<SEC-DOCUMENT>0000930413-20-001502.txt : 20200528
<SEC-HEADER>0000930413-20-001502.hdr.sgml : 20200528
<ACCEPTANCE-DATETIME>20200528162045
ACCESSION NUMBER:		0000930413-20-001502
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		19
CONFORMED PERIOD OF REPORT:	20200521
ITEM INFORMATION:		Material Modifications to Rights of Security Holders
ITEM INFORMATION:		Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20200528
DATE AS OF CHANGE:		20200528

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:		20921329

	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: bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">UNITED STATES<br/>
SECURITIES AND EXCHANGE COMMISSION</p>

<p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">Washington,
DC 20549</p>

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

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<p style="font: bold 16pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">FORM <ix:nonNumeric contextRef="c0" name="dei:DocumentType">8-K</ix:nonNumeric></p>

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

<p style="font: bold 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">CURRENT REPORT</p>

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

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Date of Report (Date of earliest event
reported): <ix:nonNumeric contextRef="c0" format="ixt:datemonthdayyearen" name="dei:DocumentPeriodEndDate">May 21, 2020</ix:nonNumeric></p>

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

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Exact name of registrant as specified
in its charter)</p>

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

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<tr style="vertical-align: top"> <td style="width: 34%; text-align: center; font-weight: bold"><ix:nonNumeric contextRef="c0" name="dei:EntityIncorporationStateCountryCode">TN</ix:nonNumeric><br/> <span style="font-weight: normal">(State or other Jurisdiction </span><br/> <span style="font-weight: normal">of Incorporation</span>)</td> <td style="width: 32%; text-align: center; font-weight: bold"><ix:nonNumeric contextRef="c0" name="dei:EntityFileNumber">001-15185</ix:nonNumeric><br/> <span style="font-weight: normal">(Commission File Number</span>)</td> <td style="width: 34%; text-align: center; font-weight: bold"><ix:nonNumeric contextRef="c0" name="dei:EntityTaxIdentificationNumber">62-0803242</ix:nonNumeric><br/> <span style="font-weight: normal">(IRS Employer</span><br/> <span style="font-weight: normal">Identification Number)</span></td></tr>
<tr style="vertical-align: top"> <td style="text-align: center; font-weight: bold">&#160;</td> <td style="text-align: center; font-weight: bold">&#160;</td> <td style="text-align: center; font-weight: bold">&#160;</td></tr>
<tr style="vertical-align: top"> <td style="text-align: center; font-weight: bold">&#160;</td> <td><p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><ix:nonNumeric contextRef="c0" name="dei:EntityAddressAddressLine1">165 Madison Avenue</ix:nonNumeric><br/> <ix:nonNumeric contextRef="c0" name="dei:EntityAddressCityOrTown">Memphis</ix:nonNumeric>, <ix:nonNumeric contextRef="c0" name="dei:EntityAddressStateOrProvince">TN</ix:nonNumeric> <ix:nonNumeric contextRef="c0" name="dei:EntityAddressPostalZipCode">38103</ix:nonNumeric></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-weight: normal">(Address of Principal Executive <br/>
Offices) (Zip Code)</span></p>
</td> <td style="text-align: center; font-weight: bold">&#160;</td></tr>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p>

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

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

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

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

<!-- Field: Rule-Page --><div style="text-align: CENTER;"><div style="font-size: 1pt; border-top: Black 1px solid; width: 20%; margin-left: auto; margin-right: auto;">&#160;</div></div><!-- Field: /Rule-Page -->

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


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

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

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
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<tr style="vertical-align: top"> <td style="border-right: Black 1px solid; border-bottom: Black 1px solid; border-left: Black 1px solid; padding-right: 3pt; padding-bottom: 10pt; padding-left: 3pt; text-align: center"><span><ix:nonNumeric contextRef="c0" format="ixt-sec:boolballotbox" name="dei:PreCommencementIssuerTenderOffer">&#9744;</ix:nonNumeric></span></td> <td style="border-bottom: Black 1px solid; border-right: Black 1px solid; padding-right: 3pt; padding-bottom: 10pt; padding-left: 3pt">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</td></tr>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27.35pt; text-indent: -27.35pt">&#160;</p>

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

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<tr> <td style="width: 58%; border: Black 1px solid; text-align: center; padding-top: 1pt; padding-bottom: 1pt"><b>Title of Each Class</b></td> <td style="width: 12%; border-top: Black 1px solid; border-right: Black 1px solid; border-bottom: Black 1px solid; text-align: center; padding-top: 1pt; padding-bottom: 1pt"><b>Trading</b><br/> <b>Symbol(s)</b></td> <td style="width: 30%; border-top: Black 1px solid; border-right: Black 1px solid; border-bottom: Black 1px solid; text-align: center; padding-top: 1pt; padding-bottom: 1pt"><b>Name of Exchange on which</b><br/> <b>Registered</b></td></tr>
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<tr> <td style="vertical-align: top; border-right: Black 1px solid; border-bottom: Black 1px solid; border-left: Black 1px solid; padding-top: 1pt; padding-bottom: 1pt"><ix:nonNumeric contextRef="c2" name="dei:Security12bTitle">Depositary Shares, each representing a 1/4,000<sup>th</sup> interest in a share of Non-Cumulative Perpetual Preferred Stock, Series A</ix:nonNumeric></td> <td style="border-right: Black 1px solid; border-bottom: Black 1px solid; text-align: center; padding-top: 1pt; padding-bottom: 1pt"><ix:nonNumeric contextRef="c2" name="dei:TradingSymbol">FHN PR A</ix:nonNumeric></td> <td style="border-right: Black 1px solid; border-bottom: Black 1px solid; text-align: center; padding-top: 1pt; padding-bottom: 1pt"><ix:nonNumeric contextRef="c2" format="ixt-sec:exchnameen" name="dei:SecurityExchangeName">New York Stock Exchange LLC</ix:nonNumeric></td></tr>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; border-top: Black 1px solid">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="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Emerging growth company <span><ix:nonNumeric contextRef="c0" format="ixt-sec:boolballotbox" name="dei:EntityEmergingGrowthCompany">&#9744;</ix:nonNumeric></span></p>

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

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; border-bottom: Black 2px solid">&#160;</p>



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<p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 41.75pt; text-indent: -41.75pt">Item 3.03. Material
Modification to Rights of Security Holders.</p>

<p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 41.75pt; text-indent: -41.75pt">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">The ability of First Horizon National Corporation
(the &#8220;Company&#8221;) to declare or pay dividends on, or purchase, redeem or otherwise acquire, shares of its common stock
is subject to certain restrictions in the event that the Company does not declare and pay (or set aside) dividends on its Non-Cumulative
Perpetual Preferred Stock, Series A, liquidation preference $100,000 per share (the &#8220;Series A Preferred Stock&#8221;), or
on its Non-Cumulative Perpetual Preferred Stock, Series E, liquidation preference $100,000 per share (the &#8220;Series E Preferred
Stock&#8221;). The terms of the Series E Preferred Stock, including such restrictions, are more fully described in the Articles
of Amendment (as defined in Item 5.03 below), a copy of which is filed as Exhibit 3.1 and is incorporated herein by reference.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><b>Item 5.03. Amendments to Articles of Incorporation or Bylaws;
Change in Fiscal Year. </b></p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">On May 21, 2020, the Company filed the Articles
of Amendment (the &#8220;Articles of Amendment&#8221;) to its Restated Charter with the Secretary of State of the State of Tennessee,
establishing the preferences, limitations and relative rights of the Series E Preferred Stock. The Articles of Amendment became
effective upon filing, and a copy is filed as Exhibit 3.1 and is incorporated herein by reference.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&#160;</p>

<p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 41.75pt; text-indent: -41.75pt">Item&#160;8.01. Other
Events.</p>

<p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 41.75pt; text-indent: -41.75pt">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">On May 28, 2020, the Company completed the
sale of 6,000,000 depositary shares (the &#8220;Depositary Shares&#8221;), each representing a 1/4,000<sup>th</sup> interest in
a share of Series E Preferred Stock, pursuant to an Underwriting Agreement (the &#8220;Underwriting Agreement&#8221;), dated May
20, 2020, between the Company, on the one hand, and Morgan Stanley&#160;&amp; Co. LLC, BofA Securities, Inc., UBS Securities LLC
and Wells Fargo Securities, LLC, as representatives of the underwriters, on the other hand. The offering and sale of the Depositary
Shares was made pursuant to the Company&#8217;s Registration Statement on Form S-3 (File No. 333-229338) filed with the Securities
and Exchange Commission.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">A copy of the Underwriting Agreement is
filed as Exhibit 1.1 and is incorporated by reference herein.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">The Deposit Agreement, dated as of May 28,
2020, by and among the Company, Equiniti Trust Company, as depositary, and the holders from time to time of the depositary receipts
described therein, is filed as Exhibit 4.1 and is incorporated by reference herein. The form of certificate representing the Series
E Preferred Stock is filed as Exhibit 4.2 and is incorporated by reference herein. The form of depositary receipt representing
the Depositary Shares is filed as Exhibit 4.3 and is incorporated by reference herein.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">A copy of the opinion and consent of Charles
T. Tuggle, Jr., Executive Vice President and General Counsel of the Company, as to the validity of the Series E Preferred Stock
is filed as Exhibits 5.1, and a copy of the opinion and consent of Sullivan&#160;&amp; Cromwell as to the validity of the depositary
receipts representing the Depositary Shares is filed as Exhibit 5.2.</p>

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<p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 41.75pt; text-indent: -41.75pt">Item&#160;9.01&#160;Financial
Statements and Exhibits</p>

<p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 41.75pt; text-indent: -41.75pt">&#160;</p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt" width="100%"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 21.6pt">(d)</td><td>Exhibits</td></tr></table>

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

<table cellpadding="0" cellspacing="0" style="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<tr style="vertical-align: top">
    <td style="width: 62pt"><span style="text-decoration:underline">Exhibit #</span></td>
    <td><span style="text-decoration:underline">Description</span></td></tr>
<tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td></tr>
<tr style="vertical-align: top">
    <td>1.1</td>
    <td><a href="c95916_ex1-1.htm" style="-sec-extract: exhibit">Underwriting Agreement, dated May 20, 2020, between the Company, on the one hand, and Morgan Stanley&#160;&amp; Co. LLC, BofA Securities, Inc., UBS Securities LLC and Wells Fargo Securities, LLC, as representatives of the underwriters, on the other hand, relating to the purchase of the Depositary Shares.</a></td></tr>
<tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td></tr>
<tr style="vertical-align: top">
    <td>3.1</td>
    <td><a href="c95916_ex3-1.htm">Articles of Amendment of the Restated Charter of the Company, related to the Series E Preferred Stock.</a></td></tr>
<tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td></tr>
<tr style="vertical-align: top">
    <td>4.1</td>
    <td><a href="c95916_ex4-1.htm" style="-sec-extract: exhibit">Deposit Agreement, dated as of May 28, 2020, by and among the Company, Equiniti Trust Company, as depositary, and the holders from time to time of depositary receipts described therein.</a></td></tr>
<tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td></tr>
<tr style="vertical-align: top">
    <td>4.2</td>
    <td><a href="c95916_ex4-2.htm" style="-sec-extract: exhibit">Form of certificate representing the Series E Preferred Stock.</a></td></tr>
<tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td></tr>
<tr style="vertical-align: top">
    <td>4.3</td>
    <td><a href="c95916_ex4-1.htm">Form of depositary receipt representing the Depositary Shares (included in Exhibit 4.1).</a></td></tr>
<tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td></tr>
<tr style="vertical-align: top">
    <td>5.1</td>
    <td><a href="c95916_ex5-1.htm" style="-sec-extract: exhibit">Opinion of Charles T. Tuggle, Jr.</a></td></tr>
<tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td></tr>
<tr style="vertical-align: top">
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<tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td></tr>
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    <td>23.1</td>
    <td><a href="c95916_ex5-1.htm" style="-sec-extract: exhibit">Consent of Charles T. Tuggle, Jr. (included in Exhibit 5.1).</a></td></tr>
<tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td></tr>
<tr style="vertical-align: top">
    <td>23.2</td>
    <td><a href="c95916_ex5-2.htm" style="-sec-extract: exhibit">Consent of Sullivan&#160;&amp; Cromwell LLP (included in Exhibit 5.2).</a></td></tr>
<tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td></tr>
<tr style="vertical-align: top">
    <td>104</td>
    <td>Cover Page Interactive Data File, formatted in Inline XBRL</td></tr>
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<p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">SIGNATURES</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">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: 0pt 0; text-indent: 36pt">&#160;</p>

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    <td colspan="2"><b>First Horizon National Corporation</b></td></tr>
<tr style="vertical-align: top">
    <td>&#160;</td>
    <td colspan="2">(Registrant)</td></tr>
<tr style="vertical-align: top">
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Date: May 28, 2020</p>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; background-color: white"><B>Exhibit 1.1</B></P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; background-color: white">Execution Version</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; background-color: white; border-bottom: Black 1px solid">&nbsp;</P>

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white">6,000,000 Depositary
Shares</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white">Each Representing
a 1/4,000<SUP>th</SUP> Interest</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white">in a Share of
Non-Cumulative Perpetual Preferred Stock, Series E</P>

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

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

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

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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">BofA Securities, Inc.</P>

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">New York, New York 10036</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">c/o BofA Securities, Inc.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">New York, New York 10036</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">c/o UBS Securities LLC</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">1285 Avenue of the Americas</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">New York, New York 10019</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">c/o Wells Fargo Securities, LLC</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">550 South Tryon Street, 5th Floor</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">Charlotte, NC 28202</P>

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt; background-color: white">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;), an aggregate of 6,000,000 depositary shares (the &ldquo;<U>Firm Shares</U>&rdquo;)
and, at the election of the Underwriters, up to 900,000 additional shares (the &ldquo;<U>Optional Shares</U>&rdquo;) (the Firm
Shares and the Optional Shares that the Underwriters elect to purchase pursuant to Section 1 hereof being collectively called
the &ldquo;<U>Shares</U>&rdquo;), each representing a 1/4,000th interest in a share of its Non-Cumulative Perpetual Preferred
Stock, Series E, no par value and liquidation preference $100,000 per share (the &ldquo;<U>Preferred Stock</U>&rdquo;). The Shares
are described in the Prospectus which is referred to below. The Preferred Stock, when issued, will be deposited against delivery
of depositary receipts (the &ldquo;<U>Depositary Receipts</U>&rdquo;), which will evidence the Shares and will be issued by Equiniti
Trust Company (the &ldquo;<U>Depositary</U>&rdquo;) under a deposit agreement, to be dated May 28, 2020 (the &ldquo;<U>Deposit
Agreement</U>&rdquo;), among the Company, the Depositary and the holders from time to time of the Depositary Receipts issued thereunder.
The terms of the Preferred Stock will be set forth in the Articles of Amendment (the &ldquo;<U>Articles of Amendment</U>&rdquo;)
to the Restated Charter of the Company to be filed by the Company with the Secretary of State of the State of Tennessee prior
to the date of the closing of the purchase of the Shares.</P>

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<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 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: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt; background-color: white">The
Company is concurrently offering two series of its senior notes in an aggregate principal amount of $800 million (the &ldquo;<U>Notes
Offering</U>&rdquo;). The issuance and sale of the Shares is not conditioned on the consummation of the Notes Offering, or vice
versa.</P>

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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt; background-color: white">The
Company has furnished to you, for use by the Underwriters and by dealers in connection with the offering of the Shares, copies
of one or more preliminary prospectus supplements, and the documents incorporated by reference therein, relating to the Shares.
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; background-color: white">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt; background-color: white">Except
where the context otherwise requires, &ldquo;<U>Prospectus Supplement</U>,&rdquo; as used herein, means the final prospectus supplement,
relating to the Shares, filed by the Company with</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">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 Shares.</P>

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

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

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

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

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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt; background-color: white">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; background-color: white">&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; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif">1.</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif"><U>Sale and Purchase</U></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt; background-color: white">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt; background-color: white">Upon
the basis of the representations and warranties and subject to the terms and conditions herein set forth, (a) 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 number of Firm Shares 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) $24.6250 per Share for 270,000 Shares
sold to institutional investors and (ii) $24.2125 per Share for 5,730,000 Shares sold to other investors and (b) in the event
and to the extent that the Underwriters shall exercise the election to purchase Optional Shares as provided below, 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, at the purchase price per share set forth in clause (a) of this Section 1, that portion of the number of Optional
Shares as to which such election shall have been exercised (to be adjusted by the Representatives so as to eliminate fractional
shares) determined by multiplying such number of Optional Shares by a fraction, the numerator of which is the maximum number of
Optional Shares which such Underwriter is entitled to purchase as set forth opposite the name of such Underwriter in <U>Schedule
A</U> hereto and the denominator of which is the maximum number of Optional Shares that all of the Underwriters are entitled to
purchase hereunder.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt; background-color: white">The
Company hereby grants to the Underwriters the right to purchase at their election up to 900,000 Optional Shares, at a purchase
price of $24.2125 per Share, for the sole purpose of covering sales of shares of Preferred Stock in excess of the number of Firm
Shares. Any such election to purchase Optional Shares may be exercised only by written notice from the Representatives to the
Company, given within a period of 30 calendar days after the date of this Agreement, setting forth the aggregate number of Optional
Shares to be purchased and the date on which such Optional Shares are to be delivered, as determined by the Representatives but
in no event earlier than the First Time of Purchase or, unless the Representatives and the Company otherwise agree in writing,
earlier than two or later than ten business days after the date of such notice.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt; background-color: white">The
Company is advised by you that the Underwriters intend (i) to make a public offering of their respective portions of the Shares
as soon after the effectiveness of this Agreement as in your judgment is advisable and (ii) initially to offer the Shares 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 Shares, the several
Underwriters agree to offer the Shares for sale in accordance with the terms and conditions set forth in the Prospectus.</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: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif">2.</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif"><U>Payment and Delivery</U></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt; background-color: white">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt; background-color: white">Payment
of the purchase price for the Shares shall be made to the Company by Federal Funds same-day wire transfer against delivery of
the certificates for the Shares to you through the facilities of The Depository Trust Company (&ldquo;<U>DTC</U>&rdquo;) for the
respective accounts of the Underwriters. Such payment and delivery shall be made, with respect to the Firm Shares, at 10:00 A.M.,
New York City time, on May 28, 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) and, with respect to the Optional Shares, 10:00 a.m., New York City time, on the date
specified by the Representatives in the written notice given by the Representatives of the Underwriters&rsquo; election to purchase
such Optional Shares (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 of the Firm Shares are to be made is hereinafter
sometimes called the &ldquo;<U>First Time of Purchase</U>&rdquo;, each such time and date for delivery of the Optional Shares,
if not the First Time of Purchase, is herein called the &ldquo;<U>Second Time of Purchase</U>&rdquo;, and each such time and date
for delivery is herein called a &ldquo;time of purchase&rdquo;. Electronic transfer of the Shares 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; background-color: white">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt; background-color: white">Deliveries
of the documents described in Section 6 hereof with respect to each time of purchase of the Shares shall be made at the offices
of Sullivan &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 Shares.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt; background-color: white">&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; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif">3.</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif"><U>Representations and Warranties of the Company</U></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt; background-color: white">&nbsp;</P>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt; background-color: white">(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 each
time of purchase, in all material respects, with the requirements of the Act; the conditions to the use of Form S-3 in connection
with the offering and sale of the Shares 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
Shares as contemplated hereby</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">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 each 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 6:05 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 each 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 each 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 each 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 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</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt; background-color: white">(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 Shares 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 Shares, 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
Shares 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 Shares 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 Shares, &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 Shares 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
Shares contemplated hereby is solely the property of the Company;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt; background-color: white">(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 (without
giving effect to the Notes Offering); 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; background-color: white">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt; background-color: white">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
Articles of Amendment has been duly authorized by the Company; the Articles of Amendment sets forth the relative rights, preferences
and limitations of the Preferred Stock, and the holders of the Preferred Stock will have the relative rights, preferences and
limitations set forth in the Articles of Amendment;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt; background-color: white">(f)&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</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">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 the Deposit Agreement,
to execute and file the Articles of Amendment with the Secretary of State of the State of Tennessee and to issue, sell and deliver
the Shares as contemplated herein and in the Deposit Agreement; 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; background-color: white">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt; background-color: white">(g)&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; background-color: white">&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 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 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; 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;the Preferred
Stock has been duly and validly authorized and, when issued and delivered against payment therefor as provided herein and in the
Deposit Agreement, will be</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">duly and validly issued, fully paid and
non-assessable and conforms or will conform, in all material respects, to the description thereof contained in the Registration
Statement, the Pre-Pricing Prospectuses, the Pricing Disclosure Package and the Prospectus; the Shares have been duly and validly
authorized by the Company and, when issued and delivered to the Underwriters against payment therefor and the Depositary Receipts
have been duly executed and delivered by the Depositary, in accordance with this Agreement and the Deposit Agreement, the Shares
will be duly and validly issued and the holders of the Shares will be entitled to the benefits of the Deposit Agreement and the
Depositary Receipts; and the Shares will conform in all material respects to the description 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">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt; background-color: white">(j)&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; background-color: white">&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;the Deposit
Agreement has been duly authorized and, when validly executed and delivered by the Company and the Depositary, will constitute
a legal, valid and binding agreement of the Company, enforceable against the Company in accordance with its 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; and such Deposit Agreement will conform in all material
respects to the description thereof 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; background-color: white">(l)&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; background-color: white">&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;the execution,
delivery and performance of this Agreement and the Deposit Agreement, the execution and filing of the Articles of Amendment with
the Secretary of State of the State of Tennessee and the issuance and sale of the Shares and the consummation of the transactions
contemplated hereby and by the Deposit Agreement 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</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0pt">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 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; text-indent: 0pt">&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;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 Shares or the consummation by the Company of the transactions contemplated hereby, other than (i) registration
of the Shares 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 Shares are being offered by the Underwriters, (iii) under the Rules of the Financial Industry
Regulatory Authority, Inc. (&ldquo;<U>FINRA</U>&rdquo;), (iv) listing of the Shares with the NYSE, (v) filing of the Articles
of Amendment, (vi) filing of a Form 8-A to register the Shares under the Exchange Act, or (vii) 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">(o)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;except as described
in the Registration Statement (excluding the exhibits thereto), each Pre-Pricing Prospectus, the Prospectus and the Pricing Disclosure
Package, (i) no person has the right, contractual or otherwise, to cause the Company to issue or sell to it any shares of Preferred
Stock and (ii) no person has any preemptive rights, resale rights, rights of first refusal or other rights to purchase any shares
of 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; background-color: white">(p)&nbsp;&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>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt; background-color: white">(s)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To
the knowledge of the Company, Ernst &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; background-color: white">&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;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)</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0pt">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 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">(u)&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">(v)&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, other than the consummation of the Notes Offering, (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, other than consummation of the Notes Offering, (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, other than consummation of the Notes Offering, (iv) except as set forth or contemplated in
the Registration Statement, each Pre-Pricing Prospectus and Prospectus, any</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0pt">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, other
than consummation of the Notes Offering 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: 0pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt; background-color: white">(w)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;neither
the Company nor any Significant Subsidiary is, or in connection with any sale of Shares will any of them be, and, after giving
effect to the offering and sale of the Shares 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>

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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt; background-color: white">(aa)&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,</P>

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt; background-color: white">(dd)&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; background-color: white">&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 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; background-color: white">(ff)&nbsp;&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,</P>

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    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">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; background-color: white">&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;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 Shares hereunder will
not be used, 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: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt; background-color: white">(hh)&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 Shares;</P>

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

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

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

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

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    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">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>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt; background-color: white">(kk)&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; background-color: white">&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; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif">4.</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif"><U>Certain Covenants of the Company</U></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt; background-color: white">&nbsp;</P>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt; background-color: white">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to
furnish such information as may be required and otherwise to cooperate in qualifying the Shares 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 Shares; <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 Shares 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; background-color: white">&nbsp;</P>

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

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    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">through compliance
with Rule 172 under the Act or any similar rule), in connection with the sale of the Shares, 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>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt; background-color: white">(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 Shares, 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 Shares, 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 Shares 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; background-color: white">&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 each time of purchase
(other than subsequent to the First Time of Purchase for filings made pursuant to the Exchange Act), 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</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">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: 0pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt; background-color: white">(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 Shares;</P>

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

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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt; background-color: white">(k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to
apply the net proceeds from the sale of the Shares 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; background-color: white">&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;&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,</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0pt">issue, sale and delivery
of the Shares, (iii) the producing, word processing and/or printing of this Agreement, any agreement among Underwriters, any dealer
agreements, 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 Shares 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 listing of the Shares on any securities exchange or qualification of the Shares for
listing on the NYSE and any registration thereof under the Exchange Act, (vi) any filing for a review of the public offering of
the Shares 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
Shares, (ix) the fees and disbursements of any transfer agent or registrar for the Shares, (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 Shares 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; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt; background-color: white">(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; background-color: white">&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;other than as
required in connection with the Merger Agreement, beginning on the date hereof and ending on, and including, the date that is
30 days after the date of this Agreement, without the prior written consent of the Representatives, which consent will not be
unreasonably withheld or delayed, not to (i) issue, sell, offer to sell, contract or agree to sell, hypothecate, pledge, grant
any option to purchase or otherwise dispose of or agree to dispose of, directly or indirectly, any securities of the Company that
are substantially similar to Preferred Stock, or any securities convertible into or exchangeable or exercisable for, or any warrants
or other rights to purchase, the foregoing, (ii) file or cause to become effective a registration statement under the Act relating
to the offer and sale of any Preferred Stock or any other securities of the Company that are substantially similar to Preferred
Stock, or any securities convertible into or exchangeable or exercisable for, or any warrants or other rights to purchase, the
foregoing or (iii) publicly announce an intention to effect any transaction specified in clause (i) or (ii);</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; background-color: white">(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 Shares other
than the Basic Prospectus, Pre-Pricing Prospectus, Prospectus or Permitted Free-Writing Prospectus;</P>

