Privacy Policy | Security Policy | Web Linking Policy

We value your relationship with us, and we know that respect for your privacy is the very foundation of that relationship. Since our company was founded in 1864, we have built a reputation based on trust. Advances in technology have made safeguarding private information all the more important. Along with our promise to provide you All Things Financial, we promise to safeguard the information you share with us.

About this Privacy Notice

This notice answers some important questions about customer information. It describes our privacy policies including how we collect, use and safeguard customer information. It also explains how you can direct us not to share certain types of information within our family of companies.

Who is Covered by this Notice?

This notice applies to all of our current and former customers.

What Kinds of Information Do We Collect?

We collect the following types of information about our customers:

• Income, marital status, age, driver license and Social Security numbers and other information from applications and other forms you complete
• Loan payment history, account balances and other information about transactions you conduct with us, our affiliates, or others
• Account information from other companies that you ask us to maintain online for you
• Credit scores or credit histories from credit reporting agencies and other information such as demographic information and insurance claims information we receive from third parties

We call all of this information "Customer Information."

How Do We Use This Information to Your Benefit?

We use Customer Information to provide you with superior service and value, in other words, All Things Financial. Sharing Customer Information can save you time because you're not continually supplying our affiliates with the same information. It can reduce the amount of unwanted mail you receive because we send you only information that may truly interest you. It also allows you to get the assistance you need through our telephone service centers.

How Do We Protect Customer Information?

Our employees have limited access to Customer Information. They have access only when it will help you do business with us or help us do business with you. We maintain physical, electronic and procedural safeguards that comply with government regulations to guard Customer Information.

Do We Share Information with Outside Companies?

We do not sell Customer Information to outside companies to use for their own marketing purposes. Outside organizations that provide us services (such as printing or mailing) or help us provide you with products or services you request (such as clearing brokerage transactions or underwriting insurance applications) may receive Customer Information to help us provide you with these products and services. We may also provide Customer Information to companies that perform marketing services for us or to financial institutions with which we have joint marketing agreements. These companies help us provide you with All Things Financial, and tthey are obligated to keep Customer Information confidential. We also share Customer Information with others when it is required or permitted by law, such as to credit bureaus or to comply with subpoenas and summonses.

Do We Share Information Within Our Family of Companies?

Sharing Customer Information among the financial service providers in our family of companies is the key to providing you with All Things Financial. We may share Customer Information with our internal broker-dealers, insurance agents, mortgage company, or other affiliates because they may have products or services that could benefit you.

Do You Have Any Choices to Make About Sharing Customer Information?

If you do not want us to share application and credit information with another company in our family of companies, please call us at (877) 242-9880. When you call, someone will be able to answer your questions about privacy, and, if you choose, you may request that we not share application or credit information within our family of companies. Please remember that if you ask that we not share Customer Information in this way, you may not receive information about our products or services that may interest you. If you have already called us and requested that we not share this type of Customer Information, there is no need to make this request again.

Please know that even if you do ask that we not share application or credit information about you with our affiliates, we are permitted by law to share transaction and experience information such as account balances and payment history within our family of companies.

If you have a joint account, we will treat a request not to share credit or application information by one account holder as applying only to that account holder unless the customer notifies us that he or she is acting on behalf of the other account holders. If your insurance policy names more than one person as the insured parties, we will treat a request not to share this type of information by one insured as applying only to that person unless he or she notifies us that he or she is acting on behalf of the other insured party.

What About Health Information?

We may collect personally identifiable health information, like medical reports, for certain products or services that we offer. We do not share personally identifiable health information with anyone except as may be requested or required in connection with processing a product or service you have requested or as required or permitted by law.

What if Your Information is Not Correct?

We have procedures in place to maintain accurate Customer Information. These procedures include responding to requests to correct inaccurate Customer Information. If you believe our customer records contain incorrect information about you, call or write to us at the telephone number or address listed on your account statement.

How Do We Keep You Up to Date on our Privacy Policies?

