Document:

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                                                                   Exhibit 10(i)

                      FIRST TENNESSEE NATIONAL CORPORATION
                  AMENDED AND RESTATED PENSION RESTORATION PLAN
                            ADOPTED OCTOBER 25, 1995
                        (As Amended and Restated 1-15-02)

I.       PURPOSE

         This Plan is established by First Tennessee National Corporation and
         any successor thereto and its subsidiaries (herein collectively
         referred to as "the Company") for the purpose of encouraging and
         enabling the Company to attract, motivate and retain key executives and
         for the purpose of providing benefits for certain members of the First
         Tennessee National Corporation Pension Plan (hereinafter called "the
         Program") in excess of the limitations of benefits and contributions
         imposed in respect to such Program by Section 415 and any excess that
         may result from any limitation on compensation that may be considered
         by the Program pursuant to Section 401(a)(17), of the Internal Revenue
         Code of 1986 ("IRC"), as amended.

II.      EFFECTIVE DATE

         The original effective date of the Pension Restoration Plan
         (hereinafter referred to as the "Plan") was January 1, 1984. The
         effective date of this Amended and Restated Pension Restoration Plan
         shall be October 25, 1995.

III.     ADMINISTRATION AND ELIGIBILITY

         A.       The Plan will be administered by the Administration Committee
                  (hereinafter referred to as the "Committee") consisting of the
                  Chief Executive Officer of the Company, the President and
                  Chief Operating Officer of the Company and the Executive
                  Vice President, Employee Services of the Company. The
                  selection of Executives of the Company who will participate
                  will be made by the Committee, except for Executives who have
                  been designated by the Board of Directors as Executive
                  Officers, whose participation in the Plan must be approved by
                  the Human Resources Committee of the Board of Directors, and
                  they will receive benefits in accordance with the provisions
                  of the Plan.

         B.       The Committee will have the discretion, authority and
                  responsibility (1) of interpreting the Plan and any agreement
                  evidencing benefits granted hereunder, and (2) making all
                  other determinations in connection with the administration of
                  the Plan, all of which shall be final and conclusive.

IV.      PAYMENT OF BENEFITS

         A.       In order to qualify to receive the benefits set forth in
                  Paragraph VI, below, a participant must remain employed until
                  age 65, unless an early retirement date is approved by the
                  Human Resources Committee of the Board of Directors.

         B.       Benefits payable pursuant to the terms of the Plan shall be
                  paid directly from the general assets of the Company. Should
                  the Company establish any advance reserve, such reserve or
                  fund shall not under any circumstances be deemed to be an
                  asset of the Plan nor a source of payment of any claims under
                  the Plan but, at all times, shall remain a part of the general
                  assets of the Company.

V.       RETIREMENT DATE

         A participant shall be retired under this Plan on the same Retirement
         Date applicable for him/her under the Program.

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VI.      CALCULATION OF BENEFITS

         Commencing with the first month immediately following retirement, each
         Participant shall receive a monthly payment equal to the difference
         between (A) and (B) below, in each case determined without regard to
         Section 11.3(b) of the Program:

         A.       The monthly pension that would have been payable from the
                  Program; determined under its rules on the Participant's
                  Retirement Date, but as if the limitations imposed by IRC
                  Section 415 and Section 401(a)(17) did not apply.

         B.       The actual monthly pension payable to the Participant from the
                  Program.

         Any monthly payment under the Plan shall be payable in the same manner
         and under the same terms and conditions as payments due from the
         Program.

VII.     CLAIMS PROCEDURES

         All claims for benefits under the Plan shall be submitted in writing to
         the Committee. A Participant whose claim for benefits is denied shall
         have the right to a written explanation of the specific reasons for
         such denial and may request the Committee to reconsider such denial.
         Upon such a request for reconsideration the Committee shall review its
         decision with the Participant who may submit in writing such facts and
         issues, and may review such documents as may be pertinent. The
         Committee shall render its decision in writing within sixty days. The
         Committee's decision shall then be final and conclusive.

