Account No Fee

Personal Deposit Accounts Fee Schedule

PERSONAL CHECKING ACCOUNTS

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Truist Bank, Member FDIC. ©2023 Truist Financial Corporation. Truist and the Truist logo are service marks of Truist Financial Corporation. 1 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. 2 Qualifying transactions are those that debit your account: Withdrawals, payments, and transfer transactions made at an ATM. Debit Card payments and purchase transactions including PIN Point of Sale (POS), signature-based purchases, Zelle® payments, and recurring payments. These transactions must be posted to your account during the statement cycle. Bank fees are not included. 3 Monthly Maintenance Fee (MMF): 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. 4 Paperless Online Statement: Electronic/Online Statement provided through Online Banking each statement cycle. Clients must select the option to no longer receive paper account statements through U.S. mail or a monthly fee as stated above applies. Online Banking is required to access Paperless Online Statements. 5 Ledger Balance: The actual balance in your account on a specific day and does not reflect any holds or pending transactions. 6 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. 7 Related Accounts: Related accounts automatically includes all applicable accounts associated with primary and secondary account holders. 8 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. 9 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, 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; Cl ients identified as Premier and Wealth start at Level Premier. All Truist One Checking account levels will receive a $25 Annual Fee Discount on any size safe deposit box, subject to availability. 10 Delta SkyMiles® Debit Card Annual Fee: See the Delta SkyMiles® Debit Card Annual Fee section on Page 7 for more details. Truist Confidence Account Truist One Checking Account Minimum Opening

Deposit

$25 $50

Monthly Maintenance

Fee

$5.00 $12.00

Avoiding the Monthly

Maintenance Fee

Make $500 or more in total deposits

per statement cycle OR

Make 10 or more qualifying transactions

per statement cycle2 OR

Students under the age of 253

Make $500 or more in total qualifying Direct Deposits1 per statement cycle OR Maintain a total combined ledger balance5,6 of $500 or more in Truist related accounts7 across personal deposits and all investments as reflected on the business day before your statement cycle end date OR Have a related Truist personal credit card, mortgage or consumer loan, excluding LightStream® OR Have a linked Small Business Checking account8 OR

Students under the age of 253

Monthly Paper

Statement Fee

$2.00

No charge for Paperless Online Statement4

$3.00

No charge for Paperless Online Statement4

Interest Calculation Truist Confidence Account is a non- interest-bearing account

Truist One Checking is a non-interest-bearing account Additional

Information

Not applicable

Truist One Checking is a multi-level9 checking account based on your balance relationship level. The Truist One Checking levels are: Level 1: $0 - $9,999.99; Level 2: $10,000 - $24,999.99; Level 3: $25,000 – $49,999.99; Level 4:

$50,000 - $99,999.99; Level Premier: $100,000 or more Truist One Checking also offers the Delta SkyMiles® Debit Card. Annual Fee May Apply.10 Relationship Pricing: The Truist One Checking account is eligible for additional related7 Truist One Checking and or Truist One Savings Account(s) with no monthly maintenance fee based on the following levels: Level 1: One (1) savings account; Level 2: One (1) checking account and one (1) savings account; Level 3: Two (2) checking accounts and one (1) savings account; Level 4: Three (3) checking accounts and one (1) savings account; Level Premier: Unlimited checking accounts and savings accounts. The monthly maintenance fee waiver and any other associated benefits can take up to two (2) business days to take effect. TRUIST WEALTH ACCOUNTS

Personal Deposit Accounts Fee Schedule

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Truist Bank, Member FDIC. ©2023 Truist Financial Corporation. Truist and the Truist logo are service marks of Truist Financial Corporation. Truist Wealth Checking1 Truist Asset Management Account (AMA) Truist Wealth Money Market Account Minimum Opening

Deposit

$100 $25,000 - Includes cash, check, securities

and/or Truist deposit account balances

$25,000

Monthly Maintenance

Fee

$50.00 (Annual Fee) – will be charged 3 months after account opening and each year thereafter on the

service charge anniversary date

$0 $25.00

Avoiding the Monthly

Maintenance Fee

(Annual Fee) Maintain a minimum daily ledger balance2 of $25,000 in your Truist Wealth Checking or your Truist Wealth Money Market account OR $100,000 or more in the sum of all current balances from Truist related accounts3 across personal deposits, all investments4, Trust5, personal mortgage, consumer loan/lines

(excluding LightStream®), personal credit card or Truist Ready Now Credit Line accounts

Not Applicable Maintain a minimum daily ledger balance2 of

$25,000 or more

Interest Calculation Interest is calculated and compounded daily on the collected balance and credited to your account monthly. Fees may reduce earnings. Withdrawal

Limit Fee

Not applicable Not applicable $15 per withdrawal over six with a maximum of six withdrawal limit fees7 per

statement cycle

Additional Information Truist Wealth Checking is available to clients with

$1,000,000 or more in qualifying personal investments with Truist. Truist Wealth Checking offers the Wealth Debit Card or Delta SkyMiles® Debit Card (Annual Fee May Apply6).

