Document:

Form of Dealer Agreement

 Exhibit 10.9 

 

			
	

	  	 NICHOLAS FINANCIAL, INC.
  

Automobile Dealer Retail Agreement

 Non-Recourse Dealer Retail Agreement 
 The undersigned Dealer proposes to sell to the undersigned Nicholas Financial, Inc. (NFI), from time to time, Promissory Notes, Security Agreements, Retail Installment contracts, Conditional Sales
Contracts, or other instruments hereinafter referred to as “Contracts”, evidencing installment payment obligations owing Dealer arising from the time sale of motor vehicle(s) and secured by such Contracts. It is understood that NFI shall
have the sole discretion to determine which Contracts it will purchase from Dealer. 
  

	1.	Dealer represents and warrants that Contracts submitted to NFI for purchase shall represent valid, bona fide sales for the respective amount therein set forth in such
Contracts and that such Contracts represent sales of motor vehicles owned by the Dealer and are free and clear of all liens and encumbrances. 

  

	2.	Upon purchase by NFI of any contracts hereunder from dealer, dealer shall endorse and assign to NFI the obligations and all pertinent security, security instruments,
along with such provisional endorsements as may be stipulated for such contracts purchased by NFI. 

  

	3.	This Agreement, and sums payable hereunder, may not be assigned by Dealer without written consent of NFI. 

 

	4.	Dealer acknowledges that NFI charges an acquisition fee and a $75.00 loan processing charge on all contracts purchased and funded by NFI. The acquisition fee and loan
processing charge are taken from Dealer Proceeds and are Non-Refundable. The amount is disclosed on each transaction and is set by Nicholas Financial, Inc. 

 

	5.	Perfection of Security Interest: For each Contract purchased by NFI, Dealer shall, within 20 days of the date of the Contract or within a lesser time
period if required by applicable law, file and record all documents necessary to properly perfect the valid and enforceable first priority security interest of NFI in the Vehicle and shall send NFI all security interest filing receipts. A Contract
shall be subject to Repurchase for the life of the Contract if NFI suffers a loss due to the Dealership’s failure to (1) file and record, within 20 days of the date of the Contract or within a lesser time period if required by applicable
law, all documents required to properly perfect the valid and enforceable first priority security interest of NFI in the Vehicle; (2) send NFI the filing receipts reflecting said perfection. 

 

	6.	Indemnity: As a separate and cumulative obligation, Dealer shall defend and hold NFI harmless from any and all claims, defenses, offsets, damages,
suits, administrative or other proceedings, cost (including reasonable attorney’s fees), expenses, losses, and liabilities. (Collectively Claims) arising out of connected with or relating to the Contract or the goods or services sold there
under. Timing of indemnification is within 7 days of demand by NFI. 

  

	7.	Add-on Products and Services:  

  

	 	a.	Defined. “Add-on Products and Services,” or “APS,” shall mean service contracts, mechanical breakdown contracts, GAP contracts, credit life
and credit accident and health insurance. In addition, the term shall include other products and services acceptable to and approved in writing by NFI from time to time. 

 

	 	b.	Cancellation of APS. If APS has been sold by the Dealer and financed in a Contract purchased by NFI, Dealer agrees that such APS shall be cancelable upon demand
by Buyer. Upon such cancellation, Dealer shall immediately notify NFI that the Buyer has canceled the APS. Upon cancellation, Buyer shall be entitled to a refund of the unearned portion of the cash price of the APS as provided in the APS Contract or
as may otherwise be required by law, whichever is greater. As between NFI and Dealer, Dealer agrees to pay to NFI, as appropriate, any refund due to Buyer under the terms of an APS Contract. Dealer’s liability under this Section shall be
limited to the amount Dealer collected and retained or otherwise received, directly or indirectly, in connection with the sale of the APS. 

  

	8.	Privacy: Dealer shall not make any unauthorized disclosure of, or use any personal information of individual consumers which it receives from NFI or on
NFI’s behalf other than to carry out the purposes for which such information is received. NFI and Dealer shall comply in all respects with all applicable requirements of Title V of the Gramm-Leach-Bliley Act of 1999 and its implementing
regulations. 

  

	9.	No Provisions hereof may be modified, changed or supplemented, unless both parties agree to the amendment in writing. 

 

									
	Nicholas Financial, Inc.	 		 	Dealer:	 	  

					
	By:	 	  
	 		 	By:	 	  

					
	Date:	 	  
	 		 	Date:	 	  

	
	 DEALER NAME

	 1ST AUTO CHOICE LLC
 1ST CHOICE
AUTO & TRUCK SALES
 1ST CHOICE AUTO LLC
 1ST CLASS AUTO SALES
 1ST PLACE AUTO SALES, INC

31 W AUTO BROKERS INC
 4042 MOTORS LLC

44 AUTO MART
 45TH STREET AUTO SALES
INC
 5 STARR AUTO
 A & M CLASSIC
AUTO RESTORATION
 A & M MOTORS

A.R.J.’S AUTO SALES, INC
 AAA AUTOMOTIVE
LLC
 AACC AUTO CAR SALES, INC

ABBY’S AUTOS, INC.
 ABC AUTOTRADER
LLC
 ACC USED CARS
 ACTION DIRECT
USA
 ACURA OF ORANGE PARK
 ADAMS AUTO
GROUP
 ADAMSON FORD LLC
 ADRIAN DODGE
CHRYSLER JEEP
 ADVANCE AUTO WHOLESALE, INC.
 ADVANCED AUTO BROKERS, INC.
 AFFORDABLE MOTORS

AFFORDABLE RENTAL SALES
 AFFORDABLE USED
CARS & TRUCKS
 AJ’S AUTO

AL HENDRICKSON TOYOTA
 AL PIEMONTE’S
ARLINGTON HEIGHT
 ALAN BESCO CARS AND TRUCKS
 ALB USA AUTO INC
 ALBION MOTORS, INC.
 ALEX KARRAS LINCOLN
 ALFA MOTORS
 ALL CREDIT CAR SALES LLC
 ALL STATE MOTORS INC

ALLAN VIGIL FORD
 ALLEN TURNER
AUTOMOTIVE
 ALLSTAR AUTO SALES

ALTERNATIVES
 ALTO PASS AUTO LLC

AMERICAN FINANCIAL SERVICES &
 AMG AUTO
SALES INC
 ANDERSON AUTOMOTIVE GROUP INC

ANDY CHEVROLET COMPANY
 ANDY MOHR BUICK PONTIAC
GMC
 ANDY MOHR CHEVROLET, INC.
 ANDY
MOHR NISSAN, INC.
 ANDY MOHR SPEEDWAY CHEVROLET
 ANDY MOHR TOYOTA
 ANN SCHMIDT CHRYSLER
 ANTWERPEN CHRYSLER JEEP

	
	 DEALER NAME

	 ANY CREDIT AUTO SALES LLC

APOSTOLAKIS HONDA
 APPROVAL AUTO CREDIT
INC.
 AR MOTORSPORTS INC
 ARBOGAST
BUICK PONTIAC GMC
 ARCH ABRAHAM NISSAN LTD
 ARES FINANCIAL SERVICES LLC
 ARLINGTON TOYOTA INC.

ARMSTRONG FORD INC
 ARRIGO DODGE

ART MOEHN CHEVROLET, CO.
 ASHEBORO FORD
LINCOLN
 ASTRO LINCOLN MERCURY, INC.

ATCHINSON FORD SALES
 ATHENS AUTO
SALES
 ATLANTA CAR CLUB INC
 ATLANTA
LUXURY MOTORS
 ATLANTA LUXURY MOTORS INC

ATLANTA SPORTS & IMPORTS
 ATLANTIC BEACH
AUTO SALES
 ATLANTIC COAST AUTOS

ATLANTIS RENT A CAR AND
 AUCTION DIRECT
USA
 AURORA CHRYSLER PLYMOUTH
 AUSTIN
MOTORS, INC
 AUTO AMERICA
 AUTO
BANK
 AUTO BANK, INC.
 AUTO BRITE AUTO
SALES
 AUTO CITY AT CLAYTON
 AUTO CITY
LLC
 AUTO CORRAL, INC.
 AUTO COUNTRY
LLC
 AUTO CREDIT CENTER INC
 AUTO
CREDIT OF KENTUCKY
 AUTO DIRECT COLUMBUS OH
 AUTO ENTERPRISE
 AUTO EXCHANGE
 AUTO EXPECTATIONS LLC
 AUTO EXPRESSIONS
 AUTO FINDERS OF VIRGINIA
 AUTO FINDERS, INC.

AUTO HOUSE OF SALISBURY INC
 AUTO KING

AUTO LAND AUTO SALES INC
 AUTO LINE,
INC.
 AUTO MARKET, INC.
 AUTO MART,
INC.
 AUTO MASTERS
 AUTO MAX

AUTO NETWORK, INC.
 AUTO PLAZA

AUTO PLAZA FORD
 AUTO PLAZA
USA

 

	
	 DEALER NAME

 AUTO POINT USED CAR SALES 
 AUTO PROFESSIONAL CAR SALES 

AUTO RANCH INC 
 AUTO RITE, INC 

AUTO SELECT 
 AUTO SOURCE OF GEORGIA 

AUTO SPECIALISTS 
 AUTO SPORT, INC. 

AUTO SPOT ORLANDO 
 AUTO WISE AUTO SALES

 AUTO WISE OF SHELBYVILLE 
 AUTO WORLD

 AUTO WORLD 
 AUTODRIVE, LLC

 AUTOHOUSE, US 
 AUTOLAND 

AUTOMAX 
 AUTOMAX OF LOUISVILLE II 

AUTOMOTION 
 AUTOMOTIVE CONNECTION 

AUTOPLEX IMPORT 
 AUTOPLEX, LLC 

AUTOQUICK, INC. 
 AUTORAMA PREOWNED CARS

 AUTOS ONLINE 
 AUTOVILLE, USA

 AUTOWAY FORD OF BRADENTON 
 AUTOWAY
FORD OF ST PETE 
 AUTOWAY HONDA ISUZU 

AUTOWAY LINCOLN-MERCURY 
 AUTOWISE LLC

 AUTOWORLD 
 AUTOWORLD USA 

AVERY AUTO SALES INC 
 AXELROD PONTIAC

 B & B AUTO SALES 
 B & B
TRUCK CORRAL 
 B & W MOTOR CARS 
 B
& W MOTORS 
 BACHMAN AUTO GROUP, INC. 
 BAKARS INC 
 BALLAS BUICK GMC 
 BALTIMORE WASHINGTON AUTO 
 BANK AUTO SALES 

BARATTINI QUALITY CARS & 
 BARBIES AUTOS
CORPORATION 
 BARGAIN SPOT CENTER 

BARRETT & SONS USED CARS 
 BARRETT
DODGE-CHRYSLER-JEEP 
 BARTOW CHEVROLET 

BARTOW FORD COMPANY 
 BASELINE AUTO SALES, INC.

 BASIC AUTO SALES 
 BAY GULF IMPORTS,
INC. 

	
	 DEALER NAME

 BBS AUTO SALES 
 BEAU TOWNSEND FORD 
 BEDFORD AUTO WHOLESALE 
 BEDFORD NISSAN INC 

BEECHMONT FORD 
 BELLAMY AUTOMOTIVE GROUP, INC

 BELL’S AUTO SALES 
 BEN DAVIS
CHEVROLET OLDSMOBILE 
 BEREA AUTO MALL 

BERGER CHEVROLET 
 BERT SMITH INTERNATIONAL

 BESSEMER AL AUTOMOTIVE LLC 
 BEST BUY
AUTO SALES INC 
 BEST DEAL AUTO SALES 

BEST DEALS ON WHEELS AUTO 
 BETTEN BAKER
CHEVROLET PONTIAC 
 BICKEL BROTHERS AUTO SALES INC 
 BIG BLUE AUTOS, LLC 
 BIG BOYS TOYS FLORIDA LLC 

BIG JOHNS CARZ AN TRUCKS 
 BIG O DODGE OF
GREENVILLE, INC 
 BIGELOW AUTO CENTER 

BILL BLACK CHEVROLET, 
 BILL BRANCH CHEVROLET

 BILL BRYAN SUBARU 
 BILL BUCK
CHEVROLET, INC 
 BILL COLE NISSAN 

BILL ESTES CHEVROLET 
 BILL JACOBS ENTERPRISES
INC 
 BILL KAY CHYRSLER PLYMOUTH OF 

BILL MAC DONALD FORD INC 
 BILL MARINE FORD INC

 BILL SEIDLE’S NISSAN, INC. 

BILL THOMPSON’S AUTO AGENCY LL 
 BILLS AUTO
SALES & LEASING,LTD 
 BILL’S CARS & TRUCKS INC 
 BILLY HOWELL FORD-LINCOLN- 
 BILLY RAY TAYLOR AUTO SALES 

BLACKWELL MOTORS INC 
 BLAKE HOLLENBECK AUTO
SALES IN 
 BLEECKER CHEVROLET PONTIAC 

BLOOMINGTON AUTO CENTER 
 BLUE BOOK CARS

 BLUE PARROT AUTO SALES LLC 
 BLUE
PRINT AUTOMOTIVE GROUP II 
 BLUE RIDGE MAZDA 
 BLUE SPRINGS SALES INC 
 BOB BELL FORD 
 BOB BOAST DODGE 
 BOB CALDWELL DODGE COUNTRY INC 

BOB DANCE HYUNDAI 
 BOB DANCE KIA 

BOB KING MITSUBISHI 
 BOB KING’S MAZDA

 

	
	 DEALER NAME

 BOB MAXEY LINCOLN-MERCURY 
 BOB MCDORMAN CHEVROLET, INC 

BOB PFORTE MOTORS 
 BOB ROHRMAN’S INDY
SUZUKI 
 BOB STEELE CHEVROLET INC. 

BOB TAYLOR CHEVROLET 
 BOBB SUZUKI 

BOBBY LAYMAN CHEVROLET, INC. 
 BOBBY MURRAY
TOYOTA 
 BONIFACE HIERS MAZDA 
 BONITA
AUTO CENTER INC 
 BOOMDOX AUTO GROUP LLC 
 BORCHERDING ENTERPRISE, INC 
 BOULEVARD PREOWNED, LLC 

BOWDEN MOTORS INC 
 BRADLEY CHEVROLET, INC.

 BRAD’S USED CARS 
 BRADSHAW
ACURA 
 BRAMLETT PONTIAC INC 
 BRANDON
FORD 
 BRANDON HONDA 
 BRANDON
MITSUBISHI 
 BREAKAWAY HONDA 

BRECKENRIDGE MOTORS EAST LLC 
 BREMEN MOTORS

 BRENTWOOD AUTO SALES 
 BREVARD
TRUCK & AUTO CENTER 
 BRIDGE STREET AUTO SALES INC 
 BRIGHT AUTO SALES LLC 
 BROCKMAN AUTOMOTIVE 

BROMLEY AUTO SALES, LLC 
 BRONDES FORD MAUMEE LTD

 BRONDES FORD, INC 
 BROTHERS
CHEVROLET OLDSMOBILE 
 BROWN MOTOR SALES 
 BRUCE WALTERS FORD LINCOLN MER 
 BUCKEYE FORD LINCOLN MERC OF O 

BUCKEYE FORD MERCURY, INC. 
 BUCKEYE NISSAN, INC.

 BUDDY STASNEY’S BUICK PONTIAC 

BUDGET CAR SALES OF SW FLORIDA 
 BUDS AUTO SALES

 BURNS CHEVROLET, INC 
 BURTON’S
USED CARS 
 BUTLER KIA 
 BUY RIGHT AUTO
SALES INC 
 BUYERS CHOICE AUTO CENTER LLC 
 BYERLY FORD-NISSAN, INC 
 BYERS CHRYSLER LLC 

BYERS DELAWARE 
 C & C MOTORS 

C & K MOTOR CAR SALES INC 
 C F AUTO SALES

 CALI-HABANA AUTO SALES CORP.

	
	 DEALER NAME

 CALVARY CARS & SERVICE, INC 
 CAMPBELL MOTORS, INC. 

CANTON CAR COMPLEX 
 CAPEHARTS WHOLESALE

 CAPITAL AUTO BROKERS 
 CAPITAL
BOULEVARD AUTO SALES 
 CAPITAL CADILLAC HUMMER 
 CAPITAL CITY IMPORTS 
 CAPITAL EUROCARS, INC 

CAPITAL FORD INC 
 CAPITAL MOTORS 

CAPITOL AUTO 
 CAR CENTRAL 

CAR CHOICE 
 CAR COLLECTION INC 

CAR COLLECTION OF TAMPA INC. 
 CAR COLLECTION,
INC. 
 CAR CONNECTION 
 CAR CONNECTION

 CAR CORNER 
 CAR CORRAL 

CAR COUNTRY 
 CAR CREDIT INC 

CAR DEALZ 
 CAR NET USA 

CAR SOURCE 
 CAR SOURCE, LLC. 

CAR ZONE 
 CARCOAST AUTO SALES LLC 

CARDINAL CHRYSLER JEEP DODGE 
 CARDINAL MOTORS
INC 
 CARENA MOTORS, CO. 
 CARL BLACK
BUICK, PONTIAC, GMC 
 CARN AUTO SALES, INC. 
 CAROLINA AUTO EXCHANGE 
 CAROLINA HYUNDAI OF FORT MILL 

CAROLINA MOTORCARS 
 CARPORT SALES &
LEASING, INC. 
 CARRIAGE KIA 
 CARRIAGE
MITSUBISHI 
 CARRIAGE NISSAN 

CARS & CREDIT ASSISTANCE INC 

CARS & CREDIT OF FLORIDA 

CARS & TRUCKS 
 CARS 4 U 

CARS AND CARS, INC. 
 CARS DIRECT 

CARS OF SARASOTA LLC 
 CARS TO GO AUTO SALES AND

 CARSMART AUTO SALES LLC 
 CARSMART,
INC. 
 CARTER & ANDERSON MOTORSPORTS 
 CARZ, INC. 
 CASCADE AUTO GROUP, LTD

 

	
	 DEALER NAME

 CASS BURCH CHRYSLER DAEWOO 
 CASTLE AUTO OUTLET, LLC 

CASTLE USED CARS 
 CASTRIOTA CHEVROLET GEO INC.

 CAVIAR DREAMS LLC 
 CBS QUALITY CARS,
INC. 
 CECIL CLARK CHEVROLET,INC. 

CENTER POINT USED CARS 
 CENTRAL CAROLINA
PRE-OWNED 
 CENTRAL RALEIGH AUTO SALES 

CENTURY BUICK 
 CENTURY SALES INC 

CHAMBERLAIN AUTO SALES INC 
 CHAMPION CHEVROLET
INC. 
 CHAMPION PREFERRED AUTOMOTIVE 

CHEIFS WHOLESALE AUTOS 
 CHEROKEE HYUNDAI OF
KENNESAW L 
 CHEVROLET BUICK OF QUINCY INC. 
 CHOICE AUTO SALES 
 CHRIS LEITH CHEVROLET 
 CHRIS LEITH DODGE 
 CHRIS MOTORS AUTO SALES 

CHRIS SPEARS PRESTIGE AUTO 
 CHRONIC INC.

