Florida Banking February 2024

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, LLC., 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, LLC. Life insurance products are offered through Truist Life Insurance Services, a division of Crump Life Insurance Services, LLC., AR license #100103477. Both McGriff and Crump are wholly owned subsidiaries of Truist Insurance Holdings, Inc. “Truist Advisors” may be officers and/or associated persons of the following affiliates of Truist Financial Corporation: Truist

Bank, our commercial bank, which provides banking, trust and asset management services; Truist Investment Services, Inc., which provides securities, annuities and life insurance products; Truist Advisory Services, Inc., which provides Investment Advisory services. Truist Investment Services, Inc. officers, employees, agents and/or affiliates may have positions in securities, options, rights, or warrants mentioned or discussed in this material. The views and opinions expressed are for informational and educational purposes only as of the date of writing and may change at any time based on market or other conditions and may not come to pass. This material is not intended to be relied upon as investment advice or recommendations, does not constitute a solicitation to buy or sell securities and should not be considered specific legal, investment or tax advice. The information provided does not take into account the specific objectives, financial situation, or particular needs of any specific person. All investments carry a certain degree of risk and there is no assurance that an investment will provide positive performance over any period of time. Therefore, past performance is no guarantee of future results. Comments regarding tax implications are informational only. Truist and its representatives do not provide tax or legal advice. You should consult your individual tax or legal professional before taking any action that may have tax or legal consequences. Truist Bank is an Equal Housing Lender. © 2024 Truist Financial Corporation. TRUIST, the Truist logo, and Truist purple are service marks of Truist Financial Corporation.

Julie Farah is a senior GenSpring region trust advisor with Truist Wealth. She offers clients more than 26 years of experience with trusts and estates as an attorney and as a trust advisor, and nine years of prior accounting experience. Julie helps clients manage their wealth and achieve their goals by identifying wealth planning opportunities involving trusts, insurance, and tax-driven and asset-protection entity structures. She develops and oversees the implementation of comprehensive financial and estate plans. Julie holds a bachelor’s of business administration in accounting, a doctorate of jurisprudence, and a master’s of laws in taxation. She is the current chair of future planning and immediate past treasurer for The League Club of Naples. MEET JULIE FARAH

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