Choose any personal check design at no charge.

Truist AMA combines the ease and convenience

of a checking account with the investment

opportunities of a full-service brokerage account. Truist AMA offers the AMA Debit or Delta

SkyMiles® Debit Card (Annual Fee May Apply6).

Choose any personal check design at no charge.

Truist Wealth Money Market account is a

savings option available to clients with

$1,000,000 or more in qualifying personal

investments with Truist. Truist Wealth Money

Market offers checks at no charge.

Brokerage

Commission and Fee

Investment and

Insurance Products

Refer to your Truist Investment Services, Inc. Commission and Fee Schedule for commissions and fees that may apply. Investment and Insurance Products: Are Not FDIC or Any Other Government Agency Insured • Are Not Bank Guaranteed • May Lose Value Truist Wealth is a marketing name used by Truist Financial Corporation. Services provided by the following affiliates of Truist Financial Corporation (Truist): Banking products and services, including loans and deposit accounts, are provided by Truist Bank, Member FDIC. Trust and investment management services are provided by Truist Bank, and Truist Delaware Trust Company. Securities, brokerage accounts and /or insurance (including annuities) are offered by Truist Investment Services, Inc., and/or P.J. Robb Variable Corp., which are SEC registered broker-dealers, members FINRA SIPC, and a licensed insurance agency where applicable. 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. 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. Where applicable, any affiliation and all pertinent provider information will be disclosed in accompanying agreements and prospectuses. 1 Truist Wealth Checking: If linked to an eligible Truist Investment Services, Inc. brokerage account, the Truist Asset Management Account pricing will apply. If the linked brokerage account relationship is removed, then the account will revert to the standard Truist Wealth Checking pricing. 2 Ledger Balance: The actual balance in your account on a specific day and does not reflect any holds or pending transactions. 3 Related Accounts: Related accounts automatically includes all applicable accounts associated with primary and secondary account holders. 4 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. 5 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. 6 Delta SkyMiles® Debit Card Annual Fee: See the Delta SkyMiles® Debit Card Annual Fee section on Page 7 for more details. 7 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.

Personal Deposit Accounts Fee Schedule

PERSONAL SAVINGS ACCOUNTS and PERSONAL MONEY MARKET ACCOUNT Truist Bank, Member FDIC. ©2023 Truist Financial Corporation. Truist and the Truist logo are service marks of Truist Financial Corporation. R-FS-2.0 Effective 02/03/2023

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Truist One Savings Truist Confidence Savings Truist One Money Market Account Secured Credit Card Savings 7

Minimum Opening

Deposit

$501 $25 $50 $400

Monthly Maintenance

Fee

$5.00 $0 $12.00 $0

Avoiding the

Monthly Maintenance

Fee

Maintain a minimum daily ledger

balance2 of $300 OR

Schedule a recurring preauthorized

internal transfer of $25 or more per

statement cycle into the Truist One

Savings Account OR

Waived for a minor under the age of

183 OR

Waived with ANY related4 Truist

checking product

Not applicable

Maintain a minimum daily ledger balance2

of $1,000 or more

Not applicable

Monthly/Quarterly

Paper Statement Fee

$3

No charge for Paperless Online

Statement5

$2

No charge for Paperless Online

Statement5

$3

No charge for Paperless Online Statement5

$0

Withdrawal Limit Fee $5 per withdrawal over six with a maximum of six withdrawal limit fees

per statement cycle6

$5 per withdrawal over six with a

maximum of six withdrawal limit

fees per statement cycle6

$15 per withdrawal over six with a

maximum of six withdrawal limit fees per

statement cycle6

Withdrawals not allowed; funds are

held as collateral for the Truist

Secured Credit Card8

Interest Calculation 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). Additional

Information

Not applicable Not applicable Truist One Money Market Account is not intended to be set up as a minor account.

Only opened as collateral for a

Truist Secured Credit Card8.

