Document:

10.1.1.Addendum A 401(k) Plan

SUNTRUST BANKS, INC. 401(k) PLAN
Amended and Restated January 1, 2012 including amendments 
through December 31, 2012

ADDENDUM A
HISTORY OF REVISED PLAN PROVISIONS

Table of Contents
Page
		
	ARTICLE 1
	DEFINITIONS    

		
	A-1.1
	Accounts    A-1

(a)    Employer Contribution Accounts    A-1
		
	A-1.4
	Annual Addition Limit    A-2

		
	A-1.13
	Compensation    A-2

		
	(a)
	Contributions    A-2

		
	(c)
	Statutory Limit    A-3

		
	A-1.14
	Contributions    A-3

(b)    Before-Tax and/or After-Tax Contributions-    A-3
		
	A-1.22
	Employee    A-3

		
	A-1.33
	ESOP        A-3

		
	A-1.49
	Plan        A-3

		
	A-1.64
	Spouse    A-4

A-1.70    Valuation Date    A-4
		
	ARTICLE 2
	ELIGIBILITY

		
	A-2.1
	Eligibility    A-5

		
	(a)
	Plan Years 1984 – 2001    A-5

		
	(b)
	Plan Years 2002 – March 31, 2007    A-5

		
	(c)
	April 1, 2007 – Present    A-5

		
	A-2.2
	Participation Upon Reemployment    A-5

		
	(a)
	Plan Years 1984 – 2001    A-5

		
	(b)
	Plan Years 2002 – Present    A-6

		
	A-2.4
	Adoption of the Plan by a Controlled Group Member    A-6

ARTICLE 3    CONTRIBUTIONS
A-3.1    Employee Elective Contributions and Catch-Up Contributions    A-7
(a)    Amount Permitted    A-7
(d)    Catch-Up Contributions    A-7
A-3.2    Employer Matching Contributions    A-8
		
	(a)
	Matching Contribution    A-8

		
	(b)
	Vesting and Forfeiture    A-9

		
	ARTICLE 4
	ALLOCATIONS

A-4.1    Adjustments to Account Balances    A-10
		
	(c)
	Dividends on Employer Stock for the 2001 Plan Year    A-10

A-4.2    Investments    A-10
(a)    Investment Elections    A-10
(h)    Diversification Elections    A-10

ARTICLE 5    IN-SERVICE WITHDRAWALS AND LOANS
A-5.1    Withdrawals Without a Hardship    A-12
(a)    Types of In-Service Withdrawals    A-12
A-5.2    Hardship Withdrawals    A-12
		
	(a)
	Events Creating Immediate and Heavy Financial Need

(Events Test)    A-12
(f)    Hurricane Relief    A-13
A-5.3    Loans    A-13 
(o)    Hurricane Relief    A-13
A-5-5    No In-service Withdrawal from Money Purchase Accounts    A-13

ARTICLE 6    POST-EMPLOYMENT DISTRIBUTIONS
A-6.3    Timing of Payment    A-15
		
	(a)
	Payment to a Participant    A-15

A-6.4    Forms of Payment    A-15
		
	(b)
	Annuities    A-15

A-6.7    Required Minimum Distribution Rules    A-15
A-6.8    Beneficiary Designation    A-15
A-6.11    Direct Rollover of Eligible Distributions    A-16

ARTICLE 7    LIMITATIONS ON CONTRIBUTIONS
A-7.1    Excess 402(g) Contributions      A-17
A-7.2    Code Section 415 Limitations    A-17
(b)    Correction of Excess Annual Additions    A-17
A-7.3    Top-Heavy Rules    A-17
		
	(a)
	Applicable Definitions    A-17

		
	(b)
	Determination of Top-Heavy Status    A-19

		
	(c)
	Minimum Benefit During Top-Heavy Plan Years    A-19

A-7.4    Nondiscrimination (ADP and ACP) Tests    A-20
		
	(a)
	ADP Test    A-20

		
	(b)
	ACP Test    A-21

		
	(c)
	Correction of Excess ADP Contributions and ACP

Contributions    A-22
		
	(d)
	Excess Annual Addition    A-23

		
	(e)
	Corrective Contribution    A-24

		
	ARTICLE 9
	ADMINISTRATION

A-9.1    Allocation of Fiduciary Responsibilities    A-25
(b)    Committee    A-25

SUNTRUST BANKS, INC. 401(k) PLAN
Amended and Restated January 1, 2012 including amendments 
through December 31, 2012

ADDENDUM A
HISTORY OF REVISED PLAN PROVISIONS

The following provisions are records of the Plan’s relevant history.  These provisions have the same Section headings and numbers as the corollary Sections in the main text of the Plan, with the prefix “A-” to correspond to this Addendum A.  Certain provisions explain historical events.  Others explain rules that were in effect during the stated periods of the Plan's existence but have been revised as set forth in the corollary Sections of the main text of the Plan.  Although revised, these historical provisions may continue to affect the amount of and/or entitlement to benefits of a Participant or beneficiary whose benefits are determined after the dates when these provisions were changed, particularly those Participants who terminated before the effective date of one or more revisions.

ARTICLE 1
Definitions
		
	A-1.1
	Accounts.

		
	(a)
	Employer Contribution Accounts

		
	(1)
	Matching Account Investment.  See Subsection A-3.2(a) for Matching Contribution Amounts. 

        
(A)    Plan Years 1984 - 2004.  From July 1, 1984 through December 31, 2004, the Plan automatically invested Matching Contributions in the Employer Stock Fund.  From January 1, 1987 (the effective date of the Tax Reform Act of 1986) through June 30, 1997, the Plan permitted Participants to elect to diversify up to 50% their Matching Contribution in the Employer Stock Fund beginning the first day of the month in which they reached age 55.  From July 1, 1997 through December 31, 2004, the Plan , the Plan permitted Participants to elect to diversify up to 

    

100% of their Matching Contribution in the Employer Stock Fund beginning the first day of the month in which they reached age 55.  
		
	  
	(B)    Plan Years 2005 – 2006.  From January 1, 2005 through December 31 – 2006, the Plan automatically invested Matching Contributions in the Employer Stock Fund.  The Plan permitted Participants to elect to diversify up to 50% of their Matching Contributions allocated after 2004, and to elect to diversify up to 100% of their Matching Contributions allocated through 2004.  

		
	  
	(C)    Plan Years 2007 – 2008.  From January 1, 2007 through December 31, 2008, the Plan invested Matching Contributions in the Employer Stock Fund, and permitted Participants at any time to elect to diversify the investment of their Matching Account balances into funds other than the Employer Stock Fund.  

		
	 
	(D)    Plan Years 2009 – Present.  Effective January 1, 2009, the Plan invests Matching Contributions according to each Participant’s investment election in effect for his/her Elective Deferrals, unless he/she elects another investment option.

(E)    True-up Matching Contributions for the 2008 Plan Year, made under Subsection 3.2(b), were invested in the Employer Stock Fund (with full and immediate diversification rights).  Effective January 1, 2009, True-Up Contributions are invested according to the Participant’s election in effect on the allocation date.

		
	A-1.4
	Annual Addition Limit.  For Plan Years 1984 through 2001, the limit on Annual Additions was the lesser of $30,000 or 100 percent of each Participant’s Compensation for the Limitation Year.   Effective January 1, 2002, the dollar limit on Annual Additions was increased to $40,000 (as indexed in $1,000 increments under Code Section 415).  See Subsection 7.2(a).

		
	A-1.13
	Compensation.

    

		
	 (a) 
	Contributions.  Before January 1, 2006, for purposes of calculating Plan contributions, Compensation did not include non-deferred payments under the SunTrust Management Incentive Plan (MIP) or any successor plan.  Before January 1, 2008, Compensation did not include trailing pay as described in  the main text of the Plan.

. . . 
		
	(c) 
	Statutory Limit.  For Plan Years 1989 through 1993, each Participant's Compensation taken into account for all purposes under the Plan was limited to $200,000 (as indexed under Code Section 401(a)(17)).  For Plan Years 1994 through 2001, each Participant's Compensation taken into account for all purposes under the Plan was limited to $150,000 (as indexed in $10,000 increments under Code Section 401(a)(17)).  Effective January 1, 2002, EGTRRA increased the limit to $200,000 with indexing in $5,000 increments. 

A-1.14    Contributions.     
. . . 
(b)    Before-Tax and/or After-Tax Employee Contributions. 

		
	(1)
	Elective Deferrals.  See Subsection A-3.1(a) for the whole percentages of Compensation that the Plan permitted Participants to elect for their Elective Contributions for each Plan Year from 1984 through 2010.  Effective January 1, 2011, the Plan allows Participants to make Elective Contributions and/or Roth Contributions in whole percentages between 1% and 50% of Compensation for each payroll period in each Plan Year.

 
		
	A-1.22
	Employee.  Before January 1, 2008, common-law employees who were classified as prime-time or temporary were not covered Employees.

		
	A-1.33
	ESOP.  For Plan Years 1984 through 2006, the entire Plan was an employee stock ownership plan under Code Sections 401(a) and 4975(e)(7) (ESOP), with Code Section 40l(k) features.  As an ESOP, the Plan was designed to invest primarily in 

    

qualifying employer securities.  Effective January 1, 2007, the Employer Stock Fund became the ESOP portion of the Plan.

		
	A-1.49
	Plan.  Before January 1, 2007, “Plan” was defined to mean the SunTrust Banks, Inc. 401(k) Plan as amended from time to time.  Effective January 1, 2007, the Plan was converted from an ESOP to a Code Section 401(k) Plan with the ESOP (the Employer Stock Fund) as an integral part, which is commonly called a KSOP.

		
	A-1.64
	Spouse.  For Plan Years 1984 through June 30, 2001, the Plan applied a one-year marriage requirement to determine whether a Participant’s spouse was entitled to statutory spousal rights.  The Plan rescinded the requirement effective July 1, 2001. 

    
		
	A-1.70
	Valuation Date.  For Plan Years 1984 through July 1, 1997 when the Plan adopted daily valuation, the Valuation Date was the last day of each calendar month. 

    

ARTICLE 2
Eligibility

		
	A-2.1
	Eligibility.  

		
	(a)
	Plan Years 1984 – 2001.  From July 1, 1984 through December 31, 2001, Employees were permitted to begin participating in the Plan as of the first day of the month after they had both reached age 21 and completed one Year of Service.  From July 1, 1984 through December 31, 2001, the Plan did not allocate Matching Contributions to any Participant until he/she had completed 12 months of Employment.    

