Exhibit 99.1

FOURTH QUARTER 2013

FINANCIAL SUPPLEMENT

If you need further information, please contact:

Aarti Bowman, Investor Relations

901-523-4017

aagoorha@firsthorizon.com

FHN TABLE OF CONTENTS

	Page
First Horizon National Corporation Segment Structure		3
Performance Highlights		4
Consolidated Results
Income Statement
Summary Results		6
Income Statement		7
Other Income and Other Expense		8
Balance Sheet
Period End Balance Sheet		9
Average Balance Sheet		10
Net Interest Income		11
Average Balance Sheet: Yields and Rates		12
Charges for Restructuring, Repositioning, & Efficiency Initiatives		13
Mortgage Servicing Rights		14
Business Segment Detail
Segment Highlights		15
Regional Banking		16
Capital Markets and Corporate		17
Non-Strategic		18
Capital Highlights		19
Asset Quality
Asset Quality: Consolidated		20
Asset Quality: Regional Banking and Corporate		22
Asset Quality: Non-Strategic		23
Rollforwards of Nonperforming Loans and ORE Inventory		24
Portfolio Metrics		25
Non-GAAP to GAAP Reconciliation		26
Glossary of Terms		27

Other Information

This financial supplement contains forward-looking statements involving significant risks and uncertainties. A number of important factors could cause actual results to differ materially from those in the forward-looking information. Those factors include general economic and financial market conditions, including expectations of and actual timing and amount of interest rate movements including the slope of the yield curve, competition, customer and investor responses to these conditions, ability to execute business plans, geopolitical developments, recent and future legislative and regulatory developments, natural disasters, and items mentioned in this financial supplement and in First Horizon National Corporation’s (“FHN”) most recent press release, as well as critical accounting estimates and other factors described in FHN’s recent filings with the SEC. FHN disclaims any obligation to update any such factors or to publicly announce the result of any revisions to any of the forward-looking statements included herein or therein to reflect future events or developments.

Use of Non-GAAP Measures

Certain ratios are included in this financial supplement that are non-GAAP, meaning they are not presented in accordance with generally accepted accounting principles (“GAAP”) in the U.S. FHN’s management believes such ratios are relevant to understanding the capital position and results of the Company. The non-GAAP ratios presented in this financial supplement are tangible common equity to tangible assets, tangible book value per common share, tier 1 common to risk weighted assets, adjusted tangible common equity to risk weighted assets, and net interest margin using net interest income adjusted for fully taxable equivalent (“FTE”). These ratios are reported to FHN’s management and Board of Directors through various internal reports. Additionally, disclosure of non-GAAP capital ratios provides a meaningful base for comparability to other financial institutions as demonstrated by their use by the various banking regulators in reviewing the capital adequacy of financial institutions. Non-GAAP measures are not formally defined by GAAP or codified in currently effective federal banking regulations, and other entities may use calculation methods that differ from those used by FHN. Tier 1 capital is a regulatory term and is generally defined as the sum of core capital (including common equity and instruments that can not be redeemed at the option of the holder) adjusted for certain items under risk based capital regulations. Also a regulatory term, risk weighted assets includes total assets adjusted for credit risk and is used to determine regulatory capital ratios. Refer to the tabular reconciliation of non-GAAP to GAAP measures and presentation of the most comparable GAAP items on page 26 of this financial supplement.

FIRST HORIZON NATIONAL CORPORATION SEGMENT STRUCTURE  

3

FHN PERFORMANCE HIGHLIGHTS

Consolidated Results for Fiscal Year 2013 vs. 2012

• Net income available to common shareholders was $23.5 million, or $.10 per diluted share in 2013, compared to a net loss of $27.8 million, or $.11 loss per diluted share in 2012

• Acquired substantially all of the assets and liabilities of Mountain National Bank (“MNB”) from the FDIC

• Reached an agreement with Fannie Mae resolving certain legacy representation and warranty repurchase obligations associated with loans originated from 2000 to 2008 excluding certain loans FHN no longer services

• Signed a definitive agreement to sell substantially all remaining legacy mortgage servicing; transfers of servicing began in fourth quarter

• Net interest income (“NII”) decreased 7 percent in 2013 to $637.4 million from $688.7 million; Net interest margin (“NIM”) decreased to 2.96 percent from 3.13 percent

• The decrease in NII is primarily attributable to run-off of the non-strategic loan portfolios, lower yielding fixed rate loans, and a lower yielding securities portfolio, somewhat mitigated by improved deposit pricing

• The decrease in NIM is driven by declining yields on the investment portfolio, lower yielding fixed rate loans, run-off of the non-strategic loan portfolios, and a decline in loans to mortgage companies, partially offset by lower rates on deposits

• Noninterest income (including securities gains) declined to $584.6 million in 2013 compared to $671.3 million in 2012 primarily due to lower fixed income sales revenue within capital markets and a decline in mortgage banking income

• Provision expense was $55.0 million in 2013 compared to $78.0 million in 2012; 2012 included approximately $30 million of provision associated with the implementation of regulatory guidance related to discharged bankruptcies

• Noninterest expense was $1.2 billion in 2013 compared to $1.4 billion in 2012

• Decrease primarily driven by declines in the mortgage repurchase provision, pension-related costs, capital markets variable compensation, and severance costs related to restructuring, repositioning, and efficiency initiatives

• These decreases were partially offset by an increase in legal and professional fees driven by litigation matters in 2013

• Average loans were $15.7 billion in 2013 compared to $16.2 billion in 2012; period-end loans decreased 8 percent to $15.4 billion

• Decline in the period-end loan portfolio driven by continued run-off within the non-strategic portfolios and declines in the regional bank

• Average core deposits were $15.8 billion in 2013 compared to $15.6 billion in 2012; period-end relatively flat at $16.2 billion

Fourth Quarter 2013 vs. Third Quarter 2013

Consolidated

• Net income available to common shareholders was $49.1 million, or $.21 per diluted share in fourth quarter, compared to a net loss of $107.5 million, or $.45 loss per diluted share in prior quarter

• NII decreased slightly in fourth quarter to $157.1 million from $158.8 million; NIM increased slightly to 2.98 percent from 2.97 percent in the prior quarter

• The decrease in NII is primarily attributable to a decline in average loans to mortgage companies and run-off of the non-strategic loan portfolios, partially offset by the effect of amortizing the valuation adjustment for acquired time deposits and declining rates on deposits

• The slight increase in NIM is driven by the effect of amortizing the valuation adjustment for acquired time deposits, lower rates on deposits, and higher yields on trading assets, which more than offset the negative impact of a decline in average loans to mortgage companies and an increase in average excess cash held at the Fed

• Noninterest income (including securities gains) was $135.0 million in fourth quarter compared to $150.5 million in third quarter

• The decrease was largely driven by decreases in fee income in fourth quarter within the non-strategic and capital markets segments

• Noninterest expense was $260.1 million in fourth quarter compared to $433.6 million in third quarter

• Decrease primarily driven by a decrease within the non-strategic segment to the mortgage repurchase provision partially offset by an increase in litigation expense

• Average loans were $15.3 billion in fourth quarter compared to $15.7 billion in third quarter; period-end loans were flat at $15.4 billion

• Decline in average loans primarily driven by a decrease in loans to mortgage companies and continued run-off within the non-strategic portfolios

• Average core deposits were $15.7 billion in fourth quarter compared to $16.0 billion in third quarter; period-end increased 3 percent to $16.2 billion

Regional Banking

• NII was $146.4 million in fourth quarter compared to $149.5 million in third quarter

• The decrease in NII is primarily attributable to lower average loan balances (primarily loans to mortgage companies)

• NIM decreased 1 basis point largely due to the continuing impact of low rates

• Period-end loans increased 1 percent, or $133.0 million to $12.2 billion in fourth quarter primarily driven by increases in specialty lending, somewhat mitigated by declines in retail loans

• Loan loss provision was $2.6 million in fourth quarter compared to $5.2 million in prior quarter

• Decline in provision was driven by the commercial portfolio due to aggregate improvement

• Noninterest income was $62.8 million in fourth quarter compared to $63.9 million in third quarter

• Noninterest expense increased to $139.1 million in fourth quarter from $131.9 million in the prior quarter

• Fourth quarter includes an increase in charges associated with branch closings and higher professional fees

Capital Markets

• Fixed income revenue decreased to $50.9 million in fourth quarter from $54.4 million in third quarter

• Fixed income average daily revenue (“ADR”) was $822 thousand in fourth quarter down 3 percent from third quarter

• Noninterest expense decreased to $53.2 million in fourth quarter from $58.0 million in third quarter

• The expense decrease was primarily due to a decline in variable compensation costs

4

FHN PERFORMANCE HIGHLIGHTS (continued)

Fourth Quarter 2013 vs. Third Quarter 2013

Corporate

• NII was negative $10.4 million in fourth quarter compared to negative $11.7 million in the prior quarter

• Estimated effective duration of the securities portfolio was 3.8 years in fourth and third quarters

• Estimated modified duration of the securities portfolio was 4.0 years in fourth quarter compared to 4.4 years in prior quarter

• Noninterest income increased to $7.8 million in fourth quarter from $6.6 million in third quarter

• Fourth quarter includes a net $2.2 million gain associated with cost method investments

• Increase partially offset by lower deferred compensation driven by market conditions; changes in deferred compensation income are mirrored by changes in deferred compensation expense

• Noninterest expense was $18.7 million in fourth quarter compared to $21.7 million in the prior quarter

• Reduction driven by a decrease in deferred compensation expense and lower restructuring charges in fourth quarter relative to the prior quarter

Non-Strategic

• NII decreased to $16.8 million in fourth quarter from $17.1 million in third quarter due to continued run-off of the loan portfolio

• Provision expense increased to $12.4 million in fourth quarter from $4.8 million in prior quarter

• The increase in fourth quarter provision was affected by reserve build in the home equity portfolio combined with a slower pace of reserve release in other portfolio segments

• Noninterest income was $4.9 million in fourth quarter compared to $15.9 million in third quarter

• Decrease primarily due to higher servicing income in third quarter reflecting the terms of the servicing sale agreement and decline in fourth quarter as servicing transfers began

• Noninterest expense was $49.1 million in fourth quarter compared to $222.0 million in the prior quarter

• Decrease primarily driven by a $200.0 million addition to the repurchase and foreclosure reserve in third quarter

• Fourth quarter includes $30.0 million of net loss accruals related to legal matters

Asset Quality

• Allowance as a percentage of loans ratio was relatively flat at 165 basis points in fourth quarter compared to166 basis points in prior quarter

• Total reserves decreased to $253.8 million from $255.7 million in third quarter

• The net decline in reserves was driven by a $5.3 million commercial reserve release, somewhat offset by $3.4 net million reserve increase in the consumer portfolio

• The commercial allowance reflects continued improvement in loss rates, grade migration, and asset quality metrics

• The consumer allowance increase was driven by a reserve build in the non-strategic consumer real estate portfolio

• Provision expense was $15.0 million in fourth quarter compared to $10.0 million in third quarter

• Net charge-offs (“NCOs”) were $16.9 million in fourth quarter compared to $16.2 million in prior quarter

• Annualized net charge-offs increased to 44 basis points of average loans from 41 basis points in prior quarter

• Nonperforming loans (“NPLs”) in the portfolio declined $33.0 million to $255.0 million driven by the C&I portfolio within the regional bank

• Nonperforming assets (“NPAs”), including loans held-for-sale, decreased to $435.0 million in fourth quarter from $482.0 million in prior quarter

• The decline in NPAs was largely driven by a drop in nonperforming portfolio loans in addition to a decline in nonperforming loans in held for sale and foreclosed assets

• Total 30+ delinquencies were $101.4 million in fourth quarter compared to $94.2 million in prior quarter

• The increase in 30+ delinquencies was largely driven by consumer real estate loans within the non-strategic segment

• Troubled debt restructurings (“TDRs”) were $562.1 million at the end of fourth quarter compared with $578.4 million in prior quarter

Taxes

• The effective tax rates for the quarter and year are negative reflecting permanent benefits from tax credit investments, life insurance, and tax exempt interest

• Fourth quarter tax expense was favorably affected by the pattern of quarterly earnings in 2013 and $8.2 million in discrete items

Capital and Liquidity

• Paid $0.05 per common share dividend on January 1, 2014

• No shares repurchased in fourth quarter under the $300 million share repurchase program

• Repurchased shares costing $262.7 million since the program’s inception in fourth quarter 2011

• Volume weighted average price for all share repurchases under the stock repurchase program of $9.24 per share (before $.02 per share broker commission)

• Paid preferred quarterly dividend of $1.6 million on January 10, 2014

• Capital ratios (regulatory capital ratios estimated based on period-end balances)

• 8.23 percent for tangible common equity to tangible assets

• 13.76 percent for Tier 1

• 16.11 percent for Total Capital

• 10.65 percent for Tier 1 Common

• 11.01 percent for Leverage

5

FHN CONSOLIDATED SUMMARY RESULTS

Quarterly, Unaudited

																4Q13 Changes vs.						Twelve months ended						2013 vs.
(Dollars in thousands, except per share data)	4Q13			3Q13			2Q13			1Q13			4Q12			3Q13			4Q12			2013			2012			2012
Income Statement Highlights
Net interest income	$	157,135		$	158,838		$	160,019		$	161,382		$	170,598			(1	)%		(8	)%	$	637,374		$	688,667			(7	)%
Noninterest income		132,860			150,571			142,983			156,403			151,143			(12	)%		(12	)%		582,817			670,636			(13	)%
Securities gains/(losses), net		2,183			(96	)		(351	)		24			(4,700	)		NM			NM			1,760			693			NM
Total revenue		292,178			309,313			302,651			317,809			317,041			(6	)%		(8	)%		1,221,951			1,359,996			(10	)%
Noninterest expense		260,097			433,556			227,408			240,540			271,361			(40	)%		(4	)%		1,161,601			1,383,701			(16	)%
Provision for loan losses		15,000			10,000			15,000			15,000			15,000			50	%		*			55,000			78,000			(29	)%
Income/(loss) before income taxes		17,081			(134,243	)		60,243			62,269			30,680			NM			(44	)%		5,350			(101,705	)		NM
Provision/(benefit) for income taxes		(36,555	)		(31,094	)		15,008			17,730			(12,914	)		(18	)%		NM			(34,911	)		(85,262	)		59	%
Income/(loss) from continuing operations		53,636			(103,149	)		45,235			44,539			43,594			NM			23	%		40,261			(16,443	)		NM
Income/(loss) from discontinued operations, net of tax		(6	)		123			1			430			(12	)		NM			50	%		548			148			NM
Net income/(loss)		53,630			(103,026	)		45,236			44,969			43,582			NM			23	%		40,809			(16,295	)		NM
Net income attributable to noncontrolling interest		2,934			2,875			2,843			2,813			2,901			2	%		1	%		11,465			11,464			*
Net income/(loss) attributable to controlling interest		50,696			(105,901	)		42,393			42,156			40,681			NM			25	%		29,344			(27,759	)		NM
Preferred stock dividends		1,550			1,550			1,550			1,188			—			*			NM			5,838			—			NM
Net income/(loss) available to common shareholders	$	49,146		$	(107,451	)	$	40,843		$	40,968		$	40,681			NM			21	%	$	23,506		$	(27,759	)		NM
Common Stock Data
Diluted EPS from continuing operations	$	0.21		$	(0.45	)	$	0.17		$	0.17		$	0.17			NM			24	%	$	0.10		$	(0.11	)		NM
Diluted EPS	$	0.21		$	(0.45	)	$	0.17		$	0.17		$	0.17			NM			24	%	$	0.10		$	(0.11	)		NM
Diluted shares (thousands)		236,753			236,895			240,891			242,799			246,132			*			(4	)%		239,794			248,349			(3	)%
Period-end shares outstanding (thousands)		236,370			236,328			240,555			241,225			243,598			*			(3	)%		236,370			243,598			(3	)%
Cash dividends declared per share	$	0.05		$	0.05		$	0.05		$	0.05		$	0.01			*			NM		$	0.20		$	0.04			NM
Balance Sheet Highlights (Period-End)
Total loans, net of unearned income (Restricted - $.1 billion) (a)	$	15,389,074		$	15,408,556		$	16,197,952		$	15,889,670		$	16,708,582			*			(8	)%
Total deposits		16,734,956			16,283,909			17,011,884			16,204,467			16,629,709			3	%		1	%
Total assets (Restricted - $.1 billion) (a) (b)		23,792,576			23,858,753			24,852,800			24,803,048			25,334,019			*			(6	)%
Total liabilities (Restricted - $.1 billion) (a) (b)		21,292,083			21,425,460			22,306,392			22,203,321			22,824,813			(1	)%		(7	)%
Total equity		2,500,493			2,433,293			2,546,408			2,599,727			2,509,206			3	%		*
Asset Quality Highlights
Allowance for loan losses (Restricted - $4.4 million) (a)	$	253,809		$	255,710		$	261,934		$	265,218		$	276,963			(1	)%		(8	)%
Allowance / period-end loans		1.65	%		1.66	%		1.62	%		1.67	%		1.66	%
Net charge-offs	$	16,901		$	16,224		$	18,284		$	26,745		$	19,781			4	%		(15	)%
Net charge-offs (annualized) / average loans		0.44	%		0.41	%		0.46	%		0.67	%		0.48	%
Non-performing assets (NPA) (c)	$	434,988		$	482,045		$	506,265		$	418,385		$	419,369			(10	)%		4	%
NPA % (c) (d)		1.95	%		2.19	%		2.25	%		1.81	%		1.84	%
Key Ratios & Other
Return on average assets (annualized) (e)		0.89	%		(1.69	)%		0.74	%		0.73	%		0.69	%
Return on average common equity (annualized) (f)		9.37	%		(20.39	)%		7.46	%		7.48	%		7.20	%
Net interest margin (g) (h)		2.98	%		2.97	%		2.96	%		2.95	%		3.09	%
Fee income to total revenue (i)		45.81	%		48.66	%		47.19	%		49.22	%		46.98	%
Efficiency ratio (j)		89.69	%		NM			75.05	%		75.69	%		84.34	%
Book value per common share (k)	$	8.92		$	8.64		$	8.96		$	9.16		$	9.09
Tangible book value per common share (h) (k)	$	8.23		$	7.95		$	8.28		$	8.51		$	8.44
Adjusted tangible common equity to risk weighted assets (h) (l)		10.31	%		9.69	%		9.69	%		9.91	%		9.93	%
Market capitalization (millions)	$	2,753.7		$	2,597.2		$	2,694.2		$	2,576.3		$	2,414.1
Full time equivalent employees		4,309			4,338			4,296			4,381			4,507

NM - Not meaningful

* Amount is less than one percent.

Certain previously reported amounts have been reclassified to agree with current presentation.

