<SEC-DOCUMENT>0000930413-22-000374.txt : 20220228
<SEC-HEADER>0000930413-22-000374.hdr.sgml : 20220228
<ACCEPTANCE-DATETIME>20220228173111
ACCESSION NUMBER:		0000930413-22-000374
CONFORMED SUBMISSION TYPE:	DEFA14A
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20220228
DATE AS OF CHANGE:		20220228

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:		DEFA14A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-15185
		FILM NUMBER:		22691817

	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>
<DOCUMENT>
<TYPE>DEFA14A
<SEQUENCE>1
<FILENAME>c103147_defa14a.htm
<TEXT>
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<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">UNITED STATES<BR>
SECURITIES AND EXCHANGE COMMISSION</P>

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

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

<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">SCHEDULE 14A</P>

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Proxy Statement Pursuant to Section
14(a) of<BR>
the Securities Exchange Act of 1934</P>

<P STYLE="font: bold 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">Filed by the Registrant <FONT STYLE="font-family: Wingdings">x</FONT></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">Filed by a Party other than the Registrant <FONT STYLE="font-family: Wingdings">o</FONT></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">Check the appropriate box:</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%"><FONT STYLE="font-family: Wingdings">o</FONT></TD>
    <TD STYLE="width: 96%">Preliminary Proxy Statement</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Wingdings">o</FONT></TD>
    <TD>Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2))</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Wingdings">o</FONT></TD>
    <TD>Definitive Proxy Statement</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Wingdings">o</FONT></TD>
    <TD>Definitive Additional Materials</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Wingdings">x</FONT></TD>
    <TD>Soliciting Material under &sect;240.14a-12</TD></TR>
</TABLE>
<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; border-bottom: Black 1px solid">FIRST
HORIZON CORPORATION</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Name of Registrant as Specified In Its
Charter)</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; border-bottom: Black 1px solid">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Name of Person(s) Filing Proxy Statement,
if other than the Registrant)</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">Payment of Filing Fee (Check the appropriate box):</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%"><FONT STYLE="font-family: Wingdings">x</FONT></TD>
    <TD STYLE="width: 96%">No fee required.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Wingdings">o</FONT></TD>
    <TD>Fee paid previously with preliminary materials.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Wingdings">o</FONT></TD>
    <TD>Fee computed on table in exhibit required by Item 25(b) per Exchange Act Rules 14a-6(i)(1) and 0-11.</TD></TR>
</TABLE>

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<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: rgb(47,84,150)"><IMG SRC="x1_c103147x2x1.jpg" ALT=""></P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: rgb(47,84,150)">&nbsp;</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: rgb(47,84,150)"><B>FREQUENTLY ASKED QUESTIONS
</B></P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: rgb(47,84,150)"><B>First Horizon &ndash;
TD Transaction </B></P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: red"><B>For First Horizon Associates</B></P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: red">&nbsp;</P>

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<P STYLE="font: 3pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: Red">&nbsp;</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 36pt; text-align: center"><I>TD Bank Group and First Horizon
Corporation announced that they have signed a definitive agreement for TD to acquire First Horizon<FONT STYLE="color: #171717">.
The transaction is subject to regulatory approvals and is expected to close in early 2023. The following document is designed
to help answer questions that may arise from associates, clients, and community partners.</FONT></I></P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 36pt; text-align: center">&nbsp;</P>


