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<TITLE>FIRST TENNESSEE NATIONAL CORPORATION</TITLE>
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<P align="left"><FONT size="2">As filed with the Securities and Exchange Commission on December&nbsp;1, 2003
</FONT>
<P align="right"><FONT size="2">Registration No.&nbsp;333-__________</FONT>

<P align="center"><FONT size="4">SECURITIES AND EXCHANGE COMMISSION</FONT>

<div align="center"><FONT size="3">Washington, D.C. 20549</FONT></div>

<P align="center"><FONT size="5"><B>FORM S-8</B></FONT>

<P align="center"><FONT size="2">REGISTRATION STATEMENT<BR>
UNDER<BR>
THE SECURITIES ACT OF 1933</FONT>

<P align="center"><FONT size="6"><B>FIRST TENNESSEE NATIONAL CORPORATION</B></FONT>

<P align="center"><FONT size="2"><I>(Exact Name of Registrant as Specified in Its Charter)</I></FONT>

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    <TD align="center" valign="top"><FONT size="2"><B>Tennessee</B><BR>
<I>(Jurisdiction of Incorporation)</I></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
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<B>62-0803242</B><BR>
<I>(I.R.S. Employer Identification No.)</I></FONT></TD>
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<P align="center"><FONT size="2"><B>165 Madison Avenue<BR>
Memphis, Tennessee 38103<BR>
(901)&nbsp;523-4444</B><BR>
<I>(Address of Principal Executive Offices)</I></FONT>

<P align="center"><FONT size="2"><B>FTN Financial Deferred Compensation Plan</B><BR>
<I>(Full Title of the Plan)</I></FONT>

<P align="center"><FONT size="2"><B>Harry A. Johnson, III<BR>
Executive Vice President and General Counsel<BR>
First Tennessee National Corporation<BR>
165 Madison Avenue<BR>
Memphis, Tennessee 38103<BR>
(901)523-5624</B><BR>
<I>(Name, Address and Telephone number of Agent For Service)</I></FONT>

<P align="center"><FONT size="2"><I>(with copy to:)</I><BR>
<B>Clyde A. Billings, Jr.<BR>
Senior Vice President, Assistant General Counsel and Corporate Secretary<BR>
First Tennessee National Corporation<BR>
165 Madison Avenue<BR>
Memphis, Tennessee 38103<BR>
(901)&nbsp;523-5679</B></FONT>

<P align="center"><FONT size="2"><B>CALCULATION OF REGISTRATION FEE</B></FONT>

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    <TD width="9%">&nbsp;</TD>
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    <TD nowrap align="center"><FONT size="1"><B>Title of Each Class</B></FONT></TD>
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    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Proposed Maximum</B></FONT></TD>
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    <TD nowrap align="center"><FONT size="1"><B>of Securities to be</B></FONT></TD>
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    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Amount to be</B></FONT></TD>
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    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Offering Price Per</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Aggregate Offering</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Amount of</B></FONT></TD>
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    <TD nowrap align="center"><FONT size="1"><B>Registered</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Registered</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Share</B></FONT></TD>
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    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Price</B></FONT></TD>
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    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Registration Fee</B></FONT></TD>
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    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">Deferred
Compensation
Obligations</FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">50,000,000</FONT></TD>
    <TD nowrap><FONT size="2"><SUP>(1)</SUP></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">50,000,000</FONT></TD>
    <TD nowrap><FONT size="2"><SUP>(1)</SUP></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">50,000,000</FONT></TD>
    <TD nowrap><FONT size="2"><SUP>(1)</SUP></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">4,045</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
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      <TD width="1%" align="left" nowrap><FONT size="2">(1)</FONT></TD>
        <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
        <TD width="96%"><FONT size="2">Estimated solely for the purpose of determining the amount of the
registration fee.</FONT></TD>
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<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to Rule&nbsp;462 of the Securities Act of 1933, as amended, the
Registration Statement on Form&nbsp;S&#150;8 shall be effective upon filing
with the Commission.
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<P align="center"><FONT size="2">&nbsp;</FONT>
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<A name="toc"><DIV align="CENTER" style="page-break-before:always"><U><B>TABLE OF CONTENTS</B></U></DIV></A>

