<SEC-DOCUMENT>0000930413-20-001742.txt : 20200702
<SEC-HEADER>0000930413-20-001742.hdr.sgml : 20200702
<ACCEPTANCE-DATETIME>20200702064138
ACCESSION NUMBER:		0000930413-20-001742
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		23
CONFORMED PERIOD OF REPORT:	20200629
ITEM INFORMATION:		Completion of Acquisition or Disposition of Assets
ITEM INFORMATION:		Material Modifications to Rights of Security Holders
ITEM INFORMATION:		Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers
ITEM INFORMATION:		Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year
ITEM INFORMATION:		Regulation FD Disclosure
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20200702
DATE AS OF CHANGE:		20200702

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:		201007135

	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 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Washington, D.C. 20549</p>

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<p style="font: bold 12pt Times New Roman, Times, Serif; margin: 3pt 0 0; text-align: center">CURRENT REPORT</p>

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<p style="font: bold 12pt Times New Roman, Times, Serif; margin: 0; text-align: center">Pursuant to Section 13 or 15(d) of the<br/>
Securities Exchange Act of 1934</p>

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<p style="font: bold 8pt Times New Roman, Times, Serif; margin: 0; text-align: center">&#160;</p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">Indicate by check mark whether the registrant is an emerging growth
company as defined in Rule 405 of the Securities Act of 1933 (&#xa7;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange
Act of 1934 (&#xa7;240.12b-2 of this chapter).</p>

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

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">If an emerging growth company, indicate by check mark if the registrant
has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided
pursuant to Section 13(a) of the Exchange Act. <span>&#9744;</span></p>

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

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 21.6pt; text-indent: -21.6pt"></p>




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<td style="width: 54pt; text-align: left">Item 2.01.</td><td style="text-align: left">Completion of Acquisition or Disposition of Assets.</td>
</tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">Effective July 1, 2020, First Horizon National Corporation (&#8220;First
Horizon&#8221;) completed its previously announced merger of equals (the &#8220;Merger&#8221;) with IBERIABANK Corporation (&#8220;IBKC&#8221;)
pursuant to an Agreement and Plan of Merger, dated as of November 3, 2019 (the &#8220;Merger Agreement&#8221;). At the closing,
IBKC merged with and into First Horizon, with First Horizon surviving the Merger.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">Following the Merger, IBERIABANK, a subsidiary of IBKC, merged with
and into First Horizon Bank, a subsidiary of First Horizon (the &#8220;Bank Merger&#8221;), with First Horizon Bank surviving the
Bank Merger.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">Under the terms of the Merger Agreement, at the effective time of
the Merger (the &#8220;Effective Time&#8221;), each share of common stock, par value $1.00 per share, of IBKC (&#8220;IBKC Common
Stock&#8221;) outstanding as of immediately prior to the Effective Time, other than certain shares held by IBKC or First Horizon,
was converted into the right to receive 4.584 shares of common stock (the &#8220;Exchange Ratio&#8221;), par value $0.625 per share,
of First Horizon (&#8220;First Horizon Common Stock&#8221;), plus, if applicable, cash in lieu of fractional shares of First Horizon
Common Stock.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">At the Effective Time, each outstanding share of 6.625% fixed-to-floating
non-cumulative perpetual preferred stock, Series B, par value $1.00 per share, of IBKC (&#8220;IBKC Series B Preferred Stock&#8221;),
6.60% fixed-to-floating non-cumulative perpetual preferred stock, Series C, par value $1.00 per share, of IBKC (&#8220;IBKC Series
C Preferred Stock&#8221;) and 6.100% fixed-to-floating non-cumulative perpetual preferred stock, Series D, par value $1.00 per
share, of IBKC (&#8220;IBKC Series D Preferred Stock,&#8221; and together with the IBKC Series B Preferred Stock and IBKC Series
C Preferred Stock, the &#8220;IBKC Preferred Stock&#8221;), was converted into the right to receive one share of an applicable
newly issued series of First Horizon preferred stock, no par value, with terms that are the same as the terms of the applicable
series of outstanding IBKC Preferred Stock (respectively, &#8220;First Horizon Series B Preferred Stock,&#8221; &#8220;First Horizon
Series C Preferred Stock&#8221; and &#8220;First Horizon Series D Preferred Stock,&#8221; and collectively, the &#8220;New First
Horizon Preferred Stock&#8221;). In addition, at the Effective Time, each outstanding IBKC depositary share representing a 1/400th
interest in a share of the applicable series of IBKC Preferred Stock (other than in respect of dissenting shares of IBKC Preferred
Stock) was converted into a First Horizon depositary share representing a 1/400th interest in a share of the applicable series
of New First Horizon Preferred Stock.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">Pursuant to the terms of the Merger Agreement, at the Effective
Time: (1) except as set forth in clause (2), each IBKC equity award granted under IBKC&#8217;s equity compensation plans that was
outstanding immediately prior to the Effective time accelerated in full and converted into shares of First Horizon Common Stock
other than (i) IBKC stock options, which automatically converted into stock options with respect to First Horizon Common Stock
and (ii) IBKC equity awards that could be settled only in cash, in each case, after giving effect to the Exchange Ratio and appropriate
adjustments to reflect the consummation of the Merger and the terms and conditions applicable to such awards prior to the Effective
Time; and (2) each IBKC equity award granted on or after November 3, 2019 and not in violation of the merger agreement that expressly
provides for treatment in connection with the occurrence of the effective time that is different from the treatment prescribed
in the Merger Agreement as set forth in clause (1) above, or as mutually agreed by the parties and a holder of any IBKC equity
award, was converted into an equity award denominated in shares of First Horizon Common Stock, with the number of shares (and,
in the case of stock options, the applicable exercise price) adjusted based on the Exchange Ratio.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">The foregoing description of the Merger and the Merger Agreement
does not purport to be complete and is qualified in its entirety by reference to the full text of the Merger Agreement, which is
filed as Exhibit 2.1 to this Current Report on Form 8-K (this &#8220;Current Report&#8221;) and is incorporated herein by reference.</p>


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<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top; text-align: justify">
<td style="text-align: left; width: 54pt"><b>Item 3.03.</b> </td><td style="text-align: left"><b>Material Modifications to Rights of Security Holders.</b></td>
</tr></table>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">On June 30, 2020, in connection with the consummation of the Merger,
First Horizon filed two articles of amendment with the Tennessee Secretary of State for the purpose of amending its restated charter
to (1) increase the total number of authorized First Horizon Common Stock from 400,000,000 to 700,000,000 and (2) fix the designations,
preferences, limitations and relative rights of each series of the New First Horizon Preferred Stock.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">The description of the New First Horizon Preferred Stock under the
section of the joint proxy statement/prospectus filed by First Horizon with the Securities and Exchange Commission (the &#8220;Commission&#8221;)
on March 19, 2020 (the &#8220;Joint Proxy Statement/Prospectus&#8221;) entitled &#8220;Description of Rollover First Horizon Preferred
Stock&#8221; is incorporated herein by reference.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">In connection with the issuance of the New First Horizon Preferred
Stock, First Horizon entered into three deposit agreements (each, a &#8220;Deposit Agreement&#8221;), each dated as of July 1,
2020, by and among First Horizon, Equiniti Trust Company, as depository, and the holders from time to time of the depositary receipts
described therein. Pursuant to the Deposit Agreements, at the Effective Time, First Horizon issued 3,200,000 depositary shares,
each representing a 1/400th interest in a share of First Horizon Series B Preferred Stock, 2,300,000 depositary shares, each representing
a 1/400th interest in a share of First Horizon Series C Preferred Stock and 4,000,000 depositary shares, each representing a 1/400th
interest in a share of First Horizon Series D Preferred Stock (collectively, the &#8220;Depositary Shares&#8221;).</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">The foregoing description of the terms of the New First Horizon
Preferred Stock and the Depositary Shares is qualified in its entirety by reference to the full text of the articles of amendment,
which is filed as Exhibit 3.2 to this Current Report and incorporated by reference herein, and the Deposit Agreements, which are
filed as Exhibits 4.1-4.3 to this Current Report.</p>

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

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top; text-align: justify">
<td style="width: 54pt; text-align: left"><b>Item 5.02.</b></td><td style="text-align: left"><b>Departure of Directors or Certain Officers&#894; Election of Directors&#894;
Appointment of Certain Officers&#894; Compensatory Arrangements of Certain Officers.</b></td>
</tr></table>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0"><b><i>Executive Officers</i></b></p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0"><i>Executive Chairman of the Board.</i> At the Effective Time, pursuant
to the terms of the Merger Agreement, Daryl G. Byrd, the former Chief Executive Officer of IBKC, was appointed as the Executive
Chairman of the Board of Directors of First Horizon and of First Horizon Bank. As previously described in the Joint Proxy Statement/Prospectus,
Mr. Byrd has entered into a letter agreement with First Horizon setting forth the terms of his employment with First Horizon following
the consummation of the Merger. For a description of Mr. Byrd&#8217;s letter agreement and additional information about the arrangements
and transactions with respect to Mr. Byrd, see the section in the Joint Proxy Statement/Prospectus entitled &#8220;The Merger&#8212;Interests
of Certain IBKC Directors and Executive Officers in the Merger.&#8221; Such description is incorporated by reference into this
Current Report.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0"><i>Principal Operating Officer</i>. Effective upon the consummation
of the Merger, Anthony J. Restel, who was the Chief Financial Officer of IBKC and IBERIABANK immediately prior to the consummation
of the Merger, was appointed as the Chief Operating Officer of First Horizon and First Horizon Bank. On November 3, 2019, IBKC
and IBERIABANK entered into a retention agreement (the &#8220;Retention Agreement&#8221;) with Mr. Restel. As successors to IBKC
and IBERIABANK by merger, First Horizon and First Horizon Bank are required to undertake all obligations, and receive all benefits,
of IBKC and IBERIABANK, respectively, under the Retention Agreement. The Retention Agreement provides for the grant of a closing
incentive award in the form of a restricted stock award (an &#8220;NEO Closing Incentive Award&#8221;) in recognition of Mr. Restel&#8217;s
new role at First Horizon and First Horizon Bank and any corresponding change in his duties and responsibilities, which award was
granted on November 18, 2019. As of the Effective Time, Mr. Restel&#8217;s NEO Closing Incentive Award, consists of 80,829 First
Horizon</p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0"> restricted shares, and will vest in full on July 1, 2021 or, if earlier, upon any termination of employment other than
a termination by First Horizon or First Horizon Bank for Just Cause or Mr. Restel&#8217;s resignation without Good Reason (each
as defined in the Retention Agreement). Mr. Restel&#8217;s NEO Closing Incentive Award will be subject to repayment and recovery
in full if he materially violates restrictive covenants in the Retention Agreement (as described below). To incentivize Mr. Restel
to remain employed with First Horizon and First Horizon Bank following the closing of the Merger, the Retention Agreement also
provides that IBKC will guarantee a future payment to him equal to the amount of potential severance payments outlined in his preexisting
change in control severance agreement with IBKC (&#8220;CIC Severance Agreement&#8221;) that he would otherwise have become entitled
to in connection with the closing of the Merger. These severance payments will be paid upon Mr. Restel&#8217;s future &#8220;separation
from service&#8221; (as contemplated by Section 409A of the Internal Revenue Code of 1986, as amended) from First Horizon and First
Horizon Bank. Prior to the closing of the Merger, the compensation committee of the board of directors of IBKC calculated the amount
of severance to be paid as if Mr. Restel had resigned immediately following the closing of the Merger. First Horizon is required
to credit that gross amount, less any required withholding, within 10 business days following the closing of the Merger, as a deferred
compensation balance and such amount will be funded and maintained in a rabbi trust. Mr. Restel&#8217;s calculated gross amount
was $5,766,017. Mr. Restel will also be entitled to the continuation of the medical and life benefits set forth in his CIC Severance
Agreement upon a termination for any reason other than a termination by First Horizon or First Horizon Bank for Just Cause during
the Protected Period (as defined in the CIC Severance Agreements). Under his Retention Agreement, Mr. Restel agreed to be bound
by certain restrictive covenants, including non-competition and non-solicitation covenants, for the one-year period following the
closing date of the Merger. He is also subject to indefinite non-disparagement and confidentiality covenants. The foregoing description
of the Retention Agreement does not purport to be complete and is qualified in its entirety by reference to the full text of the
Retention Agreement, the form of which is filed as Exhibit 10.1 to this Current Report, and is incorporated herein by reference.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0"><i>First Horizon Executive Compensation Programs. </i>Mr. Byrd and
Mr. Restel will be eligible to participate in all of First Horizon&#8217;s executive-level compensatory programs. Additional information
concerning First Horizon&#8217;s compensatory plans and programs for executive officers is provided in the following previously
filed material, which is incorporated into this Item 5.02 by reference: the sections of First Horizon&#8217;s proxy statement for
the 2020 annual meeting of shareholders (the &#8220;2020 Annual Proxy Statement&#8221;) captioned &#8220;Compensation Discussion
and Analysis,&#8221; &#8220;Recent Compensation,&#8221; and &#8220;Post-Employment Compensation&#8221;; and a description of other
compensation and benefit arrangements for executive officers, filed as Exhibit 10.8(g) to First Horizon&#8217;s Annual Report on
Form 10-K for the year ended December 31, 2019.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0"><i>Biographical&#160;&amp; Other Information</i>. Biographical and
other information related to Messrs. Byrd and Restel is provided in Exhibit 99.1 to this Current Report, which information is incorporated
herein by reference. There are no transactions in which Mr. Byrd or Mr. Restel has an interest requiring disclosure under Item
404(a) of Regulation S-K.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0"><i>First Horizon Executive Officers after the Merger</i>. Starting
at the Effective Time, the executive officers of First Horizon are as follows:</p>

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

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<tr style="vertical-align: top; background-color: #C1E4F7">
    <td style="width: 35%; border-top: Black 3px double; border-right: Black 1px solid; border-bottom: Black 3px double; border-left: Black 3px double; padding: 2pt 5pt; text-align: center"><b>Name</b></td>
    <td style="width: 65%; border-top: Black 3px double; border-right: Black 3px double; border-bottom: Black 3px double; padding: 2pt 5pt; text-align: center"><b>Executive Position</b></td></tr>
<tr>
    <td style="border-right: Black 1px solid; border-bottom: Black 1px solid; border-left: Black 3px double; padding: 2pt 5pt; text-align: center">Daryl G. Byrd</td>
    <td style="border-right: Black 3px double; border-bottom: Black 1px solid; padding: 2pt 5pt; text-align: center">Executive Chairman of the Board</td></tr>
<tr style="background-color: #F2F2F2">
    <td style="border-right: Black 1px solid; border-bottom: Black 1px solid; border-left: Black 3px double; padding: 2pt 5pt; text-align: center">D. Bryan Jordan</td>
    <td style="border-right: Black 3px double; border-bottom: Black 1px solid; padding: 2pt 5pt; text-align: center">Chief Executive Officer</td></tr>
<tr>
    <td style="border-right: Black 1px solid; border-bottom: Black 1px solid; border-left: Black 3px double; padding: 2pt 5pt; text-align: center">William C. Losch III</td>
    <td style="border-right: Black 3px double; border-bottom: Black 1px solid; padding: 2pt 5pt; text-align: center">Chief Financial Officer</td></tr>
<tr style="background-color: #F2F2F2">
    <td style="border-right: Black 1px solid; border-bottom: Black 1px solid; border-left: Black 3px double; padding: 2pt 5pt; text-align: center">Michael J. Brown</td>
    <td style="border-right: Black 3px double; border-bottom: Black 1px solid; padding: 2pt 5pt; text-align: center">President&#8212;Regional Banking</td></tr>
</table>

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<tr style="vertical-align: top; background-color: #C1E4F7">
    <td style="border-top: Black 3px double; border-right: Black 1px solid; border-bottom: Black 3px double; border-left: Black 3px double; padding: 2pt 5pt; text-align: center; width: 35%"><b>Name</b></td>
    <td style="border-top: Black 3px double; border-right: Black 3px double; border-bottom: Black 3px double; padding: 2pt 5pt; text-align: center; width: 65%"><b>Executive Position</b></td></tr>
<tr>
    <td style="border-right: Black 1px solid; border-bottom: Black 1px solid; border-left: Black 3px double; padding: 2pt 5pt; text-align: center">David T. Popwell</td>
    <td style="border-right: Black 3px double; border-bottom: Black 1px solid; padding: 2pt 5pt; text-align: center">President&#8212;Specialty Banking</td></tr>
<tr style="background-color: #F2F2F2">
    <td style="border-right: Black 1px solid; border-bottom: Black 1px solid; border-left: Black 3px double; padding: 2pt 5pt; text-align: center">Anthony J. Restel</td>
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<tr>
    <td style="border-right: Black 1px solid; border-bottom: Black 1px solid; border-left: Black 3px double; padding: 2pt 5pt; text-align: center">Susan L. Springfield</td>
    <td style="border-right: Black 3px double; border-bottom: Black 1px solid; padding: 2pt 5pt; text-align: center">Chief Credit Officer</td></tr>
<tr style="background-color: #F2F2F2">
    <td style="border-right: Black 1px solid; border-bottom: Black 1px solid; border-left: Black 3px double; padding: 2pt 5pt; text-align: center">Terry L. Akins</td>
    <td style="border-right: Black 3px double; border-bottom: Black 1px solid; padding: 2pt 5pt; text-align: center">Chief Risk Officer</td></tr>
<tr>
    <td style="border-right: Black 1px solid; border-bottom: Black 1px solid; border-left: Black 3px double; padding: 2pt 5pt; text-align: center">Tammy S. LoCascio</td>
    <td style="border-right: Black 3px double; border-bottom: Black 1px solid; padding: 2pt 5pt; text-align: center">Chief Human Resources Officer</td></tr>
<tr style="background-color: #F2F2F2">
    <td style="border-right: Black 1px solid; border-bottom: Black 1px solid; border-left: Black 3px double; padding: 2pt 5pt; text-align: center">Elizabeth A. Ardoin</td>
    <td style="border-right: Black 3px double; border-bottom: Black 1px solid; padding: 2pt 5pt; text-align: center">Chief Communications Officer</td></tr>
<tr>
    <td style="border-right: Black 1px solid; border-bottom: Black 2px double; border-left: Black 3px double; padding: 2pt 5pt; text-align: center">Jeff L. Fleming</td>
    <td style="border-right: Black 3px double; border-bottom: Black 2px double; padding: 2pt 5pt; text-align: center">Chief Accounting Officer </td></tr>
</table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><b><i>&#160;</i></b></p>

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

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0"><i>Departures</i>. At the Effective Time, as previously disclosed
in the 2020 Proxy Statement, Mark A. Emkes, Corydon J. Gilchrist and Luke Yancy III (the &#8220;Resigning Directors&#8221;) resigned
as members of the Board of Directors of First Horizon and First Horizon Bank. The resignations of the Resigning Directors were
not the result, in whole or in part, of any disagreement with First Horizon or First Horizon&#8217;s management.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0"><i>Election of New Directors</i>. At the Effective Time, in accordance
with the Merger Agreement, the Board of Directors of First Horizon amended First Horizon&#8217;s bylaws to, among other things,
expand the size of the Board to seventeen (17) persons. To fill the eight vacancies created by such amendment and the resignations
mentioned above, the following individuals, each of whom was a member of the Board of Directors of IBKC immediately prior to the
consummation of the Merger, were elected to the Board of Directors of First Horizon and of First Horizon Bank: Harry V. Barton,
Jr.; Daryl G. Byrd; John N. Casbon; William H. Fenstermaker; J. Michael Kemp, Sr.; Rick E. Maples; E. Stewart Shea, III; and Rosa
Sugra&#xf1;es (collectively, the &#8220;New Directors&#8221;).</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">Other than the Merger Agreement, and in the case of Mr. Byrd, his
letter agreement, there are no arrangements between the New Directors and any other person pursuant to which the New Directors
were selected as directors. There are no transactions in which any New Director has an interest requiring disclosure under Item
404(a) of Regulation S-K.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0"><i>Biographical&#160;&amp; Other Information</i>. Biographical and
other information related to the New Directors is provided in Exhibit 99.1 to this Current Report, which information is incorporated
herein by reference.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">Based on its review and the application of categorical standards,
as discussed in the 2020 Proxy Statement, First Horizon&#8217;s Board of Directors has determined that each of the New Directors,
other than Mr. Byrd, is independent under New York Stock Exchange listing standards.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0"><i>Board Committee Assignments after the Merger</i>. Starting at
the Effective Time, the major committees of the Board of Directors of First Horizon will be comprised of the following members:</p>

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

<table cellpadding="0" cellspacing="0" style="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top">
<td style="width: 18pt"></td><td style="width: 18pt"><span>&#9679;</span></td><td><span style="font-size: 10pt">The Audit Committee is chaired by Vicki R. Palmer and also includes Harry V. Barton, Jr., Kenneth
A. Burdick, Wendy P. Davidson, J. Michael Kemp, Jr., Cecelia D. Stewart and Rosa Sugra&#xf1;es.</span></td></tr>                                                                                                                  <tr style="vertical-align: top">
<td><span style="font-size: 10pt">&#160;</span></td><td><span style="font-size: 10pt">&#160;</span></td><td><span style="font-size: 10pt">&#160;</span></td></tr>
</table>

<table cellpadding="0" cellspacing="0" style="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top">
<td style="width: 18pt"></td><td style="width: 18pt"><span>&#9679;</span></td><td><span style="font-size: 10pt">The Compensation Committee is chaired by Rick E. Maples and also includes Kenneth A. Burdick,
John N. Casbon, Vicki R. Palmer, Colin V. Reed and E. Stewart Shea, III.</span></td></tr></table>
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<table cellpadding="0" cellspacing="0" style="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top">
<td style="width: 18pt; padding-bottom: 10pt"></td><td style="width: 18pt; padding-bottom: 10pt"><span>&#9679;</span></td><td style="padding-bottom: 10pt"><span style="font-size: 10pt">The Executive&#160;&amp; Risk Committee is chaired by William H. Fenstermaker and also includes
Daryl G. Byrd, John N. Casbon, John C. Compton, D. Bryan Jordan, Rick E. Maples, Vicki R. Palmer, Colin V. Reed and R. Eugene Taylor.</span></td></tr></table>

<table cellpadding="0" cellspacing="0" style="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top">
<td style="width: 18pt; padding-bottom: 10pt"></td><td style="width: 18pt; padding-bottom: 10pt"><span>&#9679;</span></td><td style="padding-bottom: 10pt"><span style="font-size: 10pt">The Information Technology Committee is chaired by Cecelia D. Stewart and also includes Harry
V. Barton, Wendy P. Davidson, J. Michael Kemp, Jr., Rajesh Subramaniam and Rosa Sugra&#xf1;es.</span></td></tr></table>

<table cellpadding="0" cellspacing="0" style="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top">
<td style="width: 18pt"></td><td style="width: 18pt"><span>&#9679;</span></td><td><span style="font-size: 10pt">The Nominating&#160;&amp; Corporate Governance Committee is chaired by John C. Compton and also
includes Kenneth A. Burdick, William H. Fenstermaker, J. Michael Kemp, Jr., Stewart Shea, III and Rajesh Subramaniam.</span></td></tr></table>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0"><i>Director Compensation</i>. Each New Director (other than Mr.
Byrd, who will be compensated as an executive officer) will be eligible to participate in all plans and programs applicable to
non-employee directors of First Horizon. Additional information concerning First Horizon&#8217;s compensatory plans and programs
for non-employee directors is provided in the following previously filed material, which is incorporated into this Item 5.02 by
reference: the section of the 2020 Proxy Statement captioned &#8220;Director Compensation&#8221;; and a description of other compensation
and benefit arrangements for executive officers, filed as Exhibit 10.8(b) to First Horizon&#8217;s Annual Report on Form 10-K for
the year ended December 31, 2019. However, certain exceptions will apply to the New Directors (other than Mr. Byrd) for the 2020-21
director pay year: (1) the RSU portion of the annual base retainer will not be granted for the 2020-21 pay year, in recognition
of the fact that, earlier in 2020, IBKC granted regular annual stock awards to its non-employee directors in accordance with its
usual practices; (2) the cash portion of the annual base retainer for 2020-21, which is paid quarterly, will consist of three quarters
of the full-year amount, to commence with the July-September 2020 quarter; and (3) the additional retainers for 2020-21, which
are paid quarterly based on committee and other assignments, will consist of three quarters of the full-year amount, to commence
with the July-September 2020 quarter. At the Effective Time, First Horizon assumed the remaining authorized but unused share reserve
available under the IBERIABANK Corporation 2019 Stock Incentive Plan (adjusted to relate to First Horizon Common Stock based on
the Exchange Ratio) for use in connection with future grants to former IBKC employees and directors who continue to be employed
by, or serve on the board of, First Horizon.</p>

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

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top; text-align: justify">
<td style="width: 54pt; text-align: left"><b>Item 5.03.</b></td><td style="text-align: left"><b>Amendments to Articles of Incorporation or Bylaws&#894; Change in Fiscal
Year.</b></td>
</tr></table>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">Information set forth under Item 3.03 of this Current Report is
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">Effective July 1, 2020, at the Effective Time and in accordance
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and Restated Bylaws&#8221;). The changes to the bylaws of First Horizon, as required by the Merger Agreement, have been previously
described in the section of the Joint Proxy Statement/Prospectus entitled &#8220;The Merger&#8212;Governance of the Combined Company
After the Merger,&#8221; which description is incorporated herein by reference. Additional non-substantive amendments also were
made to facilitate and support the required amendments, such as adding references to &#8220;Executive Chairman of the Board&#8221;
and updating section cross-references. The full text of the Amended and Restated Bylaws is filed as Exhibit 3.3 to this Current
Report and is incorporated herein by reference.</p>

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

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">On July 2, 2020, First Horizon and IBKC issued a joint press release
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Financial statements of business acquired</p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">The financial statements of IBKC required by Item 9.01(a) of Form
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">The following exhibits are filed as part of this Current Report:</p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; ">In addition, <span style="color: #212529">furnished
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<p style="font: 8pt Times New Roman, Times, Serif; margin: 0"><b>&#160;</b></p>

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


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

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Pursuant to the requirements of the Securities
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right"><B>Exhibit 3.1</B></P>

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>(Authorized Common Stock Increase)</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The undersigned, being a duly
authorized officer of First Horizon National Corporation (the &ldquo;Corporation&rdquo;), acting pursuant to Sections&nbsp;48-20-103
and <font style=white-space:nowrap>48-20-106</font> of the Tennessee Business Corporation Act, hereby certifies as follows:</P>

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    <TD>The name of the Corporation is FIRST HORIZON NATIONAL CORPORATION. </TD></TR>
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    <TD>(a) Seven Hundred Million (700,000,000) shares of common stock of a par value of $0.625 each; and </TD></TR>
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    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>3.</TD>
    <TD>The foregoing amendment to the Restated Charter was authorized by the Board of Directors (at a meeting duly convened and
    held on November 3, 2019) and duly adopted by the holders of the common stock of the Corporation (at a meeting duly convened
    and held on April 24, 2020).</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>4.</TD>
    <TD>The foregoing amendments will be effective as of 11:58 p.m. Central Time on July 1, 2020.</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 18pt">&nbsp;</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">&nbsp;</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Date: June 29, 2020</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 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>&nbsp;</TD>
    <TD COLSPAN="3">FIRST HORIZON NATIONAL CORPORATION</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left">By</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1px solid">&nbsp;&nbsp;/s/ Clyde A. Billings, Jr.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 63%">&nbsp;</TD>
    <TD STYLE="width: 4%">&nbsp;</TD>
    <TD STYLE="width: 36pt">Name:</TD>
    <TD>Clyde A. Billings, Jr.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>Corporate Secretary</TD></TR>
</TABLE>

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<DOCUMENT>
<TYPE>EX-3.2
<SEQUENCE>3
<FILENAME>c100054_ex3-2.htm
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<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0; text-align: right">Exhibit 3.2</P>

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>(Rollover Preferred Stock Designation)</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="background-color: white">The undersigned, being a duly
authorized officer of First Horizon National Corporation (the &ldquo;<I>Corporation</I>&rdquo;), acting pursuant to Sections 48-20-102
and 48-20-106 of the Tennessee Business Corporation Act, hereby certifies as follows:</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">1.</TD><TD>The name of the Corporation is FIRST HORIZON NATIONAL CORPORATION.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">2.</TD><TD>The Restated Charter is hereby amended by adding the following text to Article 10 to set forth the terms of the Corporation&rsquo;s
Series B Non-Cumulative Perpetual Preferred Stock, Series C Non-Cumulative Perpetual Preferred Stock and Series D Non-Cumulative
Perpetual Preferred Stock, by adding new sections (c), (d) and (e) to such Article 10:</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 18pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>6.625%
Fixed-to-Floating Non-Cumulative Perpetual Preferred Stock, Series B</U>. Pursuant to the provisions of the Restated Charter of
the Corporation and applicable law, a series of preferred stock, no par value, of the Corporation be and hereby is created and
the designation and number of shares of such series, and the voting and other powers, preferences and relative, participating,
optional or other rights, and the qualifications, limitations and restrictions thereof, of the shares of such series, are as follows:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 36pt">(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Designation
and Number of Shares</U></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">The designation
of the series of preferred stock shall be &ldquo;6.625% Fixed-to-Floating Non-Cumulative Perpetual Preferred Stock, Series B&rdquo;
(the &ldquo;<I>Series B Preferred Stock</I>&rdquo;). With respect to payment of dividends and distributions upon the Corporation&rsquo;s
liquidation, dissolution or winding up, the Series B Preferred Stock shall rank (i) senior to the Corporation&rsquo;s common stock
and any other class or series of preferred stock that by its terms ranks junior to the Series B Preferred Stock, (ii) equally with
all existing and future series of preferred stock that the Corporation may issue that does not by its terms rank junior to the
Series B Preferred Stock, including the Series A Preferred Stock, the Series C Preferred Stock, the Series D Preferred Stock and
the Series E Preferred Stock and (iii) junior to all existing and future indebtedness and other liabilities of the Corporation
any class or series of preferred stock that expressly provides in the articles of amendment creating such preferred stock that
it ranks senior to the Series B Preferred Stock (subject to any requisite consents required for the creation of such preferred
stock ranking senior to the Series B Preferred Stock).The number of authorized shares of Series B Preferred Stock shall be 8,625.
That number from time to time may be increased (but not in excess of the total number of authorized shares of preferred stock)
or decreased (but not below the number of shares of Series B Preferred Stock then outstanding) by further resolution duly adopted
by the Board of Directors (or a duly authorized committee thereof) and by the filing of a certificate pursuant to the provisions
of Section 48-20-106 of the Tennessee Business Corporation Act stating that such increase or decrease, as the case may be, has
been so authorized. The Corporation may from time to time, without notice to or the consent of holders of the Series B Preferred
Stock, issue additional shares of Series B Preferred Stock, provided that if the additional shares are not fungible for U.S. federal
income tax purposes with the initial shares of such series, the additional shares shall be issued under a separate CUSIP number.
The additional shares would form a single series together with all previously issued shares of Series B Preferred Stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 36pt">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Standard
Provisions</U></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 36pt">(3) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Definitions</U></P>


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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 36pt">&ldquo;<I>Board of Directors</I>&rdquo;
means the Board of Directors of the Corporation or any duly authorized committee thereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 0.5in">&ldquo;<I>Restated Charter</I>&rdquo;
means the Restated Charter of the Corporation, as may be amended from time to time.</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 0 0 36pt; text-indent: 0.5in">&ldquo;<I>Series A Preferred Stock</I>&rdquo;
means the Non-Cumulative Perpetual Preferred Stock, Series A, of the Corporation.</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 0 0 36pt; text-indent: 0.5in">&ldquo;<I>Series C Preferred Stock</I>&rdquo;
means the 6.60% Fixed-to-Floating Non-Cumulative Perpetual Preferred Stock, Series C, of the Corporation.</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 0 0 36pt; text-indent: 0.5in">&ldquo;<I>Series D Preferred Stock</I>&rdquo;
means the 6.100% Fixed-to-Floating Non-Cumulative Perpetual Preferred Stock, Series D, of the Corporation.</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 0 0 36pt; text-indent: 0.5in">&ldquo;<I>Series E Preferred Stock</I>&rdquo;
means the Non-Cumulative Perpetual Preferred Stock, Series E, of the Corporation.</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; text-indent: 36pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>6.60%
Fixed-to-Floating Non-Cumulative Perpetual Preferred Stock, Series C</U>. Pursuant to the provisions of the Restated Charter of
the Corporation and applicable law, a series of preferred stock, no par value, of the Corporation be and hereby is created and
the designation and number of shares of such series, and the voting and other powers, preferences and relative, participating,
optional or other rights, and the qualifications, limitations and restrictions thereof, of the shares of such series, are as follows:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 36pt">(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Designation
and Number of Shares</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">The designation
of the series of preferred stock shall be &ldquo;6.60% Fixed-to-Floating Non-Cumulative Perpetual Preferred Stock, Series C&rdquo;
(the &ldquo;<I>Series C Preferred Stock</I>&rdquo;). With respect to payment of dividends and distributions upon the Corporation&rsquo;s
liquidation, dissolution or winding up, the Series C Preferred Stock shall rank (i) senior to the Corporation&rsquo;s common stock
and any other class or series of preferred stock that by its terms ranks junior to the Series C Preferred Stock, (ii) equally with
all existing and future series of preferred stock that does not by its terms so provide, including the Series A Preferred Stock,
the Series B Preferred Stock, the Series D Preferred Stock and the Series E Preferred Stock and (iii) junior to all existing and
future indebtedness and other liabilities of the Corporation any class or series of preferred stock that expressly provides in
the articles of amendment creating such preferred stock that it ranks senior to the Series C Preferred Stock (subject to any requisite
consents prior to issuance).The number of authorized shares of Series C Preferred Stock shall be 5,750. That number from time to
time may be increased (but not in excess of the total number of authorized shares of preferred stock) or decreased (but not below
the number of shares of Series C Preferred Stock then outstanding) by further resolution duly adopted by the Board of Directors
(or a duly authorized committee thereof) and by the filing of a certificate pursuant to the provisions of Section 48-20-106 of
the Tennessee Business Corporation Act stating that such increase or decrease, as the case may be, has been so authorized. The
Corporation may from time to time, without notice to or the consent of holders of the Series C Preferred Stock, issue additional
shares of Series C Preferred Stock, provided that if the additional shares are not fungible for U.S. federal income tax purposes
with the initial shares of such series, the additional shares shall be issued under a separate CUSIP number. The additional shares
would form a single series together with all previously issued shares of Series C Preferred Stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 36pt">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Standard
Provisions</U></P>


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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 36pt">(3)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Definitions</U></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 36pt">&ldquo;<I>Board of Directors</I>&rdquo;
means the Board of Directors of the Corporation or any duly authorized committee thereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 0.5in">&ldquo;<I>Restated Charter</I>&rdquo;
means the Restated Charter of the Corporation, as may be amended from time to time.</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 0 0 36pt; text-indent: 0.5in">&ldquo;<I>Series A Preferred Stock</I>&rdquo;
means the Non-Cumulative Perpetual Preferred Stock, Series A, of the Corporation.</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 0 0 36pt; text-indent: 0.5in">&ldquo;<I>Series B Preferred Stock</I>&rdquo;
means the 6.625% Fixed-to-Floating Non-Cumulative Perpetual Preferred Stock, Series B, of the Corporation.</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 0 0 36pt; text-indent: 0.5in">&ldquo;<I>Series D Preferred Stock</I>&rdquo;
means the 6.100% Fixed-to-Floating Non-Cumulative Perpetual Preferred Stock, Series D, of the Corporation.</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 0 0 36pt; text-indent: 0.5in">&ldquo;<I>Series E Preferred Stock</I>&rdquo;
means the Non-Cumulative Perpetual Preferred Stock, Series E, of the Corporation.</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; text-indent: 36pt">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>6.100%
Fixed-to-Floating Non-Cumulative Perpetual Preferred Stock, Series D</U>. Pursuant to the provisions of the Restated Charter of
the Corporation and applicable law, a series of preferred stock, no par value , of the Corporation be and hereby is created and
the designation and number of shares of such series, and the voting and other powers, preferences and relative, participating,
optional or other rights, and the qualifications, limitations and restrictions thereof, of the shares of such series, are as follows:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 36pt">(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Designation
and Number of Shares</U></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">The designation
of the series of preferred stock shall be &ldquo;6.100% Fixed-to-Floating Non-Cumulative Perpetual Preferred Stock, Series D&rdquo;
(the &ldquo;<I>Series D Preferred Stock</I>&rdquo;<I>)</I>. With respect to payment of dividends and distributions upon the Corporation&rsquo;s
liquidation, dissolution or winding up, the Series D Preferred Stock shall rank (i) senior to the Corporation&rsquo;s common stock
and any other class or series of capital stock that by its terms ranks junior to the Series D Preferred Stock, (ii) equally with
all existing and future series of capital stock that does not by its terms so provide, including the Series A Preferred Stock,
the Series B Preferred Stock, the Series C Preferred Stock and the Series E Preferred Stock and (iii) junior to all existing and
future indebtedness and other liabilities of the Corporation any class or series of capital stock that expressly provides in the
articles of amendment creating such preferred stock that it ranks senior to the Series D Preferred Stock (subject to any requisite
consents prior to issuance). The number of authorized shares of Series D Preferred Stock shall be 10,000. That number from time
to time may be increased (but not in excess of the total number of authorized shares of preferred stock) or decreased (but not
below the number of shares of Series D Preferred Stock then outstanding) by further resolution duly adopted by the Board of Directors
(or a duly authorized committee thereof) and by the filing of a certificate pursuant to the provisions of Section 48-20-106 of
the Tennessee Business Corporation Act stating that such increase or decrease, as the case may be, has been so authorized. The
Corporation may from time to time, without notice to or the consent of holders of the Series D Preferred Stock, issue additional
shares of Series D Preferred Stock, provided that if the additional shares are not fungible for U.S. federal income tax purposes
with the initial shares of such series, </P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify">the additional shares shall be
issued under a separate CUSIP number. The additional shares would form a single series together with all previously issued
shares of Series D Preferred Stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 36pt">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<U>Standard Provisions</U></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 36pt">(3)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Definitions</U></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 36pt">&ldquo;<I>Board of Directors</I>&rdquo;
means the Board of Directors of the Corporation or any duly authorized committee thereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 0.5in">&ldquo;<I>Restated Charter</I>&rdquo;
means the Restated Charter of the Corporation, as may be amended from time to time.</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 0 0 36pt; text-indent: 0.5in">&ldquo;<I>Series A Preferred Stock</I>&rdquo;
means the Non-Cumulative Perpetual Preferred Stock, Series A, of the Corporation.</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 0 0 36pt; text-indent: 0.5in">&ldquo;<I>Series B Preferred Stock</I>&rdquo;
means the 6.625% Fixed-to-Floating Non-Cumulative Perpetual Preferred Stock, Series B, of the Corporation.</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 0 0 36pt; text-indent: 0.5in">&ldquo;<I>Series C Preferred Stock</I>&rdquo;
means the 6.60% Fixed-to-Floating Non-Cumulative Perpetual Preferred Stock, Series C, of the Corporation.</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 0 0 36pt; text-indent: 0.5in">&ldquo;<I>Series E Preferred Stock</I>&rdquo;
means the Non-Cumulative Perpetual Preferred Stock, Series E, of the Corporation.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">3.</TD><TD>The foregoing amendment to the Restated Charter was authorized by the Board of Directors (at a meeting duly convened and held
on November 3, 2019) without shareholder action, as such was not required.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 18pt; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">4.</TD><TD>The foregoing amendments will be effective as of 11:58 p.m. Central Time on July 1, 2020.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 18pt; text-indent: -18pt">&nbsp;</P>



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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Date: June 29, 2020</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&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="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD COLSPAN="3">FIRST HORIZON NATIONAL CORPORATION</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>By:&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1px solid">&nbsp;&nbsp;&nbsp;/s/ Clyde A. Billings, Jr.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 55%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 4%">Name:</TD>
    <TD STYLE="width: 36%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Clyde A. Billings, Jr.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Corporate Secretary</TD></TR>
</TABLE>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="font-weight: normal; color: #010000">Section
1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-weight: normal"><U>Definitions</U>.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">As used herein
with respect to Series B Preferred Stock:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(A)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Business
Day</I>&rdquo; shall mean (i) with respect to the Fixed Rate Period, any weekday in New York, New York that is not a day on which
banking institutions in such city are authorized or required by law, regulation, or executive order to be closed and (ii) with
respect to the Floating Rate Period, any weekday in New York, New York that is not a day on which banking institutions in such
city are authorized or required by law, regulation, or executive order to be closed, and additionally, is a London Banking Day.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(B)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Dividend
Determination Date</I>&rdquo; shall have the meaning set forth in Section (2)(G) hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(C)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Dividend
Payment Dates</I>&rdquo; shall have the meaning set forth in Section (2)(B) hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(D)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Dividend
Period</I>&rdquo; shall mean the period from, and including, each Dividend Payment Date to, but excluding, the next succeeding
Dividend Payment Date, except for the initial Dividend Period, which shall be the period from, and including, February 1, 2020
to, but excluding, the next succeeding Dividend Payment Date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(E)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Fixed
Period Dividend Payment Date</I>&rdquo; shall have the meaning set forth in Section (2)(B) hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(F)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Floating
Period Dividend Payment Date</I>&rdquo; shall have the meaning set forth in Section (2)(B) hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(G)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Fixed
Rate Period</I>&rdquo; shall have the meaning set forth in Section (2)(A) hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(H)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Floating
Rate Period</I>&rdquo; shall have the meaning set forth in Section (2)(A) hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(I)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Junior
Stock</I>&rdquo; shall mean the Corporation&rsquo;s common stock and any other class or series of the Corporation&rsquo;s capital
stock over which the Series B Preferred Stock has preference or priority in the payment of dividends or in the distribution of
assets on the liquidation, dissolution or winding up of the Corporation.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(J)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Liquidation
Preference</I>&rdquo; shall mean $10,000 per share of Series B Preferred Stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(K)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>London
Banking Day</I>&rdquo; shall mean any day on which commercial banks are open dealings in deposits in U.S. dollars in the London
interbank market.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(L)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Nonpayment</I>&rdquo;
shall have the meaning set forth in Section (5)(B) hereof.</P>



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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(M)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Optional
Redemption</I>&rdquo; shall have the meaning set forth in Section (4)(A) hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(N)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Parity
Stock</I>&rdquo; shall mean any class or series of the Corporation&rsquo;s capital stock that ranks on a par with the Series B
Preferred Stock in the payment of dividends and in the distribution of assets on the liquidation, dissolution or winding up of
the Corporation, which shall include the Series A Preferred Stock, the Series C Preferred Stock, the Series D Preferred Stock and
the Series E Preferred Stock</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify">and any class or series of the Corporation&rsquo;s stock hereafter authorized that ranks on a par
with the Series B Preferred Stock in the payment of dividends and in the distribution of assets on any liquidation, dissolution
or winding up of the Corporation.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(O)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Preferred
Stock Directors</I>&rdquo; shall have the meaning set forth in Section (5)(B) hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(P)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Regulatory
Capital Treatment Event</I>&rdquo; shall mean a good faith determination by the Corporation that, as a result of any (i) amendment
to, clarification of, or change (including any announced prospective 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 the Series
B Preferred Stock; (ii) proposed change in those laws or regulations that is announced or becomes effective after the initial issuance
of the Series B Preferred Stock; or (iii) official administrative decision or judicial decision or administrative action or other
official pronouncement interpreting or applying those laws or regulations that is announced or becomes effective after the initial
issuance of the Series B Preferred Stock, there is more than an insubstantial risk that the Corporation shall not be entitled to
treat the full liquidation value of the Series B Preferred Stock then outstanding as &ldquo;Tier 1 Capital&rdquo; (or its equivalent)
for purposes of the capital adequacy laws or regulations of the Board of Governors of the Federal Reserve System (or, as and if
applicable, the capital adequacy laws or regulations of any successor appropriate federal banking agency), as then in effect and
applicable, for as long as any share of Series B Preferred Stock is outstanding.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(Q)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Regulatory
Event Redemption</I>&rdquo; shall have the meaning set forth in Section (4)(B) hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(R)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Spread</I>&rdquo;
shall have the meaning set forth in Section (2)(A) hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(S)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Three-month
LIBOR</I>&rdquo; shall mean the London interbank offered rate for deposits in U.S. dollars for a three month period, as that rate
appears on Reuters screen page &ldquo;LIBOR01&rdquo; (or any successor or replacement page) at approximately 11:00 a.m., London
time, on the relevant Dividend Determination Date. If no offered rate appears on Reuters screen page &ldquo;LIBOR01&rdquo; (or
any successor or replacement page) on the relevant Dividend Determination Date at approximately 11:00 a.m., London time, then the
calculation agent, in consultation with the Corporation, shall select four major banks in the London interbank market and shall
request each of their principal London offices to provide a quotation of the rate at which three-month deposits in U.S. dollars
in amounts of at least $1,000,000 are offered by it to prime banks in the London interbank market, on that date and at that time.
If at least two quotations are provided, Three-month LIBOR shall be the arithmetic average (rounded upward if necessary to the
nearest .00001 of 1%) of the quotations provided. Otherwise, the Calculation Agent in consultation with the Corporation shall select
three major banks in New York City and shall request each of them to provide a quotation of the rate offered by it at approximately
11:00 a.m., New York City time, on the Dividend Determination Date for loans in U.S. dollars to leading European banks for a three
month period for the applicable Dividend Period in an amount of at least $1,000,000. If three quotations are provided, Three-month
LIBOR shall be the arithmetic average of the quotations provided. Otherwise, Three-month LIBOR for the next Dividend Period shall
be equal to Three-month LIBOR in effect for the then-current Dividend Period or, in the case of the first Dividend Period in the
Floating Rate Period, the most recent rate on which Three-month LIBOR could have been determined in accordance with the first sentence
of this Section had the dividend rate been a floating rate during the Fixed Rate Period.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(T)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Voting
Parity Stock</I>&rdquo; shall have the meaning set forth in Section (5)(B) hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Section 2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Dividends</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(A)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Holders
of the Series B Preferred Stock shall be entitled to receive, only when, as, and if declared by the Corporation&rsquo;s Board of
Directors (or a duly authorized committee thereof), out of assets legally available under applicable law for payment, non-cumulative
cash dividends based on the Liquidation</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify">Preference, and no more, at a rate equal to (1) 6.625% per annum, for each semi-annual
Dividend Period occurring from, and including, February 1, 2020 to, but excluding, August 1, 2025 (the &ldquo;<I>Fixed Rate Period</I>&rdquo;),
and (2) thereafter, Three-month LIBOR plus a spread of 426.2 basis points per annum (the &ldquo;<I>Spread</I>&rdquo;), for each
quarterly Dividend Period beginning August 1, 2025 (the &ldquo;<I>Floating Rate Period</I>&rdquo;).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(B)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;When,
as, and if declared by the Corporation&rsquo;s Board of Directors (or a duly authorized committee thereof) (1) during the Fixed
Rate Period, the Corporation shall pay cash dividends on the Series B Preferred Stock semi-annually, in arrears, on February 1
and August 1 of each year (each such date, a &ldquo;<I>Fixed Period Dividend Payment Date</I>&rdquo;), beginning on August 1, 2020,
and, when, as and if declared by the Corporation&rsquo;s Board of Directors (or a duly authorized committee thereof) and (2) during
the Floating Rate Period, the Corporation shall pay cash dividends on the Series B Preferred Stock quarterly, in arrears, on February
1, May 1, August 1, and November 1 of each year, beginning on November 1, 2025 (each such date, a &ldquo;<I>Floating Period Dividend
Payment Date</I>,&rdquo; and together with the Fixed Period Dividend Payment Dates, the &ldquo;<I>Dividend Payment Dates</I>&rdquo;).
The Corporation shall pay cash dividends to the holders of record of shares of the Series B Preferred Stock as such holders appear
on the Corporation&rsquo;s stock register on the applicable record date, which shall be the fifteenth calendar day before that
Dividend Payment Date or such other record date fixed by our Board of Directors (or a duly authorized committee thereof) that is
not more than 60 nor less than 10 days prior to such Dividend Payment Date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(C)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
any Dividend Payment Date on or prior to August 1, 2025 is a day that is not a Business Day, then the dividend with respect to
that Dividend Payment Date shall instead be paid on the immediately succeeding Business Day, without interest or other payment
in respect of such delayed payment. If any Dividend Payment Date after August 1, 2025 is a day that is not a Business Day, then
the Dividend Payment Date shall be the immediately succeeding Business Day unless such day falls in the next calendar month, in
which case the Dividend Payment Date shall instead be the immediately preceding day that is a Business Day, and dividends will
accumulate to the Dividend Payment Date as so adjusted.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(D)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Corporation shall calculate dividends on the Series B Preferred Stock for the Fixed Rate Period on the basis of a 360-day year
of twelve 30-day months. The Corporation shall calculate dividends on the Series B Preferred Stock for the Floating Rate Period
on the basis of the actual number of days in a Dividend Period and a 360-day year. Dollar amounts resulting from such calculation
shall be rounded to the nearest cent, with one-half cent being rounded upward.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(E)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Dividends
on the Series B Preferred Stock shall not be cumulative or mandatory. If the Corporation&rsquo;s Board of Directors (or a duly
authorized committee thereof) does not declare a dividend on the Series B Preferred Stock for any Dividend Period prior to the
related Dividend Payment Date, that dividend shall not accumulate, and the Corporation shall have no obligation to pay a dividend
for that Dividend Period at any time, whether or not dividends on the Series B Preferred Stock or any other series of our preferred
stock or common stock are declared for any future Dividend Period.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(F)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Dividends
on the Series B Preferred Stock shall accumulate from February 1, 2020 at the then-applicable dividend rate on the liquidation
preference amount of $10,000 per share. If the Corporation issues additional shares of the Series B Preferred Stock, dividends
on those additional shares shall accumulate from the original issue date of those additional shares at the then-applicable dividend
rate.</P>

<P STYLE="font: 7pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(G)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
dividend rate for each Dividend Period in the Floating Rate Period shall be determined by the Calculation Agent using Three-month
LIBOR as in effect on the second London Banking Day prior to the beginning
of the Dividend Period, which date shall be the &ldquo;<I>Dividend Determination Date</I>&rdquo; for the relevant Dividend Period.
The Calculation Agent then shall add Three-month LIBOR as determined on the Dividend Determination Date and the applicable Spread.
Once the dividend rate for the Series B Preferred Stock is determined, the Calculation Agent shall deliver that information to
the Corporation and the Transfer Agent. Absent manifest error, the Calculation Agent&rsquo;s determination of the dividend rate
for a Dividend Period for the Series B Preferred Stock shall be final.</P>


