Document:

National Financial Partners Corp. Compensation Recoupment Policy

 Exhibit 10.1 
 National Financial Partners Corp. 
 Compensation Recoupment Policy

 The Board of Directors (the “Board”) of National Financial Partners Corp. (the “Company”) believes it
is appropriate for the Company to adopt this Compensation Recoupment Policy (the “Policy”) to be applied to Company officers who are or were subject to Section 16 of the Securities Exchange Act of 1934, as amended, and any other
officers as the Board (or the Compensation Committee) shall designate (each, a “Covered Employee”). Capitalized terms not otherwise defined when used shall have the meaning set forth in Section 2. 

1. Recoupment of Incentive Compensation 
 In the event (x) the Company is required to restate its financial statements due to material noncompliance with any financial reporting requirement under federal securities laws
(“Restatement”) or (y) any financial statement of the Company used in determining Incentive Compensation or any Company performance metric used in determining Incentive Compensation (whether or not contained in the Company’s
financial statements) is inaccurately calculated such that the inaccurate calculation and the accurate calculation differ by 10%, regardless of whether such inaccuracy was the subject of an accounting restatement (“Inaccurate Results”),
the Board (or the Compensation Committee) may cancel any Incentive Compensation award, rescind the vesting of any Incentive Compensation award or recover any Incentive Compensation paid to a Covered Employee, to the extent that such Incentive
Compensation is materially in excess of that which would have been awarded, paid or vested based on the Restatement or if the Inaccurate Results had been accurately calculated at the time of the award, payment or vesting, as applicable;
provided, that in the event a Restatement occurs or Inaccurate Results are reported as a result of Misconduct by a Covered Employee, the Board (or the Compensation Committee) may rescind the vesting of or cancel all such Incentive
Compensation awarded to such Covered Employee or recover all such Incentive Compensation paid to such Covered Employee. 

Notwithstanding anything to the contrary contained herein, neither the Company nor the Board (or the Compensation Committee) may,
pursuant to this Policy, recover any Incentive Compensation that is paid to a Covered Employee (or, with respect to equity-based Incentive Compensation, settled) more than 12 months prior to the Measurement Date (the “Look-back Period”);
provided, that for a Covered Employee who is or was a Named Executive Officer, the Look-back Period shall be 24 months prior to the Measurement Date; and provided, further, that in the event a Restatement occurs or Inaccurate
Results are reported as a result of Misconduct by a Covered Employee, the Board (or the Compensation Committee) may recover Incentive Compensation paid to such Covered Employee (or, with respect to equity-based Incentive Compensation, settled) prior
to the Look-back Period. 
 2. Certain Defined Terms 
 For purposes of this Policy, the terms listed in this Section 2 shall have the respective meanings set forth in this Section 2. 

(i) “Incentive Compensation” shall mean the Covered Employee’s cash bonus awarded under the Company’s annual
incentive plan, any equity-based awards granted pursuant to the Company’s long-term incentive plans and any other cash or equity-based compensation that is linked to a Company performance metric and intended to serve as an incentive for
performance. 

 (ii) “Measurement Date” shall mean the date on which the Company files restated
financial statements with the Securities and Exchange Commission or if the Company does not restate its financial statements, the date on which accurate financial statements or performance metrics, as applicable, are delivered to the Board or the
Compensation Committee. 
 (iii) “Misconduct” shall mean fraud, intentional misconduct, gross negligence or a material
violation of the Company’s code of ethics or insider trading policy or any other policies or regulations of the Company governing the conduct of its employees, as determined in the sole discretion of the Board (or the Compensation Committee).

