Document:

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                                                                    EXHIBIT 10.2

                        MORTGAGE LOAN PURCHASE AGREEMENT

         For Ten Dollars ($10.00) and other good and valuable consideration, the
receipt and sufficiency of which are hereby acknowledged, FIRST TENNESSEE BANK
NATIONAL ASSOCIATION (the "Seller"), does hereby transfer, sell and convey to
FIRST HORIZON ASSET SECURITIES INC., a Delaware corporation (the "Purchaser"),
and the Purchaser does hereby purchase and acquire on the terms set forth
herein, certain mortgage loans owned by the Seller (the "Mortgage Loans") which
Mortgage Loans are more particularly listed and described in Schedule A attached
hereto and made a part hereof.

         This Mortgage Loan Purchase Agreement ("Agreement") is executed upon
the following terms and conditions:

                                   DEFINITIONS

         Closing Date:  September 30, 2002.

         Custodian: LaSalle Bank National Association, a national banking
association, and its successors and assigns, as custodian under the Custodial
Agreement dated as of September 30, 2002 by and among The Bank of New York, as
trustee, First Horizon Home Loan Corporation, as master servicer, and the
Custodian.

         Cut-Off Date: September 1, 2002.

         FHHLC: First Horizon Home Loan Corporation, a Kansas corporation, in
its capacity as the seller of the Mortgage Loans pursuant to MLPA I.

         MLPA I: The mortgage loan purchase agreement, dated as of September 30,
2002, between First Horizon Home Loan Corporation, as seller, and First
Tennessee Bank National Association, as purchaser, as related to the transfer,
sale and conveyance of the Mortgage Loans.

         Mortgage: The mortgage, deed of trust or other instrument creating a
first lien on the property securing a Mortgage Note.

         Mortgage File: The mortgage documents listed in Section 2.1 pertaining
to a particular Mortgage Loan and any additional documents required to be added
to the Mortgage File pursuant to this Agreement or the related Pooling and
Servicing Agreement.

         Mortgage Loans: The mortgage loans transferred, sold and conveyed by
the Seller to the Purchaser, pursuant to this Agreement.

         Mortgage Note: The original executed note or other evidence of
indebtedness evidencing the indebtedness of a Mortgagor under a Mortgage Loan.

         Mortgaged Property: The underlying property securing a Mortgage Loan,
which, with respect to a Cooperative Loan, is the related Coop Shares and
Proprietary Lease.

         Mortgagor: The obligor(s) on a Mortgage Note.

<PAGE>

         Pooling and Servicing Agreement: The pooling and servicing agreement,
dated as of September 1, 2002, by and among First Horizon Asset Securities Inc.,
as depositor, First Horizon Home Loan Corporation, as master servicer, and The
Bank of New York, as trustee, as related to the creation and issuance of the
Mortgage Pass-Through Certificates, Series 2002-AR1.

         Purchase Price: $215,410,955.

         Purchaser: First Horizon Asset Securities Inc., a Delaware corporation,
in its capacity as purchaser of the Mortgage Loans pursuant to this Agreement.

         Seller: First Tennessee Bank National Association, and its successors
and assigns, in its capacity as seller of the Mortgage Loans pursuant to this
Agreement.

         Trustee: The Bank of New York and its successors and, if a successor
trustee is appointed hereunder, such successor.

         Capitalized terms used but not otherwise defined herein shall have the
meanings ascribed thereto in the Pooling and Servicing Agreement.

                                    ARTICLE I
                                Purchase and Sale

         Section 1.1 Purchase Price. In consideration for the payment to it of
the Purchase Price on the Closing Date, pursuant to written instructions
delivered by the Seller to the Purchaser on the Closing Date, the Seller does
hereby transfer, sell and convey to the Purchaser on the Closing Date, but with
effect from the Cut-off Date, without recourse, (i) all right, title and
interest of the Seller in the Mortgage Loans and all property securing such
Mortgage Loans, including all interest and principal received or receivable by
the Seller with respect to the Mortgage Loans on or after the Cut-off Date and
all interest and principal payments on the Mortgage Loans received on or prior
to the Cut-off Date in respect of installments of interest and principal due
thereafter, but not including payments of principal and interest due and payable
on the Mortgage Loans on or before the Cut-off Date, (ii) all of the Seller's
rights as Purchaser under MLPA I including, without limitation, the rights of
the Seller to require FHHLC to cure breaches of representations and warranties
with respect to the Mortgage Loans as provided thereunder, and (iii) all
proceeds from the foregoing. Items (i) through (iii) in the preceding sentence
are herein referred to collectively as "Mortgage Assets."

