<SEC-DOCUMENT>0000930413-21-001019.txt : 20210503
<SEC-HEADER>0000930413-21-001019.hdr.sgml : 20210503
<ACCEPTANCE-DATETIME>20210503162136
ACCESSION NUMBER:		0000930413-21-001019
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		20
CONFORMED PERIOD OF REPORT:	20210429
ITEM INFORMATION:		Material Modifications to Rights of Security Holders
ITEM INFORMATION:		Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20210503
DATE AS OF CHANGE:		20210503

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FIRST HORIZON 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:		21883850

	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 HORIZON NATIONAL CORP
		DATE OF NAME CHANGE:	20040422

	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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</div><p style="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><b>UNITED STATES</b><br/>
<b>SECURITIES AND EXCHANGE COMMISSION</b><br/>
<span style="font-size: 10pt; text-transform: uppercase"><b>Washington, DC 20549</b></span></p><div>

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

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

</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><b>Pursuant to Section 13 or 15(d) of the Securities
Exchange Act of 1934</b><br/>
Date of Report (Date of earliest event reported): <ix:nonNumeric contextRef="c0" format="ixt:datemonthdayyearen" name="dei:DocumentPeriodEndDate">April 29, 2021</ix:nonNumeric></p><div>

</div><p style="font: 16pt Times New Roman, Times, Serif; margin: 0; text-align: center"><ix:nonNumeric contextRef="c0" name="dei:EntityRegistrantName"><b>First Horizon Corporation</b></ix:nonNumeric></p><div>

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

</div><table cellpadding="0" cellspacing="0" style="width: 100%; border-collapse: collapse">
<tr style="vertical-align: top"> <td style="width: 35%; padding: 0.25pt; font: 12pt Times New Roman, Times, Serif; text-align: center"><ix:nonNumeric contextRef="c0" name="dei:EntityIncorporationStateCountryCode"><span style="font-size: 10pt"><b>TN</b></span></ix:nonNumeric><br/>
<span style="font-size: 10pt">(State or other Jurisdiction </span><br/>
<span style="font-size: 10pt">of Incorporation<b>)</b></span></td> <td style="width: 31%; padding: 0.25pt; font: 12pt Times New Roman, Times, Serif; text-align: center"><ix:nonNumeric contextRef="c0" name="dei:EntityFileNumber"><span style="font-size: 10pt"><b>001-15185</b></span></ix:nonNumeric><br/>
<span style="font-size: 10pt">(Commission File Number<b>)</b></span></td> <td style="width: 34%; padding: 0.25pt; font: 12pt Times New Roman, Times, Serif; text-align: center"><ix:nonNumeric contextRef="c0" name="dei:EntityTaxIdentificationNumber"><span style="font-size: 10pt"><b>62-0803242</b></span></ix:nonNumeric><br/>
<span style="font-size: 10pt">(IRS Employer</span><br/>
<span style="font-size: 10pt">Identification Number)</span></td></tr>
<tr style="vertical-align: top"> <td style="padding: 0.25pt">&#160;</td> <td style="padding: 0.25pt"> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><b><ix:nonNumeric contextRef="c0" name="dei:EntityAddressAddressLine1">165 Madison Avenue</ix:nonNumeric><br/> <ix:nonNumeric contextRef="c0" name="dei:EntityAddressCityOrTown">Memphis</ix:nonNumeric>, <ix:nonNumeric contextRef="c0" name="dei:EntityAddressStateOrProvince">TN</ix:nonNumeric> <ix:nonNumeric contextRef="c0" name="dei:EntityAddressPostalZipCode">38103</ix:nonNumeric></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Address of Principal Executive<br/> Offices) (Zip Code)</p></td> <td style="padding: 0.25pt">&#160;</td></tr>
</table><div>
</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><b>(<ix:nonNumeric contextRef="c0" name="dei:CityAreaCode">901</ix:nonNumeric>) <ix:nonNumeric contextRef="c0" name="dei:LocalPhoneNumber">523-4444</ix:nonNumeric></b></p><div>

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

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

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

</div><table cellpadding="0" cellspacing="0" style="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<tr style="vertical-align: top"> <td style="width: 33px; border-top: black 1px solid; border-bottom: black 1px solid; border-left: black 1px solid; padding: 0.4pt 3.4pt 10.4pt; text-align: center"><ix:nonNumeric contextRef="c0" format="ixt-sec:boolballotbox" name="dei:WrittenCommunications"><span>&#9744;</span></ix:nonNumeric></td> <td style="border-top: black 1px solid; border-right: black 1px solid; border-bottom: black 1px solid; border-left: black 1px solid; padding: 0.4pt 3.4pt 10.4pt 3.25pt">Written communication pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</td></tr>
<tr style="vertical-align: top"> <td style="border-bottom: black 1px solid; border-left: black 1px solid; padding: 0.25pt 3.4pt 10.4pt; text-align: center"><ix:nonNumeric contextRef="c0" format="ixt-sec:boolballotbox" name="dei:SolicitingMaterial"><span>&#9744;</span></ix:nonNumeric></td> <td style="border-bottom: black 1px solid; border-left: black 1px solid; padding: 0.25pt 3.4pt 10.4pt 3.25pt; border-right: black 1px solid">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</td></tr>
<tr style="vertical-align: top"> <td style="border-bottom: black 1px solid; border-left: black 1px solid; padding: 0.25pt 3.4pt 10.4pt; text-align: center"><ix:nonNumeric contextRef="c0" format="ixt-sec:boolballotbox" name="dei:PreCommencementTenderOffer"><span>&#9744;</span></ix:nonNumeric></td> <td style="border-bottom: black 1px solid; border-left: black 1px solid; padding: 0.25pt 3.4pt 10.4pt 3.25pt; border-right: black 1px solid">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</td></tr>
<tr style="vertical-align: top"> <td style="border-bottom: black 1px solid; border-left: black 1px solid; padding: 0.25pt 3.4pt 10.4pt; text-align: center"><ix:nonNumeric contextRef="c0" format="ixt-sec:boolballotbox" name="dei:PreCommencementIssuerTenderOffer"><span>&#9744;</span></ix:nonNumeric></td> <td style="border-bottom: black 1px solid; border-left: black 1px solid; padding: 0.25pt 3.4pt 10.4pt 3.25pt; border-right: black 1px solid">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</td></tr>
</table><div>
</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 27.35pt; text-indent: -27.35pt">Securities registered pursuant to Section
12(b) of the Act:</p><div>

</div><table cellpadding="0" cellspacing="0" style="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<tr> <td style="width: 59%; border-top: black 1px solid; border-bottom: black 1px solid; border-left: black 1px solid; padding: 1.4pt 0.4pt; text-align: center"><b>Title of Each Class</b></td> <td style="width: 11%; border-top: black 1px solid; border-bottom: black 1px solid; border-left: black 1px solid; padding: 1.4pt 0.4pt 1.4pt 0.25pt; text-align: center"><b>Trading</b><br/> <b>Symbol(s)</b></td> <td style="width: 30%; border-top: black 1px solid; border-right: black 1px solid; border-bottom: black 1px solid; border-left: black 1px solid; padding: 1.4pt 0.4pt 1.4pt 0.25pt; text-align: center"><b>Name of Exchange on which</b><br/> <b>Registered</b></td></tr>
<tr style="vertical-align: top"> <td style="border-bottom: black 1px solid; border-left: black 1px solid; padding: 1.25pt 0.4pt 1.4pt"><ix:nonNumeric contextRef="c1" name="dei:Security12bTitle">$0.625 Par Value Common Capital Stock</ix:nonNumeric></td> <td style="border-bottom: black 1px solid; border-left: black 1px solid; padding: 1.25pt 0.4pt 1.4pt 0.25pt; text-align: center"><ix:nonNumeric contextRef="c1" name="dei:TradingSymbol">FHN</ix:nonNumeric></td> <td style="border-bottom: black 1px solid; border-left: black 1px solid; padding: 1.25pt 0.4pt 1.4pt 0.25pt; border-right: black 1px solid; text-align: center"><ix:nonNumeric contextRef="c1" format="ixt-sec:exchnameen" name="dei:SecurityExchangeName">New York Stock Exchange LLC</ix:nonNumeric></td></tr>
<tr> <td style="vertical-align: top; border-bottom: black 1px solid; border-left: black 1px solid; padding: 1.25pt 0.4pt 1.4pt"><ix:nonNumeric contextRef="c2" name="dei:Security12bTitle">Depositary Shares, each representing a 1/4,000<sup>th</sup> interest in a share of Non-Cumulative Perpetual Preferred Stock, Series A</ix:nonNumeric></td> <td style="border-bottom: black 1px solid; border-left: black 1px solid; padding: 1.25pt 0.4pt 1.4pt 0.25pt; text-align: center"><ix:nonNumeric contextRef="c2" name="dei:TradingSymbol">FHN PR A</ix:nonNumeric></td> <td style="border-bottom: black 1px solid; border-left: black 1px solid; padding: 1.25pt 0.4pt 1.4pt 0.25pt; border-right: black 1px solid; text-align: center"><ix:nonNumeric contextRef="c2" format="ixt-sec:exchnameen" name="dei:SecurityExchangeName">New York Stock Exchange LLC</ix:nonNumeric></td></tr>
<tr> <td style="vertical-align: top; border-bottom: black 1px solid; border-left: black 1px solid; padding: 1.25pt 0.4pt 1.4pt"><ix:nonNumeric contextRef="c3" name="dei:Security12bTitle">Depositary Shares, each representing a 1/400<sup>th</sup> interest in a share of Non-Cumulative Perpetual Preferred Stock, Series B</ix:nonNumeric></td> <td style="border-bottom: black 1px solid; border-left: black 1px solid; padding: 1.25pt 0.4pt 1.4pt 0.25pt; text-align: center"><ix:nonNumeric contextRef="c3" name="dei:TradingSymbol">FHN PR B</ix:nonNumeric></td> <td style="border-bottom: black 1px solid; border-left: black 1px solid; padding: 1.25pt 0.4pt 1.4pt 0.25pt; border-right: black 1px solid; text-align: center"><ix:nonNumeric contextRef="c3" format="ixt-sec:exchnameen" name="dei:SecurityExchangeName">New York Stock Exchange LLC</ix:nonNumeric></td></tr>
<tr> <td style="vertical-align: top; border-bottom: black 1px solid; border-left: black 1px solid; padding: 1.25pt 0.4pt 1.4pt"><ix:nonNumeric contextRef="c4" name="dei:Security12bTitle">Depositary Shares, each representing a 1/400<sup>th</sup> interest in a share of Non-Cumulative Perpetual Preferred Stock, Series C</ix:nonNumeric></td> <td style="border-bottom: black 1px solid; border-left: black 1px solid; padding: 1.25pt 0.4pt 1.4pt 0.25pt; text-align: center"><ix:nonNumeric contextRef="c4" name="dei:TradingSymbol">FHN PR C</ix:nonNumeric></td> <td style="border-bottom: black 1px solid; border-left: black 1px solid; padding: 1.25pt 0.4pt 1.4pt 0.25pt; border-right: black 1px solid; text-align: center"><ix:nonNumeric contextRef="c4" format="ixt-sec:exchnameen" name="dei:SecurityExchangeName">New York Stock Exchange LLC</ix:nonNumeric></td></tr>
<tr> <td style="vertical-align: top; border-bottom: black 1px solid; border-left: black 1px solid; padding: 1.25pt 0.4pt 1.4pt"><ix:nonNumeric contextRef="c5" name="dei:Security12bTitle">Depositary Shares, each representing a 1/400<sup>th</sup> interest in a share of Non-Cumulative Perpetual Preferred Stock, Series D</ix:nonNumeric></td> <td style="border-bottom: black 1px solid; border-left: black 1px solid; padding: 1.25pt 0.4pt 1.4pt 0.25pt; text-align: center"><ix:nonNumeric contextRef="c5" name="dei:TradingSymbol">FHN PR D</ix:nonNumeric></td> <td style="border-bottom: black 1px solid; border-left: black 1px solid; padding: 1.25pt 0.4pt 1.4pt 0.25pt; border-right: black 1px solid; text-align: center"><ix:nonNumeric contextRef="c5" format="ixt-sec:exchnameen" name="dei:SecurityExchangeName">New York Stock Exchange LLC</ix:nonNumeric></td></tr>
<tr> <td style="vertical-align: top; border-bottom: black 1px solid; border-left: black 1px solid; padding: 1.25pt 0.4pt 1.4pt"><ix:nonNumeric contextRef="c6" name="dei:Security12bTitle">Depositary Shares, each representing a 1/4,000<sup>th</sup> interest in a share of Non-Cumulative Perpetual Preferred Stock, Series E</ix:nonNumeric></td> <td style="border-bottom: black 1px solid; border-left: black 1px solid; padding: 1.25pt 0.4pt 1.4pt 0.25pt; text-align: center"><ix:nonNumeric contextRef="c6" name="dei:TradingSymbol">FHN PR E</ix:nonNumeric></td> <td style="border-bottom: black 1px solid; border-left: black 1px solid; padding: 1.25pt 0.4pt 1.4pt 0.25pt; border-right: black 1px solid; text-align: center"><ix:nonNumeric contextRef="c6" format="ixt-sec:exchnameen" name="dei:SecurityExchangeName">New York Stock Exchange LLC</ix:nonNumeric></td></tr>
</table><div>

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</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0; border-top: Black 1px solid; padding-top: 2pt">Indicate by check mark whether the registrant
is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule 12b-2
of the Securities Exchange Act of 1934 (&#167;240.12b-2 of this chapter).</p><div>

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

</div><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 style="font-family: Segoe UI Symbol,sans-serif"><span>&#9744;</span></span></p><div>

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    </div><div style="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><table cellpadding="0" cellspacing="0" style="width: 100%; font: 10pt Times New Roman, Times, Serif"><tr><td style="text-align: left; width: 100%"></td></tr></table></div><div>
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</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 41.75pt; text-indent: -41.75pt"><b>Item 3.03. Material Modification to
Rights of Security Holders.</b></p><div>

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

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

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

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

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

</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">On April 29, 2021, the Company filed the Articles of
Amendment (the &#8220;Articles of Amendment&#8221;) to its Restated Charter, as amended, with the Secretary of State of the State
of Tennessee, establishing the preferences, limitations and relative rights of the Series F Preferred Stock. The Articles of Amendment
became effective upon filing, and a copy is filed as Exhibit 3.1 and is incorporated herein by reference.</p><div>

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

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

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

</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">On May 3, 2021, the Company completed the sale of 6,000,000
depositary shares (the &#8220;Depositary Shares&#8221;), each representing a 1/4,000th interest in a share of Series F Preferred
Stock, pursuant to an Underwriting Agreement (the &#8220;Underwriting Agreement&#8221;), dated April 28, 2021, between the Company,
on the one hand, and Morgan Stanley&#160;&amp; Co. LLC, BofA Securities, Inc., J.P. Morgan Securities LLC, Keefe, Bruyette&#160;&amp; Woods,
Inc., RBC Capital Markets, LLC and Wells Fargo Securities, LLC, as representatives of the underwriters, on the other hand. The
offering and sale of the Depositary Shares was made pursuant to the Company&#8217;s Registration Statement on Form S-3 (File No.
333-229338) filed with the Securities and Exchange Commission.</p><div>

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

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

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

</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">The Deposit Agreement, dated as of May 3, 2021, by and
among the Company, Equiniti Trust Company, as depositary, and the holders from time to time of the depositary receipts described
therein, is filed as Exhibit 4.1 and is incorporated by reference herein. The form of certificate representing the Series F Preferred
Stock is filed as Exhibit 4.2 and is incorporated by reference herein. The form of depositary receipt representing the Depositary
Shares is filed as Exhibit 4.3 and is incorporated by reference herein.</p><div>

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

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

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

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

</div><table cellpadding="0" cellspacing="0" style="width: 100%; font-size: 12pt">
<tr style="vertical-align: top">
    <td style="width: 29px; font-family: Times New Roman,serif"><span style="font-size: 10pt">(d)</span></td>
    <td style="font-family: Times New Roman,serif"><span style="font-size: 10pt">Exhibits</span></td></tr>
</table><div>
</div><table cellpadding="0" cellspacing="0" style="width: 100%; border-collapse: collapse; font-size: 12pt">
<tr style="vertical-align: top">
    <td style="width: 83px; padding: 0.25pt; font-family: Times New Roman,serif"><span style="font-size: 10pt"><span style="text-decoration:underline">Exhibit #</span></span></td>
    <td style="padding: 0.25pt; font-family: Times New Roman,serif"><span style="font-size: 10pt"><span style="text-decoration:underline">Description</span></span></td></tr>
</table><div>

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    <td style="padding: 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><a href="c101664_ex1-1.htm">Underwriting Agreement, dated April 28, 2021, between the Company, on the one hand, and Morgan Stanley&#160;&amp; Co. LLC, BofA Securities, Inc., J.P. Morgan Securities LLC, Keefe, Bruyette&#160;&amp; Woods, Inc, RBC Capital Markets, LLC and Wells Fargo Securities, LLC, as representatives of the underwriters, on the other hand, relating to the purchase of the Depositary Shares.</a></td></tr>
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    <td style="padding: 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><a href="c101664_ex4-1.htm">Deposit Agreement, dated as of May 3, 2021, by and among the Company, Equiniti Trust Company, as depositary, and the holders from time to time of depositary receipts described therein.</a></td></tr>
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    <td style="padding: 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><a href="c101664_ex5-1.htm">Opinion of Charles T. Tuggle, Jr.</a></td></tr>
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    <td style="padding: 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0">5.2</td>
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    <td style="padding: 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><a href="c101664_ex5-1.htm" style="-sec-extract: exhibit">Consent of Charles T. Tuggle, Jr. (included in Exhibit 5.1).</a></td></tr>
<tr style="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <td style="padding: 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0">23.2</td>
    <td style="padding: 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><a href="c101664_ex5-2.htm">Consent of Sullivan&#160;&amp; Cromwell LLP (included in Exhibit 5.2).</a></td></tr>
<tr style="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
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    <td style="padding: 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><a href="c101664_ex23-3.htm" style="-sec-extract: exhibit">Consent of Independent Registered Public Accounting Firm</a></td></tr>
<tr style="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <td style="padding: 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0">104</td>
    <td style="padding: 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0">Cover Page Interactive
    Data File, formatted in Inline XBRL</td></tr>
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</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><b>SIGNATURES</b></p><div>

</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">Pursuant to the requirements of the Securities Exchange
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</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&#160;</p><div>

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</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0">Date: May 3, 2021</p><div>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: right"><B>Exhibit 1.1</B></P>

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

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

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

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

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

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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">UNDERWRITING AGREEMENT</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-top: 0pt; margin-bottom: 0pt; text-align: center">April 28, 2021</P>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0; text-align: right">April 28, 2021</P>

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">J.P. Morgan Securities LLC <BR>
Keefe, Bruyette&nbsp;&amp; Woods,
Inc. <BR>
RBC Capital Markets, LLC <BR>
Wells Fargo Securities, LLC </P>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">c/o Keefe, Bruyette&nbsp;&amp;
Woods, Inc.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">787 Seventh Avenue, 4th Floor</P>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">c/o RBC Capital Markets, LLC</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Brookfield Place <BR>
200 Vesey Street,
8th Floor <BR>
New York, New York 10281</P>

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

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

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

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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">First Horizon Corporation, a Tennessee corporation
(the &ldquo;<U>Company</U>&rdquo;), proposes to issue and sell to the underwriters named in <U>Schedule A </U>annexed hereto (the
&ldquo;<U>Underwriters</U>&rdquo;), for whom you are acting as representatives (the &ldquo;<U>Representatives</U>&rdquo;), an aggregate
of 6,000,000 depositary shares (the &ldquo;<U>Shares</U>&rdquo;), each representing a 1/4,000th interest in a share of its Non-Cumulative
Perpetual Preferred Stock, Series F, no par value and liquidation preference $100,000 per share (the &ldquo;<U>Preferred Stock</U>&rdquo;).
The Shares are described in the Prospectus which is referred to below. The Preferred Stock, when issued, will be deposited against
delivery of depositary receipts (the &ldquo;<U>Depositary Receipts</U>&rdquo;), which will evidence the Shares and will be issued
by Equiniti Trust</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Company (the &ldquo;<U>Depositary</U>&rdquo;) under a deposit
agreement, to be dated May 3, 2021 (the &ldquo;<U>Deposit Agreement</U>&rdquo;), among the Company, the Depositary and the holders
from time to time of the Depositary Receipts issued thereunder. The terms of the Preferred Stock will be set forth in the Articles
of Amendment (the &ldquo;<U>Articles of Amendment</U>&rdquo;) to the Restated Charter of the Company to be filed by the Company
with the Secretary of State of the State of Tennessee prior to the date of the closing of the purchase of the Shares.</P>

<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: 1in; text-align: justify">The Company has prepared and filed, in accordance
with the provisions of the Securities Act of 1933, as amended, and the rules and regulations thereunder (collectively, the &ldquo;<U>Act</U>&rdquo;),
with the Securities and Exchange Commission (the &ldquo;<U>Commission</U>&rdquo;) a registration statement on Form S-3 (File No.
333-229338) under the Act (the &ldquo;<U>registration statement</U>&rdquo;), including a prospectus, which registration statement
incorporates by reference documents which the Company has filed, or will file, in accordance with the provisions of the Securities
Exchange Act of 1934, as amended, and the rules and regulations thereunder (collectively, the &ldquo;<U>Exchange Act</U>&rdquo;).
Such registration statement has become effective under the Act.</P>

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">The Company has furnished to you, for use
by the Underwriters and by dealers in connection with the offering of the Shares, copies of one or more preliminary prospectus
supplements, and the documents incorporated by reference therein, relating to the Shares. Except where the context otherwise requires,
&ldquo;<U>Pre-Pricing Prospectus</U>,&rdquo; as used herein, means each such preliminary prospectus supplement, in the form so
furnished, including any basic prospectus (whether or not in preliminary form) furnished to you by the Company and attached to
or used with such preliminary prospectus supplement. Except where the context otherwise requires, &ldquo;<U>Basic Prospectus</U>,&rdquo;
as used herein, means any such basic prospectus and any basic prospectus furnished to you by the Company and attached to or used
with the Prospectus Supplement (as defined below).</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">Except where the context otherwise requires,
&ldquo;<U>Prospectus Supplement</U>,&rdquo; as used herein, means the final prospectus supplement, relating to the Shares, filed
by the Company with the Commission pursuant to Rule 424(b) under the Act on or before the second business day after the date hereof
(or such earlier time as may be required under the Act), in the form furnished by the Company to you for use by the Underwriters
and by dealers in connection with the offering of the Shares.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">Except where the context otherwise requires,
&ldquo;<U>Prospectus</U>,&rdquo; as used herein, means the Prospectus Supplement together with the Basic Prospectus attached to
or used with the Prospectus Supplement.</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">&ldquo;<U>Permitted Free Writing Prospectuses</U>,&rdquo;
as used herein, means the documents listed on <U>Schedule B </U>attached hereto and each &ldquo;road show&rdquo; (as defined in
Rule 433 under the Act), if any, related to the offering of the Shares contemplated hereby that is a &ldquo;written communication&rdquo;
(as defined in Rule 405 under the Act). Each Underwriter represents, warrants, and agrees that it has not and will not use, authorize
use of, refer to, or participate in the planning for use of, any written communication that constitutes an offer to sell or the
solicitation of an offer to buy the Shares, other than (A) a Permitted Free Writing Prospectus, (B) such communications which do
not conflict with the Registration Statement, the Basic Prospectus, each Pre-Pricing Prospectus or the Prospectus and which would
constitute an underwriter &ldquo;free writing prospectus&rdquo; (as defined in Rule 405 of the Act) that is not required to be
filed by the Underwriters with the Commission pursuant to Rule 433 under the Act, (C) any written communication listed on <U>Schedule
B </U>or (D) any written communication prepared by such Underwriter and approved in writing by the Company in advance.</P>

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">&ldquo;<U>Pricing Disclosure Package</U>,&rdquo;
as used herein, means the Pre-Pricing Prospectus, taken together with the Final Term Sheet, dated April 28, 2021, substantially
in the form of <U>Exhibit A </U>hereto.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">Any reference herein to the registration statement,
the Registration Statement, any Basic Prospectus, any Pre-Pricing Prospectus, the Prospectus Supplement, the Prospectus or any
Permitted Free Writing Prospectus shall be deemed to refer to and include the documents, if any, incorporated by reference, or
deemed to be incorporated by reference, therein (the &ldquo;<U>Incorporated Documents</U>&rdquo;), including, unless the context
otherwise requires, the documents, if any, filed as exhibits to such Incorporated Documents. Any reference herein to the terms
&ldquo;<U>amend</U>,&rdquo; &ldquo;<U>amendment</U>&rdquo; or &ldquo;<U>supplement</U>&rdquo; with respect to the Registration
Statement, any Basic Prospectus, any Pre-Pricing Prospectus, the Prospectus Supplement, the Prospectus or any Permitted Free Writing
Prospectus shall be deemed to refer to and include the filing of any document under the Exchange Act on or after the initial effective
date of the Registration Statement, or the date of such Basic Prospectus, such Pre-Pricing Prospectus, the Prospectus Supplement,
the Prospectus or such Permitted Free Writing Prospectus, as the case may be, and deemed to be incorporated therein by reference.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">As used in this Agreement, &ldquo;<U>business
day</U>&rdquo; shall mean a day on which the New York Stock Exchange (the &ldquo;<U>NYSE</U>&rdquo;) is open for trading. The terms
&ldquo;herein,&rdquo; &ldquo;hereof,&rdquo; &ldquo;hereto,&rdquo; &ldquo;hereinafter&rdquo; and similar terms, as used in this
Agreement, shall in each case refer to this Agreement as a whole and not to any particular section, paragraph, sentence or other
subdivision of this Agreement. The term &ldquo;or,&rdquo; as used herein, is not exclusive.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">The Company and the Underwriters agree as follows:</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: 0.5in">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Sale and Purchase</U></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">Upon the basis of the representations and
warranties and subject to the terms and conditions herein set forth, the Company agrees to issue and sell to the respective Underwriters
and each of the Underwriters, severally and not jointly, agrees to purchase from the Company the number of Shares set forth opposite
the name of such Underwriter in <U>Schedule A </U>attached hereto, subject to adjustment in accordance with Section 8 hereof, in
each case at a purchase price of (i) $24.6250 per Share for 2,284,500 Shares sold to institutional investors and (ii) $24.2125
per Share for 3,715,500 Shares sold to other investors.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">The Company is advised by you that the Underwriters
intend (i) to make a public offering of their respective portions of the Shares as soon after the effectiveness of this Agreement
as in your judgment is advisable and (ii) initially to offer the Shares upon the terms set forth in the Prospectus. You may from
time to time increase or decrease the public offering price after the initial public offering to such extent as you may determine.
Upon the authorization by the Company of the release of the Shares, the several Underwriters agree to offer the Shares for sale
in accordance with the terms and conditions set forth in the Prospectus.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Payment and Delivery</U></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: 1in; text-align: justify">Payment of the purchase price for the Shares
shall be made to the Company by Federal Funds same-day wire transfer against delivery of the certificates for the Shares to you
through the facilities of The Depository Trust Company (&ldquo;<U>DTC</U>&rdquo;) for the respective accounts of the Underwriters.
Such payment and delivery shall be made, with respect to the Shares, at 10:00 A.M., New York City time, on May 3, 2021 (unless
another time shall be agreed to by you and the Company or unless postponed in accordance with the provisions of Section 8 hereof).
The time at which such payment and delivery of the Shares are to be made is hereinafter sometimes called the &ldquo;time of purchase&rdquo;.
Electronic transfer of the Shares shall be made to you at the time of purchase through DTC in such names and in such denominations
as the Representatives shall specify.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">Deliveries of the documents described in Section
6 hereof with respect to the time of purchase of the Shares shall be made at the offices of Sullivan&nbsp;&amp; Cromwell LLP at
125 Broad Street, New York, NY 10004, at 9:00 A.M., New York City time, on the date of the closing of the purchase of the Shares.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Representations and Warranties of the Company</U></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: 1in; text-align: justify">The Company represents and warrants to, and
agrees with, each of the Underwriters that:</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: .5in; text-align: justify">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the Registration Statement has heretofore become effective under the Act; no stop
order of the Commission preventing or suspending the use of any Basic Prospectus, any Pre-Pricing Prospectus, the Prospectus Supplement,
the Prospectus or any Permitted Free Writing Prospectus, or the effectiveness of the Registration Statement, has been issued, and
no proceedings for such purpose have been instituted or, to the Company&rsquo;s knowledge, are contemplated by the Commission;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: .5in; text-align: justify">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the Registration Statement complied when it became effective, complies as of the date hereof and, as amended or supplemented,
at the time of purchase, in all material respects, with the requirements of the Act; the conditions to the use of Form S-3 in connection
with the offering</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">and sale of the Shares as contemplated hereby have been satisfied;
the Registration Statement constitutes an &ldquo;automatic shelf registration statement&rdquo; (as defined in Rule 405 under the
Act); the Company has not received, from the Commission, a notice, pursuant to Rule 401(g)(2), of objection to the use of the automatic
shelf registration statement form; as of the determination date applicable to the Registration Statement (and any amendment thereto),
the Company was a &ldquo;well-known seasoned issuer&rdquo; as defined in Rule 405 under the Act; the Registration Statement meets,
and the offering and sale of the Shares as contemplated hereby complies with, the requirements of Rule 415 under the Act (including,
without limitation, Rule 415(a)(5) under the Act); the Registration Statement did not, as of the Effective Time, contain any untrue
statement of a material fact or omit to state a material fact required to be stated therein or necessary to make the statements
therein not misleading; each Pre-Pricing Prospectus complied, as of its date and at the time it was filed with the Commission,
and complies, as of the date hereof, in all material respects with the requirements of the Act; as of the date such Pre-Pricing
Prospectus was filed with the Commission, as of the date of the Pre-Pricing Prospectus and at the time of purchase, the Pre-Pricing
Prospectus, as then amended or supplemented, did not and will not include an untrue statement of a material fact or omit to state
a material fact necessary in order to make the statements therein, in the light of the circumstances under which they were made,
not misleading, and at 4:35 P.M., New York City time, on April 28, 2021 <U>(the &ldquo;Applicabl</U>e Time&rdquo;), the Pricing
Disclosure Package did not include an untrue statement of a material fact or omit to state a material fact necessary in order to
make the statements therein, in the light of the circumstances under which they were made, not misleading; each Basic Prospectus
complied or will comply, as of its date and the date it was or will be filed with the Commission, in all material respects, with
the requirements of the Act; as of the date of the Basic Prospectus, the date the Basic Prospectus was filed with the Commission
and at the time of purchase the Basic Prospectus, as then amended or supplemented (including with the Prospectus Supplement), did
not and will not include an untrue statement of a material fact or omit to state a material fact necessary in order to make the
statements therein, in the light of the circumstances under which they were made, not misleading, and at the Applicable Time, the
Basic Prospectus, as then amended or supplemented (including with the Pre-Pricing Prospectus), together with the Pricing Disclosure
Package, did not include an untrue statement of a material fact or omit to state a material fact necessary in order to make the
statements therein, in the light of the circumstances under which they were made, not misleading; each of the Prospectus Supplement
and the Prospectus will comply, as of the date that it is filed with the Commission, the date of the Prospectus Supplement, and,
as amended or supplemented, at the time of purchase, in all material respects, with the requirements of the Act (in the case of
the Prospectus, including, without limitation, Section 10(a) of the Act); at the date of the Prospectus Supplement, the date the
Prospectus Supplement is filed with the Commission and at the time of purchase, the Prospectus Supplement or the Prospectus, as
then amended or supplemented, did not include an untrue statement of a material fact or omit to state a material fact necessary
in order to make the statements therein, in the light of the circumstances under which they were made, not misleading; each Permitted
Free Writing Prospectus, as supplemented by and taken together with the Pricing Disclosure Package, as of the Applicable Time,
did not include an untrue statement of a material fact or omit to state a material fact necessary in order to make the statements
therein, in the light of the circumstances under which they were made, not misleading; <U>provided</U>, <U>however, </U>that the
Company makes no representation or warranty in this Section 3(b) with respect to any statement contained in the Registration Statement,
any Pre-Pricing Prospectus, the Pricing Disclosure Package, the Prospectus or any Permitted Free Writing Prospectus in reliance
upon and in</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; margin-left: 0; text-indent: 0; text-align: justify">conformity
with information concerning an Underwriter and furnished in writing by or on behalf of such Underwriter through you to the Company
expressly for use in the Registration Statement, such Pre-Pricing Prospectus, the Pricing Disclosure Package, the Prospectus or
such Permitted Free Writing Prospectus; each Incorporated Document, at the time such document was filed, or will be filed, with
the Commission or at the time such document became or becomes effective, as applicable, complied or will comply, in all material
respects, with the requirements of the Exchange Act, and did not or will not, as applicable, include an untrue statement of a
material fact or omit to state a material fact necessary in order to make the statements therein, in the light of the circumstances
under which they were made, not misleading; and each Covered Free Writing Prospectus does not conflict with the information contained
in the Registration Statement, the Pre-Pricing Prospectus or the Prospectus;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; margin-left: 0; text-indent: 10pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: .5in; text-align: justify">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;prior to the execution of this Agreement, the
Company has not, directly or indirectly, offered or sold any Shares by means of any &ldquo;prospectus&rdquo; (within the meaning
of the Act) or used any &ldquo;prospectus&rdquo; (within the meaning of the Act) in connection with the offer or sale of the Shares,
in each case other than the Pre-Pricing Prospectuses and the Permitted Free Writing Prospectuses, if any; the Company has not,
directly or indirectly, prepared, used or referred to any Permitted Free Writing Prospectus relating to the Shares except in compliance
with Rule 163 or with Rules 164 and 433 under the Act; assuming that such Permitted Free Writing Prospectus is so sent or given
after the Registration Statement was filed with the Commission (and after such Permitted Free Writing Prospectus was, if required
pursuant to Rule 433(d) under the Act, filed with the Commission), the sending or giving, by any Underwriter, of any Permitted
Free Writing Prospectus will satisfy the provisions of Rule 164 and Rule 433; the conditions set forth in one or more of subclauses
(i) through (iv), inclusive, of Rule 433(b)(1) under the Act are satisfied, and the registration statement relating to the offering
of the Shares contemplated hereby, as initially filed with the Commission, includes a prospectus that, other than by reason of
Rule 433 or Rule 431 under the Act, satisfies the requirements of Section 10 of the Act; the Company is not disqualified, by reason
of subsection (f) or (g) of Rule 164 under the Act, from using, in connection with the offer and sale of the Shares, &ldquo;free
writing prospectuses&rdquo; (as defined in Rule 405 under the Act) pursuant to Rules 164 and 433 under the Act; the Company is
not an &ldquo;ineligible issuer&rdquo; (as defined in Rule 405 under the Act) as of the eligibility determination date for purposes
of Rules 164 and 433 under the Act with respect to the offering of the Shares contemplated by the Registration Statement, without
taking into account any determination by the Commission pursuant to Rule 405 under the Act that it is not necessary under the
circumstances that the Company be considered an &ldquo;ineligible issuer&rdquo;; the parties hereto agree and understand that
the content of any and all &ldquo;road shows&rdquo; (as defined in Rule 433 under the Act) related to the offering of the Shares
contemplated hereby is solely the property of the Company;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the Company has an authorized and outstanding capitalization as
set forth in the Pre-Pricing Prospectus and the Prospectus; all of the issued and outstanding shares of capital stock of the Company
have been duly authorized and validly issued and are fully paid and non-assessable;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the Articles of Amendment has been duly
authorized by the Company; the Articles of Amendment sets forth the relative rights, preferences and limitations of the Preferred
Stock, and the holders of the Preferred Stock will have the relative rights, preferences and limitations set forth in the Articles
of Amendment;</P>


