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Exhibit 10.4

    

    
      
        
        

      

      
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        6Certificate of Trust of SunTrust Preferred Capital I

 Exhibit 4.1.3 
 CERTIFICATE OF TRUST 
 OF 
 SUNTRUST PREFERRED CAPITAL I 
 THIS Certificate of Trust of SunTrust Preferred
Capital I (the “Trust”) is being duly executed and filed on behalf of the Trust by the undersigned, as trustees, to form a statutory trust under the Delaware Statutory Trust Act (12 Del.C. § 3801 et seq.) (the
“Act”). 
 1. Name. The name of the statutory trust formed hereby is SunTrust Preferred Capital I. 
 2. Delaware Trustee. The name and business address of the trustee of the Trust in the State of Delaware are U.S. Bank Trust National Association,
300 Delaware Avenue, 9th Floor, Wilmington, Delaware 19801, Attention: Corporate Trust Services Division. 
 3. Effective Date. This
Certificate of Trust shall be effective upon filing with the Secretary of State. 
 4. Counterparts. This Certificate of Trust may be
executed in one or more counterparts. 
 IN WITNESS WHEREOF, the undersigned have duly executed this Certificate of Trust in accordance with
Section 3811(a)(1) of the Act. 
  

	
	 /s/ Raymond D. Fortin

	 Raymond D. Fortin

	 Administrative Trustee

  

	
	 /s/ Jerome T. Lienhard, II

	 Jerome T. Lienhard, II

	 Administrative Trustee

  

	
	 /s/ Kenneth R. Houghton

	 Kenneth R. Houghton

	 Administrative Trustee

			
	U.S. BANK NATIONAL ASSOCIATION,
	as Property Trustee
		
	 By:
	 	 /s/ Earl W. Dennison Jr.

	 Name:
	 	 Earl W. Dennison Jr.

	 Title:
	 	 Vice President

  

			
	U.S. BANK TRUST NATIONAL ASSOCIATION,
	as Delaware Trustee
		
	 By:
	 	 /s/ Earl W. Dennison Jr.

	 Name:
	 	 Earl W. Dennison Jr.

	 Title:
	 	 Vice PresidentDeclaration of Trust of SunTrust Preferred Capital I

 Exhibit 4.2.3 
 DECLARATION OF TRUST 
 This DECLARATION OF TRUST, dated as of October 16, 2006 (this
“Declaration of Trust”), is among Raymond D. Fortin, Jerome T. Lienhard, II and Kenneth R. Houghton, as the Administrative Trustees (the “Administrative Trustees”), U.S. Bank National Association, as Property Trustee (the
“Property Trustee”), U.S. Bank Trust National Association, as the Delaware Trustee (the “Delaware Trustee,” and collectively with the Administrative Trustees and the Property Trustee, the “Trustees”), and SunTrust
Banks, Inc., a Georgia corporation, as the Sponsor (the “Sponsor”). The Sponsor and the Trustees hereby agree as follows: 
 1. The
trust created hereby shall be known as “SunTrust Preferred Capital I,” in which name the Trustees, or the Sponsor to the extent provided herein, may conduct the business of the Trust, make and execute contracts, and sue and be sued.

 2. The Sponsor hereby assigns, transfers conveys and sets over to the Trustees the sum of $10. The Trustees hereby acknowledge receipt of
such amount in trust from the Sponsor, which amount shall constitute the initial trust estate. The Trustees hereby declare that they will hold the trust estate in trust for the Sponsor. It is the intention of the parties hereto that the Trust
created hereby constitutes a statutory trust under Chapter 38 of Title 12 of the Delaware Code, 12 Del. C. § 3801, et seq. (the “Statutory Trust Act”), and that this document constitutes the governing
instrument of the Trust. The Trustees are hereby authorized and directed to execute and file a certificate of trust with the Delaware Secretary of State in accordance with the provisions of the Statutory Trust Act. 
 3. The Sponsor and the Trustees will enter into an amended and restated Declaration of Trust, satisfactory to each such party and substantially in the
form included as an exhibit to the 1933 Act Registration Statement (as defined below), to provide for the contemplated operation of the Trust created hereby and the issuance of the Preferred Securities and Common Securities referred to therein.
Prior to the execution and delivery of such amended and restated Declaration of Trust, the Trustees shall not have any duty or obligation hereunder or with respect to the trust estate, except as otherwise required by applicable law or as may be
necessary to obtain prior to such execution and delivery any licenses, consents or approvals required by applicable law or otherwise. 
 4.
The Sponsor, as the Sponsor of the Trust, or any Administrative Trustee, as an Administrative Trustee of the Trust, is hereby authorized (i) to file with the Securities and Exchange Commission (the “Commission”) and execute, in each
case on behalf of the Trust, (a) the Registration Statement on Form S-3 or other appropriate form (the “1933 Act Registration Statement”), including any pre-effective or post-effective amendments to the 1933 Act Registration Statement
(including any preliminary prospectus, prospectus or prospectus supplements, and the exhibits contained therein), relating to the registration under the Securities Act of 1933, as amended, of the Preferred Securities of the Trust and possibly
certain other securities and (b) a Registration Statement on Form 8-A or other appropriate form (the “1934 Act Registration Statement”) (including all pre-effective and post-effective amendments thereto) relating to the registration
of the Preferred Securities of the Trust under the Securities Exchange Act of 1934, as amended; (ii) to file with the New York Stock Exchange or any other national stock exchange or The Nasdaq National Market (each, an “Exchange”) and
execute on behalf of the Trust one or more listing applications and all 