         Section 1.2 Timing. The sale of the Mortgage Assets hereunder shall
take place on the Closing Date.

                                   ARTICLE II
                             Conveyance and Delivery

         Section 2.1 Delivery of Mortgage Files. In connection with the transfer
and assignment set forth in Section 1.1 above, the Seller has delivered or
caused to be delivered to the Custodian (or, in the case of the Delay Delivery
Mortgage Loans, will deliver or cause to be delivered to the Custodian within
thirty (30) days following the Closing Date) the following

                                       -2-

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documents or instruments with respect to each Mortgage Loan so assigned
(collectively, the "Mortgage Files"):

      (a)        (1)  the original Mortgage Note endorsed by manual or facsimile
           signature in blank in the following form: "Pay to the order of
           ________________, without recourse," with all intervening
           endorsements showing a complete chain of endorsement from the
           originator to the Person endorsing the Mortgage Note (each such
           endorsement being sufficient to transfer all right, title and
           interest of the party so endorsing, as noteholder or assignee
           thereof, in and to that Mortgage Note); or

                 (2)  with respect to any Lost Mortgage Note, a lost note
           affidavit from the Seller stating that the original Mortgage Note was
           lost or destroyed, together with a copy of such Mortgage Note;

      (b)  except as provided below, the original recorded Mortgage or a copy of
           such Mortgage certified by the Seller as being a true and complete
           copy of the Mortgage;

      (c)  a duly executed assignment of the Mortgage in blank (which may be
           included in a blanket assignment or assignments), together with,
           except as provided below, all interim recorded assignments of such
           mortgage (each such assignment, when duly and validly completed, to
           be in recordable form and sufficient to effect the assignment of and
           transfer to the assignee thereof, under the Mortgage to which the
           assignment relates); provided that, if the related Mortgage has not
           been returned from the applicable public recording office, such
           assignment of the Mortgage may exclude the information to be provided
           by the recording office;

      (d)  the original or copies of each assumption, modification, written
           assurance or substitution agreement, if any;

      (e)  either the original or duplicate original title policy (including all
           riders thereto) with respect to the related Mortgaged Property, if
           available, provided that the title policy (including all riders
           thereto) will be delivered as soon as it becomes available, and if
           the title policy is not available, and to the extent required
           pursuant to the second paragraph below or otherwise in connection
           with the rating of the Certificates, a written commitment or interim
           binder or preliminary report of the title issued by the title
           insurance or escrow company with respect to the Mortgaged Property,
           and

      (f)  in the case of a Cooperative Loan, the originals of the following
           documents or instruments:

                 (1)  The Coop Shares, together with a stock power in blank;

                 (2)  The executed Security Agreement;

                 (3)  The executed Proprietary Lease;

                                       -3-

<PAGE>

                  (4)  The executed Recognition Agreement;

                  (5)  The executed UCC-1 financing statement with evidence of
           recording thereon which have been filed in all places required to
           perfect the Seller's interest in the Coop Shares and the Proprietary
           Lease; and

                  (6)  Executed UCC-3 financing statements or other appropriate
           UCC financing statements required by state law, evidencing a complete
           and unbroken line from the mortgagee to the Trustee with evidence of
           recording thereon (or in a form suitable for recordation).

                                  ARTICLE III
                         Representations and Warranties

      Section 3.1 Representations and Warranties of the Seller. (a) The Seller
hereby represents and warrants to the Purchaser, as of the date of execution and
delivery hereof, that:

           (1)    The Seller is duly organized as a national banking association
      and is validly existing under the laws of the United States of America.

           (2)    The Seller has the requisite power and authority to sell each
      Mortgage Loan, and to execute, deliver and perform, and to enter into and
      consummate the transactions contemplated by this Agreement and has duly
      authorized by all necessary action on the part of the Seller the
      execution, delivery and performance of this Agreement; and this Agreement,
      assuming the due authorization, execution and delivery thereof by the
      other parties thereto, constitutes a legal, valid and binding obligation
      of the Seller, enforceable against the Seller in accordance with its
      terms, except that (a) the enforceability thereof may be limited by
      bankruptcy, insolvency, moratorium, receivership and other similar laws
      relating to creditors' rights generally or of creditors of depository
      institutions, the accounts of which are insured by the FDIC, and (b) the
      remedy of specific performance and injunctive and other forms of equitable
      relief may be subject to equitable defenses and to the discretion of the
      court before which any proceeding therefor may be brought.