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the Company has been duly incorporated
and is validly existing as a corporation in good standing under the laws of the State of Tennessee, with full corporate power and
authority to own, lease and operate its properties and conduct its business as described in the Registration Statement, the Pre-Pricing
Prospectuses, the Prospectus and the Permitted Free Writing Prospectuses, if any, to execute and deliver this Agreement and the
Deposit Agreement, to execute and file the Articles of Amendment with the Secretary of State of the State of Tennessee and to issue,
sell and deliver the Shares as contemplated herein and in the Deposit Agreement; and the Company is duly qualified to do business
as a foreign corporation and is in good standing in each jurisdiction where the ownership or leasing of its properties or the conduct
of its business requires such qualification, except where the failure to be so qualified and in good standing would not, individually
or in the aggregate, have a material adverse effect on the business, properties, financial condition, results of operations or
prospects of the Company and its subsidiaries taken as a whole (a &ldquo;<U>Material Adverse Effect</U>&rdquo;);</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the Company
is registered as a bank holding company and qualified as a financial holding company under the Bank Holding Company Act of 1956,
as amended; and each of the Company and First Horizon Bank, a Tennessee chartered bank (the &ldquo;Bank&rdquo;), is in substantial
compliance with, and conduct their respective businesses in substantial conformity with, all applicable laws and governmental regulations
governing bank holding companies, banks and subsidiaries of bank holding companies, respectively, except failures to comply or
be in conformity with such laws and regulations that could not, individually or in the aggregate, reasonably be expected to result
in a Material Adverse Effect;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
Bank has been duly organized and is validly existing as a state-chartered bank under the laws of the State of Tennessee; the
Bank is an insured bank under the applicable provisions of the Federal Deposit Insurance Act, as amended (the &ldquo;<U>FDI
Act</U>&rdquo;); the Bank&rsquo;s deposits are insured by the Federal Deposit Insurance Corporation (the
&ldquo;<U>FDIC</U>&rdquo;) to the fullest extent of applicable law and no proceeding for the termination or revocation
of such insurance is pending or, to the knowledge of the Company, threatened against the Bank; the Company, as of the date
hereof, has no direct or indirect subsidiaries, other than the Bank, that are depositary institutions with deposits insured
under the provisions of the FDI Act; except as disclosed in the Registration Statement, any Pre-Pricing Prospectus or the
Prospectus, the Company owns directly or indirectly all of the outstanding capital stock of each subsidiary of the Company
having total assets equal to or exceeding 10% of the total assets of the Company and its subsidiaries on a consolidated basis
(each, a &ldquo;Significant Subsidiary&rdquo; as listed on <U>Schedule C</U> hereto) subject to no security interest, other
encumbrance or adverse claims; each Significant Subsidiary has been duly constituted and is validly existing as a
corporation, limited liability company, state-chartered member bank or banking trust, as applicable, in good standing under
the laws of the jurisdiction of its incorporation or formation, as applicable, with full corporate power and authority to
own, lease and operate its properties and to conduct its business as described in the Registration Statement, the Pre-Pricing
Prospectuses, the Prospectus and the Permitted Free Writing Prospectuses, if any; each Significant Subsidiary is duly
qualified to do business as a foreign corporation, limited liability company or business trust, as applicable, and is in good
standing in each jurisdiction where the ownership or leasing of its properties or the conduct of its business requires
such qualification, except where the failure to be so qualified and in good standing would not, individually or in the
aggregate, have a Material Adverse Effect;</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the Preferred Stock has been duly and
validly authorized and, when issued and delivered against payment therefor as provided herein and in the Deposit Agreement, will
be duly and validly issued, fully paid and non-assessable and conforms or will conform, in all material respects, to the description
thereof contained in the Registration Statement, the Pre-Pricing Prospectuses, the Pricing Disclosure Package and the Prospectus;
the Shares have been duly and validly authorized by the Company and, when issued and delivered to the Underwriters against payment
therefor and the Depositary Receipts have been duly executed and delivered by the Depositary, in accordance with this Agreement
and the Deposit Agreement, the Shares will be duly and validly issued and the holders of the Shares will be entitled to the benefits
of the Deposit Agreement and the Depositary Receipts; and the Shares will conform in all material respects to the description thereof
contained in the Registration Statement, the Pre-Pricing Prospectuses, the Pricing Disclosure Package and the Prospectus;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;this
Agreement has been duly authorized, executed and delivered by the Company;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the Deposit Agreement has been duly authorized and,
when validly executed and delivered by the Company and the Depositary, will constitute a legal, valid and binding agreement of
the Company, enforceable against the Company in accordance with its terms, subject to bankruptcy, insolvency, fraudulent transfer,
reorganization, moratorium and similar laws of general applicability relating to or affecting creditors&rsquo; rights and to general
equity principles; and such Deposit Agreement will conform in all material respects to the description thereof in the Registration
Statement, the Pre-Pricing Prospectuses, the Pricing Disclosure Package and the Prospectus;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(l)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;neither the Company nor any of
its Significant Subsidiaries is in breach or violation of or in default under (nor has any event occurred which, with notice, lapse
of time or both, would result in any breach or violation of, constitute a default under or give the holder of any indebtedness
of the Company or any of its Significant Subsidiaries (or a person acting on such holder&rsquo;s behalf) the right to require the
repurchase, redemption or repayment of all or a part of such indebtedness under) (A) its charter or bylaws (or other organizational
documents), (B) any indenture, mortgage, deed of trust, bank loan or credit agreement or other evidence of indebtedness, or any
license, lease, contract or other agreement or instrument to which it is a party or by which it or any of its properties may be
bound or affected, (C) any federal, state, local or foreign law, regulation or rule, (D) any rule or regulation of any self-regulatory
organization or other nongovernmental regulatory authority (including, without limitation, the rules and regulations of the NYSE),
or (E) any decree, judgment or order applicable to it or any of its properties, except in the case of (B), (C), (D) and (E), (i)
for any regulatory approval from the Federal Reserve required for the redemption of the Company&rsquo;s Non-Cumulative Perpetual
Preferred Stock, Series A (&ldquo;Series A Preferred Stock&rdquo;); and (ii) for such breach, violation, default, requirement,
creation or imposition which would not, individually or in the aggregate, have a Material Adverse Effect;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(m)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the execution, delivery
and performance of this Agreement and the Deposit Agreement, the execution and filing of the Articles of Amendment with the Secretary
of State of the State of Tennessee and the issuance and sale of the Shares and the consummation of the transactions contemplated
hereby and by the Deposit Agreement will not conflict with, result in any breach or violation of or constitute a default under
(nor constitute any event which, with notice, lapse of time or both, would result in any breach or violation of, constitute a default
under or give</P>



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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">the holder of any indebtedness (or a person acting on such holder&rsquo;s
behalf) the right to require the repurchase, redemption or repayment of all or a part of such indebtedness under) (or result in
the creation or imposition of a lien, charge or encumbrance on any property or assets of the Company or any of its subsidiaries
pursuant to) (A) the charter or bylaws (or other organizational documents) of the Company or any of its Significant Subsidiaries,
or (B) any indenture, mortgage, deed of trust, bank loan or credit agreement or other evidence of indebtedness, or any license,
lease, contract or other agreement or instrument to which the Company or any of its Significant Subsidiaries is a party or by which
any of them or any of their respective properties may be bound or affected, or (C) any federal, state, local or foreign law, regulation
or rule, or (D) any rule or regulation of any self-regulatory organization or other nongovernmental regulatory authority (including,
without limitation, the rules and regulations of the NYSE), or (E) any decree, judgment or order applicable to the Company or any
of its Significant Subsidiaries or any of their respective properties, except in the case of (B), (C), (D) and (E) such breach,
violation, default, requirement, creation or imposition would not, individually or in the aggregate, have a Material Adverse Effect;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(n)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;no approval, authorization, consent or order of or filing with any federal, state, local or foreign governmental or regulatory
commission, board, body, authority or agency, or of or with any self-regulatory organization or other non-governmental regulatory
authority (including, without limitation, the NYSE), or approval of the shareholders of the Company, is required in connection
with the issuance and sale of the Shares or the consummation by the Company of the transactions contemplated hereby, other than
(i) registration of the Shares under the Act, which has been effected, (ii) any necessary qualification under the securities or
blue sky laws of the various jurisdictions in which the Shares are being offered by the Underwriters, (iii) under the Rules of
the Financial Industry Regulatory Authority, Inc. (&ldquo;FINRA&rdquo;), (iv) listing of the Shares with the NYSE, (v) filing of
the Articles of Amendment, (vi) filing of a Form 8-A to register the Shares under the Exchange Act, (vii) regulatory approval from
the Federal Reserve of the redemption of the Series A Preferred Stock or (viii) those previously obtained or made;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(o)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;except as
described in the Registration Statement (excluding the exhibits thereto), each Pre-Pricing Prospectus, the Prospectus and the Pricing
Disclosure Package, (i) no person has the right, contractual or otherwise, to cause the Company to issue or sell to it any shares
of Preferred Stock and (ii) no person has any preemptive rights, resale rights, rights of first refusal or other rights to purchase
any shares of Preferred Stock;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(p)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;each of the Company and its Significant Subsidiaries has all necessary licenses, authorizations,
consents and approvals and has made all necessary filings required under any applicable law, regulation or rule, and has obtained
all necessary licenses, authorizations, consents and approvals from other persons, in order to conduct their respective businesses,
except when the failure to have such license, authorization, consent or approval, or to make any such filings, or obtain any such
license, authorization, consent or approval would not, individually or in the aggregate, have a Material Adverse Effect; neither
the Company nor any of its Significant Subsidiaries is in violation of, or in default under, or has received notice of any proceedings
relating to revocation or modification of, any such license, authorization, consent or approval or any federal, state, local or
foreign law, regulation or rule or any decree, order or judgment applicable to the Company or any of its Significant Subsidiaries,
except where such violation, default, revocation or modification would not, individually or in the aggregate, have a Material Adverse
Effect;</P>



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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(q)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;there are no legal or governmental proceedings
pending or, to the Company&rsquo;s knowledge, threatened to which the Company or any of its Significant Subsidiaries or any of
their respective directors or officers is or would be a party or of which any of their respective properties is or would be subject
at law or in equity, except as described in the Registration Statement (excluding the exhibits thereto), each Pre-Pricing Prospectus
and the Prospectus or any such action, suit, claim, investigation or proceeding that is not reasonably likely, individually or
in the aggregate, to have a Material Adverse Effect; the Company and each of its subsidiaries is in compliance with all laws administered
by and regulations applicable to it of the Board of Governors of the Federal Reserve System, the FDIC, the Tennessee Department
of Financial Institutions and the Consumer Financial Protection Bureau (each a &ldquo;<U>Regulator</U>&rdquo;) and of any other
federal or state agency or authority with jurisdiction over it except where failure to so comply would not result in a Material
Adverse Effect; neither the Company nor any of its subsidiaries is a party to or otherwise subject to any order, consent decree,
memorandum of understanding, written commitment or other supervisory agreement with any Regulator or any other federal or state
agency or authority, nor has the Company or any of its subsidiaries been advised by any Regulator or any other federal or state
agency or authority that it is contemplating issuing or requesting any of the foregoing except where being a party to or subject
to such order, consent decree, memorandum of understanding, written commitment or other supervisory agreement would not result
in a Material Adverse Effect;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(r)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;KPMG LLP, whose report on the consolidated financial statements of the Company and its subsidiaries
is included or incorporated by reference in the Registration Statement, the Pre-Pricing Prospectuses and the Prospectus, are independent
registered public accountants as required by the Act and by the rules of the Public Company Accounting Oversight Board;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(s)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to
the knowledge of the Company, Ernst&nbsp;&amp; Young LLP, whose report on the consolidated financial statements of IBERIABANK Corporation,
a Louisiana Corporation (&ldquo;IBKC&rdquo;), and its subsidiaries included or incorporated by reference in the Registration Statement,
the Pre-Pricing Prospectuses and the Prospectus, were independent registered public accountants with respect to IBKC as required
by the rules of the Public Company Accounting Oversight Board until July 1, 2020;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(t)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the financial statements of the Company included
or incorporated by reference in the Registration Statement, the Pre-Pricing Prospectuses, the Prospectus and the Permitted Free
Writing Prospectuses, if any, together with the related notes and schedules, present fairly in all material respects the consolidated
financial position of the Company and its subsidiaries as of the dates indicated and the consolidated results of operations, cash
flows and changes in shareholders&rsquo; equity of the Company and its subsidiaries for the periods specified and have been prepared
in compliance in all material respects with the requirements of the Act and Exchange Act and in conformity in all material respects
with U.S. generally accepted accounting principles applied on a consistent basis during the periods presented; the other financial
and statistical data (other than financial and statistical data relating to IBKC) contained or incorporated by reference in the
Registration Statement, the Pre-Pricing Prospectuses, the Prospectus and the Permitted Free Writing Prospectuses, if any, are accurately
and fairly presented in all material respects and to the extent appropriate are prepared on a basis consistent with the financial
statements and books and records of the Company; there are no financial statements (historical or pro forma) that are required
to be included or incorporated by reference in the Registration Statement, any Pre-Pricing</P>



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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Prospectus or the Prospectus that are not included or incorporated
by reference as required; the pro forma financial statements and the related notes thereto included or incorporated by reference
in the Registration Statement, the Pre-Pricing Prospectuses, the Prospectus and the Permitted Free Writing Prospectuses, if any,
fairly present, in all material respects, the information shown therein, have been prepared, in all material respects, in accordance
with the Commission&rsquo;s rules and guidelines with respect to pro forma financial statements and have been properly compiled
on the bases described therein, and the assumptions used in the preparation thereof are reasonable and the adjustments used therein
are appropriate to give effect to the transactions and circumstances referred to therein; in all material respects, all disclosures
contained or incorporated by reference in the Registration Statement, the Pre-Pricing Prospectuses, the Prospectus and the Permitted
Free Writing Prospectuses, if any, regarding &ldquo;non-GAAP financial measures&rdquo; (as such term is defined by the rules and
regulations of the Commission) comply with Regulation G of the Exchange Act and Item 10 of Regulation S-K under the Act, to the
extent applicable;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(u)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to the knowledge of the Company, the financial statements of IBKC included or incorporated by reference
in the Registration Statement, the Pre-Pricing Prospectuses, the Prospectus and the Permitted Free Writing Prospectuses, if any,
together with the related notes and schedules, present fairly in all material respects the consolidated financial position of IBKC
and its subsidiaries as of the dates indicated and the consolidated results of operations, cash flows and changes in shareholders&rsquo;
equity of IBKC and its subsidiaries for the periods specified and have been prepared in compliance in all material respects with
the requirements of the Exchange Act and in conformity in all material respects with U.S. generally accepted accounting principles
applied on a consistent basis during the periods presented; the other financial and statistical data of IBKC contained or incorporated
by reference in the in the Registration Statement, the Pre-Pricing Prospectuses, the Prospectus and the Permitted Free Writing
Prospectuses, if any, are accurately and fairly presented in all material respects and to the extent appropriate are prepared on
a basis consistent with the financial statements and books and records of IBKC;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(v)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;subsequent to the respective dates as of which
information is given in the Registration Statement, the Pre-Pricing Prospectuses, the Prospectus and the Permitted Free Writing
Prospectuses, if any, in each case excluding any amendments or supplements to the foregoing made after the execution of this Agreement,
there has not been (i) any material adverse change, or any development involving a prospective material adverse change, in the
business, properties, management, financial condition or results of operations of the Company and its subsidiaries taken as a whole,
(ii) any transaction, except as set forth or contemplated in the Registration Statement, each Pre-Pricing Prospectus and the Prospectus,
which is material to the Company and its subsidiaries taken as a whole, (iii) except as set forth or contemplated in the Registration
Statement, each Pre-Pricing Prospectus and Prospectus, any obligation or liability, direct or contingent (including any off-balance
sheet obligations), incurred by the Company or any Significant Subsidiary, which is material to the Company and its subsidiaries
taken as a whole, (iv) except as set forth or contemplated in the Registration Statement, each Pre-Pricing Prospectus and Prospectus,
any material change in the capital stock (other than repurchases pursuant to publicly announced share repurchase plans and issuances
and purchases of shares pursuant to employee benefit and compensation plans) or outstanding indebtedness of the Company or any
of its subsidiaries, or (v) any dividend or distribution of any kind declared, paid or made on the capital stock of the Company;</P>



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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(w)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;neither the Company nor any Significant
Subsidiary is, or in connection with any sale of Shares will any of them be, and, after giving effect to the offering and sale
of the Shares and the application of the proceeds thereof, none of them will be, an &ldquo;investment company&rdquo; or an entity
&ldquo;controlled&rdquo; by an &ldquo;investment company,&rdquo; as such terms are defined in the Investment Company Act of 1940,
as amended;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(x)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the Company and each of its Significant Subsidiaries have good and marketable title to all property (real and personal)
described in the Registration Statement, the Pre-Pricing Prospectuses, the Prospectus and the Permitted Free Writing Prospectuses,
if any, as being owned by any of them, free and clear of all liens, claims, security interests or other encumbrances, except to
the extent disclosed in the Registration Statement (excluding the exhibits thereto), each Pre-Pricing Prospectus and the Prospectus,
except where the failure to have such good and marketable title would not, individually or in the aggregate, have a Material Adverse
Effect and except for assets that are pledged in support of government deposits, Federal Home Loan Bank borrowings and covered
transactions under Section 23A of the Federal Reserve Act; and all the property described in the Registration Statement, the Pre-Pricing
Prospectuses, the Prospectus and the Permitted Free Writing Prospectuses, if any, as being held under lease by the Company or a
subsidiary is held thereby under valid, subsisting and enforceable leases, except where the failure to hold or lease such property
would not, individually or in the aggregate, have a Material Adverse Effect;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(y)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;there are no past, present or, to the Company&rsquo;s
knowledge, reasonably anticipated future events, conditions, circumstances, activities, practices, actions, omissions or plans
that could reasonably be expected to give rise to any material costs or liabilities to the Company or any of its subsidiaries under,
or to materially interfere with or prevent compliance by the Company or any of its subsidiaries with, any laws or regulations relating
to protection from harmful or hazardous substances or to protection of the environment;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(z)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the Company and each of its subsidiaries
maintain insurance covering their respective properties, operations, personnel and businesses as the Company reasonably deems adequate
in accordance with customary industry practice to protect the Company and its subsidiaries and their respective businesses; except
as would not, individually or in the aggregate, have a Material Adverse Effect, all such insurance is fully in force and the Company
has no reason to believe that it will not be able to renew any such insurance as and when such insurance expires;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(aa)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the Company
maintains a system of internal control over financial reporting (as such term is defined in Rule 13a-15(f) under the Exchange Act)
that has been designed by the Company&rsquo;s principal executive officer and principal financial officer, or under their supervision,
to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for
external purposes in accordance with generally accepted accounting principles; at December 31, 2020, the Company&rsquo;s internal
control over financial reporting was effective and at December 31, 2020, the Company was not aware of any material weaknesses in
its internal control over financial reporting, it being understood that IBKC is not covered by the Company&rsquo;s assessment of
internal control over financial reporting at December 31, 2020; since December 31, 2020, there has been no change in the Company&rsquo;s
internal control over financial reporting that has materially affected, or is reasonably likely to materially affect, the Company&rsquo;s
internal control over financial reporting;</P>



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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(bb)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the Company maintains disclosure controls
and procedures (as such term is defined in Rule 13a-15(e) under the Exchange Act); such disclosure controls and procedures have
been designed to ensure that material information relating to the Company and its subsidiaries is made known to the Company&rsquo;s
principal executive officer and principal financial officer by others within those entities; such disclosure controls and procedures
were effective as of the last day they were tested, it being understood that IBKC is not covered by the Company&rsquo;s assessment
of internal control over financial reporting at December 31, 2020;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(cc)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the interactive data in eXtensible Business Reporting Language
incorporated by reference in the Registration Statement, the Pre-Pricing Prospectuses, the Prospectus and the Permitted Free Writing
Prospectuses, if any, fairly presents the information called for in all material respects and is prepared, in all material respects,
in accordance with the Commission&rsquo;s rules and guidance applicable thereto;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(dd)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;all statistical or market-related data related
to the Company included or incorporated by reference in the Registration Statement, the Pre-Pricing Prospectuses, the Prospectus
and the Permitted Free Writing Prospectuses, if any, are based on or derived from sources that the Company reasonably believes
to be reliable and accurate, and the Company has obtained the written consent to the use of such data from such sources to the
extent required;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(ee)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;neither the Company nor any of its subsidiaries nor, to the Company&rsquo;s knowledge, any employee or agent
of the Company or any of its subsidiaries has made any payment of funds of the Company or any of its subsidiaries or received or
retained any funds in violation of any provision of the Foreign Corrupt Practices Act of 1977, as amended, or any applicable law
or regulation implementing the OECD Convention on Combating Bribery of Foreign Public Officials in International Business Transactions,
the Bribery Act 2010 of the United Kingdom, or any other applicable anti-bribery or anti-corruption laws, which payment, receipt
or retention of funds is of a character that would be required by the Act to be disclosed in the Registration Statement, any Pre-Pricing
Prospectus or the Prospectus; and the Company and its subsidiaries have conducted their businesses in compliance, in all material
respects, with applicable anticorruption laws and have instituted and maintained and will continue to maintain and enforce policies
and procedures reasonably designed to promote and ensure compliance with all applicable anti-bribery and anti-corruption laws;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(ff)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the operations of the Company and its subsidiaries are and have been conducted at all times in compliance with applicable
financial recordkeeping and reporting requirements of the Currency and Foreign Transactions Reporting Act of 1970, as amended,
the money laundering statutes of all jurisdictions, the rules and regulations thereunder and any related or similar rules, regulations
or guidelines, issued, administered or enforced by any governmental agency having jurisdiction over the Company or any of its subsidiaries
(collectively, the &ldquo;<U>Money Laundering Laws</U>&#8221;) and no action, suit or proceeding by or before any court or governmental
agency, authority or body or any arbitrator involving the Company or any of its subsidiaries with respect to the Money Laundering
Laws is pending or, to the knowledge of the Company, threatened;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(gg)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;none of the Company, any of its Significant Subsidiaries
or, to the knowledge of the Company, any director, officer or employee of the Company or any of its Significant Subsidiaries is
currently the subject or the target of any sanctions administered or enforced by the</P>



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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">U.S. government, including, without limitation, the Office of
Foreign Assets Control of the U.S. Department of the Treasury, the United Nations Security Council, the European Union, Her Majesty&#8217;s
Treasury, or other relevant sanctions authority (collectively, &#8220;<U>Sanctions</U>&#8221;), and, to the Company&#8217;s knowledge,
the proceeds of the offering of the Shares hereunder will not be used, lent, contributed or otherwise made available by the Company
to any of its subsidiaries, joint venture partner or other person or entity (i) to fund any activities of or business with any
person, or in any country or territory, that, at the time of such funding, is the subject of Sanctions, (ii) in any other manner
that will result in a violation by any person (including any person participating in the transaction, whether as purchaser, advisor,
investor or otherwise) of Sanctions or (iii) located, organized or resident in a country or territory that is the subject of Sanctions
(including, without limitation, Crimea, Cuba, Iran, North Korea and Syria);</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: 0.5in; text-align: justify">(hh)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;neither the Company nor any of its Significant
Subsidiaries, nor, to the Company&#8217;s knowledge, any of their respective directors or officers has taken, directly or indirectly,
any action designed, or which has constituted or might reasonably be expected to cause or result in the stabilization or manipulation
of the price of any security of the Company to facilitate the sale or resale of the Shares;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the Company and each of its subsidiaries
have complied and are presently in compliance, in all material respects, with all internal and external privacy policies, contractual
obligations, applicable laws, statutes, judgments, orders, rules and regulations of any court or other governmental or regulatory
authority in any jurisdiction and any other legal obligations, in each case, relating to the collection, use, transfer, import,
export, storage, protection, disposal and disclosure by the Company or any of its subsidiaries of personal, personally identifiable,
household, sensitive, confidential or regulated data (&#8220;<U>Data Security Obligations</U>,&#8221; and such data, &#8220;<U>Data</U>&#8221;);
(ii) the Company has not received any notification of or complaint regarding or is aware of any other facts that, individually
or in the aggregate, would reasonably indicate any material non-compliance with any Data Security Obligation; and (iii) there is
no action, suit or proceeding by or before any court or governmental agency, authority or body pending or threatened alleging any
material non-compliance with any Data Security Obligation; and</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(jj)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the Company and each of its subsidiaries have taken all technical
and organizational measures reasonably necessary to protect the information technology systems and Data used in connection with
the operation of the Company&#8217;s and its subsidiaries&#8217; businesses, except to the extent that the failure to do so would
not, either individually or in the aggregate, reasonably be expected to result in a Material Adverse Effect. Without limiting the
foregoing, the Company and its subsidiaries have used reasonable efforts to establish and maintain information technology, information
security, cyber security and data protection controls, policies and procedures, including oversight, access controls, encryption,
technological and physical safeguards and business continuity/disaster recovery and security plans that are designed to protect
against and prevent breach, destruction, loss, unauthorized distribution, use, access, disablement, misappropriation or modification,
or other compromise or misuse of or relating to any information technology system or Data used in connection with the operation
of the Company&#8217;s and its subsidiaries&#8217; businesses (&#8220;<U>Breach</U>&#8221;). There has been no material Breach,
and the Company and its subsidiaries have not been notified of any event or condition that would reasonably be expected to result
in, any material Breach.</P>



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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Certain Covenants of the Company </U></P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">The Company hereby
agrees:</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: 0.5in; text-align: justify">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to furnish such information as may
be required and otherwise to cooperate in qualifying the Shares for offering and sale under the securities or blue sky laws
of such states or other jurisdictions as you may designate and to maintain such qualifications in effect so long as you may
request for the distribution of the Shares; <U>provided</U>, <U>however</U>, that the Company shall not be required to
qualify as a foreign corporation or to consent to the service of process under the laws of any such jurisdiction; and to
promptly advise you of the receipt by the Company of any notification with respect to the suspension of the qualification of
the Shares for offer or sale in any jurisdiction or the initiation or threatening of any proceeding for such purpose;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to
make available to the Underwriters in New York City, as soon as practicable after this Agreement becomes effective, and
thereafter from time to time to furnish to the Underwriters, as many copies of the Prospectus (or of the Prospectus as
amended or supplemented if the Company shall have made any amendments or supplements thereto after the effective date of the
Registration Statement) as the Underwriters may request for the purposes contemplated by the Act; in case any Underwriter is
required to deliver (whether physically or through compliance with Rule 172 under the Act or any similar rule), in connection
with the sale of the Shares, a prospectus after the nine-month period referred to in Section 10(a)(3) of the Act, or after
the time a post-effective amendment to the Registration Statement is required pursuant to Item 512(a) of Regulation S-K under
the Act, the Company will prepare, at the expense of the requesting Underwriters, promptly upon request such amendment or
amendments to the Registration Statement and the Prospectus as may be necessary to permit compliance with the requirements of
Section 10(a)(3) of the Act or Item 512(a) of Regulation S-K under the Act, as the case may be;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;if, at the time this
Agreement is executed and delivered, it is necessary or appropriate for a post-effective amendment to the Registration
Statement to be filed with the Commission and become effective before the Shares may be sold, the Company will use its best
efforts to cause such post-effective amendment or such Registration Statement to be filed and become effective, and will pay
any applicable fees in accordance with the Act, as soon as possible; and the Company will advise you promptly and,
if requested by you, will confirm such advice in writing, when such post-effective amendment has become effective;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;if,
prior to the expiration of nine months after the date of this Agreement, at any time during the period when a prospectus is
required by the Act to be delivered (whether physically or through compliance with Rule 172 under the Act or any similar
rule) in connection with any sale of Shares, the Registration Statement shall cease to comply with the requirements of the
Act with respect to eligibility for the use of the form on which the Registration Statement was filed with the Commission or
the Registration Statement shall cease to be an &#8220;automatic shelf registration statement&#8221; (as defined in Rule 405
under the Act) or the Company shall have received, from the Commission, a notice, pursuant to Rule 401(g)(2), of objection to
the use of the form on which the Registration Statement was filed with the Commission, to (i) promptly notify you, (ii)
promptly file with the Commission a new registration statement under the Act, relating to the Shares, or a post-effective
amendment to the Registration Statement, which new registration statement or post-effective amendment shall comply with the
requirements of the Act and shall be</P>


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">in a form reasonably satisfactory to you, (iii) use its best
efforts to cause such new registration statement or post-effective amendment to become effective under the Act as soon as practicable,
(iv) promptly notify you of such effectiveness and (v) take all other action necessary or appropriate to permit the public offering
and sale of the Shares to continue as contemplated in the Prospectus; all references herein to the Registration Statement shall
be deemed to include each such new registration statement or post-effective amendment, if any;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to advise you promptly, confirming
such advice in writing, of any request by the Commission for amendments or supplements to the Registration Statement, any Pre-Pricing
Prospectus, the Prospectus or any Permitted Free Writing Prospectus or for additional information with respect thereto, or of notice
of institution of proceedings for, or the entry of a stop order, suspending the effectiveness of the Registration Statement and,
if the Commission should enter a stop order suspending the effectiveness of the Registration Statement, to use its reasonable best
efforts to obtain the lifting or removal of such order as soon as possible; prior to the time of purchase, to advise you promptly
of any proposal to amend or supplement the Registration Statement, any Pre-Pricing Prospectus or the Prospectus, and to provide
you and Underwriters&#8217; counsel copies of any such documents for review and comment a reasonable amount of time prior to any
proposed filing and to file no such amendment or supplement to which you shall reasonably object in writing;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;subject to Section
4(e) hereof, to file promptly all reports and documents and any preliminary or definitive proxy or information statement required
to be filed by the Company with the Commission in order to comply with the Exchange Act for so long as a prospectus is required
by the Act to be delivered (whether physically or through compliance with Rule 172 under the Act or any similar rule) in connection
with any sale of Shares;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to pay the fees applicable to the Registration Statement in connection with the offering of the Shares
within the time required by Rule 456(b)(1)(i) under the Act and in compliance with Rule 456(b) and Rule 457(r) under the Act;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;for a period of not more than nine months, to advise the Underwriters promptly of the happening of any event within the period
during which a prospectus is required by the Act to be delivered (whether physically or through compliance with Rule 172 under
the Act or any similar rule) in connection with any sale of Shares, which event could require the making of any change in the Prospectus
then being used so that the Prospectus would not include an untrue statement of a material fact or omit to state a material fact
necessary in order to make the statements therein, in the light of the circumstances under which they are made, not misleading,
and to advise the Underwriters promptly if, during such period, it shall become necessary to amend or supplement the Prospectus
to cause the Prospectus to comply with the requirements of the Act, and, in each case, during such time, subject to Section 4(e)
hereof, to prepare and furnish, at the Company&#8217;s expense, to the Underwriters promptly such amendments or supplements to
such Prospectus as may be necessary to reflect any such change or to effect such compliance;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to make generally available to
its security holders, and to deliver to you, an earnings statement of the Company (which will satisfy the provisions of Section
11(a) of the Act) covering a period of twelve months beginning after the effective date of the Registration Statement (as</P>