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(H)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;So
long as any share of Series B Preferred Stock remains outstanding:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 72pt; text-align: justify; text-indent: 29pt">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;no
dividend shall be declared and paid or set aside for payment and no distribution shall be declared and made or set aside for payment
on any Junior Stock (other than a dividend payable solely in shares of Junior Stock or any dividend in connection with the implementation
of a stockholder rights plan or the redemption or repurchase of any rights under such a plan)&#894;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 72pt; text-align: justify; text-indent: 29pt">(ii)&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 as a result of a reclassification of Junior Stock for or into other Junior Stock, or the exchange for or
conversion into Junior Stock, through the use of the proceeds of a substantially contemporaneous sale of other shares of Junior
Stock or pursuant to a contractually binding requirement to buy Junior Stock pursuant to a binding stock repurchase plan existing
prior to the most recently completed Dividend Period), nor shall any monies be paid to or made available for a sinking fund for
the redemption of any such securities by the Corporation&#894; and</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 72pt; text-align: justify; text-indent: 29pt">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;no
shares of Parity Stock shall be repurchased, redeemed or otherwise acquired for consideration by the Corporation (other than pursuant
to pro rata offers to purchase all, or a pro rata portion, of the Series B Preferred Stock and such Parity Stock, through the use
of the proceeds of a substantially contemporaneous sale of other shares of Parity Stock or Junior Stock, as a result of a reclassification
of Parity Stock for or into other Parity Stock, or by conversion into or exchange for Junior Stock), during a Dividend Period,
unless, in each case, the full dividends for the most recently completed Dividend Period on all outstanding shares of the Series
B Preferred Stock have been declared and paid in full or declared and a sum sufficient for the payment of those dividends has been
set aside. The foregoing limitations shall not apply to purchases or acquisitions of the Corporation&rsquo;s Junior Stock pursuant
to any employee or director incentive or benefit plan or arrangement (including any of the Corporation&rsquo;s employment, severance,
or consulting agreements) of the Corporation or of any of the Corporation&rsquo;s subsidiaries heretofore or hereafter adopted.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(I)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as provided below, for so long as any share of Series B Preferred Stock remains outstanding, the Corporation shall not declare,
pay, or set aside for payment full dividends on any Parity Stock unless the Corporation has paid in full, or set aside payment
in full, in respect of all accumulated dividends for all Dividend Periods for outstanding shares of Series B Preferred Stock. To
the extent that the Corporation declares dividends on the Series B Preferred Stock and on any Parity Stock but cannot make full
payment of such declared dividends, the Corporation shall allocate the dividend payments on a pro rata basis among the holders
of the shares of Series B Preferred Stock and the holders of any Parity Stock then outstanding. For purposes of calculating the
pro rata allocation of partial dividend payments, the Corporation shall allocate dividend payments based on the ratio between the
then current and accumulated dividend payments due on the shares of Series B Preferred Stock and (1) in the case of cumulative
Parity Stock the aggregate of the accumulated and unpaid dividends due on any such Parity Stock and (2) in the case of non-cumulative
Parity Stock the aggregate of the declared but unpaid dividends due on any such Parity Stock. No interest shall be payable in respect
of any dividend payment on Series B Preferred Stock that may be in arrears.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(J)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject
to the foregoing conditions, and not otherwise, dividends (payable in cash, stock, or otherwise), as may be determined by
the Corporation&rsquo;s Board of Directors (or a duly authorized committee thereof), may be declared and paid on the
Corporation&rsquo;s common stock and any Junior Stock from time to time out of any funds legally available for such payment,
and the holders of the Series B Preferred Stock shall not be entitled to participate in such dividends.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">Section 3. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Liquidation
Rights</U>.</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 0 0 36pt; text-align: justify; text-indent: 36pt">(A)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
the event of any voluntary or involuntary liquidation, dissolution or winding up of the Corporation, the holders of the shares
of Series B Preferred Stock then outstanding shall be entitled to be</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify"> paid out of the Corporation&rsquo;s assets legally available
for distribution to the Corporation&rsquo;s stockholders, before any distribution of assets is made to holders of common stock
or any other Junior Stock, a liquidating distribution in the amount equal to the sum of (1) the Liquidation Preference, plus (2)
the sum of any declared and unpaid dividends for prior Dividend Periods prior to the Dividend Period in which the liquidation distribution
is made and any declared and unpaid dividends for the then current Dividend Period in which the liquidation distribution is made
to the date of such liquidation distribution. After payment of the full amount of the liquidating distributions to which they are
entitled pursuant to the foregoing, the holders of Series B Preferred Stock shall have no right or claim to any remaining assets
of the Corporation.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(B)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
the event that, upon any such voluntary or involuntary liquidation, dissolution or winding up, the available assets of the Corporation
are insufficient to pay the amount of the liquidating distributions on all outstanding shares of Series B Preferred Stock and the
corresponding amounts payable on all shares of Parity Stock in the distribution of assets upon any liquidation, dissolution or
winding up of the Corporation, then the holders of the Series B Preferred Stock and such Parity Stock shall share ratably in any
such distribution of assets in proportion to the full liquidating distributions to which they respectively would be entitled.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(C)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For
the purposes of this Section (3), the merger or consolidation of the Corporation with or into any other entity or by another entity
with or into the Corporation or the sale, lease, exchange or other transfer of all or substantially all of the assets of the Corporation
(for cash, securities or other consideration) shall not be deemed to constitute the liquidation, dissolution or winding up of the
Corporation. If the Corporation enters into any merger or consolidation transaction with or into any other entity and the Corporation
is not the surviving entity in such transaction, the Series B Preferred Stock may be converted into shares of the surviving or
successor corporation or the direct or indirect parent of the surviving or successor corporation having terms identical to the
terms of the Series B Preferred Stock set forth herein.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Section 4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Redemption
Rights</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(A)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject
to the further terms and conditions provided herein, the Corporation may redeem the Series B Preferred Stock, in whole or in part,
at its option, for cash, on any Dividend Payment Date on or after August 1, 2025, with not less than 30 days&rsquo; and not more
than 60 days&rsquo; notice (&ldquo;<I>Optional Redemption</I>&rdquo;), subject to the approval of the appropriate federal banking
agency, at the redemption price provided in Section (4)(C) below. Dividends shall not accumulate on those shares of Series B Preferred
Stock so redeemed on and after the applicable redemption date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(B)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
addition, the Corporation may, redeem the Series B Preferred Stock, in whole but not in part, at its option, for cash, at any time
within 90 days following a Regulatory Capital Treatment Event, subject to the approval of the appropriate federal banking agency,
at the redemption price provided in Section (4)(C) below (a &ldquo;<I>Regulatory Event Redemption</I>&rdquo;).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(C)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
redemption price for any redemption of Series B Preferred Stock, whether an Optional Redemption or Regulatory Event Redemption,
shall be equal to (i) $10,000 per share of Series B Preferred Stock, plus any declared and unpaid dividends (without regard to
any undeclared dividends) to, but excluding, the date of redemption.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(D)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any
notice given as provided in this Section (4) shall be conclusively presumed to have been duly given, whether or not the holder
receives the notice, and any defect in the notice or in the provision of the notice, to any holder of shares of Series B Preferred
Stock designated for redemption will not affect the redemption of any other shares of Series B Preferred Stock. Any notice provided
to a holder of Series B Preferred Stock shall be deemed given on the date provided, whether or not the holder actually receives
the notice. A notice of redemption shall be given not less than 30 days and not more than 60 days prior to the date of redemption
specified in the notice, and shall specify (i) the redemption date, (ii) the redemption price, (iii) if fewer than all shares of
Series B Preferred Stock are to be redeemed, the number of shares of Series B Preferred Stock to be redeemed and (iv) the manner
in which holders of Series B Preferred Stock called for</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify">redemption may obtain payment of the redemption price in respect of those
shares. Notwithstanding anything to the contrary in this paragraph, if the Series B Preferred Stock is issued in book-entry form
through The Depositary Trust Company or any other similar facility, notice of redemption may be given to the holders of Series
B Preferred Stock at such time and in any manner permitted by such facility.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(E)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
notice of redemption of any shares of Series B Preferred Stock has been given by the Corporation and if the funds necessary for
such redemption have been set aside by the Corporation in trust for the benefit of the holders of any shares of Series B Preferred
Stock, then from and after the Redemption Date such shares of Series B Preferred Stock shall no longer be outstanding for any purpose,
all dividends with respect to such shares of Series B Preferred Stock shall cease to accumulate from the Redemption Date and all
rights of the holders of such shares shall terminate, except the right to receive the Redemption Price, without interest. Series
B Preferred Stock redeemed pursuant to this Section (4) or purchased or otherwise acquired for value by the Corporation shall,
after such acquisition, have the status of authorized and unissued shares of preferred stock and may be reissued by the Corporation
at any time as shares of any series of preferred stock other than as Series B Preferred Stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(F)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
the event that fewer than all the outstanding shares of Series B Preferred Stock are to be redeemed, the shares of Series B Preferred
Stock to be redeemed shall be selected either pro rata or by lot or in such other manner as the Board of Directors of the Corporation
(or a duly authorized committee thereof), determines to be fair and equitable, subject to the provisions hereof. The Board of Directors
of the Corporation (or a duly authorized committee thereof) shall have the full power and authority to prescribe the terms and
conditions upon which such shares of Series B Preferred Stock may be redeemed from time to time.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(G)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No
holder of Series B Preferred Stock shall have the right to require the redemption of the Series B Preferred Stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">Section 5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Voting
Rights</U>.</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 0 0 36pt; text-align: justify; text-indent: 36pt">(A)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Holders
of Series B Preferred Stock shall not have any voting rights, except as set forth below or as otherwise required by the Tennessee
Business Corporation Act.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(B)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Whenever
dividends payable on the Series B Preferred Stock or any other class or series of preferred stock ranking equally with the
Series B Preferred Stock, including the Series A Preferred Stock, the Series C Preferred Stock, the Series D Preferred Stock
and the Series E Preferred Stock, as to payment of dividends, and upon which voting rights equivalent to those described in
this paragraph have been conferred and are exercisable, have not been declared and paid in an aggregate amount equal to, as
to any class or series, the equivalent of at least three or more semi-annual or six or more quarterly Dividend Periods, as
applicable, whether or not for consecutive Dividend Periods (a &ldquo;<I>Nonpayment</I>&rdquo;), the holders of outstanding
shares of the Series B Preferred Stock voting as a class with holders of shares of any other series of our preferred stock
ranking equally with the Series B Preferred Stock, including the Series A Preferred Stock, the Series C Preferred Stock, the
Series D Preferred Stock and the Series E Preferred Stock, as to payment of dividends, and upon which like voting rights have
been conferred and are exercisable (&ldquo;<I>Voting Parity Stock</I>&rdquo;), shall be entitled to vote for the election of
two additional directors of the Board of Directors of the Corporation on the terms set forth in this Section (5) (and to fill
any vacancies in the terms of such directorships) (the &ldquo;<I>Preferred Stock Directors</I>&rdquo;). Holders of all series
of our Voting Parity Stock shall vote as a single class. In the event that the holders of the shares of the Series B
Preferred Stock are entitled to vote as described in this Section (5), the number of members of the Corporation&rsquo;s Board
of Directors at that time shall be increased by two directors, and the holders of the Series B Preferred Stock shall have the
right, as members of that class, to elect two directors at a special meeting called at the request of the holders of record
of at least 20% of the aggregate voting power of the Series B Preferred Stock or any other series of Voting Parity Stock
(unless such request is received less than 90 days before the date fixed for the Corporation&rsquo;s next annual or special
meeting of the stockholders, in which event such election shall be held at such next annual or special meeting of the
stockholders), provided that the election of any Preferred Stock</P>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify">Directors shall not cause the Corporation to violate the
corporate governance requirements of the New York Stock Exchange (or any other exchange on which the securities of the Corporation
may at such time be listed) that listed companies must have a majority of independent directors, and provided further that at no
time shall the Board of Directors of the Corporation include more than two Preferred Stock Directors.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(C)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Preferred Stock Directors elected at any such special meeting shall hold office until the next annual meeting of the Corporation&rsquo;s
stockholders unless they have been previously terminated or removed pursuant to Section (5)(D). In case any vacancy in the office
of a Preferred Stock Director occurs (other than prior to the initial election of the Preferred Stock Directors), the vacancy may
be filled by the written consent of the Preferred Stock Director remaining in office, or if none remains in office, by the vote
of the holders of the Series B Preferred Stock (together with holders of any Voting Parity Stock) to serve until the next annual
meeting of the stockholders.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(D)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;When
the Corporation has paid full dividends on the Series B Preferred Stock for the equivalent of at least two semi-annual or four
quarterly Dividend Periods, as applicable, following a Nonpayment, then the right of the holders of Series B Preferred Stock to
elect the Preferred Stock Directors set forth in this Section (5) shall cease (except as provided by law and subject always to
the same provisions for the vesting of the special voting rights in the case of any future Nonpayment). Upon termination of the
right of the holders of the Series B Preferred Stock and Voting Parity Stock to vote for Preferred Stock Directors as set forth
in this Section (5), the term of office of all Preferred Stock Directors then in office elected by only those holders shall terminate
immediately. Whenever the term of office of the Preferred Stock Directors ends and the related voting rights have expired, the
number of directors automatically will be decreased to the number of directors as otherwise would prevail. 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 the Series
B Preferred Stock (together with holders of any Voting Parity Stock) when they have the voting rights described in Section (5)(B).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(E)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;So
long as any shares of Preferred Stock remain outstanding, the Corporation shall not, without the affirmative vote or consent of
holders of at least 66&#8532;% in voting power of the Series B Preferred Stock and any Voting Parity Stock, voting together as
a single class, given in person or by proxy, either in writing without a meeting or at any meeting called for the purpose, authorize,
create or issue any capital stock ranking senior to the Series B Preferred Stock as to dividends or the distribution of assets
upon liquidation, dissolution or winding up, or reclassify any authorized capital stock into any such shares of such capital stock
or issue any obligation or security convertible into or evidencing the right to purchase any such shares of capital stock. Further,
so long as any shares of the Series B Preferred Stock remain outstanding, the Corporation shall not, without the affirmative vote
of the holders of at least 66&#8532;% in voting power of the Series B Preferred Stock, amend, alter or repeal any provision of
these Articles of Amendment or the Restated Charter of the Corporation, including by merger, consolidation or otherwise, so as
to adversely affect the powers, preferences or special rights of the Series B Preferred Stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">Notwithstanding
the foregoing, (i) any increase in the amount of authorized common stock or authorized preferred stock, or any increase or
decrease in the number of shares of any series of preferred stock, or the authorization, creation and issuance of other
classes or series of capital stock, in each case ranking on parity with or junior to the shares of the Series B Preferred
Stock as to dividends and distribution of assets upon liquidation, dissolution or winding up, shall not be deemed to
adversely affect such powers, preferences or special rights and (ii) a merger or consolidation of the Corporation with or
into another entity in which the shares of the Series B Preferred Stock (A) remain outstanding or (B) are converted into or
exchanged for preference securities of the surviving entity or any entity, directly or indirectly, controlling such surviving
entity and such new preference securities have powers, preferences and special rights that are not materially less favorable
than the Series B Preferred Stock shall not be deemed to adversely affect the powers, preferences or special rights of the
Series B Preferred Stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(F)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notice
for a special meeting to elect the Preferred Stock Directors shall be given in a similar manner to that provided in the Corporation&rsquo;s
By-laws for a special meeting of the stockholders. If the</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify">secretary of the Corporation does not call a special meeting within 20
days after receipt of any such request, then any holder of Series B Preferred Stock may (at the Corporation&rsquo;s expense) call
such meeting, upon notice as provided in this Section (5)(F), and for that purpose shall have access to the stock register of the
Corporation.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(G)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as otherwise set forth in Section (5)(F) hereof, the rules and procedures for calling and conducting any meeting of the holders
of Series B 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 that the Board of Directors of the Corporation (or a duly authorized committee
thereof), in its discretion, may adopt from time to time, which rules and procedures shall conform to the requirements of the Restated
Charter of the Corporation, the By-laws of the Corporation, and applicable laws and the rules of any national securities exchange
or other trading facility on which Series B Preferred Stock is listed or traded at the time.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">Section 6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Conversion
Rights</U>.</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 0 0 36pt; text-align: justify; text-indent: 36pt">The holders of
Series B Preferred Stock shall not have any rights to convert such shares into shares of any other class or series of stock or
into any other securities of, or any interest or property in, the Corporation.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Section 7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No Sinking Fund</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">No sinking fund
shall be established for the retirement or redemption of Series B Preferred Stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Section 8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No Preemptive or Subscription
Rights</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">No holder of Series
B Preferred Stock of the Corporation shall, as such holder, have any preemptive right to purchase or subscribe for any additional
shares of stock of the Corporation or any other security of the Corporation that it may issue or sell.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Section 9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No Other Rights</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">The Series B Preferred
Stock shall not have any designations, preferences or relative, participating, optional or other special rights except as set forth
herein or in the Restated Charter of the Corporation or as otherwise required by applicable law.</P>

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

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

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

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

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

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="font-weight: normal; color: #010000">Section
1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-weight: normal"><U>Definitions</U></FONT>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">As used herein
with respect to Series C Preferred Stock:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(A)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Business
Day</I>&rdquo; shall mean (i) with respect to the Fixed Rate Period, any weekday in New York, New York that is not a day on which
banking institutions in such city are authorized or required by law, regulation, or executive order to be closed and (ii) with
respect to the Floating Rate Period, any weekday in New York, New York that is not a day on which banking institutions in such
city are authorized or required by law, regulation, or executive order to be closed, and additionally, is a London Banking Day.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(B)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Dividend
Determination Date</I>&rdquo; shall have the meaning set forth in Section (2)(G) hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(C)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Dividend
Payment Dates</I>&rdquo; shall have the meaning set forth in Section (2)(B) hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(D)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Dividend
Period</I>&rdquo; shall mean the period from, and including, each Dividend Payment Date to, but excluding, the next succeeding
Dividend Payment Date, except for the initial Dividend Period, which shall be the period from, and including, May 1, 2020 to, but
excluding, the next succeeding Dividend Payment Date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(E)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Fixed
Rate Period</I>&rdquo; shall have the meaning set forth in Section (2)(A) hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(F)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Floating
Rate Period</I>&rdquo; shall have the meaning set forth in Section (2)(A) hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(G)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Junior
Stock</I>&rdquo; shall mean the Corporation&rsquo;s common stock and any other class or series of the Corporation&rsquo;s capital
stock over which the Series C Preferred Stock has preference or priority in the payment of dividends or in the distribution of
assets on the liquidation, dissolution or winding up of the Corporation.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(H)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Liquidation
Preference</I>&rdquo; shall mean $10,000 per share of Series C Preferred Stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(I)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>London
Banking Day</I>&rdquo; shall mean any day on which commercial banks are open dealings in deposits in U.S. dollars in the London
interbank market.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(J)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Nonpayment</I>&rdquo;
shall have the meaning set forth in Section (5)(B) hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(K)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Optional
Redemption</I>&rdquo; shall have the meaning set forth in Section (4)(A) hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(L)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Parity
Stock</I>&rdquo; shall mean any class or series of the Corporation&rsquo;s capital stock that ranks on a par with the Series
C Preferred Stock in the payment of dividends and in the distribution of assets on the liquidation, dissolution or winding up
of the Corporation, which shall include the Series A Preferred Stock, the Series B Preferred Stock, the Series D Preferred
Stock and the Series E Preferred Stock and any other class or series of the Corporation&rsquo;s stock hereafter authorized
that ranks on a par with the Series C Preferred Stock in the payment of dividends and in the distribution of assets on any
liquidation, dissolution or winding up of the Corporation.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(M)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Preferred
Stock Directors</I>&rdquo; shall have the meaning set forth in Section (5)(B) hereof.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(N)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Regulatory
Capital Treatment Event</I>&rdquo; shall mean a good faith determination by the Corporation that, as a result of any (i) amendment
to, clarification of, or change (including any announced prospective 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 the Series
C Preferred Stock; (ii) proposed change in those laws or regulations that is announced or becomes effective after the initial issuance
of the Series C Preferred Stock; or (iii) official administrative decision or judicial decision or administrative action or other
official pronouncement interpreting or applying those laws or regulations that is announced or becomes effective after the initial
issuance of the Series C Preferred Stock, there is more than an insubstantial risk that the Corporation shall not be entitled to
treat the full liquidation value of the Series C Preferred Stock then outstanding as &ldquo;Tier 1 Capital&rdquo; (or its equivalent)
for purposes of the capital adequacy laws or regulations of the Board of Governors of the Federal Reserve System (or, as and if
applicable, the capital adequacy laws or regulations of any successor appropriate federal banking agency), as then in effect and
applicable, for as long as any share of Series C Preferred Stock is outstanding.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(O)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Regulatory
Event Redemption</I>&rdquo; shall have the meaning set forth in Section (4)(B) hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(P)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Spread</I>&rdquo;
shall have the meaning set forth in Section (2)(A) hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(Q)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Three-month
LIBOR</I>&rdquo; shall mean the London interbank offered rate for deposits in U.S. dollars for a three month period, as that rate
appears on Reuters screen page &ldquo;LIBOR01&rdquo; (or any successor or replacement page) at approximately 11:00 a.m., London
time, on the relevant Dividend Determination Date. If no offered rate appears on Reuters screen page &ldquo;LIBOR01&rdquo; (or
any successor or replacement page) on the relevant Dividend Determination Date at approximately 11:00 a.m., London time, then the
calculation agent, in consultation with the Corporation, shall select four major banks in the London interbank market and shall
request each of their principal London offices to provide a quotation of the rate at which three-month deposits in U.S. dollars
in amounts of at least $1,000,000 are offered by it to prime banks in the London interbank market, on that date and at that time.
If at least two quotations are provided, Three-month LIBOR shall be the arithmetic average (rounded upward if necessary to the
nearest .00001 of 1%) of the quotations provided. Otherwise, the Calculation Agent in consultation with the Corporation shall select
three major banks in New York City and shall request each of them to provide a quotation of the rate offered by it at approximately
11:00 a.m., New York City time, on the Dividend Determination Date for loans in U.S. dollars to leading European banks for a three
month period for the applicable Dividend Period in an amount of at least $1,000,000. If three quotations are provided, Three-month
LIBOR shall be the arithmetic average of the quotations provided. Otherwise, Three-month LIBOR for the next Dividend Period shall
be equal to Three-month LIBOR in effect for the then-current Dividend Period or, in the case of the first Dividend Period in the
Floating Rate Period, the most recent rate on which Three-month LIBOR could have been determined in accordance with the first sentence
of this Section had the dividend rate been a floating rate during the Fixed Rate Period.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(R)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Voting
Parity Stock</I>&rdquo; shall have the meaning set forth in Section (5)(B) hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Section 2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Dividends</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(A)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Holders
of the Series C Preferred Stock shall be entitled to receive, only when, as, and if declared by the Corporation&rsquo;s
Board of Directors (or a duly authorized committee thereof), out of assets legally available under applicable law for
payment, non-cumulative cash dividends based on the Liquidation Preference, and no more, at a rate equal to (1) 6.60% per
annum, for each quarterly Dividend Period occurring from, and including, May 1, 2020 to, but excluding, May 1, 2026 (the
&ldquo;<I>Fixed Rate Period</I>&rdquo;), and (2) thereafter, Three-month LIBOR plus a spread of 492 basis points per annum
(the &ldquo;<I>Spread</I>&rdquo;), for each quarterly Dividend Period beginning May 1, 2026 (the &ldquo;<I>Floating Rate
Period</I>&rdquo;).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(B)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;When,
as, and if declared by the Corporation&rsquo;s Board of Directors (or a duly authorized committee thereof), the Corporation shall
pay cash dividends on the Series C Preferred Stock quarterly, in arrears, on February 1, May 1, August 1, and November 1 of each
year (each such date, a &ldquo;<I>Dividend Payment</I></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify"><I>Date</I>&rdquo;), beginning on August 1, 2020, and, when, as and if declared
by the Corporation&rsquo;s Board of Directors (or a duly authorized committee thereof). The Corporation shall pay cash dividends
to the holders of record of shares of the Series C Preferred Stock as such holders appear on the Corporation&rsquo;s stock register
on the applicable record date, which shall be the fifteenth calendar day before that Dividend Payment Date or such other record
date fixed by our Board of Directors (or a duly authorized committee thereof) that is not more than 60 nor less than 10 days prior
to such Dividend Payment Date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(C)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
any Dividend Payment Date on or prior to May 1, 2026 is a day that is not a Business Day, then the dividend with respect to that
Dividend Payment Date shall instead be paid on the immediately succeeding Business Day, without interest or other payment in respect
of such delayed payment. If any Dividend Payment Date after May 1, 2026 is a day that is not a Business Day, then the Dividend
Payment Date shall be the immediately succeeding Business Day unless such day falls in the next calendar month, in which case the
Dividend Payment Date shall instead be the immediately preceding day that is a Business Day, and dividends will accumulate to the
Dividend Payment Date as so adjusted.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(D)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Corporation shall calculate dividends on the Series C Preferred Stock for the Fixed Rate Period on the basis of a 360-day year
of twelve 30-day months. The Corporation shall calculate dividends on the Series C Preferred Stock for the Floating Rate Period
on the basis of the actual number of days in a Dividend Period and a 360-day year. Dollar amounts resulting from such calculation
shall be rounded to the nearest cent, with one-half cent being rounded upward.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(E)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Dividends
on the Series C Preferred Stock shall not be cumulative or mandatory. If the Corporation&rsquo;s Board of Directors (or a duly
authorized committee thereof) does not declare a dividend on the Series C Preferred Stock for any Dividend Period prior to the
related Dividend Payment Date, that dividend shall not accumulate, and the Corporation shall have no obligation to pay a dividend
for that Dividend Period at any time, whether or not dividends on the Series C Preferred Stock or any other series of our preferred
stock or common stock are declared for any future Dividend Period.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(F)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Dividends
on the Series C Preferred Stock shall accumulate from May 1, 2020 at the then-applicable dividend rate on the liquidation preference
amount of $10,000 per share. If the Corporation issues additional shares of the Series C Preferred Stock, dividends on those additional
shares shall accumulate from the original issue date of those additional shares at the then-applicable dividend rate.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(G)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
dividend rate for each Dividend Period in the Floating Rate Period shall be determined by the Calculation Agent using Three-month
LIBOR as in effect on the second London Banking Day prior to the beginning of the Dividend Period, which date shall be the &ldquo;<I>Dividend
Determination Date</I>&rdquo; for the relevant Dividend Period. The Calculation Agent then shall add Three-month LIBOR as determined
on the Dividend Determination Date and the applicable Spread. Once the dividend rate for the Series C Preferred Stock is determined,
the Calculation Agent shall deliver that information to the Corporation and the Transfer Agent. Absent manifest error, the Calculation
Agent&rsquo;s determination of the dividend rate for a Dividend Period for the Series C Preferred Stock shall be final.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(H)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;So
long as any share of Series C Preferred Stock remains outstanding:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 72pt; text-align: justify; text-indent: 29pt">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;no
dividend shall be declared and paid or set aside for payment and no distribution shall be declared and made or set aside for
payment on any Junior Stock (other than a dividend payable solely in shares of Junior Stock or any dividend in connection
with the implementation of a stockholder rights plan or the redemption or repurchase of any rights under such a plan);</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 72pt; text-align: justify; text-indent: 29pt">(ii)&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 as a result of a reclassification of Junior Stock for or into other Junior Stock, or the exchange for or
conversion into Junior Stock, through the use of the proceeds of a substantially contemporaneous sale of other shares of Junior
Stock or pursuant to a contractually binding requirement to buy Junior Stock pursuant to a binding stock repurchase plan existing
prior to the most recently completed Dividend Period), nor shall any</P>

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    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 72pt; text-align: justify; text-indent: 29pt">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;no
shares of Parity Stock shall be repurchased, redeemed or otherwise acquired for consideration by the Corporation (other than pursuant
to pro rata offers to purchase all, or a pro rata portion, of the Series C Preferred Stock and such Parity Stock, through the use
of the proceeds of a substantially contemporaneous sale of other shares of Parity Stock or Junior Stock, as a result of a reclassification
of Parity Stock for or into other Parity Stock, or by conversion into or exchange for Junior Stock), during a Dividend Period,
unless, in each case, the full dividends for the most recently completed Dividend Period on all outstanding shares of the Series
C Preferred Stock have been declared and paid in full or declared and a sum sufficient for the payment of those dividends has been
set aside. The foregoing limitations shall not apply to purchases or acquisitions of the Corporation&rsquo;s Junior Stock pursuant
to any employee or director incentive or benefit plan or arrangement (including any of the Corporation&rsquo;s employment, severance,
or consulting agreements) of the Corporation or of any of the Corporation&rsquo;s subsidiaries heretofore or hereafter adopted.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(I)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as provided below, for so long as any share of Series C Preferred Stock remains outstanding, the Corporation shall not declare,
pay, or set aside for payment full dividends on any Parity Stock unless the Corporation has paid in full, or set aside payment
in full, in respect of all accumulated dividends for all Dividend Periods for outstanding shares of Series C Preferred Stock. To
the extent that the Corporation declares dividends on the Series C Preferred Stock and on any Parity Stock but cannot make full
payment of such declared dividends, the Corporation shall allocate the dividend payments on a pro rata basis among the holders
of the shares of Series C Preferred Stock and the holders of any Parity Stock then outstanding. For purposes of calculating the
pro rata allocation of partial dividend payments, the Corporation shall allocate dividend payments based on the ratio between the
then current and accumulated dividend payments due on the shares of Series C Preferred Stock and (1) in the case of cumulative
Parity Stock the aggregate of the accumulated and unpaid dividends due on any such Parity Stock and (2) in the case of non-cumulative
Parity Stock the aggregate of the declared but unpaid dividends due on any such Parity Stock. No interest shall be payable in respect
of any dividend payment on Series C Preferred Stock that may be in arrears.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(J)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject
to the foregoing conditions, and not otherwise, dividends (payable in cash, stock, or otherwise), as may be determined by the Corporation&rsquo;s
Board of Directors (or a duly authorized committee thereof), may be declared and paid on the Corporation&rsquo;s common stock and
any Junior Stock from time to time out of any funds legally available for such payment, and the holders of the Series C Preferred
Stock shall not be entitled to participate in such dividends.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">Section 3. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Liquidation
Rights</U>.</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 0 0 36pt; text-align: justify; text-indent: 36pt">(A)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
the event of any voluntary or involuntary liquidation, dissolution or winding up of the Corporation, the holders of the
shares of Series C Preferred Stock then outstanding shall be entitled to be paid out of the Corporation&rsquo;s assets
legally available for distribution to the Corporation&rsquo;s stockholders, before any distribution of assets is made to
holders of common stock or any other Junior Stock, a liquidating distribution in the amount equal to the sum of (1) the
Liquidation Preference, plus (2) the sum of any declared and unpaid dividends for prior Dividend Periods prior to the
Dividend Period in which the liquidation distribution is made and any declared and unpaid dividends for the then current
Dividend Period in which the liquidation distribution is made to the date of such liquidation distribution. After payment of
the full amount of the liquidating distributions to which they are entitled pursuant to the foregoing, the holders of Series
C Preferred Stock shall have no right or claim to any remaining assets of the Corporation.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(B)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
the event that, upon any such voluntary or involuntary liquidation, dissolution or winding up, the available assets of the Corporation
are insufficient to pay the amount of the liquidating distributions on all outstanding shares of Series C Preferred Stock and the
corresponding amounts payable on all shares of Parity Stock in the distribution of assets upon any liquidation, dissolution or
winding up of the Corporation, then the holders of the Series C Preferred Stock and such Parity Stock shall share ratably in</P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify">any
such distribution of assets in proportion to the full liquidating distributions to which they respectively would be entitled.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(C)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For
the purposes of this Section (3), the merger or consolidation of the Corporation with or into any other entity or by another entity
with or into the Corporation or the sale, lease, exchange or other transfer of all or substantially all of the assets of the Corporation
(for cash, securities or other consideration) shall not be deemed to constitute the liquidation, dissolution or winding up of the
Corporation. If the Corporation enters into any merger or consolidation transaction with or into any other entity and the Corporation
is not the surviving entity in such transaction, the Series C Preferred Stock may be converted into shares of the surviving or
successor corporation or the direct or indirect parent of the surviving or successor corporation having terms identical to the
terms of the Series C Preferred Stock set forth herein.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">Section 4. <U>Redemption
Rights</U>.</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 0 0 36pt; text-align: justify; text-indent: 36pt">(A)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject
to the further terms and conditions provided herein, the Corporation may redeem the Series C Preferred Stock, in whole or in part,
at its option, for cash, on any Dividend Payment Date on or after May 1, 2026, with not less than 30 days&rsquo; and not more than
60 days&rsquo; notice (&ldquo;<I>Optional Redemption</I>&rdquo;), subject to the approval of the appropriate federal banking agency,
at the redemption price provided in Section (4)(C) below. Dividends shall not accumulate on those shares of Series C Preferred
Stock so redeemed on and after the applicable redemption date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(B)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
addition, the Corporation may, redeem the Series C Preferred Stock, in whole but not in part, at its option, for cash, at any time
within 90 days following a Regulatory Capital Treatment Event, subject to the approval of the appropriate federal banking agency,
at the redemption price provided in Section (4)(C) below (a &ldquo;<I>Regulatory Event Redemption</I>&rdquo;).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(C)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
redemption price for any redemption of Series C Preferred Stock, whether an Optional Redemption or Regulatory Event Redemption,
shall be equal to (i) $10,000 per share of Series C Preferred Stock, plus any declared and unpaid dividends (without regard to
any undeclared dividends) to, but excluding, the date of redemption.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(D)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any
notice given as provided in this Section (4) shall be conclusively presumed to have been duly given, whether or not the holder
receives the notice, and any defect in the notice or in the provision of the notice, to any holder of shares of Series C Preferred
Stock designated for redemption will not affect the redemption of any other shares of Series C Preferred Stock. Any notice provided
to a holder of Series C Preferred Stock shall be deemed given on the date provided, whether or not the holder actually receives
the notice. A notice of redemption shall be given not less than 30 days and not more than 60 days prior to the date of redemption
specified in the notice, and shall specify (i) the redemption date, (ii) the redemption price, (iii) if fewer than all shares of
Series C Preferred Stock are to be redeemed, the number of shares of Series C Preferred Stock to be redeemed and (iv) the manner
in which holders of Series C Preferred Stock called for redemption may obtain payment of the redemption price in respect of those
shares. Notwithstanding anything to the contrary in this paragraph, if the Series C Preferred Stock is issued in book-entry form
through The Depositary Trust Company or any other similar facility, notice of redemption may be given to the holders of Series
C Preferred Stock at such time and in any manner permitted by such facility.</P>



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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(E)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
notice of redemption of any shares of Series C Preferred Stock has been given by the Corporation and if the funds necessary for
such redemption have been set aside by the Corporation in trust for the benefit of the holders of any shares of Series C Preferred
Stock, then from and after the Redemption Date such shares of Series C Preferred Stock shall no longer be outstanding for any purpose,
all dividends with respect to such shares of Series C Preferred Stock shall cease to accumulate from the Redemption Date and all
rights of the holders of such shares shall terminate, except the right to receive the Redemption Price, without interest. Series
C Preferred Stock redeemed pursuant to this Section (4) or purchased or otherwise acquired for value by the Corporation shall,
after such acquisition, have the status of authorized and unissued shares of preferred stock and may be reissued by the Corporation
at any time as shares of any series of preferred stock other than as Series C Preferred Stock.</P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(F)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
the event that fewer than all the outstanding shares of Series C Preferred Stock are to be redeemed, the shares of Series C Preferred
Stock to be redeemed shall be selected either pro rata or by lot or in such other manner as the Board of Directors of the Corporation
(or a duly authorized committee thereof), determines to be fair and equitable, subject to the provisions hereof. The Board of Directors
of the Corporation (or a duly authorized committee thereof) shall have the full power and authority to prescribe the terms and
conditions upon which such shares of Series C Preferred Stock may be redeemed from time to time.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(G)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No
holder of Series C Preferred Stock shall have the right to require the redemption of the Series C Preferred Stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify">Section 5. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Voting Rights</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(A)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Holders
of Series C Preferred Stock shall not have any voting rights, except as set forth below or as otherwise required by the Tennessee
Business Corporation Act.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(B)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Whenever
dividends payable on the Series C Preferred Stock or any other class or series of preferred stock ranking equally with the Series
C Preferred Stock, including the Series A Preferred Stock, the Series B Preferred Stock, the Series D Preferred Stock and the
Series E Preferred Stock, as to payment of dividends, and upon which voting rights equivalent to those described in this paragraph
have been conferred and are exercisable, have not been declared and paid in an aggregate amount equal to, as to any class or series,
the equivalent of at least six or more quarterly Dividend Periods, whether or not for consecutive Dividend Periods (a &ldquo;<I>Nonpayment</I>&rdquo;),
the holders of outstanding shares of the Series C Preferred Stock voting as a class with holders of shares of any other series
of our preferred stock ranking equally with the Series C Preferred Stock, including the Series A Preferred Stock, the Series B
Preferred Stock, the Series D Preferred Stock and the Series E Preferred Stock, as to payment of dividends, and upon which like
voting rights have been conferred and are exercisable (&ldquo;<I>Voting Parity Stock</I>&rdquo;), shall be entitled to vote for
the election of two additional directors of the Board of Directors of the Corporation on the terms set forth in this Section (5)
(and to fill any vacancies in the terms of such directorships) (the &ldquo;<I>Preferred Stock Directors</I>&rdquo;). Holders of
all series of our Voting Parity Stock shall vote as a single class. In the event that the holders of the shares of the Series
C Preferred Stock are entitled to vote as described in this Section (5), the number of members of the Corporation&rsquo;s Board
of Directors at that time shall be increased by two directors, and the holders of the Series C Preferred Stock shall have the
right, as members of that class, to elect two directors at a special meeting called at the request of the holders of record of
at least 20% of the aggregate voting power of the Series C Preferred Stock or any other series of Voting Parity Stock (unless
such request is received less than 90 days before the date fixed for the Corporation&rsquo;s next annual or special meeting of
the stockholders, in which event such election shall be held at such next annual or special meeting of the stockholders), provided
that the election of any Preferred Stock Directors shall not cause the Corporation to violate the corporate governance requirements
of the New York Stock Exchange (or any other exchange on which the securities of the Corporation may at such time be listed) that
listed companies must have a majority of independent directors, and provided further that at no time shall the Board of Directors
of the Corporation include more than two Preferred Stock Directors.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(C)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Preferred Stock Directors elected at any such special meeting shall hold office until the next annual meeting of the
Corporation&rsquo;s stockholders unless they have been previously terminated or removed pursuant to Section (5)(D). In case
any vacancy in the office of a Preferred Stock Director occurs (other than prior to the initial election of the Preferred
Stock Directors), the vacancy may be filled by the written consent of the Preferred Stock Director remaining in office, or if
none remains in office, by the vote of the holders of the Series C Preferred Stock (together with holders of any Voting
Parity Stock) to serve until the next annual meeting of the stockholders.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(D)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;When
the Corporation has paid full dividends on the Series C Preferred Stock for the equivalent of at least four quarterly
Dividend Periods, following a Nonpayment, then the right of the holders of Series C referred Stock to elect the Preferred
Stock Directors set forth in this Section (5) shall cease (except as provided by law and subject always to the same
provisions for the vesting of the special voting rights in the case of any future Nonpayment). Upon termination of the right
of the holders of the Series C</P>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify">Preferred Stock and Voting Parity Stock to vote for Preferred Stock Directors as set forth in this Section (5), the term of office
of all Preferred Stock Directors then in office elected by only those holders shall terminate immediately. Whenever the term of
office of the Preferred Stock Directors ends and the related voting rights have expired, the number of directors automatically
will be decreased to the number of directors as otherwise would prevail. 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 the Series C Preferred Stock (together with holders
of any Voting Parity Stock) when they have the voting rights described in Section (5)(B).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(E)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;So
long as any shares of Preferred Stock remain outstanding, the Corporation shall not, without the affirmative vote or consent of
holders of at least 66 2/3% in voting power of the Series C Preferred Stock and any Voting Parity Stock, voting together as a single
class, given in person or by proxy, either in writing without a meeting or at any meeting called for the purpose, authorize, create
or issue any capital stock ranking senior to the Series C Preferred Stock as to dividends or the distribution of assets upon liquidation,
dissolution or winding up, or reclassify any authorized capital stock into any such shares of such capital stock or issue any obligation
or security convertible into or evidencing the right to purchase any such shares of capital stock. Further, so long as any shares
of the Series C Preferred Stock remain outstanding, the Corporation shall not, without the affirmative vote of the holders of at
least 66 2/3% in voting power of the Series C Preferred Stock, amend, alter or repeal any provision of these Articles of Amendment
or the Restated Charter of the Corporation, including by merger, consolidation or otherwise, so as to affect the powers, preferences
or special rights of the Series C Preferred Stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">Notwithstanding
the foregoing, (i) any increase in the amount of authorized common stock or authorized preferred stock, or any increase or decrease
in the number of shares of any series of preferred stock, or the authorization, creation and issuance of other classes or series
of capital stock, in each case ranking on parity with or junior to the shares of the Series C Preferred Stock as to dividends and
distribution of assets upon liquidation, dissolution or winding up, shall not be deemed to affect such powers, preferences or special
rights and (ii) a merger or consolidation of the Corporation with or into another entity in which the shares of the Series C Preferred
Stock (A) remain outstanding or (B) are converted into or exchanged for preference securities of the surviving entity or any entity,
directly or indirectly, controlling such surviving entity and such new preference securities have powers, preferences and special
rights that are not materially less favorable than the Series C Preferred Stock shall not be deemed to affect the powers, preferences
or special rights of the Series C Preferred Stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(F)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notice
for a special meeting to elect the Preferred Stock Directors shall be given in a similar manner to that provided in the
Corporation&rsquo;s By-laws for a special meeting of the stockholders. If the secretary of the Corporation does not call a
special meeting within 20 days after receipt of any such request, then any holder of Series C Preferred Stock may (at the
Corporation&rsquo;s expense) call such meeting, upon notice as provided in this Section (5)(F), and for that purpose shall
have access to the stock register of the Corporation.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(G)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as otherwise set forth in Section (5)(F) hereof, the rules and procedures for calling and conducting any meeting of the holders
of Series C 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 that the Board of Directors of the Corporation (or a duly authorized committee
thereof), in its discretion, may adopt from time to time, which rules and procedures shall conform to the requirements of the
Restated Charter of the Corporation, the By-laws of the Corporation, and applicable laws and the rules of any national securities
exchange or other trading facility on which Series C Preferred Stock is listed or traded at the time.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Section 6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Conversion Rights</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">The holders of
Series C Preferred Stock shall not have any rights to convert such shares into shares of any other class or series of stock or
into any other securities of, or any interest or property in, the Corporation.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify">Section 7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No Sinking Fund</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">No sinking fund
shall be established for the retirement or redemption of Series C Preferred Stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Section 8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No Preemptive or Subscription
Rights</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">No holder of Series
C Preferred Stock of the Corporation shall, as such holder, have any preemptive right to purchase or subscribe for any additional
shares of stock of the Corporation or any other security of the Corporation that it may issue or sell.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 40.5pt">Section 9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No Other Rights</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 40.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">The Series C Preferred
Stock shall not have any designations, preferences or relative, participating, optional or other special rights except as set forth
herein or in the Company&rsquo;s Restated Charter or as otherwise required by applicable law.</P>

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

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

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

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

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

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="font-weight: normal; color: #010000">Section
1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-weight: normal"><U>Definitions</U></FONT>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">As used herein
with respect to Series D Preferred Stock:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(A)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Adjustments</I>&rdquo;
shall have the meaning set forth in Section (1)(Y)(iii) hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(B)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Alternative
Rate</I>&rdquo; shall have the meaning set forth in Section (1)(Y)(iii) hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(C)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Business
Day</I>&rdquo; shall mean (i) with respect to the Fixed Rate Period, any weekday in New York, New York that is not a day on which
banking institutions in such city are authorized or required by law, regulation, or executive order to be closed and (ii) with
respect to the Floating Rate Period, any weekday in New York, New York that is not a day on which banking institutions in such
city are authorized or required by law, regulation, or executive order to be closed, and additionally, is a London Banking Day.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(D)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Calculation
Agent</I>&rdquo; shall mean, at any time, the Corporation, an entity affiliated with the Corporation, or the person or entity appointed
by the Corporation pursuant to a calculation agent agreement between the Corporation and a calculation agent and serving as such
agent with respect to Series D Preferred Stock at such time (including any successor to such person or entity). The Corporation
will be the calculation agent for Series D Preferred Stock as of the original issue date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(E)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Dividend
Determination Date</I>&rdquo; shall have the meaning set forth in Section (2)(G) hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(F)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Dividend
Payment Dates</I>&rdquo; shall have the meaning set forth in Section (2)(B) hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(G)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Dividend
Period</I>&rdquo; shall mean the period from, and including, each Dividend Payment Date to, but excluding, the next succeeding
Dividend Payment Date, except for the initial Dividend Period, which shall be the period from, and including, May 1, 2020 to, but
excluding, the next succeeding Dividend Payment Date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(H)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Fixed
Rate Period</I>&rdquo; shall have the meaning set forth in Section (2)(A) hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(I)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Floating
Rate Period</I>&rdquo; shall have the meaning set forth in Section (2)(A) hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(J)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Junior
Stock</I>&rdquo; shall mean the Corporation&rsquo;s common stock and any other class or series of the Corporation&rsquo;s capital
stock over which the Series D Preferred Stock has preference or priority in the payment of dividends or in the distribution of
assets on the liquidation, dissolution or winding up of the Corporation.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(K)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>IFA</I>&rdquo;
shall have the meaning set forth in Section (1)(Y)(iii) hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(L)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>LIBOR
Event</I>&rdquo; shall have the meaning set forth in Section (1)(Y)(iii) hereof.</P>




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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(M)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Liquidation
Preference</I>&rdquo; shall mean $10,000 per share of Series D Preferred Stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(N)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>London
Banking Day</I>&rdquo; shall mean any day on which commercial banks are open dealings in deposits in U.S. dollars in the London
interbank market.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(O)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Nonpayment</I>&rdquo;
shall have the meaning set forth in Section (5)(B) hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(P)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Optional
Redemption</I>&rdquo; shall have the meaning set forth in Section (4)(A) hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(Q)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Parity
Stock</I>&rdquo; shall mean any class or series of the Corporation&rsquo;s capital stock that ranks on a par with the Series D
Preferred Stock in the payment of dividends and in the distribution of assets on the liquidation, dissolution or winding up of
the Corporation, which shall include the Series A Preferred Stock, the Series B Preferred Stock, the Series C Preferred Stock and
the Series E Preferred Stock and any other class or series of the Corporation&rsquo;s capital stock hereafter authorized that ranks
on a par with the Series D Preferred Stock in the payment of dividends and in the distribution of assets on any liquidation, dissolution
or winding up of the Corporation.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(R)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Preferred
Stock Directors</I>&rdquo; shall have the meaning set forth in Section (5)(B) hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(S)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Regulatory
Capital Treatment Event</I>&rdquo; shall mean a good faith determination by the Corporation that, as a result of any (i) amendment
to, clarification of, or change (including any announced prospective 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 the Series
D Preferred Stock&#894; (ii) proposed change in those laws or regulations that is announced or becomes effective after the initial
issuance of the Series D Preferred Stock&#894; or (iii) official administrative decision or judicial decision or administrative
action or other official pronouncement interpreting or applying those laws or regulations that is announced or becomes effective
after the initial issuance of the Series D Preferred Stock, there is more than an insubstantial risk that the Corporation <I>shall</I>
not be entitled to treat the full liquidation value of the Series D Preferred Stock then outstanding as &ldquo;Tier 1 Capital&rdquo;
(or its equivalent) for purposes of the capital adequacy laws or regulations of the Board of Governors of the Federal Reserve System
(or, as and if applicable, the capital adequacy laws or regulations of any successor appropriate federal banking agency), as then
in effect and applicable, for as long as any share of Series D Preferred Stock is outstanding.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(T)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Regulatory
Event Redemption</I>&rdquo; shall have the meaning set forth in Section (4)(B) hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(U)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Spread</I>&rdquo;
shall have the meaning set forth in Section (2)(A) hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(V)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Three-month
LIBOR</I>&rdquo; shall mean, for each Dividend Determination Date related to the Floating-Rate Period, the rate determined by the
Calculation Agent as follows:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
London interbank offered rate for deposits in U.S. dollars for a three month period, as that rate appears on Reuters screen page
&ldquo;LIBOR01&rdquo; (or any successor or replacement page) at approximately 11:00 a.m., London time, on the relevant Dividend
Determination Date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
no offered rate appears on Reuters screen page &ldquo;LIBOR01&rdquo; (or any successor or replacement page) on the relevant
Dividend Determination Date at approximately 11:00 a.m., London time, then the Calculation Agent, in consultation with the
Corporation, shall select four major banks in the London interbank market and shall request each of their principal London
offices to provide a quotation of the rate at which three-month deposits in U.S. dollars in amounts of at least $1,000,000
are offered by it to prime banks in the London interbank market, on that date and at that time. If at least two quotations
are provided, Three-month LIBOR shall be the arithmetic average (rounded upward if necessary to the nearest .00001 of 1%) of
the quotations provided. Otherwise, the Calculation Agent in consultation with the Corporation shall select three major banks
in New York City and shall request each of them to provide a quotation of the rate offered by it at approximately 11:00 a.m.,
New York City time, on the Dividend Determination Date for loans in U.S. dollars to leading European banks for a three month
period for the applicable Dividend Period in an amount of at least $1,000,000. If three quotations are provided, Three-month
LIBOR shall be the arithmetic average of the quotations provided. Otherwise, if a LIBOR Event (as</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify">defined below) has not
occurred, Three-month LIBOR for the next Dividend Period shall be equal to Three-month LIBOR in effect for the then-current
Dividend Period or, in the case of the first Dividend Period in the Floating Rate Period, the most recent rate on which
Three-month LIBOR could have been determined in accordance with the first sentence of this Section had the dividend rate been
a floating rate during the Fixed Rate Period.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding
clauses (1) and (2) above, if the Corporation, in its sole discretion, determines on the relevant Dividend Determination Date that
the Three-month LIBOR has been permanently discontinued or is no longer viewed as an acceptable benchmark for securities like the
Series D Preferred Stock, and the Corporation has notified the Calculation Agent (if it is not the Corporation) of such determination
(a &ldquo;<I>LIBOR Event</I>&rdquo;), then the Calculation Agent will use, as directed by the Corporation, as a substitute or successor
base rate (the &ldquo;<I>Alternative Rate</I>&rdquo;) for each future Dividend Determination Date, the alternative reference rate
selected by the central bank, reserve bank, monetary authority or any similar institution (including any committee or working group
thereof) that is consistent with market practice regarding a substitute for the Three-month LIBOR. As part of such substitution,
the Calculation Agent will, as directed by the Corporation, make such adjustment to the Alternative Rate or the spread thereon,
as well as the business day convention, the Dividend Determination Date and related provisions and definitions (&ldquo;<I>Adjustments</I>&rdquo;),
in each case that are consistent with market practice for the use of such Alternative Rate. Notwithstanding the foregoing, if the
Calculation Agent determines that there is no alternative reference rate selected by the central bank, reserve bank, monetary authority
or any similar institution (including any committee or working group thereof) that is consistent with market practice regarding
a substitute for Three-month LIBOR, the Corporation may, in its sole discretion, appoint an independent financial advisor (&ldquo;<I>IFA</I>&rdquo;)
to determine an appropriate Alternative Rate and any Adjustments, and the decision of the IFA will be binding on the Corporation,
the Calculation Agent and the holders of the Series D Preferred Stock. If on any Dividend Determination Date during the Floating-Rate
Period (which may be the first Dividend Determination Date of the Floating-Rate Period) a LIBOR Event has occurred prior to such
Dividend Determination Date and for any reason an Alternative Rate has not been determined or there is no such market practice
for the use of such Alternative Rate (and, in each case, an IFA has not determined an appropriate Alternative Rate and Adjustments
or an IFA has not been appointed) as of such Dividend Determination Date, then commencing on such Dividend Determination Date the
dividend rate, Business Day convention and manner of calculating dividends applicable during the Fixed-Rate Period will be in effect
for the applicable Dividend Period and will remain in effect during the remainder of the Floating-Rate Period. The establishment
of Three-month LIBOR for each Dividend Period by the Calculation Agent (including, for the avoidance of doubt, at the direction
of the Corporation in the case of clause (2)) or IFA, as applicable, shall (in the absence of manifest error) be final and binding.
For the avoidance of doubt, any Adjustments made pursuant to clause (2) of the definition of &ldquo;Three-month LIBOR&rdquo; shall
not be subject to the vote or consent of the holders of Series D Preferred Stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 72pt">(W)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Voting
Parity Stock</I>&rdquo; shall have the meaning set forth in Section (5)(B) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; 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">Section 2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Dividends</U>.</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 0 0 36pt; text-align: justify; text-indent: 36pt">(A)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Holders
of the Series D Preferred Stock shall be entitled to receive, only when, as, and if declared by the Corporation&rsquo;s
Board of Directors (or a duly authorized committee thereof), out of assets legally available under applicable law for
payment, non-cumulative cash dividends based on the Liquidation Preference, and no more, at a rate equal to (1) 6.100% per
annum, for each semi-annual Dividend Period occurring from, and including, May 1, 2020 to, but excluding, May 1, 2024 (the
&ldquo;<I>Fixed Rate Period</I>&rdquo;), and (2) thereafter, Three-month LIBOR plus a spread of 385.9 basis points per annum
(the &ldquo;<I>Spread</I>&rdquo;), for each quarterly Dividend Period beginning May 1, 2024 (the &ldquo;<I>Floating Rate
Period</I>&rdquo;) , subject to potential adjustment as provided in clause (3) of the definition of three-month LIBOR .</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(B)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;When,
as, and if declared by the Corporation&rsquo;s Board of Directors (or a duly authorized committee thereof), the Corporation shall
pay cash dividends on the Series D Preferred Stock (i) semi-annually, in arrears, on May 1 and November 1 of each year, beginning
on November 1, 2020 and ending on</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify">May 1, 2024, and (ii) quarterly, in arrears, on February 1, May 1, August 1, and November 1,
beginning on August 1, 2024, subject to potential adjustment as provided in clause (3) of the definition of three-month LIBOR (each
such date, a &ldquo;<I>Dividend Payment Date</I>&rdquo;). The Corporation shall pay cash dividends to the holders of record of
shares of the Series D Preferred Stock as such holders appear on the Corporation&rsquo;s stock register on the applicable record
date, which shall be the fifteenth calendar day before that Dividend Payment Date or such other record date fixed by our Board
of Directors (or a duly authorized committee thereof) that is not more than 60 nor less than 10 days prior to such Dividend Payment
Date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(C)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
any Dividend Payment Date on or prior to May 1, 2024 is a day that is not a Business Day, then the dividend with respect to that
Dividend Payment Date shall instead be paid on the immediately succeeding Business Day, without interest or other payment in respect
of such delayed payment. If any Dividend Payment Date after May 1, 2024 is a day that is not a Business Day, then the Dividend
Payment Date shall be the immediately succeeding Business Day unless such day falls in the next calendar month, in which case the
Dividend Payment Date shall instead be the immediately preceding day that is a Business Day, and dividends will accumulate to the
Dividend Payment Date as so adjusted.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(D)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Corporation shall calculate dividends on the Series D Preferred Stock for the Fixed Rate Period on the basis of a 360-day year
of twelve 30-day months. The Corporation shall calculate dividends on the Series D Preferred Stock for the Floating Rate Period
on the basis of the actual number of days in a Dividend Period and a 360-day year, subject to potential adjustment as provided
in clause (3) of the definition of three-month LIBOR. Dollar amounts resulting from such calculation shall be rounded to the nearest
cent, with one-half cent being rounded upward.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(E)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Dividends
on the Series D Preferred Stock shall not be cumulative or mandatory. If the Corporation&rsquo;s Board of Directors (or a duly
authorized committee thereof) does not declare a dividend on the Series D Preferred Stock for any Dividend Period prior to the
related Dividend Payment Date, that dividend shall not accumulate, and the Corporation shall have no obligation to pay a dividend
for that Dividend Period at any time, whether or not dividends on the Series D Preferred Stock or any other series of our preferred
stock or common stock are declared for any future Dividend Period.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(F)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Dividends
on the Series D Preferred Stock shall accumulate from May 1, 2020 at the then-applicable dividend rate on the liquidation preference
amount of $10,000 per share (equivalent to $25 per depositary share). If the Corporation issues additional shares of the Series
D Preferred Stock, dividends on those additional shares shall accumulate from the original issue date of those additional shares
at the then-applicable dividend rate.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(G)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
dividend rate for each Dividend Period in the Floating Rate Period shall be determined by the Calculation Agent using Three-month
LIBOR as in effect on the second London Banking Day prior to the beginning of the Dividend Period, which date shall be the &ldquo;<I>Dividend
Determination Date</I>&rdquo; for the relevant Dividend Period. The Calculation Agent then shall add Three-month LIBOR as determined
on the Dividend Determination Date and the applicable Spread. Once the dividend rate for the Series D Preferred Stock is determined,
the Calculation Agent shall deliver that information to the Corporation and the Transfer Agent. Absent manifest error, the determination
by the Calculation Agent (or, for the avoidance of doubt, by the IFA in the case of Section (1)(Y)(iii) above) of the dividend
rate for a Dividend Period for the Series D Preferred Stock shall be final.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(H)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;During
any Dividend Period, so long as any share of Series D Preferred Stock remains outstanding unless (1) the full dividends for
the immediately preceding Dividend Period on all outstanding shares of Series D preferred stock have been paid in full or
declared, and funds sufficient for the payment of those dividends set aside; and (2) we are not in default on our obligation
to redeem any shares of Series D preferred stock that have been called for redemption,</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;no
dividend shall be declared and paid or set aside for payment and no distribution shall be declared and made or set aside for payment
on any Junior Stock (other than a dividend payable solely in</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify">shares of Junior Stock or any dividend in connection with the implementation
of a shareholder rights plan or the redemption or repurchase of any rights under such a plan);</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(ii)&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 as a result of a reclassification of Junior Stock for or into other Junior Stock, or the exchange for or
conversion into Junior Stock, through the use of the proceeds of a substantially contemporaneous sale of other shares of Junior
Stock or pursuant to a contractually binding requirement to buy Junior Stock pursuant to a binding stock repurchase plan existing
prior to the most recently completed Dividend Period), 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: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;no
shares of Parity Stock shall be repurchased, redeemed or otherwise acquired for consideration by the Corporation (other than pursuant
to pro rata offers to purchase all, or a pro rata portion, of the Series D Preferred Stock and such Parity Stock, through the use
of the proceeds of a substantially contemporaneous sale of other shares of Parity Stock or Junior Stock, as a result of a reclassification
of Parity Stock for or into other Parity Stock, or by conversion into or exchange for Junior Stock), during a Dividend Period.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 36pt">The foregoing limitations shall not
apply to purchases or acquisitions of the Corporation&rsquo;s Junior Stock pursuant to any employee or director incentive or benefit
plan or arrangement (including any of the Corporation&rsquo;s employment, severance, or consulting agreements) of the Corporation
or of any of the Corporation&rsquo;s subsidiaries heretofore or hereafter adopted.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(I)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as provided below, for so long as any share of Series D Preferred Stock remains outstanding, the Corporation shall not declare,
pay, or set aside for payment full dividends on any Parity Stock unless the Corporation has paid in full, or set aside funds sufficient
for payment in full, in respect of all accumulated dividends for all Dividend Periods for outstanding shares of Series D Preferred
Stock. To the extent that the Corporation declares dividends on the Series D Preferred Stock and on any Parity Stock but cannot
make full payment of such declared dividends, the Corporation shall allocate the dividend payments on a pro rata basis among the
holders of the shares of Series D Preferred Stock and the holders of any Parity Stock then outstanding. For purposes of calculating
the pro rata allocation of partial dividend payments, the Corporation shall allocate dividend payments based on the ratio between
the then current and accumulated dividend payments due on the shares of Series D Preferred Stock and (1) in the case of cumulative
Parity Stock the aggregate of the accumulated and unpaid dividends due on any such Parity Stock and (2) in the case of non-cumulative
Parity Stock the aggregate of the declared but unpaid dividends due on any such Parity Stock. No interest shall be payable in respect
of any dividend payment on Series D Preferred Stock that may be in arrears.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(J)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject
to the foregoing conditions, and not otherwise, dividends (payable in cash, stock, or otherwise), as may be determined by the Corporation&rsquo;s
Board of Directors (or a duly authorized committee thereof), may be declared and paid on the Corporation&rsquo;s common stock and
any Junior Stock from time to time out of any funds legally available for such payment, and the holders of the Series D Preferred
Stock shall not be entitled to participate in such dividends.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">Section 3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Liquidation
Rights</U>.</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 0 0 36pt; text-align: justify; text-indent: 36pt">(A)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
the event of any voluntary or involuntary liquidation, dissolution or winding up of the Corporation, the holders of the
shares of Series D Preferred Stock then outstanding shall be entitled to be paid out of the Corporation&rsquo;s assets
legally available for distribution to the Corporation&rsquo;s shareholders, before any distribution of assets is made to
holders of common stock or any other Junior Stock, a liquidating distribution in the amount equal to the sum of (1) the
Liquidation Preference, plus (2) the sum of any declared and unpaid dividends for prior Dividend Periods prior to the
Dividend Period in which the liquidation distribution is made and any declared and unpaid dividends for the then current
Dividend Period in which the liquidation distribution is made to the date of such liquidation distribution. After payment of
the full</P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify">amount of the liquidating distributions to which they are entitled pursuant to the foregoing, the holders of Series D Preferred
Stock shall have no right or claim to any remaining assets of the Corporation.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(B)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
the event that, upon any such voluntary or involuntary liquidation, dissolution or winding up, the available assets of the Corporation
are insufficient to pay the amount of the liquidating distributions on all outstanding shares of Series D Preferred Stock and the
corresponding amounts payable on all shares of Parity Stock in the distribution of assets upon any liquidation, dissolution or
winding up of the Corporation, then the holders of the Series D Preferred Stock and such Parity Stock shall share ratably in any
such distribution of assets in proportion to the full liquidating distributions to which they respectively would be entitled.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(C)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For
the purposes of this Section (3), the merger or consolidation of the Corporation with or into any other entity or by another entity
with or into the Corporation or the sale, lease, exchange or other transfer of all or substantially all of the assets of the Corporation
(for cash, securities or other consideration) shall not be deemed to constitute the liquidation, dissolution or winding up of the
Corporation. If the Corporation enters into any merger or consolidation transaction with or into any other entity and the Corporation
is not the surviving entity in such transaction, the Series D Preferred Stock may be converted into or exchanged for preference
securities of the surviving entity or any entity, directly or indirectly, controlling such surviving entity, so long as such new
preference securities have powers, preferences and special rights that are identical to the powers, preferences and special rights
of the Series D Preferred Stock set forth herein.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Section 4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Redemption Rights</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(A)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject
to the further terms and conditions provided herein, the Corporation may redeem the Series D Preferred Stock, in whole or in part,
at its option, for cash, on any Dividend Payment Date on or after May 1, 2024, with not less than 30 days&rsquo; and not more than
60 days&rsquo; notice (&ldquo;<I>Optional Redemption</I>&rdquo;), subject to the approval of the appropriate federal banking agency,
at the redemption price provided in Section (4)(C) below. Dividends shall not accumulate on those shares of Series D Preferred
Stock so redeemed on and after the applicable redemption date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(B)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
addition, the Corporation may, redeem the Series D Preferred Stock, in whole but not in part, at its option, for cash, at any time
within 90 days following a Regulatory Capital Treatment Event, subject to the approval of the appropriate federal banking agency,
at the redemption price provided in Section (4)(C) below (a &ldquo;<I>Regulatory Event Redemption</I>&rdquo;).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(C)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
redemption price for any redemption of Series D Preferred Stock, whether an Optional Redemption or Regulatory Event Redemption,
shall be equal to (1) $10,000 per share of Series D Preferred Stock, plus any declared and unpaid dividends (without regard to
any undeclared dividends) to, but excluding, the date of redemption.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(D)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any
notice given as provided in this Section (4) shall be conclusively presumed to have been duly given, whether or not the
holder receives the notice, and any defect in the notice or in the provision of the notice, to any holder of shares of Series
D Preferred Stock designated for redemption will not affect the redemption of any other shares of Series D Preferred Stock.
Any notice provided to a holder of Series D Preferred Stock shall be deemed given on the date provided, whether or not the
holder actually receives the notice. A notice of redemption shall be given not less than 30 days and not more than 60 days
prior to the date of redemption specified in the notice, and shall specify (i) the redemption date, (ii) the redemption
price, (iii) if fewer than all shares of Series D Preferred Stock are to be redeemed, the number of shares of Series D
Preferred Stock to be redeemed and (iv) the manner in which holders of Series D Preferred Stock called for redemption may
obtain payment of the redemption price in respect of those shares. Notwithstanding anything to the <I>contrary</I> in this
paragraph, if the Series D Preferred Stock is issued in book-entry form through The Depositary Trust Company or any other
similar facility, notice of redemption may be given to the holders of Series D Preferred Stock at such time and in any manner
permitted by such facility.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(E)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
notice of redemption of any shares of Series D Preferred Stock has been given by the Corporation and if the funds necessary for
such redemption have been set aside by the Corporation in trust for the benefit of the holders of any shares of Series D Preferred
Stock, then from and after the Redemption Date such shares of Series D Preferred Stock shall no longer be outstanding for any purpose,
all dividends with respect to such shares of Series D Preferred Stock shall cease to accumulate from the Redemption Date and all
rights of the holders of such shares shall terminate, except the right to receive the Redemption Price, without interest. Series
D Preferred Stock redeemed pursuant to this Section (4) or purchased or otherwise acquired for value by the Corporation shall,
after such acquisition, have the status of authorized and unissued shares of preferred stock and may be reissued by the Corporation
at any time as shares of any series of preferred stock other than as Series D Preferred Stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(F)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
the event that fewer than all the outstanding shares of Series D Preferred Stock are to be redeemed, the shares of Series D Preferred
Stock to be redeemed shall be selected either pro rata or by lot or in such other manner as the Board of Directors (or a duly authorized
committee thereof), determines to be fair and equitable, subject to the provisions hereof. The Board of Directors (or a duly authorized
committee thereof) shall have the full power and authority to prescribe the terms and conditions upon which such shares of Series
D Preferred Stock may be redeemed from time to time.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(G)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No
holder of Series D Preferred Stock shall have the right to require the redemption of the Series D Preferred Stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">Section 5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Voting
Rights</U>.</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 0 0 36pt; text-align: justify; text-indent: 36pt">(A)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Holders
of Series D Preferred Stock shall not have any voting rights, except as set forth below or as otherwise required by the Tennessee
Business Corporation Act.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(B)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Whenever
dividends payable on the Series D Preferred Stock or any other class or series of preferred stock ranking equally with the Series
D Preferred Stock, including the Series A Preferred Stock, the Series B Preferred Stock, the Series C Preferred Stock and the Series
E Preferred Stock, as to payment of dividends, and upon which voting rights equivalent to those described in this paragraph have
been conferred and are exercisable, have not been declared and paid in an aggregate amount equal to, as to any class or series,
the equivalent of at least three Fixed Rate Periods or at least six Floating Rate Periods, as applicable, whether or not for consecutive
Dividend Periods (a &ldquo;<I>Nonpayment</I>&rdquo;), the holders of outstanding shares of the Series D Preferred Stock voting
as a class with holders of shares of any other series of our preferred stock ranking equally with the Series D Preferred Stock,
including the Series A Preferred Stock, the Series B Preferred Stock, the Series C Preferred Stock and the Series E Preferred Stock,
as to payment of dividends, and upon which like voting rights have been conferred and are exercisable (&ldquo;<I>Voting Parity
Stock</I>&rdquo;), shall be entitled to vote for the election of two additional directors of the Board of Directors on the terms
set forth in this Section (5) (and to fill any vacancies in the terms of such directorships) (the &ldquo;<I>Preferred Stock Directors</I>&rdquo;).
Holders of all series of our Voting Parity Stock shall vote as a single class. In the event that the holders of the shares of the
Series D Preferred Stock are entitled to vote as described in this Section (5), the number of members of the Corporation&rsquo;s
Board of Directors at that time shall be increased by two directors, and the holders of the Series D Preferred Stock shall have
the right, as members of that class, to elect two directors at a special meeting called at the request of the holders of record
of at least 20% of the aggregate voting power of the Series D Preferred Stock or any other series of Voting Parity Stock (unless
such request is received less than 90 days before the date fixed for the Corporation&rsquo;s next annual or special meeting of
the shareholders, in which event such election shall be held at such next annual or special meeting of the shareholders), provided
that the election of any Preferred Stock Directors shall not cause the Corporation to violate the corporate governance requirements
of the New York Stock Exchange (or any other exchange on which the securities of the Corporation may at such time be listed)
that listed companies must have a majority of independent directors, and provided further that at no time shall the Board of
Directors include more than two Preferred Stock Directors.</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(C)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Preferred Stock Directors elected at any such special meeting shall hold office until the next annual meeting of the Corporation&rsquo;s
shareholders unless they have been previously terminated or removed pursuant to Section (5)(D). In case any vacancy in the office
of a Preferred Stock Director occurs (other than prior to the initial election of the Preferred Stock Directors), the vacancy may
be filled by the written consent of the Preferred Stock Director remaining in office, or if none remains in office, by the vote
of the holders of the Series D Preferred Stock (together with holders of any Voting Parity Stock) to serve until the next annual
meeting of the shareholders.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(D)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;When
the Corporation has paid full dividends on the Series D Preferred Stock for the equivalent of at least two Fixed Rate Periods or
at least four Floating Rate Periods, as applicable, following a Nonpayment, then the right of the holders of Series D Preferred
Stock to elect the Preferred Stock Directors set forth in this Section (5) shall cease (except as provided by law and subject always
to the same provisions for the vesting of the special voting rights in the case of any future Nonpayment). Upon termination of
the right of the holders of the Series D Preferred Stock and Voting Parity Stock to vote for Preferred Stock Directors as set forth
in this Section (5), the term of office of all Preferred Stock Directors then in office elected by only those holders shall terminate
immediately. Whenever the term of office of the Preferred Stock Directors ends and the related voting rights have expired, the
number of directors automatically will be decreased to the number of directors as otherwise would prevail. 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 the Series
D Preferred Stock (together with holders of any Voting Parity Stock) when they have the voting rights described in Section (5)(B).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(E)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;So
long as any shares of Preferred Stock remain outstanding, the Corporation shall not, without the affirmative vote or consent of
holders of at least 66 2/3% in voting power of the Series D Preferred Stock and any Voting Parity Stock, voting together as a single
class, given in person or by proxy, either in writing without a meeting or at any meeting called for the purpose, authorize, create
or issue any capital stock ranking senior to the Series D Preferred Stock as to dividends or the distribution of assets upon liquidation,
dissolution or winding up, or reclassify any authorized capital stock into any such shares of such capital stock or issue any obligation
or security convertible into or evidencing the right to purchase any such shares of capital stock. Further, so long as any shares
of the Series D Preferred Stock remain outstanding, the Corporation shall not, without the affirmative vote of the holders of at
least 66 2/3% in voting power of the Series D Preferred Stock, amend, alter or repeal any provision of these Articles of Amendment
or the Restated Charter of the Corporation, including by merger, consolidation or otherwise, so as to affect the powers, preferences
or special rights of the Series D Preferred Stock. Notwithstanding the foregoing, (i) any increase in the amount of authorized
common stock or authorized preferred stock, or any increase or decrease in the number of shares of any series of preferred stock,
or the authorization, creation and issuance of other classes or series of capital stock, in each case ranking on parity with or
junior to the shares of the Series D Preferred Stock as to dividends and distribution of assets upon liquidation, dissolution or
winding up, shall not be deemed to affect such powers, preferences or special rights and (ii) a merger or consolidation of the
Corporation with or into another entity in which the shares of the Series D Preferred Stock (A) remain outstanding or (B) are converted
into or exchanged for preference securities of the surviving entity or any entity, directly or indirectly, controlling such surviving
entity, so long as such new preference securities have powers, preferences and special rights that are identical to the powers,
preferences and special rights of the Series D Preferred Stock set forth herein shall not be deemed to affect the powers, preferences
or special rights of the Series D Preferred Stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(F)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notice
for a special meeting to elect the Preferred Stock Directors shall be given in a similar manner to that provided in the Corporation&rsquo;s
By-laws for a special meeting of the shareholders. If the secretary of the Corporation does not call a special meeting within 20
days after receipt of any such request, then any holder of Series D Preferred Stock may (at the Corporation&rsquo;s expense) call
such meeting, upon notice as provided in this Section (5)(F), and for that purpose shall have access to the stock register of the
Corporation.</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">(G)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as otherwise set forth in Section (5)(F) hereof, the rules and procedures for calling and conducting any meeting of the holders
of Series D 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 that the Board of Directors of the Corporation (or a duly authorized committee
thereof), in its discretion, may adopt from time to time, which rules and procedures shall conform to the requirements of the Restated
Charter of the Corporation, the By-laws of the Corporation, and applicable laws and the rules of any national securities exchange
or other trading facility on which Series D Preferred Stock is listed or traded at the time.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36pt">Section 6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Conversion
Rights</U>.</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 0 0 36pt; text-align: justify; text-indent: 36pt">The holders of
Series D Preferred Stock shall not have any rights to convert such shares into shares of any other class or series of stock or
into any other securities of, or any interest or property in, the Corporation.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Section 7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No Sinking Fund</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 72pt">No sinking fund shall be
established for the retirement or redemption of Series D Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; 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">Section 8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <U>No Preemptive
or Subscription Rights</U>.</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 0 0 36pt; text-align: justify; text-indent: 36pt">No holder of Series
D Preferred Stock of the Corporation shall, as such holder, have any preemptive right to purchase or subscribe for any additional
shares of stock of the Corporation or any other security of the Corporation that it may issue or sell.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Section 9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Information Rights</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">During any period
in which we are not subject to Section 13 or 15(d) of the Exchange Act and any shares of Series D preferred stock are outstanding,
we will use commercially reasonable efforts to provide any requesting beneficial owner a copy of our most recently filed &ldquo;Consolidated
Financial Statements for Holding Companies-FR Y-9C&rdquo; and &ldquo;Consolidated Reports of Condition and Income for a Bank With
Domestic Offices Only-FFIEC 041,&rdquo; in each case or any applicable successor form.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Section 10.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No Other Rights</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt">The Series D Preferred
Stock shall not have any designations, preferences or relative, participating, optional or other special rights except as set forth
herein or in the Corporation&rsquo;s Restated Charter or as otherwise required by applicable law.</P>
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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: right"><B>Exhibit 3.3</B></P>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>(As Amended and Restated Effective July 1,
2020)</B></P>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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