           (3)    The execution and delivery of this Agreement by the Seller,
      the sale of the Mortgage Loans by the Seller under this Agreement, the
      consummation of any other of the transactions contemplated by this
      Agreement, and the fulfillment of or compliance with the terms thereof are
      in the ordinary course of business of the Seller and will not (a) result
      in a material breach of any term or provision of the charter or by-laws of
      the Seller or (b) materially conflict with, result in a material breach,
      violation or acceleration of, or result in a material default under, the
      terms of any other material agreement or instrument to which the Seller is
      a party or by which it may be bound, or (c) constitute a material
      violation of any statute, order or regulation applicable to the Seller of
      any court, regulatory body, administrative agency or governmental body
      having jurisdiction over the Seller; and the Seller is not in breach or
      violation of any material indenture or other material agreement or
      instrument, or in violation of any statute, order or regulation of any
      court, regulatory body, administrative agency or governmental body having
      jurisdiction

                                       -4-

<PAGE>

      over it which breach or violation may materially impair the Seller's
      ability to perform or meet any of its obligations under this Agreement.

           (4)    No litigation is pending or, to the best of the Seller's
      knowledge, threatened against the Seller that would prohibit the execution
      or delivery of, or performance under, this Agreement by the Seller.

      (b)  The Seller hereby assigns, transfers and conveys to the Purchaser all
of its rights with respect to the Mortgage Loans including, without limitation,
the representations and warranties of FHHLC made pursuant to MLPA I, together
with all rights of the Seller to require FHHLC to cure any breach thereof or to
repurchase or substitute for any affected Mortgage Loan in accordance with MLPA
I.
      It is understood and agreed that the obligation under MLPA I of FHHLC to
cure, repurchase or replace any Mortgage Loan as to which a breach has occurred
and is continuing shall constitute the sole remedy against FHHLC respecting such
breach available to the Purchaser on its behalf.

      It is understood and agreed that the representations and warranties set
forth in this Section 3.1 shall survive the sale of the Mortgage Loans to the
Purchaser hereunder and the subsequent transfer of the Mortgage Loans by the
Purchaser to the Trustee pursuant to the Pooling and Servicing Agreement.

                                   ARTICLE IV
                                  Miscellaneous

      Section 4.1 Transfer Intended as Sale. It is the express intent of the
parties hereto that the conveyance of the Mortgage Loans by the Seller to the
Purchaser be, and be construed as, absolute sales thereof. It is, further, not
the intention of the parties that such conveyances be deemed a pledge thereof by
the Seller to the Purchaser. However, in the event that, notwithstanding the
intent of the parties, the Mortgage Loans are held to be the property of the
Seller or the Purchaser, respectively, or if for any other reason this Agreement
is held or deemed to create a security interest in such assets, then (i) this
Agreement shall be deemed to be a security agreement within the meaning of the
Uniform Commercial Code of the State of Texas and (ii) the conveyance of the
Mortgage Loans provided for in this Agreement shall be deemed to be an
assignment and a grant by the Seller to the Purchaser of a security interest in
all of the Mortgage Loans, whether now owned or hereafter acquired.

      The Seller and the Purchaser shall, to the extent consistent with this
Agreement, take such actions as may be necessary to ensure that, if this
Agreement were deemed to create a security interest in the Mortgage Loans, such
security interest would be deemed to be a perfected security interest of first
priority under applicable law and will be maintained as such throughout the term
of the Agreement. The Seller and the Purchaser shall arrange for filing any
Uniform Commercial Code continuation statements in connection with any security
interest granted hereby.

      Section 4.2 Seller's Consent to Assignment. The Seller hereby consents to
the assignment, transfer and conveyance by the Purchaser to the Purchaser's
designee of the rights with respect to the Mortgage Loans granted to the
Purchaser pursuant to the representations and warranties made by Seller in
Section III hereof, including the representations and warranties made by FHHLC
in the Mortgage Loan Purchase Agreement.

      Section 4.3 Specific Performance. Either party may enforce specific
performance of this Agreement.

      Section 4.4 Notices. All notices, demands and requests that may be given
or that are required to be given hereunder shall be sent by United States
certified mail, postage prepaid, return receipt requested, to the parties at
their respective addresses as follows:

                                       -5-

<PAGE>

                  If to the Purchaser:         4000 Horizon Way
                                               Irving, Texas 75063
                                               Attn: Wade Walker

                  If to the Seller:            165 Madison Avenue
                                               Memphis, Tennessee 38103
                                               Attn: Clyde A. Billings, Jr.

      Section 4.5 Choice of Law. This Agreement shall be construed in accordance
with and governed by the substantive laws of the State of Texas applicable to
agreements made and to be performed in the State of Texas and the obligations,
rights and remedies of the parties hereto shall be determined in accordance with
such laws.

