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{\info{\subject EDGAR Online Pro}{\version3}{\*\company EDGAR Online, Inc.}{\author EDGAR Online HTML to RTF Converter. Version 3.0}{\*\category \0000950136-06-004566.ecq}{\doccomm Source: EDGAR Online, Inc. \'a9 Copyright 2006. All rights reserved.}{\title SUNTRUST BANKS INC (Form: 8-K, Received: 06/06/2006 10:12:31)}}
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\pard \cb1\cbpat1\qc \ri2396\sb240 {\fs24\b UNITED STATES\line SECURITIES AND EXCHANGE COMMISSION\line Washington, D.C. 20549}\par
\pard \cb1\cbpat1\qc \ri2396\sb240 {\fs36\b FORM 8-K}\par
\pard \cb1\cbpat1\qc \ri2396\sb240 {\fs24\b CURRENT REPORT}\par
\pard \cb1\cbpat1\qc \ri2396\sb240 {\fs24\b Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934}\par
\pard \cb1\cbpat1 \ri2396\sb480 {\fs20 Date of Report (Date of earliest event reported) {\ul June 6, 2006}}\par
\pard \sb120 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\par
{\pard\sl-375\par}
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{\trowd\trleft0\clbrdrb\brdrs\brdrw15\brdrcf0\clcbpat1\cellx9030 \pard \intbl\qc \ri176 {\fs18 {\b\nosupersub {\fs36 SunTrust Banks, Inc.}}}\cell \row}
{\trowd\trleft0\clbrdrb\brdrs\brdrw15\brdrcf1\clcbpat1\cellx9030 \pard \intbl\qc \ri176 {\fs18 {\b\nosupersub {\fs16 (Exact name of registrant as specified in its charter)}}}\cell \row}
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{\trowd\trleft0\clbrdrb\brdrs\brdrw15\brdrcf1\clcbpat1\cellx3158 \clbrdrb\brdrs\brdrw15\brdrcf1\clvertalc\clcbpat1\cellx3178 \clbrdrb\brdrs\brdrw15\brdrcf1\clvertalc\clcbpat1\cellx3198 \clbrdrb\brdrs\brdrw15\brdrcf1\clcbpat1\cellx5622 \clbrdrb\brdrs\brdrw15\brdrcf1\clvertalc\clcbpat1\cellx5642 \clbrdrb\brdrs\brdrw15\brdrcf1\clvertalc\clcbpat1\cellx5662 \clbrdrb\brdrs\brdrw15\brdrcf1\clcbpat1\cellx8031 \clcbpat1\cellx9030 \pard \intbl\qc \ri16 {\fs16 {\b\nosupersub (State or other jurisdiction\line of incorporation)}}\cell \pard \intbl\vertalc {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl\vertalc {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl\qc \ri16 {\fs16 {\b\nosupersub (Commission\line File Number)}}\cell \pard \intbl\vertalc {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl\vertalc {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl\qc \ri16 {\fs16 {\b\nosupersub (IRS Employer\line Identification No.)}}\cell \pard\intbl\cell \row}
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\pard \cb1\cbpat1 \ri2396\sb360 {\fs20\b {\b0 Registrant's telephone number, including area code} \u8201? {\ul (404) 588-7711}}\par
\pard \sb120 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\par
{\pard\sl-195\par}
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{\trowd\trleft0\clbrdrb\brdrs\brdrw15\brdrcf0\clcbpat1\cellx9030 \pard \intbl\qc \ri16 {\fs18 {\b\nosupersub Not Applicable}}\cell \row}
{\trowd\trleft0\clbrdrb\brdrs\brdrw15\brdrcf1\clcbpat1\cellx9030 \pard \intbl\qc \ri16 {\fs16 {\b\nosupersub (Former name or former address, if changed since last report)}}\cell \row}
{\trowd\trleft0\clvertalc\clcbpat1\cellx9030 \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \row}
\pard \cb1\cbpat1 \ri2396\sb120 {\fs20 Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):}{\*\bkmkstart FIS_UNIDENTIFIED_TABLE}{\*\bkmkend FIS_UNIDENTIFIED_TABLE}\par
{\trowd\trleft0\clvertalc\cellx415 \clvertalc\cellx9030 \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \row}
{\trowd\trleft0\cellx415 \cellx9030 \pard \intbl \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_EBOX.GIF"\\* MERGEFORMAT \\d }}} \u160?}\cell \pard \intbl \ri16 {\fs20 Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)}\cell \row}
{\trowd\trleft0\clvertalc\cellx416 \clvertalc\cellx9030 \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \row}
{\trowd\trleft0\cellx416 \cellx9030 \pard \intbl \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_EBOX.GIF"\\* MERGEFORMAT \\d }}} \u160?}\cell \pard \intbl \ri16 {\fs20 Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)}\cell \row}
{\trowd\trleft0\clvertalc\cellx415 \clvertalc\cellx9030 \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \row}
{\trowd\trleft0\cellx415 \cellx9030 \pard \intbl \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_EBOX.GIF"\\* MERGEFORMAT \\d }}} \u160?}\cell \pard \intbl \ri16 {\fs20 Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))}\cell \row}
{\trowd\trleft0\clvertalc\cellx415 \clvertalc\cellx9030 \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \row}
{\trowd\trleft0\cellx415 \cellx9030 \pard \intbl \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_EBOX.GIF"\\* MERGEFORMAT \\d }}} \u160?}\cell \pard \intbl \ri16 {\fs20 Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))}\cell \row}
\pard {\fs20 }\par
\pard \li58\ri58\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-15\qc \par
\pard \sb185 {\fs20 {\*\bkmkstart FILE1_HTM_PAGE}{\*\bkmkend FILE1_HTM_PAGE}\line {\*\bkmkstart FIS_DISCLOSURE}{\*\bkmkend FIS_DISCLOSURE}}\par
\pard \cb1\cbpat1 \ri2396\sb240 {\fs20\b Item 7.01\u160?\u160?\u160?\u160?Regulation FD Disclosure.}\par
\pard \ri2396\sb120 \cb1\cbpat1\sl-1\fi400 \par
\pard \cb1\cbpat1\fi400 \ri2396\sb120 {\fs20 Representatives of SunTrust Banks, Inc. (the \u8216?\u8216?Registrant\u8217?\u8217?) including senior management are scheduled to make a presentation to members of the professional investment community at the Pierre Hotel in New York City on Tuesday, June 6, 2006, beginning at approximately 8:00 a.m. Eastern Time. The general public, media representatives and other interested parties are invited to participate via a live web cast which will be hosted under the \u8216?\u8216?Investor Relations\u8217?\u8217? section of SunTrust's web site, suntrust.com. A link to the Investor Relations page is found in the footer of the SunTrust home page or it may also be found under the \u8216?\u8216?About SunTrust\u8217?\u8217? section of the Web site. A copy of the presentation materials to be used by the Registrant at this conference is being furnished as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated by reference into Item 7.01 of this Current Report on Form 8-K. Such presentation materials will also be available on the Registrant's web site at www.suntrust.com. Beginning the evening of June 6, 2006, listeners may access an archived version of the webcast in the \u8216?\u8216?Webcasts and Presentations\u8217?\u8217? subsection found under \u8216?\u8216?Investor Relations.\u8217?\u8217? Information contained on the Registrant's website is expressly not incorporated by reference into this Current Report on Form 8-K.}\par
\pard \cb1\cbpat1\fi400 \ri2396\sb120 {\fs20 The information in the preceding paragraph, as well as Exhibit 99.1, shall not be deemed \u8216?\u8216?filed\u8217?\u8217? for purposes of Section 18 of the Securities Exchange Act of 1934 (the \u8216?\u8216?Exchange Act\u8217?\u8217?), or otherwise subject to the liabilities of that section. It may only be incorporated by reference in another filing under the Exchange Act or Securities Act of 1933 if such subsequent filing specifically references this Current Report on Form 8-K. All information in the presentation materials speaks as of the date thereof and the Registrant does not assume any obligation to update said information in the future. In addition, the Registrant disclaims any inference regarding the materiality of such information which otherwise may arise as a result of its furnishing such information under Item 7.01 of this report on Form 8-K.}{\*\bkmkstart FIS_FINANCIAL_STATEMENTS_AND_EXHIBITS}{\*\bkmkend FIS_FINANCIAL_STATEMENTS_AND_EXHIBITS}\par
\pard \cb1\cbpat1 \ri2396\sb240 {\fs20\b Item 9.01\u160?\u160?\u160?\u160?Financial Statements and Exhibits.}\par
\pard \cb1\cbpat1 \ri2396\sb120 {\fs20 (d)\u160?\u160?\u160?\u160?Exhibits}{\*\bkmkstart FIS_UNIDENTIFIED_TABLE_2}{\*\bkmkend FIS_UNIDENTIFIED_TABLE_2}\par
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{\trowd\trleft0\cellx736 \cellx9030 \pard \intbl \ri16 {\fs20 99.1 \u160?}\cell \pard \intbl \ri16 {\fs20 Presentation materials to be presented on June 6, 2006 (furnished with the Commission as a part of this Current Report on Form 8-K).}\cell \row}
\pard {\fs20 }\par
\pard \li58\ri58\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-15\qc \par
\pard \sb185 {\fs20 {\*\bkmkstart FILE1_HTM_PAGE}{\*\bkmkend FILE1_HTM_PAGE}\line {\*\bkmkstart FIS_SIGNATURES}{\*\bkmkend FIS_SIGNATURES}}\par
\pard \cb1\cbpat1\qc \ri2396\sb240 {\fs20\b SIGNATURE}\par
\pard \cb1\cbpat1\fi400 \ri2396\sb120 {\fs20 Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.}\par
\pard \sb120 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\par
{\pard\sl-375\par}
{\trowd\trleft0\clvertalc\clcbpat1\cellx3334 \clvertalc\clcbpat1\cellx3354 \clvertalc\clcbpat1\cellx3374 \clvertalc\clcbpat1\cellx4164 \clvertalc\clcbpat1\cellx4506 \clvertalc\clcbpat1\cellx4848 \clvertalc\clcbpat1\cellx7813 \clvertalc\clcbpat1\cellx8155 \clvertalc\clcbpat1\cellx8497 \clvertalc\clcbpat1\cellx8842 \clcbpat1\cellx9030 \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl\vertalc {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl\vertalc {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard\intbl\cell \row}
{\trowd\trleft0\clbrdrb\brdrs\brdrw15\brdrcf1\clcbpat1\cellx3334 \clbrdrb\brdrs\brdrw15\brdrcf1\clvertalc\clcbpat1\cellx3354 \clbrdrb\brdrs\brdrw15\brdrcf1\clvertalc\clcbpat1\cellx3374 \clbrdrb\brdrs\brdrw15\brdrcf1\clcbpat1\cellx8497 \clbrdrb\brdrs\brdrw15\brdrcf1\clvertalc\clcbpat1\cellx8842 \clbrdrb\brdrs\brdrw15\brdrcf1\clvertalc\clcbpat1\cellx8862 \clbrdrb\brdrs\brdrw15\brdrcf1\clcbpat1\cellx9030 \pard \intbl \ri16 {\fs18 {\nosupersub \u160?}}\cell \pard \intbl\vertalc {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl\vertalc {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl \ri116 {\fs18 {\nosupersub SUNTRUST BANKS, INC.\line \u160?\u160?\u160?\u160?\u160?\u160?\u160?\u160?\u160?\u160?\u160?\u160?\u160?\u160?\u160?(Registrant)}}\cell \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl\vertalc {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl \ri16 {\fs18 {\nosupersub \u160?}}\cell \row}
{\trowd\trleft0\clbrdrb\brdrs\brdrw15\brdrcf1\clcbpat1\cellx3334 \clbrdrb\brdrs\brdrw15\brdrcf1\clvertalc\clcbpat1\cellx3354 \clbrdrb\brdrs\brdrw15\brdrcf1\clvertalc\clcbpat1\cellx3374 \clbrdrb\brdrs\brdrw15\brdrcf1\clcbpat1\cellx4164 \clbrdrb\brdrs\brdrw15\brdrcf1\clvertalc\clcbpat1\cellx4506 \clbrdrb\brdrs\brdrw15\brdrcf1\clvertalc\clcbpat1\cellx4848 \clbrdrb\brdrs\brdrw15\brdrcf1\clcbpat1\cellx7813 \clbrdrb\brdrs\brdrw15\brdrcf1\clvertalc\clcbpat1\cellx8155 \clbrdrb\brdrs\brdrw15\brdrcf1\clvertalc\clcbpat1\cellx8497 \clbrdrb\brdrs\brdrw15\brdrcf1\clcbpat1\cellx8842 \clcbpat1\cellx9030 \pard \intbl \ri16 {\fs18 {\nosupersub \u160?}}\cell \pard \intbl\vertalc {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl\vertalc {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl \ri16 {\fs18 {\nosupersub \u160?}}\cell \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl \ri16 {\fs18 {\nosupersub \u160?}}\cell \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl \ri16 {\fs18 {\nosupersub \u160?}}\cell \pard\intbl\cell \row}
{\trowd\trleft0\clbrdrb\brdrs\brdrw15\brdrcf1\clcbpat1\cellx3334 \clbrdrb\brdrs\brdrw15\brdrcf1\clvertalc\clcbpat1\cellx3354 \clbrdrb\brdrs\brdrw15\brdrcf1\clvertalc\clcbpat1\cellx3374 \clbrdrb\brdrs\brdrw15\brdrcf1\clcbpat1\cellx4164 \clbrdrb\brdrs\brdrw15\brdrcf1\clvertalc\clcbpat1\cellx4506 \clbrdrb\brdrs\brdrw15\brdrcf1\clvertalc\clcbpat1\cellx4848 \clbrdrb\brdrs\brdrw15\brdrcf0\clcbpat1\cellx7813 \clbrdrb\brdrs\brdrw15\brdrcf1\clvertalc\clcbpat1\cellx8155 \clbrdrb\brdrs\brdrw15\brdrcf1\clvertalc\clcbpat1\cellx8497 \clbrdrb\brdrs\brdrw15\brdrcf1\clcbpat1\cellx8842 \clcbpat1\cellx9030 \pard \intbl \ri16 {\fs18 {\nosupersub Date:\u160?\u160?\u160?\u160?June 5, 2006}}\cell \pard \intbl\vertalc {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl\vertalc {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl \ri16 {\fs18 {\nosupersub By:}}\cell \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl \ri16 {\fs18 {\nosupersub /s/ David A. Wisniewski}}\cell \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl \ri16 {\fs18 {\nosupersub \u160?}}\cell \pard\intbl\cell \row}
{\trowd\trleft0\clbrdrb\brdrs\brdrw15\brdrcf1\clcbpat1\cellx3334 \clbrdrb\brdrs\brdrw15\brdrcf1\clvertalc\clcbpat1\cellx3354 \clbrdrb\brdrs\brdrw15\brdrcf1\clvertalc\clcbpat1\cellx3374 \clbrdrb\brdrs\brdrw15\brdrcf1\clcbpat1\cellx4164 \clbrdrb\brdrs\brdrw15\brdrcf1\clvertalc\clcbpat1\cellx4506 \clbrdrb\brdrs\brdrw15\brdrcf1\clvertalc\clcbpat1\cellx4848 \clbrdrb\brdrs\brdrw15\brdrcf1\clcbpat1\cellx7813 \clbrdrb\brdrs\brdrw15\brdrcf1\clvertalc\clcbpat1\cellx8155 \clbrdrb\brdrs\brdrw15\brdrcf1\clvertalc\clcbpat1\cellx8497 \clbrdrb\brdrs\brdrw15\brdrcf1\clcbpat1\cellx8842 \clcbpat1\cellx9030 \pard \intbl \ri16 {\fs18 {\nosupersub \u160?}}\cell \pard \intbl\vertalc {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl\vertalc {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl \ri16 {\fs18 {\nosupersub \u160?}}\cell \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl \ri16 {\fs18 {\nosupersub David A. Wisniewski,\line Group Vice President}}\cell \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl \ri16 {\fs18 {\nosupersub \u160?}}\cell \pard\intbl\cell \row}
{\trowd\trleft0\clvertalc\clcbpat1\cellx3334 \clcbpat1\cellx9030 \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard\intbl\cell \row}
\pard \sb15 {\fs20 }\par
\pard \li58\ri58\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-15\qc \par
\pard \sb185 {\fs20 }\par
\pard \pagebb {\fs20 {\*\bkmkstart FILE2_HTM}{\*\bkmkend FILE2_HTM} {\*\bkmkstart FIS_EXHIBIT_99}{\*\bkmkend FIS_EXHIBIT_99}}\par
\pard {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991APPT01.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \li15\sb225 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb225 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991APPT02.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 The following should be read in conjunction with the financial statements, notes and other information contained in the Company\u8217?s Quarterly Report for the period ended March 31, 2006 on Form 10-Q and the 2005 Annual Report on Form 10-K.}\par
