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Third Quarter 2022 Earnings October 18, 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, 3Q22 capital ratios are estimates, and unless otherwise noted, references to loans reflect average balances and include leases.

3 3Q22 GAAP financial summary1 1Adjusted financial measures, core NII, core NII ex. day count, core NIM, TBV per share, ROTCE, 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, 3Q22 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.2Third and second 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 3Q22 Change vs. $s in millions except per share data 3Q22 2Q22 1Q22 4Q21 3Q21 2Q22 3Q21 $/bps % $/bps % Net interest income $ 662 $ 542 $ 479 $ 498 $ 492 $ 120 22 % $ 170 35 % Fee income 213 201 229 247 247 12 6 % (34) (14) % Total revenue 875 743 707 745 738 132 18 % 137 19 % Expense 468 489 493 528 526 (21) (4) % (58) (11) % Pre-provision net revenue (PPNR) 406 255 215 217 213 151 59 % 193 91 % Provision for credit losses 60 30 (40) (65) (85) 30 100 % 145 NM Pre-tax income 346 225 255 282 298 121 54 % 48 16 % Income tax expense 78 48 57 53 63 30 63 % 15 24 % Net income 268 177 198 229 235 91 51 % 33 14 % Non-controlling interest 3 3 3 3 3 — — % — — % Preferred dividends 8 8 8 8 8 — — % — — % Net income available to common shareholders (NIAC) $ 257 $ 166 $ 187 $ 219 $ 224 $ 91 55 % $ 33 15 % $s in billions Avg loans $ 56.5 $ 55.6 $ 54.1 $ 54.7 $ 55.5 $ 1.0 2 % $ 1.0 2 % Period-end loans $ 57.4 $ 56.5 $ 55.0 $ 54.9 $ 55.4 $ 0.8 1 % $ 1.9 3 % Avg deposits $ 68.1 $ 71.9 $ 74.2 $ 74.6 $ 73.7 $ (3.8) (5) % $ (5.6) (8) % Period-end deposits $ 66.0 $ 70.5 $ 74.1 $ 74.9 $ 74.3 $ (4.5) (6) % $ (8.3) (11) % Key performance metrics Net interest margin (NIM) 3.49 % 2.74 % 2.37 % 2.42 % 2.41 % 75 bps 108 bps Loan to deposit ratio (avg.) 83.0 % 77.3 % 72.9 % 73.3 % 75.3 % 574 bps 771 bps ROCE 13.9 % 9.1 % 9.9 % 11.3 % 11.4 % 473 bps 242 bps ROTCE 18.2 % 12.1 % 13.0 % 14.7 % 15.0 % 616 bps 328 bps ROA 1.3 % 0.8 % 0.9 % 1.0 % 1.1 % 47 bps 24 bps Efficiency ratio 53.6 % 65.8 % 69.7 % 70.9 % 71.2 % (1,220) bps (1,765) bps FTEs 7,569 7,627 7,900 7,863 7,982 (58) (1) % (413) (5) % CET1 ratio 9.9 % 9.8 % 10.0 % 9.9 % 10.1 % 12 bps (16) bps Effective tax rate 22.6 % 21.3 % 22.4 % 18.6 % 21.1 % 128 bps 145 bps Per common share Diluted EPS $ 0.45 $ 0.29 $ 0.34 $ 0.40 $ 0.41 $ 0.16 54 % $ 0.04 10 % Tangible book value per share $ 9.72 $ 10.18 $ 10.46 $ 11.00 $ 10.88 $ (0.46) (5) % $ (1.16) (11) % Avg. diluted shares outstanding2 570 569 550 542 550 1 — % 20 4 %

4 Table of contents 3Q22 key messages . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5 3Q22 overview . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6 3Q22 notable items . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7 3Q22 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 outlook for rates1 Reflects 3Q22 vs. 2Q22 results. 1Adjusted financial measures, core NII, core NII ex. day count, core NIM, TBV per share, ROTCE, 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, 3Q22 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. +24% Core Net Interest Income +15 bps Total Deposit Costs ~$82 million IBKC Merger Annualized Revenue Synergies -4% Adjusted Noninterest Income Adjusted EPS $0.44 Adjusted ROTCE 17.9% TBV $9.72 +2% Commercial Unfunded Commitments +4% C&I Loans ex. PPP & LMC +1% Adjusted Expense +37% Adjusted PPNR +8.3% Asset Sensitive to +100 bp Shock Scenario

