Fourth Quarter 2020 Earnings January 22, 2021

2 Disclaimer Portions of this presentation use non-GAAP financial information. Each of those portions is so noted, and a reconciliation of that non-GAAP information to comparable GAAP information is provided in a footnote or in the appendix at the end of this presentation. Annualized, pro forma, projected and estimated numbers are used for illustrative purpose only, are not forecasts and may not reflect actual results. This presentation also includes certain non-GAAP financial measures related to “tangible common equity” and certain financial measures excluding notable items, including merger-related charges. Notable items include certain revenue or expense items that may occur in a reporting period which management does not consider indicative of ongoing financial performance. Management believes it is useful for the investment community to consider financial metrics with and without notable items in order to enable a better understanding of company results, facilitate comparability of period-to-period financial results, and to evaluate and forecast those results. Although FHN has procedures in place to ensure that these measures are calculated using the appropriate GAAP or regulatory components, they have limitations as analytical tools and should not be considered in isolation, or as a substitute for analysis of results under GAAP. For more information on these calculations and to view the reconciliations to the most comparable GAAP measures, please refer to the appendix of this presentation. Forward-Looking Statements This communication may contain forward-looking information, including guidance, involving significant risks and uncertainties. Forward- looking information is identified by words such as "believe," "expect," "anticipate," "intend," "estimate," "should," "is likely," "will," "going forward," and other expressions that indicate future events and trends and may be followed by or reference cautionary statements. A number of factors could cause actual results to differ materially from results stated in or suggested by forward-looking information. Those factors include: general economic and financial market conditions, including expectations of and actual timing and amount of interest rate movements including the slope of the yield curve; competition; ability to execute business plans; regional, national, and world-wide political developments; recent and future legislative and regulatory developments; inflation or deflation; market (particularly real estate market) and monetary fluctuations; pestilence; man-made or natural disasters; customer, investor and regulatory responses to any of those conditions or events; matters mentioned in this release; critical accounting estimates; FHN’s success in executing its business plans and strategies following its 2020 merger with IBERIABANK Corporation, and managing the risks involved; the potential impacts on FHN’s businesses of the coronavirus COVID-19 pandemic, including negative impacts from quarantines, market declines, and volatility, and changes in customer behavior related to COVID-19; and other factors described in FHN's annual report on Form 10-K, FHN’s other recent filings with the SEC, and FHN’s most recent earnings release and related materials. FHN disclaims any obligation to update any forward-looking statements to reflect future events or developments, or changes in expectations. Throughout this presentation, numbers may not foot due to rounding.

3 4Q20 and FY2020 GAAP financial summary1 1Adjusted financial measures, core results, results excluding unusual items, TBV per share, ROTCE, PPNR, combined financial information, and the ACL/Loans ratio excluding Loans to Mortgage Companies and loans under the federal PPP are Non-GAAP and are reconciled to GAAP measures in the appendix. Throughout this presentation, references to EPS are fully diluted, 4Q20 CET1 ratio is an estimate, and references to loans include leases. Reported 4Q20 Change vs. Reported 2020 vs. 2019 $s in millions except per share data 4Q20 3Q20 2Q20 1Q20 4Q19 3Q20 4Q19 2020 2019 $/bps % $/bps % $/bps % Net interest income $ 522 $ 532 $ 305 $ 303 $ 311 $ (11) (2) % $ 210 68 % $ 1,662 $ 1,210 $ 452 37 % Fee income 288 823 206 175 183 (534) (65) % 105 57 % 1,492 654 838 128 % Total revenue 810 1,355 512 478 495 (545) (40) % 315 64 % 3,155 1,864 1,291 69 % Expense 508 587 321 302 328 (79) (13) % 180 55 % 1,718 1,233 485 39 % Pre-provision net revenue (PPNR)¹ 302 768 191 175 166 (466) (61) % 136 82 % 1,436 631 805 128 % Provision for credit losses 1 227 121 154 9 (226) (100) % (8) (89) % 503 45 458 NM Pre-tax income 301 541 69 21 157 (240) (44) % 144 92 % 933 586 347 59 % Income tax expense 56 2 13 5 36 54 NM 20 57 % 76 133 (57) (43) % Net income 245 539 57 16 121 (294) (55) % 124 102 % 857 452 405 89 % Non-controlling interest 3 3 3 3 3 — (5) % — (3) % 12 11 1 5 % Preferred dividends 8 13 2 2 2 (5) (40) % 6 NM 23 6 17 NM NIAC $ 234 $ 523 $ 52 $ 12 $ 117 $ (289) (55) % 118 101 % 822 435 387 89 % $s in billions Avg loans $ 59.8 $ 60.1 $ 34.0 $ 30.5 $ 30.7 $ (0.3) — % $ 29.1 95 % $ 46.2 $ 29.2 $ 17.0 58 % Period-end loans $ 58.2 $ 59.7 $ 32.7 $ 33.4 $ 31.1 $ (1.5) (2) % $ 27.2 87 % $ 58.2 $ 31.1 $ 27.2 87 % Avg deposits $ 69.6 $ 67.1 $ 37.5 $ 32.9 $ 32.8 $ 2.5 4 % $ 36.9 112 % $ 51.9 $ 32.4 $ 19.5 60 % Period-end deposits $ 70.0 $ 68.4 $ 37.8 $ 34.4 $ 32.4 $ 1.6 2 % $ 37.6 116 % $ 70.0 $ 32.4 $ 37.6 116 % Key performance metrics Net interest margin (NIM) 2.71 % 2.84 % 2.90 % 3.16 % 3.26 % (13) bps (55) bps 2.86 % 3.28 % (42) bps Loan to deposit ratio (avg.) 85.9 % 89.6 % 90.5 % 92.8 % 93.7 % (369) bps (778) bps 89.02 % 90.08 % (106) bps ROCE 12.5 % 28.5 % 4.5 % 1.1 % 10.0 % (1,596) bps 256 bps 13.66 % 9.60 % 406 bps ROTCE 16.7 % 37.8 % 6.7 % 1.6 % 15.0 % (2,102) bps 170 bps 19.03 % 14.71 % 432 bps ROA 1.2 % 2.6 % 0.5 % 0.2 % 1.1 % (147) bps 4 bps 1.33 % 1.08 % 25 bps Efficiency ratio 62.7 % 43.3 % 62.7 % 63.3 % 66.4 % 1,940 bps (364) bps 54.47 % 66.15 % (1,168) bps FTEs 8,466 8,121 5,006 4,969 5,005 345 4 % 3,461 69 % 6,649 5,231 1,418 27 % CET1 ratio 9.67 % 9.21 % 9.25 % 8.54 % 9.20 % 46 bps 47 bps 9.67 % 9.20 % 47 bps Effective tax rate 18.7 % 0.4 % 18.4 % 22.4 % 22.9 % 1,829 bps (417) bps 8.2 % 22.8 % (1,461) bps Per common share Diluted EPS $ 0.42 $ 0.95 $ 0.17 $ 0.04 $ 0.37 $ (0.53) (56) % $ 0.05 14 % $ 1.89 $ 1.38 $ 0.51 37 % Tangible book value per share $ 10.23 $ 9.92 $ 9.99 $ 9.96 $ 10.02 $ 0.31 3 % $ 0.21 2 % $ 10.23 $ 10.02 $ 0.21 2 % Avg. diluted shares outstanding 557 551 313 313 313 6 1 % 244 78 % 434 316 118 37 %

4 Table of contents FHN: Strong execution in a challenging environment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5 4Q20 notable items and other unusual items . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6 4Q20 adjusted financial highlights . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7 NII and NIM reflect benefit of merger and deposit pricing discipline . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8 Adjusted fee income vs. adjusted FHN/IBKC combined . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9 Adjusted expense vs. adjusted FHN/IBKC combined . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 Total loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11 Total funding . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12 Prudently managing risk . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13 Significant reserves for current environment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14 Update on areas of perceived risk . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15 Strong capital position . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16 Merger integration update . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17 1Q21 & FY2021 Outlook . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18 Key takeaways . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19 Appendix . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20

5 FHN: Strong execution in a challenging environment Adjusted EPS of $0.46 in 4Q20 and $1.22 in FY20201 Countercyclical Businesses Helping Mitigate Low-rate Headwinds Robust Capital & Liquidity Solid Credit Quality Despite Environment Strategic Update • 4Q20 Adjusted PPNR of $335 million reflects a net $11 million reduction tied to unusual items with strong results in countercyclical businesses – NII of $522 million down 2%; Core NII up 1% driven by lower funding costs – Adjusted fees relatively stable QoQ largely reflecting improvement in traditional banking fees with seasonally lower fixed income/mortgage banking fees from strong 3Q20 levels – Adjusted expense of $474 million relatively stable QoQ • Adjusted provision expense of $1 million improved $79 million QoQ; $28 million reserve release • TBVPS of $10.23 increased 3% QoQ driven by continued strong earnings growth • CET1 ratio of 9.67% increased 46 bps largely reflecting growth in net income • ACL/Loans ratio of 2.14% excl. LMC/PPP portfolios; Total loss absorption capacity of 2.22% • Average loan-to-deposit ratio of 86% vs. 90% in 3Q20 • Net charge-offs of 19 bps vs. 44 bps in 3Q20; NPLs of 66 bps vs. 75 bps in 3Q20 • Total loss absorption capacity of 2.2% of loans with continued prudent stance on reserve levels • COVID-deferrals declined to 0.9% of total loans from 2.4% in 3Q20 • Significant progress across key merger milestones; Upsized expected cost saves to ~ $200 million – Achieved $56 million of annualized net cost saves in 4Q20 – Expect to fully integrate systems in fall of 2021 • IBKC transaction accretive to TBVPS within 6 months - well ahead of estimated 2-year earnback • Company-run stress test results show significantly lower stressed loss rates vs. CCAR-bank median 1Adjusted financial measures, core results, results excluding unusual items, TBV per share, ROTCE, PPNR, combined financial information, and the ACL/Loans ratio excluding Loans to Mortgage Companies and loans under the federal PPP are Non-GAAP and are reconciled to GAAP measures in the appendix. Throughout this presentation, references to EPS are fully diluted, 4Q20 CET1 ratio is an estimate, and references to loans include leases.