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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><B>2.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Special Meetings</U>. </B>Special meetings
of the shareholders for any purpose or purposes, unless otherwise prescribed by statute, may be called by Chairman of the Board
and shall be called by the Chairman of the Board or the Secretary at the request in writing of a majority of the Board of Directors.
Only such business within the purpose or purposes described in the notice of the meeting may be conducted at the meeting.</P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><B>2.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Procedures for Bringing Business before
Shareholder Meeting</U>. </B>At an annual or special meeting of shareholders, only such business shall be conducted, and only such
proposals shall be acted upon, as shall have been properly brought before an annual or special meeting of shareholders. To be properly
brought before an annual or special meeting of shareholders, business (other than nomination of a director, which is governed by
Sections 3.6 and 3.16) must be (i) in the case of a special meeting called by the Chairman of the Board or at the request of the
Board of Directors, specified in the notice of the special meeting (or any supplement thereto), or (ii) in the case of an annual
meeting properly brought before the meeting by or at the direction of the Board of Directors or (iii) otherwise properly brought
before the annual or special meeting by a shareholder. For business to be properly brought before such a meeting of shareholders
by a shareholder, the shareholder must have given timely notice thereof in writing to the Secretary of the Corporation. To be timely,
a shareholder&rsquo;s notice must be delivered to or mailed and received at the principal executive offices of the Corporation
not less than 90 days nor more than 120 days prior to the date of the meeting; provided, however, that if fewer than 100 days&rsquo;
notice or prior public disclosure of the date of the meeting is given or made to shareholders, notice by the shareholders to be
timely must be so delivered or received not later than the close of business on the 10th day following the earlier of (i) the day
on which such notice of the date of such meeting was mailed or (ii) the day on which such public disclosure was made. A shareholder&rsquo;s
notice to the Secretary shall set forth as to each matter the shareholder proposes to bring before a meeting of shareholders (i)
a brief description of the business desired to be brought before the meeting and the reasons for conducting such business at the
meeting, (ii) the name and address, as they appear on the Corporation&rsquo;s books, of the shareholder proposing such business
and any other shareholders known by such shareholder to be supporting such proposal, (iii) the class and number of shares of the
Corporation which are beneficially owned by such shareholder on the date of such shareholder&rsquo;s notice and by any other shareholders
known by such shareholder to be supporting such proposal on the date of such shareholder&rsquo;s notice, and (iv) any material
interest of the shareholder in such proposal. Notwithstanding anything in these Bylaws to the contrary, no
</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">business shall be conducted at a meeting of shareholders except
in accordance with the procedures set forth in this Section 2.8. The Chairman of the meeting shall, if the facts warrant, determine
and declare to the meeting that the business was not properly brought before the meeting in accordance with the procedures prescribed
by these Bylaws, and if the Chairman should so determine, the Chairman shall so declare to the meeting and any such business not
properly brought before the meeting shall not be transacted. The nomination of a director at an annual or special meeting shall
be governed by Sections 3.6 and 3.16. Beneficial ownership for the purpose of this Section 2.8 shall be determined in accordance
with Section 3.16(c)(iv).</P>

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

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><B>3.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Number and Qualifications</U>. </B>As
provided in Section 3.17, the Board of Directors shall consist of seventeen members. Except as otherwise provided in Section 3.17:
the Board of Directors has the power to change from time to time the number of directors specified in the preceding sentence; and,
any such change in the number of directors constituting the Corporation&rsquo;s Board Directors must be made exclusively by means
of an amendment to these Bylaws adopted by a majority of the entire Board of Directors then in office. Directors need not be shareholders
of the Corporation nor residents of the State of Tennessee.</P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><B>3.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Committees</U>. </B>Except as otherwise
provided in Section 3.17(e), the directors, by resolution adopted by a majority of the entire Board of Directors, may designate
an executive committee and other committees, consisting of one or more directors, and may delegate to such committee or</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">committees all such authority of the Board of Directors that it
deems desirable, including, without limitation, authority to appoint corporate officers, fix their salaries, and, to the extent
such is not provided by law, the Charter or these Bylaws, to establish their authority and responsibility, except that no such
committee or committees shall have and exercise the authority of the Board of Directors to:</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 36pt; text-align: left; vertical-align: top">(a)</TD>
    <TD>authorize distributions (which include dividend declarations), except according to a formula or method
    prescribed by the Board of Directors,</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top">(b)</TD>
    <TD>fill vacancies on the Board of Directors or on any of its committees,</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top">(c)</TD>
    <TD>adopt, amend or repeal bylaws,</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top">(d)</TD>
    <TD>authorize or approve the reacquisition of shares, except according to a formula or method prescribed by the Board of Directors,
    or</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top">(e)</TD>
    <TD>authorize or approve the issuance or sale or contract for sale of shares, or determine the designation and relative rights,
    preferences and limitations of a class or series of shares, except that the Board of Directors may authorize a committee to
    do so within limits specifically prescribed by the Board of Directors.</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top"><B>3.6</B></TD>
    <TD><B><U>Procedures for Director Nominations</U>.</B></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except as provided in Section 3.7 with
respect to vacancies on the Board of Directors, and except as otherwise provided in Section 3.17, only persons nominated in accordance
with this Section 3.6 shall be eligible for election as directors. Nominations of persons for election to the Board of Directors
may be made (i) at any meeting of shareholders by or at the direction of the Board of Directors, (ii) at any meeting of shareholders
by any shareholder of the Corporation entitled to vote for the election of directors at such meeting who complies with the procedures
set forth in this Section 3.6, or (iii) commencing with the annual meeting of shareholders to be held in 2020, at an annual meeting
of shareholders by any Nominating Shareholder (as defined in Section 3.16 of these Bylaws) who satisfies the requirements set forth
in Section 3.16 of these Bylaws.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For nominations to be properly brought
before a meeting by a shareholder pursuant to clause (ii) of Section 3.6(a) above, the shareholder must give timely notice in writing
to the Secretary of the Corporation. To be timely, a shareholder&rsquo;s notice must be delivered to or mailed and received at
the principal executive offices of the Corporation not less than 90 days nor more than 120 days prior to the date of a meeting;
provided, however, that if fewer than 100 days&rsquo; notice or prior public disclosure of the date of the meeting is given or
made to shareholders, notice by the shareholder to be timely must be so delivered or received not later than the close of business
on the 10th day following the earlier of (i) the day on which such notice of the date of such meeting was mailed or (ii) the day
on which such public disclosure was made. In addition, such shareholder&rsquo;s notice to the Secretary shall set forth (i) as
to each person whom the shareholder proposes to nominate for election or reelection as a director (a) the name, age, business address
and residence address of such person, (b) the principal occupation or employment of such person, (c) the class and number of shares
of the Corporation which are beneficially owned by such person on the date of such shareholder&rsquo;s notice and (d) any other
information relating to such person that is required to be disclosed in solicitations of proxies for election of directors or,
is otherwise required, in each case pursuant to Regulation 14A under the Securities Exchange Act of 1934, as amended (including,
without limitation, such person&rsquo;s written consent to being named in the proxy statement as a nominee and to serving as a
director if elected); and (ii) as to the shareholder giving the notice (a) the name and address, as they appear on the Corporation&rsquo;s
books, of such shareholder and any other shareholders known by such shareholder to be supporting such nominees and (b) the class
and number of<BR CLEAR="ALL" STYLE="page-break-before: always">
</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">shares of the Corporation which are beneficially owned by such shareholder
on the date of such shareholder&rsquo;s notice and by any other shareholders known by such shareholder to be supporting such nominees
on the date of such shareholder&rsquo;s notice. The Corporation may require any proposed director nominee to furnish such other
information as it may reasonably require to determine the eligibility of such proposed nominee to serve as an independent director
of the Corporation and to comply with applicable law. Beneficial ownership for purposes of this Section 3.6 shall be determined
in accordance with Section 3.16(c)(iv).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except as provided in Section 3.7 with
respect to vacancies on the Board of Directors, no person shall be eligible for election as a director of the Corporation unless
nominated in accordance with this Section 3.6 or, commencing with the annual meeting of shareholders to be held in 2020, Section
3.16. The Chairman of the meeting shall, if the facts warrant, determine and declare to the meeting that a nomination was not made
in accordance with the procedures prescribed by these Bylaws, and if the Chairman should so determine, the Chairman shall so declare
to the meeting and the defective nomination shall be disregarded.</P>

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

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

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

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

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

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

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

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


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><B>3.11&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Special Meetings</U>. </B>Special
meetings of the Board of Directors may be called by the Chairman of the Board, the Chief Executive Officer, or the President, and
shall be called by the Chairman of the Board or Secretary on the written request of a majority of directors then in office. Special
meetings of any committee of the Board of Directors may be called by the person or persons specified in the resolution of the Board
of Directors establishing the committee or, for any standing committee, by its chair. Advance notice of any special meeting shall
be given to each director or committee member, as appropriate, as provided in this section. The person or persons calling the meeting,
or the Secretary, shall endeavor in good faith to provide at least two days&rsquo; advance notice, if practicable. In any case,
each special meeting shall be called on at least two hours&rsquo; advance notice, given personally or by telephone, by facsimile
transmission, by any means of physical delivery, or by any means of electronic transmission. The notice shall state the day and
hour of the meeting and the place where the meeting is to be held. Special meetings of the directors may be held at any time on
written waiver of notice or by consent of all the directors, either of which may be given before, at the time of, or after the
meeting. Electronic transmission to a director may be by electronic mail or message to an address provided by the director, or
by any other electronic transmission method to which the director has consented. Each director is deemed to agree and consent to
receive a notice of any meeting in electronic form delivered by electronic transmission, provided however that a director may deliver
to the Secretary and the Chairman of the Board an explicit objection to such form or delivery method, in which case notice will
be given to that director in another form or by another method, as applicable. Any such objection shall apply only to the meeting
to which it relates unless it explicitly provides for ongoing effect; no such ongoing objection shall continue in effect after
the director&rsquo;s then-current term ends.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 36pt"><B>3.12</B></TD>
    <TD><B><U>Action without a Meeting</U>.<U> </U></B></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR>
    <TD STYLE="vertical-align: top; width: 45pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 27pt">(i)</TD>
    <TD STYLE="vertical-align: bottom">A written consent may be signed manually or by facsimile. For this purpose
    &ldquo;facsimile&rdquo; includes any image of a manual signature, whether on paper or in an electronic format.</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">(ii)</TD>
    <TD STYLE="vertical-align: bottom">A written consent may be signed electronically as permitted by law, except to the extent
    explicitly limited by these bylaws or by Board action. Examples of electronic signatures include: the manual signature of
    the director created and placed on an electronic written consent using a stylus or otherwise; the typed or other written name
    of the director appearing in an email, text message, or other electronic communication where the context indicates the director&rsquo;s
    intent for the name to constitute or have the effect of a signature; and, within any electronic system which the Secretary
    or any Assistant Secretary has selected to use for this purpose, marking or otherwise indicating electronically the director&rsquo;s
    approval, disapproval, or other vote. Neither such communication, nor any vote record created or retained by the system, need
    include the text of or a copy of the written consent which is signed electronically so long as the Authorized Recipient can
    reasonably determine the relationship of the signature to the consent signed.</TD></TR>
</TABLE>



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<TR>
    <TD STYLE="vertical-align: top; width: 45pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 27pt">(iii)</TD>
    <TD STYLE="vertical-align: bottom">A signed written consent on any physical medium may be delivered by any physical
    means. </TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">(iv)</TD>
    <TD STYLE="vertical-align: bottom">A facsimile of a signed written consent may be delivered by any physical means or by any
    electronic transmission, subject to paragraph (vi). Examples of the latter include:&nbsp;&nbsp;transmitting to an Authorized
    Recipient by email a scanned image of the manually signed written consent or of a manually signed signature page thereof;
    and, transmitting to an Authorized Recipient by email the electronic written consent document with the director&rsquo;s signature,
    or a facsimile, electronically placed within the document. </TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">(v)</TD>
    <TD STYLE="vertical-align: bottom">If a written consent is signed electronically, delivery to the Corporation may be accomplished
    by any electronic transmission, subject to paragraph (vi). For example, the transmission by a director to an Authorized Recipient
    of an email which refers to a written consent document previously delivered to the director, which indicates his or her vote(s)
    or recusal, and which includes an electronic signature would be an acceptable means of delivery. </TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">(vi)</TD>
    <TD STYLE="vertical-align: bottom">In the case of any delivery by electronic transmission: (A) the recipient must be able
    to receive and interpret the transmission either by using the Corporation&rsquo;s equipment and systems or by using other
    equipment and systems which the recipient has available and is willing to use for this purpose; and (B) transmission may be
    to the recipient&rsquo;s Corporation-provided email address or text-enabled device, or (to the extent permitted by the recipient
    either before or after receipt) may be to the recipient&rsquo;s personal email address or text-enabled device. In the latter
    case, the recipient&rsquo;s permission may be express or implied from his or her actions following receipt.</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

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

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

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

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

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

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

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


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

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

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 36pt"><B>3.16</B></TD>
    <TD><B><U>Shareholder Nominations Included in the Corporation&rsquo;s Proxy Materials.</U></B></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><B>&nbsp;</B></P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR>
    <TD STYLE="vertical-align: top; width: 45pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 27pt">(i)</TD>
    <TD STYLE="vertical-align: bottom">the names of any person or persons nominated for election (each, a &ldquo;Nominee&rdquo;),
    which shall also be included on the Corporation&rsquo;s form of proxy and ballot, by any Eligible Holder (as defined below)
    or group of up to 20 Eligible Holders that has (individually and collectively, in the case of a group) satisfied, as determined
    by the Board of Directors, all applicable conditions and complied with all applicable procedures set forth in this Section
    (such Eligible Holder or group of Eligible Holders being a &ldquo;Nominating Shareholder&rdquo;);</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">(ii)</TD>
    <TD STYLE="vertical-align: bottom">disclosure about each Nominee and the Nominating Shareholder required under the rules of
    the SEC or other applicable law to be included in the proxy statement;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">(iii)</TD>
    <TD STYLE="vertical-align: bottom">any statement included by the Nominating Shareholder in the Nomination Notice for inclusion
    in the proxy statement in support of each Nominee&rsquo;s election to the Board of Directors (subject, without limitation,
    to Section 3.16(e)(ii)), if such statement does not exceed 500 words and fully complies with Section 14 of the Securities
    Exchange Act of 1934 and the rules and regulations thereunder, including Rule 14a-9 (the &ldquo;Supporting Statement&rdquo;);
    and</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">(iv)</TD>
    <TD STYLE="vertical-align: bottom">any other information that the Corporation or the Board of Directors determines, in their
    discretion, to include in the proxy statement relating to the nomination of each Nominee, including, without limitation, any
    statement in opposition to the nomination, any of the information provided pursuant to this Section and any solicitation materials
    or related information with respect to a Nominee.</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 72pt; text-indent: -31.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">For purposes of this Section 3.16, any determination to be made
by the Board of Directors may be made by the Board of Directors, a committee of the Board of Directors or any officer of the Corporation
designated by the Board of Directors or a committee of the Board of Directors.</P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR>
    <TD STYLE="vertical-align: top; width: 45pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 27pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">(i)</TD>
    <TD STYLE="vertical-align: bottom">The Corporation shall not be required to include in the proxy statement for an annual meeting
    of shareholders more Nominees than that number of directors constituting the greater of (i) two or (ii) 20% of the total number
    of directors of the Corporation on the</TD></TR>
</TABLE>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR>
    <TD STYLE="width: 45pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 27pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">last day on which a Nomination Notice may be submitted pursuant to this Section (rounded down to the nearest whole number) (the &ldquo;Maximum Number&rdquo;). The Maximum Number for a particular annual meeting shall be reduced by: (1) Nominees who the Board of Directors itself decides to nominate for election at such annual meeting; (2) Nominees who, after becoming a Nominee, cease to satisfy, or Nominees of Nominating Shareholders that, after becoming Nominating Shareholders, cease to satisfy, the eligibility requirements in this Section 3.16, as determined by the Board of Directors; (3) Nominees whose nomination is withdrawn by the Nominating Shareholder or who become unwilling to serve on the Board of Directors; and (4) the number of incumbent directors who had been Nominees with respect to any of the preceding two annual meetings of shareholders and whose reelection at the upcoming annual meeting is being recommended by the Board of Directors. In the event that one or more vacancies for any reason occurs on the Board of Directors after the deadline for submitting a Nomination Notice as set forth in Section 3.16(d) but before the date of the annual meeting, and the Board of Directors resolves to reduce the size of the Board in connection therewith, the Maximum Number shall be calculated based on the number of directors in office as so reduced.</FONT></TD></TR>
<TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(ii)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">If the number of Nominees pursuant to this Section for any annual meeting of shareholders exceeds the Maximum Number then, promptly upon notice from the Corporation, each Nominating Shareholder will select one Nominee for inclusion in the proxy statement until the Maximum Number is reached, going in order of the amount (largest to smallest) of the ownership position as disclosed in each Nominating Shareholder&rsquo;s Nomination Notice, with the process repeated if the Maximum Number is not reached after each Nominating Shareholder has selected one Nominee. If, after the deadline for submitting a Nomination Notice as set forth in Section 3.16(d), a Nominating Shareholder or a Nominee ceases to satisfy the eligibility requirements in this Section&nbsp;&nbsp;3.16, as determined by the Board of Directors, a Nominating Shareholder withdraws its nomination or a Nominee becomes unwilling to serve on the Board of Directors, whether before or after the mailing or other distribution of the definitive proxy statement, then the nomination shall be disregarded, and the Corporation: (1) shall not be required to include in its proxy statement or on any ballot or form of proxy the disregarded Nominee or any successor or replacement nominee proposed by the Nominating Shareholder or by any other Nominating Shareholder and (2) may otherwise communicate to its shareholders, including without limitation by amending or supplementing its proxy statement or ballot or form of proxy, that a Nominee will not be included as a nominee in the proxy statement or on any ballot or form of proxy and will not be voted on at the annual meeting.</FONT></TD></TR>
<TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR>
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 36pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(c)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><U>Eligibility of Nominating Shareholder</U>.</FONT></TD></TR>
</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR>
    <TD STYLE="width: 45pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 27pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(i)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">An &ldquo;Eligible Holder&rdquo; is a person who has either (1) been a record holder of the shares of common stock used to satisfy the eligibility requirements in this Section 3.16(c) continuously for the three-year period specified in Subsection (ii) below or (2) provides to the Secretary of the Corporation, within the time period referred to in Section 3.16(d), evidence of continuous ownership of such shares for such three-year period from one or more securities intermediaries in a form that the Board of Directors determines would be deemed acceptable for purposes of a shareholder proposal under Rule 14a-8(b)(2) under the Securities Exchange Act of 1934 (or any successor rule).</FONT></TD></TR>
<TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(ii)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">An Eligible Holder or group of up to 20 Eligible Holders may submit a nomination in accordance with this Section only if the person or group (in the aggregate) has</FONT></TD></TR>
</TABLE>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR>
    <TD STYLE="vertical-align: top; width: 45pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 27pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">continuously owned at least the Minimum Number (as defined below) of shares of the Corporation&rsquo;s common stock throughout the three-year period preceding and including the date of submission of the Nomination Notice, and continues to own at least the Minimum Number through the date of the annual meeting. Two or more funds that are (x) under common management and investment control, (y) under common management and funded primarily by a single employer or (z) a &ldquo;group of investment companies,&rdquo; as such term is defined in Section 12(d)(1)(G)(ii) of the Investment Company Act of 1940, as amended, shall be treated as one Eligible Holder if such Eligible Holder shall provide together with the Nomination Notice documentation reasonably satisfactory to the Corporation that demonstrates that the funds meet the criteria set forth in (x), (y) or (z) hereof. For the avoidance of doubt, in the event of a nomination by a group of Eligible Holders, any and all requirements and obligations for an individual Eligible Holder that are set forth in this Section 3.16, including the minimum holding period, shall apply to each member of such group; provided, however, that the Minimum Number shall apply to the ownership of the group in the aggregate. Should any shareholder cease to satisfy the eligibility requirements in this Section 3.16, as determined by the Board of Directors, or withdraw from a group of Eligible Holders at any time prior to the annual meeting of shareholders, the group of Eligible Shareholders shall only be deemed to own the shares held by the remaining members of the group.</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(iii)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">The &ldquo;Minimum Number&rdquo; of shares of the Corporation&rsquo;s common stock means 3% of the number of outstanding shares of common stock as of the most recent date for which such amount is given in any filing by the Corporation with the SEC prior to the submission of the Nomination Notice.</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(iv)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">For purposes of this Section 3.16, an Eligible Holder &ldquo;owns&rdquo; only those outstanding shares of the Corporation as to which the Eligible Holder possesses both:</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 72pt; text-indent: -31.5pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR>
    <TD STYLE="vertical-align: top; width: 72pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 36pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(A)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">the full voting and investment rights pertaining to the shares; and</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(B)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">the full economic interest in (including the opportunity for profit and risk of loss on) such shares;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 108pt; text-indent: -31.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 72pt">provided that the number of shares calculated in accordance
with clauses (A) and (B) shall not include any shares: (1) purchased or sold by such Eligible Holder or any of its affiliates in
any transaction that has not been settled or closed, (2) sold short by such Eligible Holder, (3) borrowed by such Eligible Holder
or any of its affiliates for any purpose or purchased by such Eligible Holder or any of its affiliates pursuant to an agreement
to resell or subject to any other obligation to resell to another person, or (4) subject to any option, warrant, forward contract,
swap, contract of sale, other derivative or similar agreement entered into by such Eligible Holder or any of its affiliates, whether
any such instrument or agreement is to be settled with shares or with cash based on the notional amount or value of outstanding
shares of the Corporation, in any such case which instrument or agreement has, or is intended to have, the purpose or effect of:
(x) reducing in any manner, to any extent or at any time in the future, such Eligible Holder&rsquo;s or any of its affiliates&rsquo;
full right to vote or direct the voting of any such shares, and/or (y) hedging, offsetting, or altering to any degree, gain or
loss arising from the full economic ownership of such shares by such Eligible Holder or any of its affiliates.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 72pt">An Eligible Holder &ldquo;owns&rdquo; shares held in the
name of a nominee or other intermediary so long as the Eligible Holder retains the right to instruct how the shares are voted with
respect to the election of directors and possesses the full economic interest in the shares. An Eligible Holder&rsquo;s ownership
of shares shall be deemed to continue during any period</P>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR>
    <TD STYLE="vertical-align: top; width: 45pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 27pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">in which the Eligible Holder has delegated any voting power by means of a proxy, power of attorney, or other similar instrument or arrangement that is revocable at any time by the Eligible Holder. An Eligible Holder&rsquo;s ownership of shares shall be deemed to continue during any period in which the Eligible Holder has loaned such shares, provided that the Eligible Holder has the power to recall such loaned shares on five business days&rsquo; notice and continues to hold such shares through the date of the annual meeting. The terms &ldquo;owned,&rdquo; &ldquo;owning&rdquo; and other variations of the word &ldquo;own&rdquo; shall have correlative meanings. Whether outstanding shares of the Corporation are &ldquo;owned&rdquo; for these purposes shall be determined by the Board.</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(v)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">No Eligible Holder shall be permitted to be in more than one group constituting a Nominating Shareholder, and if any Eligible Holder appears as a member of more than one group, it shall be deemed to be a member of the group that has the largest ownership position as reflected in the Nomination Notice.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 72pt; text-indent: -31.5pt">&nbsp;</P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR>
    <TD STYLE="width: 45pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 27pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(i)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">A Schedule 14N (or any successor form) relating to each Nominee, completed and filed with the SEC by the Nominating Shareholder as applicable, in accordance with SEC rules;</FONT></TD></TR>
<TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(ii)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">A written notice, in a form deemed satisfactory by the Board of Directors, of the nomination of each Nominee that includes the following additional information, agreements, representations and warranties by the Nominating Shareholder (including each group member):</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 72pt; text-indent: -31.5pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR>
    <TD STYLE="vertical-align: top; width: 72pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 18pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(A)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">the information required with respect to the nomination of directors pursuant to Section 3.6 of these Bylaws;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(B)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">the details of any relationship that existed within the past three years and that would have been described pursuant to Item 6(e) of Schedule 14N (or any successor item) if it existed on the date of submission of the Schedule 14N;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(C)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">a representation and warranty that the Nominating Shareholder acquired the securities of the Corporation in the ordinary course of business and did not acquire, and is not holding, securities of the Corporation for the purpose or with the effect of influencing or changing control of the Corporation;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(D)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">a representation and warranty that each Nominee&rsquo;s candidacy or, if elected, Board membership would not violate applicable state or federal law or the rules of any stock exchange on which the Corporation&rsquo;s securities are traded;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(E)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">a representation and warranty that each Nominee: </FONT></TD></TR>
</TABLE>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR>
    <TD STYLE="vertical-align: top; width: 90pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 18pt">(1)</TD>
    <TD STYLE="vertical-align: bottom">does not have any direct or indirect relationship with the Corporation other
    than those that have been deemed categorically immaterial under the Corporation&rsquo;s Categorical Standards as most recently
    published on its website and otherwise qualifies as independent under the rules of the primary stock exchange on which the
    Corporation&rsquo;s shares of common stock are traded;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">(2)</TD>
    <TD STYLE="vertical-align: bottom">meets the audit committee and compensation committee independence requirements under the
    rules of the primary stock exchange on which the Corporation&rsquo;s shares of common stock are traded;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">(3)</TD>
    <TD STYLE="vertical-align: bottom">qualifies as independent under the Federal Reserve regulations implementing Section 165(h)
    of the Dodd Frank Act (12 CFR Sec. 252.22(d));</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">(4)</TD>
    <TD STYLE="vertical-align: bottom">is a &ldquo;non-employee director&rdquo; for the purposes of Rule 16b-3 under the Securities
    Exchange Act of 1934 (or any successor rule); and</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">(5)</TD>
    <TD STYLE="vertical-align: bottom">is not and has not been subject to any event specified in Rule 506(d)(1) of Regulation
    D (or any successor rule) under the Securities Act of 1933 or Item 401(f) of Regulation S-K (or any successor rule) under
    the Securities Exchange Act of 1934, without reference to whether the event is material to an evaluation of the ability or
    integrity of such Nominee;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 117pt; text-indent: -22.5pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR>
    <TD STYLE="vertical-align: top; width: 72pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 18pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(F)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">a representation and warranty that the Nominating Shareholder satisfies the eligibility requirements set forth in Section 3.16(c) and has provided evidence of ownership to the extent required by Section 3.16(c)(i);</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(G)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">a representation and warranty that the Nominating Shareholder intends to continue to satisfy the eligibility requirements described in Section 3.16(c) through the date of the annual meeting and a statement regarding the Nominating Shareholder&rsquo;s intent with respect to continued ownership of the Minimum Number of shares for at least one year following the annual meeting;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(H)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">details of any position of a Nominee as an officer or director of any competitor (that is, any entity that produces products or provides services that compete with or are alternatives to the products produced or services provided by the Corporation or its affiliates) of the Corporation, within the three years preceding the submission of the Nomination Notice;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(I)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">a representation and warranty that the Nominating Shareholder will not engage in a &ldquo;solicitation&rdquo; within the meaning of Rule 14a-1(l) under the Securities Exchange Act of 1934 (without reference to the exception in Section 14a-1(l)(2)(iv)) (or any successor rules) with respect to the annual meeting, other than with respect to a Nominee or any nominee of the Board;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(J)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">a representation and warranty that the Nominating Shareholder will not use any proxy card other than the Corporation&rsquo;s proxy card in soliciting shareholders in connection with the election of a Nominee at the annual meeting;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(K)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">if desired, a Supporting Statement; and</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(L)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">in the case of a nomination by a group, the designation by all group members of one group member that is authorized to act on behalf of all group members with respect to matters relating to the nomination, including withdrawal of the nomination; </FONT></TD></TR>
</TABLE>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR>
    <TD STYLE="width: 45pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 27pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(iii)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">An executed agreement, in a form deemed satisfactory by the Board of Directors, pursuant to which the Nominating Shareholder (including each group member) agrees:</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 72pt; text-indent: -31.5pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR>
    <TD STYLE="vertical-align: top; width: 72pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 18pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(A)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">to comply with all applicable laws, rules and regulations in connection with the nomination, solicitation and election;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(B)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">to file any written solicitation with the Corporation&rsquo;s shareholders relating to one or more of the Corporation&rsquo;s directors or director nominees or any Nominee with the Securities and Exchange Commission, regardless of whether any such filing is required under rule or regulation or whether any exemption from filing is available for such materials under any rule or regulation;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(C)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">to assume all liability stemming from an action, suit or proceeding concerning any actual or alleged legal or regulatory violation arising out of any communication by the Nominating Shareholder or any of its Nominees with the Corporation, its shareholders or any other person in connection with the nomination or election of directors, including, without limitation, the Nomination Notice;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(D)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">to indemnify and hold harmless (jointly with all other group members, in the case of a group member) the Corporation and each of its directors, officers and employees individually against any liability, loss, damages, expenses or other costs (including attorneys&rsquo; fees) incurred in connection with any threatened or pending action, suit or proceeding, whether legal, administrative or investigative, against the Corporation or any of its directors, officers or employees arising out of or relating to a failure or alleged failure of the Nominating Shareholder or any of its Nominees to comply with, or any breach or alleged breach of, its or their obligations, agreements or representations under this Section 3.16;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(E)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">in the event that any information included in the Nomination Notice, or any other communication by the Nominating Shareholder (including with respect to any group member), with the Corporation, its shareholders or any other person in connection with the nomination or election ceases to be true and accurate in all material respects (or omits a material fact necessary to make the statements made not misleading), or that the Nominating Shareholder (including any group member) has failed to continue to satisfy the eligibility requirements described in Section 3.16(c), to promptly (and in any event within 48 hours of discovering such misstatement, omission or failure) notify the Corporation and any other recipient of such communication of (A) the misstatement or omission in such previously provided information and of the information that is required to correct the misstatement or omission or (B) such failure; and</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 94.5pt; text-indent: -22.5pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR>
    <TD STYLE="vertical-align: top; width: 45pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 27pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(iv)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">An executed agreement, in a form deemed satisfactory by the Board of Directors, by each Nominee:</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 72pt; text-indent: -31.5pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR>
    <TD STYLE="vertical-align: top; width: 72pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 18pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(A)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">to provide to the Corporation such other information and certifications, including completion of the Corporation&rsquo;s director questionnaires, as it may reasonably request;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(B)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">at the reasonable request of the Nominating&nbsp;&amp; Corporate Governance Committee, to meet with the Nominating&nbsp;&amp; Corporate Governance Committee to discuss matters relating to the nomination of such Nominee to the Board of Directors, including the information provided by such Nominee to the Corporation in connection with his or her nomination and such Nominee&rsquo;s eligibility to serve as a member of the Board of Directors;</FONT></TD></TR>
</TABLE>

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<TR>
    <TD STYLE="vertical-align: top; width: 72pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 18pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(C)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">that such Nominee has read and agrees, if elected, to serve as a member of the Board of Directors, to adhere to the Corporation&rsquo;s Corporate Governance Guidelines, Code of Business Conduct and Ethics, Procedures for the Approval, Monitoring and Ratification of Related Party Transactions, and any other Corporation policies and guidelines applicable to directors; and</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(D)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">that such Nominee is not and will not become a party to (i) any compensatory, payment or other financial agreement, arrangement or understanding with any person or entity in connection with his or her nomination, service or action as a director of the Corporation that has not been disclosed to the Corporation, (ii) any agreement, arrangement or understanding with any person or entity as to how such Nominee would vote or act on any issue or question as a director (a &ldquo;Voting Commitment&rdquo;) that has not been disclosed to the Corporation or (iii) any Voting Commitment that could limit or interfere with such Nominee&rsquo;s ability to comply, if elected as a director of the Corporation, with its fiduciary duties under applicable law.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 94.5pt; text-indent: -22.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The information and documents required by this Section 3.16(d) to
be provided by the Nominating Shareholder shall be: (i) provided with respect to and executed by each group member, in the case
of information applicable to group members; and (ii) provided with respect to the persons specified in Instruction 1 to Items 6(c)
and (d) of Schedule 14N (or any successor item) in the case of a Nominating Shareholder or group member that is an entity. The
Nomination Notice shall be deemed submitted on the date on which all the information and documents referred to in this Section
(d) (other than such information and documents contemplated to be provided after the date the Nomination Notice is provided) have
been delivered to or, if sent by mail, received by the Secretary of the Corporation.</P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR>
    <TD STYLE="width: 45pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 27pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(i)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Notwithstanding anything to the contrary contained in this Section 3.16, the Corporation may omit from its proxy statement any Nominee and any information concerning such Nominee (including a Nominating Shareholder&rsquo;s Supporting Statement) and no vote on such Nominee will occur (notwithstanding that proxies in respect of such vote may have been received by the Corporation), and the Nominating Shareholder may not, after the last day on which a Nomination Notice would be timely, cure in any way any defect preventing the nomination of such Nominee, if:</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 72pt; text-indent: -31.5pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR>
    <TD STYLE="vertical-align: top; width: 72pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 18pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(A)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">the Corporation receives a notice pursuant to Section 3.6 of these Bylaws that a shareholder intends to nominate a candidate for director at the annual meeting, whether or not such notice is subsequently withdrawn or made the subject of a settlement with the Corporation;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(B)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">the Nominating Shareholder or the designated lead group member, as applicable, or any qualified representative thereof, does not appear at the meeting of shareholders to present the nomination submitted pursuant to this Section 3.16, the Nominating Shareholder withdraws its nomination or the Chairman of the annual meeting declares that such nomination was not made in accordance with the procedures prescribed by this Section 3.16 and shall therefore be disregarded;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(C)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">the Board of Directors determines that such Nominee&rsquo;s nomination or election to the Board of Directors would result in the Corporation violating or failing to be in compliance with the Corporation&rsquo;s Bylaws or Charter (as amended and/or restated from time to time) or any applicable law, rule or regulation to which the Corporation</FONT></TD></TR>
</TABLE>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR>
    <TD STYLE="vertical-align: top; width: 72pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 18pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">is subject, including any rules or regulations of the primary stock exchange on which the Corporation&rsquo;s common stock is traded;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(D)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">such Nominee was nominated for election to the Board of Directors pursuant to this Section 3.16 at&nbsp;&nbsp;one&nbsp;&nbsp;of&nbsp;&nbsp;the&nbsp;&nbsp;Corporation&rsquo;s&nbsp;&nbsp;two&nbsp;&nbsp;preceding&nbsp;&nbsp;annual&nbsp;&nbsp;meetings&nbsp;&nbsp;of shareholders and either withdrew or became ineligible or received a vote of less than 25% of the votes cast;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(E)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">such Nominee has been, within the past three years, an officer or director of a competitor, as defined for purposes of Section 8 of the Clayton Antitrust Act of 1914,&nbsp;&nbsp;as amended; or a management official of an unaffiliated depository institution or depository institution holding company, as defined for purposes of the Depository Institutions Management Interlocks Act, as amended;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(F)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">the Corporation is notified, or the Board of Directors determines, that the Nominating Shareholder or the Nominee has failed to continue to satisfy the eligibility requirements described in Section 3.16(c), any of the representations and warranties made in the Nomination Notice ceases to be true and accurate in all material respects (or omits a material fact necessary to make the statements made not misleading), such Nominee becomes unwilling or unable to serve on the Board of Directors or any material violation or breach occurs of the obligations, agreements, representations or warranties of the Nominating Shareholder or such Nominee under this Section 3.16;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 94.5pt; text-indent: -22.5pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR>
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 36pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(ii)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Notwithstanding anything to the contrary contained in this Section 3.16, the Corporation may omit from its proxy statement, or may supplement or correct, any information, including all or any portion of the Supporting Statement or any other statement in support of a Nominee included in the Nomination Notice, if the Board of Directors determines that:</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 72pt; text-indent: -31.5pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR>
    <TD STYLE="vertical-align: top; width: 72pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 18pt">(A)</TD>
    <TD STYLE="vertical-align: bottom">such information is not true in all material respects or omits a material statement
    necessary to make the statements made not misleading;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">(B)</TD>
    <TD STYLE="vertical-align: bottom">such information directly or indirectly impugns the character, integrity or personal reputation
    of, or directly or indirectly makes charges concerning improper, illegal or immoral conduct or associations, without factual
    foundation, with respect to, any person; or</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">(C)</TD>
    <TD STYLE="vertical-align: bottom">the inclusion of such information in the proxy statement would otherwise violate the SEC
    proxy rules or any other applicable law, rule or regulation.</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 94.5pt; text-indent: -22.5pt">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><B>3.17&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="color: black"><U>CEO
and Chairman Position and Succession; Board Composition; Headquarters</U></FONT><U>.</U></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="color: black">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Definitions</U>.
In addition to any terms defined below, the following definitions shall apply to this Section 3.17:</FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR>
    <TD STYLE="width: 45pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 27pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif; color: black">(i)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif; color: black">&ldquo;Closing Date&rdquo; shall have the meaning set forth in the Merger Agreement.</FONT></TD></TR>
<TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Times New Roman, Times, Serif; color: black">(ii)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif; color: black">&ldquo;Continuing First Horizon Directors&rdquo; shall mean Mr. D. Bryan Jordan, the directors as of the Effective Time who were directors of the Corporation as of immediately prior to the Effective Time and who were selected to be directors of the Corporation and First Horizon Bank by the Corporation as of the Effective Time, pursuant to Section 6.12(a)</FONT></TD></TR>
</TABLE>



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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR>
    <TD STYLE="vertical-align: top; width: 45pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 27pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif; color: black">of the Merger Agreement, and any additional directors of the Corporation or First Horizon Bank (as applicable) who were nominated and subsequently appointed or elected to fill a vacancy created by the cessation of service of a Continuing First Horizon Director pursuant to this Section 3.17.</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Times New Roman, Times, Serif; color: black">(iii)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif; color: black">&ldquo;Continuing IBKC Directors&rdquo; shall mean Mr. Daryl G. Byrd, the directors as of the Effective Time who were directors of IBKC as of immediately prior to the Effective Time and who were selected to be directors of the Corporation and First Horizon Bank by IBKC as of the Effective Time, pursuant to Section 6.12(a) of the Merger Agreement, and any additional directors of the Corporation or First Horizon Bank (as applicable) who were nominated and subsequently appointed or elected to fill a vacancy created by the cessation of service of a Continuing IBKC Director pursuant to this Section 3.17.</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Times New Roman, Times, Serif; color: black">(iv)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif; color: black">&ldquo;Effective Time&rdquo; shall have the meaning set forth in the Merger Agreement.</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Times New Roman, Times, Serif; color: black">(v)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif; color: black">&ldquo;IBKC&rdquo; shall mean IBERIABANK Corporation, a Louisiana corporation.</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Times New Roman, Times, Serif; color: black">(vi)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif; color: black">&ldquo;Merger Agreement&rdquo; shall mean the Agreement and Plan of Merger, dated as of November 3, 2019, by and between the Corporation and IBKC, as the same may be amended from time to time.</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR>
    <TD STYLE="vertical-align: top; width: 36pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 36pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif; color: black">(b)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif; color: black"><U>Chairman and CEO</U>. </FONT></TD></TR>
</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR>
    <TD STYLE="vertical-align: top; width: 45pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 27pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Times New Roman, Times, Serif; color: black">(i)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif; color: black">Effective as of the Effective Time, Mr. Jordan shall continue to serve as President and Chief Executive Officer of the Corporation and as Chief Executive Officer of the Corporation&rsquo;s subsidiary, First Horizon Bank (&ldquo;First Horizon Bank&rdquo;) and Mr. Byrd shall become the Executive Chairman of the Boards of Directors of the Corporation and of First Horizon Bank.</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Times New Roman, Times, Serif; color: black">(ii)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif; color: black">Upon the earlier of (i) the death, resignation, removal, disqualification or other cessation of service by Mr. Byrd as Chairman of the Boards of Directors of the Corporation and of First Horizon Bank, and (ii) the date that is two (2) years after the Closing Date, Mr. Jordan shall succeed Mr. Byrd as the Chairman of the Board of Directors of the Corporation and of First Horizon Bank (the date of such succession, the &ldquo;Chairman Succession Date&rdquo;). From the Chairman Succession Date through the earlier of (i) the death, resignation, removal, disqualification or other cessation of service by Mr. Byrd, and (ii) the date that is five (5) years after the Closing Date, Mr. Byrd shall serve as a senior advisor to the Corporation and to First Horizon Bank. The Corporation may enter into or amend appropriate agreements or arrangements with Mr. Jordan and Mr. Byrd in connection with the subject matter of this Section 3.17(b) (any such agreement or arrangement, as may be amended, supplemented or modified from time to time and including any such agreement or arrangement entered into on or prior to July 1, 2020 in contemplation of the Corporation&rsquo;s merger with IBERIABANK Corporation on that date, an &ldquo;Employment Agreement&rdquo;).</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Times New Roman, Times, Serif; color: black">(iii)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif; color: black">Prior to the date that is the third (3rd) anniversary of the Closing Date (such date, the &ldquo;Expiration Date&rdquo;), (i) the removal of Mr. Byrd from, or the failure to appoint or re-elect Mr. Byrd to, any of the positions specifically provided for in this Section 3.17 and in any Employment Agreement with Mr. Byrd at the times specifically provided for in this Section 3.17 or in any Employment Agreement with Mr. Byrd, or (ii) the removal of Mr. Jordan from, or the failure to appoint or re-elect Mr. Jordan to, any of the positions specifically provided for in this Section 3.17 and in any Employment Agreement with Mr. Jordan at the times specifically provided for in this Section 3.17 or in any</FONT></TD></TR>
</TABLE>

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<TR>
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 36pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif; color: black">Employment Agreement with Mr. Jordan, shall each require the affirmative vote of at least 75% of the entire Board of Directors.</FONT></TD></TR>
<TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Times New Roman, Times, Serif; color: black">(c)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif; color: black"><U>Composition of the Board of Directors</U><I>. </I></FONT></TD></TR>
</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR>
    <TD STYLE="width: 45pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 27pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Times New Roman, Times, Serif; color: black">(i)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif; color: black">Prior to the Expiration Date, the number of directors that will comprise the entire Board of Directors of the Corporation and the entire Board of Directors of First Horizon Bank shall each be seventeen (17), initially consisting of (i) the chief executive officer of First Horizon as of immediately prior to the Effective Time, (ii) the chief executive officer of IBKC as of immediately prior to the Effective Time, (iii) eight (8) other Continuing First Horizon Directors, and (iv) seven (7) other Continuing IBKC Directors. It is the objective of the Corporation that, over time and subject to Section 3.17(i), the size of the Boards of Directors of the Corporation and of First Horizon Bank will be reduced. Prior to the date that is the second (2<SUP>nd</SUP>) anniversary of the Effective Time, (i) any determination not to nominate Mr. Byrd as a director of the Corporation or First Horizon Bank as contemplated by any Employment Agreement with Mr. Byrd, or (ii) any determination not to nominate Mr. Jordan as a director of the Corporation or First Horizon Bank as contemplated by any Employment Agreement with Mr. Jordan, shall each require the affirmative vote of at least 75% of the entire Board of Directors.</FONT></TD></TR>
<TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Times New Roman, Times, Serif; color: black">(ii)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif; color: black">Prior to the Expiration Date, (x) any vacancy on the Boards of Directors of the Corporation or of First Horizon Bank resulting from the cessation of service by any Continuing IBKC Director for any reason shall be filled by the Board of Directors with a nominee selected by majority vote of the Continuing IBKC Directors then in office, in which case the Continuing First Horizon Directors shall vote to approve the appointment or nomination (as applicable) of such individual; provided, that any such appointment or nomination shall be made in accordance with applicable law and the rules of the New York Stock Exchange (or other national securities exchange on which the Corporation&rsquo;s securities are listed), and (y) the Continuing IBKC Directors shall have the exclusive authority to nominate (by majority vote), on behalf of the Board of Directors, directors for election at each annual meeting, or at any special meeting at which directors are to be elected, to fill each seat previously held by a Continuing IBKC Director.</FONT></TD></TR>
<TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Times New Roman, Times, Serif; color: black">(iii)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif; color: black">Prior to the Expiration Date, (x) any vacancy on the Boards of Directors of the Corporation or of First Horizon Bank resulting from the cessation of service by any Continuing First Horizon Director for any reason shall be filled by the Board of Directors with a nominee selected by majority vote of the Continuing First Horizon Directors then in office, in which case the Continuing IBKC Directors shall vote to approve the appointment or nomination (as applicable) of such individual; provided, that any such appointment or nomination shall be made in accordance with applicable law and the rules of the New York Stock Exchange (or other national securities exchange on which the Corporation&rsquo;s securities are listed), and (y) the Continuing First Horizon Directors shall have the exclusive authority to nominate (by majority vote), on behalf of the Board of Directors, directors for election at each annual meeting, or at any special meeting at which directors are to be elected, to fill each seat previously held by a Continuing First Horizon Director.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Courier 10cpi; margin: 0 7.2pt 0 72pt; text-indent: -31.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Lead Director</U>. Until the Chairman
Succession Date, the lead independent director (the &ldquo;Lead Director&rdquo;) of the Board of Directors of the Corporation and
of First Horizon Bank shall be an independent director chosen from among the Continuing First Horizon Directors by majority vote
of the Continuing First Horizon Directors. At the Chairman Succession Date and continuing until the Expiration Date, the Lead Director
shall be an independent director chosen from among the Continuing IBKC
</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Directors by majority vote of the Continuing IBKC Directors, who
shall, after the Expiration Date, serve in that capacity until replaced by a majority vote of the entire Board of Directors.</P>

<P STYLE="font: 10pt Courier 10cpi; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Courier 10cpi; margin: 0 14.4pt 0 0; text-indent: 36pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Composition
of Committees</U>. Prior to the Expiration Date, (i) each committee of the Boards of Directors of the Corporation and of First
Horizon Bank shall, to the fullest extent practicable, have at least five (5) members, (ii) each committee of the Boards of</FONT>
<FONT STYLE="font-family: Times New Roman, Times, Serif">Directors of the Corporation and of First Horizon Bank shall have a number
of Continuing IBKC Directors that is one (1) less than the number of Continuing First Horizon Directors serving on each such committee,
(iii) the chair of the Compensation Committee shall be a director selected from among the Continuing IBKC Directors by majority
vote of the Continuing IBKC Directors, and (iv) the chair of the Executive and Risk Committee shall be (A) until the Chairman Succession
Date, a director selected from among the Continuing IBKC Directors by a majority vote of the Continuing IBKC Directors, and (B)
thereafter, a director selected from among the Continuing First Horizon Directors by a majority vote of the Continuing First Horizon
Directors.</FONT></P>

<P STYLE="font: 10pt Courier 10cpi; margin: 0 14.4pt 0 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 25.2pt 0 0; text-indent: 36pt">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Regional Banking Headquarters</U>.
Until the Expiration Date, the headquarters for the Corporation&rsquo;s and First Horizon Bank&rsquo;s regional banking business
shall be located in New Orleans, Louisiana.</P>

<P STYLE="font: 10pt Courier 10cpi; margin: 0 25.2pt 0 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 3.6pt 0 0; text-indent: 36pt">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Supremacy</U>. In the event
of any inconsistency between any provision of this Section 3.17 and any other provision of these Bylaws or the Corporation&rsquo;s
other constituent documents, the provisions of this Section 3.17 shall control to the fullest extent permitted by law.</P>

<P STYLE="font: 10pt Courier 10cpi; margin: 0 3.6pt 0 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 7.2pt 0 0; text-indent: 36pt">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Action by First Horizon Bank</U>.
The Corporation (as the sole voting shareholder of First Horizon Bank) shall cause First Horizon Bank to comply with the provisions
of this Section 3.17 that are applicable to it.</P>

<P STYLE="font: 10pt Courier 10cpi; margin: 0 7.2pt 0 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 10.8pt 0 0; text-indent: 36pt">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Amendments</U>. Prior to
the Expiration Date, the provisions of this Section 3.17 may be modified, amended or repealed, and any Bylaw provision inconsistent
with such provisions may be adopted (and any modification, amendment, repeal or inconsistent Bylaw provision and other related
resolutions may be proposed or recommended by the Board for adoption by the shareholders of the Corporation), only by the affirmative
vote of at least 75% of the entire Board of Directors.</P>

<P STYLE="font: 10pt Courier 10cpi; margin: 0 10.8pt 0 0; text-indent: 36pt">&nbsp;</P>



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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><B>4.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Designated Officers</U>. </B>The
officers of the Corporation shall consist of such officers as are required by the Tennessee Business Corporation Act and such other
officers, including officers identified in Sections 4.8 through 4.22 below, as the Board of Directors determines from time to time,
along with such other officers and assistant officers as may be from time to time determined and appointed in accordance with the
provisions of this Article Four. The title of any officer may include any additional descriptive designation determined to be appropriate.
Any person may hold two or more offices, except that the President shall not also be the Secretary or an Assistant Secretary. The
officers need not be directors, and officers need not be shareholders.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><B>4.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Appointment of Officers</U>. </B>Except
as otherwise provided in this Section 4.2, the officers of the Corporation shall be appointed by the Board of Directors at the
annual organizational meeting of the Board of Directors following the annual meeting of shareholders. The Board of Directors hereby
delegates to the Compensation Committee of the Board of Directors: (i) the power to create corporate offices; (ii) the power to
define the authority and responsibility of such offices, except to the extent such authority or responsibility would not be consistent
with the law or the Charter; and (iii) the power to
</P>