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<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: red">&nbsp;</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #171717"><B>KEY POINTS</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="color: #171717">-</FONT></TD><TD>TD <FONT STYLE="color: #171717">will acquire </FONT>First Horizon <FONT STYLE="color: #171717">for $25 share. The transaction
is expected to close in early 2023.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="color: #171717">-</FONT></TD><TD>6<SUP>th </SUP>largest U.S. bank with approximately $614 billion in assets.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">-</TD><TD>This combination is a great fit with adjacent states, complementary businesses, shared cultural and risk-management alignment.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">-</TD><TD>TD will invest in our businesses and markets with new capabilities and broader resources which will accelerate growth through
broader client offerings.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">-</TD><TD>TD is committed to retaining First Horizon client-facing bankers with no planned closures of First Horizon branches in connection
with the transaction.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="color: #171717">-</FONT></TD><TD>First Horizon and TD share a common belief that we thrive when the communities in which we live, and work thrive. TD is committed
to growing presence and investments across the communities in which First Horizon operates.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 11.4pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #171717"><B>TOP-LINE</B></P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #171717">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; color: #171717; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>What news did First Horizon and TD announce?</B></TD></TR></TABLE>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">TD announced on February 28, 2022, that it has signed
a definitive agreement to acquire First Horizon for $25/share.</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; color: #171717; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>What are some of the most important aspects of the deal I should know about?</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><FONT STYLE="color: #171717">After legal close, we will operate under the TD name, with U.S. headquarters in Cherry Hill, N.J.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><FONT STYLE="color: #171717">Memphis will serve as an important hub for TD in the Southeast.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><FONT STYLE="color: #171717">TD plans to maintain a presence in all of First Horizon&rsquo;s markets with plans to expand in
First Horizon&rsquo;s key growth markets.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><FONT STYLE="color: #171717"><B><U>This is a growth story</U> </B>- </FONT>Working with the First Horizon team, TD plans
                                                                to invest in the Southeastern region and help us serve First Horizon clients with a broader portfolio of offerings.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>The companies have complementary footprints with little overlap.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 11.4pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

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<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 50pt; text-align: right; border-right: Gray 3px solid; padding-right: 5pt; border-top: Gray 3px solid; padding-top: 2pt"><FONT STYLE="font: 15.96pt Arial, Helvetica, Sans-Serif; color: rgb(68,114,196)"><B>1</B></FONT></TD>
    <TD STYLE="padding-left: 5pt; border-top: Gray 3px solid; padding-top: 2pt; padding-bottom: 15pt"><FONT STYLE="color: Red">
    &nbsp;</FONT></TD></TR>
</TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">On a pro forma basis excluding merger adjustments, TD&rsquo;s U.S. franchise<SUP>1 </SUP>will be the 6<SUP>th </SUP>largest U.S.
bank, with approximately $614 billion in assets, $469 billion in deposits a network of 1,560 banking centers, serving over 10.7
million U.S. clients across 22 states.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 11.4pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; color: #171717; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>Who is TD?</B></TD></TR></TABLE>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt; text-align: justify">TD is currently one of the 10 largest banks in the U.S.
providing more than nine million customers with a full range of retail, small business and commercial banking products and services
at approximately 1,100 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. TD is
also a member of TD Bank Group and a subsidiary of The Toronto-Dominion Bank of Toronto, Canada, which is a top 10 financial services
company in North America. TD is committed to delivering everything customers would expect from a bank&mdash;plus, everything they
wouldn&rsquo;t&mdash;while also protecting the health and well-being of customers and colleagues in today&rsquo;s environment.
TD believes its greatest asset is its people and is committed to making a meaningful and positive contribution to the colleagues,
customers and communities it serves.</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">&nbsp;</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt; text-align: justify">We have long respected TD as a leader in U.S. banking
and are confident that their continued and growing investments in our local markets will extend our long history of client and
community support.</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">&nbsp;</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt; text-align: justify">Over the past two decades, TD has made numerous acquisitions
in the U.S. They have continued to invest in those businesses, grown their customer base and created opportunity for their people.
They have committed to doing the same here, and their track record gives us great confidence in the future.</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; color: #171717; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>Why is TD interested in First Horizon?</B></TD></TR></TABLE>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">TD recognizes the value of our great franchise &ndash;
with deep client relationships and incredible talent - and believes in our ability to grow. They also believe that with their resources
and capabilities we can accelerate that growth.</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; color: #171717; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>What will Bryan Jordan&rsquo;s role be moving forward?</B></TD></TR></TABLE>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">Following the closing of the transaction Bryan Jordan
will be appointed Vice Chair, TD Bank Group, reporting to Bharat Masrani, Group President and Chief Executive Officer, and will
join the TD Senior Executive Team. At closing, Bryan will also be named to the TD Bank U.S. Board of Directors as a director and
Chair. He will continue to be based in Memphis.</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; color: #171717; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>Who will lead the combined company?</B></TD></TR></TABLE>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">Leo Salom, who leads TD Bank, America&rsquo;s Most Convenient
Bank<SUP>&reg; </SUP>U.S. operations will lead the combined TD and First Horizon teams.</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">&nbsp;</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">The TD U.S. Bank Group makes decisions for the United
States franchise with an executive team and their own Board of Directors.</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">&nbsp;</P>