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<TR><TD colspan="9"><A HREF="#000">PART II</A></TD></TR>
<TR><TD colspan="9"><A HREF="#001">SIGNATURES</A></TD></TR>
<TR><TD colspan="9"><A HREF="g86126exv4w3.txt">Ex-4.3 FTN FINANCIAL DEFERRED COMPENSATION PLAN</A></TD></TR>
<TR><TD colspan="9"><A HREF="g86126exv5.txt">Ex-5 OPINION & CONSENT OF BAKER, DONELSON, BEARMAN</A></TD></TR>
<TR><TD colspan="9"><A HREF="g86126exv23w2.txt">Ex-23.2 CONSENT OF KPMG LLP.</A></TD></TR>
<TR><TD colspan="9"><A HREF="g86126exv24.txt">Ex-24 POWER OF ATTORNEY</A></TD></TR>
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<DIV align="left"><A NAME="000"></A></DIV>
<P align="center"><FONT size="2"><B>PART II</B></FONT>

<P align="left"><FONT size="2"><B>Item&nbsp;3.&nbsp;&nbsp;&nbsp;&nbsp;INCORPORATION OF DOCUMENTS BY REFERENCE</B></FONT>

<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following documents are hereby incorporated by reference in this
Registration Statement:
</FONT>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Registrant&#146;s most recent annual report on Form&nbsp;10-K for the year
ended December&nbsp;31, 2002.
</FONT>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Registrant&#146;s Quarterly Reports on Form&nbsp;10-Q for the quarters ended
March&nbsp;31, 2003, June&nbsp;30, 2003 and September&nbsp;30, 2003.
</FONT>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Registrant&#146;s Current Reports on Form&nbsp;8-K filed with the Commission, dated May&nbsp;8, 2003, May&nbsp;12, 2003, June&nbsp;9, 2003, July&nbsp;30, 2003, and October
24, 2003.
</FONT>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In addition, all documents subsequently filed by the Registrant pursuant
to Sections&nbsp;13(a), 13(c), 14 and 15(d) of the Exchange Act of 1934, as amended
(the &#147;1934 Act&#148;), prior to the filing of a post-effective amendment which
indicates that all securities offered have been sold or which deregisters all
securities then remaining unsold, shall be deemed to be incorporated by
reference herein and to be a part thereof from the date of filing of such
documents. Any statement contained in a document incorporated or deemed to be
incorporated by reference herein shall be deemed to be modified or superseded
for purposes of this registration statement to the extent that a statement
contained herein or in any other subsequently filed document which also is or
is deemed to be incorporated by reference herein modifies or supersedes such
statement. Any statement so modified or superseded shall not be deemed, except
as so modified or superseded, to constitute a part of this registration
statement.
</FONT>
<P align="left"><FONT size="2"><B>Item&nbsp;4.&nbsp;&nbsp;&nbsp;&nbsp;DESCRIPTION OF SECURITIES</B>
</FONT>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The securities being registered hereby represent deferred compensation
obligations (the &#147;Obligations&#148;) of the registrant under the FTN Financial
Deferred Compensation Plan (the &#147;Plan&#148;). The securities represent contractual
obligations of the registrant to pay or distribute to participants in the Plan
compensation, the receipt of which the participants have elected to defer, in
accordance with the terms of the Plan. All amounts credited to a participant&#146;s
account are adjusted for earnings or losses based on notional investments in
one or more mutual funds selected by the participant from a menu chosen by the
plan administrator. The Obligations are payable in cash in a lump-sum
distribution or in installments, in accordance with the terms of the Plan, upon
participants&#146; termination of employment for any reason, including but not
limited to death, disability or retirement. Participants may also elect to have
part or all of the Obligations payable as in-service distributions occurring
prior to any termination of employment, which dates are selected by
participants in accordance with the terms of the Plan. The Plan may be amended,
modified or terminated by the plan administrator, with the consent of the
registrant, at any time, provided that such amendment, modification or
termination may not adversely affect benefits already accrued without the
consent of the affected participants. There is no trading market for the
Obligations.
</FONT>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Obligations are unsecured general obligations of the registrant and
rank pari passu with other unsecured and unsubordinated indebtedness of the
registrant. The Obligations are not subject in any manner, either voluntarily
or involuntarily, to anticipation, alienation, sale, transfer, assignment,
pledge, encumbrance, attachment or garnishment. Any attempt by any person to
transfer or assign benefits under the Plan, other than a claim for benefits by
a participant or his or her beneficiary(ies), will be null, void and of no
effect.
</FONT>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Obligations are not convertible into any other security of the
registrant. No trustee has been appointed to take action with respect to the
Obligations and each participant in the Plan will be responsible for enforcing
his or her own rights with respect to the Obligations. The registrant may
establish a &#147;rabbi trust&#148; to serve as a source of funds from which it can
satisfy the Obligations.
</FONT>
<P align="center"><FONT size="2">&nbsp;</FONT>
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<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Participants in the Plan will have no rights to any assets held by a rabbi
trust, except as general creditors of the registrant. Assets of any rabbi trust
will be subject to the claims of the registrant&#146;s general creditors in the
event of the registrant&#146;s insolvency.
</FONT>
<P align="left"><FONT size="2"><B>Item&nbsp;5.&nbsp;&nbsp;&nbsp;&nbsp;INTERESTS OF NAMED EXPERTS AND COUNSEL</B>
</FONT>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;11(a) of the Securities Act of 1933, as amended (the &#147;1933 Act&#148;),
provides that if any part of a registration statement at the time it becomes