\pard {\cf1\fs20 The following should be read in conjunction with the financial statements, notes and other information contained in the Company\u8217?s Quarterly Report for the period ended March 31, 2006 on Form 10-Q and the 2005 Annual Report on Form 10-K.}\par
\pard {\cf1\fs20 This presentation includes non-GAAP financial measures to describe SunTrust\u8217?s performance. The reconciliation of those measures to GAAP measures can be found in the appendix of this presentation, as well as in SunTrust\u8217?s earnings press releases, which can be found on SunTrust\u8217?s website in the news section of the investor relations pages. In this presentation, net interest income, net interest margin and the efficiency ratio are presented on a fully taxable-equivalent (\u8220?FTE\u8221?) basis, and ratios are presented on an annualized basis. The FTE basis adjusts for the tax-favored status of income from certain loans and investments. The Company believes this measure to be the preferred industry measurement of net interest income and provides relevant comparison between taxable and non-taxable amounts.}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991APPT03.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 SunTrust Banks, Inc.}\par
\pard {\cf1\fs20 L. Phillip Humann}\par
\pard {\cf1\fs20 L. Phillip Humann}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991APPT04.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Why SunTrust?}\par
\pard {\cf1\fs20 Does our operating model position us effectively for growth?}\par
\pard {\cf1\fs20 Does our operating model position us effectively for growth?}\par
\pard {\cf1\fs20 Do we have an experienced and proven management team who work effectively across business and product lines to deliver the best of SunTrust?}\par
\pard {\cf1\fs20 Does our footprint provide us a competitive advantage?}\par
\pard {\cf1\fs20 Have we successfully executed against our aspiration to have a best in class sales culture?}\par
\pard {\cf1\fs20 How does the right diversity and business mix help us deliver strong performance?}\par
\pard {\cf1\fs20 How does our disciplined approach to risk management translate into best-in-class credit quality?}\par
\pard {\cf1\fs20 Are we delivering the consistent, quality earnings the market and our shareholders expect and are we investing to achieve long term growth?}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991APPT05.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Building for Long-Term Growth}\par
\pard {\cf1\fs20 Current}\par
\pard {\cf1\fs20 1998/99}\par
\pard {\cf1\fs20 Focused on efficiency, ability to deliver common customer experience}\par
\pard {\cf1\fs20 Focused on efficiency, ability to deliver common customer experience}\par
\pard {\cf1\fs20 Implemented corporate strategy referred to as S3 + E2 = Selling, Serving, Sustaining client relationships with Excellence in Execution}\par
\pard {\cf1\fs20 Implemented corporate strategy referred to as S3 + E2 = Selling, Serving, Sustaining client relationships with Excellence in Execution}\par
\pard {\cf1\fs20 Placed highest priority on sales, cross-LOB referrals & client retention}\par
\pard {\cf1\fs20 Championed 360o relationships: profiling clients\u8217? financial services needs and accessing the breadth of SunTrust\u8217?s capabilities}\par
\pard {\cf1\fs20 Introduced new geographic structure and operating model}\par
\pard {\cf1\fs20 Introduced new geographic structure and operating model}\par
\pard {\cf1\fs20 Aligned top talent to key leadership positions}\par
\pard {\cf1\fs20 Extended footprint into key growth markets with Crestar merger}\par
\pard {\cf1\fs20 Extended footprint into key growth markets with Crestar merger}\par
\pard {\cf1\fs20 Collapsed 28 bank charters}\par
\pard {\cf1\fs20 Enhanced Franchise}\par
\pard {\cf1\fs20 One Bank}\par
\pard {\cf1\fs20 Take the Lead}\par
\pard {\cf1\fs20 Sales}\par
\pard {\cf1\fs20 Sales}\par
\pard {\cf1\fs20 Risk Optimization & Enhanced Operating Leverage}\par
\pard {\cf1\fs20 Focusing on loan spread improvements}\par
\pard {\cf1\fs20 Focusing on loan spread improvements}\par
\pard {\cf1\fs20 Institutionalizing Business Mix Management process to optimize long-term investments and financial performance}\par
\pard {\cf1\fs20 Identifying portfolios with opportunity for better risk-adjusted pricing, applying improved credit analytics and pricing tools}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991APPT06.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Unique Approach to the Market}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991APPT07.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Dynamic Operating Model \u8211? Key Interactions}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991APPT08.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Operating Model Differentiation}\par
\pard {\cf1\fs20 LOB\u8217?s design business and product strategies with direct feedback from the geographic partners}\par
\pard {\cf1\fs20 LOB\u8217?s design business and product strategies with direct feedback from the geographic partners}\par
\pard {\cf1\fs20 Geographic partners are led by regional leaders who have solid line reporting relationships with the local Retail, Commercial and Wealth & Investment Management heads. They are empowered to deliver services, products and pricing to local customers}\par
\pard {\cf1\fs20 Local credit decisioning and pricing (most commercial credit requests are priced and approved locally)}\par
\pard {\cf1\fs20 Local management is held accountable and their incentive compensation is earned based on the success of the combined local LOB\u8217?s performance}\par
\pard {\cf1\fs20 Geographic partners have weekly sales meetings with LOBs where specific cross LOB commitments are made and the subsequent success tracked}\par
\pard {\cf1\fs20 Mid-Atlantic}\par
\pard {\cf1\fs20 Mid-Atlantic}\par
\pard {\cf1\fs20 Carolinas}\par
\pard {\cf1\fs20 Central}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991APPT09.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Experienced and Proven Management Team}\par
\pard {\cf1\fs20 SunTrust Management Committee}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991APPT10.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Management Transition}\par
\pard {\cf1\fs20 Success through management transition}\par
\pard {\cf1\fs20 Success through management transition}\par
\pard {\cf1\fs20 End of 2004, we had three executive management retirements}\par
\pard {\cf1\fs20 Reorganized entire organization and installed new management team}\par
\pard {\cf1\fs20 Seamless transition to new structure and roles with no performance disruption}\par
\pard {\cf1\fs20 Elevated our performance across multiple areas with seasoned, skilled appointments}\par
\pard {\cf1\fs20 Track record of bringing in new talent}\par
\pard {\cf1\fs20 Mark Chancy, Chief Financial Officer (Robinson Humphrey - 2001)}\par
\pard {\cf1\fs20 Tim Sullivan, Chief Information Officer (2003)}\par
\pard {\cf1\fs20 Bill Reed, Vice Chairman, Geography and Sales (NCF - 2004)}\par
\pard {\cf1\fs20 Richard Furr, Chairman, President and CEO of Carolinas Banking Group (NCF - 2004)}\par
\pard {\cf1\fs20 Tom Freeman, Chief Credit Officer (2006)}\par
\pard {\cf1\fs20 Strong bench, in depth and breadth}\par
\pard {\cf1\fs20 Succession plans exist for top 200+ management positions}\par
\pard {\cf1\fs20 Review opportunities and readiment twice per year}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991APPT11.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 High Growth Footprint Leveraged for Continued Growth}\par
\pard {\cf1\fs20 Weighted average population growth for SunTrust markets 84% higher than national average}\par
\pard {\cf1\fs20 Weighted average population growth for SunTrust markets 84% higher than national average}\par
\pard {\cf1\fs20 %}\par
\pard {\cf1\fs20 Source: SNL Securities, U.S. average is a weighted average based on MSA deposits.}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_SLIDE11PPT01.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Cross-LOB Sales and Referrals Driving Revenue Growth}\par
\pard {\cf1\fs20 CIB}\par
\pard {\cf1\fs20 Wlth}\par
\pard {\cf1\fs20 Wlth}\par
\pard {\cf1\fs20 and}\par
\pard {\cf1\fs20 Invest.}\par
\pard {\cf1\fs20 Retail}\par
\pard {\cf1\fs20 Cmml}\par
\pard {\cf1\fs20 Mortgage}\par
\pard {\cf1\fs20 SunTrust}\par
\pard {\cf1\fs20 SunTrust}\par
\pard {\cf1\fs20 2005 Highlights}\par
\pard {\cf1\fs20 360o Delivery of SunTrust Capabilities}\par
\pard {\cf1\fs20 360o Perspective of Client Needs}\par
\pard {\cf1\fs20 1 SunTrust legacy only vs December YTD last year.}\par
\pard {\cf1\fs20 1 SunTrust legacy only vs December YTD last year.}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991APPT13.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 SunTrust\u8217?s Diverse Business Mix}\par
\pard {\cf1\fs20 Balanced and diversified business mix}\par
\pard {\cf1\fs20 After-Tax Net Income Contribution by Line of Business}\par
\pard {\cf1\fs20 After-Tax Net Income Contribution by Line of Business}\par
\pard {\cf1\fs20 Q1 2006}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991APPT14.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Disciplined Credit Risk Management}\par
\pard {\cf1\fs20 Net Charge-Offs/Average Loans}\par
\pard {\cf1\fs20 %}\par
\pard {\cf1\fs20 *}\par
\pard {\cf1\fs20 *Peers include Amsouth, Bank of America, BB&T, Comerica, Fifth Third, First Horizon, Keycorp, M&T Bank, National City, PNC, Regions, US Bancorp, Wachovia and Wells Fargo. Numbers presented for peers are averages.}\par
\pard {\cf1\fs20 *Peers include Amsouth, Bank of America, BB&T, Comerica, Fifth Third, First Horizon, Keycorp, M&T Bank, National City, PNC, Regions, US Bancorp, Wachovia and Wells Fargo. Numbers presented for peers are averages.}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991APPT15.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Demonstrating the Momentum}\par
\pard {\cf1\fs20 SunTrust = +10% Growth
Peers = +9% Growth}\par
\pard {\cf1\fs20 SunTrust = +9% Growth
Peers = +7% Growth}\par
\pard {\cf1\fs20 Revenue Per Share}\par
\pard {\cf1\fs20 $}\par
\pard {\cf1\fs20 *Peers include Amsouth, Bank of America, BB&T, Comerica, Fifth Third, Keycorp, M&T Bank, National City, PNC, Regions, US Bancorp, Wachovia and Wells Fargo. Numbers presented for peers are averages.}\par
\pard {\cf1\fs20 *Peers include Amsouth, Bank of America, BB&T, Comerica, Fifth Third, Keycorp, M&T Bank, National City, PNC, Regions, US Bancorp, Wachovia and Wells Fargo. Numbers presented for peers are averages.}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991APPT16.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 * Peers include Amsouth, Bank of America, BB&T, Comerica, Fifth Third, Keycorp, M&T Bank, National City, PNC, Regions, US Bancorp, Wachovia and Wells Fargo. Numbers presented for peers are averages.}\par
\pard {\cf1\fs20 * Peers include Amsouth, Bank of America, BB&T, Comerica, Fifth Third, Keycorp, M&T Bank, National City, PNC, Regions, US Bancorp, Wachovia and Wells Fargo. Numbers presented for peers are averages.}\par
\pard {\cf1\fs20 1 SunTrust did not have extraordinary items in the periods shown.}\par
\pard {\cf1\fs20 SunTrust = +14% Growth
Peers = +12% Growth}\par
\pard {\cf1\fs20 SunTrust = +7% Growth
Peers = +6% Growth}\par
\pard {\cf1\fs20 Diluted Earnings Per Share Before Extraordinary Items1}\par
\pard {\cf1\fs20 $}\par
\pard {\cf1\fs20 Demonstrating the Momentum}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991APPT17.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 1 EPS as originally reported and adjusted for stock splits. There are no adjustments for merger pooling.}\par
\pard {\cf1\fs20 1 EPS as originally reported and adjusted for stock splits. There are no adjustments for merger pooling.}\par
\pard {\cf1\fs20 2 CAGR based on GAAP EPS excluding merger-related charges.}\par
\pard {\cf1\fs20 GAAP EPS}\par
\pard {\cf1\fs20 EPS1}\par
\pard {\cf1\fs20 Reduction in EPS due to merger-related charges}\par
\pard {\cf1\fs20 CAGR = 10%3}\par
\pard {\cf1\fs20 CAGR = 0%3}\par
\pard {\cf1\fs20 CAGR = 9%2/ 8%3}\par
\pard {\cf1\fs20 EPS Growth Back on Track}\par
\pard {\cf1\fs20 EPS growth back in line with the long-term trend despite the dilution effect in 2005 from NCF merger}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991BPPT01.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 SunTrust Banks, Inc.}\par
\pard {\cf1\fs20 James M. Wells III}\par
\pard {\cf1\fs20 James M. Wells III}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991BPPT02.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Five Business Lines}\par
\pard {\cf1\fs20 Five Business Lines}\par
\pard {\cf1\fs20 Retail}\par
\pard {\cf1\fs20 Wealth and Investment Management}\par
\pard {\cf1\fs20 Commercial}\par
\pard {\cf1\fs20 Mortgage}\par
\pard {\cf1\fs20 Corporate and Investment Banking}\par
\pard {\cf1\fs20 Four Groups}\par
\pard {\cf1\fs20 Four Groups}\par
\pard {\cf1\fs20 Florida}\par
\pard {\cf1\fs20 Central}\par
\pard {\cf1\fs20 Mid-Atlantic}\par
\pard {\cf1\fs20 Carolinas}\par
\pard {\cf1\fs20 20 Regions with a Local Executive and Dedicated Management Team}\par
\pard {\cf1\fs20 Drive Strategy, Initiatives and}\par
\pard {\cf1\fs20 Profitability}\par
\pard {\cf1\fs20 Drive Client Acquisition, Expansion, Service, Retention and Profitability}\par
\pard {\cf1\fs20 Lines of Business}\par
\pard {\cf1\fs20 Geographies}\par
\pard {\cf1\fs20 LOB and Geographic Overview}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991BPPT03.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Central}\par
\pard {\cf1\fs20 Central}\par
\pard {\cf1\fs20 Florida}\par
\pard {\cf1\fs20 Mid-Atlantic}\par
\pard {\cf1\fs20 4 Groups}\par
\pard {\cf1\fs20 20 Regions}\par
\pard {\cf1\fs20 Atlanta}\par
\pard {\cf1\fs20 Atlanta}\par