VIII.    MISCELLANEOUS

         A.       Nonalienability. No benefit payable at any time hereunder
                  shall be subject in any manner to alienation, sale, transfer,
                  assignment, pledge, attachment or other legal process, or
                  encumbrances of any kind. Any attempt to alienate, sell,
                  transfer, assign, pledge or otherwise encumber any such
                  benefit, whether currently or hereafter payable, shall be
                  void. Except as otherwise specifically provided by law, no
                  such benefit shall, in any manner, be liable for or subject to
                  the debts or liabilities of any participant or any other
                  person entitled to such benefit.

         B.       No Rights to Employment. The Plan shall not be construed as
                  providing any participant with the right to be retained in the
                  Company's employ or to receive any benefit not specifically
                  provided hereunder.

         C.       Amendment and Termination. The Company shall have the right,
                  at any time and from time to time, to amend in whole or in
                  part, or to terminate any of the provisions of the Plan, and
                  such amendment or termination shall be binding upon all
                  participants and parties interest. Notwithstanding the
                  foregoing, the benefits payable hereunder may not be reduced
                  or terminated for those participants who have attained age 65,
                  or for whom an early retirement date has been approved by the
                  Human Resources Committee of the Board of Directors, acting
                  pursuant to Section IV(A) hereof.

         D.       Governing Law. The Plan shall be governed by and construed in
                  accordance with the Employee Retirement Income Security Act of
                  1974 (P.L. 93-406) and to the extent not pre-empted thereby,
                  by the laws of the State of Tennessee.

         E.       Successors. This Plan shall bind any successor of the Company,
                  its assets or its businesses (whether direct or indirect, by
                  purchase, merger, consolidation or otherwise), in the same
                  manner and to the same extent that the Company would be
                  obligated under this Plan if no succession had taken place. In
                  the case of any transaction in which a successor would not by
                  the foregoing provision or by operation of law be bound by
                  this Plan, the Company shall require such successor expressly
                  and unconditionally to assume and agree to perform the
                  Company's obligations under this Plan, in the same manner and
                  to the same extent that the Company would be required to
                  perform if no such succession

                                   Page 2 of 5
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                  had taken place. The term "Company," as used in the Plan,
                  shall mean the Company as hereinbefore defined and any
                  successor or assignee to the business or assets which by
                  reason hereof becomes bound by this Plan.

IX.      CHANGE IN CONTROL

         A.       "Change in Control" means the occurrence of any one of the
                  following events:

                  (I) individuals who, on January 21, 1997, constitute the Board
                  (the "Incumbent Directors") cease for any reason to constitute
                  at least a majority of the Board, provided that any person
                  becoming a director subsequent to January 21, 1997, whose
                  election or nomination for election was approved by a vote of
                  at least three-fourths (3/4) of the Incumbent Directors then
                  on the Board (either by a specific vote or by approval of the
                  proxy statement of the Company in which such person is named
                  as a nominee for director, without written objection to such
                  nomination) shall be an Incumbent Director; provided, however,
                  that no individual elected or nominated as a director of the
                  Company initially as a result of an actual or threatened
                  election contest with respect to directors or as a result of
                  any other actual or threatened solicitation of proxies or
                  consents by or on behalf of any person other than the Board
                  shall be deemed to be an Incumbent Director;