1 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. 2 Daily Ledger Balance: The actual balance in your account on a specific day and does not reflect any holds or pending transactions. 3 Monthly Maintenance Fee (MMF): Waiver for an account holder under age 18 (minor) requires that the Minor is listed as the primary owner. The waiver is applied automatically at account opening and expires on the 18th birthdate of the minor. On the date when the minor turns the age of 18, the account is subject to all applicable fees, including the Monthly Maintenance Fee unless at least one waiver criterion is satisfied. 4 Related Accounts: Related accounts automatically includes all applicable accounts associated with primary and secondary account holders. Note: The Truist Confidence Account is not an eligible product to waive the MMF for the Truist One Savings account.

5 Paperless Online Statement: Electronic/Online Statement provided through Online Banking each statement cycle. Clients must select the option to no longer receive paper account statements through U.S. mail or the monthly fee stated above applies. Online Banking is required to access Paperless Online Statements. 6 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.

7 Secured Credit Card Savings: Please refer to the Secured Consumer Credit Card Agreement you received when opening your Truist Secured Credit Card for additional details. 8 Truist Secured Credit Card: Truist Secured Credit Cards are subject to credit approval. Please see your Truist Secured Credit Card Agreement for more information. Personal Deposit Accounts Fee Schedule

MISCELLANEOUS SERVICES AND FEES

DEPOSIT SERVICES

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Truist Bank, Member FDIC. ©2023 Truist Financial Corporation. Truist and the Truist logo are service marks of Truist Financial Corporation. Check Orders

Truist One Checking Level 1

Truist One Checking Level 2

Truist One Checking Levels 3, 4, and Premier

Free 10 Pack

Free 10 Pack and 50% off Re-orders

Free 10 Pack and Free Re-orders

Fees for statements with check images

Check Images with Statement1

Enhanced Check Images with Statement1

$4.00 per statement cycle (five (5) front and back images per page)

$5.00 per statement cycle (three (3) larger images per page) Overdraft Fees

Overdraft (OD) Fee2

Truist will limit total Overdraft Fees to three (3) per day. Truist will waive Overdraft Fees on transactions that are less than $5.

$36.00 per item, per occurrence

Note: This Fee does not apply to Truist One Checking, Truist One Savings, Truist One Money Market Account, Truist Confidence Account, Truist Confidence Savings, Secured Credit Card Savings, Truist Wealth Checking, or Truist Wealth Money Market Account Overdraft Protection

Overdraft Protection Transfer

• For all accounts linked to a checking, savings, money market account, credit card or line of credit, the amount transferred is the exact amount of the overdraft (based on balance availability).

• For accounts linked to a line of credit or credit card, funds advanced for Overdraft Protection are subject to fees and finance charges under your line of credit or credit card agreement. Please see your agreement for more information. No Overdraft Protection Transfer fee

Other Account-Related Fees Returned Deposited Item / Cashed Item Fee 4

Stop Payment Fee3 $35.00 each Domestic Item $12.00 per item Screen Print Statement Fee $5.00 per statement International Item $30.00 per item plus Foreign Bank Fees Closed Account Processing Special Mail Handling

Charged-Off Account Fee $30.00

Note: This Fee does not apply to the Truist

Confidence Account and Truist Confidence Savings.

Hold Mail (branch pickup) $5.00 per month

Duplicate Statement Fee $3.00 per month

Returned Mail (Undeliverable mail) $5.00 per occurrence 1 Check Images and Enhanced Check Images with Statement: This fee will be waived for Truist Wealth Checking and Asset Management Accounts. Note: Truist Confidence Account and Truist Confidence Savings Account are not eligible for Image statements.

2 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. 3 Stop Payment Fee: There is no Stop Payment Fee for Truist Wealth Checking accounts. 4 Returned Deposited Item / Cashed Item Fee: This fee will be charged when a Check or other items are returned to a depositor because it could not be processed by the paying bank. Personal Deposit Accounts Fee Schedule

MISCELLANEOUS SERVICES AND FEES

RESEARCH SERVICES

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Truist Bank, Member FDIC. ©2023 Truist Financial Corporation. Truist and the Truist logo are service marks of Truist Financial Corporation. Photocopy

Account Research Services1 $25.00 per hour

Statement Reprint Fee2 $5.00 per copy

Interim Statement2 $5.00 per copy

Check Copy Fee2 $5.00 per copy

Bonds

Returned Bond / Coupons $35.00 per envelope

Bond Redemption $20.00

Coupon Collection $10.00

Domestic Collections

Outgoing Collections3 $25.00

Check Collection4 $25.00

Returned Item (Domestic Collections) $22.00 per item plus $25.00 courier fee International Collections