6 4Q20 notable items and other unusual items1 • 4Q20 results were reduced by $20 million after-tax, or $0.04 per share of notable items 1Adjusted financial measures, core results, results excluding unusual items, TBV per share, ROTCE, PPNR, combined financial information, and the ACL/Loans ratio excluding Loans to Mortgage Companies and loans under the federal PPP are Non-GAAP and are reconciled to GAAP measures in the appendix. Throughout this presentation, references to EPS are fully diluted, 4Q20 CET1 ratio is an estimate, and references to loans include leases.2Merger accounting adjustment is non-taxable income. EPS computed based on approximately 557 million diluted shares. 4Q20 IBKC merger-related notable items Noninterest income: Merger accounting adjustment: other noninterest income2 $ 1 Total noninterest income 1 Noninterest expense: Incentives and commissions (21) Total personnel expenses (21) Occupancy and equipment (2) Outside services (7) Amortization of intangible assets (1) Other noninterest expense (4) Total noninterest expense (34) Total IBKC net notable items $ (33) Tax impact of 4Q20 notable items 13 After-tax impact of 4Q20 notable items $ (20) EPS impact of 4Q20 notable items2 $ (0.04) IBKC Cumulative Pre-tax Integration Costs Cost to Date Targeted 4Q19 - 3Q20 Purchase Acct. 4Q20 Total 2021 2022 Total $ 146 $ 120 $ 34 $ 300 $ 125 $ 35 $ 460 In addition to merger-related notable items, Adjusted results were also reduced by the following unusual items: Notable Items Unusual Items • Increase in merger-related expense reflects impact of $30 million increase in annual targeted cost saves 4Q20 Adjusted Unusual Items 4Q20 adjusted ex- unusual items Item Commentary Net interest income $ 522 $ (5) $ 527 Largely tied to a promotional credit card offering Fee income 288 (3) 291 Securities losses in other noninterest income Revenue 810 (8) 818 Incentives and commissions 89 8 81 One-time employee bonus and COVID-related vacation net carryover costs Other noninterest expense 35 (5) 40 Lower regulatory-related costs, largely FDIC insurance Total expense 474 3 471 PPNR $ 335 $ (11) $ 346 ($s in millions except per share data)

7 • Adjusted EPS of $0.46 increased 31% QoQ; TBV per share of $10.23 increased 3% • Adjusted revenue of $810 million down $13 million driven by an $8 million impact from unusual items • NII down $11 million QoQ driven by a reduction in net merger-related and PPP loan benefits; results also reduced by a $5 million unusual item; Core NII remained relatively stable • Adjusted fee income down $4 million QoQ driven by $3 million of securities losses in other noninterest income tied to modest repositioning of the investment portfolio • Adjusted expense relatively stable QoQ – Results included a net $3 million increase tied to unusual items – Results also reflect the benefit of a $6 million reduction tied to merger cost saves with a total of $14 million in 4Q20 • Provision for credit losses of $1 million, decreased $79 million from adjusted 3Q20 levels largely reflecting improved overall macroeconomic outlook 4Q20 adjusted financial highlights1 1Adjusted financial measures, core results, results excluding unusual items, TBV per share, ROTCE, PPNR, combined financial information, and the ACL/Loans ratio excluding Loans to Mortgage Companies and loans under the federal PPP are Non-GAAP and are reconciled to GAAP measures in the appendix. Throughout this presentation, references to EPS are fully diluted, 4Q20 CET1 ratio is an estimate, and references to loans include leases. Adjusted FHN Adjusted FHN standalone 4Q20 Change vs. QoQ ex- unusual items$s in millions except per share data 4Q20 3Q20 4Q19 3Q20 4Q19 $/bps % $/bps % Net interest income $ 522 $ 532 $ 311 $ (11) (2) % $ 211 68 % (1)% Fee income 288 291 183 (4) (1) % 105 57 % —% Total revenue 810 823 495 (13) (2) % 315 64 % (1)% Expense 474 471 291 3 1 % 183 63 % —% Pre-provision net revenue 335 352 203 (17) (5) % 132 65 % (2)% Provision for credit losses 1 80 9 (79) (99) % (8) (89) % Net charge-offs 29 67 3 (38) (57) % 26 NM Reserve build/(release) (28) 13 6 (41) NM (34) NM NIAC $ 255 $ 193 $ 147 $ 62 32 % $ 108 73 % Key performance Metrics Fee income as a % of total revenue 36 % 35 % 37 % 24 bps (149) bps Efficiency ratio 58.6 % 57.3 % 58.9 % 131 bps (31) bps ROTCE 18.2 % 13.9 % 18.9 % 428 bps (70) bps Diluted EPS $ 0.46 $ 0.35 $ 0.47 $ 0.11 31 % $ (0.01) (2) % TBV per share $ 10.23 $ 9.92 $ 10.02 $ 0.31 3 % $ 0.21 2 % Effective tax rate 20.7 % 23.3 % 22.2 % (258) bps (144) bps

8 NII and NIM reflect benefit of merger and deposit pricing discipline1 $311 $303 $305 $532 $522 $296 $294 $284 $476 $479 3.26% 3.16% 2.90% 2.84% 2.71% Core NII Reported NII Reported NIM 4Q19 1Q20 2Q20 3Q20 4Q20 ($s in millions) NII and NIM Trends Legacy FHN Core NIM1 3.10% 3.07% 2.80% 2.68% 2.63% 1Adjusted financial measures, core results, results excluding unusual items, TBV per share, ROTCE, PPNR, combined financial information, and the ACL/Loans ratio excluding Loans to Mortgage Companies and loans under the federal PPP are Non-GAAP and are reconciled to GAAP measures in the appendix. Throughout this presentation, references to EPS are fully diluted, 4Q20 CET1 ratio is an estimate, and references to loans include leases. • NII down $11 million and NIM down 13 bps QoQ on lower net merger-related and PPP loan benefits – Core NII up $8 million before an unusual item driven by a $13 million reduction in funding costs – Core NIM down 2 bps before the impact of an unusual item and excess cash – Period-end excess cash ~$7.6 billion vs. $4.6 billion in 3Q20 • Interest-bearing deposit costs of 26 bps improved 10 bps QoQ – Targeting ~21 bps vs. 24 in last ZIRP cycle 3Q20 vs. 4Q20 $s in millions NII Margin 3Q20 Reported $ 532 2.84 % Less: non-core items (see appendix) (56) (0.15) 3Q20 Core $ 476 2.68 Downward Repricing of Deposit Costs 11 0.06 Debt Maturity and Corresponding Swap 2 0.01 Runoff of Investment Securities Portfolio (3) — Unusual item (5) (0.03) Higher Fed Cash Balances 1 (0.09) Net Change in Loans & Other (2) — 4Q20 Core $ 479 2.63 % PPP loans and fees 20 (0.04) Current Period loan accretion 33 0.22 Time Deposit Amortization 8 (0.18) Securities Premium Amortization (18) 0.08 4Q20 Reported $ 522 2.71 % Ex-unusual items $527 $484 2.74% 2.65%

9 • Adjusted fee income stable before $3 million of securities losses in unusual items • Fixed income decreased $7 million QoQ largely reflecting the impact of day count and lower fees in other products; up $23 million YoY – ADR of $1.5 million relatively stable QoQ and up 42% YoY • Mortgage banking and title down $9 million QoQ, reflecting seasonal declines; up $31 million YoY • Service charges and fees increased $3 million largely reflecting higher cash management fees • Relatively modest improvements in all other categories Adjusted fee income vs. adjusted FHN/IBKC combined1 1Adjusted financial measures, core results, results excluding unusual items, TBV per share, ROTCE, PPNR, combined financial information, and the ACL/Loans ratio excluding Loans to Mortgage Companies and loans under the federal PPP are Non-GAAP and are reconciled to GAAP measures in the appendix. Throughout this presentation, references to EPS are fully diluted, 4Q20 CET1 ratio is an estimate, and references to loans include leases. Adjusted FHN Adjusted FHN /IBKC combined 4Q20 Change vs. QoQ ex- unusual items$s in millions 4Q20 3Q20 2Q20 1Q20 4Q19 3Q20 4Q19 $/bps % $/bps % Fixed income $ 104 $ 111 $ 112 $ 96 $ 81 $ (7) (6) % $ 23 28 % Mortgage banking & title 57 66 53 32 26 (9) (13) % 31 120 Brokerage, trust, and insurance 31 30 33 34 33 1 5 % (2) (5) Service charges and fees 53 50 46 50 54 3 6 % (1) (2) Card and digital banking fees 18 17 17 19 20 1 8 % (2) (8) Deferred compensation income 9 4 8 (10) 3 5 123 % 6 NM Other noninterest income 15 14 18 21 26 1 7 % (11) (43) 29% Total Fee Income $ 288 $ 291 $ 287 $ 240 $ 244 $ (4) (1) % $ 44 18 % —% Key Metrics Fixed Income Average Daily Revenue (ADR) $ 1.5 $ 1.5 $ 1.6 $ 1.3 $ 1.1 $ — (3) % $ 0.4 42 % Mortgage banking Originations Secondary $ 1,120 $ 1,186 $ 1,152 $ 581 $ 573 $ (66) (6) % $ 547 95 % Portfolio $ 350 $ 396 $ 675 $ 497 $ 714 $ (46) (12) % $ (364) (51) % Gain on sale spread 4.00 % 3.93 % 2.86 % 3.07 % 2.85 % 7 bps 115 bps

