First Horizon National Corp. to Participate in the Merrill Lynch Banking and Financial Services Investor Conference


MEMPHIS, Tenn., Nov. 10, 2004 (PRIMEZONE) -- First Horizon National Corp. Chairman and CEO Ken Glass will speak at the Merrill Lynch Banking and Financial Services Investor Conference at the St. Regis Hotel in New York from 1:50 p.m. to 2:45 p.m. Eastern time Monday, Nov. 15. Management presentations from the conference will be audio webcast, both live and as replay for 14 days following the conference, through the Merrill Lynch event Web site at www.events.ml.com.

Projections and other forward-looking statements may be included and, if so, they involve significant risks and uncertainties. A number of factors could cause actual results to differ materially from those in the forward-looking information. Those factors are outlined in First Horizon's most recent 10-Q and 10-K. First Horizon disclaims any obligation to update any of the forward-looking statements that are made from time to time to reflect future events or developments.

About First Horizon

The 12,000 employees of First Horizon National Corp. (NYSE:FHN) provide financial services to individual 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, with one of the nation's top underwriters of 
    U.S. government agency securities 
 -- Mortgage banking, with one of the nation's top 15 mortgage  
    originators and 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, Business Week 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.FirstHorizon.com.



            

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