Truist Financial Investor Presentation — April 2020

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Earnings Conf erence Call

Kelly King - Chairman & CEO

This presentation contains “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995, regarding the financial condition, results of operations, business plans and the future performance of Truist. W ords such as “anticipates,”

“believes,” “estimates,” “expects,” “forecasts,” “intends,” “plans,” “projects,” “may ,” “will,” “should,” “would,” “could” and other similar expressions are intended to identify these forward-looking statements.

Forward-looking statements are not based on historical facts but instead represent management’ s expectations and assumptions regarding Truist’ s business, the economy and other future conditions. Such statements involve inherent uncertainties, risks and changes

in circumstances that are dif ficult to predict. As such, Truist’ s actual results may dif fer materially from those contemplated by forward-looking statements. While there can be no assurance that any list of risks and uncertainties or risk factors is complete, important

factors that could cause actual results to dif fer materially from those contemplated by forward-looking statements include the following, without limitation, as well as the risks and uncertainties more fully discussed under Item 1A-Risk Factors in our Annual Report on

Form 10-K for the year ended December 31, 2019 and in Truist's subsequent filings with the Securities and Exchange Commission:Forward-Looking Statement

=risks and uncertainties relating to the Merger, including the ability to successfully integrate the companies or to realize the anticipated benefits of

=expenses relating to the Merger and integration of heritage BB&T and heritage SunTrust;