OFFICIAL RULES

NO PURCHASE, PAYMENT OF ANY KIND OR BANKING RELATIONSHIP NECESSARY. A PURCHASE, PAYMENT OR BANKING RELATIONSHIP WILL NOT INCREASE YOUR CHANCES OF WINNING. ALL ENTRIES HAVE AN EQUAL CHANCE OF WINNING.

1. Eligibility. This Houston South Belt/Ellington Banking Center Opening Giveaway (the “Contest”) is open to all legal U.S. residents of Alabama, Arkansas, Florida, Georgia, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee, Texas, and Virginia who are 18 years of age or older as of the date of entry, except: employees, agents and directors of First Horizon Bank, as well as its distributing, advertising and promotional agencies, any Co-sponsors and immediate family members (defined as spouses, children, parents, siblings and in-laws) and persons living in the same household, as such individuals are not eligible to participate or win. The Contest is void where prohibited by law and subject to all federal, state and local laws. Winning the prize is contingent upon fulfilling all requirements set forth herein.

2. Sponsor. The Sponsor of this Contest is First Horizon Bank, 165 Madison Avenue, Memphis, Tennessee 38103 (“First Horizon Bank”).

3. Timing. The Contest begins on Monday, September 21, 2026, and ends on Sunday, October 18, 2026, (the “Contest Period”). Prizes will be awarded in a random drawing from among eligible entries received and combined during the Contest Period.

4. How to Enter. During the Contest Period, you can register for the Contest online by visiting the First Horizon Bank website at www.firsthorizon.com/houstonsbe. You will be asked to complete and submit the Contest registration form, which will require you to supply your first and last name, zip code, and email address. You will receive one (1) entry into the Contest upon your submission of the Contest registration.

Limit one (1) entry per person and per email address. Multiple entrants are not permitted to share the same email address. Any attempt by any entrant to obtain more than the stated number of entries by using multiple/different email addresses, identities, registrations and logins, or any other methods will void that entrant’s entry and that entrant may be disqualified. Entries that have been generated by a script or by an automated method will be deemed void. In the event of a dispute regarding the identity of the person submitting an entry, the entry will be deemed submitted by the authorized account holder of the email address submitted at the time of entry. The authorized account holder is the natural person who is assigned to the email address by an internet access provider, online service provider, or other organization that is responsible for assigning email addresses, or the domain associated with the submitted email address. Potential winners may be required to show proof of being the authorized account holder.

5. Determination of Winners. First Horizon Bank will randomly choose one winner on October 19, 2026. Odds of winning depend upon the total number of eligible entries received during the Contest Period. Prize winners will be notified by a First Horizon Bank representative via email or any other available contact source provided at the time of entry. Winner(s) may be required to: provide his/her Social Security number for tax reporting purposes, to complete and return an IRS Form W-9, if applicable, and to provide any additional documents verifying your eligibility or identity upon request. If a winner cannot be contacted, fails to return any required documentation, or if it is determined by First Horizon Bank, in its sole discretion, that a potential winner is not eligible or is not in compliance with these Contest Official Rules, as applicable, the winner forfeits the prize without compensation of any kind. In the event of a prize forfeiture, an alternate winner may be selected by random drawing from among all remaining eligible entries, and they will be notified as outlined above, time permitting. Unclaimed prizes and/or forfeited prizes may not be awarded.

6. Prizes. (1) one grand prize winner shall receive (2) two tickets to the Houston Texans vs. Baltimore Ravens football game on November 29, 2026, and (1) one $500 VISA® gift card. Additional restrictions, conditions, and limitations may apply. All aspects of the prize will be provided and determined by First Horizon Bank in its sole discretion. The approximate total face value of all awarded prizes is $1,250. No substitution, transfer, assignment or cash equivalent for the prize shall be made.

