8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934

November 8, 2019

Date of Report (date of earliest event reported)

First Horizon National Corporation

(Exact name of registrant as specified in its charter)

TN	001-15185		62-0803242
(State or other jurisdiction of incorporation)	(Commission File Number)		(I.R.S. Employer Identification No.)
165 Madison Avenue	Memphis,	Tennessee	38103
(Address of Principal Executive Offices)			(Zip Code)

(901) 523-4444

Registrant's telephone number, including area code

(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class	Trading Symbol(s)	Name of each exchange on which registered
$.625 Par Value Common Capital Stock	FHN	New York Stock Exchange LLC
Depositary Shares, each representing a 1/4,000th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series A	FHN PR A	New York Stock Exchange LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.

o

Item 7.01. Regulation FD Disclosure.

Furnished as Exhibit 99.1 is a copy of First Horizon’s press release related to the matters discussed below. The press release was issued on November 8, 2019.

Furnished as Exhibit 99.2 is a copy of First Horizon’s slide presentation dated November 8, 2019, related to the matters discussed below.

The exhibits are furnished pursuant to this Item 7.01. The exhibits speak as of their date. First Horizon does not assume any obligation to update in the future any information contained in the exhibits.

Item 8.01. Other Events.

On November 8, 2019 First Horizon Bank ("FHB") entered into an agreement with SunTrust Bank to purchase 30 bank branches. FHB expects the purchase of the branches to close in first quarter 2020, subject to approval by regulators and customary closing conditions. FHB is a subsidiary of First Horizon National Corporation.

The branches are in communities in North Carolina (20 branches), Virginia (8 branches) and Georgia (2 branches). FHB will assume branch deposits at closing and will pay a deposit premium of 3.40 percent based on deposit balances near the time the transaction closes. Also, as part of the transaction, FHB will acquire branch loans and related fixed assets. As of June 30, 2019, branch deposit balances were approximately $2.4 billion and branch loan balances were approximately $410 million.

Forward-Looking Statements

This current report on Form 8-K, including its exhibits, contains certain “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995 with respect to our 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 “believe,” “expect,” “anticipate,” “intend,” “estimate,” “should,” “is likely,” “will,” “going forward,” and other expressions that indicate future events and trends identify forward-looking statements.

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. Examples of uncertainties and contingencies include, among other important factors: global, general, and local economic and business conditions, including economic recession or depression; expectations of and actual timing and amount of interest rate movements, including the slope and shape of the yield curve, which can have a significant impact on a financial services institution; market and monetary fluctuations, including fluctuations in mortgage markets; inflation or deflation; customer, investor, competitor, regulatory, and legislative responses to any or all of these conditions; demand for First Horizon’s product offerings; the actions of the Securities and Exchange Commission (SEC), the Financial Accounting Standards Board (FASB), the Tennessee Department of Financial Institutions (TDFI), the Board of Governors of the Federal Reserve System (Federal Reserve), the Federal Deposit Insurance Corporation (FDIC), the Financial Industry Regulatory Authority (FINRA), the U.S. Department of the Treasury (Treasury), the Municipal Securities Rulemaking Board (MSRB), the Consumer Financial Protection Bureau (CFPB), the Financial Stability Oversight Council (Council), the Public Company Accounting Oversight Board (PCAOB), and other regulators and agencies, including in connection with the regulatory approval process associated with the pending transaction, threatened, or possible future regulatory, administrative, and judicial outcomes, actions, and proceedings; current or future Executive Orders; changes in laws and regulations applicable to First Horizon; the possibility that the proposed transaction will not close when expected or at all because required regulatory are not received or other conditions to the closing are not satisfied on a timely basis or at all; the possibility that the anticipated benefits of the transaction will not be realized when expected or at all, including as a result of the impact of, or problems arising from the integration of customers or as a result of the strength of the economy and competitive factors in the areas where First Horizon does business; 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's attention from ongoing business operations and opportunities; potential adverse reactions or changes to business or employee relationships, including those resulting from the announcement or completion of the transaction; First Horizon's success in executing its business plans and strategies and managing the risks involved in the foregoing; and other factors that may affect future results of First Horizon.

