
                                         at Interest</U></TD></TR></TABLE>

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    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">The
Agreement herein set forth has been and is made solely for the benefit of the Underwriters and the Company and to the extent provided
in Section 9 hereof the controlling persons, partners, directors, officers, members and affiliates referred to in such Section,
and their respective successors, assigns, heirs, personal representatives and executors and administrators. No other person, partnership,
association or corporation (including a purchaser, as such purchaser, from any of the Underwriters) shall acquire or have any
right under or by virtue of this Agreement.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">15.</TD><TD STYLE="text-align: justify"><U>No
                                         Fiduciary Relationship</U></TD></TR></TABLE>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">The
Company acknowledges and agrees that (i) the purchase and sale of the Securities pursuant to this Agreement is an arm&rsquo;s-length
commercial transaction between the Company, on the one hand, and the several Underwriters, on the other, (ii) in connection with
the sale of the Securities, each Underwriter is acting solely as a principal and not the agent or fiduciary of the Company, (iii)
no Underwriter has assumed an advisory or fiduciary responsibility in favor of the Company with respect to the sale of the Securities
(irrespective of whether such Underwriter has advised or is currently advising the Company on other matters) and (iv) the Company
has consulted its own legal and financial advisors to the extent it deemed appropriate. The Company agrees that it will not claim
that the Underwriters, or any of them, has rendered advisory services of any nature or respect, or owes a fiduciary or similar
duty to the Company, in connection with the sale of the Securities.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">16.</TD><TD STYLE="text-align: justify"><U>Counterparts</U></TD></TR></TABLE>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">This
Agreement may be signed by the parties in one or more counterparts which together shall constitute one and the same agreement
among the parties. The words &ldquo;execution,&rdquo; &ldquo;signed,&rdquo; &ldquo;signature,&rdquo; &ldquo;delivery,&rdquo; and
words of like import in or relating to this Agreement or any document to be signed in connection with this Agreement shall be
deemed to include electronic signatures, deliveries or the keeping of records in electronic form, each of which shall be of the
same legal effect, validity or enforceability as a manually executed signature, physical delivery thereof or the use of a paper-based
recordkeeping system, as the case may be, and the parties hereto consent to conduct the transactions contemplated hereunder by
electronic means.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">17.</TD><TD STYLE="text-align: justify"><U>Successors
                                         and Assigns</U></TD></TR></TABLE>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">This
Agreement shall be binding upon the Underwriters and the Company and their respective successors and assigns and any successor
or assign of all or substantially all of the Company&rsquo;s and any of the Underwriters&rsquo; respective businesses and/or assets.
No purchaser of Securities from any Underwriter shall be deemed a successor or assign of an Underwriter.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">18.</TD><TD STYLE="text-align: justify"><U>Recognition
                                         of the U.S. Special Resolution Regime.</U></TD></TR></TABLE>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
the event that any Underwriter that is a Covered Entity becomes subject to a proceeding under a U.S. Special Resolution Regime,
the transfer from such Underwriter of this Agreement, and any interest and obligation in or under this Agreement, will be effective
to the</P>

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    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">same extent as
the transfer would be effective under the U.S. Special Resolution Regime if this Agreement, and any such interest and obligation,
were governed by the laws of the United States or a state of the United States.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
the event that any Underwriter that is a Covered Entity or any BHC Act Affiliate of such party becomes subject to a proceeding
under a U.S. Special Resolution Regime, Default Rights under this Agreement that may be exercised against such Underwriter are
permitted to be exercised to no greater extent than such Default Rights could be exercised under the U.S. Special Resolution Regime
if this Agreement were governed by the laws of the United States or a state of the United States.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For
purposes of this Section 18:</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-align: justify; text-indent: 36pt">&ldquo;<U>BHC
Act Affiliate</U>&rdquo; has the meaning assigned to the term &ldquo;affiliate&rdquo; in, and shall be interpreted in accordance
with, 12 U.S.C. &sect; 1841(k).</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-align: justify; text-indent: 36pt">&ldquo;<U>Covered
Entity</U>&rdquo; means any of the following: (i) a &ldquo;covered entity&rdquo; as that term is defined in, and interpreted in
accordance with, 12 C.F.R. &sect; 252.82(b); (ii) a &ldquo;covered bank&rdquo; as that term is defined in, and interpreted in
accordance with, 12 C.F.R. &sect; 47.3(b); or (iii) a &ldquo;covered FSI&rdquo; as that term is defined in, and interpreted in
accordance with, 12 C.F.R. &sect; 382.2(b).</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-align: justify; text-indent: 36pt">&ldquo;<U>Default
Right</U>&rdquo; has the meaning assigned to that term in, and shall be interpreted in accordance with, 12 C.F.R. &sect;&sect;
252.81, 47.2 or 382.1, as applicable.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-align: justify; text-indent: 36pt">&ldquo;<U>U.S.
Special Resolution Regime</U>&rdquo; means each of (i) the Federal Deposit Insurance Act and the regulations promulgated thereunder
and (ii) Title II of the Dodd-Frank Wall Street Reform and Consumer Protection Act and the regulations promulgated thereunder.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><I>[Signature
page follows]</I></B></P>

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    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">If the foregoing correctly sets forth
the understanding between the Company and the several Underwriters, please so indicate in the space provided below for that purpose,
whereupon this Agreement and your acceptance shall constitute a binding agreement between the Company and the Underwriters, severally.</P>


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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">Very truly yours,</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 28%">&nbsp;</TD>
    <TD STYLE="width: 20%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><FONT STYLE="font-variant: small-caps">FIRST HORIZON NATIONAL CORPORATION</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1px solid; padding-left: 20pt">/s/ Dane Smith</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Name: Dane Smith</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">Title: SVP, Corporate Treasurer</TD></TR>
</TABLE>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><I>[SENIOR NOTES UNDERWRITING AGREEMENT &mdash; SIGNATURE PAGE]</I></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Accepted and
agreed to as of the date first above written, on behalf of themselves and the other several Underwriters named in <U>Schedule
A</U> hereto.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">Morgan Stanley&nbsp;&amp; Co. LLC</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 40%">&nbsp;</TD>
    <TD STYLE="width: 55%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1px solid; padding-left: 36pt">/s/ Ian Drewe</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Name: Ian Drewe</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Title: Executive Director</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">Barclays Capital Inc.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 35%">&nbsp;</TD>
    <TD STYLE="width: 60%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">FHN Financial Securities Corp.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 35%">&nbsp;</TD>
    <TD STYLE="width: 60%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">Goldman Sachs&nbsp;&amp; Co. LLC</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 35%">&nbsp;</TD>
    <TD STYLE="width: 60%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">J.P. Morgan Securities LLC</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 35%">&nbsp;</TD>
    <TD STYLE="width: 60%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><I>[SENIOR NOTES UNDERWRITING AGREEMENT &mdash; SIGNATURE PAGE]</I></P>

<!-- Field: Page; Sequence: 31 -->
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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Accepted and
agreed to as of the date first above written, on behalf of themselves and the other several Underwriters named in <U>Schedule
A</U> hereto.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">Morgan Stanley&nbsp;&amp; Co. LLC</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 35%">&nbsp;</TD>
    <TD STYLE="width: 60%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">Barclays Capital Inc.</TD></TR>
</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 40%">&nbsp;</TD>
    <TD STYLE="width: 55%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1px solid; padding-left: 36pt">/s/ Kenneth Chang</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Name: Kenneth Chang</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Title: Managing Director</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">FHN Financial Securities Corp.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 35%">&nbsp;</TD>
    <TD STYLE="width: 60%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">Goldman Sachs&nbsp;&amp; Co. LLC</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">J.P. Morgan Securities LLC</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Accepted and
agreed to as of the date first above written, on behalf of themselves and the other several Underwriters named in <U>Schedule
A</U> hereto.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">Morgan Stanley&nbsp;&amp; Co. LLC</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 35%">&nbsp;</TD>
    <TD STYLE="width: 60%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">Barclays Capital Inc.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">FHN Financial Securities Corp.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 40%">&nbsp;</TD>
    <TD STYLE="width: 55%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1px solid; padding-left: 36pt">/s/ Maurice Beshlian</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Name: Maurice Beshlian</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Title: Senior Vice President</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">Goldman Sachs&nbsp;&amp; Co. LLC</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 35%">&nbsp;</TD>
    <TD STYLE="width: 60%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">J.P. Morgan Securities LLC</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Accepted and
agreed to as of the date first above written, on behalf of themselves and the other several Underwriters named in <U>Schedule
A</U> hereto.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">Morgan Stanley&nbsp;&amp; Co. LLC</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 35%">&nbsp;</TD>
    <TD STYLE="width: 60%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">Barclays Capital Inc.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">FHN Financial Securities Corp.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">Goldman Sachs&nbsp;&amp; Co. LLC</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1px solid; padding-left: 36pt">/s/ Sam Chaffin</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Name: Sam Chaffin</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Title: Vice President</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">J.P. Morgan Securities LLC</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Accepted and
agreed to as of the date first above written, on behalf of themselves and the other several Underwriters named in <U>Schedule
A</U> hereto.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">Morgan Stanley&nbsp;&amp; Co. LLC</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 35%">&nbsp;</TD>
    <TD STYLE="width: 60%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">Barclays Capital Inc.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">FHN Financial Securities Corp.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">Goldman Sachs&nbsp;&amp; Co. LLC</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">J.P. Morgan Securities LLC</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1px solid; padding-left: 36pt">/s/ Stephen L. Sheiner</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Name: Stephen L. Sheiner</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Title: Executive Director</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1px solid">Underwriter</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="text-align: center; border-bottom: Black 1px solid">Principal<BR> Amount of<BR> 2023 Notes</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="text-align: center; border-bottom: Black 1px solid">Principal<BR>
Amount of<BR>
2025 Notes</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="width: 70%; text-align: left">Morgan Stanley&nbsp;&amp; Co. LLC</TD><TD STYLE="width: 4%">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: right">$</TD><TD STYLE="width: 8%; text-align: right">112,500,000</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 4%">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: right">$</TD><TD STYLE="width: 8%; text-align: right">87,500,000</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">Barclays Capital Inc.</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">90,000,000</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">70,000,000</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: left">FHN Financial Securities Corp.</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">67,500,000</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">52,500,000</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">Goldman Sachs&nbsp;&amp; Co. LLC</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">90,000,000</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">70,000,000</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: left; padding-bottom: 1px">J.P. Morgan Securities LLC</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: right">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">90,000,000</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: right">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">70,000,000</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 3px; padding-left: 10pt">Total</TD><TD STYLE="padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; text-align: right">$</TD><TD STYLE="border-bottom: Black 3px double; text-align: right">450,000,000</TD><TD STYLE="border-bottom: Black 3px double; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; text-align: right">$</TD><TD STYLE="border-bottom: Black 3px double; text-align: right">350,000,000</TD><TD STYLE="border-bottom: Black 3px double; text-align: left">&nbsp;</TD></TR>
</TABLE>


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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>Permitted Free
Writing Prospectuses</U></P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 18pt; text-indent: -18pt">Debt
Investor Presentation, dated May 20, 2020.</P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>SCHEDULE
C</U></B></P>

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">FTRE Holding, LLC<BR>
First Horizon TE1, LLC<BR>
First Horizon Bank</P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>EXHIBIT
A</U></B></P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>Final Term
Sheet</U></P>

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

<P STYLE="font: 9.96pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Filed Pursuant to Rule 433<BR>
Registration No. 333-229338</B></P>

<P STYLE="font: 9.96pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<P STYLE="font: 9.96pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>First Horizon National Corporation</B></P>

<P STYLE="font: 9.96pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 9.96pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>$800,000,000</B></P>

<P STYLE="font: 9.96pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 9.96pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>3.550% Senior Notes due 2023</B></P>

<P STYLE="font: 9.96pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 9.96pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>4.000% Senior Notes due 2025</B></P>

<P STYLE="font: 9.96pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 9.96pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Term Sheet</B></P>

<P STYLE="font: 9.96pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 9.96pt Times New Roman, Times, Serif; margin: 0pt 0">This term sheet supplements the information set forth under
&ldquo;Description of the Notes&rdquo; in the preliminary prospectus supplement dated May 20, 2020 and the accompanying prospectus
dated January 23, 2019.</P>

<P STYLE="font: 9.96pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9.96pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Terms Relating to the 3.550% Senior Notes due 2023</I></B></P>

<P STYLE="font: 9.96pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 9.96pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 27%">Title of Security:</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 71%; text-align: justify">3.550% Senior Notes due 2023 (the &ldquo;2023 Notes&rdquo;)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Maturity Date:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">May 26, 2023</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Principal Amount:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">$450,000,000</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Coupon:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">3.550%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Benchmark Treasury:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">0.125% due May 15, 2023</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Benchmark Treasury Price and Yield:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">$99-23 &frac34; ; 0.212%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Re-offer Spread to Benchmark:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">+335 bps</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Re-offer Yield:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">3.562%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Public Offering Price:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">99.966% of principal amount</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Discounts and Commissions:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">0.25%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Net Proceeds to Issuer (before expenses):</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">$448,722,000</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">Interest Payment Dates:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify">Semi-annually on May 26 and November 26, commencing November 26, 2020. If an interest payment
    date falls on a day that is not a business day, interest will be paid on the next succeeding business day and no interest
    will be payable as a result of that delay.</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Day Count Convention:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">30 / 360</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">Redemption:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify">The issuer may redeem the Notes, in whole or in part, on or after April 26, 2023 (one month
    prior to maturity) at 100% of the principal amount of the Notes, plus accrued and unpaid interest to, but not including, the
    date of redemption.</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Minimum Denominations / Multiples:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">$2,000 / $1,000</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>CUSIP:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">320517AC9</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>ISIN:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">US320517AC95</TD></TR>
</TABLE>