\pard {\cf1\fs20 Chattanooga}\par
\pard {\cf1\fs20 East Tennessee - Knoxville}\par
\pard {\cf1\fs20 Georgia \u8211? Savannah/South Georgia}\par
\pard {\cf1\fs20 Memphis}\par
\pard {\cf1\fs20 Nashville}\par
\pard {\cf1\fs20 Central - Orlando}\par
\pard {\cf1\fs20 South FL - Fort Lauderdale/Miami}\par
\pard {\cf1\fs20 Southwest FL - Ft Myers/Sarasota/Naples}\par
\pard {\cf1\fs20 North FL - Jacksonville/Pensacola}\par
\pard {\cf1\fs20 Tampa Bay}\par
\pard {\cf1\fs20 Central Virginia - Richmond}\par
\pard {\cf1\fs20 Maryland - Baltimore}\par
\pard {\cf1\fs20 Greater Washington}\par
\pard {\cf1\fs20 Western Virginia - Roanoke}\par
\pard {\cf1\fs20 Hampton Roads - Norfolk}\par
\pard {\cf1\fs20 Triangle- Raleigh/Durham, Wilmington}\par
\pard {\cf1\fs20 Mecklenburg \u8211? Asheville, Charlotte}\par
\pard {\cf1\fs20 South Carolina \u8211? Greenville, Charleston}\par
\pard {\cf1\fs20 Triad \u8211? Greensboro, Winston-Salem}\par
\pard {\cf1\fs20 1,332 Traditional branches}\par
\pard {\cf1\fs20 1,332 Traditional branches}\par
\pard {\cf1\fs20 345 In-store branches}\par
\pard {\cf1\fs20 Geographic Structure}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991BPPT04.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Central Group Overview}\par
\pard {\cf1\fs20 523 branches, 818 ATMs}\par
\pard {\cf1\fs20 523 branches, 818 ATMs}\par
\pard {\cf1\fs20 $37.9 billion in deposits; 19.0% deposit market share in GA; #1 rank in state; 10.1% deposit market share in TN; #3 in state1}\par
\pard {\cf1\fs20 Client relationships: 1.2 million personal, 155,000 business clients}\par
\pard {\cf1\fs20 Household penetration: 25%2}\par
\pard {\cf1\fs20 14% of Business Banking market considers SunTrust the lead bank \u8211? SunTrust has a relationship with 21% of the market (tied for #1 in Central)3}\par
\pard {\cf1\fs20 Atlanta}\par
\pard {\cf1\fs20 Chattanooga}\par
\pard {\cf1\fs20 Georgia}\par
\pard {\cf1\fs20 Nashville}\par
\pard {\cf1\fs20 Memphis}\par
\pard {\cf1\fs20 East Tennessee}\par
\pard {\cf1\fs20 1 Source: As of June 2005, FDIC, state numbers are based on political boundaries.}\par
\pard {\cf1\fs20 1 Source: As of June 2005, FDIC, state numbers are based on political boundaries.}\par
\pard {\cf1\fs20 2 Source: Claritas and MCIF, March 2006.}\par
\pard {\cf1\fs20 3 Source: Independent third party research, 2005.}\par
\pard {\cf1\fs20 4 Source: Independent third party research, 2004.}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991BPPT05.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Florida Group Overview}\par
\pard {\cf1\fs20 Tampa Bay}\par
\pard {\cf1\fs20 Southwest}\par
\pard {\cf1\fs20 Southwest}\par
\pard {\cf1\fs20 Central Florida}\par
\pard {\cf1\fs20 South Florida}\par
\pard {\cf1\fs20 North Florida}\par
\pard {\cf1\fs20 498 branches, 941 ATMs}\par
\pard {\cf1\fs20 498 branches, 941 ATMs}\par
\pard {\cf1\fs20 $34.3 billion in deposits; 10.0% deposit market share in FL; #3 rank in state1}\par
\pard {\cf1\fs20 Client Relationships: 1.4 million personal, 196,500 business clients}\par
\pard {\cf1\fs20 Household penetration: 19%2}\par
\pard {\cf1\fs20 10% of Business Banking market considers SunTrust the lead bank \u8211? SunTrust has a relationship with 16% of the market (#3 in Florida)3}\par
\pard {\cf1\fs20 1 Source: As of June 2005, FDIC, state numbers are based on political boundaries.}\par
\pard {\cf1\fs20 1 Source: As of June 2005, FDIC, state numbers are based on political boundaries.}\par
\pard {\cf1\fs20 2 Source: Claritas and MCIF, March 2006.}\par
\pard {\cf1\fs20 3 Source: Independent third party research, 2005.}\par
\pard {\cf1\fs20 4 Source: Independent third party research, 2004.}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991BPPT06.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 413 Branches, 752 ATMs}\par
\pard {\cf1\fs20 413 Branches, 752 ATMs}\par
\pard {\cf1\fs20 $23.6 billion in deposits; 9.2% deposit market share; #4 in footprint1}\par
\pard {\cf1\fs20 Client relationships: 1.6 million personal, 128,500 business clients}\par
\pard {\cf1\fs20 Household penetration: 30%2}\par
\pard {\cf1\fs20 12% of the Business Banking ($1-$5MM) market considers SunTrust the lead bank \u8211? SunTrust has a relationship with 18% of the market (#4 in Mid-Atlantic)3}\par
\pard {\cf1\fs20 Mid-Atlantic Group Overview}\par
\pard {\cf1\fs20 Western Virginia}\par
\pard {\cf1\fs20 Maryland}\par
\pard {\cf1\fs20 GWR}\par
\pard {\cf1\fs20 Central Virginia}\par
\pard {\cf1\fs20 Hampton Roads}\par
\pard {\cf1\fs20 1 Source: As of June 2005, FDIC, state numbers are based on political boundaries.}\par
\pard {\cf1\fs20 1 Source: As of June 2005, FDIC, state numbers are based on political boundaries.}\par
\pard {\cf1\fs20 2 Source: Claritas and MCIF, March 2006.}\par
\pard {\cf1\fs20 3 Source: Independent third party research, 2005.}\par
\pard {\cf1\fs20 4 Source: Independent third party research, 2004.}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991BPPT07.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Carolinas Group Overview}\par
\pard {\cf1\fs20 243 branches, 275 ATMs}\par
\pard {\cf1\fs20 243 branches, 275 ATMs}\par
\pard {\cf1\fs20 $9.2 billion in deposits; 4.2% deposit market share in NC; #5 rank in state; 2.8% deposit market share in SC; #8 in state1}\par
\pard {\cf1\fs20 Client relationships: 506,000 personal, 83,500 business clients}\par
\pard {\cf1\fs20 Household penetration: 16%2}\par
\pard {\cf1\fs20 9% of Business Banking market considers SunTrust the lead bank \u8211? SunTrust has a relationship with 15% of the market (#4 in Carolinas)3}\par
\pard {\cf1\fs20 4% of the Commercial Banking market considers SunTrust the lead bank \u8211? SunTrust has a relationship with 8% of the market (#6 in Carolinas)4}\par
\pard {\cf1\fs20 Mecklenburg}\par
\pard {\cf1\fs20 Triangle}\par
\pard {\cf1\fs20 Triad}\par
\pard {\cf1\fs20 South Carolina}\par
\pard {\cf1\fs20 1 Source: As of June 2005, FDIC, state numbers are based on political boundaries.}\par
\pard {\cf1\fs20 1 Source: As of June 2005, FDIC, state numbers are based on political boundaries.}\par
\pard {\cf1\fs20 2 Source: Claritas and MCIF, March 2006.}\par
\pard {\cf1\fs20 3 Source: Independent third party research, 2005.}\par
\pard {\cf1\fs20 4 Source: Independent third party research, 2004.}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991BPPT08.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Retail}\par
\pard {\cf1\fs20 Other LOBs}\par
\pard {\cf1\fs20 Retail Contribution (1Q 2006)}\par
\pard {\cf1\fs20 $67.2 billion}\par
\pard {\cf1\fs20 $190.5 million}\par
\pard {\cf1\fs20 Net Income}\par
\pard {\cf1\fs20 $850.7 million}\par
\pard {\cf1\fs20 $31.2 billion}\par
\pard {\cf1\fs20 Deposits}\par
\pard {\cf1\fs20 Revenue}\par
\pard {\cf1\fs20 Loans}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991BPPT09.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Retail\u8217?s Lines of Business Work Well Together}\par
\pard {\cf1\fs20 Branch Banking}\par
\pard {\cf1\fs20 Business Banking}\par
\pard {\cf1\fs20 Consumer Lending}\par
\pard {\cf1\fs20 Home Equity Sales Production}\par
\pard {\cf1\fs20 Home Equity Sales Production}\par
\pard {\cf1\fs20 (in millions)}\par
\pard {\cf1\fs20 New Business Deposit Sales Production}\par
\pard {\cf1\fs20 New Business Deposit Sales Production}\par
\pard {\cf1\fs20 New Consumer Deposit Sales Production}\par
\pard {\cf1\fs20 New Consumer Deposit Sales Production}\par
\pard {\cf1\fs20 35%}\par
\pard {\cf1\fs20 47%}\par
\pard {\cf1\fs20 36%}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991BPPT10.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Retail Landscape}\par
\pard {\cf1\fs20 SunTrust serves more than 4 million personal households and 500,000 small businesses}\par
\pard {\cf1\fs20 SunTrust serves more than 4 million personal households and 500,000 small businesses}\par
\pard {\cf1\fs20 SunTrust has the 3rd largest branch network in the Southeast}\par
\pard {\cf1\fs20 1,677 full service banking offices}\par
\pard {\cf1\fs20 1,332 traditional branches}\par
\pard {\cf1\fs20 345 in-store locations}\par
\pard {\cf1\fs20 2,786 ATMs}\par
\pard {\cf1\fs20 SunTrust ranks #3 in deposit market share in the Southeast}\par
\pard {\cf1\fs20 In 2005, the SunTrust footprint includes 19 million (17%) out of the 111 million U.S. Households}\par
\pard {\cf1\fs20 Note: As of 03/31/2006 SunTrust MCIF.}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991BPPT11.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Deposit Market Share}\par
\pard {\cf1\fs20 1 Source: June 2005 SNL and FDIC Deposit Data, please note the FDIC data includes headquarter deposits in certain regions.}\par
\pard {\cf1\fs20 1 Source: June 2005 SNL and FDIC Deposit Data, please note the FDIC data includes headquarter deposits in certain regions.}\par
\pard {\cf1\fs20 SunTrust has a top 5 deposit market share in 19 out of 20 of our Regions, and top 3 in 15 Regions}\par
\pard {\cf1\fs20 SunTrust has a top 5 deposit market share in 19 out of 20 of our Regions, and top 3 in 15 Regions}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991BPPT12.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 W&IM}\par
\pard {\cf1\fs20 Other LOBs}\par
\pard {\cf1\fs20 Wealth and Investment Management Contribution (1Q 2006)}\par
\pard {\cf1\fs20 $9.2 billion}\par
\pard {\cf1\fs20 $45.7 million}\par
\pard {\cf1\fs20 Net Income}\par
\pard {\cf1\fs20 $331.2 million}\par
\pard {\cf1\fs20 $8.1 billion}\par
\pard {\cf1\fs20 Deposits}\par
\pard {\cf1\fs20 Revenue}\par
\pard {\cf1\fs20 Loans}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991BPPT13.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Wealth and Investment Management Overview}\par
\pard {\cf1\fs20 Institutional Investment Management}\par
\pard {\cf1\fs20 Institutional Investment Management}\par
\pard {\cf1\fs20 Private Wealth Management}\par
\pard {\cf1\fs20 Private Wealth Management}\par
\pard {\cf1\fs20 Wealth & Investment Management}\par
\pard {\cf1\fs20 Retirement Services}\par
\pard {\cf1\fs20 Endowment & Foundation}\par
\pard {\cf1\fs20 Corporate Trust}\par
\pard {\cf1\fs20 Private Wealth Management}\par
\pard {\cf1\fs20 SunTrust Investment Svcs}\par
\pard {\cf1\fs20 Sports & Entertainment}\par
\pard {\cf1\fs20 Personal Asset Management}\par
\pard {\cf1\fs20 International Wealth Management}\par
\pard {\cf1\fs20 Medical & Legal}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991BPPT14.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Private Wealth Management Capabilities}\par
\pard {\cf1\fs20 Personal Insurance}\par
\pard {\cf1\fs20 Life Insurance Products}\par
\pard {\cf1\fs20 Life Insurance Products}\par
\pard {\cf1\fs20 Wealth Transfer}\par
\pard {\cf1\fs20 Trust and Estate Administration}\par
\pard {\cf1\fs20 Revocable and Irrevocable Trusts}\par
\pard {\cf1\fs20 Revocable and Irrevocable Trusts}\par
\pard {\cf1\fs20 Estate Planning}\par
\pard {\cf1\fs20 Estate Settlement}\par
\pard {\cf1\fs20 Custodial Services}\par
\pard {\cf1\fs20 Delaware Trust Company}\par
\pard {\cf1\fs20 Investment Management}\par
\pard {\cf1\fs20 Portfolio Management for Equity}\par
\pard {\cf1\fs20 Portfolio Management for Equity}\par
\pard {\cf1\fs20 Fixed Income}\par
\pard {\cf1\fs20 Alternative Investments and Multi-Managers}\par
\pard {\cf1\fs20 Credit}\par
\pard {\cf1\fs20 Jumbo Mortgage}\par
\pard {\cf1\fs20 Jumbo Mortgage}\par
\pard {\cf1\fs20 Home Equity Line}\par
\pard {\cf1\fs20 Lines of Credit}\par
\pard {\cf1\fs20 Letters of Credit}\par
\pard {\cf1\fs20 Real Estate and Special Asset}\par
\pard {\cf1\fs20 Personal and Commercial Real Estate Property}\par
\pard {\cf1\fs20 Personal and Commercial Real Estate Property}\par
\pard {\cf1\fs20 Timber Management}\par
\pard {\cf1\fs20 Closely-Held Business Valuations}\par
\pard {\cf1\fs20 Financial Planning}\par
\pard {\cf1\fs20 Estate Tax Minimization}\par
\pard {\cf1\fs20 Estate Tax Minimization}\par
\pard {\cf1\fs20 Income Tax Strategies}\par
\pard {\cf1\fs20 Risk Management}\par
\pard {\cf1\fs20 Collars}\par
\pard {\cf1\fs20 Collars}\par
\pard {\cf1\fs20 Prepaid Forwards}\par
\pard {\cf1\fs20 Online Banking}\par
\pard {\cf1\fs20 Portfolio View}\par
\pard {\cf1\fs20 Portfolio View}\par
\pard {\cf1\fs20 Online Statements}\par
\pard {\cf1\fs20 Custom File Delivery}\par
\pard {\cf1\fs20 Client}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991BPPT15.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Creating Solutions Tailored for Institutions}\par
\pard {\cf1\fs20 Institutions}\par
\pard {\cf1\fs20 Fixed Income}\par
\pard {\cf1\fs20 Liquidity & Short-Term Fixed}\par
\pard {\cf1\fs20 Liquidity & Short-Term Fixed}\par
\pard {\cf1\fs20 Tax-Free Fixed}\par
\pard {\cf1\fs20 High Grade Taxable Fixed}\par
\pard {\cf1\fs20 High Yield Fixed}\par
\pard {\cf1\fs20 Equity Management}\par
\pard {\cf1\fs20 Value Equity: Large, Mid and Small Cap}\par
\pard {\cf1\fs20 Value Equity: Large, Mid and Small Cap}\par
\pard {\cf1\fs20 Growth Equity: Large, Mid and Small Cap}\par
\pard {\cf1\fs20 International Equity}\par
\pard {\cf1\fs20 STI Classic Funds}\par
\pard {\cf1\fs20 Over $35B in AUM as of 4/30/06}\par
\pard {\cf1\fs20 Over $35B in AUM as of 4/30/06}\par
\pard {\cf1\fs20 6th largest bank-sponsored fund complex as of 12/31/05}\par
\pard {\cf1\fs20 Comprised of 61 funds}\par
\pard {\cf1\fs20 Strategic Allocation Solutions}\par
\pard {\cf1\fs20 Open Architecture Investments}\par
\pard {\cf1\fs20 Open Architecture Investments}\par
\pard {\cf1\fs20 Client Needs Assessment}\par
\pard {\cf1\fs20 Investment Policy Development}\par
\pard {\cf1\fs20 Manager Due Diligence}\par
\pard {\cf1\fs20 Portfolio Construction}\par
\pard {\cf1\fs20 Retirement Services}\par
\pard {\cf1\fs20 Defined Benefit (DB) Plans}\par
\pard {\cf1\fs20 Defined Benefit (DB) Plans}\par
\pard {\cf1\fs20 Defined Contribution (DC) Plans}\par
\pard {\cf1\fs20 Rollover Solutions}\par
\pard {\cf1\fs20 Advice/Managed Account}\par
\pard {\cf1\fs20 Corporate Trust}\par
\pard {\cf1\fs20 Bond Indenture Trustee}\par
\pard {\cf1\fs20 Bond Indenture Trustee}\par
\pard {\cf1\fs20 Escrow Services}\par
\pard {\cf1\fs20 Endowment & Foundation}\par