10 Adjusted expense vs. adjusted FHN/IBKC combined1 1Adjusted financial measures, core results, results excluding unusual items, TBV per share, ROTCE, PPNR, combined financial information, and the ACL/Loans ratio excluding Loans to Mortgage Companies and loans under the federal PPP are Non-GAAP and are reconciled to GAAP measures in the appendix. Throughout this presentation, references to EPS are fully diluted, 4Q20 CET1 ratio is an estimate, and references to loans include leases. Adjusted FHN Adjusted FHN /IBKC combined 4Q20 Change vs. QoQ ex- unusual items$s in millions 4Q20 3Q20 2Q20 1Q20 4Q19 3Q20 4Q19 $/bps % $/bps % Salaries and benefits $ 200 $ 200 $ 193 $ 194 $ 193 $ — — % $ 7 4 % Incentives and commissions 89 91 97 100 83 (2) (2) % 6 7 % (11) % Deferred compensation expense 9 3 10 (10) 4 6 NM 5 125 % Total personnel expense 298 294 300 283 279 4 1 % 19 7 % (1) % Occupancy and equipment 74 73 74 72 73 1 2 % 1 2 % Outside services 52 46 46 49 49 6 13 % 3 6 % Amortization of intangible assets 14 14 9 9 10 — (2) % 4 37 % Other noninterest expense 35 45 57 58 50 (10) (22) % (15) (30) % (11) % Total noninterest expense $ 474 $ 471 $ 486 $ 471 $ 462 $ 3 1 % $ 12 3 % — % Full-time equivalent associates 8,466 8,121 8,384 8,368 8,406 345 4 % 60 1 % • Adjusted expense relatively stable before the net $3 million impact tied to unusual items in incentives/commission and other noninterest expense – Results also reflect the benefit of a $6 million increase in merger cost saves • Personnel expense up $4 million – Salaries and benefits remained stable – Incentives/commissions down $2 million largely tied to a reduction in revenue-based incentives despite $8 million of unusual items – Deferred compensation up $6 million largely offset in noninterest income • Outside services increased $6 million largely reflecting higher advertising and technology costs and the impact of seasonality • Other noninterest expense decreased $10 million and included ~$5 million benefit tied to lower regulatory-related costs, largely FDIC insurance

11 Total loans1 1Adjusted financial measures, core results, results excluding unusual items, TBV per share, ROTCE, PPNR, combined financial information, and the ACL/Loans ratio excluding Loans to Mortgage Companies and loans under the federal PPP are Non-GAAP and are reconciled to GAAP measures in the appendix. Throughout this presentation, references to EPS are fully diluted, 4Q20 CET1 ratio is an estimate, and references to loans include leases. 2Utilization rates exclude Loans to Mortgage Companies. • Average 4Q20 loans of $59.8 billion decreased $298 million from 3Q20 – Lower consumer real estate-secured and commercial real estate more than offset a modest increase in C&I driven by growth in loans to mortgage companies (LMC) – Average LMC of $6.5 billion, up ~$691 million QoQ, reflecting strong volume • Period-end loans of $58.2 billion decreased $1.5 billion QoQ – Driven by a $687 million decline in consumer loans as well as a $349 million decrease in other C&I, a $236 million reduction in CRE and a $203 million decrease in LMC • Utilization rates of 46% remained relatively stable with 3Q20 levels2 1Q20 to 4Q20 line utilization Period-end FHN/IBKC combined 1Q20 Period-end FHN/IBKC combined 2Q20 Period-end 3Q20 Period-end 4Q20 Utilization % 53% 48% 47% 46% $54.9B $55.1B $59.7B $58.2B $60.1B $59.8B Total Commercial excl. LMC & PPP Commercial real estate (CRE) Consumer real estate Credit card and other PPP Loans to mortgage co. Period- end loans FHN/IBKC combined 3Q19 * * * * * Period- end loans FHN/IBKC combined 4Q19 Period- end loans 3Q20 Period- end loans 4Q20 Average Loans 3Q20 Average Loans 4Q20 Loan trends 40% 26% 24% 2% 9% 40% 26% 23% 2% 8% 40% 21% 21% 2% 9% 7% 41% 21% 20% 2% 9% 7% 40% 21% 21% 2% 10% 7% 40% 21% 20% 2% 11% 7% 3Q19 4Q19 3Q20 4Q20 Yields 3.70% 3.56% Core Yields 3.46% 3.43% Avg 1M LIBOR 2.17% 1.79% 0.16% 0.15%

12 Total funding1 $64.7B $64.0B $73.2B $74.2B $72.1B $74.0B DDA Savings Time deposits Term borrowings Other interest-bearing deposits Short-term borrowings Trading Liabilities Period-end FHN/IBKC combined 3Q19 * * * * * * Period-end FHN/IBKC combined 4Q19 Period-end 3Q20 Period-end 4Q20 Average 3Q20 Average 4Q20 Interest-bearing liabilities & DDA trends • Average 4Q20 deposits of $69.6 billion increased $2.5 billion QoQ reflecting an increase in interest- bearing and demand deposits – 4Q20 period-end deposits of $70.0 billion increased $1.6 billion from 3Q20 levels largely reflecting growth in demand deposits, savings and other IB deposits • Total deposit cost of funds of 0.18% in 4Q20, down from 0.25% in 3Q20 – Interest-bearing deposit costs of 26 bps; prior ZIRP cycle rate of 24 bps in 3Q15 • 4Q20 borrowings of $4.2 billion decreased $560 million from 3Q20 – Total funding costs of 0.40% in 4Q20, decreased from 0.51% in 3Q20 23% 32% 14% 4% 19% 23% 34% 12% 3% 21% 29% 36% 8% 3% 3% 20% 30% 37% 7% 2% 3% 21% 29% 36% 8% 3% 3% 20% 30% 37% 7% 3% 3% 20% 7% 1% 6% 1% 1% —% 0.5% —% 3Q19 4Q19 3Q20 4Q20 Deposit Cost of Funds 0.25% 0.18% Total Cost of Funds 0.51% 0.40% Avg 1M LIBOR 2.17% 1.79% 0.16% 0.15% 1Adjusted financial measures, core results, results excluding unusual items, TBV per share, ROTCE, PPNR, combined financial information, and the ACL/Loans ratio excluding Loans to Mortgage Companies and loans under the federal PPP are Non-GAAP and are reconciled to GAAP measures in the appendix. Throughout this presentation, references to EPS are fully diluted, 4Q20 CET1 ratio is an estimate, and references to loans include leases.

13 $227 Provision for credit losses Non-PCD NCO% 4Q19 1Q20 2Q20 3Q20 4Q20 Prudently managing risk 1Net charge-off % is annualized and as % of average loans. ($s in millions) Provision, credit losses, and net charge-offs Legacy FHN Allowance for credit losses (ACL) $206 $484 0.66% 1.45% 1.80% 1.80% 1.80%127% 255% 260% 241% 271% ACL ACL/Loans ACL/NPLs 4Q19 1Q20 2Q20 3Q20 4Q20 $588 $1,077 $1,048 Legacy FHN Non-performing loans (NPL) $162 $190 $226 $447 $386 0.52% 0.57% 0.69% 0.75% 0.66% NPLs $ NPLs % 4Q19 1Q20 2Q20 3Q20 4Q20 • Net charge-offs of $29 million driven by $23 million of losses in the energy portfolio • NPL ratio of 66 bps, down 9 bps QoQ • Allowance for credit losses to loans ratio continued to remain steady at 1.80% • Transformed loan portfolio since Global Financial Crisis from higher-risk, real estate concentration to commercially diversified portfolio Legacy FHN 2008 4Q20 Non-performing loans ratio 4.91% 0.66%1 $3 $7 $17 $67 $29 $9 $154 $121 $80 $1 0.04% 0.10% 0.20% 0.44% 0.19% NCOs Provision for credit losses Non-PCD NCO% 4Q19 1Q20 2Q20 3Q20 4Q20

