*Provided by First Horizon Advisors through LPL Financial.

First Horizon Wealth Management is the marketing name for wealth-related services available to First Horizon clients. Banking products and services provided by First Horizon Bank. Financial planning and trust services, including investment management services, provided by First Horizon Bank.

LPL Financial Form CRS

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"First Horizon Advisors" is a brand name used by certain employees of First Horizon Bank who provide securities, advisory, and insurance products and services offered through LPL Financial (LPL) and/or its licensed affiliates. Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker- dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. First Horizon Bank and First Horizon Advisors are not registered as broker- dealers or investment advisors. Registered representatives of LPL offer products and services using First Horizon Advisors and may also be employees of First Horizon Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, First Horizon Bank or First Horizon Advisors. Securities and insurance offered through LPL or its affiliates are:

Not Insured by FDIC or Any Other Government Agency

Not Bank Guaranteed

Not Bank Deposits or Obligations

May Lose Value

First Horizon Bank ("Financial Institution") provides referrals to financial professionals of LPL Financial LLC ("LPL") pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services.

Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.

I am at or nearing retirement. What are my lump sum distribution options?