		
	(b)
	Plan Years 2002 – March 31, 2007.  From January 1, 2002 through March 31, 2007, the Plan permitted each new Employee  to begin participating in the Plan by making Employee Contributions and receiving allocations of Matching (Safe Harbor) Contributions, as of the first day of the second calendar month after his/her Employment Date.  

		
	(c)
	April 1, 2007 – Present.  Effective April 1, 2007, new Employees are automatically enrolled as of the first day of the second calendar month after their Employment Date.  Effective January 1, 2011, all employees who do not have an affirmative election in effect will be automatically enrolled.    

		
	A-2.2
	Participation Upon Reemployment.  

		
	(a)
	Plan Years 1984 - 2001.  From July 1, 1984 through December 31, 2001, the Plan permitted a Participant who terminated and was rehired, to resume participation as of the first day of any month following the date he/she resumed Employment or as soon thereafter as administratively practicable.  For each rehired Participant whose initial Employment Date preceded August 1, 1998, the Plan treated him/her as if he/she had completed 12 months of pre-break Employment and was eligible to receive Matching Contributions when he/she resumed Participation in the Plan.  Each rehired Participant whose initial Employment Date was between August 1, 

    

1998 and December 31, 2001, and whose break did not exceed 12 months, received credit for his/her actual pre-break months of Employment and for the months between his/her Termination Date and his/her rehire date, for purposes of eligibility to receive Matching Contributions; if his/her break exceeded 12 months, he/she received credit for his/her actual pre-break months of Employment for purposes of eligibility to receive Matching Contributions.

		
	(b)
	Plan Years 2002 – Present.  Effective January 1, 2002, the Plan does not require a waiting period for Matching Contributions for new hires or for rehires.

		
	A-2.4
	Adoption of the Plan by a Controlled Group Member.  Before January 1, 2002, a Controlled Group member could adopt the Plan by appropriate action of its board of directors or authorized officer(s) or representative(s), subject to approval of the Board and the Committee.  Effective January 1, 2002, a Controlled Group member is treated as an Employer when it is shown on the Company’s master payroll books and records as an Affiliate that can make contributions, or for which contributions can be made, on behalf of the Affiliate’s Employees to provide coverage under employee benefit plans sponsored by the Company, unless excluded under the main text of Plan Section 2.4.

    

ARTICLE 3
Contributions

A-3.1    Employee Elective Contributions and Catch-Up Contributions.

(a)      Amount Permitted.  The Plan requires Participants to make their Elective Contributions in whole percentages.  For Plan Years 1984 through 1996, the Plan permitted Participants to make Elective Contributions between 2% and 6% of Compensation for each payroll period.  For Plan Years 1997 through 1999, the Plan permitted Participants to make Elective Contributions between 2% and 10%.  For Plan Years 2000 through 2002, the Plan permitted Participants to make Elective Contributions between 1% and 15%.  For Plan Years 2003 through 2010, the Plan permitted Participants to make Elective Contributions between 1% and 20%.  Effective January 1, 2011, the Plan permits Participants to make Elective Contributions and/or Roth Contributions between 1% and 50% for each payroll period.
   
. . . 
		
	(d)
	Catch-Up Contributions.  The Plan has permitted eligible Participants to make Catch-Up Contributions since January 1, 2002.  During the 2002 Plan Year, Eligible Participants could elect to make Catch-Up Contributions commencing after they reached their maximum limit on regular Elective Contributions for the year.  Beginning January  1, 2003, after an eligible Participant has elected to make Catch-Up Contributions, the election remains in effect until he/she changes or revokes it, and the Plan automatically converts his/her Elective Contributions to Catch-Up Contributions after he/she reaches the Code Section 402(g) dollar limit or the Plan limit for each Plan Year.

 
		
	(1)
	Annual Catch-Up Contribution Limit and Pro-Rated Limit.  The following Catch-Up Contribution limits were in effect for the following calendar years:  2002 - $1,000; 2003 - $2,000; 2004 - $3,000; 2005 - $4,000; 2006 - $5,000.  For years after 2006, the annual limit is indexed to the CPI in $500 increments under Code Section 414(v).  During the 2002 Plan Year only, 

    

when the Committee considered it appropriate to facilitate administration, if a Participant was eligible to make Catch-Up Contributions and entered or re-entered the Plan mid-year, the Plan pro-rated the limit in effect for that Plan Year, to equal the ratio of his/her months of participation over 12 multiplied by the annual limit.  For Plan Years 2002 through 2010, the Plan permitted Participants to make Catch-Up Contributions between 1% and 55%.  Effective January 1, 2011, the Plan permits Participants to make Catch-Up Contributions between 1% and 25%.

		
	A-3.2
	Employer Matching Contributions.

		
	(a)
	Matching Contribution.  

		
	(1)
	Plan Years 1984 – 2001.  From July 1, 1984 through December 31, The Compensation Committee determined the amount of the Matching Contribution for each Plan Year.  The Compensation Committee  developed a practice of causing the Employers to make annual Matching Contributions in an amount equal to 100 percent of the first 3 percent, and 50 percent of the next 2 percent, of Compensation contributed by each Participant for each payroll period during each Plan Year, which practice remained in effect through the 2001 Plan Year.  From July 1, 1984 through December 31, 2001, the Plan did not allocate Matching Contributions to any Participant until he/she had completed 12 months of Employment.

During the first month of the 2000 Plan Year, the recordkeeper inadvertently allocated a Matching Contribution in a manner that overstated the amounts in the Employer Contribution Accounts invested in Employer Stock.  As soon as practicable after the Committee discovered the overstatement, it directed the recordkeeper to correct the balances of Participants who had not received distributions.  For Participants who had received distributions, which the Committee determined to be a nondiscriminatory group, the Company made a special Matching Contribution in the amount necessary to reconcile the distributed Account balances with the Trust Fund.  The 

    

Committee determined, within its discretion reserved in Subsection 4.1(f), that the cost of attempting to recover the overstated amounts exceeded the amounts involved, and that the special Matching Contribution was the more reasonable method to achieve reconciliation.

		
	(2)
	Plan Years 2002 – 2007.  From January 1, 2002 through December 31, 2007, the Employers made safe-harbor contributions in an amount equal to 100% of the Compensation contributed by each Participant up to 4 percent, for each payroll period during the Plan Year.  The Employers have never made Matching Contributions for Catch-Up Contributions.

		
	(3)
	Plan Years 2008 – 2011.  From January 1, 2008 through December 31, 2011, the Employers make safe-harbor contributions in an amount equal to 100% of the Compensation contributed by each Participant up to 5 percent, for each payroll period during the Plan Year. 

		
	(b)
	Vesting and Forfeiture.

		
	(1)
	Plan Years 1984 – 1996.   From July 1, 1984 through December 1996, the Plan used the elapsed-time method of counting service, and used a five-year cliff vesting schedule.  The Plan complied with the break-in-service rules set forth in Code Sections 410 and 411.

		
	(2)
	Plan Years 1997 – 2010.  For Plan Years 1997 through 2010, the Plan fully vested all Employer Contribution Accounts, including Accounts of terminated Participants who had not had a five-year break in service.

		
	(3)
	Plan Years After 2010.  Each Employee whose Employment Date is after December 31, 2010, or who resumes Employment after that date if not previously vested, will be 100% vested in his/her Matching Account balance on the earlier of the date he/she has completed two Years of Vesting Service, or has been determined to be totally and permanently disabled for 

    

a period of six months for purposes of the Employer’s long-term disability plan, or on his/her date of death.

    

ARTICLE 4
Allocations

		
	A-4.1
	Adjustments to Account Balances.

. . .
		
	(c)
	Dividends on Employer Stock for the 2001 Plan Year.   The Committee applied special election rules to the extent necessary to maximize the Company’s deduction for dividends declared during 2001, as permitted under IRS Notice 2002-2.

-
		
	A-4.2
	Investments.

. . .
(d)    Investment Elections. 

		
	(1)
	Initial Election.  See Subsection (h) Diversification Elections.

		
	(2)
	Failure to Elect.  From July 1, 1984 through March 31, 2007, the Plan invested  the Employee Contribution Account balances of any Participant who failed to timely complete his/her election, in a fund that invested primarily in fixed-income investments with relatively short average maturities.  Effective April 1, 2007, the Plan invests 100% of the allocations to such Participant’s Employee Contribution  Accounts in a fund that meets the statutory requirements for a qualified default investment alternative (QDIA) under ERISA Section 404(c), i.e., life-cycle funds, balanced funds, and/or professionally managed funds.  Effective January 1, 2009, the Plan also invests allocations to such Participant’s Matching Contribution Account in the same QDIA fund that holds his/her other Account balances. 

. . .
(h)    Diversification Elections.   Participants have always made diversification elections by making a fund transfer in 1 percent increments among the available investment funds as of any Valuation Date, or as otherwise provided in Addendum B.  

    

		
	(1)
	Plan Years 1984  - June 30, 1997.  Beginning on the July 1, 1984 Effective Date of the Plan, the Plan invested  Matching Contribution Account balances only in the Employer Stock Fund until the first day of the month in which the Participant reached age 55, at which time he/she could elect to diversify his/her investment in the Employer Stock Fund.    From January 1, 1987 (the effective date of the Tax Reform Act of 1986) through June 30, 1997, the Plan permitted Participants to elect to diversify up to 50% their Matching Contributions in the Employer Stock Fund beginning the first day of the month in which they reached age 55.

		
	(2)
	Plan Years July 1, 1997 – 2004.  From July 1, 1997 through December 31, 2004, the Plan permitted Participants to elect to diversify up to 100% of their Matching Contribution in the Employer Stock Fund beginning the first day of the month in which they reached age 55.  

		
	(3)
	Plan Years 2005 – 2006.  From January 1, 2005 through December 31, 2006, the Plan permitted all Participants, regardless of age, to diversify up to 50% of their Matching Contributions allocated to their Accounts after December 31, 2004.  As of the first day of the month after reaching age 55, participants could  diversify up to 100%.

		
	(4)
	 Plan Years 2007 –2008.  From January 1, 2007 through December 31, 2008 the Plan invested Matching Contributions in the Employer Stock Fund.  Participants had unrestricted diversification rights and at any time could elect to invest their Matching Contributions in another fund.

		
	(5)
	Plan Years 2009 – Present.  Beginning January 1, 2009, the Plan invests each Participant’s Matching Contributions according to the investment election he/she has in effect for his/her Employee Contributions, unless he/she affirmatively elect to invest his/her Matching Contributions in one or more of the other investment options available under the Plan.  Participants may make separate elections for their Matching Contributions.