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<P STYLE="font: 3pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">&nbsp;</P>

<P STYLE="font: 9.96pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>1 </SUP><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">TD
Group US Holdings and First Horizon as of December 31, 2021</FONT></P>

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    <TD STYLE="padding-left: 5pt; border-top: Gray 3px solid; padding-top: 2pt; padding-bottom: 15pt"><FONT STYLE="color: Red">
    &nbsp;</FONT></TD></TR>
</TABLE>

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<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #171717"><B>TIMING</B></P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #171717">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>First Horizon just completed a major merger and conversion with IBERIABANK, why do this now?</B></TD></TR></TABLE>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">We were not actively looking to sell as we believe in
our future and potential. TD was impressed with the business we built, and this transaction opens new avenues and pathways to growth
that would have taken us years to achieve on our own. Through this powerful combination, we will continue to be aligned on vision,
purpose and strategy.</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">&nbsp;</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>CULTURE</B></P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; color: #171717; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>How do the cultures of the two companies compare?</B></TD></TR></TABLE>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">First Horizon and TD are a strong fit, especially in
terms of culture and risk framework. That was a key consideration in making this deal. Both organizations:</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Believe in the power of great bankers to drive great outcomes and invest in their people and skills.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Are client-centric and market-centric, focused on supporting the millions we serve.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Are committed to the communities in which we live and work. In fact, TD will deploy its resources to grow our local investments,
including an announcement made this morning to contribute $40 million to the First Horizon Foundation.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 11.4pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><FONT STYLE="color: #171717"><B>Will we remain market-centric?</B></FONT></TD></TR></TABLE>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">Yes. TD is committed to growing its presence and investments
across the states in which First Horizon operates. Once the transaction is completed, Memphis will be a regional hub for TD, supporting
clients and operations and contributing directly to the local economy.</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">&nbsp;</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">Both organizations are focused on building deep client
and community connections on the ground in each of the markets we serve.</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; color: #171717; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>What is TD&rsquo;s credit philosophy?</B></TD></TR></TABLE>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">Much like First Horizon, TD has a client-centric approach
that is focused on finding ways to grow with clients by supporting them through the cycle with creative solutions. A collaborative
relationship between the line and credit risk builds strong relationships and excellent communication to be able to respond to
clients&rsquo; needs. TD also views risk management as a joint responsibility. A bigger balance sheet will allow for greater capacity
to offer our clients larger commitments to support their growth and greater ability to lead syndicated facilities.</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 11.4pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 9pt Arial, Helvetica, Sans-Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 50pt; text-align: right; border-right: Gray 3px solid; padding-right: 5pt; border-top: Gray 3px solid; padding-top: 2pt"><FONT STYLE="font: 15.96pt Arial, Helvetica, Sans-Serif; color: rgb(68,114,196)"><B>3</B></FONT></TD>
    <TD STYLE="padding-left: 5pt; border-top: Gray 3px solid; padding-top: 2pt; padding-bottom: 15pt"><FONT STYLE="color: Red">
    &nbsp;</FONT></TD></TR>
</TABLE>