                  (ii) any "Person" (as defined under Section 3(a)(9) of the
                  Securities Exchange Act of 1934, as amended (the "Exchange
                  Act") and as used in Section 13(d) or Section 14(d) of the
                  Exchange Act) is or becomes a "beneficial owner" (as defined
                  in Rule 13d-3 under the Exchange Act), directly or indirectly,
                  of securities of the Company representing 20% or more of the
                  combined voting power of the Company's then outstanding
                  securities eligible to vote for the election of the Board (the
                  "Company Voting Securities"); provided, however, that the
                  event described in this paragraph (ii) shall not be deemed to
                  be a change in control by virtue of any of the following
                  acquisitions: (A) by the Company or any entity in which the
                  Company directly or indirectly beneficially owns more than 50%
                  of the voting securities or interests (a "Subsidiary"), (B) by
                  an employee stock ownership or employee benefit plan or trust
                  sponsored or maintained by the Company or any Subsidiary, (C)
                  by any underwriter temporarily holding securities pursuant to
                  an offering of such securities, or (D) pursuant to a
                  Non-Qualifying Transaction (as defined in paragraph (iii));

                  (iii) consummation of a merger, consolidation, share exchange
                  or similar form of corporate transaction involving the Company
                  or any of its Subsidiaries that requires the approval of the
                  Company's shareholders, whether for such transaction or the
                  issuance of securities in the transaction (a "Business
                  Combination"), unless immediately following such Business
                  Combination: (A) more than 50% of the total voting power of
                  (x) the corporation resulting from such Business Combination
                  (the "Surviving Corporation"), or (y) if applicable, the
                  ultimate parent corporation that directly or indirectly has
                  beneficial ownership of 100% of the voting securities eligible
                  to elect directors of the Surviving Corporation (the "Parent
                  Corporation"), is represented by Company Voting Securities
                  that were outstanding immediately prior to the consummation of
                  such Business Combination (or, if applicable, is represented
                  by shares into which such Company Voting Securities were
                  converted pursuant to such Business Combination), and such
                  voting power among the holders thereof is in substantially the
                  same proportion as the voting power of such Company Voting
                  Securities among the holders thereof immediately prior to the
                  Business Combination, (B) no person (other than any employee
                  benefit plan sponsored or maintained by the Surviving
                  Corporation or the Parent Corporation), is or becomes the
                  beneficial owner, directly or indirectly, of 20% or more of
                  the total voting power of the outstanding voting securities
                  eligible to elect directors of the Parent Corporation (or, if
                  there is no Parent Corporation, the Surviving Corporation) and
                  (C) at least a majority of the members of the board of
                  directors of the Parent Corporation (or, if there is no Parent
                  Corporation, the Surviving Corporation) were Incumbent
                  Directors at the time of the Board's approval of the execution
                  of the initial agreement providing for such Business
                  Combination (any Business Combination which satisfies all of
                  the criteria specified in (A), (B) and (C) above shall be
                  deemed to be a "Non-Qualifying Transaction"); or

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                  (iv) the shareholders of the Company approve a plan of
                  complete liquidation or dissolution of the Company or a sale
                  of all or substantially all of the Company's assets.

         Notwithstanding the foregoing, a Change in Control of the Company shall
         not be deemed to occur solely because any person acquires beneficial
         ownership of more than 20% of the Company Voting Securities as a result
         of the acquisition of Company Voting Securities by the Company which
         reduces the number of Company Voting Securities outstanding; provided,
         that if after such acquisition by the Company such person becomes the
         beneficial owner of additional Company Voting Securities that increases
         the percentage of outstanding Company Voting Securities beneficially
         owned by such person, a change in control of the Company shall then
         occur.

         B.       Notwithstanding anything herein to the contrary, the benefits
                  payable under the Plan (both benefits that have accrued at the
                  time of a Change in Control and those that accrue thereafter)
                  may not be reduced or terminated after a Change in Control for
                  any individual who was a participant in the Plan at the time
                  of the Change in Control.

         C.       (1) Notwithstanding anything in the Plan to the contrary, in
                  the event a Change in Control or the "Pre-Change in Control
                  Date" (as defined below) occurs, the Company shall make a lump
                  sum payment ("Payment") to each Participant (including any
                  Participant currently receiving benefits under the Plan) on a
                  date (the "Distribution Date") no later than 2 business days
                  after the Change in Control has occurred (or, if an agreement
                  to effectuate a Change in Control pursuant to a Business
                  Combination has been executed, on the date (the "Pre-Change in
                  Control Date") that is the third business day prior to the
                  date the Chief Executive Officer of the Company believes in
                  good faith will be the effective date of such Change in
                  Control, but in any event prior to the effective date of such
                  Change in Control).