    

ARTICLE 5
In-Service Withdrawals and Loans

		
	A-5.1
	Withdrawals Without a Hardship.

    
		
	(a)
	Types of In-Service Withdrawals.

. . .
		
	(5)
	Required In-Service Withdrawals.  Before the 1997 calendar year, the Plan paid required annual amounts to each active Participant who had reached his/her age 70-1/2 required beginning date under Code Section 401(a)(9).  The Plan ceased this practice in 1997, as permitted by the Small Business Jobs Protection Act of 1996.  The Plan is not required to grandfather the practice because it permits as-needed withdrawals after Participants reach age 59-1/2.

		
	A-5.2
	Hardship Withdrawals.  For a Participant who received a hardship withdrawal before January 1, 2002, the Plan imposed a 12-month suspension on Elective Contributions.  The Code Section 402(g) Dollar Limit described in Section 7.1 of the main text of the Plan for the calendar year following the calendar year in which he/she received his/her hardship withdrawal, was reduced by the amount of the Elective Contributions he/she made during the calendar year in which he/she received his/her hardship withdrawal.  The Dollar Limit in effect for the second calendar year applied to the two calendar years as if they were a single year.  Effective January 1, 2002, the Plan no longer applies the Dollar Limit across two Plan Years, and the suspension period is six months.

. . .
		
	(b)
	Events Creating Immediate and Heavy Financial Need (Events Test).  Before January 1, 2006, a hardship withdrawal had to be necessitated by one of the safe-harbor events listed in Section 5.2 of the main text of the Plan, or by a facts-and-circumstances event.  Effective January 1, 2006, the Plan added two new safe-harbor events (burial or funeral expenses and home repair expenses). 

. . .

    

(f)    Hurricane Relief.  Notwithstanding any other provision of the Plan, the Committee was permitted to implement applicable provisions of the Katrina Emergency Tax Relief Act of 2005 (KETRA), the Gulf Zone Opportunity Act of 2005 (GOZA), and IRS Announcement 2005-70, for any Participant, Spouse, qualifying child or qualifying relative whose hardship arose from Hurricane Katrina between August 29, 2005 and March 31, 2006, or from Hurricane Wilma between October 23, 2005 and February 28, 2006, and who had their principal residence or place of employment in an area covered by KETRA or GOZA.  Each Participant whose need arose from any such Hurricane is an Affected Participant.  The Committee was permitted to treat the need arising from any such Hurricane as a safe-harbor reason for a hardship withdrawal.  The Committee was permitted to waive the six-months deferral suspension for Affected Participants, and the requirement for any documentation that was not available because of the Hurricane.

A-5.3    Loans.
. . .
(o)    Hurricane Relief.  Notwithstanding any other provision of the Plan, the Committee implemented applicable provisions of the Katrina Emergency Tax Relief Act of 2005 (KETRA), the Gulf Zone Opportunity Act of 2005 (GOZA), and IRS Announcement 2005-70, for any Participant whose need for a loan arose from economic losses in Hurricane Katrina between August 29, 2005 and March 31, 2006, or from Hurricane Rita on September 23, 2005, or from Hurricane Wilma on October 23, 2005, and who had their principal residence or place of employment in an area covered by KETRA or GOZA.  Each such Participant is an Affected Participant.  The loan limits were increased to the lesser of 100% of the Affected Participant’s Account balances or $100,000.  The Committee was permitted to delay loan repayments due between the Hurricane date and December 31, 2006, for one year, with the continued accrual of interest, and to adjust subsequent repayments to reflect the delay and the accrued interest.  The Committee is permitted to disregard the period of delay in determining the maximum five-year loan repayment period.

    

		
	A-5.5
	No In-service Withdrawal from Money Purchase Accounts.  Effective March 12, 1995, the Plan has not and will not permit any Participant or beneficiary to make any withdrawal from any balances that have been transferred into this Plan from any money purchase balances in any other plan, or from the post-transfer earnings on those balances, before he/she has had a payment event as described in Section 6.1 of the main text of the Plan. 

    

ARTICLE 6
Post-Employment Distributions

		
	A-6.4
	Timing of Payment.  . . .

		
	(a)
	Payment to a Participant.  

		
	(1)
	Plan Years 1985 - 1997.  From January 1, 1985  (the effective date of Code section 411(a)(11), the aggregate Account balance threshold for automatic cash-outs was $3,500.

		
	(2)
	Plan Years 1998 – March 27, 2005.  From January 1, 1998 through March 27, 2005, the aggregate Account balance threshold for automatic cash-outs was $5,000. 

		
	(3)
	March 28, 2005 – Present.  Effective March 28, 2005, the aggregate Account balance threshold for automatic cash-outs is $1,000.

 
		
	A-6.5
	Forms of Payment.  

(c)    Annuities.  Before April 1, 2002, the Plan provided annuity forms of payment to certain acquired or merged entities listed in Addendum B, which forms were grandfathered from predecessor plans that merged into this Plan.  During 2001, the Plan provided a 90-day notice to all affected Participants that, effective April 1, 2002, the Plan no longer offers annuity forms of payment.  However, with respect to Money Purchase Accounts, the Plan continues to provide the single life annuity as the normal form for unmarried Participants, and the 50 percent joint and survivor annuity as the normal form for married Participants.  

		
	A-6.7 
	Required Minimum Distribution Rules.  For calendar years before 2003, the Plan complied with Treas. Regs. § 1.401(a)(9) as in effect before the 2002 revisions.

    

    

		
	A-6.8 
	Beneficiary Designation.  From January 1, 2002 through December 31, 2003, to be treated as a survivor, an individual beneficiary had to survive the Participant by a period no less than 30 days. 

		
	A-6.11
	Direct Rollover of Eligible Distributions .  Before January 1, 2002, a surviving Spouse could not roll over a distribution to an eligible retirement plan.  Code Section 402(c)(8)(B) was amended effective January 1, 2002 to define an “eligible retirement plan” to include Code Section 403(b) plans and Code Section 457(b) governmental plans.  Before January 1, 2007, non-Spouse alternate payees or other beneficiaries could not roll over distributions from this Plan.  Before January 1, 2007, the Plan did not permit direct rollovers from After-Tax Accounts.

    

ARTICLE 7
Limitations on Contributions

		
	A-7.1
	Excess 402(g) Contributions.  The Plan distributed gap period income with Excess 402(g) Contributions for the 2007 Plan Year.

		
	A-7.2
	Code Section 415 Limitation.  

...
(b)    Correction of Excess Annual Additions.  Before January 1, 2008, the Committee removed from each Participant’s Accounts any allocations that would cause his/her Annual Addition for any Plan Year to exceed his/her Maximum Annual Addition, if the excess resulted from a reasonable error in estimating his/her annual Compensation, or in determining the amount of Elective Contributions that he/she could make under the Dollar Limit described in Section 7.1, or under other circumstances that the Internal Revenue Service permitted.  The Committee first refunded unmatched Employee Contributions, and then matched Employee Contributions, with attributable earnings.  The Committee then removed the Matching Contributions attributable to each refund to a suspense account.  The Committee reallocated the amount in the suspense account to all Participants as part of their Matching Contribution for the same or the next Plan Year.  Beginning January 1, 2008, the Committee corrects any Excess Annual Addition by using correction methods prescribed by the IRS.

		
	A-7.3
	Top-Heavy Rules.  Before the Plan became a safe harbor plan under Code Sections 401(k)(12) and 401(m)(11) on January 1, 2002, the Plan was required to prove that it was not top-heavy under Code Section 416.  Effective for the 2002 Plan Year, the Plan is exempt from the top-heavy rules as a safe harbor plan.  The Committee has determined that the Plan was not top-heavy for any Plan Year before 2002.  The rules in this Section applied before the Plan became safe harbor in the 2002 Plan Year.  

		
	(a)
	Applicable Definitions.  For purposes of this Section, the following terms have the meanings set forth below.

    

		
	(1)
	Aggregation Group.  The Required Aggregation Group includes each qualified plan maintained in the Controlled Group in which a Key Employee is a participant, and each other plan that enables any plan with Key Employee participants to meet the requirements of Code Section 401(a)(4) or 410, which plans are required to be aggregated for purposes of determining top‐heavy status.  The Permissive Aggregation Group includes the qualified plans of the Controlled Group that are required to be aggregated, plus such plans that are not part of the Required Aggregation Group but that satisfy the requirements of Code Sections 401(a)(4) and 410 when considered together with the Required Aggregation Group.

		
	(2)
	Cumulative Account Balances means the Cumulative Account Balance of each Participant as of any Determination Date, which includes his: (A) Employer Contribution Account balance as of the most recent Valuation Date, adjusted by allocations of his/her proportionate share of Employer Contributions actually made and allocations of investment gains or losses made or due to be made under Section 4.1 of the main text of the Plan as of the Determination Date; (B) Employee Contribution Account balances as of the most recent Valuation Date, adjusted by allocations of investment gains or losses made or due to be made under Section 4.1 as of the Determination Date; and (C) distributions made during the one-year period ending on the Determination Date because of termination, death or Disability and any in-service withdrawals made during the five-year period ending on the Determination Date, but excluding distributions made to or on behalf of any Participant who has not performed service for an Employer during the one-year period ending on the Determination Date, and excluding distributions rolled over to qualified plans maintained by Controlled Group members that are reflected in Account balances.  Before 2002, the lookback period was 5 years for all distributions.

		
	(3)
	Determination Date means, for each Plan Year, the last day of the preceding Plan Year.

    

		
	(4)
	Key Employee means any Employee or former Employee (including any deceased employee) who at any time during the Plan Year that includes the Determination Date was an officer of an Employer having annual Compensation greater than $130,000 (as adjusted under Code Section 416(i)(1) for Plan Years beginning after December 31, 2002), a 5-percent owner of an Employer, or a 1-percent owner of an Employer having annual Compensation greater than $150,000.  No more than the lesser of 50 Employees or 10 percent of all Employees (at least 3) are treated as officers.

(5)Non‐Key Employee means an Employee who is not a Key Employee.

(6)Top-Heavy Plan Year means a Plan Year when the Plan is top-heavy.   

