Company Announces Completion of Transactions Regarding its Holdings in Common Stock of The Coca-Cola Company Resulting in an Increase in Regulatory Capital

ATLANTA, July 22, 2008 /PRNewswire-FirstCall via COMTEX News Network/ -- SunTrust Banks, Inc.
(NYSE: STI) today reported net income available to common shareholders of
$535.3 million for the second quarter of 2008, or $1.53 per average common
diluted share, compared to $673.9 million, or $1.89 per average common diluted
share, in the second quarter of 2007. The results for the second quarter of
2008 included a number of gains and losses that were unrelated to the
Company's core performance, the largest of which was the sale of 10 million
shares of The Coca-Cola Company ("Coke") common stock. The aggregate net
earnings impact of these items was an increase of $0.75 per average diluted
common share. The second quarter of 2007 results included a gain on the sale
of 4.5 million shares of Coke common stock, the net impact of which was $0.41
per average common diluted share.

The Company recently completed three separate transactions to optimize its
long-term holdings of Coke common stock. Collectively, these transactions are
estimated to have increased Tier 1 capital by 68 basis points. Further, one
of the transactions involved a charitable contribution that will allow the
legacy of The Coca-Cola Company and SunTrust relationship to benefit
communities for years to come.

"Our capital position solidified during the quarter as a result of the
Coke stock-related transactions which make SunTrust even better prepared to
address the challenges of the current environment, as well as strengthen our
position for the long-term," said James M. Wells III, Chairman, President and
Chief Executive Officer. "Against a backdrop of economic weakness,
deteriorating market conditions, and industry-wide volatility, our second
quarter results reflect the Company's intense focus on managing our core
business, balance sheet, and credit risk through this difficult cycle."

During the quarter, the Company grew loans and deposits, expanded net
interest margin, and improved certain fee income categories. Further, tightly
managed growth of core operating expenses reflected the continuing success of
SunTrust's ongoing program to improve efficiency and productivity, although
expenses continue to be pressured by credit-related costs. Additionally, the
Company successfully reduced its risk profile during the second quarter by
shedding an additional 50% of its higher-risk trading securities acquired from
certain affiliated companies during the fourth quarter of 2007, bringing its
exposure to these securities to less than $800 million.

Mr. Wells noted that the high costs of credit continued to take a toll on
earnings, though at a slower pace than the prior quarter. Given the
strengthened capital position, core earnings performance, and recent credit
trends, Mr. Wells reiterated that the Company does not have any current plans
to modify the dividend or issue additional shares of common stock.

Coke Common Stock Transactions

During the second and third quarters of 2008, the Company completed three
transactions to optimize the regulatory capital contribution of its long-term
holdings of Coke common stock:

-- In June, the Company sold 10 million shares of Coke stock, which
strengthened its estimated Tier 1 capital position by 20 basis points.

-- The Company received Federal Reserve approval, and in July completed a
Tier 1 transaction involving 30 million shares of Coke stock generating 44
basis points in proforma June 30, 2008 additional Tier 1 capital.

-- Lastly, in July the Company contributed 3.6 million shares of Coke
common stock to its charitable foundation which will reduce ongoing charitable
contribution expense and increase Tier 1 capital by 4 basis points.

As a result of the Coke stock transactions completed in July, the
Company's estimated Tier 1 capital position of 7.47% as of June 30, 2008 would
have increased to an estimated 7.95% at June 30, 2008 on a proforma basis.

"It is timely to reiterate that the impetus for the transactions announced
today was exclusively related to SunTrust's own capital optimization goals,"
noted Mr. Wells. "We retain the highest degree of institutional respect for
The Coca-Cola Company as one of the world's leading companies with whom
SunTrust has enjoyed a long, positive, and productive relationship. We are
particularly pleased that one legacy of our Coke stock holdings is support for
our future charitable giving and community commitment."

Credit

The Company's net charge-offs and certain other key credit metrics
continued to deteriorate in the second quarter, though at a slower place than
the prior quarter. Overall, credit metrics remain elevated, principally as a
result of loans secured by real estate. Net charge-offs increased 8.6% from
the first quarter, which equated to an annualized 104 basis points of average
loans. Provision expense declined from the first quarter of 2008, as the
slowing pace of credit deterioration necessitated a smaller increase in the
reserve. Total provision expense was $448.0 million, as compared to $560.0
million in the first quarter of 2008 and $104.7 million in the second quarter
of 2007. The allowance for loan losses increased to $1,829.4 million, or
1.46% of total loans outstanding, which is up 41 basis points from the end of
2007 and 21 basis points from the first quarter of 2008.

    Second Quarter 2008 Consolidated Highlights

                                                     2nd      2nd
                                                   Quarter  Quarter     %
                                                     2008     2007    Change

    Income Statement
    (Dollars in millions, except per share data)
    Net income available to common shareholders     $535.3    $673.9   (20.6)%
    Net income per average common diluted share       1.53      1.89   (19.0)%
    Revenue - fully taxable-equivalent             2,598.0   2,374.6     9.4%
    Net interest income - fully taxable equivalent 1,185.0   1,220.0    (2.9)%
    Provision for loan losses                        448.0     104.7   328.0%
    Noninterest income                             1,413.0   1,154.6    22.4%
    Noninterest expense                            1,378.5   1,251.2    10.2%
    Net interest margin                               3.13%     3.10%
    Efficiency ratio                                 53.06%    52.69%

    Balance Sheet
    (Dollars in billions)
    Average loans                                   $125.2    $118.2     5.9%
    Average consumer and commercial deposits         101.7      97.9     3.9%

    Capital
    Tier 1 capital ratio (1)                          7.47%     7.49%
    Total average shareholders' equity to total
     average assets                                  10.31%     9.96%
    Tangible equity to tangible assets                6.23%     5.85%

    Asset Quality
    Net charge-offs to average loans (annualized)     1.04%     0.30%
    Nonperforming loans to total loans                2.22%     0.64%

    (1) Current period Tier 1 capital ratio is estimated as of the earnings
        release date.

-- Net income available to common shareholders decreased 20.6% and net
income per average common diluted share decreased 19.0% from the second
quarter of 2007 primarily due to higher provision for loan losses, higher
credit-related expenses, impairment of a customer intangible asset, and
valuation losses on publicly-traded debt and related hedges carried at fair
value. These items were partially offset by the gain on sale of Coke common
stock and the sale of a non-strategic operating subsidiary.

