''AARP Best Employers for Workers Over 50'' List Includes First Horizon National Corp. For Third Consecutive Year

September 2, 2005

MEMPHIS, Tenn – AARP has for the third consecutive year named First Horizon National Corp. (NYSE: FHN) to its annual list of AARP Best Employers for Workers Over 50. AARP also awarded First Horizon one of its first Bernard E. Nash Awards for Innovation for flexible work options.

At First Horizon, managers and employees work together to find solutions that meet both business and personal needs. Some flexible work options that First Horizon offers include:

Prime-time employee status – allows an employee with at least one year of service to reduce weekly work hours to as few as 20 hours without losing full-time benefits

Formal flex time – allows an employee to shift work hours

Informal flex time – allows an employee to be absent during normal work hours and make up the time within the same pay period

Telecommuting/flex place – allows an employee to work from a location other than the office, such as at home

First Horizon, the parent company of First Horizon Home Loans, FTN Financial, First Horizon Bank and First Tennessee Bank, also offers its employees transfer opportunities to its offices in 48 states and a personnel representative dedicated to retirees and employees nearing retirement.

AARP recognized the 50 companies on its 2005 list for their best practices and policies for valuing the mature worker. The entrants were evaluated on innovative practices toward workers 50 and older including recruitment practices, continuing opportunities for advancement, flexible work schedules and benefits for current and retired employees. More information is available at www.aarp.com.

About First Horizon

The 13,000 employees of First Horizon National Corp. (NYSE: FHN) provide financial services to individuals and business customers through hundreds of offices located in more than 40 states. The corporation’s three major brands — FTN Financial, First Horizon and First Tennessee – provide customers with a broad range of products and services including:

Capital markets, one of the nation’s top underwriters of U.S. government agency securities

Mortgage banking, one of the nation’s top 20 mortgage originators and top 15 servicers, which earned a top-10 ranking in customer satisfaction from J.D. Power and Associates

Retail/commercial banking, with the largest market share in Tennessee and one of the highest customer retention rates of any bank in the country

FHN companies have been recognized as some of the nation’s best employers by AARP, Working Mother and Fortune magazines. FHN also was named one of the nation’s 100 best corporate citizens by Business Ethics magazine. More information can be found at www.fhnc.com.