                  (2) The Payment shall be in an amount equal to the accrued
                  benefit (the "Accrued Benefit") under the Plan as of the
                  Distribution Date converted into an Actuarially Equivalent
                  lump sum (in accordance with the provisions of paragraphs (3)
                  through (6) below). For purposes of determining the
                  Actuarially Equivalent lump sum of an Accrued Benefit, the
                  mortality table specified under the Program for actuarial
                  equivalence and an interest rate of 4.2% shall be used.

                  (3) If a Participant is age 65 or older as of the Distribution
                  Date, the Accrued Benefit shall be converted to an Actuarially
                  Equivalent lump sum assuming that such Participant (a) retired
                  on the Distribution Date and (b) immediately commenced receipt
                  of the Accrued Benefit in the normal form of benefit under the
                  Program.

                  (4) If a Participant has not attained age 65 as of the
                  Distribution Date, but is at least age 55, the Accrued Benefit
                  shall be converted to an Actuarially Equivalent lump sum
                  assuming that (a) such Participant retired on the Distribution
                  Date, (b) the Accrued Benefit was reduced for early
                  commencement using the reduction factors specified in the
                  Program determined without regard to Section 11.3(b) of the
                  Program and (c) such Participant immediately commenced receipt
                  of such reduced Accrued Benefit in the normal form of benefit
                  under the Program.

                  (5) If a Participant has not attained age 55 as of the
                  Distribution Date, the Accrued Benefit shall first be
                  converted to an Actuarially Equivalent lump sum assuming that
                  (a) such Participant was age 55 on the Distribution Date, (b)
                  the Accrued Benefit was reduced for early commencement using
                  the reduction factors specified in the Program determined
                  without regard to Section 11.3(b) of the Program for a
                  Participant retiring at age 55 and (c) such Participant
                  commenced receipt at age 55 of such reduced Accrued Benefit in
                  the normal form of benefit under the Program. Such Actuarially
                  Equivalent lump sum shall then be further reduced from age 55
                  to such Participant's actual age as of the Distribution Date,
                  using an interest rate of 4.2% but without any reduction for
                  mortality.

                                   Page 4 of 5
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                  (6) Notwithstanding anything to the contrary in this Section
                  IX.C, in the event any Participant (or any Participant's
                  beneficiary) is receiving benefit payments under the Plan as
                  of the Distribution Date (such Participant or beneficiary, a
                  "Retiree"), the amount of the Payment payable to such Retiree
                  shall be the Actuarially Equivalent lump sum value of such
                  remaining benefit payments that would otherwise be payable to
                  such Retiree.

                  (7) With respect to any Retiree, the Payment payable under
                  this Section IX.C shall be in lieu of, and in full settlement
                  of, any other remaining amounts that would have been payable
                  to such Retiree had a Change in Control (or the Pre-Change in
                  Control Date) not occurred, and the Company shall have no
                  further obligations to such Retiree after such Payment is
                  made. With respect to any Participant other than a Retiree, in
                  the event the Plan is continued and not terminated following a
                  Change in Control, any amount finally determined under Section
                  VI of the Plan upon such Participant's actual retirement shall
                  be offset by the amount of the Accrued Benefit (as converted
                  to the applicable form of benefit) determined under this
                  Section IX.C."

                                   Page 5 of 5<PAGE>
                                                                   EXHIBIT 10(o)

January 11, 2002

Mr. John C. Kelley, Jr.
First Tennessee Bank
165 Madison Ave.
Memphis, TN 38101

Dear John,

This letter describes the components of the special separation package approved
by the Human Resources Committee of First Tennessee Bank, National Association
(the "Company"). This letter also contains a Non-Solicitation and Non-Compete
Agreement.

