Premier Exclusive Services and Features Brochure_Pgs

The next level of banking
built to your needs.

Premier Banking

This is Truist
Premier Banking.

Your finances should create opportunities.
You want to explore, grow, travel, relax, and
live. And, as a Premier Banking client,* you
should be able to take advantage of the
opportunities to do what you want.
Whether you’re growing your assets or
ready to start spending them in retirement,
it’s our goal to provide you the personal
attention, access, and expertise to turn
every opportunity into a reality for a life
well lived.

*C lients that maintain at least $100,000 in combined deposit and investment
assets with Truist.
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Your expert team is ready.

Premier Banking, designed for clients who maintain at least And because your needs are always changing, you need
$100,000 in combined deposit and investment assets with expertise as the complexity of your situation evolves.
Truist, affords you a wide range of exceptional benefits and That’s where your Premier Banking team comes in. Your
rewards. Greatest among them is our team-based approach Premier Banking team can personally connect you with
to meeting your needs. other specialized partners across the bank who can help
bring you even closer to your goals. These partners have
Your Premier Banking team provides you a personalized, expertise in:
objective assessment of your situation, followed by
guidance every step of the way. • Business and Commercial banking

• Mortgage

• Retirement and investing

• Risk management

• Wealth management

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A tailored strategy that’s all yours.

All we need to begin your financial planning experience This dynamic, advice-driven, relationship-based model
is a conversation to understand your goals and identify can help:
opportunities. We call this our Premier Advisory • Identify your priorities.
Client Experience (PACE). • Explore the “what-ifs” of your goals and options.
• G ive you access to your financial information, all in
It’s a distinct service provided to Premier Banking clients
that takes custom financial planning to a higher level. one place.
Through PACE, we will work with you to coordinate and • G ive you the ability to continuously review, monitor, and
elevate your financial decision-making process. This
process helps ensure we fully understand all of your needs adjust your financial plan.
across the five key Premier Banking planning elements:
1. Banking After learning about your personal situation and reviewing
2. Investments your existing accounts, your Premier Banking team
3. Risk management of financial professionals will leverage their extensive
4. Planning (retirement and education) resources to build your custom plan.
5. Estate
Following our conversations, we’ll tailor the plan, have
a holistic review, and then work together to execute the
outputs to ensure financial confidence.

Once everything is in place, we’ll continue to work behind
the scenes to identify new opportunities and adjust
accordingly to always meet your goals.

Investing in the success of the
communities we all call home.

At Truist, we want you to be proud of the bank you partner
with. That’s why we go above and beyond for our clients—
and our communities. Through the Truist Foundation,
Leadership Institute, as well as our commitment to
diversity, equality and inclusion, and volunteerism, we
look to make a positive impact in all of the neighborhoods
we serve.

Our hope is that through our commitment to
communities, you’ll share in the pride we feel.

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Benefits and rewards to take
your banking higher.

Whether it’s what you need today, or plans that are a little further out, live the way you want
knowing you have the personal attention, expertise, and convenience of Premier Banking.

Bank your way with bigger benefits.

Easy and rewarding. Just what you need as a Premier Banking client.

Truist Dimension Checking Premier Tier Truist Visa® credit cards

No matter what you need for the day ahead, this checking From your everyday essentials to your weekend getaways,
account helps make it all possible. our clients get rewarded with every opportunity.
• U nlimited no-fee non-Truist ATM transactions plus
Truist Enjoy Beyond
surcharge rebates per statement cycle.1
• Optional Delta SkyMiles® Debit Card with an annual • 10%, 25%, or 50% Loyalty Cash Bonus based on your
Truist deposit relationship when cash back is deposited
fee of $25 ($70 discount).2 into an eligible Truist deposit account.8
• No-fee incoming domestic and international
• Earn unlimited points rewards.
wire transfers.3
• N o fee for new and reordered personal checks of • 3x points per $1 spent on travel purchases (flights, hotel
stays, and car rentals), 2x points per $1 spent on dining
any style. (takeout, delivery, curbside, and eat-in restaurants), and
• Unlimited no-fee automatic overdraft 1x point per $1 spent on all other eligible purchases.9

protection transfers.4 • Welcome offer of 30,000 points after you spend $1,500
• $25 safe deposit box discount, subject to availability. on eligible purchases in the first 90 days after account
• E asy ways to avoid the monthly maintenance fee5 opening (worth $300).

with qualifying activity or relationship with Truist. • Up to $100 annual travel experience credit for items
such as ground transportation, cable/streaming services,
Savings and ticket agencies.10