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    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt; background-color: white">(p)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;not
to, and to cause its subsidiaries not to, take, directly or indirectly, 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 Shares, 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 Shares
contemplated by this Agreement;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt; background-color: white">(q)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to
use best efforts to permit the Shares 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; background-color: white">&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;&nbsp;the Company
shall use reasonable efforts to list the Shares on the NYSE so that trading on such exchange will begin within 30 days after the
date of 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">(s)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to maintain
a transfer agent and, if necessary under the jurisdiction of incorporation of the Company, a registrar for the Preferred Stock.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">&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; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif">5.</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif"><U>Reimbursement of the Underwriters&rsquo; Expenses</U></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt; background-color: white">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt; background-color: white">If,
after the execution and delivery of this Agreement, the Shares 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>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt; background-color: white">&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; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif">6.</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif"><U>Conditions of the Underwriters&rsquo; Obligations</U></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt; background-color: white">&nbsp;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt; background-color: white">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company shall furnish to you at each time of purchase an opinion of Sullivan &amp; Cromwell LLP, counsel for the Company, addressed
to the Underwriters, and dated such 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; background-color: white">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt; background-color: white">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company shall furnish to you at each time of purchase an opinion of Charles T. Tuggle, Jr., Executive Vice President and General
Counsel, addressed to the Underwriters, and dated such 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; background-color: white">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt; background-color: white">(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 each time of purchase, and addressed
to the Underwriters (with executed</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt; background-color: white">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;You
shall have received from Ernst &amp; Young LLP letters dated, respectively, the date of this Agreement and each 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; background-color: white">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt; background-color: white">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;You
shall have received at each time of purchase the favorable opinion of Simpson Thacher &amp; Bartlett LLP, counsel for the Underwriters,
dated such 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; background-color: white">&nbsp;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt; background-color: white">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Prior
to and at each 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; background-color: white">&nbsp;</P>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt; background-color: white">(i)&nbsp;&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 each
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; background-color: white">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt; background-color: white">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Shares 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; background-color: white">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt; background-color: white">(k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company shall have filed the Articles of Amendment with the Secretary of State of the State of Tennessee.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt; background-color: white">&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; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif">7.</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif"><U>Effective Date of Agreement; Termination</U></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt; background-color: white">&nbsp;</P>

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

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

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    <!-- Field: /Page -->

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt; background-color: white">If
the sale to the Underwriters of the Shares, 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; background-color: white">&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; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif">8.</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif"><U>Increase in Underwriters&rsquo; Commitments</U></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt; background-color: white">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt; background-color: white">Subject
to Sections 6 and 7 hereof, with respect to any time of purchase, if any Underwriter shall default in its obligation to take up
and pay for the Shares to be purchased by it hereunder at such time of purchase (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 number of Shares which all Underwriters so defaulting shall have agreed but failed to take up and pay for
does not exceed 10% of the total number of Shares to be purchased at that time of purchase, the non-defaulting Underwriters (including
the Underwriters, if any, substituted in the manner set forth below) shall take up and pay for (in</P>

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    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">addition to the
aggregate number of Shares they are obligated to purchase pursuant to Section 1 hereof) the number of Shares agreed to be purchased
by all such defaulting Underwriters at such time of purchase, as hereinafter provided. Such Shares 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 Shares shall be taken up and paid for by all non-defaulting Underwriters
pro rata in proportion to the aggregate number of Shares 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; background-color: white">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt; background-color: white">Without
relieving any defaulting Underwriter from its obligations hereunder, the Company agrees with the non-defaulting Underwriters that
it will not sell any Shares hereunder unless all of the Shares 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; background-color: white">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt; background-color: white">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 such 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>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt; background-color: white">If
the aggregate number of Shares which the defaulting Underwriter or Underwriters agreed to purchase exceeds 10% of the total number
of Shares which all Underwriters agreed to purchase at such time of 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 Shares which
the defaulting Underwriter or Underwriters agreed to purchase at such time of purchase hereunder, this Agreement (or, with respect
to the Second Time of Purchase, the obligations of the Underwriters to purchase and of the Company to sell the Optional Shares)
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; background-color: white">&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; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif">9.</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif"><U>Indemnity and Contribution</U></TD></TR>
</TABLE>
<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">(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</P>

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    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">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 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; background-color: white">(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</P>

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    <!-- Field: /Page -->

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

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

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

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">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 Shares.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">&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; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif">10.</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif"><U>Information Furnished by the Underwriters</U></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt; background-color: white">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt; background-color: white">The
statements set forth in the last paragraph on the cover page of the Pre-Pricing Prospectus and Prospectus Supplement; in the fourth
and fifth sentences of the paragraph under the caption &ldquo;Risk Factors&mdash;Risks Relating to the Depositary Shares&mdash;The
Series E Preferred Stock and the related depositary shares may not have an active trading market, and any such market for depositary
shares may be illiquid&rdquo; in the Pre-Pricing Prospectus and Prospectus Supplement; in the sixth and seventh paragraphs, the
fourth and fifth sentences of the tenth paragraph, the twelfth, thirteenth and fourteenth paragraphs, the first sentence of the
fifteenth paragraph and the sixteenth paragraph all under the caption &ldquo;Underwriting&rdquo; in the Pre-Pricing Prospectus
and Prospectus Supplement, 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 fifteenth
paragraph under the caption &ldquo;Underwriting&rdquo; in the Pre-Pricing Prospectus and Prospectus Supplement will also constitute
information furnished by or on behalf of Morgan Stanley &amp; Co. LLC, 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; text-indent: 72pt; background-color: white">&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; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif">11.</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif"><U>Notices</U></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt; background-color: white">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt; background-color: white">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 &amp; Co. LLC, 1585 Broadway,
29th Floor, New York, NY 10036 (fax: (212) 507-8999), Attn: Investment Banking Division, BofA Securities Inc. at 50 Rockefeller
Plaza, NY1-050-12-01, New York, New York 10020 (fax: (212) 901-7881), Attention: High Grade Debt Capital Markets Transaction Management/Legal,
UBS Securities LLC, 1285 Avenue of the Americas, New York, New York 10019 (fax: (203) 719-0495), Attention: Fixed Income Syndicate,
and Wells Fargo Securities, LLC, 550 South Tryon Street, 5th Floor, Charlotte, NC 28202, Attention: Transaction Management, Email:
tmgcapitalmarkets@wellsfargo.com; 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; background-color: white">&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; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif">12.</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif"><U>Governing Law; Construction</U></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt; background-color: white">&nbsp;</P>

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

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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: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif">13.</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif"><U>Submission to Jurisdiction</U></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt; background-color: white">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt; background-color: white">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; background-color: white">&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; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif">14.</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif"><U>Parties at Interest</U></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt; background-color: white">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt; background-color: white">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; background-color: white">&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; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif">15.</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif"><U>No Fiduciary Relationship</U></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt; background-color: white">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt; background-color: white">The
Company acknowledges and agrees that (i) the purchase and sale of the Shares 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 Shares, 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 Shares
(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 Shares.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt; background-color: white">&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; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif">16.</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif"><U>Counterparts</U></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt; background-color: white">&nbsp;</P>

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

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">&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; background-color: white">&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; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif">17.</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif"><U>Successors and Assigns</U></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt; background-color: white">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt; background-color: white">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 Shares 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; background-color: white">&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; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 36pt; font: 12pt Times New Roman, Times, Serif">18.</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif"><U>Recognition of the U.S. Special Resolution Regime.</U></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt; background-color: white">&nbsp;</P>

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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><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; background-color: white">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; text-align: justify; background-color: white">&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; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: 12pt Times New Roman, Times, Serif">Very truly yours,</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-variant: small-caps">FIRST HORIZON NATIONAL CORPORATION</FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; width: 50%">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; width: 2%">By:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; width: 30%; text-align: center; border-bottom: Black 1px solid">/s/ Dane Smith</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; width: 18%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">Name: Dane Smith</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">Title: SVP, Corporate Treasurer</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
</TABLE>
<P STYLE="margin: 0pt 0; font: 12pt Times New Roman, Times, Serif"><I>&nbsp;</I></P>

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

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    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">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; background-color: white">&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; font: 12pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 12pt Times New Roman, Times, Serif">Morgan Stanley &amp; Co. LLC</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="width: 4%; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 36%; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 60%; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">By:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; border-bottom: Black 1px solid; padding-left: 10pt">/s/ Ian Drewe</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">Name: Ian Drewe</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">Title: Executive Director</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">&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; font: 12pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 12pt Times New Roman, Times, Serif">BofA Securities, Inc.</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="width: 7%; font: 12pt Times New Roman, Times, Serif">By:</TD>
    <TD STYLE="width: 33%; font: 12pt Times New Roman, Times, Serif; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="width: 60%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">Name:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">Title:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 12pt Times New Roman, Times, Serif">UBS Securities LLC</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">By:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">Name:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">Title:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">By:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">Name:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">Title:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 12pt Times New Roman, Times, Serif">Wells Fargo Securities, LLC</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">By:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">Name:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">Title:</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>

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

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


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">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; background-color: white">&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; font: 12pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 12pt Times New Roman, Times, Serif">Morgan Stanley &amp; Co. LLC</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">By:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="width: 4%; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 36%; font: 12pt Times New Roman, Times, Serif">Name:</TD>
    <TD STYLE="width: 60%; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">Title:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">&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; font: 12pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 12pt Times New Roman, Times, Serif">BofA Securities, Inc.</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="width: 7%; font: 12pt Times New Roman, Times, Serif">By:</TD>
    <TD STYLE="width: 33%; font: 12pt Times New Roman, Times, Serif; border-bottom: Black 1px solid; text-align: center">/s/ Pankaj Vasudev</TD>
    <TD STYLE="width: 60%; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">Name: Pankaj Vasudev</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">Title: Managing Director</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 12pt Times New Roman, Times, Serif">UBS Securities LLC</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">By:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">Name:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">Title:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">By:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">Name:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">Title:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 12pt Times New Roman, Times, Serif">Wells Fargo Securities, LLC</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">By:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">Name:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">Title:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
</TABLE>
<P STYLE="margin: 0pt 0; font: 12pt Times New Roman, Times, Serif"><I>&nbsp;</I></P>

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

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">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; background-color: white">&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; font: 12pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 12pt Times New Roman, Times, Serif">Morgan Stanley &amp; Co. LLC</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="width: 4%; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 36%; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 60%; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">By:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">Name:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">Title:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">&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; font: 12pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 12pt Times New Roman, Times, Serif">BofA Securities, Inc.</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="width: 7%; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 33%; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 60%; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">By:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">Name:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">Title:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 12pt Times New Roman, Times, Serif">UBS Securities LLC</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">By:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; border-bottom: Black 1px solid; text-align: center">/s/ James Anderson</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">Name: James Anderson</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">Title: Executive Director</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">By:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; border-bottom: Black 1px solid; text-align: center">/s/ Samuel Reinhart</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">Name: Samuel Reinhart</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">Title: Managing Director</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 12pt Times New Roman, Times, Serif">Wells Fargo Securities, LLC</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">By:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">Name:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">Title:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
</TABLE>
<P STYLE="margin: 0pt 0; font: 12pt Times New Roman, Times, Serif"><I>&nbsp;</I></P>

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

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    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">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; background-color: white">&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; font: 12pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 12pt Times New Roman, Times, Serif">Morgan Stanley &amp; Co. LLC</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">By:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="width: 4%; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 36%; font: 12pt Times New Roman, Times, Serif">Name:</TD>
    <TD STYLE="width: 60%; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">Title:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">&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; font: 12pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 12pt Times New Roman, Times, Serif">BofA Securities, Inc.</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">By:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="width: 7%; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 33%; font: 12pt Times New Roman, Times, Serif">Name:</TD>
    <TD STYLE="width: 60%; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">Title:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 12pt Times New Roman, Times, Serif">UBS Securities LLC</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">By:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">Name:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">Title:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">By:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">Name:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">Title:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 12pt Times New Roman, Times, Serif">Wells Fargo Securities, LLC</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">By:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; border-bottom: Black 1px solid; text-align: center">/s/ Carolyn Hurley</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">Name: Carolyn Hurley</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">Title: Director</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
</TABLE>
<P STYLE="margin: 0pt 0; font: 12pt Times New Roman, Times, Serif"><I>&nbsp;</I></P>

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 12pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1px solid">Underwriter</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right; border-bottom: Black 1px solid">Number of<BR>
Shares</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="width: 85%; text-align: left; text-indent: -10pt; padding-left: 10pt">Morgan Stanley &amp; Co. LLC</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; text-align: right">1,500,000</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -10pt; padding-left: 10pt">BofA Securities, Inc.</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,500,000</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; text-indent: -10pt; padding-left: 10pt">UBS Securities LLC</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,500,000</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -10pt; padding-left: 10pt">Wells Fargo Securities, LLC</TD><TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">1,500,000</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="padding-left: 10pt">Total</TD><TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 3px double; text-align: right">6,000,000</TD><TD STYLE="border-bottom: Black 3px double; text-align: left">&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>
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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><B><U>SCHEDULE
B</U></B></P>

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white">None.</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: center; background-color: white"><B><U>SCHEDULE
C</U></B></P>

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

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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">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; background-color: white"><B><U>EXHIBIT
A</U></B></P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><U>Final Term
Sheet</U></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: 8.03pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">Filed Pursuant to Rule 433<BR>
Registration No. 333-229338<BR>
May 20, 2020</P>

<P STYLE="font: 8.03pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>First Horizon National Corporation</B></P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>6,000,000 Depositary Shares<BR>
Each Representing 1/4,000<SUP>th </SUP>Interest in a Share of<BR>
Non-Cumulative Perpetual Preferred Stock, Series E</B></P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Pricing Term Sheet</B></P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0">This term sheet supplements the information set forth under
&ldquo;Description of the Series E Preferred Stock&rdquo; in the preliminary prospectus supplement, dated May 20, 2020 to the prospectus
dated January 23, 2019.</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 8.03pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 50%; vertical-align: top; text-align: left">Issuer:</TD>
    <TD STYLE="width: 50%; vertical-align: top; text-align: left">First Horizon National Corporation</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; text-align: left">Security:</TD>
    <TD STYLE="vertical-align: top; text-align: left">Depositary shares (the &ldquo;Depositary Shares&rdquo;) each representing
    a 1/4,000<SUP>th</SUP> ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series E of the Issuer (the
    &ldquo;Series E Preferred Stock&rdquo;)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; text-align: left">Expected Security Ratings:*</TD>
    <TD STYLE="vertical-align: top; text-align: left">Ba2 (stable) / BB- (stable) (Moody&rsquo;s / Fitch)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; text-align: left">Size:</TD>
    <TD STYLE="vertical-align: top; text-align: left">$150,000,000 (6,000,000 Depositary Shares)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; text-align: left">Over-Allotment Option:</TD>
    <TD STYLE="vertical-align: top; text-align: left">$22,500,000 (900,000 Depositary Shares)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; text-align: left">Liquidation Preference:</TD>
    <TD STYLE="vertical-align: top; text-align: left">$25 per Depositary Share (equivalent to $100,000 per share of Series E Preferred
    Stock)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; text-align: left">Term:</TD>
    <TD STYLE="vertical-align: top; text-align: left">Perpetual</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; text-align: left">Dividend Rate (Non-Cumulative):</TD>
    <TD STYLE="vertical-align: top; text-align: left">6.500% per annum, only when, as and if declared</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; text-align: left">Dividend Payment Dates:</TD>
    <TD STYLE="vertical-align: top; text-align: left">Quarterly in arrears on January 10, April 10, July 10 and October 10 of
    each year, commencing on October 10, 2020</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; text-align: left">Day Count:</TD>
    <TD STYLE="vertical-align: top; text-align: left">30/360</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; text-align: left">Trade Date:</TD>
    <TD STYLE="vertical-align: top; text-align: left">May 20, 2020</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; text-align: left">Settlement Date**:</TD>
    <TD STYLE="vertical-align: top; text-align: left">May 28, 2020 (T+5)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; text-align: left">Optional Redemption:</TD>
    <TD STYLE="vertical-align: top; text-align: left">The Issuer may, at its option, redeem the Series E Preferred Stock (i) in
    whole or in part, from time to time, on any dividend payment date on or after October 10, 2025, or (ii) in whole, but not
    in part, at any time within 90 days following a regulatory capital event (as defined in the preliminary prospectus supplement
    dated May 20, 2020), at a redemption price equal to $100,000 per share of Series A Preferred Stock (equivalent to $25 per
    Depositary Share), plus any declared and unpaid dividends.</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; text-align: left">Listing:</TD>
    <TD STYLE="vertical-align: top; text-align: left">Application will be made to list the Depositary Shares on the New York Stock
    Exchange under the symbol &ldquo;FHN PrE&rdquo;. If the application is approved, trading of the Depositary Shares on the New
    York Stock Exchange is expected to commence within a 30-day period after the initial delivery of the Depositary Shares.</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; text-align: left">Public Offering Price:</TD>
    <TD STYLE="vertical-align: top; text-align: left">$25.00 per Depositary Share</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; text-align: left">Underwriting Discounts and Commissions:</TD>
    <TD STYLE="vertical-align: top; text-align: left">$0.7689375 per Depositary Share<SUP>1</SUP></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; text-align: left">Net Proceeds (before expenses) to Issuer:</TD>
    <TD STYLE="vertical-align: top; text-align: left">$145,386,375</TD></TR>
</TABLE>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 8.03pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 50%; vertical-align: top; text-align: left">Joint Book-Running Managers:</TD>
    <TD STYLE="width: 50%; vertical-align: top; text-align: left">Morgan Stanley&nbsp;&amp; Co. LLC</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: left">BofA Securities, Inc.</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: left">UBS Securities LLC</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: left">Wells Fargo Securities, LLC</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; text-align: left">CUSIP/ISIN for the Depositary Shares:</TD>
    <TD STYLE="vertical-align: top; text-align: left">320517402 / US3205174028</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; text-align: left">Concurrent Offering:</TD>
    <TD STYLE="vertical-align: top; text-align: left">Concurrently with the offering of the Depositary Shares we are offering
    $800 aggregate principal amount of senior notes. The offering of the Depositary Shares is not conditioned on the offering
    of senior notes or vice versa.</TD></TR>
</TABLE>
<P STYLE="font: 8.03pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 8.03pt Times New Roman, Times, Serif; margin: 0pt 0">* 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: 8.03pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 8.03pt Times New Roman, Times, Serif; margin: 0pt 0">**The issuer expects that delivery of the Depositary Shares
will be made against payment therefor on or about the fifth business day following the date of pricing of the Depositary Shares
(this settlement cycle being referred to as &ldquo;T+5&rdquo;). Accordingly, purchasers who wish to trade the Depositary Shares
on the date of pricing or the next two succeeding business days will be required, by virtue of the fact that the Depositary Shares
initially will settle in T+5, to specify an alternate settlement cycle at the time of any such trade to prevent a failed settlement.
Purchasers of the Depositary Shares who wish to trade their Depositary Shares on the date of pricing or the next two succeeding
business days should consult their own advisors.</P>

<P STYLE="font: 8.03pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 8.03pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>1 </SUP>Reflects 270,000 Depositary Shares sold to institutional
investors, for which the underwriters received an underwriting discount of $0.3750 per Depositary Share, and 5,730,000 Depositary
Shares sold to retail investors, for which the underwriters received an underwriting discount of $0.7875 per Depositary Share.</P>

<P STYLE="font: 8.03pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 8.03pt Times New Roman, Times, Serif; margin: 0pt 0"><B>The Depositary Shares are not deposits or obligations of
a bank and are not insured or guaranteed by the Federal Deposit Insurance Corporation or by any other government agency or instrumentality.</B></P>

<P STYLE="font: 8.03pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 8.03pt Times New Roman, Times, Serif; margin: 0pt 0"><B>First Horizon National Corporation has filed a registration
statement (including a prospectus and preliminary prospectus supplement) with the SEC for the offering to which this communication
relates. Before you invest, you should read each of these documents and the other documents First Horizon National Corporation
has filed with the SEC and incorporated by reference in such documents for more complete information about First Horizon National
Corporation and this offering. You may get these documents for free by visiting EDGAR on the SEC website at www.sec.gov. Alternatively,
you may obtain a copy of these documents by calling Morgan Stanley&nbsp;&amp; Co. LLC toll free at 866-718-1649, BofA Securities,
Inc. toll free at 1-800-294-1322, UBS Securities LLC toll free at 1-888-827-7275 or Wells Fargo Securities, LLC toll free at 1-800-645-3751.</B></P>

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

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

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

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 36pt 0pt 0; text-align: right">May [<FONT STYLE="font-family: Symbol">&middot;</FONT>],
2020</P>

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



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



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



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



<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt">As Representatives of the several Underwriters,</P>

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

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



<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">1585 Broadway,</P>



<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: 36pt">New York, New York 10036,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt">c/o BofA Securities, Inc.,</P>



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



<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: 36pt">New York, New York 10036,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt">c/o UBS Securities LLC</P>



<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">1285 Avenue of the Americas,</P>



<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: 36pt">New York, New York 10019,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt">c/o Wells Fargo Securities, LLC,</P>



<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">550 South Tryon Street, 5th Floor</P>



<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: 36pt">Charlotte, North Carolina 28202.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: 36pt">&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 [<FONT STYLE="font-family: Symbol">&middot;</FONT>],
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 [<FONT STYLE="font-family: Symbol">&middot;</FONT>]
depositary shares (the &#8220;Depositary Shares&#8221;), each representing a 1/4,000<SUP>th</SUP> interest in a share of the Company&#8217;s
Non-Cumulative Perpetual Preferred Stock, Series E, liquidation preference of $100,000 per share (the &#8220;Preferred Stock&#8221;),
and evidenced by depositary receipts (the &#8220;Depositary Receipts&#8221;) to be issued pursuant to the Deposit Agreement, dated
as of May [<FONT STYLE="font-family: Symbol">&middot;</FONT>], 2020 (the &#8220;Deposit Agreement&#8221;), among the Company,
Equiniti Trust Company, as depositary (the &#8220;Depositary&#8221;), and the holders from time to time of the Depositary Receipts,
we, as counsel for the Company, have examined such corporate records, certificates</P>




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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 12pt Times New Roman, Times, Serif">
<TR>
<TD STYLE="vertical-align: top; width: 50%">Morgan Stanley&nbsp;&amp; Co. LLC<BR>
BofA Securities, Inc.<BR>
UBS Securities LLC<BR>
Wells Fargo Securities, LLC &nbsp;</TD>
<TD STYLE="vertical-align: bottom; width: 50%; font: 12pt Times New Roman, Times, Serif; text-align: right; padding-right: 30pt">- 2 -</TD></TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
<TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD></TR>
</TABLE>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(1)&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.&nbsp;&nbsp;&nbsp;&nbsp;</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;All regulatory
consents, authorizations, approvals and filings required to be obtained or made by the Company under the Covered Laws for the execution
and delivery by the Company of, and the performance by the Company of its obligations under, the Underwriting Agreement and the
Deposit Agreement have been obtained or made, other than the filing of a Form 8-A for the registration of the Depositary Shares
under the Securities Exchange Act of 1934 and the approval of the New York Stock Exchange to the listing of the Depositary Shares
on such Exchange.</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;The execution
and delivery by the Company of, and the performance by the Company of its obligations under, the Underwriting Agreement and the
Deposit Agreement will not 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">(4)&nbsp;&nbsp;&nbsp;&nbsp;The execution
and delivery by the Company of the Underwriting Agreement and the Deposit Agreement 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 exhibits 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 or (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 (no such orders are so listed).</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">(5)&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">(6)&nbsp;&nbsp;&nbsp;&nbsp;The Deposit
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, 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">(7)&nbsp;&nbsp;&nbsp;&nbsp;Upon
due issuance by the Depositary of the Depositary Receipts evidencing the Depositary Shares against the deposit of Preferred Stock
in accordance with the provisions of the Deposit Agreement and payment therefor in accordance with the Underwriting Agreement,
the Depositary Receipts will entitle the persons in whose names the Depositary Receipts are registered to the rights specified
therein and in the Deposit Agreement, subject to bankruptcy, insolvency, fraudulent transfer,</P>




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<TR>
<TD STYLE="vertical-align: top; width: 50%">Morgan Stanley&nbsp;&amp; Co. LLC<BR>
BofA Securities, Inc.<BR>
UBS Securities LLC<BR>
Wells Fargo Securities, LLC &nbsp;</TD>
<TD STYLE="vertical-align: bottom; width: 50%; font: 12pt Times New Roman, Times, Serif; text-align: right; padding-right: 30pt">- 3 -</TD></TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
<TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD></TR>
</TABLE>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(8)&nbsp;&nbsp;&nbsp;&nbsp;The Company
is not, and after giving effect to the offering and sale of the Depositary Shares will not be, an &ldquo;investment company&rdquo;,
as such term is defined in the Investment Company Act of 1940, as amended.</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: 72pt">We are expressing no opinion in paragraphs
2 and 3 above, insofar as performance by the Company of its obligations under the Underwriting Agreement and the Deposit Agreement
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 2 and 3 above, &ldquo;Covered
Laws&rdquo; means the Federal laws of the United States and the laws of the State of New&nbsp;York (including the published rules
or regulations thereunder) that in our experience normally are applicable to general business corporations and transactions such
as those contemplated by the Underwriting Agreement and the Deposit Agreement; <U>provided</U>, <U>however</U>, that such term
does not include Federal or state securities laws, other antifraud laws and fraudulent transfer laws, tax laws, the Employee Retirement
Income Security Act of 1974, antitrust laws or any law (other than the Bank Holding Company Act of 1956, as amended, and the published
rules and regulations thereunder) that is applicable to the Company, the Underwriting Agreement and the Deposit Agreement 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 Deposit Agreement has been duly authorized, executed and delivered by the Depositary, that the certificate
evidencing the Preferred Stock has been deposited with the Depositary in accordance with the Deposit Agreement, that the certificates
evidencing the Preferred Stock and the Depositary Receipts conform to the specimens thereof examined by us, that the Depositary
Receipts have been duly executed and delivered by one of the Depositary&rsquo;s authorized officers, that the certificate for the
Preferred Stock has been duly countersigned and registered by a registrar and transfer agent of the Preferred Stock, and that the
signatures on all documents examined by us are genuine, assumptions which we have not independently verified.</P>