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

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

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

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

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

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

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

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

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


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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><B>4.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Executive Chairman of the Board</U>.
</B>The Executive Chairman of the Board, in addition to the powers and duties provided in Section 3.14, shall have such powers
and perform such duties as may be provided for in Section 3.17 and otherwise herein, as are normally incident to the office, and
as may be assigned by the Board of Directors. During any time when there is an incumbent in the office of Executive Chairman of
the Board, all references in these Bylaws to &ldquo;Chairman of the Board&rdquo; shall refer to the Executive Chairman of the Board.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><B>4.9&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Chief Executive Officer</U>. </B>The
Chief Executive Officer, in the absence of the Chairman of the Board, shall preside at all meetings of the shareholders and of
the Board of Directors (except, with respect to meetings of the Board of Directors, as may be otherwise determined by the Board
of Directors). The Chief Executive Officer shall be responsible for carrying out the orders of and the resolutions and policies
adopted by the Board of Directors and shall have general management of the business of the Corporation and shall exercise general
supervision over all of its affairs. In addition, the Chief Executive Officer shall have such powers and perform such duties as
may be provided for herein and as are normally incident to the office and as may be prescribed by the Board of Directors. If and
at such time as the Board of Directors so determines, the Chief Executive Officer may also serve as the President of the Corporation.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><B>4.10&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>President</U>. </B>The President,
in the absence of the Chairman of the Board and the Chief Executive Officer, shall preside at all meetings of the shareholders
and of the Board of Directors (except, with respect to meetings of the Board of Directors, as may be otherwise determined by the
Board of Directors). The President shall be the Chief Executive Officer of the Corporation unless the Board of Directors has appointed
another person to such office, in which case the President shall be the Chief Operating Officer of the Corporation. The President
shall have such powers and perform such duties as may be provided for herein and as are normally incident to the office and as
may be prescribed by the Board of Directors or the Chief Executive Officer. In addition, unless the Board of Directors has appointed
another person to the office of Chief Operating Officer, the President shall also have such powers and perform such duties as may
be provided for herein with respect to the Chief Operating Officer and as are normally incident to the office of Chief Operating
Officer and as may be prescribed for the Chief Operating Officer by the Board of Directors or the Chief Executive Officer.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><B>4.11&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Chief Operating Officer</U>. </B>The
Chief Operating Officer, if other than the President, shall have charge of the day-to-day operations of the Corporation and shall
have such powers and perform such duties as may be provided for herein and as are normally incident to the office and as may be
prescribed by the Board of Directors, the Chief Executive Officer, or the President.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><B>4.12&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Chief Financial Officer</U>. </B>The
Chief Financial Officer shall be the principal financial officer of the Corporation. The Chief Financial Officer is authorized
to sign any document filed with the Securities and Exchange Commission or any state securities commission on behalf of the Corporation
and shall perform such duties and exercise such powers as are normally incident to the office and as may be prescribed by the Board
of Directors or the Chief Executive Officer.</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><B>4.13&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Chief Credit Officer</U>. </B>The
Chief Credit Officer shall perform such duties and exercise such powers as are normally incident to the office and as may be prescribed
by the Board of Directors or the Chief Executive Officer.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><B>4.14&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>General Counsel</U>. </B>The General
Counsel is authorized to sign any document filed with the Securities and Exchange Commission or any state securities commission
on behalf of the Corporation and shall perform such duties and exercise such powers as are normally incident to the office and
as may be prescribed by the Board of Directors or the Chief Executive Officer.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><B>4.16&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Chief Human Resources Officer</U>.
</B>The officer in charge of human resources, whatever his or her title (&ldquo;Chief Human Resources Officer&rdquo;), shall perform
such duties and exercise such powers as are normally incident to the office and as may be prescribed by the Board of Directors
or the Chief Executive Officer.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><B>4.17&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Business Segment Presidents and
Business Segment Chief Operating Officers</U>. </B>Each officer of the Corporation who is designated as or has the functions of
a president or a chief operating officer of a substantial business line, division, segment, or group (as applicable, a &ldquo;Business
Segment President&rdquo; or &ldquo;Business Segment Chief Operating Officer&rdquo;) shall perform such duties and exercise such
powers as are normally incident to his or her office and as may be prescribed by the Board of Directors, the Chief Executive Officer,
the President, or the Chief Operating Officer. Two or more persons may share the duties and authorities of a Business Segment President
or Business Segment Chief Operating Officer as determined by the Board of Directors, the Chief Executive Officer, the President,
or the Chief Operating Officer. For this purpose, a business line, division, segment, or group is substantial if&nbsp;<FONT STYLE="font-weight: normal">the
officer who is designated as or has the functions of</FONT>&nbsp;its president or chief operating officer is an Executive Officer
or if it is expressly identified as a &ldquo;segment&rdquo; or &ldquo;business segment&rdquo; of the Corporation for financial
accounting purposes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><B>4.18&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Senior Executive Vice Presidents,
Executive Vice Presidents, Senior Vice Presidents, and Vice Presidents</U></B>. Each Senior Executive Vice President, Executive
Vice President, Senior Vice President, and Vice President shall perform such duties and exercise such powers as are normally incident
to his or her office and as may be prescribed by the Board of Directors, a committee thereof, the Chief Executive Officer, the
President, the Chief Operating Officer or, with respect to Senior Vice Presidents and Vice Presidents only, the Chief Human Resources
Officer.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><B>4.19&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Secretary. </U></B>The Secretary
is authorized to sign any document filed with the Securities and Exchange Commission or any state securities commission on behalf
of the Corporation. The Secretary shall attend all sessions of the Board of Directors and of the shareholders and record all votes
and the minutes of all proceedings in books to be kept for that purpose. The Secretary shall give or cause to be given notice of
all meetings of the shareholders and of the Board of Directors, shall authenticate records of the Corporation, and shall perform
such other duties as are incident to the office or as may be prescribed by the Board of Directors or the Chief Executive Officer.
In the absence or disability of the Secretary, the Assistant Secretary or such other officer or officers as may be authorized by
the Board of Directors or Executive and Risk Committee thereof shall perform all the duties and exercise all of the powers of the
Secretary and shall perform such other duties as the Board of Directors or the Chief Executive Officer shall prescribe. In addition,
from time to time officers holding the office of Limited Assistant Secretary may be appointed with such officer&rsquo;s power limited
to the power to attest the signature of another officer. Such Limited Assistant Secretary will have no other power as an officer.
</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><B>4.20&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Treasurer</U>. </B>The Treasurer
shall have the custody of the funds and securities of the Corporation and shall keep full and accurate accounts of receipts and
disbursements in books belonging to the Corporation and shall deposit all monies and other valuable effects in the name and to
the credit of the Corporation in such depositories as may be designated by the Board of Directors. The Treasurer shall disburse
the funds of the Corporation as may be ordered by the Board of Directors, the Chief Executive Officer, the Chief Financial Officer,
the President, or the Chief Operating Officer, taking proper vouchers for such disbursements, and shall render to the Board of
Directors, the Executive Chairman of the Board, the Chief Executive Officer, the Chief Financial Officer, the President, or the
Chief Operating Officer, whenever they may require it, an account of all of his or her transactions as Treasurer and of the financial
condition of the Corporation, and at a regular meeting of the Board of Directors preceding the annual shareholders&rsquo; meeting,
a like report for the preceding year. The Treasurer shall keep or cause to be kept an account of stock registered and transferred
in such manner and subject to such regulations as the Board of Directors may prescribe. The Treasurer shall give the Corporation
a bond, if required by the Board of Directors, in such a sum and in form and with security satisfactory to the Board of Directors
for the faithful performance of the duties of the office and the restoration to the Corporation, in case of his or her death, resignation
or removal from office, of all books, papers, vouchers, money and other property of whatever kind in his or her possession, belonging
to the Corporation. The Treasurer shall perform such other duties as the Board of Directors, the Chief Executive Officer, the Chief
Financial Officer, the President, or the Chief Operating Officer may from time to time prescribe or require. In the absence or
disability of the Treasurer, the Assistant Treasurer shall perform all the duties and exercise all of the powers of the Treasurer
and shall perform such other duties as the Board of Directors, the Chief Executive Officer, the Chief Financial Officer, the President,
or the Chief Operating Officer shall prescribe.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><B>4.21&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Auditor</U>. </B>The officer in
charge of the internal audit function, whatever his or her title (&ldquo;Auditor&rdquo;), shall perform such duties and exercise
such powers as are normally incident to the office and as may be prescribed by the Board of Directors or the Audit Committee.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&#9;<B>4.22&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Chief Accounting Officer</U>.
</B>The Chief Accounting Officer shall be the principal accounting officer of the Corporation. The Chief Accounting Officer is
authorized to sign any document filed with the Securities and Exchange Commission or any state securities commission on behalf
of the Corporation and shall assist the management of the Corporation in setting the financial goals and policies of the Corporation,
shall provide financial and statistical information to the shareholders and to the management of the Corporation and shall perform
such other duties and exercise such other powers as may be prescribed by the Board of Directors, the Chief Executive Officer, the
Chief Financial Officer, the President, or the Chief Operating Officer.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><B>4.23&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Other Officers</U>. </B>Officers
holding such other offices as may be created pursuant to Sections 4.1 and 4.2 of these Bylaws shall have such authority and perform
such duties and exercise such powers as may be prescribed by the Board of Directors, a committee thereof, the Chief Executive Officer,
the President, the Chief Operating Officer or, with respect to officers of the level of Senior Vice President and below, the Chief
Human Resources Officer.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><B>4.24&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Officer Committees and Mixed Committees</U>.
</B>The Board of Directors, by resolution adopted by a majority of the entire Board of Directors, may designate one or more committees
consisting of one or more officers. Similarly, the Board of Directors may appoint one or more directors and one or more officers
to serve on the same committee. The Board of Directors may delegate to each such officer committee or mixed committee all such
authority that the Board of Directors deems desirable that is permitted by law. Members of such committees may take action without
a meeting and may participate in</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">meetings to the same extent and in the same manner that directors
may take action and may participate pursuant to Sections 3.12 and 3.13 of these Bylaws.</P>

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

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

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

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

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

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

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

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

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


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

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

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



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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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


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

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

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

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

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

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

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

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

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

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

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR>
    <TD STYLE="vertical-align: bottom; width: 36pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 36pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(a)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif; color: black">Any director who shall attain the age of seventy-two (72) on or before the last day of the term for which he or she was elected shall not be nominated for re-election and shall be retired from the Board of Directors at the expiration of such term; <U>provided</U>, <U>however</U>, that each year the Board in the exercise of its discretion may waive this age limit for any director for up to an additional three terms if it determines such waiver to be beneficial to the Board and in the best interests of the Corporation; and <U>provided</U>, <U>further</U>, that prior to the Expiration Date (as defined in Section 3.17(b)(iii)) the provisions of this Section 7.1(a) shall not apply to any director who is member of the Board of Directors already in office as of, or who joins the Board of Directors on, the Closing Date (as defined in Section 3.17(a)(iii))</FONT><FONT STYLE="font: 10pt Times New Roman, Times, Serif">. </FONT></TD></TR>
</TABLE>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR>
    <TD STYLE="vertical-align: bottom; width: 36pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 36pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(b)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">For the purpose of maintaining a board of active business and professional persons, directors leaving the principal position (other than by a promotion) held at their last election (by retirement or otherwise) will be expected to tender their resignation for consideration by the Board of Directors within three months following the Board&rsquo;s next regularly scheduled meeting. A resignation will be accepted unless the Board in its judgment determines that (i) the director has assumed another position in which he or she is actively engaged in directing, managing or providing professional services through or to a public, private, non-profit or educational organization or is maintaining sufficient involvement in other activities that would be important to ensure effective service as a Board member, including consideration of the sufficiency of financial, technological, operational, civic, corporate governance-related, governmental or educational activities and/or service as a director of one or more other public companies, (ii) the director is so engaged in a specific project for the Board as to make his or her resignation detrimental to the Corporation, or (iii) it is beneficial to the Board and in the best interests of the Corporation for the director to continue for such period of time as the Board deems appropriate, or to continue subject to the satisfaction of one or more conditions established by the Board. </FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Except as may be otherwise determined by the Board of Directors,
directors who are also officers of the Corporation or any of its affiliates will be retired from the Board of Directors on the
date of the annual meeting coincident with or next following the date of the director&rsquo;s retirement from or other discontinuation
of active service with the Corporation and its affiliates.</P>

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><B>8.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Execution of Documents</U>. </B>Except
as expressly provided in Section 4.19 of these Bylaws (with respect to the Limited Assistant Secretary) and Section 5.1 of these
Bylaws (with respect to signatures on certificates representing shares of stock of the Corporation), the Executive Chairman of
the</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Board, the Chief Executive Officer, the President, the Chief Operating
Officer, any Business Segment President, any Business Segment Chief Operating Officer, any Senior Executive Vice President, any
Executive Vice President, any Senior Vice President, any Vice President, the Chief Financial Officer, the Chief Credit Officer,
the General Counsel, the Chief Risk Officer, the Chief Human Resources Officer, the Chief Accounting Officer, the Treasurer, the
Secretary, and any other officer, or any of them acting individually, may (i) execute and deliver in the name and on behalf of
the Corporation or in the name and on behalf of any division or department of the Corporation any document pertaining to the business,
affairs, or property of the Corporation or any division or department of the Corporation, and (ii) delegate to any other officer,
employee or agent of the Corporation the power to execute and deliver any such document.</P>

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><B>9.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Notice of Meeting</U>. </B>A meeting
of the Board of Directors may be called by any one director or by any one of the following officers: Executive Chairman of the
Board, Chief Executive Officer, President, Chief Operating Officer, any Business Segment President, any Business Segment Chief
Operating Officer, any Senior Executive Vice President, any Executive Vice President, Chief Credit Officer, Chief Financial Officer,
Chief Accounting Officer, General Counsel, Chief Risk Officer, Chief Human Resources Officer, Secretary, or any Executive Officer.
Notice of such meeting need be given only to those directors whom it is practical to reach by any means the person calling the
meeting deems feasible, including, but not limited to, by publication. (&ldquo;Publication&rdquo; includes, among other means:
release to the press; release to or dissemination through print, broadcast, cable, satellite, internet, or other media, including
by paid advertisement; posting on the Corporation&rsquo;s website; or posting on or other dissemination through any social media
outlet with which the Corporation has an account or relationship). Such notice shall be given at least two hours prior to commencement
of the meeting.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><B>9.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Action at Meeting</U>. </B>The Board
as constituted pursuant to Section 9.3 and after notice has been provided pursuant to Section 9.2 may take any of the following
actions: (i) prescribe emergency powers of the Corporation, (ii) delegate to any officer or director any of the powers of the Board
of Directors, (iii) designate lines of succession of officers and agents in the event that any of them are unable
</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">to discharge their duties, (iv) relocate the principal office or
designate alternative or multiple principal offices, and (v) take any other action that is convenient, helpful, or necessary to
carry on the business of the Corporation.</P>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><B>10.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Seal</U>. </B>This Corporation
shall have a Corporate Seal which shall consist of an imprint of the name of the Corporation, the state of its incorporation, the
year of incorporation and the words &ldquo;Corporate Seal.&rdquo; The Corporate Seal shall not be required to establish the validity
or authenticity of any document executed in the name and on behalf of the Corporation.</P>

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

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


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><B>10.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Bylaw Amendments</U>. </B>Except
as otherwise provided in Section 3.17, the Board of Directors shall have power to make, amend and repeal the Bylaws or any Bylaw
of the Corporation by vote of not less than a majority of the directors then in office, at any regular or special meeting of the
Board of Directors. The shareholders may make, amend and repeal the Bylaws or any Bylaw of this Corporation at any annual meeting
or at a special meeting called for that purpose only by the affirmative vote of the holders of at least eighty percent (80%) of
the voting power of all outstanding voting stock, and all Bylaws made by the directors may be amended or repealed by the shareholders
only by the vote of the holders of at least eighty percent (80%) of the voting power of all outstanding voting stock. Without further
authorization, at any time the Bylaws are amended, the Secretary is authorized to restate the Bylaws to reflect such amendment,
and the Bylaws, as so restated, shall be the Bylaws of the Corporation.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&#9;<B>10.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Forms of Writing and Execution;
Methods of Delivery</U>. </B>Unless otherwise expressly provided by law, in the Charter, or in these Bylaws: the terms &ldquo;writing&rdquo;
and &ldquo;written&rdquo; include any paper or electronic document or record; the terms &ldquo;sign,&rdquo; &ldquo;signature,&rdquo;
and &ldquo;execute&rdquo; include any manual, facsimile, or electronic signature or signature process; and, the terms &ldquo;deliver,&rdquo;
&ldquo;delivery,&rdquo; and &ldquo;send&rdquo; include any physical or electronic method of transmittal.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><B>10.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Forum for Adjudication of Disputes</U>.
</B>Unless the Corporation consents in writing to the selection of an alternative forum, the sole and exclusive forum for (i) any
derivative action or proceeding brought in the right of the Corporation, (ii) any action asserting a claim of breach of a fiduciary
duty owed by any director or officer or other employee of the Corporation to the Corporation or the Corporation&rsquo;s shareholders,
(iii) any action asserting a claim against the Corporation or any director or officer or other employee of the Corporation arising
pursuant to any provision of the Tennessee Business Corporation Act or the Charter or these Bylaws (in each case, as they may be
amended from time to time), or (iv) any action asserting a claim against the Corporation or any director or officer or other employee
of the Corporation governed by the internal affairs doctrine shall be a state or federal court located within Shelby County in
the State of Tennessee.</P>
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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 4.1</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">FIRST HORIZON NATIONAL CORPORATION</P>

<P STYLE="font: 5pt 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">6.625% FIXED-TO-FLOATING NON-CUMULATIVE
PERPETUAL PREFERRED STOCK,</P>

<P STYLE="font: 5pt 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">SERIES B</P>

<P STYLE="font: 5pt 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">DEPOSIT AGREEMENT</P>

<P STYLE="font: 5pt 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">among</P>

<P STYLE="font: 5pt 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: 5pt 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">EQUINITI TRUST COMPANY,</P>

<P STYLE="font: 5pt 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">as Depository</P>

<P STYLE="font: 5pt 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">and</P>

<P STYLE="font: 5pt 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">THE HOLDERS FROM TIME TO TIME OF</P>

<P STYLE="font: 5pt 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">THE DEPOSITARY RECEIPTS DESCRIBED HEREIN</P>

<P STYLE="font: 5pt 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 July 1, 2020</P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-align: center; text-transform: uppercase">Article I<BR> Defined Terms</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-align: center; text-transform: uppercase">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt; width: 72pt">Section 1.1</TD>
    <TD STYLE="text-indent: 0pt">Definitions</TD>
    <TD STYLE="text-align: right; text-indent: 0pt; width: 5%">1</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; text-transform: uppercase">&nbsp;</TD>
    <TD STYLE="text-align: left; text-transform: uppercase">&nbsp;</TD>
    <TD STYLE="text-align: right; text-transform: uppercase">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-align: center; text-transform: uppercase; padding-right: 5pt; padding-left: 5pt">Article II<BR> APPOINTMENT OF DEPOSITORY; BOOK-ENTRY SYSTEM; FORM OF RECEIPTS; DEPOSIT OF STOCK; EXECUTION AND DELIVERY; TRANSFER, SURRENDER AND REDEMPTION OF RECEIPTS</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-align: center; text-transform: uppercase">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 2.1</TD>
    <TD STYLE="text-indent: 0pt">Appointment of Depository</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">2</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 2.2</TD>
    <TD STYLE="text-indent: 0pt">Book-Entry System&#894; Form and Transfer of Receipts</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">2</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 2.3</TD>
    <TD STYLE="text-indent: 0pt">Deposit of Stock; Execution and Delivery of Receipts</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">5</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 2.4</TD>
    <TD STYLE="text-indent: 0pt">Registration of Transfer of Receipts</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">6</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 2.5</TD>
    <TD STYLE="text-indent: 0pt">Split-ups and Combinations of Receipts; Surrender of Receipts and Withdrawal of Stock</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">6</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 2.6</TD>
    <TD STYLE="text-indent: 0pt">Limitations on Execution and Delivery, Transfer, Surrender and Exchange of Receipts</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">7</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 2.7</TD>
    <TD STYLE="text-indent: 0pt">Lost Receipts, etc.</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">8</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 2.8</TD>
    <TD STYLE="text-indent: 0pt">Cancellation and Destruction of Surrendered Receipts</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">8</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 2.9</TD>
    <TD STYLE="text-indent: 0pt">Redemption of Stock</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">8</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; text-transform: uppercase">&nbsp;</TD>
    <TD STYLE="text-align: left; text-transform: uppercase">&nbsp;</TD>
    <TD STYLE="text-align: right; text-transform: uppercase">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-align: center; text-transform: uppercase">Article III<BR> CERTAIN OBLIGATIONS OF HOLDERS OF RECEIPTS AND THE CORPORATION</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-align: left; text-transform: uppercase">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 3.1</TD>
    <TD STYLE="text-indent: 0pt">Filing Proofs&#894; Certificates and Other Information</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">9</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 3.2</TD>
    <TD STYLE="text-indent: 0pt">Payment of Taxes or Other Governmental Charges</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">9</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 3.3</TD>
    <TD STYLE="text-indent: 0pt">Warranty as to Stock</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">10</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 3.4</TD>
    <TD STYLE="text-indent: 0pt">Warranty as to Receipts</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">10</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; text-transform: uppercase">&nbsp;</TD>
    <TD STYLE="text-align: left; text-transform: uppercase">&nbsp;</TD>
    <TD STYLE="text-align: right; text-transform: uppercase">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-align: center; text-transform: uppercase">Article IV<BR> THE DEPOSITED SECURITIES&#894; NOTICES</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-align: left; text-transform: uppercase">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 4.1</TD>
    <TD STYLE="text-indent: 0pt">Cash Distributions</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">10</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 4.2</TD>
    <TD STYLE="text-indent: 0pt">Distributions Other than Cash, Rights, Preferences or Privileges</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">11</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 4.3</TD>
    <TD STYLE="text-indent: 0pt">Subscription Rights, Preferences or Privileges</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">11</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 4.4</TD>
    <TD STYLE="text-indent: 0pt">Notice of Dividends, etc.; Fixing Record Date for Holders of Receipts</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">12</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 4.5</TD>
    <TD STYLE="text-indent: 0pt">Voting Rights</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">13</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 4.6</TD>
    <TD STYLE="text-indent: 0pt">Changes Affecting Deposited Securities and Reclassifications, Recapitalizations, etc.</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">13</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 4.7</TD>
    <TD STYLE="text-indent: 0pt">Delivery of Reports</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">14</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 4.8</TD>
    <TD STYLE="text-indent: 0pt">Lists of Receipt Holders</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">14</TD></TR>
</TABLE>

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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 COLSPAN="3" STYLE="text-align: center; text-transform: uppercase">Article V<BR> THE DEPOSITORY, THE DEPOSITORY&rsquo;S AGENTS, THE REGISTRAR AND THE CORPORATION</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-align: center; text-transform: uppercase">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt; width: 72pt">Section 5.1</TD>
    <TD STYLE="text-indent: 0pt">Maintenance of Offices, Agencies and Transfer Books by the Depository; Registrar; Depository&rsquo;s Agents</TD>
    <TD STYLE="text-align: right; text-indent: 0pt; width: 5%">14</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 5.2</TD>
    <TD STYLE="text-indent: 0pt">Prevention of or Delay in Performance by the Depository, the Depository&rsquo;s Agents, the Registrar or the Corporation</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">15</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 5.3</TD>
    <TD STYLE="text-indent: 0pt">Obligations of the Depository, the Depository&rsquo;s Agents, the Registrar and the Corporation</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">16</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 5.4</TD>
    <TD STYLE="text-indent: 0pt">Resignation and Removal of the Depository&#894; Appointment of Successor Depository</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">19</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 5.5</TD>
    <TD STYLE="text-indent: 0pt">Corporate Notices and Reports</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">20</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 5.6</TD>
    <TD STYLE="text-indent: 0pt">Indemnification by the Corporation</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">20</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 5.7</TD>
    <TD STYLE="text-indent: 0pt">Fees, Charges and Expenses</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">20</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 5.8</TD>
    <TD STYLE="text-indent: 0pt">Tax Compliance</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">21</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-align: center; text-transform: uppercase">Article VI<BR> AMENDMENT AND TERMINATION</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-align: center; text-transform: uppercase">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 6.1</TD>
    <TD STYLE="text-indent: 0pt">Amendment</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">21</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 6.2</TD>
    <TD STYLE="text-indent: 0pt">Termination</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">22</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; text-transform: uppercase">&nbsp;</TD>
    <TD STYLE="text-align: left; text-transform: uppercase">&nbsp;</TD>
    <TD STYLE="text-align: right; text-transform: uppercase">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-align: center; text-transform: uppercase">Article VII<BR> MISCELLANEOUS</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-align: left; text-transform: uppercase">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 7.1</TD>
    <TD STYLE="text-indent: 0pt">Counterparts</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">22</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 7.2</TD>
    <TD STYLE="text-indent: 0pt">Exclusive Benefit of Parties</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">22</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 7.3</TD>
    <TD STYLE="text-indent: 0pt">Invalidity of Provisions</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">23</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 7.4</TD>
    <TD STYLE="text-indent: 0pt">Notices</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">23</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 7.5</TD>
    <TD STYLE="text-indent: 0pt">Appointment of Registrar and Transfer Agent, Dividend Disbursing Agent and Redemption Agent</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">24</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 7.6</TD>
    <TD STYLE="text-indent: 0pt">Holders of Receipts Are Parties</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">24</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 7.7</TD>
    <TD STYLE="text-indent: 0pt">Governing Law</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">24</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 7.8</TD>
    <TD STYLE="text-indent: 0pt">Headings</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">25</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 7.9</TD>
    <TD STYLE="text-indent: 0pt">Force Majeure</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">25</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 7.10</TD>
    <TD STYLE="text-indent: 0pt">Confidentiality</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">25</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">EXHIBIT A</TD>
    <TD STYLE="text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">A-1</TD></TR>
</TABLE>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>THIS DEPOSIT AGREEMENT</B>, dated as
of July 1, 2020 (this &ldquo;Agreement&rdquo;), is entered into among (i) FIRST HORIZON NATIONAL CORPORATION, a Tennessee
corporation and its successors (the &ldquo;Corporation&rdquo;), (ii) EQUINITI TRUST COMPANY, a limited trust company
organized under the laws of the State of New York (the &ldquo;Depository&rdquo;) and (iii) the Holders (as defined herein)
from time to time of the Receipts (as defined herein) described in this Agreement.</P>

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

<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">RECITALS</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-indent: 36pt"><B>WHEREAS</B>, the parties desire to provide,
as set forth in this Agreement, for the deposit of shares of the Corporation&rsquo;s 6.625% Fixed-to-Floating Non-Cumulative Perpetual
Preferred Stock, Series B, no par value, from time to time with the Depository for the purposes set forth in this Agreement and
for the issuance hereunder of Receipts evidencing Depositary Shares (as defined herein) in respect of the Stock (as defined herein)
so deposited; and</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"><B>WHEREAS</B>, the Receipts are to be substantially
in the form of <U>Exhibit A</U> annexed hereto, with appropriate insertions, modifications and omissions, as hereinafter provided
in this Agreement;</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"><B>NOW, THEREFORE</B>, in consideration of
the foregoing premises, the parties hereto agree as follows:</P>

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

<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0pt">Article
I<BR>
Defined Terms</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 1.1</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Definitions</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">The following definitions shall for all purposes,
unless otherwise indicated, apply to the respective terms used in this Agreement:</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">&ldquo;Agreement&rdquo; shall mean this Agreement, as amended,
supplemented or otherwise modified from time to time in accordance with the terms hereof.</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">&ldquo;Articles&rdquo; shall mean the Articles of Amendment
filed with the Secretary of State of the State of Tennessee establishing the Stock as a series of preferred stock of the Corporation.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&ldquo;Corporation&rdquo; shall have the meaning set forth in
the Preamble of this 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">&ldquo;Depository&rdquo; shall mean Equiniti Trust Company and
any successor as depository hereunder.</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">&ldquo;Depositary Shares&rdquo; shall mean the depositary shares,
each representing 1/400<FONT STYLE="font-size: 6.5pt">th </FONT>of a share of the Stock and evidenced by a Receipt.</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">&ldquo;Depository&rsquo;s Agent&rdquo; shall mean an agent appointed
by the Depository pursuant to <U>Section 5.1</U> hereof.</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">&ldquo;Depository&rsquo;s Office&rdquo; shall mean the designated
office of the Depository, at which at any particular time its depositary receipt business shall be administered.</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&ldquo;Receipt&rdquo; shall mean one of the depositary receipts
issued hereunder, substantially in the form set forth as <U>Exhibit A</U> hereto, whether in definitive or temporary form, and
evidencing the number of Depositary Shares held of record by the Record Holder of those Depositary Shares and shall include the
DTC Receipt, as defined in <U>Section 2.2</U> hereof, where appropriate.</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">&ldquo;Record Holder&rdquo; or &ldquo;Holder&rdquo; as applied
to a Receipt shall mean the person in whose name that Receipt is registered on the books of the Depository maintained for such
purpose.</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">&ldquo;Registrar&rdquo; shall mean the Depository or such other
successor bank or trust company which shall be appointed by the Corporation to register ownership and transfers of Receipts as
herein provided, and, if a successor Registrar shall be so appointed, references herein to &ldquo;the books&rdquo; of or maintained
by the Registrar shall be deemed, as applicable, to refer as well to the register maintained by such successor Registrar for such
purpose.</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">&ldquo;Securities Act&rdquo; shall mean the Securities Act of
1933, as amended.</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">&ldquo;Stock&rdquo; shall mean the shares of the Corporation&rsquo;s
6.625% Fixed-to-Floating Non-Cumulative Perpetual Preferred Stock, Series B, no par value, with a liquidation preference of $10,000
per share, designated in the Articles.</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">&ldquo;Transfer Agent&rdquo; shall mean the Depository or such
other successor bank or trust company which shall be appointed by the Corporation to transfer the Receipts and the deposited Stock.</P>

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

<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0pt">Article
II<BR>
APPOINTMENT OF DEPOSITORY; BOOK-ENTRY SYSTEM; FORM
OF RECEIPTS; DEPOSIT OF STOCK; EXECUTION AND DELIVERY; TRANSFER, SURRENDER AND REDEMPTION OF RECEIPTS</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 2.1</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Appointment
of Depository</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">The Corporation hereby appoints Depository
as depository for the Stock, and Depository hereby accepts such appointment and agrees to perform the same in accordance with the
express terms and conditions set forth in this Agreement.</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 2.2</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Book-Entry
System&#894; Form and Transfer of Receipts</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">The Corporation and the Depository shall
make application to The Depository Trust Company (&ldquo;DTC&rdquo;) for acceptance of all of the Receipts for its book-entry settlement
system. The Corporation hereby appoints the Depository acting through any authorized officer thereof as its attorney-in-fact, with
full power to delegate, for purposes of executing any agreements, certifications or other instruments or documents necessary or
desirable in order to effect the acceptance of such Receipts for DTC eligibility. So long as the Receipts are eligible for book-entry
settlement with DTC, unless otherwise required by law, the Corporation&rsquo;s Articles of Incorporation (as amended and including
the Articles) or its By-laws (as amended), all Depositary Shares with book-entry settlement through DTC shall be represented by
one or more receipts (the &ldquo;DTC Receipt&rdquo;), which shall be deposited with DTC (or its designee) evidencing all such Depositary
Shares and registered in the name of the nominee of DTC (initially expected to be Cede&nbsp;&amp; Co.). The Depository or such
other entity as is agreed to by DTC may hold the DTC</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">Receipt as custodian for DTC. Ownership of
beneficial interests in the DTC Receipt shall be shown on, and the transfer of such ownership shall be effected through, records
maintained by (i) DTC or its nominee for such DTC Receipt or (ii) institutions that have accounts with DTC. The DTC Receipt shall
bear such legend or legends as may be required by DTC in order for it to accept the Depositary Shares for its book-entry settlement
system.</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: 36pt">If DTC subsequently ceases to make its book-entry
settlement system available for the Receipts, the Corporation may instruct the Depository regarding making other arrangements for
book-entry settlement. If the Receipts are not eligible for book-entry form, except as required by law, the Corporation&rsquo;s
Restated Charter (as amended and including the Articles) or its By-laws (as amended), the Depository shall provide written instructions
to DTC to deliver the DTC Receipt to the Depository for cancellation and the Corporation shall instruct the Depository to deliver
to the beneficial owners of the Depositary Shares previously evidenced by the DTC Receipt definitive Receipts in physical form
evidencing such Depositary Shares.</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">Except as required by law, the Corporation&rsquo;s
Restated Charter (as amended and including the Articles) or its By-laws (as amended), beneficial owners of Depositary Shares through
DTC will not be entitled to receive Receipts in physical, certificated form or have Depositary Shares registered in their name,
except as described below.</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">The DTC Receipt shall be exchangeable for
definitive Receipts only if required by law, the Corporation&rsquo;s Restated Charter (as amended and including the Articles) or
its By-laws (as amended), or if (i) DTC notifies the Corporation at any time that it is unwilling or unable to continue to make
its book-entry settlement available for the Receipts and a successor to DTC is not appointed by the Corporation within 90 days
of the date the Corporation is so informed in writing, (ii) DTC notifies the Corporation at any time that it has ceased to be a
clearing agency registered under applicable law and a successor to DTC is not appointed within 90 days of the date the Corporation
is so informed in writing, or (iii) the Corporation in its sole discretion notifies the Depository in writing that the DTC Receipt
shall be exchangeable for definitive Receipts. If beneficial owners of interests in Depositary Shares are entitled to exchange
such interests for definitive Receipts as the result of an event described in clause (i), (ii) or (iii) of the preceding sentence
(or if required by law, the Corporation&rsquo;s Restated Charter (as amended and including the Articles) or its By-laws (as amended)),
then without unnecessary delay but in any event not later than the earliest date on which such beneficial interests may be so exchanged,
upon receipt by the Depository of the DTC Receipt for cancellation and any other necessary documentation, the Depository is hereby
directed to and shall execute and deliver to the beneficial owners of the Depositary Shares previously evidenced by the DTC Receipt
definitive Receipts in physical form evidencing such Depositary Shares and to make appropriate entries in the register with respect
thereto. Notwithstanding any other provision herein to the contrary delivery of Shares and other property in connection with the
withdrawal or redemption of Depositary Shares evidenced by a DTC Receipt will be made through DTC and in accordance with its procedures,
unless the holder of the relevant DTC Receipt otherwise requests and such request is reasonably acceptable to the Depository and
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">Receipts shall be in denominations of any
number of whole Depositary Shares. The Corporation shall deliver to the Depository from time to time such quantities of Receipts
as the</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">Depository may request to enable the Depository
to perform its obligations under this Agreement.</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: 36pt">The DTC Receipt and definitive Receipts,
if any, shall be substantially in the form set forth in <U>Exhibit A</U> of this Agreement and incorporated herein by reference,
with appropriate insertions, modifications and omissions, as hereinafter provided and shall be engraved or otherwise prepared so
as to comply with applicable rules of any securities exchange on which the Depositary Shares are then listed. In the case of any
of the events described above resulting in the issuance of definitive Receipts in exchange for the DTC Receipt, the Depository,
pending preparation of definitive Receipts and upon the written order of the Corporation, delivered in compliance with <U>Section
2.3</U> hereof, shall execute and deliver temporary Receipts which may be 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 Corporation and the Depository will cause definitive Receipts to be prepared without
unreasonable delay. After the preparation of definitive Receipts, the temporary Receipts shall be exchangeable by the Holder for
definitive Receipts upon surrender of the temporary Receipts at an office described in the first paragraph of <U>Section 2.3</U>
hereof, without charge to the Holder. Upon surrender for cancellation of any one or more temporary Receipts, the Depository 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 Corporation&rsquo;s expense and without any charge
therefor to the Holder or the Depository. Until so exchanged, the temporary Receipts shall in all respects be entitled to the same
benefits under this Agreement as definitive Receipts.</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">Receipts shall be executed by the Depository
by the manual, facsimile or electronic signature of a duly authorized officer of the Depository; provided that, if a Registrar for the Receipts (other than the Depository) shall have been appointed, such Receipts shall
also be countersigned by manual, facsimile or electronic signature of a duly authorized officer of such Registrar. No Receipt shall
be entitled to any benefits under this Agreement or be valid or obligatory for any purpose unless it shall have been executed as
described in the preceding sentence. The Registrar shall record on its books each Receipt so signed and delivered as hereinafter
provided. Receipts bearing the manual, facsimile or electronic signature of a duly authorized signatory of the Depository who was
at any time a proper and duly authorized signatory of the Depository shall bind the Depository, notwithstanding that such signatory
ceased to hold such office prior to the delivery of such Receipts or did not hold such office on the date of issuance of such receipts.</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">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 Agreement all as may be reasonably
required by the Corporation 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 Receipts are subject.</P>


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Title to Depositary Shares evidenced by a
Receipt which is properly endorsed, or accompanied by a duly 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 any particular Receipt shall be registered on the books of the Registrar as provided in <U>Section 2.4</U>
hereof, the Depository 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 payments,
to exercise any redemption or voting rights or to receive any notice provided for in this Agreement and for all other purposes.</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 2.3</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Deposit
of Stock; Execution and Delivery of Receipts</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">Subject to the terms and conditions of this
Agreement, the Corporation may from time to time deposit shares of Stock under this Agreement by delivery to the Depository, including
via electronic book-entry, for such shares of Stock to be deposited (or in such other manner as may be agreed to by the Corporation
and the Depository), properly endorsed or accompanied, if required by the Depository, by a duly executed instrument of transfer
or endorsement, in form satisfactory to the Depository, together with (i) all such certifications as may be required by the Depository
in accordance with the provisions of this Agreement, including the resolutions of the Board of Directors of the Corporation or
a committee of the Board of Directors, as certified by the Secretary or any Assistant Secretary of the Corporation on the date
thereof as being complete, accurate and in effect, relating to issuance and sale of the Stock, (ii) an opinion of counsel to the
Corporation addressed to the Depository containing opinions, or a letter of counsel to the Corporation authorizing reliance on
such counsel&rsquo;s opinions delivered to the underwriters named therein, relating to (A) the existence and good standing of the
Corporation, (B) the due authorization of the Depositary Shares and the status of the Depositary Shares as validly issued, fully
paid and non-assessable, and (C) the effectiveness of any registration statement under the Securities Act relating to the Depositary
Shares or whether exemption from such registration is applicable, and (iii) a written order of the Corporation, directing the Depository
to execute and deliver to, or upon the written order of, the person or persons stated in such order a Receipt or Receipts for the
number of Depositary Shares representing such deposited Stock. Shares of deposited Stock shall be held by the Depository in an
account to be established by the Depository at the Depository&rsquo;s Office, or at such other place or places as the Depository
shall determine. As Registrar and Transfer Agent for the deposited Stock, the Depository will reflect changes in the number of
shares of deposited Stock held by it by notation, book-entry or other appropriate method.</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">Upon receipt by the Depository of shares
of Stock deposited in accordance with the provisions of this <U>Section 2.3</U> hereof, together with the other documents required
as above specified, and upon registering the Stock on the books of the Corporation (or its duly appointed Transfer Agent) in the
name of the Depository or its nominee, the Depository, subject to the terms and conditions of this Agreement, shall execute and
deliver to, or upon the order of, the person or persons named in the written order delivered to the Depository referred to in the
first paragraph of this <U>Section 2.3</U>, 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 Depository shall
execute and deliver such Receipt or Receipts at the Depository&rsquo;s Office or such other offices, if any, as the Depository</P>



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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">may designate. Delivery at other offices shall
be at the risk and expense of the person requesting such delivery.</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: 36pt"><FONT STYLE="color: #010000">Section 2.4</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Registration
of Transfer of Receipts</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">Subject to the terms and conditions of this
Agreement, the Depositary, as Registrar and Transfer Agent for the Receipts, shall register on its books from time to time transfers
of Receipts upon any surrender thereof by the Holder in person or by a duly authorized attorney, properly endorsed or accompanied
by a duly executed instrument of transfer, including a guarantee of the signature thereon from an eligible guarantor institution
participating in a signature guarantee program pursuant to Rule 17Ad-15 under the Securities Exchange Act of 1934, as amended (the
&ldquo;Signature Guarantee&rdquo;), and any other evidence of authority as may be reasonably required by the Depository (or successor
Registrar or Transfer Agent). Thereupon, the Depository 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: 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 2.5</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Split-ups
and Combinations of Receipts; Surrender of Receipts and Withdrawal of Stock</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">Upon surrender of a Receipt or Receipts at
the Depository&rsquo;s Office or at such other offices as the Depository 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 Agreement, the Depository 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: 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">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 Depositary Shares represented by the Receipts at the Depository&rsquo;s Office or at such other offices as the Depository may
designate for such withdrawals; provided, that a holder of a Receipt or Receipts
may not withdraw such Stock (or money, if any, represented thereby) which has previously been called for redemption. If such holder&rsquo;s
Depositary Shares are being held by DTC or its nominee, DTC shall be deemed the holder hereunder for all purposes. It shall be
the duty of the DTC participant or the beneficial owner to request DTC to withdraw from the book-entry system the number of Depositary
Shares specified above. Upon such surrender, upon payment of the fee of the Depositary for the surrender of Receipts to the extent
provided in <U>Section 5.7</U> and payment of all taxes and governmental charges in connection with such surrender and withdrawal
of Stock, and subject to the terms and conditions of this Agreement, the Depository 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, or Depositary Shares represented by such 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 Depository in connection with such
withdrawal shall evidence a number of Depositary Shares in excess of the number of</P>



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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">Depositary Shares representing the number
of whole shares of Stock to be withdrawn, the Depository 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 <U>Section 2.4</U> hereof
upon his order, a new Receipt evidencing such excess number of Depositary Shares&#894; provided, however, that the Depository shall
not issue any Receipt evidencing a fractional Depositary Share.</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: 36pt">Delivery of the Stock and money being withdrawn
may be made by the delivery of such certificates, documents of title and other instruments as the Depository may deem appropriate
(or in such other manner as may be agreed to by the Corporation and the Depository), which, if required by the Depository, shall
be properly endorsed or accompanied by proper instruments of transfer including, but not limited to, a Signature Guarantee.</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">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 related Receipt or Receipts
being surrendered for withdrawal of such Stock, such Holder shall execute and deliver to the Depository a written order so directing
the Depository, and the Depository 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 duly executed instrument of transfer in blank.</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">Delivery of the Stock and the money and other
property, if any, represented by Receipts surrendered for withdrawal shall be made by the Depository at the Depository&rsquo;s
Office, except that, at the written request, sole risk and expense of the Holder surrendering such Receipt or Receipts and for
the account of the Holder thereof, such delivery may be made at such other place as may be designated by such Holder.</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 2.6</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Limitations
on Execution and Delivery, Transfer, Surrender and Exchange of Receipts</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">As a condition precedent to the execution
and delivery, registration of transfer, split-up, combination, surrender or exchange of any Receipt, the Depository, any of the
Depository&rsquo;s Agents or the Corporation may require payment to it of a sum sufficient for the payment (or, in the event that
the Depository or the Corporation shall have made such payment, the reimbursement to it) of any charges or expenses payable by
the Holder of a Receipt pursuant to <U>Sections 3.2</U> and <U>5.7</U> hereof, may require the production of evidence satisfactory
to it as to the identity and genuineness of any signature, including a signature guarantee, and may also require compliance with
such regulations, if any, as the Depository or the Corporation may establish consistent with the provisions of this Agreement and
applicable law and as may be required by any securities exchange on which the Stock, the Depositary Shares or the Receipts may
be listed.</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">The deposit of the 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) during any period when the register of shareholders
of the Corporation is closed or (ii) if any such action is deemed necessary or advisable by the Depository, any of the Depository&rsquo;s
Agents or the Corporation 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 Agreement.</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 2.7</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Lost
Receipts, etc.</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">If any Receipt is lost, stolen, mutilated
or destroyed, absent notice to the Corporation or the Depository that such certificates have been acquired by a protected purchaser,
the Corporation may, upon receipt by the Depository of an open penalty surety bond satisfactory to it and holding it and the Corporation
harmless, cause to be issued, in a form mutually agreed to by the Depository and the Corporation, a new Receipt of like denomination,
tenor and date as the Receipt so lost, stolen, mutilated or destroyed, and countersigned by the Depository. Any such new Receipt
shall constitute a substitute contractual obligation of the Corporation, whether or not the allegedly lost, stolen, mutilated or
destroyed Receipt shall be at any time enforceable by anyone. The Depository may, at its option, countersign replacement Receipts
for mutilated certificates upon presentation thereof without such indemnity.</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 2.8</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Cancellation
and Destruction of Surrendered Receipts</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">All Receipts surrendered to the Depository
or any Depository&rsquo;s Agent shall be cancelled by the Depository. Except as prohibited by applicable law or regulation, the
Depository is authorized and directed to destroy all Receipts so cancelled.</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>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Redemption
of Stock</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">Whenever the Corporation shall be permitted
and shall elect to redeem shares of Stock in accordance with the terms of the Articles, it shall (unless otherwise agreed to in
writing with the Depository) give or cause to be given to the Depository, not less than 30 days and not more than 60 days prior
to the Redemption Date (as defined below), written notice of the date of such proposed redemption of Stock and of the number of
such shares held by the Depository to be so redeemed and the applicable redemption price, which notice shall be accompanied by
a certificate from the Corporation stating that such redemption of Stock is in accordance with the provisions of the Articles.
On the Redemption Date, provided that the Corporation shall then have paid or caused to be paid in full to the Depository the redemption
price of the Stock to be redeemed in accordance with the provisions of the Articles, the Depository shall redeem the number of
Depositary Shares representing such Stock. The Depository shall provide notice of the Corporation&rsquo;s redemption of Stock and
the proposed simultaneous redemption of the number of Depositary Shares representing the Stock to be redeemed by reasonably acceptable
transmission method, as determined by the Depository, not less than 30 days and not more than 60 days prior to the date fixed for
redemption of such Stock and Depositary Shares (the &ldquo;Redemption Date&rdquo;), to the Record Holders of the Receipts evidencing
the Depositary Shares to be so redeemed at their respective last addresses as they appear on the records of the Depository; but neither failure to provide any notice of redemption of Depositary Shares to one or more Holders nor any defect in any
notice of redemption of Depositary Shares to one or more Holders shall affect the sufficiency of the proceedings for redemption
as to the other Holders. Each notice shall be prepared by the Corporation and shall state: (i) the Redemption Date; (ii) the redemption price; (iii) if fewer than all Depositary Shares are
to be redeemed, the number of Depositary Shares to be redeemed; and (iv) the manner
in which holders of the Depositary Shares called for redemption may obtain payment of the redemption price in respect to those
Depositary Shares. In case less than all the outstanding Depositary Shares are to be redeemed, the Depositary Shares to be so redeemed
shall be selected in accordance with the Articles.</P>



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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Notice having been provided by the Depository
as aforesaid, from and after the Redemption Date (unless the Corporation shall have failed to provide the funds necessary to redeem
the Stock evidenced by the Depositary Shares called for redemption) (i) dividends on the shares of Stock so called for Redemption
shall cease to accumulate from and after such date, (ii) the Depositary Shares being redeemed from such proceeds shall be deemed
no longer to be outstanding, (iii) 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) upon surrender in accordance
with such redemption notice of the Receipts evidencing any such Depositary Shares called for redemption (properly endorsed or assigned
for transfer, if the Depository or applicable law shall so require), such Depositary Shares shall be redeemed by the Depositary
at a redemption price per Depositary Share equal to 1/400<FONT STYLE="font-size: 6.5pt">th </FONT>of the redemption price per share
of Stock so redeemed plus all money represented by such Depositary Shares, including, if required by the provisions of the Articles,
all amounts paid by the Corporation in respect of dividends which on the Redemption Date have been declared on the shares of Stock
to be so redeemed and have not theretofore been paid.</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">If fewer than all of the Depositary Shares
evidenced by a Receipt are called for redemption, the Depository will deliver to the Holder of such Receipt upon its surrender
to the Depository, together with payment of the redemption price for any and all other amounts payable in respect of the Depositary
Shares called for redemption, a new Receipt evidencing the Depositary Shares evidenced by such prior Receipt and not called for
redemption; provided, however, that the Depository shall not issue any Receipt
evidencing a fractional Depositary Share and cash will be payable in respect of fractional interests.</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">The Corporation shall be entitled to receive,
from time to time, from the Depositary any interest accrued on such funds deposited with the Depository, 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 Depository to the Corporation.</P>

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

<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0pt">Article
III<BR>
CERTAIN OBLIGATIONS OF HOLDERS OF RECEIPTS AND THE CORPORATION</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 3.1</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Filing
Proofs&#894; Certificates and Other Information</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">Any Holder of a Receipt may be required from
time to time to file proof of residence, or other matters or other information, to execute certificates and to make such representations
and warranties as the Depository or the Corporation may reasonably deem necessary or proper. The Depository or the Corporation
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 and evidenced by a 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: 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 3.2</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Payment
of Taxes or Other Governmental Charges</U>.</P>



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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Holders of Receipts shall be obligated to
make payments to the Depository of certain charges and expenses, as provided in <U>Section 5.7</U> hereof. 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, interest payments or other distributions
may be withheld or any part of or all the Stock or other property, if any, represented by the Depositary Shares evidenced by such
Receipt and not 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, interest payments or other distributions 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: 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 3.3</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Warranty
as to Stock</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">The Corporation 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 the related Receipts.</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 3.4</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Warranty
as to Receipts</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">The Corporation hereby represents and warrants
that the Receipts, when issued, will represent legal and valid interests in the Depositary Shares, and each Depositary Share will
represent one 1/400<FONT STYLE="font-size: 6.5pt">th </FONT>interest in a share of deposited Stock. Such representation and warranty
shall survive the deposit of the Stock and the issuance of the Receipts.</P>

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

<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0pt">Article
IV<BR>
THE DEPOSITED SECURITIES&#894; NOTICES</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 4.1</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Cash
Distributions</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">Whenever the Depositary, as distribution
agent, shall receive any cash dividend or other cash distribution on the Stock, the Depository shall, subject to <U>Sections 3.1</U>
and <U>3.2</U> hereof, distribute to Record Holders of Receipts on the record date fixed pursuant to <U>Section 4.4</U> hereof
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 Corporation or the Depository 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, or as otherwise required by law, regulation or court process,
the amount made available for distribution or distributed in respect of Depositary Shares shall be reduced accordingly. In the
event that the calculation of any such cash dividend or other cash distribution to be paid to any Record Holder on the aggregate
number of Depositary Shares held by such Record Holder results in an amount that is a fraction of a cent and that fraction of a
cent is equal to or greater than $0.005, the amount the Depository shall distribute to such Record Holder shall be rounded up to
the next highest whole cent; otherwise, such fractional amount shall be disregarded
by the Depository and shall be added to and be treated as part of the next succeeding distribution.</P>



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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Each Holder of a Receipt shall provide the
Depository 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 Depository of a portion of any of the distributions to be made hereunder.</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 4.2</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Distributions
Other than Cash, Rights, Preferences or Privileges</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">Whenever the Depository shall receive any
distribution other than cash, rights, preferences or privileges upon the Stock, the Depository shall, subject to <U>Sections 3.1</U>
and <U>3.2</U> hereof, distribute to Record Holders of Receipts on the record date fixed pursuant to <U>Section 4.4</U> hereof
such amounts of the securities or property received by it as are, as nearly as practicable, in proportion to the respective numbers
of Depositary Shares evidenced by such Receipts held by such Holders, in any manner that the Depository may deem equitable and
practicable for accomplishing such distribution. If in the opinion of the Depository such distribution cannot be made proportionately
among such Record Holders, or if for any other reason (including any requirement that the Corporation or the Depository withhold
an amount on account of taxes or governmental charges) the Depository deems, after consultation with the Corporation, such distribution
not to be feasible, the Depository may, with the approval of the Corporation, 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 <U>Sections
3.1</U> and <U>3.2</U> hereof, be distributed or made available for distribution, as the case may be, by the Depository to Record
Holders of Receipts as provided by <U>Section 4.1</U> hereof in the case of a distribution received in cash. The Corporation shall
not make any distribution of securities to the Depository, and the Depository shall not make any distribution of such securities
or property to the Holders of Receipts, unless the Corporation 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 distributions.</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 4.3</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Subscription
Rights, Preferences or Privileges</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">If the Corporation shall at any time offer
or cause to be offered to the persons in whose names the deposited Stock is recorded on the books of the Corporation 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 communicated to the Depository and thereafter made
available by the Depository to the Record Holders of Receipts in such manner as the Depository (in consultation with the Corporation)
may determine, either by the issue to such Record Holders of warrants representing such rights, preferences or privileges or by
such other method as may be approved by the Depository in its discretion with the approval of the Corporation; provided, however, that (i) if at the time of issue or offer of any such rights, preferences or privileges the Depository
or the Corporation determines that it is not lawful or (after consultation with the Corporation) not feasible to make such rights,
preferences or privileges available to Holders of Receipts by the issue of warrants or otherwise, or (ii) if and to the extent
so instructed by Holders of Receipts who do not desire to exercise such rights, preferences or privileges, then the Depository,
in its discretion (with</P>



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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">approval of the Corporation, in any case where
the Depository 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 <U>Sections 3.</U>1 and <U>3.2</U> hereof, be distributed by the Depository to the Record Holders of Receipts
entitled thereto as provided by <U>Section 4.1</U> hereof in the case of a distribution received in cash.</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: 36pt">The Corporation shall promptly notify the
Depository 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 the Corporation agrees with the Depository that it will file promptly a registration statement pursuant to the Securities
Act with respect to such rights, preferences or privileges and securities and use its best efforts and take all steps available
to it to cause such registration statement to become 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 Depository 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 statement shall have become effective, or the Corporation shall have provided to the Depository an opinion
of counsel (which may be in-house counsel) to the effect that the offering and sale of such securities to the Holders are exempt
from registration under the provisions of the Securities Act.</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">The Corporation shall promptly notify the
Depository whether any other action under the laws of any jurisdiction or any governmental or administrative authorization, consent
or permit is required in order for such rights, preferences or privileges to be made available to Holders of Receipts, and the
Corporation agrees with the Depository that the Corporation will use its reasonable best efforts to take such action or obtain
such authorization, consent or permit 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: 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 4.4</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Notice
of Dividends, etc.; Fixing Record Date for Holders of Receipts</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">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 the Stock, or whenever the Depository shall receive notice of (A) any meeting at which
holders of the Stock are entitled to vote or of which holders of the Stock are entitled to notice or (B) any election on the part
of the Corporation to redeem any such Stock, or whenever the Depository and the Corporation shall decide it is appropriate, the
Depository shall in each such instance fix a record date (which shall be the same date as the record date fixed by the Corporation
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 whose Depositary Shares are to be so redeemed or for any other appropriate reasons.</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 4.5</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<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">Subject to the provisions of the Articles,
upon receipt of notice of any meeting at which the holders of the Stock are entitled to vote, the Depository shall, as soon as
practicable thereafter, provide to the Record Holders of Receipts, determined on the record date as set forth in <U>Section 4.4</U>
hereof, a notice prepared by the Corporation which shall contain (i) such information as is contained in such notice of meeting
and (ii) a statement that the Holders may, subject to any applicable restrictions, instruct the Depository 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 Depository to give a discretionary proxy to a person designated by the Corporation) 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 Depository 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 Corporation hereby agrees to take all reasonable
action which may be deemed necessary by the Depository in order to enable the Depository to vote such Stock or cause such Stock
to be voted. In the absence of specific instructions from Holders of Receipts, the Depository will not vote (but at its discretion,
may appear at any meeting with respect to such Stock unless directed otherwise by the Holders of all the Receipts) to the extent
of the Stock represented by the Depositary Shares evidenced by the Receipts of such Holders.</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 4.6</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Changes
Affecting Deposited Securities and Reclassifications, Recapitalizations, etc.</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">Upon any change in par or stated value, split-up,
combination or any other reclassification of the Stock, subject to the provisions of the Articles, or upon any recapitalization,
reorganization, merger or consolidation affecting the Corporation or to which it is a party, the Depository may in its discretion
with the approval of, and shall upon the instructions of, the Corporation, and (in either case) in such manner as the Depository
may deem equitable, (i) make such adjustments as are certified by the Corporation in the fraction of an interest represented by
one Depositary Share in one share of Stock and in the ratio of the redemption price per Depositary Share to the redemption price
per share of Stock, in each case as may be necessary fully to reflect the effects of such change in par or stated value, split-up,
combination or other reclassification of the Stock, or of such recapitalization, reorganization, merger or consolidation and (ii)
treat any securities which shall be received by the Depository 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 Corporation
may in its discretion direct the Depository to 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 or consolidation
to surrender such Receipts to the Depository 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</P>



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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">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. The Corporation shall cause reflective provisions to be included in the charter
or equivalent organizational document of the resulting or surviving entity (if other than the Corporation) for the protection of
such rights as may be applicable upon the exchange of the deposited Stock for securities or property or cash of the resulting or
surviving entity in connection with the transactions set forth above. The Corporation shall cause any such surviving entity (if
other than the Corporation) to expressly assume the obligations of the Corporation hereunder or to enter into a deposit agreement
in form and substance providing for substantially the same rights and protection for the Holders.</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: 36pt"><FONT STYLE="color: #010000">Section 4.7</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Delivery
of Reports</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">The Depository shall furnish to Holders of
Receipts any reports and communications received from the Corporation which are received by the Depository, as the holder of the
Stock, and which the Corporation is required to furnish to the holders of the 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 4.8</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Lists
of Receipt Holders</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">Reasonably promptly upon request from time
to time by the Corporation, at the sole expense of the Corporation, the Depository shall furnish to it a list, as of the most recent
practicable date, of the names, addresses and holdings of Depositary Shares of all registered Holders of Receipts.</P>

