Direct Deposit: A qualifying Direct Deposit is an electronic credit via ACH deposited to your account during the current statement cycle. Pre-authorized transfers made from one account to another or deposits made via a

branch, ATM, online transfer, mobile device, debit card/prepaid card number or the mail are not eligible to meet this requirement.

Total Combined Balance: The sum of all balances within the Truist personal deposit accounts (checking, savings, money market or CDs), IRAs or brokerage accounts introduced through Truist Investment Services, Inc.

Truist HSA is excluded from Total Combined Balances.

Linked Small Business Checking Account: Eligible Small Business account types to be linked include: Truist Dynamic Checking, Business Interest Checking, Simple Business Checking and Business Value 200.

Monthly Maintenance Fee (MMF): Waiver for clients aged 62 and older requires that they are listed as the primary owner. Waiver for a student under the age of 25 requires that they are listed as the primary owner. The

waiver is applied automatically at account opening and expires on the 25th birthdate of the student or their stated graduation date, whichever comes later. On this date, the account is subject to all applicable fees, including

the Monthly Maintenance Fee unless at least one waiver criterion is satisfied.

Truist One Checking Levels: Most Truist One Checking accounts start in Level 1 upon account opening and can begin increasing Levels following the first month. Truist One Checking levels are determined by the balance in

your Truist One Portfolio (“Portfolio”). Your Portfolio includes all eligible Truist consumer deposit balances in your checking accounts, savings (excluding Truist HSA), Certificates of Deposit, IRAs and/or all investments

through Truist Investments Services, Inc. where you are the primary or secondary account owner. For each of your accounts used in the Portfolio, we use the monthly average ledger balance. We then take the sum of all of

these accounts to determine the Portfolio balance for the month. Each month, your Level is based on the highest Portfolio value of the three previous months. Note: Accounts that are opened with a company ID code

through a company sponsored Financial Wellness program start at Level 2; Clients identified as Premier and Wealth start at Level Premier. Note: Truist Dynamic Business Checking linkage will be checked on the 2nd

business day of the month when levels are calculated. If clients have a linked Dynamic Business Checking account, they will be granted Level Premier. All Truist One Checking account levels will receive a $25 Annual Fee

Discount on any size safe deposit box, subject to availability.

Minimum Opening

Deposit

Investments: For Truist Wealth Checking and Truist AMA, investments include assets held in a traditional brokerage account, fee-based assets under management, annuities and IRAs.

Trust balances: Balances that are held in the Truist Trust Department or Truist Advisory Services, Inc., an SEC registered investment adviser, provides discretionary asset management services to the client in a fiduciary

capacity.

Interest-bearing account: Interest is calculated and compounded daily on the collected balance and credited to your account monthly. Fees may reduce earnings. Interest rates are variable and can change at any time at the

bank's discretion. All interest rates have a corresponding Annual Percentage Yield (APY).

by mail or through any electronic means.

Secured Credit Card Savings (“Secured Savings Account”): Please refer to the Secured Consumer Credit Card Agreement you received when opening your Truist Secured Credit Card for additional details.

Minimum Opening Deposit: Must maintain a balance of $0.01 to avoid account closure and to obtain the required interest rate and Annual Percentage Yield (APY) as described in the APY Disclosure.

for the Truist One Savings account.

Paperless Online Statement: Electronic/Online Statement provided through Online Banking each statement cycle. Clients may select the option to no longer receive paper account statements through U.S. mail. Online

Banking is required to access Paperless Online Statements.

Withdrawal Limit Fee: The withdrawal limit fee applies, regardless of the balance, to all withdrawals and transfers made from a Truist personal savings and/or money market account including those made at a branch, ATM,

by mail or through any electronic means.

are not eligible for Image statements.

Overdraft (OD) Fee: One Overdraft Fee will be waived per month for Truist Asset Management Accounts. This fee applies to overdrafts created by checks, in-person withdrawals, ATM withdrawals, or other electronic means.

and available for use after nightly processing unless a hold is placed.

deposited item, minus the applicable fee, at the time the deposit is made. Currently available for Mobile Check Deposits only.

intermediary banks. Fees may vary.

per calendar month. However, intermediary financial institutions may deduct fees from incoming international wires, reducing the amount of proceeds credited to your account. Fees may vary.

International Point of Sale (POS),

ATM and Cash Advance; International

Service Assessment Fee

The Truist Debit card can be added to the following accounts: Truist One Checking, Truist One Money Market and Truist Confidence Accounts.

Wealth/AMA Debit Card can be added to the Truist Wealth or Truist AMA Checking accounts to receive unlimited no fee non-Truist fee waivers and surcharge rebates. There is no limit on the surcharge rebates.

Delta SkyMiles® Debit Card can be added to Truist One Checking, Truist Wealth Checking and Truist AMA accounts.

Fee waivers for non-Truist ATM Fees for Truist One Checking: Level 1 – no fee waivers and no surcharge rebates; Level 2 – 1 non-Truist ATM fee waivers and 1 surcharge rebates (max $3 each); Level 3 – 3 non-Truist

ATM fee waivers and 3 surcharge rebates (max $3 each); Level 4 – 5 non-Truist ATM fee waivers and 5 surcharge rebates (max $3 each); Level Premier – Unlimited non-Truist ATM fee waivers and surcharge rebates (max

$3 each). Waivers and rebates are per statement cycle for all accounts except Dimension and Truist One Checking which are per calendar month.

No Non-Truist ATM Fee or Non-Truist International ATM fee for Truist Wealth Checking and Truist AMA accounts.

Premier) highest 3-month average ledger balance of $100,000 or more is charged an annual fee of $25. Annual fee will be calculated at the end of the month prior to the annual fee being charged. For Truist Wealth and

Must have a bank account in the U.S. to use Zelle®. Transactions typically occur in minutes between enrolled users. If a recipient is not enrolled with Zelle®, it could take one to three business days to receive the money

are not charged. One Overdraft/Returned Item will be waived per month for Truist Asset Management Accounts.