<SEC-DOCUMENT>0000930413-22-000792.txt : 20220421
<SEC-HEADER>0000930413-22-000792.hdr.sgml : 20220421
<ACCEPTANCE-DATETIME>20220421172229
ACCESSION NUMBER:		0000930413-22-000792
CONFORMED SUBMISSION TYPE:	DEFA14A
PUBLIC DOCUMENT COUNT:		3
FILED AS OF DATE:		20220421
DATE AS OF CHANGE:		20220421

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:		22842404

	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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<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0; text-align: center">UNITED STATES<BR>
SECURITIES AND EXCHANGE COMMISSION</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">Washington, D.C. 20549</P>

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">Proxy Statement Pursuant to Section 14(a)
of<BR>
the Securities Exchange Act of 1934</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt">Filed by the Registrant <FONT STYLE="font-family: MS Gothic, Helvetica, Sans-Serif">&#9746;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt">Filed by a Party other than the Registrant <FONT STYLE="font-family: MS Gothic, Helvetica, Sans-Serif">&#9744;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt">Check the appropriate box:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-family: MS Gothic, Helvetica, Sans-Serif">&#9744;</FONT><FONT STYLE="font-family: Courier New, Courier, Monospace">&#9;</FONT>Preliminary
Proxy Statement</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-family: MS Gothic, Helvetica, Sans-Serif">&#9744;</FONT><FONT STYLE="font-family: Courier New, Courier, Monospace">&#9;</FONT>Confidential,
for Use of the Commission Only (as permitted by Rule 14a-6(e)(2))</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-family: MS Gothic, Helvetica, Sans-Serif">&#9744;</FONT><FONT STYLE="font-family: Courier New, Courier, Monospace">&#9;</FONT>Definitive
Proxy Statement</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-family: MS Gothic, Helvetica, Sans-Serif">&#9744;</FONT><FONT STYLE="font-family: Courier New, Courier, Monospace">&#9;</FONT>Definitive
Additional Materials</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-family: MS Gothic, Helvetica, Sans-Serif">&#9746;</FONT><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9.5pt">&#9;</FONT>Soliciting
Material under &sect;240.14a-12</P>

<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0; text-align: center; border-bottom: Black 0.5pt solid">FIRST HORIZON
CORPORATION</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 24pt; text-align: center">(Name of Registrant as Specified In Its Charter)</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; 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: 0 0 12pt">Payment of Filing Fee (Check the appropriate box):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-family: MS Gothic, Helvetica, Sans-Serif">&#9746;</FONT><FONT STYLE="font-family: Verdana, Helvetica, Sans-Serif; font-size: 9.5pt">&#9;</FONT>No
fee required.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-family: MS Gothic, Helvetica, Sans-Serif">&#9744;</FONT><FONT STYLE="font-family: Courier New, Courier, Monospace">&#9;</FONT>Fee
paid previously with preliminary materials.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-family: MS Gothic, Helvetica, Sans-Serif">&#9744;</FONT><FONT STYLE="font-family: Courier New, Courier, Monospace">&#9;</FONT>Fee computed on table in exhibit required by Item 25(b) per Exchange Act Rules 14a-6(i)(1) and 0-11.</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;&nbsp;</P>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>The following e-mail was sent to clients of VirtualBank, part of First Horizon Bank.</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I></I></P>



<P STYLE="font: 10.44pt Arial, Helvetica, Sans-Serif; margin-top: 0; text-align: center; margin-bottom: 0"><IMG SRC="x1_c103592a001.jpg" ALT="">&nbsp;</P>

<P STYLE="font: 10.44pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 18pt Arial, Helvetica, Sans-Serif; margin-top: 0; text-align: center; margin-bottom: 0; color: rgb(48,73,118)"><B>VirtualBank to join TD Bank</B></P>

<P STYLE="font: 10.44pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10.44pt Arial, Helvetica, Sans-Serif; margin: 0">Dear VirtualBank Client,</P>

<P STYLE="font: 10.44pt Arial, Helvetica, Sans-Serif; margin: 0">I am pleased to share some exciting news about VirtualBank,
part of First Horizon Bank. On Monday, February 28, First Horizon announced it had entered into a definitive agreement to be acquired
by TD Bank Group.</P>

<P STYLE="font: 10.44pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10.44pt Arial, Helvetica, Sans-Serif; margin: 0">We believe this merger and our combined offerings will significantly
enhance our ability to serve you, our client, with world-class financial products and services delivered by bankers you know and
trust.</P>

<P STYLE="font: 10.44pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10.44pt Arial, Helvetica, Sans-Serif; margin: 0">Our commitment to you is that the financial services we deliver
for you will continue to be personal and accessible &ndash; and backed by advanced time-saving technology.</P>

<P STYLE="font: 10.44pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10.44pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Together with TD</B></P>