We will provide you with a privacy notice each year as long as you have a relationship with us. If we make material changes to our notice, we'll let you know. We'll also post our updated privacy notice on our Web sites, www.FirstTennessee.com, www.FirstHorizon.com and www.Synaxisgroup.com. If you open another account or obtain another product or service from another company within our family of companies, you may receive another copy of this privacy notice. Certain customers may receive a separate notice about specific privacy policies that may apply to their products or services. This privacy notice was last updated in March, 2006, and replaces any previous notices you may have received about the privacy policies for our family of companies.

What If You Suspect Identity Theft?

If you're concerned that someone has unauthorized access to your personal information, please call us immediately at (800) 382-5465 so we can take steps to help protect you. You should also report your concerns to

• Your local law enforcement officials
• The Federal Trade Commission identity theft hotline at (877) ID-Theft
• The Social Security Administration fraud hotline at (800) 269-0271
• Your credit card companies. Remember, knowing where to find your credit card information and toll-free contact numbers will help in an emergency.
• National credit reporting organizations that can place a fraud alert on your name and Social Security number:

Special Notice for Vermont Residents

In order to comply with Vermont law, we will treat all accounts with a Vermont mailing address as if you have requested that we not share your Customer Information with another company in our family of companies. In addition, if we provide Customer Information to companies that perform marketing services for us or to financial institutions with which we have joint marketing agreements, we will only provide your name, contact information and transaction information

Which Companies Make Up Our Family of Companies?

Our privacy promise applies to information about current and former customers of the First Horizon, First Tennessee, and Synaxis companies listed below -- and divisions of those companies. When the term "affiliate" or "family of companies" is used in this notice, it means those companies listed below and any other company owned or controlled by First Horizon National Corporation.

Our Commitment to Your Security

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Protection for First Horizon Home Loans customers is provided by several security measures creating a safe and reliable online experience.

First, to gain access to First Horizon Home Loans customer information, users must verify their identity with their unique access information. Second, the entire First Horizon Home Loans computer system is protected with firewalls, limiting access to First Horizon Home Loans services to only those customers providing the proper identification. Third, before data is exchanged between the customer and First Horizon Home Loans, it is encoded or scrambled with key SSL encryption.

The federal government also provides significant protection. Many consumers are unaware that the same laws protecting them in the case of fraudulent credit card usage also protects them in the case of unauthorized online mortgage loan activity.

Firewalls

The Internet was not originally designed for open access by the general public. However, the popularity and acceptance of the Internet is creating the demand for more and more companies to make information available from internal computer systems. For example, your bank would like to offer online banking information via the Internet, but does not want to compromise their extensive computer security systems. One of the ways to meet this need is for the bank to install and maintain a security firewall on our computer network.

Although firewall is a new word for many computer users, the concept is not. Firewalls act much like the manager of a safe deposit box vault. When you visit the bank to add or remove items to your safe deposit box, you aren't allowed to walk into the vault, search for your own box, conduct your business and leave without speaking to anyone. Instead, you must do this with the safe deposit manager. The manager asks to see identification, confirms who you are with a signature card, and then escorts you to your safe deposit box. Together, you enter the vault and only use separate keys to access your safe deposit box. You are then escorted to a small room where you can transact your business in private. When you are done, you simply reverse the process and a notation is made of who and when your safe deposit box was accessed. The same methodology is programmed into today's professional firewalls, which authenticate every request for information, and provide only the information that person is authorized to have while documenting every event.

Secure Socket Layer (SSL)

All data exchanged over the Internet is divided into small units and sent in envelope type packets. Upon arriving at the computer that requested the information, the packets are reassembled into the original message.

For Internet transactions and communications, you must employ a method of securing these packets as they travel across the Internet. Secure Socket Layer, or SSL, is a leading method for encrypting and decrypting packets of data as they are exchanged using a code known only to the data's sender and recipient. SSL locks the data so that, regardless of the path the data takes as it passes across the Internet, it only can be opened by the end user with the proper key or combination to the lock on the data.

SSL technology is widely accepted today because of the complex combination needed to unlock SSL encrypted data. The bottom line is that even if someone could sift your packets of data out of the trillions passing through the Internet every minute, it would take so long for someone to unlock each of the SSL-protected packets, that the data would be out of date and useless by the time it was reassembled.

About Our Web Linking Policy

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Our Web site may contain links to content provided by third-party sources. First Horizon and its affiliates can not be held responsible for content found on any sites beyond our own.