Tennessee Home Mortgage

First Horizon National Corporation is a large banking company based in Memphis, Tennessee, USA. It is the parent company of First Tennessee Bank and FTN Financial.

• First Tennessee Bank has the leading combined market deposit share in the 17 counties where it does business and one of the highest customer retention rates of any bank in the country.
• FTN Financial Group is an industry leader in fixed income sales, trading, and strategies for institutional clients in the U.S. and abroad.

First Tennessee is now the largest Tennessee-based bank (by far with recent merger of Union Planters Bank into Birmingham, Alabama-based Regions Financial Corporation), and the only Tennessee-based banking company with any genuine influence beyond the borders of the state.

Its logo, shared among all of FHNC's three subsidiaries, is a cutout portion of the Tennessee state flag.

Corporate History

Chartered in 1864 as First National Bank, First Horizon National Corporation (FHN) has grown to be one of the largest bank holding companies in the United States in terms of asset size.

FHN's approximately 6,000 employees provides financial services through about 180 bank locations in and around Tennessee and 21 FTN Financial Group offices in the U.S. and abroad. AARP and Working Mother magazine have recognized FHN as one of the nation's best employers.

In a transaction that closed on August 31, 2008, First Horizon sold to MetLife Bank, N.A., a wholly owned subsidiary of MetLife, Inc. (NYSE:MET), its approximately 250 mortgage production offices outside Tennessee and its loan origination and servicing platforms. Included in the transaction were approximately $380 million of total assets, including servicing rights related to $19 billion of first lien mortgage loans (all FNMA-conforming), and $300 million of custodial deposits related to assets sold.

First Tennessee Bank, First Horizon's principal banking subsidiary, continues to originate mortgages for customers in the bank's Tennessee-based market footprint.

Corporate Profile

In first quarter 2008, FHN revised its business line segments to better align with its strategic direction, representing a focus on its regional banking franchise and capital markets business. To implement this change, the prior Retail/Commercial Banking segment was split into its major components with the national portions of consumer lending and construction lending assigned to a new National Specialty Lending segment that more appropriately reflects the ongoing wind down of these businesses. Additionally, correspondent banking was shifted from Retail/Commercial Banking to the Capital Markets segment to better represent the complementary nature of these businesses. To reflect it geographic focus, the remaining portions of the Retail/Commercial Banking segment now represent the new Regional Banking segment.

• Regional Banking offers financial products and services, including traditional lending and deposit-taking, to retail and commercial customers in Tennessee and surrounding markets. Additionally, Regional Banking provides investments, insurance, financial planning, trust services and asset management, credit card, cash management, and check clearing services. On March 1, 2006, FHN sold its national merchant processing business. The continuing effects of the divestiture, which is included in the Regional Banking segment, are being accounted for as a discontinued operation.

• Captial Markets provides a broad spectrum of financial services for the investment and banking communities through the integration of traditional capital markets securities activities, equity research, loan sales, portfolio advisory services, structured finance and correspondent banking services.

• National Specialty Lending consists of traditional consumer and construction lending activities outside the regional banking footprint. In January 2008, FHN announced the discontinuation of national home builder and commercial real estate lending through its First Horizon Construction Lending offices.

• Mortgage Banking now consists of the origination of mortgage loans in and around the regional banking footprint and servicing activities related to the remaining portfolio. Historically, this division provided mortgage loans and servicing to consumers and operate in approximately 40 states. On August 31, 2008, FHN completed the sale of its servicing platform, origination offices outside Tennessee, and $19.1 billion in unpaid principal balance of the servicing portfolio to MetLife Bank, N.A., (MetLife).

• Corporate consists of unallocated corporate expenses including restructuring, repositioning, and efficiency initiatives, gains and losses on repurchases of debt, expenses on subordinated debt issuances and preferred stock, bank-owned life insurance, unallocated interest income associated with excess equity, net impact of raising incremental capital, revenue and expense associated with deferred compensation plans, funds management and venture capital.

State Licenses

For the purpose of securities sales, First Tennessee Brokerage (FTBR) is licensed in all U.S. states, except Alaska.

For the purpose of investment advisors, First Tennessee Brokerage (FTBR) is licensed to do business in the following states: Arkansas, Arizona, California, Delaware, Georgia, Maryland, Michigan, Missouri, North Carolina, Tennessee, Texas, Virginia, and Washington.

For the purpose of insurance sales and services, First Horizon Insurance Services, Inc. (FHIS) is licensed in all U.S. states except the following: Alaska and New Mexico.

Awards

• Named Best Adoption-Friendly Workplace in Tennessee in 2009
• Top 50 Companies for Executive Women ; National Association for Female Executives (NAFE), 2009.
• Named one of the Best Employers in Tennessee ; 2009.
• 100 Best Companies To Work For in America ; Fortune, eight consecutive years, 1998-2005.
• Best Banking Companies in the U.S. ; Forbes, 1997-2004.
• 100 Best Corporate Citizens ; Business Ethics, 2003, 2004, and 2005.
• 100 Best Companies for Working Mothers ; Working Mother, 1995-Present.
• 25 Best Employers for Workers Over 50 ; AARP, 2003 and 2005.
• Best Products of 2001 ; Business Week, December 17, 2001. For pioneering the Visa Payroll Card.
• 2003 Information Week 500 ; Information Week, September 22, 2003. 500 leading business users of technology.
• Annual CIO 100: 100 Leaders for the Next Millennium ; CIO, August 15, 1999

Former employee(s)

• Susan Schmidt Bies

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