\pard {\cf1\fs20 Planned Giving}\par
\pard {\cf1\fs20 Planned Giving}\par
\pard {\cf1\fs20 Grant Tracking and Grant Administration}\par
\pard {\cf1\fs20 Custody & Master Custody}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991BPPT16.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Other LOBs}\par
\pard {\cf1\fs20 Commercial}\par
\pard {\cf1\fs20 Commercial Contribution (1Q 2006)}\par
\pard {\cf1\fs20 $13.7 billion}\par
\pard {\cf1\fs20 $106.8 million}\par
\pard {\cf1\fs20 Net Income}\par
\pard {\cf1\fs20 $300.7 million}\par
\pard {\cf1\fs20 $31.5 billion}\par
\pard {\cf1\fs20 Deposits}\par
\pard {\cf1\fs20 Revenue}\par
\pard {\cf1\fs20 Loans}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991BPPT17.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Commercial Line of Business Overview}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991BPPT18.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Mortgage}\par
\pard {\cf1\fs20 Other LOBs}\par
\pard {\cf1\fs20 Mortgage Contribution (1Q 2006)}\par
\pard {\cf1\fs20 $28.9 billion}\par
\pard {\cf1\fs20 $79.7 million}\par
\pard {\cf1\fs20 Net Income}\par
\pard {\cf1\fs20 $268.8 million}\par
\pard {\cf1\fs20 $1.4 billion}\par
\pard {\cf1\fs20 Loans}\par
\pard {\cf1\fs20 Revenue}\par
\pard {\cf1\fs20 Deposits}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991BPPT19.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Mortgage LOB Retail Geographic Locations}\par
\pard {\cf1\fs20 176 Mortgage Offices}\par
\pard {\cf1\fs20 176 Mortgage Offices}\par
\pard {\cf1\fs20 1,540 Loan Officers}\par
\pard {\cf1\fs20 Source: STM Branch Listing, March, 2006.}\par
\pard {\cf1\fs20 37 locations in Florida Group}\par
\pard {\cf1\fs20 57 locations in Mid-Atlantic Group}\par
\pard {\cf1\fs20 43 locations in Central Group}\par
\pard {\cf1\fs20 23 locations outside of the Company\u8217?s footprint}\par
\pard {\cf1\fs20 16 locations in Carolinas Group}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991BPPT20.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Mortgage LOB Wholesale Geographic Locations}\par
\pard {\cf1\fs20 20 Regional Operations Centers}\par
\pard {\cf1\fs20 20 Regional Operations Centers}\par
\pard {\cf1\fs20 169 Account Executives}\par
\pard {\cf1\fs20 San Ramon, CA}\par
\pard {\cf1\fs20 Laguna Hills, CA}\par
\pard {\cf1\fs20 Denver, CO}\par
\pard {\cf1\fs20 Dallas, TX}\par
\pard {\cf1\fs20 Houston, TX}\par
\pard {\cf1\fs20 Nashville, TN}\par
\pard {\cf1\fs20 Atlanta, GA}\par
\pard {\cf1\fs20 Orlando, FL}\par
\pard {\cf1\fs20 Charlotte, NC}\par
\pard {\cf1\fs20 Richmond, VA}\par
\pard {\cf1\fs20 Portsmouth, NH}\par
\pard {\cf1\fs20 Chicago, IL}\par
\pard {\cf1\fs20 Seattle, WA}\par
\pard {\cf1\fs20 Portland, OR}\par
\pard {\cf1\fs20 Phoenix, AZ}\par
\pard {\cf1\fs20 Tucson, AZ}\par
\pard {\cf1\fs20 Cleveland, OH}\par
\pard {\cf1\fs20 Tampa, FL}\par
\pard {\cf1\fs20 Maitland, FL}\par
\pard {\cf1\fs20 Kansas City, KS}\par
\pard {\cf1\fs20 Source: STM Branch Listing, March, 2006.}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991BPPT21.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Northborough, MA}\par
\pard {\cf1\fs20 Mortgage LOB Correspondent Geographic Locations}\par
\pard {\cf1\fs20 Houston, TX}\par
\pard {\cf1\fs20 Franklin, TN}\par
\pard {\cf1\fs20 Mooresville, NC}\par
\pard {\cf1\fs20 National Operations Center}\par
\pard {\cf1\fs20 National Operations Center}\par
\pard {\cf1\fs20 Westhampton,NJ}\par
\pard {\cf1\fs20 Chicago, IL}\par
\pard {\cf1\fs20 Omaha, NE}\par
\pard {\cf1\fs20 Plano, TX}\par
\pard {\cf1\fs20 Jacksonville, FL}\par
\pard {\cf1\fs20 Tulsa, OK}\par
\pard {\cf1\fs20 Las Vegas, NV}\par
\pard {\cf1\fs20 Palmyra, WI}\par
\pard {\cf1\fs20 Centennial, CO}\par
\pard {\cf1\fs20 Holley, NY}\par
\pard {\cf1\fs20 Canton, MI}\par
\pard {\cf1\fs20 Charlotte, NC}\par
\pard {\cf1\fs20 Vancouver, WA}\par
\pard {\cf1\fs20 Grand Prairie, TX}\par
\pard {\cf1\fs20 Santa Cruz, CA}\par
\pard {\cf1\fs20 Dora, AL}\par
\pard {\cf1\fs20 Boston, MA}\par
\pard {\cf1\fs20 Carlsbad, CA}\par
\pard {\cf1\fs20 Mirimar, FL}\par
\pard {\cf1\fs20 24 Account Executives / Sales Offices}\par
\pard {\cf1\fs20 24 Account Executives / Sales Offices}\par
\pard {\cf1\fs20 Operations in Richmond Headquarters}\par
\pard {\cf1\fs20 Source: STM Branch Listing, March, 2006.}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991BPPT22.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 SunTrust Mortgage Portfolio}\par
\pard {\cf1\fs20 Primarily invests in Prime and Alt-A Hybrid ARMs and Second Mortgages}\par
\pard {\cf1\fs20 No negative amortizing mortgages}\par
\pard {\cf1\fs20 No Option ARMs}\par
\pard {\cf1\fs20 No sub-prime mortgages}\par
\pard {\cf1\fs20 Note: As of 3/2006.}\par
\pard {\cf1\fs20 Total Loan Portfolio: $28.9 Billion}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991BPPT23.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Other LOBs}\par
\pard {\cf1\fs20 CIB}\par
\pard {\cf1\fs20 Corporate and Investment Banking Contribution (1Q 2006)}\par
\pard {\cf1\fs20 $3.7 billion}\par
\pard {\cf1\fs20 $64.2 million}\par
\pard {\cf1\fs20 Net Income}\par
\pard {\cf1\fs20 $225.4 million}\par
\pard {\cf1\fs20 $16.1 billion}\par
\pard {\cf1\fs20 Deposits}\par
\pard {\cf1\fs20 Revenue}\par
\pard {\cf1\fs20 Loans}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991BPPT24.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Corporate and Investment Banking Overview}\par
\pard {\cf1\fs20 Capital Markets}\par
\pard {\cf1\fs20 Capital Markets}\par
\pard {\cf1\fs20 Investment Banking: provides loan syndication, public and private debt underwriting, structured real estate services, asset securitization/principal investing; public and private equity underwriting, and mergers and acquisition advisory services}\par
\pard {\cf1\fs20 Sales & Trading: provides debt and equity trading/distribution and equity securities research}\par
\pard {\cf1\fs20 Derivatives: provides risk management solutions for customers using interest rate and equity derivatives and foreign exchange}\par
\pard {\cf1\fs20 Merchant Banking: private equity and mezzanine investing}\par
\pard {\cf1\fs20 Clients: include Large Corporate, Financial Services, Commercial, Wealth & Investment Management, Retail, Institutional Investors and SunTrust}\par
\pard {\cf1\fs20 Credit Products}\par
\pard {\cf1\fs20 Credit Products}\par
\pard {\cf1\fs20 Leasing}\par
\pard {\cf1\fs20 Leasing}\par
\pard {\cf1\fs20 Treasury Management}\par
\pard {\cf1\fs20 Treasury Management}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991BPPT25.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Common Themes Across LOBs}\par
\pard {\cf1\fs20 Enhancing the client experience through improved service and specialized products}\par
\pard {\cf1\fs20 Enhancing the client experience through improved service and specialized products}\par
\pard {\cf1\fs20 Optimizing distribution capabilities and further integrating client access and delivery across LOBs}\par
\pard {\cf1\fs20 Effectively leveraging our best-in-class sales force to foster full relationship management and improve retention}\par
\pard {\cf1\fs20 Improving efficiency through streamlined processes and operations}\par
\pard {\cf1\fs20 Expanding capability and products to capture opportunity in emerging markets and high opportunity segments}\par
\pard {\cf1\fs20 Retaining key salespeople, adding resources in markets with highest opportunities and strengthening performance management practices}\par
\pard {\cf1\fs20 Improving loan spreads through focus on risk-adjusted pricing discipline}\par
\pard {\cf1\fs20 Superior execution by the geography and specialty teams in our high opportunity footprint}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991BPPT26.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Long-Term Growth Initiatives}\par
\pard {\cf1\fs20 1 Actual results could differ. Please see slide 1 for a list of important factors that could cause actual results to differ.}\par
\pard {\cf1\fs20 9-11%}\par
\pard {\cf1\fs20 12-14%}\par
\pard {\cf1\fs20 8-10%}\par
\pard {\cf1\fs20 10-12%}\par
\pard {\cf1\fs20 9-11%}\par
\pard {\cf1\fs20 Long-Term Annual Growth}\par
\pard {\cf1\fs20 Long-Term Annual Growth}\par
\pard {\cf1\fs20 Long-Term Annual Growth Rate Goals Excluding Capital Management Opportunities}\par
\pard {\cf1\fs20 Retail}\par
\pard {\cf1\fs20 Wealth and Investment Management}\par
\pard {\cf1\fs20 Commercial}\par
\pard {\cf1\fs20 Mortgage}\par
\pard {\cf1\fs20 Corporate and Investment Banking}\par
\pard {\cf1\fs20 Business Line}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991CPPT01.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 SunTrust Banks, Inc.}\par
\pard {\cf1\fs20 William R. Reed, Jr.}\par
\pard {\cf1\fs20 William R. Reed, Jr.}\par
\pard {\cf1\fs20 Vice Chairman}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991CPPT02.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Strength in Sales Leadership}\par
\pard {\cf1\fs20 Sales Leadership Team}\par
\pard {\cf1\fs20 Sales Leadership Team}\par
\pard {\cf1\fs20 Dennis Patterson}\par
\pard {\cf1\fs20 Director, Sales & Corporate Administration}\par
\pard {\cf1\fs20 36 years with SunTrust}\par
\pard {\cf1\fs20 Experience serving as head of Retail LOB and Marketing Director}\par
\pard {\cf1\fs20 Richard Furr}\par
\pard {\cf1\fs20 35 years in banking; Carolinas President & CEO}\par
\pard {\cf1\fs20 Formerly President, CCB; Chief Operating Officer, National Commerce Finance Corp}\par
\pard {\cf1\fs20 Jenner Wood}\par
\pard {\cf1\fs20 36 years with SunTrust; Central President & CEO}\par
\pard {\cf1\fs20 Experience in Commercial and Corporate banking, LOB manager for Trust and Investment Services}\par
\pard {\cf1\fs20 Tom Kuntz}\par
\pard {\cf1\fs20 28 years with SunTrust; Florida President & CEO}\par
\pard {\cf1\fs20 Experience serving as SVP International, National/Large Corporate, Institutional and Government Division}\par
\pard {\cf1\fs20 CT Hill}\par
\pard {\cf1\fs20 35 years with SunTrust; Mid-Atlantic President & CEO}\par
\pard {\cf1\fs20 Experience serving as Commercial Group Head and Senior Credit Officer}\par
\pard {\cf1\fs20 Strategic Approach}\par
\pard {\cf1\fs20 Strategic Approach}\par
\pard {\cf1\fs20 Building a world-class sales organization with industry leading results}\par
\pard {\cf1\fs20 Differentiated by truly exceptional service}\par
\pard {\cf1\fs20 Committed to retaining customers and building relationships}\par
\pard {\cf1\fs20 Championing consistent Excellence in Execution}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991CPPT03.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Reinforce our Unique Strategy, Operating Model and Geography Structure}\par
\pard {\cf1\fs20 Reinforce our Unique Strategy, Operating Model and Geography Structure}\par
\pard {\cf1\fs20 Discuss Business Mix, Earnings Drivers and Differences by Geography}\par
\pard {\cf1\fs20 SunTrust Sales Management: Overview}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991CPPT04.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Central}\par
\pard {\cf1\fs20 Central}\par
\pard {\cf1\fs20 Florida}\par
\pard {\cf1\fs20 Mid-Atlantic}\par
\pard {\cf1\fs20 4 Groups}\par
\pard {\cf1\fs20 20 Regions}\par
\pard {\cf1\fs20 Atlanta}\par
\pard {\cf1\fs20 Atlanta}\par
\pard {\cf1\fs20 Chattanooga}\par
\pard {\cf1\fs20 East Tennessee - Knoxville}\par
\pard {\cf1\fs20 Georgia \u8211? Savannah/South Georgia}\par
\pard {\cf1\fs20 Memphis}\par
\pard {\cf1\fs20 Nashville}\par
\pard {\cf1\fs20 Central - Orlando}\par
\pard {\cf1\fs20 South FL - Fort Lauderdale/Miami}\par
\pard {\cf1\fs20 Southwest FL - Ft Myers/Sarasota/Naples}\par
\pard {\cf1\fs20 North FL - Jacksonville/Pensacola}\par
\pard {\cf1\fs20 Tampa Bay}\par
\pard {\cf1\fs20 Central Virginia - Richmond}\par
\pard {\cf1\fs20 Maryland - Baltimore}\par
\pard {\cf1\fs20 Greater Washington}\par
\pard {\cf1\fs20 Western Virginia - Roanoke}\par
\pard {\cf1\fs20 Hampton Roads - Norfolk}\par
\pard {\cf1\fs20 Triangle- Raleigh/Durham, Wilmington}\par
\pard {\cf1\fs20 Mecklenburg \u8211? Asheville, Charlotte}\par
\pard {\cf1\fs20 South Carolina \u8211? Greenville, Charleston}\par
\pard {\cf1\fs20 Triad \u8211? Greensboro, Winston-Salem}\par
\pard {\cf1\fs20 1,332 Traditional branches}\par
\pard {\cf1\fs20 1,332 Traditional branches}\par
\pard {\cf1\fs20 345 In-store branches, including}\par
\pard {\cf1\fs20 94 Wal-Mart in-store branches}\par
\pard {\cf1\fs20 Geographic Organization Structure}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991CPPT05.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 1 Total Performance is pre-tax and includes indirect costs; excludes non-LOB overhead and unallocated Corporate expenses.}\par
\pard {\cf1\fs20 1 Total Performance is pre-tax and includes indirect costs; excludes non-LOB overhead and unallocated Corporate expenses.}\par
\pard {\cf1\fs20 W & IM}\par
\pard {\cf1\fs20 W & IM}\par
\pard {\cf1\fs20 REFG}\par
\pard {\cf1\fs20 I&G / Dealer}\par
\pard {\cf1\fs20 Diversified / Middle Market}\par
\pard {\cf1\fs20 Business Banking}\par
\pard {\cf1\fs20 \u226?\u8211?\u160? Retail LOB accounts for 61% of the Total Groups\u8217? Performance}\par
\pard {\cf1\fs20 \u226?\u8211?\u160? Retail LOB accounts for 61% of the Total Groups\u8217? Performance}\par
\pard {\cf1\fs20 \u226?\u8211?\u160? Commercial LOB represents 25% of the Total Groups\u8217? Performance}\par
\pard {\cf1\fs20 Total Performance: Business Line Composition (1Q 06 YTD)1}\par
\pard {\cf1\fs20 2}\par
\pard {\cf1\fs20 Business Mix}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991CPPT06.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 What Makes SunTrust Different?}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991CPPT07.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 How The Model Works}\par
\pard {\cf1\fs20 Each Region is led by a Regional President with a team that includes:}\par
\pard {\cf1\fs20 Each Region is led by a Regional President with a team that includes:}\par
\pard {\cf1\fs20 Regional Line of Business representatives for Retail, Commercial and W&IM}\par