		
	(a)
	Determination of Top-Heavy Status.  The Plan will be treated as top‐heavy for the tested Plan Year if either: (1) the sum of the Cumulative Account Balances of Participants who are Key Employees exceeds 60 percent of the sum of the Cumulative Account Balances of all Participants; or (2) the Plan is part of a Required Aggregation Group in which more than 60 percent of the sum of (A) aggregated Cumulative Account Balances, and (B) present values of accrued benefits under defined benefit plans, have been accumulated in favor of Key Employees (including distributions under any Employer-sponsored plan during the 1-year period ending on the determination date, or during the past 5-year period for any in-service withdrawals).  The Plan will not be considered a top-heavy plan with respect to any Plan Year in which the Plan is part of a Required or Permissive Aggregation Group that is not top-heavy.

		
	(b)
	Minimum Benefit During Top-Heavy Plan Years.  Each Participant who is a Non-Key Employee in a Top-Heavy Plan Year and who also participates in a defined benefit plan maintained by a Controlled Group member, will receive the minimum benefit under the defined benefit plan required under Code Section 416(c)(1).  Each Non-Key Employee Participant who does not participate in a defined benefit plan, and who has not terminated Employment as of the last day of the Plan Year, will receive an allocation of Employer Contributions in an amount not 

    

less than the lesser of (A) 3 percent of his/her taxable Form W-2 Compensation, or (B) the Compensation percentage of the Key Employee whose percentage is the highest of all Participants for the Plan Year, which percentage is calculated by including both Employer Contributions (other than Safe Harbor Contributions) and Employee Contributions.  The Company will make the required Employer Contribution for each eligible Non-Key Employee Participant whether or not he/she has made any Employee Contributions for the Plan Year, and regardless of his/her level of Form W-2 Compensation for the Plan Year.

		
	A-7.4
	Nondiscrimination (ADP and ACP) Tests.  Before January 1, 2002, the Plan was required to satisfy the ADP and ACP Tests for each Plan Year.  Effective in 2002, the Plan meets the safe harbor requirements under Code Sections 401(k)(12) and 401(m)(11) and is exempt from nondiscrimination testing.  For each Plan Year before 2002 when the Plan was redesigned as safe harbor, the Committee ensured that the Plan met the nondiscrimination tests in that it (a) limited or directed the Trustee to refund Employee Contributions for HCEs to the extent necessary to meet the ADP Test, and (b) limited Matching Contributions for HCEs to the extent necessary to meet the ACP Test.  Alternatively, the Plan authorized the Committee to direct the Company to make the Corrective Contributions described in Subsection (e).  Beginning in 1999, the Plan excluded from the ADP and ACP Tests any NCE who had less than one Year of Service and was younger than age 21.  The Plan did not use the lookback year testing method.  If the Plan should lose safe harbor status for any Plan Year, these rules will again apply for that Plan Year, as updated to comply with applicable laws in effect at that time.  

		
	(a)
	ADP Test.  The Plan conducted the ADP Test for each Plan Year to determine whether the Actual Deferral Percentage (ADP) for the HCE Group and the ADP for the NCE Group for each Plan Year were within the maximum disparity described in Subsection (a)(3).  The Plan conducted the ADP Test by the following steps:

		
	(1)
	Actual Deferral Ratio (ADR).  The Committee determined the ratio of the sum of each Participant's Employee Contributions and any of his/her Employer Contributions used in the ADP Test, to his/her Compensation.

    

		
	(2)
	Average Deferral Percentage (ADP).  The ADP for the HCE Group is the average of their individual ADRs, calculated separately for each HCE in the Group.  The ADP for the NCE Group is the average of their individual ADRs, calculated separately for each NCE in the Group.

		
	(3)
	Maximum Disparity.  In no Plan Year did the Average Deferral Percent-age of the HCE Group exceed the greater of: (A) the ADP of the NCE Group multiplied by 1.25; or (B) the lesser of the ADP of the NCE Group plus 2 percentage points, or the ADP of the NCE Group multiplied by 2.

		
	(b)
	ACP Test.  The Plan conducted the ACP Test to determine whether the Actual Contribution Percentage (ACP) for the HCE Group and the ACP for the NCE Group for each Plan Year were within the maximum disparity permitted under Subsection (b)(3).  The Plan conducted the ACP Test by the following steps:

		
	(1)
	Actual Contribution Ratio (ACR).  The Committee determined the ratio of each Participant’s allocation of Matching Contributions and any Corrective Contributions made to satisfy the ACP Test, to his/her Compensation.

		
	(2)
	Average Contribution Percentage (ACP).  The ACP for the HCE Group is the average of their individual ACRs, calculated separately for each HCE in the Group.  The ACP for the NCE Group is the average of their individual ACRs, calculated separately for each NCE in the Group.

		
	(3)
	Maximum Disparity.  In no Plan Year did the Average Contribution Percentage of the HCE Group exceed the greater of: (A) the ACP of the NCE Group multiplied by 1.25; or (B) the lesser of the ACP of the NCE Group plus 2 percentage points, or the ACP of the NCE Group multiplied by 2.

		
	(c)
	Correction of Excess ADP Contributions and Excess ACP Contributions. Before the 2002 Plan Year, the Committee corrected Excess ADP Contributions 

    

and Excess ACP Contributions by using the following rules.  If the Plan should lose safe harbor status for any Plan Year, the Committee will use these rules if correction is needed.  

		
	(1)
	Correction before Excess Contributions are Made.  If the Committee determined, before Excess ADP Contributions and/or Excess ACP Contributions were made, that the Plan would fail to meet either the ADP Test or the ACP Test or both tests for that Plan Year, it either made the Corrective Contribution described in Subsection (e) or limited the Employee Contributions and/or the Matching Contributions for the HCE Group by such 

    

amount and beginning as of such pay period as it considered necessary to prevent failing the ADP Test and/or ACP Test.

		
	(2)
	Correction after Excess Contributions are Made.  If the Committee determined, after the Plan had already received Excess ADP Contributions and/or Excess ACP Contributions, that the Plan would fail to meet either the ADP Test or the ACP Test or both tests for that Plan Year, it selected one or more of the following methods to cure the failure: (A) directed that the Corrective Contribution described in Subsection 3.2(c) be made, or (B) refunded, distributed and/or forfeited the excess amounts and attributable earnings for affected HCEs. The Committee effected the curative method no later than the end of the Plan Year following the Plan Year for which the excess amount was contributed, and if practicable by March 15 of that Plan Year.

		
	(A)
	Refund of Excess ADP Contributions.  If the Committee elected to correct the excess by making refunds, it determined the dollar amount of the excess to be refunded by using the ratio leveling method, and then refunded Excess ADP Contributions to HCEs in the order of the dollar amount contributed, beginning with the HCE with the highest dollar amount and continued the refunds, if necessary, until all HCEs had the same dollar amount, and then reduced those dollar amounts equally. The Committee first refunded unmatched Employee Contributions to each affected HCE, and then refunded matched Employee Contributions.

 
		
	(B)
	Forfeiture of Excess ACP Contributions.  For any Plan Year, the Committee forfeited Matching Contributions attributable to refunded Employee Contributions.  To the extent that forfeitures (if any) were not sufficient to cure failure of the ACP Test, the Committee distributed Excess ACP Contributions to HCEs. The Committee determined the dollar amount of the Matching Contributions to be distributed, by using the ratio leveling method, and then distributed the excess amount by 

    

the dollar leveling method, i.e., in the order of the dollar amount contributed, beginning with the HCE with the highest dollar amount and continued the distributions, if necessary, until all HCEs had the same dollar amount, and then reduced those dollar amounts equally.

		
	(3)
	Determination of Earnings.  The Committee used the Plan's normal method of calculating earnings to determine the amount of earnings attributable to each Participant's Excess ADP Contributions and/or Excess ACP Contributions for the Plan Year for which the Contributions were made, and ignored gap period earnings (for the period between the end of the Plan Year and the correction date).  Effective January 1, 2008, the Committee will ignore gap period earnings (for the period between the end of the Plan Year and the correction date).

		
	(d)
	Excess Annual Addition.  Any Employee Contribution or Employer Contribution that was an Excess Annual Addition for purposes of the Code Section 415 limit, and was distributed under Subsection 7.2(b), was not be included in the ADP Test or ACP Test, as applicable. 

		
	(e)
	Corrective Contribution.  For any Plan Year when the Plan does not have safe-harbor status and the Plan has Excess ADP Contributions and/or Excess ACP Contributions, the Committee, in its discretion and in lieu of the refunds/distributions/forfeitures described in this Section A-7.4, may direct the Employers to make a Corrective Contribution in the amount necessary to satisfy the ADP Test and/or ACP Test.

		
	(1)
	Qualified Matching Contributions (QMACs).  The Committee may direct each affected Employer to make a Corrective Contribution to match a percentage of the Employee Contributions made by NCEs for the Plan Year, in addition to the regular Matching Contribution, in the amount necessary to meet the ADP Test and/or ACP Test for the Plan Year.

    

		
	(2)
	Qualified Nonelective Contributions (QNECs).  The Committee may direct each affected Employer to make a Corrective Contribution that is allocated by one of the following methods:  (1) uniform percentage of Compensation, (2) per capita, or (3) to selected NCEs in an amount that does not exceed the product of each NCEs Compensation and the greater of 5% or two times the average ADP or ACP for the Plan Year.

    

ARTICLE 9
Administration

		
	A-9.1
	Allocation of Fiduciary Responsibilities.

...
		
	(b)
	Committee.

		
	(1)
	Before January 1, 2008, the Chairman of the Compensation Committee of the Board of Directors appointed the members of the Committee.

		
	(2)
	    From January 1, 2008 through July 1, 2011, the Plan was administered by one Committee, the Benefits Plan Committee, comprised of at least 3 individuals with the Company’s Chief Financial Officer as the Chairman.  The Chairman was responsible for appointing the members of the Committee.  Effective July 1, 2011, the Plan was amended to establish two fiduciary committees as follows: the Benefits Plan Committee, chaired by the Chief Human Resources Officer, responsible for the administration and operation of the Plan and the Benefits Finance Committee, chaired by the Chief Financial Officer, responsible for all financial decisions including actuarial assumptions for plan valuations and plan investments.10.1.2.Addendum B 401(k) Plan

SUNTRUST BANKS, INC. 401(k) Plan
Amended and Restated January 1, 2012 including amendments 
through December 31, 2012

ADDENDUM B
ACQUIRED OR MERGED ENTITIES

The separate numbered units of this Addendum B set forth special provisions that apply only to Participants who were employed by one of the entities identified below before or at the time it was acquired by or merged with the Company or became or ceased to be part of the Controlled Group.   The numbered units are arranged by effective dates.  The special provisions set forth in each numbered unit have the same Section numbers and headings as the corollary Sections in the main text of the Plan, with the prefix “B” to correspond to this Addendum B.  Except to the extent that special provisions alter the corollary provisions in the main text of the Plan, the main text applies.