14 Significant reserves for current environment1 1Adjusted financial measures, core results, results excluding unusual items, TBV per share, ROTCE, PPNR, combined financial information, and the ACL/Loans ratio excluding Loans to Mortgage Companies and loans under the federal PPP are Non-GAAP and are reconciled to GAAP measures in the appendix. Throughout this presentation, references to EPS are fully diluted, 4Q20 CET1 ratio is an estimate, and references to loans include leases. ($s in millions) 3Q20 vs. 4Q20 Allowance for credit losses (ACL) ACL/loans 1.80% 2.14% Total Total ex. LMC & PPP • Reserve release of $28 million – Reduction in Energy portfolio including expected January 2021 loan sale – Lower balances and improving economic scenarios • Utilized Moody’s November 2020 baseline scenario and applied additional modest weighting to alternative upside and downside scenarios • Also incorporated – Detailed portfolio reviews of industries currently affected by pandemic – Additional factors such as the reemergence of COVID cases, disjointed vaccine rollout, and overall economic uncertainty $s in millions 3Q20 Period-end % of Total Loans 4Q20 Period-end % of Total Loans Total allowance for credit losses $ 1,077 1.80 % $ 1,048 1.80 % Unrecognized discount - acquired loans 284 0.48 242 0.42 Total loss absorption capacity $ 1,361 2.28 % $ 1,290 2.22 % $1,077 $(29) $1 $1,048 9/30/2020 Net charge-offs Provision expense 12/31/2020 ACL/annualized NCOs 915% Total

15 Update on areas of perceived risk Portfolio by industry as of 12/31/2020 $s in billions Balance % of total loans Subject to more heightend monitoring % of total loans Other C&I $ 6.2 10.6 % $ — — % Finance & Insurance 3.0 5.2 — — Health Care & Social Assistance 2.1 3.7 — — Non-real estate leasing 0.6 1.1 — — Real estate leasing 1.6 2.7 1.6 2.7 Real Estate Rental & Leasing 2.2 3.8 — — Quick serve restaurants and other lower risk categories 1.1 2.0 — — Higher-risk accommodation and food service 0.7 1.2 0.7 1.2 Accommodation & Food Service 1.8 3.1 — — Wholesale Trade 1.9 3.2 — — Energy 1.6 2.8 1.6 2.8 Manufacturing 1.6 2.7 — — Grocery stores, gas stations, convenience stores, home improvement, auto-related and other lower-risk retail 1.2 2.1 — — Higher-risk retail trade 0.1 0.1 0.1 0.1 Retail Trade 1.3 2.2 — — Transportation & Warehousing 1.3 2.2 — — Golf courses and other outdoor lower risk sectors 0.3 0.6 — — Fitness centers, recreational centers and other higher-risk arts, entertainment and recreation 0.4 0.6 0.4 0.6 Arts, Entertainment & Recreation 0.7 1.2 — — Total C&I excluding LMC and PPP $ 23.8 40.7 % $ 4.3 7.4 % Lower-risk Other CRE 8.6 14.7 — — Higher-risk Other CRE 0.2 0.3 0.2 0.3 Other CRE 8.7 15.0 — — Lower-risk CRE retail 2.2 3.8 — — Higher-risk CRE retail 0.1 0.2 0.1 0.2 CRE - Retail 2.3 3.9 — — Lower-risk CRE hospitality 1.0 1.7 — — Higher-risk CRE hospitality 0.3 0.5 0.3 0.5 CRE - Hospitality 1.3 2.2 — — Total CRE excluding PPP $ 12.3 21.1 % 0.6 1.0 % Total commercial loans excluding LMC and PPP $ 36.1 61.8 % $ 4.9 8.4 % Loans to mortgage companies (LMC) 5.5 9.4 Paycheck protection program (PPP) 4.1 6.9 Total commercial loans $ 45.7 78.1 % Total consumer loans $ 12.8 21.9 % Total loans $ 58.4 100.0 % Total loans excl. LMC and PPP $ 48.9 83.7 % • Continuing to closely monitor industries currently impacted by COVID-19 disruptions; Performed deep dive review on $7.2 billion of commercial portfolio in 4Q20 • Other sectors such as essential services, recreational goods, manufacturing, and home improvement performing well • Consumer portfolio asset quality relatively stable; refreshed weighted avg. FICO score of ~752 • Real Estate Rental/Leasing – ~29% non-real estate rental and leasing, primarily equipment with ~71% real estate-related, largely REITs which are diversified across property types • Accommodation/Food Service – ~62% quick service restaurants and other lower risk categories with normalizing trends; higher-risk portfolio largely reflects regional and national casual dining brands • Energy – ~$240 million in oil field services, ~$863 million in E&P - Portfolio clients are hedged ~59% through 2021, 29% through 2022 and 15% through 2023 • Retail Trade – Substantially all essential services and other more resilient sectors including home improvement and auto-related • Arts/Entertainment – ~47% tied to golf courses and other lower risk outdoor sectors • CRE – Retail – Granular portfolio with ~1,850+ tenants largely focused on value- and necessity-based properties; limited geographic/major tenant concentration; limited regional mall/power center exposure – ~0.6% of CRE-Retail on active deferral vs. ~41% peak deferral • CRE – Hospitality – ~84% flagged properties and ~57% limited service/ extended stay properties – ~14% of CRE hospitality is on active deferral vs. ~68% peak deferral Portfolios subject to more heightened monitoring decreased 24% to $4.9 billion, or ~8.4% of loans ex. LMC/PPP Data based on loan balances from credit systems and does not reflect certain general ledger accounting adjustments including unrecognized loan discounts. NAICs codes as of 4Q20. Energy-related loans represented across various categories.

16 Strong capital position1 9.20% 8.54% 9.25% 9.21% 9.67% CET1 ratio Tier 1 capital ratio Total capital ratio 4Q19 1Q20 2Q20 3Q20 4Q20 Capital levels 10.15% 11.22% 10.78% 9.52% 12.47% 10.69% 12.05% 10.25% 12.55% 10.73% Tangible book value per share 9.21% 0.39% (0.13)% (0.03)% 0.17% 0.05% 9.67% 3Q20 actual Adjusted NIAC Common Dividends Notable Items Lower Loan Balances Other 4Q20 estimate $9.92 $0.48 $(0.15) $(0.04) $0.02 $10.23 3Q20 actual Adjusted NIAC, net of change in Intangibles Common Dividends Notable Items Other¹ 4Q20 estimate • Robust PPNR1 and enhanced earnings power provide dividend support and additional loss-absorbing capital • Tangible book value per share of $10.23 at December 31, 2020 increased 3% from $9.92 as of September 30, 2020. – IBKC Merger now accretive to tangible book value per share, well ahead of estimated two-year earn-back period • CET1 ratio of 9.67% includes 17 bp impact tied to lower loan balances • Company-run stress test results show significantly lower stressed loss rates vs. CCAR-bank median 1All data prior to 3Q20 is for FHN standalone. Adjusted financial measures, core results, results excluding unusual items, TBV per share, ROTCE, PPNR, combined financial information, and the ACL/Loans ratio excluding Loans to Mortgage Companies and loans under the federal PPP are Non-GAAP and are reconciled to GAAP measures in the appendix. Throughout this presentation, references to EPS are fully diluted, 4Q20 CET1 ratio is an estimate, and references to loans include leases. 3Q20 vs. 4Q20 CET1 ratio

17 Merger integration update Integration Framework • Aligning cultures & establishing good cadence • Integration work continues to be done effectively in largely remote manner • Finalized 3-year Strategic Plan 4Q20 Milestones • Associate retention remains strong, including in leadership/critical positions (95%) • New sales team structures and credit partnerships for combined organization successfully implemented • Mortgage origination consolidated onto a best-in-class system • Launched a new and improved wire system • Completed major upgrades to online banking system • Consolidated procurement and expense management systems • Upgraded a consolidated project management system for combined company • Converted training systems and migrated associates to a new digital training platform • Completed build out of detailed internal and external communications and training calendars Upcoming Events • Conversion of IBERIA Financial Services to First Horizon Advisors • Commence PPP origination for both legacy banks on a single platform • Continue consolidation of corporate properties in Miami, New York and Houston markets • Continue upgrades and enhancements to systems/applications ahead of conversion • Complete assessment of business requirements and data mapping ahead of first mock conversion scheduled for 2Q21 P eo p le Sy st em s/ O p s Increased targeted annualized cost saves to ~$200 million by 1H22 • Achieved ~$32 million YTD with ~$14 million in 4Q20 Seeing strong early success on revenue synergies not included in deal economics Continue to introduce system and application upgrades and enhancements ahead of scheduled conversion Annualized Savings Actual Estimated 3Q20 4Q20 2021 2022 ~$32mm ~$56mm ~$115mm ~$200mm Integration Highlights