 (iv) “Named Executive Officer” shall mean any current or former employee listed as a named executive officer in the
Company’s current or prior proxy statements as filed with the Securities and Exchange Commission. 
 3. Board and Compensation Committee
Discretion 
 In determining whether to require recovery of incentive compensation and, if so, the amount of and means for
obtaining such recovery, the Board (or the Compensation Committee) shall in its sole discretion take into account such factors as it deems appropriate under the circumstances. The amount to be recovered, absent Misconduct, shall generally not exceed
the excess of (x) the Incentive Compensation awarded, paid or vested over (y) the Incentive Compensation that would have been awarded, paid or vested based on the Restatement or if the Inaccurate Results had been accurately calculated at
the time of the award, payment or vesting, as applicable. The determination of the Board (or the Compensation Committee) need not be uniform with respect to one or more Covered Employees. 
 4. Miscellaneous 
 The Board intends that this Policy will be applied to the
fullest extent permitted by law. The Company shall take all appropriate steps to inform Covered Employees of this Policy, so that such Policy shall be enforceable to the fullest extent permitted by law. In connection with the foregoing, the Board
(or the Compensation Committee) may require that the terms of this Policy be incorporated into the terms of any incentive plan or incentive award agreement applicable to Covered Employees. 
 5. Effective Date 
 The Board has adopted this Policy effective as of
October 1, 2011. This Policy shall apply to Incentive Compensation, whether in the form of cash or equity, awarded to any Covered Employee from and after such date.EX-4.1

 Exhibit 4.1 
 THIS SECURITY IS A GLOBAL SECURITY WITHIN THE MEANING OF THE INDENTURE HEREINAFTER REFERRED TO AND IS REGISTERED IN THE NAME OF A DEPOSITARY OR A NOMINEE THEREOF. THIS SECURITY MAY NOT BE EXCHANGED IN
WHOLE OR IN PART FOR A SECURITY REGISTERED, AND NO TRANSFER OF THIS SECURITY IN WHOLE OR IN PART MAY BE REGISTERED, IN THE NAME OF ANY PERSON OTHER THAN SUCH DEPOSITARY OR A NOMINEE THEREOF, EXCEPT IN THE LIMITED CIRCUMSTANCES DESCRIBED IN THE
INDENTURE. 
 UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION
(“DTC”), TO THE ISSUER OR ITS AGENT FOR REGISTRATION OR TRANSFER, EXCHANGE OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC
(AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE
REGISTERED OWNER, CEDE & CO., HAS AN INTEREST HEREIN. 
 THIS SECURITY IS NOT A DEPOSIT OR OTHER OBLIGATION OF A DEPOSITORY INSTITUTION
AND IS NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION OR ANY OTHER GOVERNMENTAL AGENCY. 

 SUNTRUST BANKS, INC. 
 3.50% Senior Note due 2017 
  

					
	No.: A-[—]	 		  	$[—]
	CUSIP: 867914 BE2	 		  	
	ISIN: US867914BE26	 		  	

 SUNTRUST BANKS, INC., a corporation organized and existing under the laws of Georgia (hereinafter called
the “Company”, which term includes any successor corporation under the Indenture hereinafter referred to), for value received, hereby promises to pay to Cede & Co., or registered assigns, the principal sum of [—] Dollars ($[—]), or such other principal amount as may be set forth in the records of the Securities Registrar hereinafter referred to in accordance with
the Indenture, on January 20, 2017 (the “Stated Maturity Date”). The Company further promises to pay interest on said principal sum from November 1, 2011 or from the most recent interest payment date (each such date, an
“Interest Payment Date”) on which interest has been paid or duly provided for, semi-annually in arrears on January 20 and July 20 of each year, commencing January 20, 2012, at the rate of 3.50% per annum
until the principal hereof is paid or duly provided for or made available for payment. In the event that any date, other than the Stated Maturity Date, on which interest is payable on this Security is not a Business Day then a payment of the
interest payable on such date will be made on the next succeeding day that is a Business Day (and without any interest or other payment in respect of any such delay), except that, if such Business Day is in the next succeeding calendar month, such
payment shall be made on the immediately preceding Business Day, in each case with the same force and effect as if made on the date the payment was originally payable. In the event that the Stated Maturity Date is not a Business Day, the payment of
interest and principal will be made on the next succeeding Business Day, and no interest on this Security or such payment will accrue for the period from and after the Stated Maturity Date in respect of such delay. A “Business Day”
shall mean any day other than a Saturday, Sunday, or any other day on which banking institutions and trust companies in New York, New York or Atlanta, Georgia, are permitted or required by any applicable law to close. The interest installment so
payable, and punctually paid or duly provided for, on any Interest Payment Date will, as provided in the Indenture, be paid to the Person in whose name this Security (or one or more Predecessor Securities) is registered at the close of business on
the Regular Record Date for such interest installment, which shall be the fifteenth calendar day preceding the relevant Interest Payment Date whether or not such day is a Business Day. Any such interest installment not so punctually paid or duly
provided for shall forthwith cease to be payable to the Holder on such Regular Record Date and may either be paid to the Person in whose name this Security (or one or more Predecessor Securities) is registered at the close of business on a Special
Record Date for the payment of such Defaulted Interest to be fixed by the Trustee, notice whereof shall be given to Holders of Securities of this series not less than 10 days prior to such Special Record Date, or be paid at any time in any
other lawful manner not inconsistent with the requirements of any securities exchange on which the Securities of this series may be listed, and upon such notice as may be required by such exchange, all as more fully provided in said Indenture.

