Summary of Changes to the Online and Mobile Business Banking Service Agreement

Effective as of 06/15/2024

Key changes to the Agreement include:

• Updated Section 5(a) (Internal Funds Transfers, Payments to a Truist Account, and Advances from a Truist Account; Daily Processing Deadlines and Limits) to address improvements in how quickly internal funds transfers between a Truist Bank Account and a Truist Investment Services, Inc. Account are processed and completed.
• Updated Section 14(d) (Additional Services; ACH Transfer Service) to provide additional details and terms on the Dual Approval Feature for ACH transfers.
• Updated Section 14(e) (Additional Services; Wire Transfer Service) to: (i) clarify that fees for initiating wires from an eligible business or personal account are charged to the designated business billing account; and (ii) to provide additional details and terms on the Dual Approval Feature for wire transfers.
• Updated Section 19 (f) (Changes to Agreement) to: (i) clarify that we may add, delete, or change the terms of the Agreement at any time; (ii) explain when and how we will inform you of any changes to the Agreement; (iii) provide that your continued use of Truist Online and Mobile Banking Services after the date that changes to the Agreement are posted on our website will constitute your acceptance of and agreement to any such changes; and, (iv) clarify that you may discontinue using the Services if you do not agree with a change.