18 Earnings Drivers 4Q20 Adjusted Baseline 1Q21 Adjusted Expectations Adjusted 4Q20 Annualized Baseline 2021 Adjusted Expectations Comments Net Interest Income $525 million (FTE) $76.985 billion - 4Q20 avg. earning assets Mid single-digit % decline Avg. earning assets up slightly, with avg. loans down modestly $2.088 billion (FTE) $76.985 billion - 4Q20 avg. earning assets Low to mid single-digit % decline Avg. earning assets relatively stable to down modestly with average loans modestly lower • 1Q21: Reflects lower net loan accretion/ securities premium amortization and day count • FY21: Largely reflects lower net loan accretion/ securities premium amortization • Assumes continued muted loan demand Noninterest Income $287 million Mid-teens % decline $1.144 billion Low-teens % decline • 1Q21: Reflects the impact of seasonality, partially offset by expectation for relatively strong environment for fixed income and mortgage banking • FY21: Expectation for relatively strong environment for fixed income and mortgage banking Noninterest Expense $474 million $385 million - excluding incentives & commissions Low to mid single - digit % decline Low single-digit % decline $1.886 billion $1.531 billion - excluding incentives & commissions Low to mid single -digit % decline Low single-digit % decline • Efficiency ratio relatively stable to up modestly vs. 4Q20 levels • Ongoing focus on efficiency in addition to merger cost saves Net Charge-Offs 19 bps ~20 - 30 bps 19 bps ~ 25 - 35 bps • Combination of CECL and lower visibility around pace of COVID-pandemic recovery provides potential for increased variability in provision CET1 Ratio 9.67% ~ 9.50% 9.67% 4Q20 ~ 9.50% • Optionality to opportunistically repurchase shares Assumes prolonged low-rate environment and mid single-digit GDP growth rate with some recovery in 2H21 assuming gradual improvement in COVID-19 pandemic 1Adjusted financial measures, core results, results excluding unusual items, TBV per share, ROTCE, PPNR, combined financial information, and the ACL/Loans ratio excluding Loans to Mortgage Companies and loans under the federal PPP are Non- GAAP and are reconciled to GAAP measures in the appendix. Throughout this presentation, references to EPS are fully diluted, 4Q20 CET1 ratio is an estimate, and references to loans include leases. 1Q21 & FY2021 Outlook1

19 Well-positioned to deliver strong execution • Expanded franchise in attractive Southern markets • Diversified business model with countercyclical businesses helping to mitigate pressure from low rates • Uniquely positioned to deliver significant cost savings in a challenging environment – Strong progress towards ~$200 million of cost saves, upsized from ~$170 million • Continued prudent risk management with strong reserves – ~45% of loan book marked with ~$1.3 billion of total loss absorption capacity Significant opportunities to drive relative outperformance and build shareholder value

20 APPENDIX

21 Notable Items ($s in millions except per share data) Favorable / (Unfavorable) (In millions, except per share data) 4Q20 3Q20 2020 2019 Noninterest income: Merger accounting adjustment other noninterest income1 $ (1) $ (532) $ (533) $ — Total noninterest income (1) (532) (533) — Noninterest expense: Salaries and benefits — (1) (7) (5) Incentives and commissions (21) (34) (55) (10) Total personnel expenses (21) (35) (62) (15) Occupancy and equipment (2) (4) (6) (3) Outside services (7) (32) (46) (48) Amortization of intangible assets (1) (1) (2) — Other noninterest expense (4) (44) (54) (49) Total noninterest expense (34) (116) (170) (114) Non-PCD provision for credit losses — (147) (147) — Total net notable items (pre-tax) 33 (269) (216) 114 Tax impact of notable items 13 61 78 24 After-tax impact of notable itmes $ 20 $ (331) $ (294) $ 90 EPS impact of notable items $ 0.04 $ (0.60) $ (0.68) $ 0.29 Diluted shares 557 551 434 316 Favorable / (Unfavorable) F H FHN IBKC Financial Statement Caption P r e - T Pre-Tax After-Tax at Marginal Tax Rate Pre-Tax After-Tax at Marginal Tax Rate 2Q20 Salaries and benefits $ $ (5) $ (4) $ (2) $ (2) Incentives and commissions — — (2) (2) Occupancy and equipment — — (1) (1) Outside services (6) (5) (9) (7) Other noninterest expense (4) (3) (1) (1) Total Acquisition and Hazard related expenses $ (14) (12) (15) (12) Other noninterest income - (Gain) loss on sale of investments $ — — (6) (5) Total Notable items $ $ (14) $ (12) $ (9) $ (7) 1Q20 Salaries and benefits $ $ (1) $ (1) $ (2) $ (2) Occupancy and equipment — — (1) — Outside services (2) (2) — — Other noninterest expense (3) (2) — — Total Acquisition and Hazard related expenses $ (6) (5) (3) (3) Total Notable items $ $ (6) $ (5) $ (3) $ (3) 4Q19 Salaries and benefits $ $ (4) $ (4) $ (2) $ (1) Outside services (18) (15) (9) (4) Other noninterest expense (3) (2) — — Total Acquisition, Rebranding, Restructuring related expenses $ (26) (21) (11) (6) Other noninterest expense - Charitable Contributions $ (11) (9) — — Total Notable items $ $ (37) $ (30) $ (11) $ (6) 1Merger accounting adjustment is non-taxable income.

22 FY2020 adjusted financial highlights1 Adjusted FHN Adjusted FHN standalone 2020 Change vs. 2019 $s in millions except per share data 2020 2019 $/bps % Net interest income $ 1,662 $ 1,210 $ 452 37 % Fee income 960 654 305 47 % Total revenue 2,623 1,864 759 41 % Expense 1,549 1,119 429 38 % Pre-provision net revenue 1,073 745 328 44 % Provision for credit losses 356 45 311 NM Net charge-offs 119 27 92 NM Reserve build/(release) 237 18 218 NM NIAC $ 528 $ 525 $ 3 1 % Key performance Metrics Fee income as a % of total revenue 37 % 35 % 151 bps Efficiency ratio 59 % 60 % (96) bps ROTCE2 12.15 % 17.60 % (545) bps Diluted EPS $ 1.22 $ 1.66 $ (0.45) (27) % TBV per share $ 10.23 $ 10.02 $ 0.21 2 % Effective tax rate 21.5 % 22.5 % (99) bps • Adjusted EPS of $1.22 decreased $0.45 as the impact of the IBKC merger/Truist branch acquisition was more than offset by a $311 million CECL-related provision increase – Adjusted PPNR up 44% YoY driven by the $272 million impact of the IBKC merger/Truist branch acquisition • NII up $452 million YoY – Results reflect $433 million benefit tied to IBKC merger/Truist branch acquisition • Adjusted fee income up $305 million driven by a net $178 million benefit from the IBKC merger as well as strength in fixed income which helped mitigate COVID-related declines in traditional banking fees • Adjusted expense up $429 million driven by the $339 million impact of the IBKC merger/Truist branch acquisition – Efficiency ratio of 59% • Provision for credit losses of $356 million increased $311 million driven by CECL and COVID-19 impacts 1Adjusted financial measures, core results, results excluding unusual items, TBV per share, ROTCE, PPNR, combined financial information, and the ACL/Loans ratio excluding Loans to Mortgage Companies and loans under the federal PPP are Non-GAAP and are reconciled to GAAP measures in the appendix. Throughout this presentation, references to EPS are fully diluted, 4Q20 CET1 ratio is an estimate, and references to loans include leases. Results prior to 3Q20 do not reflect the impact of the IBKC merger/Truist branch acquisition

23 FHN reserve and deferrals by portfolio $s in billions Loan Balance Allowance for Loan Losses Allowance Coverage Ratio Portfolios excl. Loans to Mortgage Companies (LMC) & PPP Energy $ 1.6 $ 0.1 5.9 % C&I excl. Energy, LMC, & PPP 22.1 0.4 1.6 Total C&I excl. LMC & PPP 23.8 0.4 1.9 CRE - Other 8.7 0.1 1.4 CRE - Retail 2.3 0.1 2.4 CRE - Hospitality 1.3 0.1 5.0 Total CRE excl. PPP 12.3 0.2 2.0 Total Commercial excl. LMC & PPP 36.1 0.7 1.9 Total Consumer 12.8 0.3 2.1 Total Loans excl. LMC & PPP 48.9 1.0 2.0 LMC 5.5 — 0.1 PPP 4.1 — — Total Loans $ 58.4 $ 1.0 1.7 % Reserve for unfunded commitments $ 58.4 $ 0.1 0.1 % Total Loans to Allowance for Credit Losses $ 58.4 $ 1.0 1.8 % Have Taken a COVID-19 Deferral Are Still on Deferral $s in millions Approx. # of Deferrals Balances with Deferrals % of Total Balances Approx. # of Deferrals Balances with Deferrals % of Total Balances Consumer 5,635 $ 1,304 10.0 % 986 $ 218 1.7 % Commercial excl. PPP 4,465 5,479 13.2 % 128 301 0.7 % Total excl. PPP 10,100 $ 6,782 12.4 % 1,140 $ 518 0.9 % Allowance for Credit Losses (ACL) to Loans Ratio $s in millions Loan Balance ACL Balance ACL/Loans Total Loans $ 58,232 $ 1,048 1.8 % Loans to Mortgage Companies (LMC) 5,404 5 0.1 PPP 4,052 — — Total excl. LMC & PPP $ 48,776 $ 1,043 2.1 % Data based on loan balances from credit systems and does not reflect certain general ledger accounting adjustments including unrecognized loan discounts. NAICs codes as of 4Q20. Energy-related loans represented across various categories.Numbers may not add to total due to rounding.