Foreign Check Collection $75.00 per item plus Foreign Bank Fees Foreign Check Returned Item $30.00 per item plus Foreign Bank Fees Tracers/Telex Inquiries $20.00 per inquiry

Verification

Account Verification Fees1 $30.00 standard processing 1 No charge f or Account Research Services and Account Verification for Truist Wealth Checking accounts. 2 Fee is charged for each statement or copy of individual items requested such as a check or deposit slip. No charge for Truist Wealth or Truist Wealth Money Market accounts. 3 Outgoing Collections: There is no charge on bonds, oil and gas leases or dealer drafts. 4 Check collection items are charged the $25 courier fee when the bank is required to mail via FedEx, or the item exceeds $100,000. TRUIST MONEY SERVICES

Check Cashing

Truist will assess an $8 fee ($0 for NJ) for cashing a Truist check for any non-Truist client or Truist client without a checking (including Truist Confidence Account), savings or money market account. This fee will not be assessed if the face value of the check is $50 or less. Truist Premier and Wealth clients are excluded from this fee. Truist will not cash non-Truist checks from non-clients unless the check is on the check cashing agreement list. Personal Deposit Accounts Fee Schedule

MISCELLANEOUS SERVICES AND FEES

WIRE TRANSFER SERVICES

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Truist Bank, Member FDIC. ©2023 Truist Financial Corporation. Truist and the Truist logo are service marks of Truist Financial Corporation. Incoming/Outgoing

Incoming Domestic1 $15.00 per transfer

Incoming International1, 2 $20.00 per transfer

Outgoing Domestic3 $30.00 per transfer

Outgoing International3 $65.00 per transfer

Funds Transfer $5.00 per transfer

Wire Transfer Notification

Mail (Hard copy confirmation) $7.00

Wire Repair $10.00

Wire Investigations $25.00

1 Incoming Domestic and International Wires: No fee for incoming domestic and incoming international wires for Truist Wealth Checking, Truist Wealth Money Market Account, and Truist Asset Management Account. Truist One Checking account receives one no-fee incoming domestic wire, one no-fee incoming international wire, or one no-fee funds transfer 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. For more information about these fees, please contact us at 844-***-****. 2 Incoming International Wires: Intermediary financial institutions may deduct additional fees from incoming international wires, reducing the amount of proceeds credited to your account. Fees may vary. For more information about these fees, please contact us at 844-***-****. 3 Outgoing Domestic and International Wires: No fee for outgoing domestic and outgoing international wires for Truist Wealth Checking and Truist Wealth Money Market accounts. Note: If transactions are in a currency other than U.S. dollars, the exchange rate for the transaction currency used by Truist for processing such foreign transactions is either (a) a rate selected by Truist from the range of rates available in wholesale currency markets for the applicable transaction processing date, which may vary from the rate Truist itself receives or (b) the government mandated rate in effect for the applicable transaction processing date, increased by up to three percent (3%). If a credit is subsequently given for a transaction, it will be decreased by up to three percent (3%). If the credit has a different transaction processing date, then the exchange rate of the credit can be greater/less than that of the original transaction. The currency conversion rate on the day before the transaction processing date may differ from the rate in effect at the time of the transaction or on the date the transaction is posted on the account. The converted amount shall be provided in U.S. dollars for deposit in your Truist account. MISCELLANEOUS SERVICES

Official Check4 $10.00 per item

Money Order4 $5.00 per item

International Bank Draft $30.00 per item

Temporary Checks (for select branches) $4.00 for four checks (a minimum of four checks is required) Legal Process (IRS levy, state levy or writ of garnishment) $125.00 per notice (or maximum amount allowed under the law, whichever is less)

4 Official checks and Money Order: There is no charge for Truist Wealth Checking accounts and Health Savings Accounts. Truist Asset Management and Truist One Checking accounts are entitled to one no-fee official check and one no-fee money order per statement cycle.

