Second Quarter 2022 Earnings July 19, 2022

2 Disclaimers Non-GAAP Information Certain measures included in this document are “non-GAAP,” meaning they are not presented in accordance with generally accepted accounting principles in the U.S. and also are not codified in U.S. banking regulations currently applicable to FHN. FHN’s management believes such measures, even though not always comparable to non-GAAP measures used by other financial institutions, are relevant to understanding the financial condition, capital position, and financial results of FHN and its business segments. The non-GAAP measures presented in this document are listed, and are reconciled to the most comparable GAAP presentation, in the non-GAAP reconciliation table(s) appearing in the Appendix. In addition, presentation of regulatory measures, even those which are not GAAP, provide a meaningful base for comparability to other financial institutions subject to the same regulations as FHN. Although not GAAP terms, these regulatory measures are not considered “non-GAAP” under U.S. financial reporting rules as long as their presentation conforms to regulatory standards. Regulatory measures used in this document include: common equity tier 1 capital, generally defined as common equity less goodwill, other intangibles, and certain other required regulatory deductions; tier 1 capital, generally defined as the sum of core capital (including common equity and instruments that cannot be redeemed at the option of the holder) adjusted for certain items under risk based capital regulations; and risk-weighted assets, which is a measure of total on- and off-balance sheet assets adjusted for credit and market risk, used to determine regulatory capital ratios. Forward-Looking Statements This document contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933, as amended (the "Securities Act"), and Section 21E of the Securities Exchange Act of 1934, as amended (the "Exchange Act"). Forward-looking statements pertain to FHN's beliefs, plans, goals, expectations, and estimates. Forward-looking statements are not a representation of historical information, but instead pertain to future operations, strategies, financial results, or other developments. Forward- looking statements can be identified by the words “believe,” “expect,” “anticipate,” “intend,” “estimate,” “should,” “is likely,” “will,” “going forward,” and other expressions that indicate future events and trends. Forward-looking statements are necessarily based upon estimates and assumptions that are inherently subject to significant business, operational, economic, and competitive uncertainties and contingencies, many of which are beyond FHN’s control, and many of which, with respect to future business decisions and actions (including acquisitions and divestitures), are subject to change and could cause FHN’s actual future results and outcomes to differ materially from those contemplated or implied by forward-looking statements or historical performance. Examples of uncertainties and contingencies include those mentioned: in this document; in Items 2.02 and 7.01 of FHN’s Current Report on Form 8-K to which this document has been filed as an exhibit; in the forepart, and in Items 1, 1A, and 7, of FHN’s most recent Annual Report on Form 10-K, as amended; and in the forepart, and in Item 1A of Part II, of FHN’s Quarterly Report(s) on Form 10-Q filed this year. FHN assumes no obligation to update or revise any forward-looking statements that are made in this document or in any other statement, release, report, or filing from time to time. Throughout this presentation, numbers may not foot due to rounding, references to EPS are fully diluted, 2Q22 capital ratios are estimates, and unless otherwise noted, references to loans reflect average balances and include leases.

3 2Q22 GAAP financial summary1 1Adjusted financial measures, core NII, core NII ex. day count, core NIM, TBV per share, ROTCE, ROTCE before provision credit, fully taxable equivalent measures, PPNR, and loans and leases, ACL and ratios excluding Loans to Mortgage Companies and/or 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, 2Q22 capital ratios are estimates, and unless otherwise noted, references to loans reflect average balances and include leases. Throughout this presentation references to NII, Total Revenue, Net Interest Margin and PPNR are presented on a fully taxable equivalent basis unless otherwise noted.2Second quarter 2022 includes 27.5 million shares related to the full impact of Series G convertible securities issued in connection with TD transaction; First quarter 2022 includes 9.8 million shares related to the one month average impact of these shares. Reported 2Q22 Change vs. $s in millions except per share data 2Q22 1Q22 4Q21 3Q21 2Q21 1Q22 2Q21 $/bps % $/bps % Net interest income $ 542 $ 479 $ 498 $ 492 $ 497 $ 63 13 % $ 45 9 % Fee income 201 229 247 247 285 (28) (12) % (84) (29) % Total revenue 743 707 745 738 781 36 5 % (38) (5) % Expense 489 493 528 526 497 (4) (1) % (8) (2) % Pre-provision net revenue (PPNR) 255 215 217 213 284 40 19 % (29) (10) % Provision for credit losses 30 (40) (65) (85) (115) 70 NM 145 126 % Pre-tax income 225 255 282 298 399 (30) (12) % (174) (44) % Income tax expense 48 57 53 63 88 (9) (16) % (40) (45) % Net income 177 198 229 235 311 (21) (11) % (134) (43) % Non-controlling interest 3 3 3 3 3 — — % — — % Preferred dividends 8 8 8 8 13 — — % (5) (38) % Net income available to common shareholders (NIAC) $ 166 $ 187 $ 219 $ 224 $ 295 $ (21) (11) % $ (129) (44) % $s in billions Avg loans $ 55.6 $ 54.1 $ 54.7 $ 55.5 $ 56.8 $ 1.5 3 % $ (1.3) (2) % Period-end loans $ 56.5 $ 55.0 $ 54.9 $ 55.4 $ 56.7 $ 1.5 3 % $ (0.2) — % Avg deposits $ 71.9 $ 74.2 $ 74.6 $ 73.7 $ 73.2 $ (2.2) (3) % $ (1.2) (2) % Period-end deposits $ 70.5 $ 74.1 $ 74.9 $ 74.3 $ 73.3 $ (3.6) (5) % $ (2.7) (4) % Key performance metrics Net interest margin (NIM) 2.74 % 2.37 % 2.42 % 2.41 % 2.47 % 37 bps 27 bps Loan to deposit ratio (avg.) 77.3 % 72.9 % 73.3 % 75.3 % 77.7 % 432 bps (43) bps ROCE 9.1 % 9.9 % 11.3 % 11.4 % 15.5 % (80) bps (633) bps ROTCE 12.1 % 13.0 % 14.7 % 15.0 % 20.4 % (91) bps (829) bps ROA 0.8 % 0.9 % 1.0 % 1.1 % 1.4 % (8) bps (60) bps Efficiency ratio 65.8 % 69.7 % 70.9 % 71.2 % 63.7 % (390) bps 209 bps FTEs 7,627 7,900 7,863 7,982 8,145 (273) (3) % (518) (6) % CET1 ratio 9.8 % 10.0 % 9.9 % 10.1 % 10.3 % (17) bps (48) bps Effective tax rate 21.3 % 22.4 % 18.6 % 21.1 % 22.0 % (111) bps (73) bps Per common share Diluted EPS $ 0.29 $ 0.34 $ 0.40 $ 0.41 $ 0.53 $ (0.05) (15) % $ (0.24) (45) % Tangible book value per share $ 10.18 $ 10.46 $ 11.00 $ 10.88 $ 10.74 $ (0.28) (3) % $ (0.56) (5) % Avg. diluted shares outstanding2 569 550 542 550 556 19 3 % 13 2 %