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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">defined in Rule 158(c) under the Act) as soon as is reasonably
practicable after the termination of such twelve-month period;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to furnish to each of the Underwriters copies of the Registration
Statement, as initially filed with the Commission, and of all amendments thereto (including all exhibits thereto and documents
incorporated by reference therein);</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to apply the net proceeds from the sale of the Shares in the manner set forth under the
caption &#8220;Use of Proceeds&#8221; in the Prospectus Supplement;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(l)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to pay all costs, expenses, fees and taxes in connection
with (i) the preparation and filing of the Registration Statement, each Basic Prospectus, each Pre-Pricing Prospectus, the Prospectus
Supplement, the Prospectus, each Permitted Free Writing Prospectus and any amendments or supplements thereto, and the printing
and furnishing of copies of each thereof to the Underwriters and to dealers (including costs of mailing and shipment), (ii) the
registration, issue, sale and delivery of the Shares, (iii) the producing, word processing and/or printing of this Agreement, any
agreement among Underwriters, any dealer agreements, any powers of attorney and any closing documents (including compilations thereof)
and the reproduction and/or printing and furnishing of copies of each thereof to the Underwriters and (except closing documents)
to dealers (including costs of mailing and shipment), (iv) the qualification of the Shares for offering and sale under state or
foreign laws and the determination of their eligibility for investment under state or foreign law (including the legal fees and
filing fees and other disbursements of counsel for the Underwriters) and the printing and furnishing of copies of any blue sky
surveys or legal investment surveys to the Underwriters and to dealers, (v) any listing of the Shares on any securities exchange
or qualification of the Shares for listing on the NYSE and any registration thereof under the Exchange Act, (vi) any filing for
a review of the public offering of the Shares by FINRA, including the legal fees and filing fees and other disbursements of counsel
to the Underwriters relating to FINRA matters, (viii) the fees and disbursements of the Company&#8217;s accountants in connection
with the issuance of the Shares, (ix) the fees and disbursements of any transfer agent or registrar for the Shares, (x) the costs
and expenses of the Company relating to presentations or meetings undertaken in connection with the marketing of the offering and
sale of the Shares to prospective investors and the Underwriters&#8217; sales forces, including, without limitation, expenses associated
with the production of road show slides and graphics, travel, lodging and other expenses incurred by the officers of the Company
and (xi) the performance of the Company&#8217;s other obligations hereunder, it is understood, however, that, except as provided
in this Section, Section 5, Section 7 and Section 9 hereof, the Underwriters will pay all of their own costs and expenses, including
the fees of their counsel and their tombstone advertising costs;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(m)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to comply with Rule 433(d) under the Act (without reliance
on Rule 164(b) under the Act) and with Rule 433(g) under the Act;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(n)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;beginning on the date hereof and ending on, and including,
the date that is 30 days after the date of this Agreement, without the prior written consent of the Representatives, which consent
will not be unreasonably withheld or delayed, not to (i) issue, sell, offer to sell, contract or agree to sell, hypothecate, pledge,
grant any option to purchase or otherwise dispose of or agree to dispose of, directly or indirectly, any securities of the Company
that are substantially similar to Preferred Stock, or any securities convertible into or exchangeable or exercisable for, or any</P>


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">warrants or other rights to purchase, the foregoing, (ii) file
or cause to become effective a registration statement under the Act relating to the offer and sale of any Preferred Stock or any
other securities of the Company that are substantially similar to Preferred Stock, or any securities convertible into or exchangeable
or exercisable for, or any warrants or other rights to purchase, the foregoing or (iii) publicly announce an intention to effect
any transaction specified in clause (i) or (ii);</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(o)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;not to use any written communication that constitutes an offer or to sell
or the solicitation of an offer to buy the Shares other than the Basic Prospectus, Pre-Pricing Prospectus, Prospectus or Permitted
Free-Writing Prospectus;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(p)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;not to, and to cause its subsidiaries not to, take, directly or indirectly, any action designed, or
which will constitute, or has constituted, or would reasonably be expected to cause or result in the stabilization or manipulation
of the price of any security of the Company to facilitate the sale or resale of the Shares, except for stabilization activities
conducted by a subsidiary that is an Underwriter pursuant to the terms of any agreement among the Underwriters in effect in respect
of the offering of Shares contemplated by this Agreement;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(q)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to use best efforts to permit the Shares to be eligible for clearance
and settlement through DTC;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(r)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the Company shall use reasonable efforts to list the Shares on the NYSE so that trading on such
exchange will begin within 30 days after the date of this Agreement; and</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(s)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to maintain a transfer agent and, if necessary under
the jurisdiction of incorporation of the Company, a registrar for the Preferred Stock.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Reimbursement of the Underwriters&#8217; Expenses</U></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: 1in; text-align: justify">If, after the execution and delivery of this
Agreement, the Shares are not delivered for any reason other than the termination of this Agreement pursuant to Section 7 or 8
hereof or the default by one or more of the Underwriters in its or their respective obligations hereunder, the Company shall, in
addition to paying the amounts described in Section 4(l) hereof, reimburse the Underwriters for all of their out-of-pocket expenses,
including the fees and disbursements of their counsel.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Conditions of the Underwriters&#8217; Obligations</U></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: 1in; text-align: justify">The several obligations of the Underwriters
hereunder are subject to the accuracy in all material respects (to the extent not otherwise qualified therein as to materiality
or Material Adverse Effect) of the representations and warranties on the part of the Company on the date hereof and at the time
of purchase, the performance by the Company, in all material respects, of its obligations hereunder and to the following additional
conditions precedent:</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company shall furnish to you at the time of purchase an opinion of Sullivan&nbsp;&amp; Cromwell LLP,
counsel for the Company, addressed to the Underwriters, and dated such time of purchase, with executed copies for each Underwriter,
and in form and substance reasonably satisfactory to the Representatives, in the form set forth in <U>Exhibit B </U>hereto.</P>



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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company shall furnish to you at
the time of purchase an opinion of Charles T. Tuggle, Jr., Executive Vice President and General Counsel, addressed to the Underwriters,
and dated such time of purchase, with executed copies for each Underwriter, and in form and substance reasonably satisfactory to
the Representatives, in the form set forth in <U>Exhibit C </U>hereto.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;You shall have received from KPMG LLP
letters dated, respectively, the date of this Agreement and the time of purchase, and addressed to the Underwriters (with executed
copies for each Underwriter) and representatives of them in the forms reasonably satisfactory to the Representatives.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;You shall have received from Ernst&nbsp;&amp;
Young LLP letters dated, respectively, the date of this Agreement and the time of purchase, and addressed to the Underwriters (with
executed copies for each Underwriter) and representatives of them in the forms reasonably satisfactory to the Representatives.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;You shall receive from the Company a
certificate dated the date of this Agreement of a principal financial or accounting officer of the Company with respect to certain
financial data in the forms reasonably satisfactory to the Representatives attached as <U>Exhibit D </U>hereto.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;You shall have received at the time
of purchase the favorable opinion of Cravath, Swaine&nbsp;&amp; Moore LLP, counsel for the Underwriters, dated such time of purchase,
in form and substance reasonably satisfactory to the Representatives.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Prospectus Supplement shall have
been filed with the Commission pursuant to Rule 424(b) under the Act at or before 5:30 P.M., New York City time, on the second
full business day after the date of this Agreement (or such earlier time as may be required under the Act).</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Prior to and at the time of purchase,
no stop order with respect to the effectiveness of the Registration Statement shall have been issued under the Act or proceedings
initiated under Section 8(d) or 8(e) of the Act.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company will, at the time of purchase,
deliver to you a certificate of its Chief Executive Officer and its Chief Financial Officer, dated such time of purchase, in the
form attached as <U>Exhibit E </U>hereto.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company shall have furnished to
you such other documents and certificates as to the accuracy and completeness of any statement in the Registration Statement, any
Pre-Pricing Prospectus, the Prospectus or any Permitted Free Writing Prospectus as of the time of purchase, as you may reasonably
request.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Shares shall be eligible for clearance
and settlement through the facilities of DTC.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(l)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company shall have filed the Articles
of Amendment with the Secretary of State of the State of Tennessee.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Effective Date
of Agreement; Termination</U></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">This Agreement shall become effective when
the parties hereto have executed and delivered this Agreement.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">The obligations of the several Underwriters
hereunder shall be subject to termination in the absolute discretion of the Representatives, if (1) since the time of execution
of this Agreement or the earlier respective dates as of which information is given in the Registration Statement, the Pre-Pricing
Prospectuses, the Prospectus and the Permitted Free Writing Prospectuses, if any, there has been any change or any development
involving a prospective change in the business, properties, management, financial condition or results of operations of the Company
and its subsidiaries taken as a whole, the effect of which change or development is, in the sole judgment of the Representatives,
so material and adverse as to make it impractical or inadvisable to proceed with the public offering or the delivery of the Shares
on the terms and in the manner contemplated in the Registration Statement, the Pre-Pricing Prospectuses, the Prospectus and the
Permitted Free Writing Prospectuses, if any, or (2) since the time of execution of this Agreement, there shall have occurred: (A)
a suspension or material limitation in trading in securities generally on the NYSE; (B) a suspension or material limitation in
trading in the Company&#8217;s securities on the NYSE; (C) a general moratorium on commercial banking activities declared by either
federal or New York State authorities or a material disruption in commercial banking or securities settlement or clearance services
in the United States; (D) an outbreak or escalation of hostilities or acts of terrorism involving the United States or a declaration
by the United States of a national emergency or war; or (E) any other calamity or crisis or any change in financial, political
or economic conditions in the United States or elsewhere, if the effect of any such event specified in clause (D) or (E), in the
sole judgment of the Representatives, makes it impractical or inadvisable to proceed with the public offering or the delivery of
the Shares on the terms and in the manner contemplated in the Registration Statement, the Pre-Pricing Prospectuses, the Prospectus
and the Permitted Free Writing Prospectuses, if any, or (3) since the time of execution of this Agreement, there shall have occurred
any downgrading in the rating accorded any securities of or guaranteed by the Company or any of its subsidiaries by any &#8220;nationally
recognized statistical rating organization,&#8221; as that term is defined in Section 3(a)(62) of the Exchange Act, and no such
organization shall have publicly announced that it has under surveillance or review, or has changed its outlook with respect to,
its rating of such securities (other than an announcement with positive implications of a possible upgrading).</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">If the Representatives elect to terminate
this Agreement as provided in this Section 7, the Company and each other Underwriter shall be notified promptly in writing.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">If the sale to the Underwriters of the Shares,
as contemplated by this Agreement, is not carried out by the Underwriters for any reason permitted under this Agreement, or if
such sale is not carried out because the Company shall be unable to comply with any of the terms of this Agreement, the Company
shall not be under any obligation or liability under this Agreement (except to the extent provided in Sections 4(l), 5 and 9 hereof),
and the Underwriters shall be under no obligation or liability to the Company under this Agreement (except to the extent provided
in Section 9 hereof) or to one another hereunder.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Increase in Underwriters&#8217; Commitments</U></P>



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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">Without relieving any defaulting Underwriter
from its obligations hereunder, the Company agrees with the non-defaulting Underwriters that it will not sell any Shares hereunder
unless all of the Shares are purchased by the Underwriters (or by substituted Underwriters selected by you with the approval of
the Company or selected by the Company with your approval).</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">If a new Underwriter or Underwriters are substituted
by the Underwriters or by the Company for a defaulting Underwriter or Underwriters in accordance with the foregoing provision,
the Company or you shall have the right to postpone the time of purchase for a period not exceeding five business days in order
that any necessary changes in the Registration Statement and the Prospectus and other documents may be effected.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">The term &#8220;Underwriter&#8221; as used
in this Agreement shall refer to and include any Underwriter substituted under this Section 8 with like effect as if such substituted
Underwriter had originally been named in <U>Schedule A</U> hereto.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">If the aggregate number of Shares which the
defaulting Underwriter or Underwriters agreed to purchase exceeds 10% of the total number of Shares which all Underwriters agreed
to purchase at the time of purchase hereunder, and if neither the non-defaulting Underwriters nor the Company shall make arrangements
within the five business day period stated above for the purchase of all the Shares which the defaulting Underwriter or Underwriters
agreed to purchase at the time of purchase hereunder, this Agreement shall terminate without further act or deed and without any
liability on the part of the Company to any Underwriter and without any liability on the part of any non-defaulting Underwriter
to the Company. Nothing in this paragraph, and no action taken hereunder, shall relieve any defaulting Underwriter from liability
in respect of any default of such Underwriter under this Agreement.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Indemnity and Contribution</U></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: 0.5in; text-align: justify">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company agrees to indemnify, defend
and hold harmless each Underwriter, its partners, directors, selling agents, officers and members, any person who controls any
Underwriter within the meaning of Section 15 of the Act or Section 20 of the Exchange Act, and any &#8220;affiliate&#8221;</P>



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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">(within the meaning of Rule 405 under the Act) of such Underwriter,
and the successors and assigns of all of the foregoing persons, from and against any loss, damage, expense, liability or claim
(including the reasonable cost of investigation) which, jointly or severally, any such Underwriter or any such person may incur
under the Act, the Exchange Act, the common law or otherwise, insofar as such loss, damage, expense, liability or claim arises
out of or is based upon (i) any untrue statement or alleged untrue statement of a material fact contained in the Registration Statement
(or in the Registration Statement as amended by any post-effective amendment thereof by the Company) or arises out of or is based
upon any omission or alleged omission to state a material fact required to be stated therein or necessary to make the statements
therein not misleading, except insofar as any such loss, damage, expense, liability or claim arises out of or is based upon any
untrue statement or alleged untrue statement of a material fact contained in, and in conformity with information concerning such
Underwriter furnished in writing by or on behalf of such Underwriter through you to the Company expressly for use in, the Registration
Statement, the Prospectus (as defined below) and any Covered Free Writing Prospectus, or arises out of or is based upon any omission
or alleged omission to state a material fact in the Registration Statement, the Prospectus (as defined below) and any Covered Free
Writing Prospectus in connection with such information, which material fact was not contained in such information and which material
fact was required to be stated in such Registration Statement or was necessary to make such information not misleading or (ii)
any untrue statement or alleged untrue statement of a material fact included in any Prospectus (the term Prospectus for the purpose
of this Section 9 being deemed to include any Basic Prospectus, any Pre-Pricing Prospectus, the Prospectus Supplement, the Prospectus
and any amendments or supplements to the foregoing), in any Covered Free Writing Prospectus, in any &#8220;issuer information&#8221;
(as defined in Rule 433 under the Act) of the Company or in any Prospectus together with any combination of one or more of the
Covered Free Writing Prospectuses, if any, or arises out of or is based upon any omission or alleged omission to state a material
fact necessary in order to make the statements therein, in the light of the circumstances under which they were made, not misleading,
except, with respect to such Prospectus or any Covered Free Writing Prospectus, insofar as any such loss, damage, expense, liability
or claim arises out of or is based upon any untrue statement or alleged untrue statement of a material fact contained in, and in
conformity with information concerning such Underwriter furnished in writing by or on behalf of such Underwriter through you to
the Company expressly for use in, such Prospectus or Covered Free Writing Prospectus or arises out of or is based upon any omission
or alleged omission to state a material fact in such Prospectus or Covered Free Writing Prospectus in connection with such information,
which material fact was not contained in such information and which material fact was necessary in order to make the statements
in such information, in the light of the circumstances under which they were made, not misleading.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each Underwriter severally and not jointly
agrees to indemnify, defend and hold harmless the Company, its directors and officers, and any person who controls the Company
within the meaning of Section 15 of the Act or Section 20 of the Exchange Act, and the successors and assigns of all of the foregoing
persons, from and against any loss, damage, expense, liability or claim (including the reasonable cost of investigation) which,
jointly or severally, the Company or any such person may incur under the Act, the Exchange Act, the common law or otherwise, insofar
as such loss, damage, expense, liability or claim arises out of or is based upon any untrue statement or alleged untrue statement
of a material fact contained in, and in conformity with information concerning such Underwriter furnished in writing by or on behalf
of such Underwriter through you to the Company expressly for use in, the Registration Statement (or in the Registration Statement</P>



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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">as amended by any post-effective amendment thereof by the Company),
the Prospectus or any Covered Free Writing Prospectus, or arises out of or is based upon any omission or alleged omission to state
a material fact in such Registration Statement or Prospectus or Covered Free Writing Prospectus in connection with such information,
which material fact was not contained in such information and which material fact was required to be stated in such Registration
Statement or was necessary to make such information not misleading.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If any action, suit or proceeding (each,
a &#8220;<U>Proceeding</U>&#8221;) is brought against a person (an &#8220;<U>indemnified party</U>&#8221;) in respect of which
indemnity may be sought against the Company or an Underwriter (the Company on the one hand, and any Underwriter, on the other hand,
an &#8220;<U>indemnifying party</U>&#8221;) pursuant to subsection (a) or (b), respectively, of this Section 9, such indemnified
party shall promptly notify such indemnifying party in writing of the institution of such Proceeding and such indemnifying party
shall assume the defense of such Proceeding, including the employment of counsel reasonably satisfactory to such indemnified party
and payment of all fees and expenses; <U>provided</U>, <U>however</U>, that the omission to so notify such indemnifying party shall
not relieve such indemnifying party from any liability which such indemnifying party may otherwise have to any indemnified party
except to the extent that the indemnifying party is materially prejudiced by the omission to give such notice. The indemnified
party or parties shall have the right to employ its or their own counsel in any such case, but the fees and expenses of such counsel
shall be at the expense of such indemnified party or parties unless the employment of such counsel shall have been authorized in
writing by the indemnifying party in connection with the defense of such Proceeding or the indemnifying party shall not have, within
a reasonable period of time in light of the circumstances, employed counsel to defend such Proceeding or such indemnified party
or parties shall have reasonably concluded that there may be defenses available to it or them which are different from, additional
to or in conflict with those available to such indemnifying party (in which case such indemnifying party shall not have the right
to direct the defense of such Proceeding on behalf of the indemnified party or parties), in any of which events such fees and expenses
shall be borne by such indemnifying party and paid as incurred (it being understood, however, that such indemnifying party shall
not be liable for the expenses of more than one separate counsel (in addition to any local counsel) in any one Proceeding or series
of related Proceedings representing the indemnified parties who are parties to such Proceeding). The indemnifying party shall not
be liable for any settlement of any Proceeding effected without its written consent but, if settled with its written consent, such
indemnifying party agrees to indemnify and hold harmless the indemnified party or parties from and against any loss or liability
by reason of such settlement. Notwithstanding the foregoing sentence, if at any time an indemnified party shall have requested
an indemnifying party to reimburse the indemnified party for fees and expenses of counsel as contemplated by the second sentence
of this Section 9(c), then the indemnifying party agrees that it shall be liable for any settlement of any Proceeding effected
without its written consent if (i) such settlement is entered into more than 60 business days after receipt by such indemnifying
party of the aforesaid request, (ii) such indemnifying party shall not have fully reimbursed the indemnified party in accordance
with such request prior to the date of such settlement and (iii) such indemnified party shall have given the indemnifying party
at least 30 days&#8217; prior notice of its intention to settle. No indemnifying party shall, without the prior written consent
of the indemnified party, effect any settlement of any pending or threatened Proceeding in respect of which any indemnified party
is or could have been a party and indemnity could have been sought hereunder by such indemnified party, unless such settlement
includes an unconditional release of such indemnified party from all liability on claims that are the subject</P>



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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">matter of such Proceeding and does not include an admission
of fault or culpability or a failure to act by or on behalf of such indemnified party.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If the indemnification provided for
in this Section 9 is unavailable to an indemnified party under subsections (a) and (b) of this Section 9 or insufficient to hold
an indemnified party harmless in respect of any losses, damages, expenses, liabilities or claims referred to therein, then each
applicable indemnifying party shall contribute to the amount paid or payable by such indemnified party as a result of such losses,
damages, expenses, liabilities or claims (i) in such proportion as is appropriate to reflect the relative benefits received by
the Company on the one hand and the Underwriters on the other from the offering of the Shares or (ii) if the allocation provided
by clause (i) above is not permitted by applicable law, in such proportion as is appropriate to reflect not only the relative benefits
referred to in clause (i) above but also the relative fault of the Company on the one hand and of the Underwriters on the other
in connection with the statements or omissions which resulted in such losses, damages, expenses, liabilities or claims, as well
as any other relevant equitable considerations. The relative benefits received by the Company on the one hand and the Underwriters
on the other shall be deemed to be in the same respective proportions as the total net proceeds from the offering received by the
Company, and the total underwriting discounts and commissions received by the Underwriters, bear to the aggregate public offering
price of the Shares. The relative fault of the Company on the one hand and of the Underwriters on the other shall be determined
by reference to, among other things, whether the untrue statement or alleged untrue statement of a material fact or omission or
alleged omission relates to information supplied by the Company or by the Underwriters and the parties&#8217; relative intent,
knowledge, access to information and opportunity to correct or prevent such statement or omission. The amount paid or payable by
a party as a result of the losses, damages, expenses, liabilities and claims referred to in this subsection shall be deemed to
include any legal or other fees or expenses reasonably incurred by such party in connection with investigating, preparing to defend
or defending any Proceeding.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company and the Underwriters agree
that it would not be just and equitable if contribution pursuant to this Section 9 were determined by pro rata allocation (even
if the Underwriters were treated as one entity for such purpose) or by any other method of allocation that does not take account
of the equitable considerations referred to in subsection (d) above. Notwithstanding the provisions of this Section 9, no Underwriter
shall be required to contribute any amount in excess of the amount by which the total price at which the Shares underwritten by
such Underwriter and distributed to the public were offered to the public exceeds the amount of any damage which such Underwriter
has otherwise been required to pay by reason of such untrue statement or alleged untrue statement or omission or alleged omission.
No person guilty of fraudulent misrepresentation (within the meaning of Section 11(f) of the Act) shall be entitled to contribution
from any person who was not guilty of such fraudulent misrepresentation. The Underwriters&#8217; obligations to contribute pursuant
to this Section 9 are several in proportion to their respective underwriting commitments and not joint.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The indemnity and contribution agreements
contained in this Section 9 and the covenants, warranties and representations of the Company contained in this Agreement shall
remain in full force and effect regardless of any investigation made by or on behalf of any Underwriter, its partners, directors,
officers or members or any person (including each partner, officer, director or member of such person) who controls any Underwriter
within the meaning of</P>



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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Section 15 of the Act or Section 20 of the Exchange Act, or
by or on behalf of the Company, its directors or officers or any person who controls the Company within the meaning of Section
15 of the Act or Section 20 of the Exchange Act, and shall survive any termination of this Agreement or the issuance and delivery
of the Shares.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">10.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Information Furnished by the Underwriters</U></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: 1in; text-align: justify">The statements set forth in the last paragraph
on the cover page of the Pre-Pricing Prospectus and Prospectus Supplement; in the fourth and fifth sentences of the paragraph under
the caption &#8220;Risk Factors&#8212;Risks Relating to the Depositary Shares&#8212;The Series F Preferred Stock and the related
depositary shares may not have an active trading market, and any such market for depositary shares may be illiquid&#8221; in the
Pre-Pricing Prospectus and Prospectus Supplement; in the sixth and seventh paragraphs, the fourth and fifth sentences of the tenth
paragraph, the twelfth, thirteenth and fourteenth paragraphs, the first sentence of the fifteenth paragraph and the sixteenth paragraph
all under the caption &#8220;Underwriting&#8221; in the Pre-Pricing Prospectus and Prospectus Supplement, constitute the only information
furnished by or on behalf of the Underwriters, as such information is referred to in Sections 3 and 9 hereof. Additionally, the
statements set forth in the second and third sentences of the fifteenth paragraph under the caption &#8220;Underwriting&#8221;
in the Pre-Pricing Prospectus and Prospectus Supplement will also constitute information furnished by or on behalf of Morgan Stanley&nbsp;&amp;
Co. LLC, as such information is referred to in Sections 3 and 9 hereof.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">11.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Notices</U></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: 1in; text-align: justify">Except as otherwise herein provided, all statements,
requests, notices and agreements shall be in writing or by telegram or facsimile and, if to the Underwriters, shall be sufficient
in all respects if delivered or sent to Morgan Stanley&nbsp;&amp; Co. LLC, 1585 Broadway, 29th Floor, New York, NY 10036 (fax:
(212) 507-8999), Attn: Investment Banking Division, BofA Securities Inc., 1540 Broadway, NY8-540-26-02, New York, New York 10036-4039
(fax: (212) 901-7881), Attention: High Grade Debt Capital Markets Transaction Management/Legal, J.P. Morgan Securities LLC, 383
Madison Avenue, New York, New York 10179 (fax: (212) 834-6081), Attention: Investment Grade Syndicate Desk, Keefe, Bruyette&nbsp;&amp;
Woods, Inc., 787 Seventh Avenue, 4th Floor, New York, New York 10019 (fax: (212) 582-1592), Attention: Capital Markets, RBC Capital
Markets, LLC, 200 Vesey Street, 8th Floor, New York, New York 10281 (fax: (212) 428-6308), Attention: Transaction Management Group,
and Wells Fargo Securities, LLC, 550 South Tryon Street, 5th Floor, Charlotte, NC 28202, Attention: Transaction Management, Email:
tmgcapitalmarkets@wellsfargo.com; and if to the Company, shall be sufficient in all respects if delivered or sent to the Company
at the offices of the Company, Attn: Corporate Secretary, at 165 Madison Avenue, 13<SUP>th </SUP>Floor, Memphis, TN 38103.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">12.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Governing Law; Construction</U></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: 1in; text-align: justify">This Agreement and any claim, counterclaim
or dispute of any kind or nature whatsoever arising out of or in any way relating to this Agreement (&#8220;<U>Claim</U>&#8221;),
directly or indirectly, shall be governed by, and construed in accordance with, the laws of the State of New York. The section
headings in this Agreement have been inserted as a matter of convenience of reference and are not a part of this Agreement.</P>



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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">13.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Submission to Jurisdiction</U></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: 1in; text-align: justify">Except as set forth below, no Claim may be
commenced, prosecuted or continued in any court other than the courts of the State of New York located in the City and County of
New York or in the United States District Court for the Southern District of New York, which courts shall have jurisdiction over
the adjudication of such matters, and the Company consents to the jurisdiction of such courts and personal service with respect
thereto. The Company hereby consents to personal jurisdiction, service and venue in any court in which any Claim arising out of
or in any way relating to this Agreement is brought by any third party against any Underwriter or any indemnified party. Each Underwriter
and the Company (on its behalf and, to the extent permitted by applicable law, on behalf of its shareholders and affiliates) waive
all right to trial by jury in any action, proceeding or counterclaim (whether based upon contract, tort or otherwise) in any way
arising out of or relating to this Agreement. The Company agrees that a final judgment in any such action, proceeding or counterclaim
brought in any such court shall be conclusive and binding (subject to rights of appeal) upon the Company and may be enforced in
any other courts to the jurisdiction of which the Company is or may be subject, by suit upon such judgment.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">14.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Parties at Interest</U></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: 1in; text-align: justify">The Agreement herein set forth has been and
is made solely for the benefit of the Underwriters and the Company and to the extent provided in Section 9 hereof the controlling
persons, partners, directors, officers, members and affiliates referred to in such Section, and their respective successors, assigns,
heirs, personal representatives and executors and administrators. No other person, partnership, association or corporation (including
a purchaser, as such purchaser, from any of the Underwriters) shall acquire or have any right under or by virtue of this Agreement.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">15.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No Fiduciary Relationship</U></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: 1in; text-align: justify">The Company acknowledges and agrees that (i)
the purchase and sale of the Shares pursuant to this Agreement is an arm&#8217;s-length commercial transaction between the Company,
on the one hand, and the several Underwriters, on the other, (ii) in connection with the sale of the Shares, each Underwriter is
acting solely as a principal and not the agent or fiduciary of the Company, (iii) no Underwriter has assumed an advisory or fiduciary
responsibility in favor of the Company with respect to the sale of the Shares (irrespective of whether such Underwriter has advised
or is currently advising the Company on other matters) and (iv) the Company has consulted its own legal and financial advisors
to the extent it deemed appropriate. The Company agrees that it will not claim that the Underwriters, or any of them, has rendered
advisory services of any nature or respect, or owes a fiduciary or similar duty to the Company, in connection with the sale of
the Shares.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">16.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Counterparts</U></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: 1in; text-align: justify">This Agreement may be signed by the parties
in one or more counterparts which together shall constitute one and the same agreement among the parties. The words &#8220;execution,&#8221;
&#8220;signed,&#8221; &#8220;signature,&#8221; &#8220;delivery,&#8221; and words of like import in or relating to this Agreement
or any document to be signed in connection with this Agreement shall be deemed to include electronic signatures, deliveries or
the keeping of records in electronic form, each of which shall be of the</P>


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">same legal effect, validity or enforceability as a manually
executed signature, physical delivery thereof or the use of a paper-based recordkeeping system, as the case may be, and the parties
hereto consent to conduct the transactions contemplated hereunder by electronic means.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">17.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Successors and Assigns</U></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: 1in; text-align: justify">This Agreement shall be binding upon the Underwriters
and the Company and their respective successors and assigns and any successor or assign of all or substantially all of the Company&#8217;s
and any of the Underwriters&#8217; respective businesses and/or assets. No purchaser of Shares from any Underwriter shall be deemed
a successor or assign of an Underwriter.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">18.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Recognition of the U.S. Special Resolution Regime</U>.</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: 0.5in; text-align: justify">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In the event that any Underwriter that
is a Covered Entity becomes subject to a proceeding under a U.S. Special Resolution Regime, the transfer from such Underwriter
of this Agreement, and any interest and obligation in or under this Agreement, will be effective to the same extent as the transfer
would be effective under the U.S. Special Resolution Regime if this Agreement, and any such interest and obligation, were governed
by the laws of the United States or a state of the United States.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In the event that any Underwriter that
is a Covered Entity or any BHC Act Affiliate of such party becomes subject to a proceeding under a U.S. Special Resolution Regime,
Default Rights under this Agreement that may be exercised against such Underwriter are permitted to be exercised to no greater
extent than such Default Rights could be exercised under the U.S. Special Resolution Regime if this Agreement were governed by
the laws of the United States or a state of the United States.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For purposes of this Section 18:</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">&#8220;<U>BHC Act Affiliate</U>&#8221; has
the meaning assigned to the term &#8220;affiliate&#8221; in, and shall be interpreted in accordance with, 12 U.S.C. &sect; 1841(k).</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">&#8220;<U>Covered Entity</U>&#8221; means
any of the following: (i) a &#8220;covered entity&#8221; as that term is defined in, and interpreted in accordance with, 12 C.F.R.
&sect; 252.82(b); (ii) a &#8220;covered bank&#8221; as that term is defined in, and interpreted in accordance with, 12 C.F.R. &sect;
47.3(b); or (iii) a &#8220;covered FSI&#8221; as that term is defined in, and interpreted in accordance with, 12 C.F.R. &sect;
382.2(b).</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">&#8220;<U>Default Right</U>&#8221; has the
meaning assigned to that term in, and shall be interpreted in accordance with, 12 C.F.R. &sect;&sect; 252.81, 47.2 or 382.1, as
applicable.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">&#8220;<U>U.S. Special Resolution Regime</U>&#8221;
means each of (i) the Federal Deposit Insurance Act and the regulations promulgated thereunder and (ii) Title II of the Dodd- Frank
Wall Street Reform and Consumer Protection Act and the regulations promulgated thereunder.</P>

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

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



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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0.75pt">Very truly yours,</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0.75pt">FIRST HORIZON CORPORATION</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0.75pt">By:</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1px solid; padding: 0.75pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;/s/ Dane P. Smith</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0.75pt; text-indent: 5.4pt">Name:</TD>
    <TD STYLE="padding: 0.75pt">Dane P. Smith</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0.75pt; text-indent: 5.4pt">Title:</TD>
    <TD COLSPAN="2" STYLE="padding: 0.75pt">Senior Vice President and Corporate</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; width: 1%">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; width: 7%">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; width: 32%">Treasurer</TD>
    <TD STYLE="width: 10%">&nbsp;</TD></TR>
</TABLE>

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif">
<TR>
    <TD STYLE="width: 4%">&nbsp;</TD>
    <TD STYLE="width: 36%; padding-left: 5pt">&nbsp;</TD>
    <TD STYLE="width: 60%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>By:</TD>
    <TD STYLE="padding-left: 5pt; border-bottom: Black 1px solid">/s/ Yurij Slyz</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">Name:&nbsp;&nbsp;Yurij Slyz</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">Title:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Executive Director</TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">BofA Securities, Inc.</TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>By:</TD>
    <TD STYLE="border-bottom: black 1px solid; padding-left: 5pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">Name:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">Title:</TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">J.P. Morgan Securities LLC</TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>By:</TD>
    <TD STYLE="border-bottom: black 1px solid; padding-left: 5pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">Name:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">Title:</TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">Keefe, Bruyette&nbsp;&amp; Woods, Inc.</TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>By:</TD>
    <TD STYLE="border-bottom: black 1px solid; padding-left: 5pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">Name:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">Title:</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-top: 0pt; text-align: center; margin-bottom: 0pt"><I>[PREFERRED STOCK UNDERWRITING AGREEMENT-SIGNATURE PAGE]</I></P>

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif">
<TR>
    <TD STYLE="width: 4%">&nbsp;</TD>
    <TD STYLE="width: 36%; padding-left: 5pt">&nbsp;</TD>
    <TD STYLE="width: 60%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>By:</TD>
    <TD STYLE="padding-left: 5pt; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">Name:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">Title:</TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">BofA Securities, Inc.</TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>By:</TD>
    <TD STYLE="border-bottom: black 1px solid; padding-left: 5pt">/s/ Randolph B. Randoplh</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">Name:&nbsp;&nbsp;Randolph B. Randolph</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">Title:&nbsp;&nbsp;&nbsp; &nbsp;Managing Director</TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">J.P. Morgan Securities LLC</TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>By:</TD>
    <TD STYLE="border-bottom: black 1px solid; padding-left: 5pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">Name:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">Title:</TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">Keefe, Bruyette&nbsp;&amp; Woods, Inc.</TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>By:</TD>
    <TD STYLE="border-bottom: black 1px solid; padding-left: 5pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">Name:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">Title:</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-top: 0pt; text-align: center; margin-bottom: 0pt"><I>[PREFERRED STOCK UNDERWRITING AGREEMENT-SIGNATURE PAGE]</I></P>


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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Accepted and agreed to as of the date first above written, on
behalf of themselves and the other several Underwriters named in <U>Schedule A</U> hereto.</P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif">
<TR>
    <TD STYLE="width: 4%">&nbsp;</TD>
    <TD STYLE="width: 36%; padding-left: 5pt">&nbsp;</TD>
    <TD STYLE="width: 60%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>By:</TD>
    <TD STYLE="padding-left: 5pt; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">Name:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">Title:</TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">BofA Securities, Inc.</TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>By:</TD>
    <TD STYLE="border-bottom: black 1px solid; padding-left: 5pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">Name:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">Title:</TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">J.P. Morgan Securities LLC</TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>By:</TD>
    <TD STYLE="border-bottom: black 1px solid; padding-left: 5pt">/s/ Stephen L. Sheiner</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">Name:&nbsp;&nbsp;Stephen L. Sheiner</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">Title:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Executive Director</TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">Keefe, Bruyette&nbsp;&amp; Woods, Inc.</TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>By:</TD>
    <TD STYLE="border-bottom: black 1px solid; padding-left: 5pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">Name:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">Title:</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-top: 0pt; text-align: center; margin-bottom: 0pt"><I>[PREFERRED STOCK UNDERWRITING AGREEMENT-SIGNATURE PAGE]</I></P>