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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR>
<TD STYLE="vertical-align: top; width: 50%">Morgan Stanley&nbsp;&amp; Co. LLC<BR>
BofA Securities, Inc.<BR>
UBS Securities LLC<BR>
Wells Fargo Securities, LLC &nbsp;</TD>
<TD STYLE="vertical-align: bottom; font: 12pt Times New Roman, Times, Serif; text-align: right; padding-right: 30pt; width: 50%">- 4 -</TD></TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
<TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD></TR>
</TABLE>

<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 Depositary Shares and may not be used in furtherance of any offer or
sale of the Depositary Shares<B>.</B></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 300pt">Very truly yours,</P>




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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"><U>Officer&rsquo;s Certificate as to Court
Orders</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-indent: 72pt">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 the Underwriting Agreement, dated May [<FONT STYLE="font-family: Symbol">&middot;</FONT>],
2020 (the &#8220;Underwriting Agreement&#8221;), between the Company and [<FONT STYLE="font-family: Symbol">&middot;</FONT>],
and the Deposit Agreement, dated May [<FONT STYLE="font-family: Symbol">&middot;</FONT>], 2020 (the &#8220;Deposit Agreement&#8221;),
among the Company, Equiniti Trust Company, as depositary, and holders from time to time of the depositary receipts issued pursuant
thereto, or the Company&#8217;s performance of its obligations under the Underwriting Agreement and the Deposit 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">IN WITNESS WHEREOF, I have hereunto signed
my name.</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">Charles T. Tuggle, Jr.</P>



<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Executive Vice President and General Counsel</P>



<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">First Horizon National Corporation<BR>
</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: 0pt">Dated: May [<FONT STYLE="font-family: Symbol">&middot;</FONT>],
2020</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 36pt 0pt 0; text-align: right">May [<FONT STYLE="font-family: Symbol">&middot;</FONT>],
2020</P>

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



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



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



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



<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 21.6pt">As Representatives of the several Underwriters,</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 21.6pt">c/o Morgan Stanley&nbsp;&amp; Co. LLC,</P>



<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 43.2pt">1585 Broadway,</P>



<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 64.8pt">New York, New York 10036,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 64.8pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 21.6pt">c/o BofA Securities, Inc.,</P>



<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 43.2pt">One Bryant Park,</P>



<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 64.8pt">New York, New York 10036,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 64.8pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 21.6pt">c/o UBS Securities LLC</P>



<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 43.2pt">1285 Avenue of the Americas,</P>



<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 64.8pt">New York, New York 10019,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 64.8pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">c/o Wells Fargo Securities, LLC,</P>



<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt">550 South Tryon Street, 5th Floor</P>



<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 108pt">Charlotte, North Carolina 28202.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 108pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Ladies and Gentlemen:</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">This is with reference
to the registration under the Securities Act of 1933 (the &ldquo;Securities Act&rdquo;) and offering of [<FONT STYLE="font-family: Symbol">&middot;</FONT>]
depositary shares (the &#8220;Depositary Shares&#8221;), each representing a 1/4,000th interest in a share of Non-Cumulative Perpetual
Preferred Stock, Series E, liquidation preference of $100,000 per share (the &#8220;Preferred Stock&#8221; and, together with the
Depositary Shares, the &#8220;Securities&#8221;), of First Horizon National Corporation (the &#8220;Company&#8221;).</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%">Morgan Stanley&nbsp;&amp; Co. LLC<BR>
BofA Securities, Inc. <BR>
UBS Securities LLC <BR>
Wells Fargo Securities, LLC &nbsp;</TD>
<TD STYLE="vertical-align: bottom; font: 12pt Times New Roman, Times, Serif; text-align: right; padding-right: 30pt; width: 50%">-2-</TD></TR>
</TABLE>

<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 Registration Statement
relating to the Securities (File No.&nbsp;333-229338) was filed on Form&nbsp;S-3 in accordance with procedures of the Securities
and Exchange Commission (the &ldquo;Commission&rdquo;) permitting a delayed or continuous offering 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
[<FONT STYLE="font-family: Symbol">&middot;</FONT>], 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&nbsp;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; 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 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&nbsp;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 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 captions &ldquo;Description of Preferred Stock&rdquo;, &ldquo;Description
of the Series E Preferred Stock&rdquo;, &ldquo;Description of Depositary Shares&rdquo;, &ldquo;Underwriting (Conflicts of Interest)&rdquo;
and &ldquo;Material United States Federal Income Tax Consequences&rdquo;, insofar as they relate to provisions of the Securities,
the Underwriting Agreement and the Deposit Agreement therein described or in so far 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>




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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
<TD STYLE="width: 50%">Morgan Stanley&nbsp;&amp; Co. LLC<BR>
BofA Securities, Inc.<BR>
UBS Securities LLC <BR>
Wells Fargo Securities, LLC &nbsp;</TD>
<TD STYLE="width: 50%; text-align: right; padding-right: 30pt">-3- </TD></TR>
</TABLE>

<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">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-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">(a) 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; 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">(b) the Pricing Disclosure
Package, as of [<FONT STYLE="font-family: Symbol">&middot;</FONT>] P.M. on May [<FONT STYLE="font-family: Symbol">&middot;</FONT>],
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; 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">(c) 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; 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">We also advise you that
nothing that came to our attention in the course of the procedures described in the second sentence of the second 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-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">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>

<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: 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 fourth 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 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</P>




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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
<TD STYLE="width: 50%">Morgan Stanley&nbsp;&amp; Co. LLC<BR>
BofA Securities, Inc.<BR>
UBS Securities LLC<BR>
Wells Fargo Securities, LLC &nbsp;</TD>
<TD STYLE="width: 50%; text-align: right; padding-right: 30pt">-4-</TD></TR>
</TABLE>

<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: 0pt">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.</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: 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.&nbsp;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-align: justify; text-indent: 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 55%; text-align: left">&nbsp;</TD><TD STYLE="text-align: justify; width: 45%">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; text-align: justify; text-indent: 36pt">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Preliminary
Prospectus Supplement, dated May [<FONT STYLE="font-family: Symbol">&middot;</FONT>], 2020, including the Prospectus, dated
January 23, 2019, filed with the Commission on May [<FONT STYLE="font-family: Symbol">&middot;</FONT>], 2020 pursuant to Rule
424 under the Securities 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">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Final
Term Sheet, dated May [<FONT STYLE="font-family: Symbol">&middot;</FONT>], 2020, filed with the Commission by the Company on
May [<FONT STYLE="font-family: Symbol">&middot;</FONT>], 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; background-color: white"><B><U>EXHIBIT C</U></B></P>

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

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

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 36pt 0pt 0; text-align: right">May [<FONT STYLE="font-family: Symbol">&middot;</FONT>],
2020</P>

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



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



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



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



<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">As Representatives of the several Underwriters,</P>

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

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



<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">1585 Broadway,</P>



<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: 36pt">New York, New York 10036,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">c/o BofA Securities, Inc.,</P>



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



<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: 36pt">New York, New York 10036,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">c/o UBS Securities LLC</P>



<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">1285 Avenue of the Americas,</P>



<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: 36pt">New York, New York 10019,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">c/o Wells Fargo Securities, LLC,</P>



<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">550 South Tryon Street, 5th Floor</P>



<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: 36pt">Charlotte, North Carolina 28202.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: 36pt">&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">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 [<FONT STYLE="font-family: Symbol">&middot;</FONT>],
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 [<FONT STYLE="font-family: Symbol">&middot;</FONT>]
depositary shares (the &#8220;Depositary Shares&#8221;), each representing a 1/4,000<SUP>th</SUP> interest in a share of the Company&#8217;s
Non-Cumulative Perpetual Preferred Stock, Series E, liquidation preference of $100,000 per share (the &#8220;Preferred Stock&#8221;),
and evidenced by</P>




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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 30pt 0pt 0; text-align: right">2</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">depositary receipts (the &ldquo;Depositary Receipts&rdquo;)
to be issued pursuant to the Deposit Agreement, dated as of the date hereof (the &ldquo;Deposit Agreement&rdquo;), among the Company,
Equiniti Trust Company, as depositary, and the holders from time to time of the Depositary Receipts. The Depositary Shares are
being offered and sold pursuant to an Underwriting Agreement, dated May [<FONT STYLE="font-family: Symbol">&middot;</FONT>],
2020 (&#8220;Underwriting Agreement&#8221;), between the Underwriters listed on Schedule A thereto (the &#8220;Underwriters&#8221;)
and the Company. 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">&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 May [<FONT STYLE="font-family: Symbol">&middot;</FONT>], 2020 by unanimous written consent of the
Board of Directors of the Company (the &#8220;Board&#8221;), resolutions adopted on May 20, 2020 by a senior executive officer
of the Company under authority of the Board, the Registration Statement, the Pre-Pricing Prospectus, the Prospectus, the Underwriting
Agreement, 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 18
below.</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" 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: 21.6pt"><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 Deposit Agreement and to perform its obligations thereunder,
including, without limitation, to issue, sell and deliver the Depositary Shares as contemplated by the Underwriting Agreement.</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" 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: 21.6pt"><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 BHC.</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" 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: 21.6pt"><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 Banking 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 </FONT></TD></TR></TABLE>




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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 30pt 0pt 0; text-indent: 0pt; text-align: right">3</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 21.6pt; text-indent: 0pt; text-align: justify">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 Banking Regulator or any other
federal or state agency or authority, nor has the Company or any of its Significant Subsidiaries been advised by any Banking 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.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 21.6pt; text-indent: 0pt">&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: 21.6pt"><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" 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: 21.6pt"><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" 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: 21.6pt"><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" 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: 21.6pt"><FONT STYLE="font-weight: normal">(7)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-weight: normal">The shares of Preferred Stock have been duly authorized and validly
issued and are fully paid and non-assessable, and the terms of the Preferred Stock are valid and binding on 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" 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: 21.6pt"><FONT STYLE="font-weight: normal">(8)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-weight: normal">The Deposit 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, 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>

<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: 21.6pt"><FONT STYLE="font-weight: normal">(9)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-weight: normal">The Company has an authorized and outstanding equity capitalization
as set forth in the Registration Statement, the Pre-Pricing Prospectus and the Prospectus; all of the issued and outstanding shares
of Preferred Stock of the Company have been duly authorized and validly issued, are fully paid and non-assessable; the shares of
Preferred Stock are free of statutory preemptive rights and, to my knowledge, contractual preemptive rights, resale rights, rights
of first refusal and similar rights; and the certificates for the shares of Preferred Stock are in proper form.</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" 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: 21.6pt"><FONT STYLE="font-weight: normal">(10)</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 </FONT></TD></TR></TABLE>




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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 30pt 0pt 0; text-indent: 0pt; text-align: right">4</P>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 21.6pt; text-indent: 0pt">&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: 21.6pt"><FONT STYLE="font-weight: normal">(11)</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" 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: 21.6pt"><FONT STYLE="font-weight: normal">(12)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-weight: normal">The capital stock of the Company, including the Preferred Stock,
conforms in all material respects to the description thereof, if any, contained 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" 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: 21.6pt"><FONT STYLE="font-weight: normal">(13)</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;<U>IBKC</U>&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" 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: 21.6pt"><FONT STYLE="font-weight: normal">(14)</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 Deposit Agreement by the Company, the execution and filing of the Articles
of Amendment, the issuance and sale of the Depositary Shares and the consummation by the Company of the transactions contemplated
by the Underwriting Agreement and the Deposit Agreement other than registration of the Preferred Stock and Depositary Shares under
the Act, which has been effected, the listing of the Depositary Shares on the NYSE, the registration of the Depositary Shares under
the Exchange Act and the filing of the Articles of Amendment with the Secretary of the State of Tennessee, which has been made
(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" 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: 21.6pt"><FONT STYLE="font-weight: normal">(15)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-weight: normal">The execution, delivery and performance of the Underwriting Agreement
and the Deposit Agreement by the Company, the execution and filing of the Articles of Amendment, the issuance and sale of the Depositary
Shares and the consummation of the transactions contemplated by the Underwriting Agreement and the Deposit 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 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 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 </FONT></TD></TR></TABLE>




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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 30pt 0pt 0; text-indent: 0pt; text-align: right">5</P>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 21.6pt; text-indent: 0pt">&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: 21.6pt"><FONT STYLE="font-weight: normal">(16)</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" 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: 21.6pt"><FONT STYLE="font-weight: normal">(17)</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, the Deposit Agreement or the Articles of Amendment; 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" 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: 21.6pt"><FONT STYLE="font-weight: normal">(18)</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 Preferred Stock&rdquo;, &ldquo;Description of the Series E Preferred Stock&rdquo;, &ldquo;Description of Depositary Shares&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, 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" 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: 21.6pt"><FONT STYLE="font-weight: normal">(19)</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 </FONT></TD></TR></TABLE>




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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 30pt 0pt 0; text-indent: 0pt; text-align: right">6</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 21.6pt; text-indent: 0pt; text-align: justify">defined below) or the Prospectus
(except as and to the extent stated in subparagraphs 9, 12 and 18 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 therein not misleading; (ii) the Pricing Disclosure Package (as defined
below), as of the Applicable Time, 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
19 with respect to the financial statements and schedules, and 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 or the Prospectus). As used herein, (A) &ldquo;<U>Applicable Time</U>&rdquo; means [<FONT STYLE="font-family: Symbol">&middot;</FONT>]
P.M., New York City time, on May [<FONT STYLE="font-family: Symbol">&middot;</FONT>], 2020 (which you have informed me is prior
to the time of the first sale of Depositary Shares 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 [<FONT STYLE="font-family: Symbol">&middot;</FONT>],
2020.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">The Registration Statement, Pre-Pricing Prospectus,
Pricing Disclosure Package and Prospectus also includes information or statements with respect to IBKC (the &ldquo;IBKC Information&rdquo;).
While IBKC is a party to a merger agreement with the Company, it is not a subsidiary of the Company, controlled by the Company
or subject to the Company&rsquo;s disclosure controls and procedures or internal control over financial reporting. Thus, the procedures
I have performed as to the IBKC Information was necessarily more limited than with respect to the Company.</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">The opinions expressed herein are limited to the federal laws
of the United States and the laws of the State of Tennessee, 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 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>




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<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 Representative 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 Depositary Shares and may not be used
in furtherance of any offer or sale of the Depositary Shares.</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">&nbsp;</P>

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



<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Executive Vice President and General Counsel</P>



<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">First Horizon National Corporation</P>




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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white">May 28, 2020</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt; background-color: white">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,
BofA Securities, Inc., UBS Securities LLC and Wells Fargo 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; background-color: white">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; background-color: white"><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 Pricing Disclosure
Package, 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; background-color: white"><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; background-color: white"><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; background-color: white">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; background-color: white">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><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; background-color: white"><FONT STYLE="font-variant: small-caps">In
Witness Whereof</FONT>, the undersigned have hereunto set their hands on this</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">May,&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2020.</P>

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt; font: 12pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%"><BR></TD>
    <TD STYLE="width: 50%; border-top: Black 1px solid">Name: D. Bryan Jordan</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Title:
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>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="border-top: Black 1px solid">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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<TYPE>EX-3.1
<SEQUENCE>3
<FILENAME>c95916_ex3-1.htm
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<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">Exhibit 3.1</P>

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

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

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

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

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

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

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

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

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

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

<P STYLE="font: bold 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>Under Sections 48-16-102 and 48-20-106
of the Tennessee Business Corporation Act</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-indent: 36pt">The undersigned, being a duly authorized
officer of First Horizon National Corporation (the &ldquo;<U>Corporation</U>&rdquo;), acting pursuant to Sections 48-16-102 and
48-20-106 of the Tennessee Business Corporation Act, hereby certifies as follows:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; 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: 18pt"></TD><TD STYLE="width: 18pt">1.</TD><TD>The name of the Corporation is FIRST HORIZON NATIONAL CORPORATION.</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: 18pt"></TD><TD STYLE="width: 18pt">2.</TD><TD>The Restated Charter is hereby amended by the addition of a new section to Article 10 stating the number, designation, relative
rights, preferences and limitations of a new series of preferred stock as fixed by the Board of Directors, which section shall
read in its entirety as follows:</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: 18pt">(b)</TD><TD><U>Non-Cumulative Perpetual Preferred Stock, Series E</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 0pt 36pt; text-indent: 36pt">(1) <U>Designation and Number of
Shares</U>. There is hereby created out of the authorized and unissued shares of Preferred Stock of the Corporation a series of
Preferred Stock designated as the &ldquo;Non-Cumulative Perpetual Preferred Stock, Series E&rdquo; (hereinafter called &ldquo;<U>Series
E Preferred Stock</U>&rdquo;) initially consisting of 1,725 shares. The number of shares constituting the Series E Preferred Stock
may be increased from time to time by resolution of the Board of Directors, without the vote or consent of the holders of Series
E Preferred Stock in accordance with law up to the maximum number of shares of Preferred Stock authorized to be issued under the
Restated Charter, less all shares at the time authorized of any other series of Preferred Stock. Shares of Series E Preferred Stock
shall be dated the date of issue; provided, that any such additional shares of Series E Preferred Stock are not treated as &ldquo;disqualified
preferred stock&rdquo; within the meaning of Section 1059(f)(2) of the Internal Revenue Code of 1986, as amended, or any successor
provision, and such additional shares of Series E Preferred Stock are otherwise treated as fungible with the initial 1,725 shares
of Series E Preferred Stock for U.S. federal income tax purposes. Shares of outstanding Series E Preferred Stock that are redeemed,
purchased or otherwise acquired by the Corporation shall, after such redemption, purchase or acquisition, be cancelled and shall
revert to authorized but unissued shares of Preferred Stock undesignated as to series until such shares are once more designated
as part of a particular series by the Board of Directors.</P>

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


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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 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) <U>Definitions</U>. The following
terms are used in this Article 10(b) (including the Standard Provisions in Annex B hereto) as defined below:</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">&ldquo;<U>Board of Directors</U>&rdquo;
means the Board of Directors of the Corporation or any duly authorized committee thereof.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 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">&ldquo;<U>Common Stock</U>&rdquo;
means the common stock, par value $0.625 per share, of the Corporation.</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">&ldquo;<U>Dividend Payment Date</U>&rdquo;
means each January 10, April 10, July 10 and October 10, commencing October 10, 2020; <I>provided</I>, <I>however</I>, that if
any such date is not a Business Day, then such date shall nevertheless be a Dividend Payment Date but dividends on the Series E
Preferred Stock, when, as and if declared, shall be paid on the next succeeding Business Day (without interest or any other adjustment
in the amount of the dividend per share of Series E Preferred Stock).</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">&ldquo;<U>Junior Stock</U>&rdquo;
means (A) the Common Stock and (B) any other class or series of capital stock of the Corporation now or hereafter authorized, issued
or outstanding that, by its terms, does not expressly provide that it ranks <I>pari passu</I> with or senior to the Series E Preferred
Stock as to (i) payment of dividends and/or (ii) distributions upon the liquidation, dissolution or winding-up of the Corporation.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 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">&ldquo;<U>Preferred Stock</U>&rdquo;
means any and all series of preferred stock, having no par value, of the Corporation, including the Series A and the Series E Preferred
Stock.</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">&ldquo;<U>Series A Preferred Stock</U>&rdquo;
means the Non-Cumulative Perpetual Preferred Stock, Series A, of the Corporation.</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">&ldquo;<U>Series E Liquidation Amount</U>&rdquo;
means $100,000 per share of Series E Preferred Stock.</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) <U>Certain Voting Matters</U>.
Holders of shares of Series E Preferred Stock will be entitled to one vote for each such share on any matter on which holders of
Series E Preferred Stock are entitled to vote, including any action by written consent.</P>

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


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<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">3.</TD><TD>The foregoing amendment to the Restated Charter was authorized by the Board of Directors (by unanimous written consent on May
14, 2020) and by the Board&rsquo;s duly authorized senior executive officer on May 20, 2020, without shareholder approval, as such
was not required.</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: 18pt"></TD><TD STYLE="width: 18pt">4.</TD><TD>The foregoing amendment will be effective upon filing of the Articles of Amendment with the Secretary of State of the State
of Tennessee.</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 Left
Blank</I>]</P>

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<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">FIRST HORIZON NATIONAL CORPORATION</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 40%">&nbsp;</TD>
    <TD STYLE="width: 4%">&nbsp;</TD>
    <TD STYLE="width: 44%">&nbsp;</TD>
    <TD STYLE="width: 12%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Date: May 20, 2020</TD>
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;/s/ Clyde A. Billings, Jr.</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;&nbsp;Clyde A. Billings, Jr., Corporate Secretary</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>ANNEX B</B></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"><B>STANDARD PROVISIONS SERIES E</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-indent: 36pt"><FONT STYLE="color: #010000">Section 1.&#9;</FONT><U>General
Matters</U>. Each share of Series E Preferred Stock shall be identical in all respects to every other share of Series E Preferred
Stock. The Series E Preferred Stock shall be perpetual, subject to the provisions of Section 5 of these Standard Provisions that
form a part of the Articles of Amendment.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 2.&#9;</FONT><U>Definitions</U>.
As used herein with respect to the Series E Preferred Stock:</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><I>&ldquo;</I><U>Appropriate Federal Banking
Agency</U>&rdquo; means the &ldquo;appropriate federal banking agency&rdquo; with respect to the Corporation as defined in Section
3(q) of the Federal Deposit Insurance Act (12 U.S.C. &sect; 1813(q)), or any successor provision.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&ldquo;<U>Articles of Amendment</U>&rdquo;
means the Articles of Amendment relating to the Series E Preferred Stock, of which these Standard Provisions form a part, as it
may be amended from time to time.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&ldquo;<U>Business Day</U>&rdquo; means each
weekday that is not a legal holiday in New York, New York and is not a day on which banking institutions in New York, New York
are authorized or obligated by law, regulation or executive order to close.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&ldquo;<U>Bylaws</U>&rdquo; means the Bylaws
of the Corporation, as may be amended from time to time.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&ldquo;<U>Dividend Parity Stock</U>&rdquo;
means any other class or series of capital stock of the Corporation now or hereafter authorized, issued or outstanding that, by
its terms, expressly provides that it ranks <I>pari passu</I> with the Series E Preferred Stock as to the payment of dividends
(regardless whether such capital stock bears dividends on a non-cumulative or cumulative basis). The Series A Preferred Stock is
a Dividend Parity Stock.</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">&ldquo;<U>Dividend Period</U>&rdquo; means
each period from and including a Dividend Payment Date to, but excluding, the next succeeding Dividend Payment Date, except that
the initial Dividend Period shall commence on and include the Original Issue Date.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&ldquo;<U>Dividend Record Date</U>&rdquo;
has the meaning specified in Section 3(a).</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&ldquo;<U>DTC</U>&rdquo; means The Depository
Trust Company, together with its successors and assigns.</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">&ldquo;<U>Liquidation Junior Stock</U>&rdquo;
means any other class or series of capital stock of the Corporation now or hereafter authorized, issued or outstanding that, by
its terms, does not</P>

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


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">expressly provide that it ranks <I>pari passu</I>
with or senior to the Series E Preferred Stock as to distributions upon the liquidation, dissolution or winding-up of the Corporation.&#9;</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">&#9;&ldquo;<U>Liquidation Parity Stock</U>&rdquo;
means any other class or series of capital stock of the Corporation now or hereafter authorized, issued or outstanding that, by
its terms, expressly provides that it ranks <I>pari passu</I> with the Series E Preferred Stock as to distributions upon the liquidation,
dissolution or winding-up of the Corporation. The Series A Preferred Stock is a Liquidation Parity Stock.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&#9;&ldquo;<U>Liquidation Preference</U>&rdquo;
means, with respect to any class or series of capital stock of the Corporation, the amount otherwise payable upon such class or
series of capital stock in connection with any distribution upon the liquidation, dissolution or winding-up of the Corporation
(assuming no limitation on the assets of the Corporation available for such distribution), including an amount equal to any declared
but unpaid dividends (and in the case of any holder of capital stock on which dividends accrue on a cumulative basis, an amount
equal to any unpaid, accrued, cumulative dividends, whether or not declared, as applicable).</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&#9;&ldquo;<U>Nonpayment Event</U>&rdquo;
has the meaning set forth in Section 6(c)(i).</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&ldquo;<U>Original Issue Date</U>&rdquo;
means the first date on which any share of Series E Preferred Stock is issued and outstanding.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&#9;&ldquo;<U>Preferred Stock Director</U>&rdquo;
has the meaning set forth in Section 6(c)(i).</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&#9;&ldquo;<U>Redemption Date</U>&rdquo;
has the meaning set forth in Section 5(b).</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&#9;&ldquo;<U>Redemption Depository</U>&rdquo;
has the meaning set forth in Section 5(e).</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&#9;&ldquo;<U>Redemption Price</U>&rdquo;
means an amount equal to the Series E Liquidation Amount plus the per share amount of any declared but unpaid dividends on the
Series E Preferred Stock prior to the Redemption Date (but with no amount in respect of any dividends that have not been declared
prior to the Redemption Date).</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&#9;&ldquo;<U>Regulatory Capital Treatment
Event</U>&rdquo; means the good faith determination by the Corporation that, as a result of (i) any amendment to, clarification
of, or change in, the laws or regulations of the United States or any political subdivision of or in the United States that is
enacted or becomes effective after the initial issuance of any share of Series E Preferred Stock, (ii) any proposed change in those
laws or regulations that is announced or becomes effective after the initial issuance of any share of Series E Preferred Stock,
or (iii) any official administrative decision or judicial decision or administrative action or other official pronouncement interpreting
or applying those laws or regulations that is announced after the initial issuance of any share of Series E Preferred Stock, there
is more than an insubstantial risk that the Corporation will not be entitled to treat the full Series E Liquidation Amount of Series
E Preferred Stock then outstanding as &ldquo;tier 1 capital&rdquo; (or its equivalent) for purposes of the capital adequacy guidelines
of the Board of Governors of the Federal Reserve System (or, as and if</P>