6 3Q22 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 $846 million increased $113 million, or 15%, QoQ as strength in NII was partially offset by lower noninterest income largely given macroeconomic impacts – NII up $121 million QoQ reflecting the benefit of higher rates and 2% loan growth – Core NII increased 24% and core NIM up 77 bps with C&I loan growth of 4% ex. PPP and LMC – Fee income down 4% as higher deferred compensation income and other noninterest income was more than offset by reductions in mortgage banking, title and fixed income • Adjusted expense of $444 million up $6 million, or 1%, QoQ driven by higher deferred compensation partially offset by reductions in other personnel costs • PPNR of $403 million up $108 million, or 37%, QoQ • Provision expense of $60 million reflects the impact of loan growth, revised macroeconomic outlook and a preliminary estimate of potential losses related to Hurricane Ian • Adjusted ROTCE of 17.9% • TBVPS of $9.72 decreased $0.46 driven by a $0.87 reduction tied to MTM losses on the AFS securities portfolio and cash flow hedges recorded in OCI • Credit remains strong with net charge-offs of 8 bps and NPLs of 51 bps • ACL/NPL coverage improved to 2.58x; ACL/Loans ratio of 1.38% excluding LMC/PPP loans • Expect to deliver ~$200 million of targeted annualized net cost saves by 4Q22 • Achieved $184 million of annualized net cost saves in 3Q22 1Adjusted financial measures, core NII, core NII ex. day count, core NIM, TBV per share, ROTCE, 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, 3Q22 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 $0.44 and PPNR of $403 million1 Proposed TD Transaction • Expect deal to close in 1Q of TD’s 2023 fiscal year – FHN shareholder approval received on May 31, 2022 with more than 99% of votes cast in favor – Public meeting with Fed and OCC completed August 18, 2022 – Regulatory approval process remains on track – Federal Reserve and OCC comment period closed with over 300 letters of support

7 3Q22 notable items1 1Adjusted financial measures, core NII, core NII ex. day count, core NIM, TBV per share, ROTCE, 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, 3Q22 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. 3Q22 IBKC merger-related notable items Noninterest expense: Total noninterest expense 3 3Q22 Total IBKC net merger-related notable items $ (3) 3Q22 TD transaction-related items Noninterest expense: Total noninterest expense 21 3Q22 Total TD transaction-related costs $ (21) 3Q22 Other notable items Noninterest income: Other noninterest income 31 3Q22 Total other notable items $ 31 3Q22 Total notable items 7 Tax impact of 3Q22 notable items (2) After-tax impact of 3Q22 notable items $ 5 EPS impact of 3Q22 notable items $ 0.01 IBKC Cumulative Net Pre-tax Integration Costs Cost to Date Targeted 4Q19 - 2Q222 Purchase Acct. 3Q22 Total Remaining Total $ 400 $ 100 $ 3 $ 503 $15 - $25 $520 - $530 Notable Items ($s in millions, except per share data) GAAP results impacted by $5 million after-tax, or $0.01 per share, net benefit of notable items • IBKC merger-related expense of $3 million • TD transaction-related expense of $21 million • Other notable items reflect a $21 million gain on the July 30th sale of the title services business and a $10 million equity securities investment gain Pre-tax Notable Items

8 • Adjusted EPS of $0.44 vs. $0.34; includes a $0.04 per share reduction tied to a change in provision for credit losses – Adjusted ROTCE of 17.9% and TBV per share of $9.72 • Total revenue up $113 million, or 15% • NII up $121 million, or 22%, given benefit of higher rates and 2% loan growth – Core NII up $127 million, or 24% • Adjusted fee income down 4% as higher deferred compensation income and other noninterest income was more than offset by reductions in mortgage banking, title and fixed income • Adjusted expense up $6 million, or 1%, driven by increases in deferred compensation and outside services partially offset by lower salaries and benefits and incentives and commissions • Provision expense of $60 million vs. $30 million in 2Q22 reflects the impact of loan growth, revised macroeconomic outlook and a preliminary estimate of potential losses related to Hurricane Ian 3Q22 adjusted financial highlights1 3Q22 Change vs. $s in millions except per share data 3Q22 2Q22 3Q21 2Q22 3Q21 $/bps % $/bps % Net Interest Income (FTE) $ 666 $ 545 $ 495 $ 121 22 % $ 171 35 % Fee income 181 188 268 (7) (4) % (87) (32) % Total revenue (FTE) 846 733 763 113 15 % 83 11 % Expense 444 438 480 6 1 % (36) (8) % Pre-provision net revenue 403 295 284 108 37 % 119 42 % Provision for credit losses 60 30 (85) 30 100 % 145 NM Net charge-offs 12 12 3 (1) (5) % 9 NM Reserve build/(release) 48 18 (88) 31 NM 136 NM Net income available to common $ 252 $ 195 $ 275 $ 57 29 % $ (23) (8) % Key performance metrics Fee income as a % of total revenue 21.4 % 25.7 % 35.1 % (431) bps (1,377) bps Efficiency ratio 52.4 % 59.8 % 62.9 % (737) bps (1,045) bps ROTCE 17.9 % 14.2 % 18.4 % 374 bps (47) bps Diluted EPS $ 0.44 $ 0.34 $ 0.50 $ 0.10 29 % $ (0.06) (12) % Diluted shares2 570 569 550 1 — % 20 4 % TBV per share $ 9.72 $ 10.18 $ 10.88 $ (0.46) (5) % $ (1.16) (11) % Effective tax rate 22.4 % 21.7 % 21.8 % 75 bps 61 bps PPNR up 37% driven by strength in NII 1Adjusted financial measures, core NII, core NII ex. day count, core NIM, TBV per share, ROTCE, 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, 3Q22 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. 2Third and second 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. 3Q22 vs. 2Q22 Highlights