I.       EMPLOYEE BENEFITS

         Pension and Supplemental Retirement

         Based on an election of the 50% Joint & Survivor (with 120 month
         guarantee) Option for your early retirement benefit under the FTNC
         Pension Plan, you will receive approximately $4100.(*) each month
         beginning February 1, 2002.

         In addition to the monthly pension benefit, you will receive a
         supplemental retirement payment of approximately $250,944.(*) per year
         which will be paid in bi-weekly payments of approximately $9,651.69(*)
         beginning on February 8, 2002. These payment are also based on the 50%
         Joint & Survivor (with 120 month guarantee) Option. The total monthly
         payments from FTNC Pension and supplemental retirement will be equal to
         $25,012.

         All of these payments will be eligible for any cost of living increases
         that may be provided in the future to retirees through the FTNC Pension
         Plan.

         (*) These numbers are estimates. These amounts will be finalized after
         your retirement date (January 25, 2002). However, please note the
         pension payment and supplemental payment combined will equal $25,012
         per month.
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         Deferred Compensation

         Your account in the Directors and Executives Deferral Plan will
         continue to accrue interest at the Applicable Rate. The first payment
         will be made on or about the January 31st following your 65th birthday
         (i.e. January 31, 2009). The monthly payment, based on the current
         Applicable Rate, will be $18,497.00 per month ($221,964 annually) for a
         period of 180 months (or 15 years). A summary of your total projected
         benefits under the Deferral Plan will be provided to you.

         Restricted Stock

         There are currently 29,479 shares of restricted FTNC stock in your
         TARSAP account. Subject to remittance to the Company of all applicable
         withholding taxes, the Committee has approved that the Company release
         the restrictions on these shares that are currently not vested. These
         restrictions will be released on January 25, 2002.

         Management Incentive Plan

         The Committee has approved the payment of the incentive that you would
         have earned for 2001. This share is dependent on the percentage
         achievement of your personal performance plan and is subject to the
         Corporate grid. It is estimated that your Personal Plan achievement is
         approximately 90% and the Corporate grid is 100%.

         Medical Insurance

         You may continue your medical coverage, as an early retiree, provided
         you make the necessary premium payments. At your death, your spouse
         will have free coverage for two years and at the end of the two years,
         she can continue coverage by paying the necessary premiums unless she
         remarries or becomes covered by another group medical plan. As is the
         case with all of our retirees, First Tennessee reserves the right to
         change premiums, make plan revisions or terminate the plan at any time.

         Executive Survivor Life Insurance

         At your death, a survivor's income benefit will be paid under the
         Company's Survivor Benefits Plan to your beneficiary. The benefit will
         be equal to two times your final year's base salary (exclusive of
         incentive or bonus compensation). This taxable survivor's benefit,
         based on your final salary, will be $1,008,378. In the event of a
         Change in Control, your benefit under the Plan cannot be reduced.

         Group Life Insurance and Voluntary Group Life

         You have $50,000 of group term life insurance that will cease as of
         January 25, 2002. You have no voluntary group life insurance.

         You may convert your group term life insurance coverage to a whole life
         insurance policy within 31 days of your coverage ending. Please contact
         us if you would like a conversion form.
<PAGE>

These benefits extensions are in addition to other benefits to which you would
otherwise be entitled upon your Early Retirement.