(a) Restricted balances parenthetically presented are as of December 31, 2013.

(b) Balances reflect the net presentation of certain capital markets receivables and payables. Prior periods have been revised for comparability.

(c) 2013 increase primarily relates to second liens placed on nonaccrual based on information received from a third party on the performance status of non-FHN serviced first liens and acquired foreclosed real estate from the MNB acquisition.

(d) NPAs related to the loan portfolio over period-end loans plus foreclosed real estate and other assets.

(e) Calculated using net income.

(f) Calculated using net income available to common shareholders.

(g) Net interest margin is computed using net interest income adjusted to a fully taxable equivalent (“FTE”) basis.

(h) Refer to the Non-GAAP to GAAP Reconciliation on page 26 of this financial supplement.

(i) Ratio excludes securities gains/(losses).

(j) Noninterest expense divided by total revenue excluding securities gains/(losses).

(k) 2Q13 decrease due to $40 million prepaid share repurchase agreement, shares were delivered in 3Q13.

(l) Current quarter is an estimate.

6

FHN CONSOLIDATED INCOME STATEMENT

Quarterly, Unaudited

															4Q13 Changes vs.						Twelve months ended						2013 vs.
(Thousands)	4Q13			3Q13			2Q13			1Q13		4Q12			3Q13			4Q12			2013			2012			2012
Interest income	$	179,053		$	182,610		$	183,991		$	186,399	$	196,199			(2	)%		(9	)%	$	732,053		$	798,953			(8	)%
Less: interest expense		21,918			23,772			23,972			25,017		25,601			(8	)%		(14	)%		94,679			110,286			(14	)%
Net interest income		157,135			158,838			160,019			161,382		170,598			(1	)%		(8	)%		637,374			688,667			(7	)%
Provision for loan losses		15,000			10,000			15,000			15,000		15,000			50	%		*			55,000			78,000			(29	)%
Net interest income after provision for loan losses		142,135			148,838			145,019			146,382		155,598			(5	)%		(9	)%		582,374			610,667			(5	)%
Noninterest income:
Capital markets (a) (b)		59,653			64,283			69,265			79,163		72,483			(7	)%		(18	)%		272,364			334,912			(19	)%
Deposit transactions and cash management		29,194			29,279			28,254			27,656		30,952			*			(6	)%		114,383			120,168			(5	)%
Brokerage, management fees and commissions		11,505			10,868			10,540			9,348		8,980			6	%		28	%		42,261			34,934			21	%
Mortgage banking (c)		3,853			14,460			5,589			9,373		8,287			(73	)%		(54	)%		33,275			51,890			(36	)%
Trust services and investment management		6,596			6,649			6,950			6,328		5,979			(1	)%		10	%		26,523			24,319			9	%
Bankcard income		4,998			5,303			5,299			4,882		5,766			(6	)%		(13	)%		20,482			22,384			(8	)%
Bank owned life insurance		3,636			3,560			3,946			5,472		5,081			2	%		(28	)%		16,614			18,805			(12	)%
Other service charges		3,144			3,707			3,503			3,086		3,167			(15	)%		(1	)%		13,440			12,935			4	%
Insurance commissions		960			733			730			600		804			31	%		19	%		3,023			3,148			(4	)%
Securities gains/(losses), net (d)		2,183			(96	)		(351	)		24		(4,700	)		NM			NM			1,760			693			NM
Gain/(loss) on divestiture		(4	)		115			—			—		—			NM			NM			111			200			(45	)%
Other (e)		9,325			11,614			8,907			10,495		9,644			(20	)%		(3	)%		40,341			46,941			(14	)%
Total noninterest income		135,043			150,475			142,632			156,427		146,443			(10	)%		(8	)%		584,577			671,329			(13	)%
Adjusted gross income after provision for loan losses		277,178			299,313			287,651			302,809		302,041			(7	)%		(8	)%		1,166,951			1,281,996			(9	)%
Noninterest expense:
Employee compensation, incentives, and benefits (f)		127,144			132,213			130,500			139,184		161,813			(4	)%		(21	)%		529,041			640,857			(17	)%
Repurchase and foreclosure provision		—			200,000			—			—		—			NM			NM			200,000			299,256			(33	)%
Legal and professional fees		15,419			12,704			14,065			11,171		11,971			21	%		29	%		53,359			38,750			38	%
Occupancy		12,811			13,147			11,785			12,822		12,363			(3	)%		4	%		50,565			49,027			3	%
Computer software		10,197			10,446			9,608			10,076		10,333			(2	)%		(1	)%		40,327			40,018			1	%
Contract employment and outsourcing		9,059			9,241			8,581			9,039		9,052			(2	)%		*			35,920			41,198			(13	)%
Operations services		9,104			9,199			8,842			8,070		8,123			(1	)%		12	%		35,215			35,429			(1	)%
Equipment rentals, depreciation, and maintenance		8,431			7,890			7,597			7,820		7,910			7	%		7	%		31,738			31,246			2	%
FDIC premium expense		4,477			4,631			5,037			6,011		7,299			(3	)%		(39	)%		20,156			27,968			(28	)%
Advertising and public relations		4,685			5,486			4,121			3,947		5,915			(15	)%		(21	)%		18,239			17,439			5	%
Communications and courier		4,473			4,517			4,531			4,437		4,613			(1	)%		(3	)%		17,958			18,318			(2	)%
Foreclosed real estate		1,050			523			1,287			1,439		1,995			NM			(47	)%		4,299			11,041			(61	)%
Amortization of intangible assets		1,128			928			928			928		979			22	%		15	%		3,912			3,910			*
Other (e)		52,119			22,631			20,526			25,596		28,995			NM			80	%		120,872			129,244			(6	)%
Total noninterest expense		260,097			433,556			227,408			240,540		271,361			(40	)%		(4	)%		1,161,601			1,383,701			(16	)%
Income/(loss) before income taxes		17,081			(134,243	)		60,243			62,269		30,680			NM			(44	)%		5,350			(101,705	)		NM
Provision/(benefit) for income taxes (g)		(36,555	)		(31,094	)		15,008			17,730		(12,914	)		(18	)%		NM			(34,911	)		(85,262	)		59	%
Income/(loss) from continuing operations		53,636			(103,149	)		45,235			44,539		43,594			NM			23	%		40,261			(16,443	)		NM
Income/(loss) from discontinued operations, net of tax		(6	)		123			1			430		(12	)		NM			50	%		548			148			NM
Net income/(loss)		53,630			(103,026	)		45,236			44,969		43,582			NM			23	%		40,809			(16,295	)		NM
Net income attributable to noncontrolling interest		2,934			2,875			2,843			2,813		2,901			2	%		1	%		11,465			11,464			*
Net income/(loss) attributable to controlling interest		50,696			(105,901	)		42,393			42,156		40,681			NM			25	%		29,344			(27,759	)		NM
Preferred stock dividends		1,550			1,550			1,550			1,188		—			*			NM			5,838			—			NM
Net income/(loss) available to common shareholders	$	49,146		$	(107,451	)	$	40,843		$	40,968	$	40,681			NM			21	%	$	23,506		$	(27,759	)		NM

NM - Not meaningful

* Amount is less than one percent.

Certain previously reported amounts have been reclassified to agree with current presentation.

(a) 4Q13 average daily revenue (“ADR”) was $822 thousand.

(b) 2Q13 and 1Q13 include a gain of $1.0 million and $2.4 million, respectively, from a LOCOM reversal associated with a TRUP loan payoff within the non-strategic segment.

(c) 3Q13 includes an increase in servicing income reflecting the terms of the agreement to sell servicing; 3Q13 also includes a $2.2 million negative adjustment made as a result of estimated costs for obligations associated with the agreement to sell servicing. 4Q13 down as servicing transfers began.

(d) 4Q13 includes a net $2.2 million gain on cost method investments; 4Q12 includes a $4.7 million negative valuation adjustment related to an equity investment.

(e) Refer to the Other Income and Other Expense table on page 8 for additional information.

(f) 3Q13 includes a positive $3.5 million adjustment resulting from revisions to an employee benefit plan.

(g) 4Q13 and 4Q12 include $8.3 million and $17.0 million, respectively, in tax benefits related to discrete period tax items.

7

FHN OTHER INCOME AND OTHER EXPENSE

Quarterly, Unaudited

												4Q13 Changes vs.						Twelve months ended				2013 vs.
(Thousands)	4Q13		3Q13		2Q13			1Q13		4Q12		3Q13			4Q12			2013		2012		2012
Other Income
ATM and interchange fees	$	2,721	$	2,680	$	2,627		$	2,384	$	2,724		2	%		*		$	10,412	$	10,528		(1	)%
Electronic banking fees		1,535		1,607		1,585			1,562		1,610		(4	)%		(5	)%		6,289		6,537		(4	)%
Letter of credit fees		1,215		1,171		1,196			1,499		1,192		4	%		2	%		5,081		5,158		(1	)%
Deferred compensation (a)		1,210		2,160		(278	)		1,593		396		(44	)%		NM			4,685		4,461		5	%
Other		2,644		3,996		3,777			3,457		3,722		(34	)%		(29	)%		13,874		20,257		(32	)%
Total	$	9,325	$	11,614	$	8,907		$	10,495	$	9,644		(20	)%		(3	)%	$	40,341	$	46,941		(14	)%
Other Expense
Litigation and regulatory matters	$	30,355	$	229	$	900		$	5,170	$	4,300		NM			NM		$	36,654	$	33,313		10	%
Other insurance and taxes		3,261		3,215		3,076			3,046		3,078		1	%		6	%		12,598		10,734		17	%
Tax credit investments		3,063		3,079		2,989			2,972		4,198		(1	)%		(27	)%		12,103		18,655		(35	)%
Travel and entertainment		2,339		2,400		2,372			1,848		2,058		(3	)%		14	%		8,959		8,366		7	%
Employee training and dues		1,327		1,244		1,229			1,254		1,171		7	%		13	%		5,054		4,525		12	%
Customer relations		1,179		1,204		1,255			1,278		1,348		(2	)%		(13	)%		4,916		4,578		7	%
Miscellaneous loan costs		701		1,349		1,163			996		924		(48	)%		(24	)%		4,209		4,126		2	%
Supplies		1,090		950		705			1,055		1,021		15	%		7	%		3,800		3,752		1	%
Other		8,804		8,961		6,837			7,977		10,897		(2	)%		(19	)%		32,579		41,195		(21	)%
Total	$	52,119	$	22,631	$	20,526		$	25,596	$	28,995		NM			80	%	$	120,872	$	129,244		(6	)%

NM - Not meaningful

* Amount is less than one percent.

Certain previously reported amounts have been reclassified to agree with current presentation.

(a) Amounts driven by market conditions and are mirrored by changes in deferred compensation expense which is included in employee compensation expense.

8

FHN CONSOLIDATED PERIOD-END BALANCE SHEET

Quarterly, Unaudited

																4Q13 Changes vs.
(Thousands)	4Q13			3Q13			2Q13			1Q13			4Q12			3Q13			4Q12
Assets:
Investment securities	$	3,398,457		$	3,186,943		$	3,228,379		$	3,190,219		$	3,061,808			7	%		11	%
Loans held-for-sale		370,152			371,640			385,105			390,874			401,937			*			(8	)%
Loans, net of unearned income (Restricted - $.1 billion) (a)		15,389,074			15,408,556			16,197,952			15,889,670			16,708,582			*			(8	)%
Federal funds sold		66,079			52,830			52,169			33,738			34,492			25	%		92	%
Securities purchased under agreements to resell		412,614			576,355			602,126			732,696			601,891			(28	)%		(31	)%
Interest-bearing cash (b)		730,297			184,179			344,150			431,182			353,373			NM			NM
Trading securities		801,718			1,343,134			1,267,348			1,397,746			1,262,720			(40	)%		(37	)%
Total earning assets		21,168,391			21,123,637			22,077,229			22,066,125			22,424,803			*			(6	)%
Cash and due from banks (Restricted - $1.2 million) (a)		349,216			395,631			382,601			275,262			469,879			(12	)%		(26	)%
Capital markets receivables (c)		45,255			83,154			151,660			169,927			117,772			(46	)%		(62	)%
Mortgage servicing rights, net (d)		72,793			116,686			113,853			109,102			114,311			(38	)%		(36	)%
Goodwill (e)		141,943			140,479			140,479			134,242			134,242			1	%		6	%
Other intangible assets, net		21,988			22,216			23,144			21,772			22,700			(1	)%		(3	)%
Premises and equipment, net		305,244			308,779			314,764			299,740			303,273			(1	)%		1	%
Real estate acquired by foreclosure (f)		71,562			71,626			69,901			54,672			60,690			*			18	%
Allowance for loan losses (Restricted - $4.4 million) (a)		(253,809	)		(255,710	)		(261,934	)		(265,218	)		(276,963	)		(1	)%		(8	)%
Derivative assets		181,866			215,116			235,759			274,332			292,472			(15	)%		(38	)%
Other assets (Restricted - $1.9 million) (a)		1,688,127			1,637,139			1,605,344			1,663,092			1,670,840			3	%		1	%
Total assets (Restricted - $.1 billion) (a)	$	23,792,576		$	23,858,753		$	24,852,800		$	24,803,048		$	25,334,019			*			(6	)%
Liabilities and Equity:
Deposits:
Savings	$	6,732,326		$	6,781,522		$	6,928,447		$	6,498,832		$	6,705,496			(1	)%		*
Other interest-bearing deposits		3,859,079			3,494,236			3,825,235			3,740,257			3,798,313			10	%		2	%
Time deposits		951,755			997,726			1,051,327			988,375			1,019,938			(5	)%		(7	)%
Total interest-bearing core deposits		11,543,160			11,273,484			11,805,009			11,227,464			11,523,747			2	%		*
Noninterest-bearing deposits		4,637,839			4,434,746			4,603,954			4,454,045			4,602,472			5	%		1	%
Total core deposits (g)		16,180,999			15,708,230			16,408,963			15,681,509			16,126,219			3	%		*
Certificates of deposit $100,000 and more		553,957			575,679			602,921			522,958			503,490			(4	)%		10	%
Total deposits		16,734,956			16,283,909			17,011,884			16,204,467			16,629,709			3	%		1	%
Federal funds purchased		1,042,633			1,062,901			1,142,749			1,361,670			1,351,023			(2	)%		(23	)%
Securities sold under agreements to repurchase		442,789			427,232			433,761			488,010			555,438			4	%		(20	)%
Trading liabilities		368,348			585,969			596,869			781,306			564,429			(37	)%		(35	)%
Other short-term borrowings		181,146			303,686			446,909			186,898			441,201			(40	)%		(59	)%
Term borrowings (Restricted - $.1 billion) (a) (h)		1,739,859			1,771,288			1,800,255			2,197,864			2,226,482			(2	)%		(22	)%
Capital markets payables (c)		21,173			53,784			90,231			97,954			110,329			(61	)%		(81	)%
Derivative liabilities		154,280			165,918			198,489			199,999			202,269			(7	)%		(24	)%
Other liabilities		606,899			770,773			585,245			685,153			743,933			(21	)%		(18	)%
Total liabilities (Restricted - $.1 billion) (a)		21,292,083			21,425,460			22,306,392			22,203,321			22,824,813			(1	)%		(7	)%
Equity:
Common stock (i)		147,731			147,705			150,347			150,766			152,249			*			(3	)%
Capital surplus (i) (j)		1,416,767			1,413,248			1,416,563			1,461,292			1,488,463			*			(5	)%
Undivided profits		694,949			657,676			777,108			748,427			719,672			6	%		(3	)%
Accumulated other comprehensive loss, net		(150,009	)		(176,391	)		(188,665	)		(151,639	)		(146,343	)		(15	)%		3	%
Preferred stock		95,624			95,624			95,624			95,624			—			*			NM
Noncontrolling interest (k)		295,431			295,431			295,431			295,257			295,165			*			*
Total equity		2,500,493			2,433,293			2,546,408			2,599,727			2,509,206			3	%		*
Total liabilities and equity	$	23,792,576		$	23,858,753		$	24,852,800		$	24,803,048		$	25,334,019			*			(6	)%

NM - Not meaningful

* Amount is less than one percent.

Certain previously reported amounts have been reclassified to agree with current presentation.

(a) Restricted balances parenthetically presented are as of December 31, 2013.

(b) Includes excess balances held at Fed.

(c) Balances reflect the net presentation of certain capital markets receivables and payables. Prior periods have been revised for comparability.

(d) Decrease in 4Q13 reflects transfers associated with an agreement to sell mortgage servicing rights entered into in 3Q13. Transfers will continue into 2014.

(e) 2Q13 increase driven by the MNB acquisition.

(f) 4Q13 includes $25.8 million of foreclosed assets related to government insured mortgages.

(g) 4Q13 average core deposits were $15.7 billion.

(h) In 2Q13 $350.0 million of subordinated notes matured.

(i) Decreases relate to shares purchased under the share repurchase program.

(j) 2Q13 decrease related to $40.0 million prepaid share repurchase agreement. The shares were delivered to FHN in 3Q13.

(k) Consists of preferred stock of subsidiary.