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


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">applicable, the capital adequacy guidelines or regulations of
any successor Appropriate Federal Banking Agency) as then in effect and applicable.</P>

<P STYLE="font: 10pt 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">&ldquo;<U>Restated Charter</U>&rdquo; means
the Restated Charter of the Corporation, as may be amended from time to time.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&ldquo;<U>Standard Provisions</U>&rdquo;
means these Standard Provisions that form a part of the Articles of Amendment.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&ldquo;<U>Voting Parity Stock</U>&rdquo;
means, with regard to any matter as to which the holders of Series E Preferred Stock are entitled to vote as specified in Section
6, any and all series of Dividend Parity Stock having voting rights equivalent to those described in Section 6(c). The Series A
Preferred Stock is a Voting Parity Stock.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 3.&#9;</FONT><U>Dividends</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Rate
and Payment</U>. Holders of Series E Preferred Stock shall be entitled to receive, when, as and if declared by the Board of Directors,
out of assets legally available therefor, non-cumulative cash dividends at a rate equal to 6.500% of the Series E Liquidation Amount
<I>per annum</I>, payable in arrears, on each Dividend Payment Date with respect to the Dividend Period (or portion thereof) ending
on the day preceding such respective Dividend Payment Date. Dividends that are payable on the Series E Preferred Stock on any Dividend
Payment Date shall be payable to holders of record of Series E Preferred Stock as they appear on the Corporation&rsquo;s stock
register on the applicable record date, which shall be the 15th calendar day before the applicable Dividend Payment Date, or such
other record date, no more than 60 calendar days nor less than 10 calendar days before the applicable Dividend Payment Date, as
shall be fixed by the Board of Directors (the &ldquo;<U>Dividend Record Date</U>&rdquo;). A Dividend Record Date established for
the Series E Preferred Stock need not be a Business Day. Any such day that is a Dividend Record Date shall be a Dividend Record
Date whether or not such day is a Business Day. Dividends payable on Series E Preferred Stock shall be computed on the basis of
a 360-day year consisting of twelve 30-day months. Dollar amounts resulting from that calculation shall be rounded to the nearest
cent, with one-half cent being rounded upward. The Corporation shall not pay interest or any sum of money instead of interest on
any dividend payment that may be in arrears on the Series E Preferred Stock.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Dividends
Non-Cumulative</U>. Dividends on the Series E Preferred Stock will not be cumulative and will not be mandatory. If the Board of
Directors does not declare a dividend on the Series E Preferred Stock in respect of a Dividend Period, then no dividend shall be
deemed to have accrued for such Dividend Period, no dividend shall be payable on the related Dividend Payment Date, and the Corporation
shall have no obligation to pay any dividend for such Dividend Period, whether or not the Board of Directors declares a dividend
for any future Dividend Period with respect to the Series E Preferred Stock or at any future time with respect to any other class
or series of the Corporation&rsquo;s capital stock.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Priority
Regarding Dividends</U>. So long as any share of Series E Preferred Stock remains outstanding, unless (A) the full dividends for
the most recently completed Dividend</P>

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


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Period have been declared and paid (or declared and a sum sufficient
for the payment thereof has been set aside) on all outstanding shares of Series E Preferred Stock and (B) the Corporation is not
in default on its obligation to redeem any shares of Series E Preferred Stock that have been called for redemption:</P>

<P STYLE="font: 10pt 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">&nbsp;&nbsp;(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;no dividend shall be declared, paid
or set aside for payment, and no distribution shall be declared, made or set aside for payment, on any Junior Stock, other than
(1) a dividend payable solely in Junior Stock or (2) any dividend in connection with the implementation of a stockholders&rsquo;
rights plan, or the redemption or repurchase of any rights under any such plan;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;&nbsp;(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;no shares of Junior Stock shall be
repurchased, redeemed or otherwise acquired for consideration by the Corporation, directly or indirectly, other than (1) as a result
of a reclassification of Junior Stock for or into other Junior Stock, (2) the exchange or conversion of Junior Stock for or into
other Junior Stock, (3) through the use of the proceeds of a sale of other shares of Junior Stock within the preceding 180 days,
(4) purchases, redemptions or other acquisitions of shares of Junior Stock in connection with any employment contract, benefit
plan or other similar arrangement with or for the benefit of employees, officers, directors or consultants, (5) purchases of shares
of Junior Stock pursuant to a contractually binding requirement to buy Junior Stock existing prior to the most recently completed
Dividend Period, including under a contractually binding stock repurchase plan (including a so-called Rule 10b5-1(c) purchase plan),
(6) the purchase of fractional interests in shares of Junior Stock pursuant to the conversion or exchange provisions of such stock
or the security being converted or exchanged, (7) purchases or other acquisitions by any of the Corporation&rsquo;s broker-dealer
subsidiaries solely for the purpose of market making, stabilization or customer facilitation transactions in Junior Stock in the
ordinary course of business, (8) purchases by any of the Corporation&rsquo;s broker-dealer subsidiaries of the Corporation&rsquo;s
capital stock for resale pursuant to an offering by the Corporation of such capital stock underwritten by such broker-dealer subsidiary,
or (9) the acquisition by the Corporation or any of the Corporation&rsquo;s subsidiaries of record ownership in Junior Stock for
the beneficial ownership of any other persons (other than for the beneficial ownership by the Corporation or any of the Corporation&rsquo;s
subsidiaries), including as trustees or custodians, nor shall any monies be paid to or made available for a sinking fund for the
redemption of any such securities by the Corporation, and</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;&nbsp;(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;no shares of Dividend Parity Stock
shall be repurchased, redeemed or otherwise acquired for consideration by the Corporation, directly or indirectly, other than (1)
pursuant to <I>pro rata</I> offers to purchase all, or a <I>pro rata</I> portion, of the Series E Preferred Stock and such Dividend
Parity Stock, (2) as a result of a reclassification of Dividend Parity Stock for or into other Dividend Parity Stock, (3) the exchange
or conversion of Dividend Parity Stock for or into other Dividend Parity Stock, (4) through the use of the proceeds of a sale of
other shares of Dividend Parity Stock within the preceding 180 days, (5) purchases of shares of Dividend Parity Stock pursuant
to a contractually binding requirement to buy Dividend Parity Stock existing prior to the most recently completed Dividend Period,
including under a contractually binding stock repurchase plan (including a so-called Rule 10b5-1(c) purchase plan), (6) the purchase
of fractional interests in shares of Dividend Parity Stock pursuant to the conversion or</P>

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


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">exchange provisions of such stock or the security being converted
or exchanged, (7) purchases or other acquisitions by any of the Corporation&rsquo;s broker-dealer subsidiaries solely for the purpose
of market making, stabilization or customer facilitation transactions in Dividend Parity Stock in the ordinary course of business,
(8) purchases by any of the Corporation&rsquo;s broker-dealer subsidiaries of the Corporation&rsquo;s capital stock for resale
pursuant to an offering by the Corporation of such capital stock underwritten by such broker-dealer subsidiary, or (9) the acquisition
by the Corporation or any of the Corporation&rsquo;s subsidiaries of record ownership in Dividend Parity Stock for the beneficial
ownership of any other persons (other than for the beneficial ownership by the Corporation or any of the Corporation&rsquo;s subsidiaries),
including as trustees or custodians, nor shall any monies be paid to or made available for a sinking fund for the redemption of
any such securities by the Corporation.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">When dividends are not paid in full upon
the shares of Series E Preferred Stock and any Dividend Parity Stock, all dividends paid or declared for payment on a dividend
payment date with respect to the Series E Preferred Stock and the Dividend Parity Stock shall be shared (i) first ratably by the
holders of any Dividend Parity Stock who have the right to receive dividends with respect to past dividend periods for which such
dividends were not declared and paid, in proportion to the respective amounts of the undeclared and unpaid dividends relating to
past dividend periods, and thereafter (ii) ratably by the holders of Series E Preferred Stock and any Dividend Parity Stock, in
proportion to the respective amounts of the declared and unpaid dividends relating to the current dividend period. To the extent
a dividend period with respect to any Dividend Parity Stock coincides with more than one Dividend Period with respect to the Series
E Preferred Stock, for purposes of the immediately preceding sentence the Board of Directors shall treat such dividend period as
two or more consecutive dividend periods, none of which coincides with more than one Dividend Period with respect to the Series
E Preferred Stock or in any manner that it deems to be fair and equitable. The term &ldquo;<U>dividend period</U>&rdquo; as used
in this paragraph means such dividend periods as are provided for in the terms of any Dividend Parity Stock and, in the case of
shares of Series E Preferred Stock, Dividend Periods applicable to shares of Series E Preferred Stock; and the term &ldquo;<U>dividend
payment dates</U>&rdquo; as used in this paragraph means such dividend payment dates as are provided for in the terms of any Dividend
Parity Stock and, in the case of shares of Series E Preferred Stock, Dividend Payment Dates applicable to shares of Series E Preferred
Stock.</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"><FONT STYLE="color: #010000">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Dividends
Generally</U>. Subject to Section 3(c), and not otherwise, dividends (payable in cash, securities or otherwise) as may be determined
by the Board of Directors may be declared and paid on any class or series of Junior Stock or Dividend Parity Stock from time to
time out of any assets legally available therefor, and the holders of Series E Preferred Stock shall not be entitled to participate
in any such dividend. Holders of Series E Preferred Stock shall not be entitled to receive any dividends not declared by the Board
of Directors and no interest, or sum of money in lieu of interest, shall be payable in respect of any dividend not so declared.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Limitations
Under Applicable Law</U>. Dividends on the Series E Preferred Stock shall not be declared, paid or set aside for payment, if the
Corporation fails to comply, or if and to the extent such act would cause the Corporation to fail to comply, with applicable laws
and regulations, including any capital adequacy guidelines or regulations of the Board of Governors</P>

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


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">of the Federal Reserve System (or, as and if applicable, the
capital adequacy guidelines or regulations of any successor Appropriate Federal Banking Agency).</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 4. </FONT><U>Liquidation</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Voluntary
or Involuntary Liquidation</U>. In the event of any voluntary or involuntary liquidation, dissolution or winding-up of the Corporation,
holders of Series E Preferred Stock shall be entitled to receive out of assets of the Corporation or proceeds thereof available
for distribution to stockholders of the Corporation, after satisfaction of liabilities or obligations to creditors and subject
to the rights of holders of any securities ranking senior to Series E Preferred Stock with respect to distributions upon the voluntary
or involuntary liquidation, dissolution or winding-up of the Corporation, before any distribution of assets is made to holders
of any Liquidation Junior Stock, a liquidating distribution in an amount equal to (i) the Series E Liquidation Amount plus (ii)
the per share amount of any declared and unpaid dividends on the Series E Preferred Stock prior to the date of payment of such
liquidating distribution (but without any amount in respect of dividends that have not been declared prior to such payment date).
After payment of the full amount of such liquidating distribution, the holders of Series E Preferred Stock shall not be entitled
to any further participation in any distribution of assets of the Corporation.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Partial
Payment</U>. In any distribution described in Section 4(a), if the assets of the Corporation or proceeds thereof are not sufficient
to pay in full the Liquidation Preference to all holders of Series E Preferred Stock and all Liquidation Parity Stock, the amounts
paid to the holders of Series E Preferred Stock and to the holders of all Liquidation Parity Stock shall be paid <I>pro rata</I>
in accordance with the respective aggregate Liquidation Preferences of the Series E Preferred Stock and all other series of Liquidation
Parity Stock.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Residual
Distributions</U>. If the Liquidation Preference has been paid in full to all holders of Series E Preferred Stock and the Liquidation
Preference has been paid in full on all Liquidation Parity Stock, the holders of any Liquidation Junior Stock shall be entitled
to receive all remaining assets of the Corporation or proceeds thereof according to their respective rights and preferences.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Merger,
Consolidation or Other Business Combination</U>. For purposes of this Section 4, the merger, consolidation or other business combination
of the Corporation with or into any other entity, or by another entity with or into the Corporation, including a merger, consolidation
or other business combination in which the holders of Series E Preferred Stock receive cash, securities or property for their shares,
or the sale, lease, exchange or transfer of all or substantially all of the property or assets of the Corporation (for cash, securities
or other property), shall not constitute a liquidation, dissolution or winding-up of the Corporation.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 5. </FONT><U>Redemption</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Mandatory
Redemption; Sinking Fund</U>. The Series E Preferred Stock is perpetual and has no maturity date. The Series E Preferred Stock
is not subject to any mandatory</P>

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


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">redemption, sinking fund or other similar provisions. The holders
of the Series E Preferred Stock shall not have the right to require the redemption or repurchase of the Series E Preferred Stock.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Optional
Redemption</U>. The Corporation may, at its option through a resolution duly adopted by the Board of Directors, redeem the Series
E Preferred Stock at a price per share equal to the Redemption Price (1) in whole or in part, from time to time, on any Dividend
Payment Date on or after October 10, 2025, or (2) in whole, but not in part, at any time within 90 days following the occurrence
of a Regulatory Capital Treatment Event. The Redemption Price shall be payable to the holder of any shares of Series E Preferred
Stock redeemed on the date fixed for such redemption (the &ldquo;<U>Redemption Date</U>&rdquo;) against the surrender of the certificate(s)
evidencing such shares to the Corporation or its agent, if the shares of Series E Preferred Stock are issued in certificated form;
<I>provided</I> that any declared but unpaid dividends payable on a Redemption Date that occurs subsequent to the Dividend Record
Date for a Dividend Period shall not be paid to the holder of Series E Preferred Stock entitled to receive the Redemption Price
on the Redemption Date, but rather shall be paid to the holder of record of the redeemed shares on such Dividend Record Date relating
to the Dividend Payment Date as provided in Section 3 above.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Notice
of Redemption</U>. If any shares of Series E Preferred Stock are to be redeemed, a notice of redemption shall be given by first
class mail to the holders of record of Series E Preferred Stock to be redeemed at their respective last addresses appearing on
the books of the Corporation (provided that, if Series E Preferred Stock is held in book-entry form through DTC, the Corporation
may give such notice in any manner permitted by DTC). Such notice shall be mailed at least 30 days and no more than 60 days before
the applicable Redemption Date for such shares. Each such notice of redemption shall include a statement setting forth: (1) the
Redemption Date for such shares of Series E Preferred Stock; (2) the number of shares of Series E Preferred Stock to be redeemed
and, if less than all the shares held by such holder are to be redeemed, the number of such shares to be redeemed from such holder;
(3) the Redemption Price; and (4) the place or places where the certificates evidencing shares of Series E Preferred Stock are
to be surrendered for payment of the Redemption Price. Any notice of redemption mailed or otherwise delivered as provided in this
Section 5(c) shall be conclusively presumed to have been duly given, whether or not any holder of Series E Preferred Stock receives
such notice. Failure to duly give notice by mail or otherwise pursuant to this Section 5(c), or any defect in such notice or in
the mailing or provision of such notice, to any holder of shares of Series E Preferred Stock designated for redemption shall not
affect the validity of the proceedings for the redemption of any other shares of Series E Preferred Stock.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Partial
Redemption</U>. In case of any redemption of only part of the shares of Series E Preferred Stock at the time outstanding, the shares
of Series E Preferred Stock to be redeemed shall be selected either <I>pro rata</I>, by lot or in such other manner as the Corporation,
through a resolution duly adopted by the Board of Directors, may determine to be fair and equitable.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Effectiveness
of Redemption</U>. If notice of redemption has been duly given and if on or before the Redemption Date specified in such notice
all funds necessary for the redemption have been set aside by the Corporation, separate and apart from its other assets, in trust
for the</P>

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


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"><I>pro rata</I> benefit of the holders of the shares of Series
E Preferred Stock called for redemption, so as to be and continue to be available therefor, or deposited by the Corporation with
a bank or trust company selected by the Corporation (the &ldquo;<U>Redemption Depository</U>&rdquo;) in trust for the <I>pro rata</I>
benefit of the holders of the shares called for redemption, then, notwithstanding that any certificate for any share so called
for redemption has not been surrendered for cancellation, on and after the Redemption Date all shares of Series E Preferred Stock
called for redemption shall cease to be outstanding, all dividends with respect to such shares of Series E Preferred Stock shall
cease to accrue after such Redemption Date, and all rights with respect to such shares shall forthwith on such Redemption Date
cease and terminate, except only the right of the holders thereof to receive the amount payable on such redemption from the Redemption
Depository at any time after the applicable Redemption Date from the funds so deposited, without interest. The Corporation shall
be entitled to receive, from time to time, from the Redemption Depository any interest accrued on such funds, and the holders of
any shares called for redemption shall have no claim to any such interest. Any funds so deposited and unclaimed at the end of two
years from the applicable Redemption Date shall, to the extent permitted by law, be released or repaid to the Corporation, and
in the event of such repayment to the Corporation, the holders of record of the shares of Series E Preferred Stock called for redemption
shall thereafter, as unsecured general creditors of the Corporation, look only to the Corporation for the payment of an amount
equivalent to the amount deposited as stated above for the redemption of such shares, but shall in no event be entitled to any
interest.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Limitations
Under Applicable Law</U>. If then required under the capital adequacy guidelines or regulations of the Board of Governors of the
Federal Reserve System (or, if and as applicable, the capital adequacy guidelines or regulations of any successor Appropriate Federal
Banking Agency), any redemption of all or part of the Series E Preferred Stock is subject to the receipt by the Corporation of
any required prior approval by the Board of Governors of the Federal Reserve System (or such successor Appropriate Federal Banking
Agency).</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 6. </FONT><U>Voting
Rights</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>General</U>.
Except as provided below or as expressly required by law, the holders of shares of Series E Preferred Stock shall have no voting
power, and no right to vote on any matter at any time, either as a separate series or class or together with any other series or
class of shares of capital stock of the Corporation, and shall not be entitled to call a meeting of the holders of any series or
class of capital stock of the Corporation for any purpose, nor shall they be entitled to participate in any meeting of the holders
of the Common Stock. Each holder of Series E Preferred Stock shall have one vote per share (except as set forth otherwise in this
Section 6) on any matter on which holders of Series E Preferred Stock are entitled to vote, including when acting by written consent.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Supermajority
Voting Rights</U>. So long as any shares of Series E Preferred Stock remain outstanding, in addition to any other vote or consent
of stockholders required by law or the Restated Charter, the affirmative vote or consent of the holders of at least two-thirds
of all of the shares of Series E Preferred Stock at the time outstanding and entitled to vote thereon, voting separately as a single
class, shall be required to:</P>

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


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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;&nbsp;(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;amend the provisions of the Restated
Charter or Bylaws so as to materially and adversely affect the special powers, preferences, privileges or rights of Series E Preferred
Stock, taken as a whole; or</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">&nbsp;&nbsp;(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;consummate a binding share-exchange
or reclassification involving the Series E Preferred Stock, or a merger or consolidation of the Corporation with or into another
entity, unless the shares of Series E Preferred Stock (i) remain outstanding or (ii) are converted into or exchanged for preference
securities of the surviving entity or any entity controlling such surviving entity and such new preference securities have terms
that are not materially less favorable than those of the Series E Preferred Stock;</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"><I>provided</I>, <I>however</I>, that, for all purposes of this
Section 6(b), the authorization, creation and issuance, or an increase in the authorized or issued amount of, Junior Stock or any
series of Preferred Stock, or any securities convertible into or exchangeable or exercisable for Junior Stock or any series of
Preferred Stock, that by its terms expressly provides that it ranks <I>pari passu</I> with the Series E Preferred Stock with respect
to the payment of dividends (whether such dividends are cumulative or non-cumulative) and as to distributions upon the liquidation,
dissolution or winding-up of the Corporation shall not be deemed to materially and adversely affect the powers, preferences, privileges
or rights of Series E Preferred Stock, and shall not require the affirmative vote or consent of, the holders of any outstanding
shares of Series E Preferred Stock.</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: 36pt"><FONT STYLE="color: #010000">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Election
of Directors under Certain Circumstances</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;&nbsp;(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If and when dividends on the Series
E Preferred Stock and any other class or series of Voting Parity Stock have not been declared and paid (i) in the case of the Series
E Preferred Stock and any other class or series of Voting Parity Stock bearing non-cumulative dividends, in full for at least six
quarterly dividend periods or their equivalent (whether or not consecutive) or (ii) in the case of any class or series of Voting
Parity Stock bearing cumulative dividends, in an aggregate amount equal to full dividends for at least six quarterly dividend periods
or their equivalent (whether or not consecutive) (each, a &ldquo;<U>Nonpayment Event</U>&rdquo;), the number of directors then
constituting the Board of Directors shall automatically be increased by two and the holders of Series E Preferred Stock, together
with the holders of any outstanding shares of Voting Parity Stock, voting together as a single class, shall be entitled to elect
the two additional directors (the &ldquo;<U>Preferred Stock Directors</U>&rdquo;) at any annual or special meeting of stockholders
at which directors are to be elected or any special meeting of the holders of the Series E Preferred Stock and any Voting Parity
Stock for which dividends have not been paid; <I>provided</I> that it shall be a qualification for election for any such Preferred
Stock Director that the election of such director shall not cause the Corporation to violate the corporate governance requirement
of the New York Stock Exchange (or any other securities exchange or other trading</P>

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


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">facility on which securities of the Corporation may then be
listed or traded) and <I>provided</I>,<I> further</I>, that the Board of Directors shall at no time include more than two Preferred
Stock Directors (including, for purposes of this limitation, all directors that the holders of any series of Voting Parity Stock
are entitled to elect pursuant to like voting rights).</P>

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

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

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

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

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

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


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Preferred Stock Director remains in office, by the vote of the
holders of record of a majority of the outstanding shares of Series E Preferred Stock and such Voting Parity Stock, voting as a
single class. The Preferred Stock Directors shall each be entitled to one vote per director on any matter that shall come before
the Board of Directors for a vote.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Changes
after Provision for Redemption</U>. The voting rights provided in this Section 6 shall not apply if, at or prior to the time when
the act with respect to which such vote or consent would otherwise be required shall be effected, all outstanding shares of Series
E Preferred Stock have been redeemed or called for redemption upon proper notice and sufficient funds have been set aside in accordance
with Section 5(e).</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Changes
for Clarification</U>. Without the consent of the holders of Series E Preferred Stock, so long as such action does not materially
and adversely affect the rights, preferences, privileges and voting powers, and limitations and restrictions thereof, of the Series
E Preferred Stock, the Corporation may amend, alter, supplement or repeal any terms of the Series E Preferred Stock:</P>

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

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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Procedures
for Voting and Consents</U>. The rules and procedures for calling and conducting any meeting of the holders of Series E Preferred
Stock (including, without limitation, the fixing of a record date in connection therewith), the solicitation and use of proxies
at such a meeting, the obtaining of written consents and any other aspect or matter with regard to such a meeting or such consents
shall be governed by any rules the Board of Directors, in its discretion, may adopt from time to time, which rules and procedures
shall conform to the requirements of the Restated Charter, the Bylaws, applicable law and any national securities exchange or other
trading facility on which the Series E Preferred Stock is listed or traded at the time. Whether the vote or consent of the holders
of a majority or other portion of the shares of Series E Preferred Stock and any Voting Parity Stock has been cast or given on
any matter on which the holders of shares of Series E Preferred Stock are entitled to vote shall be determined by the Corporation
by reference to the respective liquidation preference amounts of the shares of Series E Preferred Stock and Voting Parity Stock
voted or covered by the consent.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 7. </FONT><U>Conversion
Rights</U>. The holders of shares of Series E Preferred Stock shall not have any rights to convert such shares into shares of
any other class or series of securities of the Corporation.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 8. </FONT><U>Preemptive
Rights</U>. The holders of shares of Series E Preferred Stock shall have no preemptive rights with respect to any shares of
the Corporation&rsquo;s capital stock or any of its other securities convertible into or carrying rights or options to
purchase any such capital stock.</P>

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


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 9. </FONT><U>Record
Holders</U>. To the fullest extent permitted by applicable law, the Corporation and the transfer agent for the Series E
Preferred Stock may deem and treat the record holder of any share of Series E Preferred Stock as the true and lawful owner
thereof for all purposes, and neither the Corporation nor such transfer agent shall be affected by any notice to the
contrary.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section
10. </FONT> <U>Notices</U>. All notices or communications in respect of the Series E Preferred Stock shall be sufficiently
given if given in writing and delivered in person or by first class mail or if giving in such other manner as may be
permitted herein, in the Restated Charter or Bylaws or by applicable law. Delivery of a notice or communication to the
Company will be effective upon receipt. Delivery of a notice or communication to holders of shares of Series E Preferred
Stock will be effective upon, in the case of personal delivery, receipt or, in the case of mailing, deposit in the mail,
postage prepaid. Notwithstanding the foregoing, if shares of Series E Preferred Stock or depositary shares representing an
interest in shares of Series E Preferred Stock are issued in book-entry form through DTC, such notices may be given to the
holders of the Series E Preferred Stock in any manner permitted by DTC.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section
11. </FONT> <U>Stock Certificates</U>. The Corporation may at its option issue shares of Series E Preferred Stock without
certificates.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section
12. </FONT> <U>Other Rights</U>. The Series E Preferred Stock shall not have any powers, preferences, privileges or rights
other than as set forth herein or in the Restated Charter or as provided by applicable law.</P>