<P STYLE="font: 10.44pt Arial, Helvetica, Sans-Serif; margin: 0">TD Bank, America's Most Convenient Bank (TD) and a member
of TD Bank Group, is a strong, well-capitalized institution. Together, we will be the sixth-largest U.S. bank by assets, enabling
us to optimize our service to meet your changing needs with investments in technology and talent.</P>

<P STYLE="font: 10.44pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10.44pt Arial, Helvetica, Sans-Serif; margin: 0">You may not be familiar with TD, but they carry an exceptional
reputation as a leader in financial services and have earned one of the highest credit ratings of any U.S. bank. Like First Horizon,
TD has a relationship-focused, local-market approach designed to help you and your business grow through consistent execution and
creative solutions.</P>

<P STYLE="font: 10.44pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10.44pt Arial, Helvetica, Sans-Serif; margin: 0">You may also be interested to know:</P>

<P STYLE="font: 10.44pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10.44pt Arial, Helvetica, Sans-Serif">
<TR>
    <TD STYLE="width: 18pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 18pt; line-height: 107%"><FONT STYLE="color: black">&bull;</FONT></TD>
    <TD STYLE="vertical-align: bottom; line-height: 107%"><FONT STYLE="color: black">TD has over
    25,000 U.S. associates, over 1,100 banking centers and is headquartered in Cherry Hill, NJ.</FONT></TD></TR>
<TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 107%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; line-height: 107%">&nbsp;</TD></TR>
<TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 107%"><FONT STYLE="color: black">&bull;</FONT></TD>
    <TD STYLE="vertical-align: bottom; line-height: 107%"><FONT STYLE="color: black">The combined organization will have approximately
    $614 billion in assets<SUP>1</SUP> across 22 states.</FONT></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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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10.44pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 18pt">&nbsp;</TD>
    <TD STYLE="width: 18pt; line-height: 107%; text-align: left; vertical-align: top"><FONT STYLE="color: black">&bull;</FONT></TD>
    <TD STYLE="line-height: 107%"><FONT STYLE="color: black">The combined organization
    will continue to have a significant operating presence in all of the markets in which both companies operate today, including
    a regional hub in Memphis, TN.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10.44pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10.44pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Looking ahead</B></P>

<P STYLE="font: 10.44pt Arial, Helvetica, Sans-Serif; margin: 0">The transaction is expected to close in the first quarter of
TD's 2023 fiscal year,<SUP>2</SUP> subject to satisfaction of customary closing conditions. Until the close of the transaction,
First Horizon will continue to be a separate, independent company, and we will work hard to keep you well informed of any changes
that may impact your service.</P>

<P STYLE="font: 10.44pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10.44pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="color: black">If you have questions, please feel
free to contact us at </FONT><FONT STYLE="color: #0054A7">1-877-998-2265 </FONT><FONT STYLE="color: black">(Monday &ndash; Friday,
8:30 a.m. &ndash; 5:30 p.m. ET). You can also visit </FONT><FONT STYLE="color: #0054A7">firsthorizon.com/td </FONT><FONT STYLE="color: black">for
additional information.</FONT></P>

<P STYLE="font: 10.44pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10.44pt Arial, Helvetica, Sans-Serif; margin: 0">Thank you in advance for your continued confidence in us.</P>

<P STYLE="font: 10.44pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10.44pt Arial, Helvetica, Sans-Serif; margin: 0">Sincerely,</P>

<P STYLE="font: 10.44pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10.44pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;<IMG SRC="x1_c103592a002.jpg" ALT=""></P>

<P STYLE="font: 10.44pt Arial, Helvetica, Sans-Serif; margin: 0">Bryan Jordan</P>

<P STYLE="font: 10.44pt Arial, Helvetica, Sans-Serif; margin: 0">President, Chief Executive Officer</P>

<P STYLE="font: 10.44pt Arial, Helvetica, Sans-Serif; margin: 0; color: #666666">&nbsp;</P>

<P STYLE="font: 10.44pt Arial, Helvetica, Sans-Serif; margin: 0; color: #666666">&nbsp;</P>

<P STYLE="font: 8.28pt Arial, Helvetica, Sans-Serif; margin: 0; color: #666666"><SUP>1</SUP>&#9;Combined financial data
for TD Group US Holdings and First Horizon as of December 31, 2021.</P>

<P STYLE="font: 8.28pt Arial, Helvetica, Sans-Serif; margin: 0; color: #666666"><SUP>2</SUP>&#9;TD Bank Group&rsquo;s fiscal
year begins on November 1, 2022, and ends on October 31, 2023.</P>

<P STYLE="font: 8.28pt Arial, Helvetica, Sans-Serif; margin: 0; color: #666666">&nbsp;</P>

<P STYLE="font: 8.28pt Arial, Helvetica, Sans-Serif; margin: 0; color: #666666">VirtualBank, a division of First Horizon
Bank.</P>