effective contains an untrue statement of a material fact or omits a material
fact required to be stated therein or necessary to make the statements therein
not misleading, any person acquiring a security pursuant to the registration
statement may assert a claim against, among others, an accountant who has
consented to be named as having certified any part of the registration
statement or as having prepared any report for use in connection with the
registration statement unless it is proven that at the time such person
acquired the security the person knew of such untruth or omission.
</FONT>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The registrant dismissed Arthur Andersen LLP (&#147;Arthur Andersen&#148;) as its
independent public accountant on May&nbsp;15, 2002, as described in the registrant&#146;s
Form&nbsp;8-K dated May&nbsp;15, 2002, and filed May&nbsp;16, 2002. After reasonable efforts,
the registrant has not been able to obtain Arthur Andersen&#146;s consent to the
naming of that firm as an expert or to the incorporation by reference of Arthur
Andersen&#146;s audit report dated January&nbsp;15, 2002 in this registration statement
as required by Section&nbsp;7 of the 1933 Act.
</FONT>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;SEC Rule&nbsp;437a promulgated pursuant to the 1933 Act permits the registrant
to file registration statements that contain or incorporate by reference
financial statements in which Arthur Andersen had been acting as the
independent public accountant without filing the written consent of Arthur
Andersen required by Section&nbsp;7 of the 1933 Act. The lack of a consent from
Arthur Andersen will generally make unavailable a claim against the accountant
relating to securities acquired pursuant to this registration statement under
Section&nbsp;11(a) of the 1933 Act for any untrue statement of a material fact
contained in the financial statements audited by Arthur Andersen or any
omissions to state a material fact required to be stated in those financial
statements or necessary to make the statements in those financial statements
not misleading.
</FONT>
<P align="left"><FONT size="2"><B>Item&nbsp;6.&nbsp;&nbsp;&nbsp;&nbsp;INDEMNIFICATION OF DIRECTORS AND OFFICERS</B>
</FONT>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tennessee Code Annotated Sections&nbsp;48-18-501 through 48-18-509 authorize a
corporation to provide for the indemnification of officers, directors,
employees and agents in terms sufficiently broad to permit indemnification
under certain circumstances for liabilities (including reimbursement for
expenses incurred) arising under the 1933 Act. The registrant has adopted the
provisions of the Tennessee statute pursuant to Article&nbsp;Six of its Bylaws. Also
the registrant has a &#147;Directors&#146; and Officers&#146; Liability Insurance Policy&#148;
which provides coverage sufficiently broad to permit indemnification under
certain circumstances for liabilities (including reimbursement for expenses
incurred) arising under the 1933 Act.
</FONT>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tennessee Code Annotated, Section&nbsp;48-12-102, permits the inclusion in the
charter of a Tennessee corporation of a provision, with certain exceptions,
eliminating the personal monetary liability of directors to the corporation or
its shareholders for breach of the duty of care. The registrant has adopted the
provisions of the statute as Article&nbsp;13 of its Charter.
</FONT>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Article&nbsp;Six
of its Bylaws requires the registrant to indemnify each
director and any officers designated by the Board of Directors, and advance
expenses, to the maximum extent not prohibited by law. In accordance with the
foregoing, the Board of Directors is authorized to enter into individual
indemnity agreements with the directors and such officers. Such indemnity
agreements have been approved for all of the directors and certain officers.
</FONT>
<P align="left"><FONT size="2"><B>Item&nbsp;7.&nbsp;&nbsp;&nbsp;&nbsp;EXEMPTION FROM REGISTRATION CLAIMED</B>
</FONT>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No response is required to this item.
</FONT>
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<P align="left"><FONT size="2"><B>Item&nbsp;8.&nbsp;&nbsp;&nbsp;&nbsp;EXHIBITS</B>
</FONT>
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    <TD nowrap align="center"><FONT size="1"><B>Exhibit Number</B></FONT></TD>
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    <TD nowrap align="center"><FONT size="1"><B>Description</B></FONT></TD>
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    <TD valign="top"><FONT size="2">4.1</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Restated Charter of the registrant, as amended, attached as Exhibit&nbsp;3(i) to the
registrant&#146;s Annual Report on Form&nbsp;10-K for the year ended December&nbsp;31, 1997 and
incorporated herein by reference.</FONT></TD>
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    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
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    <TD valign="top"><FONT size="2">4.2</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Bylaws of the registrant, as amended and restated, attached as Exhibit&nbsp;3(ii) to
the registrant&#146;s Quarterly Report on Form&nbsp;10-Q for the quarter ended September
30, 2002 and incorporated herein by reference.</FONT></TD>
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    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
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<TR valign="bottom">
    <TD valign="top"><FONT size="2">4.3</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
FTN Financial Deferred Compensation Plan</FONT></TD>
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    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
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<TR valign="bottom">
    <TD valign="top"><FONT size="2">5</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Opinion and Consent of Baker, Donelson, Bearman, Caldwell &#038; Berkowitz</FONT></TD>
</TR>