Additional factors that could cause results to differ materially from those contemplated by forward-looking statements can be found in First Horizon’s Annual Report on Form 10-K for the year ended December 31, 2018 and in its subsequent Quarterly Reports on Form 10-Q, each of which has been filed with the SEC and is available in the “Investor Relations” section of First Horizon’s website, http://www.firsthorizon.com, under the heading “SEC Filings”.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits

The following exhibits are furnished pursuant to Item 7.01, are not to be considered “filed” under the Securities Exchange Act of 1934, as amended (“Exchange Act”), and shall not be incorporated by reference into any of First Horizon’s previous or future filings under the Securities Act of 1933, as amended, or the Exchange Act.

Exhibit #	Description
99.1	Text of Press Release issued November 8, 2019
99.2	Slide Presentation dated November 8, 2019
104	Cover Page Interactive Data File, formatted in Inline XBRL

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

		First Horizon National Corporation
Date:	November 8, 2019	By:	/s/ William C. Losch III
		William C. Losch III
		Executive Vice President and Chief Financial Officer

EX-99.1

First Horizon to Expand Branch Network in Key Growth Markets

First Horizon agrees to acquire 30 SunTrust branches in North Carolina, Virginia, Georgia

Acquisition includes approximately $2.4 billion in deposits and $410 million in loans

Transaction represents required regulatory divestitures in connection with the merger of equals between SunTrust and BB&T

MEMPHIS, Tenn. & ATLANTA, GA & WINSTON-SALEM, NC - Nov. 8, 2019 - First Horizon National Corp. (NYSE:FHN), SunTrust Banks, Inc. (NYSE: STI) and BB&T Corporation (NYSE: BBT) today announced that First Horizon Bank has entered into an agreement to acquire 30 branches from SunTrust Bank. As part of the agreement, First Horizon will assume approximately $2.4 billion in deposits for a deposit premium of 3.40 percent, and will purchase approximately $410 million in loans. The branch acquisition enhances the company’s presence in key growth markets such as Durham, Chapel Hill and Winston-Salem, North Carolina, as well as extends its banking footprint into additional attractive markets in Virginia and Georgia.

“First Horizon is excited to welcome new employees and customers to our family,” said Bryan Jordan, First Horizon’s Chairman and CEO. “We are proud of the tradition of trust we have earned for more than 155 years and look forward to working with BB&T and SunTrust to design a seamless onboarding experience.”

The branches are being divested to satisfy regulatory requirements in connection with the previously announced merger of equals between SunTrust and BB&T. The divestiture is expected to close in early 2020, subject to regulatory approval and other customary closing conditions. First Horizon expects to retain all current SunTrust employees in the acquired branches when the transaction closes. SunTrust and First Horizon will communicate with customers during the transition to ensure smooth continuity of service.

“First Horizon is recognized in the industry for its outstanding customer service and commitment to a positive culture,” said SunTrust Chairman and CEO Bill Rogers. “We are pleased to have found a buyer that will retain the jobs of talented teammates and continue to foster the strong client relationships we have established in these branches.”

Kelly King, BB&T Chairman and CEO added, “This announcement marks another significant and required step toward the merger of equals between BB&T and SunTrust. We look forward to working with First Horizon to ensure a smooth transition for these branch teams and clients.”

These branch acquisitions are unrelated to First Horizon’s recent announcement of a merger of equals with IBERIABANK. The acquired bank branches will operate under the First Horizon Bank brand.

For more information, please see related investor materials posted at: https://www.firsthorizon.com/investor-relations.

List of branches in transaction:

Winston-Salem, NC Fed Banking Market

Medical Park, 2006 S. Hawthorne Rd., Winston-Salem, NC 27103

Mocksville Yadkinville Road, 880 Yadkinville Rd., Mocksville, NC. 27028

Yadkinville State Street, 200 S. State St., Yadkinville, NC 27055

Reynolda Road, 2801 Reynolda Rd., Winston-Salem, NC 27106

Hillsdale, 5361 US Highway 158 Advance, NC 27006

Walkertown Main, 2820 Old Hollow Rd., Walkertown, NC 27051

First Stratford, 101 South Stratford Rd., Winston-Salem, NC 27104

Kernersville, 1000 S. Main St., Kernersville, NC 27284

Ogburn Station, 4306 N. Liberty St., Winston-Salem, NC 27105

Durham-Chapel Hill, NC Banking Market

South Square, 4235 University Drive, Durham, NC 27707

Triangle Park, 2008 East NC Highway 54, Durham, NC 27713

Croasdaile, 1821 Hillandale Rd., Durham, NC 27705

Riverview, 5112 N. Roxboro Rd., Durham, NC 27704

Northgate Mall, 1516 N. Gregson St., Durham, NC 27701

Bethesda Point, 1611 S. Miami Blvd., Durham, NC 27703

University Mall, 201 South Estes Dr, Chapel Hill, NC 27514

West Franklin, 126 West Franklin Street, Chapel Hill, NC 27516

Hillsborough Central, 260 S. Churton St., Hillsborough, NC 27278

Pittsboro, 88 Hillsboro St. Pittsboro, NC 27312

South Madison Boulevard, 207 S. Madison Blvd., Roxboro, NC 27573

Roanoke, VA Fed Banking Market

Smith Mountain Lake, 13264 Booker T Washington Hwy., Hardy, VA 24101

Main & Court, 260 S. Main St., Rocky Mount, VA 24151

Martinsville, VA Banking Market

Collinsville, 3000 Virginia Ave, Collinsville, VA 24078

Village of Martinsville, 250 Commonwealth Blvd., W. Martinsville, VA 24112

Patrick County, 114 W. Blue Ridge St., Stuart, VA 24171

Eastern Shore, VA-MD Banking Market

Onancock, 62 Market St., Onancock, VA 23417

Cheriton, 21263 Lankford Hwy., Cape Charles, VA 23310

South Boston, VA Fed Banking Market

South Boston, 410 Main St., South Boston, VA 24592

Wayne County, GA Fed Banking Market

Jesup, 175 S. Macon St., Jesup, GA 31545

Lumpkin County, GA Fed Banking Market

Dahlonega Main, 111 S Chestatee St., Dahlonega, GA 30533

Morgan Stanley & Co. LLC served as financial advisor and Baker, Donelson, Bearman, Caldwell & Berkowitz, PC served as legal counsel to First Horizon for the purchase. RBC Capital Markets and SunTrust Robinson Humphrey served as financial advisors and Wachtell, Lipton, Rosen & Katz and Sullivan & Cromwell served as legal counsel to BB&T and SunTrust in this transaction.

Disclaimers and Other Information

Forward-Looking Statements

This release contains certain “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995 with respect to our beliefs, plans, goals, expectations, and estimates of First Horizon, SunTrust and BB&T. Forward-looking statements are not a representation of historical information, but instead pertain to future operations, strategies, financial results or other developments. The words “believe,” “expect,” “anticipate,” “intend,” “estimate,” “should,” “is likely,” “will,” “going forward,” and other expressions that indicate future events and trends identify forward-looking statements.

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 SunTrust and BB&T, and many of which, with respect to future business decisions and actions, are subject to change. Examples of uncertainties and contingencies include, among other important factors: global, general, and local economic and business conditions, including economic recession or depression; expectations of and actual timing and amount of interest rate movements, including the slope and shape of the yield curve, which can have a significant impact on a financial services institution; market and monetary fluctuations, including fluctuations in mortgage markets; inflation or deflation; customer, investor, competitor, regulatory, and legislative responses to any or all of these conditions; demand for First Horizon’s product offerings; the actions of the Securities and Exchange Commission (SEC), the Financial Accounting Standards Board (FASB), the Tennessee Department of Financial Institutions (TDFI), the Board of Governors of the Federal Reserve System (Federal Reserve), the Federal Deposit Insurance Corporation (FDIC), the Financial Industry Regulatory Authority (FINRA), the U.S. Department of the Treasury (Treasury), the Municipal Securities Rulemaking Board (MSRB), the Consumer Financial Protection Bureau (CFPB), the Financial Stability Oversight Council (Council), the Public Company Accounting Oversight Board (PCAOB), and other regulators and agencies, including in connection with the regulatory approval process associated with the pending transaction, threatened, or possible future regulatory approvals, administrative, and judicial outcomes, actions, and proceedings; current or future Executive Orders; changes in laws and regulations applicable to First Horizon, SunTrust and BB&T; the possibility that the proposed transaction will not close when expected or at all because required regulatory approval are not received or other conditions to the closing are not satisfied on a timely basis or at all; the possibility that the anticipated benefits of the transaction will not be realized when expected or at all, including as a result of the impact of, or problems arising from the integration of customers or as a result of the strength of the economy and competitive factors in the areas where First Horizon, SunTrust and BB&T do business; 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’s attention from ongoing business operations and opportunities; potential adverse reactions or changes to business or employee relationships, including those resulting from the announcement or completion of the transaction; First Horizon’s, SunTrust and BB&T’s success in executing their business plans and strategies and managing the risks involved in the foregoing; and other factors that may affect future results of First Horizon, SunTrust and BB&T.