Unit No.      Acquired or Merged Entities    Effective Date    Page

B1    First National Bank of Venice    April 1, 1992    B-1
B2    HomeTrust Bank of Georgia    January 1, 1993    B-2
B3    First National Bank of Florence/First United
Bancorp    February 1, 1993    B-3
B4    Coast Bank and Federal Savings Bank    February 22, 1993    B-4
B5    Flagler National Bank    March 15, 1993    B-5
B6    Regional Investment Corporation,
Premium Assignment Corporation,
Andrew Jackson Savings Bank, and
Baker Mortgage Loans, Inc.    February 17, 1994    B-6
B7    Peoples State Bank    May 12, 1995    B-7
B8    Key Biscayne Bank & Trust    August 11, 1995    B-8
B9    Stephens Diversified Leasing, Inc.    October 11, 1995    B-9
B10    Ponte Vedra Banking Corporation    January 19, 1996    B-10
B11    Union Planters National Bank    September 5, 1997    B-11
B12    Equitable Securities Corporation    January 1, 1998    B-12
B13    Citizens Bancorporation, Mariana, Florida     October 31, 1998    B-13
B14    First Union Corporation    December 31, 1998    B-14
B15    Crestar Financial Corporation     December 31, 1998    B-16
B16    The Regency Group    April 30, 1999    B-19
B17    Assets Management Advisors, Inc.    March 28, 2001    B-20
B18     The Robinson-Humphrey Company, LLC     July 26, 2001    B-21
B19    Huntington Bancshares    February 15, 2002    B-22
B20    Eagle Capital, LLC    February 1, 2003    B-23
B21    Home Financial Group LLC    June 1, 2003    B-24
B22    Lighthouse Financial Corporation    June 2, 2003    B-25

B23    Sun America Mortgage Corporation    August 1, 2003    B-26
B24    Seix Investment Advisors, Inc.    May 28, 2004    B-27
B25    National Commerce Financial Corporation    October 1, 2004    B-28
B26    Zevenbergen Capital, Inc.    January 1, 2005 – 
October 1, 2008    B-32
B27    Community Bank of Florida    March 17, 2006    B-33
B28    Inlign Wealth Management, LLC    December 31, 2007    B-34
B29    Salem Mortgage    January 31, 2008 –     B-35
February 29, 2008
B30    GB&T Bancshares, Inc.    May 1, 2008    B-36
B31    Cymbic Family Offices Services    December 31, 2008    B-37

SUNTRUST BANKS, INC. 401(k) Plan  
ADDENDUM B1
FIRST NATIONAL BANK OF VENICE

ARTICLE 1
Definitions

		
	B1-1.1
	Accounts.  The Venice Plan accounts that were merged into the corollary Employer Contribution Accounts under this Plan included leveraged and non-leveraged ESOP contributions, which were subject to 5-year cliff vesting but became fully vested on January 1, 1997, and tax credit ESOP contributions (commonly called PAYSOP contributions) that were fully vested.

		
	B1-1.20
	Effective Date means April 1, 1992, the date when First National Bank of Venice (Venice) became part of the Controlled Group (the Company Merger Date).  January 1, 1993 was the date when the Venice Plan became part of this Plan (the Plan Merger Date).  

		
	B1-1.49
	Plan (Venice Plan) means the Florida Westcoast Banks, Inc.  Employee Stock Bonus Plan, which was merged into this Plan as of the January 1, 1993 Plan Merger Date.  

ARTICLE 2
Eligibility

		
	B1-2.1
	Eligibility.  Each Employee who worked for Venice on the Company Merger Date, had met the Venice Plan eligibility requirements, and was an active Employee on the Plan Merger Date, became eligible to participate in this Plan on that date.  This Plan granted credit for service with Venice for purposes of eligibility to participate and to receive Matching Contributions, and vesting.

SUNTRUST BANKS, INC. 401(k) Plan  
ADDENDUM B2
HOMETRUST BANK OF GEORGIA

ARTICLE 1
Definitions

		
	B2-1.1
	Accounts.  The  HomeTrust Plan accounts that were merged into the corollary Employer Contribution Accounts under this Plan included leveraged ESOP contributions, matching contributions, and discretionary contributions,  which were fully vested.  Before-tax contributions were merged into Before-Tax Accounts.  

		
	B2-1.20
	Effective Date means January 1, 1993, the date when HomeTrust Bank of Georgia (HomeTrust) became part of the Controlled Group, and the date when the HomeTrust Plan became part of this Plan (the Company/Plan Merger Date).  

		
	B2-1.49
	Plan (HomeTrust Plan) means the Home Federal Savings Bank of Georgia Employee Stock Ownership Plan, which was merged into this Plan as of the  January 1, 1993 Company/Plan Merger Date.

ARTICLE 2
Eligibility

		
	B2-2.1
	Eligibility.  Each Employee who worked for HomeTrust on the Company/Plan Merger Date, had met the HomeTrust Plan eligibility requirements, and was an active Employee on the Company/Plan Merger Date, became eligible to participate in this Plan on that date.  This Plan granted credit for service with HomeTrust for purposes of eligibility to participate and to receive Matching Contributions.

SUNTRUST BANKS, INC. 401(k) Plan
ADDENDUM B3
FIRST NATIONAL BANK OF FLORENCE/FIRST UNITED BANCORP

ARTICLE 1
Definitions
		
	B3-1.1
	Accounts.  The Florence Plan accounts that were merged into the corollary Employer Contribution Accounts under this Plan included matching contribution accounts and discretionary contribution accounts, which were fully vested.  Before-tax contribution accounts were merged into Before-Tax Accounts.  After-tax contribution accounts were merged into After-Tax Accounts.  Rollover contribution accounts were merged into Rollover Accounts.  The Florence Plan offered annuity forms of payment and required Spousal consent for withdrawals and distributions.  This Plan retained that requirement.  This Plan issued 90-day notices that annuity forms are not offered and Spousal consent is not required after March 31, 2002.

		
	B3-1.20
	Effective Date means February 1, 1993, the date when the First National Bank of Florence (Florence) became part of the Controlled Group (the Company Merger Date).  July 1, 1993 was the date when the Florence Plan became part of this Plan (the Plan Merger Date).  

		
	B3-1.49
	Plan (Florence Plan) means the First National Bank of Florence Retirement Savings Plan, which was merged into this Plan as of the July 1, 1993 Plan Merger Date.  

ARTICLE 2
Eligibility
		
	B3-2.1
	Eligibility.  Each Employee who worked for Florence on the Company Merger Date, had met the Florence Plan eligibility requirements, and was an active Employee on the Plan Merger Date, became eligible to participate in this Plan on that date.  This Plan granted credit for service with Florence for purposes of eligibility to participate and to receive Matching Contributions, and vesting.

SUNTRUST BANKS, INC. 401(k) Plan

ADDENDUM B4
COAST BANK and FEDERAL SAVINGS BANK

ARTICLE 1
Definitions

		
	B4-1.20
	Effective Date means February 22, 1993, the date when Coast Bank and Federal Savings (Coast) became part of the Controlled Group (the Company Merger Date).

ARTICLE 2
Eligibility

		
	B4-2.1
	Eligibility.  Each Employee who worked for Coast on the Company Merger Date, had met this Plan’s eligibility requirements, and was an active Employee on July 1, 1993, became eligible to participate in this Plan on that date.  This Plan granted credit for service with Coast for purposes of eligibility to participate and to receive Matching Contributions, and vesting.

SUNTRUST BANKS, INC. 401(k) Plan

ADDENDUM B5
FLAGLER NATIONAL BANK

ARTICLE 1
Definitions

		
	B5-1.20
	Effective Date means March 15, 1993, the date when Flagler National Bank (Flagler) became part of the Controlled Group (the Company Merger Date).  

ARTICLE 2
Eligibility

		
	B5-2.1
	Eligibility.  Each Employee who worked for Flagler on the Company Merger Date, had met this Plan’s eligibility requirements, and was an active Employee on July 1, 1993, became eligible to participate in this Plan on that date.  This Plan granted credit for service with Flagler for purposes of eligibility to participate and to receive Matching Contributions.

SUNTRUST BANKS, INC. 401(k) Plan

ADDENDUM B6
REGIONAL INVESTMENT CORPORATION, PREMIUM ASSIGNMENT CORPORATION, ANDREW JACKSON SAVINGS BANK, AND BAKER MORTGAGE LOANS, INC.

ARTICLE 1
Definitions

		
	B6-1.20
	Effective Date means February 17, 1994, the date when Regional Investment Corporation, Premium Assignment Corporation, Andrew Jackson Savings Bank, and Banker Mortgage Loans, Inc.  (collectively Andrew Jackson) became part of the Controlled Group (the Company Merger Date).  

ARTICLE 2
Eligibility

		
	B6-2.1
	Eligibility.  Each Employee who worked for Andrew Jackson on the Company Merger Date, had met this Plan’s eligibility requirements, and was an active Employee on April 1, 1994, became eligible to participate in this Plan on that date.  This Plan granted credit for service with Andrew Jackson for purposes of eligibility to participate and to receive Matching Contributions.

SUNTRUST BANKS, INC. 401(k) Plan

ADDENDUM B7
PEOPLES STATE BANK

ARTICLE 1
Definitions

		
	B7-1.20
	Effective Date means May 12, 1995, the date when Peoples State Bank (Peoples)  became part of the Controlled Group (the Company Merger Date).  

ARTICLE 2
Eligibility

		
	B7-2.1
	Eligibility.  Each Employee who worked for Peoples on the Company Merger Date, had met this Plan’s eligibility requirements, and was an active Employee on July 1, 1995, became eligible to participate in this Plan on that date.  This Plan granted credit for service with Peoples for purposes of eligibility to participate and to receive Matching Contributions.

 SUNTRUST BANKS, INC. 401(k) Plan

ADDENDUM B8
KEY BISCAYNE BANK & TRUST

ARTICLE 1
Definitions

		
	B8-1.1
	Accounts.  The Key Biscayne Plan accounts that were merged into the corollary Employer Contribution Accounts under this Plan included matching contributions and discretionary contributions, which were fully vested.  Before-Tax Contribution Accounts were merged into Before-Tax Accounts.  After-Tax Contribution Accounts were merged into After-Tax Accounts.  Rollover Contribution Accounts were merged into Rollover Accounts.  The Key Biscayne Plan offered annuity forms of payment and required Spousal consent for withdrawals and distributions.  This Plan retained that requirement.  This Plan issued 90-day notices that annuity forms are not offered and Spousal consent is not required after March 31, 2002.

