Truist Financial Corp美股招股说明书(2026-04-21版)

This pricing supplement supplements the terms and conditions in the prospectus, dated January19, 2024, as supplemented by the prospectus supplement, dated January19, 2024(together, the “prospectus supplement”), and should be read together with the prospectus supplement and the prospectus for additional information about the offering and sale of$1,000,000,000aggregate principal amount of 4.680% Fixed-to-Floating Rate Senior Notes due April23, 2032 (the “Notes”) of Truist Financial Corporation (“Truist” or the “Company”).Terms used but not defined herein shall have the respective meanings set forth in the prospectus supplement. Fixed-to-Floating Rate Senior Notes Key TermsCUSIP / ISIN Nos. SeriesForm of NotePrincipal AmountTrade DateIssue DateStated MaturityReset DateDistributionAuthorized DenominationsIssuePrice(DollarAmountandPercentage of PrincipalAmount)Net Proceeds (Before Expenses) to the CompanyInterest Rate (and, if applicable, related Interest Periods) 89788MAX0 / US89788MAX02Series I (Senior)Book-Entry$1,000,000,000April20, 2026April23, 2026 (T+3)April23, 2032April23, 2031Underwritten basis$2,000 and integral multiples of $1,000 in excess thereof ☒SOFR Note (during the floating rate period)☒Compounded SOFR Note with Observation PeriodShift☐Compounded SOFR Index Note with Observation PeriodShift☐SONIA Rate Note☐Compounded SONIA Rate Note with ObservationShift Convention☐Compounded SONIA Rate Note with ObservationLookback Convention☐Compounded SONIA Index Note with CompoundedIndex Convention☐Treasury Rate Note☐Zero Coupon Note☐Other Base Rate: ☒Fixed Rate Note (during the fixed rate period)☐CMT Rate Note☐Reuters Page FRBCMT☐Reuters Page FEDCMT☐One-Week☐One-Month☐Commercial Paper Rate Note☐CORRA Note☐EURIBOR Note☐Federal Funds Rate Note☐(effective)☐(open)☐(target)☐Prime Rate Note Fixed Rate PeriodFloating Rate PeriodFixed Interest RateFloating Interest Rate The period from, and including, the Issue Date to, but excluding, the Reset Date. The period from, and including the Reset Date to, but excluding, the Stated Maturity. During the fixed rate period, 4.680% per annum payable in arrears for each semi-annual Interest Period.During the floating rate period, the Base Rate as determined on the applicable Interest Determination Date plus the Spread perannum payable in arrears for each quarterly Interest Period.Compounded SOFR with Observation Period Shift determined for each quarterly Interest Period during the floating rate period in Base Rate accordance with the specific formula and provisions described under“Description of Notes—Floating Rate Notes—Base Rates—SOFR”in the accompanying prospectus supplement. SpreadSpread MultiplierIndex SourceIndex MaturityInterest Periods +108.7 basis points Not applicable As published by SOFR administrator DailyWith respect to the fixed rate period, each semi-annual period from, and including, an Interest Payment Date (or, in the case of thefirst Interest Period during the fixed rate period, the Issue Date) to, but excluding, the next Interest Payment Date (or, in the caseof the final Interest Period during the fixed rate period, the Reset Date).With respect to the floating rate period, each quarterly period from, and including, an Interest Payment Date (or, in the case of thefirst Interest Period during the floating rate period, the Reset Date) to, but excluding, the next Interest Payment Date (or, in thecase of the final Interest Period during the floating rate period, the Stated Maturity or earlier Redemption Date). With respect to the fixed rate period, April23 and October23 of each year, commencing on October 23, 2026 and ending on theReset Date.With respect to the floating rate period, January 23, April 23, July23 and October23 of each year, commencing on July 23, 2031 and ending on the Stated Maturity. With respect to each Interest Period during the floating rate period, the date two U.S. Government Securities Business Dayspreceding the applicable Interest Payment Date or redemption date, as applicable. With respect to each Interest Period during the floating rate period, the period from, and including, the date two U.S. GovernmentSecurities Business Days preceding the first date in such Interest Period to, but excluding, the date two U.S. GovernmentSecurities Business Days preceding the Interest Payment Date for such Interest Period, or redemption date, as applicable. Maximum rate permitted by New York law At any time after the date that is 180 days after the Issue Date (or, if additional notes are issued, after the date that is 180 daysafter the Issue Date of such additional notes) and prior to the Reset Date (one year prior to the Stated Maturity), the Companymay redeem the Notes at its option, in whole or in part, at any time and from time to time, at the Make-Whole Redemption Priceas described under“Description of Notes—Redemption—Optional Make-Whole Redemption”in the accompanying prospectussupplement. Notice of any redemption will be p