Tickets, experiences and any passes are subject to the terms and conditions of event hosts, and First Horizon Bank will not be responsible or required to replace or compensate prize winner if any part of the prize is lost, stolen, misplaced, or destroyed, or if prize winner violates any such terms and conditions of the specific events. If the prize winner and guest cannot travel or attend on the dates specified, the prize will be forfeited in its entirety. First Horizon Bank is not responsible for any changes to any element of the prize by the event hosts, nor is it liable for any expenses incurred as a consequence of changes, cancellation or delays of any of the events. No substitution, transfer, assignment or cash equivalent for the prize shall be made. All other costs associated with prize acceptance and use not specified herein as being provided, including transportation, incidentals, personal charges, food and beverages, or gratuities are the sole responsibility of the prize winner.

7. Taxes. Federal, state, and local taxes, if any, are the sole responsibility of winner. An IRS Form 1099 may be issued to each winner for the value of the prize received.

8. Use of Entrant Information. By entering the Contest, you acknowledge and agree that First Horizon Bank will use your contact information for general solicitation, marketing, or other business or promotional activities in connection with the services and products provided by First Horizon Bank. You may at any time revoke the use of such information by responding to a marketing email using the unsubscribe link provided in the email. Please note that your opt-out preference will apply to marketing communication and may not apply to transactional communication including those associated with your entry.

9. Release. By entering, each entrant agrees to discharge, release and hold harmless First Horizon Bank and each of their parent companies, subsidiaries, affiliates, and each of their respective directors, officers, employees, and agents from any and all liability, claims, losses, damages, causes of action, suits, and demands of any kind arising out of participation in the Contest or receipt or use or misuse of any prize. Acceptance of prize shall constitute the winner’s agreement and understanding that First Horizon Bank has not made nor is in any manner responsible or liable for any warranty, representation, or guarantee, expressed or implied, in fact or in law, relative to any prize, including but not limited to its quality, merchantability, fitness for a particular purpose or mechanical condition.

10. General Terms. First Horizon Bank reserves the right, in its sole discretion, to cancel, suspend and/or modify the Contest, or any part of it, if any fraud, technical failures, or any other cause beyond First Horizon Bank’s reasonable control impairs the integrity or proper function of the Contest. First Horizon Bank is not responsible for any lost, late, incorrect, inaccurate, undelivered, damaged, or delayed entries, whether caused by an entrant or any other technical or human error which may occur in the administration of the Contest and the processing of entries. If for any reason an entry is confirmed to have been erroneously deleted, lost or otherwise destroyed or corrupted as a result of First Horizon Bank’s actions, the entrant’s sole remedy is another entry in the Contest, if it is possible. First Horizon Bank reserves the right, in its sole discretion, to disqualify any entrant it finds to be tampering with the entry process or the operation of the Contest or to be acting in violation of the Contest Official Rules or in any other disruptive manner. Any attempt by any person to deliberately undermine the legitimate operation of the Contest may be a violation of criminal and civil law, and First Horizon Bank reserves the right to seek damages from any such person to the fullest extent permitted by law. First Horizon Bank’s failure to enforce any term of these Contest Official Rules shall not constitute a waiver.

11. Publicity. Each entrant grants First Horizon Bank the right and permission to use his/her entry, name, address (city and state), photograph, likeness, biographical information, statement or voice for advertising, promotional, publicity and/or any other similar purposes in any media without future notice or compensation, except where prohibited by law. Each entrant waives the right to approve the finished product and agrees that First Horizon Bank is not responsible for any publishing errors caused by them or their media outlets.

12. Winner’s List. For a winner list, send a hand-printed, self-addressed, stamped envelope to First Horizon Bank, Attn: Houston South Belt/Ellington Banking Center Opening Giveaway Winner List, 800 S. Gay Street, Knoxville, TN 37929. The Houston South Belt/Ellington Banking Center Opening Giveaway must be mentioned in the request. The request must be received within 6 months after October 19, 2026.

13. Privacy Policy. All information submitted by entrants shall be subject to First Horizon Bank’s Privacy Policy (available at: www.firsthorizon.com and linking to the Privacy Policy).