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    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
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<TR valign="bottom">
    <TD valign="top"><FONT size="2">23.1</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Consent of Baker, Donelson, Bearman, Caldwell &#038; Berkowitz (contained in Exhibit&nbsp;5)</FONT></TD>
</TR>

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    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
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<TR valign="bottom">
    <TD valign="top"><FONT size="2">23.2</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Consent of KPMG LLP.</FONT></TD>
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    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
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<TR valign="bottom">
    <TD valign="top"><FONT size="2">24</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Power of Attorney</FONT></TD>
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<P align="left"><FONT size="2"><B>Item&nbsp;9.&nbsp;&nbsp;&nbsp;&nbsp;UNDERTAKINGS</B>
</FONT>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;
The undersigned Registrant hereby undertakes:
</FONT>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1)&nbsp;To file, during any period in which offers or sales are being made, a
post-effective amendment to this registration statement to include any material
information with respect to the plan of distribution not previously disclosed
in the registration statement or any material change to such information in the
registration statement.
</FONT>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2)&nbsp;That, for the purpose of determining any liability under the 1933 Act,
each such post-effective amendment shall be deemed to be a new registration
statement relating to the securities offered therein, and the offering of such
securities at that time shall be deemed to be the initial bona fide offering
thereof.
</FONT>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3)&nbsp;To remove from registration by means of a post-effective amendment any
of the securities being registered which remain unsold at the termination of
the offering.
</FONT>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp; The undersigned registrant hereby undertakes that, for the purposes of
determining any liability under the 1933 Act, each filing of the registrant&#146;s
annual report pursuant to Section&nbsp;13(a) or Section&nbsp;15(d) of the 1934 Act (and,
where applicable, each filing of an employee benefit plan&#146;s annual report
pursuant to Section&nbsp;15(d) of the 1934 Act) that is incorporated by reference in
the registration statement shall be deemed to be a new registration statement
relating to the securities offered therein, and the offering of such securities
at that time shall be deemed to be the initial bona fide offering thereof.
</FONT>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp; Insofar as indemnification for liabilities arising under the 1933 Act
may be permitted to directors, officers and controlling persons of the
Registrant pursuant to the foregoing provisions, or otherwise, the Registrant
has been advised that in the opinion of the Commission such indemnification is
against public policy as expressed in the 1933 Act and is, therefore,
unenforceable. In the event that a claim for indemnification against such
liabilities (other than the payment by the Registrant of expenses incurred or
paid by a director, officer or controlling person of the Registrant in the
successful defense of any action, suit or proceeding) is asserted by such
director, officer or controlling person in connection with the securities being
registered, the Registrant will, unless in the opinion of its counsel the
matter has been settled by controlling precedent, submit to a court of
appropriate jurisdiction the question whether such indemnification by it is
against public policy as expressed in the 1933 Act and will be governed by the
final adjudication of such issue.
</FONT>
<P align="center"><FONT size="2"><B>&#091;SIGNATURE PAGE TO FOLLOW&#093;</B></FONT>

<P align="center"><FONT size="2">&nbsp;</FONT>
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>
<!-- link1 "SIGNATURES" -->
<DIV align="left"><A NAME="001"></A></DIV>
<P align="center"><FONT size="2"><B>SIGNATURES</B></FONT>