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<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3"><B><I>Terms Relating to the 4.000% Senior Notes due 2025</I></B></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 27%">Title of Security:</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 71%; text-align: justify">4.000% Senior Notes due 2025 (the &ldquo;2025 Notes&rdquo; and, together with the 2023 Notes, the (&ldquo;Notes&rdquo;))</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Maturity Date:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">May 26, 2025</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Principal Amount:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">$350,000,000</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Coupon:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">4.000%</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Benchmark Treasury:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">0.375% due April 30, 2025</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Benchmark Treasury Price and Yield:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">$100-06 &frac14; ; 0.335%</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Re-offer Spread to Benchmark:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">+375 bps</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Re-offer Yield:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">4.085%</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Public Offering Price:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">99.619% of principal amount</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Discounts and Commissions:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">0.35%</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Net Proceeds to Issuer (before expenses):</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">$347,441,500</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Interest Payment Dates:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">Semi-annually on May 26 and November 26, commencing November 26, 2020. If an interest payment date falls on a day that
    is not a business day, interest will be paid on the next succeeding business day and no interest will be payable as a result
    of that delay.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Day Count Convention:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">30 / 360</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Redemption:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">The issuer may redeem the Notes, in whole or in part, on or after April 26, 2025 (one month prior to maturity) at 100%
    of the principal amount of the Notes, plus accrued and unpaid interest to, but not including, the date of redemption.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Minimum Denominations / Multiples:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">$2,000 / $1,000</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>CUSIP:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">320517AD7</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>ISIN:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">US320517AD78</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3"><B><I>Terms Applicable to Both Series of Notes</I></B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Issuer:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">First Horizon National Corporation</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Type of Offering:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">SEC Registered</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Expected Security Ratings*:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">Baa3 (stable) / BBB (stable) (Moody&rsquo;s / Fitch)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Trade Date:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">May 20, 2020</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Settlement Date**:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">May 26, 2020 (T+3 days)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Joint Bookrunning Managers:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">Morgan Stanley&nbsp;&amp; Co. LLC</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">Barclays Capital Inc.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">FHN Financial Securities Corp.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">Goldman Sachs&nbsp;&amp; Co. LLC</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">J.P. Morgan Securities LLC</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Concurrent Offering</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">Concurrently with the offering of the Notes we are offering $150 million in aggregate liquidation preference of depositary
    shares (or $172.5 million in aggregate liquidation preference if the underwriters exercise their overallotment option in full)
    representing a fractional interest in a share of non-cumulative perpetual preferred stock. The offering of the Notes is not</TD></TR>
</TABLE>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 9.96pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 27%">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="text-align: justify; width: 71%">conditioned on the offering of the depositary
shares or vice versa.</TD></TR>
</TABLE>

<P STYLE="font: 9.96pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 9.96pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">* A securities rating is not a recommendation
to buy, sell or hold securities and may be subject to revision or withdrawal at any time.</P>

<P STYLE="font: 9.96pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 9.96pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">**The issuer expects that delivery of the
Notes will be made against payment therefor on or about the third business day following the date of pricing of the Notes (this
settlement cycle being referred to as &ldquo;T+3&rdquo;). Accordingly, purchasers who wish to trade the Notes on the date of pricing
will be required, by virtue of the fact that the Notes initially will settle in T+3, to specify an alternate settlement cycle at
the time of any such trade to prevent a failed settlement. Purchasers of the Notes who wish to trade their Notes on the date of
pricing should consult their own advisors.</P>

<P STYLE="font: 9.96pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 9.96pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The issuer has filed a registration
statement (including a prospectus) with the Securities and Exchange Commission, or SEC, for the offering to which this communication
relates. Before you invest, you should read the preliminary prospectus supplement, the accompanying prospectus and the other documents
the issuer has filed with the SEC for more complete information about the issuer and this offering. You may get these documents
for free by visiting EDGAR on the SEC web site at www.sec.gov. Alternatively, the issuer, any underwriter or any dealer participating
in the offering will arrange to send you these documents if you request them by contacting Morgan Stanley&nbsp;&amp; Co. LLC at 1-866-718-1649,
Barclays Capital Inc. at 1-888-603-5847, FHN Financial Securities Corp. at 1-800-456-5460, Goldman Sachs&nbsp;&amp; Co. LLC at 1-866-471-2526
or J.P. Morgan Securities LLC at 1-212-834-4533.</B></P>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>Opinion of
Sullivan&nbsp;&amp; Cromwell LLP</U></P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 12pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 65%">&nbsp;</TD>
    <TD STYLE="width: 35%">May [&#9679;], 2020</TD></TR>
</TABLE>


<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 288pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Morgan Stanley&nbsp;&amp; Co. LLC<BR>
Barclays Capital Inc.<BR>
FHN Financial Securities Corp.<BR>
Goldman Sachs&nbsp;&amp; Co. LLC<BR>
J.P. Morgan Securities LLC</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 24pt">As Representatives of the several Underwriters,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 24pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 24pt">c/o Morgan Stanley&nbsp;&amp; Co. LLC,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 48pt">1585 Broadway,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">New York, New York 10036,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 24pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 24pt">c/o Barclays Capital Inc.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 48pt">745 Seventh Avenue,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">New York, New York 10019,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 24pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 24pt">c/o FHN Financial Securities Corp.,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 48pt">845 Crossover Lane, Suite 150,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">Memphis, Tennessee 38117.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 21.6pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 42pt">c/o Goldman Sachs&nbsp;&amp; Co. LLC,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 48pt">200 West Street,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">New York, New York 10282,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 21.6pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 42pt">c/o J.P. Morgan Securities LLC,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 80pt">383 Madison Avenue,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 108pt">New York, New York 10179.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Ladies and Gentlemen:</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">In connection with the several purchases
today by you and the other Underwriters named in Schedule A to the Underwriting Agreement, dated May [&#9679;],
2020 (the &#8220;Underwriting Agreement&#8221;), between First Horizon National Corporation, a Tennessee corporation (the &#8220;Company&#8221;),
and you, as Representatives of the several Underwriters named therein (the &#8220;Underwriters&#8221;), of (i) $[&#9679;]
principal amount of the Company&#8217;s [&#9679;]% Senior Notes due [&#9679;]
and (ii) $[&#9679;] principal amount of the Company&#8217;s</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">[&#9679;]% Senior
Notes due [&#9679;] (together, the &#8220;Securities&#8221;) issued pursuant to the
Indenture, dated as of December 20, 2010, as supplemented by the Supplemental Indenture No. 1, dated as of May [&#9679;],
2020 (together, the &#8220;Indenture&#8221;), between the Company and The Bank of New York Mellon Trust Company, N.A., as Trustee
(the &#8220;Trustee&#8221;), we, as counsel for the Company, have examined such corporate records, certificates and other documents,
and such questions of law, as we have considered necessary or appropriate for the purposes of this opinion. Upon the basis of such
examination, it is our opinion that:</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company has been duly
incorporated and is an existing corporation in good standing under the laws of the State of Tennessee.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Indenture has been duly
authorized, executed and delivered by the Company and duly qualified under the Trust Indenture Act of 1939; the Securities have
been duly authorized, executed, authenticated, issued and delivered; and the Indenture and the Securities constitute valid and
legally binding obligations of the Company enforceable in accordance with their terms, subject to bankruptcy, insolvency, fraudulent
transfer, reorganization, moratorium and similar laws of general applicability relating to or affecting creditors&rsquo; rights
and to general equity principles.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(3)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All regulatory consents,
authorizations, approvals and filings required to be obtained or made by the Company under the Covered Laws for the issuance, sale
and delivery of the Securities by the Company to the Underwriters have been obtained or made.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The execution and delivery
by the Company of the Underwriting Agreement and the Securities do not, and the performance by the Company of its obligations thereunder
will not, (a) violate the Restated Charter or Bylaws of the Company, in each case as in effect on the date hereof, (b) result in
a default under or breach of the agreements filed as exhibit nos. 10.1(a) through 10.8(h), inclusive, to the Company&rsquo;s Annual
Report on Form 10-K for the fiscal year ended December 31, 2019, (c) violate the court or government agency orders listed in the
Officer&rsquo;s Certificate, dated the date hereof, of Charles T. Tuggle, Jr., Executive Vice President and General Counsel of
the Company (none are listed), or (d) violate any Covered Laws.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(6)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Underwriting Agreement
has been duly authorized, executed and delivered by the Company.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(7)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company is not and, after
giving effect to the offering and sale of the Securities and the application of the proceeds thereof as described in the Prospectus
(as defined in the Underwriting Agreement), would not be on the date hereof an &ldquo;investment company&rdquo; as defined in the
Investment Company Act of 1940.</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">We are expressing no opinion in paragraphs
(3) and (4) above, insofar as performance by the Company of its obligations under the Underwriting Agreement, the Securities and
the Indenture is concerned, as to bankruptcy, insolvency, fraudulent transfer, reorganization, moratorium and similar laws of general
applicability relating to or affecting creditors&rsquo; rights. Also, for purposes of the opinions in paragraphs (3) and (4) above,
&ldquo;Covered Laws&rdquo; means the laws of the State of New York (including the published rules or regulations thereunder) that
in our experience normally are applicable to general business corporations and the issuance, sale and delivery of the Securities;
<U>provided</U>, <U>however</U>, that such term does not include state securities laws, antifraud laws or fraudulent transfer laws,
tax laws, antitrust laws or any law that is applicable to the Company, the Underwriting Agreement, the Securities, the Indenture
or the transactions contemplated thereby solely as part of a regulatory regime applicable to the Company or its affiliates due
to its or their status, business or assets.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">The foregoing opinion is limited to the Federal
laws of the United States, the laws of the State of New York and the laws of the State of Tennessee, and we are expressing no opinion
as to the effect of the laws of any other jurisdiction. With respect to all matters of Tennessee law, including the interpretation
of the agreements governed by Tennessee law and covered by our opinion in paragraph (4)(b), we have relied upon the opinion, dated
the date hereof, of Charles T. Tuggle, Jr., Executive Vice President and General Counsel of the Company, delivered to you pursuant
to Section 6(b) of the Underwriting Agreement, and our opinion is subject to the same assumptions, qualifications and limitations
with respect to such matters as are contained in such opinion of Charles T. Tuggle, Jr.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">We have also relied as to certain matters
upon information obtained from public officials, officers of the Company and other sources believed by us to be responsible, and
we have assumed that the Indenture has been duly authorized, executed and delivered by the Trustee, that the Securities conform
to the specimen thereof examined by us, that the Trustee&rsquo;s certificates of authentication of the Securities have been signed
by one of the Trustee&rsquo;s authorized officers, and that the signatures on all documents examined by us are genuine, assumptions
which we have not independently verified.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">This letter is furnished by us, as counsel
to the Company, to you, as Representatives of the Underwriters, solely for the benefit of the Underwriters in their capacity as
such, and may not be relied upon by any other person without our written consent. This letter may not be quoted, referred to or
furnished to any purchaser or prospective purchaser of the Securities and may not be used in furtherance of any offer or sale of
the Securities<B>.</B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 12pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 65%">&nbsp;</TD>
    <TD STYLE="width: 35%">Very truly yours,</TD></TR>
</TABLE>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Officer&rsquo;s Certificate as to Court
Orders</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">I, Charles T. Tuggle, Jr., Executive Vice President and General
Counsel of First Horizon National Corporation, a Tennessee corporation (the &ldquo;Company&rdquo;), solely in my capacity as an
officer of the Company, hereby certify after conducting a reasonable investigation that, to the best of my knowledge, neither the
Company nor any of its subsidiaries nor any of their properties are subject to any court or governmental agency order that may
affect the execution and delivery by the Company of (i) $[&#9679;] principal amount of [&#9679;]% Senior Notes due 20[&#9679;]
and (ii) $[&#9679;] principal amount of the Company&#8217;s [&#9679;]%
Senior Notes due [&#9679;], and the Underwriting Agreement, dated May [&#9679;], 2020
(the &#8220;Underwriting Agreement&#8221;), between the Company and Morgan Stanley&nbsp;&amp; Co. LLC, Barclays Capital Inc., FHN
Financial Securities Corp., Goldman Sachs&nbsp;&amp; Co. LLC and J.P. Morgan Securities LLC, as the Representatives of the several
Underwriters listed in Schedule A thereto, or the Company&#8217;s performance of its obligations thereunder.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">IN WITNESS WHEREOF, I have hereunto signed
my name.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Charles T. Tuggle, Jr.<BR>
Executive Vice President and General Counsel<BR>
First Horizon National Corporation</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Dated: May ____, 2020</P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 65%; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 35%; font: 12pt Times New Roman, Times, Serif">May [&#9679;], 2020</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Morgan Stanley&nbsp;&amp; Co. LLC<BR>
Barclays Capital Inc.<BR>
FHN Financial Securities Corp.<BR>
Goldman Sachs&nbsp;&amp; Co. LLC<BR>
J.P. Morgan Securities LLC</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 24pt">As Representatives of the several Underwriters,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 24pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 24pt">c/o Morgan Stanley&nbsp;&amp; Co. LLC,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 48pt">1585 Broadway,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">New York, New York 10036,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 24pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 24pt">c/o Barclays Capital Inc.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 48pt">745 Seventh Avenue,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">New York, New York 10019,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 24pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 24pt">c/o FHN Financial Securities Corp.,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 48pt">845 Crossover Lane, Suite 150,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">Memphis, Tennessee 38117.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 21.6pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 42pt">c/o Goldman Sachs&nbsp;&amp; Co. LLC,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 48pt">200 West Street,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">New York, New York 10282,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 21.6pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 42pt">c/o J.P. Morgan Securities LLC,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 80pt">383 Madison Avenue,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 108pt">New York, New York 10179.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Ladies and Gentlemen:</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">This is with reference to the registration
under the Securities Act of 1933 (the &ldquo;Securities Act&rdquo;) and offering of (i) $[&#9679;]
principal amount of [&#9679;]% Senior Notes due [&#9679;]
and (ii) $[&#9679;] principal amount of [&#9679;]%
Senior Notes due [&#9679;] (together, the &#8220;Securities&#8221;) of First Horizon
National Corporation (the &#8220;Company&#8221;).</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">The Registration Statement relating to the
Securities (File No. 333-229338) was filed on Form S-3 in accordance with procedures of the Securities and Exchange Commission
(the &ldquo;Commission&rdquo;) permitting a delayed or continuous offering</P>

