The element should be located with any of: By.cssSelector(".ban") or with By.cssSelector(".hot") or even with By.cssSelector(".ban.hot")
But if its not happenning, then any of the below should work:
With cssSelector:
IList<we> hotBanners = driver.FindElements(By.CssSelector(".ban.hot"));
we banUsStates = hotBanners[3];
And probaby only With XPath:
driver.FindElement(By.XPath("//h5[contains(@class, 'ban hot') and text() = 'us states']"));