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

<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0pt">Article
V<BR>
THE DEPOSITORY, THE DEPOSITORY&rsquo;S AGENTS, THE REGISTRAR AND THE CORPORATION</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 5.1</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Maintenance
of Offices, Agencies and Transfer Books by the Depository; Registrar; Depository&rsquo;s Agents</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">Upon execution of this Agreement, the Depository
shall maintain at the Depository&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 Depository&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 Agreement; provided that, to the extent provisions of this Agreement regarding transfer or registration functions performed by the
Depository conflict with the terms of any transfer agency agreement between the Corporation and the Depository, the terms of such
transfer agency agreement shall control.</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">The Registrar shall keep books at the Depository&rsquo;s
Office for the registration and transfer of Receipts. Upon direction by the Corporation and with reasonable notice to the Registrar,
the Depository shall open its books for inspection by the Record Holders of Receipts as directed by the Corporation; provided that any Holder shall be granted such right by the Corporation only after certifying 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>



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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">The Registrar 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: 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">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 Depository will appoint a registrar (acceptable to the Corporation) for registration of the Receipts or Depositary Shares in
accordance with any requirements of such exchange. Such registrar (which may be the Trust Company if so permitted by the requirements
of any such exchange) may be removed and a substitute registrar appointed by the Depository upon the request or with the approval
of the Corporation. If the Receipts, Depositary Shares or Stock are listed on one or more other securities exchanges, the Registrar
will, at the request of the Corporation, arrange such facilities for the delivery, registration, registration of transfer, surrender
and exchange of the Receipts, Depositary Shares or Stock as may be required by law or applicable securities exchange regulation.</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">The Depository may from time to time appoint
Depository&rsquo;s Agents to act in any respect for the Depository for the purposes of this Agreement and may from time to time
appoint additional Depository&rsquo;s Agents and vary or terminate the appointment of such Depository&rsquo;s Agents, provided
that the Depository will notify the Corporation of any such appointment or variation or termination of such appointment.</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 5.2</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Prevention
of or Delay in Performance by the Depository, the Depository&rsquo;s Agents, the Registrar or the Corporation</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">None of the Depository, any Depository&rsquo;s
Agent, any Registrar or the Corporation shall incur any liability to any Holder of a 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 Depository, the Depository&rsquo;s Agent or the Registrar, by reason of any provision, present or future, of the
Corporation&rsquo;s Restated Charter (as amended and including the Articles) or by reason of any act of God or war or other circumstance
beyond the control of the relevant party, the Depository, the Depository&rsquo;s Agent, the Registrar or the Corporation shall
be prevented, delayed or forbidden from, or subjected to any penalty on account of, doing or performing any act or thing which
the terms of this Agreement provide shall be done or performed. Nor shall the Depository, any Depository&rsquo;s Agent, any Registrar
or the Corporation incur liability to any Holder of a Receipt (i) by reason of any nonperformance or delay, caused as aforesaid,
in the performance of any act or thing which the terms of this Agreement shall provide shall or may be done or performed, or (ii)
by reason of any exercise of, or failure to exercise, any discretion provided for in this Agreement except, in case of any such
exercise or failure to exercise discretion not caused as aforesaid, if caused by the gross negligence, willful misconduct or bad
faith (each as determined by a final judgment of a court of competent jurisdiction) of the party charged with such exercise or
failure to exercise, or as otherwise explicitly set forth in this Agreement.</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 5.3</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Obligations
of the Depository, the Depository&rsquo;s Agents, the Registrar and the Corporation</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">Whenever in the performance of its duties
under this Agreement the Depository shall deem it necessary or desirable that any fact or matter be proved or established by the
Corporation prior to taking or suffering any action hereunder, such fact or matter (unless other evidence in respect thereof be
herein specifically prescribed) may be deemed to be conclusively proved and established by a statement signed by the Chairman of
the Board, the President, Chief Executive Officer, the Senior Executive Vice President, Chief Financial Officer, or the Corporate
Secretary of the Corporation and delivered to the Depository. The Depository may rely upon, and be held harmless for such reliance,
upon such statement for any action taken or suffered by it pursuant to the provisions of this Agreement and shall not be held liable
in connection with any delay in receiving such statement.</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">The Depository, any Depository&rsquo;s Agent
and any Registrar shall not be obligated to expend or risk its own funds or to take any action that it believes would expose or
subject it to expense or liability or to a risk of incurring expense or liability, unless it has been furnished with assurances
of repayment or indemnity satisfactory to it.</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">The Depository shall not be accountable or
under any duty or responsibility for the use by the Corporation of any Receipts authenticated by the Depository and delivered by
it to the Corporation pursuant to this Agreement or for the application by the Corporation of the proceeds of the issue and sale,
or exercise, of the Receipts.</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">The Depository shall not have any duty or
responsibility in the case of the receipt of any written demand from any Holder with respect to any action or default by the Corporation,
including, without limiting the generality of the foregoing, any duty or responsibility to initiate or attempt to initiate any
proceedings at law or otherwise or to make any demand upon 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">None of the Depository, any Depository&rsquo;s
Agent, any Registrar or the Corporation shall be liable for any action or any failure to act by it in reliance upon the written
advice of legal counsel (including legal counsel for the Corporation) or accountants, or information from any person presenting
Stock for deposit, any Holder of a Receipt or any other person. Such advice shall be full and complete authorization, protection
to, and indemnification by the Corporation of, the Depository, the Depository&rsquo;s Agent, any Registrar and subcontractors as
to any action taken or omitted by it in accordance with such advice, believed (in the absence of gross negligence, willful misconduct
or bad faith, each as determined by a final judgment of a court of competent jurisdiction) by such parties to be genuine and to
have been signed or presented by the proper party or parties.</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">The Depository 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 inaction does not result from fraud, gross negligence, willful misconduct or bad faith (each as determined
by a final judgment of a court of competent jurisdiction). The Depository undertakes, and any Registrar shall be required to undertake,
to perform such duties and only such duties as are expressly set forth in this Agreement, and no implied covenants or obligations</P>



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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">shall be read into this Agreement against
the Depository or any Registrar. The Depository shall act hereunder solely as agent for the Corporation and shall not assume any
obligations or relationship of agency or trust with any of the Holders.</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: 36pt">The Depository may execute and exercise any
of the rights or powers hereby vested in it or perform any duty hereunder either itself or by or through its attorney or agents,
and the Depository shall not be answerable or accountable for any act, default, neglect or misconduct of any such attorney or agents
or for any loss to the Corporation resulting from any such act, default, neglect or misconduct, absent gross negligence, bad faith
or willful misconduct (each as determined by a final judgment of a court of competent jurisdiction) in the selection and continued
employment thereof.</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">From time to time, the Corporation may provide
the Depository with instructions concerning the services performed by the Depository hereunder. In addition, at any time the Depository
may apply to any officer of the Corporation for instructions. The Depository may rely on and shall be held harmless and protected
and shall incur no liability for or in respect of any action taken, suffered or omitted to be taken by it in reliance upon any
certificate, statement, instrument, opinion, notice, letter, facsimile transmission, telegram or other document, or any security
delivered to it, and believed by it to be genuine and to have been made or signed by the proper party or parties, or upon any written
or oral instructions or statements from the Corporation with respect to any matter relating to its acting as Depository hereunder.
The Depository shall not be held to have notice of any change of authority of any person, until receipt of written notice thereof
from 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">The Depository, its parent, affiliates or
subsidiaries, the Depository&rsquo;s Agents, the Registrar, and each of their equity holders, directors, officers or employees
may own, buy, sell and deal in any class of securities of the Corporation and its affiliates and in Receipts or Depositary Shares
or become pecuniarily interested in any transaction in which the Corporation or its affiliates may be interested or contract with
or lend money to any such person or otherwise act as fully or as freely as if it were not the Depository, the parent, affiliate
or subsidiary or the Depository&rsquo;s Agent or the Registrar hereunder. The Depository may also act as trustee, transfer agent
or registrar of any of the securities of the Corporation and its affiliates. Nothing herein shall preclude the Depository from
acting in any other capacity for the Corporation or for any other legal entity.</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">None of the Depository (or its officers,
directors, employees or agents), any Depository&rsquo;s Agent or the Registrar makes any representation or has any responsibility
as to the validity of the registration statement pursuant to which the Depositary Shares are registered under the Securities Act,
the Stock, the Depositary Shares or the Receipts (except for its counter-signatures thereon) or any instruments referred to therein
or herein, or as to the correctness of any statement made therein or herein and the Depository shall not be liable for or by reason
of any of the statements of fact or recitals contained in this Agreement or in the Receipts (except its countersignature hereof
and thereof) or be required to verify the same, and all such statements and recitals are and shall be deemed to have been made
by the Corporation only; provided that the Depositary is responsible for any and all of its representations in this Agreement.</P>



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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">The Depository shall have no responsibility
for any breach by the Corporation of any covenant or condition contained in this Agreement or in any Receipt; nor shall it be responsible
to make any calculations or adjustments (or confirm or verify the accuracy or correctness of any such calculations or adjustments)
required under any provisions of the Receipts or this Agreement; nor shall it be responsible for the manner, method or amount of
any such calculations or adjustments or the ascertaining of the existence of facts that would require any such calculations or
adjustments; nor shall it by any act hereunder be deemed to make any representation or warranty as to the authorization or reservation
of any shares of Stock to be issued pursuant to this Agreement or any Receipt or as to whether any shares of Stock will when issued
be valid and fully paid and nonassessable.</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">The Depository assumes no responsibility
for the correctness of the description that appears in the Receipts. Notwithstanding any other provision herein or in the Receipts,
the Depository makes no warranties or representations as to the validity or genuineness of any Stock at any time deposited with
the Depository hereunder or of the Depositary Shares, as to the validity or sufficiency of this Agreement, as to the value of the
Depositary Shares or as to any right, title or interest of the record holders of Receipts in and to the Depositary Shares. The
Depository shall not be accountable for the use or application by the Corporation of the Depositary Shares or the Receipts or the
proceeds thereof.</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">The Depository may rely on and be fully authorized
and protected in acting or failing to act upon (i) any guaranty of signature by an &ldquo;eligible guarantor institution&rdquo;
that is a member or participant in the Securities Transfer Agents Medallion Program or other comparable &ldquo;signature guarantee
program&rdquo; or insurance program in addition to, or in substitution for, the foregoing; or (ii) any law, act, regulation or any interpretation of the same even though such law, act, or regulation may thereafter
have been altered, changed, amended or repealed.</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">Notwithstanding anything to the contrary
herein, no party to this Agreement shall be liable for any incidental, indirect, punitive, special or consequential damages of
any nature whatsoever, including, but not limited to, loss of anticipated profits, arising under any provision of this Agreement
or out of any act or failure to act even if apprised of the possibility of such damages.</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">The Depository 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 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 Depository shall not be responsible for advancing funds on behalf of the Corporation 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: 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">In the event the Depository believes any
ambiguity or uncertainty exists hereunder or in any notice, instruction, direction, request or other communication, paper or document
received by the Depository hereunder, or in the administration of any of the provisions of this Agreement, the Depository 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 Depository may, in its sole discretion upon written notice to the Corporation, refrain from taking any action and
shall be fully protected and shall not be liable in any way to the Corporation, any Holders of</P>



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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">Receipts or any other person or entity for
refraining from taking such action, unless the Depository receives written instructions or a certificate signed by the Corporation
which eliminates such ambiguity or uncertainty to the satisfaction of the Depository or which proves or establishes the applicable
matter to the satisfaction of the Depository.</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: 36pt">The Depository undertakes not to issue any
Receipt other than to evidence the Depositary Shares representing interests in the shares of Stock that have been delivered to
and are then on deposit with the Depository.</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">The Depository also undertakes not to sell,
except as provided herein, pledge or lend Depositary Shares or any shares of deposited Stock by it as Depository.</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">The Depository shall not be held to have
notice of any change of authority of any person, until receipt of written notice thereof from the Corporation. The obligations
of the Corporation and the rights of the Depository set forth in this Section 5.3 shall survive the termination of this Agreement,
the resignation, removal of the Depository, and any succession of any Depository, Registrar or Depository&rsquo;s Agent.</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 5.4</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Resignation
and Removal of the Depository&#894; Appointment of Successor Depository</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">The Depository may at any time resign as
Depository hereunder by delivering notice (pursuant to the notice provisions contained in <U>Section 7.4</U>) of its election to
do so to the Corporation upon 30 days&rsquo; notice of such resignation. The Depository may at any time be removed by the Corporation
by 30 days&rsquo; written notice of such removal delivered to the Depository.</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">In case at any time the Depository acting
hereunder shall resign or be removed, the Corporation shall, within 30 days after the delivery of the notice of resignation or
removal, as the case may be, appoint a successor Depository, which shall be authorized under applicable laws to exercise the powers
of a transfer agent and subject to supervision or examination by federal or state authorities having its principal office in the
United States of America and (together with its affiliates) having a combined capital and surplus of at least $50,000,000. If no
successor Depository shall have been so appointed and have accepted appointment within 30 days after delivery of such notice, a
Holder may petition any court of competent jurisdiction for the appointment of a successor Depository. Every successor Depository
shall execute and deliver to its predecessor and to the Corporation an instrument in writing accepting its appointment hereunder,
and thereupon such successor Depository, 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 Depository under this Agreement, and such predecessor,
upon payment of all sums due it and on the written request of the Corporation, 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 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 successor Depository shall promptly provide notice of its appointment to the Record Holders of Receipts.</P>



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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Any entity into or with which the Depository
may be merged, consolidated or converted, or any person to which all or a substantial part of the assets of the Depository may
be transferred or which succeeds to the shareholder services business of the Depository shall be the successor of the Depository
without the execution or filing of any document or any further act, and notice thereof shall not be required hereunder. Such successor
Depository may authenticate the Receipts in the name of the predecessor Depository or its own name as successor Depository.</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 5.5</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Corporate
Notices and Reports</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">The Corporation agrees that it will deliver
to the Depository, and the Depository will, as soon as practicable, after receipt thereof, transmit to the Record Holders of Receipts,
in each case at the addresses recorded in the Depository&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 Corporation&rsquo;s Restated Charter (as amended and including the Articles), to be furnished
to the Record Holders of Receipts. Such transmission will be at the Corporation&rsquo;s expense and the Corporation will provide
the Depository with such number of copies of such documents as the Depository may request. In addition, the Depository will transmit
to the Record Holders of Receipts at the Corporation&rsquo;s expense, including applicable fees, such other documents as may be
requested by 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 5.6</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Indemnification
by the Corporation</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">The Corporation shall indemnify the Depository, any Depository&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) may
be paid, incurred or suffered by or to which it may become subject, arising from or out of, directly or indirectly, any claims
or liability resulting from acts performed, suffered or omitted to be taken in connection with this Agreement and the Receipts
by the Depository, any Registrar or any of their respective agents (including any Depository&rsquo;s Agent) and any transactions
or documents contemplated hereby, except for any liability arising out of gross negligence, willful misconduct or bad faith (each
as determined by a final judgment of a court of competent jurisdiction) on the respective parts of any such person or persons.
The costs and expenses incurred by the Depository in enforcing this right of indemnification shall be paid for by the Corporation.
The obligations of the Corporation and the rights of the Depository set forth in this <U>Section 5.6</U> shall survive the termination
of this Agreement and any succession of any Depository, Registrar or Depository&rsquo;s Agent.</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">Section 5.7</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Fees,
Charges and Expenses</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">The Corporation agrees promptly to pay the
Depository the compensation to be agreed upon with the Corporation for all services rendered by the Depository hereunder and to
reimburse the Depository for its reasonable out-of-pocket expenses (including reasonable counsel fees and expenses) incurred by
the Depository without gross negligence, willful misconduct or bad faith (each as determined by a final judgment of a court of
competent jurisdiction) on its part (or on the part of any agent or Depository&rsquo;s Agent) in connection with the services rendered
by it (or such agent or Depository&rsquo;s Agent) hereunder. The Corporation shall</P>



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    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">pay all charges of the Depository in connection
with the initial deposit of the Stock and the initial issuance of the Depositary Shares and any redemption or exchange of the Stock
at the option of the Corporation. The Corporation shall pay all transfer and other taxes and governmental charges arising solely
from the existence of the depository 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 Depository incurs
charges or expenses for which the Corporation is not otherwise liable hereunder, such Holder will be liable for such charges and
expenses&#894; provided, however, that the Depository may, at its sole option, request that the Corporation direct a Holder of
a Receipt to prepay the Depository any charge or expense the Depository has been asked to incur at the request of such Holder of
Receipts. The Depository shall present its statement for charges and expenses to the Corporation at such intervals as the Corporation
and the Depository may agree. The Depository shall not register any transfer or issue or deliver any Receipt(s) or Depositary Shares
unless or until the persons requesting the registration or issuance shall have paid to the Depository for the account of the Corporation
the amount of such tax, if any, or shall have established to the reasonable satisfaction of the Corporation and the Depository
that such tax, if any, has been paid.</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: 36pt"><FONT STYLE="color: #010000">Section 5.8</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Tax
Compliance</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">The Depository on its own behalf and on behalf
of the Corporation, will comply with all applicable certification, information reporting and withholding (including &ldquo;backup&rdquo;
withholding) requirements imposed by applicable tax laws, regulations or administrative practice with respect to (i) any payments
made with respect to the Depositary Shares or (ii) the issuance, delivery, holding, transfer, redemption or exercise of rights
under the Depositary Receipts or the Depositary Shares. Such compliance shall include, without limitation, the preparation and
timely filing of required returns and the timely payment of all amounts required to be withheld to the appropriate taxing authority
or its designated agent.</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">The Depository shall comply with any written
instructions received from the Corporation with respect to the application of such requirements to particular payments or Holders,
and may for purposes of this Agreement rely on any such instructions in accordance with the provisions of <U>Section 5.3</U> hereof.
The Depository shall have no duties, responsibilities or obligations to take any action under this paragraph without clear and
precise instructions from 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">The Depository shall maintain all appropriate
records documenting compliance with such requirements, and shall make such records available on reasonable request to the Corporation
or to its authorized representatives.</P>

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

<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0pt">Article
VI<BR>
AMENDMENT AND TERMINATION</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 6.1</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Amendment</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">The form of the Receipts and any provisions
of this Agreement may at any time and from time to time be amended by agreement between the Corporation and the Depository without
the consent of Holders of Receipts in any respect which they may deem necessary or desirable&#894; provided, however, that no such
amendment (other than a change in fees) which shall materially</P>



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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">and adversely alter the rights of the Holders
of Receipts shall be effective unless such amendment shall have been approved by the Holders of Receipts evidencing at least a
majority 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 this Agreement.</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: 36pt">Notwithstanding the foregoing, in no event
shall the Corporation be required to execute any amendment which may impair the right, subject to the provisions of <U>Sections
2.6</U> and <U>2.7</U> and Article III, of any owner of Depositary Shares to surrender any Receipt evidencing such Depositary Shares
to the Depository 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. As a condition precedent to the Depository&rsquo;s execution of any amendment,
the Corporation shall deliver to the Depository a certificate from a duly authorized officer of the Corporation that states that
the proposed amendment is in compliance with the terms of this <U>Section 6.1</U>, provided that, if, under the foregoing paragraph,
such amendment would require approval of at least a majority of Holders of Receipts to be effective, such Holders shall be deemed
to have consented and agreed to such amendment for purposes of the statement in such certificate that such amendment is in compliance
with the terms of this <U>Section 6</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">Section 6.2</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Termination</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">Without limiting the provisions contained
in <U>Section 5.4</U>, this Agreement may be terminated by the Corporation or the Depository only if (i) all outstanding Depositary
Shares issued hereunder have been redeemed pursuant to <U>Section 2.9</U> hereof, or (ii) there shall have been made a final distribution
in respect of the Stock in connection with any liquidation, dissolution or winding up of the Corporation and such distribution
shall have been distributed to the Holders of Receipts representing Depositary Shares pursuant to <U>Section 4.1</U> or <U>4.2</U>
hereof, 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: 36pt">Upon the termination of this Agreement, the
Corporation shall be discharged from all obligations under this Agreement except for its obligations to the Depository, any Depository&rsquo;s
Agent and any Registrar under <U>Sections 5.3</U>, <U>5.6</U> and <U>5.7</U>.</P>

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

<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0pt">Article
VII<BR>
MISCELLANEOUS</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 7.1</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Counterparts</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">This 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: 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 7.2</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Exclusive
Benefit of Parties</U>.</P>



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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">This 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: 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 7.3</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Invalidity
of Provisions</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">In case any one or more of the provisions
contained in this 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>

<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 7.4</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Notices</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">Any and all notices to be given to the Corporation
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, postage prepaid, or recognized next day courier service, or by facsimile transmission or electronic mail (upon confirmation
by letter otherwise delivered hereunder), addressed to the Corporation at:</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 0pt 18pt">First Horizon National Corporation<BR>
165 Madison Avenue, 12th Floor<BR>
Memphis, TN 38103<BR>
Attn: Janet E. Denkler<BR>
Email: jedenkler@firsthorizon.com</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 18pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">or at any other addresses of which the Corporation shall have
notified the Depository in writing.</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">Any and all notices to be given to the Depository
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, postage prepaid, or recognized next day courier service, or by facsimile transmission or electronic mail (upon confirmation
by letter otherwise delivered hereunder), addressed to the Depository at the Depository&rsquo;s Office at:</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 0pt 18pt">Equiniti Trust Company<BR>
1110 Centre Pointe Curve, Suite 101<BR>
Mendota Heights, MN 55120<BR>
Attention: John Lundberg<BR>
Email: john.lundberg@equiniti.com</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 18pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">or at any other address of which the Depository shall have notified
the Corporation in writing.</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">The Depository shall give any and all notices
directed to be given by the Corporation to any Record Holder of a Receipt in writing, which notices shall be deemed to have been
duly given if personally delivered or sent by mail or electronic transmission or confirmed by letter, addressed to such Record
Holder at the address of such Record Holder as it appears on the books of the Depository. Any written notices given to any record
holder of a DTC Receipt shall be deemed to have been duly given if transmitted through the facilities of DTC in accordance with
DTC&rsquo;s procedures.</P>



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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Delivery of a notice sent by mail, facsimile
or electronic transmission shall be deemed to be effected (i) in the case of mail, at the time when a duly addressed letter containing
the same is deposited, postage prepaid, in a post office letter box, (ii) in the case of a recognized next-day courier service,
the next business day after delivery to the courier service (iii) in the case of facsimile, upon receipt of a confirmation of delivery
on a business day during normal business hours and (iv) in the case of electronic mail, the receipt of the electronic mail on a
business day during normal business hours. The Depository or the Corporation may, however, act upon any facsimile transmission
received by it from the other, notwithstanding that such facsimile transmission shall not subsequently be confirmed by letter or
as aforesaid.</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">Delivery of a notice by the Corporation to
the Depository or by the Depository by the Corporation 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, and (iii) in the case of
facsimile, upon receipt of a confirmation of delivery on a business day during normal business hours.</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 7.5</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Appointment
of Registrar and Transfer Agent, Dividend Disbursing Agent and Redemption Agent</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">The Corporation 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 as Transfer Agent, Registrar,
dividend disbursing agent and redemption agent in respect of the Stock, each of the Corporation and Equiniti Trust Company, in
their respective capacities under such appointments, shall be entitled to the same rights, indemnities, immunities and benefits
as the Corporation and Depository hereunder, respectively, as if explicitly named in each such provision.</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 7.6</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Holders
of Receipts Are Parties</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">The Holders of Receipts from time to time
shall be parties to this Agreement and shall be bound by all of the terms and conditions hereof and of the Receipts. The provisions
of this Agreement are intended to benefit only the parties hereto and their respective permitted successors and assigns, and no
rights shall be granted to any other person by virtue of this Agreement.</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 7.7</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Governing
Law</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">This Agreement and the Receipts of each series
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: 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">The parties hereunder hereby agree that any
action, proceeding or claim against it arising out of or relating in any way to this Agreement shall be brought and enforced in
the courts of the State of New York or the United States District Court for the Southern District of New York, and irrevocably
submits to such jurisdiction, which jurisdiction shall be exclusive. The parties hereunder hereby waive any objection to such exclusive
jurisdiction and that such courts represent an inconvenient forum. Any such process or summons to be served upon either party</P>



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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">may be served by transmitting a copy thereof
by registered or certified mail, return receipt requested, postage prepaid, addressed to it at the address set forth in <U>Section
7.4</U> hereof. Such mailing shall be deemed personal service and shall be legal and binding upon such party in any action, proceeding
or claim.</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: 36pt"><FONT STYLE="color: #010000">Section 7.8</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Headings</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">The headings of articles and sections in
this Agreement and in the form of the Receipt set forth in <U>Exhibit A</U> hereto have been inserted for convenience only and
are not to be regarded as a part of this 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: 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 7.9</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Force
Majeure</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">Notwithstanding anything to the contrary
contained herein, the Depository will not be liable for any delays or failures in performance resulting from acts beyond its reasonable
control including, without limitation, acts of God, terrorist acts, shortage of supply, breakdowns or malfunctions, interruptions
or malfunction of computer facilities, or loss of data due to power failures or mechanical difficulties with information storage
or retrieval systems, labor difficulties, war, or civil unrest.</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 7.10</FONT>&nbsp;&nbsp;&nbsp;&nbsp;<U>Confidentiality</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">The Depository and the Corporation agree
that all books, records, information and data pertaining to the business of the other party, including inter alia, personal, non-public
warrant holder information, which are exchanged or received pursuant to the negotiation or the carrying out of this Agreement,
including the fees for services contemplated hereunder, shall remain confidential, and shall not be voluntarily disclosed to any
other person, except as may be required by law, including, without limitation, pursuant to subpoenas from state or federal government
authorities (e.g., in divorce and criminal actions). However, each party may disclose relevant aspects of the other party&rsquo;s
confidential information to its officers, affiliates, agents, subcontractors and employees to the extent reasonably necessary to
perform its duties and obligations under this Agreement and such disclosure is not prohibited by applicable law.</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-align: center">[Signature page follows.]</P>



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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">IN WITNESS WHEREOF, the Corporation and the
Depository have duly executed this Agreement as of the day and year first above set forth.</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">FIRST HORIZON NATIONAL CORPORATION</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>By:&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1px solid">/s/ Dane Smith</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 6%; padding-left: 14pt">Name:&nbsp;</TD>
    <TD STYLE="width: 25%">Dane Smith</TD>
    <TD STYLE="width: 61%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 14pt">Title:</TD>
    <TD COLSPAN="2">Senior Vice President and Corporate Treasurer</TD></TR>
</TABLE>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 3%">By:&nbsp;</TD>
    <TD STYLE="width: 35%; border-bottom: Black 1px solid">/s/ Martin J. Knapp</TD>
    <TD STYLE="width: 62%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 14pt">Name: Martin J. Knapp</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 14pt">Title: Vice President</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0pt; color: #010000">EXHIBIT
A</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0pt; color: #010000">&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: 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 DEPOSITARY SHARES REPRESENTED BY THIS
CERTIFICATE ARE NOT SAVINGS ACCOUNTS, DEPOSITS OR OTHER OBLIGATIONS OF A BANK AND ARE NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE
CORPORATION OR ANY OTHER GOVERNMENT 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">[<I>To be included in any DTC Receipt or
other global Receipt: </I>UNLESS THIS RECEIPT IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW
YORK CORPORATION (&ldquo;DTC&rdquo;), TO THE CORPORATION OR ITS AGENT (INCLUDING THE DEPOSITORY) FOR REGISTRATION OF TRANSFER,
EXCHANGE, OR PAYMENT, AND ANY RECEIPT 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: 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">TRANSFERS OF THIS RECEIPT SHALL BE LIMITED
TO TRANSFERS IN WHOLE, BUT NOT IN PART, TO NOMINEES OF DTC OR TO A SUCCESSOR THEREOF OR SUCH SUCCESSOR&rsquo;S NOMINEE AND TRANSFERS
OF PORTIONS OF THIS RECEIPT SHALL BE LIMITED TO TRANSFERS MADE IN ACCORDANCE WITH THE RESTRICTIONS SET FORTH IN THE DEPOSIT AGREEMENT
REFERRED TO BELOW. IN CONNECTION WITH ANY TRANSFER, THE HOLDER WILL DELIVER TO THE REGISTRAR AND TRANSFER AGENT SUCH CERTIFICATES
AND OTHER INFORMATION AS SUCH REGISTRAR AND TRANSFER AGENT MAY REQUIRE TO CONFIRM THAT THE TRANSFER COMPLIES WITH THE FOREGOING
RESTRICTIONS.]</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 75%">Number DR-</TD>
    <TD STYLE="width: 25%">Depositary Shares<BR>
(CUSIP: [<FONT STYLE="font-family: Georgia, Times, Serif">&bull;</FONT>])</TD></TR>
</TABLE>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">DEPOSITARY RECEIPT FOR DEPOSITARY SHARES,<BR>
EACH REPRESENTING ONE 1/400<FONT STYLE="font-size: 6.5pt">TH </FONT>OF ONE SHARE OF<BR>
6.625% FIXED-TO-FLOATING NON-CUMULATIVE PERPETUAL PREFERRED STOCK, <BR>
SERIES B, OF<BR>
FIRST HORIZON NATIONAL CORPORATION<BR>
Incorporated under the laws of the State of Tennessee<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: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Equiniti Trust Company, a limited trust
company organized under the laws of the State of New York (the &ldquo;Depository&rdquo;), hereby certifies that
CEDE&nbsp;&amp; CO. is the registered owner of ( ) DEPOSITARY SHARES (&ldquo;Depositary Shares&rdquo;), each Depositary Share
representing one 1/400<FONT STYLE="font-size: 6.5pt">th </FONT>of a share of 6.625% Fixed-to-Floating Non-Cumulative
Perpetual Preferred Stock, Series B, liquidation preference $10,000 per share, no par value (the &ldquo;Stock&rdquo;), of
FIRST HORIZON NATIONAL CORPORATION, a Tennessee corporation (the &ldquo;Corporation&rdquo;), on deposit with the Depository,
subject to the terms and entitled to the benefits of the Deposit Agreement dated as of July 1, 2020 (the &ldquo;Deposit
Agreement&rdquo;), among the Corporation, Equiniti Trust Company 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 Depository by the manual, facsimile or
electronic signature of a duly authorized officer and countersigned and registered by the transfer agent and registrar.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>Dated:</TD>
    <TD COLSPAN="2">Equiniti Trust Company, as Depository</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 65%">&nbsp;</TD>
    <TD STYLE="width: 5%">By:</TD>
    <TD STYLE="width: 30%; border-bottom: Black 1px solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 10pt">Authorized Officer</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Countersigned and Registered:<BR>
Equiniti Trust Company,<BR>
Transfer Agent and Registrar</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%">By:</TD>
    <TD STYLE="width: 35%; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="width: 61%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 10pt">Authorized Signatory</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[FORM OF REVERSE OF RECEIPT]<BR>
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-indent: 36pt">UPON REQUEST, THE CORPORATION WILL FURNISH
WITHOUT CHARGE TO EACH HOLDER OF A DEPOSITARY RECEIPT WHO SO REQUESTS A COPY OF THE DEPOSIT AGREEMENT AND A COPY OR SUMMARY OF
THE ARTICLES OF AMENDMENT OF THE 6.625% FIXED-TO-FLOATING NONCUMULATIVE PERPETUAL PREFERRED STOCK, SERIES B, OF FIRST HORIZON NATIONAL
CORPORATION. ANY SUCH REQUEST IS TO BE ADDRESSED TO THE SECRETARY OF THE CORPORATION OR THE DEPOSITORY NAMED ON THE FACE OF THIS
RECEIPT.</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">The Corporation will furnish without charge
to each holder of a depositary receipt 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 or rights. Such request may be made to the Corporation or to the Registrar.</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">KEEP THIS CERTIFICATE IN A SAFE PLACE. IF
IT IS LOST, STOLEN OR DESTROYED THE CORPORATION WILL REQUIRE A BOND OF INDEMNITY AS A CONDITION TO THE ISSUANCE OF A REPLACEMENT
CERTIFICATE.</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">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: 0pt 0; text-indent: 36pt">&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%; padding-right: 25pt; padding-bottom: 12pt; padding-left: 5.4pt">TEN COM &ndash; as tenants in common</TD>
    <TD STYLE="width: 50%; padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 10pt">UNIF GIFT MIN ACT &ndash; Custodian</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 25pt; padding-bottom: 12pt; padding-left: 5.4pt">TEN ENT &ndash; as tenants by the entireties</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 10pt">(Cust) _____________________&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(Minor)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 25pt; padding-bottom: 12pt; padding-left: 5.4pt">JT TEN &ndash; as joint tenants with right of survivorship and not as tenants in common</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 10pt">Under Uniform Gifts to Minors</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 25pt; padding-bottom: 12pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 10pt">_____________&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Act<BR>
_____________&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(State)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 25pt; padding-bottom: 12pt; padding-left: 5.4pt">Additional abbreviations may also be used though not in the above list.</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 12pt; padding-left: 10pt">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">For value received, _____________________ hereby sells, assigns
and transfers unto</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">PLEASE INSERT SOCIAL SECURITY OR OTHER IDENTIFYING NUMBER OF
ASSIGNEE</P>



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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS,
INCLUDING 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: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Depositary Shares represented by the within Certificate, and
do(es) hereby irrevocably constitute and appoint ________________________ as Attorney to transfer the</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">Depositary Shares on the books of the within named Depository
with full power of substitution in the premises.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Dated</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">NOTICE: THE SIGNATURE TO THIS ASSIGNMENT MUST CORRESPOND WITH
THE NAME AS WRITTEN UPON THE FACE OF THE</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">CERTIFICATE IN EVERY PARTICULAR, WITHOUT
ALTERATION OR ENLARGEMENT OR ANY CHANGE WHATEVER.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 140pt; padding-right: 5.4pt; padding-left: 5.4pt">SIGNATURE(S) GUARANTEED:</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">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 PROGRAM), PURSUANT TO RULE 17Ad-15 UNDER THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED.</TD></TR>
</TABLE>

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<TYPE>EX-4.2
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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 4.2</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">FIRST HORIZON NATIONAL CORPORATION</P>

<P STYLE="font: 5pt 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">6.600% FIXED-TO-FLOATING NON-CUMULATIVE PERPETUAL PREFERRED STOCK,</P>

<P STYLE="font: 5pt 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">SERIES C</P>

<P STYLE="font: 5pt 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">DEPOSIT AGREEMENT</P>

<P STYLE="font: 5pt 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">among</P>

<P STYLE="font: 5pt 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: 5pt 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">EQUINITI TRUST COMPANY,</P>

<P STYLE="font: 5pt 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">as Depository</P>

<P STYLE="font: 5pt 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">and</P>

<P STYLE="font: 5pt 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">THE HOLDERS FROM TIME TO TIME OF</P>

<P STYLE="font: 5pt 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">THE DEPOSITARY RECEIPTS DESCRIBED HEREIN</P>

<P STYLE="font: 5pt 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 July 1, 2020</P>

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

<P STYLE="font: bold 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-transform: uppercase; text-align: center">Article I<BR>
Defined Terms</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 12pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 72pt; font: 12pt Times New Roman, Times, Serif; text-indent: 0pt">Section 1.1</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-indent: 0pt">Definitions</TD>
    <TD STYLE="width: 6%; font: 12pt Times New Roman, Times, Serif; text-align: right; text-indent: 0pt">1</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">Article II<BR>
APPOINTMENT OF DEPOSITORY; BOOK-ENTRY SYSTEM; FORM OF RECEIPTS; DEPOSIT OF STOCK; EXECUTION AND DELIVERY; TRANSFER, SURRENDER AND
REDEMPTION OF RECEIPTS</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 12pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 72pt; text-indent: 0pt">Section 2.1</TD>
    <TD STYLE="text-indent: 0pt">Appointment of Depository</TD>
    <TD STYLE="width: 6%; text-align: right; text-indent: 0pt">2</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 2.2</TD>
    <TD STYLE="text-indent: 0pt">Book-Entry System&#894; Form and Transfer of Receipts</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">2</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 2.3</TD>
    <TD STYLE="text-indent: 0pt">Deposit of Stock; Execution and Delivery of Receipts</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">5</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 2.4</TD>
    <TD STYLE="text-indent: 0pt">Registration of Transfer of Receipts</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">6</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 2.5</TD>
    <TD STYLE="text-indent: 0pt">Split-ups and Combinations of Receipts; Surrender of Receipts and Withdrawal of Stock</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">6</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 2.6</TD>
    <TD STYLE="text-indent: 0pt">Limitations on Execution and Delivery, Transfer, Surrender and Exchange of Receipts</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">7</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 2.7</TD>
    <TD STYLE="text-indent: 0pt">Lost Receipts, etc.</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">8</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 2.8</TD>
    <TD STYLE="text-indent: 0pt">Cancellation and Destruction of Surrendered Receipts</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">8</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 2.9</TD>
    <TD STYLE="text-indent: 0pt">Redemption of Stock</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">8</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">Article III<BR>
CERTAIN OBLIGATIONS OF HOLDERS OF RECEIPTS AND THE CORPORATION</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 12pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 72pt; text-indent: 0pt">Section 3.1</TD>
    <TD STYLE="text-indent: 0pt">Filing Proofs&#894; Certificates and Other Information</TD>
    <TD STYLE="width: 6%; text-align: right; text-indent: 0pt">9</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 3.2</TD>
    <TD STYLE="text-indent: 0pt">Payment of Taxes or Other Governmental Charges</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">9</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 3.3</TD>
    <TD STYLE="text-indent: 0pt">Warranty as to Stock</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">10</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 3.4</TD>
    <TD STYLE="text-indent: 0pt">Warranty as to Receipts</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">10</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">Article IV<BR>
THE DEPOSITED SECURITIES&#894; NOTICES</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 12pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 72pt; text-indent: 0pt">Section 4.1</TD>
    <TD STYLE="text-indent: 0pt">Cash Distributions</TD>
    <TD STYLE="width: 6%; text-align: right; text-indent: 0pt">10</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 4.2</TD>
    <TD STYLE="text-indent: 0pt">Distributions Other than Cash, Rights, Preferences or Privileges</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">11</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 4.3</TD>
    <TD STYLE="text-indent: 0pt">Subscription Rights, Preferences or Privileges</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">11</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 4.4</TD>
    <TD STYLE="text-indent: 0pt">Notice of Dividends, etc.; Fixing Record Date for Holders of Receipts</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">12</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 4.5</TD>
    <TD STYLE="text-indent: 0pt">Voting Rights</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">13</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 4.6</TD>
    <TD STYLE="text-indent: 0pt">Changes Affecting Deposited Securities and Reclassifications, Recapitalizations, etc.</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">13</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 4.7</TD>
    <TD STYLE="text-indent: 0pt">Delivery of Reports</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">14</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 4.8</TD>
    <TD STYLE="text-indent: 0pt">Lists of Receipt Holders</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">14</TD></TR>
</TABLE>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">Article V<BR>
THE DEPOSITORY, THE DEPOSITORY&rsquo;S AGENTS, THE REGISTRAR AND THE CORPORATION</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 12pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 72pt; text-indent: 0pt">Section 5.1</TD>
    <TD STYLE="text-indent: 0pt">Maintenance of Offices, Agencies and Transfer Books by the Depository; Registrar; Depository&rsquo;s Agents</TD>
    <TD STYLE="width: 6%; text-align: right; text-indent: 0pt">14</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 5.2</TD>
    <TD STYLE="text-indent: 0pt">Prevention of or Delay in Performance by the Depository, the Depository&rsquo;s Agents, the Registrar or the Corporation</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">15</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 5.3</TD>
    <TD STYLE="text-indent: 0pt">Obligations of the Depository, the Depository&rsquo;s Agents, the Registrar and the Corporation</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">16</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 5.4</TD>
    <TD STYLE="text-indent: 0pt">Resignation and Removal of the Depository&#894; Appointment of Successor Depository</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">19</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 5.5</TD>
    <TD STYLE="text-indent: 0pt">Corporate Notices and Reports</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">20</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 5.6</TD>
    <TD STYLE="text-indent: 0pt">Indemnification by the Corporation</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">20</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 5.7</TD>
    <TD STYLE="text-indent: 0pt">Fees, Charges and Expenses</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">20</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 5.8</TD>
    <TD STYLE="text-indent: 0pt">Tax Compliance</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">21</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">Article VI<BR>
AMENDMENT AND TERMINATION</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 12pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 72pt; text-indent: 0pt">Section 6.1</TD>
    <TD STYLE="text-indent: 0pt">Amendment</TD>
    <TD STYLE="width: 6%; text-align: right; text-indent: 0pt">21</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 6.2</TD>
    <TD STYLE="text-indent: 0pt">Termination</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">22</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">Article VII<BR>
MISCELLANEOUS</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 12pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 72pt; text-indent: 0pt">Section 7.1</TD>
    <TD STYLE="text-indent: 0pt">Counterparts</TD>
    <TD STYLE="width: 6%; text-align: right; text-indent: 0pt">22</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 7.2</TD>
    <TD STYLE="text-indent: 0pt">Exclusive Benefit of Parties</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">22</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 7.3</TD>
    <TD STYLE="text-indent: 0pt">Invalidity of Provisions</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">23</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 7.4</TD>
    <TD STYLE="text-indent: 0pt">Notices</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">23</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 7.5</TD>
    <TD STYLE="text-indent: 0pt">Appointment of Registrar and Transfer Agent, Dividend Disbursing Agent and Redemption Agent</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">24</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 7.6</TD>
    <TD STYLE="text-indent: 0pt">Holders of Receipts Are Parties</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">24</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 7.7</TD>
    <TD STYLE="text-indent: 0pt">Governing Law</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">24</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 7.8</TD>
    <TD STYLE="text-indent: 0pt">Headings</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">25</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 7.9</TD>
    <TD STYLE="text-indent: 0pt">Force Majeure</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">25</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 7.10</TD>
    <TD STYLE="text-indent: 0pt">Confidentiality</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">25</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">EXHIBIT A</TD>
    <TD STYLE="text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">A-1</TD></TR>
</TABLE>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>THIS DEPOSIT AGREEMENT</B>, dated as
of July 1, 2020 (this &ldquo;Agreement&rdquo;), is entered into among (i) FIRST HORIZON NATIONAL CORPORATION, a Tennessee
corporation and its successors (the &ldquo;Corporation&rdquo;), (ii) EQUINITI TRUST COMPANY, a limited trust company
organized under the laws of the State of New York (the &ldquo;Depository&rdquo;) and (iii) the Holders (as defined herein)
from time to time of the Receipts (as defined herein) described in this Agreement.</P>

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

<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">RECITALS</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-indent: 36pt"><B>WHEREAS</B>, the parties desire to provide,
as set forth in this Agreement, for the deposit of shares of the Corporation&rsquo;s 6.600% Fixed-to-Floating Non-Cumulative Perpetual
Preferred Stock, Series C, no par value, from time to time with the Depository for the purposes set forth in this Agreement and
for the issuance hereunder of Receipts evidencing Depositary Shares (as defined herein) in respect of the Stock (as defined herein)
so deposited<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">; </FONT>and</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"><B>WHEREAS</B>, the Receipts are to be substantially
in the form of <U>Exhibit A</U> annexed hereto, with appropriate insertions, modifications and omissions, as hereinafter provided
in this Agreement<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">;</FONT></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"><B>NOW, THEREFORE</B>, in consideration of
the foregoing premises, the parties hereto agree as follows:</P>

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

<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0pt">Article
I<BR>
Defined Terms</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 1.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Definitions</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">The following definitions shall for all purposes,
unless otherwise indicated, apply to the respective terms used in this Agreement:</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">&ldquo;Agreement&rdquo; shall mean this Agreement, as amended,
supplemented or otherwise modified from time to time in accordance with the terms hereof.</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">&ldquo;Articles&rdquo; shall mean the Articles of Amendment
filed with the Secretary of State of the State of Tennessee establishing the Stock as a series of preferred stock of the Corporation.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&ldquo;Corporation&rdquo; shall have the meaning set forth in
the Preamble of this 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">&ldquo;Depository&rdquo; shall mean Equiniti Trust Company and
any successor as depository hereunder.</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">&ldquo;Depositary Shares&rdquo; shall mean the depositary shares,
each representing 1/400<FONT STYLE="font-size: 6.5pt">th </FONT>of a share of the Stock and evidenced by a Receipt.</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">&ldquo;Depository&rsquo;s Agent&rdquo; shall mean an agent appointed
by the Depository pursuant to <U>Section 5.1</U> hereof.</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">&ldquo;Depository&rsquo;s Office&rdquo; shall mean the designated
office of the Depository, at which at any particular time its depositary receipt business shall be administered.</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%"><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">&ldquo;Receipt&rdquo; shall mean one of the depositary receipts
issued hereunder, substantially in the form set forth as <U>Exhibit A</U> hereto, whether in definitive or temporary form, and
evidencing the number of Depositary Shares held of record by the Record Holder of those Depositary Shares and shall include the
DTC Receipt, as defined in <U>Section 2.2</U> hereof, where appropriate.</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">&ldquo;Record Holder&rdquo; or &ldquo;Holder&rdquo; as applied
to a Receipt shall mean the person in whose name that Receipt is registered on the books of the Depository maintained for such
purpose.</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">&ldquo;Registrar&rdquo; shall mean the Depository or such other
successor bank or trust company which shall be appointed by the Corporation to register ownership and transfers of Receipts as
herein provided, and, if a successor Registrar shall be so appointed, references herein to &ldquo;the books&rdquo; of or maintained
by the Registrar shall be deemed, as applicable, to refer as well to the register maintained by such successor Registrar for such
purpose.</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">&ldquo;Securities Act&rdquo; shall mean the Securities Act of
1933, as amended.</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">&ldquo;Stock&rdquo; shall mean the shares of the Corporation&rsquo;s
6.600% Fixed-to-Floating Non-Cumulative Perpetual Preferred Stock, Series C, no par value, with a liquidation preference of $10,000
per share, designated in the Articles.</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">&ldquo;Transfer Agent&rdquo; shall mean the Depository or such
other successor bank or trust company which shall be appointed by the Corporation to transfer the Receipts and the deposited Stock.</P>

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

<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0pt">Article
II<BR>
APPOINTMENT OF DEPOSITORY<FONT STYLE="font-size: 12pt">; </FONT>BOOK-ENTRY SYSTEM<FONT STYLE="font-size: 12pt">; </FONT>FORM
OF RECEIPTS<FONT STYLE="font-size: 12pt">; </FONT>DEPOSIT OF STOCK<FONT STYLE="font-size: 12pt">; </FONT>EXECUTION AND DELIVERY<FONT STYLE="font-size: 12pt">;
</FONT>TRANSFER, SURRENDER AND REDEMPTION OF RECEIPTS</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 2.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Appointment of Depository</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">The Corporation hereby appoints Depository
as depository for the Stock, and Depository hereby accepts such appointment and agrees to perform the same in accordance with the
express terms and conditions set forth in this Agreement.</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 2.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Book-Entry System&#894; Form and Transfer of Receipts</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">The Corporation and the Depository shall
make application to The Depository Trust Company (&ldquo;DTC&rdquo;) for acceptance of all of the Receipts for its book-entry settlement
system. The Corporation hereby appoints the Depository acting through any authorized officer thereof as its attorney-in-fact, with
full power to delegate, for purposes of executing any agreements, certifications or other instruments or documents necessary or
desirable in order to effect the acceptance of such Receipts for DTC eligibility. So long as the Receipts are eligible for book-entry
settlement with DTC, unless otherwise required by law, the Corporation&rsquo;s Articles of Incorporation (as amended and including
the Articles) or its By-laws (as amended), all Depositary Shares with book-entry settlement through DTC shall be represented by
one or more receipts (the &ldquo;DTC Receipt&rdquo;), which shall be deposited with DTC (or its designee) evidencing all such Depositary
Shares and registered in the name of the nominee of DTC (initially expected to be Cede&nbsp;&amp; Co.). The Depository or such other
entity as is agreed to by DTC may hold the DTC</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">Receipt as custodian for DTC. Ownership of
beneficial interests in the DTC Receipt shall be shown on, and the transfer of such ownership shall be effected through, records
maintained by (i) DTC or its nominee for such DTC Receipt or (ii) institutions that have accounts with DTC. The DTC Receipt shall
bear such legend or legends as may be required by DTC in order for it to accept the Depositary Shares for its book-entry settlement
system.</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: 36pt">If DTC subsequently ceases to make its book-entry
settlement system available for the Receipts, the Corporation may instruct the Depository regarding making other arrangements for
book-entry settlement. If the Receipts are not eligible for book-entry form, except as required by law, the Corporation&rsquo;s
Restated Charter (as amended and including the Articles) or its By-laws (as amended), the Depository shall provide written instructions
to DTC to deliver the DTC Receipt to the Depository for cancellation and the Corporation shall instruct the Depository to deliver
to the beneficial owners of the Depositary Shares previously evidenced by the DTC Receipt definitive Receipts in physical form
evidencing such Depositary Shares.</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">Except as required by law, the Corporation&rsquo;s
Restated Charter (as amended and including the Articles) or its By-laws (as amended), beneficial owners of Depositary Shares through
DTC will not be entitled to receive Receipts in physical, certificated form or have Depositary Shares registered in their name,
except as described below.</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">The DTC Receipt shall be exchangeable for
definitive Receipts only if required by law, the Corporation&rsquo;s Restated Charter (as amended and including the Articles) or
its By-laws (as amended), or if (i) DTC notifies the Corporation at any time that it is unwilling or unable to continue to make
its book-entry settlement available for the Receipts and a successor to DTC is not appointed by the Corporation within 90 days
of the date the Corporation is so informed in writing, (ii) DTC notifies the Corporation at any time that it has ceased to be a
clearing agency registered under applicable law and a successor to DTC is not appointed within 90 days of the date the Corporation
is so informed in writing, or (iii) the Corporation in its sole discretion notifies the Depository in writing that the DTC Receipt
shall be exchangeable for definitive Receipts. If beneficial owners of interests in Depositary Shares are entitled to exchange
such interests for definitive Receipts as the result of an event described in clause (i), (ii) or (iii) of the preceding sentence
(or if required by law, the Corporation&rsquo;s Restated Charter (as amended and including the Articles) or its By-laws (as amended)),
then without unnecessary delay but in any event not later than the earliest date on which such beneficial interests may be so exchanged,
upon receipt by the Depository of the DTC Receipt for cancellation and any other necessary documentation, the Depository is hereby
directed to and shall execute and deliver to the beneficial owners of the Depositary Shares previously evidenced by the DTC Receipt
definitive Receipts in physical form evidencing such Depositary Shares and to make appropriate entries in the register with respect
thereto. Notwithstanding any other provision herein to the contrary delivery of Shares and other property in connection with the
withdrawal or redemption of Depositary Shares evidenced by a DTC Receipt will be made through DTC and in accordance with its procedures,
unless the holder of the relevant DTC Receipt otherwise requests and such request is reasonably acceptable to the Depository and
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">Receipts shall be in denominations of any
number of whole Depositary Shares. The Corporation shall deliver to the Depository from time to time such quantities of Receipts
as the</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">Depository may request to enable the Depository
to perform its obligations under this Agreement.</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: 36pt">The DTC Receipt and definitive Receipts,
if any, shall be substantially in the form set forth in <U>Exhibit A</U> of this Agreement and incorporated herein by reference,
with appropriate insertions, modifications and omissions, as hereinafter provided and shall be engraved or otherwise prepared so
as to comply with applicable rules of any securities exchange on which the Depositary Shares are then listed. In the case of any
of the events described above resulting in the issuance of definitive Receipts in exchange for the DTC Receipt, the Depository,
pending preparation of definitive Receipts and upon the written order of the Corporation, delivered in compliance with <U>Section
2.3</U> hereof, shall execute and deliver temporary Receipts which may be 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 Corporation and the Depository will cause definitive Receipts to be prepared without
unreasonable delay. After the preparation of definitive Receipts, the temporary Receipts shall be exchangeable by the Holder for
definitive Receipts upon surrender of the temporary Receipts at an office described in the first paragraph of <U>Section 2.3</U>
hereof, without charge to the Holder. Upon surrender for cancellation of any one or more temporary Receipts, the Depository 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 Corporation&rsquo;s expense and without any charge
therefor to the Holder or the Depository. Until so exchanged, the temporary Receipts shall in all respects be entitled to the same
benefits under this Agreement as definitive Receipts.</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">Receipts shall be executed by the Depository
by the manual, facsimile or electronic signature of a duly authorized officer of the Depository<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">;
</FONT>provided that, if a Registrar for the Receipts (other than the Depository) shall have been appointed, such Receipts shall
also be countersigned by manual, facsimile or electronic signature of a duly authorized officer of such Registrar. No Receipt shall
be entitled to any benefits under this Agreement or be valid or obligatory for any purpose unless it shall have been executed as
described in the preceding sentence. The Registrar shall record on its books each Receipt so signed and delivered as hereinafter
provided. Receipts bearing the manual, facsimile or electronic signature of a duly authorized signatory of the Depository who was
at any time a proper and duly authorized signatory of the Depository shall bind the Depository, notwithstanding that such signatory
ceased to hold such office prior to the delivery of such Receipts or did not hold such office on the date of issuance of such receipts.</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">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 Agreement all as may be reasonably
required by the Corporation 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 Receipts are subject.</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Title to Depositary Shares evidenced by a
Receipt which is properly endorsed, or accompanied by a duly executed instrument of transfer, shall be transferable by delivery
with the same effect as in the case of a negotiable instrument<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">;
</FONT>provided, however, that until transfer of any particular Receipt shall be registered on the books of the Registrar as provided
in <U>Section 2.4</U> hereof, the Depository 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 payments, to exercise any redemption or voting rights or to receive any notice provided for in this Agreement
and for all other purposes.</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 2.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Deposit of Stock<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">; </FONT>Execution and Delivery
of Receipts</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">Subject to the terms and conditions of this
Agreement, the Corporation may from time to time deposit shares of Stock under this Agreement by delivery to the Depository, including
via electronic book-entry, for such shares of Stock to be deposited (or in such other manner as may be agreed to by the Corporation
and the Depository), properly endorsed or accompanied, if required by the Depository, by a duly executed instrument of transfer
or endorsement, in form satisfactory to the Depository, together with (i) all such certifications as may be required by the Depository
in accordance with the provisions of this Agreement, including the resolutions of the Board of Directors of the Corporation or
a committee of the Board of Directors, as certified by the Secretary or any Assistant Secretary of the Corporation on the date
thereof as being complete, accurate and in effect, relating to issuance and sale of the Stock, (ii) an opinion of counsel to the
Corporation addressed to the Depository containing opinions, or a letter of counsel to the Corporation authorizing reliance on
such counsel&rsquo;s opinions delivered to the underwriters named therein, relating to (A) the existence and good standing of the
Corporation, (B) the due authorization of the Depositary Shares and the status of the Depositary Shares as validly issued, fully
paid and non-assessable, and (C) the effectiveness of any registration statement under the Securities Act relating to the Depositary
Shares or whether exemption from such registration is applicable, and (iii) a written order of the Corporation, directing the Depository
to execute and deliver to, or upon the written order of, the person or persons stated in such order a Receipt or Receipts for the
number of Depositary Shares representing such deposited Stock. Shares of deposited Stock shall be held by the Depository in an
account to be established by the Depository at the Depository&rsquo;s Office, or at such other place or places as the Depository
shall determine. As Registrar and Transfer Agent for the deposited Stock, the Depository will reflect changes in the number of
shares of deposited Stock held by it by notation, book-entry or other appropriate method.</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">Upon receipt by the Depository of shares
of Stock deposited in accordance with the provisions of this <U>Section 2.3</U> hereof, together with the other documents required
as above specified, and upon registering the Stock on the books of the Corporation (or its duly appointed Transfer Agent) in the
name of the Depository or its nominee, the Depository, subject to the terms and conditions of this Agreement, shall execute and
deliver to, or upon the order of, the person or persons named in the written order delivered to the Depository referred to in the
first paragraph of this <U>Section 2.3</U>, 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 Depository shall
execute and deliver such Receipt or Receipts at the Depository&rsquo;s Office or such other offices, if any, as the Depository</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">may designate. Delivery at other offices shall
be at the risk and expense of the person requesting such delivery.</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: 36pt"><FONT STYLE="color: #010000">Section 2.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Registration of Transfer of Receipts</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">Subject to the terms and conditions of this
Agreement, the Depositary, as Registrar and Transfer Agent for the Receipts, shall register on its books from time to time transfers
of Receipts upon any surrender thereof by the Holder in person or by a duly authorized attorney, properly endorsed or accompanied
by a duly executed instrument of transfer, including a guarantee of the signature thereon from an eligible guarantor institution
participating in a signature guarantee program pursuant to Rule 17Ad-15 under the Securities Exchange Act of 1934, as amended (the
&ldquo;Signature Guarantee&rdquo;), and any other evidence of authority as may be reasonably required by the Depository (or successor
Registrar or Transfer Agent). Thereupon, the Depository 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: 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 2.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Split-ups and Combinations of Receipts<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">; </FONT>Surrender
of Receipts and Withdrawal of Stock</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">Upon surrender of a Receipt or Receipts at
the Depository&rsquo;s Office or at such other offices as the Depository 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 Agreement, the Depository 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: 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">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 Depositary Shares represented by the Receipts at the Depository&rsquo;s Office or at such other offices as the Depository may
designate for such withdrawals<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">; </FONT>provided, that a holder
of a Receipt or Receipts may not withdraw such Stock (or money, if any, represented thereby) which has previously been called for
redemption. If such holder&rsquo;s Depositary Shares are being held by DTC or its nominee, DTC shall be deemed the holder hereunder
for all purposes. It shall be the duty of the DTC participant or the beneficial owner to request DTC to withdraw from the book-entry
system the number of Depositary Shares specified above. Upon such surrender, upon payment of the fee of the Depositary for the
surrender of Receipts to the extent provided in <U>Section 5.7</U> and payment of all taxes and governmental charges in connection
with such surrender and withdrawal of Stock, and subject to the terms and conditions of this Agreement, the Depository 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, or Depositary Shares represented by such 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
Depository in connection with such withdrawal shall evidence a number of Depositary Shares in excess of the number of</P>

