1 EXHIBIT 99(a) PROXY Emerald Mortgage Company REVOCABLE PROXY (SOLICITED ON BEHALF OF THE BOARD OF DIRECTORS OF EMERALD MORTGAGE COMPANY FOR A SPECIAL MEETING OF SHAREHOLDERS TO BE HELD ON _____________________, 1994) The undersigned hereby appoints ___________________________ and __________________, and any one or more of them with full powers of substitution, as attorneys and proxies for the undersigned, to represent and vote all shares of Common Stock of Emerald Mortgage Company standing in my name on the books and records of Emerald Mortgage Company at the close of business on __________________, 1994 which the undersigned is entitled to cast at the Special Meeting of Shareholders to be held at the main office of Emerald Mortgage Company, 3500 188th Street, S.W., Suite 502, Lynnwood, Washington, on ___________________, 1994 at 10:00 a.m., local time, and at any and all adjournments as follows: For Against Abstain ------------ ------------- ------------- 1. Approval of the Stock Exchange Agreement dated as of June 15, 1994, as amended (the "Merger Agreement") by and between First Tennessee National Corporation ("FTNC"), First Tennessee Bank National Association ("FTB"), Emerald Mortgage Company and all of the Emerald shareholders which provides for the acquisition by FTB of all of the common stock of Emerald in exchange for FTNC Common Stock, as a result of which Emerald Mortgage Company will become a wholly-owned subsidiary of FTB ------------ ------------- ------------- 2. At their discretion, on such other business as may properly come before the Special Meeting or any adjournments or postponements thereof. ------------ ------------- ------------- NOTE: The Board of Directors is not aware of any other business that may come before the meeting. 2 THIS PROXY WILL BE VOTED FOR EACH OF THE PROPOSITIONS STATED IF NO CHOICE IS MADE HEREON Should the undersigned be present and elect to vote at the Special Meeting or at any adjournment thereof and, after notification to the Secretary of Emerald Mortgage Company at the Special Meeting of the shareholder's decision to terminate this Proxy, then the power of said attorneys and proxies shall be deemed terminated and of no further force and effect. The undersigned acknowledges receipt of a Notice of Special Meeting called for the _________rd day of ________________, 1994; and the Proxy Statement-Prospectus dated the _____th day of _____________, 1994 prior to the execution of this Proxy. -------------------------------- Print Name of Shareholder Date: -------------------- -------------------------------- Signature of Shareholder -------------------------------- Print Name of Shareholder Date: -------------------- -------------------------------- Signature of Shareholder (Please sign exactly as your name appears on the envelope in which this card was mailed. When signing as attorney, executor, administrator, trustee or guardian, please give your full title. If more than one trustee, all should sign. If shares are held jointly, each holder should sign.)