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<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 50%">
        <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Morgan Stanley&nbsp;&amp; Co. LLC</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Barclays Capital Inc.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">FHN Financial Securities Corp.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Goldman Sachs&nbsp;&amp; Co. LLC</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">J.P. Morgan Securities LLC</P>

</TD>
    <TD STYLE="width: 50%; font: 12pt Times New Roman, Times, Serif; text-align: right">-2-</TD></TR>
</TABLE>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">of securities pursuant thereto and, if appropriate, a post-effective
amendment, document incorporated by reference therein or prospectus supplement that provides information relating to the terms
of the securities and the manner of their distribution. The Securities have been offered by the Prospectus, dated January 23, 2019
(the &ldquo;Basic Prospectus&rdquo;), as supplemented by the Prospectus Supplement, dated May [&#9679;],
2020 (the &#8220;Prospectus Supplement&#8221;), which updates or supplements certain information contained in the Basic Prospectus.
The Basic Prospectus, as supplemented by the Prospectus Supplement, does not necessarily contain a current description of the Company&#8217;s
business and affairs since it provides information as of its date and, pursuant to Form S-3, it incorporates by reference certain
documents filed with the Commission that contain information as of various dates.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">As counsel to the Company, we reviewed the
Registration Statement, the Basic Prospectus, the Prospectus Supplement and the documents listed in Schedule A (those listed documents,
taken together with the Basic Prospectus, being referred to herein as the &ldquo;Pricing Disclosure Package&rdquo;) and participated
in discussions with your representatives and those of the Company, its accountants and its counsel and discussions with your representatives
and those of IBERIABANK Corporation (&ldquo;IBKC&rdquo;) and its accountants. Between the date of the Prospectus Supplement and
the time of delivery of this letter, we participated in further discussions with your representatives and those of the Company,
its accountants and its counsel (but not representatives of IBKC and its accountants), concerning certain matters relating to the
Company and reviewed certificates of certain officers of the Company, a letter addressed to you from the Company&rsquo;s accountants
and an opinion addressed to you from the Company&rsquo;s counsel. On the basis of the information that we gained in the course
of the performance of the services referred to above, considered in the light of our understanding of the applicable law (including
the requirements of Form S-3 and the character of prospectus contemplated thereby) and the experience we have gained through our
practice under the Securities Act, we confirm to you that, in our opinion, the Registration Statement, as of the date of the Prospectus
Supplement, and the Basic Prospectus, as supplemented by the Prospectus Supplement, as of the date of the Prospectus Supplement,
appeared on their face to be appropriately responsive, in all material respects relevant to the offering of the Securities, to
the requirements of the Securities Act, the Trust Indenture Act of 1939 and the applicable rules and regulations of the Commission
thereunder. Also, we confirm to you that the statements contained in the Registration Statement, the Basic Prospectus, the Prospectus
Supplement and the Pricing Disclosure Package under the caption &ldquo;Description of Debt Securities&rdquo; in the Basic Prospectus
and &ldquo;Description of the Notes&rdquo;, &ldquo;United States Taxation&rdquo; and &ldquo;Underwriting (Conflicts of Interest)&rdquo;
in the Prospectus Supplement, insofar as they relate to provisions of the Securities, the Indenture under which the Securities
are being issued and the Underwriting Agreement therein described</P>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 12pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 50%">
        <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Morgan Stanley&nbsp;&amp; Co. LLC</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Barclays Capital Inc.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">FHN Financial Securities Corp.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Goldman Sachs&nbsp;&amp; Co. LLC</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">J.P. Morgan Securities LLC</P>

</TD>
    <TD STYLE="width: 50%; font: 12pt Times New Roman, Times, Serif; text-align: right">-3-</TD></TR>
</TABLE>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">and insofar as they relate to provisions of United States Federal
income tax law therein described, constitute a fair and accurate summary of such provisions in all material respects.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">Further, nothing that came to our attention
in the course of such review has caused us to believe that, insofar as relevant to the offering of the Securities,</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;the Registration Statement,
as of the date of the Prospectus Supplement, contained any untrue statement of a material fact or omitted to state any material
fact required to be stated therein or necessary to make the statements therein not misleading, or</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;the Pricing Disclosure Package,
as of [&#9679;] on May [&#9679;], 2020
(which you have informed us is prior to the time of the first sale of the Securities by any Underwriter), contained any untrue
statement of a material fact or omitted to state any material fact necessary in order to make the statements therein, in the light
of the circumstances under which they were made, not misleading, or</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;the Basic Prospectus, as
supplemented by the Prospectus Supplement, as of the date of the Prospectus Supplement, contained any untrue statement of a material
fact or omitted to state any material fact necessary in order to make the statements therein, in the light of the circumstances
under which they were made, not misleading.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">We also advise you that nothing that came
to our attention in the course of the procedures described in the second sentence of the preceding paragraph has caused us to believe
that, insofar as relevant to the offering of the Securities, the Basic Prospectus, as supplemented by the Prospectus Supplement,
as of the time of delivery of this letter, contained any untrue statement of a material fact or omitted to state any material fact
necessary in order to make the statements therein, in the light of the circumstances under which they were made, not misleading.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">The Registration Statement, the Basic Prospectus,
the Prospectus Supplement and the Pricing Disclosure Package also includes audited financial statements of IBKC and the related
report of IBKC&rsquo;s independent registered public accounting firm and certain other information of IBKC (the &ldquo;IBKC Information&rdquo;).
While IBKC is a party to a merger agreement with the Company, they are not a subsidiary of the Company, controlled by the Company
or a client of our firm. Thus, the procedures we performed as to the IBKC Information was necessarily more limited than with respect
to the Company, as is customary in these types of circumstances.</P>

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<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 50%">
        <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Morgan Stanley&nbsp;&amp; Co. LLC</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Barclays Capital Inc.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">FHN Financial Securities Corp.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Goldman Sachs&nbsp;&amp; Co. LLC</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">J.P. Morgan Securities LLC</P>