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    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">Depositary Shares representing the number
of whole shares of Stock to be withdrawn, the Depository 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 <U>Section 2.4</U> hereof
upon his order, a new Receipt evidencing such excess number of Depositary Shares&#894; provided, however, that the Depository shall
not issue any Receipt evidencing a fractional Depositary Share.</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: 36pt">Delivery of the Stock and money being withdrawn
may be made by the delivery of such certificates, documents of title and other instruments as the Depository may deem appropriate
(or in such other manner as may be agreed to by the Corporation and the Depository), which, if required by the Depository, shall
be properly endorsed or accompanied by proper instruments of transfer including, but not limited to, a Signature Guarantee.</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">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 related Receipt or Receipts
being surrendered for withdrawal of such Stock, such Holder shall execute and deliver to the Depository a written order so directing
the Depository, and the Depository 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 duly executed instrument of transfer in blank.</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">Delivery of the Stock and the money and other
property, if any, represented by Receipts surrendered for withdrawal shall be made by the Depository at the Depository&rsquo;s
Office, except that, at the written request, sole risk and expense of the Holder surrendering such Receipt or Receipts and for
the account of the Holder thereof, such delivery may be made at such other place as may be designated by such Holder.</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 2.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Limitations on Execution and Delivery, Transfer, Surrender and Exchange of Receipts</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">As a condition precedent to the execution
and delivery, registration of transfer, split-up, combination, surrender or exchange of any Receipt, the Depository, any of the
Depository&rsquo;s Agents or the Corporation may require payment to it of a sum sufficient for the payment (or, in the event that
the Depository or the Corporation shall have made such payment, the reimbursement to it) of any charges or expenses payable by
the Holder of a Receipt pursuant to <U>Sections 3.2</U> and <U>5.7</U> hereof, may require the production of evidence satisfactory
to it as to the identity and genuineness of any signature, including a signature guarantee, and may also require compliance with
such regulations, if any, as the Depository or the Corporation may establish consistent with the provisions of this Agreement and
applicable law and as may be required by any securities exchange on which the Stock, the Depositary Shares or the Receipts may
be listed.</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">The deposit of the 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) during any period when the register of shareholders
of the Corporation is closed or (ii) if any such action is deemed necessary or advisable by the Depository, any of the Depository&rsquo;s
Agents or the Corporation 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 Agreement.</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 2.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Lost Receipts, etc.</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">If any Receipt is lost, stolen, mutilated
or destroyed, absent notice to the Corporation or the Depository that such certificates have been acquired by a protected purchaser,
the Corporation may, upon receipt by the Depository of an open penalty surety bond satisfactory to it and holding it and the Corporation
harmless, cause to be issued, in a form mutually agreed to by the Depository and the Corporation, a new Receipt of like denomination,
tenor and date as the Receipt so lost, stolen, mutilated or destroyed, and countersigned by the Depository. Any such new Receipt
shall constitute a substitute contractual obligation of the Corporation, whether or not the allegedly lost, stolen, mutilated or
destroyed Receipt shall be at any time enforceable by anyone. The Depository may, at its option, countersign replacement Receipts
for mutilated certificates upon presentation thereof without such indemnity.</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 2.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Cancellation and Destruction of Surrendered Receipts</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">All Receipts surrendered to the Depository
or any Depository&rsquo;s Agent shall be cancelled by the Depository. Except as prohibited by applicable law or regulation, the
Depository is authorized and directed to destroy all Receipts so cancelled.</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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Redemption of Stock</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">Whenever the Corporation shall be permitted
and shall elect to redeem shares of Stock in accordance with the terms of the Articles, it shall (unless otherwise agreed to in
writing with the Depository) give or cause to be given to the Depository, not less than 30 days and not more than 60 days prior
to the Redemption Date (as defined below), written notice of the date of such proposed redemption of Stock and of the number of
such shares held by the Depository to be so redeemed and the applicable redemption price, which notice shall be accompanied by
a certificate from the Corporation stating that such redemption of Stock is in accordance with the provisions of the Articles.
On the Redemption Date, provided that the Corporation shall then have paid or caused to be paid in full to the Depository the redemption
price of the Stock to be redeemed in accordance with the provisions of the Articles, the Depository shall redeem the number of
Depositary Shares representing such Stock. The Depository shall provide notice of the Corporation&rsquo;s redemption of Stock and
the proposed simultaneous redemption of the number of Depositary Shares representing the Stock to be redeemed by reasonably acceptable
transmission method, as determined by the Depository, not less than 30 days and not more than 60 days prior to the date fixed for
redemption of such Stock and Depositary Shares (the &ldquo;Redemption Date&rdquo;), to the Record Holders of the Receipts evidencing
the Depositary Shares to be so redeemed at their respective last addresses as they appear on the records of the Depository<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">;
</FONT>but neither failure to provide any notice of redemption of Depositary Shares to one or more Holders nor any defect in any
notice of redemption of Depositary Shares to one or more Holders shall affect the sufficiency of the proceedings for redemption
as to the other Holders. Each notice shall be prepared by the Corporation and shall state: (i) the Redemption Date<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">;
</FONT>(ii) the redemption price<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">; </FONT>(iii) if fewer than
all Depositary Shares are to be redeemed, the number of Depositary Shares to be redeemed<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">;
</FONT>and (iv) the manner in which holders of the Depositary Shares called for redemption may obtain payment of the redemption
price in respect to those Depositary Shares. In case less than all the outstanding Depositary Shares are to be redeemed, the Depositary
Shares to be so redeemed shall be selected in accordance with the Articles.</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Notice having been provided by the Depository
as aforesaid, from and after the Redemption Date (unless the Corporation shall have failed to provide the funds necessary to redeem
the Stock evidenced by the Depositary Shares called for redemption) (i) dividends on the shares of Stock so called for Redemption
shall cease to accumulate from and after such date, (ii) the Depositary Shares being redeemed from such proceeds shall be deemed
no longer to be outstanding, (iii) 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) upon surrender in accordance
with such redemption notice of the Receipts evidencing any such Depositary Shares called for redemption (properly endorsed or assigned
for transfer, if the Depository or applicable law shall so require), such Depositary Shares shall be redeemed by the Depositary
at a redemption price per Depositary Share equal to 1/400<FONT STYLE="font-size: 6.5pt">th </FONT>of the redemption price per share
of Stock so redeemed plus all money represented by such Depositary Shares, including, if required by the provisions of the Articles,
all amounts paid by the Corporation in respect of dividends which on the Redemption Date have been declared on the shares of Stock
to be so redeemed and have not theretofore been paid.</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">If fewer than all of the Depositary Shares
evidenced by a Receipt are called for redemption, the Depository will deliver to the Holder of such Receipt upon its surrender
to the Depository, together with payment of the redemption price for any and all other amounts payable in respect of the Depositary
Shares called for redemption, a new Receipt evidencing the Depositary Shares evidenced by such prior Receipt and not called for
redemption<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">; </FONT>provided, however, that the Depository shall
not issue any Receipt evidencing a fractional Depositary Share and cash will be payable in respect of fractional interests.</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">The Corporation shall be entitled to receive,
from time to time, from the Depositary any interest accrued on such funds deposited with the Depository, 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 Depository to the Corporation.</P>

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

<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0pt">Article
III<BR>
CERTAIN OBLIGATIONS OF HOLDERS OF RECEIPTS AND THE CORPORATION</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 3.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Filing Proofs&#894; Certificates and Other Information</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">Any Holder of a Receipt may be required from
time to time to file proof of residence, or other matters or other information, to execute certificates and to make such representations
and warranties as the Depository or the Corporation may reasonably deem necessary or proper. The Depository or the Corporation
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 and evidenced by a 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: 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 3.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Payment of Taxes or Other Governmental Charges</U>.</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Holders of Receipts shall be obligated to
make payments to the Depository of certain charges and expenses, as provided in <U>Section 5.7</U> hereof. 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, interest payments or other distributions
may be withheld or any part of or all the Stock or other property, if any, represented by the Depositary Shares evidenced by such
Receipt and not 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, interest payments or other distributions 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: 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 3.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Warranty as to Stock</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">The Corporation 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 the related Receipts.</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 3.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Warranty as to Receipts</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">The Corporation hereby represents and warrants
that the Receipts, when issued, will represent legal and valid interests in the Depositary Shares, and each Depositary Share will
represent one 1/400<FONT STYLE="font-size: 6.5pt">th </FONT>interest in a share of deposited Stock. Such representation and warranty
shall survive the deposit of the Stock and the issuance of the Receipts.</P>

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

<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0pt">Article
IV<BR>
THE DEPOSITED SECURITIES; NOTICES</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 4.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Cash Distributions</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">Whenever the Depositary, as distribution
agent, shall receive any cash dividend or other cash distribution on the Stock, the Depository shall, subject to <U>Sections 3.1</U>
and <U>3.2</U> hereof, distribute to Record Holders of Receipts on the record date fixed pursuant to <U>Section 4.4</U> hereof
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<FONT STYLE="font-family: Garamond, Times, Serif; font-size: 12pt">; </FONT>provided,
however, that in case the Corporation or the Depository 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, or as otherwise required by law, regulation or
court process, the amount made available for distribution or distributed in respect of Depositary Shares shall be reduced accordingly.
In the event that the calculation of any such cash dividend or other cash distribution to be paid to any Record Holder on the aggregate
number of Depositary Shares held by such Record Holder results in an amount that is a fraction of a cent and that fraction of a
cent is equal to or greater than $0.005, the amount the Depository shall distribute to such Record Holder shall be rounded up to
the next highest whole cent<FONT STYLE="font-family: Garamond, Times, Serif; font-size: 12pt">; </FONT>otherwise, such fractional
amount shall be disregarded by the Depository and shall be added to and be treated as part of the next succeeding distribution.</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Each Holder of a Receipt shall provide the
Depository 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 Depository of a portion of any of the distributions to be made hereunder.</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 4.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Distributions Other than Cash, Rights, Preferences or Privileges</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">Whenever the Depository shall receive any
distribution other than cash, rights, preferences or privileges upon the Stock, the Depository shall, subject to <U>Sections 3.1</U>
and <U>3.2</U> hereof, distribute to Record Holders of Receipts on the record date fixed pursuant to <U>Section 4.4</U> hereof
such amounts of the securities or property received by it as are, as nearly as practicable, in proportion to the respective numbers
of Depositary Shares evidenced by such Receipts held by such Holders, in any manner that the Depository may deem equitable and
practicable for accomplishing such distribution. If in the opinion of the Depository such distribution cannot be made proportionately
among such Record Holders, or if for any other reason (including any requirement that the Corporation or the Depository withhold
an amount on account of taxes or governmental charges) the Depository deems, after consultation with the Corporation, such distribution
not to be feasible, the Depository may, with the approval of the Corporation, 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 <U>Sections
3.1</U> and <U>3.2</U> hereof, be distributed or made available for distribution, as the case may be, by the Depository to Record
Holders of Receipts as provided by <U>Section 4.1</U> hereof in the case of a distribution received in cash. The Corporation shall
not make any distribution of securities to the Depository, and the Depository shall not make any distribution of such securities
or property to the Holders of Receipts, unless the Corporation 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 distributions.</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 4.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Subscription Rights, Preferences or Privileges</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">If the Corporation shall at any time offer
or cause to be offered to the persons in whose names the deposited Stock is recorded on the books of the Corporation 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 communicated to the Depository and thereafter made
available by the Depository to the Record Holders of Receipts in such manner as the Depository (in consultation with the Corporation)
may determine, either by the issue to such Record Holders of warrants representing such rights, preferences or privileges or by
such other method as may be approved by the Depository in its discretion with the approval of the Corporation<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">;
</FONT>provided, however, that (i) if at the time of issue or offer of any such rights, preferences or privileges the Depository
or the Corporation determines that it is not lawful or (after consultation with the Corporation) not feasible to make such rights,
preferences or privileges available to Holders of Receipts by the issue of warrants or otherwise, or (ii) if and to the extent
so instructed by Holders of Receipts who do not desire to exercise such rights, preferences or privileges, then the Depository,
in its discretion (with</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">approval of the Corporation, in any case where
the Depository 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 <U>Sections 3.</U>1 and <U>3.2</U> hereof, be distributed by the Depository to the Record Holders of Receipts
entitled thereto as provided by <U>Section 4.1</U> hereof in the case of a distribution received in cash.</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: 36pt">The Corporation shall promptly notify the
Depository 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 the Corporation agrees with the Depository that it will file promptly a registration statement pursuant to the Securities
Act with respect to such rights, preferences or privileges and securities and use its best efforts and take all steps available
to it to cause such registration statement to become 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 Depository 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 statement shall have become effective, or the Corporation shall have provided to the Depository an opinion
of counsel (which may be in-house counsel) to the effect that the offering and sale of such securities to the Holders are exempt
from registration under the provisions of the Securities Act.</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">The Corporation shall promptly notify the
Depository whether any other action under the laws of any jurisdiction or any governmental or administrative authorization, consent
or permit is required in order for such rights, preferences or privileges to be made available to Holders of Receipts, and the
Corporation agrees with the Depository that the Corporation will use its reasonable best efforts to take such action or obtain
such authorization, consent or permit 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: 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 4.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Notice of Dividends, etc.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">; </FONT>Fixing Record Date
for Holders of Receipts</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">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 the Stock, or whenever the Depository shall receive notice of (A) any meeting at which
holders of the Stock are entitled to vote or of which holders of the Stock are entitled to notice or (B) any election on the part
of the Corporation to redeem any such Stock, or whenever the Depository and the Corporation shall decide it is appropriate, the
Depository shall in each such instance fix a record date (which shall be the same date as the record date fixed by the Corporation
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 whose Depositary Shares are to be so redeemed or for any other appropriate reasons.</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 4.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</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">Subject to the provisions of the Articles,
upon receipt of notice of any meeting at which the holders of the Stock are entitled to vote, the Depository shall, as soon as
practicable thereafter, provide to the Record Holders of Receipts, determined on the record date as set forth in <U>Section 4.4</U>
hereof, a notice prepared by the Corporation which shall contain (i) such information as is contained in such notice of meeting
and (ii) a statement that the Holders may, subject to any applicable restrictions, instruct the Depository 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 Depository to give a discretionary proxy to a person designated by the Corporation) 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 Depository 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 Corporation hereby agrees to take all reasonable
action which may be deemed necessary by the Depository in order to enable the Depository to vote such Stock or cause such Stock
to be voted. In the absence of specific instructions from Holders of Receipts, the Depository will not vote (but at its discretion,
may appear at any meeting with respect to such Stock unless directed otherwise by the Holders of all the Receipts) to the extent
of the Stock represented by the Depositary Shares evidenced by the Receipts of such Holders.</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 4.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Changes Affecting Deposited Securities and Reclassifications, Recapitalizations, etc.</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">Upon any change in par or stated value, split-up,
combination or any other reclassification of the Stock, subject to the provisions of the Articles, or upon any recapitalization,
reorganization, merger or consolidation affecting the Corporation or to which it is a party, the Depository may in its discretion
with the approval of, and shall upon the instructions of, the Corporation, and (in either case) in such manner as the Depository
may deem equitable, (i) make such adjustments as are certified by the Corporation in the fraction of an interest represented by
one Depositary Share in one share of Stock and in the ratio of the redemption price per Depositary Share to the redemption price
per share of Stock, in each case as may be necessary fully to reflect the effects of such change in par or stated value, split-up,
combination or other reclassification of the Stock, or of such recapitalization, reorganization, merger or consolidation and (ii)
treat any securities which shall be received by the Depository 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 Corporation
may in its discretion direct the Depository to 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 or consolidation
to surrender such Receipts to the Depository 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</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">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. The Corporation shall cause reflective provisions to be included in the charter
or equivalent organizational document of the resulting or surviving entity (if other than the Corporation) for the protection of
such rights as may be applicable upon the exchange of the deposited Stock for securities or property or cash of the resulting or
surviving entity in connection with the transactions set forth above. The Corporation shall cause any such surviving entity (if
other than the Corporation) to expressly assume the obligations of the Corporation hereunder or to enter into a deposit agreement
in form and substance providing for substantially the same rights and protection for the Holders.</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: 36pt"><FONT STYLE="color: #010000">Section 4.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Delivery of Reports</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">The Depository shall furnish to Holders of
Receipts any reports and communications received from the Corporation which are received by the Depository, as the holder of the
Stock, and which the Corporation is required to furnish to the holders of the 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 4.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Lists of Receipt Holders</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">Reasonably promptly upon request from time
to time by the Corporation, at the sole expense of the Corporation, the Depository shall furnish to it a list, as of the most recent
practicable date, of the names, addresses and holdings of Depositary Shares of all registered Holders of Receipts.</P>

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

<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0pt">Article
V<BR>
THE DEPOSITORY, THE DEPOSITORY&rsquo;S AGENTS, THE REGISTRAR AND THE CORPORATION</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 5.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Maintenance of Offices, Agencies and Transfer Books by the Depository<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">;
</FONT>Registrar<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">; </FONT>Depository&rsquo;s Agents</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">Upon execution of this Agreement, the Depository
shall maintain at the Depository&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 Depository&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 Agreement<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">;
</FONT>provided that, to the extent provisions of this Agreement regarding transfer or registration functions performed by the
Depository conflict with the terms of any transfer agency agreement between the Corporation and the Depository, the terms of such
transfer agency agreement shall control.</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">The Registrar shall keep books at the Depository&rsquo;s
Office for the registration and transfer of Receipts. Upon direction by the Corporation and with reasonable notice to the Registrar,
the Depository shall open its books for inspection by the Record Holders of Receipts as directed by the Corporation<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">;
</FONT>provided that any Holder shall be granted such right by the Corporation only after certifying 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>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">The Registrar 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: 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">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 Depository will appoint a registrar (acceptable to the Corporation) for registration of the Receipts or Depositary Shares in
accordance with any requirements of such exchange. Such registrar (which may be the Trust Company if so permitted by the requirements
of any such exchange) may be removed and a substitute registrar appointed by the Depository upon the request or with the approval
of the Corporation. If the Receipts, Depositary Shares or Stock are listed on one or more other securities exchanges, the Registrar
will, at the request of the Corporation, arrange such facilities for the delivery, registration, registration of transfer, surrender
and exchange of the Receipts, Depositary Shares or Stock as may be required by law or applicable securities exchange regulation.</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">The Depository may from time to time appoint
Depository&rsquo;s Agents to act in any respect for the Depository for the purposes of this Agreement and may from time to time
appoint additional Depository&rsquo;s Agents and vary or terminate the appointment of such Depository&rsquo;s Agents, provided
that the Depository will notify the Corporation of any such appointment or variation or termination of such appointment.</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 5.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Prevention of or Delay in Performance by the Depository, the Depository&rsquo;s Agents, the Registrar or the Corporation</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">None of the Depository, any Depository&rsquo;s
Agent, any Registrar or the Corporation shall incur any liability to any Holder of a 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 Depository, the Depository&rsquo;s Agent or the Registrar, by reason of any provision, present or future, of the
Corporation&rsquo;s Restated Charter (as amended and including the Articles) or by reason of any act of God or war or other circumstance
beyond the control of the relevant party, the Depository, the Depository&rsquo;s Agent, the Registrar or the Corporation shall
be prevented, delayed or forbidden from, or subjected to any penalty on account of, doing or performing any act or thing which
the terms of this Agreement provide shall be done or performed. Nor shall the Depository, any Depository&rsquo;s Agent, any Registrar
or the Corporation incur liability to any Holder of a Receipt (i) by reason of any nonperformance or delay, caused as aforesaid,
in the performance of any act or thing which the terms of this Agreement shall provide shall or may be done or performed, or (ii)
by reason of any exercise of, or failure to exercise, any discretion provided for in this Agreement except, in case of any such
exercise or failure to exercise discretion not caused as aforesaid, if caused by the gross negligence, willful misconduct or bad
faith (each as determined by a final judgment of a court of competent jurisdiction) of the party charged with such exercise or
failure to exercise, or as otherwise explicitly set forth in this Agreement.</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 5.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Obligations of the Depository, the Depository&rsquo;s Agents, the Registrar and the Corporation</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">Whenever in the performance of its duties
under this Agreement the Depository shall deem it necessary or desirable that any fact or matter be proved or established by the
Corporation prior to taking or suffering any action hereunder, such fact or matter (unless other evidence in respect thereof be
herein specifically prescribed) may be deemed to be conclusively proved and established by a statement signed by the Chairman of
the Board, the President, Chief Executive Officer, the Senior Executive Vice President, Chief Financial Officer, or the Corporate
Secretary of the Corporation and delivered to the Depository. The Depository may rely upon, and be held harmless for such reliance,
upon such statement for any action taken or suffered by it pursuant to the provisions of this Agreement and shall not be held liable
in connection with any delay in receiving such statement.</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">The Depository, any Depository&rsquo;s Agent
and any Registrar shall not be obligated to expend or risk its own funds or to take any action that it believes would expose or
subject it to expense or liability or to a risk of incurring expense or liability, unless it has been furnished with assurances
of repayment or indemnity satisfactory to it.</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">The Depository shall not be accountable or
under any duty or responsibility for the use by the Corporation of any Receipts authenticated by the Depository and delivered by
it to the Corporation pursuant to this Agreement or for the application by the Corporation of the proceeds of the issue and sale,
or exercise, of the Receipts.</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">The Depository shall not have any duty or
responsibility in the case of the receipt of any written demand from any Holder with respect to any action or default by the Corporation,
including, without limiting the generality of the foregoing, any duty or responsibility to initiate or attempt to initiate any
proceedings at law or otherwise or to make any demand upon 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">None of the Depository, any Depository&rsquo;s
Agent, any Registrar or the Corporation shall be liable for any action or any failure to act by it in reliance upon the written
advice of legal counsel (including legal counsel for the Corporation) or accountants, or information from any person presenting
Stock for deposit, any Holder of a Receipt or any other person. Such advice shall be full and complete authorization, protection
to, and indemnification by the Corporation of, the Depository, the Depository&rsquo;s Agent, any Registrar and subcontractors as
to any action taken or omitted by it in accordance with such advice, believed (in the absence of gross negligence, willful misconduct
or bad faith, each as determined by a final judgment of a court of competent jurisdiction) by such parties to be genuine and to
have been signed or presented by the proper party or parties.</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">The Depository 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 inaction does not result from fraud, gross negligence, willful misconduct or bad faith (each as determined
by a final judgment of a court of competent jurisdiction). The Depository undertakes, and any Registrar shall be required to undertake,
to perform such duties and only such duties as are expressly set forth in this Agreement, and no implied covenants or obligations</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">shall be read into this Agreement against
the Depository or any Registrar. The Depository shall act hereunder solely as agent for the Corporation and shall not assume any
obligations or relationship of agency or trust with any of the Holders.</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: 36pt">The Depository may execute and exercise any
of the rights or powers hereby vested in it or perform any duty hereunder either itself or by or through its attorney or agents,
and the Depository shall not be answerable or accountable for any act, default, neglect or misconduct of any such attorney or agents
or for any loss to the Corporation resulting from any such act, default, neglect or misconduct, absent gross negligence, bad faith
or willful misconduct (each as determined by a final judgment of a court of competent jurisdiction) in the selection and continued
employment thereof.</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">From time to time, the Corporation may provide
the Depository with instructions concerning the services performed by the Depository hereunder. In addition, at any time the Depository
may apply to any officer of the Corporation for instructions. The Depository may rely on and shall be held harmless and protected
and shall incur no liability for or in respect of any action taken, suffered or omitted to be taken by it in reliance upon any
certificate, statement, instrument, opinion, notice, letter, facsimile transmission, telegram or other document, or any security
delivered to it, and believed by it to be genuine and to have been made or signed by the proper party or parties, or upon any written
or oral instructions or statements from the Corporation with respect to any matter relating to its acting as Depository hereunder.
The Depository shall not be held to have notice of any change of authority of any person, until receipt of written notice thereof
from 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">The Depository, its parent, affiliates or
subsidiaries, the Depository&rsquo;s Agents, the Registrar, and each of their equity holders, directors, officers or employees
may own, buy, sell and deal in any class of securities of the Corporation and its affiliates and in Receipts or Depositary Shares
or become pecuniarily interested in any transaction in which the Corporation or its affiliates may be interested or contract with
or lend money to any such person or otherwise act as fully or as freely as if it were not the Depository, the parent, affiliate
or subsidiary or the Depository&rsquo;s Agent or the Registrar hereunder. The Depository may also act as trustee, transfer agent
or registrar of any of the securities of the Corporation and its affiliates. Nothing herein shall preclude the Depository from
acting in any other capacity for the Corporation or for any other legal entity.</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">None of the Depository (or its officers,
directors, employees or agents), any Depository&rsquo;s Agent or the Registrar makes any representation or has any responsibility
as to the validity of the registration statement pursuant to which the Depositary Shares are registered under the Securities Act,
the Stock, the Depositary Shares or the Receipts (except for its counter-signatures thereon) or any instruments referred to therein
or herein, or as to the correctness of any statement made therein or herein and the Depository shall not be liable for or by reason
of any of the statements of fact or recitals contained in this Agreement or in the Receipts (except its countersignature hereof
and thereof) or be required to verify the same, and all such statements and recitals are and shall be deemed to have been made
by the Corporation only; provided that the Depositary is responsible for any and all of its representations in this Agreement.</P>
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    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">The Depository shall have no responsibility
for any breach by the Corporation of any covenant or condition contained in this Agreement or in any Receipt; nor shall it be responsible
to make any calculations or adjustments (or confirm or verify the accuracy or correctness of any such calculations or adjustments)
required under any provisions of the Receipts or this Agreement; nor shall it be responsible for the manner, method or amount of
any such calculations or adjustments or the ascertaining of the existence of facts that would require any such calculations or
adjustments; nor shall it by any act hereunder be deemed to make any representation or warranty as to the authorization or reservation
of any shares of Stock to be issued pursuant to this Agreement or any Receipt or as to whether any shares of Stock will when issued
be valid and fully paid and nonassessable.</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">The Depository assumes no responsibility
for the correctness of the description that appears in the Receipts. Notwithstanding any other provision herein or in the Receipts,
the Depository makes no warranties or representations as to the validity or genuineness of any Stock at any time deposited with
the Depository hereunder or of the Depositary Shares, as to the validity or sufficiency of this Agreement, as to the value of the
Depositary Shares or as to any right, title or interest of the record holders of Receipts in and to the Depositary Shares. The
Depository shall not be accountable for the use or application by the Corporation of the Depositary Shares or the Receipts or the
proceeds thereof.</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">The Depository may rely on and be fully authorized
and protected in acting or failing to act upon (i) any guaranty of signature by an &ldquo;eligible guarantor institution&rdquo;
that is a member or participant in the Securities Transfer Agents Medallion Program or other comparable &ldquo;signature guarantee
program&rdquo; or insurance program in addition to, or in substitution for, the foregoing<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">;
</FONT>or (ii) any law, act, regulation or any interpretation of the same even though such law, act, or regulation may thereafter
have been altered, changed, amended or repealed.</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">Notwithstanding anything to the contrary
herein, no party to this Agreement shall be liable for any incidental, indirect, punitive, special or consequential damages of
any nature whatsoever, including, but not limited to, loss of anticipated profits, arising under any provision of this Agreement
or out of any act or failure to act even if apprised of the possibility of such damages.</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">The Depository 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 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 Depository shall not be responsible for advancing funds on behalf of the Corporation 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: 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">In the event the Depository believes
any ambiguity or uncertainty exists hereunder or in any notice, instruction, direction, request or other communication, paper
or document received by the Depository hereunder, or in the administration of any of the provisions of this Agreement, the
Depository 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 Depository may, in its sole discretion upon written notice to the Corporation, refrain from
taking any action and shall be fully protected and shall not be liable in any way to the Corporation, any Holders of</P>
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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">Receipts or any other person or entity for
refraining from taking such action, unless the Depository receives written instructions or a certificate signed by the Corporation
which eliminates such ambiguity or uncertainty to the satisfaction of the Depository or which proves or establishes the applicable
matter to the satisfaction of the Depository.</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: 36pt">The Depository undertakes not to issue any
Receipt other than to evidence the Depositary Shares representing interests in the shares of Stock that have been delivered to
and are then on deposit with the Depository.</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">The Depository also undertakes not to sell,
except as provided herein, pledge or lend Depositary Shares or any shares of deposited Stock by it as Depository.</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">The Depository shall not be held to have
notice of any change of authority of any person, until receipt of written notice thereof from the Corporation. The obligations
of the Corporation and the rights of the Depository set forth in this Section 5.3 shall survive the termination of this Agreement,
the resignation, removal of the Depository, and any succession of any Depository, Registrar or Depository&rsquo;s Agent.</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 5.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Resignation and Removal of the Depository&#894; Appointment of Successor Depository</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">The Depository may at any time resign as
Depository hereunder by delivering notice (pursuant to the notice provisions contained in <U>Section 7.4</U>) of its election to
do so to the Corporation upon 30 days&rsquo; notice of such resignation. The Depository may at any time be removed by the Corporation
by 30 days&rsquo; written notice of such removal delivered to the Depository.</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">In case at any time the Depository acting
hereunder shall resign or be removed, the Corporation shall, within 30 days after the delivery of the notice of resignation or
removal, as the case may be, appoint a successor Depository, which shall be authorized under applicable laws to exercise the powers
of a transfer agent and subject to supervision or examination by federal or state authorities having its principal office in the
United States of America and (together with its affiliates) having a combined capital and surplus of at least $50,000,000. If no
successor Depository shall have been so appointed and have accepted appointment within 30 days after delivery of such notice, a
Holder may petition any court of competent jurisdiction for the appointment of a successor Depository. Every successor Depository
shall execute and deliver to its predecessor and to the Corporation an instrument in writing accepting its appointment hereunder,
and thereupon such successor Depository, 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 Depository under this Agreement, and such predecessor,
upon payment of all sums due it and on the written request of the Corporation, 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 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 successor Depository shall promptly provide notice of its appointment to the Record Holders of Receipts.</P>
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    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Any entity into or with which the Depository
may be merged, consolidated or converted, or any person to which all or a substantial part of the assets of the Depository may
be transferred or which succeeds to the shareholder services business of the Depository shall be the successor of the Depository
without the execution or filing of any document or any further act, and notice thereof shall not be required hereunder. Such successor
Depository may authenticate the Receipts in the name of the predecessor Depository or its own name as successor Depository.</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 5.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Corporate Notices and Reports</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">The Corporation agrees that it will deliver
to the Depository, and the Depository will, as soon as practicable, after receipt thereof, transmit to the Record Holders of Receipts,
in each case at the addresses recorded in the Depository&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 Corporation&rsquo;s Restated Charter (as amended and including the Articles), to be furnished
to the Record Holders of Receipts. Such transmission will be at the Corporation&rsquo;s expense and the Corporation will provide
the Depository with such number of copies of such documents as the Depository may request. In addition, the Depository will transmit
to the Record Holders of Receipts at the Corporation&rsquo;s expense, including applicable fees, such other documents as may be
requested by 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 5.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Indemnification by the Corporation</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">The Corporation shall indemnify the Depository, any Depository&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) may
be paid, incurred or suffered by or to which it may become subject, arising from or out of, directly or indirectly, any claims
or liability resulting from acts performed, suffered or omitted to be taken in connection with this Agreement and the Receipts
by the Depository, any Registrar or any of their respective agents (including any Depository&rsquo;s Agent) and any transactions
or documents contemplated hereby, except for any liability arising out of gross negligence, willful misconduct or bad faith (each
as determined by a final judgment of a court of competent jurisdiction) on the respective parts of any such person or persons.
The costs and expenses incurred by the Depository in enforcing this right of indemnification shall be paid by the Corporation.
The obligations of the Corporation and the rights of the Depository set forth in this <U>Section 5.6</U> shall survive the termination
of this Agreement and any succession of any Depository, Registrar or Depository&rsquo;s Agent.</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">Section 5.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Fees, Charges and Expenses</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">The Corporation agrees promptly to pay the
Depository the compensation to be agreed upon with the Corporation for all services rendered by the Depository hereunder and to
reimburse the Depository for its reasonable out-of-pocket expenses (including reasonable counsel fees and expenses) incurred by
the Depository without gross negligence, willful misconduct or bad faith (each as determined by a final judgment of a court of
competent jurisdiction) on its part (or on the part of any agent or Depository&rsquo;s Agent) in connection with the services rendered
by it (or such agent or Depository&rsquo;s Agent) hereunder. The Corporation shall</P>
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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">pay all charges of the Depository in connection
with the initial deposit of the Stock and the initial issuance of the Depositary Shares and any redemption or exchange of the Stock
at the option of the Corporation. The Corporation shall pay all transfer and other taxes and governmental charges arising solely
from the existence of the depository 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 Depository incurs
charges or expenses for which the Corporation is not otherwise liable hereunder, such Holder will be liable for such charges and
expenses&#894; provided, however, that the Depository may, at its sole option, request that the Corporation direct a Holder of
a Receipt to prepay the Depository any charge or expense the Depository has been asked to incur at the request of such Holder of
Receipts. The Depository shall present its statement for charges and expenses to the Corporation at such intervals as the Corporation
and the Depository may agree. The Depository shall not register any transfer or issue or deliver any Receipt(s) or Depositary Shares
unless or until the persons requesting the registration or issuance shall have paid to the Depository for the account of the Corporation
the amount of such tax, if any, or shall have established to the reasonable satisfaction of the Corporation and the Depository
that such tax, if any, has been paid.</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: 36pt"><FONT STYLE="color: #010000">Section 5.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Tax Compliance</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">The Depository on its own behalf and on behalf
of the Corporation, will comply with all applicable certification, information reporting and withholding (including &ldquo;backup&rdquo;
withholding) requirements imposed by applicable tax laws, regulations or administrative practice with respect to (i) any payments
made with respect to the Depositary Shares or (ii) the issuance, delivery, holding, transfer, redemption or exercise of rights
under the Depositary Receipts or the Depositary Shares. Such compliance shall include, without limitation, the preparation and
timely filing of required returns and the timely payment of all amounts required to be withheld to the appropriate taxing authority
or its designated agent.</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">The Depository shall comply with any written
instructions received from the Corporation with respect to the application of such requirements to particular payments or Holders,
and may for purposes of this Agreement rely on any such instructions in accordance with the provisions of <U>Section 5.3</U> hereof.
The Depository shall have no duties, responsibilities or obligations to take any action under this paragraph without clear and
precise instructions from 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">The Depository shall maintain all appropriate
records documenting compliance with such requirements, and shall make such records available on reasonable request to the Corporation
or to its authorized representatives.</P>

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

<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0pt">Article
VI<BR>
AMENDMENT AND TERMINATION</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 6.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Amendment</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">The form of the Receipts and any provisions
of this Agreement may at any time and from time to time be amended by agreement between the Corporation and the Depository without
the consent of Holders of Receipts in any respect which they may deem necessary or desirable&#894; provided, however, that no such
amendment (other than a change in fees) which shall materially</P>
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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">and adversely alter the rights of the Holders
of Receipts shall be effective unless such amendment shall have been approved by the Holders of Receipts evidencing at least a
majority 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 this Agreement.</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: 36pt">Notwithstanding the foregoing, in no event
shall the Corporation be required to execute any amendment which may impair the right, subject to the provisions of <U>Sections
2.6</U> and <U>2.7</U> and Article III, of any owner of Depositary Shares to surrender any Receipt evidencing such Depositary Shares
to the Depository 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. As a condition precedent to the Depository&rsquo;s execution of any amendment,
the Corporation shall deliver to the Depository a certificate from a duly authorized officer of the Corporation that states that
the proposed amendment is in compliance with the terms of this <U>Section 6.1</U>, provided that, if, under the foregoing paragraph,
such amendment would require approval of at least a majority of Holders of Receipts to be effective, such Holders shall be deemed
to have consented and agreed to such amendment for purposes of the statement in such certificate that such amendment is in compliance
with the terms of this <U>Section 6</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">Section 6.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Termination</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">Without limiting the provisions contained
in <U>Section 5.4</U>, this Agreement may be terminated by the Corporation or the Depository only if (i) all outstanding Depositary
Shares issued hereunder have been redeemed pursuant to <U>Section 2.9</U> hereof, or (ii) there shall have been made a final distribution
in respect of the Stock in connection with any liquidation, dissolution or winding up of the Corporation and such distribution
shall have been distributed to the Holders of Receipts representing Depositary Shares pursuant to <U>Section 4.1</U> or <U>4.2</U>
hereof, 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: 36pt">Upon the termination of this Agreement, the
Corporation shall be discharged from all obligations under this Agreement except for its obligations to the Depository, any Depository&rsquo;s
Agent and any Registrar under <U>Sections 5.3</U>, <U>5.6</U> and <U>5.7</U>.</P>

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

<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0pt">Article
VII<BR>
MISCELLANEOUS</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 7.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Counterparts</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">This 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: 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 7.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Exclusive Benefit of Parties</U>.</P>
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    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">This 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: 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 7.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Invalidity of Provisions</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">In case any one or more of the provisions
contained in this 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>

<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 7.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Notices</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">Any and all notices to be given to the Corporation
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, postage prepaid, or recognized next day courier service, or by facsimile transmission or electronic mail (upon confirmation
by letter otherwise delivered hereunder), addressed to the Corporation at:</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 0pt 18pt">First Horizon National Corporation<BR>
165 Madison Avenue, 12th Floor<BR>
Memphis, TN 38103<BR>
Attn: Janet E. Denkler<BR>
Email: jedenkler@firsthorizon.com</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 18pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">or at any other addresses of which the Corporation shall have
notified the Depository in writing.</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">Any and all notices to be given to the Depository
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, postage prepaid, or recognized next day courier service, or by facsimile transmission or electronic mail (upon confirmation
by letter otherwise delivered hereunder), addressed to the Depository at the Depository&rsquo;s Office at:</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 0pt 18pt">Equiniti Trust Company<BR>
1110 Centre Pointe Curve, Suite 101<BR>
Mendota Heights, MN 55120<BR>
Attention: John Lundberg<BR>
Email: john.lundberg@equiniti.com</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 18pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">or at any other address of which the Depository shall have notified
the Corporation in writing.</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">The Depository shall give any and all notices
directed to be given by the Corporation to any Record Holder of a Receipt in writing, which notices shall be deemed to have been
duly given if personally delivered or sent by mail or electronic transmission or confirmed by letter, addressed to such Record
Holder at the address of such Record Holder as it appears on the books of the Depository. Any written notices given to any record
holder of a DTC Receipt shall be deemed to have been duly given if transmitted through the facilities of DTC in accordance with
DTC&rsquo;s procedures.</P>
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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Delivery of a notice sent by mail, facsimile
or electronic transmission shall be deemed to be effected (i) in the case of mail, at the time when a duly addressed letter containing
the same is deposited, postage prepaid, in a post office letter box, (ii) in the case of a recognized next-day courier service,
the next business day after delivery to the courier service (iii) in the case of facsimile, upon receipt of a confirmation of delivery
on a business day during normal business hours and (iv) in the case of electronic mail, the receipt of the electronic mail on a
business day during normal business hours. The Depository or the Corporation may, however, act upon any facsimile transmission
received by it from the other, notwithstanding that such facsimile transmission shall not subsequently be confirmed by letter or
as aforesaid.</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">Delivery of a notice by the Corporation to
the Depository or by the Depository by the Corporation 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, and (iii) in the case of
facsimile, upon receipt of a confirmation of delivery on a business day during normal business hours.</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 7.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Appointment of Registrar and Transfer Agent, Dividend Disbursing Agent and Redemption Agent</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">The Corporation 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 as Transfer Agent, Registrar,
dividend disbursing agent and redemption agent in respect of the Stock, each of the Corporation and Equiniti Trust Company, in
their respective capacities under such appointments, shall be entitled to the same rights, indemnities, immunities and benefits
as the Corporation and Depository hereunder, respectively, as if explicitly named in each such provision.</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 7.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Holders of Receipts Are Parties</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">The Holders of Receipts from time to time
shall be parties to this Agreement and shall be bound by all of the terms and conditions hereof and of the Receipts. The provisions
of this Agreement are intended to benefit only the parties hereto and their respective permitted successors and assigns, and no
rights shall be granted to any other person by virtue of this Agreement.</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 7.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Governing Law</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">This Agreement and the Receipts of each series
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: 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">The parties hereunder hereby agree that any
action, proceeding or claim against it arising out of or relating in any way to this Agreement shall be brought and enforced in
the courts of the State of New York or the United States District Court for the Southern District of New York, and irrevocably
submits to such jurisdiction, which jurisdiction shall be exclusive. The parties hereunder hereby waive any objection to such exclusive
jurisdiction and that such courts represent an inconvenient forum. Any such process or summons to be served upon either party</P>
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    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">may be served by transmitting a copy thereof
by registered or certified mail, return receipt requested, postage prepaid, addressed to it at the address set forth in <U>Section
7.4</U> hereof. Such mailing shall be deemed personal service and shall be legal and binding upon such party in any action, proceeding
or claim.</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: 36pt"><FONT STYLE="color: #010000">Section 7.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Headings</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">The headings of articles and sections in
this Agreement and in the form of the Receipt set forth in <U>Exhibit A</U> hereto have been inserted for convenience only and
are not to be regarded as a part of this 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: 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 7.9&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Force Majeure</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">Notwithstanding anything to the contrary
contained herein, the Depository will not be liable for any delays or failures in performance resulting from acts beyond its reasonable
control including, without limitation, acts of God, terrorist acts, shortage of supply, breakdowns or malfunctions, interruptions
or malfunction of computer facilities, or loss of data due to power failures or mechanical difficulties with information storage
or retrieval systems, labor difficulties, war, or civil unrest.</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 7.10&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Confidentiality</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">The Depository and the Corporation agree
that all books, records, information and data pertaining to the business of the other party, including inter alia, personal, non-public
warrant holder information, which are exchanged or received pursuant to the negotiation or the carrying out of this Agreement,
including the fees for services contemplated hereunder, shall remain confidential, and shall not be voluntarily disclosed to any
other person, except as may be required by law, including, without limitation, pursuant to subpoenas from state or federal government
authorities (e.g., in divorce and criminal actions). However, each party may disclose relevant aspects of the other party&rsquo;s
confidential information to its officers, affiliates, agents, subcontractors and employees to the extent reasonably necessary to
perform its duties and obligations under this Agreement and such disclosure is not prohibited by applicable law.</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-align: center">[Signature page follows.]</P>
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    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">IN WITNESS WHEREOF, the Corporation and the
Depository have duly executed this Agreement as of the day and year first above set forth.</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">FIRST HORIZON NATIONAL CORPORATION</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1px solid">/s/</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1px solid">Dane Smith</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 7%">Name:</TD>
    <TD STYLE="width: 28%">Dane Smith</TD>
    <TD STYLE="width: 58%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD COLSPAN="2">Senior Vice President and Corporate Treasurer</TD></TR>
</TABLE>
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    <!-- Field: /Page -->

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%">By:</TD>
    <TD STYLE="width: 3%; border-bottom: Black 1px solid">/s/</TD>
    <TD STYLE="width: 35%; border-bottom: Black 1px solid">Martin J. Knapp</TD>
    <TD STYLE="width: 58%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Name: Martin J. Knapp</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Title: Vice President</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><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; text-indent: 0pt; color: #010000">EXHIBIT
A</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0pt; color: #010000">&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: 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 DEPOSITARY SHARES REPRESENTED BY THIS
CERTIFICATE ARE NOT SAVINGS ACCOUNTS, DEPOSITS OR OTHER OBLIGATIONS OF A BANK AND ARE NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE
CORPORATION OR ANY OTHER GOVERNMENT 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">[<I>To be included in any DTC Receipt or
other global Receipt: </I>UNLESS THIS RECEIPT IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW
YORK CORPORATION (&ldquo;DTC&rdquo;), TO THE CORPORATION OR ITS AGENT (INCLUDING THE DEPOSITORY) FOR REGISTRATION OF TRANSFER,
EXCHANGE, OR PAYMENT, AND ANY RECEIPT 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: 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">TRANSFERS OF THIS RECEIPT SHALL BE LIMITED
TO TRANSFERS IN WHOLE, BUT NOT IN PART, TO NOMINEES OF DTC OR TO A SUCCESSOR THEREOF OR SUCH SUCCESSOR&rsquo;S NOMINEE AND TRANSFERS
OF PORTIONS OF THIS RECEIPT SHALL BE LIMITED TO TRANSFERS MADE IN ACCORDANCE WITH THE RESTRICTIONS SET FORTH IN THE DEPOSIT AGREEMENT
REFERRED TO BELOW. IN CONNECTION WITH ANY TRANSFER, THE HOLDER WILL DELIVER TO THE REGISTRAR AND TRANSFER AGENT SUCH CERTIFICATES
AND OTHER INFORMATION AS SUCH REGISTRAR AND TRANSFER AGENT MAY REQUIRE TO CONFIRM THAT THE TRANSFER COMPLIES WITH THE FOREGOING
RESTRICTIONS.]</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 75%">Number DR-</TD>
    <TD STYLE="width: 25%">Depositary Shares</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>(CUSIP: [<FONT STYLE="font-family: Georgia, Times, Serif">&bull;</FONT>])</TD></TR>
</TABLE>
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    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">DEPOSITARY RECEIPT FOR DEPOSITARY SHARES,<BR>
EACH REPRESENTING ONE 1/400<FONT STYLE="font-size: 6.5pt">TH </FONT>OF ONE SHARE OF<BR>
6.600% FIXED-TO-FLOATING NON-CUMULATIVE PERPETUAL PREFERRED STOCK,<BR>
SERIES C, OF<BR>
FIRST HORIZON NATIONAL CORPORATION<BR>
Incorporated under the laws of the State of Tennessee<BR>
(See reverse for certain definitions.)</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">Equiniti Trust Company, a limited trust
company organized under the laws of the State of New York (the &ldquo;Depository&rdquo;), hereby certifies that
CEDE&nbsp;&amp; CO. is the registered owner of ( ) DEPOSITARY SHARES (&ldquo;Depositary Shares&rdquo;), each Depositary Share
representing one 1/400<FONT STYLE="font-size: 6.5pt">th </FONT>of a share of 6.600% Fixed-to-Floating Non-Cumulative
Perpetual Preferred Stock, Series C, liquidation preference $10,000 per share, no par value (the &ldquo;Stock&rdquo;), of
FIRST HORIZON NATIONAL CORPORATION, a Tennessee corporation (the &ldquo;Corporation&rdquo;), on deposit with the Depository,
subject to the terms and entitled to the benefits of the Deposit Agreement dated as of July 1, 2020 (the &ldquo;Deposit
Agreement&rdquo;), among the Corporation, Equiniti Trust Company 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 Depository by the manual, facsimile or
electronic signature of a duly authorized officer and countersigned and registered by the transfer agent and registrar.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>Dated:</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">Equiniti Trust Company, as Depository</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 63%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 4%">&nbsp;</TD>
    <TD STYLE="width: 30%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 10pt">Authorized Officer</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Countersigned and Registered:<BR>
Equiniti Trust Company,<BR>
Transfer Agent and Registrar</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%">By:</TD>
    <TD STYLE="width: 38%; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="width: 58%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 10pt">Authorized Signatory</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><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">[FORM OF REVERSE OF RECEIPT]<BR>
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-indent: 36pt">UPON REQUEST, THE CORPORATION WILL FURNISH
WITHOUT CHARGE TO EACH HOLDER OF A DEPOSITARY RECEIPT WHO SO REQUESTS A COPY OF THE DEPOSIT AGREEMENT AND A COPY OR SUMMARY OF
THE ARTICLES OF AMENDMENT OF THE 6.600% FIXED-TO-FLOATING NONCUMULATIVE PERPETUAL PREFERRED STOCK, SERIES C, OF FIRST HORIZON NATIONAL
CORPORATION. ANY SUCH REQUEST IS TO BE ADDRESSED TO THE SECRETARY OF THE CORPORATION OR THE DEPOSITORY NAMED ON THE FACE OF THIS
RECEIPT.</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">The Corporation will furnish without charge
to each holder of a depositary receipt 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 or rights. Such request may be made to the Corporation or to the Registrar.</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">KEEP THIS CERTIFICATE IN A SAFE PLACE. IF
IT IS LOST, STOLEN OR DESTROYED THE CORPORATION WILL REQUIRE A BOND OF INDEMNITY AS A CONDITION TO THE ISSUANCE OF A REPLACEMENT
CERTIFICATE.</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">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: 0pt 0; text-indent: 36pt">&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: 48%">TEN COM &ndash; as tenants in common</TD>
    <TD STYLE="width: 4%">&nbsp;</TD>
    <TD STYLE="width: 48%">UNIF GIFT MIN ACT &ndash; Custodian</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>TEN ENT &ndash; as tenants by the entireties</TD>
    <TD>&nbsp;</TD>
    <TD>(Cust) _____________________&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(Minor)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>JT TEN &ndash; as joint tenants with right of survivorship and not as tenants in common</TD>
    <TD>&nbsp;</TD>
    <TD>Under Uniform Gifts to Minors</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>___________&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Act</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>___________&nbsp;&nbsp;&nbsp;(State)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Additional abbreviations may also be used though not in the above list.</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">For value received, _____________________ hereby sells, assigns
and transfers unto</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">PLEASE INSERT SOCIAL SECURITY OR OTHER IDENTIFYING NUMBER OF
ASSIGNEE</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS,
INCLUDING ZIP CODE, OF ASSIGNEE)</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">Depositary Shares represented by the within Certificate, and
do(es) hereby irrevocably constitute and appoint ________________________ as Attorney to transfer the</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">Depositary Shares on the books of the within named Depository
with full power of substitution in the premises.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Dated</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">NOTICE: THE SIGNATURE TO THIS ASSIGNMENT MUST CORRESPOND WITH
THE NAME AS WRITTEN UPON THE FACE OF THE</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">CERTIFICATE IN EVERY PARTICULAR, WITHOUT
ALTERATION OR ENLARGEMENT OR ANY CHANGE WHATEVER.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 140pt">SIGNATURE(S) GUARANTEED:</TD>
    <TD STYLE="padding-left: 5.4pt">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 PROGRAM), PURSUANT TO RULE 17Ad-15 UNDER THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED.</TD></TR>
</TABLE>


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<DOCUMENT>
<TYPE>EX-4.3
<SEQUENCE>7
<FILENAME>c100054_ex4-3.htm
<TEXT>
<HTML>
<HEAD>
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<BODY>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 4.3</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: right"></P>

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

<P STYLE="font: 5pt 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">6.100% FIXED-TO-FLOATING NON-CUMULATIVE PERPETUAL
PREFERRED STOCK,</P>

<P STYLE="font: 5pt 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">SERIES D</P>

<P STYLE="font: 5pt 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">DEPOSIT AGREEMENT</P>

<P STYLE="font: 5pt 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">among</P>

<P STYLE="font: 5pt 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">FIRST HORIZON NATIONAL CORPORATION,</P>

<P STYLE="font: 5pt 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">EQUINITI TRUST COMPANY,</P>

<P STYLE="font: 5pt 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">as Depository</P>

<P STYLE="font: 5pt 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">and</P>

<P STYLE="font: 5pt 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">THE HOLDERS FROM TIME TO TIME OF</P>

<P STYLE="font: 5pt 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">THE DEPOSITARY RECEIPTS DESCRIBED HEREIN</P>

<P STYLE="font: 5pt 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">Dated as of July 1, 2020</P>





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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-transform: uppercase; text-align: center">Article I<BR>
Defined Terms</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 72pt; font: 12pt Times New Roman, Times, Serif; text-indent: 0pt">Section 1.1</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-indent: 0pt">Definitions</TD>
    <TD STYLE="width: 5%; font: 12pt Times New Roman, Times, Serif; text-align: right; text-indent: 0pt">1</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-transform: uppercase; text-align: center">&nbsp;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-transform: uppercase; text-align: center">APPOINTMENT OF DEPOSITORY;
BOOK-ENTRY SYSTEM; FORM OF RECEIPTS; DEPOSIT OF STOCK; EXECUTION AND DELIVERY; TRANSFER, SURRENDER AND REDEMPTION OF RECEIPTS</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: top">
    <TD STYLE="width: 72pt; text-indent: 0pt">Section 2.1</TD>
    <TD STYLE="text-indent: 0pt">Appointment of Depository</TD>
    <TD STYLE="width: 5%; text-align: right; text-indent: 0pt">2</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 2.2</TD>
    <TD STYLE="text-indent: 0pt">Book-Entry System&#894; Form and Transfer of Receipts</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">2</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 2.3</TD>
    <TD STYLE="text-indent: 0pt">Deposit of Stock; Execution and Delivery of Receipts</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">5</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 2.4</TD>
    <TD STYLE="text-indent: 0pt">Registration of Transfer of Receipts</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">6</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 2.5</TD>
    <TD STYLE="text-indent: 0pt">Split-ups and Combinations of Receipts; Surrender of Receipts and Withdrawal of Stock</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">6</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 2.6</TD>
    <TD STYLE="text-indent: 0pt">Limitations on Execution and Delivery, Transfer, Surrender and Exchange of Receipts</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">7</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 2.7</TD>
    <TD STYLE="text-indent: 0pt">Lost Receipts, etc.</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">8</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 2.8</TD>
    <TD STYLE="text-indent: 0pt">Cancellation and Destruction of Surrendered Receipts</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">8</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 2.9</TD>
    <TD STYLE="text-indent: 0pt">Redemption of Stock</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">8</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-transform: uppercase; text-align: center">&nbsp;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-transform: uppercase; text-align: center">CERTAIN OBLIGATIONS
OF HOLDERS OF RECEIPTS AND THE CORPORATION</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: top">
    <TD STYLE="width: 72pt; text-indent: 0pt">Section 3.1</TD>
    <TD STYLE="text-indent: 0pt">Filing Proofs&#894; Certificates and Other Information</TD>
    <TD STYLE="width: 5%; text-align: right; text-indent: 0pt">9</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 3.2</TD>
    <TD STYLE="text-indent: 0pt">Payment of Taxes or Other Governmental Charges</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">9</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 3.3</TD>
    <TD STYLE="text-indent: 0pt">Warranty as to Stock</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">10</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 3.4</TD>
    <TD STYLE="text-indent: 0pt">Warranty as to Receipts</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">10</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-transform: uppercase; text-align: center">&nbsp;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-transform: uppercase; text-align: center">THE DEPOSITED SECURITIES&#894;
NOTICES</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: top">
    <TD STYLE="width: 72pt; text-indent: 0pt">Section 4.1</TD>
    <TD STYLE="text-indent: 0pt">Cash Distributions</TD>
    <TD STYLE="width: 5%; text-align: right; text-indent: 0pt">10</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 4.2</TD>
    <TD STYLE="text-indent: 0pt">Distributions Other than Cash, Rights, Preferences or Privileges</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">11</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 4.3</TD>
    <TD STYLE="text-indent: 0pt">Subscription Rights, Preferences or Privileges</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">11</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 4.4</TD>
    <TD STYLE="text-indent: 0pt">Notice of Dividends, etc.; Fixing Record Date for Holders of Receipts</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">12</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 4.5</TD>
    <TD STYLE="text-indent: 0pt">Voting Rights</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">13</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 4.6</TD>
    <TD STYLE="text-indent: 0pt">Changes Affecting Deposited Securities and Reclassifications, Recapitalizations, etc.</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">13</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 4.7</TD>
    <TD STYLE="text-indent: 0pt">Delivery of Reports</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">14</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 4.8</TD>
    <TD STYLE="text-indent: 0pt">Lists of Receipt Holders</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">14</TD></TR>
</TABLE>

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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 COLSPAN="3">
        <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-transform: uppercase; text-align: center">Article V</P>
        <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-transform: uppercase; text-align: center">THE DEPOSITORY, THE
        DEPOSITORY&rsquo;S AGENTS, THE REGISTRAR AND THE CORPORATION</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 72pt; text-indent: 0pt">Section 5.1</TD>
    <TD STYLE="text-indent: 0pt">Maintenance of Offices, Agencies and Transfer Books by the Depository; Registrar; Depository&rsquo;s Agents</TD>
    <TD STYLE="width: 5%; text-indent: 0pt; text-align: right">14</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 5.2</TD>
    <TD STYLE="text-indent: 0pt">Prevention of or Delay in Performance by the Depository, the Depository&rsquo;s Agents, the Registrar or the Corporation</TD>
    <TD STYLE="text-indent: 0pt; text-align: right">15</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 5.3</TD>
    <TD STYLE="text-indent: 0pt">Obligations of the Depository, the Depository&rsquo;s Agents, the Registrar and the Corporation</TD>
    <TD STYLE="text-indent: 0pt; text-align: right">16</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 5.4</TD>
    <TD STYLE="text-indent: 0pt">Resignation and Removal of the Depository&#894; Appointment of Successor Depository</TD>
    <TD STYLE="text-indent: 0pt; text-align: right">19</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 5.5</TD>
    <TD STYLE="text-indent: 0pt">Corporate Notices and Reports</TD>
    <TD STYLE="text-indent: 0pt; text-align: right">20</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 5.6</TD>
    <TD STYLE="text-indent: 0pt">Indemnification by the Corporation</TD>
    <TD STYLE="text-indent: 0pt; text-align: right">20</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 5.7</TD>
    <TD STYLE="text-indent: 0pt">Fees, Charges and Expenses</TD>
    <TD STYLE="text-indent: 0pt; text-align: right">20</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 5.8</TD>
    <TD STYLE="text-indent: 0pt">Tax Compliance</TD>
    <TD STYLE="text-indent: 0pt; text-align: right">21</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">
        <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-transform: uppercase; text-align: center">Article VI</P>
        <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-transform: uppercase; text-align: center">AMENDMENT AND TERMINATION</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 6.1</TD>
    <TD STYLE="text-indent: 0pt">Amendment</TD>
    <TD STYLE="text-indent: 0pt; text-align: right">21</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 6.2</TD>
    <TD STYLE="text-indent: 0pt">Termination</TD>
    <TD STYLE="text-indent: 0pt; text-align: right">22</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">
        <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-transform: uppercase; text-align: center">Article VII</P>
        <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-transform: uppercase; text-align: center">MISCELLANEOUS</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 7.1</TD>
    <TD STYLE="text-indent: 0pt">Counterparts</TD>
    <TD STYLE="text-indent: 0pt; text-align: right">22</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 7.2</TD>
    <TD STYLE="text-indent: 0pt">Exclusive Benefit of Parties</TD>
    <TD STYLE="text-indent: 0pt; text-align: right">22</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 7.3</TD>
    <TD STYLE="text-indent: 0pt">Invalidity of Provisions</TD>
    <TD STYLE="text-indent: 0pt; text-align: right">23</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 7.4</TD>
    <TD STYLE="text-indent: 0pt">Notices</TD>
    <TD STYLE="text-indent: 0pt; text-align: right">23</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 7.5</TD>
    <TD STYLE="text-indent: 0pt">Appointment of Registrar and Transfer Agent, Dividend Disbursing Agent and Redemption Agent</TD>
    <TD STYLE="text-indent: 0pt; text-align: right">24</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 7.6</TD>
    <TD STYLE="text-indent: 0pt">Holders of Receipts Are Parties</TD>
    <TD STYLE="text-indent: 0pt; text-align: right">24</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 7.7</TD>
    <TD STYLE="text-indent: 0pt">Governing Law</TD>
    <TD STYLE="text-indent: 0pt; text-align: right">24</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 7.8</TD>
    <TD STYLE="text-indent: 0pt">Headings</TD>
    <TD STYLE="text-indent: 0pt; text-align: right">25</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 7.9</TD>
    <TD STYLE="text-indent: 0pt">Force Majeure</TD>
    <TD STYLE="text-indent: 0pt; text-align: right">25</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">Section 7.10</TD>
    <TD STYLE="text-indent: 0pt">Confidentiality</TD>
    <TD STYLE="text-indent: 0pt; text-align: right">25</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">EXHIBIT A</TD>
    <TD STYLE="text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0pt; text-align: right">A-1</TD></TR>
</TABLE>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><B>THIS DEPOSIT AGREEMENT</B>, dated as of
July 1, 2020 (this &ldquo;Agreement&rdquo;), is entered into among (i) FIRST HORIZON NATIONAL CORPORATION, a Tennessee
corporation and its successors (the &ldquo;Corporation&rdquo;), (ii) EQUINITI TRUST COMPANY, a limited trust company
organized under the laws of the State of New York (the &ldquo;Depository&rdquo;) and (iii) the Holders (as defined herein)
from time to time of the Receipts (as defined herein) described in this Agreement.</P>