24 Future Accretion Schedule & Reconciliation to GAAP financials Estimated IBKC Securities Premium Amortization1 Estimated IBKC Loan Accretion Estimated Loan Accretion - Other Acquisitions $s in millions $s in millions $s in millions 2021 $ 50 2021 $ 60 2021 $ 22 2022 32 2022 48 2022 13 2023 and beyond $ 68 2023 and beyond $ 87 2023 and beyond $ 11 4Q20 Reported to Core Reconciliation $s in millions NII Margin 4Q20 Reported $ 522 2.71 % Less: non-core items PPP loans and fees 20 (0.04) Current Period loan accretion 33 0.22 Time Deposit Amortization 8 (0.18) Securities Premium Amortization (18) 0.08 4Q20 Core $ 479 2.63 % 4Q20 Reported $ 522 2.71 % Less: unusual items (5) (0.03) 4Q20 Reported ex-unusual items $ 527 2.74 % 4Q20 Core $ 479 2.63 % Less: unusual items (5) (0.03) 4Q20 Core ex-unusual items $ 484 2.65 % 3Q20 Reported to Core Reconciliation $s in millions NII Margin 3Q20 Reported $ 532 2.84 % Less: non-core items PPP loans and fees 26 (0.02) Current Period loan accretion 44 0.30 Time Deposit Amortization 8 (0.26) Securities Premium Amortization (22) 0.13 3Q20 Core $ 476 2.68 % 1Estimated based on market rates and prepayment assumptions as of 12/31/2020. $s in millions 4Q20 4Q20 ex-unusual items 3Q20 4Q20 vs 3Q20 4Q20 ex-unusual items vs. 3Q20 NII - Reported $ 522 $ 527 $ 532 $ (10) $ (5) NIM - Reported 2.71 % 2.74 % 2.84 % (0.13) % (0.10) % NII - Core $ 479 $ 484 $ 476 $ 3 $ 8 NIM - Core 2.63 % 2.65 % 2.68 % (0.05) % (0.02) % 2Q20 Reported to Core Reconciliation $s in millions NII Margin 2Q20 Reported $ 305 2.90 % Less: non-core items PPP loans and fees 15 0.04 Current Period loan accretion 6 0.06 2Q20 Core $ 284 2.80 % 1Q20 Reported to Core Reconciliation $s in millions NII Margin 1Q20 Reported $ 303 3.16 % Less: non-core items PPP loans and fees — — Current Period loan accretion 9 0.09 1Q20 Core $ 284 2.80 % 4Q19 Reported to Core Reconciliation $s in millions NII Margin 4Q19 Reported $ 311 3.26 % Less: non-core items PPP loans and fees — — Current Period loan accretion 16 0.16 4Q19 Core $ 284 2.80 %

25 Reconciliation to GAAP financials Slides in this presentation use Non-GAAP information. That information is not presented according to generally accepted accounting principles (GAAP) and is reconciled to GAAP information below. Adjusted FHN historical quarterly income statements 4Q20 3Q20 2Q20 1Q20 4Q19 ($s in millions, except per share data) GAAP Notable Items Non- GAAP GAAP Notable Items Non- GAAP GAAP Notable Items Non- GAAP GAAP Notable Items Non- GAAP GAAP Notable Items Non- GAAP Interest income $ 574 $ — $ 574 $ 598 $ — $ 598 $ 347 $ — $ 347 $ 378 $ — $ 378 $ 404 $ — $ 404 Interest expense 53 — 53 66 — 66 41 — 41 76 — 76 93 — 93 Net interest income 522 — 522 532 — 532 305 — 305 303 — 303 311 — 311 Noninterest income: Fixed income 104 — 104 111 — 111 112 — 112 96 — 96 81 — 81 Mortgage banking and title 57 — 57 66 — 66 4 — 4 2 — 2 4 — 4 Brokerage, trust, and insurance 31 — 31 30 — 30 22 — 22 23 — 23 22 — 22 Service charges and fees 53 — 53 50 — 50 35 — 35 36 — 36 39 — 39 Card and digital banking fees 18 — 18 17 — 17 12 — 12 12 — 12 14 — 14 Deferred compensation income 9 — 9 4 — 4 8 — 8 (10) — (10) 3 — 3 Other noninterest income 16 (1) 15 546 (532) 14 12 — 12 15 — 15 20 — 20 Total noninterest income 288 (1) 288 823 (532) 291 206 — 206 175 — 175 183 — 183 Total revenue 810 (1) 810 1,355 (532) 823 512 — 512 478 — 478 495 — 495 Noninterest expense: Personnel expense: Salaries and benefits 200 — 200 201 (1) 200 111 (5) 107 113 (1) 112 112 (4) 107 Incentives and commissions 110 (21) 89 126 (34) 91 79 — 79 81 — 81 63 — 63 Deferred compensation expense 9 — 9 3 — 3 9 — 9 (10) — (10) 4 — 4 Total personnel expense 319 (21) 298 329 (35) 294 200 (5) 195 183 (1) 182 179 (4) 174 Occupancy and equipment 76 (2) 74 77 (4) 73 46 — 46 44 — 44 44 — 44 Outside services 59 (7) 52 78 (32) 46 38 (5) 33 38 (2) 37 54 (18) 36 Amortization of intangible assets 15 (1) 14 15 (1) 14 5 — 5 5 — 5 6 6 Other noninterest expense 39 (4) 35 89 (44) 45 31 (4) 27 31 (3) 28 45 (15) 31 Total noninterest expense 508 (34) 474 587 (116) 471 321 (14) 307 302 (6) 296 328 (37) 291 Pre-provision net revenue 302 33 335 768 (416) 352 191 14 205 175 6 181 166 37 203 Provision for credit losses 1 — 1 227 (147) 80 121 — 121 154 — 154 9 — 9 Income before income taxes 301 33 334 541 (269) 272 69 14 84 21 6 27 157 37 194 Provision for income taxes 56 13 69 2 61 63 13 3 15 5 1 6 36 7 43 Net income 245 20 265 539 (331) 208 57 12 68 16 5 21 121 30 151 Net income attributable to noncontrolling interest 3 — 3 3 — 3 3 — 3 3 — 3 3 — 3 Net income attributable to controlling interest 242 20 262 536 (331) 205 54 12 66 14 5 18 118 30 148 Preferred stock dividends 8 — 8 13 — 13 2 — 2 2 — 2 2 — 2 Net income available to common shareholders $ 234 $ 20 $ 255 $ 523 $ (331) $ 193 $ 52 $ 12 $ 64 $ 12 $ 5 $ 17 $ 117 $ 30 $ 147 Common Stock Data EPS $ 0.42 $ 0.04 $ 0.46 $ 0.95 $ (0.60) $ 0.35 $ 0.17 $ 0.04 $ 0.21 $ 0.04 $ 0.01 $ 0.05 $ 0.38 $ 0.10 $ 0.47 Basic shares 553 553 550 550 312 312 312 312 311 311 Diluted EPS $ 0.42 $ 0.04 $ 0.46 $ 0.95 $ (0.60) $ 0.35 $ 0.17 $ 0.04 $ 0.20 $ 0.04 $ 0.01 $ 0.05 $ 0.37 $ 0.10 $ 0.47 Diluted shares 557 557 551 551 313 313 313 313 313 313

26 Reconciliation to GAAP financials Slides in this presentation use Non-GAAP information. That information is not presented according to generally accepted accounting principles (GAAP) and is reconciled to GAAP information below. Adjusted FHN historical annual income statements 2020 2019 ($s in millions, except per share data) GAAP Notable Items Non- GAAP GAAP Notable Items Non- GAAP Interest income $ 1,898 $ — $ 1,898 $ 1,624 $ — $ 1,624 Interest expense 235 — 235 414 — 414 Net interest income 1,662 — 1,662 1,210 — 1,210 Noninterest income: Fixed income 423 — 423 279 — 279 Mortgage banking and title 129 — 129 10 — 10 Brokerage, trust, and insurance 107 — 107 87 — 87 Service charges and fees 174 — 174 153 — 153 Card and digital banking fees 59 — 59 50 — 50 Deferred compensation income 11 — 11 11 — 11 Other noninterest income 589 (533) 56 64 — 64 Total noninterest income 1,492 (533) 960 654 — 654 Total revenue 3,155 (533) 2,622 1,864 — 1,864 Noninterest expense: Personnel expense: Salaries and benefits 625 (7) 619 454 (5) 449 Incentives and commissions 396 (55) 341 228 (10) 219 Deferred compensation expense 11 — 11 13 — 13 Total personnel expense 1,033 (62) 971 695 (15) 680 Occupancy and equipment 243 (6) 238 175 (3) 172 Outside services 213 (46) 166 190 (48) 143 Amortization of intangible assets 40 (2) 38 25 — 25 Other noninterest expense 189 (54) 136 148 (49) 98 Total noninterest expense 1,718 (170) 1,549 1,233 (114) 1,119 Pre-provision net revenue 1,436 (363) 1,073 631 114 745 Provision for credit losses 503 (147) 356 45 — 45 Income before income taxes 933 (216) 717 586 114 700 Provision for income taxes 76 78 154 133 24 157 Net income 857 (294) 563 452 90 543 Net income attributable to noncontrolling interest 12 — 12 11 — 11 Net income attributable to controlling interest 845 (294) 551 441 90 531 Preferred stock dividends 23 — 23 6 — 6 Net income available to common shareholders $ 822 $ (294) $ 528 $ 435 $ 90 $ 525 Common Stock Data EPS $ 1.90 $ (0.68) $ 1.22 $ 1.39 $ 0.29 $ 1.67 Basic shares 432 432 314 314 Diluted EPS $ 1.89 $ (0.68) $ 1.22 $ 1.38 $ 0.29 $ 1.66 Diluted shares 434 434 316 316