</TD>
    <TD STYLE="width: 50%; font: 12pt Times New Roman, Times, Serif; text-align: right">-4-</TD></TR>
</TABLE>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">The limitations inherent in the independent
verification of factual matters and the character of determinations involved in the registration process are such, however, that
we do not assume any responsibility for the accuracy, completeness or fairness of the statements contained in the Registration
Statement, the Basic Prospectus, the Prospectus Supplement or the Pricing Disclosure Package, except to the extent specifically
noted in the last sentence of the third preceding paragraph. Also, we do not express any opinion or belief as to the financial
statements or other financial data derived from accounting records of either the Company or IBKC contained in the Registration
Statement, the Basic Prospectus, the Prospectus Supplement or the Pricing Disclosure Package, or as to management&rsquo;s report
of its assessment of the effectiveness of the Company&rsquo;s internal control over financial reporting or the auditors&rsquo;
report as to the Company&rsquo;s internal control over financial reporting, all as included in the Registration Statement, the
Basic Prospectus, the Prospectus Supplement or the Pricing Disclosure Package or as to the statement of the eligibility of the
Trustee under the Indenture under which the Securities are being issued.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">This letter is furnished by us, as counsel
to the Company, to you, as Representatives of the several Underwriters, solely for the benefit of the Underwriters in their capacity
as such, and may not be relied upon by any other person without our written consent. This letter may not be quoted, referred to
or furnished to any purchaser or prospective purchaser of the Securities and may not be used in furtherance of any offer or sale
of the Securities.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 12pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 65%; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 35%; font: 12pt Times New Roman, Times, Serif">Very truly yours,</TD></TR>
</TABLE>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Preliminary Prospectus Supplement, dated May [&#9679;],
2020, including the Prospectus, dated January 23, 2019, filed with the Commission on May [&#9679;],
2020 pursuant to Rule 424 under the Securities Act.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Final Term Sheet, dated May [&#9679;],
2020, filed with the Commission by the Company on May [&#9679;], 2020 pursuant to
Rule 433 under the Securities Act.</P>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Opinion of Charles
T. Tuggle, Jr.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 12pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 65%; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 35%; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 12pt">May [&#9679;], 2020</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Morgan Stanley&nbsp;&amp; Co. LLC<BR>
Barclays Capital Inc.<BR>
FHN Financial Securities Corp.<BR>
Goldman Sachs&nbsp;&amp; Co. LLC<BR>
J.P. Morgan Securities LLC</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">As Representatives of the several Underwriters,</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">c/o Morgan Stanley&nbsp;&amp; Co. LLC,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">1585 Broadway,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.5in">New York, New York 10036,</P>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">745 Seventh Avenue,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.5in">New York, New York 10019,</P>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">845 Crossover Lane, Suite 150,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.5in">Memphis, Tennessee 38117.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">c/o Goldman Sachs&nbsp;&amp; Co. LLC,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">200 West Street,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.5in">New York, New York 10282,</P>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">383 Madison Avenue,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.5in">New York, New York 10179.</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Ladies and Gentlemen:</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">As Executive Vice President and General Counsel
of First Horizon National Corporation, a Tennessee corporation (the &ldquo;Company&rdquo;), I am familiar with the Registration
Statement, the preliminary prospectus supplement of the Company, dated May [&#9679;],
2020 (including the basic prospectus attached thereto and the documents incorporated by reference therein, the &#8220;<U>Pre-Pricing
Prospectus</U>&#8221;), the Prospectus and the Prospectus Supplement relating to the public offering of (i) $[&#9679;]
principal amount of [&#9679;]% Senior Notes due [&#9679;]
and (ii) $[&#9679;] principal amount of [&#9679;]%
Senior Notes due [&#9679;] (together, the &#8220;Securities&#8221;) of the Company,
issued pursuant to an Indenture, dated as of December 20, 2010, as supplemented by the Supplemental Indenture No. 1, dated as of
May [&#9679;], 2020 (together, the &#8220;Indenture&#8221;), between the Company and
The Bank of New York Mellon Trust Company, N.A., as Trustee (the &#8220;Trustee&#8221;). The Securities are being offered and sold
pursuant to an Underwriting Agreement, dated May [&#9679;], 2020 (&#8220;Underwriting
Agreement&#8221;), between the Company and you, as Representatives of the several Underwriters listed on Schedule A thereto (the
&#8220;Underwriters&#8221;). I submit this opinion to you pursuant to Section 6(b) of the Underwriting Agreement.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">Capitalized terms not defined herein shall
have the respective meanings assigned thereto in the Underwriting Agreement.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">I or persons acting under my supervision
have examined the originals or copies, certified or otherwise identified to my satisfaction, of the Restated Charter of the Company,
the Bylaws, as amended, of the Company, minutes and records of corporate proceedings of the Company, including, but not limited
to, resolutions adopted on January 26, 2016 and October 23, 2018 at meetings of the Board of Directors of the Company, resolutions
adopted on May 14, 2020 by unanimous written consent of the Board of Directors and resolutions duly adopted by the Pricing Committee
of the Board of Directors of the Company on May [&#9679;], 2020, the Registration Statement, the Pre-Pricing Prospectus, the Prospectus,
the Underwriting Agreement, the Indenture, and such other corporate records, certificates and other documents, and such questions
of law, as I or persons acting under my supervision have considered necessary or appropriate for purposes of this opinion. In rendering
such opinion, with your approval, I relied upon the accuracy of all statements of fact contained therein, and I have relied to
the extent I deem such reliance appropriate as to certain matters of fact on statements, representations and other information
obtained from public officials, officers of the Company and such other sources believed by me to be responsible, but I have not
independently verified the accuracy, completeness or fairness of the statements or representations contained in such documents,
except as set forth in paragraph 15.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">Based upon the foregoing and subject to the
limitations and qualifications set forth herein, it is my opinion that:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 24pt"><FONT STYLE="font-weight: normal">(1)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-weight: normal">The Company has been duly incorporated and is validly existing
as a corporation in good standing under the laws of the State of Tennessee, with full corporate power and authority to own, lease
and operate its properties and conduct its business as described in the Registration Statement, the Pre-Pricing Prospectus and
the Prospectus, to execute and deliver the Underwriting Agreement and the Indenture and to perform its obligations</FONT></TD></TR></TABLE>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 24pt; text-align: justify; text-indent: 0pt"><FONT STYLE="font-weight: normal">thereunder,
including, without limitation, to issue, sell and deliver the Securities as contemplated by the Underwriting Agreement.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 21.6pt; text-align: justify; text-indent: 0pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 24pt"><FONT STYLE="font-weight: normal">(2)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-weight: normal">The Company has been duly registered as a bank holding company
under the Bank Holding Company Act of 1956, as amended.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 24pt"><FONT STYLE="font-weight: normal">(3)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-weight: normal">To the best of my knowledge and other than as set forth in the
Registration Statement, the Pre-Pricing Prospectus or the Prospectus, the Company and each of its Significant Subsidiaries is in
compliance with all laws administered by and regulations applicable to it of any Regulator and of any other federal or state agency
or authority with jurisdiction over it except where failure to so comply would not result in a Material Adverse Effect. To the
best of my knowledge and other than as set forth in the Registration Statement, the Pre-Pricing Prospectus or the Prospectus, neither
the Company nor any of its Significant Subsidiaries is a party to or otherwise subject to any consent decree, memorandum of understanding,
written commitment or other supervisory agreement with any Regulator or any other federal or state agency or authority, nor has
the Company or any of its Significant Subsidiaries been advised by any Regulator or any other federal or state agency or authority
that it is contemplating issuing or requesting any of the foregoing except where being a party to or subject to such consent decree,
memorandum of understanding, written commitment or other supervisory agreement would not result in a Material Adverse Effect.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 24pt"><FONT STYLE="font-weight: normal">(4)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-weight: normal">First Horizon Bank (the &ldquo;<U>Bank</U>&rdquo;) has been duly
organized and is validly existing as a state-chartered bank under the laws of the State of Tennessee. Each of the other Significant
Subsidiaries has been duly incorporated or formed and is validly existing as a corporation or limited liability company, as applicable,
in good standing under the laws of the jurisdiction of its incorporation or formation, with full corporate or limited liability
company power and authority to own, lease and operate its properties and to conduct its business as described in the Registration
Statement, the Pre-Pricing Prospectus and the Prospectus.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 24pt"><FONT STYLE="font-weight: normal">(5)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-weight: normal">The Company and the Significant Subsidiaries are each duly qualified
to do business as a foreign corporation and are in good standing in each jurisdiction where the ownership or leasing of their respective
properties or the conduct of their respective businesses requires such qualification, except where the failure to be so qualified
and in good standing would not, individually or in the aggregate, have a Material Adverse Effect.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 24pt"><FONT STYLE="font-weight: normal">(6)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-weight: normal">The Underwriting Agreement has been duly authorized, executed
and delivered by the Company.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 24pt"><FONT STYLE="font-weight: normal">(7)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-weight: normal">The Indenture has been duly authorized, executed and delivered
by the Company and duly qualified under the Trust Indenture Act of 1939, as amended (the &ldquo;Trust Indenture Act&rdquo;); the
Securities have been duly authorized, executed, authenticated, issued and delivered; and the Indenture and the Securities constitute
valid and legally binding obligations of the Company enforceable in accordance with their terms, subject to bankruptcy, insolvency,
fraudulent transfer, reorganization, moratorium and similar laws of general applicability relating to or affecting creditors&rsquo;
rights and to general equity principles.</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0%"></TD><TD STYLE="width: 24pt"><FONT STYLE="font-weight: normal">(8)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-weight: normal">All of the outstanding shares of capital stock or equity interests
of each of the Significant Subsidiaries have been duly authorized and validly issued, are fully paid and non-assessable and, except
as otherwise disclosed in the Registration Statement, the Pre-Pricing Prospectus and the Prospectus, are owned, directly or indirectly,
by the Company, in each case subject to no security interest, other encumbrance or adverse claim.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 24pt"><FONT STYLE="font-weight: normal">(9)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-weight: normal">The Bank is an insured bank under the applicable provisions of
the Federal Deposit Insurance Act, as amended, and no proceeding for the termination or revocation of such insurance is pending
or, to my knowledge, threatened against the Bank. The Bank has no subsidiaries that are depository institutions with deposits insured
under the provisions of the Federal Deposit Insurance Act, as amended.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 24pt"><FONT STYLE="font-weight: normal">(10)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-weight: normal">Each Incorporated Document, at the time such document was filed
with the Commission or at the time such document became effective, as applicable, complied as to form in all material respects
with the requirements of the Exchange Act (except as to the financial statements and schedules, and other financial data derived
from accounting records, contained in such document, and as to all the information and statements relating to IBERIABANK Corporation
(&ldquo;IBKC&rdquo;), as to which I express no opinion).</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 24pt"><FONT STYLE="font-weight: normal">(11)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-weight: normal">No governmental or regulatory approval, authorization, consent,
order or filing, or approval of or notice to the shareholders of the Company is required in connection with the execution, delivery
and performance of the Underwriting Agreement and the Indenture by the Company, the issuance and sale of the Securities or the
consummation by the Company of the transactions contemplated by the Underwriting Agreement, other than registration of the Securities
under the Act, which has been effected, and the qualification of the Indenture under the Trust Indenture Act, which has been effected
(except that I express no opinion as to any necessary qualification under the state securities or blue sky laws of the various
jurisdictions in which the Securities are being offered by the Underwriters and I express no opinion with respect to the Conduct
Rules of FINRA).</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 24pt"><FONT STYLE="font-weight: normal">(12)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-weight: normal">The execution, delivery and performance of the Underwriting Agreement
and the Indenture by the Company, the issuance and sale of the Securities and the consummation by the Company of the transactions
contemplated by the Underwriting Agreement do not and will not result in any breach or violation of or constitute a default under
nor constitute any event which, with notice, lapse of time or both, would result in any breach or violation of or constitute a
default under or give the holder of any indebtedness (or a person acting on such holder&rsquo;s behalf) the right to require the
repurchase, redemption or repayment of all or part of such indebtedness under or result in the creation or imposition of a lien,
charge or encumbrance on any property or assets of the Company or any Significant Subsidiary pursuant to (i) the charter or bylaws
of the Company or the organizational documents of any Significant Subsidiary, or (ii) any indenture, mortgage, deed of trust, bank
loan or credit agreement or other evidence of indebtedness, or any license, lease, contract or other agreement or instrument (collectively,
&ldquo;<U>Agreements and Instruments</U>&rdquo;) which is filed as an exhibit to the Registration Statement or any Incorporated
Document or is otherwise known by me to be an Agreement and Instrument to which the Company or any of the Significant Subsidiaries
is a party or by which the Company or any of the Significant Subsidiaries or</FONT></TD></TR></TABLE>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 24pt; text-align: justify; text-indent: 0pt"><FONT STYLE="font-weight: normal">any
of their respective properties may be bound or affected, or (iii) federal laws of the United States or the laws of the State of
Tennessee, or (iv) any decree, judgment or order applicable to the Company or any of the Significant Subsidiaries or any of their
respective properties, which decree, judgment or order is known by me, except in the case of (ii), (iii) or (iv) such breach, violation,
default, right to require, creation or imposition would not, individually or in the aggregate, have a Material Adverse Effect;
provided, however, that for purposes of clause (iii), I express no opinion as to federal or state securities laws, other anti-fraud
laws, fraudulent transfer laws, tax laws, antitrust laws or the Employee Retirement Income Security Act of 1974.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 21.6pt; text-align: justify; text-indent: 0pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 24pt"><FONT STYLE="font-weight: normal">(13)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-weight: normal">To my knowledge, there are no contracts, licenses, agreements,
leases or documents of a character which are required to be described in the Registration Statement, the Pre-Pricing Prospectus
or the Prospectus or to be filed as an exhibit to the Registration Statement or any Incorporated Document which have not been so
described or filed as required.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 24pt"><FONT STYLE="font-weight: normal">(14)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-weight: normal">To my knowledge, (i) the Company is not a party to any legal
or governmental action or proceeding that challenges the validity or enforceability, or seeks to enjoin the performance, of the
Underwriting Agreement; and (ii) there are no actions, suits, claims, investigations or proceedings pending or threatened to which
the Company or any Significant Subsidiary or any of their respective directors or officers is or would be a party or to which any
of their respective properties is or would be subject at law or in equity, before or by any federal, state, local or foreign governmental
or regulatory commission, board, body, authority or agency which are required to be described in the Registration Statement, the
Pre-Pricing Prospectus or the Prospectus but are not so described as required.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 24pt"><FONT STYLE="font-weight: normal">(15)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-weight: normal">The statements in the Registration Statement, the Pre-Pricing
Prospectus, the Prospectus and the Incorporated Documents under the headings &ldquo;Regulatory Considerations&rdquo;, &ldquo;Description
of Debt Securities&rdquo;, &ldquo;Description of the Notes&rdquo; and &ldquo;Underwriting (Conflicts of Interest)&rdquo;, insofar
as such statements constitute summaries of documents or legal proceedings or refer to matters of federal or Tennessee law or legal
conclusions applying federal or Tennessee law, are accurate and complete in all material respects and present fairly the information
purported to be shown.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 24pt"><FONT STYLE="font-weight: normal">(16)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-weight: normal">I or persons acting under my supervision have participated in
conferences with other officers and other representatives of the Company, representatives of the independent public accountants
of the Company, representatives of the Company&rsquo;s outside counsel, representatives of IBKC and its independent public accountants
and representatives of the Underwriters at which the contents of the Registration Statement, the Pre-Pricing Prospectus and the
Prospectus were discussed and, although I am not passing upon and do not assume responsibility for the accuracy, completeness or
fairness of the statements contained in the Registration Statement, the Pre-Pricing Prospectus, the Pricing Disclosure Package
(as defined below) or the Prospectus (except as and to the extent stated in paragraph 15 above), on the basis of these discussions,
nothing has come to my attention or to the attention of those lawyers under my supervision that causes me to believe that that
(i) the Registration Statement, at the Effective Time, contained an untrue statement of a material fact or omitted to state a material
fact required to be stated therein or necessary to make the statements</FONT></TD></TR></TABLE>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 24pt; text-align: justify; text-indent: 0pt"><FONT STYLE="font-weight: normal">therein
not misleading; (ii) the Pricing Disclosure Package, as of the Applicable Time (as defined below), included an untrue statement
of a material fact or omitted to state a material fact necessary in order to make the statements therein, in the light of the circumstances
under which they were made, not misleading or (iii) the Prospectus, as of the date of the Prospectus Supplement, or as of the date
hereof, included or includes an untrue statement of a material fact or omitted or omits to state a material fact necessary in order
to make the statements therein, in the light of the circumstances under which they were made, not misleading (it being understood
that I express no opinion in this paragraph 16 with respect to the financial statements and schedules, other financial data derived
from accounting records or the information or statements relating to IBKC, included in the Registration Statement, the Pre-Pricing
Prospectus, the Pricing Disclosure Package, the Prospectus Supplement, the Prospectus or Form T-1). As used herein, (A) &ldquo;<U>Applicable
Time</U>&rdquo; means [&#9679;], New York City time, on May [&#9679;],
2020 (which you have informed me is prior to the time of the first sale of Securities by any Underwriter) and (B) &#8220;<U>Pricing
Disclosure Package</U>&#8221; means the Pre-Pricing Prospectus, taken together with the Final Term Sheet, dated May [&#9679;],
2020.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 21.6pt; text-align: justify; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">The opinions expressed herein are limited to the federal laws
of the United States, the laws of the State of Tennessee and the laws of the State of New York, and I am expressing no opinion
as to the effect of the laws of any other jurisdiction. Accordingly, as to all matters relating to or involving the application
of the laws of the State of New York, I have relied, with your consent, solely upon the opinion of Sullivan&nbsp;&amp; Cromwell<FONT STYLE="font-size: 10pt">
</FONT>LLP, dated the date hereof, and delivered to you pursuant to Section 6(a) of the Underwriting Agreement, and my opinion
is subject to the same assumptions, qualifications and limitations with respect to such matters as are contained in the opinion
of Sullivan&nbsp;&amp; Cromwell LLP.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">The opinions expressed herein are as of the
date hereof, and I assume no obligation to update any of the opinions for subsequent events or developments of any nature.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">This letter is furnished by me, solely in
my capacity as General Counsel of the Company, to you, as Representatives of the Underwriters, solely for the benefit of the Underwriters
in their capacity as such, and may not be relied upon by any other person without my written consent, except that Sullivan&nbsp;&amp;
Cromwell LLP and Simpson Thacher&nbsp;&amp; Bartlett LLP may rely on this opinion as to matters of Tennessee law. This letter may
not be quoted, referred to or furnished to any purchaser or prospective purchaser of the Securities and may not be used in furtherance
of any offer or sale of the Securities.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Yours very truly,</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Charles T. Tuggle, Jr.<BR>
Executive Vice President and General Counsel<BR>
First Horizon National Corporation</P>