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<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>JOBS AND OPPORTUNITY</B></P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; color: #171717; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>How does this impact my job? Will there be layoffs?</B></TD></TR></TABLE>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt; color: #171717">We have a long road ahead to get the
regulatory and shareholder approvals we need. We expect to close in early 2023. Until then, we will operate business as usual.</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt; color: #171717">&nbsp;</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt; color: #171717">As we get closer, we will share more
about the future operating model. It is important to know:</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt; color: #171717">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="color: #171717">&bull;</FONT></TD><TD>TD is also committed to retaining First Horizon client-facing bankers, with no planned branch closures as a result of the transaction<FONT STYLE="color: #171717">.
In fact, TD wants to invest and grow with us.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="color: #171717">&bull;</FONT></TD><TD><FONT STYLE="color: #171717">TD is a larger organization, with over 3,000 current job openings in the U.S. TD also </FONT>plans
to hire over 2,000 technology roles globally in 2022. <FONT STYLE="color: #171717">First Horizon associates will see new opportunities
for career growth and development as part of a larger organization, which will number over 95,000 people globally.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; color: #171717; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>To match TD&rsquo;s minimum wage, First Horizon has decided to raise our minimum wage to $18/hour, effective April 10, 2022.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 11.4pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; color: #171717; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>Will all operations be consolidated into New Jersey or Canada?</B></TD></TR></TABLE>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt; color: #171717">No. While we will be looking for synergies
to run an efficient organization, TD has associates and teams in various locations. Our goal is to provide clarity as soon as we
can, although we expect that will take a few months as we work through the details.</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt; color: #171717">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; color: #171717; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>Will any banking centers close?</B></TD></TR></TABLE>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt; color: #171717">No. Highlighted in the announcement
is that TD committed to retaining all client-facing bankers with no planned closures of First Horizon banking centers in connection
with the transaction.</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt; color: #171717">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; color: #171717; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>The synergy numbers announced in their press release say 33% cost savings &ndash; is that all people?</B></TD></TR></TABLE>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt; color: #1C1C1C">In every transaction, achieving synergies
to run an efficient and effective combined organization is a priority. However, synergies involve more than people such as real
estate, technology, procurement, product development, etc. That said, some jobs will be impacted, and TD is committed to sharing
more information about job opportunities as soon as possible.</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt; color: #1C1C1C">&nbsp;</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt"><FONT STYLE="color: #1C1C1C">TD is a large organization
with over 3,000 job openings in the U.S. </FONT><FONT STYLE="color: #171717">TD also </FONT>plans to hire over 2,000 technology
roles globally in 2022.</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; color: #171717; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>If my position is eliminated, will I receive a severance package?</B></TD></TR></TABLE>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">We have a long road ahead to have the deal approved.
Until the closing, we will operate business as usual. For jobs that are eliminated as a result of the transaction, TD will pay
benefits according to First Horizon&rsquo;s severance plan. Details regarding severance plans will be shared at future meetings.</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 11.4pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 9pt Arial, Helvetica, Sans-Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 50pt; text-align: right; border-right: Gray 3px solid; padding-right: 5pt; border-top: Gray 3px solid; padding-top: 2pt"><FONT STYLE="font: 15.96pt Arial, Helvetica, Sans-Serif; color: rgb(68,114,196)"><B>4</B></FONT></TD>
    <TD STYLE="padding-left: 5pt; border-top: Gray 3px solid; padding-top: 2pt; padding-bottom: 15pt"><FONT STYLE="color: Red">
    &nbsp;</FONT></TD></TR>
</TABLE>