4 Table of contents 2Q22 key messages . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5 2Q22 overview . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6 2Q22 notable items . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7 2Q22 adjusted financial highlights . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8 NII and NIM . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9 Adjusted fee income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 Adjusted expense . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11 Total loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12 Total funding . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13 Asset quality . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14 Capital . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15 Merger integration update . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16 Key takeaways . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17 Appendix . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18

5 Well positioned to benefit given economic recovery and outlook for rates Reflects 2Q22 vs. 1Q22 results. 1Adjusted financial measures, core NII, core NII ex. day count, core NIM, TBV per share, ROTCE, ROTCE before provision credit, fully taxable equivalent measures, PPNR, and loans and leases, ACL and ratios excluding Loans to Mortgage Companies and/or 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, 2Q22 capital ratios are estimates, and unless otherwise noted, references to loans reflect average balances and include leases. Throughout this presentation references to NII, Total Revenue, Net Interest Margin and PPNR are presented on a fully taxable equivalent basis unless otherwise noted. +15% Core Net Interest Income +4 bps Total Deposit Costs ~$70 million IBKC Merger Annualized Revenue Synergies -16% Adjusted Noninterest Income Adjusted EPS1 $0.34 Adjusted ROTCE1 14.2% TBV $10.18 +7% Commercial Unfunded Commitments +5% C&I Loans ex. PPP & LMC -4% Adjusted Expense +18% Adjusted PPNR +11.8% Asset Sensitive to +100 bp Shock Scenario

6 2Q22 robust PPNR muted by higher provision despite continued strong credit Benefits of Diversified Model Solid Returns Strong Credit Quality IBKC Merger Update • Adjusted revenue of $733 million increased $29 million, or 4%, QoQ as strength in NII was partially offset by lower noninterest income largely given macroeconomic impacts – NII up $63 million QoQ reflecting the benefit of 3% loan growth and higher rates – Core NII up 15% with C&I loan growth of 5% ex. PPP and LMC – Fee income down 16% largely reflecting the impact of higher long-term rates and macroeconomic uncertainty and volatility on fixed income and deferred comp • Adjusted expense of $438 million down $17 million, or 4%, QoQ driven by lower personnel costs • PPNR of $295 million up $46 million, or 18%, QoQ • Provision expense of $30 million reflects the impact of loan growth/revised macroeconomic outlook • 2Q22 EPS impacted by suspension of share repurchases and the 17.7 million incremental diluted share impact of 1Q22 preferred issuance related to the proposed TD transaction • Adjusted ROTCE of 14.2% • TBVPS of $10.18 decreased $0.28 driven by a $0.43 reduction tied to MTM losses on the securities portfolio recorded in OCI • Credit remains strong with net charge-offs of 9 bps and NPLs of 53 bps • ACL/NPL coverage improved to 2.34x; ACL/Loans ratio of 1.33% excluding LMC/PPP loans • Expect to deliver ~$200 million of targeted annualized net cost saves by 4Q22 • Achieved $140 million of annualized net cost saves through 2Q22 1Adjusted financial measures, core NII, core NII ex. day count, core NIM, TBV per share, ROTCE, ROTCE before provision credit, fully taxable equivalent measures, PPNR, and loans and leases, ACL and ratios excluding Loans to Mortgage Companies and/or 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, 2Q22 capital ratios are estimates, and unless otherwise noted, references to loans reflect average balances and include leases. Throughout this presentation references to NII, Total Revenue, Net Interest Margin and PPNR are presented on a fully taxable equivalent basis unless otherwise noted. Adjusted EPS of $0.34 and PPNR of $295 million1 Proposed TD Transaction • Expect deal to close in 1Q of TD’s 2023 fiscal year – FHN shareholder approval received on May 31st, 2022 with more than 99% of votes cast in favor – Public meeting with Fed and OCC scheduled for August 18th, 2022 – Regulatory approval applications progressing

7 2Q22 notable items1 1Adjusted financial measures, core NII, core NII ex. day count, core NIM, TBV per share, ROTCE, ROTCE before provision credit, fully taxable equivalent measures, PPNR, and loans and leases, ACL and ratios excluding Loans to Mortgage Companies and/or 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, 2Q22 capital ratios are estimates, and unless otherwise noted, references to loans reflect average balances and include leases. Throughout this presentation references to NII, Total Revenue, Net Interest Margin and PPNR are presented on a fully taxable equivalent basis unless otherwise noted.2Includes pre-closing expenses incurred by IBKC. 2Q22 IBKC merger-related notable items Noninterest expense: Total noninterest expense 13 2Q22 Total IBKC net merger-related notable items $ (13) 2Q22 TD transaction-related items Noninterest expense: Total noninterest expense 25 2Q22 Total TD transaction-related costs $ (25) 2Q22 Other notable items Noninterest income: Mortgage banking and title $ (12) Noninterest expense: Other noninterest expense 12 2Q22 Total other notable items $ — 2Q22 Total notable items (38) Tax impact of 2Q22 notable items 9 After-tax impact of 2Q22 notable items $ (29) EPS impact of 2Q22 notable items $ (0.05) IBKC Cumulative Net Pre-tax Integration Costs Cost to Date Targeted 4Q19 - 1Q222 Purchase Acct. 2Q22 Total Remaining Total $ 388 $ 100 $ 12 $ 501 $20 - $30 $520 - $530 Notable Items ($s in millions, except per share data) GAAP results reduced by $29 million after-tax, or $0.05 per share, of notable items • IBKC merger-related expense of $13 million • TD transaction-related expense of $25 million • Other notable items reflect a $12 million mortgage servicing rights gain and $12 million tied to derivative valuation adjustments related to prior Visa Class-B share sales Pre-tax Notable Items