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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">May 26, 2020</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">Each of the undersigned,
D. Bryan Jordan, President and Chief Executive Officer of First Horizon National Corporation, a Tennessee corporation (the &ldquo;<U>Company</U>&rdquo;),
and William C. Losch III, Executive Vice President and Chief Financial Officer of the Company, solely in his capacity as an officer
of the Company does hereby certify, to the best of his knowledge, pursuant to Section 6(h) of that certain Underwriting Agreement
dated May 20, 2020 (the &ldquo;<U>Underwriting Agreement</U>&rdquo;) between the Company and Morgan Stanley&nbsp;&amp; Co. LLC,
Barclays Capital Inc., FHN Financial Securities Corp., Goldman Sachs&nbsp;&amp; Co. LLC and J.P. Morgan Securities LLC, as representatives
of the several underwriters named in Schedule A thereto, that as of the date hereof:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">1.</TD><TD STYLE="text-align: justify">He has reviewed the Registration Statement,
                                         each Pre-Pricing Prospectus, the Prospectus and each Permitted Free Writing Prospectus.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">2.</TD><TD STYLE="text-align: justify">The representations and warranties of
                                         the Company as set forth in the Underwriting Agreement are true and correct, in all material
                                         respects (to the extent not otherwise qualified therein as to materiality or Material
                                         Adverse Effect), as of the date hereof and as if made on the date hereof.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">3.</TD><TD STYLE="text-align: justify">The Company has performed all of its
                                         obligations under the Underwriting Agreement, in all material respects (to the extent
                                         not otherwise qualified therein as to materiality or Material Adverse Effect), as are
                                         to be performed at or before the date hereof.</TD></TR></TABLE>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">Capitalized terms
used herein without definition shall have the respective meanings ascribed to them in the Underwriting Agreement.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><I>[Signature
Page Follows]</I></B></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt"><FONT STYLE="font-variant: small-caps">In
Witness Whereof</FONT>, the undersigned have signed their names as of the date first written above.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 50%">Name: D. Bryan Jordan</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 35pt; text-indent: -35pt">Title: Chairman of the Board, President and Chief Executive Officer</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Name: William C. Losch III</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 35pt; text-indent: -35pt">Title: Executive Vice President and Chief Financial Officer</TD></TR>
</TABLE>

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<DOCUMENT>
<TYPE>EX-4.1
<SEQUENCE>3
<FILENAME>c95905_ex4-1.htm
<TEXT>
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<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right"><B>Exhibit 4.1</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-transform: uppercase; text-align: center"><B>SUPPLEMENTAL INDENTURE
NO. 1</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">THIS SUPPLEMENTAL INDENTURE
NO. 1 (this &ldquo;Supplemental Indenture&rdquo;) is made as of May 26, 2020 between First Horizon National Corporation, a corporation
duly organized and existing under the laws of the State of Tennessee (herein called the &ldquo;Company&rdquo;), having its principal
office at 165 Madison Avenue, Memphis, Tennessee 38103, and The Bank of New York Mellon Trust Company, N.A., a national banking
association duly organized and existing under the laws of the United States of America, as Trustee (herein called the &ldquo;Trustee&rdquo;).</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">The Company and the Trustee
have heretofore executed an indenture dated as of December 20, 2010 (the &ldquo;Indenture&rdquo;). The Company and the Trustee
desire to amend a certain provision of the Indenture as hereinafter set forth.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">Section 901(5) of the Indenture
permits the Company, when authorized by a Board Resolution, and the Trustee, at any time and from time to time, to enter into one
or more supplemental indentures, in form satisfactory to the Trustee, without the consent of any Holders, to add, change or eliminate
any of the provisions of the Indenture in respect of one or more series of Securities, provided that any such addition, change
or elimination (A) shall neither (i) apply to any Security of any series created prior to the execution of such supplemental indenture
and entitled to the benefit of such provision nor (ii) modify the rights of the Holder of any such Security with respect to such
provision or (B) shall become effective only when there is no such Security Outstanding.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">NOW, THEREFORE, the Company
hereby covenants and agrees with the Trustee as follows:</P>

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-transform: uppercase; text-align: center; text-indent: 0pt">Article
I</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">Capitalized terms used but
not defined in this Supplemental Indenture shall have the meanings ascribed to them in the Indenture. References in this Supplemental
Indenture to Article or Section numbers shall be deemed reference numbers to Article or Section numbers in the Indenture.</P>

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-transform: uppercase; text-align: center; text-indent: 0pt">Article
II<BR>
<BR>
<FONT STYLE="text-transform: none">Amendments</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="text-transform: uppercase">Section
2.01&#9;</FONT><I>&nbsp;&nbsp;&nbsp;&nbsp;Amendment of Execution, Authentication, Delivery and Dating.</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">The first sentence of the
last paragraph of Section 303 (Execution, Authentication, Delivery and Dating) of the Indenture is hereby deleted and replaced
with the following:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">No Security shall be entitled
to any benefit under this Indenture or be valid or obligatory for any purpose unless there appears on such Security a certificate
of authentication substantially in the form provided for herein executed by the Trustee by manual or electronic signature, and
such certificate upon any Security shall be conclusive evidence, and the only evidence, that such Security has been duly authenticated
and delivered hereunder.</P>

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-transform: uppercase; text-align: center; text-indent: 0pt">Article
III<BR>
<BR>
<FONT STYLE="text-transform: none">Miscellaneous</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="text-transform: uppercase">Section
3.01&#9;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Execution as Supplemental Indenture.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0pt">-1-</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">This Supplemental Indenture
is executed and, once executed, immediately effective, and shall be construed as an indenture supplemental to the Indenture and,
as provided in the Indenture, this Supplemental Indenture shall form a part of the Indenture.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">Except as specifically amended
above, the Indenture shall remain in full force and effect and is hereby ratified and confirmed.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="text-transform: uppercase">Section
3.02&#9;</FONT>&#9;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Responsibility for Recitals.</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-align: justify; text-indent: 36pt">The recitals herein shall
be taken as statements of the Company, and the Trustee assumes no responsibility for the correctness thereof or for the validity
or sufficiency of this Supplemental Indenture.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="text-transform: uppercase">Section
3.03&#9;</FONT>&#9;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Governing Law.</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-align: justify; text-indent: 36pt">This Supplemental Indenture
shall be governed by and construed in accordance with the laws of the State of New York.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="text-transform: uppercase">Section
3.04&#9;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Conflicts.</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-align: justify; text-indent: 36pt">In the event of a conflict
between the terms and conditions of the Indenture and the terms and conditions of this Supplemental Indenture, the terms and conditions
of this Supplemental Indenture shall prevail.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="text-transform: uppercase">Section
3.05&#9;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;Counterparts.</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-align: justify; text-indent: 36pt">This Supplemental Indenture
may be executed in any number of counterparts, each of which shall be an original, but such counterparts shall together constitute
but one and the same instrument.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0pt">[<I>Signature page follows</I>]</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0pt">-2-</P>


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt"><FONT STYLE="text-transform: uppercase">in witness
whereof</FONT>, the parties hereto have caused this Supplemental Indenture to be duly executed.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 216pt">&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 COLSPAN="3"><FONT STYLE="font-size: 10pt">FIRST HORIZON NATIONAL CORPORATION</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 10pt"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1px solid; padding-bottom: 1pt; text-align: right"><FONT STYLE="font-size: 10pt">/s/</FONT>&nbsp;&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; padding-bottom: 1pt"><FONT STYLE="font-size: 10pt"> William C. Losch III</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 10%; padding-left: 10pt"><FONT STYLE="font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 35%"><FONT STYLE="font-size: 10pt">William C. Losch III</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 10pt"><FONT STYLE="font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Executive Vice President and<BR>
Chief Financial Officer</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 216pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 216pt; text-align: justify; text-indent: -211.5pt">Attest:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 216pt; text-align: justify; text-indent: -211.5pt">&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: 35%; border-bottom: Black 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">/s/ Clyde A. Billings, Jr.</FONT></TD>
    <TD STYLE="width: 65%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Clyde A. Billings, Jr.</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Senior Vice President, Assistant General <BR>
Counsel and Corporate Secretary</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 216pt">&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 COLSPAN="3"><FONT STYLE="font-size: 10pt">THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 10pt"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left"><FONT STYLE="font-size: 10pt">/s/ Shannon Matthews</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 10%; padding-left: 10pt"><FONT STYLE="font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="width: 35%; padding-left: 8pt"><FONT STYLE="font-size: 10pt">Shannon Matthews</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 10pt"><FONT STYLE="font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="padding-left: 8pt"><FONT STYLE="font-size: 10pt">Agent</FONT></TD></TR>
</TABLE>

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

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<DOCUMENT>
<TYPE>EX-4.2
<SEQUENCE>4
<FILENAME>c95905_ex4-2.htm
<TEXT>
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<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0pt 0;  text-align: right">Exhibit 4.2</P>

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

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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">May 26, 2020</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">Reference is made to
the Indenture, dated as of December 20, 2010, as supplemented by the Supplemental Indenture No. 1, dated as of May 20, 2020 (together,
the &ldquo;<U>Indenture</U>&rdquo;), between First Horizon National Corporation, a Tennessee corporation (the &ldquo;<U>Company</U>&rdquo;),
and The Bank of New York Mellon Trust Company, N.A., as trustee. Capitalized terms used herein and not defined shall have the meanings
ascribed to them in the Indenture.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">William C. Losch III,
Executive Vice President and Chief Financial Officer and Dane P. Smith, Treasurer of the Company, as Authorized Officers pursuant
to the resolutions adopted by the Board of Directors of the Company on January 26, 2016 attached hereto as <U>Annex A</U>, the
resolutions adopted by the Board of Directors of the Company on October 23, 2018 attached hereto as <U>Annex B</U> and the resolutions
duly adopted by the Board of Directors of the Company by unanimous written consent on May 14, 2020 attached hereto as <U>Annex
C</U>, the resolutions adopted by the Pricing Committee dated May 20, 2020 attached hereto as <U>Annex D</U> (such Board of Directors
and Pricing Committee resolutions and instruments being referred to herein collectively as the &ldquo;<U>Resolutions</U>&rdquo;),
hereby establish two series of securities under the Indenture with the following terms:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="color: #010000">1.</FONT></TD><TD STYLE="text-align: justify">Two series of securities are designated and shall be known as the Company&rsquo;s &ldquo;3.550%
Senior Notes due 2023&rdquo; (the &ldquo;2023 Notes&rdquo;) and &ldquo;4.000 % Senior Notes due 2025&rdquo; (the &ldquo;2025 Notes&rdquo;
and, together with the 2023 Notes, the &ldquo;Notes&rdquo;).</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="color: #010000">2.</FONT></TD><TD STYLE="text-align: justify">The aggregate principal amount of the 2023 Notes which may be initially authenticated and delivered
under the Indenture is $450,000,000 and the aggregate principal amount of the 2025 Notes which may be initially authenticated and
delivered under the Indenture is $350,000,000 (except, in each case, for Notes authenticated and delivered upon registration of
transfer of, or exchange for, or in lieu of, other Notes of or within the series pursuant to Section 304, 305, 306, 906 or 1107
of the Indenture); provided that the Company may from time to time, without notice to or the consent of the Holders of either series
of the Notes, create and issue further Securities of a series (the &ldquo;<U>Additional Securities</U>&rdquo;) having the same
terms and ranking equally and ratably with the applicable series of Notes in all respects and with the same CUSIP number as such
Notes, except for the payment of interest accruing prior to the issue date of such Additional Securities and/or except for the
first payment of interest following the issue date of such Additional Securities. Any Additional Securities will be consolidated
and form a single series with the applicable series of Notes and shall have the same terms as to status, redemption and otherwise
as such Notes.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="color: #010000">3.</FONT></TD><TD STYLE="text-align: justify">Interest will be payable to the Person in whose name a Note (or any Predecessor Securities) is
registered at the close of business on the Regular Record Date.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 12pt Times New Roman, Times, Serif"></P>


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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="color: #010000">4.</FONT></TD><TD STYLE="text-align: justify">The Stated Maturity of the principal amount of the 2023 Notes shall be May 26, 2023 and the 2025
Notes shall be May 26, 2025.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="color: #010000">5.</FONT></TD><TD STYLE="text-align: justify">The 2023 Notes will bear interest at the rate of 3.550% per annum; interest on the Notes will accrue
from May 26, 2020; the Interest Payment Dates on which such interest shall be payable are May 26 and November 26 of each year,
commencing on November 26, 2020; and the Regular Record Date for the interest payable on any Interest Payment Date is the close
of business on the April 11 or October 11 immediately preceding the relevant Interest Payment Date. Interest payable at Stated
Maturity will be paid to the Person to whom principal is payable on such date.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="color: #010000">6.</FONT></TD><TD STYLE="text-align: justify">The 2025 Notes will bear interest at the rate of 4.000% per annum; interest on the Notes will accrue
from May 26, 2020; the Interest Payment Dates on which such interest shall be payable are May 26 and November 26 of each year,
commencing on November 26, 2020; and the Regular Record Date for the interest payable on any Interest Payment Date is the close
of business on the April 11 and October 11 immediately preceding the relevant Interest Payment Date. Interest payable at Stated
Maturity will be paid to the Person to whom principal is payable on such date.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="color: #010000">7.</FONT></TD><TD STYLE="text-align: justify">Subject to Section 12 below, the principal of and interest on the Notes will be payable at the
office or agency of the Company maintained for that purpose pursuant to the Indenture, which shall be initially the corporate trust
office of the Trustee; provided, however, that at the option of the Company, such payment of interest may be made by check mailed
to the person entitled thereto as provided in the Indenture.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="color: #010000">8.</FONT></TD><TD STYLE="text-align: justify">The Notes are subject to redemption, at the option of the Company, in whole or, in the case of
Notes with a principal amount in excess of $2,000, in part, as provided in the forms of Global Note attached as <U>Annex E-1</U>
and<U> Annex E-2</U>.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="color: #010000">9.</FONT></TD><TD STYLE="text-align: justify">The Company shall not be obligated to redeem or purchase any Note pursuant to any sinking fund
or analogous provision, or at the option of any Holder thereof.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="color: #010000">10.</FONT></TD><TD STYLE="text-align: justify">The Notes shall be issued in denominations of $2,000 and integral multiples of $1,000 in excess
thereof.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="color: #010000">11.</FONT></TD><TD STYLE="text-align: justify">The Notes shall be subject to defeasance and covenant defeasance pursuant to Sections 1302 and
1303 of the Indenture, and those Sections shall be applicable in their entirety to the Notes.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="color: #010000">12.</FONT></TD><TD STYLE="text-align: justify">The Notes will be issued in the form of one or more fully registered Global Notes, in substantially
the forms of <U>Annex E-1</U> and<U> Annex E-2</U> hereto, which will be deposited with, or on behalf of, The Depository Trust
Company (&ldquo;DTC&rdquo;), as depositary, and registered in the name of Cede&nbsp;&amp; Co., DTC&rsquo;s nominee.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 12pt Times New Roman, Times, Serif"></P>