 CHRYSLER JEEP OF DAYTON 
 CHUCK
CLANCY DODGE CHRYSLER 
 CINCINNATI USED AUTO SALES 
 CIRCLE CITY ENTERPRISES, INC. 
 CITRUS CHRYSLER JEEP DODGE 

CITY CHEVROLET 
 CITY HYUNDAI 

CITY KIA 
 CITY LINE AUTO & TRUCK

 CITY MITSUBISHI 
 CITY TO CITY AUTO
SALES, LLC 
 CITY USED CARS, INC 
 CITY
VIEW AUTO SALES 
 CJ’S AUTO STORE 

CLARK’S SUNSHINE 
 CLASSIC ASIAN IMPORTS,
LLC 
 CLASSIC CHEVROLET BMW 
 CLASSIC
FORD LINCOLN MERCURY 
 CLASSIC LEXUS 

CLASSIC SUZUKI OF BIRMINGHAM 
 CLASSY CYCLES

 CLAYDIES AUTO MALL 
 CLAYTON
PRE-OWNED AUTO 
 CLEARWATER TOYOTA 

CLINTON FAMILY FORD 
 CLONINGER FORD, INC.

 COAST TO COAST AUTO SALES 
 COASTAL
AUTO GROUP INC. DBA 
 COASTAL CARS, INC. 
 COASTAL MITSUBISHI 
 COATS AUTO SALES

	
	 DEALER NAME

 COCONUT CREEK HYUNDAI 
 COGGIN CHEVROLET AT 

COGGIN HONDA 
 COGGIN NISSAN 

COLLEGE CHEVROLET BUICK 
 COLONIAL PONTIAC

 COLUMBUS AUTO RESALE, INC 
 COLVIN
AUTO SALES & SERVICE 
 CONCOURS AUTO SALES, INC. 
 CONEXION AUTO SALES 
 CONSUMER AUTO BROKERS 

CORAL PALM AUTO SALES 
 CORAL SPRINGS OLDSMOBILE,
INC 
 CORKLE AUTO SALES INC 
 CORLEW
CHEVROLET CADILLAC OLDM 
 CORNERSTONE MOTORS 
 COUGHLIN AUTOMOTIVE OF 
 COUGHLIN AUTOMOTIVE- PATASKALA 

COUGHLIN CHEVROLET- NEWARK 
 COUGHLIN FORD OF
CIRCLEVILLE 
 COUNTRY HILL MOTORS INC 

COUNTRYSIDE FORD OF CLEARWATER 
 COURTESY AUTO
GROUP INC. 
 COURTESY CHRYSLER JEEP DODGE 
 COURTESY FORD 
 COURTESY NISSAN 
 COURTESY PALM HARBOR HONDA 
 COURTESY TOYOTA 

COX AUTO SALES 
 COX CHEVROLET INC 

COX CHRYSLER JEEP DODGE 
 COX MAZDA 

CRAIG & BISHOP, INC. 
 CRAIG &
LANDRETH INC 
 CRAMER TOYOTA OF VENICE 

CREDIT UNION REMARKETING 
 CRENCOR
LEASING & SALES 
 CRESTMONT CADILLAC 
 CREWS CARS 
 CRM MOTORS, INC. 
 CROSS AUTOMOTIVE 
 CROSSROADS AUTO SALES 
 CROSSROADS AUTO SALES INC 
 CROSSROADS CHRYSLER JEEP DODGE 

CROSSWALK AUTO 
 CROWN AUTO DEALERSHIPS INC.

 CROWN HONDA 
 CROWN NISSAN

 CROWN NISSAN GREENVILLE 
 CRYSTAL
MOTOR CAR COMPANY, INC 
 CURRIE MOTORS DRIVERS EDGE 
 CURRY HONDA 
 CUSTOM CAR CARE 
 CUZZ’S AUTOSALES, INC. 

 

	
	 DEALER NAME

	 D & B AUTO BROKERS LLC
 D
& D MOTORS, INC.
 D & R AUTOMOTIVE
 DALE JARRETT FORD
 DALE JARRETT KIA
 DALLAS CPDJ
 DAN TOBIN PONTIAC BUICK GMC
 DAN TUCKER AUTO SALES
 DARBY SOUTH
 DARCARS WESTSIDE PRE-OWNED
 DAVE EDWARDS HYUNDAI, INC.

DAVID HODGES CARS & TRUCKS INC
 DAVID
SMITH AUTOLAND, INC.
 DAVID WESTCOTT BUICK ISUZU
 DAVID’S CARS
 DAWSONS AUTO & TRUCK SALES INC

DAYS AUTO SALES INC
 DAY’S
CHEVROLET
 DAYTON ANDREWS DODGE
 DAYTON
ANDREWS INC.
 DAYTONA AUTO SPORT

DAYTONA DODGE
 DAYTONA TOYOTA

DEACON JONES AUTO PARK
 DEALERGUYCOM,
INC.
 DEALS FOR WHEELS
 DEALS ON
WHEELS
 DEALS ON WHEELS AUTO MART

DEALZ AUTO TRADE
 DEAN SELLERS, INC.

DEAN TEAM BRENTWOOD
 DECENT RIDE.COM

DEECO’S AUTO SALES INC
 DEER FORD

DELRAY IMPORTS, INC
 DELTA TRADE INC

DELUCA TOYOTA INC
 DENNIS AUTO POINT

DENNY’S AUTO SALES, INC.
 DEREK MOTORCAR CO
INC
 DESKINS MOTOR CO INC
 DESTINYS
AUTO SALES
 DETROIT II AUTOMOBILES

DEWEY BARBER CHEVROLET
 DEWITT MOTORS

DICK BIGELOW CHEVROLET
 DICK BROOKS
HONDA
 DICK MASHETER FORD, INC.
 DICK
SCOTT DODGE
 DICK SCOTT MOTOR MALL INC

DICK SMITH MUTSUBISHI
 DIRECT AUTO EXCHANGE,
LLC
 DIRECT AUTO SOURCE
 DIRECT
SALES & LEASING
 DISCOUNT AUTO OUTLET CORP. OF

	
	 DEALER NAME

	 DISCOUNT AUTO SALES
 DISCOVERY
AUTO CENTER LLC
 DISCOVERY AUTO SALES

DIVINE AUTO SALES
 DM MOTORS, INC.

DMC AUTO EXCHANGE
 DNH AUTO

DOMESTIC ACQUISITIONS
 DON BROWN CHEVROLET,
INC.
 DON HINDS FORD, INC.
 DON JACKSON
CHRYSLER DODGE
 DON JACKSON IMPORTS CARS INC
 DON MEALEY CHEVROLET
 DON REID FORD INC.
 DON SEELYE DAEWOO
 DON SITTS AUTO SALES INC
 DORAL HYUNDAI
 DORMAN CADILLAC GMC TRUCK INC

DOTSON BROS CHRYS DODGE PLYM
 DOUG MARINE MOTORS
INC
 DOUGLASVILLE KIA
 DOWN HOME MOTORS
LLC
 DOWNEY & WALLACE AUTO SALES
 DOWNTOWN BEDFORD AUTO
 DOWNTOWN FORD LINCOLN

DOWNTOWN MOTORS
 DRAEGER MOTOR SALES,
INC.
 DREAMS AUTO SALES
 DRIVE AWAY
AUTO SALES
 DRIVE NOW AUTO SALES

DRIVER SEAT AUTO SALES LLC
 DRIVERIGHT AUTO
SALES, INC.
 DRY RIDGE TOYOTA
 D’S
AUTO OUTLET LLC
 DUGAN CHEVROLET PONTIAC

DUNN CHEVROLET OLDS INC.
 DURHAM AUTOMOTIVE
CO
 DUVAL ACURA
 EARL TINDOL FORD,
INC.
 EASLEY MITSUBISHI
 EAST ANDERSON
AUTO SALES
 EAST CHARLOTTE NISSAN
 EAST
COAST SPORTS AND IMPORTS
 EASTGATE MOTORCARS, INC
 EASY AUTO SALES
 EASY STREET RIDES & RODS LLC

ECONOMIC AUTO SALES INC
 ED HARRISON AUTO SALES
INC.
 ED MORSE AUTO PLAZA
 ED SCHMID
FORD INC
 ED SCHMIDT PONTIAC-GMC
 ED
TILLMAN AUTO SALES
 ED VOYLES HONDA
 ED
VOYLES HYUNDAI
 ED VOYLES MITSUBISHI

 

 

	
	 DEALER NAME

	 EDDIE ANDRESON MOTORS
 EDDIE
AUTO BROKERS
 EDDIE CRAIGS EXPRESS

EDDIE PREUITT FORD, INC.
 EDGE MOTORS

EDWARDS CHEVROLET CO
 EJ’S AUTO WORLD,
INC.
 EJ’S QUALITY AUTO SALES, INC.

ELHART NISSAN INC
 ELITE AUTO SALES

ELITE AUTO SERVICES LLC
 ELITE CAR OUTLET
INC
 ELITE CAR SALES WEST INC
 ELITE
MOTORCARS
 ELITE MOTORS, INC.
 ELKIN
MOTOR SALES, LLC
 ELYRIA FORD
 ELYRIA
HYUNDAI, INC.
 EMERALD COAST AUTO SALES, INC
 EMPIRE AUTOMOTIVE GROUP
 ENTERPRISE
 ENTERPRISE CAR SALES
 ENTERPRISE CAR SALES
 ENTERPRISE CAR SALES
 ENTERPRISE CAR SALES
 ENTERPRISE LEASING CO OF
 ENTERPRISE LEASING CO OF GA

ENTERPRISE LEASING CO. OF ORL.
 ENTERPRISE
LEASING COMPANY
 ENTERPRISE LEASING COMPANY
 ERNEST MOTORS, INC.
 ESTERO BAY CHEVROLET INC

EVEREST AUTOMOTIVE GROUP, INC
 EXCLUSIVE CARZ AND
AUTO
 EXECUTIVE AUTO BROKERS
 EXPRESS
AUTO SALES
 EXTREME DODGE DODGE TRUCK

EXTREME IMPORTS
 EZ AUTO SALES

FAIRFIELD FORD
 FAIRLANE FORD SALES,
INC.
 FAMILY KIA
 FAMILY
MOTORS
 FANELLIS AUTO
 FANNIN LINC,
MERC, TOY,
 FANTASY AUTOMOTIVES
 FBC
AUTOMOTIVE LTD
 FENWICK MOTORS
 FERMAN
CHEVROLET
 FERMAN CHRYSLER PLYMOUTH

FERMAN NISSAN
 FIAT OF SOUTH ATLANTA

FIAT OF WINTER HAVEN
 FIDELITY AUTO
CREDIT

	
	 DEALER NAME

	 FIELDS CADILLAC-OLDSMOBILE-

FIRKINS C.P.J.S.
 FIRKINS NISSAN

FIRST CHOICE AUTOMOTIVE INC
 FIRST STOP AUTO
SALES
 FITZGERALD MOTORS, INC.
 FIVE
POINTS TOYOTA, INC.
 FLAMMER FORD OF SPRINGHILL
 FLORENCE AUTO MART INC
 FLORIDA AUTO EXCHANGE

FLORIDA GULF COAST, LLC
 FLORIDA SELECT
PREOWNED
 FLOW CHEVROLET LLC
 FLOW
HONDA
 FLOWERS AUTOMOTIVE LLC
 FOLGER
AUTOMOTIVE, LLC
 FORD OF PORT RICHEY

FORT MYERS MITSUBISHI
 FORT MYERS TOYOTA
INC.
 FORT WALTON BEACH
 FORT WAYNE
ACURA
 FORT WAYNE CREDIT CONNECTION I

FORT WAYNE TOYOTA/LEXUS OF
 FOUNTAIN AUTO
MALL
 FOX AUTO SALES
 FRANK MYERS AUTO
SALES, INC
 FRANKART AUTO SALES, LLC

FRANKLIN AUTO EXHANGE
 FRANKLIN FAMILY CHEVY
BUICK GM
 FRED MARTIN FORD
 FRED MARTIN
MOTOR COMPANY
 FREEDOM FORD, INC.

FRENSLEY CHRYSLER PLYMOUTH
 FRIDAY’S AUTO
SALES, INC.
 FRIENDLY FINANCE AUTO SALES

FRIENDLY KIA & ISUZU
 FRITZ
ASSOCIATES
 FRONT ROW MOTORS, II

FRONTIER MOTORS INC
 FRONTLINE AUTO
SALES
 FUCCILLO KIA OF CAPE CORAL

FULTONDALE AUTO SALES
 FUTURE AUTOMOTIVE
LLC
 G GREG AUTO AUCTION
 GAINESVILLE
DODGE
 GAINESVILLE NISSAN
 GALARZA
MOTORSPORT
 GALEANA CHRYSLER PLYMOUTH

GANLEY BEDFORD IMPORTS INC
 GANLEY CHEVROLET,
INC
 GANLEY DODGE
 GANLEY EAST,
INC
 GANLEY HONDA/PONTIAC
 GANLEY
LINCOLN MERCURY

 

	
	 DEALER NAME

 GANLEY, INC 
 GARY MATHEWS CHRYSLER DODGE 
 GARY YEOMANS FORD 
 GASTONIA NISSAN, INC 
 GATE CITY MOTOR COMPANY, INC. 
 GATOR CHRYSLER-PLYMOUTH, INC. 

GATORLAND TOYOTA 
 GENE GORMAN & ASSOC.
INC. DBA 
 GEN-X CORP 
 GEOFF ROGERS
AUTOPLEX 
 GEORGE WEBER CHEVROLET CO 

GEORGES ENTERPRISES, INC. 
 GEORGIA AUTO BROKERS

 GERALD DANELY AUTO SALES LLC 

GERMAIN FORD 
 GERMAIN OF SARASOTA 

GERMAIN TOYOTA 
 GERRY WOOD HONDA 

GETTEL TOYOTA 
 GLENBROOK DODGE, INC. 

GLENBROOK HYUNDAI 
 GLENDALE CHRYSLER JEEP INC

 GLOBAL MOTORIST 
 GO! AUTO STORE

 GOLDEN OLDIES 
 GOLLING CHRYSLER JEEP

 GOOD MOTOR COMPANY 
 GOOD MOTOR
COMPANY LLC 
 GOOD PATH AUTO SOCIETY 

GOOD TO GO AUTO SALES INC 
 GORDON CHEVROLET,
INC. 
 GRAHAM AUTO SALES 
 GRAND 54
AUTO SALES INC. 
 GRANT MOTORS CORP. 

GRASS LAKE CHEVROLET 
 GRAY EPPERSON MAZDA

 GREAT LAKES CHEVROLET BUICK 
 GREAT
LAKES HYUNDAI, INC. 
 GREEN FORD, INC 

GREENBRIER TRUCK CENTER, INC. 
 GREENE FORD
COMPANY 
 GREENLIGHT MOTORS, LLC 

GREENWAY FORD, INC 
 GREG SWEET CHEVY BUICK OLDS

 GREG SWEET FORD INC 
 GRIFFIN FORD
SALES, INC. 
 GROGANS TOWNE CHRYSLER 

GROTE AUTOMOTIVE INC 
 GS AUTO BROKERS LLC

 GULF ATLANTIC WHOLESALE INC 
 GULF
COAST AUTO BROKERS, INC. 
 GUS MACHADO FORD, INC. 
 GWINNETT PLACE FORD 
 GWINNETT SUZUKI

	
	 DEALER NAME

 H & H AUTO SALES 
 HAASZ AUTO MALL, LLC 

HAIMS MOTORS II, INC. 
 HAIMS MOTORS INC

 HALEY TOYOTA OF RICHMOND 
 HANSELMAN
AUTO SALES INC. 
 HAPPY AUTO MART 

HARBOR CITY AUTO SALES, INC. 
 HARDIE’S USED
CARS, LLC 
 HARDIN COUNTY HONDA 
 HARDY
CHEVROLET 
 HAROLD CHEVROLET BUICK, INC. 
 HARPER AUTO SALE, LLC 
 HARRELSON NISSA 
 HATCHER’S AUTO SALES 
 HATFIELD USED CAR CENTER 

HAWKINS MOTOR SALES 
 HAWKINSON KIA 

HAWLEY MOTOR SALES, INC 
 HAYDOCY PONTIAC-GMC
TRUCK INC 
 HAYES AUTO SALES 
 HAYES
CHRYSLER D/J OF 
 HEADQUARTER HONDA 

HEATH MOTORSPORTS 
 HEATHS TOYS AUTO SALES

 HENDRICK HONDA 
 HENDRICK HONDA

 HENDRICK HONDA OF CHARLESTON 

HENDRICK HYUNDAI 
 HENNESSY MAZDA PONTIAC

 HENNESSY MAZDA PONTIAC GMC 
 HERB
ADCOX CHEVROLET COMPANY 
 HERB KINMAN CHEVROLET, INC. 
 HERITAGE AUTO SALES, LLC 
 HIBDON MOTOR SALES 

HICKORY HOLLOW CARNIVAL KIA 
 HIESTER PREOWNED
CLEARANCE CTR 
 HIGHLINE IMPORTS, INC. 

HIGHWAY MOTORS INC 
 HILL NISSAN INC 

HILLMAN MOTORS, INC. 
 HOGSTEN AUTO WHOLESALE

 HOLLAND ROAD AUTO SALES,INC. 
 HOLLER
CHEVROLET 
 HOLLER HYUNDAI 
 HOLLYWOOD
MOTOR CO #1 
 HOLLYWOOD MOTOR CO #3 

HOMETOWN AUTO SALES 
 HOMETOWN AUTO, INC.

 HONDA CARS OF BRADENTON 
 HONDA CARS
OF ROCK HILL 
 HONDA MARYSVILLE 
 HONDA
OF FORT MYERS 
 HONDA OF GAINESVILLE

 

	
	 DEALER NAME

 HONDA OF MENTOR 
 HONDA OF OCALA 
 HONDA OF THE AVENUES 
 HONDA OF WESLEY CHAPEL 

HONEST ENGINES 
 HOOVER CHRYSLER PLYMOUTH

 DODGE 
 HOOVER MITSUBISHI CHARLESTON

 HT MOTORS INC 
 HUBER AUTOMOTIVE

 HUBERT VESTER CHEVROLET 
 HUBERT
VESTER TOYOTA SCION 
 HUBLER CHEVROLET CADILLAC INC 
 HUBLER CHEVROLET INC 
 HUBLER NISSAN, INC. 
 HUDSON NISSAN 
 HUMMER OF CINCINNATI 
 HUSTON MOTORS INC. 
 HYMAN AUTO OUTLET, LLC 

HYUNDIA OF GREER 
 HZF PLAINWELL 

IAD AUTO INC 
 IMAGINE CARS 

IMMACULATE AUTO 
 IMPORT AUTO BROKERS INC

 IMPORT CARS R US 
 INDEPENDENCE AUTO
SOLUTIONS LL 
 INDY’S UNLIMITED MOTORS 
 INFINITI OF BEDFORD 
 INFINITI OF FT. MEYERS 

INFINITI OF UNION CITY 
 INTEGRITY AUTO
CONSULTANTS LLC 
 INTEGRITY AUTO SALES, INC. 
 INTEGRITY MOTORS, INC 
 INTERNATIONAL MOTORS CO. 