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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; color: #171717; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>How will First Horizon associates&rsquo; tenure be handled post close?</B></TD></TR></TABLE>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">First Horizon associates&rsquo; tenure will be grandfathered
once the transaction closes.</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; color: #171717; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>Will my role and responsibilities change?</B></TD></TR></TABLE>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt"><FONT STYLE="color: #171717">Today&rsquo;s announcement
will have no impact on your current day-to-day responsibilities. </FONT>If any changes are made, you will be notified well in advance.
We recognize that change can be stressful, but we ask that everyone keep an open mind and a positive attitude and to remember that
we are many months away from closing and that it is business as usual for now.</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; color: #171717; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>Will our benefit plans change?</B></TD></TR></TABLE>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt"><FONT STYLE="color: #171717">Until legal closing, no
changes will occur to your benefits. The human resources </FONT>team will hold meetings with associates in the coming months to
discuss specific details about TD&rsquo;s robust programs including health, retirement, and time off benefits.</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; color: #171717; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>Will I report to the same manager or department?</B></TD></TR></TABLE>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt"><FONT STYLE="color: #171717">Today&rsquo;s announcement
will have no impact on your current reporting structure. Until the transaction closes, First Horizon and TD will continue to operate
as separate, independent companies</FONT>.</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>What operating systems will we use?</B></TD></TR></TABLE>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">Decisions on operating systems will be communicated
as they are available.</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><FONT STYLE="color: #171717"><B>What are the plans to integrate the two companies?</B></FONT></TD></TR></TABLE>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">Details about the integration plans will be shared as
they are available.</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; color: #171717; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>How will we stay informed during this transition?</B></TD></TR></TABLE>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">We recognize that change can be stressful. We are committed
to keeping open lines of communication with you throughout the transition.</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">&nbsp;</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>CLIENT QUESTIONS</B></P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; color: #171717; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>If my clients ask me a question about the merger, how should I respond?</B></TD></TR></TABLE>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt; color: #171717">There are three important points to
make:</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt; color: #171717">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; color: #171717; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 18pt">1.</TD><TD>At this time, business as usual. No action is required, and closing is not expected to occur for another year.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="color: #171717">2.</FONT></TD><TD><FONT STYLE="color: #171717">This transaction will bring us an enhanced product portfolio and new capabilities to serve our
clients. You can highlight the benefits that TD brings to First Horizon including enhanced </FONT>products, capabilities, and technology
to serve First Horizon clients, a broader portfolio of offerings and a legendary customer service model to support its culture
of client service.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="color: #171717">3.</FONT></TD><TD>TD is committed to the local markets and communities &ndash; will invest within our footprint and will maintain our heritage
of deep local connections.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 11.4pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 9pt Arial, Helvetica, Sans-Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 50pt; text-align: right; border-right: Gray 3px solid; padding-right: 5pt; border-top: Gray 3px solid; padding-top: 2pt"><FONT STYLE="font: 15.96pt Arial, Helvetica, Sans-Serif; color: rgb(68,114,196)"><B>5</B></FONT></TD>
    <TD STYLE="padding-left: 5pt; border-top: Gray 3px solid; padding-top: 2pt; padding-bottom: 15pt"><FONT STYLE="color: Red">
    &nbsp;</FONT></TD></TR>
</TABLE>

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<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">For additional details about the transaction, please
direct clients to the news release and other information as we deploy them on our website. A communication on the announcement
will go out to commercial and consumer clients later this week. Additionally, we will provide clients with a tremendous amount
of information in the coming months.</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; color: #171717; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>How will clients be informed about any branch closings?</B></TD></TR></TABLE>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt; color: #171717">There are no planned closures as a result
of this transaction, and we expect TD to make investments for growth in the months/years following close.</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt; color: #171717">&nbsp;</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #171717"><B>COMMUNITY COMMITMENTS</B></P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #171717">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; color: #171717; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>Will this transaction impact our community initiatives?</B></TD></TR></TABLE>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">We share a common belief that we thrive when our communities
thrive. <FONT STYLE="color: #171717">Both companies&rsquo; </FONT>longstanding commitments to serve their communities will remain
central to the combined organization&rsquo;s future. TD has committed to fund the First Horizon Foundation with $40 million.</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>Is TD active in local communities?</B></TD></TR></TABLE>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">Yes. They are committed to supporting the communities
in which we live and work.</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">TD&rsquo;s purpose, <I>to enrich the lives of our customers,
colleagues, and communities, </I>is embedded in the Bank&rsquo;s strategy and is reflected in its unique and inclusive culture.</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">&nbsp;</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">The <FONT STYLE="color: #0563C1"><U>TD Ready
Commitment</U></FONT> brings TD&rsquo;s philanthropy, people, and business together to deliver positive impact in local markets. As
part of this work, <FONT STYLE="color: #1C1C1C">TD set a target of </FONT>contributing $775 million in the markets in which
it operates by 2030. TD has made more than $110 million in philanthropic donations to community organizations from
2018-2021.</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt">&nbsp;</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>MISCELLANEOUS</B></P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>Will we get to meet TD leaders?</B></TD></TR></TABLE>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt; color: #1C1C1C">Yes, TD leaders are eager to meet the
First Horizon team.</P>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt; color: #1C1C1C">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>If a media representative calls or visits my branch with questions about the merger, what do I do?</B></TD></TR></TABLE>