9

FHN CONSOLIDATED AVERAGE BALANCE SHEET

Quarterly, Unaudited

																4Q13 Changes vs.						Twelve months ended						2013 vs.
(Thousands)	4Q13			3Q13			2Q13			1Q13			4Q12			3Q13			4Q12			2013			2012			2012
Assets:
Earning assets:
Loans, net of unearned income:
Commercial, financial, and industrial (C&I)	$	7,694,029		$	7,888,297		$	8,121,219		$	8,199,249		$	8,330,961			(2	)%		(8	)%	$	7,972,875		$	7,994,102			*
Commercial real estate		1,164,748			1,215,586			1,134,268			1,161,467			1,237,774			(4	)%		(6	)%		1,170,618			1,307,001			(10	)%
Consumer real estate		5,400,751			5,502,825			5,561,689			5,644,275			5,757,724			(2	)%		(6	)%		5,526,386			5,829,089			(5	)%
Permanent mortgage		678,938			721,554			771,253			801,000			788,428			(6	)%		(14	)%		742,793			795,014			(7	)%
Credit card and other		334,887			323,551			304,561			291,221			288,412			4	%		16	%		313,702			280,197			12	%
Total loans, net of unearned income (Restricted - $.1 billion) (a) (b)		15,273,353			15,651,813			15,892,990			16,097,212			16,403,299			(2	)%		(7	)%		15,726,374			16,205,403			(3	)%
Loans held-for-sale		368,373			378,263			389,273			392,272			403,750			(3	)%		(9	)%		381,969			416,616			(8	)%
Investment securities:
U.S. treasuries		39,994			41,303			40,815			44,107			43,909			(3	)%		(9	)%		41,543			42,248			(2	)%
U.S. government agencies		2,959,355			2,900,838			2,924,012			2,818,958			2,774,175			2	%		7	%		2,901,175			2,862,848			1	%
States and municipalities		15,155			15,246			15,390			15,255			17,169			(1	)%		(12	)%		15,261			17,802			(14	)%
Other		229,728			224,213			218,701			216,860			222,058			2	%		3	%		222,416			222,569			*
Total investment securities		3,244,232			3,181,600			3,198,918			3,095,180			3,057,311			2	%		6	%		3,180,395			3,145,467			1	%
Capital markets securities inventory		1,159,570			1,156,262			1,310,044			1,308,969			1,250,423			*			(7	)%		1,233,090			1,261,086			(2	)%
Mortgage banking trading securities		12,712			15,558			16,398			17,486			18,844			(18	)%		(33	)%		15,526			21,885			(29	)%
Other earning assets:
Federal funds sold		19,471			28,498			26,698			24,173			24,701			(32	)%		(21	)%		24,708			22,704			9	%
Securities purchased under agreements to resell		581,798			593,978			705,129			754,630			586,258			(2	)%		(1	)%		658,232			586,191			12	%
Interest-bearing cash (c)		614,628			537,631			401,236			653,712			522,529			14	%		18	%		551,656			565,470			(2	)%
Total other earning assets		1,215,897			1,160,107			1,133,063			1,432,515			1,133,488			5	%		7	%		1,234,596			1,174,365			5	%
Total earnings assets (Restricted - $.1 billion) (a)		21,274,137			21,543,603			21,940,686			22,343,634			22,267,115			(1	)%		(4	)%		21,771,950			22,224,822			(2	)%
Allowance for loan losses (Restricted - $3.8 million) (a)		(250,074	)		(256,789	)		(260,944	)		(270,385	)		(306,583	)		(3	)%		(18	)%		(259,485	)		(331,198	)		(22	)%
Cash and due from banks (Restricted - $1.6 million) (a)		341,066			351,972			342,053			348,581			349,002			(3	)%		(2	)%		345,914			344,305			*
Capital markets receivables (d)		45,179			82,289			97,851			88,211			101,233			(45	)%		(55	)%		78,275			103,562			(24	)%
Premises and equipment, net		307,285			308,199			302,263			299,846			303,921			*			1	%		304,429			310,115			(2	)%
Derivative assets		201,609			209,878			257,181			286,243			317,076			(4	)%		(36	)%		238,417			335,268			(29	)%
Other assets (Restricted - $1.7 million) (a)		1,926,109			1,942,481			1,903,728			1,948,417			1,925,664			(1	)%		*			1,930,156			2,066,430			(7	)%
Total assets (Restricted - $.1 billion) (a)	$	23,845,311		$	24,181,633		$	24,582,818		$	25,044,547		$	24,957,428			(1	)%		(4	)%	$	24,409,656		$	25,053,304			(3	)%
Liabilities and equity:
Interest-bearing liabilities:
Interest-bearing deposits:
Savings	$	6,642,159		$	6,957,875		$	6,516,889		$	6,593,590		$	6,529,453			(5	)%		2	%	$	6,678,529		$	6,403,738			4	%
Other interest-bearing deposits		3,520,348			3,494,211			3,645,674			3,709,988			3,469,711			1	%		1	%		3,591,766			3,414,094			5	%
Time deposits		977,107			1,025,788			998,762			1,004,887			1,038,672			(5	)%		(6	)%		1,001,626			1,101,158			(9	)%
Total interest-bearing core deposits		11,139,614			11,477,874			11,161,325			11,308,465			11,037,836			(3	)%		1	%		11,271,921			10,918,990			3	%
Certificates of deposit $100,000 and more		580,760			594,536			542,244			516,785			514,543			(2	)%		13	%		558,855			604,883			(8	)%
Federal funds purchased		1,236,763			1,119,273			1,224,070			1,479,316			1,538,970			10	%		(20	)%		1,263,792			1,548,020			(18	)%
Securities sold under agreements to repurchase		446,894			452,940			480,960			572,666			457,493			(1	)%		(2	)%		487,923			380,871			28	%
Capital markets trading liabilities		567,531			598,195			718,309			779,409			597,402			(5	)%		(5	)%		665,095			589,461			13	%
Other short-term borrowings		219,593			243,195			525,493			209,376			272,578			(10	)%		(19	)%		299,288			450,690			(34	)%
Term borrowings (Restricted - $.1 billion) (a) (e)		1,764,476			1,792,250			2,007,372			2,221,297			2,254,445			(2	)%		(22	)%		1,944,675			2,326,753			(16	)%
Total interest-bearing liabilities		15,955,631			16,278,263			16,659,773			17,087,314			16,673,267			(2	)%		(4	)%		16,491,549			16,819,668			(2	)%
Noninterest-bearing deposits		4,559,023			4,542,127			4,493,440			4,441,411			4,770,935			*			(4	)%		4,509,413			4,688,093			(4	)%
Capital markets payables (d)		32,896			57,275			58,435			57,859			68,403			(43	)%		(52	)%		51,563			70,435			(27	)%
Derivative liabilities		159,575			161,611			184,192			194,892			211,598			(1	)%		(25	)%		174,934			227,765			(23	)%
Other liabilities		666,312			660,458			598,854			683,596			689,782			1	%		(3	)%		652,281			639,562			2	%
Total liabilities (Restricted - $.1 billion) (a)		21,373,437			21,699,734			21,994,694			22,465,072			22,413,985			(2	)%		(5	)%		21,879,740			22,445,523			(3	)%
Equity:
Common stock		147,724			149,000			150,468			151,613			153,691			(1	)%		(4	)%		149,688			156,298			(4	)%
Capital surplus		1,414,810			1,418,259			1,430,998			1,476,797			1,507,087			*			(6	)%		1,435,000			1,540,513			(7	)%
Undivided profits		691,958			715,451			771,953			742,070			705,835			(3	)%		(2	)%		730,181			736,826			(1	)%
Accumulated other comprehensive loss, net		(173,673	)		(191,866	)		(156,178	)		(150,093	)		(118,335	)		(9	)%		47	%		(168,083	)		(121,021	)		39	%
Preferred stock		95,624			95,624			95,624			63,831			—			*			NM			87,785			—			NM
Noncontrolling interest		295,431			295,431			295,259			295,257			295,165			*			*			295,345			295,165			*
Total equity		2,471,874			2,481,899			2,588,124			2,579,475			2,543,443			*			(3	)%		2,529,916			2,607,781			(3	)%
Total liabilities and equity	$	23,845,311		$	24,181,633		$	24,582,818		$	25,044,547		$	24,957,428			(1	)%		(4	)%	$	24,409,656		$	25,053,304			(3	)%

NM - Not meaningful

* Amount is less than one percent.

Certain previously reported amounts have been reclassified to agree with current presentation.

(a) Restricted balances parenthetically presented are quarterly averages as of December 31, 2013.

(b) Includes loans on nonaccrual status.

(c) Includes excess balances held at Fed.

(d) Balances reflect the net presentation of certain capital markets receivables and payables. Prior periods have been revised for comparability.

(e) In 2Q13 $350.0 million of subordinated notes matured.

10

FHN CONSOLIDATED NET INTEREST INCOME (a)

Quarterly, Unaudited

																4Q13 Changes vs.
(Thousands)	4Q13			3Q13			2Q13			1Q13			4Q12			3Q13			4Q12
Interest Income:
Loans, net of unearned income (b)	$	147,322		$	151,504		$	153,070		$	154,955		$	163,693			(3	)%		(10	)%
Loans held-for-sale		3,253			3,058			3,169			3,502			3,732			6	%		(13	)%
Investment securities:
U.S. treasuries		4			10			11			8			11			(60	)%		(64	)%
U.S. government agencies		19,020			18,537			18,321			18,507			19,536			3	%		(3	)%
States and municipalities		21			21			25			23			6			*			NM
Other		2,307			2,355			2,315			2,332			2,495			(2	)%		(8	)%
Total investment securities		21,352			20,923			20,672			20,870			22,048			2	%		(3	)%
Capital markets securities inventory		8,631			8,425			8,467			7,901			7,565			2	%		14	%
Mortgage banking trading securities		247			403			452			489			534			(39	)%		(54	)%
Other earning assets:
Federal funds sold		48			73			66			61			64			(34	)%		(25	)%
Securities purchased under agreements to resell (c)		(99	)		(171	)		(189	)		44			118			42	%		NM
Interest-bearing cash		343			289			197			364			287			19	%		20	%
Total other earning assets		292			191			74			469			469			53	%		(38	)%
Interest income	$	181,097		$	184,504		$	185,904		$	188,186		$	198,041			(2	)%		(9	)%
Interest Expense:
Interest-bearing deposits:
Savings	$	3,205		$	3,471		$	3,689		$	4,397		$	4,617			(8	)%		(31	)%
Other interest-bearing deposits		772			817			1,013			1,145			1,268			(6	)%		(39	)%
Time deposits		3,585			4,013			4,064			4,217			4,639			(11	)%		(23	)%
Total interest-bearing core deposits		7,562			8,301			8,766			9,759			10,524			(9	)%		(28	)%
Certificates of deposit $100,000 and more (d)		873			1,658			1,550			1,561			1,725			(47	)%		(49	)%
Federal funds purchased		791			716			777			932			985			10	%		(20	)%
Securities sold under agreements to repurchase		126			148			134			268			211			(15	)%		(40	)%
Capital markets trading liabilities		3,442			3,632			3,354			3,196			2,536			(5	)%		36	%
Other short-term borrowings		222			239			245			106			132			(7	)%		68	%
Term borrowings		8,902			9,078			9,146			9,195			9,488			(2	)%		(6	)%
Interest expense		21,918			23,772			23,972			25,017			25,601			(8	)%		(14	)%
Net interest income - tax equivalent basis		159,179			160,732			161,932			163,169			172,440			(1	)%		(8	)%
Fully taxable equivalent adjustment		(2,044	)		(1,894	)		(1,913	)		(1,787	)		(1,842	)		(8	)%		(11	)%
Net interest income	$	157,135		$	158,838		$	160,019		$	161,382		$	170,598			(1	)%		(8	)%

NM - Not meaningful

* Amount is less than one percent.

(a) Net interest income adjusted to a FTE basis.

(b) Includes loans on nonaccrual status.

(c) 4Q13, 3Q13 and 2Q13 driven by negative market rates on reverse repurchase agreements.

(d) 4Q13 includes the effect of amortizing the valuation adjustment for acquired time deposits related to the MNB acquisition.

11

FHN CONSOLIDATED AVERAGE BALANCE SHEET: YIELDS AND RATES

Quarterly, Unaudited

	4Q13			3Q13			2Q13			1Q13			4Q12
Assets:
Earning assets (a):
Loans, net of unearned income:
Commercial loans		3.66	%		3.69	%		3.68	%		3.70	%		3.83	%
Retail loans		4.07			4.06			4.12			4.16			4.18
Total loans, net of unearned income (b)		3.83			3.85			3.86			3.89			3.98
Loans held-for-sale		3.53			3.23			3.26			3.57			3.70
Investment securities:
U.S. treasuries		0.04			0.09			0.11			0.07			0.10
U.S. government agencies		2.57			2.56			2.51			2.63			2.82
States and municipalities		0.56			0.55			0.65			0.59			0.13
Other		4.02			4.20			4.23			4.30			4.49
Total investment securities		2.63			2.63			2.58			2.70			2.88
Capital markets securities inventory		2.98			2.91			2.59			2.41			2.42
Mortgage banking trading securities		7.79			10.36			11.02			11.19			11.34
Other earning assets:
Federal funds sold		0.98			1.01			0.99			1.02			1.02
Securities purchased under agreements to resell (c)		(0.07	)		(0.11	)		(0.11	)		0.02			0.08
Interest-bearing cash		0.22			0.21			0.20			0.23			0.22
Total other earning assets		0.10			0.07			0.03			0.13			0.16
Interest income/total earning assets		3.39	%		3.41	%		3.40	%		3.40	%		3.55	%
Liabilities:
Interest-bearing liabilities:
Interest-bearing deposits:
Savings		0.19	%		0.20	%		0.23	%		0.27	%		0.28	%
Other interest-bearing deposits		0.09			0.09			0.11			0.13			0.15
Time deposits		1.46			1.55			1.63			1.70			1.78
Total interest-bearing core deposits		0.27			0.29			0.32			0.35			0.38
Certificates of deposit $100,000 and more (d)		0.60			1.11			1.15			1.23			1.33
Federal funds purchased		0.25			0.25			0.25			0.26			0.25
Securities sold under agreements to repurchase		0.11			0.13			0.11			0.19			0.18
Capital markets trading liabilities		2.41			2.41			1.87			1.66			1.69
Other short-term borrowings		0.40			0.39			0.19			0.21			0.19
Term borrowings (e)		2.02			2.03			1.82			1.66			1.69
Interest expense/total interest-bearing liabilities		0.55			0.58			0.58			0.59			0.61
Net interest spread		2.84	%		2.83	%		2.82	%		2.81	%		2.94	%
Effect of interest-free sources used to fund earning assets		0.14			0.14			0.14			0.14			0.15
Net interest margin		2.98	%		2.97	%		2.96	%		2.95	%		3.09	%

Yields are adjusted to a FTE basis. Refer to the Non-GAAP to GAAP Reconciliation on page 26 for reconciliation of net interest income (GAAP) to net interest income adjusted for impact of FTE (non-GAAP).

(a) Earning assets yields are expressed net of unearned income.

(b) Includes loans on nonaccrual status.

(c) 4Q13, 3Q13 and 2Q13 driven by negative market rates on reverse repurchase agreements.

(d) 4Q13 rate includes the effect of amortizing the valuation adjustment for acquired time deposits related to the MNB acquisition.

(e) Rates are expressed net of unamortized debenture cost for term borrowings.

12

FHN CHARGES FOR RESTRUCTURING, REPOSITIONING, & EFFICIENCY INITIATIVES

Quarterly, Unaudited

(Thousands)	4Q13			3Q13			2Q13			1Q13			4Q12
By Income Statement Impact
Noninterest income
Mortgage banking (a)	$	—		$	(2,192	)	$	—		$	—		$	(348	)
Gain/(loss) on divestiture		(4	)		115			—			—			—
Noninterest expense
Employee compensation, incentives, and benefits (b)		1,071			1,160			641			819			18,128
Occupancy		(285	)		38			(60	)		438			180
All other expense		16			369			—			—			17
Total loss before income taxes		(806	)		(3,644	)		(581	)		(1,257	)		(18,673	)
Income from discontinued operations (c)		—			250			—			735			—
Net impact resulting from restructuring, repositioning, and efficiency initiatives	$	(806	)	$	(3,394	)	$	(581	)	$	(522	)	$	(18,673	)

(a) 3Q13 reflects estimated costs for obligations associated with the agreement to sell servicing; 4Q12 reflects adjustment due to contingencies associated with prior mortgage servicing sales.

(b) 1Q13 and 4Q12 includes severance associated with an employee separation program.

(c) Includes amounts related to Msaver, First Horizon Insurance, and Highland Capital.

13

FHN MORTGAGE SERVICING RIGHTS

Quarterly, Unaudited

																4Q13 Changes vs.
(Thousands)	4Q13			3Q13			2Q13			1Q13			4Q12			3Q13			4Q12
First Liens
Fair value beginning balance	$	114,017		$	111,076		$	106,191		$	111,314		$	117,440
Reductions due to sale of MSRs		(39,633	)		—			—			—			—
Reductions due to loan payments		(3,958	)		(5,989	)		(5,617	)		(5,374	)		(5,592	)
Reductions due to exercise of cleanup calls		—			—			—			(495	)		—
Changes in fair value due to:
Changes in valuation model inputs or assumptions (a) (b)		(83	)		8,937			10,496			834			(569	)
Other changes in fair value		(2	)		(7	)		6			(88	)		35
Fair value ending balance	$	70,341		$	114,017		$	111,076		$	106,191		$	111,314			(38	)%		(37	)%
Second Liens
Fair value beginning balance	$	166		$	172		$	193		$	196		$	205
Reductions due to loan payments		(5	)		(6	)		(21	)		(48	)		(9	)
Changes in fair value due to:
Other changes in fair value		—			—			—			45			—
Fair value ending balance	$	161		$	166		$	172		$	193		$	196			(3	)%		(18	)%
HELOC
Fair value beginning balance	$	2,503		$	2,605		$	2,718		$	2,801		$	2,892
Reductions due to loan payments		(212	)		(104	)		(113	)		(125	)		(91	)
Changes in fair value due to:
Other changes in fair value		—			2			—			42			—
Fair value ending balance	$	2,291		$	2,503		$	2,605		$	2,718		$	2,801			(8	)%		(18	)%
Total Consolidated
Fair value beginning balance	$	116,686		$	113,853		$	109,102		$	114,311		$	120,537
Reductions due to sale of MSRs		(39,633	)		—			—			—			—
Reductions due to loan payments		(4,175	)		(6,099	)		(5,751	)		(5,547	)		(5,692	)
Reductions due to exercise of cleanup calls		—			—			—			(495	)		—
Changes in fair value due to:
Changes in valuation model inputs or assumptions (a) (b)		(83	)		8,937			10,496			834			(569	)
Other changes in fair value		(2	)		(5	)		6			(1	)		35
Fair value ending balance	$	72,793		$	116,686		$	113,853		$	109,102		$	114,311			(38	)%		(36	)%

(a) Principally reflects changes in discount rates and prepayment speed assumptions, mostly due to changes in interest rates.

(b) In 3Q13, FHN agreed to sell substantially all its remaining legacy mortgage servicing. FHN used the price in the definitive agreement, as adjusted for the portion of pricing that was not specific to MSR and excess interest, as a third-party pricing source in the valuation of these assets.