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

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

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

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

<!-- Field: Rule-Page --><DIV ALIGN="LEFT" STYLE="margin-top: 1pt; margin-bottom: 1pt"><DIV STYLE="font-size: 1pt; border-top: Black 2px solid; border-bottom: Black 1px solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

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

<P STYLE="font: 16pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">DEPOSIT AGREEMENT</P>

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

<P STYLE="font: 16pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">among</P>

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

<P STYLE="font: 16pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">FIRST HORIZON NATIONAL CORPORATION,</P>

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

<P STYLE="font: 16pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">EQUINITI TRUST COMPANY,</P>

<P STYLE="font: 16pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">as Depositary</P>

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

<P STYLE="font: 16pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and</P>

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

<P STYLE="font: 16pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">THE HOLDERS FROM TIME TO TIME OF</P>

<P STYLE="font: 16pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">THE DEPOSITARY RECEIPTS DESCRIBED HEREIN</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Dated as of May 28, 2020</P>

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

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<P STYLE="font: bold 14pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">TABLE OF CONTENTS</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 10%; text-align: left; font-variant: small-caps">&nbsp;</TD>
    <TD STYLE="width: 82%; text-align: left; font-variant: small-caps">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: center; border-bottom: Black 1px solid; vertical-align: bottom">Page</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; font-variant: small-caps">&nbsp;</TD>
    <TD STYLE="text-align: left; font-variant: small-caps">&nbsp;</TD>
    <TD STYLE="text-align: center; font-variant: small-caps; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-align: center; font-variant: small-caps"><FONT STYLE="font-size: 12pt">ARTICLE I</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; font-variant: small-caps">&nbsp;</TD>
    <TD STYLE="text-align: center; font-variant: small-caps">&nbsp;</TD>
    <TD STYLE="text-align: right; font-variant: small-caps; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-align: center; font-variant: small-caps"><FONT STYLE="font-size: 12pt">Defined terms</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; font-variant: small-caps">&nbsp;</TD>
    <TD STYLE="text-align: center; font-variant: small-caps">&nbsp;</TD>
    <TD STYLE="text-align: right; font-variant: small-caps; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section 1.1.</FONT></TD>
    <TD STYLE="text-indent: 0in">Definitions</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">1</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-align: center; font-variant: small-caps"><FONT STYLE="font-size: 12pt">ARTICLE II</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; font-variant: small-caps">&nbsp;</TD>
    <TD STYLE="text-align: center; font-variant: small-caps">&nbsp;</TD>
    <TD STYLE="text-align: right; font-variant: small-caps; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-align: center; font-variant: small-caps"><FONT STYLE="font-size: 12pt">Form of Receipts, Deposit
    of Stock,</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-align: center; font-variant: small-caps"><FONT STYLE="font-size: 12pt">Execution and Delivery,
    Transfer,</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-align: center; font-variant: small-caps"><FONT STYLE="font-size: 12pt">Surrender and Redemption
    of Receipts</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; font-variant: small-caps">&nbsp;</TD>
    <TD STYLE="text-align: center; font-variant: small-caps">&nbsp;</TD>
    <TD STYLE="text-align: right; font-variant: small-caps; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section 2.1.</FONT></TD>
    <TD STYLE="text-indent: 0in">Form and Transfer of Receipts</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">3</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section 2.2.</FONT></TD>
    <TD STYLE="text-indent: 0in">Deposit of Stock; Execution and Delivery of Receipts in Respect Thereof</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">4</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section 2.3.</FONT></TD>
    <TD STYLE="text-indent: 0in">Registration of Transfer of Receipts</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">5</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section 2.4.</FONT></TD>
    <TD STYLE="text-indent: 0in">Split-ups and Combinations of Receipts; Surrender of Receipts and Withdrawal of Stock</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">5</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section 2.5.</FONT></TD>
    <TD STYLE="text-indent: 0in">Limitations on Execution and Delivery, Transfer, Surrender and Exchange of Receipts</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">6</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section 2.6.</FONT></TD>
    <TD STYLE="text-indent: 0in">Lost Receipts, etc.</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">6</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section 2.7.</FONT></TD>
    <TD STYLE="text-indent: 0in">Cancellation and Destruction of Surrendered Receipts</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">7</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section 2.8.</FONT></TD>
    <TD STYLE="text-indent: 0in">Redemption of Stock</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">7</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section 2.9.</FONT></TD>
    <TD STYLE="text-indent: 0in">Receipts Issuable in Global Registered Form</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">8</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-align: center; font-variant: small-caps"><FONT STYLE="font-size: 12pt">ARTICLE III</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; font-variant: small-caps">&nbsp;</TD>
    <TD STYLE="text-align: center; font-variant: small-caps">&nbsp;</TD>
    <TD STYLE="text-align: right; font-variant: small-caps; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-align: center; font-variant: small-caps"><FONT STYLE="font-size: 12pt">Certain Obligations of</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-align: center; font-variant: small-caps"><FONT STYLE="font-size: 12pt">Holders of Receipts and
    the Company</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; font-variant: small-caps">&nbsp;</TD>
    <TD STYLE="text-align: center; font-variant: small-caps">&nbsp;</TD>
    <TD STYLE="text-align: right; font-variant: small-caps; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section 3.1.</FONT></TD>
    <TD STYLE="text-indent: 0in">Filing Proofs, Certificates and Other Information</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">9</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section 3.2.</FONT></TD>
    <TD STYLE="text-indent: 0in">Payment of Taxes or Other Governmental Charges</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">9</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section 3.3.</FONT></TD>
    <TD STYLE="text-indent: 0in">Warranty as to Stock</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">10</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section 3.4.</FONT></TD>
    <TD STYLE="text-indent: 0in">Warranty as to Receipts</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">10</TD></TR>
</TABLE>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-align: center; font-variant: small-caps"><FONT STYLE="font-size: 12pt">ARTICLE IV</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; font-variant: small-caps; width: 10%">&nbsp;</TD>
    <TD STYLE="text-align: center; font-variant: small-caps; width: 82%">&nbsp;</TD>
    <TD STYLE="text-align: right; font-variant: small-caps; vertical-align: bottom; width: 8%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-align: center; font-variant: small-caps"><FONT STYLE="font-size: 12pt">The Deposited Securities;
    Notices</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; font-variant: small-caps">&nbsp;</TD>
    <TD STYLE="text-align: center; font-variant: small-caps">&nbsp;</TD>
    <TD STYLE="text-align: right; font-variant: small-caps; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section 4.1.</FONT></TD>
    <TD STYLE="text-indent: 0in">Cash Distributions</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">10</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section 4.2.</FONT></TD>
    <TD STYLE="text-indent: 0in">Distributions Other than Cash, Rights, Preferences or Privileges</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">10</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section 4.3.</FONT></TD>
    <TD STYLE="text-indent: 0in">Subscription Rights, Preferences or Privileges</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">11</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section 4.4.</FONT></TD>
    <TD STYLE="text-indent: 0in">Notice of Dividends, etc.; Fixing Record Date for Holders of Receipts</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">12</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section 4.5.</FONT></TD>
    <TD STYLE="text-indent: 0in">Voting Rights</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">12</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section 4.6.</FONT></TD>
    <TD STYLE="text-indent: 0in">Changes Affecting Deposited Securities and Reclassifications, Recapitalizations, etc.</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">13</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section 4.7.</FONT></TD>
    <TD STYLE="text-indent: 0in">Delivery of Reports</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">13</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section 4.8.</FONT></TD>
    <TD STYLE="text-indent: 0in">Lists of Receipt Holders</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">13</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-align: center; font-variant: small-caps"><FONT STYLE="font-size: 12pt">ARTICLE V</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; font-variant: small-caps">&nbsp;</TD>
    <TD STYLE="text-align: center; font-variant: small-caps">&nbsp;</TD>
    <TD STYLE="text-align: right; font-variant: small-caps; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-align: center; font-variant: small-caps"><FONT STYLE="font-size: 12pt">The Depositary, the Depositary&rsquo;s</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-align: center; font-variant: small-caps"><FONT STYLE="font-size: 12pt">Agents, the Registrar and
    the Company</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; font-variant: small-caps">&nbsp;</TD>
    <TD STYLE="text-align: center; font-variant: small-caps">&nbsp;</TD>
    <TD STYLE="text-align: right; font-variant: small-caps; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section 5.1.</FONT></TD>
    <TD STYLE="text-indent: 0in">Maintenance of Offices, Agencies and Transfer Books by the Depositary; Registrar</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">14</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section 5.2.</FONT></TD>
    <TD STYLE="text-indent: 0in">Prevention of or Delay in Performance by the Depositary, the Depositary&rsquo;s Agents, the Registrar or the Company</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">14</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section 5.3.</FONT></TD>
    <TD STYLE="text-indent: 0in">Obligations of the Depositary, the Depositary&rsquo;s Agents, the Registrar and the Company</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">15</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section 5.4.</FONT></TD>
    <TD STYLE="text-indent: 0in">Resignation and Removal of the Depositary; Appointment of Successor Depositary</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">16</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section 5.5.</FONT></TD>
    <TD STYLE="text-indent: 0in">Corporate Notices and Reports</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">17</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section 5.6.</FONT></TD>
    <TD STYLE="text-indent: 0in">Indemnification by the Company</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">17</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section 5.7.</FONT></TD>
    <TD STYLE="text-indent: 0in">Fees, Charges and Expenses</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">17</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-align: center; font-variant: small-caps"><FONT STYLE="font-size: 12pt">ARTICLE VI</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; font-variant: small-caps">&nbsp;</TD>
    <TD STYLE="text-align: center; font-variant: small-caps">&nbsp;</TD>
    <TD STYLE="text-align: right; font-variant: small-caps; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-align: center; font-variant: small-caps"><FONT STYLE="font-size: 12pt">Amendment and Termination</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; font-variant: small-caps">&nbsp;</TD>
    <TD STYLE="text-align: center; font-variant: small-caps">&nbsp;</TD>
    <TD STYLE="text-align: right; font-variant: small-caps; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section 6.1.</FONT></TD>
    <TD STYLE="text-indent: 0in">Amendment</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">18</TD></TR>
</TABLE>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; width: 10%"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section 6.2.</FONT></TD>
    <TD STYLE="text-indent: 0in; width: 82%">Termination</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom; width: 8%">18</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-align: center; font-variant: small-caps"><FONT STYLE="font-size: 12pt">ARTICLE VII</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; font-variant: small-caps">&nbsp;</TD>
    <TD STYLE="text-align: center; font-variant: small-caps">&nbsp;</TD>
    <TD STYLE="text-align: right; font-variant: small-caps; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-align: center; font-variant: small-caps"><FONT STYLE="font-size: 12pt">Miscellaneous</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; font-variant: small-caps">&nbsp;</TD>
    <TD STYLE="text-align: center; font-variant: small-caps">&nbsp;</TD>
    <TD STYLE="text-align: right; font-variant: small-caps; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section 7.1.</FONT></TD>
    <TD STYLE="text-indent: 0in">Counterparts</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">19</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section 7.2.</FONT></TD>
    <TD STYLE="text-indent: 0in">Exclusive Benefit of Parties</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">19</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section 7.3.</FONT></TD>
    <TD STYLE="text-indent: 0in">Invalidity of Provisions</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">19</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section 7.4.</FONT></TD>
    <TD STYLE="text-indent: 0in">Notices</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">20</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section 7.5.</FONT></TD>
    <TD STYLE="text-indent: 0in">Depositary&rsquo;s Agents</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">21</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section 7.6.</FONT></TD>
    <TD STYLE="text-indent: 0in">Appointment of Registrar and Transfer Agent in Respect of the Receipts</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">21</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section 7.7.</FONT></TD>
    <TD STYLE="text-indent: 0in">Appointment of Transfer Agent, Registrar, Dividend Disbursing Agent and Redemption Agent in Respect of the Stock</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">21</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section 7.8.</FONT></TD>
    <TD STYLE="text-indent: 0in">Holders of Receipts Are Parties</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">21</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section 7.9.</FONT></TD>
    <TD STYLE="text-indent: 0in">Governing Law</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">21</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section 7.10.</FONT></TD>
    <TD STYLE="text-indent: 0in">Inspection of Deposit Agreement</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">21</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Section 7.11.</FONT></TD>
    <TD STYLE="text-indent: 0in">Headings</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">22</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">Exhibit A</TD>
    <TD STYLE="text-indent: 0in">Form of Receipt</TD>
    <TD STYLE="text-align: right; text-indent: 0in; vertical-align: bottom">A-1</TD></TR>
</TABLE>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">DEPOSIT AGREEMENT dated
as of May 28, 2020, among (i)&nbsp;FIRST HORIZON NATIONAL CORPORATION, a Tennessee corporation, (ii)&nbsp;EQUINITI TRUST COMPANY,
as depositary<B>, </B>and (iii)&nbsp;the holders from time to time of the Receipts described herein.</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">WHEREAS, it is desired
to provide, as hereinafter set forth in this Deposit Agreement, for the deposit of shares of Non-Cumulative Perpetual Preferred
Stock, Series E, of the Company with the Depositary for the purposes set forth in this Deposit Agreement and for the issuance hereunder
of Receipts evidencing Depositary Shares in respect of the Stock so deposited; and</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">WHEREAS, the Receipts
are to be substantially in the form of Exhibit&nbsp;A annexed hereto, with appropriate insertions, modifications and omissions,
as hereinafter provided in this Deposit Agreement;</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">NOW, THEREFORE, in
consideration of the premises, the parties hereto agree as follows:</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: small-caps 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">ARTICLE I</P>

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

<P STYLE="font: small-caps 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">Defined terms</P>

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

<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal">Section
1.1. </FONT>Definitions.</P>

<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The following definitions
shall for all purposes, unless otherwise indicated, apply to the respective terms used in this Deposit Agreement:</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">&ldquo;<I>Articles
of Amendment</I>&rdquo; shall mean the Articles of Amendment of the Company&rsquo;s Restated Charter filed with the Secretary of
State of the State of Tennessee establishing the Stock as a series of preferred stock of the Company, as such Articles of Amendment
may be amended or supplemented from time to time.</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">&ldquo;<I>Company</I>&rdquo;
shall mean First Horizon National Corporation, a Tennessee corporation, and its successors.</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">&ldquo;<I>Deposit Agreement</I>&rdquo;
shall mean this Deposit Agreement, as amended or supplemented from time to time in accordance with the terms hereof.</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">&ldquo;<I>Depositary</I>&rdquo;
shall mean Equiniti Trust Company, and any successor as Depositary hereunder.</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">&ldquo;<I>Depositary
Shares</I>&rdquo; shall mean the depositary shares, each representing one-four thousandth (1/4,000<SUP>th</SUP>) of one share of
Stock and evidenced by a Receipt.</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">&ldquo;<I>Depositary&rsquo;s
Agent</I>&rdquo; shall mean an agent appointed by the Depositary pursuant to Section&nbsp;7.5.</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">&ldquo;<I>Depositary&rsquo;s
Office</I>&rdquo; shall mean the principal office of the Depositary, at which at any particular time its depositary receipt business
shall be administered, which at the date of this</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Deposit Agreement is located at 1110 Centre
Pointe Curve, Suite 101 Mendota Heights, MN 55120.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&ldquo;DTC&rdquo;
</I>shall mean The Depository Trust Company, together with its successors and assigns.</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">&ldquo;<I>Exchange
Act&rdquo;</I> shall mean the Securities Exchange Act of 1934, as amended from time to time.</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">&ldquo;<I>Exchange
Event</I>&rdquo; shall mean with respect to any Global Registered Receipt,</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 0pt 0.5in; text-align: justify; text-indent: 0.5in">(1) (A)
the Global Receipt Depository which is the holder of such Global Registered Receipt notifies the Company that it is no longer willing
or able to properly discharge its responsibilities under any Letter of Representations or that it is no longer eligible or in good
standing under Exchange Act and (B) the Company has not appointed a qualified successor Global Receipt Depository within ninety
(90) calendar days after the Company received such notice, or</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(2) the
Company in its sole discretion notifies the Depositary in writing that the Receipts or portion thereof issued or issuable in the
form of one or more Global Registered Receipts shall no longer be represented by such Global Registered Receipt.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; 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">&ldquo;<I>Global Receipt
Depository</I>&rdquo; shall mean, with respect to any Receipt issued hereunder, DTC or such other entity designated as Global Receipt
Depository by the Company in or pursuant to this Deposit Agreement, which entity must be, to the extent required by any applicable
law or regulation, a clearing agency registered under the Exchange Act.</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">&ldquo;<I>Global Registered
Receipt</I>&rdquo; shall mean a global registered Receipt registered in the name of a nominee of DTC.</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">&ldquo;<I>Letter of
Representations</I>&rdquo; shall mean any applicable agreement among the Company, the Depositary and a Global Receipt Depository
with respect to such Global Receipt Depository&rsquo;s rights and obligations with respect to any Global Registered Receipts, as
the same may be amended, supplemented, restated or otherwise modified from time to time and any successor agreement thereto.</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">&ldquo;<I>Receipt</I>&rdquo;
shall mean one of the depositary receipts, substantially in the form set forth as Exhibit&nbsp;A hereto, issued hereunder, whether
in definitive or temporary form and evidencing the number of Depositary Shares held of record by the record holder of such Depositary
Shares.</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">&ldquo;<I>record holder</I>&rdquo;
or &ldquo;<I>holder</I>&rdquo; as applied to a Receipt shall mean the person in whose name such Receipt is registered on the books
of the Depositary maintained for such purpose.</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"><I>&ldquo;Redemption
Date&rdquo; </I>shall have the meaning set forth in Section 2.8.</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">&ldquo;<I>Redemption
Price</I>&rdquo; shall have the meaning set forth in the Articles of Amendment.</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">&ldquo;<I>Registrar</I>&rdquo;
shall mean the Depositary or such other bank or trust company which shall be appointed by the Company to register ownership and
transfers of Receipts as herein provided</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">and if a Registrar shall be so appointed,
references herein to &ldquo;the books&rdquo; of or maintained by the Depositary shall be deemed, as applicable, to refer as well
to the register maintained by such Registrar for such purpose.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<I>Securities
Act</I>&rdquo; shall mean the Securities Act of 1933, as amended from time to time.</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">&ldquo;<I>Stock</I>&rdquo;
shall mean shares of the Company&rsquo;s Non-Cumulative Perpetual Preferred Stock, Series&nbsp;E, no par value, $100,000 liquidation
preference per share.</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: small-caps 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">ARTICLE II</P>

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

<P STYLE="font: small-caps 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">Form of Receipts, Deposit of Stock,<BR>
Execution and Delivery, Transfer,<BR>
Surrender and Redemption of Receipts</P>

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

<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal">Section
2.1. </FONT>Form and Transfer of Receipts.</P>

<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Definitive Receipts
shall be substantially in the form set forth in Exhibit&nbsp;A attached hereto, with appropriate insertions, modifications and
omissions, as hereinafter provided. Pending the preparation of definitive Receipts, the Depositary, upon the written order of the
Company, delivered in compliance with Section&nbsp;2.2, shall execute and deliver temporary Receipts which are printed, lithographed,
typewritten, mimeographed or otherwise substantially of the tenor of the definitive Receipts in lieu of which they are issued and
with such appropriate insertions, omissions, substitutions and other variations as the persons executing such Receipts may determine,
as evidenced by their execution of such Receipts. If temporary Receipts are issued, the Company and the Depositary will cause definitive
Receipts to be prepared without unreasonable delay. After the preparation of definitive Receipts, the temporary Receipts shall
be exchangeable for definitive Receipts upon surrender of the temporary Receipts at an office described in the second paragraph
of Section&nbsp;2.2, without charge to the holder. Upon surrender for cancellation of any one or more temporary Receipts, the Depositary
shall execute and deliver in exchange therefor definitive Receipts representing the same number of Depositary Shares as represented
by the surrendered temporary Receipt or Receipts. Such exchange shall be made at the Company&rsquo;s expense and without any charge
therefor. Until so exchanged, the temporary Receipts shall in all respects be entitled to the same benefits under this Deposit
Agreement, and with respect to the Stock, as definitive Receipts.</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">Receipts shall be executed
by the Depositary by the manual or electronic signature of a duly authorized officer of the Depositary; provided, that such signature
may be a facsimile if a Registrar for the Receipts (other than the Depositary) shall have been appointed and such Receipts are
countersigned by a duly authorized officer of the Registrar. No Receipt shall be entitled to any benefits under this Deposit Agreement
or be valid or obligatory for any purpose unless it shall have been executed manually or electronically by a duly authorized officer
of the Depositary or, if a Registrar for the Receipts (other than the Depositary) shall have been appointed, by manual or electronic
signature of a duly authorized officer of the Depositary and countersigned by a duly authorized officer of such Registrar. The
Depositary shall record on its books each Receipt so signed and delivered as hereinafter provided.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Receipts shall be in
denominations of any number of whole Depositary Shares.</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">Receipts may be endorsed
with or have incorporated in the text thereof such legends or recitals or changes not inconsistent with the provisions of this
Deposit Agreement, all as may be required by the Depositary and approved by the Company or required to comply with any applicable
law or any regulation thereunder or with the rules and regulations of any securities exchange upon which the Stock, the Depositary
Shares or the Receipts may be listed or to conform with any usage with respect thereto, or to indicate any special limitations
or restrictions to which any particular Receipt is subject.</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">Title to Depositary
Shares evidenced by a Receipt which is properly endorsed or accompanied by a properly executed instrument of transfer, shall be
transferable by delivery with the same effect as in the case of a negotiable instrument; provided, however, that until transfer
of a Receipt shall be registered on the books of the Depositary as provided in Section&nbsp;2.3, the Depositary may, notwithstanding
any notice to the contrary, treat the record holder thereof at such time as the absolute owner thereof for the purpose of determining
the person entitled to distributions of dividends or other distributions or to any notice provided for in this Deposit Agreement
and for all other purposes.</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: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal">Section
2.2. </FONT>Deposit of Stock; Execution and Delivery of Receipts in Respect Thereof.</P>

<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Subject to the terms
and conditions of this Deposit Agreement, the Company may from time to time deposit shares of the Stock under this Deposit Agreement
by delivery to the Depositary of a certificate or certificates for the Stock to be deposited, properly endorsed or accompanied,
if required by the Depositary, by a duly executed instrument of transfer or endorsement, in form satisfactory to the Depositary,
together with a written order of the Company directing the Depositary to execute and deliver to, or upon the written order of,
the person or persons stated in such order a Receipt or Receipts evidencing in the aggregate the number of Depositary Shares representing
such deposited Stock.</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">Deposited Stock shall
be held by the Depositary at the Depositary&rsquo;s Office or at such other place or places as the Depositary shall determine.
The Depositary shall not lend, transfer, pledge or otherwise hypothecate any Stock deposited hereunder.</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">Upon receipt by the
Depositary of a certificate or certificates for Stock deposited in accordance with the provisions of this Section, together with
the other documents required as above specified, and upon recordation of the Stock on the books of the Company (or its duly appointed
transfer agent) in the name of the Depositary or its nominee, the Depositary, subject to the terms and conditions of this Deposit
Agreement, shall execute and deliver to or upon the order of the person or persons named in the written order delivered to the
Depositary referred to in the first paragraph of this Section, a Receipt or Receipts evidencing in the aggregate the number of
Depositary Shares representing the Stock so deposited and registered in such name or names as may be requested by such person or
persons. The Depositary shall execute and deliver such Receipt or Receipts at the Depositary&rsquo;s Office or such other offices,
if any, as the Depositary may designate. Delivery at other offices shall be at the risk and expense of the person requesting such
delivery.</P>

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<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal">Section
2.3. </FONT>Registration of Transfer of Receipts.</P>

<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Subject to the terms
and conditions of this Deposit Agreement, the Depositary shall register on its books from time to time transfers of Receipts upon
any surrender thereof by the holder in person or by duly authorized attorney, properly endorsed or accompanied by a properly executed
instrument of transfer. Thereupon, the Depositary shall execute a new Receipt or Receipts evidencing the same aggregate number
of Depositary Shares as those evidenced by the Receipt or Receipts surrendered and deliver such new Receipt or Receipts to or upon
the order of the person entitled thereto.</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">The Depositary shall
not be required (a)&nbsp;to issue, transfer or exchange any Receipts for a period beginning at the opening of business fifteen
days next preceding any selection of Depositary Shares and Stock to be redeemed and ending at the close of business on the day
of the mailing of notice of redemption, or (b)&nbsp;to transfer or exchange for another Receipt any Receipt called or being called
for redemption in whole or in part except as provided in Section&nbsp;2.8.</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: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal">Section
2.4. </FONT>Split-ups and Combinations of Receipts; Surrender of Receipts and Withdrawal of Stock.</P>