II.      RELEASE AND WAIVER

         In consideration for the benefits described in paragraph I above, and
         other good and valuable consideration, the receipt of which you
         acknowledge by your signature in the space provided below, you do, for
         yourself, your heirs, personal representatives, agents and assigns,
         fully, absolutely, and unconditionally release, acquit and forever
         discharge the Company, and its parent, First Tennessee National
         Corporation, and any and all of their predecessors, successors,
         assigns, subsidiaries, parents, affiliates, and their respective
         directors, officers, employees and agents, attorneys and
         representatives, both past, present, or future, from any and all
         claims, losses, demands, liabilities, causes of action, fees (including
         attorney's fees), compensation, back pay and/or front pay, employment
         or re-employment and any other benefits, obligation or liability of any
         kind, known or unknown, whether heretofore asserted or unasserted,
         including but not limited to all causes of action arising out of or in
         any way related to your employment by the Bank, or your termination,
         whether arising out of or related to Title VII of the Civil Rights Act
         of 1964, as amended ("Title VII"); the amendments to Title VII of the
         Civil Rights Act of 1991; The Federal Americans with Disabilities Act
         of 1990; and the AGE DISCRIMINATION IN EMPLOYMENT ACT OF 1967, AS
         AMENDED, (the "ADEA"), the Tennessee Human Rights Commission Act,
         Tennessee Code Annotated section 4-21-101 et seq., and Tennessee Code
         Annotated 8-50-103 (Employment of the Handicapped), or any other
         federal or state, local, city statute, code, ordinance, rule,
         regulation, or common law governing, controlling or otherwise dealing
         with employment, employment discrimination or equal employment
         opportunity, unemployment compensation, employment termination, or
         otherwise all causes of action occurring from the beginning of time to
         the date of this Agreement.

         Nothing in the above paragraph amends any of the terms of the Indemnity
         Agreement between you and First Tennessee National Corporation dated
         January 20, 1998, which remains in full force and effect.

III.     ACKNOWLEDGMENT OF COMPLIANCE

         Because this Agreement includes a release and waiver as to claims under
         the AGE DISCRIMINATION IN EMPLOYMENT ACT, your signature below
         acknowledges that it complies with the Older Workers Benefit Protection
         Act ("OWBPA") of 1990 and further acknowledges that you confirm,
         understand and agree to the terms and conditions of this Agreement;
         that these terms are written in lay persons terms, and that you have
         been fully advised of your right to seek the advice and assistance of
         consultants, including an attorney, as well as tax advisors to review
         this Agreement.

         Your signature below also acknowledges that you understand that you
         have twenty-one (21) full days to consider whether to sign this
         Agreement. By signing this Agreement on the date shown below, you
         voluntarily elect to forego waiting twenty-one (21) full days to sign
         this Agreement.
<PAGE>

IV.      RIGHT OF REVOCATION

         Your signature also acknowledges that, in Compliance with the OWBPA
         mentioned above, you have been fully advised by the Company of your
         right to revoke and nullify this release and Agreement, which right
         must be exercised if at all, within seven (7) days of the date of your
         signature. Any revocation of this must be in writing, addressed to the
         Company, attention Bill Schwindt, and the Company must be notified
         within the foregoing seven-day period. This Agreement will not become
         effective or enforceable until the expiration of the seven-day period.
         In no event shall payment be made by the Company on or before the
         effective date.

V.       CONFIDENTIALITY AND NON-DISCLOSURE

         In order to protect the legitimate interests of the Company, and its
         subsidiaries, you agree that you will not disclose to others, whether
         directly or indirectly, any proprietary information relating to the
         Company's business plans or other confidential business information
         and/or trade secrets of the Company which you received or to which you
         were given access during your employment with the Company.

         This obligation of confidentiality and non-disclosure shall also apply
         to the content and substance of this letter, except, of course, it may
         be disclosed to any attorney, financial or tax consultant from whom you
         seek advice. If the confidentiality provisions of this Agreement are
         violated by you, then you will be responsible for all costs and
         enforcement costs including, but not limited to, attorney's fees.

VI.      NON-SOLICITATION AND NON-COMPETE

         A.       Non-Solicitation / Non-Hire - For a period of two years
                  following the termination of your employment, you agree that
                  you will not, either on your own behalf or on behalf of any
                  other person or entity, directly or indirectly, hire, solicit,
                  or encourage to leave the employment of the Company any person
                  who is then an employee of the Company or who was an employee
                  of the Company within six months of the date of such hiring,
                  soliciting, or encouragement to leave the Company.