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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Accepted and agreed to as of the date first above written, on
behalf of themselves and the other several Underwriters named in <U>Schedule A</U> hereto.</P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif">
<TR>
    <TD STYLE="width: 4%">&nbsp;</TD>
    <TD STYLE="width: 36%; padding-left: 5pt">&nbsp;</TD>
    <TD STYLE="width: 60%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>By:</TD>
    <TD STYLE="padding-left: 5pt; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">Name:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">Title:</TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">BofA Securities, Inc.</TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>By:</TD>
    <TD STYLE="border-bottom: black 1px solid; padding-left: 5pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">Name:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">Title:</TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">J.P. Morgan Securities LLC</TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>By:</TD>
    <TD STYLE="border-bottom: black 1px solid; padding-left: 5pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">Name:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">Title:</TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">Keefe, Bruyette&nbsp;&amp; Woods, Inc.</TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>By:</TD>
    <TD STYLE="border-bottom: black 1px solid; padding-left: 5pt">/s/ Victor A. Sack</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">Name:&nbsp;&nbsp;Victor A. Sack</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">Title:&nbsp;&nbsp;&nbsp;Managing Director</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-top: 0pt; text-align: center; margin-bottom: 0pt"><I>[PREFERRED STOCK UNDERWRITING AGREEMENT-SIGNATURE PAGE]</I></P>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">RBC Capital Markets, LLC</TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 4%">By:</TD>
    <TD STYLE="border-bottom: black 1px solid; padding-left: 5pt; width: 36%">/s/ Scott G. Primrose</TD>
    <TD STYLE="width: 60%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">Name:&nbsp;&nbsp;Scott G. Primrose</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">Title:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Authorized Signatory</TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">Wells Fargo Securities, LLC</TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>By:</TD>
    <TD STYLE="border-bottom: black 1px solid; padding-left: 5pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">Name:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">Title:</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">RBC Capital Markets, LLC</TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 4%">By:</TD>
    <TD STYLE="border-bottom: black 1px solid; padding-left: 5pt; width: 36%">&nbsp;</TD>
    <TD STYLE="width: 60%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">Name:</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">Title:</TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">Wells Fargo Securities, LLC</TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>By:</TD>
    <TD STYLE="border-bottom: black 1px solid; padding-left: 5pt">&nbsp;&nbsp;/s/ Carolyn Hurley</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">Name:&nbsp;&nbsp;&nbsp;Carolyn Hurley</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">Title:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Managing Director</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>

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

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 12pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD><TD STYLE="font-size: 10pt; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; font-weight: bold; text-align: right">Number of</TD><TD STYLE="font-size: 10pt; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; font-weight: bold; border-bottom: Black 1px solid">Underwriter</TD><TD STYLE="font-size: 10pt; font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; font-weight: bold; text-align: right; border-bottom: Black 1px solid">Shares</TD><TD STYLE="padding-bottom: 1px; font-size: 10pt; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="width: 86%; text-align: left; padding-left: 0.75pt">Morgan Stanley&nbsp;&amp; Co. LLC</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; text-align: right">1,000,000</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 0.75pt">BofA Securities, Inc.</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,000,000</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: left; padding-left: 0.75pt">J.P. Morgan Securities LLC</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,000,000</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 0.75pt">Keefe, Bruyette&nbsp;&amp; Woods, Inc</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,000,000</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: left; padding-left: 0.75pt">RBC Capital Markets, LLC</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,000,000</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 0.75pt">Wells Fargo Securities, LLC</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,000,000</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.75pt">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: left; padding-left: 20pt">Total</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">6,000,000</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
</TABLE>


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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><U></U>None.</P>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left">First Horizon
Bank <BR>
First Horizon TE1, LLC</P>

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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><U></U>[See attached.]</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: right">Filed Pursuant to Rule
433 <BR>
Registration No. 333-229338 <BR>
April 28, 2021</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>6,000,000 Depositary
Shares</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>Each Representing 1/4,000<SUP>th
</SUP>Interest in a Share of <BR>
Non-Cumulative Perpetual Preferred Stock, Series F</B></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">This term sheet supplements the information
set forth under &#8220;Description of the Series F Preferred Stock&#8221; in the preliminary prospectus supplement, dated April
28, 2021, to the prospectus, dated January 23, 2019.</P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; width: 42%; padding-left: 10pt">Issuer:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; width: 58%">First Horizon Corporation</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 10pt">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-left: 10pt">Security:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify">Depositary shares (the &ldquo;Depositary Shares&rdquo;) each representing a 1/4,000<SUP>th </SUP>ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series F of the Issuer (the &ldquo;Series F Preferred Stock&rdquo;)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 10pt">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-left: 10pt">Expected Security Ratings:*</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify">Ba2 (stable) / BB- (stable) (Moody&rsquo;s / Fitch)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 10pt">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-left: 10pt">Size:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify">$150,000,000 (6,000,000 Depositary Shares)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 10pt">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-left: 10pt">Liquidation Preference:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify">$25 per Depositary Share (equivalent to $100,000 per share of Series F Preferred Stock)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 10pt">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-left: 10pt">Term:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify">Perpetual</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 10pt">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-left: 10pt">Dividend Rate (Non-Cumulative):</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify">4.70% per annum, only when, as and if declared</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 10pt">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-left: 10pt">Dividend Payment Dates:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify">Quarterly in arrears on January 10, April 10, July 10 and October 10 of each year, commencing on July 10, 2021</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 10pt">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-left: 10pt">Day Count:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify">30/360</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 10pt">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-left: 10pt">Trade Date:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify">April 28, 2021</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 10pt">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-left: 10pt">Settlement Date**:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify">May 3, 2021 (T+3)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 10pt">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-left: 10pt">Optional Redemption:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify">The Issuer may, at its option, redeem the Series F Preferred Stock (i) in whole or in part, from time to time, on any dividend payment date on or after July 10, 2026, or (ii) in whole, but not in part, at any time within 90 days following a Regulatory Capital Event (as defined in the preliminary</TD></TR>
</TABLE>


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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 42%; padding-left: 10pt">&nbsp;</TD>
    <TD STYLE="width: 58%; font: 12pt Times New Roman, Times, Serif; text-align: justify">prospectus supplement dated April 28, 2021), at a redemption price equal to $100,000 per share of Series F Preferred Stock (equivalent to $25 per Depositary Share), plus any declared and unpaid dividends.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 10pt">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-left: 10pt">Listing:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify">Application will be made to list the Depositary Shares on the New York Stock Exchange under the symbol &ldquo;FHN PrF&rdquo;. If the application is approved, trading of the Depositary Shares on the New York Stock Exchange is expected to commence within a 30-day period after the initial delivery of the Depositary Shares.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 10pt">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-left: 10pt">Public Offering Price:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify">$25.00 per Depositary Share</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 10pt">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-left: 10pt">Underwriting Discounts and Commissions:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify">$0.6304 per Depositary Share<SUP>1</SUP></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 10pt">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-left: 10pt">Net Proceeds (before expenses) to Issuer:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify">$146,217,356.25</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 10pt">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-left: 10pt">Joint Book-Running Managers:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify">Morgan Stanley&nbsp;&amp; Co. LLC<BR>
BofA Securities, Inc.<BR>
J.P. Morgan Securities LLC<BR>
Keefe, Bruyette&nbsp;&amp; Woods, Inc.<BR>
RBC Capital Markets, LLC<BR>
Wells Fargo Securities, LLC</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 10pt">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-left: 10pt">CUSIP/ISIN for the Depositary Shares:</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify">320517 865 / US3205178656</TD></TR>
</TABLE>


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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Change from Preliminary Prospectus Supplement</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">In addition to the information set forth above, the final prospectus
supplement will reflect the following change (and information in the preliminary prospectus supplement is deemed to have changed
to the extent affected thereby):</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The underwriters will not have an over-allotment option to purchase
additional depositary shares.</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>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">* A securities rating is not a recommendation to buy, sell or
hold securities and may be subject to revision or withdrawal at any time.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">** The issuer expects that delivery of the Depositary Shares
will be made against payment therefor on or about the third business day following the date of pricing of the Depositary Shares
(this settlement cycle being referred to as &#8220;T+3&#8221;). Accordingly, purchasers who wish to trade the Depositary Shares
on the date of pricing will be required, by virtue of the fact that the Depositary Shares initially will settle in T+3, to specify
an alternate settlement cycle at the time of any such trade to prevent a failed settlement. Purchasers of the Depositary Shares
who wish to trade their</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Depositary Shares on the date of pricing or the next two succeeding
business days should consult their own advisors.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><SUP>1 </SUP>Reflects 2,284,500 Depositary Shares sold to institutional
investors, for which the underwriters received an underwriting discount of $0.3750 per Depositary Share, and 3,715,500 Depositary
Shares sold to retail investors, for which the underwriters received an underwriting discount of $0.7875 per Depositary Share.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Depositary Shares are not deposits or obligations of a bank
and are not insured or guaranteed by the Federal Deposit Insurance Corporation or by any other government agency or instrumentality.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">First Horizon Corporation has filed a registration statement
(including a prospectus and preliminary prospectus supplement) with the SEC for the offering to which this communication relates.
Before you invest, you should read each of these documents and the other documents First Horizon Corporation has filed with the
SEC and incorporated by reference in such documents for more complete information about First Horizon Corporation and this offering.
You may get these documents for free by visiting EDGAR on the SEC website at www.sec.gov. Alternatively, you may obtain a copy
of these documents by calling Morgan Stanley&nbsp;&amp; Co. LLC toll free at 866-718-1649, BofA Securities, Inc. toll free at 1-800-294-1322,
J.P. Morgan Securities LLC toll free at 212-834-4533, Keefe, Bruyette&nbsp;&amp; Woods, Inc. toll free at 1-800-966-1559, RBC Capital
Markets, LLC toll free at 866-375-6829 or Wells Fargo Securities, LLC toll free at 1-800-645-3751.</P>

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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">[See attached.]</P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 1in 0pt 0; text-align: right">May 3, 2021</P>

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">J.P. Morgan Securities LLC <BR>
Keefe, Bruyette&nbsp;&amp; Woods,
Inc. <BR>
RBC Capital Markets, LLC <BR>
Wells Fargo Securities, LLC,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">As Representatives of the several Underwriters
listed in Schedule A to the Underwriting Agreement,</P>

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

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

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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">One Bryant Park,</P>

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

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

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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">c/o Keefe, Bruyette&nbsp;&amp;
Woods, Inc.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">787 Seventh Avenue, 4th Floor</P>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">c/o RBC Capital Markets, LLC</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.5in; text-align: justify">200 Vesey Street, 8th Floor</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 2in; text-align: justify">New York, New York 10281</P>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">550 South Tryon Street, 5th Floor</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.5in; text-align: justify">Charlotte, North Carolina 28202.</P>

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

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

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Morgan Stanley&nbsp;&amp; Co. LLC <BR>
BofA Securities, Inc.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Keefe, Bruyette&nbsp;&amp; Woods,
Inc.</P>

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">- 2 -</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: 1in; text-align: left">In connection with the
several purchases today by you and the other Underwriters named in Schedule A to the Underwriting Agreement, dated April 28, 2021
(the &#8220;Underwriting Agreement&#8221;), between First Horizon Corporation, a Tennessee corporation (the &#8220;Company&#8221;),
and you, as Representatives of the several Underwriters named therein (the &#8220;Underwriters&#8221;), of [&bull;] depositary shares
(the &#8220;Depositary Shares&#8221;), each representing a 1/4,000<SUP>th </SUP>interest in a share of the Company&#8217;s Non-Cumulative
Perpetual Preferred Stock, Series F, liquidation preference of $100,000 per share (the &#8220;Preferred Stock&#8221;), and evidenced
by depositary receipts (the &#8220;Depositary Receipts&#8221;) to be issued pursuant to the Deposit Agreement, dated as of May
3, 2021 (the &#8220;Deposit Agreement&#8221;), among the Company, Equiniti Trust Company, as depositary (the &#8220;Depositary&#8221;),
and the holders from time to time of the Depositary Receipts, we, as counsel for the Company, have examined such corporate records,
certificates and other documents, and such questions of law, as we have considered necessary or appropriate for the purposes of
this opinion. Upon the basis of such examination, it is our opinion that:</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in; text-align: left">(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company has been duly incorporated and is an
existing corporation in good standing under the laws of the State of Tennessee.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in; text-align: left">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All regulatory consents, authorizations,
approvals and filings required to be obtained or made by the Company under the Covered Laws for the execution and delivery by the
Company of, and the performance by the Company of its obligations under, the Underwriting Agreement and the Deposit Agreement have
been obtained or made, other than the filing of a Form 8-A for the registration of the Depositary Shares under the Securities Exchange
Act of 1934 and the approval of the New York Stock Exchange to the listing of the Depositary Shares on such Exchange.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in; text-align: left">(3)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The execution and delivery by the Company
of, and the performance by the Company of its obligations under, the Underwriting Agreement and the Deposit Agreement will not
violate any Covered Laws.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in; text-align: left">(4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The execution and delivery by the Company
of the Underwriting Agreement and the Deposit Agreement do not, and the performance by the Company of its obligations thereunder
will not, (a) violate the Restated Charter or Bylaws of the Company, in each case as in effect on the date hereof, (b) result in
a default under or breach of the agreements filed as exhibits 10.1(a) through 10.8(h), inclusive, to the Company&#8217;s Annual
Report on Form 10-K for the fiscal year ended December 31, 2020 or (c) violate the court or government agency orders listed in
the Officer&#8217;s Certificate, dated the date hereof, of Charles T. Tuggle, Jr., Executive Vice President and General Counsel
of the Company (no such orders are so listed).</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Morgan Stanley&nbsp;&amp; Co. LLC <BR>
BofA Securities, Inc.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Keefe, Bruyette&nbsp;&amp; Woods,
Inc.</P>

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

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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in; text-align: left">(5)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Underwriting Agreement has been
duly authorized, executed and delivered by the Company.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in; text-align: left">(6)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Deposit Agreement has been duly
authorized, executed and delivered by the Company and constitutes a valid and legally binding obligation of the Company enforceable
against the Company in accordance with its terms, subject to bankruptcy, insolvency, fraudulent transfer, reorganization, moratorium
and similar laws of general applicability relating to or affecting creditors&#8217; rights and to general equity principles.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in; text-align: left">(7)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Upon due issuance by the Depositary
of the Depositary Receipts evidencing the Depositary Shares against the deposit of Preferred Stock in accordance with the provisions
of the Deposit Agreement and payment therefor in accordance with the Underwriting Agreement, the Depositary Receipts will entitle
the persons in whose names the Depositary Receipts are registered to the rights specified therein and in the Deposit Agreement,
subject to bankruptcy, insolvency, fraudulent transfer, reorganization, moratorium and similar laws of general applicability relating
to or affecting creditors&#8217; rights and to general equity principles.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in; text-align: left">(8)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company is not, and after giving
effect to the offering and sale of the Depositary Shares will not be, an &#8220;investment company&#8221;, as such term is defined
in the Investment Company Act of 1940, as amended.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: left">We are expressing no opinion in paragraphs
2 and 3 above, insofar as performance by the Company of its obligations under the Underwriting Agreement and the Deposit Agreement
is concerned, as to bankruptcy, insolvency, fraudulent transfer, reorganization, moratorium and similar laws of general applicability
relating to or affecting creditors&#8217; rights. Also, for purposes of the opinions in paragraphs 2 and 3 above, &#8220;Covered
Laws&#8221; means the Federal laws of the United States and the laws of the State of New York (including the published rules or
regulations thereunder) that in our experience normally are applicable to general business corporations and transactions such as
those contemplated by the Underwriting Agreement and the Deposit Agreement; <U>provided</U>, <U>however</U>, that such term does
not include Federal or state securities laws, other antifraud laws and fraudulent transfer laws, tax laws, the Employee Retirement
Income Security Act of 1974, antitrust laws or any law (other than the Bank Holding Company Act of 1956, as amended, and the published
rules and regulations thereunder) that is applicable to the Company, the Underwriting Agreement and the Deposit Agreement or the
transactions contemplated thereby solely as part of a regulatory regime applicable to the Company or its affiliates due to its
or their status, business or assets.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in; text-align: left">The foregoing opinion is limited to the Federal
laws of the United States, the laws of the State of New York, and the laws of the State of Tennessee, and we are expressing no</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Morgan Stanley&nbsp;&amp; Co. LLC <BR>
BofA Securities, Inc.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Keefe, Bruyette&nbsp;&amp; Woods,
Inc.</P>

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">- 4 -</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">opinion as to the effect of the laws of any other jurisdiction.
With respect to all matters of Tennessee law, including the interpretation of the agreements governed by Tennessee law and covered
by our opinion in paragraph 4(b), we have relied upon the opinion, dated the date hereof, of Charles T. Tuggle, Jr., Executive
Vice President and General Counsel of the Company, delivered to you pursuant to Section 6(b) of the Underwriting Agreement, and
our opinion is subject to the same assumptions, qualifications and limitations with respect to such matters as are contained in
such opinion of Charles T. Tuggle, Jr.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: left">We have also relied as to certain matters
upon information obtained from public officials, officers of the Company and other sources believed by us to be responsible, and
we have assumed that the Deposit Agreement has been duly authorized, executed and delivered by the Depositary, that the certificate
evidencing the Preferred Stock has been deposited with the Depositary in accordance with the Deposit Agreement, that the certificates
evidencing the Preferred Stock and the Depositary Receipts conform to the specimens thereof examined by us, that the Depositary
Receipts have been duly executed and delivered by one of the Depositary&#8217;s authorized officers, that the certificate for the
Preferred Stock has been duly countersigned and registered by a registrar and transfer agent of the Preferred Stock, and that the
signatures on all documents examined by us are genuine, assumptions which we have not independently verified.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: left">This letter is furnished by us, as counsel
to the Company, to you, as Representatives of the Underwriters, solely for the benefit of the Underwriters in their capacity as
such, and may not be relied upon by any other person without our written consent. This letter may not be quoted, referred to or
furnished to any purchaser or prospective purchaser of the Depositary Shares and may not be used in furtherance of any offer or
sale of the Depositary Shares<B>.</B></P>

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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><U>Officer&#8217;s Certificate as
to Court Orders</U></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: 1in; text-align: left">I, Charles T. Tuggle, Jr., Executive Vice
President and General Counsel of First Horizon Corporation, a Tennessee corporation (the &#8220;Company&#8221;), solely in my capacity
as an officer of the Company, hereby certify after conducting a reasonable investigation that, to the best of my knowledge, neither
the Company nor any of its subsidiaries nor any of their properties are subject to any court or governmental agency order that
may affect the execution and delivery by the Company of the Underwriting Agreement, dated April 28, 2021 (the &#8220;Underwriting
Agreement&#8221;), between the Company and Morgan Stanley&nbsp;&amp; Co. LLC, BofA Securities, Inc., J.P. Morgan Securities LLC,
Keefe, Bruyette&nbsp;&amp; Woods, Inc., RBC Capital Markets, LLC and Wells Fargo Securities, LLC, and the Deposit Agreement, dated
May 3, 2021 (the &#8220;Deposit Agreement&#8221;), among the Company, Equiniti Trust Company, as depositary, and holders from time
to time of the depositary receipts issued pursuant thereto, or the Company&#8217;s performance of its obligations under the Underwriting
Agreement and the Deposit Agreement.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: left">IN WITNESS WHEREOF, I have hereunto signed my name.</P>

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

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

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


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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Dated:</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">May 3, 2021</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 2in 0pt 0; text-align: right">May 3, 2021</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">Morgan Stanley&nbsp;&amp; Co. LLC <BR>
BofA Securities, Inc.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Keefe, Bruyette&nbsp;&amp; Woods,
Inc.</P>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">As Representatives of the several Underwriters
listed in Schedule A to the Underwriting Agreement,</P>

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

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

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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">One Bryant Park,</P>

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

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

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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">c/o Keefe, Bruyette&nbsp;&amp;
Woods, Inc.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">787 Seventh Avenue, 4th Floor</P>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">c/o RBC Capital Markets, LLC</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.5in; text-align: justify">200 Vesey Street, 8th Floor</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 2in; text-align: justify">New York, New York 10281</P>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">550 South Tryon Street, 5th Floor</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.5in; text-align: justify">Charlotte, North Carolina 28202.</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Morgan Stanley&nbsp;&amp; Co. LLC <BR>
BofA Securities, Inc.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Keefe, Bruyette&nbsp;&amp; Woods,
Inc.</P>

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

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

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

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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">This is with reference
to the registration under the Securities Act of 1933 (the &#8220;Securities Act&#8221;) and offering of [&bull;]
depositary shares (the &#8220;Depositary Shares&#8221;), each representing a 1/4,000th interest in a share of Non-Cumulative Perpetual
Preferred Stock, Series F, liquidation preference of $100,000 per share (the &#8220;Preferred Stock&#8221; and, together with
the Depositary Shares, the &#8220;Securities&#8221;), of First Horizon Corporation (the &#8220;Company&#8221;).</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">The Registration Statement relating to the
Securities (File No. 333-229338) was filed on Form S-3 in accordance with procedures of the Securities and Exchange Commission
(the &#8220;Commission&#8221;) permitting a delayed or continuous offering of securities pursuant thereto and, if appropriate,
a post-effective amendment, document incorporated by reference therein or prospectus supplement that provides information relating
to the terms of the securities and the manner of their distribution. The Securities have been offered by the Prospectus, dated
January 23, 2019 (the &#8220;Basic Prospectus&#8221;), as supplemented by the Prospectus Supplement, dated April 28, 2021 (the
&#8220;Prospectus Supplement&#8221;), which updates or supplements certain information contained in the Basic Prospectus. The Basic
Prospectus, as supplemented by the Prospectus Supplement, does not necessarily contain a current description of the Company&#8217;s
business and affairs since it provides information as of its date and, pursuant to Form S-3, it incorporates by reference certain
documents filed with the Commission that contain information as of various dates.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">As counsel to the Company, we reviewed the
Registration Statement, the Basic Prospectus, the Prospectus Supplement and the documents listed in Schedule A (those listed documents,
taken together with the Basic Prospectus, being referred to herein as the &#8220;Pricing Disclosure Package&#8221;) and participated
in discussions with your representatives and those of the Company, its accountants and its counsel. Between the date of the Prospectus
Supplement and the time of delivery of this letter, we participated in further discussions with your representatives and those
of the Company, its accountants and its counsel, concerning certain matters relating to the Company and reviewed certificates of
certain officers of the Company, a letter addressed to you from the Company&#8217;s accountants and an opinion addressed to you
from the Company&#8217;s counsel. On the basis of the information that we gained in the course of the performance of the services
referred to above, considered in the light of our understanding of the applicable law (including the requirements of Form S-3 and
the character of prospectus contemplated thereby) and the experience we have gained through our practice under the Securities Act,
we confirm to you that, in our opinion, the Registration Statement, as of the date of the Prospectus Supplement, and the Basic
Prospectus, as supplemented by the Prospectus Supplement, as of the date of the Prospectus Supplement, appeared on their face to
be appropriately responsive, in all material respects relevant to the offering of the Securities, to the requirements of the Securities
Act and the applicable rules and regulations of the Commission thereunder. Also, we confirm to you that</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Morgan Stanley&nbsp;&amp; Co. LLC <BR>
BofA Securities, Inc.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Keefe, Bruyette&nbsp;&amp; Woods,
Inc.</P>

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

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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">the statements contained in the Registration Statement, the
Basic Prospectus, the Prospectus Supplement and the Pricing Disclosure Package, under the captions &#8220;Description of Preferred
Stock&#8221;, &#8220;Description of the Series F Preferred Stock&#8221;, &#8220;Description of Depositary Shares&#8221;, &#8220;Underwriting&#8221;
and &#8220;Material United States Federal Income Tax Consequences&#8221;, insofar as they relate to provisions of the Securities,
the Underwriting Agreement and the Deposit Agreement therein described or in so far as they relate to provisions of United States
Federal income tax law therein described, constitute a fair and accurate summary of such provisions in all material respects.</P>

<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: 1in; text-align: justify">Further, nothing that came to our attention
in the course of such review has caused us to believe that, insofar as relevant to the offering of the Securities,</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">(a) the Registration
Statement, as of the date of the Prospectus Supplement, contained any untrue statement of a material fact or omitted to state any
material fact required to be stated therein or necessary to make the statements therein not misleading, or</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">(b) the Pricing Disclosure
Package, as of [&bull;] P.M. on April 28, 2021 (which you have informed us is prior to the time of the first sale of the Securities
by any Underwriter), contained any untrue statement of a material fact or omitted to state any material fact necessary in order
to make the statements therein, in the light of the circumstances under which they were made, not misleading, or</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">(c) the Basic Prospectus, as supplemented by the Prospectus Supplement, as of the date of the Prospectus
Supplement, contained any untrue statement of a material fact or omitted to state any material fact necessary in order to make
the statements therein, in the light of the circumstances under which they were made, not misleading.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">We also advise you that nothing that came
to our attention in the course of the procedures described in the second sentence of the second preceding paragraph has caused
us to believe that, insofar as relevant to the offering of the Securities, the Basic Prospectus, as supplemented by the Prospectus
Supplement, as of the time of delivery of this letter, contained any untrue statement of a material fact or omitted to state any
material fact necessary in order to make the statements therein, in the light of the circumstances under which they were made,
not misleading.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">The limitations inherent in the independent
verification of factual matters and the character of determinations involved in the registration process are such, however, that
we do not assume any responsibility for the accuracy, completeness or fairness of the statements contained in the Registration
Statement, the Basic Prospectus, the Prospectus Supplement or the Pricing Disclosure Package, except to the extent specifically
noted in the last sentence of the third preceding paragraph. Also, we do not express any opinion or belief as to the financial
statements</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Morgan Stanley&nbsp;&amp; Co. LLC <BR>
BofA Securities, Inc.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Keefe, Bruyette&nbsp;&amp; Woods,
Inc.</P>

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

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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">or other financial data derived from accounting records of the
Company or IBERIABANK Corporation contained in the Registration Statement, the Basic Prospectus, the Prospectus Supplement or the
Pricing Disclosure Package, or as to management&#8217;s report of its assessment of the effectiveness of the Company&#8217;s internal
control over financial reporting or the auditors&#8217; report as to the Company&#8217;s internal control over financial reporting,
all as included in the Registration Statement, the Basic Prospectus, the Prospectus Supplement or the Pricing Disclosure Package.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">This letter is furnished by us, as counsel
to the Company, to you, as Representatives of the several Underwriters, solely for the benefit of the Underwriters in their capacity
as such, and may not be relied upon by any other person without our written consent. This letter may not be quoted, referred to
or furnished to any purchaser or prospective purchaser of the Securities and may not be used in furtherance of any offer or sale
of the Securities.</P>

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

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

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><U>Schedule A</U></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: 1in; text-align: justify">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Preliminary Prospectus Supplement, dated
April 28, 2021, including the Prospectus, dated January 23, 2019, filed with the Commission on April 28, 2021 pursuant to Rule
424 under the Securities Act.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Final Term Sheet, dated April [28], 2021,
filed with the Commission by the Company on April [28], 2021 pursuant to Rule 433 under the Securities Act.</P>

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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">[See attached.]</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 2in 0pt 0; text-align: right">May 3, 2021</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">Morgan Stanley&nbsp;&amp; Co. LLC <BR>
BofA Securities, Inc.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Keefe, Bruyette&nbsp;&amp; Woods,
Inc.</P>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">As Representatives of the several Underwriters
listed in Schedule A to the Underwriting Agreement,</P>

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

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

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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">One Bryant Park,</P>

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

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

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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">c/o Keefe, Bruyette&nbsp;&amp;
Woods, Inc.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">787 Seventh Avenue,
4<SUP>th</SUP> Floor</P>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">c/o RBC Capital Markets, LLC</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.5in; text-align: justify">200 Vesey Street,
8<SUP>th</SUP> Floor</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 2in; text-align: justify">New York, New York 10281</P>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">550 South Tryon Street, 5th Floor</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.5in; text-align: justify">Charlotte, North Carolina 28202.</P>

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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: left">As Executive Vice President
and General Counsel of First Horizon Corporation, a Tennessee corporation (the &#8220;Company&#8221;), I am familiar with the
Registration Statement, the preliminary prospectus supplement of the Company, dated April 28, 2021 (including the basic prospectus
attached thereto and the documents incorporated by reference therein, the &#8220;<U>Pre-Pricing Prospectus</U>&#8221;), the Prospectus
and the Prospectus Supplement relating to the public offering of [&bull;] depositary shares (the &#8220;Depositary Shares&#8221;), each
representing a 1/4,000<SUP>th </SUP>interest in a share of the Company&#8217;s Non-Cumulative Perpetual Preferred Stock, Series
F, liquidation preference of $100,000 per share (the &#8220;Preferred Stock&#8221;), and evidenced by depositary receipts (the
&#8220;Depositary Receipts&#8221;) to be issued pursuant to the Deposit Agreement, dated as of the date hereof (the &#8220;Deposit
Agreement&#8221;), among the Company, Equiniti Trust Company, as depositary, and the holders from time to time of the Depositary
Receipts. The Depositary Shares are being offered and sold pursuant to an Underwriting Agreement, dated April 28, 2021 (&#8220;Underwriting
Agreement&#8221;), between the Underwriters listed on Schedule A thereto (the &#8220;Underwriters&#8221;) and the Company. I submit
this opinion to you pursuant to Section 6(b) of the Underwriting Agreement.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: left">Capitalized terms not defined herein shall
have the respective meanings assigned thereto in the Underwriting Agreement.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: left">I or persons acting under my supervision have
examined the originals or copies, certified or otherwise identified to my satisfaction, of the Restated Charter, as amended, of
the Company, the bylaws, as amended, of the Company, minutes and records of corporate proceedings of the Company, including, but
not limited to, resolutions adopted on January 26, 2021 by the Board of Directors of the Company, resolutions adopted by the senior
executive vice president and chief financial officer on April 28, 2021, the Registration Statement, the Pre-Pricing Prospectus,
the Prospectus, the Underwriting Agreement, and such other corporate records, certificates and other documents, and such questions
of law, as I or persons acting under my supervision have considered necessary or appropriate for purposes of this opinion. In rendering
such opinion, with your approval, I relied upon the accuracy of all statements of fact contained therein, and I have relied to
the extent I deem such reliance appropriate as to certain matters of fact on statements, representations and other information
obtained from public officials, officers of the Company and such other sources believed by me to be responsible, but I have not
independently verified the accuracy, completeness or fairness of the statements or representations contained in such documents,
except as set forth in paragraph 18 below.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: left">Based upon the foregoing and subject to the
limitations and qualifications set forth herein, it is my opinion that:</P>

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 15pt; text-align: right">(1)</TD><TD STYLE="width: 5pt"></TD><TD STYLE="text-align: justify">The Company has been duly incorporated and is validly existing as a corporation in
good standing under the laws of the State of Tennessee, with full corporate power and authority to own, lease and operate its
properties and conduct its business as described in the Registration Statement, the Pre-Pricing Prospectus and the Prospectus,
to execute and deliver the Underwriting Agreement and the Deposit Agreement and to perform its obligations thereunder, including,
without limitation, to issue, sell and deliver the Depositary Shares as contemplated by the Underwriting Agreement.</TD>
</TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: right">(2)</TD><TD></TD><TD STYLE="text-align: justify">The Company has been duly registered as a bank holding company under the Bank Holding
Company Act of 1956, as amended.</TD>
</TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: right">(3)</TD><TD></TD><TD STYLE="text-align: justify">To the best of my knowledge and other than as set forth in the Registration Statement,
the Pre-Pricing Prospectus or the Prospectus, the Company and each of its Significant Subsidiaries is in compliance with all laws
administered by and regulations applicable to it of any banking regulator and of any other federal or state agency or authority
with jurisdiction over it except where failure to so comply would not result in a Material Adverse Effect. To the best of my knowledge
and other than as set forth in the Registration Statement, the Pre-Pricing Prospectus or the Prospectus, neither the Company nor
any of its Significant Subsidiaries is a party to or otherwise subject to any consent decree, memorandum of understanding, written
commitment or other supervisory agreement with any banking regulator or any other federal or state agency or authority, nor has
the Company or any of its Significant Subsidiaries been advised by any banking regulator or any other federal or state agency
or authority that it is contemplating issuing or requesting any of the foregoing except where being a party to or subject to such
consent decree, memorandum of understanding, written commitment or other supervisory agreement would not result in a Material
Adverse Effect.</TD>
</TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: right">(4)</TD><TD></TD><TD STYLE="text-align: justify">First Horizon Bank (the &#8220;<U>Bank</U>&#8221;) has been duly organized and is
validly existing as a state-chartered bank under the laws of the State of Tennessee. Each of the other Significant Subsidiaries
has been duly incorporated or formed and is validly existing as a corporation or limited liability company, as applicable, in
good standing under the laws of the jurisdiction of its incorporation or formation, with full corporate or limited liability company
power and authority to own, lease and operate its properties and to conduct its business as described in the Registration Statement,
the Pre-Pricing Prospectus and the Prospectus.</TD>
</TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: right">(5)</TD><TD></TD><TD STYLE="text-align: justify">The Company and the Significant Subsidiaries are each duly qualified to do business
as a foreign corporation and are in good standing in each jurisdiction where the ownership or leasing of their respective properties
or the conduct of their respective businesses requires such qualification, except where the failure to be so qualified and in
good standing would not, individually or in the aggregate, have a Material Adverse Effect.</TD>
</TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: right">(6)</TD><TD></TD><TD STYLE="text-align: justify">The Underwriting Agreement has been duly authorized, executed and delivered by the
Company.</TD>
</TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: right">(7)</TD><TD></TD><TD STYLE="text-align: justify">The shares of Preferred Stock have been duly authorized and validly issued and are
fully paid and non-assessable, and the terms of the Preferred Stock are valid and binding on the Company.</TD>
</TR></TABLE>

