Truist Financial Investor Presentation — April 2021

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1Truist Financial Corporation First Quarter 2021

Investor Presentation2

This presentation contains "forward -looking statements" within the meaning of the Private Securities Litigation Reform Act of 19 95, regarding the financial condition, results of operations, business plans and the future performance of Truist. Words such as"anticipates," "believes," "estimates," "expects,

"forecasts," "intends," "plans," "projects," "may," "will," "should," “would," "could" and other similar expressions are inte nded to identify these forward -looking statements. In particular, forward looking statements include, but are not limited to, statements we make about: (i) Truist’s strategic objectives and

merger integration priorities for 2021, including planned branch consolidations and digital migrations, (ii) projected amount s of merger- related and restructuring charges and incremental operating expenses related to the merger, (iii) Truist’s medium -term performance targets with respect to return on

tangible common equity and efficiency and capital ratios, (iv) the amount of expense reductions to be realized from the merge r or other strategic initiatives and the timing of such realization, (v) Truist’s goals for its CET1 ratio, (vi) anticipated amo unts of share repurchases, and (vii) projections of future

Forward -looking statements are not based on historical facts but instead represent management's expectations and assumptions reg arding Truist's business, the economy and other future conditions. Such statements involve inherent uncertainties, risks and changes in circumstances that are difficult to

predict. As such, Truist’s actual results may differ materially from those contemplated by forward -looking statements. While the re can be no assurance that any list of risks and uncertainties or risk factors is complete, important factors that could cause actual results to differ materially from those