• Get competitive rates on certificates of deposit and • Up to $100 statement credit11 every 4 years for
money market accounts.6 TSA PreCheck® or Global Entry® application fee
reimbursement.
Here, there, and everywhere.
Truist Enjoy Travel
Online, mobile, digital, in-branch—you name it—however • Earn unlimited miles rewards.
you want to bank, we’ll make it possible virtually whenever
and wherever you are. • 2x miles per $1 spent on travel purchases (flights, hotel
• Digital payments through Zelle®7 with increased limits. stays, and car rentals) and 1x mile per $1 spent on all
• Increased mobile deposit limit for ease and convenience. other eligible purchases.9

6 • Welcome offer of 20,000 miles after you spend $1,500
on eligible purchases in the first 90 days after account
opening (worth $200).

• Up to $85 statement credit11 every 4 years for
TSA PreCheck® or Global Entry® application fee
reimbursement.

• 10%, 25%, or 50% Loyalty Travel Bonus based on your
Truist deposit relationship when miles are redeemed
for travel through the rewards program.12

Looking for even more?

For everything you need for the years ahead, look no further than these additional Premier Banking benefits.

Investments and education for Mortgages
a comfortable future
Find the home of your dreams and financing that fits.
Feel confident you’re on track to reaching your goals. • Up to 89.99% financing on principal residences for loans
• Access to market updates and curated content
up to $1 million.15
from financial professionals.13 • Higher loan amounts available up to $3 million.16
• Conventional and government lending.
• Truist Investment Services online investing and
trading platform. Risk management

• Access to an extensive library of market intelligence Our insurance professionals are here to provide
and analysis. unparalleled service and a full suite of life insurance and
related solutions.
Lending discounts and benefits • Review of current policies.
• Risk assessment.
When you need to borrow, enjoy extra savings on loans • Asset protection strategies.
and lines of credit. • Life, long-term care, and disability insurance.17
• Interest rate reductions on consumer loans and lines • Excess liability coverage assessment.18
• Income protection strategies.
of credit.14 • Healthcare expense considerations.
• Charitable giving.
• Access to a financial professional who will help provide
expedited loan underwriting, processing, and closing.

• An array of consumer lending solutions, including
auto, home equity line of credit as well as secured and
unsecured loans.

• Securities-based lending option that helps you leverage
your assets while maintaining your investment strategy.

To learn more and make your appointment:
• Visit Truist.com/premierbanking
• Stop by your local Truist branch
• Call 877-892-9761

Investment and Insurance Products: Are not FDIC or any other Government Agency
Insured • Are not Bank Guaranteed • May Lose Value

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To learn more, scan QR code or
• Visit Truist.com/premierbanking
• Stop by your local Truist branch
• Call 877-892-9761

