Ron Terry gave up day-to-day management of First Tennessee National Corp. in April, when he turned over the CEO's title to a hand-picked successor, Ralph Horn.

But Mr. Terry, 63, is still very much a presence at First Tennessee, where he will continue as chairman until his December 1995 retirement. And it is Mr. Terry who deserves the credit for making First Tennessee one of the banking industry's noninterest income champions, with 40% of its revenues coming from that source.

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