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 15pt; text-align: right">(8)</TD><TD STYLE="width: 5pt"></TD><TD STYLE="text-align: justify">The Deposit Agreement has been duly authorized, executed and delivered by the Company
and constitutes a valid and legally binding obligation of the Company enforceable against the Company in accordance with its terms,
subject to bankruptcy, insolvency, fraudulent transfer, reorganization, moratorium and similar laws of general applicability relating
to or affecting creditors&#8217; rights and to general equity principles.</TD>
</TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: right">(9)</TD><TD></TD><TD STYLE="text-align: justify">The Company has an authorized and outstanding equity capitalization as set forth in
the Registration Statement, the Pre-Pricing Prospectus and the Prospectus; all of the issued and outstanding shares of Preferred
Stock of the Company have been duly authorized and validly issued, are fully paid and non-assessable; the shares of Preferred
Stock are free of statutory preemptive rights and, to my knowledge, contractual preemptive rights, resale rights, rights of first
refusal and similar rights; and the certificates for the shares of Preferred Stock are in proper form.</TD>
</TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: right">(10)</TD><TD></TD><TD STYLE="text-align: justify">All of the outstanding shares of capital stock or equity interests of each of the
Significant Subsidiaries have been duly authorized and validly issued, are fully paid and non-assessable and, except as otherwise
disclosed in the Registration Statement, the Pre-Pricing Prospectus and the Prospectus, are owned, directly or indirectly, by
the Company, in each case subject to no security interest, other encumbrance or adverse claim.</TD>
</TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: right">(11)</TD><TD></TD><TD STYLE="text-align: justify">The Bank is an insured bank under the applicable provisions of the Federal Deposit
Insurance Act, as amended, and no proceeding for the termination or revocation of such insurance is pending or, to my knowledge,
threatened against the Bank. The Bank has no subsidiaries that are depository institutions with deposits insured under the provisions
of the Federal Deposit Insurance Act, as amended.</TD>
</TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: right">(12)</TD><TD></TD><TD STYLE="text-align: justify">The capital stock of the Company, including the Preferred Stock, conforms in all material
respects to the description thereof, if any, contained in the Registration Statement, the Pre-Pricing Prospectus and the Prospectus.</TD>
</TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: right">(13)</TD><TD></TD><TD STYLE="text-align: justify">Each Incorporated Document, at the time such document was filed with the Commission
or at the time such document became effective, as applicable, complied as to form in all material respects with the requirements
of the Exchange Act (except as to the financial statements and schedules, and other financial data derived from accounting records,
contained in such document, as to which I express no opinion).</TD>
</TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: right">(14)</TD><TD></TD><TD STYLE="text-align: justify">No governmental or regulatory approval, authorization, consent, order or filing, or
approval of or notice to the shareholders of the Company is required in connection with the execution, delivery and performance
of the Underwriting Agreement and the Deposit Agreement by the Company, the execution and filing of the Articles of Amendment,
the issuance and sale of the Depositary Shares and the consummation by the Company of the transactions contemplated by the Underwriting
Agreement and the Deposit Agreement other than registration of the Preferred Stock and Depositary Shares under the Act, which
has been effected, the listing of the Depositary Shares on the NYSE, the registration of the Depositary Shares under the Exchange
Act and the filing of the Articles of Amendment with the Secretary of the State of Tennessee, which has been made (except that
I express no opinion as to any necessary qualification under the state securities or blue sky laws of the various</TD>
</TR></TABLE>

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0pt; width: 100%">                                                                                                                                                                                                                                                                                                                                                                                 <TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">jurisdictions in which the Securities are being offered by the
Underwriters and I express no opinion with respect to the Conduct Rules of FINRA).</TD></TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 15pt; text-align: right">(15)</TD><TD STYLE="width: 5pt"></TD><TD STYLE="text-align: justify">The execution, delivery and performance of the Underwriting Agreement and the Deposit
Agreement by the Company, the execution and filing of the Articles of Amendment, the issuance and sale of the Depositary Shares
and the consummation of the transactions contemplated by the Underwriting Agreement and the Deposit Agreement do not and will
not result in any breach or violation of or constitute a default under nor constitute any event which, with notice, lapse of time
or both, would result in any breach or violation of or constitute a default under or give the holder of any indebtedness (or a
person acting on such holder&#8217;s behalf) the right to require the repurchase, redemption or repayment of all or a part of
such indebtedness under or result in the creation or imposition of a lien, charge or encumbrance on any property or assets of
the Company or any Significant Subsidiary pursuant to (i) the Restated Charter or bylaws of the Company or the organizational
documents of any Significant Subsidiary, or (ii) any indenture, mortgage, deed of trust, bank loan or credit agreement or other
evidence of indebtedness, or any license, lease, contract or other agreement or instrument (collectively, &#8220;<U>Agreements
and Instruments</U>&#8221;) which is filed as an exhibit to the Registration Statement or any Incorporated Document or is otherwise
known by me to be an Agreement and Instrument to which the Company or any of the Significant Subsidiaries is a party or by which
the Company or any of the Significant Subsidiaries or any of their respective properties may be bound or affected, or (iii) federal
laws of the United States or the laws of the State of Tennessee, or (iv) any decree, judgment or order applicable to the Company
or any of the Significant Subsidiaries or any of their respective properties, which decree, judgment or order is known by me,
except in the case of (ii), (iii) or (iv) such breach, violation, default or requirement would not, individually or in the aggregate,
have a Material Adverse Effect; provided, however, that for purposes of clause (iii), I express no opinion as to federal or state
securities laws, other anti-fraud laws, fraudulent transfer laws, tax laws, antitrust laws or the Employee Retirement Income Security
Act of 1974.</TD>
</TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: right">(16)</TD><TD></TD><TD STYLE="text-align: justify">To my knowledge, there are no contracts, licenses, agreements, leases or documents
of a character which are required to be described in the Registration Statement, the Pre-Pricing Prospectus or the Prospectus
or to be filed as an exhibit to the Registration Statement or any Incorporated Document which have not been so described or filed
as required.</TD>
</TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: right">(17)</TD><TD></TD><TD STYLE="text-align: justify">To my knowledge, (i) the Company is not a party to any legal or governmental action
or proceeding that challenges the validity or enforceability, or seeks to enjoin the performance, of the Underwriting Agreement,
the Deposit Agreement or the Articles of Amendment; and (ii) there are no actions, suits, claims, investigations or proceedings
pending or threatened to which the Company or any Significant Subsidiary or any of their respective directors or officers is or
would be a party or to which any of their respective properties is or would be subject at law or in equity, before or by any federal,
state, local or foreign governmental or regulatory commission, board, body, authority or agency which are required to be described
in the Registration Statement, the Pre-Pricing Prospectus or the Prospectus but are not so described as required.</TD>
</TR></TABLE>

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

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

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<TD STYLE="width: 15pt; text-align: right">(18)</TD><TD STYLE="width: 5pt"></TD><TD STYLE="text-align: justify">The statements in the Registration Statement, the Pre-Pricing Prospectus, the Prospectus
and the Incorporated Documents under the headings &#8220;Regulatory Considerations&#8221;, &#8220;Description of Preferred Stock&#8221;,
&#8220;Description of the Series F Preferred Stock&#8221;, &#8220;Description of Depositary Shares&#8221; and &#8220;Underwriting&#8221;,
insofar as such statements constitute summaries of documents or legal proceedings or refer to matters of federal or Tennessee
law or legal conclusions, are accurate and complete in all material respects and present fairly the information purported to be
shown.</TD>
</TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: right">(19)</TD><TD></TD><TD STYLE="text-align: justify">I or persons acting under my supervision have
participated in conferences with other officers and other representatives of the Company, representatives of the independent public
accountants of the Company, representatives of the Company&#8217;s outside counsel and representatives of the Underwriters at
which the contents of the Registration Statement, the Pre-Pricing Prospectus and the Prospectus were discussed and, although I
am not passing upon and do not assume responsibility for the accuracy, completeness or fairness of the statements contained in
the Registration Statement, the Pre-Pricing Prospectus, the Pricing Disclosure Package (as defined below) or the Prospectus (except
as and to the extent stated in subparagraphs 9, 12 and 18 above), on the basis of these discussions, nothing has come to my attention
or to the attention of those lawyers under my supervision that causes me to believe that (i) the Registration Statement, at the
Effective Time, contained an untrue statement of a material fact or omitted to state a material fact required to be stated therein
or necessary to make the statements therein not misleading; (ii) the Pricing Disclosure Package (as defined below), as of the
Applicable Time, included an untrue statement of a material fact or omitted to state a material fact necessary in order to make
the statements therein, in the light of the circumstances under which they were made, not misleading or (iii) the Prospectus,
as of the date of the Prospectus Supplement, or as of the date hereof, included or includes an untrue statement of a material
fact or omitted or omits to state a material fact necessary in order to make the statements therein, in the light of the circumstances
under which they were made, not misleading (it being understood that I express no opinion in this paragraph 19 with respect to
the financial statements and schedules, and other financial data derived from accounting records, included in the Registration
Statement, the Pre-Pricing Prospectus, the Pricing Disclosure Package, the Prospectus Supplement or the Prospectus). As used herein,
(A) &#8220;<U>Applicable Time</U>&#8221; means [&bull;] P.M., New York City time, on May 3, 2021 (which you have informed me is prior
to the time of the first sale of Depositary Shares by any Underwriter) and (B) &#8220;<U>Pricing Disclosure Package</U>&#8221;
means the Pre-Pricing Prospectus, taken together with the Final Term Sheet, dated April [28], 2021.</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">The opinions expressed herein are limited to the federal laws
of the United States and the laws of the State of Tennessee, and I am expressing no opinion as to the effect of the laws of any
other jurisdiction. Accordingly, as to all matters relating to or involving the application of the laws of the State of New York,
I have relied, with your consent, solely upon the opinion of Sullivan&nbsp;&amp; Cromwell LLP, dated the date hereof, and delivered
to you pursuant to Section 6(a) of the Underwriting Agreement, and my opinion is subject to the same assumptions, qualifications
and limitations with respect to such matters as are contained in the opinion of Sullivan&nbsp;&amp; Cromwell LLP.</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: left">The opinions expressed herein are as of the
date hereof, and I assume no obligation to update any of the opinions for subsequent events or developments of any nature.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: left">This letter is furnished by me, solely in
my capacity as General Counsel of the Company, to you, as Representative of the Underwriters, solely for the benefit of the Underwriters
in their capacity as such, and may not be relied upon by any other person without my written consent, except that Sullivan&nbsp;&amp;
Cromwell LLP and Cravath, Swaine&nbsp;&amp; Moore LLP may rely on this opinion as to matters of Tennessee law. This letter may
not be quoted, referred to or furnished to any purchaser or prospective purchaser of the Depositary Shares and may not be used
in furtherance of any offer or sale of the Depositary Shares.</P>

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

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

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

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

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

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

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


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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">CAO Certificate</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-top: 0pt; margin-bottom: 0pt; text-align: center">[See attached.]</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">EXECUTION VERSION</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-top: 0pt; margin-bottom: 0pt; text-align: center">OFFICER&#8217;S CERTIFICATE</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-top: 0pt; margin-bottom: 0pt; text-align: center">April 28, 2021</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-indent: 0.5in; text-align: justify">The undersigned, Jeff L. Fleming, the duly
appointed Chief Accounting Officer of First Horizon Corporation, a Tennessee corporation (the &#8220;<U>Company</U>&#8221;), solely
in his capacity as an officer of the Company, does hereby certify, to the best of his knowledge, pursuant to Section 6(e) of that
certain Underwriting Agreement dated April 28, 2021 (the &#8220;<U>Underwriting Agreement</U>&#8221;) between the Company and
Morgan Stanley&nbsp;&amp; Co. LLC, BofA Securities, Inc., J.P. Morgan Securities LLC, Keefe, Bruyette&nbsp;&amp; Woods, Inc.,
RBC Capital Markets, LLC and Wells Fargo Securities, LLC, as representatives of the several underwriters named in Schedule A thereto,
that as of the date hereof:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in; text-align: left">1.</TD><TD STYLE="text-align: justify">The undersigned is familiar with the books and records and internal accounting practices,
policies, procedures and controls of the Company and has had responsibility for accounting matters with respect to the Company.</TD>
</TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: left">2.</TD><TD STYLE="text-align: justify">The undersigned has read the Company&#8217;s financial statements, books and records
or schedules or analyses derived therefrom that the undersigned has deemed necessary to perform the procedures and make the certification
set forth in paragraph 3 below.</TD>
</TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: left">3.</TD><TD STYLE="text-align: justify">The undersigned has reviewed the items identified on certain pages of the Registration
Statement, each Pre-Pricing Prospectus, the Pricing Disclosure Package, and the Prospectus, which are attached as Annex A, and
has compared the ranges or numbers identified to the amounts included in a schedule prepared by the Company based on its accounting
records, and the information contained therein is materially correct or, in the case of estimates, was prepared in good faith
on the basis of reasonable assumptions.</TD>
</TR></TABLE>

<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-indent: 0.5in; text-align: justify">This certificate is being
delivered to the underwriters to assist them in conducting and documenting their investigation of the affairs of the Company and
its subsidiaries in connection with the offering of the Securities, and it is not to be used, circulated, quoted, or otherwise
referred to within or without the underwriters for any other purpose. The undersigned makes no representations regarding the sufficiency
for your purposes of the procedures described in paragraph 3 above.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">All capitalized terms used
but not defined herein shall have the meanings set forth in the Underwriting Agreement.</P>

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

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

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">IN WITNESS WHEREOF the undersigned
has signed his name as of the date first written above.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; color: #1C1C1C">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; color: #1C1C1C"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0.75pt; font-variant: small-caps">First Horizon Corporation</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0.75pt">By:</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1px solid; text-align: left">&nbsp;&nbsp;/s/ Jeff. L. Fleming</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; text-indent: 5.4pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-bottom: 0.75pt">&nbsp;&nbsp;Name:&nbsp; Jeff L. Fleming</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; text-indent: 5.4pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 0.75pt; padding-bottom: 0.75pt">&nbsp;&nbsp;Title:&nbsp;&nbsp;&nbsp; Chief Accounting Officer</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 50%"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.75pt; width: 1%"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.75pt; width: 7%"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.75pt; width: 32%"></TD>
    <TD STYLE="width: 10%"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; color: #1C1C1C">&nbsp;</P>



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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><U>Officers&#8217; Certificate </U></P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">[See
attached.]</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">OFFICERS&#8217; CERTIFICATE</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">May 3, 2021</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-indent: 1in; text-align: justify">Each of the undersigned,
D. Bryan Jordan, President and Chief Executive Officer of First Horizon Corporation, a Tennessee corporation (the &#8220;<U>Company</U>&#8221;),
and William C. Losch III, Senior Executive Vice President and Chief Financial Officer of the Company, solely in his capacity as
an officer of the Company, does hereby certify, to the best of his knowledge, pursuant to Section 6(i) of that certain Underwriting
Agreement dated April 28, 2021 (the &#8220;<U>Underwriting Agreement</U>&#8221;) between the Company and Morgan Stanley&nbsp;&amp;
Co. LLC, BofA Securities, Inc., J.P. Morgan Securities LLC, Keefe, Bruyette&nbsp;&amp; Woods, Inc., RBC Capital Markets, LLC and
Wells Fargo Securities, LLC, as representatives of the several underwriters named in Schedule A thereto, that as of the date hereof:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 15pt; text-align: left">1.</TD><TD STYLE="width: 5pt"></TD><TD STYLE="text-align: justify">He has reviewed the Registration Statement, each Pre-Pricing Prospectus, the Pricing
Disclosure Package, the Prospectus and each Permitted Free Writing Prospectus.</TD>
</TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 15pt; text-align: left">2.</TD><TD STYLE="width: 5pt"></TD><TD STYLE="text-align: justify">The representations and warranties of the Company as set forth in the Underwriting
Agreement are true and correct, in all material respects (to the extent not otherwise qualified therein as to materiality or Material
Adverse Effect), as of the date hereof and as if made on the date hereof.</TD>
</TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 15pt; text-align: left">3.</TD><TD STYLE="width: 5pt"></TD><TD STYLE="text-align: justify">The Company has performed all of its obligations under the Underwriting Agreement,
in all material respects (to the extent not otherwise qualified therein as to materiality or Material Adverse Effect), as are
to be performed at or before the date hereof.</TD>
</TR></TABLE>

<P STYLE="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-indent: 1in; text-align: justify">Capitalized terms used
herein without definition shall have the respective meanings ascribed to them in the Underwriting Agreement.</P>

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

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

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">I<FONT STYLE="font-size: 10pt">N </FONT>W<FONT STYLE="font-size: 10pt">ITNESS
</FONT>W<FONT STYLE="font-size: 10pt">HEREOF</FONT>, the undersigned have hereunto set their hands on this 3<SUP>rd </SUP>day of
May, 2021.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 59%">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; width: 3%; text-align: left; vertical-align: top; border-top: Black 1px solid">Name:&nbsp;&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; width: 30%; border-top: Black 1px solid">D. Bryan Jordan</TD>
    <TD STYLE="width: 8%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; text-align: left; vertical-align: top">Title:</TD>
    <TD STYLE="padding: 0.75pt">President and Chief Executive Officer</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: left; vertical-align: top">&nbsp;</TD>
    <TD STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; text-align: left; vertical-align: top; border-top: Black 1px solid">Name: </TD>
    <TD STYLE="padding: 0.75pt; border-top: Black 1px solid">William C. Losch III</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; text-align: left; vertical-align: top">Title:</TD>
    <TD STYLE="padding: 0.75pt">Senior Executive Vice President and Chief Financial Officer</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>


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<TYPE>EX-3.1
<SEQUENCE>3
<FILENAME>c101664_ex3-1.htm
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 3.1</B></P>

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

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

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

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

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

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

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

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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Under Sections 48-16-102 and 48-20-106
of the Tennessee Business Corporation Act</B></P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">The undersigned, being
a duly authorized officer of First Horizon Corporation (the &ldquo;<U>Corporation</U>&rdquo;), acting pursuant to Sections 48-16-102
and 48-20-106 of the Tennessee Business Corporation Act, hereby certifies as follows:</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 12pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="width: 18pt">&nbsp;</TD>
    <TD STYLE="width: 18pt; font: 12pt Times New Roman, Times, Serif">1.</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">The name of the Corporation is FIRST HORIZON CORPORATION.</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">2.</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">The Restated Charter is hereby amended by the addition of a new section
    to Article 10 stating the number, designation, relative rights, preferences and limitations of a new series of preferred stock
    as fixed by the Board of Directors, which section shall read in its entirety as follows:</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(1) <U>Designation
and Number of Shares</U>. There is hereby created out of the authorized and unissued shares of Preferred Stock of the
Corporation a series of Preferred Stock designated as the &ldquo;Non-Cumulative Perpetual Preferred Stock, Series F&rdquo;
(hereinafter called &ldquo;<U>Series F Preferred Stock</U>&rdquo;) initially consisting of 1,500 shares. The number of shares
constituting the Series F Preferred Stock may be increased from time to time by resolution of the Board of Directors, without
the vote or consent of the holders of Series F Preferred Stock in accordance with law up to the maximum number of shares of
Preferred Stock authorized to be issued under the Restated Charter, less all shares at the time authorized of any other
series of Preferred Stock. Shares of Series F Preferred Stock shall be dated the date of issue; provided, that any such
additional shares of Series F Preferred Stock are not treated as &ldquo;disqualified preferred stock&rdquo; within the
meaning of Section 1059(f)(2) of the Internal Revenue Code of 1986, as amended, or any successor provision, and such
additional shares of Series F Preferred Stock are otherwise treated as fungible with the initial 1,500 shares of Series F
Preferred Stock for U.S. federal income tax purposes. Shares of outstanding Series F Preferred Stock that are redeemed,
purchased or otherwise acquired by the Corporation shall, after such redemption, purchase or acquisition, be cancelled and
shall revert to authorized but unissued shares of Preferred Stock undesignated as to series until such shares are once more
designated as part of a particular series by the Board of Directors.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(2) <U>Standard Provisions</U>.
The Standard Provisions contained in Annex F attached hereto are incorporated herein by reference in their entirety and shall
be deemed to be a</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt">part of this Article 10(f) to the same extent as if such provisions
had been set forth in full herein.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(3) <U>Definitions</U>.
The following terms are used in this Article 10(f) (including the Standard Provisions in Annex F hereto) as defined 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 0pt 36pt; text-indent: 36pt">&ldquo;<U>Board of Directors</U>&rdquo;
means the Board of Directors of the Corporation or any duly authorized committee thereof.</P>

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<U>Dividend Payment
Date</U>&rdquo; means each January 10, April 10, July 10 and October 10, commencing July 10, 2021; <I>provided</I>, <I>however</I>,
that if any such date is not a Business Day, then such date shall nevertheless be a Dividend Payment Date but dividends on the
Series F Preferred Stock, when, as and if declared, shall be paid on the next succeeding Business Day (without interest or any
other adjustment in the amount of the dividend per share of Series F Preferred Stock).</P>

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

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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<U>Series A Preferred
Stock</U>&rdquo; means the Non-Cumulative Perpetual Preferred Stock, Series A, of the Corporation.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<U>Series B Preferred
Stock</U>&rdquo; means the 6.625% Fixed-to-Floating Non-Cumulative Perpetual Preferred Stock, Series B, of the Corporation.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<U>Series C Preferred
Stock</U>&rdquo; means the 6.60% Fixed-to-Floating Non-Cumulative Perpetual Preferred Stock, Series C, of the Corporation.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<U>Series D Preferred
Stock</U>&rdquo; means the 6.100% Fixed-to-Floating Non-Cumulative Perpetual Preferred Stock, Series D, of the Corporation.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<U>Series E Preferred
Stock</U>&rdquo; means the Non-Cumulative Perpetual Preferred Stock, Series E, of the Corporation.</P>

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 12pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="width: 18pt">&nbsp;</TD>
    <TD STYLE="width: 18pt; font: 12pt Times New Roman, Times, Serif">3.</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">The foregoing amendment to the Restated Charter was authorized
    by the Board of Directors (by duly authorized resolution on January 26, 2021) and by the Board&rsquo;s duly authorized senior
    executive officer on April 28, 2021, without shareholder approval, as such was not required.</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 12pt Times New Roman, Times, Serif">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">4.</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">The foregoing amendment will be effective upon filing of the Articles
    of Amendment with the Secretary of State of the State of Tennessee.</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

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

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    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 12pt Times New Roman, Times, Serif">FIRST HORIZON CORPORATION</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="width: 50%; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 3%; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 42%; font: 12pt Times New Roman, Times, Serif; padding-left: 10pt">/s/ Clyde A. Billings, Jr.</TD>
    <TD STYLE="width: 5%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">Date: April 28, 2021</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">By:&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; border-bottom: Black 2px solid">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font: 12pt Times New Roman, Times, Serif">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-left: 10pt">Clyde A. Billings, Jr., Corporate Secretary</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>


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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&ldquo;<U>Dividend Parity
Stock</U>&rdquo; means any other class or series of capital stock of the Corporation now or hereafter authorized, issued or
outstanding that, by its terms, expressly provides that it ranks <I>pari passu </I>with the Series F Preferred Stock as to
the payment of dividends (regardless whether such capital stock bears dividends on a non-cumulative or cumulative basis).
Each of the Series A Preferred Stock, Series B Preferred Stock, Series C Preferred Stock, Series D Preferred Stock and Series
E Preferred Stock is a dividend parity stock.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&ldquo;<U>Dividend Period</U>&rdquo;
means each period from and including a Dividend Payment Date to, but excluding, the next succeeding Dividend Payment Date, except
that the initial Dividend Period shall commence on and include the Original Issue Date.</P>

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&ldquo;<U>DTC</U>&rdquo;
means The Depository Trust Company, together with its successors and assigns.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&ldquo;<U>Liquidation Junior
Stock</U>&rdquo; means any other class or series of capital stock of the Corporation now or hereafter authorized, issued or
outstanding that, by its terms, does not expressly provide that it ranks <I>pari passu </I>with or senior to the Series F
Preferred Stock as to distributions upon the liquidation, dissolution or winding-up of the Corporation.</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&ldquo;<U>Liquidation
Parity Stock</U>&rdquo; means any other class or series of capital stock of the Corporation now or hereafter authorized, issued
or outstanding that, by its terms, expressly provides that it ranks <I>pari passu </I>with the Series F Preferred Stock as to
distributions upon the liquidation, dissolution or winding-up of the Corporation. Each of the Series A Preferred Stock, Series
B Preferred Stock, Series C Preferred Stock, Series D Preferred Stock and Series E Preferred Stock is a Liquidation Parity Stock.</P>

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

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

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

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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">Preferred Stock is issued and outstanding.</P>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt">Section 3. <U>Dividends</U>.</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">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Rate and Payment</U>.
Holders of Series F Preferred Stock shall be entitled to receive, when, as and if declared by the Board of Directors, out of assets
legally available therefor, non-cumulative cash dividends at a rate equal to 4.70% of the Series F Liquidation Amount <I>per annum</I>,
payable in arrears, on each Dividend Payment Date with respect to the Dividend Period (or portion thereof) ending on the day preceding
such respective Dividend Payment Date. Dividends that are payable on the Series F Preferred Stock on any Dividend Payment Date
shall be payable to holders of record of Series F Preferred Stock as they appear on the Corporation&rsquo;s stock register on
the applicable record date, which shall be the 15th calendar day before the applicable Dividend Payment Date, or such other record
date, no more than 60 calendar days nor less than 10 calendar days before the applicable Dividend Payment Date, as shall be fixed
by the Board of Directors (the &ldquo;<U>Dividend Record Date</U>&rdquo;). A Dividend Record Date established for the Series F
Preferred Stock need not be a Business Day. Any such day that is a Dividend Record Date shall be a Dividend Record Date whether
or not such day is a Business Day. Dividends payable on Series F Preferred Stock shall be computed on the basis of a 360-day year
consisting of twelve 30-day months. Dollar amounts resulting from that calculation shall be rounded to the nearest cent, with
one-half cent being rounded upward. The Corporation shall not pay interest or any sum of money instead of interest on any dividend
payment that may be in arrears on the Series F Preferred Stock.</P>

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

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

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

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

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 68pt">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;no dividend shall
be declared, paid or set aside for payment, and no distribution shall be declared, made or set aside for payment, on any Junior
Stock, other than (1) a dividend payable solely in Junior Stock or (2) any dividend in connection with the implementation of a
stockholders&rsquo; rights plan, or the redemption or repurchase of any rights under any such plan;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 68pt">(ii)&nbsp;&nbsp;&nbsp;&nbsp;no shares
of Junior Stock shall be repurchased, redeemed or otherwise acquired for consideration by the Corporation, directly or
indirectly, other than (1) as a result of a reclassification of Junior Stock for or into other Junior Stock, (2) the exchange
or conversion of Junior Stock for or into other Junior Stock, (3) through the use of the proceeds of a sale of other shares
of Junior Stock within the preceding 180 days, (4) purchases, redemptions or other acquisitions of shares of Junior Stock in
connection with any employment contract, benefit plan or other similar arrangement with or for the benefit of employees,
officers, directors or consultants, (5) purchases of shares of Junior Stock pursuant to a contractually binding requirement
to buy Junior Stock existing prior to the most recently completed Dividend Period, including under a contractually binding
stock repurchase plan (including a so-called Rule 10b5-1(c) purchase plan), (6) the purchase of fractional interests in
shares of Junior Stock pursuant to the conversion or exchange provisions of such stock or the security being converted or
exchanged, (7) purchases or other acquisitions by any of the Corporation&rsquo;s broker-dealer subsidiaries solely for the
purpose of market making, stabilization or customer facilitation transactions in Junior Stock in the ordinary course of
business, (8) purchases by any of the Corporation&rsquo;s broker-dealer subsidiaries of the Corporation&rsquo;s capital stock
for resale pursuant to an offering by the Corporation of such capital stock underwritten by such broker-dealer subsidiary, or
(9) the acquisition by the Corporation or any of the Corporation&rsquo;s subsidiaries of record ownership in Junior Stock for
the beneficial ownership of any other persons (other than for the beneficial ownership by the Corporation or any of the
Corporation&rsquo;s subsidiaries), including as trustees or custodians, nor shall any monies be paid to or made available for
a sinking fund for the redemption of any such securities by the Corporation, and</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 68pt">(iii)&nbsp;&nbsp;&nbsp;no shares of
Dividend Parity Stock shall be repurchased, redeemed or otherwise acquired for consideration by the Corporation, directly or
indirectly, other than (1) pursuant to <I>pro rata </I>offers to purchase all, or a <I>pro rata </I>portion, of the Series F
Preferred Stock and such Dividend Parity Stock, (2) as a result of a reclassification of Dividend Parity Stock for or into
other Dividend Parity Stock, (3) the exchange or conversion of Dividend Parity Stock for or into other Dividend Parity Stock,
(4) through the use of the proceeds of a sale of other shares of Dividend Parity Stock within the preceding 180 days, (5)
purchases of shares of Dividend Parity Stock pursuant to a contractually binding requirement to buy Dividend Parity Stock
existing prior to the most recently completed Dividend Period, including under a contractually binding stock repurchase plan
(including a so-called Rule 10b5-1(c) purchase plan), (6) the purchase of fractional interests in shares of Dividend Parity
Stock pursuant to the conversion or exchange provisions of such stock or the security being converted or exchanged, (7)
purchases or other acquisitions by any of the Corporation&rsquo;s broker-dealer subsidiaries solely for the purpose of market
making, stabilization or customer facilitation transactions in Dividend Parity Stock in the ordinary course of business, (8)
purchases by any of the Corporation&rsquo;s broker-dealer subsidiaries of the Corporation&rsquo;s capital stock for resale
pursuant to an offering by the Corporation of such capital stock underwritten by such broker-dealer subsidiary, or (9) the
acquisition by the Corporation or any of the Corporation&rsquo;s subsidiaries of record ownership in</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Dividend Parity Stock for the beneficial ownership of any other
persons (other than for the beneficial ownership by the Corporation or any of the Corporation&rsquo;s subsidiaries), including
as trustees or custodians, nor shall any monies be paid to or made available for a sinking fund for the redemption of any such
securities by the Corporation.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">When dividends are not
paid in full upon the shares of Series F Preferred Stock and any Dividend Parity Stock, all dividends paid or declared for payment
on a dividend payment date with respect to the Series F Preferred Stock and the Dividend Parity Stock shall be shared (i) first
ratably by the holders of any Dividend Parity Stock who have the right to receive dividends with respect to past dividend periods
for which such dividends were not declared and paid, in proportion to the respective amounts of the undeclared and unpaid dividends
relating to past dividend periods, and thereafter (ii) ratably by the holders of Series F Preferred Stock and any Dividend Parity
Stock, in proportion to the respective amounts of the declared and unpaid dividends relating to the current dividend period. To
the extent a dividend period with respect to any Dividend Parity Stock coincides with more than one Dividend Period with respect
to the Series F Preferred Stock, for purposes of the immediately preceding sentence the Board of Directors shall treat such dividend
period as two or more consecutive dividend periods, none of which coincides with more than one Dividend Period with respect to
the Series F Preferred Stock or in any manner that it deems to be fair and equitable. The term &ldquo;<U>dividend period</U>&rdquo;
as used in this paragraph means such dividend periods as are provided for in the terms of any Dividend Parity Stock and, in the
case of shares of Series F Preferred Stock, Dividend Periods applicable to shares of Series F Preferred Stock; and the term &ldquo;<U>dividend
payment dates</U>&rdquo; as used in this paragraph means such dividend payment dates as are provided for in the terms of any Dividend
Parity Stock and, in the case of shares of Series F Preferred Stock, Dividend Payment Dates applicable to shares of Series F Preferred
Stock.</P>

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

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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt">Section 4. <U>Liquidation</U>.</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">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Voluntary or Involuntary
Liquidation</U>. In the event of any voluntary or involuntary liquidation, dissolution or winding-up of the Corporation, holders
of Series F Preferred Stock shall be entitled to receive out of assets of the Corporation or proceeds thereof available for distribution
to stockholders of the Corporation, after satisfaction of liabilities or obligations to</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">creditors and subject to the rights of holders of any securities
ranking senior to Series F Preferred Stock with respect to distributions upon the voluntary or involuntary liquidation, dissolution
or winding-up of the Corporation, before any distribution of assets is made to holders of any Liquidation Junior Stock, a liquidating
distribution in an amount equal to (i) the Series F Liquidation Amount plus (ii) the per share amount of any declared and unpaid
dividends on the Series F Preferred Stock prior to the date of payment of such liquidating distribution (but without any amount
in respect of dividends that have not been declared prior to such payment date). After payment of the full amount of such liquidating
distribution, the holders of Series F Preferred Stock shall not be entitled to any further participation in any distribution of
assets of the Corporation.</P>

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

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

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

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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt">Section 5. <U>Redemption</U>.</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">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Mandatory Redemption;
Sinking Fund</U>. The Series F Preferred Stock is perpetual and has no maturity date. The Series F Preferred Stock is not subject
to any mandatory redemption, sinking fund or other similar provisions. The holders of the Series F Preferred Stock shall not have
the right to require the redemption or repurchase of the Series F Preferred Stock.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Optional Redemption</U>.
The Corporation may, at its option through a resolution duly adopted by the Board of Directors, redeem the Series F Preferred
Stock at a price per share equal to the Redemption Price (1) in whole or in part, from time to time, on any Dividend Payment Date
on or after July 10, 2026, or (2) in whole, but not in part, at any time within 90 days following the occurrence of a Regulatory
Capital Treatment Event. The Redemption Price shall be payable to the holder of any shares of Series F Preferred Stock redeemed
on the date fixed for such redemption (the &ldquo;<U>Redemption Date</U>&rdquo;) against the surrender of the certificate(s) evidencing
such shares to the Corporation or its agent, if the shares of Series F Preferred Stock</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">are issued in certificated form; <I>provided </I>that any declared
but unpaid dividends payable on a Redemption Date that occurs subsequent to the Dividend Record Date for a Dividend Period shall
not be paid to the holder of Series F Preferred Stock entitled to receive the Redemption Price on the Redemption Date, but rather
shall be paid to the holder of record of the redeemed shares on such Dividend Record Date relating to the Dividend Payment Date
as provided in Section 3 above.</P>

