EXHIBIT 10.2

AMENDMENT NUMBER SIX TO THE
SUNTRUST BANKS, INC. 401(k) PLAN
As Amended And Restated Effective January 1, 2002

WHEREAS, SunTrust Banks, Inc. has adopted and sponsors the SunTrust Banks, Inc.
401(k) Plan, as amended and restated as of January 1, 2002, and subsequently
amended (the 401(k) Plan); and

WHEREAS, Section 8.1 of the 401(k) Plan permits the Plan Committee (the
Committee) to amend the 401(k) Plan; and

WHEREAS, the Committee deems it appropriate to amend the 401(k) Plan: (1) to add
nondeferred Management Incentive Plan (MIP) awards as a form of compensation
from which participants can make elective contributions; (2) to incorporate
relevant provisions of the Final Treasury Regulations under Code Sections 401(k)
and (m) effective January 1, 2006; and (3) to incorporate the automatic rollover
rules under Code Section 401(a)(31)(B) effective March 28, 2005.

WHEREAS, SunTrust Banks, Inc. acquired Seix Investment Advisors, Inc. on May 28,
2004, and acquired Zevenbergen Capital, Inc. on January 1, 2005. Employees in
each of the acquired companies began participating in the 401(k) Plan in
accordance with the eligibility requirements set forth in the Plan, on the dates
specified in the attached Addendum B24 for Seix Investment Advisors, Inc. and
Addendum B25 for Zevenbergen Capital, Inc.

NOW, THEREFORE BE IT RESOLVED that the 401(k) Plan is amended and modified as
set forth in the attached Exhibit 1, effective as of the dates indicated in
Exhibit 1.

IN WITNESS WHEREOF, the Committee has caused this Amendment Number Six to be
executed by its duly authorized member.

EXECUTED this          day of December, 2005.

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[spacer.gif] PLAN COMMITTEE ATTEST [spacer.gif] ATTEST   [spacer.gif]  
By:                                                                                   
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By:                                                                                   
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Title:                                                                               
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Title:                                                                               
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Exhibit 1

AMENDMENT NUMBER SIX TO THE
SUNTRUST BANKS, INC. 401(k) PLAN
As Amended And Restated Effective January 1, 2002

The SunTrust Banks, Inc. 401(k) Plan, as amended and restated effective January
1, 2002, and subsequently amended, is further amended as set forth below,
effective as of January 1, 2006, unless otherwise stated:

[spacer.gif] [spacer.gif] 1.  Subsection 1.11(a), is amended effective January
1, 2006, as set forth below:

[spacer.gif] [spacer.gif] 1.1  Compensation. . . .

[spacer.gif] [spacer.gif] [spacer.gif]   (a) Contributions.    For purposes of
determining the percentages that each Participant can contribute, Compensation
means the basic earnings (calculated monthly, weekly or hourly, as applicable)
paid by an Employer to an Employee, plus (1) shift differentials; (2)
compensation classified on his Employer's payroll as vacation pay or sick pay;
(3) draw for a commission Employee; (4) overtime pay; (5) certain bonuses,
commissions, non-deferred payments under the SunTrust Management Incentive Plan
(MIP) or any successor plan, and other incentive pay as determined from time to
time by the Board or the Compensation Committee; and (6) salary reduction
contributions under Code Sections 401(k), 125 (flexible benefits), and/or 132(f)
(parking, effective January 1, 1999). Compensation excludes (1) other forms of
extra compensation; (2) Employer payments for group insurance; (3) payments
under this Plan and any other qualified or non-qualified deferred compensation
plan; (4) income arising from stock options, stock awards and stock appreciation
rights; (5) fringe benefits (except qualified transportation fringe benefits
under Code Section 132(f)); (6) expense reimbursements; (7) payments under an
Employer's long-term disability plan; and (8) other forms of indirect payments.
Compensation for the Participant who enters the Plan after the beginning of a
Plan Year includes only amounts earned after he enters the Plan.