27 Reconciliation to GAAP financials Slides in this presentation use Non-GAAP information. That information is not presented according to generally accepted accounting principles (GAAP) and is reconciled to GAAP information below. Combined Historical Data: non-interest income and expense 2Q20 1Q20 4Q19 ($s in millions, except per share data) FHN IBKC Combined FHN IBKC Combined FHN IBKC Combined Noninterest income: Fixed income $ 112 $ — $ 112 $ 96 $ — $ 96 $ 81 $ — $ 81 Mortgage banking and title 4 49 53 2 29 32 4 22 26 Brokerage, trust, and insurance 22 11 33 23 10 34 22 11 33 Service charges and fees 35 11 46 36 14 50 39 15 54 Card and digital banking fees 12 5 17 12 6 19 14 7 20 Deferred compensation income 8 — 8 (10) — (10) 3 — 3 Other noninterest income 12 11 23 15 6 21 20 6 26 Total noninterest income $ 206 $ 86 $ 293 $ 175 $ 65 $ 240 $ 183 $ 60 $ 244 Noninterest expense: Personnel expense: Salaries and benefits $ 111 $ 83 $ 195 $ 113 $ 83 $ 196 $ 112 $ 82 $ 194 Incentives and commissions 79 24 104 81 20 101 63 25 88 Deferred compensation expense 9 — 10 (10) — (10) 4 — 4 Total personnel expense 200 108 308 183 103 286 179 107 286 Occupancy and equipment 46 29 75 44 28 73 44 29 73 Outside services 38 23 61 38 12 51 54 23 77 Amortization of intangible assets 5 4 9 5 4 9 6 4 10 Other noninterest expense 31 30 61 31 30 61 45 19 64 Total noninterest expense $ 321 $ 194 $ 515 $ 302 $ 177 $ 480 $ 328 $ 182 $ 510

28 Reconciliation to GAAP financials Slides in this presentation use Non-GAAP information. That information is not presented according to generally accepted accounting principles (GAAP) and is reconciled to GAAP information below. Adjusted 4Q20 FHN compared to adjusted combined historical data: non-interest income and expense 4Q20 2Q20 1Q20 4Q19 4Q20 vs 4Q19 ($s in millions, except per share data) FHN FHN IBKC Combined FHN IBKC Combined FHN IBKC Combined $/bps % Noninterest income: Fixed income $ 104 $ 112 $ — $ 112 $ 96 $ — $ 96 $ 81 $ — $ 81 $ 23 28 % Mortgage banking and title 57 4 49 53 2 29 32 4 22 26 31 120 Brokerage, trust, and insurance 31 22 11 33 23 10 34 22 11 33 (2) (5) Service charges and fees 53 35 11 46 36 14 50 39 15 54 (1) (2) Card and digital banking fees 18 12 5 17 12 6 19 14 7 20 (2) (8) Deferred compensation income 9 8 — 8 (10) — (10) 3 — 3 6 NM Other noninterest income 15 12 5 18 15 6 21 20 6 26 (11) (43) Total noninterest income $ 288 $ 206 $ 81 $ 287 $ 175 $ 65 $ 240 $ 183 $ 60 $ 244 $ 44 18 % Noninterest expense: Personnel expense: Salaries and benefits $ 200 $ 111 $ 81 $ 193 $ 113 $ 81 $ 194 $ 112 $ 80 $ 193 $ 7 4 % Incentives and commissions 89 75 22 97 80 20 100 58 25 83 6 7 Deferred compensation expense 9 9 — 10 (10) — (10) 4 — 4 5 125 Total personnel expense 298 195 104 300 182 101 283 174 105 279 19 7 Occupancy and equipment 74 46 28 74 44 28 72 44 29 73 1 2 Outside services 52 32 14 46 36 12 49 36 14 49 3 6 Amortization of intangible assets 14 5 4 9 5 4 9 6 4 10 4 37 Other noninterest expense 35 27 30 57 28 30 58 31 19 50 (15) (30) Total noninterest expense $ 474 $ 307 $ 179 $ 486 $ 296 $ 174 $ 471 $ 291 $ 170 $ 462 $ 12 3 %

29 Reconciliation to GAAP financials Slides in this presentation use Non-GAAP information. That information is not presented according to generally accepted accounting principles (GAAP) and is reconciled to GAAP information below. FHN 4Q20 before unusual items and Adjusted 4Q20 compared to prior quarter 4Q20 3Q20 4Q20 GAAP ex- unusual items vs. 3Q20 4Q20 3Q20 4Q20 Adj. ex- unusual items vs. 3Q20 Adj.($s in millions, except per share data) GAAP Unusual Items Non- GAAP GAAP Adjusted Unusual Items Ex-unusual items Adjusted $ $ % Net interest income $ 522 $ 5 $ 527 $ 532 $ (6) $ 522 $ 5 $ 527 $ 532 $ (5) (1) % Noninterest income: Fixed income 104 — 104 111 (7) 104 — 104 111 (7) (6) Mortgage banking and title 57 — 57 66 (8) 57 — 57 66 (9) (14) Brokerage, trust, and insurance 31 — 31 30 2 31 — 31 30 1 3 Service charges and fees 53 — 53 50 3 53 — 53 50 3 6 Card and digital banking fees 18 — 18 17 2 18 — 18 17 1 6 Deferred compensation income 9 — 9 4 5 9 — 9 4 5 125 Other noninterest income 16 3 19 546 (527) 15 3 18 14 4 29 Total noninterest income $ 288 $ 3 $ 292 $ 823 $ (531) $ 288 $ 3 $ 291 $ 291 $ — — % Total revenue $ 810 $ 8 $ 818 $ 1,355 $ (537) $ 810 $ 8 $ 818 $ 823 $ (5) (1) % Noninterest expense: Personnel expense: Salaries and benefits $ 200 $ — $ 200 $ 201 $ (1) $ 200 $ — $ 200 $ 200 $ — — % Incentives and commissions 110 (8) 102 126 (23) 89 (8) 81 91 (10) (11) Deferred compensation expense 9 — 9 3 6 9 — 9 3 6 NM Total personnel expense 319 (8) 311 329 (18) 298 (8) 290 294 (4) (1) Occupancy and equipment 76 — 76 77 — 74 — 74 73 1 1 Outside services 59 — 59 78 (19) 52 — 52 46 6 13 Amortization of intangible assets 15 — 15 15 — 14 — 14 14 — — Other noninterest expense 39 5 44 89 (45) 35 5 40 45 (5) (11) Total noninterest expense $ 508 $ (3) $ 505 $ 587 $ (82) $ 474 $ (3) $ 471 $ 471 $ — — % Pre-provision net revenue $ 302 $ 11 $ 313 $ 768 $ (455) $ 335 $ 11 $ 346 $ 352 $ (6) (2) %

30 Reconciliation to GAAP financials Slides in this presentation use Non-GAAP information. That information is not presented according to generally accepted accounting principles (GAAP) and is reconciled to GAAP information below. 4Q20 & 3Q20 compared to Combined Historical Balance Sheet Data 4Q20 3Q20 4Q19 3Q19 $s in millions FHN FHN FHN IBKC Combined FHN IBKC Combined Loans and Leases: Commercial $ 45,379 78 % $ 46,167 77 % $ 24,388 $ 16,612 $ 41,000 74 % $ 24,523 $ 16,300 $ 40,823 74 % Loans to Mortgage Companies (LMC) 5,404 9 5,607 9 4,411 — 4,411 8 5,038 — 5,038 9 PPP 4,052 7 4,175 7 — — — — — — — — Commercial Loans excl. LMC & PPP 35,923 62 36,385 61 19,977 16,612 36,589 66 19,485 16,300 35,785 65 Consumer real estate 11,725 20 12,328 21 6,177 6,726 12,903 23 6,245 6,703 12,948 24 Credit card and other 1,128 2 1,212 2 496 683 1,179 2 493 673 1,166 2 Loans and leases, net of unearned income $ 58,232 100 % $ 59,707 100 % $ 31,061 $ 24,021 $ 55,082 100 % $ 31,261 $ 23,677 $ 54,938 100 % Interest-bearing liabilities & DDA: Interest-bearing deposits: Savings $ 27,324 37 % $ 26,573 36 % $ 11,665 $ 9,805 $ 21,470 34 % $ 11,489 $ 9,326 $ 20,815 32 % Time deposits 5,070 7 5,526 8 3,618 4,274 7,892 12 4,176 4,629 8,805 14 Other interest-bearing deposits 15,415 21 14,925 20 8,717 4,821 13,538 21 8,011 4,503 12,514 19 Total interest-bearing deposits 47,810 64 47,025 64 24,001 18,900 42,901 67 23,676 18,459 42,135 65 Trading liabilities 353 — 477 1 506 — 506 1 720 — 720 1 Short-term borrowings 2,198 3 2,142 3 3,518 204 3,722 6 3,948 498 4,446 7 Term borrowings 1,670 2 2,162 3 791 1,344 2,135 3 1,195 1,394 2,589 4 Total interest-bearing liabilities 52,030 70 51,805 71 28,816 20,447 49,263 77 29,539 20,351 49,890 77 DDA 22,173 30 21,384 29 8,429 6,320 14,749 23 8,269 6,519 14,788 23 Total interest-bearing liabilities & DDA $ 74,203 100 % $ 73,189 100 % $ 37,245 $ 26,767 $ 64,012 100 % $ 37,808 $ 26,870 $ 64,678 100 % Loans to Deposits ratio 83 % 87 % 96 % 95 % 96 % 98 % 95 % 97 %