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

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

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

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

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

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

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">claim to any such interest. Any funds so deposited and unclaimed
at the end of two years from the applicable Redemption Date shall, to the extent permitted by law, be released or repaid to the
Corporation, and in the event of such repayment to the Corporation, the holders of record of the shares of Series F Preferred
Stock called for redemption shall thereafter, as unsecured general creditors of the Corporation, look only to the Corporation
for the payment of an amount equivalent to the amount deposited as stated above for the redemption of such shares, but shall in
no event be entitled to any interest.</P>

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

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

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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 65pt">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;authorize or increase
the authorized amount of, or issue shares of, any class or series of capital stock of the Corporation ranking senior to the Series
F Preferred Stock with respect to payment of dividends or as to distributions upon the liquidation, dissolution or winding-up
of the Corporation, or issue any obligation or security convertible into or evidencing the right to purchase, any such class or
series of capital stock of the Corporation;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 65pt">(ii)&nbsp;&nbsp;&nbsp;&nbsp;amend the provisions
of the Restated Charter or Bylaws so as to materially and adversely affect the special powers, preferences, privileges or rights
of Series F Preferred Stock, taken as a whole; or</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 65pt">(iii)&nbsp;&nbsp;&nbsp;consummate a binding
share-exchange or reclassification involving the Series F Preferred Stock, or a merger or consolidation of the Corporation with
or into another entity, unless the shares of Series F Preferred Stock (i) remain outstanding or (ii) are converted into or exchanged
for preference securities of the surviving entity or any entity controlling such</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">surviving entity and such new preference securities have terms
that are not materially less favorable than those of the Series F Preferred Stock;</P>

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

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

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

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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(ii)&nbsp;&nbsp;&nbsp;&nbsp;In the event that
the holders of Series F Preferred Stock and, if applicable, such other holders of Voting Parity Stock shall be entitled to vote
for the election of the Preferred Stock Directors following a Nonpayment Event, such directors shall be initially elected following
such Nonpayment Event only at a special meeting called by the Secretary of the Corporation or at the written request of the holders
of record of at least 20% of the aggregate number of shares of Series F Preferred Stock and each other series of Voting Parity
Stock which then have the right to exercise voting rights similar to those described above then outstanding (unless such request
for a special meeting is received less than 90 days before the date fixed for the next annual or special meeting of the stockholders
of the Corporation, in which event such election shall be held only at such next annual or special meeting of stockholders), and
at each</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">subsequent annual meeting of stockholders of the Corporation.
Such request to call a special meeting for the initial election of the Preferred Stock Directors after a Nonpayment Event shall
be made by written notice, signed by the requisite holders of Series F Preferred Stock or Voting Parity Stock, and delivered to
the Secretary of the Corporation in such manner as provided for in Section 10 below, or as may otherwise be required by applicable
law. If the Secretary of the Corporation fails to call a special meeting for the election of the Preferred Stock Directors within
20 days of receiving proper notice, any holder of Series F Preferred Stock may call such a meeting at the Corporation&rsquo;s
expense solely for the election of the Preferred Stock Directors, and for this purpose only such Series F Preferred Stock holder
shall have access to the Corporation&rsquo;s stock ledger. The Preferred Stock Directors elected at any such special meeting shall
hold office until the next annual meeting of the stockholders if such office shall not have previously terminated as below provided.</P>

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

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

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

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

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

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

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

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 65pt">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to cure any ambiguity,
or to cure, correct or supplement any provision contained in this Articles of Amendment that may be defective or inconsistent;
or</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 65pt">(ii)&nbsp;&nbsp;&nbsp;&nbsp;to make any provision
with respect to matters or questions arising with respect to the Series F Preferred Stock that is not inconsistent with the provisions
of this Articles of Amendment.</P>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<!-- Field: Rule-Page --><DIV ALIGN="LEFT" STYLE="margin-top: 10pt; margin-bottom: 20pt"><DIV STYLE="font-size: 1pt; border-top: Black 2px solid; border-bottom: Black 1px solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->



<P STYLE="font: 16.02pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">DEPOSIT AGREEMENT</P>

<P STYLE="font: 30pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 16.02pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">among</P>

<P STYLE="font: 30pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 16.02pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">FIRST HORIZON CORPORATION,</P>

<P STYLE="font: 20pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 16.02pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">EQUINITI TRUST COMPANY,</P>

<P STYLE="font: 16.02pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">as Depositary</P>

<P STYLE="font: 20pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 16.02pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and</P>

<P STYLE="font: 20pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 16.02pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">THE HOLDERS FROM TIME TO TIME OF</P>

<P STYLE="font: 16.02pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">THE DEPOSITARY RECEIPTS DESCRIBED HEREIN</P>

<P STYLE="font: 30pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Dated as of May 3, 2021</P>
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<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="text-align: center"><B>TABLE OF CONTENTS</B></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 13%">&nbsp;</TD>
    <TD STYLE="width: 82%">&nbsp;</TD>
    <TD STYLE="width: 5%; text-align: right"><U>Page</U></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="text-align: center">ARTICLE I</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="text-align: center">Defined terms</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Section 1.1.</TD>
    <TD>Definitions</TD>
    <TD STYLE="text-align: right">1</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="text-align: center">ARTICLE II</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="text-align: center">Form of Receipts, Deposit of Stock,<BR> Execution and Delivery, Transfer,<BR> Surrender and Redemption of Receipts</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Section 2.1.</TD>
    <TD>Form and Transfer of Receipts</TD>
    <TD STYLE="text-align: right">3</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Section 2.2.</TD>
    <TD>Deposit of Stock; Execution and Delivery of Receipts in Respect Thereof</TD>
    <TD STYLE="text-align: right">4</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Section 2.3.</TD>
    <TD>Registration of Transfer of Receipts</TD>
    <TD STYLE="text-align: right">5</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left; vertical-align: top">Section 2.4.</TD>
    <TD>Split-ups and Combinations of Receipts; Surrender of Receipts and Withdrawal of Stock</TD>
    <TD STYLE="text-align: right">5</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left; vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Section 2.5.</TD>
    <TD>Limitations on Execution and Delivery, Transfer, Surrender and Exchange of Receipts</TD>
    <TD STYLE="text-align: right">6</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Section 2.6.</TD>
    <TD>Lost Receipts, etc.</TD>
    <TD STYLE="text-align: right">6</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Section 2.7.</TD>
    <TD>Cancellation and Destruction of Surrendered Receipts</TD>
    <TD STYLE="text-align: right">7</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Section 2.8.</TD>
    <TD>Redemption of Stock</TD>
    <TD STYLE="text-align: right">7</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Section 2.9.</TD>
    <TD>Receipts Issuable in Global Registered Form</TD>
    <TD STYLE="text-align: right">8</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="text-align: center">ARTICLE III</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="text-align: center">Certain Obligations of<BR> Holders of Receipts and the Company</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Section 3.1.</TD>
    <TD>Filing Proofs, Certificates and Other Information</TD>
    <TD STYLE="text-align: right">9</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Section 3.2.</TD>
    <TD>Payment of Taxes or Other Governmental Charges</TD>
    <TD STYLE="text-align: right">9</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Section 3.3.</TD>
    <TD>Warranty as to Stock</TD>
    <TD STYLE="text-align: right">10</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Section 3.4.</TD>
    <TD>Warranty as to Receipts</TD>
    <TD STYLE="text-align: right">10</TD></TR>
</TABLE>

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    <TD COLSPAN="3" STYLE="text-align: center">ARTICLE IV</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 13%">&nbsp;</TD>
    <TD STYLE="text-align: center; width: 82%">&nbsp;</TD>
    <TD STYLE="text-align: right; width: 5%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="text-align: center">The Deposited Securities; Notices</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Section 4.1.</TD>
    <TD>Cash Distributions</TD>
    <TD STYLE="text-align: right">10</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Section 4.2.</TD>
    <TD>Distributions Other than Cash, Rights, Preferences or Privileges</TD>
    <TD STYLE="text-align: right">10</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Section 4.3.</TD>
    <TD>Subscription Rights, Preferences or Privileges</TD>
    <TD STYLE="text-align: right">11</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Section 4.4.</TD>
    <TD>Notice of Dividends, etc.; Fixing Record Date for Holders of Receipts</TD>
    <TD STYLE="text-align: right">12</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Section 4.5.</TD>
    <TD>Voting Rights</TD>
    <TD STYLE="text-align: right">12</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Section 4.6.</TD>
    <TD>Changes Affecting Deposited Securities and Reclassifications, Recapitalizations, etc.</TD>
    <TD STYLE="text-align: right">13</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Section 4.7.</TD>
    <TD>Delivery of Reports</TD>
    <TD STYLE="text-align: right">13</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Section 4.8.</TD>
    <TD>Lists of Receipt Holders</TD>
    <TD STYLE="text-align: right">13</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="text-align: center">ARTICLE V</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="text-align: center">The Depositary, the Depositary&rsquo;s<BR> Agents, the Registrar and the Company</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Section 5.1.</TD>
    <TD>Maintenance of Offices, Agencies and Transfer Books by the Depositary; Registrar</TD>
    <TD STYLE="text-align: right">14</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left; vertical-align: top">Section 5.2.</TD>
    <TD>Prevention of or Delay in Performance by the Depositary, the Depositary&rsquo;s Agents, the Registrar or the Company</TD>
    <TD STYLE="text-align: right">14</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Section 5.3.</TD>
    <TD>Obligations of the Depositary, the Depositary&rsquo;s Agents, the Registrar and the Company</TD>
    <TD STYLE="text-align: right">15</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Section 5.4.</TD>
    <TD>Resignation and Removal of the Depositary; Appointment of Successor Depositary</TD>
    <TD STYLE="text-align: right">16</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Section 5.5.</TD>
    <TD>Corporate Notices and Reports</TD>
    <TD STYLE="text-align: right">17</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Section 5.6.</TD>
    <TD>Indemnification by the Company</TD>
    <TD STYLE="text-align: right">17</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Section 5.7.</TD>
    <TD>Fees, Charges and Expenses</TD>
    <TD STYLE="text-align: right">17</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="text-align: center">ARTICLE VI</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="text-align: center">Amendment and Termination</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Section 6.1.</TD>
    <TD>Amendment</TD>
    <TD STYLE="text-align: right">18</TD></TR>
</TABLE>

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<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 13%">Section 6.2.</TD>
    <TD STYLE="width: 82%">Termination</TD>
    <TD STYLE="width: 5%; text-align: right">18</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="text-align: center">ARTICLE VII</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="text-align: center">Miscellaneous</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Section 7.1.</TD>
    <TD>Counterparts</TD>
    <TD STYLE="text-align: right">19</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Section 7.2.</TD>
    <TD>Exclusive Benefit of Parties</TD>
    <TD STYLE="text-align: right">19</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Section 7.3.</TD>
    <TD>Invalidity of Provisions</TD>
    <TD STYLE="text-align: right">19</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Section 7.4.</TD>
    <TD>Notices</TD>
    <TD STYLE="text-align: right">20</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Section 7.5.</TD>
    <TD>Depositary&rsquo;s Agents</TD>
    <TD STYLE="text-align: right">21</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Section 7.6.</TD>
    <TD>Appointment of Registrar and Transfer Agent in Respect of the Receipts</TD>
    <TD STYLE="text-align: right">21</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left; vertical-align: top">Section 7.7.</TD>
    <TD>Appointment of Transfer Agent, Registrar, Dividend Disbursing Agent and Redemption Agent in Respect of the Stock</TD>
    <TD STYLE="text-align: right">21</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Section 7.8.</TD>
    <TD>Holders of Receipts Are Parties</TD>
    <TD STYLE="text-align: right">21</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Section 7.9.</TD>
    <TD>Governing Law</TD>
    <TD STYLE="text-align: right">21</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Section 7.10.</TD>
    <TD>Inspection of Deposit Agreement</TD>
    <TD STYLE="text-align: right">21</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Section 7.11.</TD>
    <TD>Headings</TD>
    <TD STYLE="text-align: right">22</TD></TR>
<TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Exhibit A</TD>
    <TD>Form of Receipt</TD>
    <TD STYLE="text-align: right">A-1</TD></TR>
</TABLE>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt; text-align: justify">DEPOSIT AGREEMENT dated as of May 3, 2021,
among (i) FIRST HORIZON CORPORATION, a Tennessee corporation, (ii) EQUINITI TRUST COMPANY, a limited trust company organized under
the laws of the State of New York, as depositary<B>, </B>and (iii) the holders from time to time of the Receipts described 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; text-align: justify">WHEREAS, it is desired to provide, as hereinafter
set forth in this Deposit Agreement, for the deposit of shares of Non-Cumulative Perpetual Preferred Stock, Series F, of the Company
with the Depositary for the purposes set forth in this Deposit Agreement and for the issuance hereunder of Receipts evidencing
Depositary Shares in respect of the Stock so deposited; and</P>

<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">WHEREAS, the Receipts are to be substantially
in the form of Exhibit A annexed hereto, with appropriate insertions, modifications and omissions, as hereinafter provided in this
Deposit 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; text-align: justify">NOW, THEREFORE, in consideration of the 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: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">ARTICLE I</P>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&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: 36pt">&nbsp;</TD>
    <TD STYLE="width: 72pt">Section 1.1.</TD>
    <TD><I>Definitions.</I></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">The following definitions shall for all purposes,
unless otherwise indicated, apply to the respective terms used in this Deposit 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-align: justify; text-indent: 36pt">&ldquo;<I>Articles of Amendment</I>&rdquo; shall mean the
Articles of Amendment of the Company&rsquo;s Restated Charter filed with the Secretary of State of the State of Tennessee
establishing the Stock as a series of preferred stock of the Company, as such Articles of Amendment may be amended or
supplemented from time to time.</P>

<P STYLE="font: 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; text-align: justify">&ldquo;<I>Company</I>&rdquo; shall mean First
Horizon Corporation, a Tennessee corporation, and its successors.</P>

<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">&ldquo;<I>Deposit Agreement</I>&rdquo; shall
mean this Deposit Agreement, as amended or supplemented from time to time in accordance with the terms hereof.</P>

<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">&ldquo;<I>Depositary</I>&rdquo; shall mean
Equiniti Trust Company, and any successor as Depositary 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; text-align: justify">&ldquo;<I>Depositary Shares</I>&rdquo; shall
mean the depositary shares, each representing one-four thousandth (1/4,000<SUP>th</SUP>) of one share of Stock and evidenced by
a Receipt.</P>

<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">&ldquo;<I>Depositary&rsquo;s Agent</I>&rdquo;
shall mean an agent appointed by the Depositary pursuant to Section 7.5.</P>

<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">&ldquo;<I>Depositary&rsquo;s Office</I>&rdquo;
shall mean the principal office of the Depositary, at which at any particular time its depositary receipt business shall be administered,
which at the date of this</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Deposit Agreement is located at 1110 Centre Pointe Curve, Suite
101, Mendota Heights, MN 55120.</P>

<P STYLE="font: 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; text-align: justify"><I>&ldquo;DTC&rdquo; </I>shall mean The Depository
Trust Company, together with its successors and assigns.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt; text-align: justify">&ldquo;<I>Exchange Act&rdquo; </I>shall mean
the Securities Exchange Act of 1934, as amended from time to time.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-align: justify">&ldquo;<I>Exchange Event</I>&rdquo; shall mean with respect
to any Global Registered 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 0pt 36pt; text-indent: 36pt; text-align: justify">(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(A) the Global Receipt Depository which
is the holder of such Global Registered Receipt notifies the Company that it is no longer willing or able to properly discharge
its responsibilities under any Letter of Representations or that it is no longer eligible or in good standing under Exchange Act
and (B) the Company has not appointed a qualified successor Global Receipt Depository within ninety (90) calendar days after the
Company received such notice, or</P>

<P STYLE="font: 12pt Times 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 36pt; text-indent: 36pt; text-align: justify">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the Company in its sole discretion notifies
the Depositary in writing that the Receipts or portion thereof issued or issuable in the form of one or more Global Registered
Receipts shall no longer be represented by such Global Registered Receipt.</P>

<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">&ldquo;<I>Global Receipt Depository</I>&rdquo; shall
mean, with respect to any Receipt issued hereunder, DTC or such other entity designated as Global Receipt Depository by the
Company in or pursuant to this Deposit Agreement, which entity must be, to the extent required by any applicable law or
regulation, a clearing agency registered under the Exchange Act.</P>

<P STYLE="font: 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; text-align: justify">&ldquo;<I>Global Registered Receipt</I>&rdquo;
shall mean a global registered Receipt registered in the name of a nominee of DTC.</P>

<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">&ldquo;<I>Letter of
Representations</I>&rdquo; shall mean any applicable agreement among the Company, the Depositary and a Global Receipt
Depository with respect to such Global Receipt Depository&rsquo;s rights and obligations with respect to any Global
Registered Receipt, as the same may be amended, supplemented, restated or otherwise modified from time to time and any
successor agreement thereto.</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; text-align: justify">&ldquo;<I>Receipt</I>&rdquo; shall mean one of the
depositary receipts, substantially in the form set forth as Exhibit A hereto, issued hereunder, whether in definitive or
temporary form and evidencing the number of Depositary Shares held of record by the record holder of such Depositary
Shares.</P>

<P STYLE="font: 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; text-align: justify">&ldquo;<I>record holder</I>&rdquo; or &ldquo;<I>holder</I>&rdquo;
as applied to a Receipt shall mean the person in whose name such Receipt is registered on the books of the Depositary maintained
for such purpose.</P>

<P STYLE="font: 12pt Times 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 36pt"><I>&ldquo;Redemption Date&rdquo; </I>shall have the meaning
set forth in Section 2.8.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-align: justify">&ldquo;<I>Redemption Price</I>&rdquo; shall have the meaning
set forth in the Articles of Amendment.</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; text-align: justify">&ldquo;<I>Registrar</I>&rdquo; shall mean
the Depositary or such other bank or trust company which shall be appointed by the Company to register ownership and transfers
of Receipts as herein provided</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">and if a Registrar shall be so appointed, references
herein to &ldquo;the books&rdquo; of or maintained by the Depositary shall be deemed, as applicable, to refer as well to the
register maintained by such Registrar for such purpose.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-align: justify">&ldquo;<I>Securities Act</I>&rdquo; shall mean the Securities
Act of 1933, as amended from time to time.</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; text-align: justify">&ldquo;<I>Stock</I>&rdquo; shall mean shares
of the Company&rsquo;s Non-Cumulative Perpetual Preferred Stock, Series F, no par value, $100,000 liquidation preference per share.</P>

<P STYLE="font: 12pt Times New 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">ARTICLE II</P>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; 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: 36pt">&nbsp;</TD>
    <TD STYLE="width: 72pt">Section 2.1.</TD>
    <TD><I>Form and Transfer of Receipts.</I></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">Definitive Receipts shall be
substantially in the form set forth in Exhibit A attached hereto, with appropriate insertions, modifications and omissions,
as hereinafter provided. Pending the preparation of definitive Receipts, the Depositary, upon the written order of the
Company, delivered in compliance with Section 2.2, shall execute and deliver temporary Receipts which are printed,
lithographed, typewritten, mimeographed or otherwise substantially of the tenor of the definitive Receipts in lieu of which
they are issued and with such appropriate insertions, omissions, substitutions and other variations as the persons executing
such Receipts may determine, as evidenced by their execution of such Receipts. If temporary Receipts are issued, the Company
and the Depositary will cause definitive Receipts to be prepared without unreasonable delay. After the preparation of
definitive Receipts, the temporary Receipts shall be exchangeable for definitive Receipts upon surrender of the temporary
Receipts at an office described in the second paragraph of Section 2.2, without charge to the holder. Upon surrender for
cancellation of any one or more temporary Receipts, the Depositary shall execute and deliver in exchange therefor definitive
Receipts representing the same number of Depositary Shares as represented by the surrendered temporary Receipt or Receipts.
Such exchange shall be made at the Company&rsquo;s expense and without any charge therefor. Until so exchanged, the temporary
Receipts shall in all respects be entitled to the same benefits under this Deposit Agreement, and with respect to the Stock,
as definitive Receipts.</P>

<P STYLE="font: 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; text-align: justify">Receipts shall be executed by the Depositary
by the manual or electronic signature of a duly authorized officer of the Depositary; provided, that such signature may be a facsimile
if a Registrar for the Receipts (other than the Depositary) shall have been appointed and such Receipts are countersigned by a
duly authorized officer of the Registrar. No Receipt shall be entitled to any benefits under this Deposit Agreement or be valid
or obligatory for any purpose unless it shall have been executed manually or electronically by a duly authorized officer of the
Depositary or, if a Registrar for the Receipts (other than the Depositary) shall have been appointed, by manual or electronic signature
of a duly authorized officer of the Depositary and countersigned by a duly authorized officer of such Registrar. The Depositary
shall record on its books each Receipt so signed and delivered as hereinafter provided.</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Receipts shall be in denominations of any number of whole Depositary
Shares.</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; text-align: justify">Receipts may be endorsed with or have incorporated
in the text thereof such legends or recitals or changes not inconsistent with the provisions of this Deposit Agreement, all as
may be required by the Depositary and approved by the Company or required to comply with any applicable law or any regulation thereunder
or with the rules and regulations of any securities exchange upon which the Stock, the Depositary Shares or the Receipts may be
listed or to conform with any usage with respect thereto, or to indicate any special limitations or restrictions to which any particular
Receipt is subject.</P>

<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">Title to Depositary Shares evidenced by a
Receipt which is properly endorsed or accompanied by a properly executed instrument of transfer, shall be transferable by delivery
with the same effect as in the case of a negotiable instrument; provided, however, that until transfer of a Receipt shall be registered
on the books of the Depositary as provided in Section 2.3, the Depositary may, notwithstanding any notice to the contrary, treat
the record holder thereof at such time as the absolute owner thereof for the purpose of determining the person entitled to distributions
of dividends or other distributions or to any notice provided for in this Deposit Agreement and for all other purposes.</P>

<P STYLE="font: 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: 36pt">&nbsp;</TD>
    <TD STYLE="width: 72pt">Section 2.2.</TD>
    <TD STYLE="text-align: justify"><I>Deposit of Stock; Execution and Delivery of Receipts in Respect Thereof.</I></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">Subject to the terms and conditions of this
Deposit Agreement, the Company may from time to time deposit shares of the Stock under this Deposit Agreement by delivery to the
Depositary of a certificate or certificates for the Stock to be deposited, properly endorsed or accompanied, if required by the
Depositary, by a duly executed instrument of transfer or endorsement, in form satisfactory to the Depositary, together with a written
order of the Company directing the Depositary to execute and deliver to, or upon the written order of, the person or persons stated
in such order a Receipt or Receipts evidencing in the aggregate the number of Depositary Shares representing such deposited Stock.</P>

<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">Deposited Stock shall be held by the Depositary
at the Depositary&rsquo;s Office or at such other place or places as the Depositary shall determine. The Depositary shall not lend,
transfer, pledge or otherwise hypothecate any Stock deposited hereunder.</P>

<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">Upon receipt by the Depositary of a
certificate or certificates for Stock deposited in accordance with the provisions of this Section, together with the other
documents required as above specified, and upon recordation of the Stock on the books of the Company (or its duly appointed
transfer agent) in the name of the Depositary or its nominee, the Depositary, subject to the terms and conditions of this
Deposit Agreement, shall execute and deliver to or upon the order of the person or persons named in the written order
delivered to the Depositary referred to in the first paragraph of this Section, a Receipt or Receipts evidencing in the
aggregate the number of Depositary Shares representing the Stock so deposited and registered in such name or names as may be
requested by such person or persons. The Depositary shall execute and deliver such Receipt or Receipts at the
Depositary&rsquo;s Office or such other offices, if any, as the Depositary may designate. Delivery at other offices shall be
at the risk and expense of the person requesting such delivery.</P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
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<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: 36pt">&nbsp;</TD>
    <TD STYLE="width: 72pt">Section 2.3.</TD>
    <TD><I>Registration of Transfer of Receipts.</I></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">Subject to the terms and conditions of this
Deposit Agreement, the Depositary shall register on its books from time to time transfers of Receipts upon any surrender thereof
by the holder in person or by duly authorized attorney, properly endorsed or accompanied by a properly executed instrument of transfer.
Thereupon, the Depositary shall execute a new Receipt or Receipts evidencing the same aggregate number of Depositary Shares as
those evidenced by the Receipt or Receipts surrendered and deliver such new Receipt or Receipts to or upon the order of the person
entitled thereto.</P>

<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">The Depositary shall not be required (a)
to issue, transfer or exchange any Receipts for a period beginning at the opening of business fifteen days next preceding any selection
of Depositary Shares and Stock to be redeemed and ending at the close of business on the day of the mailing of notice of redemption,
or (b) to transfer or exchange for another Receipt any Receipt called or being called for redemption in whole or in part except
as provided in Section 2.8.</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: 36pt">&nbsp;</TD>
    <TD STYLE="width: 72pt">Section 2.4.</TD>
    <TD STYLE="text-align: justify"><I>Split-ups and Combinations of Receipts; Surrender of Receipts and Withdrawal of Stock.</I></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">Upon surrender of a Receipt or Receipts at
the Depositary&rsquo;s Office or at such other offices as it may designate for the purpose of effecting a split-up or combination
of such Receipt or Receipts, and subject to the terms and conditions of this Deposit Agreement, the Depositary shall execute a
new Receipt or Receipts in the authorized denomination or denominations requested, evidencing the aggregate number of Depositary
Shares evidenced by the Receipt or Receipts surrendered, and shall deliver such new Receipt or Receipts to or upon the order of
the holder of the Receipt or Receipts so surrendered.</P>

<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">Any holder of a Receipt or Receipts may withdraw
the number of whole shares of Stock and all money and other property, if any, represented thereby by surrendering such Receipt
or Receipts, at the Depositary&rsquo;s Office or at such other offices as the Depositary may designate for such withdrawals. Thereafter,
without unreasonable delay, the Depositary shall deliver to such holder, or to the person or persons designated by such holder
as hereinafter provided, the number of whole shares of Stock and all money and other property, if any, represented by the Receipt
or Receipts so surrendered for withdrawal, but holders of such whole shares of Stock will not thereafter be entitled to deposit
such Stock hereunder or to receive a Receipt evidencing Depositary Shares therefor. If a Receipt delivered by the holder to the
Depositary in connection with such withdrawal shall evidence a number of Depositary Shares in excess of the number of Depositary
Shares representing the number of whole shares of Stock to be so withdrawn, the Depositary shall at the same time, in addition
to such number of whole shares of Stock and such money and other property, if any, to be so withdrawn, deliver to such holder,
or subject to Section 2.3 upon his order, a new Receipt evidencing such excess number of 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; text-align: justify">In no event will fractional shares of Stock
(or any cash payment in lieu thereof) be delivered by the Depositary; provided, that, in the event this Deposit Agreement is terminated
by the Company in accordance with Section 6.2, the Depositary shall deliver, upon surrender of the Receipts representing the Depositary
Shares, the number of whole or fractional shares of Stock as are represented by such Depositary Shares. Delivery of the Stock and
money and other</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">property, if any, being withdrawn may be made by the delivery
of such certificates, documents of title and other instruments as the Depositary may deem appropriate.</P>

<P STYLE="font: 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; text-align: justify">If the Stock and the money and other property,
if any, being withdrawn are to be delivered to a person or persons other than the record holder of the Receipt or Receipts being
surrendered for withdrawal of Stock, such holder shall execute and deliver to the Depositary a written order so directing the Depositary
and the Depositary may require that the Receipt or Receipts surrendered by such holder for withdrawal of such shares of Stock be
properly endorsed in blank or accompanied by a properly executed instrument of transfer in blank.</P>

<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">Delivery of the Stock and the money and other
property, if any, represented by Receipts surrendered for withdrawal shall be made by the Depositary at the Depositary&rsquo;s
Office.</P>

<P STYLE="font: 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: 36pt">&nbsp;</TD>
    <TD STYLE="width: 72pt">Section 2.5.</TD>
    <TD STYLE="text-align: justify"><I>Limitations on Execution and Delivery, Transfer, Surrender and Exchange of Receipts.</I></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">As a condition precedent to the
execution and delivery, registration of transfer, split-up, combination, surrender or exchange of any Receipt, the
Depositary, any of the Depositary&rsquo;s Agents or the Company may require payment to it of a sum sufficient for the payment
(or, in the event that the Depositary or the Company shall have made such payment, the reimbursement to it) of any charges or
expenses payable by the holder of a Receipt pursuant to Section 5.7, may require the production of evidence satisfactory to
it as to the identity and genuineness of any signature and may also require compliance with such regulations, if any, as the
Depositary or the Company may establish consistent with the provisions of this Deposit Agreement and/or applicable law.</P>

<P STYLE="font: 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; text-align: justify">The deposit of Stock may be refused, the
delivery of Receipts against Stock may be suspended, the registration of transfer of Receipts may be refused and the registration
of transfer, surrender or exchange of outstanding Receipts may be suspended (i) during any period when the register of stockholders
of the Company is closed or (ii) if any such action is deemed necessary or advisable by the Depositary, any of the Depositary&rsquo;s
Agents or the Company at any time or from time to time because of any requirement of law or of any government or governmental body
or commission or under any provision of this Deposit Agreement.</P>

<P STYLE="font: 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: 36pt">&nbsp;</TD>
    <TD STYLE="width: 72pt">Section 2.6.</TD>
    <TD><I>Lost Receipts, etc.</I></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">In case any Receipt shall be mutilated, destroyed,
lost or stolen, the Depositary in its discretion may execute and deliver a Receipt of like form and tenor in exchange and substitution
for such mutilated Receipt, or in lieu of and in substitution for such destroyed, lost or stolen Receipt, upon (i) the filing by
the holder thereof with the Depositary of evidence satisfactory to the Depositary of such mutilation, destruction, loss or theft
of such Receipt, of the authenticity thereof and of his or her ownership thereof and (ii) the holder thereof furnishing of the
Depositary with reasonable indemnification satisfactory to the Depositary.</P>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt">&nbsp;</TD>
    <TD STYLE="width: 72pt">Section 2.7.</TD>
    <TD><I>Cancellation and Destruction of Surrendered Receipts.</I></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">All Receipts surrendered to the Depositary
or any Depositary&rsquo;s Agent shall be cancelled by the Depositary. Except as prohibited by applicable law or regulation, the
Depositary is authorized and directed to destroy all Receipts so cancelled.</P>

<P STYLE="font: 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: 36pt">&nbsp;</TD>
    <TD STYLE="width: 72pt">Section 2.8.</TD>
    <TD><I>Redemption of Stock.</I></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">Whenever the Company shall be
permitted and shall elect to redeem shares of Stock in accordance with the provisions of the Articles of Amendment, it shall
(unless otherwise agreed to in writing with the Depositary) give or cause to be given to the Depositary, not less than 35
days and not more than 75 days prior to the Redemption Date (as defined below), notice of the date of such proposed
redemption of Stock and of the number of such shares held by the Depositary to be so redeemed and the applicable Redemption
Price, which notice shall be accompanied by a certificate from the Company stating that such redemption of Stock is in
accordance with the provisions of the Articles of Amendment. On the date of such redemption, provided that the Company shall
then have paid or caused to be paid in full to the Depositary the Redemption Price of the Stock to be redeemed in accordance
with the provisions of the Articles of Amendment, the Depositary shall redeem the number of Depositary Shares representing
such Stock. The Depositary shall mail notice of the Company&rsquo;s redemption of Stock and the proposed simultaneous
redemption of the number of Depositary Shares representing the Stock to be redeemed by first-class mail, postage prepaid (or
another transmission method reasonably acceptable to the Company), not less than 30 and not more than 60 days prior to the
date fixed for redemption of such Stock and Depositary Shares (the &ldquo;<I>Redemption Date</I>&rdquo;), to the record
holders of the Receipts evidencing the Depositary Shares to be so redeemed at the addresses of such holders as they appear on
the records of the Depositary; but neither failure to mail or transmit any such notice of redemption of Depositary Shares to
one or more such holders nor any defect in any notice of redemption of Depositary Shares to one or more such holders
shall affect the validity of the proceedings for redemption as to the other holders. Each such notice shall be prepared by
the Company and shall state: (i) the Redemption Date; (ii) the number of Depositary Shares to be redeemed and, if less than
all the Depositary Shares held by any such holder are to be redeemed, the number of such Depositary Shares held by such
holder to be so redeemed; (iii) the Redemption Price; (iv) the place or places where Receipts evidencing Depositary Shares
are to be surrendered for payment of the Redemption Price; and (v) that dividends in respect of the Stock represented by the
Depositary Shares to be redeemed will cease to accrue on such Redemption Date. In case less than all the outstanding
Depositary Shares are to be redeemed, the Depositary Shares to be so redeemed shall be selected by the Depositary by lot or
pro rata or in any other manner that the Depositary may deem equitable.</P>

<P STYLE="font: 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; text-align: justify">Notice having been mailed or transmitted
by the Depositary as aforesaid, from and after the Redemption Date (unless the Company shall have failed to provide the funds necessary
to redeem the Stock evidenced by the Depositary Shares called for redemption) (i) dividends on the shares of Stock so called for
redemption shall cease to accrue 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</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Receipts evidencing any such Depositary Shares called for redemption
(properly endorsed or assigned for transfer, if the Depositary or applicable law shall so require), such Depositary Shares shall
be redeemed by the Depositary at a redemption price per Depositary Share equal to one-four thousandth (1/4,000<SUP>th</SUP>) of
the Redemption Price per share of Stock so redeemed plus all money and other property, if any, represented by such Depositary Shares.</P>

<P STYLE="font: 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; text-align: justify">If fewer than all of the Depositary Shares
evidenced by a Receipt are called for redemption, the Depositary will deliver to the holder of such Receipt upon its surrender
to the Depositary, together with the redemption payment, a new Receipt evidencing the Depositary Shares evidenced by such prior
Receipt and not called for redemption.</P>

<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">The Company shall be entitled to receive,
from time to time, from the Depositary any interest accrued on such funds deposited with the Depositary, and the holders of any
Receipts called for redemption shall have no claim to any such interest. Any funds so deposited and unclaimed at the end of two
years from the applicable Redemption Date shall, to the extent permitted by law, be repaid by the Depositary to the Company.</P>