Personal Deposit Accounts Fee Schedule

Truist Bank, Member FDIC. ©2023 Truist Financial Corporation. Truist and the Truist logo are service marks of Truist Financial Corporation. R-FS-2.0 Effective 02/03/2023 7

ELECTRONIC BANKING SERVICES

TRUIST DEBIT CARD AND AUTOMATED TELLER MACHINES (ATM) FEES Withdrawal, balance inquiry or transfer No fee when using a Truist ATM Replacement Card - Rush Fee $30 (Temporary cards cannot be rushed); there is no charge for the replacement card that is sent via Regular Mail. Note: This fee is $15 for Truist Confidence Account and Truist Confidence Savings Account

TRUIST DEBIT CARDS AND AUTOMATED TELLER MACHINES (ATM) ADDITIONAL INFORMATION ATM Card2,9 Debit3,9 Wealth / AMA Debit6 Delta SkyMiles® Debit Card7 Non-Truist ATM Fee1 $3.00 per transaction $3.00 per transaction4,5 No Fee $3.00 per transaction5,8 Non-Truist International ATM Fee1 $5.00 per transaction $5.00 per transaction No Fee $5.00 per transaction8 International Point of Sale (POS),

ATM and Cash Advance; International

Service Assessment Fee1

3% POS and 3% ATM 3% POS and 3% ATM 3% POS and 3% ATM for AMA; No Fee for Truist Wealth

3% POS and 3% ATM

Daily Withdrawal Limit $500 $500 Truist One Checking Levels 1 & 2 and all other

accounts

$2,500 Truist One Checking

Levels 3, 4, & Premier

$2,000 Truist AMA

$3,000 Truist Wealth

$500 Truist One Checking Levels 1 & 2

$2,500 Truist One Checking Levels 3, 4, &

Premier, Wealth Checking and AMA

Daily Point of Sale Limit $3,000 $3,000 $10,000 Truist AMA

$25,000 Truist Wealth

$3,000 Truist One Checking

$35,000 Truist Wealth and AMA

Note: 1.) Truist reserves the right (either directly or through processors) to provide new debit card numbers (issued due to replacement/lost/stolen/natural expiration) to merchants you have authorized to utilize your current debit card account f or recurring transactions. 2.) Temporary Debit Cards are issued at the branch with the same limits and waivers as the permanent Debit Card. 1 The non-Truist ATM transaction fee is charged per withdrawal, balance inquiry or transfer when using a non-Truist ATM. 2 These limits apply to an ATM card added to any personal savings account. An ATM card may also be added, upon request, to a personal checking account and in lieu of a debit card, and then follows the applicable checking account limits.

3 The Truist Debit card can be added to the following accounts: Truist One Checking, Truist One Money Market and Truist Confidence Accounts. 4 Truist Confidence Account and Truist Confidence Savings non-Truist ATM fee is $2.50 per transaction; Truist Confidence Account and Truist Confidence Savings non-Truist ATM fee for balance inquiries is $1.00 per inquiry. 5 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. 6 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. 7 Delta SkyMiles® Debit Card can be added to Truist One Checking, Truist Wealth Checking and Truist AMA accounts. 8 No Non-Truist ATM Fee or Non-Truist International ATM fee for Truist Wealth Checking and Truist AMA accounts. 9 Secured Credit Card Savings is not eligible to be used with either Truist Debit or Truist ATM Cards. Note: If the card (including ATM and debit cards) is used for transactions in a currency other than U.S. dollars, the exchange rate between the transaction currency and the billing currency used by VISA® for processing such foreign transactions is either (a) a rate selected by VISA® from the range of rates available in wholesale currency markets for the applicable transaction processing date, which rate may vary from the rate VISA® itself receives or (b) the government mandated rate in effect for the applicable transaction processing date, increased by up to three percent (3%). If a credit is subsequently given for a transaction, it will be decreased by up to three percent (3%). If the credit has a different transaction processing date, then the exchange rate of the credit can be greater/less than that of the original transaction. The currency conversion rate on the day before the transaction processing date may differ from the rate in effect at the time of the transaction or on the date the transaction is posted on the account. Wealth Checking accounts are exempt from the 3% fee. AMA Checking accounts are subject to the 3% fee. The converted amount shall be provided in U.S. dollars. Plus and Interlink are VISA® network brands and transactions processed on these networks are also subject to rates detailed above. DELTA SKYMILES® DEBIT CARD ANNUAL FEE

The Delta SkyMiles® Debit Card annual fee is charged 45 days after the open date of the card. For Truist One 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 include 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 One Checking we will use the highest average monthly ledger balance of the 3 most previous months to determine your annual fee. Annual fee levels for Truist One Checking are defined as follows: Level 1 & 2) highest 3-month average ledger balance of less than $25,000 is charged an annual fee of $95; Level 3) highest 3-month average ledger balance of $25,000 and less than $50,000 is charged an annual fee of $75) Level 4) highest 3-month average ledger balance of $50,000 and less than $100,000 is charged an annual fee of $50; Level 5) 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 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.

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