  

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other applications, statements, certificates, agreements and other instruments as shall be necessary or desirable to cause the Preferred Securities to be
listed on any of the Exchanges; (iii) to file and execute on behalf of the Trust such applications, reports, surety bonds, irrevocable consents, appointments of attorney for service of process and other papers and documents as shall be
necessary or desirable to register the Preferred Securities under the securities or “Blue Sky” laws of such jurisdictions as the Sponsor, on behalf of the Trust, may deem necessary or desirable; (iv) to execute and deliver letters or
documents to, or instruments for filing with, a depository relating to the Preferred Securities; and (v) to execute on behalf of the Trust that certain Underwriting Agreement relating to the Preferred Securities, among the Trust, the Sponsor
and the several Underwriters named therein, substantially in the form included as an exhibit to the 1933 Act Registration Statement. In the event that any filing referred to in clauses (i), (ii) and (iii) above is required by the rules and
regulations of the Commission, an Exchange or state securities or blue sky laws, to be executed on behalf of the Trust by a Trustee, U.S. Bank National Association, in its capacity as trustee of the Trust, is hereby authorized and directed to join
in any such filing and to execute on behalf of the Trust any and all of the foregoing. 
 5. This Trust Agreement may be executed in one or
more counterparts. 
 6. The number of Trustees initially shall be five (5) and thereafter the number of Trustees shall be such number
as shall be fixed from time to time by a written instrument signed by the Sponsor which may increase or decrease the number of Trustees; provided, however, that to the extent required by the Statutory Trust Act, one Trustee shall either be a natural
person who is a resident of the State of Delaware or, if not a natural person, an entity which has its principal place of business in the State of Delaware and otherwise meets the requirements of applicable Delaware law. Subject to the foregoing,
the Sponsor is entitled to appoint or remove without cause any Trustee at any time. A Trustee may resign upon thirty (30) days’ prior notice to the Sponsor. 
 7. The Sponsor hereby agrees to (i) reimburse the Delaware Trustee and the Property Trustee for all reasonable expenses actually incurred (including reasonable fees and expenses of counsel and other experts), and
(ii) indemnify, defend and hold harmless the Delaware Trustee and the Property Trustee and any of the officers, directors, employees and agents of the Delaware Trustee and the Property Trustee (the “Indemnified Persons”) from and
against any and all losses, damages, liabilities, claims, actions, suits, costs, expenses, disbursements (including reasonable fees and expenses of counsel), taxes and penalties of any kind and nature whatsoever actually incurred (collectively,
“Expenses”), to the extent that such Expenses arise out of or are imposed upon or asserted at any time against such Indemnified Persons with respect to the performance of this Declaration of Trust, the creation, operation or termination of
the Trust or the transactions contemplated hereby; provided, however, that the Sponsor shall not be required to indemnify any Indemnified Person for any Expenses which are a result of the willful misconduct, bad faith or gross negligence of
such Indemnified Person. 
 8. The Sponsor may, in its sole discretion, dissolve and terminate the Trust. 
 9. This Declaration of Trust shall be governed by, and construed in accordance with, the laws of the State of Delaware (without regard to conflict of
laws principles). 
  

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 IN WITNESS WHEREOF, the parties hereto have caused this Declaration of Trust to be duly executed as of
the day and year first above written. 
  

			
	 SUNTRUST BANKS, INC., as Sponsor

		
	 By:
	 	 /s/ Jerome T. Lienhard, II

	 Name:
	 	 Jerome T. Lienhard, II

	 Title:
	 	 Senior Vice President and Treasurer

  

	
	 /s/ Raymond D. Fortin

	 Raymond D. Fortin

	 Administrative Trustee

  

	
	 /s/ Jerome T. Lienhard, II

	 Jerome T. Lienhard, II

	 Administrative Trustee

  

	
	 /s/ Kenneth R. Houghton

	 Kenneth R. Houghton

	 Administrative Trustee

  

			
	U.S. BANK NATIONAL ASSOCIATION,
	as Property Trustee
		
	 By:
	 	 /s/ Earl W. Dennison Jr.

	 Name:
	 	 Earl W. Dennison Jr.

	 Title:
	 	 Vice President

  

			
	 U.S. BANK TRUST NATIONAL ASSOCIATION,

	 as Delaware Trustee

		
	 By:
	 	 /s/ Earl W. Dennison Jr.

	 Name:
	 	 Earl W. Dennison Jr.

	 Title:
	 	 Vice President

  

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