14

FHN BUSINESS SEGMENT HIGHLIGHTS

Quarterly, Unaudited

																4Q13 Changes vs.						Twelve Months Ended						2013 vs.
(Thousands)	4Q13			3Q13			2Q13			1Q13			4Q12			3Q13			4Q12			2013			2012			2012
Regional Banking
Net interest income	$	146,430		$	149,547		$	148,222		$	147,125		$	154,927			(2	)%		(5	)%	$	591,324		$	605,495			(2	)%
Noninterest income		62,807			63,883			61,885			59,144			64,097			(2	)%		(2	)%		247,719			253,455			(2	)%
Total revenues		209,237			213,430			210,107			206,269			219,024			(2	)%		(4	)%		839,043			858,950			(2	)%
Provision/(provision credit) for loan losses		2,585			5,159			13,201			(2,485	)		(1,231	)		(50	)%		NM			18,460			(918	)		NM
Noninterest expense		139,084			131,851			129,515			130,937			144,031			5	%		(3	)%		531,387			569,511			(7	)%
Income before income taxes		67,568			76,420			67,391			77,817			76,224			(12	)%		(11	)%		289,196			290,357			*
Provision for income taxes		24,088			27,598			24,173			28,276			27,700			(13	)%		(13	)%		104,135			105,514			(1	)%
Net income	$	43,480		$	48,822		$	43,218		$	49,541		$	48,524			(11	)%		(10	)%	$	185,061		$	184,843			*
Capital Markets
Net interest income	$	4,299		$	3,807		$	4,094		$	3,965		$	4,348			13	%		(1	)%	$	16,165		$	20,735			(22	)%
Noninterest income		59,509			64,115			68,199			76,612			72,432			(7	)%		(18	)%		268,435			334,992			(20	)%
Total revenues		63,808			67,922			72,293			80,577			76,780			(6	)%		(17	)%		284,600			355,727			(20	)%
Noninterest expense		53,213			58,034			59,926			61,666			57,541			(8	)%		(8	)%		232,839			263,385			(12	)%
Income before income taxes		10,595			9,888			12,367			18,911			19,239			7	%		(45	)%		51,761			92,342			(44	)%
Provision for income taxes		3,949			3,723			4,610			7,169			7,221			6	%		(45	)%		19,451			34,890			(44	)%
Net income	$	6,646		$	6,165		$	7,757		$	11,742		$	12,018			8	%		(45	)%	$	32,310		$	57,452			(44	)%
Corporate
Net interest income/(expense)	$	(10,411	)	$	(11,653	)	$	(11,180	)	$	(10,058	)	$	(10,128	)		11	%		(3	)%	$	(43,302	)	$	(31,556	)		(37	)%
Noninterest income		7,830			6,558			3,811			7,855			5,992			19	%		31	%		26,054			26,949			(3	)%
Total revenues		(2,581	)		(5,095	)		(7,369	)		(2,203	)		(4,136	)		49	%		38	%		(17,248	)		(4,607	)		NM
Provision/(provision credit) for loan losses		—			—			—			—			4			NM			NM			—			20			NM
Noninterest expense (a)		18,721			21,685			17,095			17,570			36,109			(14	)%		(48	)%		75,071			99,167			(24	)%
Loss before income taxes		(21,302	)		(26,780	)		(24,464	)		(19,773	)		(40,249	)		20	%		47	%		(92,319	)		(103,794	)		11	%
Benefit for income taxes		(20,572	)		(16,571	)		(15,679	)		(12,065	)		(38,389	)		(24	)%		46	%		(64,887	)		(79,131	)		18	%
Net loss	$	(730	)	$	(10,209	)	$	(8,785	)	$	(7,708	)	$	(1,860	)		93	%		61	%	$	(27,432	)	$	(24,663	)		(11	)%
Non-Strategic
Net interest income	$	16,817		$	17,137		$	18,883		$	20,350		$	21,451			(2	)%		(22	)%	$	73,187		$	93,993			(22	)%
Noninterest income		4,897			15,919			8,737			12,816			3,922			(69	)%		25	%		42,369			55,933			(24	)%
Total revenues		21,714			33,056			27,620			33,166			25,373			(34	)%		(14	)%		115,556			149,926			(23	)%
Provision for loan losses		12,415			4,841			1,799			17,485			16,227			NM			(23	)%		36,540			78,898			(54	)%
Noninterest expense		49,079			221,986			20,872			30,367			33,680			(78	)%		46	%		322,304			451,638			(29	)%
Income/(loss) before income taxes		(39,780	)		(193,771	)		4,949			(14,686	)		(24,534	)		79	%		(62	)%		(243,288	)		(380,610	)		36	%
Provision/(benefit) for income taxes		(44,020	)		(45,844	)		1,904			(5,650	)		(9,446	)		4	%		NM			(93,610	)		(146,535	)		36	%
Income/(loss) from continuing operations		4,240			(147,927	)		3,045			(9,036	)		(15,088	)		NM			NM			(149,678	)		(234,075	)		36	%
Income/(loss) from discontinued operations, net of tax		(6	)		123			1			430			(12	)		NM			50	%		548			148			NM
Net income/(loss)	$	4,234		$	(147,804	)	$	3,046		$	(8,606	)	$	(15,100	)		NM			NM	%	$	(149,130	)	$	(233,927	)		36	%
Total Consolidated
Net interest income	$	157,135		$	158,838		$	160,019		$	161,382		$	170,598			(1	)%		(8	)%	$	637,374		$	688,667			(7	)%
Noninterest income		135,043			150,475			142,632			156,427			146,443			(10	)%		(8	)%		584,577			671,329			(13	)%
Total revenues		292,178			309,313			302,651			317,809			317,041			(6	)%		(8	)%		1,221,951			1,359,996			(10	)%
Provision for loan losses		15,000			10,000			15,000			15,000			15,000			50	%		*			55,000			78,000			(29	)%
Noninterest expense		260,097			433,556			227,408			240,540			271,361			(40	)%		(4	)%		1,161,601			1,383,701			(16	)%
Income/(loss) before income taxes		17,081			(134,243	)		60,243			62,269			30,680			NM			(44	)%		5,350			(101,705	)		NM
Provision/(benefit) for income taxes		(36,555	)		(31,094	)		15,008			17,730			(12,914	)		(18	)%		NM			(34,911	)		(85,262	)		59	%
Income/(loss) from continuing operations		53,636			(103,149	)		45,235			44,539			43,594			NM			23	%		40,261			(16,443	)		NM
Income/(loss) from discontinued operations, net of tax		(6	)		123			1			430			(12	)		NM			50	%		548			148			NM
Net income/(loss)	$	53,630		$	(103,026	)	$	45,236		$	44,969		$	43,582			NM			23	%	$	40,809		$	(16,295	)		NM

NM - Not meaningful

* Amount is less than one percent.

Certain previously reported amounts have been reclassified to agree with current presentation.

(a) 4Q12 includes $18.3 million related to Restructuring, Repositioning, and Efficiency initiatives, primarily severance related costs associated with an employee separation program.

15

FHN REGIONAL BANKING

Quarterly, Unaudited

																4Q13 Changes vs.
	4Q13			3Q13			2Q13			1Q13			4Q12			3Q13			4Q12
Income Statement (thousands)
Net interest income	$	146,430		$	149,547		$	148,222		$	147,125		$	154,927			(2	)%		(5	)%
Provision/(provision credit) for loan losses		2,585			5,159			13,201			(2,485	)		(1,231	)		(50	)%		NM
Noninterest income:
NSF / Overdraft fees (a)		11,411			11,660			10,250			10,031			13,586			(2	)%		(16	)%
Cash management fees		9,063			8,760			9,133			9,330			9,092			3	%		*
Debit card income		2,739			2,782			2,695			2,534			2,437			(2	)%		12	%
Other		5,112			5,126			5,183			4,909			4,912			*			4	%
Total deposit transactions and cash management		28,325			28,328			27,261			26,804			30,027			*			(6	)%
Brokerage, management fees and commissions		11,505			10,868			10,540			9,348			8,979			6	%		28	%
Trust services and investment management		6,612			6,665			6,966			6,343			5,995			(1	)%		10	%
Bankcard income		4,815			5,089			5,054			4,691			5,578			(5	)%		(14	)%
Other service charges		2,873			3,451			3,255			2,873			2,951			(17	)%		(3	)%
Miscellaneous revenue		8,677			9,482			8,809			9,085			10,567			(8	)%		(18	)%
Total noninterest income		62,807			63,883			61,885			59,144			64,097			(2	)%		(2	)%
Noninterest expense:
Employee compensation, incentives, and benefits		50,921			51,656			50,438			50,386			50,792			(1	)%		*
Other (b)		88,163			80,195			79,077			80,551			93,239			10	%		(5	)%
Total noninterest expense		139,084			131,851			129,515			130,937			144,031			5	%		(3	)%
Income before income taxes	$	67,568		$	76,420		$	67,391		$	77,817		$	76,224			(12	)%		(11	)%
Efficiency ratio (c)		66.47	%		61.78	%		61.64	%		63.48	%		65.76	%
Balance Sheet (millions)
Average loans	$	11,972		$	12,184		$	12,225		$	12,237		$	12,397			(2	)%		(3	)%
Average other earning assets		43			54			53			53			58			(20	)%		(26	)%
Total average earning assets		12,015			12,238			12,278			12,290			12,455			(2	)%		(4	)%
Average core deposits		14,466			14,484			14,624			14,560			14,445			*			*
Average other deposits		581			595			542			517			515			(2	)%		13	%
Total average deposits		15,047			15,079			15,166			15,077			14,960			*			1	%
Total period-end deposits		15,480			14,862			15,562			15,225			15,142			4	%		2	%
Total period-end assets		13,019			12,908			13,495			12,844			13,754			1	%		(5	)%
Net interest margin (d)		4.90	%		4.91	%		4.90	%		4.90	%		5.00	%
Net interest spread		3.50			3.49			3.46			3.46			3.53
Loan yield		3.71			3.74			3.72			3.75			3.83
Deposit average yield		0.21			0.25			0.26			0.29			0.30
Key Statistics
Financial center locations		172			182			183			171			171			(5	)%		1	%

* Amount is less than one percent.

Certain previously reported amounts have been reclassified to agree with current presentation.

(a) 1Q13 decline primarily attributable to seasonality in NSF fees.

(b) 1Q13 decrease largely attributable to a decline in allocated Pension expense resulting from the freeze of the pension plans on December 31, 2012.

(c) Noninterest expense divided by total revenue.

(d) Net interest margin is computed using total net interest income adjusted for FTE. Refer to the Non-GAAP to GAAP Reconciliation on page 26 of this supplement.

16

FHN CAPITAL MARKETS

Quarterly, Unaudited

																4Q13 Changes vs.
	4Q13			3Q13			2Q13			1Q13			4Q12			3Q13			4Q12
Income Statement (thousands)
Net interest income	$	4,299		$	3,807		$	4,094		$	3,965		$	4,348			13	%		(1	)%
Noninterest income:
Fixed income		50,937			54,428			58,535			67,953			65,560			(6	)%		(22	)%
Other		8,572			9,687			9,664			8,659			6,872			(12	)%		25	%
Total noninterest income		59,509			64,115			68,199			76,612			72,432			(7	)%		(18	)%
Noninterest expense		53,213			58,034			59,926			61,666			57,541			(8	)%		(8	)%
Income before income taxes	$	10,595		$	9,888		$	12,367		$	18,911		$	19,239			7	%		(45	)%
Efficiency ratio (a)		83.40	%		85.44	%		82.89	%		76.53	%		74.94	%
Fixed income average daily revenue	$	822		$	850		$	915		$	1,133		$	1,093			(3	)%		(25	)%
Balance Sheet (millions)
Average trading inventory	$	1,160		$	1,156		$	1,310		$	1,309		$	1,250			*			(7	)%
Average other earning assets		588			604			714			770			618			(3	)%		(5	)%
Total average earning assets		1,748			1,760			2,024			2,079			1,868			(1	)%		(6	)%
Total period-end assets (b)		1,511			2,275			2,299			2,593			2,280			(34	)%		(34	)%
Net interest margin (c)		1.02	%		0.89	%		0.84	%		0.78	%		0.97	%

* Amount is less than one percent.

Certain previously reported amounts have been reclassified to agree with current presentation.

(a) Noninterest expense divided by total revenue.

(b) Balances reflect the net presentation of certain capital markets receivables and payables. Prior periods have been revised for comparability.

(c) Net interest margin is computed using total net interest income adjusted for FTE. Refer to the Non-GAAP to GAAP Reconciliation on page 26 of this supplement.

FHN CORPORATE

Quarterly, Unaudited

																4Q13 Changes vs.
	4Q13			3Q13			2Q13			1Q13			4Q12			3Q13			4Q12
Income Statement (thousands)
Net interest income/ (expense)	$	(10,411	)	$	(11,653	)	$	(11,180	)	$	(10,058	)	$	(10,128	)		11	%		(3	)%
Noninterest income excluding securities gains/ (losses)		5,648			6,690			4,174			7,825			5,992			(16	)%		(6	)%
Securities gains/ (losses), net		2,182			(132	)		(363	)		30			—			NM			NM
Provision/(provision credit) for loan losses		—			—			—			—			4			NM			NM
Noninterest expense (a)		18,721			21,685			17,095			17,570			36,109			(14	)%		(48	)%
Loss before income taxes	$	(21,302	)	$	(26,780	)	$	(24,464	)	$	(19,773	)	$	(40,249	)		20	%		47	%
Average Balance Sheet (millions)
Average loans	$	182		$	196		$	217		$	226		$	189			(7	)%		(4	)%
Total earning assets	$	4,026		$	3,900		$	3,802		$	3,959		$	3,751			3	%		7	%
Net interest margin (b)		(1.00	)%		(1.16	)%		(1.19	)%		(1.07	)%		(1.06	)%

NM - Not meaningful

Certain previously reported amounts have been reclassified to agree with current presentation.

(a) 4Q12 includes $18.3 million related to Restructuring, Repositioning, and Efficiency initiatives, primarily severance related cost associated with an employee separation program.

(b) Net interest margin is computed using total net interest income adjusted for FTE. Refer to the Non-GAAP Reconciliation on page 26 of this supplement.

17

FHN NON-STRATEGIC

Quarterly, Unaudited

																4Q13 Changes vs.
	4Q13			3Q13			2Q13			1Q13			4Q12			3Q13			4Q12
Income Statement (thousands)
Net interest income	$	16,817		$	17,137		$	18,883		$	20,350		$	21,451			(2	)%		(22	)%
Noninterest income excluding securities gains/ (losses) (a)		4,897			15,919			8,733			12,822			8,622			(69	)%		(43	)%
Securities gains/(losses), net (b)		—			—			4			(6	)		(4,700	)		NM			NM
Noninterest expense:
Repurchase and foreclosure provision		—			200,000			—			—			—			NM			NM
Other expenses		49,079			21,986			20,872			30,367			33,680			NM			46	%
Total noninterest expense		49,079			221,986			20,872			30,367			33,680			(78	)%		46	%
Provision for loan losses		12,415			4,841			1,799			17,485			16,227			NM			(23	)%
Income/(loss) before income taxes	$	(39,780	)	$	(193,771	)	$	4,949		$	(14,686	)	$	(24,534	)		79	%		(62	)%
Average Balance Sheet (millions)
Loans	$	3,119		$	3,272		$	3,451		$	3,634		$	3,817			(5	)%		(18	)%
Loans held-for-sale		343			349			360			354			344			(2	)%		*
Trading securities		13			16			16			17			19			(19	)%		(32	)%
Other assets		343			350			340			370			384			(2	)%		(11	)%
Total assets		3,818			3,987			4,167			4,375			4,564			(4	)%		(16	)%
Net interest margin (c)		1.93	%		1.88	%		1.97	%		2.04	%		2.04	%
Efficiency ratio (d)		NM			NM			75.58	%		91.54	%		111.99	%
Mortgage Warehouse - Period-end (millions)
Ending warehouse balance (loans held-for-sale)	$	336		$	346		$	358		$	362		$	353			(3	)%		(5	)%
Ending servicing portfolio (millions) (e) (f)	$	9,943		$	15,033		$	16,025		$	17,055		$	18,071			(34	)%		(45	)%

NM - Not meaningful

* Amount is less than one percent.

Certain previously reported amounts have been reclassified to agree with current presentation.

(a) 3Q13 increase reflects the effect of the terms of the agreement to sell servicing, somewhat offset by a $2.2 million negative adjustment made as a result of estimated costs for obligations associated with the agreement to sell servicing; 2Q13 and 1Q13 include a gain of $1.0 million and $2.4 million, respectively, from a LOCOM reversal associated with a TRUP loan payoff.

(b) 4Q12 includes a $4.7 million negative valuation adjustment related to an equity investment.

(c) Net interest margin is computed using total net interest income adjusted for FTE. Refer to the Non-GAAP to GAAP Reconciliation on page 26 of this supplement.

(d) Noninterest expense divided by total revenue excluding securities gains/(losses).

(e) Includes mortgage loans serviced from FHN’s legacy mortgage banking business, legacy equity lending serviced for others, and mortgage loans in portfolio and warehouse.

(f) In 3Q13 FHN signed a definitive agreement to sell substantially all remaining legacy mortgage servicing; transfers of servicing began in fourth quarter.

18

FHN CAPITAL HIGHLIGHTS

Quarterly, Unaudited

																4Q13 Changes vs.
(Thousands)	4Q13			3Q13			2Q13			1Q13			4Q12			3Q13			4Q12
Tier 1 capital (a) (b)	$	2,611,342		$	2,555,141		$	2,712,399		$	2,738,558		$	2,640,776			2	%		(1	)%
Tier 2 capital (a)		445,799			449,578			464,244			511,340			571,232			(1	)%		(22	)%
Total capital (a) (b)	$	3,057,141		$	3,004,719		$	3,176,643		$	3,249,898		$	3,212,008			2	%		(5	)%
Risk weighted assets (“RWA”) (a)	$	18,971,300		$	19,275,526		$	20,460,353		$	20,231,850		$	20,153,430			(2	)%		(6	)%
Tier 1 ratio (a)		13.76	%		13.26	%		13.26	%		13.54	%		13.10	%
Tier 2 ratio (a)		2.35	%		2.33	%		2.27	%		2.52	%		2.84	%
Total capital ratio (a)		16.11	%		15.59	%		15.53	%		16.06	%		15.94	%
Tier 1 common ratio to risk weighted assets (a) (c)		10.65	%		10.19	%		10.37	%		10.62	%		10.65	%
Leverage ratio (a)		11.01			10.60			11.07			10.97			10.63
Total equity to total assets		10.51			10.20			10.25			10.48			9.90
Adjusted tangible common equity to risk weighted assets (“TCE/RWA”) (a) (c) (d)		10.31			9.69			9.69			9.91			9.93
Tangible common equity/tangible assets
(“TCE/TA”) (c) (e)		8.23			7.93			8.07			8.33			8.17

Certain previously reported amounts have been reclassified to agree with current presentation.

(a) Current quarter is an estimate.

(b) All quarters presented include $200 million of tier 1 qualifying trust preferred securities.

(c) Refer to the Non-GAAP to GAAP Reconciliation on page 26 of this financial supplement.

(d) See Glossary of Terms for definition of ratio.

(e) Calculated using period-end balances.