ISLAND MOTOR SALES 
 IVAN LEONARD CHEVROLET

 IVORY CHEVROLET, LLC 
 J & A AUTO
STYLE INC 
 J & C AUTO SALES 
 J
& C AUTO SALES 
 J & J DREAM CARS INC 
 JACK DEMMER FORD, INC. 
 JACK MATIA CHEVROLET 

JACK WILSON PONTIAC, GMC 
 JACKIE MURPHY’S
USED CARS 
 JACKSON ACURA 

JACKSONVILLE CHRYSLER 
 JADES AUTO SALE INC

 JAKE SWEENEY CHEVROLET, INC 
 JAKMAX

 JAMES O’NEAL CHRY-DODGE JEEP 

JAMIE’S DISCOUNT AUTO SALES 
 JARRARD
PRE-OWNED VEHICLES 
 JARRETT FORD HAINES CITY

	
	 DEALER NAME

 JARRETT FORD MERCURY 
 JARRETT FORD OF PLANT CITY 

JAY HONDA 
 JAY’S USED CARS, LLC.

 JB’S AUTO SALES OF PASCO, INC. 

JC AUTOMAX 
 JC LEWIS FORD, LLC 

JEEPSTERS, LLC 
 JEFF SCHMITT AUTO GROUP

 JEFF WYLER CHEVROLET, INC 
 JEFF
WYLER HONDA OF FRANKFORT 
 JEFF WYLER SPRINGFIELD, INC 
 JEFFERSON CHEVROLET CO. 
 JEFFREYS AUTO EXCHANGE 

JEFFS MOTORCARS, INC. 
 JENKINS HYUNDAI

 JENKINS HYUNDAI OF BRADENTON 

JENKINS HYUNDAI OF LEESBURG 
 JENKINS NISSAN,
INC. 
 JENKINS PRE-OWNED AUTO SALES 

JEREMY FRANKLINS SUZUKI OF KAN 
 JERRY ULM DODGE
INC. 
 JERRY WILSON’S MOTOR CARS 

JERRYS CHEVROLET 
 JIM BURKE NISSAN 

JIM BUTLER SOUTH COUNTRY 
 JIM DOUGLAS SALES AND
SERVICE 
 JIM KIRBY AUTOMOTIVE 
 JIM
WHITE HONDA 
 JIM WOODS AUTOMOTIVE, INC. 
 JIMMIE VICKERS INC. 
 JIM’S AUTO SALES 

JLP INVESTMENTS 
 JOE RICCI AUTOMOTIVE

 JOEY D’S AUTO OUTLET 
 JOHN
BLEAKLEY FORD 
 JOHN HIESTER CHEVROLET 

JOHN HIESTER CHRYSLER DODGE 
 JOHN JENKINS, INC.

 JOHN JONES CHEVY PONTIAC OLDS 
 JOHN
M. LANCE FORD LLC 
 JOHNSON AUTOPLEX 

JORDAN AUTO SALES INC 
 JORGENSEN FORD SALES

 JOSEPH AUTO CENTER OF CINCINNA 

JOSEPH CHEVROLET OLDSMOBILE CO 
 JOSEPH MOTORS

 JOSEPH TOYOTA INC. 
 JPL AUTO EMPIRE

 JULIANS AUTO SHOWCASE, INC. 
 JUPITER
MOTORS GROUP, LLC 
 JUST WHEELS USED CARS INC 
 JUST-IN-TIME AUTO SALES INC 
 K & B FINANCIAL SERVICES INC 

K & M SUZUKI 

 

	
	 DEALER NAME

 K ASANTE AUTO SALES 
 K B AUTO EMPORIUM 
 K J ENTERPRISES 
 K T AUTO SALES LLC 
 KACHAR’S USED CARS, INC. 
 KANSAS CITY MOTORS 

KARL FLAMMER FORD 
 KARLEES AUTO INC 

KARZ DIRECT 
 KEFFER HYUNDAI 

KEFFER PRE-OWNED SOUTH 
 KEITH HAWTHORNE FORD OF

 KEITH HAWTHORNE HYUNDAI 
 KEITH
HAWTHORNE HYUNDAI, LLC 
 KEITH HAWTORNE FORD 
 KEITH PIERSON TOYOTA 
 KELLY & KELLY INVESTMENT CO IN 

KELLY CADILLAC SAAB HUMMER GMC 
 KELLY FORD

 KELLYS AUTO CARS 
 KENDALL AUTO SALES
CORP 
 KENNYS AUTO SALES, INC 

KEN’S AUTOS 
 KENS KARS 

KERRY NISSAN, INC. 
 KEVINS CAR SALES 

KEY CHRYLSER PLYMOUTH INC 
 KIA ATLANTA SOUTH

 KIA AUTO SPORT 
 KIA OF ALLIANCE

 KIA OF BEFORD 
 KIA OF CHATANOOGA

 KIA OF CLEVELAND 
 KIA OF GREER

 KIA OF LEESBURG 
 KIA OF NAPLES

 KINGDOM CHEVROLET INC 
 KINGDOM MOTOR
CARS 
 KINGS FORD, INC 
 KING’S
NISSAN 
 KNE MOTORS, INC. 
 KNOX BUDGET
CAR SALES & RENTAL 
 KOE-MAK CORP 
 KOL AUTO SALES, INC. 
 KOSMIC DEALMAKERS, LLC 

KR MOTORS LLC 
 KUHN HONDA VOLKSWAGON 

LA AUTO STAR, INC. 
 LAKE COUNTY AUTO SALES

 LAKE KEOWEE CHRYSLER DODGE LLC 
 LAKE
NISSAN SALES, INC. 
 LAKE NORMAN HYUNDAI 
 LAKE NORMAN INFINITI 
 LAKE PLACID MOTOR CAR, INC

	
	 DEALER NAME

 LAKELAND CHRYSLER PLYMOUTH,INC 
 LAKESIDE AUTO SALES, INC. 

LAKEWOOD AUTOSALES INC 
 LALLY ORANGE BUICK
PONTIAC GMC 
 LAMAR COOKS AUTO CHOICE INC 
 LANDERS MCLARTY CHEVROLET 
 LANDERS MCLARTY SUBARU 

LANDMARK CDJ OF MONROE, LLC 
 LANG CHEVROLET
COMPANY 
 LANIGAN’S AUTO SALES 

LARA AUTO SALES, INC. 
 LARRY HILL IMPORTS

 LARRY JAY IMPORTS, INC 
 LARRY’S
AUTO SALES 
 LARRY’S CAR CONNECTION 
 LARRY’S USED CARS 
 LCA AUTO WHOLESALES, LTD 

LEADER FORD 
 LEBANON FORD LINCOLN 

LEE KIA 
 LEE NISSAN 

LEE’S AUTO SALES, INC 
 LEGACY NISSAN

 LEGACY TOYOTA 
 LEHMAN TOYOTA

 LEIKIN OLDSMOBILE INC 
 LEITH LINCOLN
MERCURY 
 LEXUS OF FT. MYERS 
 LIBERTY
AUTO OUTLET INC 
 LIBERTY FORD LINCOLN MERC INC 
 LIBERTY FORD SOLON, INC. 
 LIBERTY FORD SOUTHWEST, INC 

LIBERTY PONTIAC GMC TRUCK, INC 
 LIBRA AUTO

 LIGHTNING MOTORS LLC 
 LIMBAUGH
TOYOTA, INC. 
 LIMESTONE AUTO SALES 

LINDSAY ACURA 
 LIPTON TOYOTA 

LMN AUTO INC 
 LOAN A-RANGER MOTORS INC

 LOGANVILLE FORD 
 LOKEY NISSAN

 LOMBARD AUTO EXCHANGE INC 
 LONDOFF
JOHNNY CHEVROLET INC 
 LONGSTREET AUTO 

LONGWOOD KIA MITSUBISHI 
 LOU BACHRODT CHEVROLET

 LOU SOBH PONTIAC/BUICK/GMC 
 LOUDON
MOTORS, INC 
 LOWERY BROS. OVERSTOCK LLC 
 LOWEST PRICE AUTO BROKERS INC 
 LOWEST PRICE TRANSPORTATION 

LUXURY AUTO SALES LLC 

 

	
	 DEALER NAME

 LUXURY CARS & FINANCIAL, INC. 
 LUXURY IMPORTS AUTO SALES 

LYNN LAYTON CADILLAC NISSAN IN 
 M & D AUTO
SALES LLC 
 M & L IMPORTS INC 
 M
& L MOTOR COMPANY, INC. 
 M & M AUTO GROUP INC 
 M & M AUTO WHOLESALERS, LLC 
 MACHADO AUTO SELL LLC 

MACKENNEY AUTO SALES 
 MACLAY MOTORS 

MACON DEALS INC 
 MAHER CHEVROLET INC 

MAIN STREET MOTORCARS 
 MAJOR MOTORS SALES

 MALCOLM CUNNINGHAM FORD 
 MALPASS
AUTO SALES INC 
 MANNING MOTORS, INC. 

MARANATHA CAR CO 
 MARCH MOTORS INC. 

MARIETTA AUTO MALL CENTER 
 MARIETTA AUTO MART

 MARK BRADLEY AUTO SALES 
 MARLOZ OF
HIGH POINT 
 MARLOZ OF STATESVILLE 

MAROONE CHEVROLET 
 MAROONE CHEVROLET 

MAROONE CHEVROLET 
 MAROONE CHEVROLET OF

 MAROONE FORD LLC 
 MAROONE FORD OF
MARGATE 
 MAROONE HONDA OF HOLLYWOOD 

MAROONE HONDA OF MIAMI 
 MARSHALL FORD

 MARSHALL MOTORS OF FLORENCE 
 MARTY
FELDMAN CHEVY 
 MASHBURN MOTORS 
 MASON
CAR COMPANY 
 MASTER CAR INTERNATIONAL, INC 
 MATHEWS BUDGET AUTO CENTER 
 MATHEWS FORD INC. 

MATHEWS FORD OREGON, INC 
 MATT CASTRUCCI

 MATTHEWS MOTOR COMPANY 
 MATTHEWS
MOTORS INC. 
 MATTHEWS-CURRIE FORD CO 

MAVERICK MOTORS 
 MAXIMUM DEALS, INC. 

MAZ AUTO INC 
 MAZDA SAAB OF BEDFORD 

MAZDA WESTSIDE 
 MCCLUSKEY CHEVROLET, INC

 MCELVEEN PONTIAC BUICK GMC 

MCFARLAND CHEVROLET BUICK INC

	
	 DEALER NAME

 MCGHEE AUTO SALES INC. 
 MCHUGH INC 
 MCJ AUTO SALES OF CENTRAL FLOR 
 MCKENNEY DODGE LLC 

MCPHAILS AUTO SALES 
 MCQUISTON MOTORS

 MCVAY MOTORS, INC. 
 MECHANICSVILLE
HONDA 
 MECHANICSVILLE TOYOTA 
 MED
TRANSIT AUTO 
 MEDINA AUTO BROKERS 

MENTOR IMPORTS,INC. 
 MERCEDES BENZ OF SARASOTA

 MEROLLIS CHEVROLET SALES 
 METRO
HONDA 
 METRO USED CARS 
 METROLINA S
& H AUTO SALES INC 
 MIAMI LAKES GMC BUICK PONTIAC 
 MICCO MOTORS 
 MICHAEL’S AUTO SALES CORP 

MICHAEL’S MOTOR CO 
 MICHIGAN CAR &
TRUCK, INC. 
 MID AMERICA AUTO GROUP 

MID ATLANTIC AUTO SALES NETWOR 
 MID FLORIDA
WHOLESALERS INC 
 MIDDLETON USED CARS 

MIDDLETOWN FORD, INC 
 MIDFIELD MOTOR COMPANY,
INC. 
 MID-LAKE MOTORS, INC. 
 MIDWEST
AUTO GROUP LLC 
 MIDWESTERN AUTO SALES, INC. 
 MIKE BASS FORD 
 MIKE CASTRUCCI FORD OF ALEX 

MIKE CASTRUCCI FORD SALES 
 MIKE ERDMAN TOYOTA

 MIKE PRUITT HONDA, INC 
 MIKE SHAD
FORD 
 MIKE SHAD NISSAN 
 MIKE THOMAS
AUTO SALES 
 MIKE WILSON CHEVROLET 

MIKE’S AUTO FINANCE 
 MIKES TRUCKS AND CARS

 MILES AUTO CARE 
 MILESTONE MOTORS,
L.L.C. 
 MILLENIUM AUTOMOTIVE GROUP 

MILLENNIUM AUTOMOTIVE SALES & 
 MILTON
DODGE CHRYSLER JEEP 
 MINIVAN SOURCE, INC. 
 MIRACLE AUTOMOTIVE GROUP 
 MIRACLE CHRYSLER DODGE JEEP 

MISSION AUTOMOTIVE, LLC 
 MLM AUTOBROKERS LLC

 MODERN CORP 
 MODERN NISSAN CONCORD
LLC 

 

	
	 DEALER NAME

 MODERN TOYOTA 
 MONROE DODGE/CHRYSLER INC. 
 MONTEVALLO IMPORTS, LLC 
 MONTGOMERY MOTORS 

MONTROSE FORD LINCOLN/MERCURY 
 MONTROSE TRI
COUNTY KIA 
 MOODY MOTORS 
 MOORE
NISSAN 
 MOORES AUTO CENTER INC 

MOORING AUTOMOTIVE GROUP LLC 
 MORONI AUTO SALES
INC 
 MORRIS MOTORS INC 
 MORSE
OPERATIONS INC. 
 MOTOR CAR CONCEPTS II 

MOTOR CARS HONDA 
 MOTOR NATION LLC 

MOTORCARS TOYOTA 
 MOTORMAX OF GR 

MOTORVATION, LLC 
 MR CAR LLC 

MR CARS, INC. 
 MT CLEMENS AUTO CENTER

 MULLINAX FORD OF PALM BEACH 
 MURPHY
AUTO SALES 
 MURPHY MOTORS 

MURRAY’S USED CARS 
 MUSIC TOWN MOTOR CARS
III 
 MY AUTO IMPORT CENTER 
 N T I

 NALLEY INFINITI 
 NAPELTON CHRYSLER
JEEP DODGE 
 NAPLETON’S NORTH PALM AUTO PK 
 NAPLETON’S RIVER OAKS CHRYSLER 
 NATIONAL CAR MART, INC 

NATIONAL MOTORS, INC. 
 NEIL HUFFMAN NISSAN

 NELSON MAZDA 
 NELSON MAZDA RIVERGATE

 NEW CARLISLE AUTOMOTIVE INC 
 NEW
LIFE AUTO SALES 
 NEW WAY AUTOMOTIVE 

NEWCOMBS SERVICE, INC 
 NEWTON’S AUTO SALES,
INC. 
 NEX 2 NU-AUTO SALES INC 
 NEXT
GENERATION MOTORS, INC. 
 NICHOLAS DATA 

NICK MAYER LINCOLN MERCURY INC 
 NICKS AUTO MART

 NICK’S AUTO SALES 
 NIMNICHT
CHEVROLET 
 NIMNICHT PONTIAC 
 NISSAN
OF SOUTH HOLLAND 
 NISSAN ON NICHOLASVILLE 
 NISSAN SOUTH 

	
	 DEALER NAME

 NORTH ATLANTA AUTO SUPERSTORE 
 NORTH BROTHERS FORD, INC 

NORTH POINT CHRYSLER JEEP 
 NORTH TAMPA CHRYSLER
JEEP DODG 
 NORTHGATE AUTO SALES 

NORTHGATE FORD LINCOLN MERCURY 
 NORTHWOOD AUTO
SALES LLC 
 NOURSE CHILLICOTHE 

NOWHERE AUTOMOTIVE INC 
 NXT CARS 

OAKES AUTO INC 
 OCEAN MAZDA 

O’CONNOR AUTOMOTIVE, INC 
 O’DANIEL
MOTOR SALES, INC. 
 ODELLS AUTO SALES INC 
 OFF LEASE ONLY 
 OHIO AUTO SALES 
 OK MOTORS LLC 
 OLD SOUTH SALES INC. 
 OLIVER C. JOSEPH, INC. 
 ON THE ROAD AGAIN, INC. 

ON TRACK AUTO MALL, INC. 
 ONE SOURCE AUTOMOTIVE
SOLUTION 
 ONEX MOTORS 
 ORANGE PARK
DODGE 
 ORANGE PARK MITSUBISHI 

ORLANDO AUTOS 
 ORLANDO HYUNDAI 

OSCAR MOTORS CORPORATION 
 O’STEEN VOLVO
VOLKSWAGON 
 OUTDOORS UNLIMITED 
 OUZTS
MOTORS & USED CARS 
 OXMOOR FORD LINCOLN MERCURY 
 OXMOOR HYUNDAI 
 OXMOOR MAZDA 
 OXMOOR TOYOTA 
 OZONA MOTORCARS 
 P&L AUTO SALES 
 PALATKA FORD-MERCURY, INC. 

PALM BAY MOTORS 
 PALM BEACH AUTO DIRECT

 PALM BEACH TOYOTA 
 PALM CHEVROLET

 PALM TREE AUTO SALES 
 PALMER HUFFMAN
AUTO OUTLET 
 PALMETTO FORD 
 PALMETTO
PREOWNED 
 PALMETTO WHOLESALE MOTORS 

PANAMA CITY AUTOMOTIVE 
 PANHANDLE AUTOMOTIVE
INC. 
 PARK AUTO MALL, INC 
 PARK PLAZA
DODGE 
 PARKS CHEVROLET - GEO 
 PARKWAY
FORD, INC. 

 

	
	 DEALER NAME

 PARKWAY MOTORS INC 
 PARS IMPORTS, INC 
 PATRICK O’BRIEN JR, CHEV. INC. 
 PATRIOT AUTOMOTIVE SALES & 

PAUL MILLER FORD, INC. 
 PAUL’S TRADING
STATION LLC 
 PAYDAY MOTOR SALES 

PEARCE AUTO SALES, INC 
 PEARSON FORD, INC.