9 NII trends reflect the benefit of rising rates and loan growth 1 $495 $502 $482 $545 $666 $454 $466 $462 $532 $659 2.41% 2.42% 2.37% 2.74% 3.49% Core NII Reported NII Reported NIM 3Q21 4Q21 1Q22 2Q22 3Q22 ($s in millions) FTE NII and NIM Trends Core NIM 2.28% 2.28% 2.29% 2.69% 3.45% 1Adjusted financial measures, core NII, core NII ex. day count, core NIM, TBV per share, ROTCE, 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, 3Q22 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 $121 million, or 22%, and NIM up 75 bps despite a $6 million, or 2 bp, reduction in net merger- related and PPP benefits • Core NII of $659 million up $127 million, or 24% – Benefit of higher rates, loan balances and investment portfolio income partially offset by higher funding costs – Securities portfolio balances increased 5% to $10.3 billion • Core NIM increased 77 bps to 3.45% – Benefit of higher rates, lower excess cash, improved securities yields and loan growth partially offset by the impact of higher funding costs – Period-end excess cash of $2.4 billion decreased from $8.7 billion in 2Q22 3Q22 vs. 2Q22 $s in millions NII NIM 2Q22 Reported $ 545 2.74 % PPP coupon income and fees 7 0.02 % Net merger-related impacts 6 0.04 % 2Q22 Core $ 532 2.69 % Rates/spreads 116 0.60 % Securities portfolio & cash 20 0.26 % Loan balances 12 0.02 % Day count & other 8 0.04 % Funding costs (29) (0.15) % 3Q22 Core $ 659 3.45 % PPP coupon income and fees 2 — % Net merger-related impacts 5 0.03 % 3Q22 Reported $ 666 3.49 % Results reflect higher investment portfolio income and 4% C&I loan growth ex. PPP and LMC 3Q22 vs. 2Q22 Highlights

10 • Adjusted fee income down $7 million, or 4%, driven by a reduction in mortgage banking and title and fixed income partially offset by an increase in deferred compensation • Fixed income decreased $5 million reflecting the impact of higher long-term rates and macroeconomic uncertainty & volatility; ADR of $524 thousand • Mortgage banking and title fees decreased $13 million largely driven by declines in mortgage sales volume and margin compression as well as the divestiture of title services business • Deferred compensation up $14 million largely offset in noninterest expense • Card and digital banking fees declined $2 million down from seasonal high in 2Q22 • Other noninterest income up $3 million driven by smaller equity securities gains Adjusted fee income trends impacted by higher rates & divestiture of title business1 1Adjusted financial measures, core NII, core NII ex. day count, core NIM, TBV per share, ROTCE, 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, 3Q22 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. 3Q22 Change vs. $s in millions 3Q22 2Q22 1Q22 4Q21 3Q21 2Q22 3Q21 $/bps % $/bps % Fixed income $ 46 $ 51 $ 73 $ 82 $ 96 $(5) (10) % $(50) (52) % Service charges and fees 56 57 57 56 56 (1) (2) % — — % Mortgage banking & title 9 22 22 28 34 (13) (59) % (25) (74) % Brokerage, trust, and insurance 34 36 37 36 37 (2) (6) % (3) (8) % Card and digital banking fees 21 23 20 19 21 (2) (9) % — — % Deferred compensation income (3) (17) (4) — 3 14 82 % (6) NM Other noninterest income 18 15 18 25 21 3 20 % (3) (14) % Total fee income $ 181 $ 188 $ 223 $ 246 $ 268 $(7) (4) % $(87) (32) % Key Metrics Fixed Income Average Daily Revenue (ADR) $ 0.5 $ 0.6 $ 1.0 $ 1.1 $ 1.3 $ (0.1) (14) % $ (0.8) (60) % Mortgage banking Originations Secondary $ 302 $ 467 $ 533 $ 706 $ 772 $ (165) (35) % $ (470) (61) % Portfolio $ 716 $ 1,120 $ 801 $ 874 $ 829 $ (404) (36) % $ (113) (14) % Total $ 1,018 $ 1,578 $ 1,334 $ 1,580 $ 1,601 $ (560) (35) % $ (583) (36) % Gain on sale spread 1.80 % 2.41 % 2.65 % 2.98 % 2.93 % (61) bps (113) bps Mix Purchase 89 % 80 % 61 % 51 % 56 % Refinance 11 % 20 % 39 % 49 % 44 % Results driven by declines in mortgage banking, divestiture of title business & fixed income 3Q22 vs. 2Q22 Highlights