19

FHN ASSET QUALITY: CONSOLIDATED

Quarterly, Unaudited

																4Q13 Changes vs.
(Thousands)	4Q13			3Q13			2Q13			1Q13			4Q12			3Q13			4Q12
Allowance for Loan Losses Walk-Forward
Beginning reserve	$	255,710		$	261,934		$	265,218		$	276,963		$	281,744			(2	)%		(9	)%
Provision		15,000			10,000			15,000			15,000			15,000			50	%		*
Charge-offs		(29,000	)		(26,046	)		(30,272	)		(36,100	)		(31,177	)		(11	)%		7	%
Recoveries		12,099			9,822			11,988			9,355			11,396			23	%		6	%
Ending balance (Restricted - $4.4 million) (a)	$	253,809		$	255,710		$	261,934		$	265,218		$	276,963			(1	)%		(8	)%
Reserve for unfunded commitments		3,017			2,956			2,976			3,439			4,145			2	%		(27	)%
Total allowance for loan losses plus reserve for unfunded commitments	$	256,826		$	258,666		$	264,910		$	268,657		$	281,108			(1	)%		(9	)%
Allowance for Loan Losses
Regional Banking	$	121,027		$	125,440		$	124,627		$	120,161		$	128,210			(4	)%		(6	)%
Non-Strategic		132,782			130,270			137,307			145,057			148,753			2	%		(11	)%
Corporate (b)		NM			NM			NM			NM			NM			NM			NM
Total allowance for loan losses	$	253,809		$	255,710		$	261,934		$	265,218		$	276,963			(1	)%		(8	)%
Nonperforming Assets
Regional Banking
Nonperforming loans	$	87,324		$	118,507		$	135,902		$	124,824		$	131,834			(26	)%		(34	)%
Foreclosed real estate (c) (d)		28,806			33,594			34,561			13,142			13,726			(14	)%		NM
Total Regional Banking	$	116,130		$	152,101		$	170,463		$	137,966		$	145,560			(24	)%		(20	)%
Non-Strategic
Nonperforming loans	$	163,104		$	164,534		$	173,705		$	129,240		$	133,286			(1	)%		22	%
Nonperforming loans held-for-sale before fair value adjustments (e)		134,209			143,972			140,790			129,730			110,567			(7	)%		21	%
Foreclosed real estate (c)		16,947			16,437			16,781			19,513			28,041			3	%		(40	)%
Total Non-Strategic	$	314,260		$	324,943		$	331,276		$	278,483		$	271,894			(3	)%		16	%
Corporate
Nonperforming loans	$	4,598		$	5,001		$	4,526		$	1,936		$	1,915			(8	)%		NM
Total nonperforming assets (f)	$	434,988		$	482,045		$	506,265		$	418,385		$	419,369			(10	)%		4	%
Net Charge-Offs
Regional Banking	$	6,997		$	4,347		$	8,735		$	5,564		$	12,623			61	%		(45	)%
Non-Strategic		9,904			11,877			9,549			21,181			7,158			(17	)%		38	%
Total net charge-offs	$	16,901		$	16,224		$	18,284		$	26,745		$	19,781			4	%		(15	)%
Consolidated Key Ratios (g)
NPL % (f)		1.66	%		1.87	%		1.94	%		1.61	%		1.60	%
NPA % (d) (f)		1.95			2.19			2.25			1.81			1.84
Net charge-offs %		0.44			0.41			0.46			0.67			0.48
Allowance / loans		1.65			1.66			1.62			1.67			1.66
Allowance / NPL		1.00	x		0.89	x		0.83	x		1.04	x		1.04	x
Allowance / NPA		0.84	x		0.76	x		0.72	x		0.92	x		0.90	x
Allowance / charge-offs		3.79	x		3.97	x		3.57	x		2.45	x		3.52	x
Other
Loans past due 90 days or more (h)		76,870		$	80,923		$	73,027		$	87,177		$	86,017			(5	)%		(11	)%
Guaranteed portion (h)		39,830			41,945			38,123			40,117			36,633			(5	)%		9	%
Foreclosed real estate from government insured loans		25,809			21,596			18,560			22,017			18,923			20	%		36	%
Period-end loans, net of unearned income (millions)		15,389			15,409			16,198			15,890			16,709			*			(8	)%
Remaining unfunded commitments (millions)		8,837			9,048			8,425			8,487			7,993			(2	)%		11	%

NM - Not meaningful

* Amount is less than one percent.

Certain previously reported amounts have been reclassified to agree with current presentation.

(a) Restricted balances parenthetically presented are as of December 31, 2013.

(b) The valuation adjustment taken upon exercise of clean-up calls includes expected losses.

(c) Excludes foreclosed real estate from government-insured mortgages.

(d) 2013 increase primarily relates to acquired foreclosed real estate from the MNB acquisition.

(e) The average negative fair value mark was approximately 53% of unpaid principal balance as of 4Q13.

(f) 2013 increase primarily relates to second liens placed on nonaccrual based on third party data obtained on the performance status of non-FHN serviced first liens.

(g) See Glossary of Terms for definitions of Consolidated Key Ratios.

(h) Includes loans held-for-sale.

20

FHN ASSET QUALITY: CONSOLIDATED

Quarterly, Unaudited

																4Q13 Changes vs.
	4Q13			3Q13			2Q13			1Q13			4Q12			3Q13			4Q12
Key Portfolio Details
C&I
Period-end loans ($ millions)	$	7,924		$	7,747		$	8,368		$	8,091		$	8,797			2	%		(10	)%
30+ Delinq. % (a)		0.11	%		0.11	%		0.13	%		0.17	%		0.22	%
NPL %		1.01			1.33			1.45			1.40			1.39
Charge-offs % (qtr. annualized)		0.21			0.08			0.14			0.10			0.24
Allowance / loans %		1.09	%		1.18	%		1.12	%		1.06	%		1.09	%
Allowance / charge-offs		5.33	x		14.16	x		8.34	x		10.94	x		4.84	x
Commercial Real Estate
Period-end loans ($ millions) (b)	$	1,133		$	1,174		$	1,219		$	1,117		$	1,168			(3	)%		(3	)%
30+ Delinq. % (a)		0.77	%		0.60	%		0.54	%		0.42	%		0.39	%
NPL %		1.60			2.13			2.74			3.46			3.90
Charge-offs % (qtr. annualized)		NM			NM			NM			0.26			0.07
Allowance / loans % (c)		0.94	%		0.94	%		1.14	%		1.36	%		1.71	%
Allowance / charge-offs		NM			NM			NM			5.08	x		23.76	x
Consumer Real Estate
Period-end loans ($ millions)	$	5,333		$	5,458		$	5,549		$	5,590		$	5,689			(2	)%		(6	)%
30+ Delinq. % (a)		1.13	%		1.05	%		1.10	%		1.21	%		1.36	%
NPL % (d)		2.20			2.23			2.15			1.21			1.13
Charge-offs % (qtr. annualized)		0.62			0.87			0.96			1.33			0.68
Allowance / loans %		2.38	%		2.21	%		2.18	%		2.35	%		2.27	%
Allowance / charge-offs		3.79	x		2.54	x		2.26	x		1.75	x		3.31	x
Permanent Mortgage
Period-end loans ($ millions) (e)	$	662		$	698		$	746		$	793		$	766			(5	)%		(14	)%
30+ Delinq. % (a)		2.92	%		2.48	%		2.51	%		2.16	%		2.28	%
NPL %		5.76			5.30			5.14			4.37			4.27
Charge-offs % (qtr. annualized)		1.46			0.29			0.62			1.64			0.95
Allowance / loans %		3.40	%		3.66	%		3.63	%		3.21	%		3.26	%
Allowance / charge-offs		2.27	x		12.26	x		5.64	x		1.93	x		3.32	x
Credit Card and Other
Period-end loans ($ millions)	$	337		$	332		$	316		$	299		$	289			2	%		17	%
30+ Delinq. % (a)		1.35	%		1.11	%		1.00	%		1.25	%		1.45	%
NPL %		0.42			0.42			0.54			0.57			0.59
Charge-offs % (qtr. annualized)		3.05			2.61			2.22			3.25			4.00
Allowance / loans %		2.22	%		2.09	%		2.07	%		2.38	%		2.39	%
Allowance / charge-offs		0.73	x		0.82	x		0.97	x		0.75	x		0.60	x

NM - Not meaningful

(a) 30+ Delinquency % includes all accounts delinquent more than one month and still accruing interest.

(b) 2Q13 increase is related to MNB acquisition.

(c) 2Q13 decline is related to MNB loans that were acquired at fair value and that do not carry an allowance.

(d) NPL levels affected by the impact of placing second liens on nonaccrual based on third party data obtained on the performance status of non-FHN serviced first liens beginning in 2Q13.

(e) 1Q13 increase relates to exercise of cleanup calls.

21

FHN ASSET QUALITY: REGIONAL BANKING

Quarterly, Unaudited

																4Q13 Changes vs.
	4Q13			3Q13			2Q13			1Q13			4Q12			3Q13			4Q12
Total Regional Banking
Period-end loans ($ millions)	$	12,167		$	12,039		$	12,634		$	12,127		$	12,819			1	%		(5	)%
30+ Delinq. % (a)		0.36	%		0.35	%		0.31	%		0.36	%		0.38	%
NPL %		0.72			0.98			1.08			1.03			1.03
Charge-offs % (qtr. annualized)		0.23			0.14			0.29			0.18			0.41
Allowance / loans %		0.99	%		1.04	%		0.99	%		0.99	%		1.00	%
Allowance / charge-offs		4.36	x		7.27	x		3.56	x		5.32	x		2.55	x
Key Portfolio Details
C&I
Period-end loans ($ millions)	$	7,431		$	7,254		$	7,865		$	7,580		$	8,262			2	%		(10	)%
30+ Delinq. % (a)		0.12	%		0.12	%		0.13	%		0.17	%		0.23	%
NPL %		0.59			0.92			0.96			0.89			0.85
Charge-offs % (qtr. annualized)		0.24			0.07			0.27			0.10			0.26
Allowance / loans %		0.97	%		1.06	%		0.99	%		0.92	%		0.95	%
Allowance / charge-offs		4.24	x		15.09	x		3.81	x		8.71	x		3.87	x
Commercial Real Estate
Period-end loans ($ millions) (b)	$	1,124		$	1,164		$	1,202		$	1,098		$	1,148			(3	)%		(2	)%
30+ Delinq. % (a)		0.77	%		0.61	%		0.55	%		0.43	%		0.40	%
NPL %		1.35			1.87			2.38			3.01			3.46
Charge-offs % (qtr. annualized)		NM			NM			NM			0.34			0.35
Allowance / loans % (c)		0.88	%		0.88	%		1.03	%		1.25	%		1.60	%
Allowance / charge-offs		NM			NM			NM			3.59	x		4.29	x
Consumer Real Estate
Period-end loans ($ millions)	$	3,278		$	3,291		$	3,253		$	3,152		$	3,121			*			5	%
30+ Delinq. % (a)		0.65	%		0.66	%		0.58	%		0.68	%		0.65	%
NPL % (d)		0.85			0.90			0.97			0.74			0.67
Charge-offs % (qtr. annualized)		0.12			0.14			0.31			0.07			0.51
Allowance / loans %		0.96	%		0.95	%		0.87	%		0.96	%		0.81	%
Allowance / charge-offs		7.72	x		6.84	x		2.85	x		13.36	x		1.59	x
Credit Card, Permanent Mortgage, and Other
Period-end loans ($ millions)	$	334		$	330		$	314		$	297		$	288			1	%		16	%
30+ Delinq. % (a)		1.55	%		1.29	%		1.14	%		1.40	%		1.45	%
NPL %		0.16			0.20			0.20			0.34			0.35
Charge-offs % (qtr. annualized)		2.92			2.52			2.03			2.94			3.42
Allowance / loans %		2.21	%		2.04	%		2.02	%		2.26	%		2.21	%
Allowance / charge-offs		0.76	x		0.83	x		1.03	x		0.79	x		0.65	x
ASSET QUALITY: CORPORATE
Permanent Mortgage
Period-end loans ($ millions) (e)	$	175		$	185		$	205		$	229		$	180			(5	)%		(3	)%
30+ Delinq. % (a)		2.34	%		2.05	%		1.83	%		2.55	%		1.83	%
NPL %		2.63			2.70			2.21			0.84			1.06
Charge-offs % (qtr. annualized)		NM			NM			NM			NM			NM
Allowance / loans %		NM			NM			NM			NM			NM
Allowance / charge-offs		NM			NM			NM			NM			NM

NM - Not meaningful

* Amount is less than one percent.

(a) 30+ Delinquency % includes all accounts delinquent more than one month and still accruing interest.

(b) 2Q13 increase is related to MNB acquisition.

(c) 2Q13 decline is related to MNB loans that were acquired at fair value and that do not carry an allowance.

(d) NPL levels affected by the impact of placing second liens on nonaccrual based on third party data obtained on the performance status of non-FHN serviced first liens beginning in 2Q13.

(e) 1Q13 increase relates to exercise of cleanup calls.

22

FHN ASSET QUALITY: NON-STRATEGIC

Quarterly, Unaudited

																4Q13 Changes vs.
	4Q13			3Q13			2Q13			1Q13			4Q12			3Q13			4Q12
Total Non-Strategic
Period-end loans ($ millions)	$	3,047		$	3,185		$	3,359		$	3,534		$	3,710			(4	)%		(18	)%
30+ Delinq.% (a)		1.76	%		1.53	%		1.70	%		1.62	%		1.92	%
NPL% (b)		5.35			5.17			5.17			3.66			3.59
Charge-offs% (qtr. annualized)		1.26			1.44			1.11			2.36			0.75
Allowance / loans%		4.36	%		4.09	%		4.09	%		4.10	%		4.01	%
Allowance / charge-offs		3.38	x		2.76	x		3.58	x		1.69	x		5.22	x
Key Portfolio Details
C&I
Period-end loans ($ millions)	$	492		$	493		$	503		$	512		$	535			*			(8	)%
30+ Delinq.% (a)		0.06	%		0.04	%		0.04	%		0.08	%		—	%
NPL%		7.33			7.36			9.13			8.95			9.82
Charge-offs% (qtr. annualized)		NM			0.27			NM			NM			NM
Allowance / loans%		2.87	%		2.89	%		3.14	%		3.24	%		3.37	%
Allowance / charge-offs		NM			10.61	x		NM			NM			NM
Commercial Real Estate
Period-end loans ($ millions)	$	9		$	10		$	16		$	19		$	20			(10	)%		(55	)%
30+ Delinq.% (a)		—	%		—	%		—	%		—	%		—	%
NPL%		32.30			32.16			29.38			29.86			29.00
Charge-offs% (qtr. annualized)		3.72			1.74			NM			NM			NM
Allowance / loans%		7.98	%		7.55	%		9.56	%		7.58	%		8.03	%
Allowance / charge-offs		2.00	x		2.93	x		NM			NM			NM
Consumer Real Estate
Period-end loans ($ millions)	$	2,055		$	2,167		$	2,297		$	2,438		$	2,568			(5	)%		(20	)%
30+ Delinq.% (a)		1.89	%		1.64	%		1.84	%		1.89	%		2.23	%
NPL% (b)		4.36			4.26			3.84			1.83			1.69
Charge-offs% (qtr. annualized)		1.39			1.93			1.84			2.90			0.86
Allowance / loans%		4.64	%		4.13	%		4.03	%		4.15	%		4.04	%
Allowance / charge-offs		3.25	x		2.08	x		2.12	x		1.39	x		4.51	x
Permanent Mortgage
Period-end loans ($ millions)	$	475		$	499		$	527		$	548		$	569			(5	)%		(17	)%
30+ Delinq.% (a)		3.00	%		2.55	%		2.70	%		1.91	%		2.40	%
NPL%		6.96			6.28			6.31			5.78			5.23
Charge-offs% (qtr. annualized)		2.04			0.41			0.89			2.35			1.29
Allowance / loans%		4.68	%		5.07	%		5.10	%		4.62	%		4.36	%
Allowance / charge-offs		2.25	x		12.14	x		5.58	x		1.93	x		3.30	x
Other Consumer
Period-end loans ($ millions)	$	16		$	16		$	16		$	17		$	18			*			(11	)%
30+ Delinq.% (a)		2.33	%		1.63	%		1.99	%		2.26	%		2.82	%
NPL%		8.66			8.53			10.02			9.61			9.23
Charge-offs% (qtr. annualized)		3.35			2.12			3.72			5.44			9.49
Allowance / loans%		2.25	%		3.06	%		2.85	%		2.78	%		3.64	%
Allowance / charge-offs		0.66	x		1.41	x		0.75	x		0.50	x		0.38	x

NM - Not meaningful

* Amount is less than one percent.

(a) 30+ Delinquency% includes all accounts delinquent more than one month and still accruing interest.

(b) NPL levels affected by the impact of placing second liens on nonaccrual based on third party data obtained on the performance status of non-FHN serviced first liens beginning in 2Q13.

23

FHN ROLLFORWARDS OF NONPERFORMING LOANS AND ORE INVENTORY

Unaudited

(Millions)	4Q13			3Q13			2Q13			1Q13			4Q12
Commercial NPL Rollforward
Beginning NPLs	$	128		$	155		$	152		$	168		$	214
+ Additions		2			—			14			9			10
- Resolutions and payments		(25	)		(25	)		(9	)		(22	)		(29	)
- Net charge-offs		(3	)		(2	)		(2	)		(2	)		(5	)
- Transfer to ORE		—			—			—			(1	)		—
- Upgrade to accrual		(4	)		—			—			—			(22	)
Ending NPLs	$	98		$	128		$	155		$	152		$	168
(Millions)	4Q13			3Q13			2Q13			1Q13			4Q12
ORE Inventory Rollforward (a)
Beginning balance	$	50.0		$	51.3		$	32.7		$	41.8		$	50.6
Valuation adjustments		(1.7	)		(0.3	)		(1.9	)		(1.0	)		(1.5	)
Adjusted balance		48.3			51.0			30.8			40.8			49.1
+ New ORE		8.9			5.6			6.0			2.8			7.5
+ Acquired ORE		—			—			22.3			—			—
+ Capitalized expenses		—			—			—			—			0.1
Disposals:
- Single transactions		(9.2	)		(6.6	)		(7.8	)		(10.9	)		(13.6	)
- Bulk sales		(2.2	)		—			—			—			(1.3	)
Ending balance	$	45.8		$	50.0		$	51.3		$	32.7		$	41.8

Certain previously reported amounts have been reclassified to agree with current presentation.

(a) ORE excludes foreclosed assets related to government insured mortgages.

