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Bank Services Agreement and Privacy Notice

Bank Services Agreement and Privacy NoticeTABLE OF CONTENTSA. Legal Agreement ..1B. Arbitration Agreement ..1C Jury Trial Waiver ..5D. Litigation Class Action Waiver ..5E. Account Opening ..5F. Account Types ..7 1. Individual ..9 2. Joint ..9 3. Payable on Death ..9 4. Uniform Transfers to Minors ..10 5. Fiduciary ..10 6. Written Trust ..10 7. Personal Agency ..10 8. New Jersey Account Notice ..10G. Account Rules ..11 1. Statements ..11 2. Deposits and Credits ..11 3. Withdrawals and Debits ..13 4. Fraud and Unauthorized Transactions ..20 5. Bank s Stipulations/Right to Close Account ..22 6. Right to Freeze Account.

The notice may explain what change has occurred and may instruct you to obtain a current version of the Agreement at your local branch or online at our website, www.Truist.com. Unless otherwise prohibited or required by applicable law or regulation, the Bank may change from time to time other provisions of this Agreement with or without notice.

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