         B.       Non-Compete - For a period of two (2) years following the
                  termination of your employment, you agree not to compete with
                  the Company or any and all of its subsidiaries, parents or
                  affiliates, by accepting employment from or having any other
                  relationship (including, without limitation, through owning,
                  managing, operating, controlling or consulting) with a
                  financial services business, or any affiliate thereof, which
                  is in competition with the Company and has a business location
                  within fifty (50) miles of Memphis or any of its affiliated
                  banking offices in Tennessee, unless you have received the
                  prior written consent of the Employee Services Division
                  Manager.

                  You acknowledge and agree that the restrictions set forth in
                  paragraphs V & VI hereof are reasonable and necessary for the
                  protection of the Company business and goodwill. You further
                  agree that if you breach or threaten to breach any of your
                  obligations in sections V and VI of this Agreement, the
                  Company, in addition to any other remedies available to it
                  under the law, may obtain specific
<PAGE>

                  performance and/or injunctive relief against you to prevent
                  such continued or threatened breach. You also acknowledge and
                  agree that the Company shall be reimbursed by you for all
                  attorney's fees and costs incurred by it in enforcing any of
                  its rights or remedies under sections V and VI of this
                  Agreement.

VII.     RETURN OF DOCUMENTS

         By your signature, you acknowledge and confirm that you have returned
         to the Company any and all documents belonging to it, as well as any
         other property which belongs to it, and that no such documents or
         materials or property have been retained by you.

VIII.    BINDING EFFECT

         Upon your signing this Agreement, and after the expiration of seven (7)
         days, it will become effective and is binding upon you and the Company
         and its respective successors, assigns, heirs and personal
         representatives, as is discussed in paragraph II above.

IX.      SEVERABILITY

         A finding that any provision of this Agreement is void or unenforceable
         shall not affect the validity or enforceability of any other provisions
         of this Agreement.

X.       DRAFTING

         This Agreement is a product of negotiations between the parties and in
         construing the provisions of this Agreement, no inference or
         presumption shall be drawn against either party on the basis of which
         party or their attorneys drafted this Agreement.

XI.      CAPTIONS

         The captions to the various paragraphs of this Agreement are for
         convenience only and are not part of this Agreement.

XII.     SOLE AGREEMENT

         By your signature, you also confirm that the only consideration for
         your signing this Agreement are the terms set forth within it, and that
         no other promise or agreement of any kind has been made to you by the
         Company or anyone acting by, for, or on its behalf.

YOU ALSO AFFIRM THAT YOU HAVE BEEN FREE TO DISCUSS THIS MATTER PRIVATELY AND
THOROUGHLY WITH AN ATTORNEY OF YOUR CHOICE AND THAT YOU FULLY UNDERSTAND THE
MEANING AND INTENT OF THIS AGREEMENT, INCLUDING, BUT NOT LIMITED TO, ITS FINAL
AND BINDING EFFECT.

This Agreement is signed in duplicate originals at First Tennessee Bank National
Association, Memphis, Tennessee.
<PAGE>

The benefits that have been approved by the Human Resources Committee are, of
course, conditioned on your acceptance of the terms of this letter, expressed by
your signature in the space provided below.

Sincerely,

/s/ Sarah L. Meyerrose
------------------------------
Sarah L. Meyerrose
EVP Manager, Employee Services

I HAVE READ, UNDERSTOOD AND KNOWINGLY AND VOLUNTARILY SIGNED AND ACCEPTED WITH
FULL KNOWLEDGE OF MY RIGHTS ON THE DATE SET FORTH BELOW.

/s/ John C. Kelley, Jr.                 1-11-02
--------------------------          ------------------------------
John C. Kelley, Jr.                 Date

Witnessed by:

/s/ Ingrid O. Chilton                   1-11-02
--------------------------          ------------------------------
Ingrid O. Chilton                   Date

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