 PEARSON IMPORTS, INC. 
 PEDIGO’S
HEARTLAND CROSSING 
 PELHAM’S AUTO SALES 
 PERFORMANCE CHEVROLET SUBARU 
 PERSINGER AUTOMOTIVE 

PETE MOORE CHEVROLET, INC 
 PETE MOORE IMPORTS,
INC 
 PHILLIPS CHRYSLER-JEEP, INC 

PIEDMONT AUTO SALES NETWORK 
 PIEMONTES DUNDEE
CHEVROLET 
 PINE ISLAND AUTO SALES 

PINEVILLE IMPORTS 
 PINNACLE AUTO HOLDINGS

 PIRTLE & HOWERTON AUTOMOTIVE 

PLAINFIELD AUTO SALES, INC. 
 PLANET AUTO

 PLANET MOTORS 
 PLANT CITY AUTOMALL

 PLATINUM MOTOR CARS 
 PLATTNER’S

 PLAZA MOTORS, INC. 
 PLAZA PONTIAC
BUICK GMC INC 
 PORT MOTORS 
 POTAMKINS
PLANET DODGE CHRYSLE 
 POWER PONTIAC GMC OLDSMOBILE 
 POWERS SWAIN CHEVROLET INC 
 PREFERRED AUTO 

PREMIER AUTO BROKERS, INC. 
 PREMIER DODGE
CHRYSLER JEEP 
 PREMIER MOTORCAR GALLERY 
 PREMIERE CHEVROLET, INC. 
 PREMIUM AUTO SALES AND SERV 

PREMIUM MOTORS LLC 
 PRESTIGE CARS INC

 PRESTIGE LEASING AND SALES INC 

PRESTON AUTO OUTLET 
 PRESTON HYUNDAI 

PRICED RIGHT CARS, INC 
 PRIME MOTORS INC

 PRIORITY HONDA HUNTERSVILLE 
 PRO CAR
AUTO GROUP, INC 
 PRO CAR II 
 PRO
MOTION CO INC 
 PROCAR 

PROCTOR & PROCTOR

	
	 DEALER NAME

 PROFESSIONAL AUTO SALES 
 PUGMIRE FORD LLC 
 PUGMIRE ISUZU 
 QUALITY BANK REPOS 
 QUALITY GENERAL AUTO SALES,INC 
 QUALITY IMPORTS 

R & B CAR COMPANY 
 R & N AUTO SALES INC

 R.H. CARS, INC. 
 R.K. CHEVROLET

 RANDY MARION CHEVROLET PONTIAC 

RANKL & RIES MOTORCARS, INC 
 RANSY WISE
CHEVROLET BUICK 
 RAY PEARMAN LINCOLN MERCURY 
 RAY SKILLMAN CHEVROLET 
 RAY SKILLMAN EASTSIDE 

RAY SKILLMAN FORD INC. 
 RAY SKILLMAN NORTHEAST
BUICK G 
 RAY SKILLMAN OLDSMOBILE AND 

RAY SKILLMAN WESTSIDE 
 RE BARBER FORD INC

 RECKER AUTO SALES 
 RED HOAGLAND
HYUNDAI, INC. 
 RED HOAGLAND PONTIAC GMC INC 
 REDMOND AUTOMOTIVE 
 REDSKIN AUTO SALES INC 

REED LALLIER CHEVROLET 
 REEF AUTO GROUP

 REEL’S AUTO SALES LLC 
 REGAL
PONTIAC, INC. 
 REGISTER CHEVROLET & OLDS 
 RELIABLE TRUCK SALES 
 RELIABLE USED CARS 
 RICE TOYOTA 
 RICH MORTONS GLEN BURNIE 
 RICK CASE ATLANTA 
 RICK CASE MOTORS, INC. 
 RICK HANCOCK PRE-OWNED LLC 
 RICK HENDRICK CHEVROLET 

RIDESMART AUTOMOTIVE GROUP 
 RIGHT CHOICE
AUTOMOTIVE LLC 
 RIGHTWAY AUTOMOTIVE CREDIT 
 RIOS MOTORS 
 RITA CASE CARS INC 
 RIVER CITY AUTO CENTER 
 RIVERBEND FORD 
 RIVERCHASE KIA 
 RIVERGATE TOYOTA 
 RIVERSIDE MOTORS, INC 
 RIVERTOWN TOWN AUTO SALES INC 

RIVIERA AUTO SALES SOUTH, INC. 
 ROBERT LEE AUTO
SALES INC 
 ROBKE CHEVROLET COMPANY 

ROCK BOTTOM AUTO SALES, INC.

 

	
	 DEALER NAME

 ROCK CITY AUTO SALES 
 ROCK SOLID AUTOMOTIVE INC 

ROD HATFIELD CHRYSLER DGE JEEP 
 ROGER DEAN
CHEVROLET 
 ROGER WILLIAMS AUTO SALES 

ROGERS AUTO GROUP 
 ROME AUTO BROKERS INC

 RON BUTLER MOTORS, LLC 
 ROSE
AUTOMOTIVE INC 
 ROSE CITY MOTORS 

ROSE CITY MOTORS 2 
 ROSEVILLE CHRYSLER JEEP

 ROSS’S AUTO SALES 
 ROUEN
CHRYSLER DODGE JEEP INC 
 ROUEN MOTORWORKS LTD 
 ROUTE 4 AUTO STORE 
 ROWE AUTOMOTIVE LLC 
 ROY O’BRIEN, INC 
 ROYAL AUTO SALES 
 ROYAL OAK FORD SALES, INC. 
 ROYAL PALM TOYOTA 

RP CUSTOME INC 
 RPM AUTO SALES LLC 

RYAN’S AUTO SALES 
 S & S VENTURES OF
SUNTREE LLC 
 S WILSON’S AUTO SALES 
 SABISTON MCCABE AUTO SOLUTIONS 
 SALTON MOTOR CARS INC 

SAM GALLOWAY FORD INC. 
 SANDERSON AUTO SALES INC

 SANSING CHEVROLET, INC 
 SANTOS
AUTOMOTIVE LLC 
 SARASOTA FORD 
 SATURN
OF GRAND RAPIDS 
 SATURN OF GREENSBORO 

SATURN OF PORT RICHEY 
 SATURN OF ST PETE

 SATURN OF WEST BROWARD 
 SAULS MOTOR
COMPANY, INC. 
 SAV MOR AUTOS 

SAVANNAH AUTO 
 SAVANNAH AUTOMOTIVE GROUP

 SAVANNAH MOTORS 
 SAVANNAH SPORTS AND
IMPORTS 
 SC AUTO SALES 
 SCARRITT
MOTORS INC 
 SCHULTZ AUTO BROKERS 

SCHUMACHER AUTOMOBILE, INC 
 SCHUMACHER MOTOR
SALES 
 SCOTT EVANS CHRYSLER PLYMOUTH 

SELECT IMPORTS 
 SELECTIVE AUTO &
ACCESSORIES 
 SEMINOLE SUBARU INC. 

SERPENTI CHEVROLET OF ORVILLE

	
	 DEALER NAME

 SERPENTINI CHEVROLET OF 
 SERRA AUTOMOTIVE 
 SERRA TOYOTA, INC. 
 SEXTON AUTO SALES, INC 

SHAMBURG AUTO SALES 
 SHAN AUTO SALES 

SHARPNACK FORD 
 SHAWNEE MOTORS GROUP 

SHEEHY FORD INC 
 SHELBY MOTORS LLC 

SHELBYVILLE AUTO SALES LLC 
 SHERMAN DODGE

 SHERWOOD AUTO & CAMPER SALES 

SHULAK MOTORS LLC 
 SHUMAN MOTOR SALES INC

 SHUTT ENTERPRISES 
 SIGNATURE FORD
LINCOLN MERCURY 
 SIMS BUICK PONTIAC, LLC 
 SLONE AUTOMOTIVE ENTERPIRSE 
 SMITH FIELD AUTO CENTER LLC 

SMITH MOTORS LLC 
 SONS HONDA 

SOUTH 71 AUTO SALES 
 SOUTH ATLANTA INVESTMENTS
INC 
 SOUTH I-75 CHRYSLER DODGE JEEP 

SOUTH MOTOR COMPANY OF DADE 
 SOUTH OAK DODGE INC

 SOUTHEAST JEEP EAGLE 
 SOUTHERN MOTOR
COMPANY 
 SOUTHERN MOTORSPORTS 

SOUTHERN STATES NISSAN, INC. 
 SOUTHERN TRUST
AUTO SALES 
 SOUTHERN USED CARS 

SOUTHFIELD JEEP-EAGLE, INC. 
 SOUTHGATE FORD

 SOUTHLAND FORD INC 
 SOUTHPORT MOTORS

 SOUTHTOWNE ISUZU 
 SOUTHWEST AUTO
SALES 
 SPARKY AUTO SALES LLC 
 SPARTAN
LINCOLN MERCURY 
 SPARTANBURG CHRYSLER JEEP INC 
 SPIRIT FORD INC 
 SPITZER DODGE 
 SPITZER KIA 
 SPITZER MOTOR CITY 
 SPORT MAZDA 
 SPORT MITSUBISHI 
 ST LOUIS CARS & CREDIT INC 
 STAN’S CAR SALES 

STAR AUTO SALES 
 STARRS CARS AND TRUCKS, INC

 STEARNS MOTORS OF NAPLES 
 STEPHEN A
FINN AUTO BROKER 

 

	
	 DEALER NAME

	 STEVE AUSTINS AUTO GROUP INC

STEVE CALDWELL AUTOMOTIVE LLC
 STEVE MOORE
CHEVROLET
 STEVE RAYMAN CHEVROLET, LLC

STEWART AUTO GROUP OF
 STEWART MOTORS

STIENER AUTOMOTIVE GROUP
 STOKES AUTOMOTIVE
INC
 STOKES BROWN TOYOTA SCION
 STOKES
BROWN TOYOTA SCION
 STOKES HONDA CARS OF BEAUFORT
 STONE MOUNTAIN CHRYSLER JEEP
 STONECREST TOYOTA

STOUT SALES
 STRICKLAND AUTO SALES,
INC.
 STRIPLAND MOTOR COMPANY INC

STROM ALTMAN SUZUKI INC
 STYKEMAIN CHEVROLET
PONTIAC
 SUBARU OF DAYTON
 SUBARU OF
JACKSONVILLE INC.
 SUBARU SOUTH BLVD

SUBURBAN AUTO SALES
 SUBURBAN CHRYSLER JEEP
DODGE
 SUBURBAN FORD OF STERLING

SUBURBAN MOTORS INC
 SUBURBAN OF W.
MICHIGAN
 SULLIVAN BUICK GMC INC

SULLIVAN PONTIAC CADILLAC GMC
 SUMITT PRE-OWNED
OF DURHAM
 SUMMERVILLE FORD MERCURY INC

SUMMIT PLACE KIA CANTON
 SUMMIT PRE-OWNED OF
RALEIGH
 SUN HONDA
 SUN
TOYOTA
 SUNBELT’S FORD TWON OF ALBANY
 SUNCOAST CHRYSLER PLYMOUTH
 SUNCOAST KIA
 SUNNY FLORIDA MOTORS, INC.
 SUNNYSIDE TOYOTA

SUNRISE AUTOMOTIVE
 SUNSHINE AUTO BROKERS
INC
 SUNSTATE FORD
 SUNTRUP NISSAN
VOLKSWAGEN
 SUPER TOYS
 SUPERIOR
ACURA
 SUPERIOR AUTO SALES
 SUPERIOR
AUTOMOTIVE
 SUPERIOR CHEVROLET

SUPERIOR HONDA
 SUPERIOR MOTORS

SUPERIOR MOTORS NORTH
 SUPERIOR PONTIAC BUICK
GMC,INC
 SUPERSTORE BUYHERE PAYHERE LLC

SUPRA ENTERPRISES

	
	 DEALER NAME

 SUTHERLIN NISSAN 
 SUTHERLIN NISSAN MALL OF GA. 

SUTHERLIN NISSAN OF FT. MYERS 
 SUZUKI OF
GLENVIEW 
 SUZUKI OF NASHVILLE 

SWEENEY BUICK PONTIAC GMC 
 SWEENEY CHEVROLET

 SWEENEY CHRYSLER DODGE JEEP 
 SZOTT
FORD 
 T & L AUTO SALES 
 TAG AUTO

 TAMERON AUTOMOTIVE EASTERN 
 TAMERON
AUTOMOTIVE GROUP 
 TAMI AUTO SALES INC 

TAMIAMI FORD, INC. 
 TAMPA AUTO SOURCE INC

 TAMPA BAY AUTO FINANCE 
 TAMPA BAY
TRADING INC 
 TAMPA HONDALAND 
 TAPPER
AUTO SALES 
 TATE DODGE CHRYSLER JEEP INC 
 TAYLOR AUTO SALES 
 TAYLOR AUTO SALES INC. 
 TAYLOR MORGAN INC 
 TAYLOR’S AUTO SALES 

TEAM HONDA 
 TEAM NISSAN OF MARIETTA 

TED’S AUTO SALES, INC. 
 TELEGRAPH CHRYSLER
JEEP, INC. 
 TEMPEST MOTORS 
 TENNYSON
CHEVROLET, INC. 
 TERRY CULLEN CHEVROLET 
 TERRY LEE HONDA 
 TERRY REID KIA 
 TERRY’S AUTO SALES, INC. 
 THE 3445 CAR STORE, INC. 

THE AUTO GROUP LLC 
 THE CAR AND TRUCK STORE LLC

 THE CAR CABANA OF 
 THE CAR COMPANY
SUZUKI 
 THE CAR CONNECTION, INC. 
 THE
CAR MAN LLC 
 THE CAR SHACK 
 THE CAR
SHOPPE LLC 
 THE CAR STORE 
 THE CAR
STORE INC. 
 THE CARSMART GROUP LLC 

THE KIA STORE 
 THE LUXURY AUTOHAUS INC.

 THE MINIVAN PLACE 
 THE PEOPLES
PUBLIC AUTO AUCTIO 
 THE TRUCK FARM OF EASLEY 
 THOMAS & SON INC. 
 THOMAS AUTO MART, INC.

 

	
	 DEALER NAME

	 THOMAS CHEVROLET BUICK PONTIAC

THOMAS MOTORS OF ILLINOIS INC
 THOMASVILLE
TOYOTA
 THOMPSON AUTO CENTER LLC

THOMPSON AUTOMOTIVE, INC.
 THORNTON CHEVROLET,
INC
 THORNTON ROAD HYUNDAI
 THRIFTY CAR
SALES
 THURSTON FLEET SALES
 TIFFIN
FORD LINCOLN MERCURY
 TIM LALLY CHEVROLET, INC
 TIM MARBURGER DODGE CHRYSLER
 TNT CHRYSLER DODGE JEEP

TNT USED AUTO SALES, INC.
 TOM BUSH AUTO
PLEX
 TOM HOLZER FORD
 TOM KELLEY BUICK
GMC PONTIAC
 TOM SMITH TRADE IN LIQUIDATION
 TOM WOOD FORD
 TOM WOOD TOYOTA, INC.
 TOMLINSON MOTOR COMPANY OF
 TONY BETTEN & SONS FORD

TONY ON WHEELS, INC.
 TOP NOTCH AUTO
BROKERS
 TOTH BUICK
 TOWN &
COUNTRY AUTO & TRUCK
 TOWN & COUNTRY AUTO SALES, LLC
 TOWN & COUNTRY DODGE, INC
 TOWN & COUNTRY FORD, INC.

TOWN & COUNTRY SELECT
 TOWN CENTER
KIA
 TOWN CENTER NISSAN
 TOWNE EAST
AUTO
 TOWNSEND IMPORTS
 TOYOTA OF
ALBANY
 TOYOTA OF BEDFORD
 TOYOTA OF
CINCINNATI CO, INC.
 TOYOTA OF EASLEY

TOYOTA OF GREER
 TOYOTA OF HOLLYWOOD

TOYOTA OF LOUISVILLE, INC.
 TOYOTA OF
MCDONOUGH
 TOYOTA OF WINTER HAVEN

TOYOTA WEST/SCION WEST
 TRADEWINDS MOTOR
CENTER
 TRI COUNTY CHEVROLET & OLDS-
 TRIANGLE IMPORTS SALES AND
 TRI-CITY MOTORS INC #2

TRI-COUNTY CHRYSLER PRODUCTS
 TRI-COUNTY
MOTORS
 TRINITY AUTOMOTIVE
 TRL
MOTORS
 TROPICAL AUTO SALES
 TROPICAL
FORD

	
	 DEALER NAME

	 TROY FORD INC
 TRU AUTO BROKERS
INC
 TRUCK TOWN INC
 TRUSSVILLE
MOTORS
 TRYON AUTO MALL
 TWO RIVERS
USED CAR STORE
 TYRONE SQUARE MAZDA
 U
RIDE AUTO SALES
 ULTIMATE IMAGE AUTO, INC
 UNDERWOOD MOTORS INC
 UNION CITY NISSAN
 UNITED AUTO BROKERS
 UNITED SALES AND LEASING, INC

UNIVERSAL AUTO SALES OF PLANT
 UNIVERSAL
CHEVROLET CO
 UNIVERSITY AUTO & TRUCK
 UNIVERSITY CHEVROLET, INC
 UNIVERSITY HYUNDAI OF DECATUR

UNIVERSITY MOTORS
 URBAN AUTO SALES,
LLC
 US 1 CHRYSLER DODGE JEEP
 US
AUTOS, INC.
 US MOTORS
 USA
AUTO & LENDING INC
 USA MOTORCARS
 USED CAR FACTORY INC
 USED CAR SUPERMARKET
 V AND E ENTERPRISES
 VA BEACH AUTO SHOWCASE, INC.