      Section 4.6 Acknowledgment of FHHLC. FHHLC hereby acknowledges the
provisions of this Agreement, including the duties of FHHLC created hereunder
and the assignment of the representations and warranties made by FHHLC pursuant
to MLPA I.

                  [remainder of page intentionally left blank]

                                       -6-

<PAGE>

         IN WITNESS WHEREOF, the Purchaser and the Seller have caused their
names to be signed hereto by their respective officers thereunto duly authorized
as of the 30th day of September, 2002.

                          FIRST TENNESSEE BANK NATIONAL
                          ASSOCIATION, as Seller

                          By:_______________________________________________
                                Wade Walker
                                Senior Vice President

                          FIRST HORIZON ASSET SECURITIES INC., as
                          Purchaser

                          By:_______________________________________________
                                Wade Walker
                                Senior Vice President - Asset Securitization

The foregoing agreement is hereby
acknowledged and accepted as of the
date first above written.

FIRST HORIZON HOME LOAN CORPORATION,
in its capacity as the seller pursuant to MLPA I

By: ____________________________________________
      Wade Walker
      Senior Vice President - Asset Securitization

<PAGE>

                                   SCHEDULE A

                              [BEGINS ON NEXT PAGE]July 30, 2001

Wing Yu
1025 Cadillac Way, #113
Burlingame, CA  94010

         Re:      Employment Contract

Dear Wing:

We are  pleased  to offer you a  position  with  FinancialContent.com,  Inc.,  a
Delaware corporation ("FinancialContent"). This agreement supercedes any and all
other employment  agreements  between you and Cosmoz  Infrastructure  Solutions,
Inc. The starting date of this  agreement  shall be retroactive to July 1, 2001.
Your  compensation,  benefits and other terms of employment will be as set forth
below and in the FinancialContent, Inc. Employee Handbook.

TERMS OF EMPLOYMENT

1.  Position  and Duties.  FinancialContent  shall  employ you, and you agree to
competently  and  professionally  perform  such  duties as are  customarily  the
responsibility  of the position as set forth in the job description  attached as
EXHIBIT A, and as  reasonably  assigned to you from time to time by your Manager
as set forth in EXHIBIT A.

2. Outside Business  Activities.  During your employment with  FinancialContent,
you shall devote competent energies, interests, and abilities to the performance
of your duties  under this  Agreement.  During the term of this  Agreement,  you
shall not, without FinancialContent's prior written consent, render any services
to others for compensation or engage or participate,  actively or passively,  in
any other business  activities that would interfere with the performance of your
duties hereunder or compete with FinancialContent's business.

3.       Employment Classification. You shall be a Full-Time Executive Employee.

4.       Compensation/Benefits.

         4.1      Wage and commissions.  FinancialContent shall pay you the wage
as set forth in the job description attached as EXHIBIT A.

         4.2      Reimbursement  of Expenses.  You shall be  reimbursed  for all
reasonable and necessary  expenses paid or incurred by you in the performance of
your duties.  You shall  acquire  approval by your  manager,  as  identified  on
Exhibit A, prior to  incurring  any  reimbursable  expenses.  You shall  provide
FinancialContent with original receipts of such expenses.

                                       1
<PAGE>

         4.3      Withholdings.   All  compensation   paid  to  you  under  this
Agreement, including payment of salary and taxable benefits, shall be subject to
such  withholdings  as may be  required  by  law or  FinancialContent's  general
practices.

         4.4      Benefits.  As a  full-time  employee  you will be  subject  to
FinancialContent's benefits policies as such policies are in effect from time to
time as set forth in  FinancialContnet.com,  Inc.'s Employee  Handbook,  version
0001,  and shall be  offered  the  opportunity  to  participate  in any  benefit
programs  offered to the  extent  such  benefits  are  offered to other  regular
full-time executive  employees.  You agree to sign  FinancialContent's  Employee
Acknowledgement  Form upon  receipt  of  FinancialContnet.com,  Inc.'s  Employee
Handbook, version 0001 as a condition of your employment.

         4.5      Stock Options. FinancialContent does not currently offer stock
options to employees. If the shareholders of FinancialContent adopt a resolution
providing  stock options to  employees,  whether  incentive  stock options or an
employee stock purchase plan, or if the board of directors adopts  non-statutory
stock  options,  you will be offered an  opportunity  to participate in any such
options  plan to the same extent  provided to all other  executive  employees of
FinancialContent.  FinancialContent  makes no guarantee that the shareholders or
the board of directors will adopt a resolution approving a stock options plan.