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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="color: #010000">13.</FONT></TD><TD STYLE="text-align: justify">The Notes and the authentication pages to the Notes may be executed in any number of counterparts,
each of which shall be deemed an original, but all of which shall constitute one and the same instrument. The Trustee may authenticate
the Note by manual or electronic signature. Electronically imaged signatures such as .pdf files, faxed signatures or other electronic
signatures to the Note and the authentication pages to the Note shall have the same effect as original signatures.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="color: #010000">14.</FONT></TD><TD STYLE="text-align: justify">The Notes will have the other terms and conditions set forth in the forms of Global Notes.</TD></TR></TABLE>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Remainder of page intentionally blank</I>]</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">IN WITNESS WHEREOF,
I have hereunto signed my name, as of the date first above written.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">FIRST HORIZON NATIONAL <BR>
CORPORATION</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1px solid">/s/ William C. Losch III</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 7%">Name:</TD>
    <TD STYLE="width: 38%">William C. Losch III</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>Executive Vice President and <BR>
Chief Financial Officer</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1px solid">/s/ Dane P. Smith</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD>Dane P. Smith</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>Senior Vice President and <BR>
Corporate Treasurer</TD></TR>
</TABLE>


<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page to Officers&rsquo; Certificate
under Section 301 of the Indenture</I>]&nbsp;</P>





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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">THIS SECURITY IS A GLOBAL
SECURITY WITHIN THE MEANING OF THE INDENTURE HEREINAFTER REFERRED TO AND IS REGISTERED IN THE NAME OF A DEPOSITARY OR A NOMINEE
THEREOF. THIS SECURITY MAY NOT BE EXCHANGED IN WHOLE OR IN PART FOR A SECURITY REGISTERED, AND NO TRANSFER OF THIS SECURITY IN
WHOLE OR IN PART MAY BE REGISTERED, IN THE NAME OF ANY PERSON OTHER THAN SUCH DEPOSITARY OR A NOMINEE THEREOF, EXCEPT IN THE LIMITED
CIRCUMSTANCES DESCRIBED IN THE INDENTURE.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">UNLESS THIS SECURITY
IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY (&ldquo;DTC&rdquo;) TO THE COMPANY OR ITS AGENT FOR
REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY SECURITY ISSUED IS REGISTERED IN THE NAME OF CEDE&nbsp;&amp; CO. OR IN SUCH OTHER
NAME AS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE&nbsp;&amp; CO. OR TO SUCH OTHER ENTITY AS
IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO
ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE&nbsp;&amp; CO. HAS AN INTEREST HEREIN.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">THIS SECURITY IS NOT
A DEPOSIT AND IS NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION OR ANY OTHER GOVERNMENTAL AGENCY.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">BY ACCEPTING THIS SECURITY, EACH HOLDER OF
THIS SECURITY WILL BE DEEMED TO HAVE REPRESENTED AND WARRANTED THAT EITHER (1) IT IS NOT AN EMPLOYEE BENEFIT PLAN SUBJECT TO THE
EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (&ldquo;ERISA&rdquo;); A PLAN DESCRIBED IN SECTION 4975 OF THE INTERNAL
REVENUE CODE OF 1986, AS AMENDED (THE &ldquo;INTERNAL REVENUE CODE&rdquo;); A PLAN SUBJECT TO PROVISIONS UNDER APPLICABLE FEDERAL,
STATE, LOCAL, NON-UNITED STATES OR OTHER LAWS OR REGULATIONS SIMILAR TO THE REQUIREMENTS OF SECTION 406 OF ERISA OR SECTION 4975
OF THE INTERNAL REVENUE CODE (COLLECTIVELY, &ldquo;SIMILAR LAWS&rdquo;); OR ANY ENTITY WHOSE UNDERLYING ASSETS ARE CONSIDERED TO
INCLUDE &ldquo;PLAN ASSETS&rdquo; OF ANY SUCH PLAN, ACCOUNT OR ARRANGEMENT (EACH A &ldquo;PLAN&rdquo;); AND NO PORTION OF THE ASSETS
USED TO ACQUIRE OR HOLD THE SECURITY CONSTITUTE ASSETS OF ANY PLAN OR (2) THE PURCHASE, HOLDING AND DISPOSITION OF THE SECURITY
WILL NOT CONSTITUTE A NON- EXEMPT PROHIBITED TRANSACTION UNDER ERISA OR THE INTERNAL REVENUE CODE OR A SIMILAR VIOLATION UNDER
ANY APPLICABLE SIMILAR LAWS.</P>

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


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

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">3.500% Senior
NoteS due 2023</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">No.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">CUSIP No.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 80%">ISIN No.</TD>
    <TD STYLE="width: 20%"> $</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">First Horizon National
Corporation, a corporation duly organized and existing under the laws of Tennessee (herein called the &ldquo;Company&rdquo;, which
term includes any successor Person under the Indenture hereinafter referred to), for value received, hereby promises to pay to
CEDE&nbsp;&amp; CO., as nominee of The Depository Trust Company, or registered assigns, the principal sum of (U.S. $ ) on May 26, 2023
(such date is hereinafter referred to as the &ldquo;Stated Maturity&rdquo;), and to pay interest thereon from May 26, 2020, or
from the most recent Interest Payment Date (as defined below) to which interest has been paid or duly provided for, semi-annually
in arrears on May 26 and November 26 in each year (each, an &ldquo;Interest Payment Date&rdquo;), commencing November 26, 2020,
at the rate of 3.550% per annum (the &ldquo;Interest Rate&rdquo;), until the principal hereof is paid or made available for payment.
The interest so payable, and punctually paid or duly provided for, on any Interest Payment Date will, as provided in such Indenture,
be paid to the Person in whose name this Security (or one or more Predecessor Securities) is registered at the close of business
on the Regular Record Date for such interest, which shall be the April 11 or October 11 (whether or not a Business Day), as the
case may be, next preceding such Interest Payment Date. Any such interest so payable, but not so punctually paid or duly provided
for, on any Interest Payment Date will forthwith cease to be payable to the Holder on such Regular Record Date and may either be
paid to the Person in whose name this Security (or one or more Predecessor Securities) is registered at the close of business on
a Special Record Date for the payment of such Defaulted Interest to be fixed by the Trustee, notice whereof shall be given to Holders
of Securities of this series not less than 10 days prior to such Special Record Date, or be paid at any time in any other lawful
manner not inconsistent with the requirements of any securities exchange on which the Securities of this series may be listed,
and upon such notice as may be required by such exchange, all as more fully provided in said Indenture.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Payment of the principal
of (and premium, if any) and any such interest on this Security will be made at the office or agency of the Company maintained
for that purpose, which shall be initially the corporate trust office of the Trustee, in such coin or currency of the United States
of America as at the time of payment is legal tender for payment of public and private debts, against surrender of this Security
in the case of any payment due at the Stated Maturity of the principal hereof; <I>provided</I>, <I>however</I>, that at the option
of the Company payment of interest may be made by check mailed to the address of the Person entitled thereto as such address shall
appear in the Security Register; and <I>provided</I>, <I>further</I>, that if this Security is a Global Security, payment may be
made pursuant to the Applicable Procedures of the Depositary as permitted in the Indenture.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Reference is hereby
made to the further provisions of this Security set forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Unless the certificate
of authentication hereon has been executed by the Trustee referred to on the reverse hereof by manual or electronic signature,
this Security shall not be entitled to any benefit under the Indenture or be valid or obligatory for any purpose.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">IN WITNESS WHEREOF,
the Company has caused this security to be duly executed.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Dated: __________, 2020</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 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="text-align: left; text-transform: uppercase; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="text-align: left; text-transform: uppercase; font-weight: bold; padding-left: 5pt">FIRST HORIZON NATIONAL CORPORATION</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; text-transform: uppercase; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left; text-transform: uppercase; font-weight: bold">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; text-align: left; text-transform: uppercase; font-weight: bold">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: left; text-transform: uppercase; font-weight: bold"><FONT STYLE="font-weight: normal; text-transform: none">By:</FONT></TD>
    <TD STYLE="width: 32%; text-align: left; text-transform: uppercase; font-weight: bold; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="width: 16%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; text-transform: uppercase; font-weight: bold">&nbsp;</TD>
    <TD STYLE="text-align: left; text-transform: uppercase; font-weight: bold">&nbsp;</TD>
    <TD STYLE="text-align: left; text-transform: uppercase; font-weight: bold; padding-left: 10pt"><FONT STYLE="font-weight: normal; text-transform: none">Name:</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; text-transform: uppercase; font-weight: bold">&nbsp;</TD>
    <TD STYLE="text-align: left; text-transform: uppercase; font-weight: bold">&nbsp;</TD>
    <TD STYLE="text-align: left; text-transform: uppercase; font-weight: bold; padding-left: 10pt"><FONT STYLE="font-weight: normal; text-transform: none">Title</FONT><FONT STYLE="font-weight: normal">:</FONT></TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 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: 3%">By:</TD>
    <TD STYLE="width: 30%; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="width: 67%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 10pt">Name:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 10pt">Title:</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0pt">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">This is one of the Securities of the series
designated therein referred to in the within-mentioned Indenture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&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="padding-right: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-right: 5.4pt"><B>THE BANK OF NEW YORK MELLON TRUST</B><BR> <B>COMPANY, N.A, as Trustee</B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; padding-right: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 3%; padding-right: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 31%; padding-right: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 16%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; text-align: justify">Date: _________, 2020</TD>
    <TD STYLE="padding-right: 5.4pt; text-align: justify">By:</TD>
    <TD STYLE="padding-right: 5.4pt; text-align: justify; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; text-align: justify; padding-left: 10pt">Authorized Officer</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
</TABLE>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">This Security is one
of a duly authorized issue of securities of the Company (herein called the &ldquo;Securities&rdquo;), issued and to be issued in
one or more series under an Indenture, dated as of December 20, 2010, as supplemented by the Supplemental Indenture No. 1, dated
as of May 26, 2020 (herein called the &ldquo;Indenture&rdquo;, which term shall have the meaning assigned to it in such instrument),
between the Company and The Bank of New York Mellon Trust Company, N.A., as Trustee (herein called the &ldquo;Trustee&rdquo;, which
term includes any successor trustee under the Indenture), and reference is hereby made to the Indenture for a statement of the
respective rights, limitations of rights, duties and immunities thereunder of the Company, the Trustee and the Holders of the Securities
and of the terms upon which the Securities are, and are to be, authenticated and delivered. This Security is one of the series
designated on the face hereof initially limited in aggregate principal amount to $ , <I>provided</I> that the Company may, without
the consent of any Holder, at any time and from time to time increase the initial principal amount as provided in the Indenture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">The Securities of
this series are subject to redemption upon not less than 30 nor more than 60 days&rsquo; notice by mail at any time on or after
April 26, 2020, as a whole or, in case of Securities with a principal amount in excess of $2,000, in part, at the election of the
Company, at a redemption price equal to 100% of the principal amount, together with accrued and unpaid interest to but excluding
the Redemption Date, but interest installments that are due on or prior to such Redemption Date will be payable to the Holders
of such Securities, or one or more Predecessor Securities, of record at the close of business on the relevant Record Dates referred
to on the face hereof, all as provided in the Indenture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">In the event of redemption
of this Security in part only, a new Security or Securities of this series and of like tenor for the unredeemed portion hereof
will be issued in the name of the Holder hereof upon the cancellation hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">The Indenture contains
provisions for defeasance at any time of the entire indebtedness of this Security or certain restrictive covenants and Events of
Default with respect to this Security, in each case upon compliance with certain conditions set forth in the Indenture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">If an Event of Default
with respect to Securities of this series shall occur and be continuing, the principal of the Securities of this series may be
declared due and payable in the manner and with the effect provided in the Indenture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">The Indenture permits,
with certain exceptions as therein provided, the amendment thereof and the modification of the rights and obligations of the Company
and the rights of the Holders of the Securities of each series to be affected under the Indenture at any time by the Company and
the Trustee with the consent of the Holders of a majority in principal amount of the Securities at the time Outstanding of each
series to be affected. The Indenture also contains provisions permitting the Holders of specified percentages in principal amount
of the Securities of each series at the time Outstanding, on behalf of the Holders of all Securities of such series, to waive compliance
by the Company with certain provisions of the Indenture and certain past defaults under the Indenture and their consequences. Any
such consent or waiver by the Holder of this Security shall be conclusive and binding upon such Holder and upon all future Holders
of this Security and of any Security issued upon the registration of transfer hereof or in exchange herefor or in lieu hereof,
whether or not notation of such consent or waiver is made upon this Security.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">As provided in and
subject to the provisions of the Indenture, the Holder of this Security shall not have the right to institute any proceeding with
respect to the Indenture or for the appointment of a receiver or trustee or for any other remedy thereunder, unless such Holder
shall have previously given the Trustee written notice of a continuing Event of Default with respect to the Securities of this
series, the Holders of</P>