[spacer.gif] [spacer.gif] 2.  Subsection 3.1(d)(6) is clarified effective
January 1, 2002, as set forth below:

[spacer.gif] [spacer.gif] 3.1  Employee Elective Contributions and Catch-Up
Contributions.

[spacer.gif] [spacer.gif]   . . .

[spacer.gif] [spacer.gif] [spacer.gif]   (d) Catch-Up Contributions.

[spacer.gif] [spacer.gif]   . . .

[spacer.gif] [spacer.gif] [spacer.gif]   (6) Matching Contributions. The
Employers will not make any Matching Contribution on any Catch-Up Contribution,
except those that are recharacterized as regular Elective Contributions and that
are eligible for a Matching Contribution under Subsection 3.2(a).

[spacer.gif] [spacer.gif] 3.  Subsection 3.1(h) is amended effective January 1,
2004, by adding the following sentence to the end:

[spacer.gif] [spacer.gif] 3.1  Employee Elective Contributions and Catch-Up
Contributions.

[spacer.gif] [spacer.gif]   . . .

[spacer.gif] [spacer.gif] [spacer.gif]   (h) Modification. . . . The Committee
may limit the election frequency to once in each Plan Year for those
Participants who also participate in the SunTrust Banks, Inc. 401(k) Excess Plan
or in any similar nonqualified deferred compensation plan.

[spacer.gif] [spacer.gif] 4.  Subsection 5.2(b) is amended effective January 1,
2006, as set forth below:

[spacer.gif] [spacer.gif] 5.2  Hardship Withdrawals.

[spacer.gif] [spacer.gif]   . . .

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[spacer.gif] [spacer.gif] [spacer.gif]   (b) Immediate and Heavy Financial Need.
The Participant may make a hardship withdrawal only if he incurs a hardship that
creates an immediate and heavy financial need that he cannot meet without the
withdrawal. Effective January 1, 2006, a hardship withdrawal must be
necessitated by either:

[spacer.gif] [spacer.gif] [spacer.gif]   (1) Expenses for, or necessary to
obtain, medical care for the Participant, Spouse, qualifying child, or
qualifying relative, which would be deductible under Code Section 213(d) if
determined without regard to whether medical expenses exceed 7.5% of adjusted
gross income.

[spacer.gif] [spacer.gif] [spacer.gif]   (2) Costs directly related to the
purchase of the Participant's principal residence, (including land purchase and
all construction costs, and excluding mortgage payments).

[spacer.gif] [spacer.gif] [spacer.gif]   (3) Payment of tuition, related
educational fees, and room and board expenses, for up to the next 12 months of
post-secondary education (including trade school) for the Participant, Spouse,
qualifying child or qualifying relative.

[spacer.gif] [spacer.gif] [spacer.gif]   (4) Payments necessary to prevent
eviction of the Participant from his principal residence, or foreclosure on the
mortgage on his principal residence.

[spacer.gif] [spacer.gif] [spacer.gif]   (5) Payments for burial or funeral
expenses for the Participant's deceased Spouse, qualifying child or qualifying
relative.

[spacer.gif] [spacer.gif] [spacer.gif]   (6) Expenses for the repair of damage
to the Participant's principal residence that would qualify for the casualty
deduction under Code Section 165, determined without regard to whether the loss
exceeds 10% of adjusted gross income.

[spacer.gif] [spacer.gif] [spacer.gif]   (7) Any other catastrophic financial
hardship that the Committee determines to have consequences similar in severity
to the events listed above, and that make the withdrawal necessary for the
safety or well-being of the Participant, his Spouse, qualifying child or
qualifying relative.