 
		
	B8-1.20
	Effective Date means August 11, 1995, the date when Key Biscayne Bank & Trust (Key Biscayne) became part of the Controlled Group (the Company Merger Date).  January 1, 1996 was the date when the Key Biscayne Plan became part of this Plan (the Plan Merger Date).  

		
	B8-1.49
	Plan (Key Biscayne Plan) means the Key Biscayne Bank 401(k) Profit Sharing Plan, which was frozen as of the August 11, 1995 Company Merger Date and merged into this Plan as of the January 1, 1996 Plan Merger Date.

ARTICLE 2
Eligibility

		
	B8-2.1
	Eligibility.  Each Employee who worked for Key Biscayne on the Company Merger Date, had met the Key Biscayne Plan eligibility requirements, and was an active Employee on the Plan Merger Date, became eligible to participate in this Plan on that date.  This Plan granted credit for service with Key Biscayne for purposes of eligibility to participate and to receive Matching Contributions.

SUNTRUST BANKS, INC. 401(k) Plan

ADDENDUM B9
STEPHENS DIVERSIFIED LEASING, INC.

ARTICLE 1
Definitions

		
	B9-1.20
	Effective Date means October 11, 1995, the date when Stephens Diversified Leasing, Inc.  (Stephens) became part of the Controlled Group (the Company Merger Date).

 
ARTICLE 2
Eligibility

		
	B9-2.1
	Eligibility.  Each Employee who worked for Stephens on the Company Merger Date, had met this Plan’s eligibility requirements, and was an active Employee on January 1, 1996, became eligible to participate in this Plan on that date.  This Plan granted credit for service with Stephens for purposes of eligibility to participate and to receive Matching Contributions.

SUNTRUST BANKS, INC. 401(k) Plan  
ADDENDUM B10
PONTE VEDRA BANKING CORPORATION

ARTICLE 1
Definitions

		
	B10-1.1
	Accounts.  The Ponte Vedra Plan accounts that were merged into the corollary Employer Contribution Accounts under this Plan included Matching Contribution Accounts and discretionary contribution accounts, which were fully vested.  Before-Tax Contribution Accounts were merged into Before-Tax Accounts.  After-Tax Contribution Accounts were merged into After-Tax Accounts.  Rollover Contribution Accounts were merged into Rollover Accounts.

 
		
	B10-1.20
	Effective Date means January 19, 1996, the date when Ponte Vedra Banking Corporation (Ponte Vedra) became part of the Controlled Group (the Company Merger Date).  April 1, 1996 was the date when the Ponte Vedra Plan became part of this Plan (the Plan Merger Date).  

		
	B10-1.49
	Plan (Ponte Vedra Plan) means the Ponte Vedra National Bank Retirement Savings Plan, which was merged into this Plan as of the  April 1, 1996 Plan Merger Date.  

ARTICLE 2
Eligibility

		
	B10-2.1
	Eligibility.  Each Employee who worked for Ponte Vedra on the Company Merger Date, had met the Ponte Vedra Plan eligibility requirements, and was an active Employee on the Plan Merger Date, became eligible to participate in this Plan on that date.  This Plan granted credit for service with Ponte Vedra for purposes of eligibility to participate and to receive Matching Contributions.

SUNTRUST BANKS, INC. 401(k) Plan

ADDENDUM B11
UNION PLANTERS NATIONAL BANK 

ARTICLE 1
Definitions

		
	B11-1.1
	Accounts.  Former Union Planters employees who became Participants were permitted to roll over account balances distributed from the Union Planters Plan, into a Rollover Account in this Plan.

		
	B11-1.20
	Effective Date means September 5, 1997, the date when the Company purchased certain bank branches located in Tennessee from Union Planters National Bank (Union Planters) and hired certain Union Planters employees (the Acquisition Date).  Those branches are located in Johnson City (two branches), Bristol (two branches), Kingsport, and Greenville, Tennessee.  

		
	B11-1.49
	Plan (Union Planters Plan) means the Union Planters Retirement Savings Plan, which was not part of the acquisition and was not merged into this Plan.

 
ARTICLE 2
Eligibility

		
	B11-2.1
	Eligibility.  Each Employee who worked for Union Planters Bank on the Acquisition Date, had met the eligibility requirements for the Union Planters Plan, and was an active Employee on that date, became eligible to participate in this Plan on that date.  This Plan granted credit for service with Union Planters Bank for purposes of eligibility to participate and to receive Matching Contributions.

SUNTRUST BANKS, INC. 401(k) Plan  
ADDENDUM B12
EQUITABLE SECURITIES CORPORATION

ARTICLE 1
Definitions

		
	B12-1.1
	Accounts.  The Equitable Plan was frozen as of December 31, 1999.  Equitable Plan Participants were covered by this Plan effective January 1, 2000.  This Plan subsequently accepted rollovers of frozen accounts from the Equitable Plan.

		
	B12-1.20
	Effective Date means January 1, 1998, the date when Equitable Securities Corporation (Equitable) became part of the Controlled Group (the Acquisition Date).  Equitable subsequently was renamed SunTrust Capital Markets, Inc.

		
	B12-1.49
	Plan (Equitable Plan) means the Equitable Securities Profit Sharing Plan, which was frozen as of December 31, 1999, and is sponsored by SunTrust Capital Markets, Inc.  The frozen plan was converted to a prototype plan effective January 1, 2009, and was renamed the SunTrust Equitable Securities Corporation Profit Sharing Plan.

ARTICLE 2
Eligibility

		
	B12-2.1
	Eligibility.  Each Employee who worked for Equitable on the Acquisition Date, had met the Equitable Plan eligibility requirements, and was an active Employee on that date, became eligible to participate in this Plan effective January 1, 2000, the day after the Equitable Plan was frozen.  This Plan granted credit for service with Equitable for purposes of eligibility to participate and to receive Matching Contributions.

SUNTRUST BANKS, INC. 401(k) Plan  
ADDENDUM B13
CITIZENS BANCORPORATION, MARIANA, FLORIDA

ARTICLE 1
Definitions

		
	B13-1.1
	Accounts.  The Citizens Plan was terminated as of December 31, 1998, and all account balances were distributed.  Former Citizens employees who became Participants were permitted to roll over those account balances into a Rollover Account in this Plan.

		
	B13-1.20
	Effective Date means October 31, 1998, the date when Citizens Bancorporation (Citizens),  a bank holding company based in Marianna, Florida, became part of the Controlled Group (the Company Merger Date).

 
		
	B13-1.49
	Plan (Citizens Plan) means the Citizens Bancorporation Profit Sharing Plan, which was terminated as of December 31, 1998, and from which all account balances were distributed.

 
ARTICLE 2
Eligibility

		
	B13-2.1
	Eligibility.  Each Employee who worked for Citizens on the Company Merger Date, had met the Citizens Plan eligibility requirements, and was an active Employee on January 1, 1999, became eligible to participate in this Plan on that date.  This Plan granted credit for service with Citizens for purposes of eligibility to participate and to receive Matching Contributions. 

SUNTRUST BANKS, INC. 401(k) Plan  
ADDENDUM B14
FIRST UNION CORPORATION (CERTAIN FLORIDA BRANCHES) 

ARTICLE 1
Definitions

		
	B14-1.1
	Accounts.  The following First Union Plan accounts were direct-transferred into the corollary Accounts under this Plan on July 1, 2000: matching contribution accounts (which were fully vested on March 1, 2000) were transferred into Employer Contribution Accounts; before-tax contribution accounts were transferred into Before-Tax Accounts; after-tax contribution accounts were transferred into After-Tax Accounts; and rollover contribution accounts were transferred into Rollover Accounts.  The First Union Plan offered annuity forms of payment and required Spousal consent for withdrawals and distributions.  This Plan retained that requirement.  This Plan issued 90-day notices that annuity forms will not be offered and Spousal consent is not required after March 31, 2002.  

		
	B14-1.20
	Effective Date means December 31, 1998, the date when the Company purchased certain bank branches located in Florida from First Union Corporation and hired certain First Union employees (the Acquisition Date).  Those branches are located at Lake Panasoffkee, Wildwood, Bushnell and Webster in Sumter County; Crystal River in Citrus County; Weeki Wachee and Spring Hill in Hernando County.  

		
	B14-1.49
	Plan (First Union Plan) means the First Union Corporation Savings Plan.  The  First Union Plan accounts of individuals who became SunTrust Employees on the Acquisition Date were frozen as of that date.

ARTICLE 2
Eligibility

		
	B14-2.1
	Eligibility.  Each Employee who worked for the acquired branches of First Union on the Acquisition Date, had met the First Union Plan eligibility requirements, and was an active Employee on January 1, 1999, became eligible to participate in this Plan on that date.  This Plan granted credit for service with First Union for purposes of eligibility to participate and to receive Matching Contributions.  

SUNTRUST BANKS, INC. 401(k) Plan  
ADDENDUM B15
CRESTAR FINANCIAL CORPORATION

ARTICLE 1
Definitions

		
	B15-1.1
	Accounts.  The Crestar Plan accounts that were merged into the corollary Employer Contribution Accounts under this Plan included: (a) matching contribution accounts and discretionary contribution accounts (which are available for investment elections without regard to age), and tax credit ESOP contributions (commonly called PAYSOP contributions), all of which were fully vested, were merged into Matching Accounts; (b).  Before-tax contribution accounts were merged into Before-Tax Accounts; (c) after-tax contribution accounts (made before 1988) were merged into After-Tax Accounts; and (d) rollover contribution accounts were merged into Rollover Accounts.

Money Purchase Accounts (which were merged into the Crestar Plan when Crestar acquired Providence Savings & Loan) are maintained separately, and are subject to in-service withdrawal restrictions and the Spousal consent requirements set forth in Subsection 6.7(b) of the main text of the Plan.  Spousal consent is required for loans and for post-Employment distribution in a form other than the normal form.  Spousal consent to a form of payment other than the normal form is not valid unless given within 90 days before the Benefit Commencement Date.  The normal form of payment for each Money Purchase Account is the single life annuity for the unmarried Participant, and the 50 percent joint and survivor annuity for the married Participant.  If a Participant dies with a Money Purchase Account balance, and before his/her Benefit Commencement Date, the Plan will pay the balance in that Account to his/her surviving Spouse in the form of a 50 percent qualified preretirement survivor annuity unless the Spouse elects another form.