8 • Adjusted EPS of $0.34 vs. $0.38; includes a $0.10 per share reduction tied to a change in provision for credit losses – Adjusted ROTCE of 14.2% and TBV per share of $10.18 • Total revenue up $29 million, or 4% • NII up $63 million, or 13%, given 3% loan growth and benefit of higher rates – Core NII up $70 million, or 15% • Adjusted fee income down 16% largely reflecting declines in fixed income and deferred comp given the impact of higher long-term rates and macroeconomic uncertainty & volatility • Adjusted expense down $17 million, or 4%, driven by lower incentives and commissions and deferred comp • Provision expense of $30 million vs. $40 million provision credit in 1Q22 reflects the impact of loan growth and revised macroeconomic outlook 2Q22 adjusted financial highlights1 2Q22 Change vs. $s in millions except per share data 2Q22 1Q22 2Q21 1Q22 2Q21 $/bps % $/bps % Net Interest Income (FTE) $ 545 $ 482 $ 500 $ 63 13 % $ 45 9 % Fee income 188 223 287 (35) (16) % (99) (34) % Total revenue (FTE) 733 704 787 29 4 % (54) (7) % Expense 438 455 465 (17) (4) % (27) (6) % Pre-provision net revenue 295 249 321 46 18 % (26) (8) % Provision for credit losses 30 (40) (115) 70 NM 145 126 % Net charge-offs 12 10 (10) 3 29 % 22 NM Reserve build/(release) 18 (50) (105) 67 136 % 123 117 % Net income available to common $ 195 $ 211 $ 321 $ (16) (8) % $ (126) (39) % Key performance metrics Fee income as a % of total revenue 25.7 % 31.6 % 36.5 % (595) bps (1,081) bps Efficiency ratio 59.8 % 64.6 % 59.2 % (485) bps 62 bps ROTCE 14.2 % 14.7 % 22.2 % (53) bps (803) bps Diluted EPS $ 0.34 $ 0.38 $ 0.58 $ (0.04) (11) % $ (0.24) (41) % Diluted shares2 569 550 556 19 3 % 13 2 % TBV per share $ 10.18 $ 10.46 $ 10.74 $ (0.28) (3) % $ (0.56) (5) % Effective tax rate 21.7 % 22.5 % 22.2 % (85) bps (50) bps PPNR up 18% driven by strength in NII and lower expense 1Adjusted financial measures, core NII, core NII ex. day count, core NIM, TBV per share, ROTCE, ROTCE before provision credit, fully taxable equivalent measures, PPNR, and loans and leases, ACL and ratios excluding Loans to Mortgage Companies and/or 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, 2Q22 capital ratios are estimates, and unless otherwise noted, references to loans reflect average balances and include leases. Throughout this presentation references to NII, Total Revenue, Net Interest Margin and PPNR are presented on a fully taxable equivalent basis unless otherwise noted. 2Second quarter 2022 includes 27.5 million shares related to the full impact of Series G convertible securities issued in connection with TD transaction; First quarter 2022 includes 9.8 million shares related to the one month average impact of these shares. 2Q22 vs. 1Q22 Highlights

9 NII trends reflect the benefit of rising rates and loan growth 1 $500 $495 $502 $482 $545 $450 $454 $466 $462 $532 2.47% 2.41% 2.42% 2.37% 2.74% Core NII Reported NII Reported NIM 2Q21 3Q21 4Q21 1Q22 2Q22 ($s in millions) FTE NII and NIM Trends Core NIM 2.36% 2.28% 2.28% 2.29% 2.69% 1Adjusted financial measures, core NII, core NII ex. day count, core NIM, TBV per share, ROTCE, ROTCE before provision credit, fully taxable equivalent measures, PPNR, and loans and leases, ACL and ratios excluding Loans to Mortgage Companies and/or 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, 2Q22 capital ratios are estimates, and unless otherwise noted, references to loans reflect average balances and include leases. Throughout this presentation references to NII, Total Revenue, Net Interest Margin and PPNR are presented on a fully taxable equivalent basis unless otherwise noted. • FTE NII up $63 million, or 13%, and NIM up 37 bps despite a $6 million, or 2 bps, reduction in net merger- related and PPP benefits • Core NII of $532 million up $70 million, or 15% – Benefit of higher rates, loan balances and investment portfolio income partially offset by spread compression – Securities portfolio balances increased 1% to $9.8 billion • Core NIM increased 40 bps to 2.69% – Benefit of higher rates, lower excess cash, improved securities yields and loan growth partially offset by the impact of higher funding costs and spread compression – Period-end excess cash of $8.7 billion decreased from $12.7 billion in 1Q22 2Q22 vs. 1Q22 $s in millions NII NIM 1Q22 Reported 482 2.37 % PPP coupon income and fees 12 0.04 % Net merger-related impacts 8 0.04 % 1Q22 Core $ 462 2.29 % Loan balances & rates/spreads 52 0.21 % Securities portfolio & cash 21 0.22 % Day count & other 7 0.02 % Funding costs (9) (0.05) % 2Q22 Core $ 532 2.69 % PPP coupon income and fees 7 0.02 % Net merger-related impacts 6 0.04 % 2Q22 Reported $ 545 2.74 % Results reflect higher investment portfolio income and 5% C&I loan growth ex. PPP and LMC 2Q22 vs. 1Q22 Highlights