11 Adjusted expense up 1% driven by increases in deferred compensation1 1Adjusted financial measures, core NII, core NII ex. day count, core NIM, TBV per share, ROTCE, 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, 3Q22 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 $444 million increased $6 million, or 1%, as higher deferred compensation expense was partially offset by a reduction in salaries and employee benefits and other noninterest expense – $11 million benefit tied to incremental merger cost saves • Personnel expense up $7 million – Salaries and benefits down $5 million largely reflecting the benefit of seasonal declines in FICA taxes and divestiture of title business – Incentives and commissions down $3 million largely reflecting reduced revenue- based incentives – Deferred compensation expense up $16 million largely offset in noninterest income • Outside services up $3 million • Other noninterest expense down $2 million largely tied to credit risk adjustments on interest rate swaps from borrowers and a reduction in debit card charge off expense 3Q22 Change vs. $s in millions 3Q22 2Q22 1Q22 4Q21 3Q21 2Q22 3Q21 $/bps % $/bps % Salaries and benefits $ 185 $ 190 $ 188 $ 189 $ 191 $ (5) (3) % $ (6) (3) % Incentives and commissions 68 71 92 84 92 (3) (4) % (24) (26) % Deferred compensation expense (2) (18) (5) 1 4 16 89 % (6) NM Total personnel expense 251 244 275 274 286 7 3 % (35) (12) % Occupancy and equipment 70 72 72 73 74 (2) (3) % (4) (5) % Outside services 64 61 59 66 65 3 5 % (1) (2) % Amortization of intangible assets 12 12 12 13 13 — — % (1) (8) % Other noninterest expense 48 50 37 46 42 (2) (4) % 6 14 % Total noninterest expense $ 444 $ 438 $ 455 $ 474 $ 480 $ 6 1 % $ (36) (8) % Full-time equivalent associates 7,569 7,627 7,900 7,863 7,982 (58) (1) % (413) (5) % Results largely reflect lower salaries and revenue-based incentives and commissions 2 3Q22 vs. 2Q22 Highlights

12 • Loans of $56.5 billion up $1.0 billion driven by a 1% increase in commercial and a 4% in consumer – $1.8 billion, or 4%, increase in loans before the impact of PPP and LMC – C&I loan growth ex. PPP & LMC up 4% driven by Asset Based Lending, Franchise Finance, Louisiana, and Tennessee – Total core loan yields expanded 27 bps • Period-end loans of $57.4 billion up $0.8 billion, or 1%, driven by a $423 million, or 1%, increase in commercial and $402 million, or 3%, increase in consumer – $1.8 billion, or 3%, increase in loans before the impact of PPP and LMC – C&I loan growth ex. PPP & LMC up 5% driven by Asset Based Lending, Louisiana, Tennessee, Franchise Finance, and Georgia – Unfunded commitments increased 3% 1Adjusted financial measures, core NII, core NII ex. day count, core NIM, TBV per share, ROTCE, 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, 3Q22 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 4Q21 1Q22 2Q22 3Q22 Utilization % 42% 41% 41% 41% $55.4B $56.5B $57.4B $54.7B $54.1B $55.6B $56.5B 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) 3Q21 . . . . 2Q22 3Q22 4Q21 1Q22 2Q22 3Q22 Loan trends 23% 50% 1% 21% 5% 20% —% 2% 45% 22% 9% 3% 4Q21 1Q22 2Q22 3Q22 Yields 3.45% 3.34% 3.57% 4.35% Core yields 3.20% 3.16% 3.43% 4.26% Avg 1M LIBOR 0.09% 0.22% 0.99% 2.47% Period-end Average Total loan growth of 4% ex PPP & LMC1 48% 23% 20% 2% 2% 7% C&I ex PPP & LMC up 4% QoQ 50% 23% 21% 2% —% 5% 44% 22% 19% 2% 9% 49% 23% 20% 2% 1% 6% 23% 49% 2% 20% 6% 1% 4% 3Q22 vs. 2Q22 Highlights

13 Demand Deposit Accounts (DDA) Savings Time deposits Other interest-bearing deposits 3Q21 . . . . . 2Q22 3Q22 4Q21 1Q22 2Q22 3Q22 Deposit costs reflect pricing discipline and impact of rising rates1 Interest-bearing liabilities & DDA trends • Average deposits of $68.1 billion decreased $3.8 billion, or 5%, driven by a $2.7 billion decrease in interest-bearing deposits – Period-end deposits of $66.0 billion decreased $4.5 billion with a $3.2 billion decrease in interest-bearing and a $1.3 billion decrease in DDA • Deposit costs of 25 bps increased 15 bps – Interest-bearing deposit costs of 41 bps increased 25 bps – Average LIBOR up 148 bps • Total funding costs of 39 bps increased 17 bps given higher rates 4Q21 1Q22 2Q22 3Q22 Deposit cost of funds 7 bps 6 bps 10 bps 25 bps Total cost of funds 16 bps 16 bps 22 bps 39 bps Avg 1M LIBOR 0.09% 0.22% 0.99% 2.47% 1Adjusted financial measures, core NII, core NII ex. day count, core NIM, TBV per share, ROTCE, 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, 3Q22 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. Interest-bearing deposit betas of 18% in the quarter Period-end Average 3Q22 vs. 2Q22 Highlights $71.8B $75.8B $78.4B$79.0B $69.4B $74.5B $78.4B 27% 4% 32% 37% 27% 4% 33% 36%35% 35% 5% 25% 36% 36% 37% 37% 34% 34% 33% 33% 5% 4% 4% 4% 26% 26% 27% 26%