\pard {\cf1\fs20 Leveraging our Best Talent\u226?\u8364?\u166?}\par
\pard {\cf1\fs20 Leveraging our Best Talent\u226?\u8364?\u166?}\par
\pard {\cf1\fs20 Market}\par
\pard {\cf1\fs20 Market}\par
\pard {\cf1\fs20 Group}\par
\pard {\cf1\fs20 Group}\par
\pard {\cf1\fs20 3 SunTrust}\par
\pard {\cf1\fs20 3 SunTrust}\par
\pard {\cf1\fs20 Region}\par
\pard {\cf1\fs20 Region}\par
\pard {\cf1\fs20 Reg.Retail}\par
\pard {\cf1\fs20 Reg.Retail}\par
\pard {\cf1\fs20 Region}\par
\pard {\cf1\fs20 Region}\par
\pard {\cf1\fs20 Credit}\par
\pard {\cf1\fs20 Group}\par
\pard {\cf1\fs20 Group}\par
\pard {\cf1\fs20 Group}\par
\pard {\cf1\fs20 Group}\par
\pard {\cf1\fs20 Group}\par
\pard {\cf1\fs20 Group}\par
\pard {\cf1\fs20 Region}\par
\pard {\cf1\fs20 Region}\par
\pard {\cf1\fs20 Group Mortgage LOB}\par
\pard {\cf1\fs20 Mortgage LOB}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991CPPT08.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Excellence in Execution}\par
\pard {\cf1\fs20 Executing business line initiatives, adopting new behaviors and aligning to our model}\par
\pard {\cf1\fs20 Executing business line initiatives, adopting new behaviors and aligning to our model}\par
\pard {\cf1\fs20 Breakthrough Results and Premium P/E}\par
\pard {\cf1\fs20 +}\par
\pard {\cf1\fs20 =}\par
\pard {\cf1\fs20 World class sales organization with industry leading results}\par
\pard {\cf1\fs20 World class sales organization with industry leading results}\par
\pard {\cf1\fs20 Differentiated by truly exceptional service}\par
\pard {\cf1\fs20 Strong balance sheet and revenue growth}\par
\pard {\cf1\fs20 Strong balance sheet and revenue growth}\par
\pard {\cf1\fs20 Improved operating leverage}\par
\pard {\cf1\fs20 Higher EPS Growth}\par
\pard {\cf1\fs20 Sell, Serve and Sustain}\par
\pard {\cf1\fs20 Our Formula for Success}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991CPPT09.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Aiming to provide a seamless client experience, capture increased share of wallet, and more completely satisfy our clients}\par
\pard {\cf1\fs20 CIB}\par
\pard {\cf1\fs20 Wlth}\par
\pard {\cf1\fs20 Wlth}\par
\pard {\cf1\fs20 and}\par
\pard {\cf1\fs20 Invest.}\par
\pard {\cf1\fs20 Retail}\par
\pard {\cf1\fs20 Cmml}\par
\pard {\cf1\fs20 Mortgage}\par
\pard {\cf1\fs20 SunTrust}\par
\pard {\cf1\fs20 SunTrust}\par
\pard {\cf1\fs20 360o Perspective}\par
\pard {\cf1\fs20 360o Perspective}\par
\pard {\cf1\fs20 of}\par
\pard {\cf1\fs20 Client Needs}\par
\pard {\cf1\fs20 New needs assessment tools}\par
\pard {\cf1\fs20 Goals and tracking of needs assessments completed}\par
\pard {\cf1\fs20 360o Delivery of SunTrust Capabilities}\par
\pard {\cf1\fs20 360o Delivery of SunTrust Capabilities}\par
\pard {\cf1\fs20 Cross-LOB referral goals}\par
\pard {\cf1\fs20 Referrals tracked on each LOB\u8217?s monthly scorecard}\par
\pard {\cf1\fs20 360\u217?\u8217? Relationship Focus}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991CPPT10.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Relentless focus on S3 + E2 \u8211? Selling, Serving & Sustaining relationships with Excellence in Execution}\par
\pard {\cf1\fs20 Relentless focus on S3 + E2 \u8211? Selling, Serving & Sustaining relationships with Excellence in Execution}\par
\pard {\cf1\fs20 Consistent sales and service culture with intense leadership}\par
\pard {\cf1\fs20 Sales Management Model}\par
\pard {\cf1\fs20 Training}\par
\pard {\cf1\fs20 S-T-R-E-T-C-H}\par
\pard {\cf1\fs20 S-T-R-E-T-C-H}\par
\pard {\cf1\fs20 Goals}\par
\pard {\cf1\fs20 S3 Reports}\par
\pard {\cf1\fs20 Commitments}\par
\pard {\cf1\fs20 Commitments}\par
\pard {\cf1\fs20 Scorecards}\par
\pard {\cf1\fs20 Incentive Plans}\par
\pard {\cf1\fs20 Recognition}\par
\pard {\cf1\fs20 Disciplined
Sales Meeting and Coaching Process}\par
\pard {\cf1\fs20 Talent Alignment and Management}\par
\pard {\cf1\fs20 Retail}\par
\pard {\cf1\fs20 Retail}\par
\pard {\cf1\fs20 Commercial}\par
\pard {\cf1\fs20 Commercial}\par
\pard {\cf1\fs20 Wealth and}\par
\pard {\cf1\fs20 Wealth and}\par
\pard {\cf1\fs20 Investment}\par
\pard {\cf1\fs20 Management}\par
\pard {\cf1\fs20 CIB}\par
\pard {\cf1\fs20 CIB}\par
\pard {\cf1\fs20 Mortgage}\par
\pard {\cf1\fs20 Mortgage}\par
\pard {\cf1\fs20 World Class Sales Organization: Great Progress}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991CPPT11.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Key Support Elements: In Action}\par
\pard {\cf1\fs20 Structure}\par
\pard {\cf1\fs20 Tools}\par
\pard {\cf1\fs20 Processes}\par
\pard {\cf1\fs20 Weekly executive meetings of business line Heads, Group Heads and Function managers to coordinate strategy, priorities and issue resolution}\par
\pard {\cf1\fs20 Weekly executive meetings of business line Heads, Group Heads and Function managers to coordinate strategy, priorities and issue resolution}\par
\pard {\cf1\fs20 Weekly business line meetings with field directors to cascade focus and increase momentum. Intense inspection with a focus on performance quintiling, \u8220?A\u8221? player retention and consequence management}\par
\pard {\cf1\fs20 Monthly S3 + E2 Updates to Senior Management focused on service quality, retention, operating leverage, productivity & pricing accountability}\par
\pard {\cf1\fs20 Regional Presidents and peer business unit representatives report solid-line to geographic Group Heads, reinforcing local decision-making and execution. Business unit representatives also report dotted-line to line of business executive management for coordination and direction}\par
\pard {\cf1\fs20 Regional Presidents and peer business unit representatives report solid-line to geographic Group Heads, reinforcing local decision-making and execution. Business unit representatives also report dotted-line to line of business executive management for coordination and direction}\par
\pard {\cf1\fs20 Minimum standards set for sales production}\par
\pard {\cf1\fs20 FinAP customer profiling, strategic reviews, relationship planning, financial planning standardized across all lines of business}\par
\pard {\cf1\fs20 FinAP customer profiling, strategic reviews, relationship planning, financial planning standardized across all lines of business}\par
\pard {\cf1\fs20 Cross-LOB Sales Leaderboards and Scorecards revised to include focus on net interest revenue, margins and yields\u8212?\u8220?sales at the right price\u8221?}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991CPPT12.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Staff Engagement}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991CPPT13.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Cross-LOB Sales and Referrals Driving Revenue Growth}\par
\pard {\cf1\fs20 1 SunTrust legacy only vs December YTD last year.}\par
\pard {\cf1\fs20 1 SunTrust legacy only vs December YTD last year.}\par
\pard {\cf1\fs20 CIB}\par
\pard {\cf1\fs20 Wlth}\par
\pard {\cf1\fs20 Wlth}\par
\pard {\cf1\fs20 and}\par
\pard {\cf1\fs20 Invest.}\par
\pard {\cf1\fs20 Retail}\par
\pard {\cf1\fs20 Cmml}\par
\pard {\cf1\fs20 Mortgage}\par
\pard {\cf1\fs20 SunTrust}\par
\pard {\cf1\fs20 SunTrust}\par
\pard {\cf1\fs20 2005 Highlights}\par
\pard {\cf1\fs20 360o Delivery of SunTrust Capabilities}\par
\pard {\cf1\fs20 360o Perspective of Client Needs}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991CPPT14.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Loan Spread Improvement}\par
\pard {\cf1\fs20 Loan spreads improved with the addition of the NCF loan portfolio and due to increased focus on spread improvement}\par
\pard {\cf1\fs20 COMMERCIAL LOB-GROUPS: TOTAL LOAN PORTFOLIO IMPROVEMENTS}\par
\pard {\cf1\fs20 Dec YTD 2004 \u8211? Dec YTD 2005}\par
\pard {\cf1\fs20 12 bps}\par
\pard {\cf1\fs20 Spreads (%)}\par
\pard {\cf1\fs20 2004}\par
\pard {\cf1\fs20 2005}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991CPPT15.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 {\*\bkmkstart FIS_UNIDENTIFIED_TABLE_3}{\*\bkmkend FIS_UNIDENTIFIED_TABLE_3}\par
\pard \sb225 {\cf1\fs20 Sales and Service Results}\par
\pard {\cf1\fs20 Key Improvements 1Q 2005 to 1Q 2006}\par
\pard {\cf1\fs20 Key Improvements 1Q 2005 to 1Q 2006}\par
\pard {\cf1\fs20 Central}\par
\pard {\cf1\fs20 Retail deposit $ production up 54%}\par
\pard {\cf1\fs20 Retail total $ business loan production up 18%}\par
\pard {\cf1\fs20 Retail mortgage $ referrals up 25%}\par
\pard {\cf1\fs20 Wealth & Investment Management Investment Services recurring revenue up 34%}{\*\bkmkstart FIS_UNIDENTIFIED_TABLE_4}{\*\bkmkend FIS_UNIDENTIFIED_TABLE_4}\par
\pard {\cf1\fs20 Florida}\par
\pard {\cf1\fs20 Retail consumer deposit $ production up 39%}\par
\pard {\cf1\fs20 Retail business deposit $ production up 26%}\par
\pard {\cf1\fs20 Commercial average $ deposit balances up 6%}\par
\pard {\cf1\fs20 Wealth & Investment Management average loan balances up 13%}\par
\pard {\cf1\fs20 Wealth & Investment Management average $ deposit balances up 8%}{\*\bkmkstart FIS_UNIDENTIFIED_TABLE_5}{\*\bkmkend FIS_UNIDENTIFIED_TABLE_5}\par
\pard {\cf1\fs20 Mid-Atlantic}\par
\pard {\cf1\fs20 Retail deposit $ production up 27%}\par
\pard {\cf1\fs20 Retail total $ business loan production up 20%}\par
\pard {\cf1\fs20 Commercial average loan balances up 7%}\par
\pard {\cf1\fs20 Mortgage $ applications up 30%}\par
\pard {\cf1\fs20 Carolinas}\par
\pard {\cf1\fs20 Retail business $ deposit production up 66%}\par
\pard {\cf1\fs20 Retail mortgage referrals up 116%}\par
\pard {\cf1\fs20 Commercial Capital Markets gross $ sales up 91%}\par
\pard {\cf1\fs20 Wealth & Investment Management Investment Services recurring revenue up 30%}\par
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\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991CPPT16.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Key Growth Results}\par
\pard {\cf1\fs20 1 Includes Regions with insignificant NCF impact: Five Florida Regions, GWR, Central VA, Hampton Roads and Maryland Regions.}\par
\pard {\cf1\fs20 1 Includes Regions with insignificant NCF impact: Five Florida Regions, GWR, Central VA, Hampton Roads and Maryland Regions.}\par
\pard {\cf1\fs20 2 Includes Memphis and Carolina Regions: South Carolina, Mecklenburg, Triad and Triangle; balances as of May 3, 2006.}\par
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\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991CPPT17.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 There are currently 25 sales categories included in the quintiling/quartiling process}\par
\pard {\cf1\fs20 The sales productivity review process has been in place for most sales categories for over 2 years}\par
\pard {\cf1\fs20 The sales productivity review process has been in place for most sales categories for over 2 years}\par
\pard {\cf1\fs20 Minimum performance standards (MPS) have been established and communicated for 17 of the 25 sales categories and are under development for the remainder}\par
\pard {\cf1\fs20 Salesforce Productivity Management}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991CPPT18.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Sales Productivity Improvement Example}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991CPPT19.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Service Quality: High Priority}\par
\pard {\cf1\fs20 Our commissioned research indicates over 96% of Retail branch customers experienced good service from account representatives and tellers}\par
\pard {\cf1\fs20 Our commissioned research indicates over 96% of Retail branch customers experienced good service from account representatives and tellers}\par
\pard {\cf1\fs20 92% of Business Banking loan clients were very or extremely satisfied with their new loan experience in our survey\u8217?s responses}\par
\pard {\cf1\fs20 Commercial RMs ranked #1 for service quality based on a survey conducted by a leading independent provider of syndicated market research to the commercial banking industry1}\par
\pard {\cf1\fs20 SunTrust Mortgage rated #1 in overall satisfaction in J.D. Power and Associates\u8217? 2005 Primary Mortgage Servicer Study}\par
\pard {\cf1\fs20 SunTrust Online (\u8220?STOLI\u8221?) Sales and Service ranked #1 in industry}\par
\pard {\cf1\fs20 Consumer Lending #1 in turnaround time}\par
\pard {\cf1\fs20 SunTrust Service Quality Recognition}\par
\pard {\cf1\fs20 1 2004 research results.}\par
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\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991CPPT20.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Observations In My First Year}\par
\pard {\cf1\fs20 Talented People}\par
\pard {\cf1\fs20 Talented People}\par
\pard {\cf1\fs20 Great Leadership}\par
\pard {\cf1\fs20 Excellent Management Team}\par
\pard {\cf1\fs20 Effective Model}\par
\pard {\cf1\fs20 Ideal Footprint}\par
\pard {\cf1\fs20 Outstanding NCF Conversion}\par
\pard {\cf1\fs20 Outstanding Group Results}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991CPPT21.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Opportunities For Continued Improvement1}\par
\pard {\cf1\fs20 Even greater focus on and investment in Core Client Segments - - retail, core commercial, smaller/medium-sized companies, mortgage business, real estate business, personal wealth management}\par
\pard {\cf1\fs20 Even greater focus on and investment in Core Client Segments - - retail, core commercial, smaller/medium-sized companies, mortgage business, real estate business, personal wealth management}\par
\pard {\cf1\fs20 Continue Relentless Focus on S3 + E2 and 360\u203?\u353? Cross-sell Initiatives}\par
\pard {\cf1\fs20 Enhanced focus on the client experience throughout SunTrust}\par
\pard {\cf1\fs20 Continued improvement in Spreads and Margins consistently across lines of business and geographies while also improving Productivity and Operating Leverage}\par
\pard {\cf1\fs20 Raise Accountability for Talent Development, Management and Succession}\par
\pard {\cf1\fs20 Growing the new Carolinas and Memphis Regions}\par
\pard {\cf1\fs20 1 Actual results could differ materially from those contained in or implied by such statements. Please see slide 1 for a list of important factors that could cause actual results to differ.}\par