<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Upon surrender of a
Receipt or Receipts at the Depositary&rsquo;s Office or at such other offices as it may designate for the purpose of effecting
a split-up or combination of such Receipt or Receipts, and subject to the terms and conditions of this Deposit Agreement, the Depositary
shall execute a new Receipt or Receipts in the authorized denomination or denominations requested, evidencing the aggregate number
of Depositary Shares evidenced by the Receipt or Receipts surrendered, and shall deliver such new Receipt or Receipts to or upon
the order of the holder of the Receipt or Receipts so surrendered.</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">Any holder of a Receipt
or Receipts may withdraw the number of whole shares of Stock and all money and other property, if any, represented thereby by surrendering
such Receipt or Receipts, at the Depositary&rsquo;s Office or at such other offices as the Depositary may designate for such withdrawals.
Thereafter, without unreasonable delay, the Depositary shall deliver to such holder, or to the person or persons designated by
such holder as hereinafter provided, the number of whole shares of Stock and all money and other property, if any, represented
by the Receipt or Receipts so surrendered for withdrawal, but holders of such whole shares of Stock will not thereafter be entitled
to deposit such Stock hereunder or to receive a Receipt evidencing Depositary Shares therefor. If a Receipt delivered by the holder
to the Depositary in connection with such withdrawal shall evidence a number of Depositary Shares in excess of the number of Depositary
Shares representing the number of whole shares of Stock to be so withdrawn, the Depositary shall at the same time, in addition
to such number of whole shares of Stock and such money and other property, if any, to be so withdrawn, deliver to such holder,
or subject to Section&nbsp;2.3 upon his order, a new Receipt evidencing such excess number of Depositary Shares.</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">In no event will fractional
shares of Stock (or any cash payment in lieu thereof) be delivered by the Depositary; provided, that, in the event this Deposit
Agreement is terminated by the Company in accordance with Section 6.2, the Depositary shall deliver, upon surrender of the Receipts
representing the Depositary Shares, the number of whole or fractional shares of Stock as are represented by such Depositary Shares.
Delivery of the Stock and money and other</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">property, if any, being withdrawn may be
made by the delivery of such certificates, documents of title and other instruments as the Depositary may deem appropriate.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If the Stock and the
money and other property, if any, being withdrawn are to be delivered to a person or persons other than the record holder of the
Receipt or Receipts being surrendered for withdrawal of Stock, such holder shall execute and deliver to the Depositary a written
order so directing the Depositary and the Depositary may require that the Receipt or Receipts surrendered by such holder for withdrawal
of such shares of Stock be properly endorsed in blank or accompanied by a properly executed instrument of transfer in blank.</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">Delivery of the Stock
and the money and other property, if any, represented by Receipts surrendered for withdrawal shall be made by the Depositary at
the Depositary&rsquo;s Office.</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: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal">Section
2.5. </FONT>Limitations on Execution and Delivery, Transfer, Surrender and Exchange of Receipts.</P>

<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">As a condition precedent
to the execution and delivery, registration of transfer, split-up, combination, surrender or exchange of any Receipt, the Depositary,
any of the Depositary&rsquo;s Agents or the Company may require payment to it of a sum sufficient for the payment (or, in the event
that the Depositary or the Company shall have made such payment, the reimbursement to it) of any charges or expenses payable by
the holder of a Receipt pursuant to Section&nbsp;5.7, may require the production of evidence satisfactory to it as to the identity
and genuineness of any signature and may also require compliance with such regulations, if any, as the Depositary or the Company
may establish consistent with the provisions of this Deposit Agreement and/or applicable law.</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">The deposit of Stock
may be refused, the delivery of Receipts against Stock may be suspended, the registration of transfer of Receipts may be refused
and the registration of transfer, surrender or exchange of outstanding Receipts may be suspended (i)&nbsp;during any period when
the register of stockholders of the Company is closed or (ii)&nbsp;if any such action is deemed necessary or advisable by the Depositary,
any of the Depositary&rsquo;s Agents or the Company at any time or from time to time because of any requirement of law or of any
government or governmental body or commission or under any provision of this Deposit Agreement.</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: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal">Section
2.6. </FONT>Lost Receipts, etc.</P>

<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In case any Receipt
shall be mutilated, destroyed, lost or stolen, the Depositary in its discretion may execute and deliver a Receipt of like form
and tenor in exchange and substitution for such mutilated Receipt, or in lieu of and in substitution for such destroyed, lost or
stolen Receipt, upon (i)&nbsp;the filing by the holder thereof with the Depositary of evidence satisfactory to the Depositary of
such mutilation, destruction, loss or theft of such Receipt, of the authenticity thereof and of his or her ownership thereof and
(ii)&nbsp;the holder thereof furnishing of the Depositary with reasonable indemnification satisfactory to the Depositary.</P>

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<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal">Section
2.7. </FONT>Cancellation and Destruction of Surrendered Receipts.</P>

<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">All Receipts surrendered
to the Depositary or any Depositary&rsquo;s Agent shall be cancelled by the Depositary. Except as prohibited by applicable law
or regulation, the Depositary is authorized and directed to destroy all Receipts so cancelled.</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: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal">Section
2.8. </FONT>Redemption of Stock.</P>

<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Whenever the Company
shall be permitted and shall elect to redeem shares of Stock in accordance with the provisions of the Articles of Amendment, it
shall (unless otherwise agreed to in writing with the Depositary) give or cause to be given to the Depositary, not less than 35&nbsp;days
and not more than 75&nbsp;days prior to the Redemption Date (as defined below), notice of the date of such proposed redemption
of Stock and of the number of such shares held by the Depositary to be so redeemed and the applicable Redemption Price, which notice
shall be accompanied by a certificate from the Company stating that such redemption of Stock is in accordance with the provisions
of the Articles of Amendment. On the date of such redemption, provided that the Company shall then have paid or caused to be paid
in full to the Depositary the Redemption Price of the Stock to be redeemed in accordance with the provisions of the Articles of
Amendment, the Depositary shall redeem the number of Depositary Shares representing such Stock. The Depositary shall mail notice
of the Company&rsquo;s redemption of Stock and the proposed simultaneous redemption of the number of Depositary Shares representing
the Stock to be redeemed by first-class mail, postage prepaid (or another transmission method reasonably acceptable to the Company),
not less than 30 and not more than 60&nbsp;days prior to the date fixed for redemption of such Stock and Depositary Shares (the
&ldquo;<I>Redemption Date</I>&rdquo;), to the record holders of the Receipts evidencing the Depositary Shares to be so redeemed
at the addresses of such holders as they appear on the records of the Depositary; but neither failure to mail or transmit any such
notice of redemption of Depositary Shares to one or more such holders nor any defect in any notice of redemption of Depositary
Shares to one or more such holders shall affect the validity of the proceedings for redemption as to the other holders. Each such
notice shall be prepared by the Company and shall state: (i)&nbsp;the Redemption Date; (ii)&nbsp;the number of Depositary Shares
to be redeemed and, if less than all the Depositary Shares held by any such holder are to be redeemed, the number of such Depositary
Shares held by such holder to be so redeemed; (iii)&nbsp;the Redemption Price; and (iv)&nbsp;the place or places where Receipts
evidencing Depositary Shares are to be surrendered for payment of the Redemption Price; and (v)&nbsp;that dividends in respect
of the Stock represented by the Depositary Shares to be redeemed will cease to accrue on such Redemption Date. In case less than
all the outstanding Depositary Shares are to be redeemed, the Depositary Shares to be so redeemed shall be selected by the Depositary
by lot or pro rata or in any other manner that the Depositary may deem equitable.</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">Notice having been
mailed or transmitted by the Depositary as aforesaid, from and after the Redemption Date (unless the Company shall have failed
to provide the funds necessary to redeem the Stock evidenced by the Depositary Shares called for redemption) (i)&nbsp;dividends
on the shares of Stock so called for Redemption shall cease to accrue from and after such date, (ii)&nbsp;the Depositary Shares
being redeemed from such proceeds shall be deemed no longer to be outstanding, (iii)&nbsp;all rights of the holders of Receipts
evidencing such Depositary Shares (except the right to receive the Redemption Price) shall, to the extent of such Depositary Shares,
cease and terminate, and (iv)&nbsp;upon surrender in accordance with such redemption notice of the</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Receipts evidencing any such Depositary
Shares called for redemption (properly endorsed or assigned for transfer, if the Depositary or applicable law shall so require),
such Depositary Shares shall be redeemed by the Depositary at a redemption price per Depositary Share equal to one-four thousandth
(1/4,000<SUP>th</SUP>) of the Redemption Price per share of Stock so redeemed plus all money and other property, if any, represented
by such Depositary Shares.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If fewer than all of
the Depositary Shares evidenced by a Receipt are called for redemption, the Depositary will deliver to the holder of such Receipt
upon its surrender to the Depositary, together with the redemption payment, a new Receipt evidencing the Depositary Shares evidenced
by such prior Receipt and not called for redemption.</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">The Company shall be
entitled to receive, from time to time, from the Depositary any interest accrued on such funds deposited with the Depositary, and
the holders of any Receipts called for redemption shall have no claim to any such interest. Any funds so deposited and unclaimed
at the end of two years from the applicable Redemption Date shall, to the extent permitted by law, be repaid by the Depositary
to the Company.</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: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal">Section
2.9. </FONT>Receipts Issuable in Global Registered Form.</P>

<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If the Company shall
determine in a writing delivered to the Depositary that the Receipts are to be issued in whole or in part in the form of one or
more Global Registered Receipts, then the Depositary shall, in accordance with the other provisions of this Deposit Agreement,
execute and deliver one or more Global Registered Receipts evidencing such Receipts, which (i) shall represent, and shall be denominated
in an amount equal to the aggregate liquidation preference of the Receipts to be represented by such Global Registered Receipt
or Receipts and (ii) shall be registered in the name of the Global Receipt Depository therefor or its nominee.</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">Notwithstanding any
other provision of this Deposit Agreement to the contrary, unless otherwise provided in the Global Registered Receipt, a Global
Registered Receipt may only be transferred in whole and only by the applicable Global Receipt Depository for such Global Registered
Receipt to a nominee of such Global Receipt Depository, or by a nominee of such Global Receipt Depository to such Global Receipt
Depository or another nominee of such Global Receipt Depository, or by such Global Receipt Depository or any such nominee to a
successor Global Receipt Depository for such Global Registered Receipt selected or approved by the Company or to a nominee of such
successor Global Receipt Depository. Except as provided below, owners solely of beneficial interests in a Global Registered Receipt
shall not be entitled to receive physical delivery of the Receipts represented by such Global Registered Receipt. Neither any such
beneficial owner nor any direct or indirect participant of a Global Receipt Depository shall have any rights under this Deposit
Agreement with respect to any Global Registered Receipt held on their behalf by a Global Receipt Depository and such Global Receipt
Depository may be treated by the Company, the Depositary, any Depositary&rsquo;s Agent and any director, officer, employee or agent
of the Company, the Depositary or any Depositary&rsquo;s Agent as the holder of such Global Registered Receipt for all purposes
whatsoever. Unless and until definitive Receipts are delivered to the owners of the beneficial interests in a Global Registered
Receipt, (1) the applicable Global Receipt Depository will make book-entry transfers among its participants and receive and transmit
all payments and distributions in respect of the Global Registered Receipts to such participants, in each case, in accordance with
the Letter of</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Representations, and (2) whenever any notice,
payment or other communication to the holders of Global Registered Receipts is required under this Deposit Agreement, the Company,
the Depositary or any Depositary&rsquo;s Agent shall give all such notices, payments and communications specified herein to be
given to such holders to the applicable Global Receipt Depository.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If an Exchange Event
has occurred with respect to any Global Registered Receipt, then, in any such event, the Depositary shall, upon receipt of a written
order from the Company for the execution and delivery of individual definitive registered Receipts in exchange for such Global
Registered Receipt, execute and deliver, individual definitive registered Receipts, in authorized denominations and of like tenor
and terms in an aggregate principal amount equal to the liquidation preference of the Global Registered Receipt in exchange for
such Global Registered Receipt.</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">Definitive registered
Receipts issued in exchange for a Global Registered Receipt pursuant to this Section shall be registered in such names and in such
authorized denominations as the Global Receipt Depository for such Global Registered Receipt, pursuant to instructions from its
participants, shall instruct the Depositary in writing. The Depositary shall deliver such Receipts to the persons in whose names
such Receipts are so registered.</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">Notwithstanding anything
to the contrary in this Deposit Agreement, should the Company determine that the Receipts should be issued as a Global Registered
Receipt, the parties hereto shall comply with the terms of the Letter of Representations.</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: small-caps 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">ARTICLE III</P>

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

<P STYLE="font: small-caps 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">Certain Obligations of<BR>
Holders of Receipts and the Company</P>

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

<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal">Section
3.1. </FONT>Filing Proofs, Certificates and Other Information.</P>

<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Any holder of a Receipt
may be required from time to time to file such proof of residence, or other matters or other information, to execute such certificates
and to make such representations and warranties as the Depositary or the Company may reasonably deem necessary or proper. The Depositary
or the Company may withhold the delivery, or delay the registration of transfer or redemption, of any Receipt or the withdrawal
of the Stock represented by the Depositary Shares evidenced by any Receipt or the distribution of any dividend or other distribution
or the sale of any rights or of the proceeds thereof until such proof or other information is filed or such certificates are executed
or such representations and warranties are made.</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: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal">Section
3.2. </FONT>Payment of Taxes or Other Governmental Charges.</P>

<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Holders of Receipts
shall be obligated to make payments to the Depositary of certain charges and expenses, as provided in Section&nbsp;5.7. Registration
of transfer of any Receipt or any withdrawal of Stock and all money or other property, if any, represented by the Depositary Shares
evidenced by such Receipt may be refused until any such payment due is made, and any dividends or other distributions or payments
may be withheld or any part of or all the Stock or other property represented by the Depositary Shares evidenced by such Receipt
and not</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">theretofore sold may be sold for the account
of the holder thereof (after attempting by reasonable means to notify such holder prior to such sale), and such dividends or other
distributions or payments or the proceeds of any such sale may be applied to any payment of such charges or expenses, the holder
of such Receipt remaining liable for any deficiency.</P>

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

<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal">Section
3.3. </FONT>Warranty as to Stock.</P>

<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Company hereby
represents and warrants that the Stock, when issued, will be duly authorized, validly issued, fully paid and nonassessable. Such
representation and warranty shall survive the deposit of the Stock and the issuance of Receipts.</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: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal">Section
3.4. </FONT>Warranty as to Receipts.</P>

<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Company hereby
represents and warrants that the Receipts, when issued, will be entitled to the benefits of this Deposit Agreement. Such representation
and warranty shall survive the deposit of the Stock and the issuance of Receipts.</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: small-caps 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">ARTICLE IV</P>

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

<P STYLE="font: small-caps 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">The Deposited Securities; Notices</P>

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

<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal">Section
4.1. </FONT>Cash Distributions.</P>

<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Whenever the Depositary
shall receive any cash dividend or other cash distribution on Stock, the Depositary shall, subject to Sections 3.1, 3.2 and 5.7,
distribute to record holders of Receipts on the record date fixed pursuant to Section&nbsp;4.4 such amounts of such dividend or
distribution as are, as nearly as practicable, in proportion to the respective numbers of Depositary Shares evidenced by the Receipts
held by such holders; provided, however, that in case the Company or the Depositary shall be required to withhold and shall withhold
from any cash dividend or other cash distribution in respect of the Stock an amount on account of taxes, the amount made available
for distribution or distributed in respect of Depositary Shares shall be reduced accordingly. The Depositary shall distribute or
make available for distribution, as the case may be, only such amount, however, as can be distributed without attributing to any
holder of Receipts a fraction of one cent, and any balance not so distributable shall be held by the Depositary (without liability
for interest thereon) and shall be added to and be treated as part of the next sum received by the Depositary for distribution
to record holders of Receipts then outstanding. Each holder of a Receipt shall provide the Depositary with a properly completed
Form W-8 or W-9, as may be applicable. Each holder of a Receipt acknowledges that, in the event of non-compliance with the preceding
sentence, the Internal Revenue Code of 1986, as amended, may require withholding by the Depositary of a portion of any of the distributions
to be made hereunder.</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: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal">Section
4.2. </FONT>Distributions Other than Cash, Rights, Preferences or Privileges.</P>

<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Whenever the Depositary
shall receive any distribution of any securities or property other than cash, rights, preferences or privileges upon Stock, the
Depositary shall, subject to Sections 3.1, 3.2 and 5.7, distribute to record holders of Receipts on the record date fixed pursuant
to Section&nbsp;4.4 such amounts of the securities or property received by it as are, as nearly as</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">practicable, in proportion to the respective
numbers of Depositary Shares evidenced by the Receipts held by such holders, in any manner that the Depositary may deem equitable
and practicable for accomplishing such distribution. If in the opinion of the Depositary such distribution cannot be made proportionately
among such record holders, or if for any other reason (including any requirement that the Company or the Depositary withhold an
amount on account of taxes) the Depositary deems, after consultation with the Company, such distribution not to be feasible, the
Depositary may, with the approval of the Company, adopt such method as it deems equitable and practicable for the purpose of effecting
such distribution, including the sale (at public or private sale) of the securities or property thus received, or any part thereof,
in a commercially reasonable manner. The net proceeds of any such sale shall, subject to Sections 3.1, 3.2 and 5.7, be distributed
or made available for distribution, as the case may be, by the Depositary to record holders of Receipts as provided by Section&nbsp;4.1
in the case of a distribution received in cash. The Company shall not make any distribution of such securities or property to the
Depositary and the Depositary shall not make any distribution of such securities or property to the holders of Receipts unless
the Company shall have provided an opinion of counsel (which may be in-house counsel) stating that such securities or property
have been registered under the Securities Act or do not need to be registered in connection with such distribution.</P>

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

<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal">Section
4.3. </FONT>Subscription Rights, Preferences or Privileges.</P>

<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If the Company shall
at any time offer or cause to be offered to the persons in whose names Stock is recorded on the books of the Company any rights,
preferences or privileges to subscribe for or to purchase any securities or any rights, preferences or privileges of any other
nature, such rights, preferences or privileges shall in each such instance be made available by the Depositary to the record holders
of Receipts in such manner as the Depositary may determine, either by the issue to such record holders of instruments representing
such rights, preferences or privileges or by such other method as may be approved by the Depositary in its discretion with the
approval of the Company; provided, however, that (i)&nbsp;if at the time of issue or offer of any such rights, preferences or privileges
the Depositary determines that it is not lawful or (after consultation with the Company) not feasible to make such rights, preferences
or privileges available to holders of Receipts by the issue of instruments, or otherwise, or (ii)&nbsp;if and to the extent so
instructed by holders of Receipts who do not desire to exercise such rights, preferences or privileges, then the Depositary, in
its discretion (with approval of the Company, in any case where the Depositary has determined that it is not feasible to make such
rights, preferences or privileges available), may, if applicable laws and the terms of such rights, preferences or privileges permit
such transfer, sell such rights, preferences or privileges at public or private sale, at such place or places and upon such terms
as it may deem proper. The net proceeds of any such sale shall, subject to Sections 3.1, 3.2 and 5.7, be distributed by the Depositary
to the record holders of Receipts entitled thereto as provided by Section&nbsp;4.1 in the case of a distribution received in cash.</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">The Company shall notify
the Depositary whether registration under the Securities Act of the securities to which any rights, preferences or privileges relate
is required in order for holders of Receipts to be offered or sold the securities to which such rights, preferences or privileges
relate, and, if necessary, the Company agrees with the Depositary that it will promptly register the distribution of such rights,
preferences or privileges and securities under the Securities Act and use its best efforts and take all steps available to it to
cause such registration to become</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">effective sufficiently in advance of the
expiration of such rights, preferences or privileges to enable such holders to exercise such rights, preferences or privileges.
In no event shall the Depositary make available to the holders of Receipts any right, preference or privilege to subscribe for
or to purchase any securities unless and until such registration shall have become effective, or the Company shall have provided
to the Depositary an opinion of counsel (which may be in-house counsel) to the effect that the offering and sale of such securities
to such holders are exempt from registration under the provisions of the Securities Act.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Company shall notify
the Depositary whether any other action or consent under any federal or state law is required in order for such rights, preferences
or privileges to be made available to holders of Receipts, and the Company agrees with the Depositary that the Company will use
its reasonable best efforts to take such action or obtain such consent sufficiently in advance of the expiration of such rights,
preferences or privileges to enable such holders to exercise such rights, preferences or privileges.</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: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal">Section
4.4. </FONT>Notice of Dividends, etc.; Fixing Record Date for Holders of Receipts.</P>

<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Whenever any cash dividend
or other cash distribution shall become payable or any distribution other than cash shall be made, or if rights, preferences or
privileges shall at any time be offered, with respect to Stock, or whenever the Depositary shall receive notice of any meeting
at which holders of Stock are entitled to vote or of which holders of Stock are entitled to notice, or whenever the Depositary
and the Company shall decide it is appropriate, the Depositary shall in each such instance fix a record date (which shall be the
same date as the record date fixed by the Company with respect to or otherwise in accordance with the terms of the Stock) for the
determination of the holders of Receipts who shall be entitled to receive such dividend, distribution, rights, preferences or privileges
or the net proceeds of the sale thereof, or to give instructions for the exercise of voting rights at any such meeting, or who
shall be entitled to notice of such meeting or for any other appropriate reasons.</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: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal">Section
4.5. </FONT>Voting Rights.</P>

<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Upon receipt of notice
of any meeting at which the holders of Stock are entitled to vote, the Depositary shall, as soon as practicable thereafter, mail
to the record holders of Receipts a notice prepared by the Company which shall contain (i)&nbsp;such information as is contained
in such notice of meeting and (ii)&nbsp;a statement that the holders may, subject to any applicable restrictions, instruct the
Depositary as to the exercise of the voting rights pertaining to the amount of Stock represented by their respective Depositary
Shares (including an express indication that instructions may be given to the Depositary to give a discretionary proxy to a person
designated by the Company) and a brief statement as to the manner in which such instructions may be given. Upon the written request
of the holders of Receipts on the relevant record date, the Depositary shall endeavor insofar as practicable to vote or cause to
be voted, in accordance with the instructions set forth in such requests, the maximum number of whole shares of Stock represented
by the Depositary Shares evidenced by all Receipts as to which any particular voting instructions are received. The Company hereby
agrees to take all reasonable action which may be deemed necessary by the Depositary in order to enable the Depositary to vote
such Stock or cause such Stock to be voted. In the absence of specific instructions from the holder of a Receipt, the Depositary
will not vote (but, at its discretion, may appear at any meeting with respect to</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">such Stock unless directed to the contrary
by the holders of all the Receipts) to the extent of the Stock represented by the Depositary Shares evidenced by such Receipt.</P>

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

<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal">Section
4.6. </FONT>Changes Affecting Deposited Securities and Reclassifications, Recapitalizations, etc.</P>

<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Upon any change in
par or stated value, split-up, combination or any other reclassification of the Stock, or upon any recapitalization, reorganization,
merger, consolidation or other business combination affecting the Company or to which it is a party, the Depositary may in its
discretion with the approval of, and shall upon the instructions of, the Company, and (in either case) in such manner as the Depositary
may deem equitable, (i)&nbsp;make such adjustments as are certified by the Company in the fraction of an interest represented by
one Depositary Share in one share of Stock as may be necessary fully to reflect the effects of such change in par or stated value,
split-up, combination or other reclassification of Stock, or of such recapitalization, reorganization, merger, consolidation or
business combination and (ii)&nbsp;treat any securities which shall be received by the Depositary in exchange for or upon conversion
of or in respect of the Stock as new deposited securities so received in exchange for or upon conversion or in respect of such
Stock. In any such case the Depositary may in its discretion, with the approval of the Company, execute and deliver additional
Receipts or may call for the surrender of all outstanding Receipts to be exchanged for new Receipts specifically describing such
new deposited securities. Anything to the contrary herein notwithstanding, holders of Receipts shall have the right from and after
the effective date of any such change in par or stated value, split-up, combination or other reclassification of the Stock or any
such recapitalization, reorganization, merger, consolidation, or business combination to surrender such Receipts to the Depositary
with instructions to convert, exchange or surrender the Stock represented thereby only into or for, as the case may be, the kind
and amount of shares of stock and other securities and property and cash into which the Stock represented by such Receipts might
have been converted or for which such Stock might have been exchanged or surrendered immediately prior to the effective date of
such transaction.</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: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal">Section
4.7. </FONT>Delivery of Reports.</P>

<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Depositary shall
furnish to holders of Receipts any reports and communications received from the Company which are received by the Depositary and
which the Company is required by the first sentence of Section 5.5 to furnish to the holders of the Stock.</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: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal">Section
4.8. </FONT>Lists of Receipt Holders.</P>

<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Promptly upon request
from time to time by the Company, the Depositary shall furnish to it a list, as of the most recent practicable date, of the names,
addresses and holdings of Depositary Shares of all record holders of Receipts.</P>