1A $3 cap on surcharge rebates applies.
2 D elta SkyMiles® Debit Card annual fee: The annual fee is charged 45 days after the open date of the card. For Truist Dimension Checking accounts, the initial annual fee will be based on the sum of highest monthly average ledger balance of your combined
eligible Truist consumer deposit balances on that date. Eligible Truist consumer deposit balances includes all checking, savings, certificate of deposit, individual retirement account and/or all consumer investments through Truist Investment Services,
Inc. titled in the owner or the co-owners name. Thereafter, for Truist Dimension and Signature Advantage Checking (no longer offered), we will use the highest average monthly ledger balance of the 3 most previous months to determine your annual fee.
Annual fee tiers are defined as follows: a) highest 3 month average ledger balance of less than $25,000 is charged an annual fee of $95; b) highest 3 month average ledger balance of $25,000 and less than $100,000 is charged an annual fee of $75; and
c) highest three 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 Truist Asset Management Checking
account clients, the annual fee will be discounted to $0. For Delta SkyMiles® cards opened before July 15, 2015, and not associated with a Truist Dimension Checking or Signature Advantage Checking account, the annual fee is $95. For clients whose
relationship segment changes, the annual fee will be adjusted upon the next annual fee billing date.
3 I ntermediary Financial Institutions may deduct additional fees from incoming wires, reducing the amount of the proceeds credited to your account. Fees may vary.
4 Eligible Overdraft Protection accounts include Truist deposit*, credit card**, and personal line of credit accounts. All advances are subject to funds availability. If you use your savings or money market account for Overdraft Protection, each transfer
counts toward the 6 transactions allowed per statement cycle: subsequent transactions may be subject to a withdrawal limit fee. Please refer to our Fee Schedule and Deposit Account Agreement at Truist.com/disclosures for additional details. If
Overdraft Protection is provided by a credit card or line of credit, please also refer to that account agreement. * Not all Deposit Accounts are eligible. ** Subject to credit approval and eligibility.
5Please review the Truist Personal Deposit Accounts Fee Schedule for a complete listing of all deposit account terms and conditions.
6S ee the Truist Personal Deposit Accounts Fee Schedule for details.
7Must have a bank account in the U.S. to use Zelle. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.
8 You will receive a 10% Loyalty Cash Bonus added to your cash redemption amount when you electronically deposit your Cash Rewards redemption into your eligible Truist personal checking, personal savings, or personal money market account. If you
have a Truist Dimension Checking account or Signature Advantage Checking account and also electronically deposit your Cash Rewards redemption into your eligible Truist personal checking, personal savings, or personal money market account, you
may receive either a 25% or 50% Loyalty Cash Bonus added to your cash redemption amount. If applicable, this 25% or 50% Loyalty Cash Bonus would replace the 10% Loyalty Cash Bonus described above. We determine and award your Loyalty Cash
Bonus at the same time as your cash rewards redemption. For Truist Dimension Checking account or Signature Advantage Checking account clients, we perform a calculation for each of the prior three calendar months (“monthly review”) and for each
monthly review, this calculation determines the highest average monthly balance of your combined eligible consumer deposit and investment balances. We will use the highest average monthly balance among those 3 monthly reviews to assign your
Loyalty Cash Bonus percentage as follows: 50% Loyalty Cash Bonus if combined eligible consumer balances are $100,000 or greater; 25% Loyalty Cash Bonus if combined eligible consumer balances are between $25,000 and $99,999.99; 10% Loyalty
Cash Bonus if combined eligible consumer balances are less than $25,000.
9Y ou may earn rewards on eligible purchases made with your credit card. Eligible purchases include any signature-based purchase, internet purchase, phone or mail-order purchase, or automatic bill payment, excluding cash advances, traveler’s checks,
access checks, balance transfers, money orders, cash equivalents, fees, interest charges, credit insurance, fraudulent transactions, credits, and returns (each a qualifying purchase). A qualifying purchase is determined to qualify for the additional bonus
reward rate if the participating merchant assigns the appropriate MCC code to the transaction information received by Truist. Truist is not responsible for inaccurate reporting by participating merchants. Refer to Truist.com for Rewards Terms
and Conditions.
10Refer to rewards program terms and conditions for more information.
11M ember is entitled to one $85 statement credit per Truist Enjoy Travel account or one $100 statement credit per Truist Enjoy Beyond account every four years, in connection with either the TSA PreCheck® ($85) or Global Entry ($100) program. To

