Barclays Global Financial Services Conference

Value Proposition Purpose-driven: Committed to inspire and build better lives and communities Exceptional franchise with diverse products, services, and markets ☐ ☐ Sixth-largest commercial bank in the U.S. Strong market share in vibrant, fast- growing MSAs throughout the Southeast and Mid-Atlantic and a growing national presence Comprehensive business mix with distinct capabilities in traditional banking, capital markets and insurance ■ Better together: "Best of breed" talent, technology, strategy and processes AB Uniquely positioned to deliver best-in-class efficiency and returns while investing in the future ■ Continued confidence in achieving $1.6 billion of net cost savings ■ Highly complementary businesses and expanded client base combine to yield revenue synergies ■ Returns and capital buoyed by purchase accounting accretion Meaningful investments in innovative technologies, teammates, marketing and advertising Strong capital and liquidity with resilient risk profile enhanced by the merger ■ Prudent and disciplined risk and financial management ■ Conservative risk culture; leading credit metrics; among the highest-rated large banks ■ Diversification benefits arising from the merger ■ Stress test well ■ Strong capital and liquidity equate to flight to quality ■ Defensive balance sheet insulated by purchase accounting marks, combined with CECL credit reserves Growing earnings stream with less volatility relative to peers over the long-term TRUIST HH 6

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