(1)     On October 17, 2011, the Board of Directors (“Board”) of First Horizon National Corporation (the “Company”) elected Scott M. Niswonger to the Board, effective immediately. Mr. Niswonger also has been elected to the Board of Directors of First Tennessee Bank National Association (the “Bank”). Mr. Niswonger will stand for election to the Board of the Company by the shareholders at the April 2012 annual meeting.

Mr. Niswonger, age 64, is the Chairman and founder of Landair Transport, Inc., a time-definite trucking, warehousing, and supply-chain management company. He previously served as Chief Executive Officer (until 2003) of Landair and as Chairman of the Board (until 2005) and Chief Executive Officer (until 2003) of Forward Air, Inc., which operated as one company with Landair until the two became separate publicly-traded companies in 1998. Since that separation Landair has become a privately-owned company.

(2)     There are no arrangements or understandings between Mr. Niswonger and any other person concerning his selection to be elected to the Board of the Company.

(3)     Mr. Niswonger has been appointed to serve on the Trust Committee of the Bank’s Board.

(4)     The Company, the Bank, and the subsidiaries of each, as applicable, have entered into lending transactions and/or other banking or financial services transactions in the ordinary course of business with the Company’s executive officers, directors, nominees, their immediately family members and affiliated entities, and the persons of which we are aware that beneficially own more than 5 percent of the Company’s common stock, and we expect to have such transactions in the future. Such transactions were made in the ordinary course of business, were made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with persons not related to the Company, and did not involve more than the normal risk of collectability or present other unfavorable features.

(5)       Mr. Niswonger will be eligible to participate in the Company’s active compensation plans and programs for non-employee directors. Additional information concerning the Company’s plans and programs for non-employee directors is provided in the following previously-filed material, which is incorporated into this item by reference: the “Director Compensation” section of the Company’s proxy statement for the 2011 annual meeting of shareholders appearing on pages 61-69.

Amendment of Bylaws

(1)    On October 17, 2011, the Company’s Board of Directors amended ARTICLE THREE, Section 3.2 of the Company’s Bylaws. The Bylaws are amended immediately as described below. The amended and restated Bylaws are filed herewith as Exhibit 3.1.

(2) The amendment to Section 3.2 increases the size of the Company’s Board of Directors from twelve to thirteen persons. The increase took effect immediately upon Board approval on October 17, 2011.

D. Bryan Jordan, President and Chief Executive Officer of the Company, has been elected by the Company’s Board of Directors to succeed Michael D. Rose as Chairman of the Board on January 1, 2012. Mr. Rose will retire from the Company’s Board in April 2012 at age 70, in accordance with the Board’s mandatory retirement policy.

The following exhibits are filed herewith:

All summaries and descriptions of documents, and of amendments thereto, set forth above are qualified in their entirety by the documents themselves, whether filed as an exhibit hereto or filed as an exhibit to a later report.

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