-- The second quarter of 2008 results included a number of gains and
losses that were unrelated to the Company's core performance. Items that
positively impacted results included the sale of 10 million shares of Coke
common stock which contributed $0.99 and a gain on the sale of First
Mercantile Trust which contributed $0.05 to diluted earnings per share. Items
that negatively impacted results included mark-to-market losses on the
Company's debt which had a ($0.17) impact, impairment of an intangible asset
which had a ($0.08) impact, Coke stock transaction costs which had a ($0.02)
impact, and costs associated with the Company's E2 Efficiency and Productivity
Program which had a ($0.02) impact on diluted earnings per share.

-- Fully taxable-equivalent revenue increased 9.4% compared to the second
quarter of 2007, as securities gains and fee income more than offset a decline
in net interest income, trading account income due to valuation losses on the
publicly-traded debt and related hedges carried at fair value, and mortgage-
related income. Excluding net securities gains, total revenue decreased 4.2%.

-- Fully taxable-equivalent net interest income declined 2.9% from the
second quarter of 2007, despite a three basis point improvement in margin, as
earning assets declined 3.2%. Both the increase in margin and the decrease in
earning assets were the result of balance sheet management strategies executed
over the past year.

-- Noninterest income increased 22.4% from the second quarter of 2007,
driven by incremental securities gains, double digit growth in service charges
on deposit accounts and card fees, partially offset by a decline in trading
profits and commissions related to valuation losses on the publicly-traded
debt and related hedges, and mortgage-related income.

-- Noninterest expense increased 10.2% from the second quarter of 2007.
However, core expense growth remained well controlled as a result of the
Company's efficiency and productivity efforts. Noninterest expense would have
declined if not for higher credit-related expenses and the impairment charge
related to a customer intangible asset.

-- Total average loans increased 5.9% from the second quarter of 2007
principally due to growth in the commercial loan portfolio. Average loans
held for sale declined 61.7%, as loan originations declined 48%, production
shifted to predominantly agency products, and efficiency improved in loan
delivery. Average consumer and commercial deposits increased 3.9% over the
second quarter of 2007. The increase in average consumer and commercial
deposits was driven mainly by growth in NOW and money market account balances.

-- The estimated Tier 1 capital, total average shareholders' equity to
total average assets, and tangible equity to tangible asset ratios were 7.47%,
10.31%, and 6.23%, respectively. These results do not reflect the entire
impact of our completed capital optimization initiative related to our Coke
holdings. The Coke stock transactions that were completed in July 2008 would
have increased Tier 1 capital by approximately 48 basis points had they been
completed during the second quarter of 2008.

-- Annualized net charge-offs were 1.04% of average loans for the second
quarter of 2008, up from 0.30% in the second quarter of 2007 and 0.97% in the
first quarter of 2008. The increase reflects deterioration in consumer
credit, particularly in residential real estate secured loans.

-- Nonperforming loans to total loans increased to 2.22 % as of June 30,
2008, from 1.67% as of March 31, 2008 and 0.64% as of June 30, 2007, due
mainly to increased levels of residential real estate secured loans and
residential real estate construction loans.

CONSOLIDATED FINANCIAL PERFORMANCE

Revenue

Fully taxable-equivalent revenue was $2,598.0 million for the second
quarter of 2008, an increase of 9.4% compared to the second quarter of 2007,
driven by the incremental net securities gains primarily related to gains on
the sale of the Coke stock and fee income. These growth items were partially
offset by a 2.9% decline in net interest income and valuation losses related
to our publicly-traded debt and related hedges carried at fair value.
Excluding net securities gains, total revenue decreased 4.2%.

For the six months, fully taxable-equivalent revenue was $4,823.3 million,
up 8.6% over prior year. The increase was driven by incremental net
securities gains of $252.8 million, gains on the sale of non- strategic
businesses and the sale/leaseback of certain corporate real estate properties,
the Visa IPO gain, and fee income, partially offset by lower net interest
income and net mark to market valuation losses on trading assets and publicly-
traded debt recorded at fair value.

Net Interest Income

Fully taxable-equivalent net interest income was $1,185.0 million in the
second quarter of 2008, a decrease of 2.9% from the second quarter of 2007,
despite a three basis point improvement in net interest margin. Earning
assets declined $5.1 billion, or 3.2%, primarily due to a reduction in
interest earning trading assets and loans held for sale, partially offset by
growth in commercial loans. The increase in net interest margin and the
decrease in trading assets were the result of balance sheet management
strategies initiated in 2007. On a sequential quarter basis, net interest
margin increased six basis points, as the decline in funding costs exceeded
the decline in asset yields.

For the six months, fully taxable-equivalent net interest income was
$2,352.8 million, a decline of 2.3% from 2007. However, net interest margin
improved four basis points as balance sheet management strategies executed in
2007 led to a $5.8 billion decline in average earning assets, namely loans
held for sale and interest bearing trading assets, which was partially offset
by growth in commercial loans.

Noninterest Income

Total noninterest income was $1,413.0 million for the second quarter of
2008, up $258.4 million, or 22.4%, from the second quarter of 2007. The
second quarter of 2008 included the gain on the sale of Coke stock of $548.8
million and a $29.6 million gain on the sale of First Mercantile Trust, a
retirement plan services subsidiary, as compared to the second quarter of
2007, which included a gain on the sale of Coke stock of $234.8 million and a
$23.4 million gain generated from a private equity transaction.

During the quarter, the Company recorded approximately $102.6 million in
market valuation losses in trading account profits and commissions related
primarily to the Company's publicly-traded debt and related hedges carried at
fair value. These losses were related to the improvement in the credit spread
on the Company's public debt. Also, contributing to the decline in trading
accounts profits and commissions were costs associated with derivative
contracts executed in connection with the Coke transaction. Partially
offsetting these valuation related losses was an improvement in fixed income
trading revenue relative to prior year. The second quarter of 2007 also
included market value adjustments on financial assets and liabilities carried
at fair value.

Mortgage production income was $63.5 million in the second quarter of 2008
as compared to $64.3 million in the second quarter of 2007. Lower loan
production and related fees were offset by higher fee recognition due to the
elimination of the FAS 91 income deferral upon adoption of FAS 159 during the
second quarter of 2007. In addition, the Company recognized valuation losses
in the second quarter of 2007 on the Alt-A loans held in the warehouse.
Mortgage servicing related income in the second quarter of 2008 declined $13.0
million primarily due to an $11.7 million gain on the sale of mortgage
servicing rights during the second quarter of 2007.