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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0pt">not less than 25% in
principal amount of the Securities of this series at the time Outstanding shall have made written request to the Trustee to institute
proceedings in respect of such Event of Default as Trustee and offered the Trustee indemnity reasonably satisfactory to the Trustee,
and the Trustee shall not have received from the Holders of a majority in principal amount of Securities of this series at the
time Outstanding a direction inconsistent with such request, and shall have failed to institute any such proceeding, for 60 days
after receipt of such notice, request and offer of indemnity. The foregoing shall not apply to any suit instituted by the Holder
of this Security for the enforcement of any payment of principal hereof or interest hereon on or after the respective due dates
expressed herein.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">No reference herein
to the Indenture and no provision of this Security or of the Indenture shall alter or impair the obligation of the Company, which
is absolute and unconditional, to pay the principal of and interest on this Security at the times, place and rate, and in the coin
or currency, herein prescribed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">As provided in the
Indenture and subject to certain limitations therein set forth, the transfer of this Security is registrable in the Security Register,
upon surrender of this Security for registration of transfer at the office or agency of the Company in any place where the principal
of and interest on this Security are payable, duly endorsed by, or accompanied by a written instrument of transfer in form satisfactory
to the Company and the Security Registrar duly executed by, the Holder hereof or his attorney duly authorized in writing, and thereupon
one or more new Securities of this series and of like tenor, of authorized denominations and for the same aggregate principal amount,
will be issued to the designated transferee or transferees.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">The Securities of
this series are issuable only in registered form without coupons in denominations of $2,000 and any integral multiple of $1,000
in excess thereof. As provided in the Indenture and subject to certain limitations therein set forth, Securities of this series
are exchangeable for a like aggregate principal amount of Securities of this series and of like tenor of a different authorized
denomination, as requested by the Holder surrendering the same.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">No service charge
shall be made for any such registration of transfer or exchange, but the Company may require payment of a sum sufficient to cover
any tax or other governmental charge payable in connection therewith.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">Prior to due presentment
of this Security for registration of transfer, the Company, the Trustee and any agent of the Company or the Trustee may treat the
Person in whose name this Security is registered as the owner hereof for all purposes, whether or not this Security be overdue,
and neither the Company, the Trustee nor any such agent shall be affected by notice to the contrary.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">Interest on the principal
balance of this Security shall be calculated on the basis of a 360 day year consisting of twelve 30-day months.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt"><B>THIS SECURITY AND
THE INDENTURE SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">All terms used in
this Security which are defined in the Indenture and are not otherwise defined herein shall have the meanings assigned to them
in the Indenture.</P>


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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">THIS SECURITY IS A GLOBAL
SECURITY WITHIN THE MEANING OF THE INDENTURE HEREINAFTER REFERRED TO AND IS REGISTERED IN THE NAME OF A DEPOSITARY OR A NOMINEE
THEREOF. THIS SECURITY MAY NOT BE EXCHANGED IN WHOLE OR IN PART FOR A SECURITY REGISTERED, AND NO TRANSFER OF THIS SECURITY IN
WHOLE OR IN PART MAY BE REGISTERED, IN THE NAME OF ANY PERSON OTHER THAN SUCH DEPOSITARY OR A NOMINEE THEREOF, EXCEPT IN THE LIMITED
CIRCUMSTANCES DESCRIBED IN THE INDENTURE.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">UNLESS THIS SECURITY
IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY (&ldquo;DTC&rdquo;) TO THE COMPANY OR ITS AGENT FOR
REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY SECURITY ISSUED IS REGISTERED IN THE NAME OF CEDE&nbsp;&amp; CO. OR IN SUCH OTHER
NAME AS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE&nbsp;&amp; CO. OR TO SUCH OTHER ENTITY AS
IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO
ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE&nbsp;&amp; CO. HAS AN INTEREST HEREIN.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">THIS SECURITY IS NOT
A DEPOSIT AND IS NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION OR ANY OTHER GOVERNMENTAL AGENCY.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">BY ACCEPTING THIS SECURITY, EACH HOLDER OF
THIS SECURITY WILL BE DEEMED TO HAVE REPRESENTED AND WARRANTED THAT EITHER (1) IT IS NOT AN EMPLOYEE BENEFIT PLAN SUBJECT TO THE
EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (&ldquo;ERISA&rdquo;); A PLAN DESCRIBED IN SECTION 4975 OF THE INTERNAL
REVENUE CODE OF 1986, AS AMENDED (THE &ldquo;INTERNAL REVENUE CODE&rdquo;); A PLAN SUBJECT TO PROVISIONS UNDER APPLICABLE FEDERAL,
STATE, LOCAL, NON-UNITED STATES OR OTHER LAWS OR REGULATIONS SIMILAR TO THE REQUIREMENTS OF SECTION 406 OF ERISA OR SECTION 4975
OF THE INTERNAL REVENUE CODE (COLLECTIVELY, &ldquo;SIMILAR LAWS&rdquo;); OR ANY ENTITY WHOSE UNDERLYING ASSETS ARE CONSIDERED TO
INCLUDE &ldquo;PLAN ASSETS&rdquo; OF ANY SUCH PLAN, ACCOUNT OR ARRANGEMENT (EACH A &ldquo;PLAN&rdquo;); AND NO PORTION OF THE ASSETS
USED TO ACQUIRE OR HOLD THE SECURITY CONSTITUTE ASSETS OF ANY PLAN OR (2) THE PURCHASE, HOLDING AND DISPOSITION OF THE SECURITY
WILL NOT CONSTITUTE A NON- EXEMPT PROHIBITED TRANSACTION UNDER ERISA OR THE INTERNAL REVENUE CODE OR A SIMILAR VIOLATION UNDER
ANY APPLICABLE SIMILAR LAWS.</P>

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


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

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">4.000% Senior
NoteS due 2025</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">No.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">CUSIP No.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 80%">ISIN No.</TD>
    <TD STYLE="width: 20%">$</TD></TR>
</TABLE>


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">First Horizon National
Corporation, a corporation duly organized and existing under the laws of Tennessee (herein called the &ldquo;Company&rdquo;, which
term includes any successor Person under the Indenture hereinafter referred to), for value received, hereby promises to pay to
CEDE&nbsp;&amp; CO., as nominee of The Depository Trust Company, or registered assigns, the principal sum of (U.S. $ ) on May 26, 2025
(such date is hereinafter referred to as the &ldquo;Stated Maturity&rdquo;), and to pay interest thereon from May 26, 2020, or
from the most recent Interest Payment Date (as defined below) to which interest has been paid or duly provided for, semi-annually
in arrears on May 26 and November 26 in each year (each, an &ldquo;Interest Payment Date&rdquo;), commencing November 26, 2020,
at the rate of 4.000% per annum (the &ldquo;Interest Rate&rdquo;), until the principal hereof is paid or made available for payment.
The interest so payable, and punctually paid or duly provided for, on any Interest Payment Date will, as provided in such Indenture,
be paid to the Person in whose name this Security (or one or more Predecessor Securities) is registered at the close of business
on the Regular Record Date for such interest, which shall be the April 11 or October 11 (whether or not a Business Day),as the
case may be, next preceding such Interest Payment Date. Any such interest so payable, but not so punctually paid or duly provided
for, on any Interest Payment Date will forthwith cease to be payable to the Holder on such Regular Record Date and may either be
paid to the Person in whose name this Security (or one or more Predecessor Securities) is registered at the close of business on
a Special Record Date for the payment of such Defaulted Interest to be fixed by the Trustee, notice whereof shall be given to Holders
of Securities of this series not less than 10 days prior to such Special Record Date, or be paid at any time in any other lawful
manner not inconsistent with the requirements of any securities exchange on which the Securities of this series may be listed,
and upon such notice as may be required by such exchange, all as more fully provided in said Indenture.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Payment of the principal
of (and premium, if any) and any such interest on this Security will be made at the office or agency of the Company maintained
for that purpose, which shall be initially the corporate trust office of the Trustee, in such coin or currency of the United States
of America as at the time of payment is legal tender for payment of public and private debts, against surrender of this Security
in the case of any payment due at the Stated Maturity of the principal hereof; <I>provided</I>, <I>however</I>, that at the option
of the Company payment of interest may be made by check mailed to the address of the Person entitled thereto as such address shall
appear in the Security Register; and <I>provided</I>, <I>further</I>, that if this Security is a Global Security, payment may be
made pursuant to the Applicable Procedures of the Depositary as permitted in the Indenture.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Reference is hereby
made to the further provisions of this Security set forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Unless the certificate
of authentication hereon has been executed by the Trustee referred to on the reverse hereof by manual or electronic signature,
this Security shall not be entitled to any benefit under the Indenture or be valid or obligatory for any purpose.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">IN WITNESS WHEREOF,
the Company has caused this security to be duly executed.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Dated: __________, 2020</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="vertical-align: bottom; text-align: center; text-transform: uppercase; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: top; text-align: left; text-transform: uppercase; font-weight: bold; padding-left: 5pt">FIRST HORIZON NATIONAL CORPORATION</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; width: 50%; text-align: left; text-transform: uppercase; font-weight: bold">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 3%; text-align: left; text-transform: uppercase; font-weight: bold">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 31%; text-align: left; text-transform: uppercase; font-weight: bold; padding-left: 5pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 16%; text-align: left; text-transform: uppercase; font-weight: bold">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; text-align: left; text-transform: uppercase; font-weight: bold">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: left; text-transform: uppercase; font-weight: bold"><FONT STYLE="font-weight: normal; text-transform: none">By</FONT><FONT STYLE="font-weight: normal">:</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: left; text-transform: uppercase; font-weight: bold; border-bottom: Black 1px solid; padding-left: 5pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: left; text-transform: uppercase; font-weight: bold">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; text-align: left; text-transform: uppercase; font-weight: bold">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: left; text-transform: uppercase; font-weight: bold">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: left; text-transform: uppercase; font-weight: bold; padding-left: 5pt"><FONT STYLE="font-weight: normal; text-transform: none">Name:</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: left; text-transform: uppercase; font-weight: bold">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; text-align: left; text-transform: uppercase; font-weight: bold">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: left; text-transform: uppercase; font-weight: bold">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: left; text-transform: uppercase; font-weight: bold; padding-left: 5pt"><FONT STYLE="font-weight: normal; text-transform: none">Title</FONT><FONT STYLE="font-weight: normal">:</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: left; text-transform: uppercase; font-weight: bold">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="vertical-align: bottom; width: 3%">By:</TD>
    <TD STYLE="vertical-align: bottom; width: 30%; border-bottom: Black 1px solid; padding-left: 5pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 67%">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-left: 5pt">Name:</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-left: 5pt">Title:</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0pt">CERTIFICATE OF AUTHENTICATION</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">This is one of the Securities of the series
designated therein referred to in the within-mentioned Indenture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&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="padding-right: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-right: 5.4pt"><B>THE BANK OF NEW YORK MELLON TRUST</B><BR>
<B>COMPANY, N.A, as Trustee</B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; padding-right: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 3%; padding-right: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 31%; padding-right: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 16%; padding-right: 5.4pt; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; text-align: justify">Date: __________, 2020</TD>
    <TD STYLE="padding-right: 5.4pt; text-align: justify">By:</TD>
    <TD STYLE="padding-right: 5.4pt; text-align: justify; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-left: 5pt; text-align: justify">Authorized Officer</TD>
    <TD STYLE="padding-right: 5.4pt; text-align: justify">&nbsp;</TD></TR>
</TABLE>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">&#9;This Security
is one of a duly authorized issue of securities of the Company (herein called the &ldquo;Securities&rdquo;), issued and to be issued
in one or more series under an Indenture, dated as of December 20, 2010, as supplemented by the Supplemental Indenture No. 1, dated
as of May 26, 2020 (herein called the &ldquo;Indenture&rdquo;, which term shall have the meaning assigned to it in such instrument),
between the Company and The Bank of New York Mellon Trust Company, N.A., as Trustee (herein called the &ldquo;Trustee&rdquo;, which
term includes any successor trustee under the Indenture), and reference is hereby made to the Indenture for a statement of the
respective rights, limitations of rights, duties and immunities thereunder of the Company, the Trustee and the Holders of the Securities
and of the terms upon which the Securities are, and are to be, authenticated and delivered. This Security is one of the series
designated on the face hereof initially limited in aggregate principal amount to $ , <I>provided</I> that the Company may, without
the consent of any Holder, at any time and from time to time increase the initial principal amount as provided in the Indenture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">The Securities of
this series are subject to redemption upon not less than 30 nor more than 60&nbsp;days&rsquo; notice by mail at any time on or
after April 26, 2020, as a whole or, in case of Securities with a principal amount in excess of $2,000, in part, at the election
of the Company, at a redemption price equal to 100% of the principal amount, together with accrued and unpaid interest to but excluding
the Redemption Date, but interest installments that are due on or prior to such Redemption Date will be payable to the Holders
of such Securities, or one or more Predecessor Securities, of record at the close of business on the relevant Record Dates referred
to on the face hereof, all as provided in the Indenture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">In the event of redemption
of this Security in part only, a new Security or Securities of this series and of like tenor for the unredeemed portion hereof
will be issued in the name of the Holder hereof upon the cancellation hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">The Indenture contains
provisions for defeasance at any time of the entire indebtedness of this Security or certain restrictive covenants and Events of
Default with respect to this Security, in each case upon compliance with certain conditions set forth in the Indenture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">If an Event of Default
with respect to Securities of this series shall occur and be continuing, the principal of the Securities of this series may be
declared due and payable in the manner and with the effect provided in the Indenture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">The Indenture permits,
with certain exceptions as therein provided, the amendment thereof and the modification of the rights and obligations of the Company
and the rights of the Holders of the Securities of each series to be affected under the Indenture at any time by the Company and
the Trustee with the consent of the Holders of a majority in principal amount of the Securities at the time Outstanding of each
series to be affected. The Indenture also contains provisions permitting the Holders of specified percentages in principal amount
of the Securities of each series at the time Outstanding, on behalf of the Holders of all Securities of such series, to waive compliance
by the Company with certain provisions of the Indenture and certain past defaults under the Indenture and their consequences. Any
such consent or waiver by the Holder of this Security shall be conclusive and binding upon such Holder and upon all future Holders
of this Security and of any Security issued upon the registration of transfer hereof or in exchange herefor or in lieu hereof,
whether or not notation of such consent or waiver is made upon this Security.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">As provided in and
subject to the provisions of the Indenture, the Holder of this Security shall not have the right to institute any proceeding with
respect to the Indenture or for the appointment of a receiver or trustee or for any other remedy thereunder, unless such Holder
shall have previously given the Trustee written notice of a continuing Event of Default with respect to the Securities of this
series, the Holders of not less than 25% in principal amount of the Securities of this series at the time Outstanding shall have
made written request to the Trustee to institute proceedings in respect of such Event of Default as Trustee and offered the Trustee
indemnity reasonably satisfactory to the Trustee, and the Trustee shall not have</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> received from the Holders of a majority in principal
amount of Securities of this series at the time Outstanding a direction inconsistent with such request, and shall have failed to
institute any such proceeding, for 60 days after receipt of such notice, request and offer of indemnity. The foregoing shall not
apply to any suit instituted by the Holder of this Security for the enforcement of any payment of principal hereof or interest
hereon on or after the respective due dates expressed herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">No reference herein
to the Indenture and no provision of this Security or of the Indenture shall alter or impair the obligation of the Company, which
is absolute and unconditional, to pay the principal of and interest on this Security at the times, place and rate, and in the coin
or currency, herein prescribed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">As provided in the
Indenture and subject to certain limitations therein set forth, the transfer of this Security is registrable in the Security Register,
upon surrender of this Security for registration of transfer at the office or agency of the Company in any place where the principal
of and interest on this Security are payable, duly endorsed by, or accompanied by a written instrument of transfer in form satisfactory
to the Company and the Security Registrar duly executed by, the Holder hereof or his attorney duly authorized in writing, and thereupon
one or more new Securities of this series and of like tenor, of authorized denominations and for the same aggregate principal amount,
will be issued to the designated transferee or transferees.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">The Securities of
this series are issuable only in registered form without coupons in denominations of $2,000 and any integral multiple of $1,000
in excess thereof. As provided in the Indenture and subject to certain limitations therein set forth, Securities of this series
are exchangeable for a like aggregate principal amount of Securities of this series and of like tenor of a different authorized
denomination, as requested by the Holder surrendering the same.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">No service charge
shall be made for any such registration of transfer or exchange, but the Company may require payment of a sum sufficient to cover
any tax or other governmental charge payable in connection therewith.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">Prior to due presentment
of this Security for registration of transfer, the Company, the Trustee and any agent of the Company or the Trustee may treat the
Person in whose name this Security is registered as the owner hereof for all purposes, whether or not this Security be overdue,
and neither the Company, the Trustee nor any such agent shall be affected by notice to the contrary.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">Interest on the principal
balance of this Security shall be calculated on the basis of a 360 day year consisting of twelve 30-day months.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt"><B>THIS SECURITY AND
THE INDENTURE SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 31.5pt">All terms used in
this Security which are defined in the Indenture and are not otherwise defined herein shall have the meanings assigned to them
in the Indenture.</P>