24

FHN: PORTFOLIO METRICS

Unaudited

C&I Portfolio: $7.9 Billion (51.5% of Total Loans) as of December 31, 2013

	% OS
General Corporate, Commercial, and Business Banking Loans		84	%
Loans to Mortgage Companies		10	%
Trust Preferred Loans		5	%
Bank Holding Company Loans		1	%

Consumer Real Estate (primarily Home Equity) Portfolio: $5.3 Billion (34.7% of Total Loans)

Origination LTV and FICO for Portfolio as of December 31, 2013	Loan-to-Value
(excludes whole loan insurance)	<=60%			>60% - <=80%			>80% - 90%			>90%
FICO score greater than or equal to 740		11	%		23	%		17	%		8	%
FICO score 720-739		2	%		4	%		4	%		2	%
FICO score 700-719		1	%		4	%		4	%		2	%
FICO score 660-699		2	%		4	%		4	%		3	%
FICO score 620-659		-	%		1	%		1	%		1	%
FICO score less than 620		-	%		1	%		-	%		1	%

Origination LTV and FICO for Portfolio - Regional Banking as of December 31, 2013	Loan-to-Value
(excludes whole loan insurance)	<=60%			>60% - <=80%			>80% - 90%			>90%
FICO score greater than or equal to 740		13	%		24	%		18	%		10	%
FICO score 720-739		1	%		4	%		3	%		2	%
FICO score 700-719		1	%		3	%		2	%		2	%
FICO score 660-699		1	%		4	%		3	%		2	%
FICO score 620-659		1	%		1	%		1	%		1	%
FICO score less than 620		-	%		1	%		1	%		1	%

Origination LTV and FICO for Portfolio - Non-Strategic as of December 31, 2013	Loan-to-Value
(excludes whole loan insurance)	<=60%			>60% - <=80%			>80% - 90%			>90%
FICO score greater than or equal to 740		8	%		22	%		15	%		5	%
FICO score 720-739		2	%		6	%		5	%		2	%
FICO score 700-719		2	%		6	%		6	%		2	%
FICO score 660-699		2	%		5	%		4	%		3	%
FICO score 620-659		-	%		1	%		1	%		1	%
FICO score less than 620		-	%		-	%		-	%		1	%

Consumer Real Estate Portfolio Detail:

			Origination Characteristics
Vintage	Balances ($B)		W/A Age (mo.)		CLTV			FICO			% TN			% 1st lien
pre-2003	$	0.1		144		78	%		705			43	%		32	%
2003	$	0.2		126		76	%		722			31	%		38	%
2004	$	0.5		113		80	%		724			21	%		27	%
2005	$	0.7		101		81	%		729			17	%		16	%
2006	$	0.6		90		78	%		732			21	%		17	%
2007	$	0.7		78		80	%		737			25	%		18	%
2008	$	0.3		67		76	%		745			71	%		50	%
2009	$	0.2		55		72	%		748			86	%		57	%
2010	$	0.2		41		81	%		750			92	%		73	%
2011	$	0.4		29		77	%		760			88	%		86	%
2012	$	0.8		18		76	%		763			89	%		91	%
2013	$	0.6		7		77	%		758			85	%		85	%
Total	$	5.3		63		78	%		743	(a)		54	%		50	%

(a) 743 average portfolio origination FICO; 736 weighted average portfolio FICO (refreshed).

Permanent Mortgage Portfolio: $.7 Billion (4.3% of Total Loans) (a) (b)

	Loan-to-Value
	<= 60%			>60% - <=80%			>80% - 90%			>90%
Origination LTV for Portfolio as of December 31, 2013:		19	%		71	%		5	%		5	%

(a) Documentation type: 71% full doc; 24% stated; 5% other.

(b) Product type: 71% jumbo; 12% Alt A; 17% other.

25

FHN NON-GAAP TO GAAP RECONCILIATION

Quarterly, Unaudited

(Thousands)	4Q13			3Q13			2Q13			1Q13			4Q12
Tangible Common Equity (Non-GAAP)
(A) Total equity (GAAP)	$	2,500,493		$	2,433,293		$	2,546,408		$	2,599,727		$	2,509,206
Less: Noncontrolling interest (a)		295,431			295,431			295,431			295,257			295,165
Less: Preferred stock		95,624			95,624			95,624			95,624			—
(B) Total common equity	$	2,109,438		$	2,042,238		$	2,155,353		$	2,208,846		$	2,214,041
Less: Intangible assets (GAAP) (b)		163,931			162,695			163,623			156,014			156,942
(C) Tangible common equity (Non-GAAP)	$	1,945,507		$	1,879,543		$	1,991,730		$	2,052,832		$	2,057,099
Less: Unrealized gains/(losses) on AFS securities, net of tax		(11,241	)		11,153			9,439			48,591			55,250
(D) Adjusted tangible common equity (Non-GAAP) (c)	$	1,956,748		$	1,868,390		$	1,982,291		$	2,004,241		$	2,001,849
Tangible Assets (Non-GAAP)
(E) Total assets (GAAP)	$	23,792,576		$	23,858,753		$	24,852,800		$	24,803,048		$	25,334,019
Less: Intangible assets (GAAP) (b)		163,931			162,695			163,623			156,014			156,942
(F) Tangible assets (Non-GAAP)	$	23,628,645		$	23,696,058		$	24,689,177		$	24,647,034		$	25,177,077
Period-end Shares Outstanding
(G) Period-end shares outstanding		236,370			236,328			240,555			241,225			243,598
Tier 1 Common (Non-GAAP)
(H) Tier 1 capital (d) (e)	$	2,611,342		$	2,555,141		$	2,712,399		$	2,738,558		$	2,640,776
Less: Noncontrolling interest—FTBNA preferred stock (a) (f)		294,816			294,816			294,816			294,816			294,816
Less: Preferred Stock		95,624			95,624			95,624			95,624			—
Less: Trust preferred (g)		200,000			200,000			200,000			200,000			200,000
(I) Tier 1 common (Non-GAAP)	$	2,020,902		$	1,964,701		$	2,121,959		$	2,148,118		$	2,145,960
Risk Weighted Assets
(J) Risk weighted assets (d) (e)	$	18,971,300		$	19,275,526		$	20,460,353		$	20,231,850		$	20,153,430
Ratios
(C)/(F) Tangible common equity to tangible assets (“TCE/TA”) (Non-GAAP)		8.23	%		7.93	%		8.07	%		8.33	%		8.17	%
(A)/(E) Total equity to total assets (GAAP)		10.51	%		10.20	%		10.25	%		10.48	%		9.90	%
(C)/(G) Tangible book value per common share (Non-GAAP)	$	8.23		$	7.95		$	8.28		$	8.51		$	8.44
(B)/(G) Book value per common share (GAAP)	$	8.92		$	8.64		$	8.96		$	9.16		$	9.09
(I)/(J) Tier 1 common to risk weighted assets (Non-GAAP) (d)		10.65	%		10.19	%		10.37	%		10.62	%		10.65	%
(H)/(E) Tier 1 capital to total assets (GAAP) (d)		10.98	%		10.71	%		10.91	%		11.04	%		10.42	%
(D)/(J) Adjusted tangible common equity to risk weighted assets (“TCE/RWA”) (Non-GAAP) (c) (d)		10.31	%		9.69	%		9.69	%		9.91	%		9.93	%
Net interest income adjusted for impact of fully taxable equivalent (“FTE”) (Non-GAAP)
Regional Banking
Net interest income (GAAP)	$	146,430		$	149,547		$	148,222		$	147,125		$	154,927
FTE adjustment		1,909			1,806			1,756			1,670			1,645
Net interest income adjusted for impact of FTE (Non-GAAP)	$	148,339		$	151,353		$	149,978		$	148,795		$	156,572
Capital Markets
Net interest income (GAAP)	$	4,299		$	3,807		$	4,094		$	3,965		$	4,348
FTE adjustment		128			81			149			109			186
Net interest income adjusted for impact of FTE (Non-GAAP)	$	4,427		$	3,888		$	4,243		$	4,074		$	4,534
Corporate
Net interest income (GAAP)	$	(10,411	)	$	(11,653	)	$	(11,180	)	$	(10,058	)	$	(10,128	)
FTE adjustment		7			7			8			8			11
Net interest income adjusted for impact of FTE (Non-GAAP)	$	(10,404	)	$	(11,646	)	$	(11,172	)	$	(10,050	)	$	(10,117	)
Non-Strategic
Net interest income (GAAP)	$	16,817		$	17,137		$	18,883		$	20,350		$	21,451
FTE adjustment		—			—			—			—			—
Net interest income adjusted for impact of FTE (Non-GAAP)	$	16,817		$	17,137		$	18,883		$	20,350		$	21,451
Total Consolidated
Net interest income (GAAP)	$	157,135		$	158,838		$	160,019		$	161,382		$	170,598
FTE adjustment		2,044			1,894			1,913			1,787			1,842
Net interest income adjusted for impact of FTE (Non-GAAP)	$	159,179		$	160,732		$	161,932		$	163,169		$	172,440

Certain previously reported amounts have been reclassified to agree with current presentation.

(a) Included in Total equity on the Consolidated Balance Sheet.

(b) Includes goodwill and other intangible assets, net of amortization.

(c) See Glossary of Terms for definition of ratio.

(d) Current quarter is an estimate.

(e) Defined by and calculated in conformity with bank regulations.

(f) Represents FTBNA preferred stock included in noncontrolling interest.

(g) Included in Term borrowings on the Consolidated Balance Sheet.

26

FHN GLOSSARY OF TERMS

Adjusted Tangible Common Equity to Risk Weighted Assets: Common equity excluding intangible assets and unrealized gains/losses on available-for-sale securities divided by risk weighted assets.

Core Businesses: Management treats regional banking, capital markets, and corporate as FHN’s core businesses. Non-strategic has significant legacy assets and operations that are being wound down.

Discharged Bankruptcies: Residential real estate secured loans where the borrower has been discharged from personal liability through bankruptcy proceedings. Such loans that have not been reaffirmed by the borrower are charged down to estimated collateral value less disposition costs (net realizable value) and are reported as nonaccruing TDRs.

Lower of Cost or Market (“LOCOM”): A method of accounting for certain assets by recording them at the lower of their historical cost or their current market value.

Restricted Real Estate Loans: Restricted loans that are assets of a consolidated variable interest entity that can be used only to settle obligations of the consolidated variable interest entity.

Troubled Debt Restructuring (“TDR”): A restructuring of debt whereby a creditor for economic or legal reasons related to the borrower’s financial difficulties grants a concession to the borrower that it would not otherwise consider. Such concession is granted in an attempt to protect as much of the creditor’s investment as possible by increasing the probability of repayment.

Asset Quality - Consolidated Key Ratios

NPL %: Ratio is nonperforming loans in the loan portfolio to total period-end loans.

NPA %: Ratio is nonperforming assets related to the loan portfolio to total period-end loans plus foreclosed real estate and other assets.

Net charge-offs %: Ratio is annualized net charge-offs to total average loans.

Allowance / loans: Ratio is allowance for loan losses to total period-end loans.

Allowance / NPL: Ratio is allowance for loan losses to nonperforming loans in the loan portfolio.

Allowance / NPA: Ratio is allowance for loan losses to nonperforming assets related to the loan portfolio.

Allowance / charge-offs: Ratio is allowance for loan losses to annualized net charge-offs.

27

Exhibit 99.1B

First Horizon National Corporation

Fourth Quarter 2013 Earnings

January 17, 2014

Portions of this presentation use non-GAAP financial information. Each of those portions is so noted, and a reconciliation of that non-GAAP information to comparable GAAP information is provided in a footnote or in the appendix at the end of this presentation.

This presentation contains forward-looking statements, which may include guidance, involving significant risks and uncertainties which will be identified by words such as “believe”,“expect”,“anticipate”,“intend”,“estimate”, “should”,“is likely”,“will”,“going forward” and other expressions that indicate future events and trends and may be followed by or reference cautionary statements. A number of factors could cause actual results to differ materially from those in the forward-looking information. These factors are outlined in our recent earnings and other press releases and in more detail in the most current 10-Q and 10-K. FHN disclaims any obligation to update any such factors or to publicly announce the result of any revisions to any of the forward-looking statements included herein or therein to reflect future events or developments.

2

Building Franchise Value

“Blue Chip” Priorities

Being easy to do business with

Providing differentiated customer service

Using the bonefish to drive profitability

3

2013 Accomplishments

Building Franchise Value

Optimize Business Mix for Profitability & Returns

Core Businesses’ ROTCE at 10.7% and ROA at 0.93%1

Regional Banking pre-tax pre-provision net revenue at $308mm, up 6%2

Regional Banking average loans up 2%

Non-Strategic average loans down 18%

Non-Strategic comprises 21% of total average loans, down from 25% in 2012

FTN Financial continues to produce solid returns with an ROA of 1.4% and ROE of 20.4%

Net charge-offs declined 58%

Improve Productivity

& Efficiency

Achieved annualized 4Q13 target of less than $925mm of total expenses3

Regional Banking efficiency ratio improved 297bps to 63%

Regional Banking revenue per FTE up 1%

Deploy Capital In Disciplined Manner4

Tier 1 ratio at 13.8%

Tier 1 Common at 10.7%

Acquired Mountain National Bank (“MNB”) in 2Q13

Repurchased $263mm or 28 million total shares since October 2011

All data is full year 2013 compared to full year 2012 unless otherwise noted. All non-GAAP numbers are reconciled in the appendix.

1Core Businesses include the Regional Banking, Capital Markets, and Corporate segments. Core ROTCE and ROA are annualized, non-GAAP, and an average of quarters 1Q13-4Q13.

2Pre-tax pre-provision net revenue is a non-GAAP number. 3Goal reached based on 4Q13 annualized expense excluding $30mm of litigation-related expense. This number is non-GAAP.

4Tier 1 and Tier 1 Common: current quarter is estimate; Tier 1 Common is a non-GAAP number.

4

Core Business Relative Positioning

Core Businesses Continue to Deliver Solid Results Balance Sheet Positioned to Benefit from Rising Rates

Core Businesses1

TTM Returns

Key TTM Bonefish Metrics

ROTCE2

10.7%

11.1%

Capital ratios remain above normalized Bonefish capital levels

ROA2

0.93%

1.07%

NIM2

3.17%

3.48%

Significant latent income embedded in balance sheet A 200bps rise in rates would have improved NII by ~$60mm annually4

NCO%2

0.21%

0.41%

Better than long-term Bonefish targets

Fee Income %

49%

31%

FTN Financial significant differentiator vs peers In line with long-term Bonefish targets

Efficiency Ratio

76%

66%

Core efficiency ratio of 76% Core Businesses expenses down $93mm or 10% from 2012

FHN Favorable

FHN Unfavorable

Peers3

All non-GAAP numbers are reconciled in the appendix. 1Core Businesses include Regional Banking,

Capital Markets, and Corporate. All core data is non-GAAP. Trailing 12 Months (TTM) is an average of

quarters 1Q13-4Q13, which is non-GAAP. 2ROTCE, ROA, NIM, and NCO/Average Loans are annualized. ROTCE is a non-GAAP number. 3Asset weighted last four quarter average as of 3Q13. Peers defined in appendix. 4All else equal, a 200bps rate shock results in ~$60mm increase in Core Businesses annual NII (see slide 10), as Non-Strategic is interest rate neutral. Core estimates are non-GAAP.

5

FINANCIAL RESULTS

6

4Q13 Consolidated Results

Consolidated Pre-Tax Income of $17mm Core Businesses’ Pre-Tax Income of $57mm1

Linked Quarter Comparison

Net income available to common shareholders at $49mm with diluted EPS of $0.21

Revenue decreased $17mm or 6%

FTN Financial revenue down $4mm or 6% due to market conditions and seasonality

Mortgage banking noninterest income decline related to the servicing sale

NII relatively stable and NIM up 1bp

Noninterest expense at $260mm

Includes a $30mm net loss accrual related to pending legal matters and zero repurchase expense

Total provision at $15mm

Net charge-offs of $17mm

Regional Banking NCOs of $7mm or 23bps2

Total average loans down 2%

Regional Banking loans down 2%

Specialty lending:

Loans to mortgage companies at ~$700mm, down ~$300mm

Asset Based Lending up 4%

CRE up 5%

Non-Strategic loans down 5%

Fourth quarter tax expense was favorably affected by the pattern of quarterly earnings in 2013 and $8.2 million in discrete items

4Q13 vs

4Q13 3Q13 4Q12

3Q13 4Q12

Income Statement ($ in millions)

Net interest income $157 $159 $171 (1)% (8)%

Noninterest income $135 $150 $146 (10)% (8)%

Total revenue $292 $309 $317 (6)% (8)%

Noninterest expense $260 $434 $271 (40)% (4)%

PPNR3 $32 ($124) $46 NM (30)%

Provision $15 $10 $15 50% 0%

Pre-tax income $17 ($134) $31 NM (44)%

Taxes ($37) ($31) ($13) (18)% NM

Net income $54 ($103) $44 NM 23%

Net income available

$49 ($107) $41 NM 21%

to common shareholders

Common Stock Data

Diluted shares (in millions) 237 237 246 * (4)%

Diluted EPS $0.21 - $0.45 $0.17 NM 24%

Balance Sheet ($ in billions)

Total average loans $15.3 $15.7 $16.4 (2)% (7)%

Total average deposits $16.3 $16.6 $16.3 (2)% (0)%

Efficiency

Efficiency Ratio 90% NM 84%

Numbers and percentages may not add to total due to rounding. All data is 4Q13 compared to 3Q13 unless otherwise noted.

1Core Businesses include the Regional Banking, Capital Markets, and Corporate segments. Core Businesses’ Pre-Tax Income is a non-GAAP number and a reconciliation is provided in the appendix.

2Net charge-off % is annualized. NM – Not meaningful. *Amount is less than 1%.

3PPNR: Pre-tax pre-provision net revenue is a non-GAAP number and is reconciled to pre-tax income in the table.

7

4Q13 Segment Highlights

Core Businesses’ Net Income Up Linked Quarter

Net Income1 4Q13 Revenue3 LQ Change4

$ in millions Per Share Drivers and Impacts

4Q13 3Q13 4Q12 Impact2 Expense $mm %

Revenue decrease primarily driven by

Regional $209 -$4 -2% lower NII

$43 $49 $49 $0.18

Banking

$139 $7 5% 4Q13 expense increase associated with

branch closings and higher professional fees

Fixed income ADR of $822k in 4Q13 vs

$64 -$4 -6% $850k in 3Q13

Capital $7 $6 $12 $0.03

Markets Decrease in expenses from lower variable

$53 -$5 -8% compensation

$(3) $3 49%

Corporate1 $(5) $(15) $(5) $(0.02)

$19 -$3 -14%

$270 -$6 -2%

Core

Businesses1 $45 $40 $56 $0.19

$211 -$1 -0%

4Q13 noninterest income of $5mm vs $16mm

$22 -$11 -34% in 3Q13. 3Q13 increase reflects terms of

Non- servicing sale agreement

$4 $(148) $(15) $0.02

Strategic 4Q13 repurchase provision of $0mm vs

$49 -$173 -78% $200mm in 3Q13. 4Q13 includes $30mm net

loss accrual related to pending legal matters

$292 -$17 -6%

Total1 $49 $(107) $41 $0.21

$260 -$173 -40%

Core Businesses include the Regional Banking, Capital Markets, and Corporate segments. 1Corporate, Core Businesses, and Consolidated show net income available to common, which reflects $3mm of noncontrolling interest in each quarter and $1.6mm of preferred stock dividends in 4Q13 and 3Q13.

