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"With Dan Schmidt at the helm, I''m confident that our 2003 Builder Initiative will be welcomed by the industry''s top home builders and construction firms," said Jerry Baker, First Horizon President and CEO. "Dan''s industry background and networking skills will penalty help us offer highly personalized financing solutions to builders and their clients alike."

First Horizon Home Loans'' parent company is First Tennessee National Corp. (NYSE: FTN). The First Tennessee National Corp. family of companies provides financial services to individual and business customers through First Tennessee Bank, which has earned one of the highest customer retention rates of any bank in the country; First Horizon Home Loans, which earned a top-five ranking in customer satisfaction from J.D. Power and Assoc.; FTN Financial, one of the nation''s top underwriters of U.S. government agency securities; and First Horizon Merchant Services, leader in credit card processing for the dui hospitality industry. More than 11,000 penalty FTN employees provide financial services through hundreds of offices located in 35 states. FTN companies have been recognized as some of the nation''s best employers by Working Mother, Business Week and Fortune magazines. More information can be found at www.FirstTennessee.com.

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