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

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

<P STYLE="font: small-caps 12pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0pt">The Depositary,
the Depositary&rsquo;s<BR>
Agents, the Registrar and the Company</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 60pt; font-style: italic; font-variant: normal; font-weight: normal; text-align: left; text-indent: 0pt; layout-grid-mode: line"><FONT STYLE="font-weight: normal; font-style: normal; font-variant: normal">Section
    5.1.</FONT></TD>
    <TD STYLE="font-style: italic; font-variant: normal; font-weight: normal; text-align: left; text-indent: 0pt; layout-grid-mode: line">Maintenance
    of Offices, Agencies and Transfer Books by the Depositary; Registrar.</TD></TR>
</TABLE>
<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0 0 0 108pt; text-align: justify; text-indent: -72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">Upon execution of this Deposit
Agreement, the Depositary shall maintain at the Depositary&rsquo;s Office, facilities for the execution and delivery, registration
and registration of transfer, surrender and exchange of Receipts, and at the offices of the Depositary&rsquo;s Agents, if any,
facilities for the delivery, registration of transfer, surrender and exchange of Receipts, all in accordance with the provisions
of this Deposit Agreement.</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">The Depositary shall keep
books at the Depositary&rsquo;s Office for the registration and registration of transfer of Receipts, which books at all reasonable
times shall be open for inspection by the record holders of Receipts; provided that any such holder requesting to exercise such
right shall certify to the Depositary that such inspection shall be for a proper purpose reasonably related to such person&rsquo;s
interest as an owner of Depositary Shares evidenced by the Receipts.</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">The Depositary may close
such books, at any time or from time to time, when deemed expedient by it in connection with the performance of its duties hereunder.</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">The Depositary may, with
the approval of the Company, appoint a Registrar for registration of the Receipts or the Depositary Shares evidenced thereby. If
the Receipts or the Depositary Shares evidenced thereby or the Stock represented by such Depositary Shares shall be listed on one
or more national securities exchanges, the Depositary will appoint a Registrar (acceptable to the Company) for registration of
such Receipts or Depositary Shares in accordance with any requirements of such exchange. Such Registrar (which may be the Depositary
if so permitted by the requirements of any such exchange) may be removed and a substitute Registrar appointed by the Depositary
upon the request or with the approval of the Company. If the Receipts, such Depositary Shares or such Stock are listed on one or
more other securities exchanges, the Depositary will, at the request of the Company, arrange such facilities for the delivery,
registration, registration of transfer, surrender and exchange of such Receipts, such Depositary Shares or such Stock as may be
required by law or applicable securities exchange regulation.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 60pt; font-style: italic; font-variant: normal; font-weight: normal; text-align: left; text-indent: 0pt; layout-grid-mode: line"><FONT STYLE="font-weight: normal; font-style: normal; font-variant: normal">Section
    5.2.</FONT></TD>
    <TD STYLE="font-style: italic; font-variant: normal; font-weight: normal; text-align: left; text-indent: 0pt; layout-grid-mode: line">Prevention
    of or Delay in Performance by the Depositary, the Depositary&rsquo;s Agents, the Registrar or the Company.</TD></TR>
</TABLE>
<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0 0 0 108pt; text-align: justify; text-indent: -72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">Neither the Depositary nor
any Depositary&rsquo;s Agent nor any Registrar nor the Company shall incur any liability to any holder of any Receipt if by reason
of any provision of any present or future law, or regulation thereunder, of the United States of America or of any other governmental
authority or, in the case of the Depositary, the Depositary&rsquo;s Agent or the Registrar, by reason of any provision, present
or future, of the Company&rsquo;s Restated Charter (including the Articles of Amendment) or by reason of any act of God or war
or other circumstance beyond the </P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">control of the relevant party, the Depositary, the Depositary&rsquo;s Agent, the Registrar or
the Company shall be prevented or forbidden from, or subjected to any penalty on account of, doing or performing any act or thing
which the terms of this Deposit Agreement provide shall be done or performed; nor shall the Depositary, any Depositary&rsquo;s
Agent, any Registrar or the Company incur liability to any holder of a Receipt (i)&nbsp;by reason of any nonperformance or delay,
caused as aforesaid, in the performance of any act or thing which the terms of this Deposit Agreement shall provide shall or may
be done or performed, or (ii)&nbsp;by reason of any exercise of, or failure to exercise, any discretion provided for in this Deposit
Agreement except as otherwise explicitly set forth in this Deposit Agreement.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 60pt; font-style: italic; font-variant: normal; font-weight: normal; text-align: left; text-indent: 0pt; layout-grid-mode: line"><FONT STYLE="font-weight: normal; font-style: normal; font-variant: normal">Section
    5.3.</FONT></TD>
    <TD STYLE="font-style: italic; font-variant: normal; font-weight: normal; text-align: left; text-indent: 0pt; layout-grid-mode: line">Obligations
    of the Depositary, the Depositary&rsquo;s Agents, the Registrar and the Company.</TD></TR>
</TABLE>
<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0 0 0 108pt; text-align: justify; text-indent: -72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">Neither the Depositary nor
any Depositary&rsquo;s Agent nor any Registrar nor the Company assumes any obligation or shall be subject to any liability under
this Deposit Agreement to holders of Receipts other than for its gross negligence, willful misconduct or bad faith. Notwithstanding
anything in this Deposit Agreement to the contrary, neither the Depositary, nor the Depositary&rsquo;s Agent nor any Registrar
nor the Company shall be liable in any event for special, punitive, incidental, indirect or consequential losses or damages of
any kind whatsoever (including but not limited to lost profits).</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">Neither the Depositary nor
any Depositary&rsquo;s Agent nor any Registrar nor the Company shall be under, any obligation to appear in, prosecute or defend
any action, suit or other proceeding in respect of the Stock, the Depositary Shares or the Receipts which in its opinion may involve
it in expense or liability unless indemnity satisfactory to it against all expense and liability be furnished by the holders as
often as may be required.</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">Neither the Depositary nor
any Depositary&rsquo;s Agent nor any Registrar nor the Company shall be liable for any action or any failure to act by it in reliance
upon the written advice of legal counsel or accountants, or information from any person presenting Stock for deposit, any holder
of a Receipt or any other person believed by it in good faith to be competent to give such information. The Depositary, any Depositary&rsquo;s
Agent, any Registrar and the Company may each rely and shall each be protected in acting upon or omitting to act upon any written
notice, request, direction or other document believed by it to be genuine and to have been signed or presented by the proper party
or parties.</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">The Depositary shall not
be responsible for any failure to carry out any instruction to vote any of the shares of Stock or for the manner or effect of any
such vote made, as long as any such action or non-action is not taken in bad faith. The Depositary undertakes, and any Registrar
shall be required to undertake, to perform such duties and only such duties as are specifically set forth in this Deposit Agreement,
and no implied covenants or obligations shall be read into this Deposit Agreement against the Depositary or any Registrar.</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">The Depositary, the Depositary&rsquo;s
Agents, and any Registrar may own and deal in any class of securities of the Company and its affiliates and in Receipts. The Depositary
may also act as transfer agent or registrar of any of the securities of the Company and its affiliates.</P>

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    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">The Depositary shall not
be under any liability for interest on any monies at any time received by it pursuant to any of the provisions of this Deposit
Agreement or of the Receipts, the Depositary Shares or the Stock nor shall it be obligated to segregate such monies from other
monies held by it, except as required by law. The Depositary shall not be responsible for advancing funds on behalf of the Company
and shall have no duty or obligation to make any payments if it has not timely received sufficient funds to make timely payments.</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">In the event the Depositary
believes any ambiguity or uncertainty exists hereunder or in any notice, instruction, direction, request or other communication,
paper or document received by the Depositary hereunder, or in the administration of any of the provisions of this Deposit Agreement,
the Depositary shall deem it necessary or desirable that a matter be proved or established prior to taking, omitting or suffering
to take any action hereunder, the Depositary may, in its sole discretion upon written notice to the Company, refrain from taking
any action and shall be fully protected and shall not be liable in any way to the Company, any holders of Receipts or any other
person or entity for refraining from taking such action, unless the Depositary receives written instructions or a certificate signed
by the Company which eliminates such ambiguity or uncertainty to the satisfaction of the Depositary or which proves or establishes
the applicable matter to the satisfaction of the Depositary.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 60pt; font-style: italic; font-variant: normal; font-weight: normal; text-align: left; text-indent: 0pt; layout-grid-mode: line"><FONT STYLE="font-weight: normal; font-style: normal; font-variant: normal">Section
    5.4.</FONT></TD>
    <TD STYLE="font-style: italic; font-variant: normal; font-weight: normal; text-align: left; text-indent: 0pt; layout-grid-mode: line">Resignation
    and Removal of the Depositary; Appointment of Successor Depositary.</TD></TR>
</TABLE>
<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0 0 0 108pt; text-align: justify; text-indent: -72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">The Depositary may at any
time resign as Depositary hereunder by delivering notice of its election to do so to the Company, such resignation to take effect
upon the appointment of a successor Depositary and its acceptance of such appointment as hereinafter provided.</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">The Depositary may at any
time be removed by the Company by notice of such removal delivered to the Depositary, such removal to take effect upon the appointment
of a successor Depositary hereunder and its acceptance of such appointment as hereinafter provided.</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">In case at any time the
Depositary acting hereunder shall resign or be removed, the Company shall, within 60&nbsp;days after the delivery of the notice
of resignation or removal, as the case may be, appoint a successor Depositary, which shall be a bank or trust company having its
principal office in the United States of America and having a combined capital and surplus of at least $50,000,000. If no successor
Depositary shall have been so appointed and have accepted appointment within 60&nbsp;days after delivery of such notice, the resigning
or removed Depositary may petition any court of competent jurisdiction for the appointment of a successor Depositary. Every successor
Depositary shall execute and deliver to its predecessor and to the Company an instrument in writing accepting its appointment hereunder,
and thereupon such successor Depositary, without any further act or deed, shall become fully vested with all the rights, powers,
duties and obligations of its predecessor and for all purposes shall be the Depositary under this Deposit Agreement, and such predecessor,
upon payment of all sums due it and on the written request of the Company, shall promptly execute and deliver an instrument transferring
to such successor all rights and powers of such predecessor hereunder, shall duly assign, transfer and deliver all right, title
and interest in the Stock and any moneys or property held hereunder to such successor, and shall deliver to such successor a list
of the record holders of all outstanding Receipts and such records, books and other information in its possession relating thereto.
Any </P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">successor Depositary shall promptly mail notice of its appointment to the record holders of Receipts.</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">Any entity into or with
which the Depositary may be merged, consolidated or converted or any entity succeeding to all or substantially all of the Depositary&rsquo;s
trust business shall be the successor of the Depositary without the execution or filing of any document or any further act, and
notice thereof shall not be required hereunder. Such successor Depositary may authenticate the Receipts in the name of the predecessor
Depositary or in its own name as successor Depositary.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 60pt; font-style: italic; font-variant: normal; font-weight: normal; text-align: left; text-indent: 0pt; layout-grid-mode: line"><FONT STYLE="font-weight: normal; font-style: normal; font-variant: normal">Section
    5.5.</FONT></TD>
    <TD STYLE="font-style: italic; font-variant: normal; font-weight: normal; text-align: left; text-indent: 0pt; layout-grid-mode: line">Corporate
    Notices and Reports.</TD></TR>
</TABLE>
<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0 0 0 108pt; text-align: justify; text-indent: -72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">The Company agrees that
it will deliver to the Depositary, and the Depositary will, promptly after receipt thereof, transmit to the record holders of Receipts,
in each case at the addresses recorded in the Depositary&rsquo;s books, copies of all notices and reports (including without limitation
financial statements) required by law, by the rules of any national securities exchange upon which the Stock, the Depositary Shares
or the Receipts are listed or by the Company&rsquo;s Restated Charter (including the Articles of Amendment), to be furnished to
the record holders of Receipts. Such transmission will be at the Company&rsquo;s expense and the Company will provide the Depositary
with such number of copies of such documents as the Depositary may reasonably request. In addition, the Depositary will transmit
to the record holders of Receipts at the Company&rsquo;s expense such other documents as may be requested by the Company.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 60pt; font: normal italic 10pt Times New Roman, Times, Serif; text-align: left; text-indent: 0pt; layout-grid-mode: line"><FONT STYLE="font-weight: normal; font-style: normal; font-variant: normal">Section
    5.6.</FONT></TD>
    <TD STYLE="font: normal italic 10pt Times New Roman, Times, Serif; text-align: left; text-indent: 0pt; layout-grid-mode: line">Indemnification
    by the Company.</TD></TR>
</TABLE>
<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0 0 0 108pt; text-align: justify; text-indent: -72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">Notwithstanding Section
5.3 to the contrary, the Company shall indemnify the Depositary, any Depositary&rsquo;s Agent and any Registrar (including each
of their officers, directors, agents and employees) against, and hold each of them harmless from, any loss, damage, cost, penalty,
liability or expense (including the reasonable costs and expenses of defending itself) which may arise out of acts performed, suffered
or omitted to be taken in connection with this Deposit Agreement and the Receipts by the Depositary, any Registrar or any of their
respective agents (including any Depositary&rsquo;s Agent) and any transactions or documents contemplated hereby, except for any
liability arising out of gross negligence, willful misconduct or bad faith on the respective parts of any such person or persons.
The obligations of the Company set forth in this Section 5.6 shall survive any succession or termination of any Depositary, Registrar
or Depositary&rsquo;s Agent.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 60pt; font-style: italic; font-variant: normal; font-weight: normal; text-align: left; text-indent: 0pt; layout-grid-mode: line"><FONT STYLE="font-weight: normal; font-style: normal; font-variant: normal">Section
    5.7.</FONT></TD>
    <TD STYLE="font-style: italic; font-variant: normal; font-weight: normal; text-align: left; text-indent: 0pt; layout-grid-mode: line">Fees,
    Charges and Expenses.</TD></TR>
</TABLE>
<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0 0 0 108pt; text-align: justify; text-indent: -72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">The Company agrees promptly
to pay the Depositary the compensation to be agreed upon with the Company for all services rendered by the Depositary hereunder
and to reimburse the Depositary for its reasonable out-of-pocket expenses (including reasonable counsel fees and expenses) incurred
by the Depositary without gross negligence, willful misconduct or bad faith on its part in connection with the services rendered
by it hereunder. The Company shall pay all charges of the Depositary in connection with the initial deposit of the Stock and the
initial issuance of the Depositary Shares, all withdrawals of shares of the Stock by owners of Depositary Shares, and any redemption
or exchange of the Stock at the option of the Company. </P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The Company shall pay all transfer and other taxes and governmental charges
arising solely from the existence of the depositary arrangements. All other transfer and other taxes and governmental charges shall
be at the expense of holders of Depositary Shares evidenced by Receipts. If, at the request of a holder of Receipts, the Depositary
incurs charges or expenses for which the Company is not otherwise liable hereunder, such holder will be liable for such charges
and expenses; provided, however, that the Depositary may, at its sole option, require a holder of a Receipt to prepay the Depositary
any charge or expense the Depositary has been asked to incur at the request of such holder of Receipts. The Depositary shall present
its statement for charges and expenses to the Company at such intervals as the Company and the Depositary may agree.</P>

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

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

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

<P STYLE="font: small-caps 12pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0pt">Amendment and Termination</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 60pt; font-style: italic; font-variant: normal; font-weight: normal; text-align: left; text-indent: 0pt; layout-grid-mode: line"><FONT STYLE="font-weight: normal; font-style: normal; font-variant: normal">Section
    6.1.</FONT></TD>
    <TD STYLE="font-style: italic; font-variant: normal; font-weight: normal; text-align: left; text-indent: 0pt; layout-grid-mode: line">Amendment.</TD></TR>
</TABLE>
<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0 0 0 108pt; text-align: justify; text-indent: -72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">The form of the Receipts
and any provisions of this Deposit Agreement may at any time and from time to time be amended by agreement between the Company
and the Depositary in any respect which they may deem necessary or desirable; provided, however, that no such amendment which shall
impose additional charges or materially and adversely alter the rights of the holders of Receipts shall be effective unless such
amendment shall have been approved by the holders of at least a majority (or, in the case of an amendment that would under the
Articles of Amendment require a greater vote if the holders of the Receipts directly held the shares of Stock represented thereby,
such greater vote required by the Articles of Amendment) of the Depositary Shares then outstanding. Every holder of an outstanding
Receipt at the time any such amendment becomes effective shall be deemed, by continuing to hold such Receipt, to consent and agree
to such amendment and to be bound by the Deposit Agreement as amended thereby. In no event shall any amendment impair the right,
subject to the provisions of Sections 2.5, 2.6 and 5.7 and Article&nbsp;III, of any owner of Depositary Shares to surrender any
Receipt evidencing such Depositary Shares to the Depositary with instructions to deliver to the holder the Stock and all money
and other property, if any, represented thereby, except in order to comply with mandatory provisions of applicable law or the rules
and regulations of any governmental body, agency or commission, or applicable securities exchange.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 60pt; font-style: italic; font-variant: normal; font-weight: normal; text-align: left; text-indent: 0pt; layout-grid-mode: line"><FONT STYLE="font-weight: normal; font-style: normal; font-variant: normal">Section
    6.2.</FONT></TD>
    <TD STYLE="font-style: italic; font-variant: normal; font-weight: normal; text-align: left; text-indent: 0pt; layout-grid-mode: line">Termination.</TD></TR>
</TABLE>
<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0 0 0 108pt; text-align: justify; text-indent: -72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">This Deposit Agreement may
be terminated by the Company at any time and for any reason upon not less than 60&nbsp;days&rsquo; prior written notice to the
Depositary, in which case, at least 30&nbsp;days prior to the date fixed in such notice for such termination, the Depositary will
mail notice of such termination to the record holders of all Receipts then 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">If any Receipts shall remain
outstanding after the date of termination of this Deposit Agreement, the Depositary thereafter shall discontinue the transfer of
Receipts, shall suspend the distribution of dividends to the holders thereof and shall not give any further notices (other than
notice of such termination) or perform any further acts under this Deposit Agreement, except that the Depositary shall continue
to collect dividends and other distributions pertaining to Stock, shall sell rights, preferences or privileges as provided in this
Deposit Agreement and shall </P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">continue to deliver the Stock and any money and other property, if any, represented by Receipts upon
surrender thereof by the holders thereof. At any time after the expiration of two years from the date of termination, the Depositary
may sell Stock then held hereunder at public or private sale, at such places and upon such terms as it deems proper and may thereafter
hold the net proceeds of any such sale, together with any money and other property held by it hereunder, without liability for
interest, for the benefit, pro rata in accordance with their holdings, of the holders of Receipts that have not theretofore been
surrendered. After making such sale, the Depositary shall be discharged from all obligations under this Deposit Agreement except
to account for such net proceeds and money and other property.</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">This Deposit Agreement may
be terminated by the Depositary only if (i)&nbsp;all outstanding Depositary Shares have been redeemed pursuant to Section&nbsp;2.8
or (ii)&nbsp;there shall have been made a final distribution in respect of the Stock in connection with any liquidation, dissolution
or winding up of the Company and such distribution shall have been distributed to the holders of Depositary Shares pursuant to
Article IV.</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">Upon the termination of
this Deposit Agreement, the Company shall be discharged from all obligations under this Deposit Agreement except for its obligations
to the Depositary, any Depositary&rsquo;s Agent and any Registrar under Sections 5.6 and 5.7.</P>

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

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 60pt; font-style: italic; font-variant: normal; font-weight: normal; text-align: left; text-indent: 0pt; layout-grid-mode: line"><FONT STYLE="font-weight: normal; font-style: normal; font-variant: normal">Section
    7.1.</FONT></TD>
    <TD STYLE="font-style: italic; font-variant: normal; font-weight: normal; text-align: left; text-indent: 0pt; layout-grid-mode: line">Counterparts.</TD></TR>
</TABLE>
<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0 0 0 108pt; text-align: justify; text-indent: -72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">This Deposit Agreement may
be executed in any number of counterparts, and by each of the parties hereto on separate counterparts, each of which counterparts,
when so executed and delivered, shall be deemed an original, but all such counterparts taken together shall constitute one and
the same instrument. All documents and instruments contemplated to be executed hereunder may be executed by electronic signature
and any reference to executed shall include an electronic signature.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 60pt; font-style: italic; font-variant: normal; font-weight: normal; text-align: left; text-indent: 0pt; layout-grid-mode: line"><FONT STYLE="font-weight: normal; font-style: normal; font-variant: normal">Section
    7.2.</FONT></TD>
    <TD STYLE="font-style: italic; font-variant: normal; font-weight: normal; text-align: left; text-indent: 0pt; layout-grid-mode: line">Exclusive
    Benefit of Parties.</TD></TR>
</TABLE>
<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0 0 0 108pt; text-align: justify; text-indent: -72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">This Deposit Agreement is
for the exclusive benefit of the parties hereto, and their respective successors hereunder, and shall not be deemed to give any
legal or equitable right, remedy or claim to any other person whatsoever.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 60pt; font-style: italic; font-variant: normal; font-weight: normal; text-align: left; text-indent: 0pt; layout-grid-mode: line"><FONT STYLE="font-weight: normal; font-style: normal; font-variant: normal">Section
    7.3.</FONT></TD>
    <TD STYLE="font-style: italic; font-variant: normal; font-weight: normal; text-align: left; text-indent: 0pt; layout-grid-mode: line">Invalidity
    of Provisions.</TD></TR>
</TABLE>
<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0 0 0 108pt; text-align: justify; text-indent: -72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">In case any one or more
of the provisions contained in this Deposit Agreement or in the Receipts should be or become invalid, illegal or unenforceable
in any respect, the validity, legality and enforceability of the remaining provisions contained herein or therein shall in no way
be affected, prejudiced or disturbed thereby.</P>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 60pt; font-style: italic; font-variant: normal; font-weight: normal; text-align: left; text-indent: 0pt; layout-grid-mode: line"><FONT STYLE="font-weight: normal; font-style: normal; font-variant: normal">Section
    7.4.</FONT></TD>
    <TD STYLE="font-style: italic; font-variant: normal; font-weight: normal; text-align: left; text-indent: 0pt; layout-grid-mode: line">Notices.</TD></TR>
</TABLE>
<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0 0 0 108pt; text-align: justify; text-indent: -72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">Any and all notices to be
given to the Company hereunder or under the Receipts shall be in writing and shall be deemed to have been duly given if personally
delivered or sent by mail or recognized next day courier service, by electronic mail, or by facsimile transmission confirmed by
letter, addressed to the Company at</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt">First Horizon National Corporation<BR>
165 Madison Avenue<BR>
Memphis, TN 38103<BR>
Attention: Janet E. Denkler<BR>
Email: jedenkler@firsthorizon.com<BR>
Facsimile No.: 901-523-4478</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">or at any other addresses of which the Company
shall have notified the Depositary in writing.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">Any and all notices to be
given to the Depositary hereunder or under the Receipts shall be in writing and shall be deemed to have been duly given if personally
delivered or sent by mail or recognized next day courier service, by electronic mail, or by facsimile transmission confirmed by
letter, addressed to the Depositary at the Depositary&rsquo;s Office at:</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">Equiniti Trust Company</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">1110 Centre Pointe Curve,
Suite 101</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">Mendota Heights, MN 55120</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">Email: <FONT STYLE="color: Blue"><U>john.lundberg@equiniti.com</U></FONT></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">or at any other address
of which the Depositary shall have notified the Company in writing.</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">Any and all notices to be
given to any record holder of a Receipt hereunder or under the Receipts shall be in writing and shall be deemed to have been duly
given if personally delivered or sent by mail or facsimile transmission confirmed by letter, addressed to such record holder at
the address of such record holder as it appears on the books of the Depositary, or if such holder shall have timely filed with
the Depositary a written request that notices intended for such holder be delivered, mailed or transmitted to some other address,
at the address designated in such request.</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">Delivery of a notice sent
by mail or by facsimile transmission to any holder of record shall be deemed to be effected at the time when a duly addressed letter
containing the same (or a confirmation thereof in the case of a facsimile transmission) is deposited, postage prepaid, in a post
office letter box.</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">Delivery of a notice by
any record holder of a Receipt to the Company or the Depositary shall be effective upon receipt. The Depositary or the Company
may act upon any electronic mail or facsimile transmission received by it from the other or from any holder of a Receipt, notwithstanding
that such electronic mail or facsimile transmission shall not subsequently be confirmed by letter. Delivery of a notice by the
Company to the Depositary or by the Depositary </P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">to the Company shall be effective, (i) in the case of hand delivery, upon receipt,
(ii) in the case of mail, five business days after deposit, postage prepaid, into a post-office letter box, (iii) in the case of
a recognized next-day courier service, the next business day after delivery to the courier service, (iv) in the case of electronic
mail, the receipt of the electronic mail on a business day during normal business hours, and (v) in the case of facsimile, upon
receipt of a confirmation of delivery on a business day during normal business hours.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 60pt; font-style: italic; font-variant: normal; font-weight: normal; text-align: left; text-indent: 0pt; layout-grid-mode: line"><FONT STYLE="font-weight: normal; font-style: normal; font-variant: normal">Section
    7.5.</FONT></TD>
    <TD STYLE="font-style: italic; font-variant: normal; font-weight: normal; text-align: left; text-indent: 0pt; layout-grid-mode: line">Depositary&rsquo;s
    Agents.</TD></TR>
</TABLE>
<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">The Depositary may from
time to time appoint an agent to act in any respect for the Depositary for the purposes of this Deposit Agreement and may at any
time appoint additional agents and vary or terminate the appointment of such agents. The Depositary will promptly notify the Company
of any such action.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 60pt; font-style: italic; font-variant: normal; font-weight: normal; text-align: left; text-indent: 0pt; layout-grid-mode: line"><FONT STYLE="font-weight: normal; font-style: normal; font-variant: normal">Section
    7.6.</FONT></TD>
    <TD STYLE="font-style: italic; font-variant: normal; font-weight: normal; text-align: left; text-indent: 0pt; layout-grid-mode: line">Appointment
    of Registrar and Transfer Agent in Respect of the Receipts.</TD></TR>
</TABLE>
<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0 0 0 108pt; text-align: justify; text-indent: -72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">The Company hereby appoints
the Depositary as Registrar and transfer agent in respect of the Receipts and the Depositary hereby accepts such appointments.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 60pt; font-style: italic; font-variant: normal; font-weight: normal; text-align: left; text-indent: 0pt; layout-grid-mode: line"><FONT STYLE="font-weight: normal; font-style: normal; font-variant: normal">Section
    7.7.</FONT></TD>
    <TD STYLE="font-style: italic; font-variant: normal; font-weight: normal; text-align: left; text-indent: 0pt; layout-grid-mode: line">Appointment
    of Transfer Agent, Registrar, Dividend Disbursing Agent and Redemption Agent in Respect of the Stock.</TD></TR>
</TABLE>
<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0 0 0 108pt; text-align: justify; text-indent: -72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">The Company hereby appoints
Equiniti Trust Company as transfer agent, registrar, dividend disbursing agent and redemption agent in respect of the Stock, and
Equiniti Trust Company hereby accepts such appointments. With respect to the appointments of Equiniti Trust Company<B> </B>as transfer
agent, registrar, dividend disbursing agent and redemption agent in respect of the Stock, each of the Company and Equiniti Trust
Company, in their respective capacities under such appointments, shall be entitled to the same rights, indemnities, immunities
and benefits as the Company and Depositary hereunder, respectively, as if explicitly named in each such provision.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 60pt; font-style: italic; font-variant: normal; font-weight: normal; text-align: left; text-indent: 0pt; layout-grid-mode: line"><FONT STYLE="font-weight: normal; font-style: normal; font-variant: normal">Section
    7.8.</FONT></TD>
    <TD STYLE="font-style: italic; font-variant: normal; font-weight: normal; text-align: left; text-indent: 0pt; layout-grid-mode: line">Holders
    of Receipts Are Parties.</TD></TR>
</TABLE>
<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0 0 0 108pt; text-align: justify; text-indent: -72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">The holders of Receipts
from time to time shall be parties to this Deposit Agreement and shall be bound by all of the terms and conditions hereof and of
the Receipts by acceptance of delivery thereof.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top; text-align: justify">
    <TD STYLE="width: 36pt">&nbsp;</TD>
<TD STYLE="text-align: left; width: 60pt"><FONT STYLE="font-style: normal">Section </FONT> <FONT STYLE="font-style: normal">7.9.&#9;</FONT></TD>
                                                                                                                                                             <TD STYLE="text-align: justify"><I>Governing
                                         Law.</I></TD>
</TR></TABLE>