In the second quarter of 2008, the Company experienced strong growth in
service charges on deposit accounts and card fees, which increased 17.0% and
14.6%, respectively, over the same period of 2007. Other income declined
$53.4 million year over year primarily due to gains on private equity
transactions and structured leasing transactions in 2007.

For the six months, total noninterest income was $2,470.5 million, $437.0
million or 21.5% over the $2,033.5 million earned for the same period of 2007.
The increase was largely due to the following transaction-related gains:

    -- $314.0 million incremental gain on the sale of Coke stock
    -- $57.1 million incremental gain on sale of Lighthouse interests
    -- $37.0 million gain on the sale/leaseback of corporate real estate
    -- $29.6 million gain on sale of First Mercantile Trust
    -- $86.3 million gain recorded on the Visa IPO

Partially offsetting these gains were securities losses recorded in the
first quarter of 2008 of $64.1 million in conjunction with available for sale
securities that were determined to be other than temporarily impaired, as well
as a decline in trading account profits and commissions primarily related to
valuation losses on trading assets that were acquired in late 2007, net of
valuation gains on publicly-traded debt and related hedges. In 2007, $81.0
million of trading gains were recognized related to financial assets and
liabilities that the Company elected to record at fair value in connection
with the adoption of FAS 159. Mortgage production income increased 167.8%
over the first six months of 2007 due to the earlier recognition of servicing
rights and origination fees in accordance with recently adopted accounting
standards partially offset by a decline in loan production. The prior period
also included $42.2 million of income reductions recorded in conjunction with
our election to record certain loans held for sale at fair value. Consistent
with the quarterly comparison, revenue from card fees and service charges on
deposit accounts experienced double digit growth over the same period of 2007,
while trust and investment management income declined primarily due to the
disposition of our interests in Lighthouse Investment Partners.

Noninterest Expense

Total noninterest expense in the second quarter of 2008 was $1,378.5
million, up $127.3 million, or 10.2%, from the second quarter of 2007, as
credit related expenses grew by $69.5 million and an impairment charge of
$45.0 million related to a customer intangible asset was recorded in the
second quarter of 2008. Core expenses were well controlled as a result of the
Company's E2 Efficiency and Productivity Program, which generated gross
savings of approximately $135 million for the quarter. The impairment charge
pertains to client relationships that were valued in 2004 in connection with
an acquisition. While the overall business has performed satisfactorily, the
attrition level of the legacy clients has recently increased resulting in the
acceleration of the amortization of this intangible asset. Personnel expenses
in the second quarter of 2008 increased $1.3 million, or 0.2%, from the same
period in 2007; however, personnel expenses would have declined taking into
account the impact related to loan origination costs that were deferred prior
to the Company's election during the second quarter of 2007 to record at fair
value certain newly-originated mortgage loans held for sale. Total personnel
declined from 33,241 as of June 30, 2007 to 31,602 as of June 30, 2008.
Compared to the first quarter of 2008, personnel expense declined $3.1 million
due a reduction in seasonal employee benefits expenses. The decrease was
offset by a $3.8 million increase in expenses from the acquisition of GB&T.
Other expenses increased in the second quarter of 2008, including a $69.5
million increase in credit-related expenses such as collection services,
valuation losses on other real estate owned, mortgage insurance reserves, and
mortgage fraud related losses. Of particular mention is the $25.0 million
increase in the mortgage insurance reserve which pertains to our mortgage
insurance guaranty subsidiary, Twin Rivers. Twin Rivers' loss exposure arises
from third-party mortgage insurers transferring a portion of their first loss
exposure when losses by mortgage origination year exceed certain thresholds.
We estimate losses in Twin Rivers to be in the range of $25 million to $50
million for each of the remaining two quarters of 2008, and our estimated
maximum exposure, net of premium income, to be less than $200 million with the
timing and ultimate amount of loss recognition being uncertain.

For the six months, total noninterest expense was $2,633.7 million, an
increase of $146.5 million, or 5.9%, over the same period in 2007. The
increase was primarily due to the same reasons related to the quarterly
increase. In addition, in 2008 the Company recorded a $39.1 million reduction
in the Visa litigation accrued liability following the Visa IPO. The
Company's E2 Efficiency and Productivity Program generated year-to-date gross
savings of approximately $248 million.

Balance Sheet

As of June 30, 2008, SunTrust had total assets of $177.4 billion.
Shareholders' equity of $17.9 billion as of June 30, 2008 represented 10.1% of
total assets. Book value and tangible book value per common share were $49.24
and $29.99 as of June 30, 2008, respectively.

Loans

Average loans for the second quarter of 2008 were $125.2 billion, up $7.0
billion, or 5.9%, from the second quarter of 2007. The increase was primarily
in commercial-related categories. Construction loans declined $2.2 billion
due to the Company's risk mitigation efforts and indirect auto loans declined
$626 million driven by SunTrust's de-emphasis of this product channel.
Average loans held for sale declined $8.3 billion, or 61.7%, as loan
originations declined 48%, production shifted to predominantly agency
products, and efficiency improved in loan delivery. Compared to the first
quarter of 2008, average loans were up $1.9 billion, or 6.3% on a sequential
annualized basis, driven by commercial loan growth and the acquisition of
GB&T.

Deposits

Average consumer and commercial deposits for the second quarter of 2008
were $101.7 billion, up $3.8 billion, or 3.9%, from the second quarter of
2007, as increases in NOW and money market deposits were partially offset by
declines in demand deposit and savings account balances. Average total
brokered and foreign deposits declined 37.2% from the second quarter of 2007,
as the Company deliberately reduced the size of its earning assets, thereby
enabling the reduction of higher cost funding sources and substantially
improving the Company's liquidity position. Compared to the first quarter of
2008, average consumer and commercial deposits increased $558.5 million, or
2.2% on a sequential annualized basis, with most of the growth in lower cost
deposit products unrelated to the GB&T acquisition.

