Document:

Exhibit 4.14

 EXHIBIT 4.14 
  
 ASSIGNMENT AND ASSUMPTION AGREEMENT 
  
 THIS ASSIGNMENT AND ASSUMPTION AGREEMENT (this “Assignment”) is made as of this 22nd day of September, 2004, between NATIONAL COMMERCE FINANCIAL CORPORATION, a Tennessee corporation (“NCF”), and
SUNTRUST BANKS, INC., a Georgia corporation (“SunTrust”). 
  
 W I T N E S S E T H 
  
 WHEREAS, NCF and The Bank of New York, a New York banking corporation, as trustee are parties to an Indenture dated as of March 27, 1997, as
supplemented by First Supplemental Indenture, dated March 27, 1997, pursuant to which NCF has issued $51,547,000 principal amount of the Floating Rate Junior Subordinated Deferrable Interest Debentures due 2027 to evidence a loan made to NCF of the
proceeds from the issuance of Floating Rate Capital Trust Pass-through Securities(SM) (the “Capital
Securities”) of the National Commerce Capital Trust I, a Delaware statutory business trust (the “Trust”), and of common securities of the Trust (the “Common Securities); 
  
 WHEREAS, NCF has guaranteed the distributions and payments of amounts
due under the Common Securities and the Capital Securities to the extent set forth in the Common Securities Guarantee Agreement dated as of March 27, 1997 (the “Common Guarantee Agreement”), between NCF and The Bank of New York, as
Guarantee Trustee and the Capital Securities Guarantee Agreement dated as of March 27, 1997, between NCF and The Bank of New York, as Guarantee Trustee (the “Capital Guarantee Agreement”, together with the Common Guarantee
Agreement, the “Guarantee Agreements”); 
  
 WHEREAS, pursuant to the Agreement and Plan of Merger, dated May 7, 2004, by and between SunTrust and NCF (the “Merger Agreement”), NCF will merge with and into SunTrust (the “Merger”) and SunTrust
will be the surviving entity; 
  
 WHEREAS, Section 5.1 of
the Common Guarantee Agreement and Section 9.1 of the Capital Guarantee Agreement allow NCF to assign all of its right, title and interest in and to the Guarantee Agreements; 
  
 WHEREAS, NCF desires to assign, transfer and deliver to SunTrust, all right, title and interest to the Guarantee
Agreements, and SunTrust desires to assume all of NCF’s liabilities and obligations under and pursuant to the Guarantee Agreements; and 
  
 WHEREAS, in connection with the Merger, at the effective time of the Merger, SunTrust will assume all of NCF’s obligations in connection with
the Guarantee Agreements. 

 NOW, THEREFORE, in consideration of the foregoing and for other good and valuable consideration,
the receipt of which is hereby acknowledged, NCF and SunTrust mutually covenant and agree as follows: 
  
 ARTICLE 1 
 ASSIGNMENT AND ASSUMPTION OF OBLIGATIONS 
  
 Section 1.01 Assignment. Effective as of the Effective Time (as
defined in the Merger Agreement) of the Merger, NCF does hereby assign, transfer and deliver to SunTrust all right, title and interest in the Guarantee Agreements. 
  
 Section 1.02 Assumption. Effective as of the Effective Time (as defined in the Merger Agreement) of the Merger,
SunTrust, as the successor to NCF under the terms of the Merger Agreement, hereby expressly agrees to perform NCF’s obligations under the Guarantee Agreements. 
  
 ARTICLE 2 
 MISCELLANEOUS 
  
 Section 2.01 Definitions.
Capitalized terms used in this Assignment and not otherwise defined herein shall have the respective meanings set forth in the Guarantee Agreements. 
  
 Section 2.02 Counterparts. The parties may sign any number of copies of this Assignment. Each signed copy shall be an original, but all of them
together represent the same agreement. 
  
 Section 2.03
Headings. The Section headings are for convenience only and shall not affect the construction hereof. 
  
