Board of Directors

The Board of Directors, upon the recommendation of the Nominating & Corporate Governance Committee, has determined that all nine of the current non-employee directors (Messrs. Carter, Cooper, Emkes, Haslam, Martin, Reed, Sansom and Yancy and Ms. Palmer) are independent under the listing standards of the New York Stock Exchange.

ROBERT B. CARTER

ROBERT B. CARTER is Executive Vice President — FedEx Information Services and Chief Information Officer of FedEx Corporation ("FedEx"), a provider of transportation, e-commerce and business services. He was Executive Vice President and Chief Information Officer of FedEx from June 2000 to January 2007. Mr. Carter serves as a director of one other public company, Saks Incorporated. He was elected as a director of First Horizon in July 2007.

Member of the Audit Committee
Member of the Nominating and Corporate Governance Committee

Holdings: 8,605 shares     View Transactions
Date	Type	Shares Traded	Price Range
Apr 20, 2009	Acquisition (Non Open Market)	3,909	n/a
Oct 1, 2008	Sell	1	9.46
Apr 18, 2008	Acquisition (Non Open Market)	3,430	n/a
Jul 20, 2007	Acquisition (Non Open Market)	900	n/a
Jul 17, 2007	Statement of Ownership	0	n/a

SIMON F. COOPER

SIMON F. COOPER has been President and Chief Operating Officer of The Ritz-Carlton Hotel Company, L.L.C. and an executive officer of its parent company, Marriott International, Inc., Bethesda, Maryland, a worldwide operator and franchisor of hotels and related lodging facilities since February 2001. Mr. Cooper has been a director of First Horizon since 2005.

Member of the Audit Committee

Holdings: 8,769 shares     View Transactions
Date	Type	Shares Traded	Price Range
Apr 9, 2009	Sell	1	10.99
Jan 1, 2009	Sell	0	10.46
Oct 1, 2008	Sell	1	8.65
Dec 19, 2006	Acquisition (Non Open Market)	6,400	n/a
Nov 1, 2006	Disposition (Non Open Market)	6,400	n/a
Jan 18, 2005	Acquisition (Non Open Market)	8,000	n/a
Jan 18, 2005	Statement of Ownership	0	n/a

MARK A. EMKES

MARK A. EMKES was elected as a director of First Horizon and First Tennessee Bank by the Board of Directors on November 19, 2008. Mr. Emkes is the Chairman and Chief Executive Officer of Bridgestone Americas Holding, Inc. and of Bridgestone Firestone North American Tire, LLC, Nashville, Tennessee, and is a director of Bridgestone Corporation, Tokyo, Japan. Mr. Emkes has been with the Bridgestone Firestone family of companies for over 30 years. Mr. Emkes is a director of one other public company, Greif, Inc.

Member of the Audit Committee
Member of the Compensation Committee

JAMES A. HASLAM, III

JAMES A. HASLAM, III is Chief Executive Officer of Pilot Travel Centers, LLC, Knoxville, Tennessee, a national operator of travel centers, and he is CEO of Pilot Corporation. Mr. Haslam is a director of two other public companies, Ruby Tuesday, Inc. and Dillard's, Inc. Mr. Haslam has been a director since 1996.

Member of the Compensation Committee
Member of the Credit Policy & Executive Committee

Holdings: 75,214 shares     View Transactions
Date	Type	Shares Traded	Price Range
Apr 20, 2009	Acquisition (Non Open Market)	2,932	n/a
Oct 20, 2008	Sell	0	12.89
Oct 1, 2008	Sell	0	9.32 - 14.20
Jul 22, 2008	Buy	10,000	7.65
Jul 21, 2008	Buy	30,000	8.00 - 8.15
Jul 17, 2008	Buy	5,000	7.74 - 7.75
Apr 18, 2008	Acquisition (Non Open Market)	2,572	n/a
Apr 20, 2007	Acquisition (Non Open Market)	851	n/a
Dec 19, 2006	Acquisition (Non Open Market)	1,200	n/a
Nov 1, 2006	Disposition (Non Open Market)	1,200	n/a
Oct 20, 2006	Acquisition (Non Open Market)	600	n/a