Capital

The estimated Tier 1 capital, total average shareholders' equity to total
average assets, and tangible equity to tangible asset ratios at June 30, 2008,
were 7.47%, 10.31%, and 6.23%, respectively. Tier 1 capital decreased two
basis points compared to June 30, 2007, while the total average shareholders'
equity to total average assets and tangible equity to tangible asset ratios
increased 35 and 38 basis points, respectively. The sale of 10 million shares
of Coke common stock increased Tier 1 capital by 20 basis points. The
contribution of 3.6 million shares to the SunTrust Foundation and the
incremental Tier 1 capital transaction which were both completed in July 2008
would have increased Tier 1 capital by approximately 48 basis points had they
been completed in the second quarter, resulting in an estimated proforma Tier
1 capital ratio of 7.95% at June 30, 2008. These transactions are also
expected to increase the total capital ratio from an estimated 10.86% to
10.97%. The Company's regulatory capital ratios are significantly in excess
of the regulatory requirements for well capitalized status.

Asset Quality

Annualized net charge-offs in the second quarter of 2008 were 1.04% of
average loans, up from 0.30% in the second quarter of 2007 and 0.97% in the
first quarter of 2008. Net charge-offs were $323 million in the second
quarter of 2008, as compared to $88 million in the second quarter of 2007.
The increase in net charge-offs over the second quarter of 2007 reflects
deterioration in consumer credit, particularly in residential real estate
secured loans. The increase in net charge-offs in 2008 was most pronounced in
home equity and residential mortgages.

Nonperforming loans were $2,789 million, or 2.22%, of total loans as of
June 30, 2008, compared to $2,069 million, or 1.67%, of total loans as of
March 31, 2008, and $765 million, or 0.64%, of total loans, as of June 30,
2007. The increase in nonperforming loans was mainly due to an increase in
residential mortgage and real estate construction loans as the overall
weakening of the housing markets and economy continued to increase
delinquencies.

The allowance for loan and lease losses was $1,829 million as of June 30,
2008. The increase in the allowance for loan and lease losses was
attributable to the deterioration in certain segments of the consumer and
residential real estate market. The allowance for loan and lease losses as of
June 30, 2008 represented 1.46% of period-end total loans as compared to 1.05
% as of December 31, 2007. The allowance for loan and lease losses as of June
30, 2008 represented 72% of period-end nonperforming loans, the majority of
which were mortgages secured by residential real estate. Provision in excess
of net charge-offs was $125 million, adding approximately ten basis points to
the allowance, while the consolidation of GB&T accounted for the remaining
increase.

The Company continued to record provision for loan losses at elevated
levels in the second quarter of 2008, although it was down from the first
quarter of 2008, as charge-offs increased less than expected and slowing
deterioration in the portfolio necessitated a lower level of reserve building.

LINE OF BUSINESS FINANCIAL PERFORMANCE

The following discussion details results for SunTrust's four business
lines: Retail and Commercial Banking, Wholesale Banking, Mortgage, and Wealth
and Investment Management. In 2007, the Company had five business segments.
The segment reporting structure was adjusted to align with the recently
modified organizational structure that better aligns with serving clients'
needs.

All revenue is reported on a fully taxable-equivalent basis. For the
lines of business, results include net interest income which is computed using
matched-maturity funds transfer pricing. Further, provision for loan losses is
represented by net charge-offs.

SunTrust also reports results for Corporate Other and Treasury, which
includes the Treasury department as well as the residual expense associated
with operational and support expense allocations. This segment also includes
differences created between internal management accounting practices and
Generally Accepted Accounting Principles, certain matched-maturity funds
transfer pricing credits and charges, differences in loan loss provision
compared to net charge-offs, as well as equity and its related impact. GB&T
customer loans, customer deposits, the majority of the employees, among other
items, have been integrated within the business lines; however, the associated
goodwill has not been distributed and remains in Corporate Other and Treasury.

Retail and Commercial Banking

Three Months Ended June 30, 2008 vs. 2007

Retail and Commercial Banking net income for the second quarter of 2008
was $110.7 million, a decrease of $88.9 million, or 44.5%, compared to the
second quarter of 2007. This decrease was primarily the result of higher
provision expense due to home equity line net charge-offs and lower net
interest income related to deposit spreads, partially offset by higher
noninterest income.

Net interest income decreased $65.5 million, or 9.1%, driven by a shift in
the mix of deposits and the decline in interest rates, which compressed
spreads on deposits. Average deposit balances were relatively unchanged while
deposit spreads decreased 32 basis points, driving $63.8 million of the
decrease in net interest income. Average loan balances declined $70.3
million, or 0.1%, with the movement of the Middle Market clients to the
Wholesale Banking segment decreasing loans by $2.2 billion. The remaining loan
growth was driven by loans acquired in the GB&T acquisition, commercial loans,
equity lines, and student loans.

Provision for loan losses increased $125.9 million over the same period in
2007. The provision increase was most pronounced in home equity, indirect
auto and commercial loans (primarily commercial clients with annual revenues
of less then $5 million), reflecting the negative impact from the current
deterioration in certain segments of the consumer portfolio, primarily related
to the residential real estate market.

Total noninterest income increased $43.8 million, or 14.5%, from the
second quarter of 2007. This increase was driven primarily by a $28.2
million, or 16.2%, increase in service charges on deposit accounts from both
consumer and business accounts, primarily due to growth in number of accounts,
higher NSF rates and an increase in occurrences of NSF fees. Interchange fees
increased $7.9 million, or 15.5%, and ATM revenue increased $3.5 million, or
11.7%.

Total noninterest expense decreased $6.3 million, or 1.0%, from the first
quarter of 2007. The continuing positive impact of expense savings initiatives
was partially offset by higher credit related expenses and continued
investments in the branch distribution network.

Six Months Ended June 30, 2008 vs. 2007

Retail and Commercial Banking net income for the six months ended June 30,
2008 was $204.2 million, a decrease of $197.1 million, or 49.1%, compared to
the same period in 2007. This decrease was primarily the result of higher
provision expense due to home equity line net charge-offs and lower net
interest income related to deposit spreads, partially offset by higher
noninterest income.

Net interest income decreased $149.6 million, or 10.5%, driven by a
continued shift in deposit mix and decreased spreads as deposit competition
and the interest rate environment encouraged customers to migrate into higher
yielding interest bearing deposits. Average deposit balances were relatively
unchanged while deposit spreads decreased 38 basis points driving $151.8
million of the decrease in net interest income. Average loan balances
declined $333.2 million, or 0.7%, with the movement of the Middle Market
clients to the Wholesale Banking segment decreasing loans by $2.1 billion.
That decrease was partially offset by growth in commercial loans, equity
lines, and student loans.