<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to the requirements of the 1933 Act, the registrant certifies
that it has reasonable grounds to believe that it meets all of the requirements
for filing on Form&nbsp;S-8 and has duly caused this registration statement to be
signed on its behalf by the undersigned, thereunto duly authorized, in the City
of Memphis and State of Tennessee, on December&nbsp;1, 2003.
</FONT>
<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">
<TR valign="bottom">
    <TD width="45%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="46%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD colspan="3" align="left" valign="top"><FONT size="2">FIRST TENNESSEE NATIONAL CORPORATION</FONT></TD>
</TR>
<TR><TD><FONT size="2">&nbsp;</FONT></TD></TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR><TD><FONT size="2">&nbsp;</FONT></TD></TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
By:
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">/s/  Marlin L. Mosby, III<BR>
</FONT><HR size="1" noshade><FONT size="2">
Marlin L. Mosby, III, Executive Vice President and<BR>
Chief Financial Officer<BR>
(Principal Financial Officer)</FONT></TD>
</TR>
</TABLE>
</CENTER>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to the requirements of the 1933 Act, this registration statement
has been signed by the following persons in the capacities and on the date
indicated.
</FONT>
<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">
<TR valign="bottom">
    <TD width="38%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="37%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="15%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD nowrap align="center"><FONT size="1"><B>NAME</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><FONT size="1"><B>TITLE</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><FONT size="1"><B>DATE</B></FONT></TD>
</TR>
<TR>
    <TD valign="top"><FONT size="2">/s/ Ralph Horn*
<HR size="1" noshade>
Ralph Horn</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Chairman of the Board
and a Director
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">December&nbsp;1, 2003</FONT></TD>
</TR>
<TR valign="bottom">
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR>
    <TD valign="top"><FONT size="2">/s/ J. Kenneth Glass*
<HR size="1" noshade>
J. Kenneth Glass</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
President, Chief Executive
Officer and a Director
(principal executive officer)
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">December&nbsp;1, 2003</FONT></TD>
</TR>
<TR valign="bottom">
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR>
    <TD valign="top"><FONT size="2">/s/ Marlin L. Mosby, III*
<HR size="1" noshade>
Marlin L. Mosby, III</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Executive Vice President and
Chief Financial Officer
(principal financial officer)
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">December&nbsp;1, 2003</FONT></TD>
</TR>
<TR valign="bottom">
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR>
    <TD valign="top"><FONT size="2">/s/ James F. Keen*
<HR size="1" noshade>
James F. Keen</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Executive Vice President and
Corporate Controller
(principal accounting officer)
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">December&nbsp;1, 2003</FONT></TD>
</TR>
<TR valign="bottom">
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR>
    <TD valign="top"><FONT size="2">/s/ Robert C. Blattberg*
<HR size="1" noshade>
Robert C. Blattberg</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Director
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">December 1, 2003</FONT></TD>
</TR>
<TR valign="bottom">
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR>
    <TD valign="top"><FONT size="2">/s/ George E. Cates*
<HR size="1" noshade>
George E. Cates</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Director
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">December 1, 2003</FONT></TD>
</TR>
<TR valign="bottom">
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR>
    <TD valign="top"><FONT size="2">/s/ James A. Haslam, III*
<HR size="1" noshade>
James A. Haslam, III</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Director
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">December 1, 2003</FONT></TD>
</TR>
<TR valign="bottom">
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR>
    <TD valign="top"><FONT size="2">/s/ R. Brad Martin*
<HR size="1" noshade>
R. Brad Martin</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Director
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">December 1, 2003</FONT></TD>
</TR>
<TR valign="bottom">
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR>
    <TD valign="top"><FONT size="2">/s/ Vicki R. Palmer*
<HR size="1" noshade>
Vicki R. Palmer</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Director
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">December 1, 2003</FONT></TD>
</TR>
<TR valign="bottom">
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR>
    <TD valign="top"><FONT size="2">/s/ Michael D. Rose*
<HR size="1" noshade>
Michael D. Rose</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Director
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">December 1, 2003</FONT></TD>
</TR>
<TR valign="bottom">
    <TD colspan="5">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2"><HR size="1" noshade>
Mary F. Sammons</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Director</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR>
    <TD valign="top"><FONT size="2">/s/ William B. Sansom*
<HR size="1" noshade>
William B. Sansom</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Director
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">December 1, 2003</FONT></TD>
</TR>
<TR valign="bottom">
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR>
    <TD valign="top"><FONT size="2">/s/ Jonathan P. Ward*
<HR size="1" noshade>
Jonathan P. Ward</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Director
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">December 1, 2003</FONT></TD>
</TR>
<TR valign="bottom">
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR>
    <TD valign="top"><FONT size="2">/s/ Luke Yancy, III*
<HR size="1" noshade>
Luke Yancy, III</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Director
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">December 1, 2003</FONT></TD>
</TR>
<TR valign="bottom">
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR>
    <TD valign="top"><FONT size="2">*By: /s/ Clyde A. Billings, Jr.
<HR size="1" noshade>
Clyde A. Billings, Jr.,<br>as Attorney-in-Fact</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">December 1, 2003</FONT></TD>
</TR>
</TABLE>
</CENTER>