31 Reconciliation to GAAP financials Slides in this presentation use Non-GAAP information. That information is not presented according to generally accepted accounting principles (GAAP) and is reconciled to GAAP information below. ($s in millions, except per share data) 4Q20 3Q20 2Q20 1Q20 4Q19 2020 2019 Tangible Common Equity (Non-GAAP) (A) Total equity (GAAP) $ 8,307 $ 8,144 $ 5,208 $ 5,056 $ 5,076 $ 8,307 $ 5,076 Less: Noncontrolling interest 295 295 295 295 295 295 295 Less: Preferred stock 470 470 240 96 96 470 96 (B) Total common equity $ 7,541 $ 7,378 $ 4,673 $ 4,665 $ 4,685 $ 7,541 $ 4,685 Less: Intangible assets (GAAP) 1,864 1,876 1,552 1,558 1,563 1,864 1,563 (C) Tangible common equity (Non-GAAP) $ 5,677 $ 5,502 $ 3,120 $ 3,107 $ 3,122 $ 5,677 $ 3,122 Tangible Assets (Non-GAAP) (D) Total assets (GAAP) $ 84,209 $ 83,030 $ 48,645 $ 47,197 $ 43,311 $ 84,209 $ 43,311 Less: Intangible assets (GAAP) 1,864 1,876 1,552 1,558 1,563 1,864 1,563 (E) Tangible assets (Non-GAAP) $ 82,345 $ 81,154 $ 47,092 $ 45,640 $ 41,748 $ 82,345 $ 41,748 Period-end Shares Outstanding (F) Period-end shares outstanding 555 555 312 312 311 555 311 Ratios (A)/(D) Total equity to total assets (GAAP) 9.86 % 9.81 % 10.71 % 10.71 % 11.72 % 9.86 % 11.72 % (C)/(E) Tangible common equity to tangible assets (“TCE/TA”) (Non-GAAP) 6.89 % 6.78 % 6.63 % 6.81 % 7.48 % 6.89 % 7.48 % (B)/(F) Book value per common share (GAAP) $ 13.59 $ 13.30 $ 14.96 $ 14.96 $ 15.04 $ 13.59 $ 15.04 (C)/(F) Tangible book value per common share (Non-GAAP) $ 10.23 $ 9.92 $ 9.99 $ 9.96 $ 10.02 $ 10.23 $ 10.02

32 Reconciliation to GAAP financials Slides in this presentation use Non-GAAP information. That information is not presented according to generally accepted accounting principles (GAAP) and is reconciled to GAAP information below. ($s in millions, except per share data) 4Q20 3Q20 2Q20 1Q20 4Q19 2020 2019 Adjusted Diluted EPS Net income available to common ("NIAC") (GAAP) a $ 234 $ 523 $ 52 $ 12 $ 117 $ 822 $ 435 Plus Tax effected notable items (Non-GAAP) 20 (331) 12 5 30 (294) 90 Adjusted NIAC (Non-GAAP) b $ 255 $ 192 $ 64 $ 17 $ 147 $ 528 $ 525 Diluted Shares (GAAP) c 557 551 313 313 313 434 316 Diluted EPS (GAAP) a/c $ 0.42 $ 0.95 $ 0.17 $ 0.04 $ 0.37 $ 1.89 $ 1.38 Adjusted diluted EPS (Non-GAAP) b/c $ 0.46 $ 0.35 $ 0.20 $ 0.05 $ 0.47 $ 1.22 $ 1.66 Adjusted Net Income ("NI") and Adjusted Return on Assets ("ROA") Net Income ("NI") (GAAP) $ 245 $ 539 $ 57 $ 16 $ 121 $ 857 $ 452 Plus Tax effected notable items (Non-GAAP) 20 (331) 12 5 30 (294) 90 Adjusted NI (Non-GAAP) $ 265 $ 208 $ 68 $ 21 $ 151 $ 563 $ 543 NI (annualized) (GAAP) d $ 974 $ 2,144 $ 228 $ 66 $ 481 $ 857 $ 452 Adjusted NI (annualized) (Non-GAAP) e $ 1,055 $ 828 $ 275 $ 84 $ 600 $ 563 $ 543 Average assets (GAAP) f $ 83,809 $ 81,683 $ 47,934 $ 43,552 $ 42,886 $ 64,346 $ 41,744 ROA (GAAP) d/f 1.16 % 2.63 % 0.48 % 0.15 % 1.12 % 1.33 % 1.08 % Adjusted ROA (Non-GAAP) e/f 1.26 % 1.01 % 0.57 % 0.19 % 1.40 % 0.87 % 1.30 % Return on Average Common Equity ("ROCE")/ Return on Average Tangible Common Equity ("ROTCE")/ Adjusted ROTCE NIAC (GAAP) g $ 234 $ 523 $ 52 $ 12 $ 117 $ 822 $ 435 Plus Tax effected notable items (Non-GAAP) $ 20 $ (331) $ 12 $ 5 $ 30 $ (294) $ 90 Adjusted NIAC (Non-GAAP) h $ 255 $ 192 $ 64 $ 17 $ 147 $ 528 $ 525 Average Common Equity (GAAP) i $ 7,444 $ 7,309 $ 4,673 $ 4,611 $ 4,649 $ 6,016 $ 4,530 Intangible Assets (GAAP) 1,871 1,794 1,555 1,560 1,566 1,696 1,575 Average Tangible Common Equity (Non-GAAP) j $ 5,573 $ 5,515 $ 3,117 $ 3,051 $ 3,083 $ 4,320 $ 2,955 Equity Adjustment (Non-GAAP) — — — — — 23 28 Adjusted Average Tangible Common Equity (Non-GAAP) k $ 5,573 $ 5,515 $ 3,117 $ 3,051 $ 3,083 $ 4,343 $ 2,983 ROCE (GAAP) g/i 12.53 % 28.49 % 4.50 % 1.05 % 9.97 % 13.66 % 9.60 % Adjusted ROCE (Non-GAAP) h/i 13.61 % 10.49 % 5.51 % 1.45 % 12.52 % 8.78 % 11.59 % ROTCE (Non-GAAP) g/j 16.73 % 37.75 % 6.74 % 1.59 % 15.03 % 19.03 % 14.71 % Adjusted ROTCE (Non-GAAP) h/k 18.18 % 13.90 % 8.26 % 2.19 % 18.88 % 12.15 % 17.60 %

33 Reconciliation to GAAP financials Slides in this presentation use Non-GAAP information. That information is not presented according to generally accepted accounting principles (GAAP) and is reconciled to GAAP information below. $ in millions except per share data) 4Q20 3Q20 2Q20 1Q20 4Q19 2020 2019 Adjusted Noninterest Income as a % of Total Revenue Noninterest income (GAAP) a $ 288 $ 823 $ 206 $ 175 $ 183 $ 1,492 $ 654 Plus notable items (GAAP) (1) (532) — — — (533) — Adjusted noninterest income (Non-GAAP) b 288 291 206 175 183 960 654 Revenue (GAAP) c 810 1,355 512 478 495 3,155 1,864 Plus notable items (GAAP) (1) (532) — — — (533) — Adjusted revenue (Non-GAAP) d $ 810 $ 823 $ 512 $ 478 $ 495 $ 2,623 $ 1,864 Noninterest income as a % of total revenue (GAAP) a/c 35.61 % 60.72 % 40.32 % 36.59 % 37.05 % 47.31 %% 35.09 % Adjusted noninterest income as a % of total revenue (Non-GAAP) b/d 35.56 % 35.32 % 40.32 % 36.59 % 37.05 % 36.60 %% 35.09 % Adjusted Efficiency Ratio Noninterest expense (GAAP) e $ 508 $ 587 $ 321 $ 302 $ 328 $ 1,718 $ 1,233 Plus notable items (GAAP) (34) (116) (14) (6) (37) (170) (114) Adjusted noninterest expense (Non-GAAP) f 474 471 307 296 291 1,549 1,119 Revenue (GAAP) g 810 1,355 512 478 495 3,155 1,864 Plus notable items (GAAP) (1) (532) — — — (533) — Adjusted revenue (Non-GAAP) h $ 810 $ 823 $ 512 $ 478 $ 495 $ 2,622 $ 1,864 Efficiency ratio (GAAP) e/f 62.71 % 43.31 % 62.74 % 63.26 % 66.35 % 54.47 % % 66.15 % Adjusted efficiency ratio (Non-GAAP) g/h 58.57 % 57.26 % 59.95 % 62.05 % 58.88 % 59.06 % % 60.02 % Adjusted Reserve Build Provision for credit losses (GAAP) i $ 1 $ 227 $ 121 $ 154 $ 9 $ 503 $ 45 Plus notable items (GAAP) — (147) — — — (147) — Adjusted provision for credit losses (Non-GAAP) j $ 1 $ 80 $ 121 $ 154 $ 9 $ 356 $ 45 Net Charge-offs (GAAP) k $ 29 $ 67 $ 17 $ 7 $ 3 $ 119 $ 27 Reserve Build/(Release) i-k $ (28) $ 160 $ 104 $ 147 $ 6 $ 384 $ 18 Adjusted Reserve Build/(Release) j-k $ (28) $ 13 $ 104 $ 147 $ 6 $ 237 $ 18