5.       At-Will  Employment.  Either  party may  terminate  this  Agreement  by
written  notice at any time for any reason or for no reason.  This  Agreement is
intended  to be and shall be deemed to be an at-will  employment  agreement  and
does not constitute a guarantee of continuing employment for any term.

6.       Nondisclosure Agreement. You agree to sign FinancialContent's  standard
Employee  Nondisclosure  Agreement and Proprietary Rights Assignment and Limited
Exclusion  Notification  as a condition of your  employment.  We wish to impress
upon  you  that  we do not  wish  you to  bring  with  you any  confidential  or
proprietary  material of any former employer or to violate any other  obligation
to your former employers.

7.       Authorization to Work.  Because of Federal  regulations  adopted in the
Immigration   Reform  and  Control  Act  of  1986,  you  will  need  to  present
documentation  demonstrating  that you have  authorization to work in the United
States.

8.       Further  Assurances.  Each party shall perform any and all further acts
and execute and deliver any documents that are reasonably necessary to carry out
the intent of this Agreement.

9.       All  notices or other  communications  required  or  permitted  by this
Agreement  or by law shall be in  writing  and shall be deemed  duly  served and
given when  delivered  personally or by facsimile,  air courier,  certified mail
(return  receipt  requested),  postage  and fees  prepaid,  to the  party at the
address indicated in the signature block or at such other address as a party may
request in writing.

10.      Governing  Law. This  Agreement  shall be governed and  interpreted  in
accordance with the laws of the State of California; as such laws are applied to
agreements  between residents of California to be performed  entirely within the
State of California.

11.      Entire  Agreement.  This  Agreement  sets  forth the  entire  Agreement
between the parties  pertaining to the subject  matter hereof and supersedes all
prior written agreements,  and all prior or contemporaneous  oral Agreements and
understandings, express or implied.

                                       2
<PAGE>

12.      Written Modification and Waiver. No modification to this Agreement, nor
any waiver of any rights,  shall be effective  unless  assented to in writing by
the party to be  charged,  and the  waiver of any  breach or  default  shall not
constitute a waiver of any other right or any subsequent breach or default.

13.      Assignment.  This  Agreement is personal in nature,  and neither of the
parties  shall,  without  the  consent of the  other,  assign or  transfer  this
Agreement  or any  rights or  obligations  under  this  Agreement,  except  that
FinancialContent  may  assign or  transfer  this  Agreement  to a  successor  of
FinancialContent's  business  in the  event  of the  transfer  or sale of all or
substantially all of the assets of FinancialContent's  business;  provided, that
in the case of any assignment or transfer under the terms of this Section,  this
Agreement  shall be binding  on and inure to the  benefit  of the  successor  of
FinancialContent's  business,  and the successor of FinancialContent's  business
shall  discharge and perform all of the  obligations of  FinancialContent  under
this Agreement .

14.      Severability. If any of the provisions of this Agreement are determined
to be invalid,  illegal, or unenforceable,  such provisions shall be modified to
the  minimum  extent  necessary  to make such  provisions  enforceable,  and the
remaining  provisions  shall continue in full force and effect to the extent the
economic   benefits   conferred  upon  the  parties  by  this  Agreement  remain
substantially unimpaired.

15.      Arbitration  of Disputes.  Any  controversy  or claim arising out of or
relating  to  this  contract,  or  the  breach  thereof,  shall  be  settled  by
arbitration  administered  by the  American  Arbitration  Association  under its
National Rules for the Resolution of Employment Disputes,  and judgment upon the
award  rendered  by  the  arbitrator(s)  may be  entered  by  any  court  having
jurisdiction thereof.

We look forward to continuing what we hope will remain a mutually satisfying
work relationship.

                                          Sincerely,

                                          FinancialContent, Inc.

                                          By: /s/ Dave Neville
                                              ----------------------------
                                                  Dave Neville,
                                                  Corporate Secretary

Acknowledged, Accepted and Agreed,

Date: 7/30/01
      -------------
      /s/ Wing Yu
      -------------
          Wing Yu

                                       3
<PAGE>

EXHIBIT A

JOB DESCRIPTION

1. Position: Chief Executive Officer

2. Your Manager: n/a.  You report directly to the Board of Directors

3: Your Duties:

         o Strategic planning;

         o Financial analysis;

         o Budgeting, compliance;

         o Supervision of the daily operations of the company; and

         o Other tasks that may be required of you by the Board of Directors.

4. Your  Compensation:  Your salary shall be paid monthly on the last day of the
month  worked.  Your annual base salary shall be  72,000.00,  or  $6,000.00  per
month.

5. Schedule:  You shall work five days per week, Monday thru Friday, eight hours
per work day.

                                       4

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