Provision for loan losses increased $258.0 million over the same period in
2007. The provision increase was most pronounced in home equity, indirect,
and commercial loans (primarily commercial clients with annual revenues of
less then $5 million), reflecting the negative impact from the current
deterioration in certain segments of the consumer portfolio, primarily related
to the residential real estate market.

Total noninterest income increased $71.4 million, or 12.0%, over the same
period in 2007. This increase was driven primarily by a $47.1 million, or
13.8%, increase in service charges on deposit accounts from both consumer and
business accounts primarily due to growth in number of accounts, higher NSF
rates, and an increase in occurrences of NSF fees. Interchange fees increased
$14.8 million, or 15.2%, and ATM revenue increased $4.1 million, or 6.9%.

Total noninterest expense decreased $22.1 million, or 1.7%, from the same
period in 2007. The continuing positive impact of expense savings initiatives
was partially offset by higher credit-related expenses and continued
investments in the branch distribution network.

Wholesale Banking

Three Months Ended June 30, 2008 vs. 2007

Wholesale Banking net income for the second quarter of 2008 was $74.8
million, a decrease of $43.9 million, or 37.0%, compared to the prior year.
Reductions in private equity gains and declining balances in the residential
construction portfolio were the primary drivers of the decline.

Net interest income decreased $15.1 million, or 10.3%. While average loan
balances increased $4.9 billion, or 17.1%, the corresponding net interest
income declined $11.6 million, or 10.0%. The increase in loan balances
includes an approximate $2.2 billion impact from the migration of Middle
Market clients from the Commercial line of business to Wholesale Banking.
Loan balances increased approximately $2.7 billion, or 9.5%, in the remainder
of Wholesale Banking driven by growth in corporate banking partially offset by
declines in the residential builder portfolio. The decline in loan-related
net interest income is due to a shift in mix away from higher spread
construction loans to lower spread commercial loans and increased real estate
related nonaccrual loans. Total average deposits were up $4.4 billion, or
93.3%, primarily in higher cost corporate money market accounts. The
associated net interest income decreased $3.6 million driven by the decline in
interest rates, which compressed spreads on deposits, and by lower demand
deposits partially offset by the increase in higher cost corporate money
market balances.

Provision for loan losses was $11.0 million, a decrease of $4.6 million
from the same period in 2007. The decline resulted from lower charge-offs in
corporate banking, partially offset by higher residential builder-related
charge-offs.

Total noninterest income decreased $40.9 million, or 18.1%. Solid
performances in fixed income sales and trading, derivatives, tax-exempt, and
equity capital markets were masked by a reduction in private equity gains, the
largest of which was $23.4 million, as well as lower revenues from loan
syndications, bond originations, structured leasing, and asset securitization
activity.

Total noninterest expense increased $4.9 million, or 2.5%. The increase
was primarily driven by Middle Market which accounted for $6.7 million of the
increase. The remainder of Wholesale Banking expenses decreased $1.7 million,
or 0.9%, driven primarily by lower incentive-based compensation, personnel,
and discretionary expenses partially offset by higher Affordable Housing
related expenses and higher operating losses, other real estate and credit
services expenses.

Six Months Ended June 30, 2008 vs. 2007

Wholesale Banking net income for the six months ended June 30, 2008 was
$161.9 million, a decrease of $49.5 million, or 23.4%, compared to the same
period in 2007. Reductions in private equity gains and declining balances in
the residential construction portfolio were the primary drivers of the
decline.

Net interest income decreased $19.3 million, or 6.6%. Average loan
balances increased $4.0 billion, or 13.8%. Despite the growth, the
corresponding net interest income declined $10.7 million, or 4.6%. The
increase in loan balances includes an approximate $2.1 billion impact from the
migration of Middle Market clients from the Commercial line of business to
Wholesale Banking. Loan balances increased approximately $1.9 billion, or
6.7%, in the remainder of Wholesale Banking despite a $1.9 billion structured
asset sale of corporate loans at the end of the first quarter 2007. The loan
growth was driven by corporate banking partially offset by declines in the
residential builder portfolio. The decline in net interest income is due to a
shift in mix away from higher spread construction loans to lower spread
commercial loans and increased real estate related nonaccrual loans. Total
average deposits were up $4.1 billion, or 86.2%, primarily in higher cost
corporate money market accounts. The associated net interest income decreased
$6.2 million driven by the lower credit for funds on demand deposits partially
offset by the increase in higher cost corporate money market balances.

Provision for loan losses was $23.3 million, an increase of $4.9 million
from the same period in 2007, resulting from higher residential builder
related charge-offs partially offset by lower charge-offs in corporate
banking.

Total noninterest income decreased $36.0 million, or 9.1%. Solid
performances in fixed income sales and trading, derivatives, bonds and equity
capital markets were masked by a reduction in private equity gains, as well as
lower revenues from loan syndications, M&A activity, and a decrease in asset
securitization related transactions.

Total noninterest expense increased $14.4 million, or 3.7%. The transfer
of Middle Market accounted for $13.0 million of the increase. The remainder
of Wholesale Banking's expense increased $1.4 million or 0.4%, driven
primarily by higher Affordable Housing related expenses and outside processing
expenses, partially offset by lower discretionary, personnel and shared
corporate expenses.

Mortgage

Three Months Ended June 30, 2008 vs. 2007

Mortgage reported a net loss of $91.1 million for the second quarter of
2008, a decrease of $132.6 million compared with the second quarter of 2007.
The decline was principally due to credit-related costs and lower servicing
income.

Net interest income decreased $10.7 million, or 8.0%. Average loans
increased $2.3 billion, or 7.7%; however, the resulting net interest income
declined $12.9 million principally due to increased residential real estate
nonaccrual loans. Nonaccrual loans increased $1.1 billion resulting in a
decrease of $10.8 million in net interest income. Also contributing to the
net interest income decline was a lower funds credit for other liabilities of
$6.1 million and a higher funds charge for other assets of $4.8 million.
Partially offsetting the declines was an $11.5 million increase in net
interest income from mortgage-backed securities and higher income from loans
held for sale of $5.2 million. Loans held for sale balances declined $8.3
billion but income was up due to wider spreads.

Provision for loan losses increased $115.0 million due to higher
residential mortgage and residential construction net charge-offs.