<P STYLE="font: 11.4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 36pt"><FONT STYLE="color: #171717">Please </FONT>send all
media or other outside parties&rsquo; inquiries to Beth Ardoin, SEVP, Chief Communications Officer for First Horizon at <FONT STYLE="color: #0563C1"><U>beth.ardoin@firsthorizon.com</U></FONT>,
(337) 521-4701 or cell (337) 278-6868.</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 11.4pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 9pt Arial, Helvetica, Sans-Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 50pt; text-align: right; border-right: Gray 3px solid; padding-right: 5pt; border-top: Gray 3px solid; padding-top: 2pt"><FONT STYLE="font: 15.96pt Arial, Helvetica, Sans-Serif; color: rgb(68,114,196)"><B>6</B></FONT></TD>
    <TD STYLE="padding-left: 5pt; border-top: Gray 3px solid; padding-top: 2pt; padding-bottom: 15pt"><FONT STYLE="color: Red">
    &nbsp;</FONT></TD></TR>
</TABLE>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Forward-Looking Statements</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">This communication contains certain &ldquo;forward-looking
statements&rdquo; within the meaning of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act
of 1933, as amended (the &ldquo;<U>Securities Act</U>&rdquo;), and Section 21E of the Exchange Act, with respect to First Horizon
Corporation (&ldquo;<U>First Horizon</U>&rdquo;)&rsquo;s beliefs, plans, goals, expectations, and estimates. Forward-looking statements
are not a representation of historical information, but instead pertain to future operations, strategies, financial results or
other developments. The words &ldquo;believe,&rdquo; &ldquo;expect,&rdquo; &ldquo;anticipate,&rdquo; &ldquo;intend,&rdquo; &ldquo;target&rdquo;,
&ldquo;plan&rdquo;, &ldquo;estimate,&rdquo; &ldquo;should,&rdquo; &ldquo;likely,&rdquo; &ldquo;will,&rdquo; &ldquo;going forward&rdquo;
and other expressions that indicate future events and trends identify forward-looking statements.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Forward-looking statements are necessarily
based upon estimates and assumptions that are inherently subject to significant business, operational, economic and competitive
uncertainties and contingencies, many of which are beyond the control of First Horizon, and many of which, with respect to future
business decisions and actions, are subject to change and which could cause actual results to differ materially from those contemplated
or implied by forward-looking statements or historical performance. Examples of uncertainties and contingencies include factors
previously disclosed in First Horizon&rsquo;s reports filed with the U.S. Securities and Exchange Commission (the &ldquo;<U>SEC</U>&rdquo;)
as well as the following factors, among others: the occurrence of any event, change or other circumstances that could give rise
to the right of one or both of the parties to terminate the definitive merger agreement between First Horizon and The Toronto-Dominion
Bank (&ldquo;<U>TD</U>&rdquo;); the outcome of any legal proceedings that may be instituted against First Horizon or TD, including
potential litigation that may be instituted against First Horizon or its directors or officers related to the proposed transaction
or the definitive merger agreement between First Horizon and TD related to the proposed transaction; the timing and completion
of the transaction, including the possibility that the proposed transaction will not close when expected or at all because required
regulatory, shareholder or other approvals are not received or other conditions to the closing are not satisfied on a timely basis
or at all, or are obtained subject to conditions that are not anticipated; interloper risk&#894; the risk that any announcements
relating to the proposed combination could have adverse effects on the market price of the common stock of First Horizon&#894;
certain restrictions during the pendency of the merger that may impact First Horizon&rsquo;s ability to pursue certain business
opportunities or strategic transactions; the possibility that the transaction may be more expensive to complete than anticipated,
including as a result of unexpected factors or events&#894; diversion of management&rsquo;s attention from ongoing business operations
and opportunities&#894; reputational risk and potential adverse reactions or changes to business or employee relationships, including
those resulting from the announcement or completion of the transaction&#894; First Horizon&rsquo;s success in executing its business
