Truist Financial Investor Presentation — March 2019

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RBC Capital Markets Financial Institutions Conference

Kelly S. King, Chief Executive Officer

[-Public -] Forward- Looking / Non -GAAP

Cautionary Note Regarding Forward -Looking Statements

This communication contains “forward -looking statements” within the meaning of the Private Securities Litigation Reform Act of 1 995 regarding the financial condition, results of operations, business plans and the future

performance of BB&T and SunTrust. Words such as “anticipates,” “believes,” “estimates,” “expects,” “forecasts,” “intends,” “p lans,” “projects,” “could,” “may,” “should,” “will” or other similar words and expressions are

intended to identify these forward -looking statements. These forward -looking statements are based on BB&T’s and SunTrust’s curre nt expectations and assumptions regarding BB&T’s and SunTrust’s businesses, the economy,

and other future conditions. Because forward -looking statements relate to future results and occurrences, they are subject to in herent uncertainties, risks, and changes in circumstances that are difficult to predict. Many

possible events or factors could affect BB&T’s or SunTrust’s future financial results and performance and could cause actual results or performance to differ materially from anticipated results or performance. Such risks and

uncertainties include, among others: the occurrence of any event, change or other circumstances that could give rise to the r ight of one or both of the parties to terminate the definitive merger agreement between BB&T

and SunTrust, the outcome of any legal proceedings that may be instituted against BB&T or SunTrust, delays in completing the transaction, the failure to obtain necessary regulatory approvals (and the risk that such