2Segment EPS impacts are non-GAAP numbers and reconciled in the table. EPS impacts are calculated using the 4Q13 net income column divided by the 237mm diluted shares outstanding. 3Revenue and expense are as of 4Q13. Revenue includes securities gain / losses. 4LQ: Linked quarter; 4Q13 compared to 3Q13. Numbers may not add to total due to rounding.

8

Regional Banking Overview

Broad Product Offerings with Focus on

Specialty Lending Provide Growth Opportunities

Total average Regional Banking loans up 2% from 2012

Commercial loans grew 2%, excluding loans to mortgage companies

Loans to Mortgage Companies down 21%

Consumer loans grew 9%

Regional Banking average loan growth driven by multiple lending areas

Commercial lending up 10%

Business Banking up 9%

Asset Based Lending up 6%

Retail up 11%

Private Client / Wealth Management up 8%

Utilization rates remain low

Competitive lending environment

2013 Average Regional Banking Loans by Lending Area

Retail 18%

Private Client/ Wealth Mgmt 14%

Correspondent 1%

Healthcare 3%

CRE 8%

Loans to Corporate Mortgage 8% Companies 8%

ABL 10%

Business Banking 6%

Commercial 24%

Specialty Lending Areas

Growth is full year 2013 compared to full year 2012.

9

Consolidated Balance Sheet & Net Interest Margin Trends

Net Interest Margin Slightly Improves

Balance Sheet Positioned to Benefit from Rising Rates

Net interest spread flat linked quarter

NIM up slightly linked quarter to 2.98% from 2.97%

Benefit of ~4bps related to higher amortization associated with loans acquired from MNB and higher than expected cash basis income

Benefit offset by ~(3)bps from lower balances in Loans to Mortgage Companies and an increase in excess balances held at the Fed

Floating rate loans comprise 65% vs fixed rate loans at 35%

Consolidated Yields and Rates

450bps

360

270

180

90

0

360 354 354 356 356

4Q12 1Q13 2Q13 3Q13 4Q13

Spread¹ Deposit Rate Loan Yield

Net Interest Income and Margin

$200mm $150 $100 $50 $0

4Q12 1Q13 2Q13 3Q13 4Q13

$171 $161 $160 $159 $157

3.09% NII NIM

2.95% 2.96% 2.97% 2.98%

3.2% 3.0% 2.8% 2.6% 2.4% 2.2% 2.0% 1.8%

Net Interest Income Sensitivity Impact2

12% 9% 6% 3% 0% -3%

Long End Long End +100bps +200bps -50bps +50bps

-1.5%

-$10mm

+1.4%

+$8mm

+4.9%

+$30mm

+9.8%

+$61mm

Numbers may not add to total due to rounding. 1Spread is loan yield minus core deposit rate.

2Analysis uses FHN’s balance sheet as of 3Q13 and is non-GAAP. Long End +50bps assumes yield curve spreads widen ~50bps. Long end -50bps assumes yield curve spreads compress ~50bps. Bps impact assumes increase in Fed Funds rate. Non-Strategic is interest rate neutral, thus nearly all the sensitivity impact would be allocated to the Core Businesses.

10

Non-Strategic Update

Repurchase Provision of $0mm in 4Q13

Agency Mortgage Repurchase Highlights

Pipeline declined 37% linked quarter and down 41% year over year to $197mm1

New requests and realized losses up due to implementation of 3Q13 settlement

Repurchase reserve includes:

Future MI rescissions

Bulk servicing sales

Extrapolation to Freddie

Other non-FNMA/FHLMC matters

Mortgage Repurchase Reserve

($ in millions) 4Q12 1Q13 2Q13 3Q13 4Q13

Beginning Balance $292 $232 $184 $123 $294

Net Realized Losses $(60) $(49) $(61) $(29) $(98)

Provision $0 $0 $0 $200 $0

Ending Balance $232 $184 $123 $294 $195

Other Non-Strategic Items

Signed a definitive agreement to sell substantially all remaining legacy mortgage servicing; transfers of servicing began in 4Q13, will be substantially completed in 1Q14

Linked quarter, litigation-related provision expense increased $30mm, primarily related to the legacy mortgage business

Total Pipeline of Repurchase Requests1

$500mm $400 $300 $200 $100 $0

4Q12 1Q13 2Q13 3Q13 4Q13

Fannie New Requests Freddie New Requests

Other New Requests Resolved

Pipeline

Data as of 4Q13. Numbers may not add due to rounding. 1Based on UPB. The pipeline represents active investor claims and mortgage insurance (MI) cancellations under review, both of which could occur on the same loan. Excludes MI cancellation notices that have been reviewed and coverage has been lost. MI cancellations that have resulted in lost coverage are included in management’s assessment of the adequacy of repurchase reserves.

4Q13 resolutions include $128mm in other claims that pose no risk to the repurchase reserve but require formal acknowledgement with Fannie.

11

Improving Productivity and Efficiency

FHN Continues to Deliver on Efficiency Goals in Core Businesses

Annualized noninterest expense, excluding net loss accruals related to pending legal matters, declined 30% from 4Q10 due to broad-based improvement in most categories1

Annualized 4Q13 consolidated expenses down 14% year-over-year1

Achieved goal of less than $925mm of annualized run-rate of consolidated expenses by year end 20131

Annualized Noninterest Expense1

$1.4B $1.2 $1.0 $0.8 $0.6 $0.4 $0.2 $0.0

-30%1

$1,313mm $1,245mm $1,068mm $920mm $925mm

4Q10 Annualized 4Q11 Annualized 4Q12 Annualized 4Q13 Annualized 4Q13 Goal

Numbers/percentages may not add due to rounding.

1Excludes expense related to litigation and regulatory matters.

These are non-GAAP numbers and a reconciliation is provided in the appendix.

12

Asset Quality Trends

Reserves and Net Charge-Offs

$30mm $20 $10 $0

-$10

-$20

1.66% 1.67% 1.66% 1.65%

1.62%

$27

$20 $17

$18 $16

$(5) $(6) $(3) $(2) $(12)

4Q121 1Q13 2Q13 3Q13 4Q13

Net Charge-Offs Reserve Decrease Reserve % of Loans

1.7% 1.6% 1.5% 1.4% 1.3% 1.2%

Non-Performing Assets

$ 0. 8B $0.6 $0.4 $0.2 $0.0

NPLs ORE

(22)%

(11)%

(2)% (5)% (9)% 21%

(4)% (7)%(0)% (10)%

2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13 2Q13 3Q13 4Q13

4Q13 net charge-offs of $17mm compared to $16mm in 3Q13

Regional Banking NCOs of $7mm vs $4mm in 3Q13

NCOs at 0.23% of average loans2

Non-Strategic NCOs of $10mm vs $12mm in 3Q13

NCOs at 1.26% of average loans2

NPAs at $435mm vs $419mm in 4Q12

ORE at $46mm in 4Q13 vs $42mm in 4Q123 NPL levels at $389mm

Year over year increase primarily related to compliance with regulatory guidance associated with the liens junior to first liens with performance issues

4Q13 NPLs include $134m of held for sale loans that carry an average negative fair value mark of ~53%

Numbers may not add due to rounding. All data is 4Q13 compared to 4Q12 unless otherwise noted.

14Q12 charge-offs included a favorable adjustment for lower loss estimate for discharged bankruptcies.

2Net charge-off % is annualized.

3Year over year ORE increase related to the MNB acquisition, which contributed $17mm of ORE in 4Q13.

13

Building Long-Term Earnings Power: Bonefish Targets

Focused on Growing Our Company Selectively and Profitably While Positioning Our Balance Sheet for Sustainable, Higher Returns in the Long Term

Return on Tangible Common Equity 15%—20%

Return on Assets

1.25%—1.45%

Total Assets

Pre-tax Income

Tax Rate

Earning Assets

Equity / Assets

Tier 1 Common

8%—9%

Risk Adjusted Margin

Net Interest Margin 3.50%—4.00%

Annualized Net Charge-Offs 0.30%—0.70%

% Fee Income 40%—50%

Efficiency Ratio 60%—65%

Trailing Twelve Months1 Consolidated Core Businesses4 Long-Term Targets

ROTCE2 1.02% 10.72% 15.00 – 20.00%

ROA2 0.17% 0.93% 1.25 — 1.45%

NIM2 2.96% 3.17% 3.50 — 4.00%

Tier 1 Common3 10.46% 8.00 – 9.00%

NCO / Average Loans2 0.50% 0.21% 0.30 — 0.70%

Fee Income / Revenue 48% 49% 40— 50%

Efficiency Ratio 95% 76% 60— 65%

All non-GAAP numbers are reconciled in the appendix. 1Average of quarters 1Q13-4Q13 for each metric, which is a non-GAAP number.

2ROTCE, ROA, NIM, and NCO / Average Loans are annualized. ROTCE is a non-GAAP number.

3Tier 1 Common: current quarter is an estimate and a non-GAAP number.

4Core Businesses include Regional Banking, Capital Markets, and Corporate segment. Core data is non-GAAP.

14

Successfully Executing on Key Priorities

FHN Is Well Positioned For Long-Term Earnings Power

Proven execution capabilities

Unique size, scope and strengths

Focused on efficiency, productivity, economic profitability and growth opportunities

Organizational alignment on the path to long-term bonefish profitability

Breadth and depth of talent that will be able to profitably run and grow the company

Building a Foundation for Long-Term Earnings Power

15

APPENDIX

16

4Q13 Credit Quality Summary by Portfolio

Regional Banking Corporate4 Non-Strategic

Commercial HE & Permanent Commercial HE & Permanent

($ in millions) CRE Other1 Total CRE Other2 Total

(C&I & Other) HELOC Mortgage (C&I & Other) HELOC Mortgage

Period End Loans $7,431 $1,124 $3,278 $334 $12,167 $175 $492 $9 $2,055 $475 $16 $15,389

30+ Delinquency 0.12% 0.77% 0.65% 1.55% 0.36% 2.34% 0.06% 0.00% 1.89% 3.00% 2.33% 0.66%

Dollars $9 $9 $21 $5 $44 $4 $0 $0 $39 $14 $0 $102

NPL % 0.59% 1.35% 0.85% 0.16% 0.72% 2.63% 7.33% 32.30% 4.36% 6.96% 8.66% 1.66%

Dollars $44 $15 $28 $1 $87 $5 $36 $3 $90 $33 $1 $255

Net Charge-offs3 % 0.24% NM 0.12% 2.92% 0.23% NM NM 3.72% 1.39% 2.04% 3.35% 0.44%

Dollars $4 -$1 $1 $2 $7 NM $0 $0 $7 $2 $0 $17

Allowance $72 $10 $31 $7 $121 NM $14 $1 $95 $22 $0 $254

Allowance / Loans % 0.97% 0.88% 0.96% 2.21% 0.99% NM 2.87% 7.98% 4.64% 4.68% 2.25% 1.65%

Allowance / Charge-offs 4.24x NM 7.72x 0.76x 4.36x NM NM 2.00x 3.25x 2.25x 0.66x 3.79x

Numbers may not add to total due to rounding. Data as of 4Q13. NM: Not meaningful. 1Credit card, Permanent Mortgage, and Other. 2Credit card, OTC, and Other Consumer.

3Net charge-offs are annualized. 4Exercised clean-up calls on jumbo securitizations in 1Q13, 3Q12, 2Q11, and 4Q10, which are now on balance sheet in the Corporate segment.

17

C&I and Commercial Real Estate Portfolio Detail

C&I Overview

$7.9B portfolio, diversified by industry, managed primarily in Regional Banking

Net charge-offs at $4mm in 4Q13

C&I consolidated reserves of 1.09% at 12/31/13

C&I: TRUPs and Bank-Related Loans

$478mm balances in TRUPs and bank-related loans

$246mm whole-loan TRUPs to banks

$156mm whole-loan TRUPs to insurance companies

$75mm loans to bank holding companies and loans secured by bank stock

Approximately $45mm of TRUPs sales/payoffs in 2013 Reserve coverage of 9.10%1 Six TRUPs totaling $37mm on deferral at 12/31/132

C&I: Loans to Mortgage Companies

$2.0B $1.6 $1.2 $0.8 $0.4 $0.0

Period End Average

4Q12 1Q13 2Q13 3Q13 4Q13

$1.8

$1.5

$1.1

$1.2

$1.4

$1.1

$0.7

$1.0

$0.8

$0.7

Commercial Real Estate Overview

5% 4% 3% 2% 1% 0%

30+ Delinquencies Net Charge-Offs³ NPLs / Total Loans

3.90%

3.46%

2.74%

2.13%

1.60%

4Q12 1Q13 2Q13 3Q13 4Q13

$1.1B portfolio, which includes Income CRE and Residential CRE

CRE consolidated reserves of 0.94% at 12/31/13

Data as of 4Q13. Numbers may not add to total due to rounding.

1Reserve coverage includes $29.4mm of LOCOM on TRUPs.

2Net of LOCOM.

3Net charge-off ratios are annualized.

18

Home Equity: Performance and Characteristics

Portfolio Characteristics

First Second Total

Balance $ 2.7B $ 2.6B $ 5.3B

Original FICO 751 735 743

Refreshed FICO 750 722 736

Original CLTV 75% 81% 78%

Full Doc 90% 73% 82%

Owner Occupied 92% 95% 93%

HELOCs $ 0.7B $ 2.1B $ 2.8B

Weighted Average

HELOC Utilization 48% 59% 57%

Geographic Distribution

FL 2% GA

3%

Other 30%

CA 10%

Core Banking Customers TN

55%

30+ Delinquency: Key Drivers

FICO Score-Origination Channel Lien Position

6% 4% 2% 0%

>=740 720- 700- 660- <660 739 719 699

3.33% 2.36% 2.00% 0.65%

5.70%

4% 3% 2% 1% 0%

1.46%

3.44%

Retail Wholesale

3% 2% 1% 0%

0.98%

2.38%

1st Lien 2nd Lien

58% 12% 11% 12% 7%

% of portfolio

89% 11% % of portfolio

50% 50% % of portfolio

Data as of 4Q13.

Numbers and percentages may not add due to rounding.

19

Consumer Real Estate Portfolio

30+ Delinquency

3% 2% 1% 0%

4Q12 1Q13 2Q13 3Q13 4Q13

Regional Banking Non-Strategic

Industry1 = 5.54%

1.89%

0.65%

Net Charge-Offs

$20mm $15 $10 $5 $0

4Q12 1Q13 2Q13 3Q13 4Q13 Regional Banking Non-Strategic

$18

$13 $12

$102 $8

Non-Strategic Portfolio Run-Off

$3.0B $2.5 $2.0 $1.5 $1.0 $0.5 $0.0

20% 20%

19%

18% 18%

21% 20% 19% 18% 17% 16%

4Q12 1Q13 2Q13 3Q13 4Q13

Period End Balance Constant Pre-Payment Rate (Right Axis)

1Source: McDash industry data as of November 2013.

24Q12 charge-offs include a favorable adjustment for lower loss estimate for discharged bankruptcies based on loan-level data obtained from new appraisals in 4Q12.

20

Agency & Non-Agency: Mortgage Origination & Loan Data

Agency and Pipeline

~$70B of Agency originations from 2005 to 2008

Received ~$2.6B1 of Agency-related repurchase requests to date or 3.7% of originations

Represent 84% of all active repurchase/make whole requests in pipeline at 12/31/132

Pipeline declined 37% linked quarter and down 41% year over year to $197mm3

$112mm of Agency-related repurchase claims

$28mm of mortgage insurer-related cancellations

$21mm of non-Agency whole loan-related claims

$36mm of other non-repurchase requests

Originations: 2005-2008 Amount

Fannie $39.6B

Freddie $18.0B

Total GSE Loans Sold $57.6B

Ginnie Loans Sold $11.9B

Total Agency Loans Sold $69.5B

Total Demands (Request Rate) $2.6B / 3.7%

Resolved $2.5B

Cumulative Average Rescission Rate 45—55%

Average Loss Severity 50—60%

Realized Losses through 4Q13 ~$755mm

Remaining Reserve at 12/31/13 $195mm

Cumulative Total Losses plus Reserve ~$950mm

GSE Aggregate Expected Loss Ratio 1.6%

Other Whole Loan Sales and Non-Agency

Represent 16% of all active repurchase/make whole requests in 4Q13 pipeline Some non-Agency FHN loans were bundled with other companies’ loans and securitized by the purchasers

A trustee for a bundler has commenced a legal action seeking repurchase of FHN loans

Certain purchasers have requested indemnity related to FHN loans included in their securitizations

Loan file review process regarding certain bundled FHN loans has been initiated

Non-Agency HUD/FHA Investigation

HUD and the US DOJ are investigating FHA insurance claims on insured loans originated by FHN; initial period covers 1/1/06 through 3/31/124

During that period FHN originated ~50,000 loans with original UPB of ~$8.6B

Approximately ~48,000 of those originations occurred prior to 9/1/08 FHN had an initial meeting with HUD and DOJ in 2Q13 HUD has reviewed a small sample of loans from the covered period, and its investigation remains incomplete HUD and DOJ have made no demands but could seek up to treble and special damages under the False Claims Act and other laws FHN does not have the ability now to estimate a reserve or a range of reasonably possible losses

Data as of 4Q13. 1Requests include MI cancellation notices. 2Agencies account for 84% of all actual repurchase/make-whole requests in the pipeline as of 4Q13 and 85% of the active pipeline inclusive of PMI cancellation notices and all other claims.

34Q13 resolutions include $128mm in other claims that pose no risk to the repurchase reserve but require formal acknowledgement to Fannie. 4FHA insurance claims made after 3/31/12 may be added to investigation.

21

Private Label Securitization Exposure Manageable

Key Points

Originated and securitized $27B of First Horizon branded private label mortgages from 2005-2007 with current UPB of $7B

If any private label securitization losses occur, they should be significantly less than the GSE experience

More limited reps and warranties

Statutes of limitations

100% of active PLS are older than 6 years and 84% are older than 7 years Strong relative performance vs industry cohorts

No subprime securitizations

Smaller average securitization size

Repurchase Risk Differs For Private Label vs GSEs

Most private label reps and warranties are not as comprehensive as GSE whole-loan reps and warranties

More difficult for most non-agency investors to access loan files

Generally requires a coordinated investor effort to compel trustees to investigate and pursue repurchase claims

Investor interests are not necessarily aligned

Trustee may initiate loan review and repurchase process on its own

Origination Mix

FHN

Jumbo 35%

Alt-A 65%

Industry1

Alt-A Subprime 43% 41%

Jumbo 16%

Average $342mm $891mm Deal Size:

Securitization Performance2

60 Day+ Delinquencies Cumulative Loss

11%

30%

70% 89%

Outperforming Industry Cohort Underperforming Industry Cohort

All data refers to the active 2005-2007 FHN branded private securitizations, unless otherwise noted. Data as of December 2013 with November remits.