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\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991CPPT22.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 SunTrust Banks, Inc.}\par
\pard {\cf1\fs20 William R. Reed, Jr.}\par
\pard {\cf1\fs20 William R. Reed, Jr.}\par
\pard {\cf1\fs20 Vice Chairman}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991DPPT01.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 SunTrust Retail Banking Line of Business}\par
\pard {\cf1\fs20 C. Eugene Kirby}\par
\pard {\cf1\fs20 C. Eugene Kirby}\par
\pard {\cf1\fs20 Corporate Executive Vice President}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991DPPT02.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Maintaining The Growth Momentum}\par
\pard {\cf1\fs20 Retail strategies work towards providing the appropriate products and services for our clients to manage total banking needs -- quickly, accurately and securely}\par
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\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991DPPT03.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Optimizing Retail Delivery Channels}\par
\pard {\cf1\fs20 Key Retail Strategies}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991DPPT04.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Investing In Our Delivery Channels}\par
\pard {\cf1\fs20 New traditional and in-store branches}\par
\pard {\cf1\fs20 New traditional and in-store branches}\par
\pard {\cf1\fs20 Branch renovations}\par
\pard {\cf1\fs20 Redesigned, easier to navigate SunTrust.com}\par
\pard {\cf1\fs20 SunTrust Online banking customization}\par
\pard {\cf1\fs20 Enhanced ATMs}\par
\pard {\cf1\fs20 Improved call center capabilities}\par
\pard {\cf1\fs20 Planned upgrades to teller system and platform}\par
\pard {\cf1\fs20 SunTrust strives to improve client convenience and expand acquisition opportunities across all channels}\par
\pard {\cf1\fs20 SunTrust emphasizes the enhancement of our branch network, closing underperformers and redeploying assets to high opportunity growth markets}\par
\pard {\cf1\fs20 SunTrust emphasizes the enhancement of our branch network, closing underperformers and redeploying assets to high opportunity growth markets}\par
\pard {\cf1\fs20 A highly analytical process towards new branches includes:}\par
\pard {\cf1\fs20 Stack ranking opportunities across the footprint}\par
\pard {\cf1\fs20 New Branches Opened}\par
\pard {\cf1\fs20 2006 Planned Openings1}\par
\pard {\cf1\fs20 1Actual results could differ materially from those contained in or implied by such statements. A list of important factors that could affect actual results are listed on slide 1.}\par
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\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991DPPT05.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Building In Our Attractive Footprint}\par
\pard {\cf1\fs20 SunTrust recognizes our high growth footprint and we are building branches in key areas}\par
\pard {\cf1\fs20 Source: SNL, 03/31/06.}\par
\pard {\cf1\fs20 We have added more new branches in the footprint than competition}\par
\pard {\cf1\fs20 New Branch Activity in the SunTrust Footprint}\par
\pard {\cf1\fs20 New Branch Activity in the SunTrust Footprint}\par
\pard {\cf1\fs20 The building of new branches since 2003 have been strategically located in high growth areas}\par
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\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991DPPT06.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 The branch mix has shifted toward in-store growth as a complement to the large traditional network}\par
\pard {\cf1\fs20 Recognizing Benefits With In-Store Banking}\par
\pard {\cf1\fs20 SunTrust is a major in-store player with more than 20% of branches as in-store locations}\par
\pard {\cf1\fs20 We are aggressively targeting the in-store channel as a key strategy to:}\par
\pard {\cf1\fs20 We are aggressively targeting the in-store channel as a key strategy to:}\par
\pard {\cf1\fs20 Reduce capital expenditures and operating costs}\par
\pard {\cf1\fs20 The cost to construct an in-store is 1/7th the cost of a traditional branch}\par
\pard {\cf1\fs20 Operating costs run at 60% the expense of a traditional branch}\par
\pard {\cf1\fs20 Break even in less than 2 years}\par
\pard {\cf1\fs20 Increase deposits}\par
\pard {\cf1\fs20 Additional client prospects}\par
\pard {\cf1\fs20 More rapidly expand the network}\par
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\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991DPPT07.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Hub and spoke branching provides organic growth and extended reach at the lowest relative cost}\par
\pard {\cf1\fs20 Optimizing The Branch Network}\par
\pard {\cf1\fs20 Hub and Spoke}\par
\pard {\cf1\fs20 Traditional Branch}\par
\pard {\cf1\fs20 In-store Branch}\par
\pard {\cf1\fs20 In-store Branch}\par
\pard {\cf1\fs20 In-store Branch}\par
\pard {\cf1\fs20 A healthy mix of new and established traditional and in-store branches develops a cost advantageous hub and spoke strategy to capture new households, service existing clients with increased accessibility, and grow deposits}\par
\pard {\cf1\fs20 A healthy mix of new and established traditional and in-store branches develops a cost advantageous hub and spoke strategy to capture new households, service existing clients with increased accessibility, and grow deposits}\par
\pard {\cf1\fs20 We are approaching in-stores differently to maximize deposits and household growth at a faster rate\u226?\u8364?\u166?}\par
\pard {\cf1\fs20 Increased Marketing and Grand Openings}\par
\pard {\cf1\fs20 Promotions and specific in-store pricing}\par
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\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991DPPT08.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Investing in new in-store and traditional branches results in household growth}\par
\pard {\cf1\fs20 New Branches Create Household Growth}\par
\pard {\cf1\fs20 New branches opened since 2003 represent only 9% of our branch network, yet contribute 21% of our net new checking households}\par
\pard {\cf1\fs20 New branches opened since 2003 represent only 9% of our branch network, yet contribute 21% of our net new checking households}\par
\pard {\cf1\fs20 Our average owned deposits per in-store branch increased 9% over Q1 2005}\par
\pard {\cf1\fs20 Net New Checking Households}\par
\pard {\cf1\fs20 Net New Checking Households}\par
\pard {\cf1\fs20 Average Owned Deposits per SunTrust In-Store Branch}\par
\pard {\cf1\fs20 9%}\par
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\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991DPPT09.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Expanding With De Novo Hub And Spoke}\par
\pard {\cf1\fs20 Retail is leveraging a mix of in-store branches with traditional branches in Charleston, SC}\par
\pard {\cf1\fs20 The 2006 new branch pipeline includes the de novo market entrance into Charleston with plans to open 16 branches by 20081}\par
\pard {\cf1\fs20 The 2006 new branch pipeline includes the de novo market entrance into Charleston with plans to open 16 branches by 20081}\par
\pard {\cf1\fs20 Six branches opened in April 2006, using the hub and spoke strategy}\par
\pard {\cf1\fs20 2 traditional branches}\par
\pard {\cf1\fs20 4 BI-LO in-store branches}\par
\pard {\cf1\fs20 Future branches will fill-in gaps}\par
\pard {\cf1\fs20 Adding the retail presence to Charleston displays our expansion strategy of targeting high growth locations with full service banking offerings including:}\par
\pard {\cf1\fs20 Personal Bankers}\par
\pard {\cf1\fs20 Wealth Managers}\par
\pard {\cf1\fs20 Retirement Strategists}\par
\pard {\cf1\fs20 Retirement Strategists}\par
\pard {\cf1\fs20 Commercial Bankers}\par
\pard {\cf1\fs20 1Actual results could differ materially from those contained in or implied by such statements. A list of important factors that could affect actual results are listed on slide 1.}\par
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\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991DPPT10.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Expanding Into New Locations}\par
\pard {\cf1\fs20 Initial results from Charleston demonstrate the success of having a quick time-to-market using a blend of traditional and in-store locations}\par
\pard {\cf1\fs20 Initial results from Charleston demonstrate the success of having a quick time-to-market using a blend of traditional and in-store locations}\par
\pard {\cf1\fs20 Strong deposits}\par
\pard {\cf1\fs20 Solid loans}\par
\pard {\cf1\fs20 Rapid growth in personal and business deposit account openings}\par
\pard {\cf1\fs20 Key factors in the successful results include:}\par
\pard {\cf1\fs20 Supportive advertising to generate awareness}\par
\pard {\cf1\fs20 Hiring local talent with a network base}\par
\pard {\cf1\fs20 Having an established mortgage presence in place}\par
\pard {\cf1\fs20 Pricing with market leading rates}\par
\pard {\cf1\fs20 The successes of the Charleston de novo entrance will help guide future de novo market entrances}\par
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\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Realizing Opportunities in Business Banking}\par
\pard {\cf1\fs20 Key Retail Strategies}\par
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\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991DPPT12.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Business Banking is key to future growth with higher spreads and greater profitability}\par
\pard {\cf1\fs20 SunTrust Business Banking is a significant contributor:}\par
\pard {\cf1\fs20 SunTrust Business Banking is a significant contributor:}\par
\pard {\cf1\fs20 Represents more than 20% of total Retail Revenue}\par
\pard {\cf1\fs20 SunTrust ranks 3rd in Business Banking market share in our footprint, according to a 2005 independent research study}\par
\pard {\cf1\fs20 With business clients, SunTrust makes more than 3.5 times the annual household profit of a consumer client}\par
\pard {\cf1\fs20 Investing In Business Banking}\par
\pard {\cf1\fs20 Contribution to Retail Revenue 1Q 2006}\par
\pard {\cf1\fs20 >20%}\par
\pard {\cf1\fs20 Business Banking still has many opportunities for growth:}\par
\pard {\cf1\fs20 Business Banking still has many opportunities for growth:}\par
\pard {\cf1\fs20 Business banking clients are served through all channels with dedicated staff including relationship managers, online and call center support}\par
\pard {\cf1\fs20 More than 2 million business relationship opportunities exist in our high growth footprint}\par
\pard {\cf1\fs20 Business Banking has the highest average loan spread across all LOBs at SunTrust and the second highest average deposit spread at SunTrust}\par
\pard {\cf1\fs20 Annual Household Profit Per Client 1Q 2006}\par
\pard {\cf1\fs20 267%}\par
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\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991DPPT13.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Enhancing The Business Banking Experience}\par
\pard {\cf1\fs20 We are creating a highly accessible environment for our business clients}\par
\pard {\cf1\fs20 Expanding online functionality and call center support for business clients}\par
\pard {\cf1\fs20 Expanding online functionality and call center support for business clients}\par
\pard {\cf1\fs20 Increasing exposure with additional business bankers and an in-store partnership}\par
\pard {\cf1\fs20 Building advisory capabilities by certifying branch managers and refining the relationship model}\par
\pard {\cf1\fs20 Online Cash Manager helps business clients use the Internet to bank from any location}\par
\pard {\cf1\fs20 Online Cash Manager helps business clients use the Internet to bank from any location}\par
\pard {\cf1\fs20 Popular product for business clients - growth exceeded expectations from the April 2005 inception predictions}\par
\pard {\cf1\fs20 Revenues continue to grow with client growth}\par
\pard {\cf1\fs20 372%}\par
\pard {\cf1\fs20 Online Cash Manager Client Volume}\par
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\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991DPPT14.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Catering To The Business Client}\par
\pard {\cf1\fs20 1Note: 2005 1Q account data does not include legacy NCF.}\par
\pard {\cf1\fs20 A new business checking line-up including free business checking and enhanced Select Business Checking has resulted in:}\par
\pard {\cf1\fs20 A new business checking line-up including free business checking and enhanced Select Business Checking has resulted in:}\par
\pard {\cf1\fs20 Net new DDA/NOW account growth of 52%1 in 1Q 2006 over 1Q 2005}\par
\pard {\cf1\fs20 2006 launch of the new Premium Business Interest Account rewards select accounts}\par
\pard {\cf1\fs20 Business product introductions, including the Fast Access Small Business Line of Credit, have increased business loan production significantly over 1Q 2005}\par
\pard {\cf1\fs20 Promotion of Commercial Mortgages increased awareness and helped drive growth of 51%}\par
\pard {\cf1\fs20 Enhancing exclusive products to meet the needs and preferences of business clients helps develop relationships}\par
\pard {\cf1\fs20 Business Banking Line of Credit Production}\par
\pard {\cf1\fs20 Business Banking Line of Credit Production}\par
\pard {\cf1\fs20 64%}\par
\pard {\cf1\fs20 Business Banking Commercial Mortgage Production}\par
\pard {\cf1\fs20 Business Banking Commercial Mortgage Production}\par
\pard {\cf1\fs20 51%}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991DPPT15.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Maximizing the Growth in Consumer Lending}\par
\pard {\cf1\fs20 Key Retail Strategies}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991DPPT16.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Strong portfolio growth of 24% in 1Q 2006 was driven by 65% growth in Equity Loans and 16% growth in Equity Lines over 1Q 2005}\par