<P STYLE="font: 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: 36pt">&nbsp;</TD>
    <TD STYLE="width: 72pt">Section 2.9.</TD>
    <TD><I>Receipts Issuable in Global Registered Form.</I></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">If the Company shall determine in a writing
delivered to the Depositary that the Receipts are to be issued in whole or in part in the form of one or more Global Registered
Receipts, then the Depositary shall, in accordance with the other provisions of this Deposit Agreement, execute and deliver one
or more Global Registered Receipts evidencing such Receipts, which (i) shall represent, and shall be denominated in an amount equal
to the aggregate liquidation preference of the Receipts to be represented by such Global Registered Receipt or Receipts and (ii)
shall be registered in the name of the Global Receipt Depository therefor or its nominee.</P>

<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">Notwithstanding any other provision of this
Deposit Agreement to the contrary, unless otherwise provided in the Global Registered Receipt, a Global Registered Receipt may
only be transferred in whole and only by the applicable Global Receipt Depository for such Global Registered Receipt to a nominee
of such Global Receipt Depository, or by a nominee of such Global Receipt Depository to such Global Receipt Depository or another
nominee of such Global Receipt Depository, or by such Global Receipt Depository or any such nominee to a successor Global Receipt
Depository for such Global Registered Receipt selected or approved by the Company or to a nominee of such successor Global Receipt
Depository. Except as provided below, owners solely of beneficial interests in a Global Registered Receipt shall not be entitled
to receive physical delivery of the Receipts represented by such Global Registered Receipt. Neither any such beneficial owner nor
any direct or indirect participant of a Global Receipt Depository shall have any rights under this Deposit Agreement with respect
to any Global Registered Receipt held on their behalf by a Global Receipt Depository and such Global Receipt Depository may be
treated by the Company, the Depositary, any Depositary&rsquo;s Agent and any director, officer, employee or agent of the Company,
the Depositary or any Depositary&rsquo;s Agent as the holder of such Global Registered Receipt for all purposes whatsoever. Unless
and until definitive Receipts are delivered to the owners of the beneficial interests in a Global Registered Receipt, (1) the applicable
Global Receipt Depository will make book-entry transfers among its participants and receive and transmit all payments and distributions
in respect of the Global Registered Receipts to such participants, in each case, in accordance with the Letter of</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Representations, and (2) whenever any notice, payment or
other communication to the holders of Global Registered Receipts is required under this Deposit Agreement, the Company, the
Depositary or any Depositary&rsquo;s Agent shall give all such notices, payments and communications specified herein to be
given to such holders to the applicable Global Receipt Depository.</P>

<P STYLE="font: 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; text-align: justify">If an Exchange Event has occurred with respect
to any Global Registered Receipt, then, in any such event, the Depositary shall, upon receipt of a written order from the Company
for the execution and delivery of individual definitive registered Receipts in exchange for such Global Registered Receipt, execute
and deliver, individual definitive registered Receipts, in authorized denominations and of like tenor and terms in an aggregate
principal amount equal to the liquidation preference of the Global Registered Receipt in exchange for such Global Registered Receipt.</P>

<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">Definitive registered Receipts issued in
exchange for a Global Registered Receipt pursuant to this Section shall be registered in such names and in such authorized denominations
as the Global Receipt Depository for such Global Registered Receipt, pursuant to instructions from its participants, shall instruct
the Depositary in writing. The Depositary shall deliver such Receipts to the persons in whose names such Receipts are so registered.</P>

<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">Notwithstanding anything to the contrary
in this Deposit Agreement, should the Company determine that the Receipts should be issued as a Global Registered Receipt, the
parties hereto shall comply with the terms of the Letter of Representations.</P>

<P STYLE="font: 12pt Times New 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">ARTICLE III</P>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&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: 36pt">&nbsp;</TD>
    <TD STYLE="width: 72pt">Section 3.1.</TD>
    <TD><I>Filing Proofs, Certificates and Other Information.</I></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">Any holder of a Receipt may be required from
time to time to file such proof of residence, or other matters or other information, to execute such certificates and to make such
representations and warranties as the Depositary or the Company may reasonably deem necessary or proper. The Depositary or the
Company may withhold the delivery, or delay the registration of transfer or redemption, of any Receipt or the withdrawal of the
Stock represented by the Depositary Shares evidenced by any Receipt or the distribution of any dividend or other distribution or
the sale of any rights or of the proceeds thereof until such proof or other information is filed or such certificates are executed
or such representations and warranties are made.</P>

<P STYLE="font: 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: 36pt">&nbsp;</TD>
    <TD STYLE="width: 72pt">Section 3.2.</TD>
    <TD><I>Payment of Taxes or Other Governmental Charges.</I></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">Holders of Receipts shall be obligated to
make payments to the Depositary of certain charges and expenses, as provided in Section 5.7. Registration of transfer of any Receipt
or any withdrawal of Stock and all money or other property, if any, represented by the Depositary Shares evidenced by such Receipt
may be refused until any such payment due is made, and any dividends or other distributions or payments may be withheld or any
part of or all the Stock or other property represented by the Depositary Shares evidenced by such Receipt and not</P>

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


<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">theretofore sold may be sold for the account of the holder thereof
(after attempting by reasonable means to notify such holder prior to such sale), and such dividends or other distributions or payments
or the proceeds of any such sale may be applied to any payment of such charges or expenses, the holder of such Receipt remaining
liable for any deficiency.</P>

<P STYLE="font: 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: 36pt">&nbsp;</TD>
    <TD STYLE="width: 72pt">Section 3.3.</TD>
    <TD><I>Warranty as to Stock.</I></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">The Company hereby represents and warrants
that the Stock, when issued, will be duly authorized, validly issued, fully paid and nonassessable. Such representation and warranty
shall survive the deposit of the Stock and the issuance of Receipts.</P>

<P STYLE="font: 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: 36pt">&nbsp;</TD>
<TD STYLE="width: 72pt; text-align: left">Section 3.4.</TD><TD> <I>Warranty as to Receipts.</I></TD>
</TR></TABLE>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt; text-align: justify">The Company hereby represents and warrants
that the Receipts, when issued, will be entitled to the benefits of this Deposit Agreement. Such representation and warranty shall
survive the deposit of the Stock and the issuance of Receipts.</P>

<P STYLE="font: 12pt Times New 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">ARTICLE IV</P>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&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: 36pt">&nbsp;</TD>
    <TD STYLE="width: 72pt">Section 4.1.</TD>
    <TD><I>Cash Distributions.</I></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">Whenever the Depositary shall receive any
cash dividend or other cash distribution on Stock, the Depositary shall, subject to Sections 3.1, 3.2 and 5.7, distribute to record
holders of Receipts on the record date fixed pursuant to Section 4.4 such amounts of such dividend or distribution as are, as nearly
as practicable, in proportion to the respective numbers of Depositary Shares evidenced by the Receipts held by such holders; provided,
however, that in case the Company or the Depositary shall be required to withhold and shall withhold from any cash dividend or
other cash distribution in respect of the Stock an amount on account of taxes, the amount made available for distribution or distributed
in respect of Depositary Shares shall be reduced accordingly. The Depositary shall distribute or make available for distribution,
as the case may be, only such amount, however, as can be distributed without attributing to any holder of Receipts a fraction of
one cent, and any balance not so distributable shall be held by the Depositary (without liability for interest thereon) and shall
be added to and be treated as part of the next sum received by the Depositary for distribution to record holders of Receipts then
outstanding. Each holder of a Receipt shall provide the Depositary with a properly completed Form W-8 or W-9, as may be applicable.
Each holder of a Receipt acknowledges that, in the event of non-compliance with the preceding sentence, the Internal Revenue Code
of 1986, as amended, may require withholding by the Depositary of a portion of any of the distributions to be made hereunder.</P>

<P STYLE="font: 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: 36pt">&nbsp;</TD>
    <TD STYLE="width: 72pt">Section 4.2.</TD>
    <TD><I>Distributions Other than Cash, Rights, Preferences or Privileges.</I></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">Whenever the Depositary shall receive any
distribution of any securities or property other than cash, rights, preferences or privileges upon Stock, the Depositary shall,
subject to Sections 3.1, 3.2 and 5.7, distribute to record holders of Receipts on the record date fixed pursuant to Section 4.4
such amounts of the securities or property received by it as are, as nearly as</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">practicable, in proportion to the respective numbers of Depositary
Shares evidenced by the Receipts held by such holders, in any manner that the Depositary may deem equitable and practicable for
accomplishing such distribution. If in the opinion of the Depositary such distribution cannot be made proportionately among such
record holders, or if for any other reason (including any requirement that the Company or the Depositary withhold an amount on
account of taxes) the Depositary deems, after consultation with the Company, such distribution not to be feasible, the Depositary
may, with the approval of the Company, adopt such method as it deems equitable and practicable for the purpose of effecting such
distribution, including the sale (at public or private sale) of the securities or property thus received, or any part thereof,
in a commercially reasonable manner. The net proceeds of any such sale shall, subject to Sections 3.1, 3.2 and 5.7, be distributed
or made available for distribution, as the case may be, by the Depositary to record holders of Receipts as provided by Section
4.1 in the case of a distribution received in cash. The Company shall not make any distribution of such securities or property
to the Depositary and the Depositary shall not make any distribution of such securities or property to the holders of Receipts
unless the Company shall have provided an opinion of counsel (which may be in-house counsel) stating that such securities or property
have been registered under the Securities Act or do not need to be registered in connection with such distribution.</P>

<P STYLE="font: 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: 36pt">&nbsp;</TD>
    <TD STYLE="width: 72pt">Section 4.3.</TD>
    <TD><I>Subscription Rights, Preferences or Privileges.</I></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">If the Company shall at any time offer or
cause to be offered to the persons in whose names Stock is recorded on the books of the Company any rights, preferences or privileges
to subscribe for or to purchase any securities or any rights, preferences or privileges of any other nature, such rights, preferences
or privileges shall in each such instance be made available by the Depositary to the record holders of Receipts in such manner
as the Depositary may determine, either by the issue to such record holders of instruments representing such rights, preferences
or privileges or by such other method as may be approved by the Depositary in its discretion with the approval of the Company;
provided, however, that (i) if at the time of issue or offer of any such rights, preferences or privileges the Depositary determines
that it is not lawful or (after consultation with the Company) not feasible to make such rights, preferences or privileges available
to holders of Receipts by the issue of instruments, or otherwise, or (ii) if and to the extent so instructed by holders of Receipts
who do not desire to exercise such rights, preferences or privileges, then the Depositary, in its discretion (with approval of
the Company, in any case where the Depositary has determined that it is not feasible to make such rights, preferences or privileges
available), may, if applicable laws and the terms of such rights, preferences or privileges permit such transfer, sell such rights,
preferences or privileges at public or private sale, at such place or places and upon such terms as it may deem proper. The net
proceeds of any such sale shall, subject to Sections 3.1, 3.2 and 5.7, be distributed by the Depositary to the record holders of
Receipts entitled thereto as provided by Section 4.1 in the case of a distribution received in cash.</P>

<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">The Company shall notify the Depositary whether
registration under the Securities Act of the securities to which any rights, preferences or privileges relate is required in order
for holders of Receipts to be offered or sold the securities to which such rights, preferences or privileges relate, and, if necessary,
the Company agrees with the Depositary that it will promptly register the distribution of such rights, preferences or privileges
and securities under the Securities Act and use its best efforts and take all steps available to it to cause such registration
to become</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">effective sufficiently in advance of the expiration of such
rights, preferences or privileges to enable such holders to exercise such rights, preferences or privileges. In no event shall
the Depositary make available to the holders of Receipts any right, preference or privilege to subscribe for or to purchase any
securities unless and until such registration shall have become effective, or the Company shall have provided to the Depositary
an opinion of counsel (which may be in-house counsel) to the effect that the offering and sale of such securities to such holders
are exempt from registration under the provisions of the Securities Act.</P>

<P STYLE="font: 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; text-align: justify">The Company shall notify the Depositary whether
any other action or consent under any federal or state law is required in order for such rights, preferences or privileges to be
made available to holders of Receipts, and the Company agrees with the Depositary that the Company will use its reasonable best
efforts to take such action or obtain such consent sufficiently in advance of the expiration of such rights, preferences or privileges
to enable such holders to exercise such rights, preferences or privileges.</P>

<P STYLE="font: 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: 36pt">&nbsp;</TD>
    <TD STYLE="width: 72pt">Section 4.4.</TD>
    <TD STYLE="text-align: justify"><I>Notice of Dividends, etc.; Fixing Record Date for Holders of Receipts.</I></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">Whenever any cash dividend or other cash
distribution shall become payable or any distribution other than cash shall be made, or if rights, preferences or privileges shall
at any time be offered, with respect to Stock, or whenever the Depositary shall receive notice of any meeting at which holders
of Stock are entitled to vote or of which holders of Stock are entitled to notice, or whenever the Depositary and the Company shall
decide it is appropriate, the Depositary shall in each such instance fix a record date (which shall be the same date as the record
date fixed by the Company with respect to or otherwise in accordance with the terms of the Stock) for the determination of the
holders of Receipts who shall be entitled to receive such dividend, distribution, rights, preferences or privileges or the net
proceeds of the sale thereof, or to give instructions for the exercise of voting rights at any such meeting, or who shall be entitled
to notice of such meeting or for any other appropriate reasons.</P>

<P STYLE="font: 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: 36pt">&nbsp;</TD>
    <TD STYLE="width: 72pt">Section 4.5.</TD>
    <TD><I>Voting Rights.</I></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">Upon receipt of notice of any meeting at
which the holders of Stock are entitled to vote, the Depositary shall, as soon as practicable thereafter, mail to the record holders
of Receipts a notice prepared by the Company which shall contain (i) 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 Depositary as to the exercise of
the voting rights pertaining to the amount of Stock represented by their respective Depositary Shares (including an express indication
that instructions may be given to the Depositary to give a discretionary proxy to a person designated by the Company) and a brief
statement as to the manner in which such instructions may be given. Upon the written request of the holders of Receipts on the
relevant record date, the Depositary shall endeavor insofar as practicable to vote or cause to be voted, in accordance with the
instructions set forth in such requests, the maximum number of whole shares of Stock represented by the Depositary Shares evidenced
by all Receipts as to which any particular voting instructions are received. The Company hereby agrees to take all reasonable action
which may be deemed necessary by the Depositary in order to enable the Depositary to vote such Stock or cause such Stock to be
voted. In the absence of specific instructions from the holder of a Receipt, the Depositary will not vote (but, at its discretion,
may appear at any meeting with respect to</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">such Stock unless directed to the contrary by the holders of
all the Receipts) to the extent of the Stock represented by the Depositary Shares evidenced by such Receipt.</P>

<P STYLE="font: 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: 36pt">&nbsp;</TD>
    <TD STYLE="width: 72pt">Section 4.6.</TD>
    <TD STYLE="text-align: justify"><I>Changes Affecting Deposited Securities and Reclassifications, Recapitalizations, etc.</I></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">Upon any change in par or stated value, split-up,
combination or any other reclassification of the Stock, or upon any recapitalization, reorganization, merger, consolidation or
other business combination affecting the Company or to which it is a party, the Depositary may in its discretion with the approval
of, and shall upon the instructions of, the Company, and (in either case) in such manner as the Depositary may deem equitable,
(i) make such adjustments as are certified by the Company in the fraction of an interest represented by one Depositary Share in
one share of Stock as may be necessary fully to reflect the effects of such change in par or stated value, split-up, combination
or other reclassification of Stock, or of such recapitalization, reorganization, merger, consolidation or business combination
and (ii) treat any securities which shall be received by the Depositary in exchange for or upon conversion of or in respect of
the Stock as new deposited securities so received in exchange for or upon conversion or in respect of such Stock. In any such case
the Depositary may in its discretion, with the approval of the Company, execute and deliver additional Receipts or may call for
the surrender of all outstanding Receipts to be exchanged for new Receipts specifically describing such new deposited securities.
Anything to the contrary herein notwithstanding, holders of Receipts shall have the right from and after the effective date of
any such change in par or stated value, split-up, combination or other reclassification of the Stock or any such recapitalization,
reorganization, merger, consolidation, or business combination to surrender such Receipts to the Depositary with instructions to
convert, exchange or surrender the Stock represented thereby only into or for, as the case may be, the kind and amount of shares
of Stock and other securities and property and cash into which the Stock represented by such Receipts might have been converted
or for which such Stock might have been exchanged or surrendered immediately prior to the effective date of such transaction.</P>

<P STYLE="font: 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: 36pt">&nbsp;</TD>
    <TD STYLE="width: 72pt">Section 4.7.</TD>
    <TD><I>Delivery of Reports.</I></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">The Depositary shall furnish to holders of
Receipts any reports and communications received from the Company which are received by the Depositary and which the Company is
required by the first sentence of Section 5.5 to furnish to the holders of the Stock.</P>

<P STYLE="font: 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: 36pt">&nbsp;</TD>
    <TD STYLE="width: 72pt">Section 4.8.</TD>
    <TD><I>Lists of Receipt Holders.</I></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">Promptly upon request from time to time by
the Company, the Depositary shall furnish to it a list, as of the most recent practicable date, of the names, addresses and holdings
of Depositary Shares of all record holders of Receipts.</P>

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&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: 36pt">&nbsp;</TD>
    <TD STYLE="width: 72pt">Section 5.1.</TD>
    <TD STYLE="text-align: justify"><I>Maintenance of Offices, Agencies and Transfer Books by the Depositary; Registrar.</I></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt; text-align: justify">Upon execution of this Deposit Agreement, the Depositary
shall maintain at the Depositary&rsquo;s Office, facilities for the execution and delivery, registration and registration of
transfer, surrender and exchange of Receipts, and at the offices of the Depositary&rsquo;s Agents, if any, facilities for the
delivery, registration of transfer, surrender and exchange of Receipts, all in accordance with the provisions of this Deposit
Agreement.</P>

<P STYLE="font: 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; text-align: justify">The Depositary shall keep books at the Depositary&rsquo;s
Office for the registration and registration of transfer of Receipts, which books at all reasonable times shall be open for inspection
by the record holders of Receipts; provided that any such holder requesting to exercise such right shall certify to the Depositary
that such inspection shall be for a proper purpose reasonably related to such person&rsquo;s interest as an owner of Depositary
Shares evidenced by the Receipts.</P>

<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">The Depositary may close such books, at any
time or from time to time, when deemed expedient by it in connection with the performance of its duties hereunder.</P>

<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">The Depositary may, with the approval of
the Company, appoint a Registrar for registration of the Receipts or the Depositary Shares evidenced thereby. If the Receipts or
the Depositary Shares evidenced thereby or the Stock represented by such Depositary Shares shall be listed on one or more national
securities exchanges, the Depositary will appoint a Registrar (acceptable to the Company) for registration of such Receipts or
Depositary Shares in accordance with any requirements of such exchange. Such Registrar (which may be the Depositary if so permitted
by the requirements of any such exchange) may be removed and a substitute Registrar appointed by the Depositary upon the request
or with the approval of the Company. If the Receipts, such Depositary Shares or such Stock are listed on one or more other securities
exchanges, the Depositary will, at the request of the Company, arrange such facilities for the delivery, registration, registration
of transfer, surrender and exchange of such Receipts, such Depositary Shares or such Stock as may be required by law or applicable
securities exchange regulation.</P>

<P STYLE="font: 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: 36pt">&nbsp;</TD>
    <TD STYLE="width: 72pt">Section 5.2.</TD>
    <TD STYLE="text-align: justify"><I>Prevention of or Delay in Performance by the Depositary, the Depositary&rsquo;s Agents, the Registrar or the Company.</I></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">Neither the Depositary nor any
Depositary&rsquo;s Agent nor any Registrar nor the Company shall incur any liability to any holder of any Receipt if by
reason of any provision of any present or future law, or regulation thereunder, of the United States of America or of any
other governmental authority or, in the case of the Depositary, the Depositary&rsquo;s Agent or the Registrar, by reason of
any provision, present or future, of the Company&rsquo;s Restated Charter (including the Articles of Amendment) or by reason
of any act of God or war or other circumstance beyond the</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">control of the relevant party, the Depositary, the
Depositary&rsquo;s Agent, the Registrar or the Company shall be prevented or forbidden from, or subjected to any penalty on
account of, doing or performing any act or thing which the terms of this Deposit Agreement provide shall be done or
performed; nor shall the Depositary, any Depositary&rsquo;s Agent, any Registrar or the Company incur liability to any holder
of a Receipt (i) by reason of any nonperformance or delay, caused as aforesaid, in the performance of any act or thing which
the terms of this Deposit Agreement shall provide shall or may be done or performed, or (ii) by reason of any exercise of, or
failure to exercise, any discretion provided for in this Deposit Agreement except as otherwise explicitly set forth in this
Deposit Agreement.</P>

<P STYLE="font: 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: 36pt">&nbsp;</TD>
    <TD STYLE="width: 72pt">Section 5.3.</TD>
    <TD STYLE="text-align: justify"><I>Obligations of the Depositary, the Depositary&rsquo;s Agents, the Registrar and the Company.</I></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">Neither the Depositary nor any Depositary&rsquo;s
Agent nor any Registrar nor the Company assumes any obligation or shall be subject to any liability under this Deposit Agreement
to holders of Receipts other than for its gross negligence, willful misconduct or bad faith. Notwithstanding anything in this Deposit
Agreement to the contrary, neither the Depositary, nor the Depositary&rsquo;s Agent nor any Registrar nor the Company shall be
liable in any event for special, punitive, incidental, indirect or consequential losses or damages of any kind whatsoever (including
but not limited to lost profits).</P>

<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">Neither the Depositary nor any Depositary&rsquo;s
Agent nor any Registrar nor the Company shall be under, any obligation to appear in, prosecute or defend any action, suit or other
proceeding in respect of the Stock, the Depositary Shares or the Receipts which in its opinion may involve it in expense or liability
unless indemnity satisfactory to it against all expense and liability be furnished by the holders as often as may be required.</P>

<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">Neither the Depositary nor any Depositary&rsquo;s
Agent nor any Registrar nor the Company shall be liable for any action or any failure to act by it in reliance upon the written
advice of legal counsel or accountants, or information from any person presenting Stock for deposit, any holder of a Receipt or
any other person believed by it in good faith to be competent to give such information. The Depositary, any Depositary&rsquo;s
Agent, any Registrar and the Company may each rely and shall each be protected in acting upon or omitting to act upon any written
notice, request, direction or other document believed by it to be genuine and to have been signed or presented by the proper party
or parties.</P>

<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">The Depositary shall not be responsible for
any failure to carry out any instruction to vote any of the shares of Stock or for the manner or effect of any such vote made,
as long as any such action or non-action is not taken in bad faith. The Depositary undertakes, and any Registrar shall be required
to undertake, to perform such duties and only such duties as are specifically set forth in this Deposit Agreement, and no implied
covenants or obligations shall be read into this Deposit Agreement against the Depositary or any Registrar.</P>

<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">The Depositary, the Depositary&rsquo;s Agents,
and any Registrar may own and deal in any class of securities of the Company and its affiliates and in Receipts. The Depositary
may also act as transfer agent or registrar of any of the securities of the Company and its affiliates.</P>

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    <!-- Field: /Page -->


<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt; text-align: justify">The Depositary shall not be under any liability
for interest on any monies at any time received by it pursuant to any of the provisions of this Deposit Agreement or of the Receipts,
the Depositary Shares or the Stock nor shall it be obligated to segregate such monies from other monies held by it, except as required
by law. The Depositary shall not be responsible for advancing funds on behalf of the Company and shall have no duty or obligation
to make any payments if it has not timely received sufficient funds to make timely payments.</P>

<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">In the event the Depositary believes any
ambiguity or uncertainty exists hereunder or in any notice, instruction, direction, request or other communication, paper or document
received by the Depositary hereunder, or in the administration of any of the provisions of this Deposit Agreement, the Depositary
shall deem it necessary or desirable that a matter be proved or established prior to taking, omitting or suffering to take any
action hereunder, the Depositary may, in its sole discretion upon written notice to the Company, refrain from taking any action
and shall be fully protected and shall not be liable in any way to the Company, any holders of Receipts or any other person or
entity for refraining from taking such action, unless the Depositary receives written instructions or a certificate signed by the
Company which eliminates such ambiguity or uncertainty to the satisfaction of the Depositary or which proves or establishes the
applicable matter to the satisfaction of the Depositary.</P>

<P STYLE="font: 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: 36pt">&nbsp;</TD>
    <TD STYLE="width: 72pt">Section 5.4.</TD>
    <TD STYLE="text-align: justify"><I>Resignation and Removal of the Depositary; Appointment of Successor Depositary.</I></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">The Depositary may at any time resign as
Depositary hereunder by delivering notice of its election to do so to the Company, such resignation to take effect upon the appointment
of a successor Depositary and its acceptance of such appointment as hereinafter provided.</P>

<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">The Depositary may at any time be removed
by the Company by notice of such removal delivered to the Depositary, such removal to take effect upon the appointment of a successor
Depositary hereunder and its acceptance of such appointment as hereinafter provided.</P>

<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">In case at any time the Depositary acting
hereunder shall resign or be removed, the Company shall, within 60 days after the delivery of the notice of resignation or removal,
as the case may be, appoint a successor Depositary, which shall be a bank or trust company having its principal office in the United
States of America and having a combined capital and surplus of at least $50,000,000. If no successor Depositary shall have been
so appointed and have accepted appointment within 60 days after delivery of such notice, the resigning or removed Depositary may
petition any court of competent jurisdiction for the appointment of a successor Depositary. Every successor Depositary shall execute
and deliver to its predecessor and to the Company an instrument in writing accepting its appointment hereunder, and thereupon such
successor Depositary, without any further act or deed, shall become fully vested with all the rights, powers, duties and obligations
of its predecessor and for all purposes shall be the Depositary under this Deposit Agreement, and such predecessor, upon payment
of all sums due it and on the written request of the Company, shall promptly execute and deliver an instrument transferring to
such successor all rights and powers of such predecessor hereunder, shall duly assign, transfer and deliver all right, title and
interest in the Stock and any moneys or property held hereunder to such successor, and shall deliver to such successor a list of
the record holders of all outstanding Receipts and such records, books and other information in its possession relating thereto.
Any</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">successor Depositary shall promptly mail notice of its appointment
to the record holders of Receipts.</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; text-align: justify">Any entity into or with which the Depositary
may be merged, consolidated or converted or any entity succeeding to all or substantially all of the Depositary&rsquo;s trust business
shall be the successor of the Depositary without the execution or filing of any document or any further act, and notice thereof
shall not be required hereunder. Such successor Depositary may authenticate the Receipts in the name of the predecessor Depositary
or in its own name as successor Depositary.</P>

<P STYLE="font: 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: 36pt">&nbsp;</TD>
    <TD STYLE="width: 72pt">Section 5.5.</TD>
    <TD><I>Corporate Notices and Reports.</I></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">The Company agrees that it will
deliver to the Depositary, and the Depositary will, promptly after receipt thereof, transmit to the record holders of
Receipts, in each case at the addresses recorded in the Depositary&rsquo;s books, copies of all notices and reports
(including without limitation financial statements) required by law, by the rules of any national securities exchange upon
which the Stock, the Depositary Shares or the Receipts are listed or by the Company&rsquo;s Restated Charter (including the
Articles of Amendment), to be furnished to the record holders of Receipts. Such transmission will be at the Company&rsquo;s
expense and the Company will provide the Depositary with such number of copies of such documents as the Depositary may
reasonably request. In addition, the Depositary will transmit to the record holders of Receipts at the Company&rsquo;s
expense such other documents as may be requested by the Company.</P>

<P STYLE="font: 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: 36pt">&nbsp;</TD>
    <TD STYLE="width: 72pt">Section 5.6.</TD>
    <TD><I>Indemnification by the Company.</I></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt; text-align: justify">Notwithstanding Section 5.3 to the
contrary, the Company shall indemnify the Depositary, any Depositary&rsquo;s Agent and any Registrar (including each of their
officers, directors, agents and employees) against, and hold each of them harmless from, any loss, damage, cost, penalty,
liability or expense (including the reasonable costs and expenses of defending itself) which may arise out of acts performed,
suffered or omitted to be taken in connection with this Deposit Agreement and the Receipts by the Depositary, any Registrar
or any of their respective agents (including any Depositary&rsquo;s Agent) and any transactions or documents contemplated
hereby, except for any liability arising out of gross negligence, willful misconduct or bad faith on the respective parts of
any such person or persons. The obligations of the Company set forth in this Section 5.6 shall survive any succession or
termination of any Depositary, Registrar or Depositary&rsquo;s Agent.</P>

<P STYLE="font: 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: 36pt">&nbsp;</TD>
    <TD STYLE="width: 72pt">Section 5.7.</TD>
    <TD><I>Fees, Charges and Expenses.</I></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">The Company agrees promptly to pay the Depositary
the compensation to be agreed upon with the Company for all services rendered by the Depositary hereunder and to reimburse the
Depositary for its reasonable out-of-pocket expenses (including reasonable counsel fees and expenses) incurred by the Depositary
without gross negligence, willful misconduct or bad faith on its part in connection with the services rendered by it hereunder.
The Company shall pay all charges of the Depositary in connection with the initial deposit of the Stock and the initial issuance
of the Depositary Shares, all withdrawals of shares of the Stock by owners of Depositary Shares, and any redemption or exchange
of the Stock at the option of the Company.</P>

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    <!-- Field: /Page -->


<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Company shall pay all transfer and other taxes and governmental
charges arising solely from the existence of the depositary arrangements. All other transfer and other taxes and governmental charges
shall be at the expense of holders of Depositary Shares evidenced by Receipts. If, at the request of a holder of Receipts, the
Depositary incurs charges or expenses for which the Company is not otherwise liable hereunder, such holder will be liable for such
charges and expenses; provided, however, that the Depositary may, at its sole option, require a holder of a Receipt to prepay the
Depositary any charge or expense the Depositary has been asked to incur at the request of such holder of Receipts. The Depositary
shall present its statement for charges and expenses to the Company at such intervals as the Company and the Depositary may agree.</P>

<P STYLE="font: 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">ARTICLE VI</P>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&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: 36pt">&nbsp;</TD>
    <TD STYLE="width: 72pt">Section 6.1.</TD>
    <TD><I>Amendment.</I></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">The form of the Receipts and any provisions
of this Deposit Agreement may at any time and from time to time be amended by agreement between the Company and the Depositary
in any respect which they may deem necessary or desirable; provided, however, that no such amendment which shall impose additional
charges or materially and adversely alter the rights of the holders of Receipts shall be effective unless such amendment shall
have been approved by the holders of at least a majority (or, in the case of an amendment that would under the Articles of Amendment
require a greater vote if the holders of the Receipts directly held the shares of Stock represented thereby, such greater vote
required by the Articles of Amendment) of the Depositary Shares then outstanding. Every holder of an outstanding Receipt at the
time any such amendment becomes effective shall be deemed, by continuing to hold such Receipt, to consent and agree to such amendment
and to be bound by the Deposit Agreement as amended thereby. In no event shall any amendment impair the right, subject to the provisions
of Sections 2.5, 2.6 and 5.7 and Article III, of any owner of Depositary Shares to surrender any Receipt evidencing such Depositary
Shares to the Depositary with instructions to deliver to the holder the Stock and all money and other property, if any, represented
thereby, except in order to comply with mandatory provisions of applicable law or the rules and regulations of any governmental
body, agency or commission, or applicable securities exchange.</P>

<P STYLE="font: 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: 36pt">&nbsp;</TD>
    <TD STYLE="width: 72pt">Section 6.2.</TD>
    <TD><I>Termination.</I></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">This Deposit Agreement may be
terminated by the Company at any time and for any reason upon not less than 60 days&rsquo; prior written notice to the
Depositary, in which case, at least 30 days prior to the date fixed in such notice for such termination, the Depositary will
mail notice of such termination to the record holders of all Receipts then outstanding.</P>

<P STYLE="font: 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; text-align: justify">If any Receipts shall remain outstanding
after the date of termination of this Deposit Agreement, the Depositary thereafter shall discontinue the transfer of Receipts,
shall suspend the distribution of dividends to the holders thereof and shall not give any further notices (other than notice of
such termination) or perform any further acts under this Deposit Agreement, except that the Depositary shall continue to collect
dividends and other distributions pertaining to Stock, shall sell rights, preferences or privileges as provided in this Deposit
Agreement and shall</P>

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    <!-- Field: /Page -->


<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">continue to deliver the Stock and any money and other property,
if any, represented by Receipts upon surrender thereof by the holders thereof. At any time after the expiration of two years from
the date of termination, the Depositary may sell Stock then held hereunder at public or private sale, at such places and upon such
terms as it deems proper and may thereafter hold the net proceeds of any such sale, together with any money and other property
held by it hereunder, without liability for interest, for the benefit, pro rata in accordance with their holdings, of the holders
of Receipts that have not theretofore been surrendered. After making such sale, the Depositary shall be discharged from all obligations
under this Deposit Agreement except to account for such net proceeds and money and other property.</P>

<P STYLE="font: 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; text-align: justify">This Deposit Agreement may be terminated
by the Depositary only if (i) all outstanding Depositary Shares have been redeemed pursuant to Section 2.8 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
Company and such distribution shall have been distributed to the holders of Depositary Shares pursuant to Article IV.</P>

<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">Upon the termination of this Deposit Agreement,
the Company shall be discharged from all obligations under this Deposit Agreement except for its obligations to the Depositary,
any Depositary&rsquo;s Agent and any Registrar under Sections 5.6 and 5.7.</P>

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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&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: 36pt">&nbsp;</TD>
    <TD STYLE="width: 72pt">Section 7.1.</TD>
    <TD><I>Counterparts.</I></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">This Deposit Agreement may be executed in
any number of counterparts, and by each of the parties hereto on separate counterparts, each of which counterparts, when so executed
and delivered, shall be deemed an original, but all such counterparts taken together shall constitute one and the same instrument.
All documents and instruments contemplated to be executed hereunder may be executed by electronic signature and any reference to
executed shall include an electronic signature.</P>

<P STYLE="font: 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: 36pt">&nbsp;</TD>
    <TD STYLE="width: 72pt">Section 7.2.</TD>
    <TD><I>Exclusive Benefit of Parties.</I></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">This Deposit Agreement is for the exclusive
benefit of the parties hereto, and their respective successors hereunder, and shall not be deemed to give any legal or equitable
right, remedy or claim to any other person whatsoever.</P>