Source for all data, except where noted, is LoanPerformance, CPRCDR, Intex, PolyPaths, Bloomberg with company analysis. Cohort (Industry) = Loans of similar type/vintage relevant reference group.

1Industry source: KDS Global. Includes all deals from 2005-2007.

2Performance determined by comparing 60D+ and Cumulative Loss ratios at the deal level. 60D+ balances are current UPB. Cumulative loss balances are original UPB.

22

FHFA Litigation Securitizations

FHFA Litigation Certificate Breakdown

($ in millions) FHFA- Related Original Paid Current Performing 60D+ Cumulative

Alt-A Deal Tranche UPB Off UPB UPB Delinquent Loss

FHAMS 2005- AA9 IIA1 $214 $126 $76 $69 $8 $12

FHAMS 2005- AA10 IA1 $140 $84 $49 $44 $5 $7

FHAMS 2005- AA11 IA1 $129 $71 $47 $41 $5 $11

FHAMS 2005- AA12¹ IIA1 $161 $76 $71 $61 $10 $14

FHAMS 2006- AA1 IA1 $230 $142 $69 $62 $7 $19

FHFA Total $874 $499 $312 $276 $35 $63

$1.0B

$0.8

$0.6

$0.4

$0.2

$0.0

$874mm* Cumulative Loss 7% 60D+ Delinquent² 4%

Performing UPB 32%

Paid Off 57%

*The original balance related to the FHFA lawsuit is $874mm, plus an additional $9mm of cost over par, totaling $883mm

Numbers and percentages may not add to total due to rounding. Data source: December 2013 Trustee Reports and the FHFA lawsuit filed on 9/2/11. 1In April 2007, the GSEs purchased the remaining $161mm of UPB in the FHAMS 2005-AA12 IIA1 tranche, as reported in the FHFA lawsuit. This tranche had an origination balance of $213mm.

260D+ Delinquent defined as a delinquency status of 60 days or more and also bankruptcies, foreclosures and REO in such status for 60 days or more. 23

Non-FHFA Litigation Securitizations

Non-FHFA Litigation Certificate Breakdown

($ in millions) Original Paid Current Performing 60D+ Cumulative

Certificate

Deal UPB Off UPB UPB Delinquent Loss

FHASI 2005-AR51 Senior $30.0 $19.1 $10.9 $10.0 $0.9 $0.0

(Schwab)

FHASI 2007-AR21

Senior $50.0 $31.8 $16.2 $13.8 $2.4 $2.1

(Schwab)

FHASI 2006-3

Junior $9.9 $0.5 $2.5 $2.3 $0.2 $6.9

(Western-Southern)

FHASI 2007-5

Junior $7.1 $0.2 $0.0 $0.0 $0.0 $6.9

(Western-Southern)

FHAMS 2007-FA4

Senior $5.1 $0.2 $0.0 $0.0 $0.0 $4.8

(Western-Southern)

FHAMS 2006-FA6

Senior $11.1 $2.8 $7.7 $5.8 $1.9 $0.7

(FDIC Alabama)

FHAMS 2006-FA6

Senior $15.2 $4.3 $10.0 $8.2 $1.8 $1.0

(FDIC Alabama)

FHAMS 2006-FA7

Senior $20.7 $5.8 $12.9 $10.5 $2.4 $1.9

(FDIC Alabama)

FHAMS 2007-FA41

Senior $14.4 $3.0 $9.9 $7.5 $2.4 $1.4

(FDIC Alabama)

FHAMS 2007-FA1

Senior $44.5 $12.7 $27.2 $20.7 $6.5 $4.6

(FDIC New York)

FHAMS 2007-FA2

Senior $34.9 $10.7 $20.6 $15.7 $4.9 $3.6

(FDIC New York)

FHAMS 2005-FA8

Senior $100.0 $75.1 $24.9 $21.3 $3.6 $0.0

(FHLB Indemnification)

FHAMS 2007-FA3

Senior $103.0 $57.5 $39.1 $31.8 $7.3 $6.4

(MetLife Indemnification)

FHAMS 2005-FA102 Senior $100.0 $62.1 $35.1 $30.0 $5.1 $2.8

(Royal Park Indemnification)

FHAMS 2006-FA21 Senior $30.0 $22.7 $6.3 $5.2 $1.1 $1.0

(Royal Park Indemnification)

Total $575.7 $308.5 $223.2 $182.7 $40.5 $44.1

$576mm

Cumulative Loss 8%

60D+ Delinquent³ 7%

Performing UPB 32%

Paid Off 54%

Numbers & percentages may not add to total due to rounding. Data source: December 2013 Trustee Reports. FHN settled an outstanding complaint with FHLB Chicago in 2Q13.

1The complainants only purchased a portion of these tranches. Original UPB estimated based on the purchase price stated in the complaints. All other metrics prorated based on the ratio of purchase price to the total original UPB of the entire tranche. 2Royal Park is asking for indemnification on $100mm of the $190mm tranche as stated in the indemnification request.

360D+ Delinquent defined as a delinquency status of 60 days or more and also bankruptcies, foreclosures and REO in such status for 60 days or more.

24

Reconciliation to GAAP Financials

Slides in this presentation use non-GAAP information of net income, assets, net interest income, charge-offs, revenue, noninterest income and expense, and various ratios using one or more of those measures. That information is not presented according to generally accepted accounting principles (GAAP) & is reconciled to GAAP information below.

Four Quarter 1Q13 2Q13 3Q13 4Q13

2

Average

Return Net Interest Net Charge- Offs/ Fee Income / Efficiency

on Assets1 Margin Average Loans1 Total Revenue Ratio

Regional Banking (GAAP) 1.36% 4.90% 0.23% 30% 66%

Capital Markets (GAAP) 1.28% 1.02% 0.00% 93% 83%

Corporate (GAAP) —0.05% -1.00% NM NM NM

Core Businesses (Non-GAAP) 0.98% 3.18% 0.23% 48% 79%

Non-Strategic (GAAP) 0.44% 1.93% 1.26% 23% NM

Consolidated (GAAP) 0.89% 2.98% 0.44% 46% 90%

Regional Banking (GAAP) 1.50% 4.91% 0.14% 30% 62%

Capital Markets (GAAP) 1.16% 0.89% 0.00% 94% 85%

Corporate (GAAP) —0.78% -1.16% NM NM NM

Core Businesses (Non-GAAP) 0.88% 3.19% 0.14% 49% 77%

Non-Strategic (GAAP) —14.71% 1.88% 1.44% 48% NM

Consolidated (GAAP) —1.69% 2.97% 0.41% 49% NM

Regional Banking (GAAP) 1.34% 4.90% 0.29% 29% 62%

Capital Markets (GAAP) 1.29% 0.84% 0.00% 94% 83%

Corporate (GAAP) —0.70% -1.19% NM NM NM

Core Businesses (Non-GAAP) 0.83% 3.17% 0.28% 49% 75%

Non-Strategic (GAAP) 0.29% 1.97% 1.11% 32% 76%

Consolidated (GAAP) 0.74% 2.96% 0.46% 47% 75%

Regional Banking (GAAP) 1.55% 4.90% 0.18% 29% 63%

Capital Markets (GAAP) 1.94% 0.78% 0.00% 95% 77%

Corporate (GAAP) —0.59% -1.07% NM NM NM

Core Businesses (Non- GAAP) 1.05% 3.15% 0.18% 50% 74%

Non-Strategic (GAAP) —0.80% 2.04% 2.36% 39% 92%

Consolidated (GAAP) 0.73% 2.95% 0.67% 49% 76%

Regional Banking (GAAP) 1.44% 4.90% 0.21% 30% 63%

Capital Markets (GAAP) 1.42% 0.88% 0.00% 94% 82%

Corporate (GAAP) —0.53% -1.11% NM NM NM

Core Businesses (Non- GAAP) 0.93% 3.17% 0.21% 49% 76%

Non-Strategic (GAAP) —3.69% 1.96% 1.54% 35% NM

Consolidated (GAAP) 0.17% 2.96% 0.50% 48% 95%

Numbers may not add to total due to rounding.

1ROA and Net Charge-offs / Average loans are annualized.

2Average of quarters 1Q13 – 4Q13.

25

Reconciliation to GAAP Financials

Slides in this presentation use non-GAAP information of risk weighted assets, tangible common equity, net income, non-controlling interest, average common equity, intangibles, and various ratios using those measures. That information is not presented according to generally accepted accounting principles (GAAP) and is reconciled to GAAP information below.

($ in millions) 4Q13 3Q13 2Q13 1Q13 Average4

Core Businesses Return On Tangible Common Equity

Total FHN Risk Weighted Assets Estimate1 (Regulatory GAAP) $18,971 $19,276 $20,460 $20,232

Less: Non- Strategic Risk Weighted Assets Estimate1 (Regulatory Non- GAAP) $3,293 $3,435 $3,705 $3,885

Total Core Businesses2 Risk Weighted Assets Estimate (Non-GAAP) $15,679 $15,841 $16,756 $16,347

Total FHN Average Tangible Common Equity (Non- GAAP) $1,919 $1,923 $2,038 $2,064

Less: Non- Strategic Allocated Tangible Common Equity at the Tier 1 Common Ratio %3 (Non- GAAP) $351 $350 $384 $413

Total Core Businesses2 Average Tangible Common Equity (Non- GAAP) $1,568 $1,573 $1,653 $1,651

FHN Net Income Available to Common (GAAP) $49 ($107) $41 $41

Core Businesses2 Net Income Available to Common (Non- GAAP) $45 $40 $38 $50

FHN Annualized Return on Tangible Common Equity (Non- GAAP) 10.16% -22.17% 8.04% 8.05% 1.02%

Core Businesses2 Annualized Return on Tangible Common Equity (Non- GAAP) 11.36% 10.18% 9.17% 12.18% 10.72%

Core Businesses Net Income Available to Common

Corporate Net Income (GAAP) -$1 -$10 -$9 -$8

Less: Corporate Non- Controlling Interest (GAAP) $3 $3 $3 $3

Less: Corporate Preferred Stock Dividends (GAAP) $2 $2 $2 $1

Corporate Net Income Available to Common (Non- GAAP) -$5 -$15 -$13 -$12

Regional Banking Net Income (GAAP) $43 $49 $43 $50

Capital Markets Net Income (GAAP) $7 $6 $8 $12

Core Businesses2 Net Income Available to Common (Non- GAAP) $45 $40 $38 $50

Return on Tangible Common Equity

Average Common Equity (GAAP) $2,081 $2,091 $2,197 $2,220

Less: Average Intangibles (GAAP) $162 $168 $160 $156

Average Tangible Common Equity (Non- GAAP) $1,919 $1,923 $2,038 $2,064

FHN Net Income Available to Common (GAAP) $49 ($107) $41 $41

FHN Annualized Return on Tangible Common Equity (Non- GAAP) 10.16% -22.17% 8.04% 8.05% 1.02%

Numbers may not add to total due to rounding. 1Estimated by applying risk based capital regulations to period end assets.

2Core Businesses include the Regional Banking, Capital Markets, and Corporate segments.

3Applies the quarterly consolidated Tier 1 Common ratio to the Non-Strategic risk weighted assets. The 4Q13 Tier 1 Common ratio is an estimate.

4Average of quarters 1Q13-4Q13.

26

Reconciliation to GAAP Financials

Slides in this presentation use non-GAAP information of net interest income, FTE adjustments, revenue, noninterest expense, FTEs, and various ratios using one or more of those measures. That information is not presented according to generally accepted accounting principles (GAAP) & is reconciled to GAAP information below.

($ in millions)

Net Interest Margin 4Q13 3Q13 2Q13 1Q13 4Q12

Regional Banking Net interest income (GAAP) $146 $150 $148 $147 $155

Regional Banking FTE adjustment $2 $2 $2 $2 $2

Regional Banking Net interest income adjusted for impact of FTE (Non- GAAP) $148 $151 $150 $149 $157

Capital Markets Net interest income (GAAP) $4 $4 $4 $4 $4

Capital Markets FTE adjustment $0 $0 $0 $0 $0

Capital Markets Net interest income adjusted for impact of FTE (Non- GAAP) $4 $4 $4 $4 $5

Corporate Net interest income (GAAP) —$10 —$12 —$11 —$10 —$10

Corporate FTE adjustment $0 $0 $0 $0 $0

Corporate Net interest income adjusted for impact of FTE (Non- GAAP) —$10 —$12 —$11 —$10 —$10

Core Businesses Net interest income (Non- GAAP)1 $140 $142 $141 $141 $149

Core Businesses FTE adjustment (Non- GAAP)1 $2 $2 $2 $2 $2

Core Businesses Net interest income adjusted for impact of FTE (Non- GAAP)1 $142 $144 $143 $143 $151

Non- Strategic Net interest income (GAAP) $17 $17 $19 $20 $21

Non-Strategic FTE adjustment $0 $0 $0 $0 $0

Non- Strategic Net interest income adjusted for impact of FTE (Non- GAAP) $17 $17 $19 $20 $21

Consolidated Net interest income (GAAP) $157 $159 $160 $161 $171

Consolidated FTE adjustment $2 $2 $2 $2 $2

Consolidated Net interest income adjusted for impact of FTE (Non- GAAP) $159 $161 $162 $163 $172

Regional Banking Pre- Tax Pre-Provision Net Revenue (PPNR) 2013 2012

Total Revenue (GAAP) $839 $859

Total Noninterest Expense (GAAP) $531 $570

Pre- Tax Pre- Provision Net Revenue (Non- GAAP) $308 $289

Regional Banking Revenue Per FTE ($ in 000s) 2013 2012

Total Revenue (GAAP) $839,043 $858,950

Average FTEs 2,442 2,519

Revenue Per FTE (Non- GAAP) $344 $341

Numbers may not add to total due to rounding.

1Core Businesses include the Regional Banking, Capital Markets, and Corporate segments.

27

Reconciliation to GAAP Financials

Slides in this presentation use non-GAAP information of equity, assets, tier 1 capital, risk weighted assets, and various ratios using one or more of those measures. That information is not presented according to generally accepted accounting principles (GAAP) and is reconciled to GAAP information below.

($ in millions) 4Q13 3Q13 2Q13 1Q13 4Q12 Average3

Tangible Common Equity (Non- GAAP)

Total equity (GAAP) $2,500 $2,433 $2,546 $2,600 $2,509

Less: Noncontrolling interest $295 $295 $295 $295 $295

Less: Preferred stock $96 $96 $96 $96 $0

Total common equity $2,109 $2,042 $2,155 $2,209 $2,214

Less: intangible assets (GAAP)1 $164 $163 $164 $156 $157

Tangible common equity (Non- GAAP) $1,946 $1,880 $1,992 $2,053 $2,057

Less: unrealized gains on AFS securities, net of tax -$11 $11 $9 $49 $55

Adjusted tangible common equity (Non-GAAP) $1,957 $1,868 $1,982 $2,004 $2,002

Tangible Assets (Non-GAAP)

Total assets (GAAP) $23,793 $23,859 $24,853 $24,803 $25,334

Less: intangible assets (GAAP)1 $164 $163 $164 $156 $157

Tangible assets (Non- GAAP) $23,629 $23,696 $24,689 $24,647 $25,177

Tier 1 Common (Non-GAAP)

Tier 1 capital2 $2,611 $2,555 $2,712 $2,739 $2,641

Less: noncontrolling interest—FTBNA preferred stock $295 $295 $295 $295 $295

Less: Preferred stock $96 $96 $96 $96 $0

Less: trust preferred $200 $200 $200 $200 $200

Tier 1 common (Non-GAAP)2 $2,021 $1,965 $2,122 $2,148 $2,146

Risk Weighted Assets

Risk weighted assets2 $18,971 $19,276 $20,460 $20,232 $20,153

Ratios

Tangible common equity to tangible assets (TCE/TA) (Non- GAAP) 8.23% 7.93% 8.07% 8.33% 8.17% 8.14%

Total equity to total assets (GAAP) 10.51% 10.20% 10.25% 10.48% 9.90% 10.36%

Tier 1 common ratio to risk weighted assets (Non-GAAP)2 10.65% 10.19% 10.37% 10.62% 10.65% 10.46%

Tier 1 capital to total assets (GAAP)2 10.98% 10.71% 10.91% 11.04% 10.42% 10.91%

Tangible common equity to risk weighted assets (TCE/RWA) (Non-GAAP)2 10.26% 9.75% 9.73% 10.15% 10.21% 9.97%

Tangible common equity plus reserves to risk weighted assets (Non- GAAP)2 11.59% 11.08% 11.01% 11.46% 11.58% 11.29%

Total equity plus reserves to total assets (GAAP) 11.58% 11.27% 11.30% 11.55% 11.00% 11.42%

Numbers may not add to total due to rounding.

1Includes goodwill and other intangible assets, net of amortization.

2Current quarter is an estimate.

3Average of quarters 1Q13-4Q13.

28

Reconciliation to GAAP Financials

Slides in this presentation use non-GAAP information of income, expense, and various ratios using those measures. That information is not presented according to generally accepted accounting principles (GAAP) and is reconciled to GAAP information below.

Core Businesses’ Pre-Tax Income($ in millions) 4Q13

Regional Banking Pre-Tax Income (GAAP) $68

Capital Markets Pre-Tax Income (GAAP) $11

Corporate Pre-Tax Income (GAAP) -$21

Core Businesses’ Pre-Tax Income (Non-GAAP) 1 $57

Non-Strategic Pre-Tax Income (GAAP) -$40

Consolidated Pre-Tax Income (GAAP) $17

Adjusted Noninterest Expense ($ in millions) 4Q10 4Q11 4Q12 4Q13

Consolidated Noninterest Expense (GAAP) 328 312 $271 $260

Less: Litigation Charges (GAAP) 0 1 $4 $31

Adjusted Consolidated Noninterest Expense (Non- GAAP) $328 $311 $267 $229

Annualized Adjusted Consolidated Noninterest Expense (Non- GAAP) $1,313 $1,245 $1,068 $917

Peer group includes UBSI, ONB, TRMK, IBKC, BXS, UMBF, BOH, VLY, FULT, FCNCA, WTFC, TCB, SUSQ, HBHC, WBS, CBSH, CFR, ASBC, SNV, BOKF, FNFG. Peer data is a four quarter average of each metric from 4Q12-3Q13.

Numbers may not add to total due to rounding.

1Core Businesses include the Regional Banking, Capital Markets, and Corporate segments.

29