10 • Adjusted fee income decreased $35 million, or 16%, driven by a reduction in fixed income, deferred comp and other noninterest income • Fixed income decreased $22 million reflecting the impact of higher long-term rates and macroeconomic uncertainty & volatility; ADR of $612 thousand • Mortgage banking and title fees were stable as the impact of lower mortgage origination volume given the higher long-term rates and continued mix shift toward portfolio loans was offset by an increase in title • Deferred compensation down $13 million • Card and digital banking fees improved $3 million largely reflecting the impact of rebate benefits, seasonality, and methodology changes following conversion • Other noninterest income down $3 million driven by lower swap-related income Adjusted fee income trends impacted by higher rates and macro volatility1 1Adjusted financial measures, core NII, core NII ex. day count, core NIM, TBV per share, ROTCE, ROTCE before provision credit, fully taxable equivalent measures, PPNR, and loans and leases, ACL and ratios excluding Loans to Mortgage Companies and/or 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, 2Q22 capital ratios are estimates, and unless otherwise noted, references to loans reflect average balances and include leases. Throughout this presentation references to NII, Total Revenue, Net Interest Margin and PPNR are presented on a fully taxable equivalent basis unless otherwise noted. 2Q22 Change vs. $s in millions 2Q22 1Q22 4Q21 3Q21 2Q21 1Q22 2Q21 $/bps % $/bps % Fixed income $ 51 $ 73 $ 82 $ 96 $ 102 $(22) (30) % $(51) (50) % Service charges and fees 57 57 56 56 54 — — % 3 6 % Mortgage banking & title 22 22 28 34 38 — — % (16) (42) % Brokerage, trust, and insurance 36 37 36 37 35 (1) (3) % 1 3 % Card and digital banking fees 23 20 19 21 21 3 15 % 2 10 % Deferred compensation income (17) (4) — 3 7 (13) NM (24) NM Other noninterest income 15 18 25 21 29 (3) (17) % (14) (48) % Total fee income $ 188 $ 223 $ 246 $ 268 $ 287 $(35) (16) % $(99) (34) % Key Metrics Fixed Income Average Daily Revenue (ADR) $ 0.6 $ 1.0 $ 1.1 $ 1.3 $ 1.4 $ (0.4) (38) % $ (0.8) (57) % Mortgage banking Originations Secondary $ 467 $ 533 $ 706 $ 772 $ 998 $ (66) (12) % $ 531 (53) % Portfolio $ 1,120 $ 801 $ 874 $ 829 $ 791 $ 319 40 % $ (329) 42 % Total $ 1,578 $ 1,334 $ 1,580 $ 1,601 $ 1,789 $ 244 18 % $ 211 (12) % Gain on sale spread 2.41 % 2.65 % 2.98 % 2.91 % 3.19 % (24) bps (78) bps Mix Purchase 80 % 61 % 51 % 56 % 65 % Refinance 20 % 39 % 49 % 44 % 35 % Results driven by declines in fixed income and deferred comp 2Q22 vs. 1Q22 Highlights

11 Adjusted expense down 4% driven by lower personnel costs 1Adjusted financial measures, core NII, core NII ex. day count, core NIM, TBV per share, ROTCE, ROTCE before provision credit, fully taxable equivalent measures, PPNR, and loans and leases, ACL and ratios excluding Loans to Mortgage Companies and/or 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, 2Q22 capital ratios are estimates, and unless otherwise noted, references to loans reflect average balances and include leases. Throughout this presentation references to NII, Total Revenue, Net Interest Margin and PPNR are presented on a fully taxable equivalent basis unless otherwise noted. 2Occupancy and Equipment expense includes Computer Software Expense. • Adjusted expense of $438 million decreased $17 million, or 4%, largely as lower personnel costs were partially offset by an increase in other noninterest expense – $6 million benefit tied to incremental merger cost saves • Personnel expense down $31 million – Salaries and benefits up modestly largely as the benefit of lower FICA taxes and merger saves was partially offset by the incremental impact of 1Q22 merit increases, day count, FHN-announced minimum wage increase to $18/hr and seasonally higher medical and profit-sharing costs – Incentives and commissions down $21 million largely reflecting reduced revenue-based incentives • Outside services up $2 million • Other noninterest expense increased $13 million largely reflecting a reduction in internal labor charged to IBKC merger as well as the impact of higher fraud losses, travel and entertainment, FDIC insurance and customer relations costs 2Q22 Change vs. $s in millions 2Q22 1Q22 4Q21 3Q21 2Q21 1Q22 2Q21 $/bps % $/bps % Salaries and benefits $ 190 $ 188 $ 189 $ 191 $ 191 $ 2 1 % $ (1) (1) % Incentives and commissions 71 92 84 92 93 (21) (23) % (22) (24) % Deferred compensation expense (18) (5) 1 4 6 (13) NM (24) NM Total personnel expense 244 275 274 286 290 (31) (11) % (46) (16) % Occupancy and equipment 72 72 73 74 75 — — % (3) (4) % Outside services 61 59 66 65 56 2 3 % 5 9 % Amortization of intangible assets 12 12 13 13 13 — — % (1) (8) % Other noninterest expense 50 37 46 42 31 13 35 % 19 61 % Total noninterest expense $ 438 $ 455 $ 474 $ 480 $ 465 $ (17) (4) % $ (27) (6) % Full-time equivalent associates 7,627 7,900 7,863 7,982 8,145 (273) (3) % (518) (6) % Results largely reflect lower revenue-based incentives and commissions and deferred comp 2 2Q22 vs. 1Q22 Highlights

12 • Loans of $55.6 billion up $1.5 billion on a 3% increase in commercial and consumer – C&I loan growth ex. PPP & LMC up 5% driven by Texas, Florida, Tennessee, and Georgia – Total core loan yields expanded 27 bps • Period-end loans of $56.5 billion up $1.5 billion, or 3%, driven by a $933 million, or 2%, increase in commercial and $584 million, or 5%, increase in consumer – $2.2 billion, or 4%, increase in loans before the impact of PPP and LMC – C&I loan growth ex. PPP & LMC up 5% driven by Florida, Corporate Banking, Mid-Atlantic and Georgia – Unfunded commitments increased 6% 1Adjusted financial measures, core NII, core NII ex. day count, core NIM, TBV per share, ROTCE, ROTCE before provision credit, fully taxable equivalent measures, PPNR, and loans and leases, ACL and ratios excluding Loans to Mortgage Companies and/or 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, 2Q22 capital ratios are estimates, and unless otherwise noted, references to loans reflect average balances and include leases. Throughout this presentation references to NII, Total Revenue, Net Interest Margin and PPNR are presented on a fully taxable equivalent basis unless otherwise noted. 2Utilization rates exclude Loans to Mortgage Companies. Period-end commercial line utilization2 3Q21 4Q21 1Q22 2Q22 Utilization % 44% 42% 41% 41% $56.7B $55.0B $56.5B $55.5B $54.7B $54.1B $55.6B Commercial and Industrial (C&I) excl. LMC & PPP Commercial real estate (CRE) Consumer real estate Credit card and other Payroll Protection Program (PPP) Loans to mortgage companies (LMC) 2Q21 . . . . 1Q22 2Q22 3Q21 4Q21 1Q22 2Q22 Loan trends 23% 49% 2% 20% 6% 19% 1% 2% 43% 22% 8% 5% 3Q21 4Q21 1Q22 2Q22 Yields 3.47% 3.45% 3.34% 3.57% Core yields 3.25% 3.20% 3.16% 3.43% Avg 1M LIBOR 0.09% 0.09% 0.22% 0.99% Period-end Average Total loan growth of 3%1 45% 22% 20% 2% 3% 9% C&I ex PPP & LMC up 5% QoQ 2Q22 vs. 1Q22 Highlights 49% 23% 20% 2% 1% 6% 42% 22% 19% 2% 9% 48% 23% 20% 2% 2% 7% 23% 48% 2% 20% 7% 1%7%