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

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

<P STYLE="font: bold 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-indent: 36pt"><B>WHEREAS</B>, the parties desire to provide,
as set forth in this Agreement, for the deposit of shares of the Corporation&rsquo;s 6.100% Fixed-to-Floating Non-Cumulative Perpetual
Preferred Stock, Series D, no par value, from time to time with the Depository for the purposes set forth in this Agreement and
for the issuance hereunder of Receipts evidencing Depositary Shares (as defined herein) in respect of the Stock (as defined herein)
so deposited; and</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><B>WHEREAS</B>, the Receipts are to be substantially
in the form of <U>Exhibit A</U> annexed hereto, with appropriate insertions, modifications and omissions, as hereinafter provided
in this Agreement;</P>

<P STYLE="font: 12pt Garamond,serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><B>NOW, THEREFORE</B>, in consideration of the
foregoing premises, the parties hereto agree as follows:</P>

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

<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0; text-transform: uppercase; text-align: center; text-indent: 0pt">Article
I<BR>
Defined Terms</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 1.1 </FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Definitions</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">The following definitions shall for all purposes,
unless otherwise indicated, apply to the respective terms used in this Agreement:</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&ldquo;Agreement&rdquo; shall mean this Agreement, as amended, supplemented
or otherwise modified from time to time in accordance with the terms hereof.</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">&ldquo;Articles&rdquo; shall mean the Articles of Amendment filed
with the Secretary of State of the State of Tennessee establishing the Stock as a series of preferred stock of the Corporation.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&ldquo;Corporation&rdquo; shall have the meaning set forth in the
Preamble of this 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">&ldquo;Depository&rdquo; shall mean Equiniti Trust Company and any
successor as depository hereunder.</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">&ldquo;Depositary Shares&rdquo; shall mean the depositary shares,
each representing 1/400<FONT STYLE="font-size: 6.5pt">th </FONT>of a share of the Stock and evidenced by a Receipt.</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">&ldquo;Depository&rsquo;s Agent&rdquo; shall mean an agent appointed
by the Depository pursuant to <U>Section 5.1</U> hereof.</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">&ldquo;Depository&rsquo;s Office&rdquo; shall mean the designated
office of the Depository, at which at any particular time its depositary receipt business shall be administered.</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&ldquo;Receipt&rdquo; shall mean one of the depositary receipts
issued hereunder, substantially in the form set forth as <U>Exhibit A</U> hereto, whether in definitive or temporary form, and
evidencing the number of Depositary Shares held of record by the Record Holder of those Depositary Shares and shall include the
DTC Receipt, as defined in <U>Section 2.2</U> hereof, where appropriate.</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">&ldquo;Record Holder&rdquo; or &ldquo;Holder&rdquo; as applied to
a Receipt shall mean the person in whose name that Receipt is registered on the books of the Depository maintained for such purpose.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&ldquo;Registrar&rdquo; shall mean the Depository or such other
successor bank or trust company which shall be appointed by the Corporation to register ownership and transfers of Receipts as
herein provided, and, if a successor Registrar shall be so appointed, references herein to &ldquo;the books&rdquo; of or maintained
by the Registrar shall be deemed, as applicable, to refer as well to the register maintained by such successor Registrar for such
purpose.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&ldquo;Securities Act&rdquo; shall mean the Securities Act of 1933,
as amended.</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">&ldquo;Stock&rdquo; shall mean the shares of the Corporation&rsquo;s
6.100% Fixed-to-Floating Non-Cumulative Perpetual Preferred Stock, Series D, no par value, with a liquidation preference of $10,000
per share, designated in the Articles.</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">&ldquo;Transfer Agent&rdquo; shall mean the Depository or such other
successor bank or trust company which shall be appointed by the Corporation to transfer the Receipts and the deposited Stock.</P>

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

<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0; text-transform: uppercase; text-align: center; text-indent: 0pt">Article
II<BR>
APPOINTMENT OF DEPOSITORY<FONT STYLE="font-size: 12pt">; </FONT>BOOK-ENTRY SYSTEM<FONT STYLE="font-size: 12pt">; </FONT>FORM
OF RECEIPTS<FONT STYLE="font-size: 12pt">; </FONT>DEPOSIT OF STOCK<FONT STYLE="font-size: 12pt">; </FONT>EXECUTION AND DELIVERY<FONT STYLE="font-size: 12pt">;
</FONT>TRANSFER, SURRENDER AND REDEMPTION OF RECEIPTS</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 2.1 </FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Appointment
of Depository</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">The Corporation hereby appoints Depository as
depository for the Stock, and Depository hereby accepts such appointment and agrees to perform the same in accordance with the
express terms and conditions set forth in this Agreement.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 2.2 </FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Book-Entry
System&#894; Form and Transfer of Receipts</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">The Corporation and the Depository shall make
application to The Depository Trust Company (&ldquo;DTC&rdquo;) for acceptance of all of the Receipts for its book-entry settlement
system. The Corporation hereby appoints the Depository acting through any authorized officer thereof as its attorney-in-fact, with
full power to delegate, for purposes of executing any agreements, certifications or other instruments or documents necessary or
desirable in order to effect the acceptance of such Receipts for DTC eligibility. So long as the Receipts are eligible for book-entry
settlement with DTC, unless otherwise required by law, the Corporation&rsquo;s Articles of Incorporation (as amended and including
the Articles) or its By-laws (as amended), all Depositary Shares with book-entry settlement through DTC shall be represented by
one or more receipts (the &ldquo;DTC Receipt&rdquo;), which shall be deposited with DTC (or its designee) evidencing all such Depositary
Shares and registered in the name of the nominee of DTC (initially expected to be Cede&nbsp;&amp; Co.). The Depository or such other
entity as is agreed to by DTC may hold the DTC</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0pt">Receipt as custodian for DTC. Ownership of beneficial
interests in the DTC Receipt shall be shown on, and the transfer of such ownership shall be effected through, records maintained
by (i) DTC or its nominee for such DTC Receipt or (ii) institutions that have accounts with DTC. The DTC Receipt shall bear such
legend or legends as may be required by DTC in order for it to accept the Depositary Shares for its book-entry settlement system.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">If DTC subsequently ceases to make its book-entry
settlement system available for the Receipts, the Corporation may instruct the Depository regarding making other arrangements for
book-entry settlement. If the Receipts are not eligible for book-entry form, except as required by law, the Corporation&rsquo;s
Restated Charter (as amended and including the Articles) or its By-laws (as amended), the Depository shall provide written instructions
to DTC to deliver the DTC Receipt to the Depository for cancellation and the Corporation shall instruct the Depository to deliver
to the beneficial owners of the Depositary Shares previously evidenced by the DTC Receipt definitive Receipts in physical form
evidencing such Depositary Shares.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Except as required by law, the Corporation&rsquo;s
Restated Charter (as amended and including the Articles) or its By-laws (as amended), beneficial owners of Depositary Shares through
DTC will not be entitled to receive Receipts in physical, certificated form or have Depositary Shares registered in their name,
except as described below.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">The DTC Receipt shall be exchangeable for definitive
Receipts only if required by law, the Corporation&rsquo;s Restated Charter (as amended and including the Articles) or its By-laws
(as amended), or if (i) DTC notifies the Corporation at any time that it is unwilling or unable to continue to make its book-entry
settlement available for the Receipts and a successor to DTC is not appointed by the Corporation within 90 days of the date the
Corporation is so informed in writing, (ii) DTC notifies the Corporation at any time that it has ceased to be a clearing agency
registered under applicable law and a successor to DTC is not appointed within 90 days of the date the Corporation is so informed
in writing, or (iii) the Corporation in its sole discretion notifies the Depository in writing that the DTC Receipt shall be exchangeable
for definitive Receipts. If beneficial owners of interests in Depositary Shares are entitled to exchange such interests for definitive
Receipts as the result of an event described in clause (i), (ii) or (iii) of the preceding sentence (or if required by law, the
Corporation&rsquo;s Restated Charter (as amended and including the Articles) or its By-laws (as amended)), then without unnecessary
delay but in any event not later than the earliest date on which such beneficial interests may be so exchanged, upon receipt by
the Depository of the DTC Receipt for cancellation and any other necessary documentation, the Depository is hereby directed to
and shall execute and deliver to the beneficial owners of the Depositary Shares previously evidenced by the DTC Receipt definitive
Receipts in physical form evidencing such Depositary Shares and to make appropriate entries in the register with respect thereto.
Notwithstanding any other provision herein to the contrary delivery of Shares and other property in connection with the withdrawal
or redemption of Depositary Shares evidenced by a DTC Receipt will be made through DTC and in accordance with its procedures, unless
the holder of the relevant DTC Receipt otherwise requests and such request is reasonably acceptable to the Depository and the Corporation.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Receipts shall be in denominations of any number
of whole Depositary Shares. The Corporation shall deliver to the Depository from time to time such quantities of Receipts as the</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0pt">Depository may request to enable the Depository
to perform its obligations under this Agreement.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">The DTC Receipt and definitive Receipts, if any,
shall be substantially in the form set forth in <U>Exhibit A</U> of this Agreement and incorporated herein by reference, with appropriate
insertions, modifications and omissions, as hereinafter provided and shall be engraved or otherwise prepared so as to comply with
applicable rules of any securities exchange on which the Depositary Shares are then listed. In the case of any of the events described
above resulting in the issuance of definitive Receipts in exchange for the DTC Receipt, the Depository, pending preparation of
definitive Receipts and upon the written order of the Corporation, delivered in compliance with <U>Section 2.3</U> hereof, shall
execute and deliver temporary Receipts which may be 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 Corporation and the Depository will cause definitive Receipts to be prepared without unreasonable
delay. After the preparation of definitive Receipts, the temporary Receipts shall be exchangeable by the Holder for definitive
Receipts upon surrender of the temporary Receipts at an office described in the first paragraph of <U>Section 2.3</U> hereof, without
charge to the Holder. Upon surrender for cancellation of any one or more temporary Receipts, the Depository 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 Corporation&rsquo;s expense and without any charge therefor to the Holder
or the Depository. Until so exchanged, the temporary Receipts shall in all respects be entitled to the same benefits under this
Agreement as definitive Receipts.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Receipts shall be executed by the Depository
by the manual, facsimile or electronic signature of a duly authorized officer of the Depository;
provided that, if a Registrar for the Receipts (other than the Depository) shall have been appointed, such Receipts shall
also be countersigned by manual, facsimile or electronic signature of a duly authorized officer of such Registrar. No Receipt shall
be entitled to any benefits under this Agreement or be valid or obligatory for any purpose unless it shall have been executed as
described in the preceding sentence. The Registrar shall record on its books each Receipt so signed and delivered as hereinafter
provided. Receipts bearing the manual, facsimile or electronic signature of a duly authorized signatory of the Depository who was
at any time a proper and duly authorized signatory of the Depository shall bind the Depository, notwithstanding that such signatory
ceased to hold such office prior to the delivery of such Receipts or did not hold such office on the date of issuance of such receipts.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">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 Agreement all as may be reasonably
required by the Corporation 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 Receipts are subject.</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Title to Depositary Shares evidenced by a Receipt
which is properly endorsed, or accompanied by a duly 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 any particular Receipt shall be registered on the books of the Registrar as provided in <U>Section 2.4</U> hereof,
the Depository 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 payments, to
exercise any redemption or voting rights or to receive any notice provided for in this Agreement and for all other purposes.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 2.3 </FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Deposit
of Stock; Execution and Delivery of Receipts</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Subject to the terms and conditions of this Agreement,
the Corporation may from time to time deposit shares of Stock under this Agreement by delivery to the Depository, including via
electronic book-entry, for such shares of Stock to be deposited (or in such other manner as may be agreed to by the Corporation
and the Depository), properly endorsed or accompanied, if required by the Depository, by a duly executed instrument of transfer
or endorsement, in form satisfactory to the Depository, together with (i) all such certifications as may be required by the Depository
in accordance with the provisions of this Agreement, including the resolutions of the Board of Directors of the Corporation or
a committee of the Board of Directors, as certified by the Secretary or any Assistant Secretary of the Corporation on the date
thereof as being complete, accurate and in effect, relating to issuance and sale of the Stock, (ii) an opinion of counsel to the
Corporation addressed to the Depository containing opinions, or a letter of counsel to the Corporation authorizing reliance on
such counsel&rsquo;s opinions delivered to the underwriters named therein, relating to (A) the existence and good standing of the
Corporation, (B) the due authorization of the Depositary Shares and the status of the Depositary Shares as validly issued, fully
paid and non-assessable, and (C) the effectiveness of any registration statement under the Securities Act relating to the Depositary
Shares or whether exemption from such registration is applicable, and (iii) a written order of the Corporation, directing the Depository
to execute and deliver to, or upon the written order of, the person or persons stated in such order a Receipt or Receipts for the
number of Depositary Shares representing such deposited Stock. Shares of deposited Stock shall be held by the Depository in an
account to be established by the Depository at the Depository&rsquo;s Office, or at such other place or places as the Depository
shall determine. As Registrar and Transfer Agent for the deposited Stock, the Depository will reflect changes in the number of
shares of deposited Stock held by it by notation, book-entry or other appropriate method.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Upon receipt by the Depository of shares of Stock
deposited in accordance with the provisions of this <U>Section 2.3</U> hereof, together with the other documents required as above
specified, and upon registering the Stock on the books of the Corporation (or its duly appointed Transfer Agent) in the name of
the Depository or its nominee, the Depository, subject to the terms and conditions of this Agreement, shall execute and deliver
to, or upon the order of, the person or persons named in the written order delivered to the Depository referred to in the first
paragraph of this <U>Section 2.3</U>, 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 Depository shall
execute and deliver such Receipt or Receipts at the Depository&rsquo;s Office or such other offices, if any, as the Depository</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0pt">may designate. Delivery at other offices shall
be at the risk and expense of the person requesting such delivery.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 2.4 </FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Registration
of Transfer of Receipts</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Subject to the terms and conditions of this Agreement,
the Depositary, as Registrar and Transfer Agent for the Receipts, shall register on its books from time to time transfers of Receipts
upon any surrender thereof by the Holder in person or by a duly authorized attorney, properly endorsed or accompanied by a duly
executed instrument of transfer, including a guarantee of the signature thereon from an eligible guarantor institution participating
in a signature guarantee program pursuant to Rule 17Ad-15 under the Securities Exchange Act of 1934, as amended (the &ldquo;Signature
Guarantee&rdquo;), and any other evidence of authority as may be reasonably required by the Depository (or successor Registrar
or Transfer Agent). Thereupon, the Depository 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: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 2.5 </FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Split-ups
and Combinations of Receipts; Surrender of Receipts and Withdrawal of Stock</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Upon surrender of a Receipt or Receipts at the
Depository&rsquo;s Office or at such other offices as the Depository 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 Agreement, the Depository 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: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">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 Depositary Shares represented by the Receipts at the Depository&rsquo;s Office or at such other offices as the Depository may
designate for such withdrawals; provided, that a holder of a Receipt or Receipts
may not withdraw such Stock (or money, if any, represented thereby) which has previously been called for redemption. If such holder&rsquo;s
Depositary Shares are being held by DTC or its nominee, DTC shall be deemed the holder hereunder for all purposes. It shall be
the duty of the DTC participant or the beneficial owner to request DTC to withdraw from the book-entry system the number of Depositary
Shares specified above. Upon such surrender, upon payment of the fee of the Depositary for the surrender of Receipts to the extent
provided in <U>Section 5.7</U> and payment of all taxes and governmental charges in connection with such surrender and withdrawal
of Stock, and subject to the terms and conditions of this Agreement, the Depository 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, or Depositary Shares represented by such 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 Depository in connection with such
withdrawal shall evidence a number of Depositary Shares in excess of the number of</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0pt">Depositary Shares representing the number of whole
shares of Stock to be withdrawn, the Depository 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 <U>Section 2.4</U> hereof upon
his order, a new Receipt evidencing such excess number of Depositary Shares&#894; provided, however, that the Depository shall
not issue any Receipt evidencing a fractional Depositary Share.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Delivery of the Stock and money being withdrawn
may be made by the delivery of such certificates, documents of title and other instruments as the Depository may deem appropriate
(or in such other manner as may be agreed to by the Corporation and the Depository), which, if required by the Depository, shall
be properly endorsed or accompanied by proper instruments of transfer including, but not limited to, a Signature Guarantee.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">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 related Receipt or Receipts
being surrendered for withdrawal of such Stock, such Holder shall execute and deliver to the Depository a written order so directing
the Depository, and the Depository 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 duly executed instrument of transfer in blank.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Delivery of the Stock and the money and other
property, if any, represented by Receipts surrendered for withdrawal shall be made by the Depository at the Depository&rsquo;s
Office, except that, at the written request, sole risk and expense of the Holder surrendering such Receipt or Receipts and for
the account of the Holder thereof, such delivery may be made at such other place as may be designated by such Holder.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 2.6 </FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Limitations
on Execution and Delivery, Transfer, Surrender and Exchange of Receipts</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">As a condition precedent to the execution and
delivery, registration of transfer, split-up, combination, surrender or exchange of any Receipt, the Depository, any of the Depository&rsquo;s
Agents or the Corporation may require payment to it of a sum sufficient for the payment (or, in the event that the Depository or
the Corporation shall have made such payment, the reimbursement to it) of any charges or expenses payable by the Holder of a Receipt
pursuant to <U>Sections 3.2</U> and <U>5.7</U> hereof, may require the production of evidence satisfactory to it as to the identity
and genuineness of any signature, including a signature guarantee, and may also require compliance with such regulations, if any,
as the Depository or the Corporation may establish consistent with the provisions of this Agreement and applicable law and as may
be required by any securities exchange on which the Stock, the Depositary Shares or the Receipts may be listed.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">The deposit of the 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) during any period when the register of shareholders
of the Corporation is closed or (ii) if any such action is deemed necessary or advisable by the Depository, any of the Depository&rsquo;s
Agents or the Corporation 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 Agreement.</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 2.7 </FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Lost
Receipts, etc.</U></P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">If any Receipt is lost, stolen, mutilated or
destroyed, absent notice to the Corporation or the Depository that such certificates have been acquired by a protected purchaser,
the Corporation may, upon receipt by the Depository of an open penalty surety bond satisfactory to it and holding it and the Corporation
harmless, cause to be issued, in a form mutually agreed to by the Depository and the Corporation, a new Receipt of like denomination,
tenor and date as the Receipt so lost, stolen, mutilated or destroyed, and countersigned by the Depository. Any such new Receipt
shall constitute a substitute contractual obligation of the Corporation, whether or not the allegedly lost, stolen, mutilated or
destroyed Receipt shall be at any time enforceable by anyone. The Depository may, at its option, countersign replacement Receipts
for mutilated certificates upon presentation thereof without such indemnity.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 2.8 </FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Cancellation
and Destruction of Surrendered Receipts</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">All Receipts surrendered to the Depository or
any Depository&rsquo;s Agent shall be cancelled by the Depository. Except as prohibited by applicable law or regulation, the Depository
is authorized and directed to destroy all Receipts so cancelled.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 2.9 </FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Redemption
of Stock</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Whenever the Corporation shall be permitted and
shall elect to redeem shares of Stock in accordance with the terms of the Articles, it shall (unless otherwise agreed to in writing
with the Depository) give or cause to be given to the Depository, not less than 30 days and not more than 60 days prior to the
Redemption Date (as defined below), written notice of the date of such proposed redemption of Stock and of the number of such shares
held by the Depository to be so redeemed and the applicable redemption price, which notice shall be accompanied by a certificate
from the Corporation stating that such redemption of Stock is in accordance with the provisions of the Articles. On the Redemption
Date, provided that the Corporation shall then have paid or caused to be paid in full to the Depository the redemption price of
the Stock to be redeemed in accordance with the provisions of the Articles, the Depository shall redeem the number of Depositary
Shares representing such Stock. The Depository shall provide notice of the Corporation&rsquo;s redemption of Stock and the proposed
simultaneous redemption of the number of Depositary Shares representing the Stock to be redeemed by reasonably acceptable transmission
method, as determined by the Depository, not less than 30 days and not more than 60 days prior to the date fixed for redemption
of such Stock and Depositary Shares (the &ldquo;Redemption Date&rdquo;), to the Record Holders of the Receipts evidencing the Depositary
Shares to be so redeemed at their respective last addresses as they appear on the records of the Depository;
but neither failure to provide any notice of redemption of Depositary Shares to one or more Holders nor any defect in any
notice of redemption of Depositary Shares to one or more Holders shall affect the sufficiency of the proceedings for redemption
as to the other Holders. Each notice shall be prepared by the Corporation and shall state: (i) the Redemption Date;
(ii) the redemption price; (iii) if fewer than all Depositary Shares are
to be redeemed, the number of Depositary Shares to be redeemed; and (iv) the manner
in which holders of the Depositary Shares called for redemption may obtain payment of the redemption price in respect to those
Depositary Shares. In case less than all the outstanding Depositary Shares are to be redeemed, the Depositary Shares to be so redeemed
shall be selected in accordance with the Articles.</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Notice having been provided by the Depository
as aforesaid, from and after the Redemption Date (unless the Corporation shall have failed to provide the funds necessary to redeem
the Stock evidenced by the Depositary Shares called for redemption) (i) dividends on the shares of Stock so called for Redemption
shall cease to accumulate from and after such date, (ii) the Depositary Shares being redeemed from such proceeds shall be deemed
no longer to be outstanding, (iii) 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) upon surrender in accordance
with such redemption notice of the Receipts evidencing any such Depositary Shares called for redemption (properly endorsed or assigned
for transfer, if the Depository or applicable law shall so require), such Depositary Shares shall be redeemed by the Depositary
at a redemption price per Depositary Share equal to 1/400<FONT STYLE="font-size: 6.5pt">th </FONT>of the redemption price per share
of Stock so redeemed plus all money represented by such Depositary Shares, including, if required by the provisions of the Articles,
all amounts paid by the Corporation in respect of dividends which on the Redemption Date have been declared on the shares of Stock
to be so redeemed and have not theretofore been paid.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">If fewer than all of the Depositary Shares evidenced
by a Receipt are called for redemption, the Depository will deliver to the Holder of such Receipt upon its surrender to the Depository,
together with payment of the redemption price for any and all other amounts payable in respect of the Depositary Shares called
for redemption, a new Receipt evidencing the Depositary Shares evidenced by such prior Receipt and not called for redemption;
provided, however, that the Depository shall not issue any Receipt evidencing a fractional Depositary Share and cash will
be payable in respect of fractional interests.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">The Corporation shall be entitled to receive,
from time to time, from the Depositary any interest accrued on such funds deposited with the Depository, 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 Depository to the Corporation.</P>

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

<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0; text-transform: uppercase; text-align: center; text-indent: 0pt">Article
III<BR>
CERTAIN OBLIGATIONS OF HOLDERS OF RECEIPTS AND THE CORPORATION</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 3.1 </FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Filing
Proofs&#894; Certificates and Other Information</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Any Holder of a Receipt may be required from
time to time to file proof of residence, or other matters or other information, to execute certificates and to make such representations
and warranties as the Depository or the Corporation may reasonably deem necessary or proper. The Depository or the Corporation
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 and evidenced by a 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: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 3.2 </FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Payment
of Taxes or Other Governmental Charges</U>.</P>


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Holders of Receipts shall be obligated to make
payments to the Depository of certain charges and expenses, as provided in <U>Section 5.7</U> hereof. 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, interest payments or other distributions
may be withheld or any part of or all the Stock or other property, if any, represented by the Depositary Shares evidenced by such
Receipt and not 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, interest payments or other distributions 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: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 3.3 </FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Warranty
as to Stock</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">The Corporation 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 the related Receipts.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 3.4 </FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Warranty
as to Receipts</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">The Corporation hereby represents and warrants
that the Receipts, when issued, will represent legal and valid interests in the Depositary Shares, and each Depositary Share will
represent one 1/400<FONT STYLE="font-size: 6.5pt">th </FONT>interest in a share of deposited Stock. Such representation and warranty
shall survive the deposit of the Stock and the issuance of the Receipts.</P>

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

<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0; text-transform: uppercase; text-align: center; text-indent: 0pt">Article
IV<BR>
THE DEPOSITED SECURITIES&#894; NOTICES</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 4.1 </FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Cash
Distributions</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Whenever the Depositary, as distribution agent,
shall receive any cash dividend or other cash distribution on the Stock, the Depository shall, subject to <U>Sections 3.1</U> and
<U>3.2</U> hereof, distribute to Record Holders of Receipts on the record date fixed pursuant to <U>Section 4.4</U> hereof 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<FONT STYLE="font: 9pt Garamond,serif">; </FONT>provided, however, that in
case the Corporation or the Depository 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, or as otherwise required by law, regulation or court process,
the amount made available for distribution or distributed in respect of Depositary Shares shall be reduced accordingly. In the
event that the calculation of any such cash dividend or other cash distribution to be paid to any Record Holder on the aggregate
number of Depositary Shares held by such Record Holder results in an amount that is a fraction of a cent and that fraction of a
cent is equal to or greater than $0.005, the amount the Depository shall distribute to such Record Holder shall be rounded up to
the next highest whole cent<FONT STYLE="font: 9pt Garamond,serif">; </FONT>otherwise, such fractional amount shall be disregarded
by the Depository and shall be added to and be treated as part of the next succeeding distribution.</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Each Holder of a Receipt shall provide the Depository
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 Depository of a portion
of any of the distributions to be made hereunder.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 4.2 </FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Distributions
Other than Cash, Rights, Preferences or Privileges</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Whenever the Depository shall receive any distribution
other than cash, rights, preferences or privileges upon the Stock, the Depository shall, subject to <U>Sections 3.1</U> and <U>3.2</U>
hereof, distribute to Record Holders of Receipts on the record date fixed pursuant to <U>Section 4.4</U> hereof such amounts of
the securities or property received by it as are, as nearly as practicable, in proportion to the respective numbers of Depositary
Shares evidenced by such Receipts held by such Holders, in any manner that the Depository may deem equitable and practicable for
accomplishing such distribution. If in the opinion of the Depository such distribution cannot be made proportionately among such
Record Holders, or if for any other reason (including any requirement that the Corporation or the Depository withhold an amount
on account of taxes or governmental charges) the Depository deems, after consultation with the Corporation, such distribution not
to be feasible, the Depository may, with the approval of the Corporation, 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 <U>Sections
3.1</U> and <U>3.2</U> hereof, be distributed or made available for distribution, as the case may be, by the Depository to Record
Holders of Receipts as provided by <U>Section 4.1</U> hereof in the case of a distribution received in cash. The Corporation shall
not make any distribution of securities to the Depository, and the Depository shall not make any distribution of such securities
or property to the Holders of Receipts, unless the Corporation 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 distributions.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 4.3 </FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Subscription
Rights, Preferences or Privileges</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">If the Corporation shall at any time offer or
cause to be offered to the persons in whose names the deposited Stock is recorded on the books of the Corporation 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 communicated to the Depository and thereafter made available by
the Depository to the Record Holders of Receipts in such manner as the Depository (in consultation with the Corporation) may determine,
either by the issue to such Record Holders of warrants representing such rights, preferences or privileges or by such other method
as may be approved by the Depository in its discretion with the approval of the Corporation;
provided, however, that (i) if at the time of issue or offer of any such rights, preferences or privileges the Depository
or the Corporation determines that it is not lawful or (after consultation with the Corporation) not feasible to make such rights,
preferences or privileges available to Holders of Receipts by the issue of warrants or otherwise, or (ii) if and to the extent
so instructed by Holders of Receipts who do not desire to exercise such rights, preferences or privileges, then the Depository,
in its discretion (with</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0pt">approval of the Corporation, in any case where
the Depository 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 <U>Sections 3.</U>1 and <U>3.2</U> hereof, be distributed by the Depository to the Record Holders of Receipts
entitled thereto as provided by <U>Section 4.1</U> hereof in the case of a distribution received in cash.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">The Corporation shall promptly notify the Depository
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
the Corporation agrees with the Depository that it will file promptly a registration statement pursuant to the Securities Act with
respect to such rights, preferences or privileges and securities and use its best efforts and take all steps available to it to
cause such registration statement to become 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 Depository 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 statement shall have become effective, or the Corporation shall have provided to the Depository an opinion of counsel
(which may be in-house counsel) to the effect that the offering and sale of such securities to the Holders are exempt from registration
under the provisions of the Securities Act.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">The Corporation shall promptly notify the Depository
whether any other action under the laws of any jurisdiction or any governmental or administrative authorization, consent or permit
is required in order for such rights, preferences or privileges to be made available to Holders of Receipts, and the Corporation
agrees with the Depository that the Corporation will use its reasonable best efforts to take such action or obtain such authorization,
consent or permit 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: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 4.4 </FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Notice
of Dividends, etc.; Fixing Record Date for Holders of Receipts</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">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 the Stock, or whenever the Depository shall receive notice of (A) any meeting at which holders of the
Stock are entitled to vote or of which holders of the Stock are entitled to notice or (B) any election on the part of the Corporation
to redeem any such Stock, or whenever the Depository and the Corporation shall decide it is appropriate, the Depository shall in
each such instance fix a record date (which shall be the same date as the record date fixed by the Corporation 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 whose Depositary
Shares are to be so redeemed or for any other appropriate reasons.</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 4.5 </FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Voting
Rights</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Subject to the provisions of the Articles, upon
receipt of notice of any meeting at which the holders of the Stock are entitled to vote, the Depository shall, as soon as practicable
thereafter, provide to the Record Holders of Receipts, determined on the record date as set forth in <U>Section 4.4</U> hereof,
a notice prepared by the Corporation which shall contain (i) such information as is contained in such notice of meeting and (ii)
a statement that the Holders may, subject to any applicable restrictions, instruct the Depository 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 Depository to give a discretionary proxy to a person designated by the Corporation) 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 Depository 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 Corporation hereby agrees to take all reasonable
action which may be deemed necessary by the Depository in order to enable the Depository to vote such Stock or cause such Stock
to be voted. In the absence of specific instructions from Holders of Receipts, the Depository will not vote (but at its discretion,
may appear at any meeting with respect to such Stock unless directed otherwise by the Holders of all the Receipts) to the extent
of the Stock represented by the Depositary Shares evidenced by the Receipts of such Holders.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 4.6 </FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Changes
Affecting Deposited Securities and Reclassifications, Recapitalizations, etc.</U></P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Upon any change in par or stated value, split-up,
combination or any other reclassification of the Stock, subject to the provisions of the Articles, or upon any recapitalization,
reorganization, merger or consolidation affecting the Corporation or to which it is a party, the Depository may in its discretion
with the approval of, and shall upon the instructions of, the Corporation, and (in either case) in such manner as the Depository
may deem equitable, (i) make such adjustments as are certified by the Corporation in the fraction of an interest represented by
one Depositary Share in one share of Stock and in the ratio of the redemption price per Depositary Share to the redemption price
per share of Stock, in each case as may be necessary fully to reflect the effects of such change in par or stated value, split-up,
combination or other reclassification of the Stock, or of such recapitalization, reorganization, merger or consolidation and (ii)
treat any securities which shall be received by the Depository 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 Corporation
may in its discretion direct the Depository to 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 or consolidation
to surrender such Receipts to the Depository 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</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0pt">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. The Corporation shall cause reflective provisions to be included in the charter or equivalent
organizational document of the resulting or surviving entity (if other than the Corporation) for the protection of such rights
as may be applicable upon the exchange of the deposited Stock for securities or property or cash of the resulting or surviving
entity in connection with the transactions set forth above. The Corporation shall cause any such surviving entity (if other than
the Corporation) to expressly assume the obligations of the Corporation hereunder or to enter into a deposit agreement in form
and substance providing for substantially the same rights and protection for the Holders.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 4.7 </FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Delivery
of Reports</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">The Depository shall furnish to Holders of Receipts
any reports and communications received from the Corporation which are received by the Depository, as the holder of the Stock,
and which the Corporation is required to furnish to the holders of the Stock.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 4.8 </FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Lists
of Receipt Holders</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Reasonably promptly upon request from time to
time by the Corporation, at the sole expense of the Corporation, the Depository shall furnish to it a list, as of the most recent
practicable date, of the names, addresses and holdings of Depositary Shares of all registered Holders of Receipts.</P>

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

<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0; text-transform: uppercase; text-align: center; text-indent: 0pt">Article
V<BR>
THE DEPOSITORY, THE DEPOSITORY&rsquo;S AGENTS, THE REGISTRAR AND THE CORPORATION</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 5.1 </FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Maintenance
of Offices, Agencies and Transfer Books by the Depository; Registrar;
Depository&rsquo;s Agents</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Upon execution of this Agreement, the Depository
shall maintain at the Depository&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 Depository&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 Agreement;
provided that, to the extent provisions of this Agreement regarding transfer or registration functions performed by the
Depository conflict with the terms of any transfer agency agreement between the Corporation and the Depository, the terms of such
transfer agency agreement shall control.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">The Registrar shall keep books at the Depository&rsquo;s
Office for the registration and transfer of Receipts. Upon direction by the Corporation and with reasonable notice to the Registrar,
the Depository shall open its books for inspection by the Record Holders of Receipts as directed by the Corporation;
provided that any Holder shall be granted such right by the Corporation only after certifying 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>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">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 Depository
will appoint a registrar (acceptable to the Corporation) for registration of the Receipts or Depositary Shares in accordance with
any requirements of such exchange. Such registrar (which may be the Trust Company if so permitted by the requirements of any such
exchange) may be removed and a substitute registrar appointed by the Depository upon the request or with the approval of the Corporation.
If the Receipts, Depositary Shares or Stock are listed on one or more other securities exchanges, the Registrar will, at the request
of the Corporation, arrange such facilities for the delivery, registration, registration of transfer, surrender and exchange of
the Receipts, Depositary Shares or Stock as may be required by law or applicable securities exchange regulation.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">The Depository may from time to time appoint
Depository&rsquo;s Agents to act in any respect for the Depository for the purposes of this Agreement and may from time to time
appoint additional Depository&rsquo;s Agents and vary or terminate the appointment of such Depository&rsquo;s Agents, provided
that the Depository will notify the Corporation of any such appointment or variation or termination of such appointment.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 5.2 </FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Prevention
of or Delay in Performance by the Depository, the Depository&rsquo;s Agents, the Registrar or the Corporation</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">None of the Depository, any Depository&rsquo;s
Agent, any Registrar or the Corporation shall incur any liability to any Holder of a 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 Depository, the Depository&rsquo;s Agent or the Registrar, by reason of any provision, present or future, of the
Corporation&rsquo;s Restated Charter (as amended and including the Articles) or by reason of any act of God or war or other circumstance
beyond the control of the relevant party, the Depository, the Depository&rsquo;s Agent, the Registrar or the Corporation shall
be prevented, delayed or forbidden from, or subjected to any penalty on account of, doing or performing any act or thing which
the terms of this Agreement provide shall be done or performed. Nor shall the Depository, any Depository&rsquo;s Agent, any Registrar
or the Corporation incur liability to any Holder of a Receipt (i) by reason of any nonperformance or delay, caused as aforesaid,
in the performance of any act or thing which the terms of this Agreement shall provide shall or may be done or performed, or (ii)
by reason of any exercise of, or failure to exercise, any discretion provided for in this Agreement except, in case of any such
exercise or failure to exercise discretion not caused as aforesaid, if caused by the gross negligence, willful misconduct or bad
faith (each as determined by a final judgment of a court of competent jurisdiction) of the party charged with such exercise or
failure to exercise, or as otherwise explicitly set forth in this Agreement.</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 5.3 </FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Obligations
of the Depository, the Depository&rsquo;s Agents, the Registrar and the Corporation</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Whenever in the performance of its duties under
this Agreement the Depository shall deem it necessary or desirable that any fact or matter be proved or established by the Corporation
prior to taking or suffering any action hereunder, such fact or matter (unless other evidence in respect thereof be herein specifically
prescribed) may be deemed to be conclusively proved and established by a statement signed by the Chairman of the Board, the President,
Chief Executive Officer, the Senior Executive Vice President, Chief Financial Officer, or the Corporate Secretary of the Corporation
and delivered to the Depository. The Depository may rely upon, and be held harmless for such reliance, upon such statement for
any action taken or suffered by it pursuant to the provisions of this Agreement and shall not be held liable in connection with
any delay in receiving such statement.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">The Depository, any Depository&rsquo;s Agent
and any Registrar shall not be obligated to expend or risk its own funds or to take any action that it believes would expose or
subject it to expense or liability or to a risk of incurring expense or liability, unless it has been furnished with assurances
of repayment or indemnity satisfactory to it.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">The Depository shall not be accountable or under
any duty or responsibility for the use by the Corporation of any Receipts authenticated by the Depository and delivered by it to
the Corporation pursuant to this Agreement or for the application by the Corporation of the proceeds of the issue and sale, or
exercise, of the Receipts.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">The Depository shall not have any duty or responsibility
in the case of the receipt of any written demand from any Holder with respect to any action or default by the Corporation, including,
without limiting the generality of the foregoing, any duty or responsibility to initiate or attempt to initiate any proceedings
at law or otherwise or to make any demand upon the Corporation.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">None of the Depository, any Depository&rsquo;s
Agent, any Registrar or the Corporation shall be liable for any action or any failure to act by it in reliance upon the written
advice of legal counsel (including legal counsel for the Corporation) or accountants, or information from any person presenting
Stock for deposit, any Holder of a Receipt or any other person. Such advice shall be full and complete authorization, protection
to, and indemnification by the Corporation of, the Depository, the Depository&rsquo;s Agent, any Registrar and subcontractors as
to any action taken or omitted by it in accordance with such advice, believed (in the absence of gross negligence, willful misconduct
or bad faith, each as determined by a final judgment of a court of competent jurisdiction) by such parties to be genuine and to
have been signed or presented by the proper party or parties.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">The Depository 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 inaction does not result from fraud, gross negligence, willful misconduct or bad faith (each as determined
by a final judgment of a court of competent jurisdiction). The Depository undertakes, and any Registrar shall be required to undertake,
to perform such duties and only such duties as are expressly set forth in this Agreement, and no implied covenants or obligations</P>

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    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0pt">shall be read into this Agreement against the
Depository or any Registrar. The Depository shall act hereunder solely as agent for the Corporation and shall not assume any obligations
or relationship of agency or trust with any of the Holders.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">The Depository may execute and exercise any of
the rights or powers hereby vested in it or perform any duty hereunder either itself or by or through its attorney or agents, and
the Depository shall not be answerable or accountable for any act, default, neglect or misconduct of any such attorney or agents
or for any loss to the Corporation resulting from any such act, default, neglect or misconduct, absent gross negligence, bad faith
or willful misconduct (each as determined by a final judgment of a court of competent jurisdiction) in the selection and continued
employment thereof.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">From time to time, the Corporation may provide
the Depository with instructions concerning the services performed by the Depository hereunder. In addition, at any time the Depository
may apply to any officer of the Corporation for instructions. The Depository may rely on and shall be held harmless and protected
and shall incur no liability for or in respect of any action taken, suffered or omitted to be taken by it in reliance upon any
certificate, statement, instrument, opinion, notice, letter, facsimile transmission, telegram or other document, or any security
delivered to it, and believed by it to be genuine and to have been made or signed by the proper party or parties, or upon any written
or oral instructions or statements from the Corporation with respect to any matter relating to its acting as Depository hereunder.
The Depository shall not be held to have notice of any change of authority of any person, until receipt of written notice thereof
from the Corporation.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">The Depository, its parent, affiliates or subsidiaries,
the Depository&rsquo;s Agents, the Registrar, and each of their equity holders, directors, officers or employees may own, buy,
sell and deal in any class of securities of the Corporation and its affiliates and in Receipts or Depositary Shares or become pecuniarily
interested in any transaction in which the Corporation or its affiliates may be interested or contract with or lend money to any
such person or otherwise act as fully or as freely as if it were not the Depository, the parent, affiliate or subsidiary or the
Depository&rsquo;s Agent or the Registrar hereunder. The Depository may also act as trustee, transfer agent or registrar of any
of the securities of the Corporation and its affiliates. Nothing herein shall preclude the Depository from acting in any other
capacity for the Corporation or for any other legal entity.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">None of the Depository (or its officers, directors,
employees or agents), any Depository&rsquo;s Agent or the Registrar makes any representation or has any responsibility as to the
validity of the registration statement pursuant to which the Depositary Shares are registered under the Securities Act, the Stock,
the Depositary Shares or the Receipts (except for its counter-signatures thereon) or any instruments referred to therein or herein,
or as to the correctness of any statement made therein or herein and the Depository shall not be liable for or by reason of any
of the statements of fact or recitals contained in this Agreement or in the Receipts (except its countersignature hereof and thereof)
or be required to verify the same, and all such statements and recitals are and shall be deemed to have been made by the Corporation
only; provided that the Depositary is responsible for any and all of its representations in this Agreement.</P>

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    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">The Depository shall have no responsibility for
any breach by the Corporation of any covenant or condition contained in this Agreement or in any Receipt; nor shall it be responsible
to make any calculations or adjustments (or confirm or verify the accuracy or correctness of any such calculations or adjustments)
required under any provisions of the Receipts or this Agreement; nor shall it be responsible for the manner, method or amount of
any such calculations or adjustments or the ascertaining of the existence of facts that would require any such calculations or
adjustments; nor shall it by any act hereunder be deemed to make any representation or warranty as to the authorization or reservation
of any shares of Stock to be issued pursuant to this Agreement or any Receipt or as to whether any shares of Stock will when issued
be valid and fully paid and nonassessable.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">The Depository assumes no responsibility for
the correctness of the description that appears in the Receipts. Notwithstanding any other provision herein or in the Receipts,
the Depository makes no warranties or representations as to the validity or genuineness of any Stock at any time deposited with
the Depository hereunder or of the Depositary Shares, as to the validity or sufficiency of this Agreement, as to the value of the
Depositary Shares or as to any right, title or interest of the record holders of Receipts in and to the Depositary Shares. The
Depository shall not be accountable for the use or application by the Corporation of the Depositary Shares or the Receipts or the
proceeds thereof.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">The Depository may rely on and be fully authorized
and protected in acting or failing to act upon (i) any guaranty of signature by an &ldquo;eligible guarantor institution&rdquo;
that is a member or participant in the Securities Transfer Agents Medallion Program or other comparable &ldquo;signature guarantee
program&rdquo; or insurance program in addition to, or in substitution for, the foregoing;
or (ii) any law, act, regulation or any interpretation of the same even though such law, act, or regulation may thereafter
have been altered, changed, amended or repealed.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Notwithstanding anything to the contrary herein,
no party to this Agreement shall be liable for any incidental, indirect, punitive, special or consequential damages of any nature
whatsoever, including, but not limited to, loss of anticipated profits, arising under any provision of this Agreement or out of
any act or failure to act even if apprised of the possibility of such damages.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">The Depository 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 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 Depository shall not be responsible for advancing funds on behalf of the Corporation 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: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">In the event the Depository believes any ambiguity
or uncertainty exists hereunder or in any notice, instruction, direction, request or other communication, paper or document received
by the Depository hereunder, or in the administration of any of the provisions of this Agreement, the Depository 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 Depository may, in its sole discretion upon written notice to the Corporation, refrain from taking any action and shall be
fully protected and shall not be liable in any way to the Corporation, any Holders of</P>

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    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0pt">Receipts or any other person or entity for refraining
from taking such action, unless the Depository receives written instructions or a certificate signed by the Corporation which eliminates
such ambiguity or uncertainty to the satisfaction of the Depository or which proves or establishes the applicable matter to the
satisfaction of the Depository.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">The Depository undertakes not to issue any Receipt
other than to evidence the Depositary Shares representing interests in the shares of Stock that have been delivered to and are
then on deposit with the Depository.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">The Depository also undertakes not to sell, except
as provided herein, pledge or lend Depositary Shares or any shares of deposited Stock by it as Depository.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">The Depository shall not be held to have notice
of any change of authority of any person, until receipt of written notice thereof from the Corporation. The obligations of the
Corporation and the rights of the Depository set forth in this Section 5.3 shall survive the termination of this Agreement, the
resignation, removal of the Depository, and any succession of any Depository, Registrar or Depository&rsquo;s Agent.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 5.4 </FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Resignation
and Removal of the Depository&#894; Appointment of Successor Depository</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">The Depository may at any time resign as Depository
hereunder by delivering notice (pursuant to the notice provisions contained in <U>Section 7.4</U>) of its election to do so to
the Corporation upon 30 days&rsquo; notice of such resignation. The Depository may at any time be removed by the Corporation by
30 days&rsquo; written notice of such removal delivered to the Depository.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">In case at any time the Depository acting hereunder
shall resign or be removed, the Corporation shall, within 30 days after the delivery of the notice of resignation or removal, as
the case may be, appoint a successor Depository, which shall be authorized under applicable laws to exercise the powers of a transfer
agent and subject to supervision or examination by federal or state authorities having its principal office in the United States
of America and (together with its affiliates) having a combined capital and surplus of at least $50,000,000. If no successor Depository
shall have been so appointed and have accepted appointment within 30 days after delivery of such notice, a Holder may petition
any court of competent jurisdiction for the appointment of a successor Depository. Every successor Depository shall execute and
deliver to its predecessor and to the Corporation an instrument in writing accepting its appointment hereunder, and thereupon such
successor Depository, 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 Depository under this Agreement, and such predecessor, upon payment of all
sums due it and on the written request of the Corporation, 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 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 successor Depository
shall promptly provide notice of its appointment to the Record Holders of Receipts.</P>

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    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Any entity into or with which the Depository
may be merged, consolidated or converted, or any person to which all or a substantial part of the assets of the Depository may
be transferred or which succeeds to the shareholder services business of the Depository shall be the successor of the Depository
without the execution or filing of any document or any further act, and notice thereof shall not be required hereunder. Such successor
Depository may authenticate the Receipts in the name of the predecessor Depository or its own name as successor Depository.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 5.5 </FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Corporate
Notices and Reports</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">The Corporation agrees that it will deliver to
the Depository, and the Depository will, as soon as practicable, after receipt thereof, transmit to the Record Holders of Receipts,
in each case at the addresses recorded in the Depository&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 Corporation&rsquo;s Restated Charter (as amended and including the Articles), to be furnished
to the Record Holders of Receipts. Such transmission will be at the Corporation&rsquo;s expense and the Corporation will provide
the Depository with such number of copies of such documents as the Depository may request. In addition, the Depository will transmit
to the Record Holders of Receipts at the Corporation&rsquo;s expense, including applicable fees, such other documents as may be
requested by the Corporation.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 5.6 </FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Indemnification
by the Corporation</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">The Corporation shall indemnify the Depository, any Depository&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) may
be paid, incurred or suffered by or to which it may become subject, arising from or out of, directly or indirectly, any claims
or liability resulting from acts performed, suffered or omitted to be taken in connection with this Agreement and the Receipts
by the Depository, any Registrar or any of their respective agents (including any Depository&rsquo;s Agent) and any transactions
or documents contemplated hereby, except for any liability arising out of gross negligence, willful misconduct or bad faith (each
as determined by a final judgment of a court of competent jurisdiction) on the respective parts of any such person or persons.
The costs and expenses incurred by the Depository in enforcing this right of indemnification shall be paid by the Corporation.
The obligations of the Corporation and the rights of the Depository set forth in this <U>Section 5.6</U> shall survive the termination
of this Agreement and any succession of any Depository, Registrar or Depository&rsquo;s 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"><FONT STYLE="color: #010000">Section 5.7 </FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Fees,
Charges and Expenses</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">The Corporation agrees promptly to pay the Depository
the compensation to be agreed upon with the Corporation for all services rendered by the Depository hereunder and to reimburse
the Depository for its reasonable out-of-pocket expenses (including reasonable counsel fees and expenses) incurred by the Depository
without gross negligence, willful misconduct or bad faith (each as determined by a final judgment of a court of competent jurisdiction)
on its part (or on the part of any agent or Depository&rsquo;s Agent) in connection with the services rendered by it (or such agent
or Depository&rsquo;s Agent) hereunder. The Corporation shall</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0pt">pay all charges of the Depository in connection
with the initial deposit of the Stock and the initial issuance of the Depositary Shares and any redemption or exchange of the Stock
at the option of the Corporation. The Corporation shall pay all transfer and other taxes and governmental charges arising solely
from the existence of the depository 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 Depository incurs
charges or expenses for which the Corporation is not otherwise liable hereunder, such Holder will be liable for such charges and
expenses&#894; provided, however, that the Depository may, at its sole option, request that the Corporation direct a Holder of
a Receipt to prepay the Depository any charge or expense the Depository has been asked to incur at the request of such Holder of
Receipts. The Depository shall present its statement for charges and expenses to the Corporation at such intervals as the Corporation
and the Depository may agree. The Depository shall not register any transfer or issue or deliver any Receipt(s) or Depositary Shares
unless or until the persons requesting the registration or issuance shall have paid to the Depository for the account of the Corporation
the amount of such tax, if any, or shall have established to the reasonable satisfaction of the Corporation and the Depository
that such tax, if any, has been paid.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 5.8 </FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Tax
Compliance</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">The Depository on its own behalf and on behalf
of the Corporation, will comply with all applicable certification, information reporting and withholding (including &ldquo;backup&rdquo;
withholding) requirements imposed by applicable tax laws, regulations or administrative practice with respect to (i) any payments
made with respect to the Depositary Shares or (ii) the issuance, delivery, holding, transfer, redemption or exercise of rights
under the Depositary Receipts or the Depositary Shares. Such compliance shall include, without limitation, the preparation and
timely filing of required returns and the timely payment of all amounts required to be withheld to the appropriate taxing authority
or its designated agent.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">The Depository shall comply with any written
instructions received from the Corporation with respect to the application of such requirements to particular payments or Holders,
and may for purposes of this Agreement rely on any such instructions in accordance with the provisions of <U>Section 5.3</U> hereof.
The Depository shall have no duties, responsibilities or obligations to take any action under this paragraph without clear and
precise instructions from the Corporation.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">The Depository shall maintain all appropriate
records documenting compliance with such requirements, and shall make such records available on reasonable request to the Corporation
or to its authorized representatives.</P>

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

<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0; text-transform: uppercase; text-align: center; text-indent: 0pt">Article
VI<BR>
AMENDMENT AND TERMINATION</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 6.1 </FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Amendment</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">The form of the Receipts and any provisions of
this Agreement may at any time and from time to time be amended by agreement between the Corporation and the Depository without
the consent of Holders of Receipts in any respect which they may deem necessary or desirable&#894; provided, however, that no such
amendment (other than a change in fees) which shall materially</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0pt">and adversely alter the rights of the Holders
of Receipts shall be effective unless such amendment shall have been approved by the Holders of Receipts evidencing at least a
majority 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 this Agreement.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Notwithstanding the foregoing, in no event shall
the Corporation be required to execute any amendment which may impair the right, subject to the provisions of <U>Sections 2.6</U>
and <U>2.7</U> and Article III, of any owner of Depositary Shares to surrender any Receipt evidencing such Depositary Shares to
the Depository 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. As a condition precedent to the Depository&rsquo;s execution of any amendment,
the Corporation shall deliver to the Depository a certificate from a duly authorized officer of the Corporation that states that
the proposed amendment is in compliance with the terms of this <U>Section 6.1</U>, provided that, if, under the foregoing paragraph,
such amendment would require approval of at least a majority of Holders of Receipts to be effective, such Holders shall be deemed
to have consented and agreed to such amendment for purposes of the statement in such certificate that such amendment is in compliance
with the terms of this <U>Section 6</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 6.2 </FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Termination</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Without limiting the provisions contained in
<U>Section 5.4</U>, this Agreement may be terminated by the Corporation or the Depository only if (i) all outstanding Depositary
Shares issued hereunder have been redeemed pursuant to <U>Section 2.9</U> hereof, or (ii) there shall have been made a final distribution
in respect of the Stock in connection with any liquidation, dissolution or winding up of the Corporation and such distribution
shall have been distributed to the Holders of Receipts representing Depositary Shares pursuant to <U>Section 4.1</U> or <U>4.2</U>
hereof, as applicable.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Upon the termination of this Agreement, the Corporation
shall be discharged from all obligations under this Agreement except for its obligations to the Depository, any Depository&rsquo;s
Agent and any Registrar under <U>Sections 5.3</U>, <U>5.6</U> and <U>5.7</U>.</P>

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

<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0; text-transform: uppercase; text-align: center; text-indent: 0pt">Article
VII<BR>
MISCELLANEOUS</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 7.1 </FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Counterparts</U>.</P>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 7.2 </FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Exclusive
Benefit of Parties</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 7.3 </FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Invalidity
of Provisions</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">In case any one or more of the provisions contained
in this 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>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 7.4 </FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Notices</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Any and all notices to be given to the Corporation
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, postage prepaid, or recognized next day courier service, or by facsimile transmission or electronic mail (upon confirmation
by letter otherwise delivered hereunder), addressed to the Corporation at:</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 18pt">First Horizon National Corporation</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 18pt">165 Madison Avenue, 12th Floor</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 18pt">Memphis, TN 38103</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 18pt">Attn: Janet E. Denkler</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 18pt">Email: jedenkler@firsthorizon.com</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 18pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">or at any other addresses of which the Corporation shall have notified
the Depository in writing.</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">Any and all notices to be given to the Depository
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, postage prepaid, or recognized next day courier service, or by facsimile transmission or electronic mail (upon confirmation
by letter otherwise delivered hereunder), addressed to the Depository at the Depository&rsquo;s Office at:</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 18pt">Equiniti Trust Company</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 18pt">1110 Centre Pointe Curve, Suite 101</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 18pt">Mendota Heights, MN 55120</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 18pt">Attention: John Lundberg</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 18pt">Email: john.lundberg@equiniti.com</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 18pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">or at any other address of which the Depository shall have notified
the Corporation in writing.</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 Depository shall give any and all notices
directed to be given by the Corporation to any Record Holder of a Receipt in writing, which notices shall be deemed to have been
duly given if personally delivered or sent by mail or electronic transmission or confirmed by letter, addressed to such Record
Holder at the address of such Record Holder as it appears on the books of the Depository. Any written notices given to any record
holder of a DTC Receipt shall be deemed to have been duly given if transmitted through the facilities of DTC in accordance with
DTC&rsquo;s procedures.</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Delivery of a notice sent by mail, facsimile
or electronic transmission shall be deemed to be effected (i) in the case of mail, at the time when a duly addressed letter containing
the same is deposited, postage prepaid, in a post office letter box, (ii) in the case of a recognized next-day courier service,
the next business day after delivery to the courier service (iii) in the case of facsimile, upon receipt of a confirmation of delivery
on a business day during normal business hours and (iv) in the case of electronic mail, the receipt of the electronic mail on a
business day during normal business hours. The Depository or the Corporation may, however, act upon any facsimile transmission
received by it from the other, notwithstanding that such facsimile transmission shall not subsequently be confirmed by letter or
as aforesaid.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Delivery of a notice by the Corporation to the
Depository or by the Depository by the Corporation 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, and (iii) in the case of facsimile,
upon receipt of a confirmation of delivery on a business day during normal business hours.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 7.5 </FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Appointment
of Registrar and Transfer Agent, Dividend Disbursing Agent and Redemption Agent</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">The Corporation 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 as Transfer Agent, Registrar,
dividend disbursing agent and redemption agent in respect of the Stock, each of the Corporation and Equiniti Trust Company, in
their respective capacities under such appointments, shall be entitled to the same rights, indemnities, immunities and benefits
as the Corporation and Depository hereunder, respectively, as if explicitly named in each such provision.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 7.6 </FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Holders
of Receipts Are Parties</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">The Holders of Receipts from time to time shall
be parties to this Agreement and shall be bound by all of the terms and conditions hereof and of the Receipts. The provisions of
this Agreement are intended to benefit only the parties hereto and their respective permitted successors and assigns, and no rights
shall be granted to any other person by virtue of this Agreement.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 7.7 </FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Governing
Law</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">This Agreement and the Receipts of each series
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: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">The parties hereunder hereby agree that any action,
proceeding or claim against it arising out of or relating in any way to this Agreement shall be brought and enforced in the courts
of the State of New York or the United States District Court for the Southern District of New York, and irrevocably submits to
such jurisdiction, which jurisdiction shall be exclusive. The parties hereunder hereby waive any objection to such exclusive jurisdiction
and that such courts represent an inconvenient forum. Any such process or summons to be served upon either party</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0pt">may be served by transmitting a copy thereof by
registered or certified mail, return receipt requested, postage prepaid, addressed to it at the address set forth in <U>Section
7.4</U> hereof. Such mailing shall be deemed personal service and shall be legal and binding upon such party in any action, proceeding
or claim.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 7.8 </FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Headings</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">The headings of articles and sections in this
Agreement and in the form of the Receipt set forth in <U>Exhibit A</U> hereto have been inserted for convenience only and are not
to be regarded as a part of this 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: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 7.9 </FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Force
Majeure</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Notwithstanding anything to the contrary contained
herein, the Depository will not be liable for any delays or failures in performance resulting from acts beyond its reasonable control
including, without limitation, acts of God, terrorist acts, shortage of supply, breakdowns or malfunctions, interruptions or malfunction
of computer facilities, or loss of data due to power failures or mechanical difficulties with information storage or retrieval
systems, labor difficulties, war, or civil unrest.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt"><FONT STYLE="color: #010000">Section 7.10 </FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Confidentiality</U>.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">The Depository and the Corporation agree that
all books, records, information and data pertaining to the business of the other party, including inter alia, personal, non-public
warrant holder information, which are exchanged or received pursuant to the negotiation or the carrying out of this Agreement,
including the fees for services contemplated hereunder, shall remain confidential, and shall not be voluntarily disclosed to any
other person, except as may be required by law, including, without limitation, pursuant to subpoenas from state or federal government
authorities (e.g., in divorce and criminal actions). However, each party may disclose relevant aspects of the other party&rsquo;s
confidential information to its officers, affiliates, agents, subcontractors and employees to the extent reasonably necessary to
perform its duties and obligations under this Agreement and such disclosure is not prohibited by applicable law.</P>