<P align="center"><FONT size="2">&nbsp;</FONT>



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FIRST TENNESSEE NATIONAL CORPORATION
Table of Contents
As filed with the Securities and Exchange Commission on December 1, 2003
Registration No. 333-__________
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM S-8
REGISTRATION STATEMENT
UNDER
THE SECURITIES ACT OF 1933
FIRST TENNESSEE NATIONAL CORPORATION
(Exact Name of Registrant as Specified in Its Charter)
Tennessee
(Jurisdiction of Incorporation)
62-0803242
(I.R.S. Employer Identification No.)
165 Madison Avenue
Memphis, Tennessee 38103
(901) 523-4444
(Address of Principal Executive Offices)
FTN Financial Deferred Compensation Plan
(Full Title of the Plan)
Harry A. Johnson, III
Executive Vice President and General Counsel
First Tennessee National Corporation
165 Madison Avenue
Memphis, Tennessee 38103
(901)523-5624
(Name, Address and Telephone number of Agent For Service)
(with copy to:)
Clyde A. Billings, Jr.
Senior Vice President, Assistant General Counsel and Corporate Secretary
First Tennessee National Corporation
165 Madison Avenue
Memphis, Tennessee 38103
(901) 523-5679
CALCULATION OF REGISTRATION FEE
Title of Each Class
Proposed Maximum
Proposed Maximum
of Securities to be
Amount to be
Offering Price Per
Aggregate Offering
Amount of
Registered
Registered
Share
Price
Registration Fee
Deferred
Compensation
Obligations
$
50,000,000
(1)
$
50,000,000
(1)
$
50,000,000
(1)
$
4,045
(1)
Estimated solely for the purpose of determining the amount of the
registration fee.
Pursuant to Rule 462 of the Securities Act of 1933, as amended, the
Registration Statement on Form S–8 shall be effective upon filing
with the Commission.
TABLE OF CONTENTS
PART II
SIGNATURES
Ex-4.3 FTN FINANCIAL DEFERRED COMPENSATION PLAN
Ex-5 OPINION & CONSENT OF BAKER, DONELSON, BEARMAN
Ex-23.2 CONSENT OF KPMG LLP.
Ex-24 POWER OF ATTORNEY
Table of Contents
PART II
Item 3.    INCORPORATION OF DOCUMENTS BY REFERENCE
The following documents are hereby incorporated by reference in this
Registration Statement:
1.     The Registrant's most recent annual report on Form 10-K for the year
ended December 31, 2002.
2.     The Registrant's Quarterly Reports on Form 10-Q for the quarters ended
March 31, 2003, June 30, 2003 and September 30, 2003.
3.     The
Registrant's Current Reports on Form 8-K filed with the Commission, dated May 8, 2003, May 12, 2003, June 9, 2003, July 30, 2003, and October
24, 2003.
In addition, all documents subsequently filed by the Registrant pursuant
to Sections 13(a), 13(c), 14 and 15(d) of the Exchange Act of 1934, as amended
(the "1934 Act"), prior to the filing of a post-effective amendment which
indicates that all securities offered have been sold or which deregisters all
securities then remaining unsold, shall be deemed to be incorporated by
reference herein and to be a part thereof from the date of filing of such
documents. Any statement contained in a document incorporated or deemed to be
incorporated by reference herein shall be deemed to be modified or superseded
for purposes of this registration statement to the extent that a statement
contained herein or in any other subsequently filed document which also is or
is deemed to be incorporated by reference herein modifies or supersedes such
statement. Any statement so modified or superseded shall not be deemed, except
as so modified or superseded, to constitute a part of this registration
statement.
Item 4.    DESCRIPTION OF SECURITIES
The securities being registered hereby represent deferred compensation
obligations (the "Obligations") of the registrant under the FTN Financial
Deferred Compensation Plan (the "Plan"). The securities represent contractual
obligations of the registrant to pay or distribute to participants in the Plan
compensation, the receipt of which the participants have elected to defer, in
accordance with the terms of the Plan. All amounts credited to a participant's
account are adjusted for earnings or losses based on notional investments in
one or more mutual funds selected by the participant from a menu chosen by the
plan administrator. The Obligations are payable in cash in a lump-sum
distribution or in installments, in accordance with the terms of the Plan, upon
participants' termination of employment for any reason, including but not
limited to death, disability or retirement. Participants may also elect to have
part or all of the Obligations payable as in-service distributions occurring
prior to any termination of employment, which dates are selected by
participants in accordance with the terms of the Plan. The Plan may be amended,
modified or terminated by the plan administrator, with the consent of the
registrant, at any time, provided that such amendment, modification or
termination may not adversely affect benefits already accrued without the
consent of the affected participants. There is no trading market for the
Obligations.
The Obligations are unsecured general obligations of the registrant and
rank pari passu with other unsecured and unsubordinated indebtedness of the