14 Continued strong credit quality 1Net charge-off % is annualized and as % of average loans. $802 $736 $686 $704 $752 1.45% 1.34% 1.25% 1.24% 1.31% 231% 268% 207% 234% 258% ACL ACL/Loans ACL/NPLs 3Q21 4Q21 1Q22 2Q22 3Q22 Allowance for credit losses (ACL) Non-performing loans (NPLs) $347 $275 $332 $301 $292 0.63% 0.50% 0.60% 0.53% 0.51% NPLs $ NPLs % 3Q21 4Q21 1Q22 2Q22 3Q22 • Net charge-offs of $12 million remained relatively stable • NPL ratio of 51 bps decreased 2 bps • ACL coverage ratio of 1.31% vs. 1.24%; ACL coverage ex. LMC and PPP of 1.38% • 258% ACL coverage of NPLs • Provision expense of $60 million compared with a $30 million in 2Q22 – $48 million reserve build reflects the impact of loan growth, revised macroeconomic outlook and a preliminary estimate of $20 million for potential losses related to Hurricane Ian 1 $3 $1 $10 $12 $12 $(85) $(65) $(40) $30 $60 0.02% 0.01% 0.07% 0.09% 0.08% NCOs Provision for credit losses NCO% 3Q21 4Q21 1Q22 2Q22 3Q22 Reserve build reflects the impact of loan growth and revised macroeconomic outlook 3Q22 vs. 2Q22 Highlights ($s in millions) Provision, credit losses, and net charge-offs

15 3Q21 4Q22 1Q22 2Q22 #VALUE! CET1 ratio Tier 1 capital ratio Total capital ratio 3Q21 4Q21 1Q22 2Q22 3Q22 Strong capital position1 Capital levels 11.2% 12.6% 12.3% 11.0% 13.2% 11.8% 13.0% 11.6% 13.1% 11.7% Tangible book value per share 9.8% 0.38% (0.18)% (0.12)% 0.02% 9.9% 2Q22 actual NIAC Loans/ unfunded commitments growth Common Dividend Other 3Q22 estimate $10.18 $0.53 $(0.87) $(0.15) $0.03 $9.72 2Q22 actual NIAC, net of change in Intangibles AFS Securities & Cash Flow Hedges MTM Common Dividends Other 3Q22 actual • TBVPS of $9.72 decreased 5% driven by a $0.87 reduction tied to MTM valuation adjustments on AFS securities and cash flow hedges • CET1 ratio remained strong at 9.9% – The benefit of NIAC partially offset by a reduction tied to growth in loans and unfunded commitments and common dividends • Total capital of 13.1% vs. 13.0% in 2Q22 1Adjusted financial measures, core NII, core NII ex. day count, core NIM, TBV per share, ROTCE, 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, 3Q22 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. 3Q22 vs. 2Q22 CET1 ratio 10.1% 9.9% 10.0% 9.8% 9.9% 3Q22 vs. 2Q22 Highlights

16 IBKC Merger • 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 31, 2022 with more than 99% of votes cast in favor – Public meeting with Fed and OCC completed August 18, 2022 – Regulatory approval process remains on track – Federal Reserve and OCC comment period closed with over 300 letters of support – Continued progress on integration planning and Legal Day One readiness IBKC merger integration and TD acquisition update IBKC Merger Highlights Targeting annualized cost saves of ~$200 million by 4Q22 Achieved ~$46 million of savings in 3Q22 ~$82 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 2Q22 3Q22 4Q22 ~$140mm ~$184mm ~$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 4Q22 $ (7) 4Q22 $ 8 4Q22 $ 2 1Q23 $ (7) 1Q23 $ 7 1Q23 $ 2 2Q23-4Q23 and beyond $ (63) 2Q23-4Q23 and beyond $ 36 2Q23-4Q23 and beyond $ 6 1Estimated based on market rates and prepayment assumptions as of 9/30/2022. 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 % 3Q22 Reported to Core Reconciliation $s in millions NII NIM 3Q22 Reported (FTE) $ 666 3.49 % Less: non-core items PPP coupon income and fees 2 — Loan Accretion 12 0.07 IBKC Premium Amortization (7) (0.04) 3Q22 Core (FTE) $ 659 3.45 %