 Section 2.04 Effectiveness. This Assignment shall become effective and operative immediately, without any further action required by the parties
hereto upon consummation of the Merger notwithstanding the earlier dated execution and delivery of this Assignment; provided that, if such Merger does not occur on or before October 31, 2004, this Assignment shall terminate and be void and of no
effect. 
  
 Section 2.05 GOVERNING LAW. THIS ASSIGNMENT
SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK. 
  

 2 

 IN WITNESS WHEREOF, the undersigned have caused this Assignment to be executed as of the date first above
written. 
  

			
	NATIONAL COMMERCE FINANCIAL CORPORATION
		
	By:	 	 /s/ William R. Reed, Jr.

	Name:	 	William R. Reed, Jr.
	Title:	 	President and Chief Financial Officer
	
	SUNTRUST BANKS, INC.
		
	By:	 	 /s/ Raymond D. Fortin

	Name:	 	Raymond D. Fortin
	Title:	 	Senior Vice President and General Counsel

  
 Acknowledged as of this

 22nd day of September,
2004: 
  

					
	THE BANK OF NEW YORK
			
	By:	 	 /s/ Ming Ryan

	 	, as Guarantee Trustee
	Name:	 	Ming Ryan	 	 
	Title:	 	Vice President	 	 

  
 [ASSIGNMENT AND
ASSUMPTION AGREEMENT - 
 GUARANTEE AGREEMENT, DATED MARCH 27, 1997] 
  

 3Exhibit 4.15

 EXHIBIT 4.15 
  
 ASSIGNMENT AND ASSUMPTION AGREEMENT 
  
 THIS ASSIGNMENT AND ASSUMPTION AGREEMENT (this “Assignment”) is made as of this 22nd day of September, 2004, between NATIONAL COMMERCE FINANCIAL CORPORATION, a Tennessee corporation (“NCF”), and
SUNTRUST BANKS, INC., a Georgia corporation (“SunTrust”). 
  
 W I T N E S S E T H 
  
 WHEREAS, NCF and The Bank of New York, a New York banking corporation, as trustee are parties to an Indenture dated as of March 27, 1997, as
supplemented by First Supplemental Indenture, dated March 27, 1997, pursuant to which NCF has issued $51,547,000 principal amount of the Floating Rate Junior Subordinated Deferrable Interest Debentures due 2027 to evidence a loan made to NCF of the
proceeds from the issuance of Floating Rate Capital Trust Pass-through Securities(SM) (the “Capital
Securities”) of the National Commerce Capital Trust I, a Delaware statutory business trust (the “Trust”), combined with the proceeds from the sale by the Trust to NCF of its common securities (the “Common
Securities”) and the proceeds from the sale of $3,000,000 of Capital Securities by NCF through NBC Capital Markets Group, Inc.; 
  
 WHEREAS, the Capital Securities and the Common Securities for the Trust were issued pursuant to the Amended and Restated Declaration of Trust dated
as of March 27, 1997 (the “Trust Agreement”), among NCF, the administrators named therein, The Bank of New York, as Property Trustee, The Bank of New York (Delaware), as Delaware Trustee, and the holders; 
  
 WHEREAS, pursuant to the Agreement and Plan of Merger, dated May 7,
2004, by and between SunTrust and NCF (the “Merger Agreement”), NCF will merge with and into SunTrust (the “Merger”) and SunTrust will be the surviving entity; 
  
 WHEREAS, Section 14.6 of the Trust Agreement allows NCF to assign all
of its right, title and interest in and to the Trust Agreement; 
  
 WHEREAS, NCF desires to assign, transfer and deliver to SunTrust, all right, title and interest to the Trust Agreement, and SunTrust desires to assume all of NCF’s liabilities and obligations under and pursuant to the Trust
Agreement; and 
  
 WHEREAS, in connection with the Merger,
at the effective time of the Merger, SunTrust will assume all of NCF’s obligations in connection with the Trust Agreement. 