qualify, a member must use the Truist Enjoy Travel or Truist Enjoy Beyond credit card to pay the application fee. For complete details on the TSA PreCheck® program, go to tsa.gov/precheck. For complete details on the Global Entry program, go to cbp.
gov/global-entry/about. The TSA PreCheck® trademark is used with the permission of the U.S. Department of Homeland Security.
12 If you have a Truist personal checking, personal savings, or personal money market account and use the Program to redeem Miles for travel reward offerings, you will receive a 10% Loyalty Travel Bonus added to your available Program Miles. For
example, 2,500 Miles would include an additional 250 Miles totaling 2,750 Miles available to redeem for travel reward offerings. These Loyalty Travel Bonus Miles are only added when you redeem Miles for travel reward offerings in the Program. If you
have a Truist Dimension Checking account or Signature Advantage Checking account and use the Program to redeem Miles for travel reward offerings, you may receive either a 25% or 50% Loyalty Travel Bonus added to your available Program Miles;
if applicable, this 25% or 50% Loyalty Travel Bonus would replace the 10% Loyalty Travel Bonus described above. We determine and award your Loyalty Travel Bonus at the same time as your Miles rewards redemption for Program travel offerings. For
Truist Dimension Checking account or Signature Advantage Checking account clients, we perform a calculation for each of the prior three (3) calendar months (“monthly review”); for each monthly review, this calculation determines the highest average
monthly balance of your combined eligible consumer deposit and investment balances. We will use the highest average monthly balance amongst those 3 monthly reviews to assign your Loyalty Travel Bonus percentage as follows: 50% Loyalty Travel
Bonus if combined eligible consumer balances are $100,000 or greater; 25% Loyalty Travel Bonus if combined eligible consumer balances are between $25,000 and $99,999.99; 10% Loyalty Travel Bonus if combined eligible consumer balances are
less than $25,000.
13Offered by Truist Investment Services, Inc.
14I nterest rate reduction is off the standard rate of a consumer loan or line of credit. For the Truist Equity Line, this interest rate reduction does not apply to the promotional rate advances, fixed-rate/fixed-term advances, or during the repayment period.
All loan and line discount offers are subject to change. Offer for new and refinanced consumer loans and lines of credit, as well as for credit line increases. Premier Banking interest rate reductions are not available on existing consumer loans or lines of
credit and may not be applicable for all products. Consult your banker for details.
15P remier Mortgage requires a minimum of $100,000 in eligible assets after closing. Loans equal to or under $1 million require $150,000 per year in income; loans over $1 million require $250,000 per year in income. This product is not available in some
states; please contact your loan officer for details.
16Loan programs and eligibility criteria are subject to change at any time without notice. Contact your loan officer for details.
17Offered by Truist Life Insurance Services.
18Offered by McGriff Insurance Services, Inc.
Loans, lines of credit, and credit cards offered by Truist are subject to credit approval, eligibility, and credit qualifications.
Certain Risks of Securities-Based Lending: Loans secured by marketable securities, including a securities-based line of credit, carry special risks that you should carefully consider in the context of your own investment philosophy and risk profile. Some
of these risks include, but are not limited to: a change in the value of assets due to market fluctuations that may impact your ability to obtain advances; potential maintenance/collateral calls that require you to pay down the loan or deposit additional
collateral to avoid a forced sale of assets; an impact on your overall cost of borrowing as a result of interest rate fluctuations; a forced sale of assets in your account could have adverse tax consequences and impact your long-term investment strategy.
Some restrictions on the use of loan proceeds from a securities-based line of credit may apply under the loan documents and applicable laws and regulations. Borrowing against securities may not be appropriate for everyone. Truist offers many
alternatives to securities-based lending to accommodate your financing needs. You should consult your independent tax and legal advisors to fully understand the implications associated with pledging securities as collateral for a securities-based line
of credit and to determine whether securities-based lending is appropriate for you.
Insurance products and services are offered through McGriff Insurance Services, Inc. Life insurance products are offered through Truist Life Insurance Services, a division of Crump Life Insurance Services, Inc., AR license #100103477. Both McGriff and
Crump are wholly owned subsidiaries of Truist Insurance Holdings, Inc.
Keep in mind that investing involves risk. The value of your investments will fluctuate over time, and you may gain or lose money.
Truist Wealth is a marketing name used by Truist Financial Corporation. Services offered by the following affiliates of Truist Financial Corporation: Banking products and services, including loans and deposit accounts, are provided by SunTrust Bank and
Branch Banking and Trust Company, both now Truist Bank, Member FDIC. Trust and investment management services are provided by SunTrust Bank and Branch Banking and Trust Company, both now Truist Bank, and Truist Delaware Trust Company.
Securities, brokerage accounts and/or insurance (including annuities) are offered by Truist Investment Services, Inc., and P.J. Robb Variable Corp., which are each SEC registered broker-dealers, members FINRA, SIPC, and a licensed insurance agency
where applicable. Life insurance products are offered through Truist Life Insurance Services, a division of Crump Life Insurance Services, Inc., AR license #100103477, a wholly owned subsidiary of Truist Insurance Holdings, Inc. Investment advisory
services are offered by Truist Advisory Services, Inc., GFO Advisory Services, LLC, Sterling Capital Management, LLC, and Precept Advisory Group, LLC, each SEC registered investment advisers. Sterling Capital Funds are advised by Sterling Capital
Management, LLC.
Services and products featured herein may include some offered by affiliated companies of Truist Wealth. The fees for those services and products are in addition to the fees charged by Truist Wealth. As a result, Truist Financial Corporation, as a whole,
receives more compensation than would otherwise be received if a non-affiliated service or product was used. When we offer any service or product to a client, we use the same process to offer both affiliated and non-affiliated services and products.
When we have authority to select any service or product on behalf of a client, if our process shows affiliated services and products to be competitive with corresponding non-affiliated services and products, then we may select affiliated products and
services. Truist Wealth expresses no opinion on the use of Truist affiliated services and products when the client selects such services and products in a client-directed account.
The information provided should not be considered as tax or legal advice. Please consult with your tax advisor and/or attorney regarding your individual circumstances.
Zelle and Zelle-related marks are wholly owned by Early Warning Services, LLC, and are used herein under license.
Truist Bank, Member FDIC and an Equal Housing Lender.
© 2021 Truist Financial Corporation. Truist, Truist purple, and the Truist logo are service marks of Truist Financial Corporation.

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