 Payment of the principal of and interest on this Security will be made at the Corporate Trust office of the Trustee, or such
other office or agency of the Company maintained for that purpose in the Borough of Manhattan, New York, New York, in such coin or currency of 

 
the United States of America as at the time of payment is legal tender for payment of public and private debts; provided, however, that at the option of the Company payment of interest may
be made (i) by check mailed to the address of the Person entitled thereto as such address shall appear in the Securities Register or (ii) by wire transfer in immediately available funds at such place and to such account as may be
designated by the Person entitled thereto as specified in the Securities Register in writing not less than ten days before the date of the interest payment. 
 Reference is hereby made to the further provisions of this Security set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place.

 Unless the certificate of authentication hereon has been executed by the Trustee referred to on the reverse hereof by manual
signature, this Security shall not be entitled to any benefit under the Indenture or be valid or obligatory for any purpose. 

 IN WITNESS WHEREOF, the Company has caused this instrument to be duly executed. 

 

			
	SUNTRUST BANKS, INC.
		
	By:	 	  

  

			
	Attest:	 	  

 This Security is one of a duly authorized issue of securities of the Company (herein called
the “Securities”), issued and to be issued in one or more series under an Indenture, dated as of September 10, 2007 (herein called the “Indenture”), between the Company and U.S. Bank National Association, as
Trustee (herein called the “Trustee”, which term includes any successor trustee under the Indenture), to which Indenture and all indentures supplemental thereto reference is hereby made for a statement of the respective rights,
limitations of rights, duties and immunities thereunder of the Trustee, the Company and the Holders of the Securities, and of the terms upon which the Securities are, and are to be, authenticated and delivered. By the terms of the Indenture, the
Securities are issuable in series that may vary as to amount, date of maturity, rate of interest, rank and in any other respect provided in the Indenture. 
 All terms used in this Security that are defined in the Indenture and not otherwise defined herein shall have the meanings assigned to such terms in the Indenture. 

The Securities of this series are subject to redemption upon not less than 10 nor more than 60 days’ notice by mail, at any time on
or after December 20, 2016, as a whole or in part, at the election of the Company, at a Redemption Price equal to 100% of the principal amount, together in the case of any such redemption with accrued interest to the Redemption Date, but
interest installments whose Stated Maturity is on or prior to such Redemption Date will be payable to the Holders of such Securities, or one or more Predecessor Securities, of record at the close of business on the relevant Record Dates referred to
on the face hereof, all as provided in the Indenture. 
 In the event of the redemption of this Security in part only, a new
Security or Securities of this series for the unredeemed portion hereof will be issued in the name of the Holder hereof upon the cancellation hereof. 
 The Indenture permits, with certain exceptions as therein provided, the Company and the Trustee at any time to enter into a supplemental indenture or indentures for the purpose of modifying in any manner
the rights and obligations of the Company and of the Holders of the Securities, with the consent of the Holders of not less than a majority in principal amount of the Outstanding Securities of each series to be affected by such supplemental
indenture. The Indenture also contains provisions permitting Holders of specified percentages in principal amount of the Securities of each series at the time Outstanding, on behalf of the Holders of all Securities of such series, to waive
compliance by the Company with certain provisions of the Indenture and certain past defaults under the Indenture and their consequences. Any such consent or waiver by the Holder of this Security shall be conclusive and binding upon such Holder and
upon all future Holders of this Security and of any Security issued upon the registration of transfer hereof or in exchange herefor or in lieu hereof, whether or not notation of such consent or waiver is made upon this Security. Notwithstanding the
foregoing, without the consent of any Holder of Securities, the Company and the Trustee may amend or supplement the Indenture or the Securities to conform the terms of the Indenture and the Securities to the description of the Securities in the
prospectus supplement dated October 27, 2011 relating to the offering of the Securities. 
 The Indenture contains
provisions for defeasance at any time of the entire indebtedness of this Security or certain restrictive covenants and Events of Default with respect to this Security, in each case upon compliance with certain conditions set forth in the Indenture.

