First Horizon National Investor Presentation — October 2022

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Presented October 25, 20222

Successful Conversion and Rebranding

Continued progress toward achieving 2023 merger cost save goal of $78 million, with over one -third already realized in the curre nt expense run -rate

Fully Integrated and Focused on the Future

▪In October 2022, successfully converted approximately 200,000

accounts and rebranded 400+ branch/facilities over nine states

▪Successful conversion of all systems, infrastructure, call centers

▪Integrated platform to support growth and business expansion

▪Retention of key talent in client -facing and critical support roles

▪Solid cultural alignment and experienced, motivated team

▪Leveraging core strengths and long history in the market

Third Quarter 2022 Financial Highlights

Highlights●Net income available to common shareholders of $121.0 million, or $0.66 per diluted common share.

●Adjusted net income available to common shareholders(1)of $143.7 million, or $0.78 adjusted earnings per common

share(1), up 6.8% from 2Q22 reflecting revenue growth, operating leverage and stable credit.

●Return on average tangible common equity(1)was 17.4% for 3Q22 and the adjusted return on average tangible common

equity(1)was 20.7% for the quarter.

●Adjusted pre -tax pre -provision net revenue(1)of $189.8 million, 1.58% of average assets on an annualized basis, up 7.4%

from the linked quarter.

Sheet●Generated net organic loan growth of $936.0 million for the quarter or 13.1% on an annualized basis, and up $2.4 billion

from 12/31/21 or 12.0% annualized. Total deposits were $39.0 billion, decreasing 2.9% during the quarter.