Total noninterest income decreased $28.3 million, or 20.7% primarily
driven by lower servicing income. Servicing income was down $32.7 million due
to MSR asset hedge costs, higher MSR amortization, and lower gains from the
sale of mortgage servicing rights offset by higher fee income due to a larger
servicing portfolio. Total loans serviced at June 30, 2008 were $158.8
billion compared with $150.5 billion at June 30, 2007. Loan production of
$9.3 billion was down $8.6 billion, or 48.0%, from second quarter 2007.
Production income, which was up $4.9 million compared to the second quarter of
2007, was affected by the election in second quarter 2007 to record certain
newly-originated mortgage loans held for sale at fair value under the
provisions of FAS 159. The election affected the timing of recognition of
origination fees and costs, as well as servicing value. Loan fees recorded in
production income were $31.2 million higher in second quarter 2008 due to the
recognition of fees that were deferred prior to the election, but were
partially offset by reduced income due to lower production.

Total noninterest expense increased $59.6 million, or 30.2%. Higher
origination expense of $31.6 million due to the May 2007 election of FAS 159
was partially offset by lower incentive expense of $28.5 million due to
reduced loan production. Reserves for mortgage reinsurance losses increased
$25.0 million and other real estate expense increased $17.0 million
principally due to additional write-downs for declining property values.
Additionally, operating losses increased $11.5 million, primarily driven by
borrower misrepresentation.

Six Months Ended June 30, 2008 vs. 2007

Mortgage reported a net loss for the six months ended June 30, 2008 of
$122.4 million, a decrease of $170.8 million compared to the same period in
2007. Increases in credit-related costs and lower servicing income drove the
decrease in net income.

Net interest income decreased $9.7 million, or 3.7%, from the comparable
period in 2007. Total loans increased $0.9 billion, or 3.1%; however, income
declined $28.3 million principally due to increased residential real estate
nonaccrual loans and lower income from residential construction loans.
Nonaccrual loans increased $1.0 billion resulting in a $20.4 million decrease
in net interest income. Also contributing to the net interest income decline
was a lower funds credit for other liabilities of $7.6 million and a higher
funds charge for other assets of $11.6 million. Partially offsetting the
decline was higher income from mortgage-backed securities of $20.0 million and
higher income from loans held for sale of $19.8 million due to wider spreads.

Provision for loan losses increased $203.0 million due to higher
residential mortgage and residential construction net charge-offs.

Total noninterest income increased $65.4 million, or 37.3%, principally
due to higher production income that was partially offset by lower servicing
income. Year-to-date loan production of $21.1 billion was down $11.7 billion,
or 35.7%, from 2007. Production income was up $109.3 million due to better
secondary marketing margins and increased loan fees of $69.5 million that were
deferred prior to the election of FAS 159 partially offset by lower income
resulting from lower production. Servicing income was down $38.6 million due
to higher MSR amortization, MSR asset hedge costs and lower gains from sales
of mortgage servicing rights. Higher fee income due to a larger servicing
portfolio partially offset the lower income.

Total noninterest expense increased $127.6 million, or 36.5%. Higher
origination expense of $66.1 million due to the May 2007 election of FAS 159
was partially offset by lower incentive expense of $36.8 million due to
reduced loan production. Reserves for mortgage reinsurance losses increased
$32.0 million and other real estate expense increased $26.6 million
principally due to additional write-downs for declining property values.
Additionally, operating losses increased $30.2 million, primarily driven by
borrower misrepresentation.

Wealth and Investment Management

Three Months Ended June 30, 2008 vs. 2007

Wealth and Investment Management's net income for the second quarter of
2008 was $43.7 million, a decrease of $10.2 million, or 18.9%. The decrease
was driven by a $27.9 million after-tax impairment charge on client based
intangibles due to a reduction in the estimated weighted average remaining
life of the client relationships. This adjustment was partially offset by an
$18.4 million after-tax gain on the sale of First Mercantile Trust. The
remaining net income was relatively flat compared to the second quarter of
2007, as lower noninterest income from the sales of First Mercantile Trust and
Lighthouse Partners was offset by lower noninterest expense.

Net interest income decreased $4.1 million, or 4.6%, primarily due to a
continued shift in deposit mix to higher cost deposits. Average deposits were
practically unchanged, as declines in demand deposit and savings accounts were
offset by an increase in higher-cost NOW accounts. This shift in deposit mix,
coupled with compressed spreads due to increased competition for deposits
resulted in a $3.8 million decrease in net interest income. Average loans
increased $174.9 million, or 2.2%. Commercial loans increased $212.0 million,
or 8.0%, partially offset by a $67.6 million, or 2.0%, decrease in consumer
loans. The change in mix from higher spread consumer loans to lower spreads
commercial loans resulted in a slight decline in loan interest income.

Provision for loan losses decreased $0.4 million primarily due to lower
commercial net charge-offs.

Total noninterest income increased $18.8 million, or 7.5%, mainly driven
by a $29.6 million gain on sale of First Mercantile Trust. This increase was
partially offset by a $9.1 million decline in noninterest income associated
with the sales of Lighthouse Partners and First Mercantile Trust. Retail
investment income increased $1.0 million, or 1.4%, due to strong annuity sales
and higher recurring managed account fees. Trust income decreased $6.9
million, or 4.2%, primarily due to the sale of Lighthouse Partners and First
Mercantile Trust. As of June 30, 2008, assets under management were
approximately $136.7 billion compared to $139.1 billion as of June 30, 2007.
Assets under management include individually managed assets, the RidgeWorth
Funds, institutional assets managed by RidgeWorth Capital Management, and
participant-directed retirement accounts. SunTrust's total assets under
advisement were approximately $230.5 billion, which includes $136.7 billion in
assets under management, $53.8 billion in non-managed trust assets, $37.9
billion in retail brokerage assets, and $2.1 billion in non-managed corporate
trust assets.

Total noninterest expense increased $33.6 million, or 13.5%, primarily due
to the $45.0 million impairment charge on a client based intangible asset.
Noninterest expense before intangible amortization was down $9.6 million, or
3.9%, compared to the second quarter of 2007 driven by lower staff and
discretionary expenses, as well as lower structural expense resulting from the
sales of Lighthouse Partners and First Mercantile Trust.