Additional factors that could cause results to differ materially from those contemplated by forward-looking statements can be found in First Horizon’s Annual Report on Form 10-K for the year ended December 31, 2018, in First Horizon’s subsequent Quarterly Reports on Form 10-Q, in First Horizon’s Current Report on Form 8-K dated November 8, 2019, in BB&T’s Annual Report on Form 10-K for the fiscal year ended December 31, 2018, in BB&T’s subsequent Quarterly Reports on Form 10-Q, in SunTrust’s Annual Report on Form 10-K for the fiscal year ended December 31, 2018 and in SunTrust’s subsequent Quarterly Reports on Form 10-Q, all of which have been or will be filed with the SEC. Documents filed with the SEC by First Horizon are available in the “Investor Relations” section of First Horizon’s website, http:// www.firsthorizon.com, under the heading “SEC Filings.” Documents filed with the SEC by SunTrust are available free of charge by accessing SunTrust’s website at http://suntrust.com/ under the tab “Investor Relations” and then under the heading “Financial Information” or, alternatively, by directing a request by telephone or mail to SunTrust Banks, Inc., 303 Peachtree Street, N.E., Atlanta, Georgia 30308, (877) 930-8971. Documents filed with the SEC by BB&T are available free of charge by accessing BB&T’s website at http://bbt.com/ under the tab “About BB&T” and then under the heading “Investor Relations” or, alternatively, by directing a request by telephone or mail to BB&T Corporation, 200 West Second Street, Winston-Salem, North Carolina, 27101, (336) 733-3065.

About First Horizon

First Horizon National Corp. (NYSE:FHN) provides financial services through First Horizon Bank, First Horizon Advisors, and FHN Financial businesses. The banking subsidiary was founded in 1864 and has the largest deposit market share in Tennessee. The company operates approximately 270 bank locations across the Southeast U.S. and 29 FHN Financial offices across the entire U.S. First Horizon Advisors wealth management group has more than 300 financial professionals and about $4.8 billion in assets under management. FHN Financial is a capital markets industry leader in fixed income sales, trading and strategies for institutional customers in the U.S. and abroad. The company is recognized as one of the nation’s best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. bank. More information is available at www.FirstHorizon.com.

About SunTrust Banks, Inc.

SunTrust Banks, Inc. (NYSE: STI) is a purpose-driven company dedicated to Lighting the Way to Financial Well-Being for the people, businesses, and communities it serves. SunTrust leads onUp, a national movement inspiring Americans to build financial confidence. Headquartered in Atlanta, the Company has two business segments: Consumer and Wholesale. Its flagship subsidiary, SunTrust Bank, operates an extensive branch and ATM network throughout the high-growth Southeast and Mid-Atlantic states, along with 24-hour digital access. Certain business lines serve consumer, commercial, corporate, and institutional clients nationally. As of September 30, 2019, SunTrust had total assets of $227 billion and total deposits of $168 billion. The Company provides deposit, credit, trust, investment, mortgage, asset management, securities brokerage, and capital market services. Learn more at suntrust.com.