		
	B15-1.20
	Effective Date means December 31, 1998, the date when Crestar Financial Corporation (Crestar) and its affiliates and subsidiaries became part of the Controlled Group (the Company Merger Date).  The Crestar Employees’ Thrift and Profit 

Sharing Plan and the Crestar Merger Plan for Transferred Employees (the Crestar Plans) became part of this Plan as of July 1, 1999 (the Plan Merger Date).

		
	B15-1.49
	Plan (Crestar Plan) means the Crestar Employees’ Thrift and Profit Sharing Plan, and/or the Crestar Merger Plan for Transferred Employees, as applicable, which were merged into this Plan as of the July 1, 1999 Plan Merger Date.

ARTICLE 2
Eligibility

		
	B15-2.1
	Eligibility.  Each Employee who worked for Crestar on the Company Merger Date, had met a Crestar Plan’s eligibility requirements, and was an active Employee on the Plan Merger Date, became eligible to participate in this Plan as of the Plan Merger Date.  Each Employee who began working for Crestar between January 1 and May 31, 1999 and who was an active Employee on the Plan Merger Date, became eligible to participate in this Plan as of August 1, 1999 and became eligible to receive Matching Contributions as of the first anniversary of his/her hire date.  This Plan granted credit for service with Crestar for purposes of eligibility to participate and to receive Matching Contributions.   

ARTICLE 3
Contributions

		
	B15-3.1
	Employee Contributions.  The contribution percentage that each affected Participant had in effect under the Crestar Employees’ Thrift and Profit Sharing Plan as of June 30, 1999, remained in effect on the July 1, 1999 Plan Merger Date.  However, the minimum contribution rate increased from 1 percent to 2 percent, with an automatic increase for each Participant who had a 1 percent rate in effect on that date.  After the Plan Merger, Employee Contributions are determined in accordance with the main text of the Plan.

		
	B15-3.2
	Employer Contributions.  Employer Matching Contributions allocated to affected Participants’ Crestar Plan Accounts before the July 1, 1999 Plan Merger Date, are fully vested and remain eligible for investment elections, regardless of age.

ARTICLE 5
In-Service Withdrawals and Loans

		
	B15-5.1
	Withdrawals Without a Hardship.  This Plan has grandfathered the option that was available under the Crestar Plan for affected Participants to elect to make in-service withdrawals from the pre-merger balances in their Accounts, excluding Employer Contributions that had been allocated within the 24-month period preceding the withdrawal, and excluding all balances in Before-Tax Accounts and Money Purchase Accounts.  The minimum withdrawal is $100.

SUNTRUST BANKS, INC. 401(k) Plan  
ADDENDUM B16
THE REGENCY GROUP

ARTICLE 1
Definitions

		
	B16-1.20
	Effective Date means April 30, 1999, the date when The Regency Group became part of the Controlled Group (the Company Merger Date).

ARTICLE 2
Eligibility

		
	B16-2.1
	Eligibility.  Each Employee who worked for Regency on the Company Merger Date, had met this Plan’s eligibility requirements, and was an active Employee on June 1, 1999, became eligible to participate in this Plan on that date.  This Plan granted credit for service with Regency for purposes of eligibility to participate and to receive Matching Contributions.

SUNTRUST BANKS, INC. 401(k) Plan  
ADDENDUM B17
ASSETS MANAGEMENT ADVISORS, INC.  (AMA)

ARTICLE 1
Definitions

		
	B17-1.1
	Accounts.  The AMA Plan was frozen as of March 27, 2001.  No AMA Plan accounts were transferred to this Plan, but upon distribution of benefits from the AMA Plan, Participants could request to have a rollover to this Plan.

		
	B17-1.20
	Effective Date means March 28, 2001, the date when Assets Management Advisors, Inc.  (AMA) became part of the Controlled Group (the Company Merger Date).

		
	B17-1.49
	Plan (AMA Plan) means the Assets Management Advisors Plan, which was frozen as of March 27, 2001.  The Company did not assume the Plan.

 
ARTICLE 2
Eligibility

		
	B17-2.1
	Eligibility.  Each Employee who worked for AMA on the Company Merger Date, had met this Plan’s eligibility requirements, and was an active Employee on June 1, 2001, became eligible to participate in this Plan on that date.  This Plan granted credit for service with AMA for purposes of eligibility to participate and to receive Matching Contributions.

    

SUNTRUST BANKS, INC. 401(k) Plan  
ADDENDUM B18
THE ROBINSON-HUMPHREY COMPANY, LLC

ARTICLE 1
Definitions

		
	B18-1.1
	Accounts.  The accounts of affected Employees under the Citigroup Plan were distributed when they became SunTrust Employees, and they were permitted to roll those distributions into Rollover Accounts in this Plan.

		
	B18-1.20
	Effective Date means July 26, 2001, the date when SunTrust purchased certain assets and properties relating to the institutional business of The Robinson-Humphrey Company, LLC (Robinson-Humphrey) (the Acquisition Date).  Robinson-Humphrey had been a Delaware limited liability company and a wholly-owned subsidiary of Solomon Smith Barney, Inc.

		
	B18-1.49
	Plan (Citigroup Plan) means the Citigroup 401(k) Plan, from which distributions were made to Robinson-Humphrey participants who became SunTrust Employees on the Acquisition Date.

 
ARTICLE 2
Eligibility

		
	B18-2.1
	Eligibility.  Each Employee who worked for Robinson Humphrey on the Acquisition Date, had met this Plan’s eligibility requirements, and was an active Employee on August 1, 2001, became eligible to participate in this Plan on that date.  This Plan granted credit for service with Robinson Humphrey for purposes of eligibility to participate and to receive Matching Contributions.

    

SUNTRUST BANKS, INC. 401(k) Plan  
ADDENDUM B19
HUNTINGTON BANCSHARES, THE HUNTINGTON NATIONAL BANK

ARTICLE 1
Definitions

		
	B19-1.20
	Effective Date means February 15, 2002, the date when the Florida Franchise of Huntington Bancshares and The Huntington National Bank (Huntington) became part of the Controlled Group (the Acquisition Date).

ARTICLE 2
Eligibility

		
	B19-2.1
	Eligibility.  Each Employee who worked for Huntington on the Acquisition Date, had met this Plan’s eligibility requirements, and was an active Employee on the Acquisition Date, became eligible to participate in this Plan on that date.  This Plan granted credit for service with Huntington for purposes of eligibility to participate and to receive Matching Contributions.

        

SUNTRUST BANKS, INC. 401(k) Plan  

ADDENDUM B20
EAGLE CAPITAL, LLC

ARTICLE 1
Definitions

		
	B20-1.20
	Effective Date means February 1, 2003, the date when certain employees of Eagle Capital, LLC (Eagle Capital) began working for AMA, a member of the Controlled Group (the 2003 AMA Hire Date).   

ARTICLE 2
Eligibility

		
	B20-2.1
	Eligibility.  Each Employee who had worked for Eagle Capital before the 2003 AMA Hire Date, had met this Plan’s eligibility requirements and was an active Employee on February 1, 2003, became eligible to participate in this Plan on that date.   This Plan granted credit for service with Eagle Capital for purposes of eligibility to participate and to receive Matching Contributions.   

        

SUNTRUST BANKS, INC. 401(k) Plan  

ADDENDUM B21
HOME FINANCIAL GROUP LLC

ARTICLE 1
Definitions

		
	B21-1.20
	Effective Date means June 1, 2003, the date when Home Financial became part of the Controlled Group (the Acquisition Date).   

ARTICLE 2
Eligibility

		
	B21-2.1
	Eligibility.  Each Employee who had worked for Home Financial before the  Acquisition Date, had met this Plan’s eligibility requirements and was an active Employee on July 1, 2003, became eligible to participate in this Plan on that date.   This Plan granted credit for service with Home Financial for purposes of eligibility to participate and to receive Matching Contributions.   

        

  SUNTRUST BANKS, INC. 401(k) Plan  

ADDENDUM B22
LIGHTHOUSE FINANCIAL CORPORATION 

ARTICLE 1
Definitions

		
	B22-1.1
	Accounts.  The defined contribution plan maintained by Lighthouse Financial Corporation (Lighthouse) was terminated before Lighthouse became a part of the Controlled Group.   On distribution of benefits from the Lighthouse Plan, Participants could request to have a rollover to this Plan.

		
	B22-1.20
	Effective Date means June 2, 2003, the date when Lighthouse became part of the Controlled Group (the Company Merger Date).   

		
	B22-1.49
	Plan (Lighthouse Plan) means the 401(k) Plan previously maintained by Lighthouse.  

 
ARTICLE 2
Eligibility

		
	B22-2.1
	Eligibility.  Each Employee who worked for Lighthouse on the Company Merger Date, had met this Plan’s eligibility requirements and was an active Employee on June 2, 2003, became eligible to participate in this Plan on that date.  This Plan granted credit for service with Lighthouse for purposes of eligibility to participate and to receive Matching Contributions.   

        

SUNTRUST BANKS, INC. 401(k) Plan  
ADDENDUM B23
SUN AMERICA MORTGAGE CORPORATION

ARTICLE 1
Definitions

		
	B23-1.1
	Accounts.  The defined contribution plan maintained by Sun America Mortgage Corporation (Sun America) was terminated before Sun America became a part of the Controlled Group.   On distribution of benefits from the Sun American Plan, participants could request to have a rollover to this Plan.   

		
	B23-1.20
	Effective Date means August 1, 2003, the date when Sun America became part of the Controlled Group (the Company Merger Date).   

		
	B23-1.49
	Plan (Sun America Plan) means the Sun America Mortgage Company 401(k) Profit Sharing Plan.  

 
ARTICLE 2
Eligibility

		
	B23-2.1
	Eligibility.  Each Employee who worked for Sun America on the Company Merger Date, had met this Plan’s eligibility requirements and was an active Employee on August 1, 2003, became eligible to participate in this Plan on that date.   This Plan granted credit for service with Sun America for purposes of eligibility to participate and to receive Matching Contributions.

        

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

ARTICLE 1
Definitions

		
	B24-1.20
	Effective Date means May 28, 2004, the date when Seix Investment Advisors, Inc.  became part of the Controlled Group (the Acquisition Date).

ARTICLE 2
Eligibility

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

        

SUNTRUST BANKS, INC. 401(k) Plan  
ADDENDUM B25
NATIONAL COMMERCE FINANCIAL CORPORATION 

On October 1, 2004, National Commerce Financial Corporation became part of the Controlled Group (the Company Merger Date).   The National Commerce Financial Corporation Investment Plan was frozen as of the close of business on December 31, 2004.   The following provisions relating to Articles 2 and 5 are effective October 1, 2004.  