D. BRYAN JORDAN

D. BRYAN JORDAN is President and Chief Executive Officer and a director of First Horizon National Corporation ("First Horizon") and First Tennessee Bank National Association ("First Tennessee Bank"). Prior to September 1, 2008, Mr. Jordan was Chief Financial Officer of First Horizon and First Tennessee Bank. From 2000 to May 1, 2007, he was Senior Executive Vice President and Chief Financial Officer of Regions Financial Corporation and its subsidiary Regions Bank.

Member of the Credit Policy & Executive Committee

R. BRAD MARTIN

R. BRAD MARTIN is the Chairman of RBM Venture Company, Memphis, Tennessee, a family office. He retired as Chairman of the Board of Saks Incorporated ("Saks"), Birmingham, Alabama, a retail merchandising company, in May 2007. Prior to January 2007, Mr. Martin was Chairman of the Board and Chief Executive Officer of Saks. Mr. Martin is a director of four other public companies, Gaylord Entertainment Company, lululemon athletica inc., Ruby Tuesday, Inc., and Dillard's, Inc. He has been a director since 1994.

Member of the Compensation Committee
Chair of the Credit Policy & Executive Committee
Chair of the Nominating and Corporate Governance Committee

Holdings: 291,006 shares     View Transactions
Date	Type	Shares Traded	Price Range
Oct 20, 2008	Sell	1	8.57 - 8.64
Oct 20, 2008	Sell	2	8.65 - 8.66
Jan 1, 2008	Disposition (Non Open Market)	200	n/a
Nov 27, 2007	Buy	200	20.63
Nov 27, 2007	Buy	300	20.65 - 20.72
Oct 24, 2007	Buy	6,000	24.08 - 24.13
Oct 23, 2007	Buy	4,400	24.50
Oct 22, 2007	Buy	20,000	24.45 - 24.50
Oct 22, 2007	Buy	600	24.50
Oct 19, 2007	Buy	20,000	24.04 - 24.16
Aug 3, 2007	Buy	15,000	30.90 - 30.99
Dec 19, 2006	Acquisition (Non Open Market)	4,800	n/a
Nov 1, 2006	Disposition (Non Open Market)	4,800	n/a
Oct 27, 2006	Buy	600	39.25
Oct 26, 2006	Buy	32,600	38.91 - 39.00
Oct 24, 2006	Buy	120,000	38.22 - 38.35
Oct 23, 2006	Buy	130,000	38.24 - 38.50
Jun 14, 2006	Buy	2,000	38.74
May 2, 2005	Acquisition (Non Open Market)	4,800	n/a

VICKI R. PALMER

VICKI R. PALMER is Executive Vice President, Financial Services and Administration, Coca-Cola Enterprises Inc. ("CCE"), Atlanta, Georgia, a bottler of soft drink products. Until January 2004, Ms. Palmer served as Corporate Senior Vice President, Treasurer, and Special Assistant to the CEO of CCE. Ms. Palmer is a director of one other public company, Haverty Furniture Companies, Inc. She has been a director since 1993.

Chair of the Audit Committee
Member of the Credit Policy & Executive Committee

Holdings: 9,483 shares     View Transactions
Date	Type	Shares Traded	Price Range
Apr 1, 2009	Sell	1	11.17
Jan 14, 2009	Sell	1	10.98
Oct 1, 2008	Sell	1	9.92
Dec 19, 2006	Acquisition (Non Open Market)	4,800	n/a
Nov 1, 2006	Disposition (Non Open Market)	4,800	n/a
Jun 30, 2006	Disposition (Non Open Market)	2,000	n/a
May 2, 2005	Acquisition (Non Open Market)	4,800	n/a

COLIN V. REED

COLIN V. REED is the Chairman of the Board, President and Chief Executive Officer of Gaylord Entertainment Company, Nashville, Tennessee, a diversified hospitality and entertainment company. Mr. Reed was elected Chairman of the Board in May 2005 and Chief Executive Officer in May 2001. Prior to May 2001, he was Chief Financial Officer and a member of the three-executive Office of the President for Harrah's Entertainment, Inc. Mr. Reed is a director of one other public company, Gaylord Entertainment Company. He has been a director since April 2006.