<P STYLE="font: 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: 36pt">&nbsp;</TD>
    <TD STYLE="width: 72pt">Section 7.3.</TD>
    <TD><I>Invalidity of Provisions.</I></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">In case any one or more of the provisions
contained in this Deposit Agreement or in the Receipts should be or become invalid, illegal or unenforceable in any respect, the
validity, legality and enforceability of the remaining provisions contained herein or therein shall in no way be affected, prejudiced
or disturbed thereby.</P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
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<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: 36pt">&nbsp;</TD>
    <TD STYLE="width: 72pt">Section 7.4.</TD>
    <TD><I>Notices.</I></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">Any and all notices to be given to the Company
hereunder or under the Receipts shall be in writing and shall be deemed to have been duly given if personally delivered or sent
by mail or recognized next day courier service, by electronic mail, or by facsimile transmission confirmed by letter, addressed
to the Company at</P>

<P STYLE="font: 12pt Times 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 36pt">First Horizon Corporation<BR>
165 Madison Avenue<BR>
Memphis, TN 38103<BR>
Attention: Janet E. Denkler<BR>
Email: jedenkler@firsthorizon.com<BR>
Facsimile No.: 901-523-4478</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">or at any other addresses of which the Company shall have notified
the Depositary 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; text-align: justify">Any and all notices to be given to the Depositary
hereunder or under the Receipts shall be in writing and shall be deemed to have been duly given if personally delivered or sent
by mail or recognized next day courier service, by electronic mail, or by facsimile transmission confirmed by letter, addressed
to the Depositary at the Depositary&rsquo;s Office at:</P>

<P STYLE="font: 12pt Times 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 36pt">Equiniti Trust Company<BR> 1110 Centre Pointe
Curve, Suite 101<BR> Mendota Heights, MN 55120<BR> Attention: Rebecca Paulson and Bethany Pederson<BR> Email: <FONT STYLE="color: #0563C1"><U>Rebecca.Paulson@equiniti.com</U></FONT>
and <FONT STYLE="color: #0563C1"><U>Bethany.Pederson@equiniti.com</U></FONT></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">or at any other address of which the Depositary
shall have notified the Company in writing.</P>

<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">Any and all notices to be given to any record
holder of a Receipt hereunder or under the Receipts shall be in writing and shall be deemed to have been duly given if personally
delivered or sent by mail or facsimile transmission confirmed by letter, addressed to such record holder at the address of such
record holder as it appears on the books of the Depositary, or if such holder shall have timely filed with the Depositary a written
request that notices intended for such holder be delivered, mailed or transmitted to some other address, at the address designated
in such request.</P>

<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">Delivery of a notice sent by mail or by facsimile
transmission to any holder of record shall be deemed to be effected at the time when a duly addressed letter containing the same
(or a confirmation thereof in the case of a facsimile transmission) is deposited, postage prepaid, in a post office letter box.</P>

<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">Delivery of a notice by any record holder
of a Receipt to the Company or the Depositary shall be effective upon receipt. The Depositary or the Company may act upon any electronic
mail or facsimile transmission received by it from the other or from any holder of a Receipt, notwithstanding that such electronic
mail or facsimile transmission shall not subsequently be confirmed by letter. Delivery of a notice by the Company to the Depositary
or by the Depositary</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">to the Company shall be effective, (i) in the case of hand delivery,
upon receipt, (ii) in the case of mail, five business days after deposit, postage prepaid, into a post-office letter box, (iii)
in the case of a recognized next-day courier service, the next business day after delivery to the courier service, (iv) in the
case of electronic mail, the receipt of the electronic mail on a business day during normal business hours, and (v) in the case
of facsimile, upon receipt of a confirmation of delivery on a business day during normal business hours.</P>

<P STYLE="font: 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: 36pt">&nbsp;</TD>
    <TD STYLE="width: 72pt">Section 7.5.</TD>
    <TD><I>Depositary&rsquo;s Agents.</I></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">The Depositary may from time to time appoint
an agent to act in any respect for the Depositary for the purposes of this Deposit Agreement and may at any time appoint additional
agents and vary or terminate the appointment of such agents. The Depositary will promptly notify the Company of any such action.</P>

<P STYLE="font: 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: 36pt">&nbsp;</TD>
    <TD STYLE="width: 72pt">Section 7.6.</TD>
    <TD STYLE="text-align: justify"><I>Appointment of Registrar and Transfer Agent in Respect of the Receipts.</I></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">The Company hereby appoints the Depositary
as Registrar and transfer agent in respect of the Receipts and the Depositary hereby accepts such appointments.</P>

<P STYLE="font: 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: 36pt">&nbsp;</TD>
    <TD STYLE="width: 72pt">Section 7.7.</TD>
    <TD STYLE="text-align: justify"><I>Appointment of Transfer Agent, Registrar, Dividend Disbursing Agent and Redemption Agent in Respect of the Stock.</I></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">The Company hereby appoints Equiniti Trust
Company as transfer agent, registrar, dividend disbursing agent and redemption agent in respect of the Stock, and Equiniti Trust
Company hereby accepts such appointments. With respect to the appointments of Equiniti Trust Company as transfer agent, registrar,
dividend disbursing agent and redemption agent in respect of the Stock, each of the Company and Equiniti Trust Company, in their
respective capacities under such appointments, shall be entitled to the same rights, indemnities, immunities and benefits as the
Company and Depositary hereunder, respectively, as if explicitly named in each such provision.</P>

<P STYLE="font: 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: 36pt">&nbsp;</TD>
    <TD STYLE="width: 72pt">Section 7.8.</TD>
    <TD><I>Holders of Receipts Are Parties.</I></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">The holders of Receipts from time to time
shall be parties to this Deposit Agreement and shall be bound by all of the terms and conditions hereof and of the Receipts by
acceptance of delivery thereof.</P>

<P STYLE="font: 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: 36pt">&nbsp;</TD>
    <TD STYLE="width: 72pt">Section 7.9.</TD>
    <TD><I>Governing Law.</I></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">This Deposit Agreement and the Receipts and
all rights hereunder and thereunder and provisions hereof and thereof shall be governed by, and construed in accordance with, the
laws of the State of New York without giving effect to applicable conflicts of law principles.</P>

<P STYLE="font: 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: 36pt">&nbsp;</TD>
    <TD STYLE="width: 72pt">Section 7.10.</TD>
    <TD><I>Inspection of Deposit Agreement.</I></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">Copies of this Deposit Agreement shall be
filed with the Depositary and the Depositary&rsquo;s Agents and shall be open to inspection during normal business hours at the
Depositary&rsquo;s Office and the respective offices of the Depositary&rsquo;s Agents, if any, by any holder of a Receipt.</P>

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<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: 36pt">&nbsp;</TD>
    <TD STYLE="width: 72pt">Section 7.11.</TD>
    <TD><I>Headings.</I></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">The headings of articles and sections in
this Deposit Agreement and in the form of the Receipt set forth in Exhibit A hereto have been inserted for convenience only and
are not to be regarded as a part of this Deposit Agreement or the Receipts or to have any bearing upon the meaning or interpretation
of any provision contained herein or in the Receipts.</P>

<P STYLE="font: 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: 36pt">&nbsp;</TD>
    <TD STYLE="width: 72pt">Section 7.12.</TD>
    <TD><I>Force Majeure</I>.</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, 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; text-align: justify">Notwithstanding anything to the contrary
contained herein, neither the Depositary nor the Company shall be liable for any delays or failures in performance resulting from
acts beyond its reasonable control including, without limitation, acts of God, pandemics, terrorist acts, labor difficulties, war,
or civil unrest.</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt; text-align: justify">IN WITNESS WHEREOF, the Company and the Depositary
have duly executed this Deposit Agreement as of the day and year first above set forth, and all holders of Receipts shall become
parties hereto by and upon acceptance by them of delivery of Receipts issued in accordance with the terms hereof.</P>

<P STYLE="font: 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>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD COLSPAN="3">FIRST HORIZON CORPORATION</TD></TR>
<TR STYLE="font-size: 10pt">
    <TD STYLE="vertical-align: top; font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; font-size: 10pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; width: 40%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 3%">By:</TD>
    <TD STYLE="vertical-align: bottom; width: 20%; border-bottom: Black 1px solid; padding-left: 0; text-align: center">/s/ Dane P. Smith</TD>
    <TD STYLE="vertical-align: top; width: 37%; text-align: right">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding-left: 5pt">Name: &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Dane P. Smith</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding-left: 5pt">Title: &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Senior Vice President and Corporate Treasurer</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD></TR>
</TABLE>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom">EQUINITI TRUST COMPANY</TD></TR>
<TR STYLE="font-size: 10pt">
    <TD STYLE="vertical-align: top; width: 40%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 3%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 20%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 37%; font-size: 10pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">By:</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1px solid; text-align: center">&nbsp;/s/ Matthew Paseka</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding-left: 10pt">Name: &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Matthew Paseka</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding-left: 10pt">Title &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Senior Vice President</TD></TR>
</TABLE>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[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">Unless this receipt is presented by an authorized
representative of The Depository Trust Company, a New York corporation (&ldquo;<U>DTC</U>&rdquo;), to First Horizon
Corporation or its agent for registration of transfer, exchange, or payment, and any certificate issued is registered in the
name of Cede&nbsp;&amp; Co. or in such other name as is requested by an authorized representative of DTC (and any payment is
made to Cede&nbsp;&amp; Co. or to such other entity as is requested by an authorized representative of DTC), ANY TRANSFER,
PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL inasmuch as the registered owner hereof,
Cede&nbsp;&amp; Co., has an interest herein.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Any purchaser of the Depositary Shares (as defined below)
or any interest therein represents by its purchase of the Depositary Shares that either (1) it is not (A) a pension,
profit-sharing or other employee benefit plan subject to the U.S. Employee Retirement Income Security Act of 1974, as amended
(&ldquo;ERISA&rdquo;) or an individual retirement account, Keogh plan or any other plan subject to Section 4975 of the
Internal Revenue Code of 1986, as amended (the &ldquo;Code&rdquo;), (B) an employee benefit plan that is a governmental plan
(as defined in Section 3(32) of ERISA), a church plan (as defined in Section 3(33) of ERISA) or a non-U.S. plan (as described
in Section 4(b)(4) of ERISA) that is not subject to the requirements of ERISA or the Code but is subject to similar
provisions under applicable federal, state, local, non-U.S or other laws (&ldquo;Similar Laws&rdquo;) or (C) an entity whose
underlying assets include &ldquo;plan assets&rdquo; by reason of any such plan&rsquo;s investment in the entity or (2) the
purchase of the Depositary Shares will not constitute a non-exempt prohibited transaction under Section 406 of ERISA, Section
4975 of the Code or under any applicable Similar Laws.</P>

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

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

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

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

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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0">CUSIP&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;320517
865<BR> ISIN&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;US3205178656</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">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-align: justify; text-indent: 36pt">Equiniti Trust Company,
as depositary (the &ldquo;Depositary&rdquo;), hereby certifies that Cede&nbsp;&amp; Co. is the registered owner of&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;DEPOSITARY
SHARES (&ldquo;Depositary Shares&rdquo;), each Depositary Share representing 1/4,000<SUP>th </SUP>of one share of Non-Cumulative
Perpetual Preferred Stock, Series F, liquidation preference $100,000 per share (the &ldquo;<I>Stock</I>&rdquo;), of First Horizon
Corporation, a Tennessee corporation (the &ldquo;<I>Corporation</I>&rdquo;), on deposit with the Depositary, subject to the terms
and entitled to the benefits of the Deposit Agreement dated as of May 3, 2021 (the &ldquo;<I>Deposit Agreement</I>&rdquo;), among
the Corporation, the Depositary and the holders from time to time of the Depositary Receipts. By accepting this Depositary Receipt,
the holder hereof becomes a party to and agrees to be bound by all the terms and conditions of the Deposit Agreement. This Depositary
Receipt shall not be valid or obligatory for any purpose or entitled to any benefits under the Deposit Agreement unless it shall
have been executed by the Depositary by the manual or electronic signature of a duly authorized officer.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Dated: ________________, 2021</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">Equiniti Trust Company, Depositary</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">By: _________________________</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 40pt">Authorized Officer</P>

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

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">FIRST HORIZON CORPORATION
WILL FURNISH WITHOUT CHARGE TO EACH RECEIPTHOLDER WHO SO REQUESTS A COPY OF THE DEPOSIT AGREEMENT AND A COPY OR SUMMARY OF THE
ARTICLES OF AMENDMENT OF THE NON-CUMULATIVE PERPETUAL PREFERRED STOCK, SERIES F, OF FIRST HORIZON CORPORATION. ANY SUCH REQUEST
IS TO BE ADDRESSED TO THE DEPOSITARY NAMED ON THE FACE OF THIS RECEIPT.</P>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">The Corporation will
furnish in writing and without charge to each receiptholder who so requests the powers, designations, preferences and relative,
participating, optional or other special rights of each class of stock or series thereof of the Corporation, and the qualifications,
limitations or restrictions of such preferences and/or rights. Such request may be made to the Corporation or to the transfer agent
for the Stock.</P>

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">The following abbreviations
when used in the form of ownership on the face of this certificate shall be construed as though they were written out in full according
to applicable laws or regulations:</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10.98pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom; font-size: 10.98pt">
    <TD STYLE="font-size: 10.98pt">TEN COM-</TD>
    <TD COLSPAN="2" STYLE="font-size: 10.98pt">as tenants in common</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 10.98pt">
    <TD STYLE="font-size: 10.98pt; width: 27%">&nbsp;</TD>
    <TD STYLE="font-size: 10.98pt; width: 18%">&nbsp;</TD>
    <TD STYLE="font-size: 10.98pt; width: 55%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 10.98pt">
    <TD STYLE="font-size: 10.98pt">TEN ENT-</TD>
    <TD COLSPAN="2" STYLE="font-size: 10.98pt">as tenants by the entireties</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 10.98pt">
    <TD STYLE="font-size: 10.98pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10.98pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 10.98pt">
    <TD STYLE="font-size: 10.98pt">JT TEN-</TD>
    <TD COLSPAN="2" STYLE="font-size: 10.98pt">as joint tenants with right of survivorship and not as tenants in common</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 10.98pt">
    <TD STYLE="font-size: 10.98pt">&nbsp;</TD>
    <TD STYLE="font-size: 10.98pt">&nbsp;</TD>
    <TD STYLE="font-size: 10.98pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 10.98pt">
    <TD STYLE="font-size: 10.98pt">UNIF GIFT MIN ACT-</TD>
    <TD COLSPAN="2" STYLE="font-size: 10.98pt">_____________Custodian _____________</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 10.98pt">
    <TD STYLE="font-size: 10.98pt">&nbsp;</TD>
    <TD STYLE="font-size: 10.98pt">(Minor)</TD>
    <TD STYLE="font-size: 10.98pt; text-align: left; padding-left: 10pt">(Cus)</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 10.98pt">
    <TD STYLE="font-size: 10.98pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10.98pt">under Uniform Gifts to Minors Act</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 10.98pt">
    <TD STYLE="font-size: 10.98pt">&nbsp;</TD>
    <TD STYLE="font-size: 10.98pt; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="font-size: 10.98pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 10.98pt">
    <TD STYLE="font-size: 10.98pt">&nbsp;</TD>
    <TD STYLE="font-size: 10.98pt">(State)</TD>
    <TD STYLE="font-size: 10.98pt">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 36pt">Additional abbreviations may also be used
though not in the above list.</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">For value received, _______________________
hereby sell(s), assign(s) and transfer(s) unto</P>

<P STYLE="font: 12pt Times New 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">___________________________________________________________________</P>

<P STYLE="font: 10.02pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">PLEASE INSERT SOCIAL SECURITY OR OTHER IDENTIFYING
NUMBER OF ASSIGNEE<BR>
PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS INCLUDING POSTAL ZIP CODE OF<BR>
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; text-align: justify">Depositary Shares represented by the within
Receipt, and do(es) hereby irrevocably constitute and appoint __________________________________________________ Attorney to transfer
the said Depositary Shares on the books of the within named Depositary with full power of substitution in the premises.</P>

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

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

<P STYLE="font: 10.02pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10.02pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 78%; text-align: justify">NOTICE: The signature to the assignment
must correspond with the name as written upon the face of this Receipt in every particular, without alteration or enlargement or
any change whatsoever.</P>

<P STYLE="font: 10.02pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10.02pt Times New Roman, Times, Serif; margin: 0pt 0">SIGNATURE GUARANTEED</P>

<P STYLE="font: 10.02pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10.02pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">NOTICE: The signature(s) should be guaranteed
by an eligible guarantor institution (banks, stockbrokers, savings and loan associations, and credit unions with membership in
an approved signature guarantee medallion program), pursuant to Rule 17Ad-15 under the Securities Exchange Act of 1934.</P>

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<DOCUMENT>
<TYPE>EX-4.2
<SEQUENCE>5
<FILENAME>c101664_ex4-2.htm
<TEXT>
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<P STYLE="font: 12pt Times New Roman Bold,serif; margin: 0; text-align: right"><B>Exhibit 4.2</B></P>

<P STYLE="font: 12pt Times New Roman,serif; margin: 0">Certificate A-1</P>

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

<P STYLE="font: 12pt Times New Roman,serif; margin: 0; text-align: justify">THE SECURITIES REPRESENTED BY THIS INSTRUMENT ARE NOT
SAVINGS ACCOUNTS, DEPOSITS OR OTHER OBLIGATIONS OF A BANK AND ARE NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION OR ANY
OTHER GOVERNMENTAL AGENCY.</P>

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

<P STYLE="font: 12pt Times New Roman,serif; margin: 0; text-align: justify">THE SECURITIES ARE SUBJECT TO THE TERMS AND CONDITIONS
OF A DEPOSIT AGREEMENT, DATED AS OF MAY 3, 2021 (THE &#8220;DEPOSIT AGREEMENT&#8221;), AMONG THE CORPORATION, EQUINITI TRUST COMPANY,
AS DEPOSITARY, AND THE HOLDERS FROM TIME TO TIME OF DEPOSITARY RECEIPTS DESCRIBED THEREIN. NO TRANSFER, PLEDGE, HYPOTHECATION OR
OTHER DISPOSITION OF THE SECURITIES MAY OCCUR UNLESS PERMITTED BY THE DEPOSIT AGREEMENT.</P>

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

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

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

<P STYLE="font: 12pt Times New Roman,serif; margin: 0; text-align: center">Incorporated Under the Laws of the State of Tennessee</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 12pt Times New Roman,serif; margin-top: 0; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 20%; text-align: left">1,500 SHARES</TD><TD STYLE="width: 80%; text-align: right">NON-CUMULATIVE PERPETUAL PREFERRED STOCK, SERIES F</TD>
</TR></TABLE>

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

<P STYLE="font: 12pt Times New Roman,serif; margin: 0; text-align: justify; text-indent: 36pt">This is to certify that Equiniti
Trust Company, as Depositary under the Deposit Agreement, is the registered owner of 1,500 fully paid and non-assessable shares
of the Non-Cumulative Perpetual Preferred Stock, Series F, without par value but having a liquidation preference of $100,000 per
share, of First Horizon Corporation, a Tennessee corporation (the &#8220;<U>Corporation</U>&#8221;), the terms of which are provided
for in the Corporation&#8217;s Restated Charter, as amended, including the Articles of Amendment of the Non-Cumulative Perpetual
Preferred Stock, Series F, transferable on the books of the Corporation by the holder hereof in person or by its duly authorized
attorney, upon surrender of this Certificate properly endorsed. This Certificate and the shares represented hereby are issued and
shall be held subject to all of the provisions of the Restated Charter and the By-laws of the Corporation and any amendments thereto.
This Certificate is not valid unless countersigned and registered by the Transfer Agent and Registrar for the Series F Preferred
Stock.</P>

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<P STYLE="font: 12pt Times New Roman,serif; margin: 0; text-align: justify; text-indent: 36pt">IN WITNESS WHEREOF, the Corporation
has caused this Certificate to be executed on its behalf by its duly authorized officers.</P>

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

<P STYLE="font: 12pt Times New Roman,serif; margin: 0">Dated: May 3, 2021</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 12pt Times New Roman, Times, Serif">
<TR>
    <TD STYLE="vertical-align: bottom; width: 4%">By:</TD>
    <TD STYLE="vertical-align: bottom; width: 43%; border-bottom: black 1px solid; padding-left: 5pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 6%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 4%">By:</TD>
    <TD STYLE="vertical-align: bottom; width: 43%; border-bottom: black 1px solid; padding-left: 5pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-left: 5pt">Name: D. Bryan Jordan</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-left: 5pt">Name: Dane P. Smith</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-left: 5pt">Title: President and Chief Executive Officer</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-left: 5pt">Title: Senior Vice President and Corporate Treasurer</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman,serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 12pt Times New Roman, Times, Serif">
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom">Countersigned and Registered:</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom">Equiniti Trust Company, as Transfer</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom">Agent and Registrar</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; width: 30%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 4%">By:</TD>
    <TD STYLE="vertical-align: bottom; width: 31%; border-bottom: Black 1px solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 35%">&nbsp;</TD></TR>
</TABLE>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
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<P STYLE="font: 12pt Times New Roman,serif; margin: 0; text-align: center">(REVERSE OF CERTIFICATE)<BR>
FIRST HORIZON CORPORATION</P>

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

<P STYLE="font: 12pt Times New Roman,serif; margin: 0; text-indent: 36pt">THE CORPORATION WILL FURNISH IN WRITING AND WITHOUT CHARGE
TO EACH STOCKHOLDER WHO SO REQUESTS THE DEPOSIT AGREEMENT AND THE POWERS, DESIGNATIONS, PREFERENCES AND RELATIVE PARTICIPATING,
OPTIONAL OR SPECIAL RIGHTS OF EACH CLASS OF STOCK OR SERIES THEREOF OF THE CORPORATION AND THE QUALIFICATIONS, LIMITATIONS OR RESTRICTIONS
OF SUCH PREFERENCES AND/OR RIGHTS. SUCH REQUEST SHOULD BE ADDRESSED TO THE CORPORATION OR THE TRANSFER AGENT.</P>

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

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

<P STYLE="font: 12pt Times New Roman,serif; margin: 0">TEN COM - as tenants in common</P>

<P STYLE="font: 12pt Times New Roman,serif; margin: 0">TEN ENT - as tenants by the entireties</P>

<P STYLE="font: 12pt Times New Roman,serif; margin: 0">JT TEN - as joint tenants with right of survivorship and not as tenants
in common</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 12pt">
<TR>
    <TD NOWRAP STYLE="vertical-align: bottom; width: 20%">UNIF GIFT MIN ACT -</TD>
    <TD NOWRAP STYLE="vertical-align: top; width: 35%; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD NOWRAP STYLE="vertical-align: bottom; width: 10%; text-align: center">Custodian</TD>
    <TD NOWRAP STYLE="vertical-align: bottom; width: 35%; border-bottom: Black 1px solid">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center">(Custodian)</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">(Minor)</TD></TR>
</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 12pt">
<TR>
    <TD NOWRAP STYLE="vertical-align: top; width: 30%; font-family: Times New Roman,serif">&nbsp;</TD>
    <TD NOWRAP STYLE="vertical-align: bottom; width: 30%; font-family: Times New Roman,serif">under Uniform Gifts to Minors Act</TD>
    <TD STYLE="vertical-align: bottom; width: 35%; font-family: Times New Roman,serif; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 5%; font-family: Times New Roman,serif">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; font-family: Times New Roman,serif">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; font-family: Times New Roman,serif">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; font-family: Times New Roman,serif; text-align: center">(State)</TD>
    <TD STYLE="vertical-align: top; font-family: Times New Roman,serif">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman,serif; margin: 0">Additional abbreviations may also be used though not in the above list.</P>


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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
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<P STYLE="font: 12pt Times New Roman,serif; margin: 0">FOR VALUE RECEIVED, _________________ hereby sell(s), assign(s) and transfer(s)
unto</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 12pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 100%; border-top: Black 1px solid; padding-top: 5pt">(PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS, INCLUDING ZIP CODE, OF ASSIGNEE)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-top: Black 1px solid; padding-top: 5pt">(PLEASE INSERT SOCIAL SECURITY OR OTHER IDENTIFYING NUMBER OF ASSIGNEE)</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman,serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman,serif; margin: 0">_________________________ (_______________) shares represented by this Certificate
and do(es) hereby irrevocably constitute and appoint _____________________, Attorney to transfer the said shares on the books of
the Corporation, with full power of substitution in the premises.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 12pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 40%">Dated: ____________________, ________</TD>
    <TD STYLE="width: 15%">&nbsp;</TD>
    <TD STYLE="width: 45%; padding-left: 5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-top: Black 1px solid; text-align: justify; padding-left: 5pt"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">NOTICE:
    The signature to this assignment must correspond with the name as written upon the face of the Certificate in every particular,
    without alteration or enlargement or any change whatever</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Signature(s) Guaranteed:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 5pt">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman,serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman,serif; margin: 0; text-align: justify">The signature(s) should be guaranteed by a participant in a Medallion Signature
Guarantee Program at a guarantee level acceptable to the Corporation&#8217;s Transfer Agent.</P>

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

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 5.1</B></P>

<P STYLE="font: 10pt 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 0pt 70%; text-align: left">May 3, 2021</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 50pt 0pt 0; text-align: right">&nbsp;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt">165 Madison Avenue</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt">Memphis, Tennessee 38103.</P>

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">In connection with the registration under the Securities
Act of 1933 (the &#8220;Act&#8221;) of 6,000,000 depositary shares (the &#8220;Depositary Shares&#8221;), each representing a 1/4,000th
interest in a share of the Non-Cumulative Perpetual Preferred Stock, Series F, liquidation preference of $100,000 per share (the
&#8220;Preferred Stock&#8221;), of First Horizon Corporation (the &#8220;Company&#8221;), and evidenced by depositary receipts
(the &#8220;Depositary Receipts&#8221;) issued pursuant to the Deposit Agreement, dated as of May 3, 2021 (the &#8220;Deposit Agreement&#8221;),
among the Company, Equiniti Trust Company, as depositary (the &#8220;Depositary&#8221;), and the holders from time to time of the Depositary Receipts, I (or counsel acting under my supervision) have
examined such corporate records, certificates and other documents, and such questions of law, as I (or counsel acting under my
supervision) have considered necessary or appropriate for the purposes of this opinion. Upon the basis of such examination, it
is my opinion that:</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(1) The Company has been duly incorporated and is
an existing corporation in good standing under the laws of the State of Tennessee.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(2) The shares of Preferred Stock represented by
the Depositary Shares have been validly issued and are fully paid and non-assessable.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">The foregoing opinion is limited to the laws of the
State of Tennessee, and I am expressing no opinion as to the effect of the laws of any other jurisdiction.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">Also, I have relied as to certain matters upon information
obtained from public officials, officers of the Company and other sources believed by me to be responsible, and I have assumed
that the certificates for the Preferred Stock conform to the specimen thereof examined by me (or counsel acting under my supervision)
and have been duly countersigned by a transfer agent and duly registered by a registrar of the Preferred Stock and that the signatures
on all documents examined by me (or counsel acting under my supervision) are genuine, assumptions which I have not independently
verified.</P>


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">This letter is furnished by me, solely in my capacity
as General Counsel of the Company. I hereby consent to the filing of this opinion as an exhibit to the Company&#8217;s Current
Report on Form 8-K and, through incorporation, to the Company&#8217;s Registration Statement on Form S-3 (File No. 333-229338).
In giving such consent, I do not thereby admit that I am in the category of persons whose consent is required under Section 7 of
the Act.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 70%">Very truly yours,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 250pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 70%">/s/ Charles T. Tuggle, Jr.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 250pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 70%">Charles T. Tuggle, Jr.<BR>
<I>Executive Vice President and General </I><BR>
<I>Counsel, First Horizon Corporation</I></P>

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<P STYLE="font: 12pt Times New Roman,serif; margin: 0; text-align: right"><B>Exhibit 5.2</B></P>

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

<P STYLE="font: 12pt Times New Roman,serif; margin: 0 0 0 70%">May 3, 2021</P>

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

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

<P STYLE="font: 12pt Times New Roman,serif; margin: 0 0 0 36pt">165 Madison Avenue</P>

<P STYLE="font: 12pt Times New Roman,serif; margin: 0 0 0 72pt">Memphis, Tennessee 38103.</P>

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

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

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

<P STYLE="font: 12pt Times New Roman,serif; margin: 0; text-indent: 72pt">In connection with the registration under the Securities
Act of 1933 (the &ldquo;Act&rdquo;) of 6,000,000 depositary shares (the &ldquo;Depositary Shares&rdquo;), each representing a 1/4,000th
interest in a share of the Non-Cumulative Perpetual Preferred Stock, Series F, liquidation preference of $100,000 per share (the
&ldquo;Preferred Stock&rdquo;), of First Horizon Corporation (the &ldquo;Company&rdquo;), and evidenced by depositary receipts
(the &ldquo;Depositary Receipts&rdquo;) issued pursuant to the Deposit Agreement, dated as of May 3, 2021 (the &ldquo;Deposit Agreement&rdquo;),
among the Company, Equiniti Trust Company, as depositary (the &ldquo;Depositary&rdquo;), and the holders from time to time of the Depositary Receipts, we, as your counsel, have examined
such corporate records, certificates and other documents, and such questions of law, as we have considered necessary or appropriate
for the purposes of this opinion.</P>

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

<P STYLE="font: 12pt Times New Roman,serif; margin: 0; text-indent: 72pt">Upon the basis of such examination, we advise you that,
in our opinion, upon due issuance by the Depositary of the Depositary Receipts evidencing the Depositary Shares against the deposit
of the Preferred Stock in accordance with the provisions of the Deposit Agreement and payment therefor in accordance with the Underwriting
Agreement, dated April 28, 2021, between the Company and the several Underwriters named therein, the Depositary Receipts will entitle
the persons in whose names the Depositary Receipts are registered to the rights specified therein and in the Deposit Agreement,
subject to bankruptcy, insolvency, fraudulent transfer, reorganization, moratorium and similar laws of general applicability relating
to or affecting creditors&rsquo; rights and to general equity principles.</P>

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

<P STYLE="font: 12pt Times New Roman,serif; margin: 0; text-indent: 72pt">The foregoing opinion is limited to the laws of the State
of New York and the laws of the State of Tennessee, and we are expressing no opinion as to the effect of the laws of any other
jurisdiction. With respect to all matters of Tennessee law, we have relied upon the opinion, dated the date hereof, of Charles
T. Tuggle, Jr., Executive Vice President and General</P>

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<P STYLE="font: 12pt Times New Roman,serif; margin: 0">Counsel of the Company, and our opinion is subject to the same assumptions,
qualifications and limitations with respect to such matters as are contained in such opinion of Charles T. Tuggle, Jr.</P>

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

<P STYLE="font: 12pt Times New Roman,serif; margin: 0; text-indent: 72pt">We have also relied as to certain matters upon information
obtained from public officials, officers of the Company and other sources believed by us to be responsible, and we have assumed
that the Deposit Agreement has been duly authorized, executed and delivered by the Depositary, that the certificate evidencing
the Preferred Stock has been deposited with the Depositary in accordance with the Deposit Agreement, that the certificates evidencing
the Preferred Stock and the Depositary Receipts conform to the specimens thereof examined by us, that the Depositary Receipts have
been duly executed and delivered by one of the Depositary&rsquo;s authorized officers, that the certificate for the Preferred Stock
has been duly countersigned and registered by a registrar and transfer agent of the Preferred Stock, and that the signatures on
all documents examined by us are genuine, assumptions which we have not independently verified.</P>

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

<P STYLE="font: 12pt Times New Roman,serif; margin: 0; text-indent: 72pt">We hereby consent to the filing of this opinion as an
exhibit to this Current Report on Form 8-K and, through incorporation, to the Company&rsquo;s Registration Statement on Form S-3
(File No. 333-229338). In giving such consent, we do not thereby admit that we are in the category of persons whose consent is
required under Section 7 of the Act.</P>

<P STYLE="font: 12pt Times New Roman,serif; margin: 0">&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: 70%">&nbsp;</TD>
    <TD STYLE="width: 30%">Very truly yours,</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>/s/ Sullivan&nbsp;&amp; Cromwell LLP</TD></TR>
</TABLE>

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<DOCUMENT>
<TYPE>EX-23.3
<SEQUENCE>8
<FILENAME>c101664_ex23-3.htm
<TEXT>
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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin-right: 0; margin-bottom: 0; margin-left: 0; text-align: right"><B>Exhibit 23.3</B></P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin-right: 0; margin-bottom: 0; margin-left: 0; text-align: center"><B>Consent of Independent Registered Public Accounting
Firm</B></P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify">We&nbsp;consent&nbsp;to the reference to our firm under
the caption &ldquo;Experts&rdquo; and to the use of our reports dated March 2, 2020, with respect to the consolidated financial statements
of IBERIABANK Corporation and subsidiaries included in First Horizon Corporation&rsquo;s Current Report on Form 8-K dated April
23, 2020 and Current Report on Form 8-K/A dated September 15, 2020, each incorporated by reference into the Registration Statement
(Form S-3 No. 333-229338) and the final prospectus supplement of First Horizon Corporation dated April 28, 2021 for the registration
of 1,500 shares of its non-cumulative perpetual preferred stock, Series F and 6,000,000 related depositary shares.&nbsp;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">/s/ Ernst &amp; Young LLP</P>

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


<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">May 3, 2021</P>

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>11
<FILENAME>fhn-20210429_lab.xml
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII"?>
<!-- Generated by CompSci Transform (tm) - http://www.compsciresources.com -->
<!-- Created: Mon May 03 19:46:17 UTC 2021 -->
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<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>12
<FILENAME>fhn-20210429_pre.xml
<TEXT>
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    <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>14
<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">
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<body>
<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm139790781725672">
<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>Apr. 29, 2021</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 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">Apr. 29,  2021<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>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
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<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>
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<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>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentInformationLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentInformationLineItems</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
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</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>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-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>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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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">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as 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>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
