Exhibit 10.67



 Exhibit 10.67 
  
 SunTrust Bank, Inc. 401(k) Excess Plan 
 Enrollment and Investment Option Form 
 2005 Plan Year 
  
 The purpose of the SunTrust Banks, Inc. 401 (k) Excess Plan is to replace benefits lost as a
result of certain government limits on the amount that can be contributed under the qualified 401 (k) Plan. 
  
 Enrollment 
  

	 	 ̈	I elect not to participate in the 401(k) Excess Plan for the year 2005. (Qualified Plan deferral rates must be elected via BENE if not participating in the Excess Plan.)


  
 In order to participate in the 401 (k)
Excess Plan, you must make an irrevocable election to contribute the maximum to the qualified plan ($14,000 in 2005). This election can be any percentage from 1 - 20% as long as the result is maximum contributions to the qualified plan.
Contributions are not directed to the Excess Plan until the $14,000 limit is reached. 
  

	 	 ̈	I elect to participate in the 401 (k) Excess Plan for the year 2005 and defer: 

  
              % to the Qualified Plan 
  
              % to the Excess Plan 
  
 After 12/31/04, these elections become irrevocable for 2005. 
  
 Investment Direction 
  
 For 2005 I elect to have my Excess Plan contributions to the SunTrust 401(k) Excess Plan invested according to the investment mix indicated below (in 1% increments to total 100%): 
  

			
	 Allocation %

	  	 Fund


	 	  	STI Classic Small Cap Growth Stock Fund - SSCTX
	 	  	STI Classic Mid-Cap Equity Fund - SAGTX
	 	  	STI Classic Capital Appreciation Fund - STCAX
	 	  	STI Classic Growth and Income Fund - CRVAX
	 	  	STI Classic Value Income Stock Fund - STVTX
	 	  	STI Classic Investment Grade Bond Fund - STIGX
	 	  	STI Classic Short-Term Bond Fund - SSBTX
	 	  	STI Classic Prime Quality Money Market Fund

  

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 Payment Option for Deferrals Made after 1/1/2005 
  
 The normal form of payment is a single lump sum. The 401(k) Excess Plan also provides for five annual installments if elected before January
1, 2005. 
  
 You will be permitted to make the installment election at a later
date, but to do so you must meet three conditions: 
  

	 	1.	You must make your election at least 12 months before the date when the lump sum would have been paid (your intended retirement date); 

  

	 	2.	Your election will not take effect for 12 months after you make it (in the event of your earlier retirement, disability or death); 

  

	 	3.	Your election must defer the first installment for at least five years from the date the lump sum would have been paid, i.e. five years after disability, death or termination.
You will not be permitted to change an installment election to a lump sum because that would result in the acceleration of your distribution. 

  

I elect to receive my cash benefit from the 401(k) Excess Plan when it becomes payable as a result of my retirement, termination, disability, or death: 
  

	 	 ̈	in a lump sum. 

  
 The lump sum is paid no later than the end of the first quarter of the year following your retirement, termination, disability, or death, based on the
value of your account at the month end prior to the payment. 
  

	 	 ̈	in five annual installments. 

  
 The first installment is paid no later than the end of the first quarter of the year following your retirement, termination, disability, or death, or the
fifth year following your retirement, termination, disability or death if your installment election is made after December 31, 2004. The first installment is one-fifth of the value of your account at the month-end prior to payment. Subsequent annual
installments are paid no later than the end of the quarter after the year-end allocation is completed. 
  
 You may change your election from lump sum to installment by submitting a written request. You will not be permitted to change an installment election to a lump sum because that would result in the acceleration of
your distribution. 
  
 Authorization 
  
 I hereby authorize the Corporation to act in accordance with the choices indicated above.

  

			
	  

	    	  


	    Print Full Name	    	    Social Security Number
		
	  

	    	  


	    Signature	    	    Date

  

			
	 Inter-Office Mail

	 	 Regular Mail


	 Clint Efird
 GA-Atlanta-0636-G
	 	 Clint Efird
 GA-Atlanta 0636-G
 303 Peachtree Center Ave Suite 200
 Garden Offices
 Atlanta, GA
30303


  
 If you have any questions, contact
BENE at 800-818-2363, press * * 0 and ask to speak to an Excess Plan specialist. 
  

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