VADEN NISSAN, INC.
 VAL WARD CADILLAC,
INC.
 VAN PAEMEL SALES
 VANN YORK
NISSAN, INC.
 VANN YORK PONTIAC BUICK GMC
 VANN YORK PONTIAC, INC.
 VARSITY LINCOLN MERCURY

VEHICLES 4 SALES, INC.
 VELOCITY MOTORS
INC
 VETERANS FORD
 VIC BAILEY HONDA,
INC.
 VIC BAILEY LINCOLN MERCURY
 VIC
BAILEY VOLKSWAGEN MAZDA
 VIC OSMAN LINCOLN MERCURY, INC
 VICTORIA MOTORS, LLC
 VICTORY CHEVROLET LLC
 VICTORY NISSAN
 VILLAGE AUTO OUTLET INC
 VILLAGE FORD INC
 VIN DEVERS, INC
 VINCE WHIBBS PONTIAC-GMC
 VOGUE MOTOR CO INC

VOLKSWAGON OF NEW PORT RICHEY
 VOLVO OF
MELBOURNE
 VOLVO OF TAMPA

 

	
	 DEALER NAME

 VOLVO SALES & SERVICE CENTER I 
 VORDERMAN MOTOR WERKS INC 

VW OF ORANGE PARK 
 W.P.B. AUTOMART/KIA

 WADE FORD INC 
 WADE RAULERSON BUICK
GMC 
 WADE RAULERSON HONDA 
 WALDORF
FORD, INC. 
 WALKER AUTO SALES 
 WALKER
FORD CO., INC. 
 WALLACE MAZDA 
 WALSH
AUTO BODY, INC 
 WARD AUTO SALES 

WAYLAND MOTOR SALES 
 WAYNE AUTO WORLD, INC

 WAYNESVILLE AUTO MART 
 WEINLE AUTO
SALES 
 WESH INC 
 WEST AUTO SALES LLC

 WEST COAST CAR & TRUCK SALES 

WEST END AUTO SALES & SERVICE 
 WEST
SIDE TOYOTA 
 WESTLAND MOTORS RCP, INC. 

WESTVIEW MOTORS, INC. 
 WHEEL N DEALIN

 WHEELS & DEALS AUTO SALES 

WHEELS MOTOR SALES 
 WHITE ALLEN CHEVROLET SUBARU

 WHITE ALLEN HONDA 
 WHITEWATER MOTOR
COMPANY INC 
 WHITTEN AUTO CENTER 

WHOLESALE DIRECT 
 WHOLESALE, INC 

WILLETT HONDA SOUTH 
 WILLIAMSBURG CHRY JEEP

 WILLS MOTOR SALES 
 WILMINGTON AUTO
CENTER 
 WILMINGTON MOTORS INC 
 WINTER
HAVEN CHRYSLER PLYMOUTH 
 WINTER PARK AUTO MALL CORP 
 WOODBRIDGE MOTORS, INC. 
 WOODY SANDER FORD, INC. 

WORLD AUTO 
 WORLD AUTO NET INC 

WORLD CAR CENTER & FINANCING 
 WORLD
FORD STONE MOUNTAIN 
 WORLEY AUTO SALES 

WOW CAR COMPANY 
 WYRICK AUTO SALES 

XL1 MOTORSPORTS, INC 
 XPERT AUTO 

X-TREME AUTO CENTER LLC 
 YADKIN ROAD AUTO MART

 YARK AUTOMOTIVE GROUP, INC

	
	 DEALER NAME

 YERBY BAUER AUTO SALES 
 YERTON LEASING & AUTO SALES 

YES U CAN USED AUTO SALES INC 
 YOU
SELECT AUTO SALES 
 YOUR DEAL AUTOMOTIVE 
 ZEIGLER CHRYSLER DODGE JEEP 
 ZOOM HOLDING GROUP LLCSUPPLEMENTAL EXECUTIVE RETIREMENT PLAN

 Exhibit 10.7 

 
 SUNTRUST BANKS, INC. 

SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN 
 Amended and Restated as of 
 January 1, 2011 

 SUNTRUST BANKS, INC. 
 SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN 
 Amended and Restated as of 

January 1, 2011 
 ARTICLE 1

 ESTABLISHMENT AND PURPOSE 
 SunTrust Banks, Inc. hereby amends and restates the SunTrust Banks, Inc. Supplemental Executive Retirement Plan as last amended and restated effective as of January 1, 2010 in the form of this SunTrust Banks,
Inc. Supplemental Executive Retirement Plan amended and restated as of January 1, 2011 (the “Plan”). Except as otherwise specifically provided in this document, the terms of this Plan shall apply only to a Participant who terminates
employment with SunTrust and all Affiliates after 2004 and has not commenced receiving payment of the benefits under the Plan prior to January 1, 2009. During the period from January 1, 2005 through December 31, 2008, the Plan has
operated in reasonable good faith compliance with Code section 409A and the transitional guidelines set forth in official IRS guidance. The Plan is maintained to provide a targeted level of post-retirement income for certain executives of SunTrust
and its Affiliates and to supplement the benefits provided under the SunTrust Banks, Inc. Retirement Plan and the SunTrust Banks, Inc. ERISA Excess Retirement Plan. 
 This Plan is intended to better enable SunTrust to deliver more competitive levels of total retirement income to its senior executives; to aid in the recruitment and retention of critical executive talent; and to
comply with Code section 409A and official guidance issued thereunder (except with respect to Grandfathered Amounts). Notwithstanding anything herein to the contrary, this Plan shall be interpreted, operated and administered in a manner consistent
with these intentions. 

  
 1 

 ARTICLE 2 
 DEFINITIONS 
 All capitalized terms used in this Plan and not defined in this document (including an Exhibit)
shall have the same meaning as in SunTrust’s Retirement Plan, as amended from time to time. The following capitalized terms will have the meanings set forth in this Article 2 whenever such capitalized terms are used throughout this Plan:

  

	2.1	Affiliate means as of any date any organization which is a member of a controlled group of corporations (within the meaning of Code section 414(b)) which includes SunTrust
or a controlled group of trades or businesses (within the meaning of Code section 414(c)) which includes SunTrust. 

  

	2.2	Beneficiary means one or more persons or entities entitled to receive any benefits payable under this Plan at the Participant’s death. A Participant may name one or
more primary Beneficiaries and one or more secondary Beneficiaries. A Participant may revoke a Beneficiary designation by filing a new Beneficiary Designation Form or a written revocation with the Committee. If the Committee is not in receipt of a
properly completed Beneficiary Designation Form at the Participant’s death, or if none of the Beneficiaries named by the Participant survives the Participant or is in existence at the date of the Participant’s death, then the
Participant’s Beneficiary shall be the Participant’s estate. 

  

	2.3	Beneficiary Designation Form means the form that a Participant uses to name his Beneficiary or Beneficiaries for purposes of this Plan. 

 

	2.4	Board means the Board of Directors of SunTrust. 

  

	2.5	Cause means for purposes of this Plan and as determined by the Committee, in its sole discretion, one or more of the following actions that serves as the primary reason(s)
for the termination of the Participant’s employment with SunTrust or an Affiliate: 

	 	(a)	the Participant’s willful and continued failure to perform his job duties in a satisfactory manner after written notice from SunTrust to Participant and a thirty
(30) day period in which to cure such failure; 

  

	 	(b)	the Participant’s conviction of a felony or engagement in a dishonest act, misappropriation of funds, embezzlement, criminal conduct or common law fraud;

  
 2 

	 	(c)	the Participant’s material violation of the Code of Business Conduct and Ethics of SunTrust or the Code of Conduct of an Affiliate; 

 

	 	(d)	the Participant’s engagement in an act that materially damages or materially prejudices SunTrust or an Affiliate or the Participant’s engagement in activities
materially damaging to the property, business or reputation of SunTrust or an Affiliate; or 

  

	 	(e)	the Participant’s failure and refusal to comply in any material respect with the current and any future amended policies, standards and regulations of SunTrust, any
Affiliate and their regulatory agencies, if such failure continues after written notice from SunTrust to the Participant and a thirty (30) day period in which to cure such failure, or the determination by any such governing agency that the
Participant may no longer serve as an officer of SunTrust or an Affiliate. 

 Notwithstanding anything herein to the
contrary, if a Participant is subject to the terms of a change in control agreement with SunTrust (the “Change in Control Agreement”) at the time of his termination of employment with SunTrust or an Affiliate, solely for purposes of such
Participant’s benefits under the Plan, “Cause” shall have the meaning provided in the Change in Control Agreement. 
  

	2.6	Code means the Internal Revenue Code of 1986, as amended. 

  

	2.7	Committee means the Compensation Committee of the Board. 

  

	2.8	Disabled or Disability means a Participant is, by reason of any medically determinable physical or mental impairment which can be expected to result in death or can
be expected to last for a continuous period of not less than twelve (12) months, receiving income replacement benefits for a period of not less than three (3) months under an accident and health plan covering employees of the
Participant’s employer and, in addition, has begun to receive benefits under SunTrust’s Long-Term Disability Plan. 

  

	2.9	ERISA means the Employee Retirement Income Security Act of 1974, as amended. 

 

	2.10	ERISA Excess Plan means the SunTrust Banks, Inc. ERISA Excess Plan, as amended. 

 

	2.11	 Grandfathered Amounts mean Plan benefits that were earned and vested as of December 31, 2004 within the meaning of Code section 409A and pursuant to
the terms of the Plan in effect on 

  
 3 

	 	
October 3, 2004. Grandfathered Amounts are exempt from Code section 409A and subject to the distribution rules in effect under the Plan on October 3, 2004. 

 

	2.12	Key Employee means an employee treated as a “specified employee” as of his Separation from Service under Code section 409A(a)(2)(B)(i) (i.e., a key employee (as
defined in Code section 416(i) without regard to section (5) thereof)) if the common stock of SunTrust or an Affiliate is publicly traded on an established securities market or otherwise. Key Employees shall be determined in accordance with
Code section 409A using a December 31 identification date. A listing of Key Employees as of an identification date shall be effective for the twelve (12) month period beginning on the April 1 following the identification date.

  

	2.13	MIP means the SunTrust Banks, Inc. Management Incentive Plan as in effect from time to time or any successor or replacement short-term bonus plan or any substitute plan
designated by the Committee. If a Participant does not participate in the MIP because he is participating in a functional incentive plan or some other similar incentive plan, then MIP shall mean for such Participant the amount of the bonus under
such other plan, which shall be used as the MIP portion of such Participant’s SERP Compensation, except that if the amount of the bonus under such other plan exceeds the target MIP amount for that year for a similarly structured position, then
the target MIP amount will be used instead of the bonus from such other plan in determining such Participant’s SERP Compensation. If there is any material change in the terms, operation or administration of the MIP following a Change in Control
as defined in Article 13, then MIP means any successor to such plan in which the Participant is eligible to participate and which provides an opportunity for a bonus for the Participant which is comparable to the opportunity which the Participant
had under such plan before such Change in Control. 

  

	2.14	Other Retirement Arrangement means any plan, program, arrangement or agreement maintained by SunTrust or an Affiliate as described in Exhibit A to this Plan.

  

	2.15	Other Retirement Arrangement Benefit means for each Participant who is eligible for a benefit under any Other Retirement Arrangement, the benefit payable to that
Participant pursuant to that Other Retirement Arrangement. 

  

	2.16	 Participant means each executive of SunTrust or an Affiliate described in Article 3. Effective as of January 1, 2001, a Participant shall be
classified as a Tier 1 Participant or a Tier 2 Participant, as determined by the Committee, and his or her benefit under the Plan, if any, shall be determined in accordance with such classification. In the event an executive becomes a

  
 4 

	 	
Participant in the Plan after December 31, 2004, such Participant shall be classified as a Tier 2 Participant unless otherwise specifically designated by the Committee.

  

	2.17	Plan means this SunTrust Banks, Inc. Supplemental Executive Retirement Plan, as reflected in this document, including appendices and exhibits, as amended (or as amended
and restated) from time to time. 

  

	2.18	PUP means the SunTrust Banks, Inc. Performance Unit Plan effective from time to time or any successor or replacement long-term bonus plan or any substitute plan designated
by the Committee for performance cycles ending on or before December 31, 2007. 

  

	2.19	Retirement Date means for each Participant, the date he or she reaches age 65. 

 

	2.20	Retirement Plan means either the SunTrust Banks, Inc. Retirement Plan or the SunTrust Banks, Inc. Retirement Plan for Inactive Participants in which the Participant has an
accrued benefit, as such plan is amended and restated from time to time, and any successor plan; 

  

	2.21	Separation from Service means a “separation from service” within the meaning of Code section 409A. 

 

	2.22	SERP Average Compensation means for each Participant who terminates employment with SunTrust and all Affiliates on or after January 1, 2001, the average of such
Participant’s SERP Compensation for the three (3) full calendar years out of the five (5) full calendar years immediately preceding the date as of which his or her SERP Benefit is determined that will produce the largest amount.
Effective November 12, 2002, SERP Average Compensation means for each Tier 1 Participant and each Tier 2 Participant who terminates employment with SunTrust and all Affiliates on or after November 12, 2002, the average of such
Participant’s SERP Compensation for the three (3) full calendar years out of the ten (10) full calendar years immediately preceding the date as of which his or her SERP Benefit is determined that will produce the largest amount. If a
Participant became an employee of SunTrust or an Affiliate in connection with a corporate merger or acquisition, the Committee shall determine on the date such Participant becomes eligible to participate in the Plan under Article 3 to what extent,
if any, such Participant’s compensation with the predecessor employer shall be included as his SERP Compensation under this Plan. 

  

	2.23	SERP Benefit means the “SERP Benefit” under the Plan determined as follows: 

  
 5 

	 	(a)	General. SERP Benefit means for each Participant who is designated by the Committee as eligible for a SERP Benefit under this Plan, the annual benefit that would have been
payable on or after the Participant’s Retirement Date in the form of a life only annuity which is equal to the following, as applicable: 

  

	 	(1)	If a Participant is a Tier 1 Participant, his or her SERP Benefit is equal to (i) or (ii), whichever is greater, minus (iii), where: 

	 	(i) =	the Reduction Factor x (60% x his or her SERP Average Compensation); and 

	 	(ii) =	60% x his or her SERP Average Compensation as of December 31, 2007; and 

	 	(iii) =	(A + B + C + D) as described in Section 2.23(a)(3). 

 For purposes of this Section 2.23(a)(1), the term “Reduction Factor” means 96.3%. 
  

	 	(2)	If a Participant is a Tier 2 Participant, his or her SERP Benefit is equal to (i) plus (ii) minus (iii), where: 

	 	(i) =	2% x his or her SERP Service as of December 31, 2007 (up to twenty-five (25) years) x his or her SERP Average Compensation as of December 31, 2007 (the “Tier
2 Frozen Benefit”); 

	 	(ii) =	 For a Participant with less than twenty-five (25) years of SERP Service as of December 31, 2007, the annual benefit which is the Actuarial Equivalent
(as defined in the Retirement Plan) to the amount that would have been credited to the Personal Pension Account (as defined in the Retirement Plan), if any, under the Retirement Plan absent the limitations of Code section 415 and Code section
401(a)(17) (“SERP Personal Pension Account”). For purposes of determining the portion of the Participant’s SERP Benefit attributable to his or her Personal Pension Account (as defined in the Retirement Plan), if any, (A) no
Participant shall receive credits under this Section 2.23(a)(2)(ii) that would have been credited to the Personal Pension Account as Pay Credits (as defined in the Retirement Plan) after completing twenty-five (25) years of SERP Service,
and (B) PPA Compensation (as defined in the Retirement Plan) shall include: (a) the amount of any elective deferrals (for the calendar year in which earned and not when deferred) from the MIP and any SunTrust functional incentive plan (or
any successor or similar 

  
 6 

	 	
incentive or short-term bonus plan as determined by the Committee) (“FIP”) deferred into the SunTrust Banks, Inc. Deferred Compensation Plan, as amended from time to time (the
“Deferred Compensation Plan”); provided, that the amount of any such FIP or other incentive or short term bonus plan may not exceed the target MIP amount for that same calendar year for a similarly structured position; and (b) the
amount of any “Mandatory Deferral” (as defined in the Deferred Compensation Plan) vesting in such year; provided, that such Mandatory Deferral amount shall not be included as PPA Compensation in any future year. 

 

	 	(iii) =	(A + B + C + D) as described in Section 2.23(a)(3); 

 Provided, that in no event shall the SERP Benefit for a Tier 2 Participant with an accrued benefit as of December 31, 2007 be less than (iv) or (v), whichever is greater (the “Tier 2 Minimum
Benefit”), minus (vi), where: 
  

	 	(iv) =	such Participant’s Tier 2 Frozen Benefit + (1.75% x his or her SERP Average Compensation x his or her SERP Service after December 31, 2007 (up to twenty-five
(25) years, including the SERP service at December 31, 2007); 

  

	 	(v) =	1.75% x his or her SERP Average Compensation x his or her SERP Service (up to twenty-five (25) years, including the SERP Service at December 31, 2007)); and

  

	 	(vi) =	(A + B + C + D) as described in Section 2.23(a)(3). 

  

	 	(3)	For purposes of the formulae in Sections 2.23(a)(1) and (2), 

	 	A =	such Participant’s annual Social Security benefit at age 65; 

	 	B =	such Participant’s annual Retirement Plan benefit, if any; 

	 	C =	such Participant’s annual benefit under the ERISA Excess Plan, if any; 

 and 

	 	D =	such Participant’s annual Other Retirement Arrangement Benefit, if any. 

 If any benefit payable under A through D is payable in a form other than a life only annuity or such benefit is payable at a time other than the date as of which the SERP Benefit is paid, such benefit will be
converted to a life only annuity 

  
 7 

 
payable as of the same date as the SERP Benefit using the actuarial factors then in effect to make such conversions under the Retirement Plan. 

 

	 	(b)	Special Lump Sum Calculation. Notwithstanding the foregoing, this Section 2.23(b) shall apply for purpose of calculating the SERP Benefit payable to or on behalf of a
Participant designated by the Committee and named in Exhibit B attached to this Plan if the SERP Benefit of such Participant is paid in a lump sum. The amount of the SERP Benefit payable to or on behalf of such Participant will equal the
present value, determined as described below, of the greater of the SERP Benefit determined under Section 2.23(a)(1)(i) or (ii), less the sum of (A + B + C + D) where, 

	 	A =	the present value, determined as described below, of such Participant’s annual Social Security benefit at age 65; 

	 	B =	the lump sum benefit paid to such Participant under the Retirement Plan or, if the Participant’s benefit under the Retirement Plan is not paid in a lump sum, the amount that
would have been payable to such Participant as a lump sum under the Retirement Plan; 

	 	C =	such Participant’s benefit under the ERISA Excess Plan, or, if this benefit is not paid in a lump sum, the amount that would have been payable if the Participant’s
benefit under the ERISA Excess Plan had been paid in a lump sum; and 

	 	D =	the present value, determined as described below, of such Participant’s Other Retirement Arrangement Benefits, if any. 

For purposes of this Section 2.23(b), “present value” is determined using the same interest rate and mortality assumptions used for
calculating lump sum payments under the Retirement Plan as in effect on December 31, 1995, including the interest rate published by the Pension Benefit Guaranty Corporation (“PBGC”), and when the PBGC rate is no longer published, the
interest rate will be (i) the rate that would be used to calculate a lump sum paid from the Retirement Plan less (ii) the average monthly difference between the PBGC rate and the Retirement Plan rate for the five (5) year period
ending on the date the PBGC rate was last published. 
  