plans and strategies and managing the risks involved in the foregoing; currency and interest rate fluctuations; exchange rates;
success of hedging activities&#894; material adverse changes in economic and industry conditions, including the availability of
short and long-term financing; general competitive, economic, political and market conditions; changes in asset quality and credit
risk&#894; the inability to sustain revenue and earnings growth&#894; inflation&#894; customer borrowing, repayment, investment
and deposit practices&#894; the impact, extent and timing of technological changes&#894; capital management activities&#894; other
actions of the Board of Governors of the Federal Reserve System, the Office of the Comptroller of the Currency and the Federal
Deposit Insurance Corporation and legislative and regulatory actions and reforms; the pandemic created by the outbreak of COVID-19
and its variants, and resulting effects on economic conditions, restrictions imposed by public health authorities or governments,
fiscal and monetary policy responses by governments and financial institutions, and disruptions to global supply chains; and other
factors that may affect future results of First Horizon.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">We caution that the foregoing list of important factors that
may affect future results is not exhaustive. Additional factors that could cause results to differ materially from those contemplated
by forward-looking statements can be found in First Horizon&rsquo;s Annual Report on Form 10-K for the year ended December 31,
2020, and in its subsequent Quarterly Reports on Form 10-Q filed with the SEC and available in the &ldquo;Investor Relations&rdquo;
section of First Horizon&rsquo;s website, http://www.first horizon.com, under the heading &ldquo;SEC Filings&rdquo; and in other
documents First Horizon files with the SEC.</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>Important Other Information</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">In connection with the proposed transaction, First Horizon intends
to file relevant materials with the SEC, including a proxy statement on Schedule 14A.</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">This communication does not constitute an offer to sell or a
solicitation of an offer to buy any securities or a</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: 10pt Times New Roman, Times, Serif; margin: 0pt 0">solicitation of any vote or approval. SHAREHOLDERS OF FIRST
HORIZON ARE URGED TO READ, WHEN AVAILABLE, ALL RELEVANT DOCUMENTS (INCLUDING ANY AMENDMENTS OR SUPPLEMENTS THERETO) FILED WITH
THE SEC, INCLUDING FIRST HORIZON&rsquo;S PROXY STATEMENT, BECAUSE THEY WILL CONTAIN IMPORTANT INFORMATION ABOUT FIRST HORIZON AND
THE PROPOSED TRANSACTION.</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">Investors and shareholders of First Horizon will be able to
obtain a free copy of the proxy statement as well as other relevant documents filed with the SEC without charge at the SEC&rsquo;s
website (http://www.sec.gov). Copies of the proxy statement and the filings with the SEC that will be incorporated by reference
in the proxy statement can also be obtained, without charge, by directing a request to Clyde A. Billings Jr., First Horizon Corporation,
165 Madison, Memphis, TN 38103, telephone (901) 523-4444.</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>Participants in the Solicitation</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">First Horizon and certain of its directors, executive officers
and employees may be deemed to be participants in the solicitation of proxies in respect of the proposed transaction under the
rules of the SEC. Information regarding First Horizon&rsquo;s directors and executive officers is available in the proxy statement
for its 2021 annual meeting of shareholders, which was filed with the SEC on March 15, 2021, and certain of its Current Reports
on Form 8-K. Other information regarding the participants in the solicitation of proxies in respect of the proposed transaction
and a description of their direct and indirect interests, by security holdings or otherwise, will be contained in the proxy statement
and other relevant materials to be filed with the SEC. Free copies of these documents, when available, may be obtained as described
in the preceding paragraph.</P>

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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