About BB&T

BB&T is one of the largest financial services holding companies in the U.S. with $236.8 billion in assets and market capitalization of approximately $40.9 billion as of September 30, 2019. Building on a long tradition of excellence in community banking, BB&T offers a wide range of financial services including retail and commercial banking, investments, insurance, wealth management, asset management, mortgage, corporate banking, capital markets and specialized lending. Based in Winston-Salem, N.C., BB&T operates more than 1,700 financial centers in 15 states and Washington, D.C. and is consistently recognized for outstanding client service by Greenwich Associates for small business and middle market banking. More information about BB&T and its full line of products and services is available at BBT.com.

FHN-G

CONTACT:First Horizon Investor Relations, Aarti Bowman (901) 523-4017

First Horizon Corporate Communications, Silvia Alvarez (901) 523-4465

SunTrust Corporate Communications, Sue Mallino (404) 813-0463

BB&T Corporate Communications, Brian Davis (336) 733-2542

EX-99.2

First Horizon National Corporation First Horizon Strengthens and Expands Branch Network into Key Growth Markets: Acquiring 30 Branches & $2.4Bn of Deposits in the Southeast November 8, 2019

Acquisition of Southeast Branches from BB&T / SunTrust (1) Summary of Transaction Pro Forma Geographic Summary (2) ● On November 8, 2019, First Horizon announced an agreement to acquire 30 branches from SunTrust that WV VA KS MO are being divested in connection with the previously KY announced merger with BB&T NC TN OK o Acquisition includes 30 branches, approximately SC $2.4 billion of deposits and approximately $410 AR million of loans in North Carolina, Virginia and GA AL Georgia MS LA TX o 3.4% premium paid on total deposits (3) 0.54% average cost of deposits o FHN FL ● Strategically expands First Horizon’s presence within IBKC demographically attractive Southeast markets Acquired Branches o Adds $1.7 billion of deposits in North Carolina, Balance Sheet Summary improving pro forma market share Deposits by Market Loans by Type o #3 in Winston-Salem Georgia, 4% o #5 in Durham-Chapel Hill Durham- Commercial, 16% Chapel Hill, Mortgage, 67% Virginia, 26% NC, 46% Other o Provides stable platform for continued growth Consumer, within Virginia and Georgia markets 3% Home ● Financially-compelling transaction that is immediately Equity, accretive to EPS 14% Winston-Salem, o Excess liquidity to reduce wholesale funding NC, 24% ● Transaction is expected to close in Q1 2020 Total Deposits: ~$2.4 Billion Total Loans: ~$410 Million Cost of Deposits: 0.54% Yield on Loans: 4.63% 1. Note: Financial data as of June 30, 2019 2. Branch location information per S&P Market Intelligence 3. Premium paid is an amount equal to 3.4% of the average daily deposit balances for the 15 calendar days prior to the closing date 2