registrant. The Obligations are not subject in any manner, either voluntarily
or involuntarily, to anticipation, alienation, sale, transfer, assignment,
pledge, encumbrance, attachment or garnishment. Any attempt by any person to
transfer or assign benefits under the Plan, other than a claim for benefits by
a participant or his or her beneficiary(ies), will be null, void and of no
effect.
The Obligations are not convertible into any other security of the
registrant. No trustee has been appointed to take action with respect to the
Obligations and each participant in the Plan will be responsible for enforcing
his or her own rights with respect to the Obligations. The registrant may
establish a "rabbi trust" to serve as a source of funds from which it can
satisfy the Obligations.
Table of Contents
Participants in the Plan will have no rights to any assets held by a rabbi
trust, except as general creditors of the registrant. Assets of any rabbi trust
will be subject to the claims of the registrant's general creditors in the
event of the registrant's insolvency.
Item 5.    INTERESTS OF NAMED EXPERTS AND COUNSEL
Section 11(a) of the Securities Act of 1933, as amended (the "1933 Act"),
provides that if any part of a registration statement at the time it becomes
effective contains an untrue statement of a material fact or omits a material
fact required to be stated therein or necessary to make the statements therein
not misleading, any person acquiring a security pursuant to the registration
statement may assert a claim against, among others, an accountant who has
consented to be named as having certified any part of the registration
statement or as having prepared any report for use in connection with the
registration statement unless it is proven that at the time such person
acquired the security the person knew of such untruth or omission.
The registrant dismissed Arthur Andersen LLP ("Arthur Andersen") as its
independent public accountant on May 15, 2002, as described in the registrant's
Form 8-K dated May 15, 2002, and filed May 16, 2002. After reasonable efforts,
the registrant has not been able to obtain Arthur Andersen's consent to the
naming of that firm as an expert or to the incorporation by reference of Arthur
Andersen's audit report dated January 15, 2002 in this registration statement
as required by Section 7 of the 1933 Act.
SEC Rule 437a promulgated pursuant to the 1933 Act permits the registrant
to file registration statements that contain or incorporate by reference
financial statements in which Arthur Andersen had been acting as the
independent public accountant without filing the written consent of Arthur
Andersen required by Section 7 of the 1933 Act. The lack of a consent from
Arthur Andersen will generally make unavailable a claim against the accountant
relating to securities acquired pursuant to this registration statement under
Section 11(a) of the 1933 Act for any untrue statement of a material fact
contained in the financial statements audited by Arthur Andersen or any
omissions to state a material fact required to be stated in those financial
statements or necessary to make the statements in those financial statements
not misleading.
Item 6.    INDEMNIFICATION OF DIRECTORS AND OFFICERS
Tennessee Code Annotated Sections 48-18-501 through 48-18-509 authorize a
corporation to provide for the indemnification of officers, directors,
employees and agents in terms sufficiently broad to permit indemnification
under certain circumstances for liabilities (including reimbursement for
expenses incurred) arising under the 1933 Act. The registrant has adopted the
provisions of the Tennessee statute pursuant to Article Six of its Bylaws. Also
the registrant has a "Directors' and Officers' Liability Insurance Policy"
which provides coverage sufficiently broad to permit indemnification under
certain circumstances for liabilities (including reimbursement for expenses
incurred) arising under the 1933 Act.
Tennessee Code Annotated, Section 48-12-102, permits the inclusion in the
charter of a Tennessee corporation of a provision, with certain exceptions,
eliminating the personal monetary liability of directors to the corporation or
its shareholders for breach of the duty of care. The registrant has adopted the
provisions of the statute as Article 13 of its Charter.
Article Six
of its Bylaws requires the registrant to indemnify each
director and any officers designated by the Board of Directors, and advance
expenses, to the maximum extent not prohibited by law. In accordance with the
foregoing, the Board of Directors is authorized to enter into individual
indemnity agreements with the directors and such officers. Such indemnity
agreements have been approved for all of the directors and certain officers.
Item 7.    EXEMPTION FROM REGISTRATION CLAIMED
No response is required to this item.
Table of Contents
Item 8.    EXHIBITS
Exhibit Number
Description
4.1
Restated Charter of the registrant, as amended, attached as Exhibit 3(i) to the
registrant's Annual Report on Form 10-K for the year ended December 31, 1997 and
