For over 30 years, FHN Financial has provided community and regional banks interest rate management tools used by larger financial institutions without costly contracts or hidden fees. FHN Financial (First Horizon Bank) is a direct, FDIC-insured counterparty, providing flexibility to meet your institution's unique needs in a constantly evolving financial environment. Historically, smaller institutions faced barriers to the derivatives market due to education gaps, regulatory concerns, and high fees. Regulatory advancements and increased transparency have not only made derivatives more accessible but also essential for effective interest rate management. Working with FHN Financial, community banks can now confidently leverage derivatives to protect margins, enhance offerings, and drive long-term growth.