[spacer.gif] [spacer.gif]   For purposes of this Subsection, a qualifying child
may be the Participant's stepchild, adopted child, foster child or sibling, or a
descendant of any such person; he or she must share the Participant's residence
for more than half the year, must be under age 19 (or under age 24 if a
full-time student, or any age if totally and permanently disabled) on the last
day of the Plan Year; and he or she must not provide more than half of his or
her own support. Any other dependent must be a qualifying relative (parent,
in-law, child, grandchild, sibling, niece, nephew, aunt, uncle, or unrelated
individual who shares the Participant's residence as a member of the household)
who receives over half of his or her support from the Participant; it is
irrelevant that such relative is step or adopted, or files a joint tax return
with his or her spouse.

[spacer.gif] [spacer.gif] 5.  Subsections 6.3(a) are amended effective March 28,
2005, as set forth below:

[spacer.gif] [spacer.gif] 6.3  Timing of Payment. . . .

[spacer.gif] [spacer.gif] [spacer.gif]   (a) Payment to the Participant. The
Participant may elect to receive or begin receiving payment of his Account
balances as soon as administratively practicable after his Termination Date, but
not later than the end of the second calendar month following the month when he
reaches age 70-1/2. The terminated or Disabled Participant whose aggregate
Account balances exceed $1,000 may leave all or part of his Account balances in
the Plan until that date.

[spacer.gif] [spacer.gif] 6.  Subsections 6.4(a) and (b) are amended effective
March 28, 2005, as set forth below:

[spacer.gif] [spacer.gif] 6.4  Forms of Payment.

[spacer.gif] [spacer.gif] [spacer.gif]   (a) Account Balance Over $1,000.
Regardless of the reason for termination of Employment, the Participant or
beneficiary whose Account balances exceed $1,000 may elect to receive payment in
one of the following forms:

[spacer.gif] [spacer.gif]   . . .

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[spacer.gif] [spacer.gif] [spacer.gif]   (b) Account Balance Not Over $1,000. As
soon as practicable after the Participant's Termination Date, the Plan will
automatically make a lump sum payment in cash to any Participant or beneficiary
whose aggregate Account balances do not exceed $1,000 as of the payment date.
The Participant or beneficiary may elect to receive Employer Stock for the
portion of his Accounts invested in Employer Stock as of the payment date. When
the Account balances of a Participant or beneficiary who is receiving
installment payments decrease to less than $1,000, the Plan will not cash out
those balances unless the Participant or beneficiary elects a lump sum payment.
The automatic cash-out threshold was $3,500 before 1998, and was $5,000 from
January 1, 1998 until March 28, 2005.

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SUNTRUST BANKS, INC. 401(k) PLAN
ADDENDUM B24
SEIX INVESTMENT ADVISORS, INC.

ARTICLE 1
Definitions

[spacer.gif] [spacer.gif] B24-1.16  Effective Date means May 28, 2004, the date
when Seix Investment Advisors, Inc. became part of the Controlled Group (the
Acquisition Date).

ARTICLE 2
Eligibility

[spacer.gif] [spacer.gif] B24-2.1  Eligibility. Each Employee who had worked for
Seix before the Acquisition Date and was an active Employee on the Acquisition
Date, became eligible to participate in this Plan on July 1, 2004. This Plan
granted credit for service with Seix for purposes of eligibility to participate
and to receive Matching Contributions.

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SUNTRUST BANKS, INC. 401(k) PLAN
ADDENDUM B25
ZEVENBERGEN CAPITAL, INC.

ARTICLE 1
Definitions

[spacer.gif] [spacer.gif] B25-1.16  Effective Date means January 1, 2005, the
date when Zevenbergen Capital, Inc. became part of the Controlled Group (the
Acquisition Date).

ARTICLE 2
Eligibility

[spacer.gif] [spacer.gif] B25-2.1  Eligibility. Each Employee who had worked for
Zevenbergen before the Acquisition Date and was an active Employee on the
Acquisition Date, became eligible to participate in this Plan on January 1,
2005. This Plan granted credit for service with Zevenbergen for purposes of
eligibility to participate and to receive Matching Contributions.

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