 As provided in and subject to the provisions of the Indenture, if an Event of Default with
respect to the Securities of this series at the time Outstanding occurs and is continuing, then and in every such case the Trustee or the Holders of not less than 25% in principal amount of the Outstanding Securities of this series may declare the
principal amount of all the Securities of this series to be due and payable immediately, by a notice in writing to the Company (and to the Trustee if given by Holders). 
 No reference herein to the Indenture and no provision of this Security or of the Indenture shall alter or impair the obligation of the Company, which is absolute and unconditional, to pay the principal of
and interest on this Security at the times, place and rate, and in the coin or currency, herein prescribed. 
 As provided in
the Indenture and subject to certain limitations therein set forth, the transfer of this Security is registrable in the Securities Register, upon surrender of this Security for registration of transfer at the office or agency of the Company
maintained under Section 10.2 of the Indenture duly endorsed by, or accompanied by a written instrument of transfer in form satisfactory to the Company and the Securities Registrar duly executed by, the Holder hereof or his attorney duly
authorized in writing, and thereupon one or more new Securities of this series, of authorized denominations and for the same aggregate principal amount, will be issued to the designated transferee or transferees. No service charge shall be made for
any such registration of transfer or exchange, but the Company may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith. 

Prior to due presentment of this Security for registration of transfer, the Company, the Trustee and any agent of the Company or the
Trustee shall treat the Person in whose name this Security is registered as the owner hereof for all purposes, whether or not this Security be overdue, and neither the Company, the Trustee nor any such agent shall be affected by notice to the
contrary. 
 The Securities of this series are issuable only in registered form without coupons in minimum denominations of
$5,000 and any integral multiples of $1,000 in excess thereof. As provided in the Indenture and subject to certain limitations therein set forth, Securities of this series are exchangeable for a like aggregate principal amount of Securities of such
series of a different authorized denomination, as requested by the Holder surrendering the same. 
 The Company and, by its
acceptance of this Security or a beneficial interest therein, the Holder of, and any Person that acquires a beneficial interest in, this Security agree that for U.S. federal, state and local tax purposes it is intended that this Security constitute
indebtedness. 
 The Indenture and this Security shall be governed by and construed in accordance with the laws of the State
of New York. 

 This is one of the Securities referred to in the within mentioned Indenture. 

 

			
	U.S. BANK NATIONAL ASSOCIATION
	 Not in its individual capacity but solely

as Trustee

		
	By:	 	  

		 	 AUTHORIZED OFFICER

 [FORM OF TRANSFER NOTICE] 

FOR VALUE RECEIVED the undersigned registered holder hereby sell(s), assign(s) and transfer(s) unto 

Insert Taxpayer Identification No. 
 Please print or typewrite name and address including zip code of assignee of the within Security and all rights thereunder, hereby irrevocably constituting and appointing
                     to transfer said Security on the books of the Company with full power of substitution in the premises. 

 

	
	  

	By:
	Date:

 SCHEDULE OF INCREASES OR DECREASES IN GLOBAL SECURITY 

The following increases or decreases in this Global Security have been made: 

 

									
	 Date of Exchange
	  	Amount of decrease in
Principal 
Amount of this
Global Security	  	Amount of increase in
Principal 
Amount of this
Global Security	  	Principal Amount of this
Global 
Security following
such decrease or increase	  	Signature of authorized
officer of Trustee
or
Securities Custodian

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