Six Months Ended June 30, 2008 vs. 2007

Wealth and Investment Management's net income for the six months ended
June 30, 2008 was $148.0 million, an increase of $26.1 million, or 21.4%, from
the prior year period. The following transactions represented $25.8 million
of the year-over-year increase:

-- $55.4 million increase due to the after-tax gain on sale of minority
interest in Lighthouse Investment Partners in the first quarter of 2008;

-- $18.4 million increase due to the after-tax gain on the sale of First
Mercantile Trust in the second quarter of 2008;

-- $27.9 million decrease due to the after-tax impairment charge on a
client based intangible asset incurred in the second quarter of 2008; and

-- $20.1 million decrease due to the after-tax gain resulting from the
sale upon merger of Lighthouse Partners into Lighthouse Investment Partners in
the first quarter of 2007.

Net interest income decreased $14.0 million, or 7.9%, primarily due to a
continued shift in deposit mix to higher cost deposits. Average deposits were
practically unchanged as declines in demand deposits and savings accounts were
offset by increases in higher-cost NOW and certificate of deposit balances.
This shift in deposit mix coupled with compressed spreads due to increased
competition for deposits resulted in an $11.6 million decrease in net interest
income. Average loans declined slightly as increases in commercial loans were
more than offset by declines in higher spread consumer loans resulting in a
$1.4 million decline in net interest income.

Provision for loan losses increased $3.7 million, as declines in
commercial lending net charge-offs were more than offset by higher home
equity, consumer direct, and consumer mortgage net charge-offs.

Total noninterest income increased $64.5 million, or 12.0%, compared to
the six months ended June 30, 2007 driven by a $29.6 million gain on the sale
of First Mercantile Trust and $35.2 million of incremental revenue from the
sale of our Lighthouse Partners investment. Retail investment income
increased $8.7 million, or 6.5%, due to strong annuity sales and higher
recurring managed account fees. Trust income decreased $20.6 million, or
6.1%, primarily due to the aforementioned sales of Lighthouse Partners and
First Mercantile Trust which resulted in a $24.4 million decline in trust
income.

Total noninterest expense increased $8.2 million, or 1.6%, due to the
$45.0 million impairment charge on the client based intangible. Noninterest
expense before intangible amortization declined $36.1 million, or 7.1%, driven
by lower staff, discretionary, and indirect expenses, as well as lower
structural expense resulting from the sales of Lighthouse Partners and First
Mercantile Trust.

Corporate Other and Treasury

Three Months Ended June 30, 2008 vs. 2007

Corporate Other and Treasury's net income for the second quarter of 2008
was $402.3 million, an increase of $134.5 million, or 50.2%, compared to the
second quarter of 2007. The increase was driven by an increase in securities
gains primarily related to the gain on sale of Coke stock offset by an
increase in provision expense.

Net interest income increased $60.4 million, or 44.9%, over the same
period in 2007 mainly due to interest rate risk management activities. Total
average assets decreased $5.6 billion, or 21.7%, mainly due to the reduction
in the size of the investment portfolio as part of the Company's overall
balance sheet management strategy. Total average deposits decreased $10.1
billion, or 41.4%, mainly due to a decrease in brokered and foreign deposits
as the Company reduced its reliance on wholesale funding sources.

Provision for loan losses, which predominantly represents the difference
between consolidated provision for loan losses and net charge-offs for the
lines of business, increased $107.5 million in conjunction with an increase in
the allowance for loan losses due to the further deterioration in the
residential real estate market and consumer credit quality.

Total noninterest income increased $264.9 million in the second quarter of
2008 compared to the same period in 2007. Securities gains increased $314.7
million primarily related to increased gains on the sale of Coke stock. This
increase was partially offset by a decrease of $67.9 million driven by net
negative valuations on trading securities and long-term debt, net of hedges,
carried at fair value. These net valuation losses are primarily due to the
impact of credit spread tightening on the Company's publicly-traded debt and
related hedges carried at fair value.

Total noninterest expense increased $35.5 million compared to the second
quarter of 2007. The increase in expenses was mainly due to increased
advertising costs due to the "My Cause" campaign, reduction in real estate
gains received in 2007, and an increase in expenses due to the GB&T
acquisition.

Six Months Ended June 30, 2008 vs. 2007

Corporate Other and Treasury's net income for the six months ended June
30, 2008 was $439.2 million, an increase of $19.5 million, or 4.6%, from the
same period in 2007. The increase was driven by an increase in securities
gains including gains on the sale of Coke stock offset by an increase in
provision expense.

Net interest income increased $137.3 million, or 55.8%, over the same
period in 2007 mainly due to interest rate risk management activities Total
average assets decreased $7.2 billion, or 25.1%, mainly due to the reduction
in the size of trading assets. Total average deposits decreased $10.8 billion,
or 42.1%, mainly due to a decrease in brokered and foreign deposits as the
Company reduced its reliance on wholesale funding sources.

Provision for loan losses, which predominantly represents the difference
between consolidated provision for loan losses and net charge-offs for the
lines of business, increased $377.4 million in conjunction with an increase in
the allowance for loan losses due to deterioration in the residential real
estate market and consumer credit quality.

Total noninterest income increased $271.7 million, or 82.3%, compared to
the same period in 2007. Securities gains increased $259.0 million primarily
related to $312 million in increased gains on the sale of Coke stock. In
addition, the Company realized an $86.3 million gain on its holdings of Visa
in connection with its initial public offering and an additional $37.0 million
gain from the sale/leaseback of real estate properties. These gains were
partially offset by a $53.3 million increase in securities losses during this
period primarily driven by market value impairment related primarily to
certain asset-backed securities that were classified as available for sale and
estimated to be other-than-temporarily impaired, triggering accounting
recognition of the unrealized loss in current period earnings. Noninterest
income also included an additional $58.7 million of net negative marks in 2008
versus $50.3 million of net positive marks on trading securities and long-term
debt carried at fair value. These mark-downs reflect the lack of liquidity in
the market for these securities, deterioration in the credit quality of the
underlying assets, and changes in the credit spread on our publicly-traded
debt carried at fair value.

Total noninterest expense increased $18.3 million from the same period in
2007. The increase in expense was mainly due to an increase of $16.8 million
in advertising costs due to the "My Cause" campaign, $10.7 million reduction
in real estate gains, and $10.2 million in increased acquisition expense
related to GB&T. These increases were partially offset by a $39.1 million
partial reversal of an accrual for Visa litigation.

Corresponding Financial Tables and Information

Investors are encouraged to review the foregoing summary and discussion of
SunTrust's earnings and financial condition in conjunction with the detailed
financial tables and information which SunTrust has also published today and
SunTrust's forthcoming quarterly report on Form 10-Q. Detailed financial
tables and other information are also available on the Company's Web site at
www.suntrust.com in the Investor Relations section located under "About
SunTrust." This information is also included in a current report on Form 8-K
furnished with the SEC today.