\pard {\cf1\fs20 Strong portfolio growth of 24% in 1Q 2006 was driven by 65% growth in Equity Loans and 16% growth in Equity Lines over 1Q 2005}\par
\pard {\cf1\fs20 Consumer Lending products cater to clients with multiple financing needs}\par
\pard {\cf1\fs20 Enhanced Access 3}\par
\pard {\cf1\fs20 Expanding Consumer Lending}\par
\pard {\cf1\fs20 We are enhancing our lending suite with new products to increase consumer lending sales}\par
\pard {\cf1\fs20 Retail Home Equity Average Balance}\par
\pard {\cf1\fs20 Retail Home Equity Average Balance}\par
\pard {\cf1\fs20 24%}\par
\pard {\cf1\fs20 Future enhancements include longer terms on the fixed rate portion of Access 3 (HELOC) and transaction level pricing}\par
\pard {\cf1\fs20 Future enhancements include longer terms on the fixed rate portion of Access 3 (HELOC) and transaction level pricing}\par
\pard {\cf1\fs20 We are expanding our automated decisioning system to increase our decisioning speed and reduce processing costs}\par
\pard {\cf1\fs20 We are pursuing opportunities to leverage the wholesale channel in select markets outside the SunTrust footprint to capture incremental growth}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991DPPT17.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Technology and process improvements have helped:}\par
\pard {\cf1\fs20 Technology and process improvements have helped:}\par
\pard {\cf1\fs20 Increase sales production}\par
\pard {\cf1\fs20 Speed up delivery times}\par
\pard {\cf1\fs20 Reduce headcount}\par
\pard {\cf1\fs20 We quickly respond to lending requests:}\par
\pard {\cf1\fs20 We have re-engineered back office processes for a more efficient delivery of equity products}\par
\pard {\cf1\fs20 Streamlining Consumer Lending}\par
\pard {\cf1\fs20 Consumer Lending Portfolio}\par
\pard {\cf1\fs20 Investing in technology, automation and vendor management helps to minimize costs and grow sales while refining an efficient lending service}\par
\pard {\cf1\fs20 Investing in technology, automation and vendor management helps to minimize costs and grow sales while refining an efficient lending service}\par
\pard {\cf1\fs20 Since 2003, we have realized a significant cost reduction, lowering average cost per unit 46%}\par
\pard {\cf1\fs20 Cost per Lending Transaction}\par
\pard {\cf1\fs20 46%}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991DPPT18.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 We recognize the value of expanding client relationships internally using cross-LOB referrals}\par
\pard {\cf1\fs20 Historically, the branch delivery channel was the main source for equity line sales, however we are partnering with SunTrust Mortgage to drive additional growth and maximize equity production through that channel}\par
\pard {\cf1\fs20 Historically, the branch delivery channel was the main source for equity line sales, however we are partnering with SunTrust Mortgage to drive additional growth and maximize equity production through that channel}\par
\pard {\cf1\fs20 Ramping up home equity sales through the mortgage cross-sell team, mortgage loan officers and third party relationships}\par
\pard {\cf1\fs20 Referrals from within SunTrust are expected to be a key driver for future growth in Mortgage and Consumer Lending}\par
\pard {\cf1\fs20 56% of new equity lines were originated through the branch channel, 13% through the Mortgage channel, 9% through Wholesale, 8% through W&IM, 2% though Business Banking, and 12% through the Call Center/Internet in 1Q 2006}\par
\pard {\cf1\fs20 Lending to SunTrust Clients \u8211? the 360o Approach}\par
\pard {\cf1\fs20 Mortgage Referrals from Retail}\par
\pard {\cf1\fs20 Mortgage Referrals from Retail}\par
\pard {\cf1\fs20 (in millions)}\par
\pard {\cf1\fs20 42%}\par
\pard {\cf1\fs20 Home Equity Referrals from Mortgage}\par
\pard {\cf1\fs20 Home Equity Referrals from Mortgage}\par
\pard {\cf1\fs20 (in millions)}\par
\pard {\cf1\fs20 55%}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991DPPT19.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Aligning Incentives with Retail and Corporate Objectives}\par
\pard {\cf1\fs20 Key Retail Strategies}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991DPPT20.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Providing Incentives To Leaders}\par
\pard {\cf1\fs20 We reward for excellent sales, service and for the execution of our operating models}\par
\pard {\cf1\fs20 Area and Branch Management}\par
\pard {\cf1\fs20 Financial Services Representative}\par
\pard {\cf1\fs20 Teller}\par
\pard {\cf1\fs20 Reward managers for overall effective branch management including the achievement and growth of sales, service, deposit, loan and client goals}\par
\pard {\cf1\fs20 Reward the efforts of the sales staff for direct sales and referrals, and in aiding in the attainment of the branch goal}\par
\pard {\cf1\fs20 Reward for individual excellence in the speed and accuracy in transactions, and compensate for client referrals through a team- based award tied to branch goal attainment}\par
\pard {\cf1\fs20 Group and Regional Retail LOB Management}\par
\pard {\cf1\fs20 Reward management for LOB\u8217?s financial performance and the company\u8217?s attainment of financial targets}\par
\pard {\cf1\fs20 Incentive plans were designed to support the achievement of overall Retail banking objectives and financial goals by focusing on individual sales production, overall branch performance, household and balance sheet growth and excellence in delivery}\par
\pard {\cf1\fs20 Incentive plans were designed to support the achievement of overall Retail banking objectives and financial goals by focusing on individual sales production, overall branch performance, household and balance sheet growth and excellence in delivery}\par
\pard {\cf1\fs20 Updates on production and referral measures for branch and individuals are provided daily}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_PAGE85.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Retail 9% to 11% Long-Term Annual Net Income Growth Goal1}\par
\pard {\cf1\fs20 Using our strategies and managing clients\u8217? total banking needs, our goal is to grow net income by more than 9% annually1}\par
\pard {\cf1\fs20 Working together to meet all the banking needs of all our clients}\par
\pard {\cf1\fs20 Business Banking}\par
\pard {\cf1\fs20 1Actual results could differ materially from those contained in or implied by such statements. A list of important factors that could affect actual results are listed on slide 1.}\par
\pard {\cf1\fs20 Working Together To Grow The Business}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991DPPT22.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Key Takeaways}\par
\pard {\cf1\fs20 SunTrust Retail is strategizing to increase deposits, loans, revenues and profits by:}\par
\pard {\cf1\fs20 SunTrust Retail is strategizing to increase deposits, loans, revenues and profits by:}\par
\pard {\cf1\fs20 Recognizing our high growth footprint as a key resource}\par
\pard {\cf1\fs20 Selling more broadly and deeply into our large household base}\par
\pard {\cf1\fs20 Optimizing our delivery channels to grow households and create a highly accessible and convenient environment}\par
\pard {\cf1\fs20 Investing in product development, offering a competitive suite of products and researching our competition}\par
\pard {\cf1\fs20 Recognizing the sizable opportunity that Business Banking represents and capitalizing on this prospect by offering exclusive products to meet the needs of our business banking clients}\par
\pard {\cf1\fs20 Maximizing the growth in Consumer Lending by leveraging channels, developing products and utilizing cross-sell activities}\par
\pard {\cf1\fs20 Rewarding our team members by aligning incentive compensation with Retail and corporate objectives}\par
\pard {\cf1\fs20 We are working together to meet the total banking needs of all SunTrust clients}\par
\pard {\cf1\fs20 1Actual results could differ materially from those contained in or implied by such statements. A list of important factors that could affect actual results are listed on slide 1.}\par
\pard {\cf1\fs20 1Actual results could differ materially from those contained in or implied by such statements. A list of important factors that could affect actual results are listed on slide 1.}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991DPPT23.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 SunTrust Retail Banking Line of Business}\par
\pard {\cf1\fs20 C. Eugene Kirby}\par
\pard {\cf1\fs20 C. Eugene Kirby}\par
\pard {\cf1\fs20 Corporate Executive Vice President}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991EPPT01.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 SunTrust Wealth and Investment Management Line of Business}\par
\pard {\cf1\fs20 William H. Rogers, Jr.}\par
\pard {\cf1\fs20 William H. Rogers, Jr.}\par
\pard {\cf1\fs20 Corporate Executive Vice President}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991EPPT02.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Institutional Investment Management}\par
\pard {\cf1\fs20 Institutional Investment Management}\par
\pard {\cf1\fs20 Our Composition}\par
\pard {\cf1\fs20 Private Wealth Management}\par
\pard {\cf1\fs20 Private Wealth Management}\par
\pard {\cf1\fs20 Wealth and Investment Management}\par
\pard {\cf1\fs20 Retirement Services}\par
\pard {\cf1\fs20 Endowment & Foundation}\par
\pard {\cf1\fs20 Corporate Trust}\par
\pard {\cf1\fs20 Private Wealth Management}\par
\pard {\cf1\fs20 SunTrust Investment Svcs}\par
\pard {\cf1\fs20 Sports & Entertainment}\par
\pard {\cf1\fs20 Personal Asset Management}\par
\pard {\cf1\fs20 International Wealth Management}\par
\pard {\cf1\fs20 Medical & Legal}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991EPPT03.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Wealth and Investment Management: Who We Are}\par
\pard {\cf1\fs20 Uniquely positioned to leverage investments made in our people, products and capabilities to achieve above market returns}\par
\pard {\cf1\fs20 Uniquely positioned to leverage investments made in our people, products and capabilities to achieve above market returns}\par
\pard {\cf1\fs20 Provider of integrated solutions, sound investment management and a broad offering of investment and administrative products and services}\par
\pard {\cf1\fs20 Financial planning and need identification is at the core of our strategy: Listen First}\par
\pard {\cf1\fs20 Our goal is to be recognized as the Trusted Advisor guiding individual and institutional clients in achieving their financial goals}\par
\pard {\cf1\fs20 Situated in the highest growth banking footprint, with exceptional wealth creation and management dynamics}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991EPPT04.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Focus On Private Wealth Management}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991EPPT05.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Building a Compelling
Private Wealth Management Business and Team Model}\par
\pard {\cf1\fs20 2000}\par
\pard {\cf1\fs20 2002}\par
\pard {\cf1\fs20 2005}\par
\pard {\cf1\fs20 2001}\par
\pard {\cf1\fs20 Implemented team-based Private Client Services operating model (PCA)}\par
\pard {\cf1\fs20 Implemented team-based Private Client Services operating model (PCA)}\par
\pard {\cf1\fs20 Ultra High Net Worth (UHNW) study reveals solid client base and low cost of new client acquisition. Acquire Family Office \u8211? AMA with brand relevant capabilities}\par
\pard {\cf1\fs20 Ultra High Net Worth (UHNW) study reveals solid client base and low cost of new client acquisition. Acquire Family Office \u8211? AMA with brand relevant capabilities}\par
\pard {\cf1\fs20 Acquired Lighthouse Partners, a hedge fund provider, in order to expand investment alternatives to meet client needs}\par
\pard {\cf1\fs20 Consolidated investment management unit under Personal Asset Management (PAM) while retaining local relationship focus. Enabled \u8220?best in class\u8221? investment platform}\par
\pard {\cf1\fs20 Consolidated Private Banking, representing over 52,000 households, $3B in Loans and $4B in Deposits, with Private Wealth Management and expanded team-based operating model}\par
\pard {\cf1\fs20 Consolidated Private Banking, representing over 52,000 households, $3B in Loans and $4B in Deposits, with Private Wealth Management and expanded team-based operating model}\par
\pard {\cf1\fs20 Leveraged existing specialty focus to develop a broader platform. Expanded successful Music & Motorsports to Sports & Entertainment and expanded Medical / Legal Specialty Group to major markets}\par
\pard {\cf1\fs20 Strong Trust Fiduciary and Estate Settlement capabilities coupled with Brokerage}\par
\pard {\cf1\fs20 Key acquisitions in Family-Office and hedge fund opportunities; Brokerage expansion}\par
\pard {\cf1\fs20 Further expand specialty disciplines, client capabilities and the team-based operating model}\par
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\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Private Wealth Management Capabilities}\par
\pard {\cf1\fs20 Personal Insurance}\par
\pard {\cf1\fs20 Life Insurance Products}\par
\pard {\cf1\fs20 Life Insurance Products}\par
\pard {\cf1\fs20 Wealth Transfer}\par
\pard {\cf1\fs20 Trust and Estate Administration}\par
\pard {\cf1\fs20 Revocable and Irrevocable Trusts}\par
\pard {\cf1\fs20 Revocable and Irrevocable Trusts}\par
\pard {\cf1\fs20 Estate Planning}\par
\pard {\cf1\fs20 Estate Settlement}\par
\pard {\cf1\fs20 Custodial Services}\par
\pard {\cf1\fs20 Delaware Trust Company}\par
\pard {\cf1\fs20 Investment Management}\par
\pard {\cf1\fs20 Portfolio Management for Equity}\par
\pard {\cf1\fs20 Portfolio Management for Equity}\par
\pard {\cf1\fs20 Fixed Income}\par
\pard {\cf1\fs20 Alternative Investments and Multi-Managers}\par
\pard {\cf1\fs20 Credit}\par
\pard {\cf1\fs20 Jumbo Mortgage}\par