 NOW, THEREFORE, in consideration of the foregoing and for other good and valuable consideration,
the receipt of which is hereby acknowledged, NCF and SunTrust mutually covenant and agree as follows: 
  
 ARTICLE 1 
 ASSIGNMENT AND ASSUMPTION OF OBLIGATIONS 
  
 Section 1.01 Assignment. Effective as of the Effective Time (as
defined in the Merger Agreement) of the Merger, NCF does hereby assign, transfer and deliver to SunTrust all right, title and interest in the Trust Agreement. 
  

Section 1.02 Assumption. Effective as of the Effective Time (as defined in the Merger Agreement) of the Merger, SunTrust, as the successor to
NCF under the terms of the Merger Agreement, hereby expressly agrees to perform NCF’s obligations under the Trust Agreement. 
  
 ARTICLE 2 
 MISCELLANEOUS

  
 Section 2.01 Definitions. Capitalized terms used in
this Assignment and not otherwise defined herein shall have the respective meanings set forth in the Trust Agreement. 
  
 Section 2.02 Counterparts. The parties may sign any number of copies of this Assignment. Each signed copy shall be an original, but all of them
together represent the same agreement. 
  
 Section 2.03
Headings. The Section headings are for convenience only and shall not affect the construction hereof. 
  
 Section 2.04 Effectiveness. This Assignment shall become effective and operative immediately, without any further action required by the parties
hereto upon consummation of the Merger notwithstanding the earlier dated execution and delivery of this Assignment; provided that, if such Merger does not occur on or before October 31, 2004, this Assignment shall terminate and be void and of no
effect. 
  
 Section 2.05 GOVERNING LAW. THIS ASSIGNMENT
SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK. 

 IN WITNESS WHEREOF, the undersigned have caused this Assignment to be executed as of the date first above
written. 
  

			
	NATIONAL COMMERCE FINANCIAL CORPORATION
		
	By:	 	 /s/ William R. Reed, Jr.

	Name:	 	William R. Reed, Jr.
	Title:	 	President and Chief Financial Officer
	
	SUNTRUST BANKS, INC.
		
	By:	 	 /s/ Raymond D. Fortin

	Name:	 	Raymond D. Fortin
	Title:	 	Senior Vice President and General Counsel

  
 Acknowledged as of this

 22nd day of September,
2004: 
  

					
	THE BANK OF NEW YORK
			
	By:	 	 /s/ Ming Ryan

	 	, as Property Trustee
	Name:	 	Ming Ryan	 	 
	Title:	 	Vice President	 	 

  
 [ASSIGNMENT AND
ASSUMPTION AGREEMENT - 
 TRUST AGREEMENT, DATED MARCH 27, 1997]Exhibit 4.16

 EXHIBIT 4.16 
  
 FIRST SUPPLEMENTAL INDENTURE 
  

FIRST SUPPLEMENTAL INDENTURE (this “First Supplemental Indenture”) dated September 22, 2004, by and among NATIONAL COMMERCE FINANCIAL
CORPORATION, a Tennessee corporation (the “Company”), SUNTRUST BANKS, INC., a Georgia corporation (“SunTrust”) and THE BANK OF NEW YORK, a New York banking corporation, as trustee (hereinafter called the
“Trustee”). 
  
 W I T
N E S S E T H 
  
 WHEREAS, the Company and the Trustee are parties to a Junior Subordinated Indenture, dated as of December 14, 2001 (the “Indenture”), pursuant to which the Company has issued $206,185,575 in aggregate
principal amount of 7.70% junior subordinated deferrable interest debentures due 2031 (the “Subordinated Debentures”), in order to evidence a loan made to the Company of the proceeds from the issuance by National Commerce Capital
Trust II, a Delaware statutory business trust (the “Trust”), of an aggregate of 8,000,000 of 7.70% trust preferred securities (the “Preferred Securities”), representing preferred undivided beneficial interests in
the assets of the Trust; 
  
 WHEREAS, Section 9.01 of the
Indenture provides that, without the consent of any Holders (as defined in the Indenture), the Company and the Trustee may supplement the Indenture to evidence the succession of another corporation to the Company and the assumption by the successor
corporation of the covenants of the Company contained in the Indenture and in the Subordinated Debentures; 
  