This news release contains certain non-US GAAP financial measures to
describe the Company's performance. The reconciliation of those measures to
the most directly comparable US GAAP financial measures, and the reasons why
SunTrust believes such financial measures may be useful to investors, can be
found in the financial information contained in the appendices of this news
release.

Conference Call

SunTrust management will host a conference call July 22, 2008, at 8:00
a.m. (Eastern Time) to discuss the earnings results and business trends.
Individuals may call in beginning at 7:45 a.m. (Eastern Time) by dialing
1-888-972-7805 (Passcode: 2Q08). Individuals calling from outside the United
States should dial 1-517-308-9091 (Passcode: 2Q08). A replay of the call will
be available one hour after the call ends on July 22, 2008, and will remain
available until August 5, 2008, by dialing 1-866-403-7106 (domestic) or
1-203-369-0578 (international).

Alternatively, individuals may listen to the live webcast of the
presentation by visiting the SunTrust Web site at www.suntrust.com. The
webcast will be hosted under "Investor Relations," located under "About
SunTrust," or may be accessed directly from the SunTrust home page by clicking
on the earnings-related link, "2nd Quarter Earnings Release." Beginning the
afternoon of July 22, 2008, listeners may access an archived version of the
webcast in the "Webcasts and Presentations" subsection found under "Investor
Relations." This webcast will be archived and available for one year. A link
to the Investor Relations page is also found in the footer of the SunTrust
home page.

SunTrust Banks, Inc., headquartered in Atlanta, is one of the nation's
largest banking organizations, serving a broad range of consumer, commercial,
corporate and institutional clients. The Company operates an extensive branch
and ATM network throughout the high-growth Southeast and Mid-Atlantic States
and a full array of technology-based, 24-hour delivery channels. The Company
also serves customers in selected markets nationally. Its primary businesses
include deposit, credit, trust and investment services. Through various
subsidiaries the Company provides credit cards, mortgage banking, insurance,
brokerage, equipment leasing and capital markets services. SunTrust's Internet
address is www.suntrust.com.

Important Cautionary Statement About Forward-Looking Statements

This news release may contain forward-looking statements. Statements that
do not describe historical or current facts, including statements about
beliefs and expectations, are forward-looking statements. These statements
often include the words "may," "could," "will," "should," "believes,"
"expects," "anticipates," "estimates," "intends," "plans," "initiatives,"
"targets," "potentially," "probably," "projects," "outlook" or similar
expressions. Such statements are based upon the current beliefs and
expectations of SunTrust's management and on information currently available
to management. Forward-looking statements are subject to significant risks and
uncertainties. Investors are cautioned against placing undue reliance on such
statements. Actual results may differ materially from those set forth in the
forward-looking statements. Factors that could cause SunTrust's results to
differ materially from those described in the forward-looking statements can
be found in the Company's 2007 Annual Report on Form 10-K, in the Quarterly
Reports on Form 10-Q and in the Current Reports filed on Form 8-K with the
Securities and Exchange Commission and available at the Securities and
Exchange Commission's internet site (http://www.sec.gov). Those factors
include: (1) adverse changes in general business or economic conditions could
have a material adverse effect on our financial condition and results of
operations; (2) changes in market interest rates or capital markets could
adversely affect our revenues and expenses, the value of assets and
obligations, costs of capital, or liquidity; (3) the fiscal and monetary
policies of the federal government and its agencies could have a material
adverse effect on our earnings; (4) changes in securities markets or markets
for commercial or residential real estate could harm our revenues and
profitability; (5) customers could pursue alternatives to bank deposits,
causing us to lose a relatively inexpensive source of funding; (6) customers
may decide not to use banks to complete their financial transactions, which
could affect net income; (7) we have businesses other than banking, which
subjects us to a variety of risks; (8) hurricanes and other natural disasters
may adversely affect loan portfolios and operations and increase the cost of
doing business; (9) negative public opinion could damage our reputation and
adversely impact our business; (10) we rely on other companies for key
components of our business infrastructure; (11) we rely on our systems,
employees and certain counterparties, and certain failures could materially
adversely affect our operations; (12) we depend on the accuracy and
completeness of information about clients and counterparties; (13) regulation
by federal and state agencies could adversely affect our business, revenues,
and profit margins; (14) competition in the financial services industry is
intense and could result in losing business or reducing profit margins; (15)
future legislation could harm our competitive position; (16) maintaining or
increasing market share depends on market acceptance and regulatory approval
of new products and services; (17) our ability to receive dividends from our
subsidiaries accounts for most of our revenues and could affect our liquidity
and ability to pay dividends; (18) significant legal actions could subject us
to substantial uninsured liabilities; (19) we have in the past and may in the
future pursue acquisitions, which could affect costs and from which we may not
be able to realize anticipated benefits; (20) we depend on the expertise of
key personnel without whom our operations may suffer; (21) we may be unable to
hire or retain additional qualified personnel and recruiting and compensation
costs may increase as a result of turnover, both of which may increase costs
and reduce profitability and may adversely impact our ability to implement our
business strategy; (22) our accounting policies and methods are key to how we
report financial condition and results of operations, and may require
management to make estimates about matters that are uncertain; (23) changes in
our accounting policies or in accounting standards could materially affect how
we report our financial results and condition; (24) our stock price can be
volatile; (25) our disclosure controls and procedures may fail to prevent or
detect all errors or acts of fraud; (26) our trading assets and financial
instruments carried at fair value expose the Company to certain market risks;
(27) weakness in residential property values and mortgage loan markets could
adversely affect us; (28) we may be required to repurchase mortgage loans or
indemnify mortgage loan purchasers as a result of breaches of representations
and warranties, borrower fraud, or certain borrower defaults, which could harm
our liquidity, results of operations and financial condition; and (29) we may
enter into transactions with off-balance sheet entities affiliated with
SunTrust or its subsidiaries which may cause us to recognize current or future
losses.

The forward-looking statements in this news release speak only as of this
date, and SunTrust does not assume any obligation to update such statements or
to update the reasons why actual results could differ from those contained in
such statements.

    Contact:
    Investors                  Media
    Steve Shriner              Barry Koling
    (404) 827-6714             (404) 230-5268

SOURCE SunTrust Banks, Inc.

http://www.suntrust.com

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