First Horizon National Expands on uMonitor Partnership for Online Account Opening & Funding Service

Long-term Relationship Yields another Solution to Delight FHN Online Users

MEMPHIS, Tenn. - January 31, 2007 - First Horizon National Corp. (NYSE: FHN), one of the nation's leading financial services companies, and Parsam Technologies, the provider of uMonitor financial services for online customer acquisition and retention, announced the deployment of a uMonitor powered solution to Open and Fund accounts online for First Horizon, First Tennessee and First Horizon Direct customers. This newest addition is the latest result of an ongoing partnership between FHN and Parsam that enhances the long list of services currently in place for FHN users.

This uOPEN™ platform will allow new and existing First Horizon customers to securely apply for and fund new accounts online, all in a single session at any time of the day or night without going to a branch. The service will be available from the First Horizon and First Tennessee bank websites and will enable FHN to better serve its customers, improve operational efficiency, and improve cross-sell opportunities. Additionally, this service will complete, in real-time, identification authentication for applicants based on First Horizon's approval criteria in accordance with 'know your customer' rules. This offering begins with a Certificate of Deposit and expands to all kinds of deposit products in orderly fashion.

uOPEN™ deployment at FHN follows the development and implementation of several other services powered with uMonitor solutions for the FHN customers, including Employer Plan Manager - uBENEFITS™ for mSaver for the management of employee HSA accounts, uMonitor Funds Transfer services, and uMAdvisor for the Private Client area managing high net worth customers. "We chose uMonitor products because they are powerful resources that meet our technology needs," said Amy Shreve, senior vice president of Business Process Services for First Horizon. "uOPEN delivers on a highly complex set of requirements so we can better serve our customers in every area. We are delighted with our Parsam Technologies partnership that has given us the ability to expand our reach into areas that were untapped by us before now."

"In keeping with our goal to maximize the value and convenience we deliver to our customers by providing industry-leading online services, we were able to create a solution that will not only meet high standards set by First Horizon, but exceed their customers' expectations," said Dinesh Sheth, CEO of Parsam. "With uMonitor services, we will bring a new level of convenience to all FHN users, regardless of how far they may live from a branch, creating a unique value for their business and a new breed of customer loyalty to foster growth within a secure and efficient environment. We are proud to be a technology partner for an institution with First Horizon's reputation for customer service."

First Horizon and Parsam Technologies have continued to move forward with plans for the development of similar products for the First Tennessee Bank customer base that will serve its customers with the latest in cutting edge technology. As with First Horizon, users will see enhancements in many areas of their online financial management capabilities.

uMonitor is recognized in the financial services industry for delivering highly dependable services to meet credit union and bank requirements - the best technology, exceptional customer service, and fast system implementation - at a very affordable price.

About First Horizon National Corporation

• The 12,000 employees of First Horizon National Corp. (NYSE: FHN) provide financial services to individuals and business customers through hundreds of offices located in more than 40 states. The corporation's three major brands - FTN Financial, First Horizon and First Tennessee - provide customers with a broad range of products and services including: Capital markets, one of the nation's top underwriters of U.S. government agency securities
• Mortgage banking, one of the nation's top 25 mortgage originators and top 15 servicers
• Retail/commercial banking, with the largest market share in Tennessee and one of the highest customer retention rates of any bank in the country

FHN companies have been recognized as some of the nation's best employers by AARP, Working Mother and Fortune magazines. FHN also was named one of the nation's 100 best corporate citizens by Business Ethics magazine. More information can be found at http://www.fhnc.com

For more information or like to request a free consultation how the two services could work with your institution, please contract uMonitor sales or CUNA Mutual sales.

About CUNA Mutual
CUNA Mutual Group is the leading provider of financial services to credit unions and their members worldwide. More information on the company is available on the company's Web site at www.cunamutual.com.

About uMonitor – Parsam Technologies
uMonitor financial technologies offer a wide range of online solutions specifically designed to help financial institutions provide the most up-to-date services. These highly configurable and customizable solutions enable financial institutions to increase profitability, generate revenue, improve regulatory compliance, and improve employee productivity while reducing costs. uMonitor technologies include New Account Setup and Online Funding with Switch Kit, New Loan Application Processing, Funds Transfer Service, Bill Presentment and Payment Solutions, Premium Account Aggregation Service, Document Management System, Advisor-Client Relationship Management and other services.

For more information, please visit www.umonitor.com or contact Gillian Smoot at gsmoot@umontitor.com or by phone at 901.757.1212, ext.7115.

Parsam Technologies , LLC
3197 Players Club Parkway
Memphis, Tennessee 38125

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