 WHEREAS, pursuant to the Agreement and Plan of Merger, dated May 7, 2004, by and between SunTrust and the Company (the “Merger
Agreement”), the Company will merge with and into SunTrust (the “Merger”) and SunTrust will be the surviving entity; 
  
 WHEREAS, in connection with the Merger, at the effective time of the Merger, SunTrust will assume all of the Company’s obligations in
connection with the Subordinated Debentures and the Indenture; 
  
 WHEREAS, the Company is delivering to the Trustee an Officers’ Certificate and an Opinion of Counsel meeting the requirements of Sections 8.01 and 9.03 of the Indenture; 
  
 WHEREAS, pursuant to Section 9.01 of the Indenture, the Trustee is
authorized to execute and deliver this First Supplemental Indenture; and 
  
 WHEREAS, all things necessary to make this First Supplemental Indenture a valid agreement, in accordance with the terms of the Indenture, have been done. 

 NOW, THEREFORE, in consideration of the foregoing and for other good and valuable consideration,
the receipt of which is hereby acknowledged, the Company, SunTrust and the Trustee mutually covenant and agree as follows: 
  
 ARTICLE 1 
 ASSUMPTION OF OBLIGATIONS

  
 Effective as of the Effective Time (as defined in the
Merger Agreement) of the Merger, pursuant to Section 8.01 of the Indenture, SunTrust, as the successor to the Company under the terms of the Merger Agreement, hereby expressly assumes the due and punctual payment of the principal of (and premium, if
any) and interest (including any Additional Interest) on all of the Securities and the performance of every covenant of the Indenture on the part of the Company to be performed or observed. 
  
 ARTICLE 2 
 MISCELLANEOUS 
  
 Section 2.01 Instruments To Be Read Together; Confirmation. This First Supplemental Indenture is an indenture supplemental to the Indenture, and the Indenture and this First Supplemental Indenture shall be read
together. The Indenture as supplemented by this First Supplemental Indenture is in all respects confirmed and preserved. 
  
 Section 2.02 Definitions. Capitalized terms used in this First Supplemental Indenture and not otherwise defined herein shall have the respective
meanings set forth in the Indenture. 
  
 Section 2.03
Counterparts. The parties may sign any number of copies of this First Supplemental Indenture. Each signed copy shall be an original, but all of them together represent the same agreement. 
  
 Section 2.04 Headings. The Section headings are for convenience only
and shall not affect the construction hereof. 
  
 Section 2.05
Effectiveness. This First Supplemental Indenture shall become effective and operative immediately, without any further action required by the parties hereto, with the effect that the Indenture shall be, for all purposes, supplemented by this
First Supplemental Indenture upon consummation of the Merger notwithstanding the earlier dated execution and delivery of this First Supplemental Indenture; provided that, if such Merger does not occur on or before October 31, 2004, this First
Supplemental Indenture shall terminate and be void and of no effect. 
  
 Section 2.06 The Trustee. The Trustee shall not be responsible in any manner whatsoever for, or in respect of, the validity or sufficiency of this First Supplemental Indenture or for, or in respect of, the recitals contained herein,
all of which recitals are made solely by the Company. 
  
 Section
2.07 GOVERNING LAW. THIS FIRST SUPPLEMENTAL INDENTURE SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK. 
  

 2 

 IN WITNESS WHEREOF, the parties hereto have caused this First Supplemental Indenture to be duly executed,
all as of the date first written above. 
  

			
	NATIONAL COMMERCE FINANCIAL CORPORATION
		
	By:	 	 /s/ William R. Reed, Jr.

	Name:	 	William R. Reed, Jr.
	Title:	 	President and Chief Executive Officer
	
	SUNTRUST BANKS, INC.
		
	By:	 	 /s/ Raymond D. Fortin

	Name:	 	Raymond D. Fortin
	Title:	 	Senior Vice President and General Counsel
	
	THE BANK OF NEW YORK, as Trustee
		
	By:	 	 /s/ Ming Ryan

	Name:	 	Ming Ryan
	Title:	 	Vice President

  

 3

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