Truist Financial Investor Presentation — December 2020

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Goldman Sachs Financial Services Conference

Kelly King –Chairman & CEO

1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 Truist’s priorities for 2 021on page 8

of this presentation, including the amount of expense savings to be realized from the merger and the number of branch closure s anticipated to occur during the year.

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 cau se actual results to differ materially from those

contemplated by forward -looking statements include the following, without limitation, as well as the risks and uncertainties mor e fully discussed under Item 1A -Risk Factors in our Annual Report on Form 10 -K for the year ended December 31, 2019, Item 1A -Risk Factors in our Quarterly Report on Form 10 -