Disclaimer Forward-Looking Statement This presentation contains certain “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933, as amended (the “Securities Act”), and Section 21E of the Securities Exchange Act of 1934, as amended, (the “Exchange Act”) with respect to First Horizon’s and IBERIABANK’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 “believe,” “expect,” “anticipate,” “intend,” “estimate,” “should,” “is likely,” “will,” “going forward” and other expressions that indicate future events and trends identify forward-looking statements. 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 IBERIABANK, 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’s and IBERIABANK’s respective reports filed with the U.S. Securities and Exchange Commission (the “SEC”), 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 IBERIABANK; the outcome of any legal proceedings that may be instituted against First Horizon or IBERIABANK; 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; the risk that any announcements relating to the proposed combination could have adverse effects on the market price of the common stock of either or both parties to the combination; the possibility that the anticipated benefits of the transaction will not be realized when expected or at all, including as a result of the impact of, or problems arising from, the integration of the two companies or as a result of the strength of the economy and competitive factors in the areas where First Horizon and IBERIABANK do business; certain restrictions during the pendency of the merger that may impact the parties’ 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’s attention from ongoing business operations and opportunities; potential adverse reactions or changes to business or employee relationships, including those resulting from the announcement or completion of the transaction; First Horizon and IBERIABANK success in executing their respective business plans and strategies and managing the risks involved in the foregoing; the dilution caused by First Horizon’s issuance of additional shares of its capital stock in connection with the proposed transaction; and other factors that may affect future results of First Horizon and IBERIABANK. 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’s Annual Report on Form 10-K for the year ended December 31, 2018, and in its subsequent Quarterly Reports on Form 10-Q filed with the SEC and available in the “Investor Relations” section of First Horizon’s website, http://www.FirstHorizon.com, under the heading “SEC Filings” and in other documents First Horizon files with the SEC, and in IBERIABANK’s Annual Report on Form 10-K for the year ended December 31, 2018, and in its subsequent Quarterly Reports on Form 10-Q filed with the SEC and available in the “Investor Relations” section of IBERIABANK’s website, www.IBERIABANK.com, under the heading “Financials & Filings” and in other documents IBERIABANK files with the SEC. Important Other Information In connection with the proposed transaction, First Horizon will file with the SEC a registration statement on Form S-4 to register the shares of First Horizon’s capital stock to be issued in connection with the proposed transaction. The registration statement will include a joint proxy statement of First Horizon and IBERIABANK which will be sent to the shareholders of First Horizon and IBERIABANK seeking their approval of the proposed transaction. 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. INVESTORS AND SHAREHOLDERS OF FIRST HORIZON AND IBERIABANK ARE URGED TO READ, WHEN AVAILABLE, THE REGISTRATION STATEMENT ON FORM S-4, THE JOINT PROXY STATEMENT/PROSPECTUS TO BE INCLUDED WITHIN THE REGISTRATION STATEMENT ON FORM S-4 AND ANY OTHER RELEVANT DOCUMENTS FILED OR TO BE FILED WITH THE SEC IN CONNECTION WITH THE PROPOSED TRANSACTION, AS WELL AS ANY AMENDMENTS OR SUPPLEMENTS TO THOSE DOCUMENTS, BECAUSE THEY WILL CONTAIN IMPORTANT INFORMATION ABOUT FIRST HORIZON, IBERIABANK AND THE PROPOSED TRANSACTION. Investors and shareholders will be able to obtain a free copy of the registration statement, including the joint proxy statement/prospectus, as well as other relevant documents filed with the SEC containing information about First Horizon and IBERIABANK, without charge, at the SEC’s website (http://www.sec.gov). Copies of the registration statement, including the joint proxy statement/prospectus, and the filings with the SEC that will be incorporated by reference in the joint proxy statement/prospectus can also be obtained, without charge, by directing a request to Clyde A. Billings Jr., First Horizon, 165 Madison Avenue, Memphis, TN 38103, telephone (901) 523-5679, or Jefferson G. Parker, IBERIABANK, 200 West Congress Street, Lafayette, LA 70501, telephone (504) 310-7314. Participants in the Solicitation First Horizon, IBERIABANK and certain of their respective 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’s directors and executive officers is available in its definitive proxy statement, which was filed with the SEC on March 11, 2019, and certain of its Current Reports on Form 8-K. Information regarding IBERIABANK’s directors and executive officers is available in its definitive proxy statement, which was filed with SEC on March 28, 2019, 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 joint proxy statement/prospectus 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. 3

XML

Document and Entity Information Document	Nov. 08, 2019
Entity Information [Line Items]
Document Type	8-K
Document Period End Date	Nov. 08, 2019
Entity Registrant Name	First Horizon National Corporation
Entity Central Index Key	0000036966
Amendment Flag	false
Entity Incorporation, State or Country Code	TN
Entity File Number	001-15185
Entity Tax Identification Number	62-0803242
Entity Address, Address Line One	165 Madison Avenue
Entity Address, City or Town	Memphis,
Entity Address, State or Province	TN
Entity Address, Postal Zip Code	38103
City Area Code	901
Local Phone Number	523-4444
Written Communications	false
Soliciting Material	false
Pre-commencement Tender Offer	false
Pre-commencement Issuer Tender Offer	false
Entity Emerging Growth Company	false
Common Capital Stock
Entity Information [Line Items]
Title of 12(b) Security	$.625 Par Value Common Capital Stock
Trading Symbol	FHN
Security Exchange Name	NYSE
Series A Preferred Stock
Entity Information [Line Items]
Title of 12(b) Security	Depositary Shares, each representing a 1/4,000th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series A
Trading Symbol	FHN PR A
Security Exchange Name	NYSE