Chair of the Compensation Committee
Member of the Nominating and Corporate Governance Committee

Holdings: 57,384 shares     View Transactions
Date	Type	Shares Traded	Price Range
Jan 5, 2009	Sell	0	10.69 - 10.80
Oct 6, 2008	Sell	1	10.02
Oct 1, 2008	Sell	1	10.03
Oct 19, 2007	Buy	14,000	24.12 - 24.44
Oct 19, 2007	Buy	19,500	23.91 - 24.11
Oct 19, 2007	Buy	8,000	24.15 - 24.50
Dec 19, 2006	Acquisition (Non Open Market)	7,200	n/a
Nov 1, 2006	Disposition (Non Open Market)	7,200	n/a
May 25, 2006	Buy	5,100	40.20 - 40.43
Apr 18, 2006	Acquisition (Non Open Market)	8,000	n/a

MICHAEL D. ROSE

MICHAEL D. ROSE is the Chairman of the Board of First Horizon and First Tennessee Bank. He has been the Chairman of the Board since January 29, 2007. (As of April 20, 2009, the Board adopted amendments to First Horizon's Bylaws that made the position of Chairman of the Board a non-officer position. Previously, that position was an officer position.) He served as Chairman of Gaylord Entertainment Company from April 2001 to May 2005. Mr. Rose is a director of three other public companies, Gaylord Entertainment Company, Darden Restaurants, Inc., and General Mills, Inc. Mr. Rose has been a director since 1984.

Member of the Credit Policy & Executive Committee

Holdings: 125,258 shares     View Transactions
Date	Type	Shares Traded	Price Range
Apr 20, 2009	Acquisition (Non Open Market)	3,909	n/a
Apr 1, 2009	Sell	1	10.56
Feb 2, 2009	Disposition (Non Open Market)	5,000	n/a
Jan 1, 2009	Sell	0	8.52
Jan 1, 2009	Sell	2	8.50
Oct 30, 2008	Sell	1	11.47
Oct 13, 2008	Sell	1	8.53
Oct 13, 2008	Sell	0	8.53
Oct 19, 2007	Buy	50,000	24.33
May 2, 2005	Acquisition (Non Open Market)	1,200	n/a
Apr 1, 2005	Option Execute	30,360	9.79 - 16.05
Apr 23, 2004	Buy	5,000	42.99

WILLIAM B. SANSOM

WILLIAM B. SANSOM is Chairman of the Board and Chief Executive Officer of The H. T. Hackney Co., Knoxville, Tennessee, a wholesale food distribution firm serving the Southeast and Midwest. He is a director of three other public companies, Astec Industries, Inc., Mid-America Apartment Communities, Inc., and the Tennessee Valley Authority. Mr. Sansom has been a director since 1984.

Member of the Credit Policy & Executive Committee

LUKE YANCY III

LUKE YANCY III is President and Chief Executive Officer of Mid-South Minority Business Council, Memphis, Tennessee, a nonprofit organization that promotes minority and women business enterprises. Prior to June 2000, Mr. Yancy was President, West Region, of AmSouth Bank and, prior to its acquisition by AmSouth in 1999, First American Bank. Mr. Yancy has been a director since 2001.

Member of the Audit Committee

Holdings: 10,296 shares     View Transactions
Date	Type	Shares Traded	Price Range
Apr 1, 2009	Sell	0	11.10
Jan 5, 2009	Sell	1	10.71
Oct 1, 2008	Sell	0	11.36
Dec 19, 2006	Acquisition (Non Open Market)	3,600	n/a
Nov 1, 2006	Disposition (Non Open Market)	3,600	n/a