13 Demand Deposit Accounts (DDA) Savings Time deposits Other interest-bearing deposits 2Q21 . . . . . 1Q22 2Q22 3Q21 4Q21 1Q22 2Q22 Deposit costs reflect pricing discipline and impact of rising rates1 Interest-bearing liabilities & DDA trends • Average deposits of $71.9 billion decreased $2.2 billion, or 3%, driven by a $2.1 billion decrease in interest-bearing deposits – Period-end deposits of $70.5 billion decreased $3.6 billion with a $2.6 billion decrease in interest-bearing and a $937 million decrease in DDA • Deposit costs of 10 bps increased 4 bps – Interest-bearing deposit costs of 16 bps increased 6 bps despite 77 bp increase in average LIBOR – Interest-bearing deposit betas of 10% in the quarter • Total funding costs of 22 bps increased 6 bps given higher rates 36% 33% 4% 27% 35% 35% 5% 25% 36% 34% 4% 26% 3Q21 4Q21 1Q22 2Q22 Deposit cost of funds 11 bps 7 bps 6 bps 10 bps Total cost of funds 21 bps 16 bps 16 bps 22 bps Avg 1M LIBOR 0.09% 0.09% 0.22% 0.99% 1Adjusted financial measures, core NII, core NII ex. day count, core NIM, TBV per share, ROTCE, ROTCE before provision credit, fully taxable equivalent measures, PPNR, and loans and leases, ACL and ratios excluding Loans to Mortgage Companies and/or 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, 2Q22 capital ratios are estimates, and unless otherwise noted, references to loans reflect average balances and include leases. Throughout this presentation references to NII, Total Revenue, Net Interest Margin and PPNR are presented on a fully taxable equivalent basis unless otherwise noted. Improved deposit mix with interest-bearing deposits down $2.1 billion 36% 34% 5% 26% 36% 33% 4% 27% Period-end Average 2Q22 vs. 1Q22 Highlights 33% 35% 6% 26% 37% 33% 4% 27% $75.8B $78.4B$79.0B$78.4B $74.5B $77.9B$77.7B

14 Continued strong credit quality 1Net charge-off % is annualized and as % of average loans. $890 $802 $736 $686 $704 1.57% 1.45% 1.34% 1.25% 1.24% 259% 231% 267% 207% 234% ACL ACL/Loans ACL/NPLs 2Q21 3Q21 4Q21 1Q22 2Q22 Allowance for credit losses (ACL) Non-performing loans (NPLs) $344 $347 $275 $332 $301 0.61% 0.63% 0.50% 0.60% 0.53% NPLs $ NPLs % 2Q21 3Q21 4Q21 1Q22 2Q22 • Net charge-offs of $12 million remained relatively stable • NPL ratio of 53 bps decreased 7 bps • ACL coverage ratio of 1.24% vs. 1.25%; ACL coverage ex. LMC and PPP of 1.33% • 234% ACL coverage of NPLs • Provision expense of $30 million compared with a $40 million provision credit in 1Q22 – $18 million reserve build reflects the impact of loan growth and revised macroeconomic outlook 1 $(10) $3 $1 $10 $12 $(115) $(85) $(65) $(40) $30 (0.07)% 0.02% 0.01% 0.07% 0.09% NCOs Provision for credit losses NCO% 2Q21 3Q21 4Q21 1Q22 2Q22 Reserve build reflects the impact of loan growth and revised macroeconomic outlook 2Q22 vs. 1Q22 Highlights ($s in millions) Provision, credit losses, and net charge-offs

15 2Q21 3Q22 4Q22 1Q22 #VALUE! CET1 ratio Tier 1 capital ratio Total capital ratio 2Q21 3Q21 4Q21 1Q22 2Q22 Strong capital position1 Capital levels 11.4% 13.1% 12.6% 11.2% 12.3% 11.0% 13.2% 11.8% 13.0% 11.6% Tangible book value per share 10.0% 0.33% (0.33)% (0.13)% (0.04)% 9.8% 1Q22 actual Adjusted NIAC and other Loans/ unfunded commitments growth Common Dividend Notable Items 2Q22 estimate $10.46 $0.39 $(0.43) $(0.15) $(0.05) $(0.03) $10.18 1Q22 actual Adjusted NIAC, net of change in Intangibles AFS Securities MTM Common Dividends Notable Items Other 2Q22 actual • TBVPS of $10.18 decreased 3% driven by a $0.43 reduction tied to MTM valuation adjustments on securities • CET1 ratio remained strong at 9.8% – The benefit of NIAC more than offset by a reduction tied to growth in loans and unfunded commitments and common dividends • Total capital of 12.95% vs. 13.18% in 1Q21 1Adjusted financial measures, core NII, core NII ex. day count, core NIM, TBV per share, ROTCE, ROTCE before provision credit, fully taxable equivalent measures, PPNR, and loans and leases, ACL and ratios excluding Loans to Mortgage Companies and/or 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, 2Q22 capital ratios are estimates, and unless otherwise noted, references to loans reflect average balances and include leases. Throughout this presentation references to NII, Total Revenue, Net Interest Margin and PPNR are presented on a fully taxable equivalent basis unless otherwise noted. 2Q22 vs. 1Q22 CET1 ratio 10.3% 10.1% 9.9% 10.0% 9.8% 2Q22 vs. 1Q22 Highlights

