EXHIBIT 10.3

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GRANT NOTICE

 

MIP-Driven Restricted Stock

[Participant Name]

Congratulations! You have been granted shares of Restricted Stock (RS) of First
Horizon National Corporation as follows:

 

GRANT DATE

  —    ___________, 2013

GOVERNING PLAN

  —    Equity Compensation Plan

TOTAL NUMBER OF RS SHARES GRANTED

  —    _____________

VESTING DATES (ONE-THIRD ON EACH DATE)

  —    First three anniversaries of Grant Date

This RS award is granted under the Governing Plan specified above, and is
governed by the terms and conditions of that Plan and by policies, practices,
and procedures (“Procedures”) of the Compensation Committee (that administers
the Plan) that are in effect during the vesting period. Also, this RS award is
subject to the terms and restrictions of FHNC’s stock ownership guidelines and
Compensation Recovery Policy (“Policy”) as in effect during the vesting period.

This RS award is subject to possible forfeiture in accordance with the Plan,
Procedures, and Policy. As of the Grant Date, the Procedures provide (among
other things) that:

(a) forfeiture generally will occur immediately upon termination of employment —
you must remain continuously employed by FHNC or one of its subsidiaries through
the close of business on the applicable vesting date; but

(b) if your termination of employment occurs because of your death or permanent
disability, this award immediately will vest pro-rata based on the portion of
each vesting period that has elapsed at that time and only the remainder of the
award will be forfeited.

One effect of clause (a) is that retirement unrelated to permanent disability
normally results in the immediate forfeiture of unvested RS shares.

Also, each portion of this RS award will be forfeited, or if already vested you
must pay in cash to FHNC the gross pre-tax value of that portion measured at
vesting, if during the restriction period applicable to that portion you, either
on your own behalf or on behalf of any other person or entity, in any manner
directly or indirectly solicit, hire, or encourage any person who is then an
employee or customer of FHNC or any of its subsidiaries or affiliates to leave
the employment of, or to end, diminish, or move any of his, her, or its accounts
or relationships with, FHNC or any of its subsidiaries or affiliates. For each
portion of this award, the restriction period begins on the Grant Date and ends
on the second anniversary of that portion’s vesting date.

In addition, because this award is granted as partial payment of a bonus under
the Management Incentive Plan, this award is subject to possible forfeiture
pursuant to that Plan or by operation of the Policy in relation to bonuses under
that Plan. By accepting this RS award, you acknowledge that FHNC may reduce or
offset other amounts owed to you, including but not limited to wages or
commissions owed, among other things, to satisfy any repayment obligation.

The Compensation Committee reserves the right, in its sole discretion, to
accelerate vesting; no employee has any right to receive acceleration. As of the
Grant Date, the Committee’s Procedures allow you to request pro-rata vesting of
RS shares if you retire at or after age 65 with at least 5 years of service
prior to normal vesting. If such a request were granted, only the remaining
shares would forfeit.

RS shares are non-transferable. Your RS shares generally will be held by FHNC
until vesting. You may vote your RS shares prior to vesting.

FHNC will accrue dividends declared upon your RS shares during the vesting
period and pay them pro-rata at vesting. No interest will accrue on cash
dividends. Stock splits and stock dividends will result in a proportionate
adjustment to the RS award as provided in the Plan and Procedures. If RS shares
are forfeited, any related accrued dividends are forfeited also.

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Vesting is a taxable event for you. Your withholding and other taxes will depend
upon FHNC’s stock value on the vesting date and the amount of dividend
equivalents distributed to you. As of the Grant Date, the Committee’s Procedures
provide that FHNC will withhold shares and dividends at vesting in the amount
necessary to cover your required withholding taxes; however, the Procedures may
be changed at any time. You are not permitted to make any election in accordance
with Section 83(b) of the Internal Revenue Code of 1986, as amended, to include
in your gross income for federal income tax purposes the value of the RS shares
this year. If you make a Section 83(b) election, it will result in the
forfeiture of your RS shares.

Questions about your restricted stock award?

Important information concerning the Plan and this RS award is contained in a
prospectus. Copies of the current prospectus (including all applicable
supplements) are delivered separately, and you may request a copy of the
Governing Plan or prospectus at any time. If you have questions about your RS
award or need a copy of the Governing Plan, related prospectus, or current
administrative procedures for equity awards, contact Fidelity Investment’s
Executive Relationship Officer at                 . For all your personal stock
incentive information, you may view your award and other information on
Fidelity’s website at www.NetBenefits.com.

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