<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0 0 0 108pt; text-align: justify; text-indent: -72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">This Deposit Agreement and
the Receipts and all rights hereunder and thereunder and provisions hereof and thereof shall be governed by, and construed in accordance
with, the laws of the State of New York without giving effect to applicable conflicts of law principles.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 60pt; font-style: italic; font-variant: normal; font-weight: normal; text-align: left; text-indent: 0pt; layout-grid-mode: line"><FONT STYLE="font-weight: normal; font-style: normal; font-variant: normal">Section
    7.10.</FONT></TD>
    <TD STYLE="font-style: italic; font-variant: normal; font-weight: normal; text-align: left; text-indent: 0pt; layout-grid-mode: line">Inspection
    of Deposit Agreement.</TD></TR>
</TABLE>
<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0 0 0 108pt; text-align: justify; text-indent: -72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">Copies of this Deposit Agreement
shall be filed with the Depositary and the Depositary&rsquo;s Agents and shall be open to inspection during normal business hours
at the Depositary&rsquo;s Office and the respective offices of the Depositary&rsquo;s Agents, if any, by any holder of a Receipt.</P>

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    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 60pt; font-style: italic; font-variant: normal; font-weight: normal; text-align: left; text-indent: 0pt; layout-grid-mode: line"><FONT STYLE="font-weight: normal; font-style: normal; font-variant: normal">Section
    7.11.</FONT></TD>
    <TD STYLE="font-style: italic; font-variant: normal; font-weight: normal; text-align: left; text-indent: 0pt; layout-grid-mode: line">Headings.</TD></TR>
</TABLE>
<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0 0 0 108pt; text-align: justify; text-indent: -72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">The headings of articles
and sections in this Deposit Agreement and in the form of the Receipt set forth in Exhibit&nbsp;A hereto have been inserted for
convenience only and are not to be regarded as a part of this Deposit Agreement or the Receipts or to have any bearing upon the
meaning or interpretation of any provision contained herein or in the Receipts.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 60pt; text-align: left; text-indent: 0pt">Section 7.12.&nbsp;</TD>
    <TD STYLE="text-align: left; text-indent: 0pt">&nbsp;<I>Force Majeure</I>.</TD></TR>
</TABLE>
<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">Notwithstanding anything
to the contrary contained herein, neither the Depositary nor the Company shall be liable for any delays or failures in performance
resulting from acts beyond its reasonable control including, without limitation, acts of God, pandemics, terrorist acts, labor
difficulties, war, or civil unrest.</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">IN WITNESS WHEREOF, the
Company and the Depositary have duly executed this Deposit Agreement as of the day and year first above set forth, and all holders
of Receipts shall become parties hereto by and upon acceptance by them of delivery of Receipts issued in accordance with the terms
hereof.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&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 STYLE="width: 30%">&nbsp;</TD>
    <TD STYLE="width: 2%"><FONT STYLE="font-size: 10pt">By:&nbsp;</FONT></TD>
    <TD STYLE="width: 24%; border-bottom: Black 1px solid; text-align: left; padding-left: 18pt"><FONT STYLE="font-size: 10pt">/s/ Dane Smith</FONT></TD>
    <TD STYLE="width: 44%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">Name: Dane Smith</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">Title: SVP, Corporate Treasurer</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt">EQUINITI TRUST COMPANY</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 30%">&nbsp;</TD>
    <TD STYLE="width: 2%"><FONT STYLE="font-size: 10pt">By:&nbsp;</FONT></TD>
    <TD STYLE="width: 24%; border-bottom: Black 1px solid; text-align: left; padding-left: 18pt"><FONT STYLE="font-size: 10pt">/s/ Martin J. Knapp</FONT></TD>
    <TD STYLE="width: 44%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">Name: Martin J. Knapp</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">Title: Vice President</FONT></TD></TR>
</TABLE>


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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">Unless this receipt is presented by an authorized
representative of The Depository Trust Company, a New York corporation (&ldquo;<U>DTC</U>&rdquo;), to First Horizon National Corporation
or its agent for registration of transfer, exchange, or payment, and any certificate issued is registered in the name of Cede&nbsp;&amp;
Co. or in such other name as is 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: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">Any purchaser of the Depositary Shares (as
defined below) or any interest therein represents by its purchase of the Depositary Shares that either (1) it is not (A) a pension,
profit-sharing or other employee benefit plan subject to the U.S. Employee Retirement Income Security Act of 1974, as amended (&ldquo;ERISA&rdquo;)
or an individual retirement account, Keogh plan or any other plan subject to Section 4975 of the Internal Revenue Code of 1986,
as amended (the &ldquo;Code&rdquo;), (B) an employee benefit plan that is a governmental plan (as defined in Section 3(32) of ERISA),
a church plan (as defined in Section 3(33) of ERISA) or a non-U.S. plan (as described in Section 4(b)(4) of ERISA) that is not
subject to the requirements of ERISA or the Code but is subject to similar provisions under applicable federal, state, local, non-U.S
or other laws (&ldquo;Similar Laws&rdquo;) or (C) an entity whose underlying assets include &ldquo;plan assets&rdquo; by reason
of any such plan&rsquo;s investment in the entity or (2) the purchase of the Depositary Shares will not constitute a non-exempt
prohibited transaction under Section 406 of ERISA, Section 4975 of the Code or under any applicable Similar Laws.</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">DEPOSITARY RECEIPT FOR DEPOSITARY SHARES,
EACH<BR>
REPRESENTING 1/4,000<SUP>TH</SUP> OF ONE SHARE OF<BR>
NON-CUMULATIVE PERPETUAL PREFERRED STOCK, SERIES&nbsp;E,</P>

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

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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">INCORPORATED UNDER THE LAWS OF THE STATE
OF TENNESSEE</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">CUSIP<BR>
SEE REVERSE FOR CERTAIN DEFINITIONS</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">Equiniti Trust Company,
as Depositary (the &ldquo;Depositary&rdquo;), hereby certifies that Cede&nbsp;&amp; Co. is the registered owner of DEPOSITARY SHARES
(&ldquo;Depositary Shares&rdquo;), each Depositary Share representing 1/4,000<SUP>th</SUP> of one share of Non-Cumulative Perpetual
Preferred Stock, Series&nbsp;E, liquidation preference $100,000 per share (the &ldquo;<I>Stock</I>&rdquo;), of First Horizon National
Corporation, a Tennessee corporation (the &ldquo;<I>Corporation</I>&rdquo;), on deposit with the Depositary, subject to the terms
and entitled to the benefits of the Deposit Agreement dated as of May 28, 2020 (the &ldquo;<I>Deposit Agreement</I>&rdquo;), among
the Corporation, the Depositary and the holders from time to time of the Depositary Receipts. By accepting this Depositary Receipt,
the holder hereof becomes a party to and agrees to be bound by all the terms and conditions of the Deposit Agreement. This Depositary
Receipt shall not be valid or obligatory for any purpose or entitled to any benefits under the Deposit Agreement unless it shall
have been executed by the Depositary by the manual or electronic signature of a duly authorized officer.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 3%">Dated:&nbsp;</TD>
    <TD STYLE="width: 15%; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="width: 82%">, 2020</TD></TR>
</TABLE>

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


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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 2%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">By:&nbsp;</FONT></TD>
    <TD STYLE="width: 23%; font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="width: 75%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">Authorized Officer</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD></TR>
</TABLE>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">FIRST HORIZON NATIONAL
CORPORATION WILL FURNISH WITHOUT CHARGE TO EACH RECEIPTHOLDER WHO SO REQUESTS A COPY OF THE DEPOSIT AGREEMENT AND A COPY OR SUMMARY
OF THE ARTICLES OF AMENDMENT OF THE NON-CUMULATIVE PERPETUAL PREFERRED STOCK, SERIES&nbsp;E, OF FIRST HORIZON NATIONAL CORPORATION.
ANY SUCH REQUEST IS TO BE ADDRESSED TO THE DEPOSITARY NAMED ON THE FACE OF THIS RECEIPT.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">The Corporation will
furnish in writing and without charge to each receiptholder who so requests the powers, designations, preferences and relative,
participating, optional or other special rights of each class of stock or series thereof of the Corporation, and the qualifications,
limitations or restrictions of such preferences and/or rights. Such request may be made to the Corporation or to the transfer agent
for the Stock.</P>

<P STYLE="font: 10pt 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: center">EXPLANATION OF ABBREVIATIONS</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">The following abbreviations
when used in the form of ownership on the face of this certificate shall be construed as though they were written out in full according
to applicable laws or regulations:</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; font: 10pt Times New Roman, Times, Serif">TEN COM-</TD>
    <TD COLSPAN="4" STYLE="padding: 0; font: 10pt Times New Roman, Times, Serif">as tenants in common</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding: 0; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; font: 10pt Times New Roman, Times, Serif">TEN ENT-</TD>
    <TD COLSPAN="4" STYLE="padding: 0; font: 10pt Times New Roman, Times, Serif">as tenants by the entireties</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding: 0; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; font: 10pt Times New Roman, Times, Serif">JT TEN-</TD>
    <TD COLSPAN="4" STYLE="padding: 0; font: 10pt Times New Roman, Times, Serif">as joint tenants with right of survivorship and not as tenants in common</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding: 0; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; width: 25%; font: 10pt Times New Roman, Times, Serif">UNIF GIFT MIN ACT-</TD>
    <TD STYLE="padding: 0; width: 13%; border-bottom: Black 1px solid; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 5%; font: 10pt Times New Roman, Times, Serif">Custodian</TD>
    <TD STYLE="padding: 0; width: 13%; border-bottom: Black 1px solid; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 44%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="padding: 0; font: 10pt Times New Roman, Times, Serif">(Minor)</TD>
    <TD STYLE="padding: 0; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="padding: 0; font: 10pt Times New Roman, Times, Serif">(Cus)</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding: 0; font: 10pt Times New Roman, Times, Serif">under Uniform Gifts to Minors Act</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="padding: 0; border-bottom: Black 1px solid; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="padding: 0; border-bottom: Black 1px solid; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="padding: 0; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="padding: 0; font: 10pt Times New Roman, Times, Serif">(State)</TD>
    <TD STYLE="padding: 0; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="padding: 0; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Additional abbreviations may also be used
though not in the above list.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">For value received,
_______________________ hereby sell(s), assign(s) and transfer(s) unto</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">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><font style="border-top:1px solid black">PLEASE INSERT SOCIAL SECURITY OR OTHER IDENTIFYING NUMBER OF ASSIGNEE</font></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS
INCLUDING POSTAL ZIP CODE OF ASSIGNEE</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Depositary Shares represented by the within
Receipt, and do(es) hereby irrevocably constitute and appoint __________________________________________________ Attorney to transfer
the said Depositary Shares on the books of the within named Depositary with full power of substitution in the premises.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&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%; text-align: left"><FONT STYLE="font-size: 10pt">Dated:&nbsp;</FONT></TD>
    <TD STYLE="width: 30%; text-align: left; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="width: 40%">&nbsp;</TD>
    <TD STYLE="width: 27%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">NOTICE: The signature to the assignment must correspond with the name as written upon the face of this Receipt in every particular, without alteration or enlargement or any change whatsoever.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">NOTICE: The signature(s) should be guaranteed
by an eligible guarantor institution (banks, stockbrokers, savings and loan associations, and credit unions with membership in
an approved signature guarantee medallion program), pursuant to Rule&nbsp;17Ad&#45;15 under the Securities Exchange Act of 1934.</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: right"><B>Exhibit 4.2</B></P>

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify">THE SECURITIES REPRESENTED BY THIS INSTRUMENT
ARE NOT SAVINGS ACCOUNTS, DEPOSITS OR OTHER OBLIGATIONS OF A BANK AND ARE NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION
OR ANY OTHER GOVERNMENTAL AGENCY.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify">THE SECURITIES ARE SUBJECT TO THE TERMS AND
CONDITIONS OF A DEPOSIT AGREEMENT, DATED AS OF MAY 28, 2020 (THE &ldquo;DEPOSIT AGREEMENT&rdquo;), AMONG THE CORPORATION, EQUINITI
TRUST COMPANY AS DEPOSITARY, AND THE HOLDERS FROM TIME TO TIME OF DEPOSITARY RECEIPTS DESCRIBED THEREIN. NO TRANSFER, PLEDGE, HYPOTHECATION
OR OTHER DISPOSITION OF THE SECURITIES MAY OCCUR UNLESS PERMITTED BY THE DEPOSIT AGREEMENT.</P>

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center">Incorporated Under the Laws of the State of
Tennessee</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 120pt; font: 12pt Times New Roman, Times, Serif; padding-left: 18pt">SHARES</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: right">NON-CUMULATIVE PERPETUAL PREFERRED STOCK, SERIES E</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">This is to certify that
Equiniti Trust Company, as Depositary under the Deposit Agreement, is the registered owner of fully paid and non-assessable shares
of the Non-Cumulative Perpetual Preferred Stock, Series E, without par value but having a liquidation preference of $100,000 per
share, of First Horizon National Corporation, a Tennessee corporation (the &ldquo;<U>Corporation</U>&rdquo;), the terms of which
are provided for in the Corporation&rsquo;s Restated Charter including the Articles of Amendment of the Non-Cumulative Perpetual
Preferred Stock, Series E, transferable on the books of the Corporation by the holder hereof in person or by its duly authorized
attorney, upon surrender of this Certificate properly endorsed. This Certificate and the shares represented hereby are issued and
shall be held subject to all of the provisions of the Restated Charter and the By-laws of the Corporation and any amendments thereto.
This Certificate is not valid unless countersigned and registered by the Transfer Agent and Registrar for the Series E Preferred
Stock.</P>


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">IN WITNESS WHEREOF, the
Corporation has caused this Certificate to be executed on its behalf by its duly authorized officers.</P>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&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 STYLE="width: 3%">By:&nbsp;</TD>
    <TD STYLE="width: 42%; padding-bottom: 1pt; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="width: 10%">&nbsp;</TD>
    <TD STYLE="width: 3%">By:&nbsp;</TD>
    <TD STYLE="width: 42%; padding-bottom: 1pt; border-bottom: Black 1px solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">
        <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">Name:&nbsp;D. Bryan Jordan</P>
        <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">Title:&nbsp;&nbsp;&nbsp;Chairman of the Board, President and Chief Executive Officer</P></TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">
        <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">Name: Dane P. Smith</P>
        <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">Title:&nbsp;&nbsp;&nbsp;Senior Vice President and Corporate Treasurer</P>
        <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 12pt Times New Roman, Times, Serif; width: 50%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 100%">Countersigned and Registered:</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Equiniti Trust Company, as Transfer Agent and Registrar</TD></TR>
</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 12pt Times New Roman, Times, Serif; width: 50%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 97%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>By:&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid">&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>
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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center">(REVERSE OF CERTIFICATE)</P>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">THE CORPORATION WILL FURNISH IN WRITING AND WITHOUT
CHARGE TO EACH STOCKHOLDER WHO SO REQUESTS THE DEPOSIT AGREEMENT AND THE POWERS, DESIGNATIONS, PREFERENCES AND RELATIVE PARTICIPATING,
OPTIONAL OR SPECIAL RIGHTS OF EACH CLASS OF STOCK OR SERIES THEREOF OF THE CORPORATION AND THE QUALIFICATIONS, LIMITATIONS OR RESTRICTIONS
OF SUCH PREFERENCES AND/OR RIGHTS. SUCH REQUEST SHOULD BE ADDRESSED TO THE CORPORATION OR THE TRANSFER AGENT.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">The following abbreviations, when used in the
inscription on the face of this Certificate, shall be construed as though they were written out in full according to applicable
laws or regulations:</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">TEN COM - as tenants in common</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">TEN ENT - as tenants by the entireties</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">JT TEN - as joint tenants with right of survivorship and not as
tenants in common</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="width: 15%">UNIF GIFT MIN ACT -&nbsp;</TD>
    <TD NOWRAP STYLE="width: 20%; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD NOWRAP STYLE="width: 30pt">Custodian&nbsp;</TD>
    <TD NOWRAP STYLE="width: 20%; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD NOWRAP>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">(Custodian)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">(Minor)</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP>&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP>under Uniform Gifts to Minors Act&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1px solid">&nbsp;</TD>
    <TD NOWRAP>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">(State)</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">Additional abbreviations may also be used though not in the above
list.</P>


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">FOR VALUE RECEIVED, _________________ hereby sell(s), assign(s)
and transfer(s) unto</P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0; border-bottom: Black 1px solid">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0 0">(PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS, INCLUDING ZIP CODE,
OF ASSIGNEE)</P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0; border-bottom: Black 1px solid">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0 0">(PLEASE INSERT SOCIAL SECURITY OR OTHER IDENTIFYING NUMBER OF ASSIGNEE)</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">_________________________ (_______________) shares represented by
this Certificate and do(es) hereby irrevocably constitute and appoint _____________________, Attorney to transfer the said shares
on the books of the Corporation, with full power of substitution in the premises.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&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 STYLE="width: 50%">Dated: ____________________, _________</TD>
    <TD STYLE="width: 10%">&nbsp;</TD>
    <TD STYLE="width: 40%; border-bottom: black 1px solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 9pt; text-align: justify; padding-right: 3pt; padding-left: 3pt"><FONT STYLE="font-size: 10pt">NOTICE: The signature to this assignment must correspond with the name as written upon the face of the Certificate in every particular, without alteration or enlargement or any change whatever</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">Signature(s) Guaranteed:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The signature(s) should be guaranteed by a
participant in a Medallion Signature Guarantee Program at a guarantee level acceptable to the Corporation&rsquo;s Transfer Agent.</P>
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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: right"><B>Exhibit 5.1</B></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 65%; text-align: left">&nbsp;</TD><TD STYLE="text-align: justify; width: 35%">May 28, 2020</TD>
</TR></TABLE>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">First Horizon National Corporation</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 36pt">165 Madison Avenue</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 72pt">Memphis, Tennessee 38103.</P>

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">In connection with the registration under the
Securities Act of 1933 (the &ldquo;Act&rdquo;) of 6,000,000 depositary shares (the &ldquo;Depositary Shares&rdquo;), each representing
a 1/4,000th interest in a share of the Non-Cumulative Perpetual Preferred Stock, Series E, liquidation preference of $100,000 per
share (the &ldquo;Preferred Stock&rdquo;), of First Horizon National Corporation (the &ldquo;Company&rdquo;), and evidenced by
depositary receipts (the &ldquo;Depositary Receipts&rdquo;) issued pursuant to the Deposit Agreement, dated as of May 28, 2020
(the &ldquo;Deposit Agreement&rdquo;), among the Company, Equiniti Trust Company, as depositary (the &ldquo;Depositary&rdquo;),
and the holders from time to time of the Depositary Receipts, 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: 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(1)&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: 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The shares of Preferred Stock represented
by the Depositary Shares have been validly issued and are fully paid and non-assessable.</P>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 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, and I have
assumed that the certificates for the Preferred Stock conform to the specimen thereof examined by me (or counsel acting under my
supervision) and have been duly countersigned by a transfer agent and duly registered by a registrar of the Preferred Stock 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>


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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 252pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 58%">&nbsp;</TD>
    <TD STYLE="width: 42%; padding-right: 10pt">Very truly yours,</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 10pt">/s/ Charles T. Tuggle, Jr</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 10pt">Charles T. Tuggle, Jr.</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 10pt"><I>Executive Vice President and General Counsel, First Horizon National Corporation</I></TD></TR>
</TABLE>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: right"><B>Exhibit 5.2</B></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 65%; text-align: left"></TD><TD STYLE="text-align: justify; width: 35%">May 28, 2020</TD>
</TR></TABLE>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">First Horizon National Corporation</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 36pt">165 Madison Avenue</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 72pt">Memphis, Tennessee 38103.</P>

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">In connection with the registration under the
Securities Act of 1933 (the &ldquo;Act&rdquo;) of 6,000,000 depositary shares (the &ldquo;Depositary Shares&rdquo;), each representing
a 1/4,000th interest in a share of the Non-Cumulative Perpetual Preferred Stock, Series E, liquidation preference of $100,000 per
share (the &ldquo;Preferred Stock&rdquo;), of First Horizon National Corporation (the &ldquo;Company&rdquo;), and evidenced by
depositary receipts (the &ldquo;Depositary Receipts&rdquo;) issued pursuant to the Deposit Agreement, dated as of May 28, 2020
(the &ldquo;Deposit Agreement&rdquo;), among the Company, Equinity Trust Company, as depositary (the &ldquo;Depositary&rdquo;),
and the holders from time to time of the Depositary Receipts, we, as your counsel, 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.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">Upon the basis of such examination, we advise
you that, in our opinion, upon due issuance by the Depositary of the Depositary Receipts evidencing the Depositary Shares against
the deposit of the Preferred Stock in accordance with the provisions of the Deposit Agreement and payment therefor in accordance
with the Underwriting Agreement, dated May 20, 2020, between the Company and the several Underwriters named therein, the Depositary
Receipts will entitle the persons in whose names the Depositary Receipts are registered to the rights specified therein and in
the Deposit Agreement, 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: 0; text-indent: 0.5in">&nbsp;</P>

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


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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 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 Deposit Agreement has been duly authorized, executed and delivered by the Depositary, that the certificate
evidencing the Preferred Stock has been deposited with the Depositary in accordance with the Deposit Agreement, that the certificates
evidencing the Preferred Stock and the Depositary Receipts conform to the specimens thereof examined by us, that the Depositary
Receipts have been duly executed and delivered by one of the Depositary&rsquo;s authorized officers, that the certificate for the
Preferred Stock has been duly countersigned and registered by a registrar and transfer agent of the Preferred Stock, 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: 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 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 Act.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 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 STYLE="vertical-align: bottom">
    <TD STYLE="width: 70%">&nbsp;</TD>
    <TD STYLE="width: 30%">Very truly yours,</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>/s/ Sullivan&nbsp;&amp; Cromwell LLP</TD></TR>
</TABLE>

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<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>10
<FILENAME>fhn-20200521_lab.xml
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII"?>
<!-- Generated by CompSci Transform (tm) - http://www.compsciresources.com -->
<!-- Created: Wed May 27 20:02:55 EDT 2020 -->
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_Security12bTitle_lbl" xml:lang="en-US">Title of 12(b) Security</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_SecurityExchangeName_lbl" xml:lang="en-US">Security Exchange Name</label>
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<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>11
<FILENAME>fhn-20200521_pre.xml
<TEXT>
<XBRL>
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<DOCUMENT>
<TYPE>EXCEL
<SEQUENCE>12
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<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 21, 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_CurrentFiscalYearEndDate', window );">Current Fiscal Year End Date</a></td>
<td class="text">--12-31<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_AmendmentFlag', window );">Amendment Flag</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_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000036966<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_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">May 21,  2020<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_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</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_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</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_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">001-15185<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_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">62-0803242<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_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">165 Madison Avenue<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_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Memphis<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_EntityAddressStateOrProvince', window );">Entity Address, State or Province</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_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">38103<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_CityAreaCode', window );">City Area Code</a></td>
<td class="text">901<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_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">523-4444<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_WrittenCommunications', window );">Written Communications</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_SolicitingMaterial', window );">Soliciting Material</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_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</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_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="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<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">$0.625 Par Value Common Capital Stock<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_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="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 PR A<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">Depositary Shares, each representing a 1/4,000th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series 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_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<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 XBRL content amends previously-filed or accepted submission.</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_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><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<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_CityAreaCode">
<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>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>
</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>
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<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_CurrentFiscalYearEndDate">
<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>End date of current fiscal year in the format --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_CurrentFiscalYearEndDate</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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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:gMonthDayItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
</div></td></tr>
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<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>
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<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>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
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<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
</div></td></tr>
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<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>
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<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>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</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_Security12bTitle">
<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>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>
<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_Security12bTitle</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:securityTitleItemType</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_SecurityExchangeName">
<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 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>
<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_SecurityExchangeName</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:edgarExchangeCodeItemType</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_SolicitingMaterial">
<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 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>
<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_SolicitingMaterial</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_TradingSymbol">
<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>Trading symbol of an instrument as listed on an exchange.</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_TradingSymbol</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:tradingSymbolItemType</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_WrittenCommunications">
<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 written communications pursuant to Rule 425 under the Securities 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 Securities Act<br> -Number 230<br> -Section 425<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_WrittenCommunications</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_us-gaap_StatementClassOfStockAxis=us-gaap_CommonClassAMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_CommonClassAMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesAPreferredStockMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_SeriesAPreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>ZIP
<SEQUENCE>17
<FILENAME>0000930413-20-001502-xbrl.zip
<DESCRIPTION>IDEA: XBRL DOCUMENT
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