16 IBKC Merger • Successfully completed systems and signage conversion • Remain on track to meet annualized cost saves target by 4Q22 Proposed Acquisition by TD • Expect deal to close in 1Q of TD’s 2023 fiscal year – FHN shareholder approval received on May 31st, 2022 with more than 99% of votes cast in favor – Public meeting with Fed and OCC scheduled for August 18th, 2022 – Applications for regulatory approvals progressing • Launched Integration Management Office and development of plans for legal day one are underway • Current focus on talent identification and retention – Retention programs established IBKC merger integration and TD acquisition update IBKC Merger Highlights Targeting annualized cost saves of ~$200 million by 4Q22 Achieved ~$35 million of savings in 2Q22 ~$70 million of identified annualized revenue synergies largely tied to commercial loans Additional synergies tied to debt capital markets, mortgage and private client/wealth In Period Savings Actual Estimated 2021 2022 ~$92mm ~$160mm Annualized Run-Rate Savings Actual Estimated 1Q22 2Q22 4Q22 ~$116mm ~$140mm ~$200mm

17 Focused on driving enhanced value • Focused on driving enhanced value for our associates, clients, communities and shareholders as we plan to join forces with TD • Deliver further benefits of diversified business model through revenue synergies and loan growth – Leverage benefits of MOE integrated systems and product set to serve clients – Drive continuous improvement in productivity and efficiency beyond the integration • Actively manage balance sheet and maintain excellent credit quality – Continue to improve overall balance sheet asset and funding mix – Maintain strong risk management practices

APPENDIX 18

19 NII accretion schedule & NII/NIM 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 3Q22 $ (8) 3Q22 $ 12 3Q22 $ 3 4Q22 $ (7) 4Q22 $ 10 4Q22 $ 3 2023 and beyond $ (70) 2023 and beyond $ 50 2023 and beyond $ 8 1Estimated based on market rates and prepayment assumptions as of 6/30/2022. 2Q21 Reported to Core Reconciliation $s in millions NII NIM 2Q21 Reported (FTE) $ 500 2.47 % Less: non-core items PPP coupon income and fees 35 0.03 Time Deposit Amortization 1 — Loan Accretion 25 0.14 IBKC Premium Amortization (12) (0.06) 2Q21 Core (FTE) $ 450 2.36 % 3Q21 Reported to Core Reconciliation $s in millions NII NIM 3Q21 Reported (FTE) $ 495 2.41 % Less: non-core items PPP coupon income and fees 32 0.07 Loan Accretion 20 0.10 IBKC Premium Amortization (12) (0.06) 3Q21 Core (FTE) $ 454 2.28 % 1Q22 Reported to Core Reconciliation $s in millions NII NIM 1Q22 Reported (FTE) $ 482 2.37 % Less: non-core items PPP coupon income and fees 12 0.04 Loan Accretion 17 0.09 IBKC Premium Amortization (10) (0.05) 1Q22 Core (FTE) $ 462 2.29 % 4Q21 Reported to Core Reconciliation $s in millions NII NIM 4Q21 Reported (FTE) $ 502 2.42 % Less: non-core items PPP coupon income and fees 30 0.10 Loan Accretion 15 0.08 IBKC Premium Amortization (10) (0.05) 4Q21 Core (FTE) $ 466 2.28 % 2Q22 Reported to Core Reconciliation $s in millions NII NIM 2Q22 Reported (FTE) $ 545 2.74 % Less: non-core items PPP coupon income and fees 7 0.02 Loan Accretion 15 0.08 IBKC Premium Amortization (8) (0.04) 2Q22 Core (FTE) $ 532 2.69 %

20 Notable Items ($s in millions except per share data) Favorable / (Unfavorable) (In millions, except per share data) 2Q22 1Q22 4Q21 3Q21 2Q21 Noninterest income: Gain on mortgage servicing rights (mortgage banking and title) $ (12) $ — $ — $ — $ — Purchase accounting gain (other noninterest income)1 — — — — 2 Retirement of legacy IBKC TruPS (other noninterest income) — — 3 23 — Branch sale gain (other noninterest income) — — (4) (2) — Gain on fintech investment (other noninterest income) — (6) — — — Total noninterest income (12) (6) — 22 2 Noninterest expense: Salaries and benefits 1 (2) — — — Incentives and commissions (22) (2) (9) (10) (16) Deferred compensation expense — — (6) — — Total personnel expenses (21) (4) (16) (10) (16) Occupancy and equipment (1) — — (1) — Outside services (9) (25) (15) (24) (6) Amortization of intangible assets (1) (1) (1) (1) (1) Other noninterest expense (18) (7) (23) (10) (9) Total noninterest expense (50) (37) (54) (46) (32) Income before income taxes 38 32 54 68 34 Tax impact of notable items 9 7 13 17 8 After-tax impact of notable items $ 29 $ 24 $ 41 $ 51 $ 26 EPS impact of notable items $ (0.05) $ (0.04) $ (0.08) $ (0.09) $ (0.05) Diluted shares 569 550 542 550 556 1Purchase accounting gain is non-taxable income.