	2.24	SERP Compensation means the compensation used to determine the SERP Benefit, as follows: 

	 	(a)	Tier 1 Participant. For a Tier 1 Participant who terminates employment with SunTrust and all Affiliates on or after January 1, 2001, SERP Compensation means the
Participant’s compensation paid for a full calendar year from SunTrust and each Affiliate which is attributable to the sum of the following amounts: 

	 	(1)	 such Participant’s annual base salary actually paid for the year (disregarding any elective deferrals by such Participant pursuant to any cafeteria plan
under Code section 125 or any qualified plan under Code section 401(k) or any nonqualified 

  
 8 

	 	
plan and any pre-tax reductions for parking). For the designated Tier 1 Participants listed in Exhibit C, their annual base salary for the 2010 and 2011 calendar years, respectively, shall
include the specified dollar amount listed by each such Participant’s name for the applicable year (subject to restrictions in Exhibit C), which represents the value of “salary shares” that the Committee has denominated as part
of each such Participant’s 2010 or 2011 base salary, respectively, to be used in calculating benefits under certain benefit plans, including this Plan; and 

 

	 	(2)	the amount of the cash bonuses such Participant earns under the MIP and the PUP, if any, for the year, without regard to whether any such bonus may be subject to elective
deferral or, if not deferred, may be paid in the year following the calendar year in which such bonus is earned. Notwithstanding the preceding provision, the amount of the PUP that may be included in SERP Compensation for any calendar year beginning
on or after January 1, 2005, shall not exceed the corresponding payout level (at minimum, target or maximum) established for the Tier 1 Participant’s February 2004 PUP award. As allowed by Section 2.18, the Committee has designated a
substitute plan to be treated as though it were the PUP award earned for the 2003-2005 cycle as described in the following sentence. The fair market value on the date of vesting of a Tier 1 Participant’s February 11, 2003 restricted stock
grant shall be used in the same manner in calculating such Participant’s SERP Compensation as if it were the amount of the PUP cash award earned for the cycle including 2003-2005. In no event shall any amounts be treated as a PUP award or be
included in SERP Compensation as a substitute for a PUP award in calendar years beginning after December 31, 2007. 

  

	 	(b)	Tier 2 Participant. For a Tier 2 Participant, SERP Compensation means such Participant’s compensation paid for a calendar year from SunTrust and each Affiliate which
is attributable to the sum of the following amounts: 

	 	(1)	 such Participant’s annual base salary actually paid for the year (disregarding any elective deferrals by such Participant pursuant to any cafeteria plan
under Code section 125 or any qualified plan under Code section 401(k) or any nonqualified plan and any pre-tax reductions for parking). For the designated Tier 2 Participants listed in Exhibit C, their annual base salary for the 2010 and
2011 calendar years, respectively, shall include the specified dollar amount listed by each such Participant’s name for the applicable year (subject to restrictions in 

  
 9 

	 	
Exhibit C), which represents the value of “salary shares” that the Committee has denominated as part of each such Participant’s 2010 or 2011 base salary, respectively, to be
used in calculating benefits under certain benefit plans, including this Plan; and 

	 	(2)	the amount of the cash bonus such Participant earns under the MIP for the year, without regard to whether such bonus may be subject to elective or mandatory deferral or, if not
deferred, may be paid in the year following the calendar year in which such bonus is earned. 

  

	2.25	SERP Service means, effective January 1, 2001, a Participant’s whole and partial “years of benefit service” as calculated under the Retirement Plan
(including his “prior benefit service” under the Retirement Plan). If a Participant terminates employment with SunTrust and all Affiliates and is subsequently rehired by SunTrust or an Affiliate, he or she shall not accrue any additional
SERP Service following his or her reemployment unless the Committee again designates him or her as a Tier 1 or a Tier 2 Participant. If a Participant became an employee of SunTrust or an Affiliate in connection with a corporate merger or
acquisition, the Committee shall determine upon the date such Participant becomes eligible to participate in this Plan under Article 3 to what extent, if any, such Participant’s service with the predecessor employer shall be included as his
SERP Service under this Plan. 

  

	2.26	SunTrust means SunTrust Banks, Inc. or any successor to SunTrust Banks, Inc. 

 

	2.27	Tier 1 Participant means an employee of SunTrust or an Affiliate who is designated by the Committee as a Tier 1 Participant and listed as a Tier 1 Participant on
Exhibit D. 

  

	2.28	Tier 2 Participant means an employee of SunTrust or an Affiliate who is designated by the Committee as a Tier 2 Participant and listed as a Tier 2 Participant on
Exhibit D and any Participant who joins the Plan after December 31, 2004, unless the Committee specifically designates otherwise. 

  

	2.29	Vested Date means: 

	 	(a)	the applicable date specified on Exhibit E for those individuals listed on Exhibit E for whom the Committee has designated a special vesting date; and

  

	 	(b)	for a SERP Benefit not described in any other subsection of this Section 2.29, the date a Participant completes ten (10) whole years of SERP Service and reaches age 60.

  
 10 

 ARTICLE 3 
 PARTICIPATION 
 Each executive of SunTrust or an Affiliate who is eligible for one or more benefits under this
Plan will be a Participant in this Plan to the extent of the benefits for which he or she is eligible and will remain a Participant until all such benefits are paid to or on behalf of such Participant or forfeited in accordance with the terms of
this Plan. 
 The Committee will designate those executives who are eligible for a SERP Benefit and will also designate each eligible executive as a Tier
1 Participant or a Tier 2 Participant. After December 31, 2010, SunTrust does not expect to add any new Participants to this Plan. 
 Subject to
Article 13, the Committee in its absolute discretion may revoke or change any such designation at any time but no such revocation or change will be applied retroactively to deprive an individual of vested benefits accrued under this Plan to the date
of such revocation or change. Eligibility for an Other Retirement Arrangement Benefit will depend upon the terms of the applicable Other Retirement Arrangement. 
 ARTICLE 4 
 SERP BENEFIT 

 

	4.1	Amount. 

	 	(a)	Normal or Delayed Retirement Benefit. If a Participant terminates employment with SunTrust and all Affiliates on or after such Participant’s Retirement Date, the
entire vested benefit, if any, to which such Participant is entitled under this Plan shall be determined as soon as practicable following the date of such Participant’s termination of employment and shall be paid in accordance with
Section 4.2. 

  

	 	(b)	Early Retirement Benefit. 

	 	(1)	 General. If a Participant terminates employment with SunTrust and all Affiliates on or after such Participant’s Vested Date but before his or her
Retirement Date, such Participant’s entire vested benefit, if any, under this Plan (except an Other Retirement Arrangement Benefit) will be determined (taking into account the applicable reductions under Section 4.1(b)(2) through
Section 4.1(b)(4)) as of the 

  
 11 

	 	
date he or she terminates employment. Such benefit shall be paid in accordance with Section 4.2. 

 

	 	(2)	Tier 1 Reduction. For purposes of determining the SERP Benefit payable to a Tier 1 Participant before his or her Retirement Date, the product of the applicable formula
under Section 2.23(a)(1)(i) or (ii) will be reduced by a fraction, the numerator of which is such Participant’s SERP Service as of the date he or she terminates employment with SunTrust and Affiliates and the denominator of which is
the SERP Service such Participant would have had if he or she had continued in employment with SunTrust and Affiliates until such Participant’s Retirement Date. 

 

	 	(3)	Tier 2 Reduction. For purposes of determining the SERP Benefit payable to a Tier 2 Participant before his or her Retirement Date, the SERP Benefit accrued under the
applicable formula stated in Section 2.23(a)(2) through such Participant’s termination of employment with SunTrust and all Affiliates will be reduced by the same early retirement reduction factors that are used in the Retirement Plan as of
December 31, 2007 to reduce the Future Service Benefit (i.e., 5/12% for each full month by which such Participant’s early retirement date precedes his or her Retirement Date, except that if the Participant was hired by SunTrust before
July 1, 1990, the reduction is from the first day of the month on or immediately following the date when such Participant would have attained age 60); and provided further that the portion of the SERP Benefit attributable to the SERP Personal
Pension Account (if any) shall be reduced on an Actuarial Equivalent basis. 

  

	 	(4)	 Designated Participant Reduction. This Subsection 4.1(b)(4) shall apply only to a Tier 1 Participant who is specifically designated by the Committee as
eligible for the following special retirement reduction (a “Designated Participant”), instead of the reduction in Section 4.1(b)(2), and who is listed as a “Designated Participant” on Exhibit F. For purposes of
determining the SERP Benefit payable to such a Designated Participant who elects early retirement after his or her Vested Date and prior to attaining age 60, the product of the applicable formula under Section 2.23(a)(1)(i) or (ii) will be
reduced by a fraction, the numerator of which is such Participant’s SERP Service as of his or her early retirement date and the denominator of which is the SERP Service such Participant would have completed if he or she had continued in
employment with SunTrust and Affiliates 

  
 12 

	 	
until such Participant’s Retirement Date, and then further reduced by a factor of 5/12% for each full calendar month by which such Participant’s early retirement date precedes the date
he or she would attain age 60. 

  

	 	(c)	Termination Before Vested Date. Except to the extent a survivor benefit is payable on behalf of a Participant under Section 4.3 or except as provided in Article 13,
no benefit will be payable under this Plan to or on behalf of a Participant whose employment with SunTrust and all Affiliates terminates before the Vested Date for that particular benefit. 

 

	 	(d)	Special Disability Assumption for SERP Benefit. If a Participant becomes Disabled before his Separation from Service, then the amount of the SERP Benefit payable to such
Participant will be calculated using the same service assumptions that are used to calculate the Participant’s benefit under the Retirement Plan and assuming that the annual base salary component of such Participant’s SERP Compensation
continues in effect at the same rate as earned at the time such Disability begins, and further assuming that the MIP component of such Participant’s SERP Compensation for any year, and also for a Tier 1 Participant, the PUP component for years
prior to 2008, during the Participant’s Disability, are equal to the target MIP and target PUP amounts, if any, for that year that would be payable to a SunTrust executive in a similar position as such Participant held at the time of his
Disability, as determined by the Committee in its sole discretion. If such a Participant is eligible for benefits under this Section 4.1(d), payment of the Participant’s SERP Benefit shall be made in accordance with Section 4.2.
Notwithstanding the foregoing, for a Participant listed in Exhibit C that becomes Disabled during 2010 or 2011, respectively, and before his Separation from Service, the amount of the annual base salary component of the Participant’s
SERP Compensation assumed to continue, as described above, shall include the value of the “salary shares” listed by the Participant’s name for the applicable year in Exhibit C; provided, however, such value shall only be
included in the Participant’s assumed SERP Compensation for the balance of the 2010 or 2011 calendar year, respectively. 

4.2      Time and Form of Benefit Payable to Participants. A Participant’s entire vested SERP Benefit under this Plan
(other than Grandfathered Amounts) will be paid at the time and in the form determined in accordance with the applicable provisions of the SunTrust Banks, Inc. ERISA Excess Retirement Plan, including any required six-month delay in payment for Key
Employees. Notwithstanding the foregoing, if a lump sum is payable to a Participant designated in Exhibit B, the amount of the lump sum will be calculated in accordance with the special lump sum calculation in Section 2.23(b). If the
SERP Benefit is payable after the date of a Participant’s Separation from Service (including as a result of the six month 

  
 13 

 
delay in payment for a Key Employee), interest shall accrue from the date of determination of such amount in the same manner and at the same rate as would accrue on the Personal Pension Account
under the Retirement Plan until payment commences. 
  

	4.3	Survivor Benefit. 

	 	(a)	General. If a Participant who is an active SunTrust employee and eligible for a SERP Benefit (determined without regard to whether he or she is vested) or if a Participant
who has a vested SERP Benefit dies before he or she has received or begun to receive payment of his or her SERP Benefit, a survivor benefit automatically will be payable on such deceased Participant’s behalf under this Plan in the amount
described in this Section 4.3. 

  

	 	(b)	Time and Form of Payment. The survivor benefit determined under this Section 4.3 based on the SERP Benefit other than Grandfathered Amounts shall be paid in
accordance with Section 4.2. 

  

	 	(c)	Survivor Benefit for Spouse. If the Participant’s sole Beneficiary is the Participant’s surviving spouse, the survivor benefit payable to such spouse under this
Plan will be calculated as follows: 

	 	(1)	Step One – For a Tier 1 Participant, determine the product of the formula in either Section 2.23(a)(1)(i) or Section 2.23(a)(1)(ii) that produces the greater
amount. For a Tier 2 Participant, the amount which is greater between (y) the sum of Section 2.23(a)(2)(i) plus Section 2.23(a)(2)(ii), and (z) the Tier 2 Minimum Benefit (as defined in Section 2.23(a)(2)).

  

	 	(2)	Step Two – Determine the time as of which the benefit under the Retirement Plan would have been paid to the Participant, which is the later of the date the Participant would
have reached age 55 or the date of the Participant’s death (“Annuity Commencement Date”), and reduce the amount determined under Step One for early commencement, if applicable, as follows: 

	 	(i)	 If the Participant is a Tier 1 Participant and if the Annuity Commencement Date is before the date such Participant would have reached age 65, the amount
determined under Step One above will be multiplied by a fraction, the numerator of which is the Tier 1 Participant’s SERP Service as of the date of his or her death and the denominator of which is the SERP Service the Tier 1 Participant would
have had if he or 

  
 14 

	 	
she had survived and continued in employment with SunTrust or an Affiliate until his or her Retirement Date, and 

 

	 	(ii)	If the Annuity Commencement Date is before the date the Tier 1 Participant would have reached age 60, or if the Participant is a Tier 2 Participant, then the amount determined in
Step One, as reduced in Step Two (i) above, if applicable, will be reduced further by the same early retirement reduction factors that are used in the Retirement Plan to reduce the Future Service Benefit (i.e., 5/12% for each full month by
which such Participant’s early retirement date precedes the first day of the month on or immediately following the date when he or she would have attained age 65, except that in the case of a Participant who was hired by SunTrust before
July 1, 1990, the reduction is from the first day of the month on or immediately following the date when such Participant would have attained age 60). 

 

	 	(iii)	This subparagraph 4.3(c)(2)(iii) shall apply only to a Participant who is designated by the Committee as eligible for the following special reduction (a “Designated
Participant”) and who is listed on Exhibit E as a Designated Participant for purposes of this subparagraph. If the Annuity Commencement Date is before the date such Designated Participant would have reached age 60, then the reduction in
Step Two (ii) is not used and the amount determined in Step One as reduced in Step Two (i) above will be reduced further by a factor of 5/12% for each full calendar month by which such Designated Participant’s date of death precedes
the date he or she would have attained age 60. 

  

	 	(3)	Step Three – Convert the amount determined under Step Two above as follows: 

	 	(i)	For a Tier 1 Participant, convert to a 100% joint and survivor annuity payable monthly as of the Annuity Commencement Date based on the ages the surviving spouse and such
Participant would have attained as of the Annuity Commencement Date, and 

	 	(ii)	 For a Tier 2 Participant who ceases to be an active SunTrust employee prior to October 1, 2010, convert to a 50% joint and survivor annuity payable monthly
as of the Annuity Commencement Date based on the ages the surviving spouse and such Participant would have attained as of the Annuity Commencement Date; and for a Tier 2 Participant who is

  
 15 

	 	
an active SunTrust employee on or after October 1, 2010, convert to a 100% joint and survivor annuity payable monthly as of the Annuity Commencement Date based on the ages the surviving
spouse and such Participant would have attained as of the Annuity Commencement Date; provided, however, any increase in the survivor benefit attributable to the amendment of this section changing the benefit from a 50% to a 100% joint and survivor
annuity is subject to Code section 409A and shall be paid in accordance with Section 4.2. 

  

	 	(4)	Step Four – Determine the time as of which the benefit will be paid under Section 4.3(e) and convert the survivor portion of the annuity determined under Step Three to
a lump sum using the actuarial factors then in effect under the Retirement Plan to make such conversion or, if applicable, the factors under Section 2.23(b). 

 

	 	(5)	Step Five – Reduce the amount determined in Step Four above by the sum of (A + B + C + D), where -- 

	 	A =	the present value, determined as described below, of the Social Security survivor benefit that would have been payable to the spouse based on the Participant’s employment
when the Participant would have reached age 65; 

	 	B =	the lump sum survivor benefit payable to such spouse under the Retirement Plan or, if the survivor benefit under the Retirement Plan is not paid in a lump sum, the amount that
would have been payable to such spouse as a lump sum under the Retirement Plan; 

	 	C =	the lump sum survivor benefit payable to the surviving spouse under the ERISA Excess Plan or, if the survivor benefit under the Excess Plan is not paid in a lump sum, the amount
that would have been payable to such spouse if the survivor benefit under the Excess Plan had been paid in a lump sum; and 

	 	D =	the present value, determined as described below, of the survivor benefit payable under any Other Retirement Arrangement, if any, regardless of whether the Beneficiary is the
surviving spouse or someone else. 

 “Present value” is determined using the actuarial factors then in effect
under the Retirement Plan to calculate lump sums or, if applicable, the factors under Section 2.23(b). 

  
 16 

	 	(d)	Survivor Benefit for Non-Spouse Beneficiary. If the survivor benefit under this Plan is payable to a non-spouse Beneficiary, it will be calculated in the same manner as
the survivor benefit under Section 4.3(c) by substituting the non-spouse Beneficiary for the spouse except that the conversion to a 100% joint and survivor annuity in the case of a deceased Tier 1 Participant or the conversion to a 50% or 100%
joint and survivor annuity, as applicable, in the case of a deceased Tier 2 Participant, as described in Step Three and to an actuarially equivalent lump sum under Steps Four and Five of Section 4.3(c)(4) and (5) will be based on the
assumption that the Beneficiary is the same age as the Participant. If the non-spouse Beneficiary is not a person but is an entity (such as a trust or an estate), the survivor benefit shall be calculated in the same manner as described in this
Section 4.3(d) for a non-spouse Beneficiary who is a person. 

  

	 	(e)	Multiple Beneficiaries. If the survivor benefit is payable to two or more beneficiaries, the amount allocable to each Beneficiary shall be determined by allocating the
amount resulting from applying Step One and Step Two of Section 4.3(c)(1) and (2) pro rata to each Beneficiary according to the Participant’s direction on the Beneficiary designation form. If the Participant’s spouse is one of
the multiple beneficiaries, then the amount of such spouse’s survivor benefit shall be determined by applying Steps Three, Four and Five of Section 4.3(c)(3), (4) and (5) to such spouse’s allocable share. For a non-spouse
Beneficiary, the same procedure shall be used as used for the Participant’s spouse who is one of multiple beneficiaries except that in applying Steps Three, Four and Five of Section 4.3(c)(3), (4) and (5), the non-spouse Beneficiary
shall be assumed to be the same age as the Participant. 

  

	 	(f)	No Post-Retirement Survivor Benefits. No survivor benefit will be paid on behalf of a Participant who dies after he or she has received or has begun receiving benefits
under this Plan except to the extent such survivor benefit is payable under the form of benefit being paid to the Participant at his or her death. 

