Truist Financial Investor Presentation — November 2019

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BancAnalysts Association of Boston

Daryl N. Bible, Chief Financial Officer

The information on this slide and the previous slide should be included in all decks and materials circulated prior to and in connection with any pre -merger

meetings during the Integration process.

Additional Information about the Merger and Where to Find It

In connection with the proposed merger with SunTrust, BB&T has filed with the SEC a registration statement on Form S -4 to regist er the shares of BB&T’s capital stock to

be issued in connection with the merger, as amended on May 7, 2019, June 14, 2019 and June 19, 2019. The registration statement was declared effective by the SEC

on June 19, 2019. The registration statement includes a joint proxy statement/prospectus . BB&T and SunTrust commenced mailing the definitive joint proxy

statement/prospectus to stockholders on or about June 27, 2019, and the special meetings of the shareholders of BB&T and SunT rust were held on July 30, 2019.

INVESTORS AND SECURITY HOLDERS ARE URGED TO READ THE REGISTRATION STATEMENT ON FORM S -4, THE JOINT PROXY STATEMENT/PROSPECTUS INCLUDED WIT HIN

THE REGISTRATION STATEMENT ON FORM S -4 AND ANY OTHER RELEVANT DOCUMENTS FILED OR TO BE FILED WITH THE SEC IN CONNECTION WITH THE PROPOSED

TRANSACTION BECAUSE THESE DOCUMENTS DO AND WILL CONTAIN IMPORTANT INFORMATION ABOUT BB&T, SUNTRUST, AND THE PROPOSED TRANSACT ION.

Investors and security holders may obtain copies of these documents free of charge through the website maintained by the SEC at www.sec.gov or from BB&T at its

website, www.bbt.com, or from SunTrust at its website, www.suntrust.com. Documents filed with the SEC by BB&T will be availa blefree of charge by accessing BB&T’s