21 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 2Q22 1Q22 4Q21 3Q21 2Q21 ($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 - FTE $ 583 $ 3 $ 586 $ 510 $ 3 $ 513 $ 531 $ 3 $ 534 $ 533 $ 3 $ 536 $ 542 $ 3 $ 545 Interest expense- FTE 41 — 41 31 — 31 33 — 33 41 — 41 45 — 45 Net interest income- FTE 542 3 545 479 3 482 498 3 502 492 3 495 497 3 500 Less: Taxable-equivalent adjustment — 3 3 — 3 3 — 3 3 — 3 3 — 3 3 Net interest income 542 — 542 479 — 479 498 — 498 492 — 492 497 — 497 Noninterest income: Fixed income 51 — 51 73 — 73 82 — 82 96 — 96 102 — 102 Mortgage banking and title 34 (12) 22 22 — 22 28 — 28 34 — 34 38 — 38 Brokerage, trust, and insurance 36 — 36 37 — 37 36 — 36 37 — 37 35 — 35 Service charges and fees 57 — 57 57 — 57 56 — 56 56 — 56 54 — 54 Card and digital banking fees 23 — 23 20 — 20 19 — 19 21 — 21 21 — 21 Deferred compensation income (17) — (17) (4) — (4) — — — 3 — 3 7 — 7 Other noninterest income 16 — 15 24 (6) 18 25 — 25 (1) 22 21 27 2 29 Total noninterest income 201 (13) 188 229 (6) 223 247 — 246 247 22 268 285 2 287 Total revenue 743 (13) 730 707 (6) 702 745 — 745 738 22 760 781 2 784 Noninterest expense: Personnel expense: Salaries and benefits 190 1 191 190 (2) 188 190 — 189 191 — 191 191 — 191 Incentives and commissions 93 (22) 71 94 (2) 92 93 (9) 84 101 (10) 92 109 (16) 93 Deferred compensation expense (18) — (18) (5) — (5) 7 (6) 1 4 — 4 6 — 6 Total personnel expense 265 (21) 244 280 (4) 275 290 (16) 274 296 (10) 286 306 (16) 290 Occupancy and equipment 73 (1) 72 72 — 72 74 — 73 75 (1) 74 75 — 75 Outside services 70 (9) 61 84 (25) 59 81 (15) 66 89 (24) 65 63 (6) 56 Amortization of intangible assets 13 (1) 12 13 (1) 12 14 (1) 13 14 (1) 13 14 (1) 13 Other noninterest expense 68 (18) 50 44 (7) 37 70 (23) 46 52 (10) 42 40 (9) 31 Total noninterest expense 489 (50) 438 493 (37) 455 528 (54) 474 526 (46) 480 497 (32) 465 Pre-provision net revenue 255 38 293 215 32 246 217 54 271 213 68 281 284 34 318 Provision for credit losses 30 — 30 (40) — (40) (65) — (65) (85) — (85) (115) — (115) Income before income taxes 225 38 263 255 32 286 282 54 336 298 68 365 399 34 433 Provision for income taxes 48 9 57 57 7 64 53 13 65 63 17 80 88 8 96 Net income 177 29 205 198 24 222 229 41 271 235 51 286 311 26 337 Net income attributable to noncontrolling interest 3 — 3 3 — 3 3 — 3 3 — 3 3 — 3 Net income attributable to controlling interest 174 29 202 195 24 219 227 41 268 232 51 283 308 26 334 Preferred stock dividends 8 — 8 8 — 8 8 — 8 8 — 8 13 — 13 Net income available to common shareholders $ 166 $ 29 $ 195 $ 187 $ 24 $ 211 $ 219 $ 41 $ 260 $ 224 $ 51 $ 275 $ 295 $ 26 $ 321 Common Stock Data EPS $ 0.31 $ (0.05) $ 0.36 $ 0.35 $ (0.05) $ 0.40 $ 0.41 $ (0.08) $ 0.48 $ 0.41 $ (0.09) $ 0.50 $ 0.54 $ (0.05) $ 0.58 Basic shares 535 535 533 533 537 537 546 546 550 550 Diluted EPS $ 0.29 $ (0.05) $ 0.34 $ 0.34 $ (0.04) $ 0.38 $ 0.40 $ (0.08) $ 0.48 $ 0.41 $ (0.09) $ 0.50 $ 0.53 $ (0.05) $ 0.58 Diluted shares 569 569 550 550 542 542 550 550 556 556 Memo: Total Revenue-FTE (Non-GAAP) $ 743 $ (10) $ 733 $ 707 $ 3 $ 704 $ 745 $ 3 $ 748 $ 738 $ 24 $ 763 $ 781 $ 5 $ 787 PPNR-FTE (Non-GAAP) 255 39 295 215 34 249 217 58 274 213 71 283 284 37 321

22 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) 2Q22 1Q22 4Q21 3Q21 2Q21 Tangible Common Equity (Non-GAAP) (A) Total equity (GAAP) $ 8,551 $ 8,696 $ 8,494 $ 8,533 $ 8,566 Less: Noncontrolling interest 295 295 295 295 295 Less: Preferred stock 1,014 1,014 520 520 520 (B) Total common equity $ 7,242 $ 7,387 $ 7,679 $ 7,717 $ 7,750 Less: Intangible assets (GAAP) 1,782 1,795 1,808 1,822 1,836 (C) Tangible common equity (Non-GAAP) $ 5,459 $ 5,592 $ 5,871 $ 5,895 $ 5,914 Tangible Assets (Non-GAAP) (D) Total assets (GAAP) $ 85,132 $ 88,660 $ 89,092 $ 88,537 $ 87,908 Less: Intangible assets (GAAP) 1,782 1,795 1,808 1,822 1,836 (E) Tangible assets (Non-GAAP) $ 83,350 $ 86,865 $ 87,284 $ 86,715 $ 86,072 Period-end Shares Outstanding (F) Period-end shares outstanding 536 535 534 542 551 Ratios (A)/(D) Total equity to total assets (GAAP) 10.04 % 9.81 % 9.53 % 9.64 % 9.74 % (C)/(E) Tangible common equity to tangible assets (“TCE/TA”) (Non-GAAP) 6.55 % 6.44 % 6.73 % 6.80 % 6.87 % (B)/(F) Book value per common share (GAAP) $ 13.50 $ 13.82 $ 14.39 $ 14.24 $ 14.07 (C)/(F) Tangible book value per common share (Non-GAAP) $ 10.18 $ 10.46 $ 11.00 $ 10.88 $ 10.74