  

	4.4	 Transferred SERP Benefits. In the event a Participant changes from a position eligible to participate in the Plan to one that is not eligible for any
reason, such Participant shall cease to participate and accrue benefits under the Plan as of such date. The Committee, or its delegate, shall determine, in its or his sole discretion, the portion of such Participant’s SERP Benefit subject to
Code section 409A as of the date of such change and shall credit the present value of such benefit to an account in the SunTrust Banks, Inc. Deferred Compensation Plan (the “Deferred Compensation Plan”) as soon as practicable following
such date. Such Participant will thus no 

  
 17 

	 	
longer be eligible to receive that portion of the SERP Benefit from this Plan; provided, however, other than as specifically set forth in the Deferred Compensation Plan, such amount and the
earnings thereon shall remain subject to the terms and conditions of this Plan, including the time and form of payment established in compliance with Code section 409A. 

ARTICLE 5 
 OTHER RETIREMENT
ARRANGEMENT BENEFIT 
 If a Participant who is eligible for an Other Retirement Arrangement Benefit terminates employment with SunTrust and all
Affiliates on or after the date the Participant is vested in such benefit, his or her eligibility for the Other Retirement Arrangement Benefit, if any, to which such Participant is entitled and the eligibility for any survivor benefits payable on
such Participant’s behalf under such Other Retirement Arrangement shall be determined under the terms of such Other Retirement Arrangement; provided, however, to the extent any portion of such Other Retirement Arrangement Benefit or survivor
benefits is subject to Code section 409A, the time and form of payment of such amounts shall be determined in accordance with Section 4.2. 
 ARTICLE 6 
 FORFEITURE 
 The Committee, in its sole discretion, may make any payments under this Plan subject to forfeiture on such terms and conditions as the Committee deems appropriate under the circumstances to protect the interests of
SunTrust. Further, if the Participant is terminated from employment with SunTrust or one of its Affiliates for Cause, the Committee in its discretion may forfeit entirely any benefits payable under this Plan. Forfeiture under this Article 6 shall be
in addition to any other remedies which may be available to SunTrust or an Affiliate at law or in equity. 
 ARTICLE 7 

SOURCE OF BENEFIT PAYMENTS 
 All benefits
payable under the terms of this Plan shall be paid by SunTrust from its general assets. No person shall have any right or interest or claim whatsoever to the payment of a benefit under this Plan from any person whomsoever other than SunTrust, and no
Participant or Beneficiary shall have any right 

  
 18 

 
or interest whatsoever to the payment of a benefit under this Plan which is superior in any manner to the right of any other general and unsecured creditor of SunTrust. 

ARTICLE 8 
 NOT A CONTRACT
OF EMPLOYMENT 
 Participation in this Plan does not grant to any individual the right to remain an employee of SunTrust or any Affiliate for any
specific term of employment or in any specific capacity or at any specific rate of compensation. 
 ARTICLE 9 

NO ALIENATION OR ASSIGNMENT 
 A Participant, a
spouse or a Beneficiary under this Plan shall have no right or power whatsoever to alienate, commute, anticipate or otherwise assign at law or equity all or any portion of any benefit otherwise payable under this Plan, and SunTrust shall have the
right, in the event of any such action, to terminate permanently the payment of benefits to, or on behalf of, any Participant, spouse or Beneficiary who attempts to do so. 
 ARTICLE 10 
 ERISA 
 SunTrust intends that this Plan come within the various exceptions and exemptions to ERISA for a plan maintained for a “select group of management or highly compensated employees” as described in ERISA
sections 201(2), 301(a) (3), and 401(a) (1), and any ambiguities in this Plan shall be construed to affect that intent. 
 ARTICLE 11

 AMENDMENT AND TERMINATION 
  

	11.1	 Amendment or Termination. SunTrust reserves the right to amend or terminate the Plan when, in the sole discretion of SunTrust, such amendment or
termination is advisable, pursuant to a resolution or other action taken by the Committee. The Plan may also be amended pursuant to a written instrument executed by SunTrust’s senior most human resources officer to the extent

  
 19 

	 	
such amendment is required under applicable law or is required to avoid having amounts deferred under the Plan included in the income of Participants or beneficiaries for federal income tax
purposes prior to distribution. 

 Notwithstanding the foregoing, no amendment of the Plan shall apply to the Grandfathered
Amounts, unless the amendment specifically provides that it applies to such amounts. The purpose of this restriction is to prevent a Plan amendment from resulting in an inadvertent “material modification” under Code section 409A to the
Grandfathered Amounts. 
  

	11.2	Effect of Amendment or Termination. Except as provided in the next sentence, no amendment or termination of the Plan shall be applied retroactively to deprive a
Participant of benefits accrued under this Plan to the date of such amendment or termination. Upon termination of the Plan, distribution of Plan benefits shall be made to Participants and beneficiaries in the manner and at the time described in
Article 4, unless SunTrust determines in its sole discretion that all such amounts shall be distributed upon termination in accordance with the requirements under Code section 409A. Upon termination of the Plan, no further benefit accruals shall
occur. 

 ARTICLE 12 
 ADMINISTRATION 
  

	12.1	General Administration. The Committee shall be responsible for the operation and administration of the Plan and for carrying out the provisions hereof. The Committee shall
have the full authority and discretion to make, amend, interpret, and enforce all appropriate rules and regulations for the administration of this Plan and decide or resolve any and all questions, including interpretations of this Plan, as may arise
in connection with this Plan. Any such action taken by the Committee shall be final and conclusive on any party. To the extent the Committee has been granted discretionary authority under the Plan, the Committee’s prior exercise of such
authority shall not obligate it to exercise its authority in a like fashion thereafter. The Committee shall be entitled to rely conclusively upon all tables, valuations, certificates, opinions and reports furnished by any actuary, accountant,
controller, counsel or other person employed or engaged by SunTrust with respect to the Plan. The Committee may, from time to time, employ agents and delegate to such agents, including employees of SunTrust, such administrative or other duties as it
sees fit. The Committee also shall have the power to delegate the exercise of all or any part of such powers to such other person or persons as the Committee deems appropriate under the circumstances. 

  
 20 

	12.2	Claims for Benefits. The Committee shall adopt claims procedures in compliance with 29 C.F.R. § 2560.503-1, which shall be furnished automatically in a separate
document to the Participant, without charge, following a Participant’s request to the Committee, or its delegate. 

  

	12.3	Indemnification. SunTrust and its Affiliates (to the extent permissible under law and consistent with their charters and bylaws) shall indemnify and hold harmless the
Committee, each individual member of the Committee and any Employee authorized to act on behalf of the Committee, SunTrust or any Affiliate under this Plan for any liability, loss, expense, assessment or other cost of any kind or description
whatsoever, including legal fees and expenses, which they actually incur for their acts and omissions, past, current or future, in the administration of the Plan. 

 ARTICLE 13 
 CHANGE IN CONTROL 

 

	13.1	Purpose. The purpose of this Article 13 is to provide for an increase in the SERP Benefit payable under this Plan to a Participant who is adversely affected by a Change in
Control (as defined below) and thus to encourage each Participant to continue to work for SunTrust in the face of a possible Change in Control and to continue while doing so to act in the best interests of SunTrust and its shareholders.

  

	13.2	Definitions. For purposes of this Article 13, the following terms shall have the meaning set forth opposite such terms for purposes of this Article 13:

	 	(a)	Cause - means (subject to Section 13.2(a)(5)) with respect to an individual Participant: 

	 	(1)	The willful and continued failure by the Participant to perform satisfactorily the duties of the Participant’s job; 

 

	 	(2)	The Participant is convicted of a felony or has engaged in a dishonest act, misappropriation of funds, embezzlement, criminal conduct or common law fraud;

  

	 	(3)	The Participant has engaged in a material violation of the Code of Business Conduct and Ethics of SunTrust or the Code of Conduct of an Affiliate; or 

 

	 	(4)	 The Participant has engaged in any willful act that materially damages or materially prejudices SunTrust or a SunTrust Affiliate or has engaged in conduct

  
 21 

	 	
or activities materially damaging to the property, business or reputation of SunTrust or an Affiliate; provided, however, 

 

	 	(5)	No such act, omission or event shall be treated as “Cause” under this Section 13.2(a) unless (1) the Participant has been provided a detailed, written
statement of the basis for SunTrust’s belief that such act, omission or event constitutes “Cause” and an opportunity to meet with the Committee (together with the Participant’s counsel if the Participant chooses to have the
Participant’s counsel present at such meeting) after the Participant has had a reasonable period in which to review such statement and, if the allegation is under Section 13.2(a)(1), has had at least a thirty (30) day period to take
corrective action and (2) the Committee after such meeting (if the Participant meets with the Committee) and after the end of such thirty (30) day correction period (if applicable) determines reasonably and in good faith and by the
affirmative vote of at least two-thirds of the members of the Committee then in office at a meeting called and held for such purpose that “Cause” does exist under this Section 13.2(a). 

 

	 	(b)	 Change in Control - means a change in control of SunTrust of a nature that would be required to be reported in response to Item 6(e) of Schedule 14A
of Regulation 14A promulgated under the Exchange Act as in effect at the time of such “change in control”, provided that such a change in control shall be deemed to have occurred at such time as (i) any “person” (as that
term is used in Sections 13(d) and 14(d)(2) of the Exchange Act), is or becomes the beneficial owner (as defined in Rule 13d-3 under the Exchange Act) directly or indirectly, of securities representing 20% or more of the combined voting power for
election of directors of the then outstanding securities of SunTrust or any successor of SunTrust; (ii) during any period of two (2) consecutive years or less, individuals who at the beginning of such period constitute the Board of
SunTrust cease, for any reason, to constitute at least a majority of such Board, unless the election or nomination for election of each new director was approved by a vote of at least two-thirds of the directors then still in office who were
directors at the beginning of the period; (iii) there is a consummation of any reorganization, merger, consolidation or share exchange as a result of which the common stock of SunTrust shall be changed, converted or exchanged into or for
securities of another corporation (other than a merger with a wholly-owned subsidiary of SunTrust) or any dissolution or liquidation of SunTrust or any sale or the disposition of 50% or more of the assets or business of SunTrust; or (iv) there
is a consummation of any reorganization, merger, consolidation or share exchange unless (A) the persons who were the beneficial owners of the outstanding shares of the 

  
 22 

	 	
common stock of SunTrust immediately before the consummation of such transaction beneficially own more than 65% of the outstanding shares of the common stock of the successor or survivor
corporation in such transaction immediately following the consummation of such transaction and (B) the number of shares of the common stock of such successor or survivor Company beneficially owned by the persons described in
Section 13.2(b)(iv)(A) immediately following the consummation of such transaction is beneficially owned by each such person in substantially the same proportion that each such person had beneficially owned shares of SunTrust’s common stock
immediately before the consummation of such transaction, provided (C) the percentage described in Section 13.2(b)(iv)(A) of the beneficially owned shares of the successor or survivor corporation and the number described in
Section 13.2(b)(iv)(B) of the beneficially owned shares of the successor or survivor corporation shall be determined exclusively by reference to the shares of the successor or survivor corporation which result from the beneficial ownership of
shares of common stock of SunTrust by the persons described in Section 13.2(b)(iv)(A) immediately before the consummation of such transaction. 

  

	 	(c)	Exchange Act - means the Securities Exchange Act of 1934, as amended. 

  

	 	(d)	Good Reason - means (subject to Section 13.2(d)(5)) with respect to an individual Participant: 

	 	(1)	SunTrust or any Affiliate after a Change in Control but before the end of the Participant’s Protection Period reduces the Participant’s base salary or opportunity to
receive comparable incentive compensation or bonuses without the Participant’s express written consent; 

  

	 	(2)	SunTrust or any Affiliate after a Change in Control but before the end of the Participant’s Protection Period reduces the scope of the Participant’s principal or
primary duties, responsibilities or authority without the Participant’s express written consent; 

  

	 	(3)	 SunTrust or any Affiliate at any time after a Change in Control but before the end of the Participant’s Protection Period (without the Participant’s
express written consent) transfers the Participant’s primary work site from the Participant’s primary work site on the date of such Change in Control or, if the Participant subsequently consents in writing to such a transfer from the
primary work site which was the subject of such consent, to a new primary work site which is outside the “standard metropolitan statistical area” which then includes the

  
 23 

	 	
Participant’s then current primary work site unless such new primary work site is closer to the Participant’s primary residence than the Participant’s then current primary work
site; or 

  

	 	(4)	SunTrust or any Affiliate after a Change in Control but before the end of the Participant’s Protection Period fails (without the Participant’s express written consent)
to continue to provide to the Participant health and welfare benefits, deferred compensation and retirement benefits, stock option and restricted stock grants that are in the aggregate comparable to those provided to the Participant immediately
prior to the Change in Control; provided, however, 

  

	 	(5)	No such act or omission shall be treated as “Good Reason” under this Article 13(d) unless -- 

	 	(i)	(A) The Participant delivers to the Committee a detailed, written statement of the basis for the Participant’s belief that such act or omission constitutes Good Reason,
(B) the Participant delivers such statement before the later of (x) the end of the ninety (90) day period which starts on the date there is an act or omission which forms the basis for the Participant’s belief that Good Reason
exists or (y) the end of the period mutually agreed upon for purposes of this Section 13.2(d)(5)(i)(B) in writing by the Participant and the Chairman of the Committee, (C) the Participant gives the Committee a thirty (30) day
period after the delivery of such statement to cure the basis for such belief and (D) the Participant actually submits the Participant’s written resignation to the Committee during the sixty (60) day period which begins immediately
after the end of such thirty (30) day period if the Participant reasonably and in good faith determines that Good Reason continues to exist after the end of such thirty (30) day period, or 

 

	 	(ii)	SunTrust states in writing to the Participant that the Participant has the right to treat such act or omission as Good Reason under this Section 13(d) and the Participant
resigns during the sixty (60) day period which starts on the date such statement is actually delivered to the Participant; 

  

	 	(6)	 If (i) the Participant gives the Committee the statement described in Section 13.2(d)(5)(i)(A) before the end of the thirty (30) day period which
immediately follows the end of the Protection Period and the Participant thereafter resigns 

  
 24 

	 	
within the period described in Section 13.2(d)(5)(i)(D), or (ii) SunTrust provides the statement to the Participant described in Section 13.2(d)(5)(ii) before the end of the thirty
(30) day period which immediately follows the end of the Protection Period and the Participant thereafter resigns within the period described in Section 13.2(d)(5)(ii), then (iii) such resignation shall be treated under this
Section 13.2(d) as if made in the Participant’s Protection Period; and 

  

	 	(7)	If the Participant consents in writing to any reduction described in Section 13.2(d)(1) or Section 13.2(d)(2), to any transfer described in Section 13.2(d)(3) or
to any failure described in Section 13.2(d)(4) in lieu of exercising the Participant’s right to resign for Good Reason and delivers such consent to SunTrust, the date such consent is delivered to SunTrust thereafter shall be treated under
this definition as the date of a Change in Control for purposes of determining whether the Participant subsequently has Good Reason under this Article 13 to resign for Good Reason as a result of any subsequent reduction described in
Section 13.2(d)(1) or Section 13.2(d)(2), any subsequent transfer described in Section 13.2(d)(3) or any subsequent failure described in Section 13.2(d)(4). 

 

	 	(e)	Protection Period - means (subject to Section 13.2(d)(6): 

	 	(1)	for a Tier 1 Participant, the three (3) year period which begins on a Change in Control, and 

 

	 	(2)	for a Tier 2 Participant, the two (2) year period which begins on a Change in Control. 

 

	13.3	Application. This Article 13 shall apply to a Participant if there is a Change in Control of SunTrust and 

 

	 	(a)	SunTrust or an Affiliate terminates the Participant’s employment without Cause during such Participant’s Protection Period, or 

 

	 	(b)	the Participant resigns for Good Reason during such Participant’s Protection Period. 

 

	13.4	Benefit Calculation for a Tier 1 Participant. If this Article 13 applies to a Tier 1 Participant pursuant to Section 13.3, such Participant’s SERP Benefit shall
be calculated in accordance with the following special rules: 

  
 25 

	 	(a)	such Participant’s SERP Average Compensation shall be equal to the highest amount of his or her SERP Compensation received for any full calendar year during the ten
(10) consecutive calendar years which end on or immediately before the termination of such Participant’s employment which is described in Section 13.3. 

 

	 	(b)	such Participant’s SERP Service automatically shall be increased by the greater of (1) or (2) below: 

	 	(1)	any additional SERP Service granted to such Participant in accordance with any individual agreement between such Participant and SunTrust or a SunTrust Affiliate; or

  

	 	(2)	the lesser of (i) thirty-six (36) full months or (ii) the number of months between such Participant’s Retirement Date and the date of the termination of his
or her employment which is described in Section 13.3. 

  

	 	(c)	if such Participant is not already vested in his or her SERP Benefit, such Participant’s Vested Date shall mean the first date this Article 13 applies to him or her.

  

	 	(d)	such Participant’s age shall be such Participant’s actual age plus any additional years added to his or her age as provided in accordance with any individual agreement
between such Participant and SunTrust or a SunTrust Affiliate. 

  

	 	(e)	 such Participant’s entire SERP Benefit under this Plan (as calculated after taking into account the special rules set forth in Section 13.4(a) through
Section 13.4(d)) shall be paid to him or her in accordance with Article 4, and the actuarial equivalent factors used to compute such SERP Benefit shall be the actuarial equivalent factors in effect under the Retirement Plan on the date of the
Change in Control or, if more favorable to the Participant, the factors in effect under the Retirement Plan (or any successor to such plan) as in effect as of the date of the termination of his or her employment described in Section 13.3;
provided, however, that the amount of the SERP Benefit payable to a Participant designated as eligible for the special lump sum calculation in Section 2.23(b) shall be calculated (after taking into account the special rules set forth in
Section 13.4(a) through Section 13.4(d)) in accordance with Section 2.23(b) and; further provided, that if such termination of employment occurs before the date the Participant reaches age 60, the amount of the SERP Benefit called for
under this Section 13.4(e) shall be reduced by .25% of such benefit for each full calendar month that the actual payment of such benefit precedes the month in which the Participant will reach age 60 (and in such case, no other

  
 26 

	 	
pre-age 60 reductions shall apply) and; further provided, that if any portion of the SERP Benefit is payable in a lump sum after the date of a Participant’s Separation from Service
(including as a result of the six month delay in payment for a Key Employee), interest shall accrue from the date of determination of such amount in the same manner and at the same rate as would accrue on the Personal Pension Account under the
Retirement Plan until the amount is paid under Article 4. 