ARTICLE 1
Definitions

		
	B25-1.1
	Accounts.  The NCF Plan was frozen as of the close of business on December 31, 2004.  The NCF Plan accounts that were merged into the corollary or similar Accounts under this Plan included the following.  Matching contribution accounts which were merged into Matching Accounts.  Profit sharing accounts (from entities previously acquired by NCF) were merged into the Merged Plan Account. ESOP accounts (from both the NCF Plan and from entities previously acquired by NCF) were merged into the Merged Plan Account.  Before-tax contribution accounts were merged into Before-Tax Accounts.  After-tax contribution accounts were merged into After-Tax Accounts.  Rollover contribution accounts were merged into Rollover Accounts.  

		
	B25-1.10
	Company Merger Date has the same definition as Effective Date.   

		
	B25-1.20
	Effective Date means October 1, 2004, the date when National Commerce Financial Corporation and its affiliates and subsidiaries became part of the Controlled Group (the Company Merger Date).   The NCF Plan was merged into and became part of this Plan as of the close of business on June 30, 2005 (the Plan Merger Date).

		
	B25-1.39
	Merged Plan means with respect to the NCF Plan, all of the following plans that were merged into the NCF Plan as of August 1, 2001:  CCB Financial Corporation 

        

Retirement Savings Plan, National Bank of Commerce ESOP\TIRA Plan, and the First Mercantile Profit Sharing Plan.

		
	B25-1.49
	Plan (NCF Plan) means the National Commerce Financial Corporation Investment Plan, which was merged into this Plan as of the June 30, 2005 Plan Merger Date.   

		
	B25-1.49A
	Plan Merger Date means the close of business on June 30, 2005, the date when the NCF Plan was merged into this Plan.

ARTICLE 2
Eligibility
		
	B25-2.1
	Eligibility.    

		
	(a)
	Past Service Credit.   Each Employee who worked for NCF on the Company Merger Date, had met this Plan’s eligibility requirements and was an active Employee on January 1, 2005, became eligible to participate in this Plan on that date.   On that date, this Plan granted credit for service with NCF and its controlled group members for purposes of eligibility to participate and to receive Matching Contributions.

		
	(b)
	   Sale of Transplatinum and and its Subsidiaries.  Transplatinum Service Corp.  and its wholly- owned subsidiaries, including Fleet One Holdings, LLC and LLR (collectively Transplatinum) previously were subsidiaries of NCF and became Controlled Group members on the Company Merger Date.  Effective September 2, 2008, Transplantium was sold to an unrelated entity and ceased its status as a Controlled Group member.   As of that date, Transplatinum ceased to be an Employer, and employees of Transplatinum on and after that date are not Employees for purpose of this Plan.

		
	(c)
	   Sale of The First Mercantile Trust Company.  The First Mercantile Trust Company (First Mercantile) was previously a wholly-owned subsidiary of NCF and became a Controlled Group Member on the Company Merger Date.  Effective May 30, 2008, First Mercantile was sold to an unrelated entity and 

        

ceased to be a Controlled Group member.  As of that date, First Mercantile ceased to be an Employer, and employees of First Mercantile on and after that date are not Employees for purposes of this Plan.    

ARTICLE 3
Contributions

		
	B25-3.2
	Employer Matching Contributions.   Forfeitures under the NCF Plan that were not allocated as of the close of business on June 30, 2005, were used to reduce Employer Matching Contributions (or to restore forfeitures as provided in Article 6 of this Addendum B25) and not to increase benefits.   

ARTICLE 4
Allocations

		
	B25-4.2
	Investment Elections.

		
	(a)
	Investment Funds.  The NCFC Stock Fund, the NCFC ESOP Stock Fund, and the NCFC Merged Stock Fund were merged into the Employer Stock Fund effective as of the Plan Merger Date or as soon thereafter as practicable.   

...
		
	(g)
	Diversification Elections.   The diversification rules in the NCF Plan Section 5.3 do not apply to Accounts transferred to this Plan.   Instead, Article 4 of the main text of the Plan applies to all ESOP Accounts.   

ARTICLE 5
In-Service Withdrawals and Loans

		
	B25-5.1(f)
	Withdrawals Without a Hardship.  This Plan has grandfathered the option that was available under the NCF Plan for affected Participants to elect to make in-service withdrawals from the pre-merger balances in their Accounts, excluding Employer Contributions that had been allocated within the 24-month period preceding the 

        

withdrawal, and excluding all balances in Before-Tax Accounts. The minimum withdrawal is $500.

B25-5.3    Loans.
		
	(a)
	Application and Eligibility.   Before the Plan Merger Date, to ensure that loans from this Plan and loans from the NCF Plan met the applicable limits, loans were not be available from this Plan to any Participant who was also a Participant in the NCF Plan.   

ARTICLE 6
Post-Employment Distributions 

		
	B25-6.1
	Distribution Events.  A Participant who previously participated in the NCF Plan and was not fully vested in his/her NCF Plan Accounts, forfeited the non-vested portion upon the earlier of the date he/she incurred a Five-Year Break, or the date he/she received a distribution of the vested portion of his/her Account.  If a partially-vested Participant resumed Employment before a Five-Year Break, the Plan permitted him/her to repay his/her distribution no later than the fifth anniversary of the date he/she resumed Employment, and reinstated the dollar amount he/she forfeited to his/her Account.   A non-vested Participant who terminated Employment was deemed to have received a distribution and his/her entire Account was immediately forfeited, and was deemed repaid if he/she resumed Employment before a Five-Year Break.

        

SUNTRUST BANKS, INC. 401(k) Plan  
ADDENDUM B26
 ZEVENBERGEN CAPITAL, INC.

ARTICLE 1
Definitions

		
	B26-1.20
	Effective Date means January 1, 2005, the date when Zevenbergen Capital, Inc.  (ZCI) became part of the Controlled Group (the Acquisition Date).

ARTICLE 2
Eligibility

		
	B26-2.1
	Eligibility.  

		
	(a)
	Past Service Credit.  Each Employee who worked for ZCI before the Acquisition Date and was an active Employee on the Acquisition Date, became eligible to participate in this Plan on January 1, 2005.   This Plan granted credit for service with ZCI for purposes of eligibility to participate and to receive Matching Contributions.   

		
	(b)
	Loss of Eligible Status.  Pursuant to certain transactions occurring on September 30 and October 1, 2008, ZCI ceased its status as a Controlled Group Member effective October 1, 2008.  As of that date, ZCI is no longer an Employer and individuals who work for ZCI on and after October 1, 2008 are not Employees and are not eligible to participate in this Plan.

        

SUNTRUST BANKS, INC. 401(k) Plan  
ADDENDUM B27

COMMUNITY BANK OF FLORIDA

		
	B27-1.20
	Effective Date means March 17, 2006, the date when Community Bank of Florida became part of the Controlled Group (the Acquisition Date).

ARTICLE 2
Eligibility

		
	B27-2.2
	Eligibility.   Each Employee who worked for Community Bank of Florida on the Acquisition Date and was an active Employee on the Acquisition Date, became eligible to participate in this Plan on March 17, 2006.   This Plan granted credit for service with Community Bank of Florida for purposes of eligibility to participate and to receive Matching Contributions.

        

SUNTRUST BANKS, INC. 401(k) Plan  
ADDENDUM B28

INLIGN WEALTH MANAGEMENT, LLC

		
	B28-1.20
	Effective Date means December 31, 2007, the date when Inlign Wealth Management, LLC (Inlign) became part of the Controlled Group (the Acquisition Date).

ARTICLE 2
Eligibility

		
	B28-2.2
	Eligibility.   Each Employee who worked for Inlign on the Acquisition Date and was an active Employee on the Acquisition Date, became eligible to participate in this Plan on March 1, 2008.   This Plan granted credit for service with Inlign for purposes of eligibility to participate and to receive Matching Contributions.

        

SUNTRUST BANKS, INC. 401(k) Plan  
ADDENDUM B29
SALEM MORTGAGE

		
	B29-1-18
	Effective Date means the date occurring between January 31, 2008 and February 29, 2008 when former employees of Salem Mortgage were hired by a Controlled Group Member (the relevant date for each such employee to be his/her Hiring Date).

ARTICLE 2
ELIGIBILITY

		
	B29-2.2
	Eligibility.   Each Employee who worked for Salem Mortgage immediately before the Hiring Date and became an active Employee on the Hiring Date, became eligible to participate in this Plan on March 1, 2008.   Effective February 29, 2008, this Plan granted credit for service with Salem Mortgage for purposes of eligibility to participate and to receive Matching Contributions.

        

SUNTRUST BANKS, INC. 401(k) Plan  

ADDENDUM B30
GB&T BANCHARES, INC.

		
	B30-1.20
	Effective Date means May 1, 2008, the date when GB&T Banchares, Inc.  (GB&T) became part of the Controlled Group (the Company Merger Date).

		
	B30-1.49
	Plan (GB&T Plan) means the GB&T Bancshares 401(k) Profit SharingPlan, which was terminated immediately before 12:01 a.m. on May 1, 2008, the effective date and time of the merger.  The Company did not assume the GB&T Plan.

ARTICLE 2
ELIGIBILITY

		
	B30-2.2
	Eligibility.   Each Employee who worked for GB&T before the Company Merger Date and was an active Employee on the Merger Date, became eligible to participate in this Plan on the Merger Date.   This Plan granted credit for service with GB&T for purposes of eligibility to participate and to receive Matching Contributions.

        

SUNTRUST BANKS, INC. 401(k) Plan  
ADDENDUM B31
CYMRIC FAMILY OFFICE SERVICES

ARTICLE 1
Definitions

		
	B31-1.20
	Effective Date means December 31, 2008, the date when the Cymric Family Office Services (Cymric) became part of the Controlled Group (the Acquisition Date) pursuant to the Asset Purchase Agreement By and Among GenSpring Family Offices, LLC, Cymric and the Shareholders of Cymric.

		
	B31-1.48
	Participant  (Cymric Participant) means, for purposes of this Addendum B31, each Participant who was employed by Cymric on the Acquisition Date and became an employee of GenSpring on January 1, 2009.

ARTICLE 2
Eligibility

		
	B31-2.1
	Eligibility.   For purposes of determining eligibility to begin participating under Section 2.1 of the main text of the Plan, the Plan treated each Cymric Participant as if his/her Employment Date was the date when he/she became an employee of GenSpring.

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