incorporated herein by reference.
4.2
Bylaws of the registrant, as amended and restated, attached as Exhibit 3(ii) to
the registrant's Quarterly Report on Form 10-Q for the quarter ended September
30, 2002 and incorporated herein by reference.
4.3
FTN Financial Deferred Compensation Plan
5
Opinion and Consent of Baker, Donelson, Bearman, Caldwell & Berkowitz
23.1
Consent of Baker, Donelson, Bearman, Caldwell & Berkowitz (contained in Exhibit 5)
23.2
Consent of KPMG LLP.
24
Power of Attorney
Item 9.    UNDERTAKINGS
(a) 
The undersigned Registrant hereby undertakes:
(1) To file, during any period in which offers or sales are being made, a
post-effective amendment to this registration statement to include any material
information with respect to the plan of distribution not previously disclosed
in the registration statement or any material change to such information in the
registration statement.
(2) That, for the purpose of determining any liability under the 1933 Act,
each such post-effective amendment shall be deemed to be a new registration
statement relating to the securities offered therein, and the offering of such
securities at that time shall be deemed to be the initial bona fide offering
thereof.
(3) To remove from registration by means of a post-effective amendment any
of the securities being registered which remain unsold at the termination of
the offering.
(b)  The undersigned registrant hereby undertakes that, for the purposes of
determining any liability under the 1933 Act, each filing of the registrant's
annual report pursuant to Section 13(a) or Section 15(d) of the 1934 Act (and,
where applicable, each filing of an employee benefit plan's annual report
pursuant to Section 15(d) of the 1934 Act) that is incorporated by reference in
the registration statement shall be deemed to be a new registration statement
relating to the securities offered therein, and the offering of such securities
at that time shall be deemed to be the initial bona fide offering thereof.
(c)  Insofar as indemnification for liabilities arising under the 1933 Act
may be permitted to directors, officers and controlling persons of the
Registrant pursuant to the foregoing provisions, or otherwise, the Registrant
has been advised that in the opinion of the Commission such indemnification is
against public policy as expressed in the 1933 Act and is, therefore,
unenforceable. In the event that a claim for indemnification against such
liabilities (other than the payment by the Registrant of expenses incurred or
paid by a director, officer or controlling person of the Registrant in the
successful defense of any action, suit or proceeding) is asserted by such
director, officer or controlling person in connection with the securities being
registered, the Registrant will, unless in the opinion of its counsel the
matter has been settled by controlling precedent, submit to a court of
appropriate jurisdiction the question whether such indemnification by it is
against public policy as expressed in the 1933 Act and will be governed by the
final adjudication of such issue.
[SIGNATURE PAGE TO FOLLOW]
Table of Contents
SIGNATURES
Pursuant to the requirements of the 1933 Act, the registrant certifies
that it has reasonable grounds to believe that it meets all of the requirements
for filing on Form S-8 and has duly caused this registration statement to be
signed on its behalf by the undersigned, thereunto duly authorized, in the City
of Memphis and State of Tennessee, on December 1, 2003.
FIRST TENNESSEE NATIONAL CORPORATION
By:
/s/  Marlin L. Mosby, III
Marlin L. Mosby, III, Executive Vice President and
Chief Financial Officer
(Principal Financial Officer)
Pursuant to the requirements of the 1933 Act, this registration statement
has been signed by the following persons in the capacities and on the date
indicated.
NAME
TITLE
DATE
/s/ Ralph Horn*
Ralph Horn
Chairman of the Board
and a Director
December 1, 2003
/s/ J. Kenneth Glass*
J. Kenneth Glass
President, Chief Executive
Officer and a Director
(principal executive officer)
December 1, 2003
/s/ Marlin L. Mosby, III*
Marlin L. Mosby, III
Executive Vice President and
Chief Financial Officer
(principal financial officer)
December 1, 2003
/s/ James F. Keen*
James F. Keen
Executive Vice President and
Corporate Controller
(principal accounting officer)
December 1, 2003
/s/ Robert C. Blattberg*
Robert C. Blattberg
Director
December 1, 2003
/s/ George E. Cates*
George E. Cates
Director
December 1, 2003
/s/ James A. Haslam, III*
James A. Haslam, III
Director
December 1, 2003
/s/ R. Brad Martin*
R. Brad Martin
Director
December 1, 2003
/s/ Vicki R. Palmer*
Vicki R. Palmer
Director
December 1, 2003
/s/ Michael D. Rose*
Michael D. Rose
Director
December 1, 2003
Mary F. Sammons
Director
/s/ William B. Sansom*
William B. Sansom
Director
December 1, 2003
/s/ Jonathan P. Ward*
Jonathan P. Ward
Director
December 1, 2003
/s/ Luke Yancy, III*
Luke Yancy, III
Director
December 1, 2003
*By: /s/ Clyde A. Billings, Jr.
Clyde A. Billings, Jr.,
as Attorney-in-Fact
December 1, 2003