23 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) 2Q22 1Q22 4Q21 3Q21 2Q21 Adjusted Diluted EPS Net income available to common shareholders ("NIAC") (GAAP) a $ 166 $ 187 $ 219 $ 224 $ 295 Plus Tax effected notable items (Non-GAAP) 29 24 41 51 26 Adjusted Net income available to common shareholders (Non-GAAP) b $ 195 $ 211 $ 260 $ 275 $ 321 Diluted Shares (GAAP) c 569 550 542 550 556 Diluted EPS (GAAP) a/c $ 0.29 $ 0.34 $ 0.40 $ 0.41 $ 0.53 Adjusted diluted EPS (Non-GAAP) b/c $ 0.34 $ 0.38 $ 0.48 $ 0.50 $ 0.58 Adjusted Net Income ("NI") and Adjusted Return on Assets ("ROA") Net Income ("NI") (GAAP) $ 177 $ 198 $ 229 $ 235 $ 311 Plus Tax effected notable items (Non-GAAP) 29 24 41 51 26 Adjusted NI (Non-GAAP) $ 205 $ 222 $ 271 $ 286 $ 337 NI (annualized) (GAAP) d $ 709 $ 801 $ 910 $ 931 $ 1,247 Adjusted NI (annualized) (Non-GAAP) e $ 823 $ 900 $ 1,074 $ 1,133 $ 1,353 Average assets (GAAP) f $ 86,326 $ 88,587 $ 89,025 $ 88,401 $ 87,559 ROA (GAAP) d/f 0.82 % 0.90 % 1.02 % 1.05 % 1.42 % Adjusted ROA (Non-GAAP) e/f 0.95 % 1.02 % 1.21 % 1.28 % 1.54 % Return on Average Common Equity ("ROCE")/ Return on Average Tangible Common Equity ("ROTCE")/ Adjusted ROTCE Net income available to common shareholders (annualized) (GAAP) g $ 666 $ 756 $ 868 $ 887 $ 1,182 Adjusted Net income available to common shareholders (annualized) (Non- GAAP) h $ 781 $ 855 $ 1,032 $ 1,089 $ 1,288 Average Common Equity (GAAP) i $ 7,305 $ 7,628 $ 7,710 $ 7,761 $ 7,651 Intangible Assets (GAAP) 1,789 1,802 1,815 1,829 1,843 Average Tangible Common Equity (Non-GAAP) j $ 5,516 $ 5,826 $ 5,895 $ 5,932 $ 5,808 ROCE (GAAP) g/i 9.1 % 9.9 % 11.3 % 11.4 % 15.5 % ROTCE (Non-GAAP) g/j 12.1 % 13.0 % 14.7 % 15.0 % 20.4 % Adjusted ROTCE (Non-GAAP) h/j 14.2 % 14.7 % 17.5 % 18.4 % 22.2 %

24 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) 2Q22 1Q22 4Q21 3Q21 2Q21 Adjusted Noninterest Income as a % of Total Revenue Noninterest income (GAAP) a $ 201 $ 229 $ 247 $ 247 $ 285 Plus notable items (GAAP) (13) (6) — 22 2 Adjusted noninterest income (Non-GAAP) b 188 223 246 268 287 Revenue (GAAP) c 743 707 745 738 781 Taxable-equivalent adjustment 3 3 3 3 3 Revenue- Taxable-equivalent (Non-GAAP) $ 746 $ 710 $ 748 $ 741 $ 784 Plus notable items (GAAP) (a) (13) (6) — 22 2 Adjusted revenue (Non-GAAP) d 733 704 748 763 787 Noninterest income as a % of total revenue (GAAP) a/c 27.06 % 32.31 % 33.10 % 33.39 % 36.43 % Adjusted noninterest income as a % of total revenue (Non-GAAP) b/d 25.68 % 31.63 % 32.95 % 35.14 % 36.49 % Adjusted Efficiency Ratio Noninterest expense (GAAP) e $ 489 $ 493 $ 528 $ 526 $ 497 Plus notable items (GAAP) (50) (37) (54) (46) (32) Adjusted noninterest expense (Non-GAAP) f 438 455 474 480 465 Revenue (GAAP) g 743 707 745 738 781 Taxable-equivalent adjustment 3 3 3 3 3 Revenue- Taxable-equivalent (Non-GAAP) $ 746 $ 710 $ 748 $ 741 $ 784 Plus notable items (GAAP) (a) (13) (6) — 22 2 Adjusted revenue (Non-GAAP) h 733 704 748 763 787 Efficiency ratio (GAAP) e/g 65.76 % 69.66 % 70.88 % 71.21 % 63.67 % Adjusted efficiency ratio (Non-GAAP) f/h 59.79 % 64.64 % 63.31 % 62.87 % 59.17 %

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. Numbers may not foot due to rounding Period-end Average $s in millions 2Q22 1Q22 2Q22 vs 1Q22 2Q22 1Q22 2Q22 vs 1Q22 Loans excluding LMC & PPP $ % $ % Total C& I excl. LMC & PPP $ 27,459 $ 26,262 $ 1,197 5 % $ 26,993 $ 25,749 $ 1,244 5 % Total CRE 12,942 12,487 456 4 % 12,626 12,229 397 3 % Total Commercial excl. LMC & PPP 40,401 38,749 1,652 4 % 39,619 37,978 1,641 4 % Total Consumer 12,311 11,727 585 5 % 11,987 11,638 349 3 % Total Loans excl. LMC & PPP 52,712 50,476 2,236 4 % 51,606 49,616 1,990 4 % PPP 375 642 (268) (42) % 478 815 (336) (41) % LMC 3,441 3,895 (454) (12) % 3,492 3,651 (159) (4) % Total Loans $ 56,529 $ 55,013 $ 1,516 3 % $ 55,576 $ 54,082 $ 1,494 3 % Loans excluding PPP Total Commercial excl. PPP $ 43,842 $ 42,642 $ 1,200 3 % $ 43,111 $ 41,629 $ 1,482 4 % Total Consumer 12,311 11,727 584 5 % 11,987 11,638 349 3 % Total Loans excl. PPP $ 56,153 $ 54,369 1,784 3 % $ 55,098 $ 53,267 1,831 3 % PPP 375 642 (268) (42) % 478 815 (336) (41) % Total Loans $ 56,529 $ 55,012 $ 1,517 3 % $ 55,576 $ 54,082 1,494 3 % Allowance for Credit Losses (ACL) to Loans Ratio $s in millions Loan Balance ACL Balance ACL/Loans Total Loans $ 56,529 $ 704 1.2 % Loans to Mortgage Companies (LMC) 3,441 2 0.1 PPP 375 — Total excl. LMC & PPP $ 52,712 $ 701 1.3 %