20 Notable Items ($s in millions except per share data) Favorable / (Unfavorable) (In millions, except per share data) 3Q22 2Q22 1Q22 4Q21 3Q21 Noninterest income: Gain on mortgage servicing rights (mortgage banking and title) $ — $ (12) $ — $ — $ — Retirement of legacy IBKC TruPS (other noninterest income) — — — 3 23 Branch sale gain (other noninterest income) — — — (4) (2) Gain on sale of title services business (other noninterest income) (21) — — — — Gain related to equity securities investment (other noninterest income) (10) — — — — Gain on fintech investment (other noninterest income) — — (6) — — Total noninterest income (32) (13) (6) — 22 Noninterest expense: Salaries and benefits — 1 (2) — — Incentives and commissions (24) (22) (2) (9) (10) Deferred compensation expense — — — (6) — Total personnel expenses (25) (21) (4) (16) (10) Occupancy and equipment (1) (1) — — (1) Outside services (2) (9) (25) (15) (24) Amortization of intangible assets (1) (1) (1) (1) (1) Other noninterest expense 4 (18) (7) (23) (10) Total noninterest expense (25) (50) (37) (54) (46) Income before income taxes (7) 38 32 54 68 Tax impact of notable items (2) 9 7 13 17 After-tax impact of notable items $ (5) $ 29 $ 24 $ 41 $ 51 EPS impact of notable items $ 0.01 $ (0.05) $ (0.04) $ (0.08) $ (0.09) Diluted shares 570 569 550 542 550

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 3Q22 2Q22 1Q22 4Q21 3Q21 ($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 $ 733 $ 4 $ 737 $ 583 $ 3 $ 586 $ 510 $ 3 $ 513 $ 531 $ 3 $ 534 $ 533 $ 3 $ 536 Interest expense- FTE 71 — 71 41 — 41 31 — 31 33 — 33 41 — 41 Net interest income- FTE 662 4 666 542 3 545 479 3 482 498 3 502 492 3 495 Less: Taxable-equivalent adjustment — 4 4 — 3 3 — 3 3 — 3 3 — 3 3 Net interest income 662 — 662 542 — 542 479 — 479 498 — 498 492 — 492 Noninterest income: Fixed income 46 — 46 51 — 51 73 — 73 82 — 82 96 — 96 Mortgage banking and title 9 — 9 34 (12) 22 22 — 22 28 — 28 34 — 34 Brokerage, trust, and insurance 34 — 34 36 — 36 37 — 37 36 — 36 37 — 37 Service charges and fees 56 — 56 57 — 57 57 — 57 56 — 56 56 — 56 Card and digital banking fees 21 — 21 23 — 23 20 — 20 19 — 19 21 — 21 Deferred compensation income (3) — (3) (17) — (17) (4) — (4) — — — 3 — 3 Other noninterest income 50 (32) 18 16 — 15 24 (6) 18 25 — 25 (1) 22 21 Total noninterest income 213 (32) 181 201 (13) 188 229 (6) 223 247 — 246 247 22 268 Total revenue 875 (32) 843 743 (13) 730 707 (6) 702 745 — 745 738 22 760 Noninterest expense: Personnel expense: Salaries and benefits 186 — 185 190 1 191 190 (2) 188 190 — 189 191 — 191 Incentives and commissions 92 (24) 68 93 (22) 71 94 (2) 92 93 (9) 84 101 (10) 92 Deferred compensation expense (2) — (2) (18) — (18) (5) — (5) 7 (6) 1 4 — 4 Total personnel expense 275 (25) 251 265 (21) 244 280 (4) 275 290 (16) 274 296 (10) 286 Occupancy and equipment 71 (1) 70 73 (1) 72 72 — 72 74 — 73 75 (1) 74 Outside services 66 (2) 64 70 (9) 61 84 (25) 59 81 (15) 66 89 (24) 65 Amortization of intangible assets 13 (1) 12 13 (1) 12 13 (1) 12 14 (1) 13 14 (1) 13 Other noninterest expense 44 4 48 68 (18) 50 44 (7) 37 70 (23) 46 52 (10) 42 Total noninterest expense 468 (25) 444 489 (50) 438 493 (37) 455 528 (54) 474 526 (46) 480 Pre-provision net revenue 406 (7) 399 255 38 293 215 32 246 217 54 271 213 68 281 Provision for credit losses 60 — 60 30 — 30 (40) — (40) (65) — (65) (85) — (85) Income before income taxes 346 (7) 339 225 38 263 255 32 286 282 54 336 298 68 365 Provision for income taxes 78 (2) 76 48 9 57 57 7 64 53 13 65 63 17 80 Net income 268 (5) 263 177 29 205 198 24 222 229 41 271 235 51 286 Net income attributable to noncontrolling interest 3 — 3 3 — 3 3 — 3 3 — 3 3 — 3 Net income attributable to controlling interest 265 (5) 260 174 29 202 195 24 219 227 41 268 232 51 283 Preferred stock dividends 8 — 8 8 — 8 8 — 8 8 — 8 8 — 8 Net income available to common shareholders $ 257 $ (5) $ 252 $ 166 $ 29 $ 195 $ 187 $ 24 $ 211 $ 219 $ 41 $ 260 $ 224 $ 51 $ 275 Common Stock Data EPS $ 0.48 $ 0.01 $ 0.47 $ 0.31 $ (0.05) $ 0.36 $ 0.35 $ (0.05) $ 0.40 $ 0.41 $ (0.08) $ 0.48 $ 0.41 $ (0.09) $ 0.50 Basic shares 536 536 535 535 533 533 537 537 546 546 Diluted EPS $ 0.45 $ 0.01 $ 0.44 $ 0.29 $ (0.05) $ 0.34 $ 0.34 $ (0.04) $ 0.38 $ 0.40 $ (0.08) $ 0.48 $ 0.41 $ (0.09) $ 0.50 Diluted shares 570 570 569 569 550 550 542 542 550 550 Memo: Total Revenue-FTE (Non-GAAP) $ 875 $ (28) $ 847 $ 743 $ (10) $ 733 $ 707 $ 3 $ 704 $ 745 $ 3 $ 748 $ 738 $ 24 $ 763 PPNR-FTE (Non-GAAP) 406 (3) 403 255 39 295 215 34 249 217 58 274 213 71 283