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0; text-align: right"><B>Exhibit 5.1</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 6pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 70%; text-align: right">&nbsp;</TD><TD STYLE="text-align: justify; width: 30%">May 26, 2020</TD>
</TR></TABLE>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">First Horizon National Corporation<BR>
165 Madison Avenue<BR>
Memphis, Tennessee 38103</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Ladies and Gentlemen:</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">In connection with the issuance and sale of (i) $450,000,000
aggregate principal amount of 3.550% Senior Notes due 2023 and (ii) $350,000,000 aggregate principal amount of 4.000% Senior Notes
due 2025 (together, the &ldquo;Notes&rdquo;) of First Horizon National Corporation, a Tennessee corporation (the &ldquo;Company&rdquo;),
pursuant to the Underwriting Agreement, dated May 20, 2020, between the Company and Morgan Stanley&nbsp;&amp; Co. LLC, Barclays Capital
Inc., FHN Financial Securities Corp., Goldman Sachs&nbsp;&amp; Co. LLC and J.P. Morgan Securities LLC, as the Representatives of the
several Underwriters listed therein, I (or counsel acting under my supervision) have examined such corporate records, certificates
and other documents, and such questions of law, as I (or counsel acting under my supervision) have considered necessary or appropriate
for the purposes of this opinion. Upon the basis of such examination, it is my opinion that:</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font-weight: normal">(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company has been duly incorporated and is an existing corporation in good standing under the laws of the State of Tennessee.</FONT></P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font-weight: normal">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Notes constitute valid and legally binding obligations of the Company, subject to bankruptcy, insolvency, fraudulent transfer,
reorganization, moratorium and similar laws of general applicability relating to or affecting creditors&rsquo; rights and to general
equity principles.</FONT></P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">The foregoing opinion is limited to the laws
of the State of Tennessee, and I am expressing no opinion as to the effect of the laws of any other jurisdiction.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">Also, I have relied as to certain matters
upon information obtained from public officials, officers of the Company and other sources believed by me to be responsible, including
as to matters involving application of the laws of New York, upon the opinion of Sullivan&nbsp;&amp; Cromwell LLP and my opinion is
subject to the same assumptions, qualifications and limitations</P>

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


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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">with respect to such matters are contained in such opinion,
and I have assumed that the forms of Notes conform to the specimens thereof examined by me (or counsel acting under my supervision)
and the Notes have been duly countersigned by a trustee and that the signatures on all documents examined by me (or counsel acting
under my supervision) are genuine, assumptions which I have not independently verified.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">This letter is furnished by me, solely in
my capacity as General Counsel of the Company. I hereby consent to the filing of this opinion as an exhibit to the Company&rsquo;s
Current Report on Form 8-K and, through incorporation, to the Company&rsquo;s Registration Statement on Form S-3 (File No. 333-229338).
In giving such consent, I do not thereby admit that I am in the category of persons whose consent is required under Section 7 of
the Securities Act of 1933.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="vertical-align: top; width: 50%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 50%">Very truly yours,</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-decoration: underline"><U>&nbsp;&nbsp;&nbsp;/s/ Charles T. Tuggle, Jr.&nbsp;&nbsp;&nbsp;</U></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">Charles T. Tuggle, Jr.</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><I>Executive Vice President and General </I></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><I>Counsel, First Horizon National </I></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><I>Corporation</I></TD></TR>
</TABLE>


<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0"></P>

</BODY>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-5.2
<SEQUENCE>6
<FILENAME>c95905_ex5-2.htm
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 5.2</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="vertical-align: top; width: 70%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 30%; font: 10pt Times New Roman, Times, Serif">May 26, 2020</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">First Horizon National Corporation,<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;165 Madison Avenue,<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Memphis,
Tennessee 38103.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Ladies and Gentlemen:</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">In connection with the issuance and sale
of (i) $450,000,000 aggregate principal amount of 3.550% Senior Notes due 2023 and (ii) $350,000,000 aggregate principal amount
of 4.000% Senior Notes due 2025 (together, the &ldquo;Notes&rdquo;) of First Horizon National Corporation, a Tennessee corporation
(the &ldquo;Company&rdquo;), pursuant to the Underwriting Agreement, dated May 20, 2020, between the Company and Morgan Stanley&nbsp;&amp; Co. LLC, Barclays Capital Inc., FHN Financial Securities Corp., Goldman Sachs&nbsp;&amp; Co. LLC and J.P. Morgan Securities LLC,
as the Representatives of the several Underwriters listed therein, we have examined such corporate records, certificates and other
documents, and such questions of law, as we have considered necessary or appropriate for the purposes of this opinion. The Notes
were issued pursuant to an Indenture, dated as of December 20, 2010, as supplemented by the Supplemental Indenture No. 1, dated
as of May 26, 2020 (together, the &ldquo;Indenture&rdquo;), between the Company and The Bank of New York Mellon Trust Company,
N.A., as Trustee (the &ldquo;Trustee&rdquo;).</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">Upon the basis of such examination, it is
our opinion that the Notes constitute valid and legally binding obligations of the Company, subject to bankruptcy, insolvency,
fraudulent transfer, reorganization, moratorium and similar laws of general applicability relating to or affecting creditors&rsquo;
rights and to general equity principles.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">The foregoing opinion is limited to the laws
of the State of New York and the laws of the State of Tennessee, and we are expressing no opinion as to the effect of the laws
of any other jurisdiction. With respect to all matters of Tennessee law, we have relied upon the opinion, dated the date hereof,
of Charles T. Tuggle, Jr., Executive Vice President and General Counsel of the Company, and our opinion is subject to the same
assumptions, qualifications and limitations with respect to such matters as are contained in such opinion of Charles T. Tuggle,
Jr.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">We have relied as to certain matters upon
information obtained from public officials, officers of the Company and other sources believed by us to be responsible, and we</P>

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


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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
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<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 86%; font: 12pt Times New Roman, Times, Serif">First Horizon National Corporation</TD>
    <TD STYLE="width: 14%; font: 12pt Times New Roman, Times, Serif; text-align: right">-2-</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">have assumed that the Indenture has been duly authorized, executed
and delivered by the Trustee, that the Notes conform to the specimen thereof examined by us, that the Trustee&rsquo;s certificate
of authentication of the Notes has been executed by one of the Trustee&rsquo;s authorized officers, and that the signatures
on all documents examined by us are genuine, assumptions which we have not independently verified.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">We hereby consent to the filing of this opinion
as an exhibit to this Current Report on Form 8-K and, through incorporation, to the Company&rsquo;s Registration Statement on Form
S-3 (File No. 333-229338). In giving such consent, we do not thereby admit that we are in the category of persons whose consent
is required under Section 7 of the Securities Act of 1933.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif">
<TR>
    <TD STYLE="vertical-align: top; width: 70%; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 30%; font-size: 12pt">Very truly yours,</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; font-size: 12pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; font-size: 12pt">/s/ Sullivan&nbsp;&amp; Cromwell LLP</TD></TR>
</TABLE>




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<P STYLE="margin: 0"></P>

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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-8.1
<SEQUENCE>7
<FILENAME>c95905_ex8-1.htm
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 8.1</B></P>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="vertical-align: top; width: 70%; font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 30%; font: 12pt Calibri, Helvetica, Sans-Serif"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;May 26, 2020</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">First Horizon National Corporation,<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;165 Madison Avenue,<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Memphis,
Tennessee 38103</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Ladies and Gentlemen:</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">We have acted as your United States federal
income tax counsel in connection with the registration under the Securities Act of 1933 (the &ldquo;Act&rdquo;) of (i) $450,000,000
principal amount of your 3.550% Senior Notes due 2023 and (ii) $350,000,000 principal amount of your 4.000% Senior Notes due 2025,
pursuant to the Prospectus Supplement, dated May 20, 2020 (&ldquo;Prospectus Supplement&rdquo;), filed pursuant to Rule&nbsp;424(b)(2)
under the Act. We hereby confirm to you that our opinion as to United States federal income tax matters is as set forth under the
caption &ldquo;United States Taxation&rdquo; in the Prospectus Supplement, subject to the limitations set forth therein.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">We hereby consent to the filing of this opinion
as an exhibit to your Current Report on Form&nbsp;8-K, filed on the date hereof, and to the reference to us under the heading &ldquo;United
States Taxation&rdquo; in the Prospectus Supplement. In giving this consent, we do not thereby admit that we are within the category
of persons whose consent is required under Section 7 of the Act.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="vertical-align: top; width: 50%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 50%"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Very truly yours,</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">/s/ Sullivan&nbsp;&amp; Cromwell LLP</FONT></TD></TR>
</TABLE>

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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.DEF
<SEQUENCE>8
<FILENAME>fhn-20200526_def.xml
<TEXT>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>9
<FILENAME>fhn-20200526_lab.xml
<TEXT>
<XBRL>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>10
<FILENAME>fhn-20200526_pre.xml
<TEXT>
<XBRL>
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<TYPE>EX-101.SCH
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<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.20.1</span><table class="report" border="0" cellspacing="2" id="idp6629691264">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document And Entity Information<br></strong></div></th>
<th class="th"><div>May 26, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">First Horizon National Corporation<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000036966<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">May 26,  2020<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">TN<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">001-15185<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">62-0803242<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">165 Madison Avenue<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Memphis<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">TN<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">38103<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">901<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">523-4444<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_CommonClassAMember', window );">Common Class A [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">FHN<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">$0.625 Par Value Common Capital Stock<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesAPreferredStockMember', window );">Series A Preferred Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">FHN PR A<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Depositary Shares, each representing a 1/4,000th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series A<span></span>
</td>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td>xbrli:booleanItemType</td>
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<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentInformationLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentInformationLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
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