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

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


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">IN WITNESS WHEREOF, the Corporation and the Depository
have duly executed this Agreement as of the day and year first above set forth.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">FIRST HORIZON NATIONAL CORPORATION</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: top">
    <TD>By:&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1px solid">/s/ Dane Smith</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 6%; padding-left: 15pt">Name:&nbsp;</TD>
    <TD STYLE="width: 30%">Dane Smith</TD>
    <TD STYLE="width: 61%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 15pt">Title:</TD>
    <TD COLSPAN="2">Senior Vice President and Corporate Treasurer</TD></TR>
</TABLE>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">EQUINITI TRUST COMPANY</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: top">
    <TD STYLE="width: 3%">By:&nbsp;</TD>
    <TD STYLE="width: 36%; border-bottom: Black 1px solid">/s/ Martin J. Knapp</TD>
    <TD STYLE="width: 61%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 15pt">Name: Martin J. Knapp</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 15pt">Title: Vice President</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0pt; color: #010000">EXHIBIT A</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center">[FORM OF FACE OF RECEIPT]</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-indent: 36pt">THE DEPOSITARY SHARES REPRESENTED BY THIS CERTIFICATE
ARE NOT SAVINGS ACCOUNTS, DEPOSITS OR OTHER OBLIGATIONS OF A BANK AND ARE NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION
OR ANY OTHER GOVERNMENT AGENCY.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">[<I>To be included in any DTC Receipt or other
global Receipt: </I>UNLESS THIS RECEIPT IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK
CORPORATION (&ldquo;DTC&rdquo;), TO THE CORPORATION OR ITS AGENT (INCLUDING THE DEPOSITORY) FOR REGISTRATION OF TRANSFER, EXCHANGE,
OR PAYMENT, AND ANY RECEIPT 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: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">TRANSFERS OF THIS RECEIPT SHALL BE LIMITED TO
TRANSFERS IN WHOLE, BUT NOT IN PART, TO NOMINEES OF DTC OR TO A SUCCESSOR THEREOF OR SUCH SUCCESSOR&rsquo;S NOMINEE AND TRANSFERS
OF PORTIONS OF THIS RECEIPT SHALL BE LIMITED TO TRANSFERS MADE IN ACCORDANCE WITH THE RESTRICTIONS SET FORTH IN THE DEPOSIT AGREEMENT
REFERRED TO BELOW. IN CONNECTION WITH ANY TRANSFER, THE HOLDER WILL DELIVER TO THE REGISTRAR AND TRANSFER AGENT SUCH CERTIFICATES
AND OTHER INFORMATION AS SUCH REGISTRAR AND TRANSFER AGENT MAY REQUIRE TO CONFIRM THAT THE TRANSFER COMPLIES WITH THE FOREGOING
RESTRICTIONS.]</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 70%">Number DR-</TD>
    <TD STYLE="width: 30%">Depositary Shares</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>(CUSIP: [<FONT STYLE="font-family: Georgia, Times, Serif">&bull;</FONT>])</TD></TR>
</TABLE>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center">DEPOSITARY RECEIPT FOR DEPOSITARY SHARES,<BR>
EACH REPRESENTING ONE 1/400<FONT STYLE="font-size: 6.5pt">TH </FONT>OF ONE SHARE OF<BR>
6.100% FIXED-TO-FLOATING NON-CUMULATIVE PERPETUAL PREFERRED STOCK, <BR>
SERIES D, OF<BR>
FIRST HORIZON NATIONAL CORPORATION<BR>
Incorporated under the laws of the State of Tennessee<BR>
(See reverse for certain definitions.)</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-indent: 36pt">Equiniti Trust Company, a limited trust
company organized under the laws of the State of New York (the &ldquo;Depository&rdquo;), hereby certifies that
CEDE&nbsp;&amp; CO. is the registered owner of ( ) DEPOSITARY SHARES (&ldquo;Depositary Shares&rdquo;), each Depositary Share
representing one 1/400<FONT STYLE="font-size: 6.5pt">th </FONT>of a share of 6.100% Fixed-to-Floating Non-Cumulative
Perpetual Preferred Stock, Series D, liquidation preference $10,000 per share, no par value (the &ldquo;Stock&rdquo;), of
FIRST HORIZON NATIONAL CORPORATION, a Tennessee corporation (the &ldquo;Corporation&rdquo;), on deposit with the Depository,
subject to the terms and entitled to the benefits of the Deposit Agreement dated as of July 1, 2020 (the &ldquo;Deposit
Agreement&rdquo;), among the Corporation, Equiniti Trust Company 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 Depository by the manual, facsimile or
electronic signature of a duly authorized officer and countersigned and registered by the transfer agent and registrar.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 70%">Dated:</TD>
    <TD STYLE="width: 30%">Equiniti Trust Company, as</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Depository</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>By:&nbsp;&nbsp;&nbsp;&nbsp;_____________________</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">Authorized Officer</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">Countersigned and Registered:</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">Transfer Agent and Registrar</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: top">
    <TD STYLE="width: 4%">By:</TD>
    <TD STYLE="width: 30%; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="width: 66%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left; padding-left: 15pt">Authorized Signatory</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center">[FORM OF REVERSE OF RECEIPT]<BR>
FIRST HORIZON NATIONAL CORPORATION</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-indent: 36pt">UPON REQUEST, THE CORPORATION WILL FURNISH WITHOUT
CHARGE TO EACH HOLDER OF A DEPOSITARY RECEIPT WHO SO REQUESTS A COPY OF THE DEPOSIT AGREEMENT AND A COPY OR SUMMARY OF THE ARTICLES
OF AMENDMENT OF THE 6.100% FIXED-TO-FLOATING NONCUMULATIVE PERPETUAL PREFERRED STOCK, SERIES D, OF FIRST HORIZON NATIONAL CORPORATION.
ANY SUCH REQUEST IS TO BE ADDRESSED TO THE SECRETARY OF THE CORPORATION OR THE DEPOSITORY NAMED ON THE FACE OF THIS RECEIPT.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">The Corporation will furnish without charge to
each holder of a depositary receipt 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 or rights. Such request may be made to the Corporation or to the Registrar.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">KEEP THIS CERTIFICATE IN A SAFE PLACE. IF IT
IS LOST, STOLEN OR DESTROYED THE CORPORATION WILL REQUIRE A BOND OF INDEMNITY AS A CONDITION TO THE ISSUANCE OF A REPLACEMENT CERTIFICATE.</P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 47%">TEN COM &ndash; as tenants in common</TD>
    <TD STYLE="width: 6%">&nbsp;</TD>
    <TD STYLE="width: 47%">UNIF GIFT MIN ACT &ndash; Custodian</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>TEN ENT &ndash; as tenants by the entireties</TD>
    <TD>&nbsp;</TD>
    <TD>(Cust) _____________________&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(Minor)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>JT TEN &ndash; as joint tenants with right of survivorship and not as tenants in common</TD>
    <TD>&nbsp;</TD>
    <TD>Under Uniform Gifts to Minors</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>_____________&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Act<BR>
_____________&nbsp;&nbsp;&nbsp;&nbsp;(State)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Additional abbreviations may also be used though not in the above list.</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</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">For value received, _____________________ hereby sells, assigns
and transfers unto</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">PLEASE INSERT SOCIAL SECURITY OR OTHER IDENTIFYING NUMBER OF ASSIGNEE</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center">(PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS,
INCLUDING ZIP CODE, OF ASSIGNEE)</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">Depositary Shares represented by the within Certificate, and do(es)
hereby irrevocably constitute and appoint ________________________ as Attorney to transfer the</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">Depositary Shares on the books of the within named Depository with
full power of substitution in the premises.</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>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">NOTICE: THE SIGNATURE TO THIS ASSIGNMENT MUST CORRESPOND WITH THE
NAME AS WRITTEN UPON THE FACE OF THE</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">CERTIFICATE IN EVERY PARTICULAR, WITHOUT ALTERATION
OR ENLARGEMENT OR ANY CHANGE WHATEVER.</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%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 140pt">SIGNATURE(S) GUARANTEED:</TD>
    <TD STYLE="padding-left: 5.4pt">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 PROGRAM), PURSUANT TO RULE 17Ad-15 UNDER THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED.</TD></TR>
</TABLE>

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<DOCUMENT>
<TYPE>EX-10.1
<SEQUENCE>8
<FILENAME>c100054_ex10-1.htm
<TEXT>
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<HEAD>
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<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0">November 3, 2019</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0">Dear Anthony:</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0">As a key employee of IBERIABANK Corporation (the
&ldquo;<U>Corporation</U>&rdquo; and, together with IBERIABANK and its other affiliates from time to time, the
&ldquo;<U>Bank</U>&rdquo;), you are aware that the Corporation is contemplating entering into a definitive merger agreement
(the &ldquo;<U>Merger Agreement</U>&rdquo;) under which the Corporation will merge with First Horizon National Corporation
(&ldquo;First Horizon&rdquo;) (the &ldquo;<U>Proposed Transaction</U>&rdquo;).</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Given your role in the success of the
combined company, we would like to align your interests with the long-term interests of our shareholders, to incentivize you to
remain employed with the Bank following the Proposed Transaction, and to provide for certain modifications to your existing contractual
rights, as set forth in this letter agreement (this &ldquo;<U>Agreement</U>&rdquo;).</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0">This Agreement is personal to you and it is a condition to
your receipt of any of the amounts herein that you keep them confidential and do not discuss these terms with anyone other than
myself, Human Resources, Legal or our CEO, and in confidence, your spouse or partner, financial and/or legal advisor, each of
whom will also be under an obligation to keep these amounts and terms confidential (unless the terms of this Agreement are otherwise
publicly disclosed by the Bank). Capitalized terms used in this Agreement (but not defined in this Agreement) shall have the respective
meanings assigned such terms in your CIC Severance Agreement (as defined below).</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.04pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">1.</TD><TD><U>Future Role</U></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 11.04pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0">Following the closing of the Proposed Transaction (the &ldquo;<U>Closing</U>&rdquo;), you will take on a new role at the Bank. The attached <U>Schedule A</U> sets forth your new title, to whom you will report,
and your work location (in each case, commencing immediately following the Closing).</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.04pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">2.</TD><TD><U>CIC Severance Payment Deferral</U></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 11.04pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant
to Sections 2 and 3(a) of that certain change in control severance agreement by and between you, the Corporation and IBERIABANK
(the &ldquo;<U>CIC Severance Agreement</U>&rdquo;), you would be entitled to a cash severance benefit following the Closing upon
the occurrence of any of the following events during the Protected Period: your resignation for Good Reason, your voluntary resignation
for any reason other than Just Cause within 30 days after a Change in Control, or the Bank&rsquo;s termination of your employment
without Just Cause. We call this cash severance benefit, as described in Section 3(a) of your CIC Severance Agreement, the &ldquo;<U>CIC
Severance Payment</U>.&rdquo; The Bank recognizes that your continued service to the Bank is important to the success of the Proposed
Transaction and, as a result, the Bank wants to encourage your continued employment following the Closing. To incentivize you
not to resign your employment with the Bank following the Closing, the Bank hereby agrees to guarantee payment of your CIC Severance
Payment upon the occurrence of any future &ldquo;separation from service&rdquo; (as contemplated by Section 409A of the Internal
Revenue Code of 1986, as amended (&ldquo;<U>Section 409A</U>&rdquo;)) from the Bank, including, for the avoidance of doubt, the
Bank&rsquo;s termination of your employment for Just</P>

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<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0">Cause. To accomplish this, the compensation committee of the
board of directors of the Corporation will, prior to the Closing, calculate the amount of your CIC Severance Payment, assuming
you resigned on the day immediately following the Closing, and inform you in writing of such amount. The amount of the CIC Severance
Payment shall be credited, within 10 business days following the Closing, as a deferred compensation balance under the Bank&rsquo;s
Executive Nonqualified Excess Plan, and such amount shall be eligible to be credited with earnings under the terms of such plan
as in effect immediately prior to the Closing (the &ldquo;<U>CIC Severance Payment Deferral</U>&rdquo;). The amount of the CIC
Severance Payment shall be held in a grantor trust in accordance with the terms of Section 4(a) of your CIC Severance Agreement.</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Additionally, should your employment
terminate for any reason other than a termination by the Bank for Just Cause during the Protected Period, you shall be entitled
to the continuation of your medical and life benefits as set forth in Section 3(c) of your CIC Severance Agreement. Sections 6,
7, 14 and 15 of your CIC Severance Agreement shall remain in full force and effect and will be deemed to apply to this Agreement.</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Sections 3(d)-(f) of your CIC Severance
Agreement will remain in full force and effect with respect to any excise taxes (including any interest and penalties) imposed
under Section 4999 of the Code for which you may become liable in connection with any &ldquo;parachute payment&rdquo; (as described
under Section 280G of the Code), including with respect to amounts and benefits paid to you in connection with the CIC Severance
Payment Deferral or otherwise in connection with the Merger Agreement and/or this Agreement. You acknowledge and agree that Deloitte
Tax LLP shall provide all calculations with respect to such Sections 3(d)-(f), including, without limitation, the determination
of any amounts due to you thereunder.</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except as specifically provided herein,
you shall have no rights under the CIC Severance Agreement or to any future payment thereunder.</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.04pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">3.</TD><TD><U>Closing Incentive Award</U></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 11.04pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Bank hereby agrees to grant to you a restricted stock award (the &ldquo;<U>Closing Incentive</U> <U>Award</U>&rdquo;) prior to
the Closing. The number of shares underlying the Closing Incentive Award shall equal the quotient (rounded down to the nearest
whole number) of $1,350,000, divided by the volume weighted average price for shares of the Corporation&rsquo;s common stock over
the 10-trading day period immediately prior to the grant date, which will be November 18, 2019. The Closing Incentive Award shall
vest in full on the date that is 12 months following the Closing, or, if earlier, upon your termination of employment, other than
your voluntary resignation of employment with First Horizon and its affiliates without Good Reason, or if your employment with
First Horizon and its affiliates has been terminated by First Horizon for Just Cause, and upon such resignation or termination
the Closing Incentive Award shall be forfeited; provided that if the Proposed Transaction is terminated prior to the occurrence
of the Closing, then the Closing Incentive Award shall be forfeited. The Closing Incentive Award will be subject to repayment
and recovery in full by the Bank if you materially violate the provisions of Exhibit A of this Agreement, as reasonably determined
by First Horizon&rsquo;s board of directors (the &ldquo;<U>Board</U>&rdquo;). You will not be found to have materially violated
Exhibit A of this Agreement for any purpose of this Agreement until the Bank has provided you written notice setting forth in
reasonable detail the determination of material violation and such basis has not been cured within 30 days (provided that such
notice must be given to you within 30 days of a senior executive officer of First Horizon becoming aware of such basis), and you
have been delivered of a resolution duly adopted by the vote of not less than three-quarters of the entire membership of the Board
that you were guilty of such material violation and specifying the particulars thereof in</P>

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<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0">detail. If you request, you may appear with counsel before
the Board (which may be by teleconference) during such 30-day period.</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In connection with the Closing, the
Closing Incentive Award shall automatically and without any required action on your part, cease to represent an equity award denominated
in shares of Corporation common stock and shall be converted into an equity award denominated in shares of First Horizon common
stock. The number of shares of First Horizon common stock subject to the converted Closing Incentive Award shall be equal to the
product (with the result rounded down to the nearest whole number) of (i) the number of shares of Corporation common stock subject
to the Closing Incentive Award immediately prior to the Effective Time (as defined in the Merger Agreement) multiplied by (ii)
the Exchange Ratio (as defined in the Merger Agreement) (as adjusted if necessary pursuant to the last sentence of Section 1.5(b)
of the Merger Agreement). For the avoidance of doubt, notwithstanding anything contained in the Merger Agreement, the Closing
Incentive Award shall not vest in connection with the Closing, but shall instead continue to remain outstanding and eligible to
vest in accordance with the terms of the applicable award agreement (which shall be consistent with the terms specified herein).</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For the purposes of Section 3(a)
of this Agreement, &ldquo;Good Reason&rdquo; shall mean, without your express written consent, (i) the assignment to you of duties
that are materially inconsistent with the title set forth on Schedule A or the Bank&rsquo;s requirement that you report to anyone
other than the Chief Executive Officer of First Horizon, (ii) a material diminution in any of your base salary, target annual
incentive, or target annual long-term incentive award as in effect prior to the Closing, or (iii) a relocation of your principal
place of employment to a location that is more than 30 miles from the location set forth on Schedule A; in each case that has
not been cured within 30 days after written notice thereof has been given by you to the Chief Executive Officer of the Bank setting
forth in reasonable detail the basis of the event (provided that such notice must be given to the Chief Executive Officer of the
Bank within 30 days of you becoming aware of such condition). Notwithstanding the foregoing, the Bank placing you on a paid leave
for up to 90 days, pending the determination of whether there is a basis to terminate your employment for Just Cause or pending
a determination that you have materially violated the provisions of Exhibit A of this Agreement, will not, in either case, constitute
a &ldquo;Good Reason&rdquo; event.</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.04pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">4.</TD><TD><U>Restrictive Covenants</U></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 11.04pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0">You acknowledge and recognize the highly competitive nature
of the businesses of the Bank, and accordingly agree to the provisions of Exhibit A to this Agreement.</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.04pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">5.</TD><TD><U>Assignment</U></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 11.04pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0">This Agreement is personal to you and may not be assigned by
you (other than as required by legal process, including the laws of succession and descent). This Agreement shall inure to the
benefit of and be binding upon the Bank and its successors. The Bank shall require, if not otherwise required by operation of
law, any successor to the business, whether direct or indirect, by purchase, merger, consolidation, acquisition of stock or otherwise,
to assume and perform this Agreement in the same manner and to the same extent as the Bank would be required to perform if no
such succession has taken place.</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.04pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">6.</TD><TD><U>Governing Law</U></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 11.04pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0">This Agreement shall be governed by and construed in accordance
with the law of the State of Louisiana without reference to principles of conflict of laws.</P>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.04pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">7.</TD><TD><U>Termination</U></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 11.04pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0">In the event the Transaction is terminated without the Closing
having occurred, this Agreement shall automatically terminate be null and void <I>ab initio</I>.</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.04pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">8.</TD><TD><U>Effect on Existing Employment</U></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 11.04pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0">This Agreement shall not be construed as giving you the right
to be retained in the employ of, or in any consulting relationship to, the Bank or its successor (or any parent or affiliate).
You acknowledge and understand that your employment with the Bank is on an &ldquo;at will&rdquo; basis.</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.04pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">9.</TD><TD><U>No Trust Fund</U></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 11.04pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0">Except as specifically set forth in Section 2, (i) this
Agreement shall not be construed to create a trust or separate fund of any kind or a fiduciary relationship between the Bank and
you or any other person, and (ii) to the extent that you acquire the right to receive payments from the Bank under this Agreement,
such right shall be no greater than the right of any unsecured general creditor of the Bank.</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.04pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">10.</TD><TD><U>Amendment</U></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 11.04pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0">This Agreement may not be amended or modified other than by
a written agreement executed by you and the Bank or its successors, nor may any provision hereof be waived other than by a writing
executed by you or the Bank or its successors.</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.04pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">11.</TD><TD><U>Entire Agreement</U></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 11.04pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0">This Agreement and the documents referred to herein or delivered
pursuant hereto which form a part hereof contain the entire understanding of the parties with respect to the subject matter hereof
and thereof. There are no restrictions, agreements, promises, representations, warranties, covenants or undertakings with respect
to the subject matter hereof other than those expressly set forth herein and therein. Except as specifically provided herein,
this Agreement supersedes all prior agreements and understandings between the parties with respect to such subject matter.</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.04pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">12.</TD><TD><U>Counterparts</U></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 11.04pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0">This Agreement may be signed in counterparts, each of which
shall be an original, with the same effect as if the signatures thereto and hereto were upon the same instrument.</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.04pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">13.</TD><TD><U>Section 409A of the Code</U></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 11.04pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0">The Bank intends that this Agreement comply with Section 409A
to the extent that the requirements of Section 409A are applicable hereto (and not exempt pursuant to the short term deferral
exception under Treas. Reg. Section 1.409A - 1(b)(4) or otherwise), and the provisions of this Agreement shall be construed in
a manner consistent with that intention. If the Bank believes, at any time, that any payment or benefit under this Agreement that
is subject to Section 409A does not so comply, this Agreement will be interpreted or reformed in the manner necessary to achieve
compliance with Section 409A. If and to the extent required to comply with Section 409A, (i) no payment or benefit required to
be paid under this Agreement on account of termination of your employment shall be made unless and until you incur a &ldquo;separation
from service&rdquo; within the meaning of Section 409A and (ii) if you are a &ldquo;specified employee&rdquo;, then no payment
or benefit that is payable on account of your &ldquo;separation from service&rdquo;, as that term is defined for purposes of Section
409A, shall be made before the date that is six months after your &ldquo;separation from service&rdquo; (or, if earlier, the date
of your death). While the payments and benefits</P>

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<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0">provided hereunder are intended to be structured in a manner
to avoid the implication of any penalty taxes under Section 409A, you recognize and agree that taxes, interest, and penalties
imposed under Section 409A are imposed on the employee and not the paying company.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">We thank you in advance for the valuable contribution
which you have made and which we are sure you will continue to make to the Bank.</P>

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

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

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

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

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

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt; font: 10pt/normal Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1px solid">/s/ Daryl G. Byrd</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 40%">Daryl G. Byrd</TD>
    <TD STYLE="width: 60%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>President and CEO</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt; font: 10pt/normal Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1px solid">/s/ Rick Maples</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 40%">Rick Maples</TD>
    <TD STYLE="width: 60%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Chairman, Board Compensation Committee</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>

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


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

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

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 40%; border-bottom: Black 1px solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">/s/ Anthony Restel</P></TD>
    <TD STYLE="width: 60%">&nbsp;</TD></TR>
</TABLE>


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

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


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<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>Schedule A</U></P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0"><U>Title</U>: Chief Operating Officer of First Horizon</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0"><U>Officer to Whom You Will Report</U>: Chief Executive Officer
of First Horizon</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0"><U>Employment Location</U>: New Orleans, LA</P>

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

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.04pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt"><FONT STYLE="color: #010000"><B>1.</B></FONT></TD><TD><B>Restrictive Covenants.</B></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 11.04pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.04pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="color: #010000">a)</FONT></TD><TD><I>Non<B>-</B>Competition</I></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 11.04pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 71.95pt">During the one year
period following the Closing (the &ldquo;<U>Restricted Period</U>&rdquo;), you will not directly or indirectly (without the prior
written consent of the Bank) within the Territory:</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 71.95pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.04pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 36pt">(1)</TD><TD STYLE="text-align: justify">hold a 3% or greater equity (including stock options, whether
                                         or not exercisable), voting or profit participation interest in a Competitive Enterprise,
                                         or</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 11.04pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.04pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 36pt">(2)</TD><TD STYLE="text-align: justify">associate (including as a director, officer, employee, partner,
                                         consultant, agent or advisor) with a Competitive Enterprise <U>and</U> in connection
                                         with your association engage, or directly or indirectly manage or supervise personnel
                                         engaged, in any activity:</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 11.04pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.04pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 108pt"></TD><TD STYLE="width: 36.05pt">(a)</TD><TD STYLE="text-align: justify">that is substantially similar to any activity in which you
                                         were engaged with the Bank, or</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 11.04pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.04pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 108pt"></TD><TD STYLE="width: 36.05pt">(b)</TD><TD STYLE="text-align: justify">that is substantially similar to any activity for which you
                                         had direct or indirect managerial or supervisory responsibility with the Bank.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 11.04pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 35.95pt">&ldquo;<U>Competitive
Enterprise</U>&rdquo; means any business enterprise that either (A) engages in the commercial banking business or in any other
financial services business that competes with a material portion of the business in which the Bank is then engaged or (B) holds
directly, or (to your knowledge) indirectly, a controlling interest in any enterprise that engages in such competitive activity.</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 35.95pt">&nbsp;</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 35.95pt">&ldquo;<U>Territory</U>&rdquo;
means, within Louisiana, the parish or parishes, municipality or municipalities, or parts thereof, listed on Exhibit A-1, and
outside of Louisiana, the geographic locations where the Bank has operations.</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 35.95pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.04pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="color: #010000">b)</FONT></TD><TD><I>Non<B>-</B>Solicitation</I></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 11.04pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 71.95pt">During the Restricted
Period, you will not, in any manner, directly or indirectly (without the prior written consent of the Bank): (1) Solicit any Client
to transact business with a Competitive Enterprise or to reduce, end, diminish or refrain from doing any business with the Bank,
(2) transact business with any Client that would cause you to be a Competitive Enterprise under the definition of Competitive
Enterprise above or (3) interfere with or damage any relationship between the Bank and a Client (other than in the good faith
performance of your duties).</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 71.95pt">&nbsp;</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 71.95pt">During the Restricted
Period, you will not Solicit anyone who is then an employee of the Bank (or who was an employee of the Bank within the prior 12
months) to resign from or refrain from renewing or extending such employment with the Bank or to apply for or accept employment
with any other business or enterprise.</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 71.95pt">&nbsp;</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 71.95pt">This Section 1(b)
shall in no event apply to general solicitations pursuant to written or electronic media (including posting of advertisements
which are not targeted directly or indirectly towards Bank employees or consultants). It shall not be a violation of the foregoing
for you to serve as a reference.</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 71.95pt">&nbsp;</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 71.95pt">For purposes of
this Exhibit A, a &ldquo;<U>Client</U>&rdquo; means any client or customer, or person whom the Bank has taken material steps to
make a prospective client or customer, of the Bank to whom you</P>

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<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">provided services, or for whom you transacted
business, or whose identity became known to you in connection with his relationship with or employment by the Bank, and &ldquo;<U>Solicit</U>&rdquo;
means any direct or indirect communication of any kind, regardless of who initiates it, that in any way invites, advises, encourages
or requests any person to take or refrain from taking any action.</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.04pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="color: #010000">c)</FONT></TD><TD><I>Non-Disparagement</I></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 11.04pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 71.95pt">During the Restricted
Period and thereafter, except as may be required by law or any legal process, any statutory obligation or order of any court or
statutory tribunal of competent jurisdiction, or as is reasonably necessary in connection with any adversarial proceeding against
the Bank, (1) you will not, in any manner, directly or indirectly make or publish any statement (orally or in writing) that would
libel, slander, disparage, denigrate, ridicule or criticize the Bank or any of its employees, officers or directors, and (2) the
Bank will make no official statement and will instruct its directors and executive officers not to, in any manner, directly or
indirectly make or publish any statement (orally or in writing) that would libel, slander, disparage, denigrate, ridicule or criticize
you.</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 71.95pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.04pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="color: #010000">d)</FONT></TD><TD><I>Confidentiality</I></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 11.04pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 71.95pt">During the Restricted
Period and thereafter, you will hold in a fiduciary capacity for the benefit of the Bank all trade secrets and confidential information,
knowledge or data relating to the Bank and its businesses and investments, which will have been obtained by you during your employment
by or service to the Bank and which is not generally available public knowledge (other than by acts by you in violation of this
Agreement). In the event of any dispute between you and the Bank with respect to this Agreement or otherwise, any information
relating to such dispute (including the existence and nature of the dispute, any fact or information in any way pertaining to
the process of resolving the dispute, any information obtained over the course of the dispute, or to the fact of or any term that
is part of a resolution or settlement of any dispute) will be considered to be confidential information subject to your obligations
under this Section 1(d) and you and the Bank agree to keep all such information confidential. Except as may be required or appropriate
in connection with your carrying out your duties under this Agreement, you will not, without the prior written consent of the
Bank or as may otherwise be required by law or any legal process, any statutory obligation or order of any court or statutory
tribunal of competent jurisdiction, or as is necessary in connection with any adversarial proceeding against the Bank (in which
case you will use your reasonable best efforts in cooperating with the Bank in obtaining a protective order against disclosure
by a court of competent jurisdiction), communicate or divulge any such trade secrets, information, knowledge or data to anyone
other than the Bank and those designated by the Bank or on behalf of the Bank in the furtherance of its business or to perform
duties hereunder. Notwithstanding anything to the contrary in the Agreement (including this Exhibit A) or otherwise, nothing shall
(a) limit your rights under applicable law to provide truthful information to any governmental entity or to file a charge with
or participate in an investigation conducted by any governmental entity or (b) prohibit you from making disclosure to your legal
and financial advisors (who will also be under an obligation to keep such disclosures confidential).</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 71.95pt">&nbsp;</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 71.95pt">You are hereby notified
that the immunity provisions in Section 1833 of title 18 of the United States Code provide that an individual cannot be held criminally
or civilly liable under any federal or state trade secret law for any disclosure of a trade secret that is made (1) in confidence
to federal, state or local government officials, either directly or indirectly, or to an attorney, and is solely for the purpose
of reporting or investigating a suspected violation of the law, (2) under seal in a complaint or other document filed in a lawsuit
or other proceeding, or (3) to your attorney in connection with a lawsuit for retaliation for reporting a suspected violation
of law (and the trade secret may be used in the court proceedings for such lawsuit) as long as any document containing the trade
secret is filed under seal and the trade secret is not disclosed except pursuant to court order.</P>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.04pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="color: #010000">e)</FONT></TD><TD><I>Injunctive Relief</I></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 11.04pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 71.95pt">In the event of
a breach or threatened breach of this Exhibit A, you acknowledge and agree that damages would be inadequate and insufficient and
that the Bank will be entitled to injunctive relief in a court of appropriate jurisdiction to remedy any such breach or threatened
breach. No bond will be needed for the Bank to receive such injunctive relief, and no proof will be required that monetary damages
for violations of this Exhibit A would be difficult to calculate and that remedies at law would be inadequate. The parties acknowledge
that the potential restrictions on your future employment imposed by this Exhibit A are reasonable in both duration and geographic
scope and in all other respects.</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 71.95pt">&nbsp;</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 71.95pt">No termination of
your employment under the Agreement will in any way affect your obligations under this Exhibit A, which will continue in all respects
and unaffected by any such termination. Your willingness to enter into the Agreement (including this Exhibit A) is a material
inducement to the Bank to enter into the Proposed Transaction and proceed with the transactions the Merger Agreement contemplates.
The continuity of the Bank&rsquo;s management following the Proposed Transaction, including you, is a critical factor in the Bank&rsquo;s
assessment of the likely benefits to be derived from the Proposed Transaction. In view of your importance to success of the Proposed
Transaction, if you compete with the Bank for some time after your employment, the Bank will likely suffer significant harm. The
Agreement provides you with substantial additional benefits over your prior arrangements with the Bank, including the substantial
additional compensation referred to in Sections 1 and 3 of the Agreement. In return for the benefits you will receive from the
Bank and to induce the Bank to enter into the Merger Agreement and this Agreement, and in light of the potential harm you could
cause the Bank, you agree to the provisions of this Exhibit A. The Bank would not have entered into the Agreement if you did not
agree to this Exhibit A. Thus, this Exhibit A is an integral part of this Agreement and, if it is determined following challenge
by you (or with your consent) that it is unenforceable or invalid to any material extent, the Agreement will be null and void.</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 71.95pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.04pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="color: #010000">f)</FONT></TD><TD><I>Early Termination</I></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 11.04pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 71.95pt">Notwithstanding
any other provision of this Exhibit A, in the event that following the Closing (i) your employment is terminated by the Bank without
Just Cause or (ii) you resign from employment with the Bank for Good Reason (as defined in Section 3(c) of the Agreement), Section
1(a) and (b) of this Exhibit A shall cease to apply as of the date of such termination or resignation.</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 71.95pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt"><FONT STYLE="color: #010000">2.</FONT></TD><TD>Other Agreements</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 11.04pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 71.95pt">The restrictive covenants and other obligations
contained in this Exhibit A are independent of, supplemental to, and do not modify, supersede or restrict (and shall not be modified,
superseded or restricted by) any non-competition, non-solicitation, confidentiality or other restrictive covenants in any other
current or future agreement between you and the Bank (or any successor thereto), unless reference is made to the specific provisions
of this Exhibit A which are intended to be superseded.</P>

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<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>Exhibit A-1</U></P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>Parish List</U></P>

<P STYLE="font: 11.04pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 11.04pt Times New Roman, Times, Serif; border-collapse: collapse">
<tr style="vertical-align: top">
    <TD STYLE="width: 25%; padding-bottom: 5pt">Acadia</td>
    <TD STYLE="width: 25%; padding-bottom: 5pt">East Baton Rouge</td>
    <TD STYLE="width: 25%; padding-bottom: 5pt">Madison</td>
    <TD STYLE="width: 25%; padding-bottom: 5pt">St. Landry</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-bottom: 5pt">Allen</td>
    <TD STYLE="padding-bottom: 5pt">East Carroll</td>
    <TD STYLE="padding-bottom: 5pt">Morehouse</td>
    <TD STYLE="padding-bottom: 5pt">St. Martin</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-bottom: 5pt">Ascension</td>
    <TD STYLE="padding-bottom: 5pt">East Feliciana</td>
    <TD STYLE="padding-bottom: 5pt">Natchitoches</td>
    <TD STYLE="padding-bottom: 5pt">St. Mary</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-bottom: 5pt">Assumption</td>
    <TD STYLE="padding-bottom: 5pt">Evangeline</td>
    <TD STYLE="padding-bottom: 5pt">Orleans</td>
    <TD STYLE="padding-bottom: 5pt">St. Tammany</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-bottom: 5pt">Avoyelles</td>
    <TD STYLE="padding-bottom: 5pt">Franklin</td>
    <TD STYLE="padding-bottom: 5pt">Ouachita</td>
    <TD STYLE="padding-bottom: 5pt">Tangipahoa</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-bottom: 5pt">Beauregard</td>
    <TD STYLE="padding-bottom: 5pt">Grant</td>
    <TD STYLE="padding-bottom: 5pt">Plaquemines</td>
    <TD STYLE="padding-bottom: 5pt">Tensas</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-bottom: 5pt">Bienville</td>
    <TD STYLE="padding-bottom: 5pt">Iberia</td>
    <TD STYLE="padding-bottom: 5pt">Pointe Coupee</td>
    <TD STYLE="padding-bottom: 5pt">Terrebonne</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-bottom: 5pt">Bossier</td>
    <TD STYLE="padding-bottom: 5pt">Iberville</td>
    <TD STYLE="padding-bottom: 5pt">Rapides</td>
    <TD STYLE="padding-bottom: 5pt">Union</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-bottom: 5pt">Caddo</td>
    <TD STYLE="padding-bottom: 5pt">Jackson</td>
    <TD STYLE="padding-bottom: 5pt">Red River</td>
    <TD STYLE="padding-bottom: 5pt">Vermilion</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-bottom: 5pt">Calcasieu</td>
    <TD STYLE="padding-bottom: 5pt">Jefferson</td>
    <TD STYLE="padding-bottom: 5pt">Richland</td>
    <TD STYLE="padding-bottom: 5pt">Vernon</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-bottom: 5pt">Caldwell</td>
    <TD STYLE="padding-bottom: 5pt">Jefferson Davis</td>
    <TD STYLE="padding-bottom: 5pt">Sabine</td>
    <TD STYLE="padding-bottom: 5pt">Washington</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-bottom: 5pt">Cameron</td>
    <TD STYLE="padding-bottom: 5pt">Lafayette</td>
    <TD STYLE="padding-bottom: 5pt">St. Bernard</td>
    <TD STYLE="padding-bottom: 5pt">Webster</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-bottom: 5pt">Catahoula</td>
    <TD STYLE="padding-bottom: 5pt">Lafourche</td>
    <TD STYLE="padding-bottom: 5pt">St. Charles</td>
    <TD STYLE="padding-bottom: 5pt">West Baton Rouge</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-bottom: 5pt">Claiborne</td>
    <TD STYLE="padding-bottom: 5pt">LaSalle</td>
    <TD STYLE="padding-bottom: 5pt">St. Helena</td>
    <TD STYLE="padding-bottom: 5pt">West Carroll</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-bottom: 5pt">Concordia</td>
    <TD STYLE="padding-bottom: 5pt">Lincoln</td>
    <TD STYLE="padding-bottom: 5pt">St. James</td>
    <TD STYLE="padding-bottom: 5pt">West Feliciana</td></tr>
<tr style="vertical-align: top">
    <TD>DeSoto</td>
    <TD>Livingston</td>
    <TD>St. John the Baptist</td>
    <TD>Winn</td></tr>
</table>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>EXHIBIT 99.1</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: center"><B>BIOGRAPHICAL INFORMATION CONCERNING</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>PERSONS ELECTED TO FIRST HORIZON&rsquo;S
BOARD OF DIRECTORS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>EFFECTIVE JULY 1, 2020</B></P>

<P STYLE="font: 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; font: 10pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(222,234,246)"><B>Harry V. Barton, Jr. (age 65)</B></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 18pt; font: 10pt Times New Roman, Times, Serif; padding-top: 3pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-top: 3pt"><FONT STYLE="color: black">Mr. Barton </FONT>is the owner of Barton Advisory Services, LLC and Harry
    V. Barton CPA, LLC, Lafayette, Louisiana, where he is a Registered Investment Advisor and Certified Public Accountant. Mr.
    Barton has over 30 years of experience in the accounting industry. His expertise in the industry includes audit, review, and
    compilation of financial statements, the preparation of individual and corporate tax returns, tax planning for business and
    high net worth clients, and consulting and advising on business mergers and acquisitions. Mr. Barton became a director
    of First Horizon in July 2020 upon the closing of the merger of IBERIABANK Corporation with First Horizon. He had
    previously served as a director of IBERIABANK Corporation since 1993<FONT STYLE="color: black">.</FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(222,234,246)"><B>Daryl G. Byrd (age 66)</B></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-top: 3pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-top: 3pt"><FONT STYLE="color: black">Starting at the Effective Time of First Horizon&rsquo;s Merger with IBERIABANK Corporation,
    Mr. Byrd </FONT>is the Executive Chairman of the Board of First Horizon and First Horizon Bank. From 1999 to 2020,
    he served as the President and Chief Executive Officer and a director of IBERIABANK Corporation and IBERIABANK. Mr.
    Byrd began his career in banking with Trust Company Bank of Georgia (now Truist) in 1980. He later held positions
    with three subsidiaries of First Commerce Corporation: First National Bank of Lafayette, Rapides Bank and Trust Company, and
    First National Bank of Commerce. Following the First Commerce/Bank One merger, Mr. Byrd served as President and CEO of Bank
    One, Louisiana, in the New Orleans region until 1999<FONT STYLE="color: black">.</FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(222,234,246)"><B>John N. Casbon (age 71)</B></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-top: 3pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-top: 3pt"><FONT STYLE="color: black">Mr. Casbon </FONT>serves as Executive Vice President of First American Title Insurance Company,
    New Orleans, Louisiana, a member of The First American Corporation (NYSE: FAF) family of companies. He has been associated
    with FAF for over 30 years. Mr. Casbon serves or has served on the boards of the American Land Title Association, the New
    Orleans Police Foundation, the LSU Department of Psychiatry Advisory Board, the Louisiana Trooper Foundation, the Business
    Council of New Orleans and the River Region, the New Orleans/River Region Chamber of Commerce, The New Orleans Advocate newspaper
    and the Anti-Defamation League. Mr. Casbon became a director of First Horizon in July 2020 upon the closing of the merger
    of IBERIABANK Corporation with First Horizon. He had previously served as a director of IBERIABANK Corporation since 2001<FONT STYLE="color: black">.</FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(222,234,246)"><B>William H. Fenstermaker (age 71)</B></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-top: 3pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-top: 3pt"><FONT STYLE="color: black">Mr. Fenstermaker </FONT>is
Chairman and Chief Executive Officer of C.H. Fenstermaker and Associates, LLC, Lafayette, Louisiana, a surveying, mapping, engineering,
and environmental consulting company that has been serving the oil and gas industry for over 65 years. He has been employed in
this capacity since 1971, is responsible for the financial and operational stability of the company and also serves as Chief Risk
Officer. Mr. Fenstermaker became a director of First Horizon in July 2020 upon the closing of the merger of IBERIABANK
Corporation with First Horizon. He had previously</TD></TR>
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    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 18pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">served as a director of IBERIABANK Corporation since 1990 and was serving as the Chairman of the Board of IBERIABANK Corporation
    and IBERIABANK at the time of the Merger<FONT STYLE="color: black">.</FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(222,234,246)"><B>J. Michael Kemp, Sr. (age 49)</B></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-top: 3pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-top: 3pt"><FONT STYLE="color: black">Mr. Kemp </FONT>is the <FONT STYLE="color: black">Founder and CEO of Kemp Management Solutions
    (&ldquo;KMS&rdquo;), a program management and consulting firm based in Birmingham, Alabama. With 30 years in the construction
    industry, he has managed or built more than $6.8 billion in construction projects. Mr. Kemp founded KMS in January 2011 to
    provide program management services in the U.S. and Europe to the healthcare, financial, retail, municipal, infrastructure
    and higher education sectors. Mr. Kemp became a director of First Horizon at the Effective Time of the Merger of
    </FONT>IBERIABANK Corporation <FONT STYLE="color: black">with First Horizon. He had previously served as a director of </FONT>IBERIABANK
    Corporation <FONT STYLE="color: black">since 2019.</FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(222,234,246)"><B>Rick E. Maples (age 62)</B></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-top: 3pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-top: 3pt"><FONT STYLE="color: black">Mr. Maples </FONT>retired after 31 years at Stifel, Nicolaus and Company Incorporated (&ldquo;Stifel
    Nicolaus&rdquo;), in December 2015 and served as a Senior Advisor to Stifel Financial Corp. (&ldquo;Stifel Financial&rdquo;)
    from January 2016 until the end of March 2018. Headquartered in St. Louis, Missouri, Stifel Financial is a diversified
    financial services holding company which conducts business through several subsidiaries. Its primary broker dealer
    subsidiary is Stifel Nicolaus, which is a full service brokerage and investment banking firm. Mr. Maples joined
    Stifel Nicolaus in 1984 and in 1991, he became Head of Investment Banking. In 2005, with Stifel Financial&rsquo;s
    acquisition of Legg Mason Capital Markets, Mr. Maples became Co-Head of Investment Banking for the combined investment bank. In
    addition, Mr. Maples was named Executive Vice President and Co-Head of Global Investment Banking of KBW in February 2013,
    with Stifel Financial&rsquo;s acquisition of Keefe, Bruyette &amp; Woods, Inc. (&ldquo;KBW&rdquo;), an investment banking
    firm specializing in investment banking services to the financial services industry. Mr. Maples became a director
    of First Horizon in July 2020 upon the closing of the Merger of IBERIABANK Corporation with First Horizon. He had
    previously served as a director of IBERIABANK Corporation since 2016<FONT STYLE="color: black">.</FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(222,234,246)"><B>E. Stewart Shea, III (age 68)</B></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-top: 3pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-top: 3pt">Mr. Shea served as the Managing Partner and a member of the board of The Bayou Companies, LLC, New Iberia, Louisiana,
    a provider of services to the domestic gas pipeline industry and to international markets, from 1994 until 2009, when the
    company was sold. Mr. Shea continues to manage the remaining stock company now known as Bayou Holdings Company, LLC, serving
    in the capacity of Managing Partner/President and as a member of the board. Mr. Shea became a director of First
    Horizon in July 2020 upon the closing of the Merger of IBERIABANK Corporation with First Horizon. He had previously
    served as a director of <FONT STYLE="color: black">IBERIABANK Corporation</FONT> since 1990 and was serving as the Vice Chairman
    of the Board of IBERIABANK Corporation and IBERIABANK and Co-Chairman of IBERIABANK&rsquo;s New Iberia Advisory Board at the
    time of the Merger<FONT STYLE="color: black">. </FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(222,234,246)"><B>Rosa Sugra&ntilde;es (age 62)</B></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-top: 3pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-top: 3pt"><FONT STYLE="color: black">Ms. Sugra</FONT>&ntilde;<FONT STYLE="color: black">es
</FONT>currently serves on the board of directors of Rosa Gres, a manufacturer of ceramic tiles in Barcelona, Spain, and on the
board of directors of Sabadell Consumer Finance, a Spanish consumer bank. Ms.&nbsp;Sugra&ntilde;es was the founder and served
as the Chief Executive Officer of Iberia Tiles, Miami, Florida, from 1980 until 2012 when the company was sold. She was a director
of Sabadell United Bank in Miami from 2006 to 2017, and a former Board member and past Chairman</TD></TR>
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    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 18pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">of the Federal Reserve Bank of Atlanta, Miami Branch. Ms.
    Sugra&ntilde;es became a director of First Horizon in July 2020 upon the closing of the Merger of <FONT STYLE="color: black">IBERIABANK
    Corporation</FONT> with First Horizon. She had previously served as a director of <FONT STYLE="color: black">IBERIABANK
    Corporation</FONT> since 2018<FONT STYLE="color: black">.</FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(222,234,246)"><B>Anthony J. Restel (age 50)</B></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-top: 3pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-top: 3pt"><FONT STYLE="color: black">Starting at the Effective Time of First Horizon&rsquo;s Merger with IBERIABANK Corporation,
    Mr. Restel is the Senior Executive Vice President and Chief Operating Officer of First Horizon and First Horizon Bank. </FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="color: black">From 2001 until July 1, 2020, Mr. Restel was Vice Chairman and Chief Financial Officer of IBERIABANK
    Corporation and IBERIABANK. Mr. Restel served with IBERIABANK since 2001 in various other roles, including as Treasurer and
    as Chief Credit Officer.</FONT></TD></TR>
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<P STYLE="margin: 0"></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-align: right; text-indent: 0.5in"><B>Exhibit 99.2</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 2.25pt"><B>&nbsp;</B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 2.25pt"><IMG SRC="image_001.jpg" ALT="" STYLE="height: 27pt; width: 216.75pt"></P>

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0 0 2.25pt; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0 0 2.25pt; text-align: center"><B>First Horizon National Corporation
and IBERIABANK Corporation Complete Merger of Equals</B></P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">MEMPHIS, Tenn. &amp; LAFAYETTE, La., July 2, 2020 -- First Horizon
National Corp. (&quot;First Horizon&quot;) (NYSE: FHN) and IBERIABANK Corporation (&quot;IBERIABANK&quot;) (NASDAQ: IBKC) today
announced completion of their previously announced all-stock merger of equals. The combined company, with $79 billion in assets,
$60 billion in deposits and $58 billion in loans as of March 31, 2020, will be headquartered in Memphis, Tennessee and operate
under the First Horizon name.</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">&ldquo;The completion of this merger marks a significant milestone
for our clients, associates, shareholders and communities,&rdquo; said Bryan Jordan, President and CEO of First Horizon. &ldquo;The
combined company&rsquo;s enhanced scale, diversified business model and expertise in financial services uniquely position us to
better serve our clients and communities, accelerate our growth and create long-term shareholder value.&rdquo;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">Daryl G. Byrd, Executive Chairman of the Board of First Horizon,
commented, &ldquo;This extraordinary combination reflects hard work, dedication and collaboration across the platforms as we work
to build a premier southern-based bank. With the incredible legacies of both organizations as our foundation, we plan to combine
the best of both companies to position us for success in this rapidly evolving world.&rdquo;</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">&ldquo;Clients can count on us to keep them informed and prepared,&rdquo;
Jordan commented. &ldquo;Ensuring that the transition and conversion are as seamless as possible is a top priority.&rdquo;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">Clients will continue to be served through their respective First
Horizon or IBERIABANK branches, websites, mobile apps, financial advisors and relationship managers until systems are integrated.
IBERIABANK will adopt the First Horizon name following operating systems conversion, which is expected to occur in mid-2021. For
convenience, clients can continue to use the full ATM network of both banks for cash withdrawals at no charge. As the various systems
of each bank are integrated and converted over the next year or so, affected clients will be notified of the changes.</P>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">The Executive Leadership team is comprised of members from both
companies, including:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 12pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 12pt">Terry Akins, Chief Risk Officer </FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
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<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 12pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 12pt">Daryl Byrd, Executive Chairman of the Board</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 12pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 12pt">Bryan Jordan, President and Chief Executive Officer </FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 12pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 12pt">Tammy LoCascio, Chief Human Resources Officer </FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 12pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 12pt">William C. Losch, III, Chief Financial Officer</FONT></TD></TR></TABLE>
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<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 12pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 12pt">David Popwell, President, Specialty Banking</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 12pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 12pt">Anthony Restel, Chief Operating Officer</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 12pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 12pt">Susan Springfield, Chief Credit Officer</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 12pt">Vernon H. Stafford, Jr., Chief Audit Executive </FONT></TD></TR></TABLE>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">The combined company&rsquo;s Board of Directors consists of 17 members
with nine directors from First Horizon and eight directors from IBERIABANK, including:</P>

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

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<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 12pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 12pt">Harry V. Barton, Jr.</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 12pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 12pt">Kenneth A. Burdick</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 12pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 12pt">Daryl G. Byrd (Executive Chairman of the Board)</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 12pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 12pt">John N. Casbon</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 12pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 12pt">John C. Compton</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 12pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 12pt">Wendy P. Davidson</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 12pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 12pt">William H. Fenstermaker</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 12pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 12pt">D. Bryan Jordan</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 12pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 12pt">J. Michael Kemp, Sr.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 12pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 12pt">Rick E. Maples</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 12pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 12pt">Vicki R. Palmer</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 12pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 12pt">Colin V. Reed (Lead Director)</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 12pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 12pt">E. Stewart Shea, III</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 12pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 12pt">Cecelia D. Stewart</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 12pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 12pt">Rajesh Subramaniam</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 12pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 12pt">Rosa Sugra&ntilde;es</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 12pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 12pt">R. Eugene Taylor </FONT></TD></TR></TABLE>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">Under the terms of the merger agreement, IBERIABANK shareholders
received 4.584 shares of First Horizon for each IBERIABANK share they own.&nbsp;Approximately 56% of the combined company is held
by legacy First Horizon shareholders&nbsp;with approximately 44% held by&nbsp;legacy IBERIABANK shareholders.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">Shares of IBERIABANK ceased trading before the opening of the NASDAQ
stock market on July 2, 2020. The combined company&rsquo;s common shares&nbsp;will trade on the New York Stock Exchange under ticker
symbol &ldquo;FHN,&rdquo;&nbsp;and depositary shares representing interests in First Horizon Series B, C and D preferred shares
will trade on the New York Stock Exchange under the ticker symbols &ldquo;FHN PR B,&rdquo; &ldquo;FHN PR C&rdquo; and &ldquo;FHN
PR D,&rdquo; respectively.</P>

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

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

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0">This communication contains certain &quot;forward-looking statements&quot;
within the meaning of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933, as amended
(the &quot;Securities Act&quot;), and Section 21 E of the Securities Exchange Act of 1934, as amended, (the &quot;Exchange Act&quot;)
with respect to First Horizon's beliefs, plans, goals, expectations, and estimates. Forward-looking statements are not a representation
of historical information, but instead pertain to future operations, strategies, financial results or other developments. The words
&quot;believe,&quot; &quot;expect,&quot; &quot;anticipate,&quot; &quot;intend,&quot; &quot;estimate,&quot; &quot;should,&quot;
&quot;is likely,&quot; &quot;will,&quot; &quot;going forward&quot; and other expressions that indicate future events and trends
identify forward-looking statements.</P>

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<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0"></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0">Forward-looking statements are necessarily based upon estimates
and assumptions that are inherently subject to significant business, operational, economic and competitive uncertainties and contingencies,
many of which are beyond the control of First Horizon, and many of which, with respect to future business decisions and actions,
are subject to change and which could cause actual results to differ materially from those contemplated or implied by forward-looking
statements or historical performance. Examples of uncertainties and contingencies include factors previously disclosed in First
Horizon's reports filed with the U.S. Securities and Exchange Commission (the &quot;SEC&quot;), as well as the following factors,
among others: the outcome of any legal proceedings that may be instituted against First Horizon; First Horizon&rsquo;s success
in executing its business plans and strategies and managing the risks involved in its merger with IBERIABANK; the potential impacts
on First Horizon&rsquo;s businesses of the coronavirus COVID-19 pandemic, including negative impacts from quarantines, market declines
and volatility, and changes in customer behavior related to COVID-19; and other factors that may affect future results of First
Horizon.</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0">First Horizon cautions that the foregoing list of important
factors that may affect future results is not exhaustive. Additional, and more general, factors that could cause results to differ
materially from those contemplated by forward-looking statements can be found in First Horizon's Annual Report on Form 10-K for
the year ended December 31, 2019, and in its quarterly report on Form 10-Q for the period ended March 31, 2020, both filed with
the SEC and available in the &quot;Investor Relations&quot; section of First Horizon's website, http://www.FirstHorizon.com, under
the heading &quot;SEC Filings,&quot; and in other documents First Horizon has filed with the SEC, including its registration statement
on Form S-4 (reg. no. 333-235757) and filings related to that registration statement.</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">First Horizon National Corp. (NYSE:FHN), with $79 billion in assets,
is a leading regional financial services company, dedicated to strengthening the lives of our associates, clients, shareholders,
and communities. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates approximately 460 bank locations
in 11 states across the Southeast. With more than 288 years of combined First Horizon Bank and IBERIABANK financial experience,
the Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail
brokerage, capital markets, fixed income, mortgage, and title insurance services. First Horizon is recognized as one of the nation's
best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. bank. More information is available at www.FirstHorizon.com</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">FHN-G</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0"><B>CONTACT:</B>&#9;&nbsp;&nbsp;&nbsp;Investor Relations, Ellen Taylor (901) 523-4450</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-indent: 0.5in">Investor Relations, Aarti Bowman,
(901) 523-4017</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-indent: 0.5in">Media Relations, Silvia Alvarez, (901)
523-4465<BR>
<BR>
</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-indent: 3in">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">&nbsp;</P>

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



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

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>13
<FILENAME>fhn-20200629_lab.xml
<TEXT>
<XBRL>
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<!-- Created: Thu Jul 02 03:19:26 EDT 2020 -->
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<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>14
<FILENAME>fhn-20200629_pre.xml
<TEXT>
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    <dei:LocalPhoneNumber contextRef="c0">523-4444</dei:LocalPhoneNumber>
    <dei:WrittenCommunications contextRef="c0">false</dei:WrittenCommunications>
    <dei:SolicitingMaterial contextRef="c0">false</dei:SolicitingMaterial>
    <dei:PreCommencementTenderOffer contextRef="c0">false</dei:PreCommencementTenderOffer>
    <dei:PreCommencementIssuerTenderOffer contextRef="c0">false</dei:PreCommencementIssuerTenderOffer>
    <dei:Security12bTitle contextRef="c1">$0.625 Par Value Common Capital Stock</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="c1">FHN</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="c1">NYSE</dei:SecurityExchangeName>
    <dei:Security12bTitle contextRef="c2">Depositary Shares, each representing a 1/4,000th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series A</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="c2">FHN PR A</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="c2">NYSE</dei:SecurityExchangeName>
    <dei:Security12bTitle contextRef="c3">Depositary Shares, each representing a 1/400th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series B</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="c3">FHN PR B</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="c3">NYSE</dei:SecurityExchangeName>
    <dei:Security12bTitle contextRef="c4">Depositary Shares, each representing a 1/400th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series C</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="c4">FHN PR C</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="c4">NYSE</dei:SecurityExchangeName>
    <dei:Security12bTitle contextRef="c5">Depositary Shares, each representing a 1/400th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series D</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="c5">FHN PR D</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="c5">NYSE</dei:SecurityExchangeName>
    <dei:Security12bTitle contextRef="c6">Depositary Shares, each representing a 1/4,000th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series E</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="c6">FHN PR E</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="c6">NYSE</dei:SecurityExchangeName>
    <dei:EntityEmergingGrowthCompany contextRef="c0">false</dei:EntityEmergingGrowthCompany>
    <dei:AmendmentFlag contextRef="c0">false</dei:AmendmentFlag>
    <dei:CurrentFiscalYearEndDate contextRef="c0">--12-31</dei:CurrentFiscalYearEndDate>
    <dei:EntityCentralIndexKey contextRef="c0">0000036966</dei:EntityCentralIndexKey>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>17
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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</head>
<body>
<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139998877583464">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document And Entity Information<br></strong></div></th>
<th class="th"><div>Jun. 29, 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">Jun. 29,  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>
<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_SeriesBPreferredStockMember', window );">Series B Preferred Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">FHN PR B<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Depositary Shares, each representing a 1/400th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series B<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_SeriesCPreferredStockMember', window );">Series C 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 C<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 1/400th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series C<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesDPreferredStockMember', window );">Series D Preferred Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">FHN PR D<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Depositary Shares, each representing a 1/400th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series D<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_SeriesEPreferredStockMember', window );">Series E 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 E<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 E<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>
</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_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>
</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_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>
</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:gMonthDayItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentInformationLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentInformationLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></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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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
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<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>
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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> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<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>
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<td><strong> Balance Type:</strong></td>
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<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>
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<td>dei_</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<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>
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<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>
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<td>dei_</td>
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<td>xbrli:booleanItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<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>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_SeriesAPreferredStockMember</td>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