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) 3Q22 2Q22 1Q22 4Q21 3Q21 Tangible Common Equity (Non-GAAP) (A) Total equity (GAAP) $ 8,283 $ 8,551 $ 8,696 $ 8,494 $ 8,533 Less: Noncontrolling interest 295 295 295 295 295 Less: Preferred stock 1,014 1,014 1,014 520 520 (B) Total common equity $ 6,974 $ 7,242 $ 7,387 $ 7,679 $ 7,717 Less: Intangible assets (GAAP) 1,757 1,782 1,795 1,808 1,822 (C) Tangible common equity (Non-GAAP) $ 5,217 $ 5,459 $ 5,592 $ 5,871 $ 5,895 Tangible Assets (Non-GAAP) (D) Total assets (GAAP) $ 80,299 $ 85,132 $ 88,660 $ 89,092 $ 88,537 Less: Intangible assets (GAAP) 1,757 1,782 1,795 1,808 1,822 (E) Tangible assets (Non-GAAP) $ 78,542 $ 83,350 $ 86,865 $ 87,284 $ 86,715 Period-end Shares Outstanding (F) Period-end shares outstanding 537 536 535 534 542 Ratios (A)/(D) Total equity to total assets (GAAP) 10.32 % 10.04 % 9.81 % 9.53 % 9.64 % (C)/(E) Tangible common equity to tangible assets (“TCE/TA”) (Non-GAAP) 6.64 % 6.55 % 6.44 % 6.73 % 6.80 % (B)/(F) Book value per common share (GAAP) $ 12.99 $ 13.50 $ 13.82 $ 14.39 $ 14.24 (C)/(F) Tangible book value per common share (Non-GAAP) $ 9.72 $ 10.18 $ 10.46 $ 11.00 $ 10.88

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) 3Q22 2Q22 1Q22 4Q21 3Q21 Adjusted Diluted EPS Net income available to common shareholders ("NIAC") (GAAP) a $ 257 $ 166 $ 187 $ 219 $ 224 Plus Tax effected notable items (Non-GAAP) (5) 29 24 41 51 Adjusted Net income available to common shareholders (Non-GAAP) b $ 252 $ 195 $ 211 $ 260 $ 275 Diluted Shares (GAAP) c 570 569 550 542 550 Diluted EPS (GAAP) a/c $ 0.45 $ 0.29 $ 0.34 $ 0.40 $ 0.41 Adjusted diluted EPS (Non-GAAP) b/c $ 0.44 $ 0.34 $ 0.38 $ 0.48 $ 0.50 Adjusted Net Income ("NI") and Adjusted Return on Assets ("ROA") Net Income ("NI") (GAAP) $ 268 $ 177 $ 198 $ 229 $ 235 Plus Tax effected notable items (Non-GAAP) (5) 29 24 41 51 Adjusted NI (Non-GAAP) $ 263 $ 206 $ 223 $ 270 $ 286 NI (annualized) (GAAP) d $ 1,063 $ 709 $ 801 $ 910 $ 931 Adjusted NI (annualized) (Non-GAAP) e $ 1,045 $ 823 $ 900 $ 1,074 $ 1,133 Average assets (GAAP) f $ 82,551 $ 86,326 $ 88,587 $ 89,025 $ 88,401 ROA (GAAP) d/f 1.29 % 0.82 % 0.90 % 1.02 % 1.05 % Adjusted ROA (Non-GAAP) e/f 1.27 % 0.95 % 1.02 % 1.21 % 1.28 % Return on Average Common Equity ("ROCE")/ Return on Average Tangible Common Equity ("ROTCE")/ Adjusted ROTCE Net income available to common shareholders (annualized) (GAAP) g $ 1,020 $ 666 $ 756 $ 868 $ 887 Adjusted Net income available to common shareholders (annualized) (Non- GAAP) h $ 1,001 $ 781 $ 855 $ 1,032 $ 1,089 Average Common Equity (GAAP) i $ 7,360 $ 7,305 $ 7,628 $ 7,710 $ 7,761 Intangible Assets (GAAP) 1,767 1,789 1,802 1,815 1,829 Average Tangible Common Equity (Non-GAAP) j $ 5,593 $ 5,516 $ 5,826 $ 5,895 $ 5,932 ROCE (GAAP) g/i 13.9 % 9.1 % 9.9 % 11.3 % 11.4 % ROTCE (Non-GAAP) g/j 18.2 % 12.1 % 13.0 % 14.7 % 15.0 % Adjusted ROTCE (Non-GAAP) h/j 17.9 % 14.2 % 14.7 % 17.5 % 18.4 %