<P STYLE="font: 8.28pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="color: #666666">&copy;2022 First Horizon Bank.
165 Madison Ave., Memphis, TN 38103. Member FDIC. </FONT><FONT STYLE="color: #0054A7">www.firsthorizon.com</FONT><FONT STYLE="color: #666666">.</FONT></P>

<P STYLE="font: 8.28pt Arial, Helvetica, Sans-Serif; margin: 0; color: #666666">&nbsp;</P>

<P STYLE="font: 8.28pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="color: #666666">Trouble viewing this email?
</FONT><FONT STYLE="color: #0054A7">View it online</FONT><FONT STYLE="color: #666666">.</FONT></P>

<P STYLE="font: 8.28pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="color: #666666">If you prefer not to receive
email offers like this one in the future, </FONT><FONT STYLE="color: #0054A7">click here</FONT><FONT STYLE="color: #666666">.</FONT></P>

<P STYLE="font: 8.28pt Arial, Helvetica, Sans-Serif; margin: 0; color: #666666"><B>&nbsp;</B></P>

<P STYLE="font: 8.28pt Arial, Helvetica, Sans-Serif; margin: 0; color: #666666"><B>Forward-Looking Statements</B></P>

<P STYLE="font: 8.28pt Arial, Helvetica, Sans-Serif; margin: 0; color: #666666">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 Securities Exchange Act of 1934, as amended
(the &ldquo;<U>Exchange Act</U>&rdquo;), with respect to First Horizon Corporation&rsquo;s (the &ldquo;<U>First Horizon</U>&rdquo;)
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: 8.28pt Arial, Helvetica, Sans-Serif; margin: 0; color: #666666">&nbsp;</P>

<P STYLE="font: 8.28pt Arial, Helvetica, Sans-Serif; margin: 0; color: #666666">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</P>


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<P STYLE="font: 8.28pt Arial, Helvetica, Sans-Serif; margin: 0; color: #666666">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; 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; 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; diversion of management&rsquo;s attention from ongoing business operations and opportunities; reputational risk and
potential adverse reactions or changes to business or employee relationships, including those resulting from the announcement
or completion of the transaction; 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; 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; the inability to sustain revenue and earnings
growth; inflation; customer borrowing, repayment, investment and deposit practices; the impact, extent and timing of technological
changes; capital management activities; other actions of the Board of Governors of the Federal Reserve System, the Office of the
Comptroller of the Currency, the Federal Deposit Insurance Corporation, the Tennessee Department of Financial Institutions and
other regulators, 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: 8.28pt Arial, Helvetica, Sans-Serif; margin: 0; color: #666666">&nbsp;</P>

<P STYLE="font: 8.28pt Arial, Helvetica, Sans-Serif; margin: 0; color: #666666">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, 2021, 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.firsthorizon.com, under the heading &ldquo;SEC Filings&rdquo;
and in other documents First Horizon files with the SEC.</P>

<P STYLE="font: 8.28pt Arial\,Bold; margin: 0; color: #666666"><B>&nbsp;</B></P>

<P STYLE="font: 8.28pt Arial\,Bold; margin: 0; color: #666666"><B>Important Other Information</B></P>

<P STYLE="font: 8.28pt Arial, Helvetica, Sans-Serif; margin: 0; color: #666666">In connection with the proposed transaction
with TD, First Horizon has filed a preliminary proxy statement and other materials with the SEC, and intends to file additional
relevant materials with the SEC, including a definitive proxy statement on Schedule 14A. All preliminary materials are subject
to completion.</P>

<P STYLE="font: 8.28pt Arial, Helvetica, Sans-Serif; margin: 0; color: #666666">&nbsp;</P>

<P STYLE="font: 8.28pt Arial, Helvetica, Sans-Serif; margin: 0; color: #666666">This communication does not constitute an
offer to sell or a solicitation of an offer to buy any securities or a 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 WITH TD.</P>

<P STYLE="font: 8.28pt Arial, Helvetica, Sans-Serif; margin: 0; color: #666666">&nbsp;</P>

<P STYLE="font: 8.28pt Arial, Helvetica, Sans-Serif; margin: 0; color: #666666">Investors and shareholders of First Horizon
will be able to obtain a free copy of the definitive 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 definitive proxy statement and the filings with the SEC that
will be incorporated by reference in that 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: 8.28pt Arial, Helvetica, Sans-Serif; margin: 0; color: #666666"><B>&nbsp;</B></P>

<P STYLE="font: 8.28pt Arial, Helvetica, Sans-Serif; margin: 0; color: #666666"><B>Participants in the Solicitation</B></P>

<P STYLE="font: 8.28pt Arial, Helvetica, Sans-Serif; margin: 0; color: #666666">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 2022 annual meeting of shareholders, which was filed with the SEC on March 14, 2022, 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>