  

	13.5	Benefit Calculation for a Tier 2 Participant. If this Article 13 applies to a Tier 2 Participant pursuant to Section 13.3, such Participant’s SERP Benefit shall
be calculated in accordance with the following special rules: 

  

	 	(a)	such Participant’s SERP Average Compensation shall be equal to the highest amount of his or her SERP Compensation received for any full calendar year during the ten
(10) consecutive calendar years which end on or immediately before the termination of such Participant’s employment which is described in Section 13.3. 

 

	 	(b)	such Participant’s SERP Service automatically shall be increased by any additional SERP Service granted to such Participant in accordance with any individual agreement
between such Participant and SunTrust or a SunTrust Affiliate, including any interest that would have accrued during such additional SERP Service period in the same manner and at the same rate as would accrue on the Personal Pension Account under
the Retirement Plan; provided, however, such additional SERP Service shall not impact the amount of the Tier 2 Frozen Benefit under Section 2.23. 

  

	 	(c)	such Participant’s Vested Date shall mean the first date this Article 13 applies to him or her pursuant to Section 13.3. 

 

	 	(d)	such Participant’s age shall be such Participant’s actual age plus any additional years added to his or her age as provided in accordance with any individual agreement
between such Participant and SunTrust or a SunTrust Affiliate. 

  

	 	(e)	 such Participant’s entire SERP Benefit under this Plan (as calculated after taking into account the special rules set forth in Section 13.5(a) through
Section 13.5(d)) shall be paid to him or her in accordance with Article 4, and the actuarial equivalent factors used to compute such SERP Benefit shall be the actuarial equivalent factors in effect under the Retirement Plan on the date of the
Change in Control or, if more favorable to the Participant, the factors in effect under the Retirement Plan (or any successor to such 

  
 27 

	 	
plan) as in effect as of the date of the termination of his or her employment described in Section 13.3; provided, however, that if such termination of employment occurs before such
Participant has attained (or is deemed to have attained) age 60, the amount of the SERP Benefit called for by this Section 13.5(e) shall be reduced by .25% of such benefit for each full calendar month that the actual payment of such benefit
precedes the month in which the Participant will attain age 60 (and in such case, no other pre-age 60 reductions shall apply) and, further provided, that if any portion of the SERP Benefit is payable in a lump sum after the date of a
Participant’s Separation from Service (including as a result of the six month delay in payment for a Key Employee), interest shall accrue from the date of determination of such amount in the same manner and at the same rate as would accrue on
the Personal Pension Account under the Retirement Plan until such amount is paid under Article 4. 

  

	13.6	No Amendment. If there is a Change in Control, no amendment shall be made to this Plan thereafter which would adversely affect in any manner whatsoever the benefit payable
under this Article 13 to any Participant absent the express written consent of all Participants who might be adversely affected by such amendment if this Article 13 were, or could become, applicable to such Participants, and SunTrust intends that
each Participant rely on the protections which SunTrust intends to provide through this Section 13.6. 

  

	13.7	Denial of Claim for Benefits. If this Article 13 applies to a Participant and such Participant’s claim for a benefit under this Plan is denied in whole
or in part under the appeal procedures established by the Committee for denied claims, any further challenge of such denial shall be determined by binding arbitration in accordance with Title 9 of the United States Code and the applicable set of
arbitration rules of the American Arbitration Association. Judgment upon any award made in such arbitration may be entered and enforced in any court of competent jurisdiction. All statutes of limitation which would otherwise be applicable in a
judicial action brought by a party shall apply to any arbitration or reference proceeding hereunder. Neither SunTrust, an Affiliate, the Committee nor a Participant shall appeal such award to or seek review, modification, or vacation of such award
in any court or regulatory agency. Unless otherwise agreed, venue for arbitration shall be in Atlanta, Georgia. 

  

	13.8	 Reimbursements. All of a Participant’s taxable reasonable costs and expenses incurred in connection with such arbitration shall be paid in full by
SunTrust promptly on written demand from the Participant, including the arbitrators’ fees, administrative fees, travel expenses, out-of-pocket expenses such as copying and telephone, court costs, witness fees and attorneys’ fees; provided,
however, SunTrust shall pay no more than $30,000 per year in attorneys’ fees unless a higher 

  
 28 

	 	
figure is awarded in the arbitration, in which event SunTrust shall pay the figure awarded in the arbitration. 

Reimbursement of reasonable costs and expenses under this Section 13.8 shall be administered consistent with the following additional
requirements as set forth in Treas. Reg. § 1.409A-3(i)(1)(iv): (1) a Participant’s eligibility for benefits in one year will not affect a Participant’s eligibility for benefits in any other year; (2) any reimbursement of
eligible expenses will be made on or before the last day of the year following the year in which the expense was incurred; and (3) a Participant’s right to benefits is not subject to liquidation or exchange for another benefit. In the
event the Participant is a Key Employee, reimbursement for benefits under this Section 13.8 shall commence in the seventh month following the date of the Participant’s Separation from Service. No reimbursement shall be made under this
Section 13.8 for the same expenses that are reimbursed to a Participant under any other agreement between the Participant and SunTrust or an Affiliate. 
  

	13.9	Gross Up Payment. Furthermore, if either the Committee or the arbitrators determine that the Participant incurred such fees and expenses in good faith and that the
Participant’s challenge was based on material and bona fide issue of fact or law, without regard to whether the challenge ultimately is resolved in favor of the Participant, then if any such reimbursement is treated as taxable income to the
Participant, SunTrust shall make a gross up payment to the Participant in an amount which shall indemnify and hold the Participant harmless from any tax liability of any kind or description whatsoever attributable to such reimbursement, including
any interest and penalties (the “Gross Up Payment”). Any Gross Up Payment made to or on behalf of the Participant under this Section 13.9 shall be made in compliance with Code section 409A and by the end of the year following the year
that the related taxes are remitted to the applicable taxing authority. In the event the Participant is a Key Employee, payment of any Gross Up Payment under this Section 13.9 shall commence in the seventh month following the date of the
Participant’s Separation from Service. 

  

	13.10	Application to Beneficiaries. If this Article 13 applies to a Participant pursuant to Section 13.3 and such Participant dies before receiving or beginning to receive
such Participant’s SERP Benefit, the survivor benefit for such deceased Participant’s Beneficiary or beneficiaries shall be calculated taking into account the special rules in Section 13.4 if such Participant was a Tier 1 Participant
or in Section 13.5 if such Participant was a Tier 2 Participant. In addition, the provisions of Section 13.6 and Section 13.7 shall apply to such Beneficiary or Beneficiaries. 

  
 29 

 ARTICLE 14 
 MISCELLANEOUS 
  

	14.1	Applicable Law. This Plan will be construed in accordance with the laws of the State of Georgia (without regard to its choice-of-law rules) except to the extent superseded
by federal law. 

  

	14.2	Incapacity of Recipient. If any person entitled to a distribution under the Plan is deemed by the Committee to be incapable of personally receiving and giving a valid
receipt for such payment, then, unless and until a claim for such payment shall have been made by a duly appointed guardian or other legal representative of such person, the Committee may provide for such payment or any part thereof to be made to
any other person or institution then contributing toward or providing for the care and maintenance of such person. Any such payment shall be a payment for the account of such person and a complete discharge of any liability of SunTrust and the Plan
with respect to the payment. 

  

	14.3	Taxes. SunTrust or other payor may withhold from a benefit payment under the Plan or a Participant’s wages in order to meet any federal, state, or local tax
withholding obligations with respect to Plan benefits. SunTrust or other payor may also accelerate and pay a portion of a Participant’s benefits in a lump sum equal to the Federal Insurance Contributions Act (“FICA”) tax imposed and
the income tax withholding related to such FICA amounts. SunTrust or other payor shall report Plan payments and other Plan-related information to the appropriate governmental agencies as required under applicable laws. 

 

	14.4	Binding Effect. This Plan shall be binding upon and inure to the benefit of any successor of SunTrust and any successor shall be deemed substituted for SunTrust under this
Plan and shall assume the rights, obligations and liabilities of SunTrust hereunder and be obligated to perform the terms and conditions of this Plan. As used in this Plan, the term “successor” shall include any person, firm, corporation
or other business entity or related group of such persons, firms, corporations or business entities which at any time, whether by merger, purchase, reorganization, liquidation or otherwise, or by means of a series of such transactions, acquires all
or substantially all of the assets or business of SunTrust. 

  

	14.5	 Unclaimed Benefits. Each Participant shall keep the Committee informed of his or her current address and the current address of his or her designated
Beneficiary. The Committee shall not 

  
 30 

	 	
be obligated to search for the whereabouts of any person if the location of a person is not made known to the Committee. 

 

	14.6	Severability. In the event any provision of the Plan shall be held invalid or illegal for any reason, any illegality or invalidity shall not affect the remaining parts of
the Plan, but the Plan shall be construed and enforced as if the illegal or invalid provision had never been inserted. 

  

	14.7	Construction. The headings and subheadings in this Plan have been set forth for convenience of reference only and have no substantive effect whatsoever. Whenever any words
are used herein in the masculine, they shall be construed as though they were used in the feminine in all cases where they would so apply; and whenever any words are used herein in the singular or in the plural, they shall be construed as though
they were used in the plural or in the singular, as the case may be, in all cases where they would so apply. 

  

	14.8	Regulatory Requirements. Regulatory agencies and federal laws and regulations may impose restrictions on SunTrust and its Affiliates with respect to the payment of
compensation and benefits to certain employees who may be Participants in this Plan. These restrictions may be in the form of absolute prohibitions or penalties, which may include tax penalties on SunTrust and its Affiliates or on certain
Participants. Notwithstanding any other provision of this Plan document, SunTrust may reduce, eliminate or delay the payment of a Participant’s benefits under this Plan or may take actions that subject such benefits to monetary or tax
penalties, as determined by SunTrust in its sole discretion to be required under federal laws or regulations applicable to SunTrust and its Affiliates. In such event, neither SunTrust nor its Affiliates shall have any liability for such reduction,
elimination, delay or penalty. Any delay in payment of a Participant’s benefits under this Plan will comply with Treas. Reg. § 1.409A-2(b)(7). 

  
 31 

 ARTICLE 15 
 EXECUTION 
 IN WITNESS WHEREOF, SunTrust has caused this amended and restated Plan to be
executed by its duly authorized officer to evidence its adoption hereof effective as of January 1, 2011. 
  

					
		 	SUNTRUST BANKS, INC.
			
		 	By:	 	  

		 		 	Donna D. Lange

					
			
		 	Title:	 	  

			
		 	Date:	 	  

		 	(SEAL)

  
 32 

 Exhibit A 
 SUNTRUST BANKS, INC. 
 SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN 

AMENDED AND RESTATED AS OF JANUARY 1, 2010 
 Section 2.14, Other Retirement Arrangement 
 Pursuant to Section 2.14, Other
Retirement Arrangement means the following plan, program, arrangement or agreement (a) that is maintained by SunTrust or an Affiliate, (b) that provides a benefit calculated as a defined-benefit type benefit and (c) in which a
Participant also participates: 
  

	¡	 	 Crestar Financial Corporation Supplemental Executive Retirement Plan (“Crestar SERP”). 

 

	¡	 	 National Commerce Financial Corporation Retirement Plan including any predecessor plan. 

 

	¡	 	 National Commerce Financial Corporation Supplemental Executive Retirement Plan including any predecessor plan. 

  
 A-1

 Exhibit B 
 SUNTRUST BANKS, INC. 
 SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN 

AMENDED AND RESTATED AS OF JANUARY 1, 2010 
 Section 2.23(b), Special Lump Sum Calculation 
 The Committee has designated the following
Participants as eligible for the Special Lump Sum calculation described in Section 2.23(b) of the Plan document: 
  

	 	¡	 	 James M. Wells III 

  
 B-1

 Exhibit C 
 SUNTRUST BANKS, INC. 
 SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN 

AMENDED AND RESTATED AS OF JANUARY 1, 2010 
 Section 2.24, SERP Compensation 
 For purposes of calculating SERP Compensation, as
defined in Section 2.24 of the main text of this Plan, of a Tier 1 or Tier 2 Participant who is named in the following table, his base salary for the 2010 and 2011 calendar years, respectively, shall include the dollar amount set forth by his
name. Such dollar value shall be pro rated, restricted or limited to the extent required by the terms of the Plan in calculating and applying SERP Compensation. The Plan shall not recognize any additional amount of, or value for, “salary
shares.” 
  

					
	Status & Name	  	 Value of
Salary Shares to be
 Included as Part of 2010
 Annual Base Salary
	  	 Value of Salary Shares to be
 Included as Part of 2011

Annual Base Salary

	 TIER 1 Participant
	  	 	  	 
	 James M. Wells III
	  	$  1,799,091*	  	$498,251*
	 TIER 2 Participants
	  	 	  	 
	 William H. Rogers, Jr.
	  	$    554,400	  	$236,250
	 Mark A. Chancy
	  	      504,000	  	$140,000
	 David F. Dierker
	  	      340,200	  	$94,950
	 Timothy E. Sullivan
	  	      438,442	  	$121,790
	 Thomas O. Kuntz
	  	      307,476	  	$94,950
	 Thomas E. Freeman
	  	      427,500	  	$118,750
	 Raymond D. Fortin
	  	      340,200	  	$94,950
	 C. T. Hill
	  	      353,808**	  	$98,280**

 *This value for Mr. Wells is also used in the Crestar SERP benefit formula. 

**This value for Mr. Hill is not used in the Crestar SERP benefit formula. 

  
 C-1

 Exhibit D 
 SUNTRUST BANKS, INC. 
 SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN 

AMENDED AND RESTATED AS OF JANUARY 1, 2010 
 Sections 2.27 and 2.28, Tier 1 and Tier 2 Participants 
 The Committee designated the following
executives as Tier 1 and Tier 2 Participants: 
  

									
	
Name
  
	  	
Formula    

 
	  	
    Participation    
Date

 
	  	 Benefit

 
 Service Start    

 
 Date

 
	  	
Special Features
  

	 James M.

Wells III
	  	Tier 1	  	1/1/2001	  	Hire	  	 n       Special lump sum (PBGC)

 
 n       Special early retirement reduction (service  prorate, 5% from age 60)

 
 n       100% vested on 1/1/2001, regardless of age and  service

 
 n       Restricted Stock substituted for PUP in 2003 –  2005 cycle

 
 n       Effective 1/1/2005, PUP is limited to 2004 level  (target, minimum, maximum)

 
 n       Notwithstanding any elections or provisions to the  contrary in this Plan or any Other Retirement
 Arrangement, the entire amount of the SERP  Benefit under the Plan shall be subject to Code  section 409A (no Grandfathered Amounts in this  Plan or any Other Retirement Arrangement) and  shall be equal to the larger of the
amount  calculated under:
  (a) the Tier 1 SERP Benefit formula or

 (b) the Crestar SERP benefit formula. Such  amount shall be paid in a lump sum in accordance  with Article
4.

	 Charles T.

Hill
	  	Tier 2	  	1/1/2001	  	Hire	  	Notwithstanding any provisions to the contrary in this Plan or any Other Retirement Arrangement, the
entire amount of the SERP Benefit shall be subject to Code section 409A (no Grandfathered Amounts in this

  
 D-1

									
	
Name
  
	  	
Formula    

 
	  	
    Participation    
Date

 
	  	 Benefit

 
 Service Start    

 
 Date

 
	  	
Special Features
  

	 	  	 	  	 	  	 	  	 Plan or any Other Retirement Arrangement) and shall be
the larger of the amount calculated under: (a) the Tier 2 SERP Benefit formula or (b) the Crestar SERP benefit formula. Such amount shall be paid in a lump sum in accordance with the participant’s elections.

 

	 Dennis M.

Patterson
  
	  	Tier 2	  	1/1/2001	  	Hire	  	 
	 William H.

Rogers, Jr.
  
	  	Tier 2	  	1/1/2001	  	Hire	  	 
	 E. Jenner

Wood, III
  
	  	Tier 2	  	1/1/2001	  	Hire	  	 
	 Sterling

Edmunds,
 Jr.

 
	  	Tier 2	  	8/13/2002	  	Hire	  	 
	 Timothy E.

Sullivan
  
	  	Tier 2	  	1/7/2003	  	Hire	  	 
	 Raymond D.

Fortin
  
	  	Tier 2	  	11/8/2004	  	Hire	  	 
	 David F.

Dierker
  
	  	Tier 2	  	11/8/2004	  	Hire	  	 
	 Mark A.

Chancy
  
	  	Tier 2	  	11/8/2004	  	Hire	  	 
	 Thomas G.

Kuntz
  
	  	Tier 2	  	11/8/2004	  	Hire	  	 
	 Frances L.

Breeden
  
	  	Tier 2	  	2/14/2006	  	Hire	  	 
	 Thomas E.

Freeman
  
	  	Tier 2	  	2/14/2006	  	Hire	  	 

 The following individuals who were former key officers of National Commerce Financial Corporation or its affiliates
were designated by the Committee as Tier 2 Participants: 

  
 D-2

									
	
Name
  
	  	 Formula

 
	  	 Participation
Date

 
	  	 Benefit

 
 Service Start    

 
 Date

 
	  	
Special Features
  

	 William L.

Reed, Jr.
	  	Tier 2	  	1/1/2005	  	8/1/2001	  	 n     NCF SERP (before offsets) is a minimum to the Tier 2 SERP minus PIA
(before other offsets).
  
 n     Tier 2 SERP benefit is offset by NCF SERP benefit.

 
 n     NCF SERP earnings (base plus bonus paid) will be used for years prior to 2005.

 
 n     SunTrust SERP earnings (base plus bonus earned) will be used for years after 2004.

 
 n     2005 is a transition year for earnings. Depending on which calculation produces the larger FAE, either the 2004 or 2005
earnings will be adjusted as follows:
  

—     2004 earnings will be NCF SERP earnings (2004 base plus 2004 bonuses paid) plus 2005
MIP paid, or
  

—     2005 earnings will be SunTrust SERP earnings (2005 base plus 2005 MIP earned) plus 2005
MIP paid.

  
 D-3

 Exhibit E 
 SUNTRUST BANKS, INC. 
 SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN 

AMENDED AND RESTATED AS OF JANUARY 1, 2010 
 Section 2.29(a), Special Vested Date 
 The Committee designated the Participants listed
below as being 100% vested in their SERP Benefits. 
  

			
	 Participant

 
	  	 Special Vested
Date
  

	 ¡     James M. Wells III
  
	  	 1/1/2001

 

  
 E-1

 Exhibit F 
 SUNTRUST BANKS, INC. 
 SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN 

AMENDED AND RESTATED AS OF JANUARY 1, 2010 
 Sections 4.1(b)(4) and 4.3(c)(2)(iii), Designated Participant Reduction 
 The Committee
designated the Participants listed below as eligible for the special retirement reduction described in Section 4.1(b)(4) and in Section 4.3(c)(2)(iii): 
  

	 	¡	 	 James M. Wells III 

  
 F-1

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