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) 3Q22 2Q22 1Q22 4Q21 3Q21 Adjusted Noninterest Income as a % of Total Revenue Noninterest income (GAAP) a $ 213 $ 201 $ 229 $ 247 $ 247 Plus notable items (GAAP) (32) (13) (6) — 22 Adjusted noninterest income (Non-GAAP) b 181 188 223 246 268 Revenue (GAAP) c 875 743 707 745 738 Taxable-equivalent adjustment 4 3 3 3 3 Revenue- Taxable-equivalent (Non-GAAP) $ 879 $ 746 $ 710 $ 748 $ 741 Plus notable items (GAAP) (a) (32) (13) (6) — 22 Adjusted revenue (Non-GAAP) d 847 733 704 748 763 Noninterest income as a % of total revenue (GAAP) a/c 24.30 % 27.06 % 32.31 % 33.10 % 33.39 % Adjusted noninterest income as a % of total revenue (Non-GAAP) b/d 21.37 % 25.68 % 31.63 % 32.95 % 35.14 % Adjusted Efficiency Ratio Noninterest expense (GAAP) e $ 468 $ 489 $ 493 $ 528 $ 526 Plus notable items (GAAP) (25) (50) (37) (54) (46) Adjusted noninterest expense (Non-GAAP) f 444 438 455 474 480 Revenue (GAAP) g 875 743 707 745 738 Taxable-equivalent adjustment 4 3 3 3 3 Revenue- Taxable-equivalent (Non-GAAP) $ 878 $ 746 $ 710 $ 748 $ 741 Plus notable items (GAAP) (a) (32) (13) (6) — 22 Adjusted revenue (Non-GAAP) h 847 733 704 748 763 Efficiency ratio (GAAP) e/g 53.56 % 65.76 % 69.66 % 70.88 % 71.21 % Adjusted efficiency ratio (Non-GAAP) f/h 52.42 % 59.79 % 64.64 % 63.31 % 62.87 %

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 3Q22 2Q22 3Q22 vs 2Q22 3Q22 2Q22 3Q22 vs 2Q22 Loans excluding LMC & PPP $ % $ % Total C& I excl. LMC & PPP $ 28,789 $ 27,459 $ 1,330 5 % $ 28,000 $ 26,993 $ 1,007 4 % Total CRE 13,021 12,942 79 1 % 12,926 12,626 300 2 % Total Commercial excl. LMC & PPP 41,810 40,401 1,409 3 % 40,926 39,619 1,307 3 % Total Consumer 12,712 12,311 401 3 % 12,496 11,987 509 4 % Total Loans excl. LMC & PPP 54,522 52,712 1,810 3 % 53,422 51,606 1,816 4 % PPP 121 375 (254) (68) % 204 478 (274) (57) % LMC 2,710 3,441 (731) (21) % 2,917 3,492 (574) (16) % Total Loans $ 57,354 $ 56,529 $ 825 1 % $ 56,543 $ 55,576 $ 967 2 % Loans excluding PPP Total Commercial excl. PPP $ 44,520 $ 43,842 $ 677 2 % $ 43,843 $ 43,111 $ 732 2 % Total Consumer 12,712 12,311 401 3 % 12,496 11,987 509 4 % Total Loans excl. PPP 57,232 56,153 1,079 2 % 56,339 55,098 1,241 2 % PPP 121 375 (254) (68) % 204 478 (274) (57) % Total Loans $ 57,354 $ 56,529 $ 825 1 % $ 56,543 $ 55,576 $ 967 2 % Allowance for Credit Losses (ACL) to Loans Ratio $s in millions Loan Balance ACL Balance ACL/Loans Total Loans $ 57,354 $ 752 1.3 % Loans to Mortgage Companies (LMC) 2,710 2 0.1 PPP 121 — Total excl. LMC & PPP $ 54,522 $ 750 1.4 %