\pard {\cf1\fs20 Jumbo Mortgage}\par
\pard {\cf1\fs20 Home Equity Line}\par
\pard {\cf1\fs20 Lines of Credit}\par
\pard {\cf1\fs20 Letters of Credit}\par
\pard {\cf1\fs20 Real Estate and Special Asset}\par
\pard {\cf1\fs20 Personal and Commercial Real Estate Property}\par
\pard {\cf1\fs20 Personal and Commercial Real Estate Property}\par
\pard {\cf1\fs20 Timber Management}\par
\pard {\cf1\fs20 Closely-Held Business Valuations}\par
\pard {\cf1\fs20 Financial Planning}\par
\pard {\cf1\fs20 Estate Tax Minimization}\par
\pard {\cf1\fs20 Estate Tax Minimization}\par
\pard {\cf1\fs20 Income Tax Strategies}\par
\pard {\cf1\fs20 Risk Management}\par
\pard {\cf1\fs20 Collars}\par
\pard {\cf1\fs20 Collars}\par
\pard {\cf1\fs20 Prepaid Forwards}\par
\pard {\cf1\fs20 Online Banking}\par
\pard {\cf1\fs20 Portfolio View}\par
\pard {\cf1\fs20 Portfolio View}\par
\pard {\cf1\fs20 Online Statements}\par
\pard {\cf1\fs20 Custom File Delivery}\par
\pard {\cf1\fs20 Strategic investments have enabled Private Wealth Management to provide a breadth of capabilities}\par
\pard {\cf1\fs20 Client}\par
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\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991EPPT07.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Client-Centered Team Model}\par
\pard {\cf1\fs20 Trust Advisor}\par
\pard {\cf1\fs20 Credit Advisor}\par
\pard {\cf1\fs20 Full-Svc. Broker}\par
\pard {\cf1\fs20 Financial Planning}\par
\pard {\cf1\fs20 Product Specialists}\par
\pard {\cf1\fs20 Philanthropic Specialists}\par
\pard {\cf1\fs20 Derivatives}\par
\pard {\cf1\fs20 Cap Markets}\par
\pard {\cf1\fs20 Insurance}\par
\pard {\cf1\fs20 Ret. Svcs. Spec.}\par
\pard {\cf1\fs20 Private Wealth Management\u8217?s client-centered team model was developed in order to establish the appropriate points of contact for multiple capabilities}\par
\pard {\cf1\fs20 Client}\par
\pard {\cf1\fs20 Client Advisor}\par
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\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Strategies for Client Acquisition and Retention}\par
\pard {\cf1\fs20 Private Wealth Management has developed strategies for addressing client needs at all levels of wealth}\par
\pard {\cf1\fs20 Investable Assets}\par
\pard {\cf1\fs20 $250K}\par
\pard {\cf1\fs20 $25MM}\par
\pard {\cf1\fs20 Investment Consultants}\par
\pard {\cf1\fs20 Private Financial Advisors}\par
\pard {\cf1\fs20 Personal Asset Management}\par
\pard {\cf1\fs20 Domestic Wealth Management}\par
\pard {\cf1\fs20 Private Wealth Advisors}\par
\pard {\cf1\fs20 Wealth Management Advisory Centers}\par
\pard {\cf1\fs20 International Wealth Management}\par
\pard {\cf1\fs20 Licensed Bankers}\par
\pard {\cf1\fs20 SunTrust Investment Services}\par
\pard {\cf1\fs20 Wealth Management Services}\par
\pard {\cf1\fs20 Asset Management}\par
\pard {\cf1\fs20 Asset Management}\par
\pard {\cf1\fs20 Sports & Entertainment}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991EPPT09.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Specializing in our Client}\par
\pard {\cf1\fs20 Wealth and Investment Management acquired Asset Management Advisors, a premier builder and operator of family offices for ultra high net worth families}\par
\pard {\cf1\fs20 Wealth and Investment Management acquired Asset Management Advisors, a premier builder and operator of family offices for ultra high net worth families}\par
\pard {\cf1\fs20 Multi-Family Offices grew AUM at 26% during 2004-2005 whereas AMA grew at close to 40% in this same time frame.}\par
\pard {\cf1\fs20 Relevance to our model is supported by success:}\par
\pard {\cf1\fs20 1,500%}\par
\pard {\cf1\fs20 15 Times}\par
\pard {\cf1\fs20 Asset Management Advisors (AMA) provides family office services for ultra high net worth clients within Private Wealth Management}\par
\pard {\cf1\fs20 30%}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991EPPT10.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Specializing in our Client}\par
\pard {\cf1\fs20 Dedicated specialty Private Wealth Management groups have been organized to unify support of targeted client segments}\par
\pard {\cf1\fs20 Sports & Entertainment}\par
\pard {\cf1\fs20 Sports & Entertainment}\par
\pard {\cf1\fs20 Press release on March 28th}\par
\pard {\cf1\fs20 Over the last two years, Sports & Entertainment total performance has grown at a compound annual growth rate of 45%}\par
\pard {\cf1\fs20 PricewaterhouseCoopers forecasts global entertainment and media industry to grow at 6.3% per year for 2003-08, reaching a value of $1.7 trillion by 2008}\par
\pard {\cf1\fs20 SunTrust currently serves:}\par
\pard {\cf1\fs20 18 Grammy winners}\par
\pard {\cf1\fs20 30 NASCAR Nextel Cup Drivers}\par
\pard {\cf1\fs20 Medical & Legal}\par
\pard {\cf1\fs20 Medical & Legal}\par
\pard {\cf1\fs20 Press release on May 16th}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991EPPT11.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Specialization as an Opportunity}\par
\pard {\cf1\fs20 The growth opportunity for the client segments served by AMA, Sports & Entertainment and the Medical & Legal specialty groups is tremendous}\par
\pard {\cf1\fs20 The U.S. High Net Worth (\u8220?HNW\u8221?) segments are growing rapidly at 15-20% annually}\par
\pard {\cf1\fs20 The U.S. High Net Worth (\u8220?HNW\u8221?) segments are growing rapidly at 15-20% annually}\par
\pard {\cf1\fs20 The U.S. Ultra High Net Worth (\u8220?UHNW\u8221?) market is large. Households control ~$15 trillion or nearly three fifths of total U.S. financial wealth}\par
\pard {\cf1\fs20 The U.S. Ultra High Net Worth (\u8220?UHNW\u8221?) market is large. Households control ~$15 trillion or nearly three fifths of total U.S. financial wealth}\par
\pard {\cf1\fs20 Source: McKinsey High Net Worth Investor Survey}\par
\pard {\cf1\fs20 There are over 4,000 potential high net worth individuals within 5 major sports* that have been identified}\par
\pard {\cf1\fs20 There are over 4,000 potential high net worth individuals within 5 major sports* that have been identified}\par
\pard {\cf1\fs20 Major League Baseball = 950 (30 teams with 25 man rosters plus 200 minor league)}\par
\pard {\cf1\fs20 National Basketball Association = 360 (30 teams with 12 man rosters)}\par
\pard {\cf1\fs20 National Football League = 1,760 (32 teams with 55 man rosters)}\par
\pard {\cf1\fs20 National Hockey League = 720 (30 teams with 24 man rosters)}\par
\pard {\cf1\fs20 *4,000 high net worth individuals refers to athletes from only 5 major sports. It does not include soccer, tennis, arena football, boxing, etc. This number also does not include managers, agents, attorneys, media personalities or other key players in the industry.}\par
\pard {\cf1\fs20 In 2004, about one-quarter of law firms were located in Southeast region, with a large presence in Florida}\par
\pard {\cf1\fs20 In 2004, about one-quarter of law firms were located in Southeast region, with a large presence in Florida}\par
\pard {\cf1\fs20 Small firms can compete by providing specialized expertise or operating in very local markets}\par
\pard {\cf1\fs20 Source: IBISWorld Industry Reports Oct. 2005 and First Research Industry Profiles}\par
\pard {\cf1\fs20 Southeast region had largest concentration of physician establishments in 2002 and largest number of employees}\par
\pard {\cf1\fs20 Key success factors include: loyal customer base and proximity to key markets/patients}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991EPPT12.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Leveraging the Franchise}\par
\pard {\cf1\fs20 1 Includes NCF.}\par
\pard {\cf1\fs20 1 Includes NCF.}\par
\pard {\cf1\fs20 Source: Claritas, Inc.: I-mark geo-demographic database.}\par
\pard {\cf1\fs20 Wealth and Investment Management made 28,000 referrals to Retail1 in 2005}\par
\pard {\cf1\fs20 Wealth and Investment Management made 28,000 referrals to Retail1 in 2005}\par
\pard {\cf1\fs20 Partnership established with Retail to support investment needs of branch clients. This partnership enabled 80,000 referrals to Wealth and Investment Management2 in 2005}\par
\pard {\cf1\fs20 Partnership established with Commercial to address Business Owner private wealth needs}\par
\pard {\cf1\fs20 SunTrust is located in the best footprint for continued growth and Private Wealth Management continues to leverage SunTrust to best meet client needs}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991EPPT13.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Retirement as an Opportunity}\par
\pard {\cf1\fs20 We continue to focus on client generation as well as further penetration of current clients}\par
\pard {\cf1\fs20 Capture internal and external IRA rollover by utilizing available resources in our Rollover Solution Center}\par
\pard {\cf1\fs20 Capture internal and external IRA rollover by utilizing available resources in our Rollover Solution Center}\par
\pard {\cf1\fs20 Build retirement into SunTrust@Work to broaden existing relationships and develop new worksite relationships}\par
\pard {\cf1\fs20 Create a delivery model to effectively serve business owners\u8217? succession and retirement needs}\par
\pard {\cf1\fs20 Integrate retirement into advisors\u8217? existing planning tools}\par
\pard {\cf1\fs20 Focus on employee education in order to drive asset acquisition}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991EPPT14.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Private Wealth Management: 2006 in Review}\par
\pard {\cf1\fs20 Select Recent Highlights:}\par
\pard {\cf1\fs20 Select Recent Highlights:}\par
\pard {\cf1\fs20 SunTrust Investment Services has been awarded the Banking Insurance & Securities Association award for Excellence for Large Institution Program of the Year}\par
\pard {\cf1\fs20 Voted \u8220?Best Bank to Deposit Your Royalty Check\u8221? by Music Row Magazine for three consecutive years}\par
\pard {\cf1\fs20 Official bank of NASCAR and Grand American Road Racing}\par
\pard {\cf1\fs20 Total Assets Under Advisement as of 3/31/2006 - $101.1B}\par
\pard {\cf1\fs20 Q1 2006 Revenues - $238.4MM}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991EPPT15.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Key Takeaways: Private Wealth Management}\par
\pard {\cf1\fs20 Private Wealth Management is uniquely poised to deliver the entire portfolio of personal wealth products and services to affluent, wealthy and high net worth clients through our client-centric team model}\par
\pard {\cf1\fs20 Strength of our partnerships within the SunTrust Franchise (Commercial, Retail, Mortgage, CIB, Endowment & Foundation, Retirement Services etc.)}\par
\pard {\cf1\fs20 Strength of our partnerships within the SunTrust Franchise (Commercial, Retail, Mortgage, CIB, Endowment & Foundation, Retirement Services etc.)}\par
\pard {\cf1\fs20 Located in the best footprint to serve the Baby Boomer market}\par
\pard {\cf1\fs20 Leverage momentum gained through strategic investments}\par
\pard {\cf1\fs20 Develop an increased share of wallet with the existing client base, focusing on clients served in a single-product capacity}\par
\pard {\cf1\fs20 Expansion of niche segment specializations (Sports, Entertainment, Motorsports, Medical, Legal, International)}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991EPPT16.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Focus On Institutional Investment Management}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991EPPT17.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Building a World Class
Money Manager and Institutional Services Provider}\par
\pard {\cf1\fs20 2000}\par
\pard {\cf1\fs20 2001}\par
\pard {\cf1\fs20 2003}\par
\pard {\cf1\fs20 2004}\par
\pard {\cf1\fs20 2005}\par
\pard {\cf1\fs20 SunTrust\u8217?s three institutional investment management subsidiaries are consolidated into a single registered investment advisor, Trusco Capital Management, Inc. (\u8220?TCM\u8221?)}\par
\pard {\cf1\fs20 Institutional Sales for Endowment & Foundation and Retirement Services merged into Trusco Capital}\par
\pard {\cf1\fs20 TCM AUM exceeds $50 billion (12/31/03)}\par
\pard {\cf1\fs20 TCM acquires Seix Investment Advisors, Inc., a premier institutional fixed income manager}\par
\pard {\cf1\fs20 TCM acquires Seix Investment Advisors, Inc., a premier institutional fixed income manager}\par
\pard {\cf1\fs20 TCM acquires a majority interest in Zevenbergen Capital Investments, LLC. ZCI serves as an independent, registered investment advisor to fulfill a niche for individually managed equity portfolios in the increasingly popular and successful growth equity markets}\par
\pard {\cf1\fs20 TCM AUM exceeds $70 billion (12/31/05)}\par
\pard {\cf1\fs20 Consolidated 3 separate internal money managers into one}\par
\pard {\cf1\fs20 Acquired ZCI (aggressive growth manager) and Seix Advisors (high yield core plus)}\par
\pard {\cf1\fs20 Further expand disciplines and capabilities}\par
\pard {\cf1\fs20 2006}\par
\pard {\cf1\fs20 STI Classic Funds exceed $35 billion (4/30/06)}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991EPPT18.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Trusco Capital Management}\par
\pard {\cf1\fs20 1984}\par
\pard {\cf1\fs20 2005}\par
\pard {\cf1\fs20 Organic Growth + Strategic Acquisitions + Product Development}\par
\pard {\cf1\fs20 2000}\par
\pard {\cf1\fs20 2000}\par
\pard {\cf1\fs20 2004}\par
\pard {\cf1\fs20 2004}\par
\pard {\cf1\fs20 $70}\par
\pard {\cf1\fs20 $70}\par
\pard {\cf1\fs20 1992}\par
\pard {\cf1\fs20 1992}\par
\pard {\cf1\fs20 Created Trusco Capital Management Inc.}\par
\pard {\cf1\fs20 Trusco Capital Management (TCM) has grown both organically and through acquisitions. Trusco continues to evaluate acquisitions that would be accretive to its business}\par
\pard {\cf1\fs20 Trusco Capital Management (TCM) has grown both organically and through acquisitions. Trusco continues to evaluate acquisitions that would be accretive to its business}\par
\pard {\cf1\fs20 3 Investment Products}\par
\pard {\cf1\fs20 3 Investment Products}\par
\pard {\cf1\fs20 70 Investment Products}\par
\pard {\cf1\fs20 70 Investment Products}\par
\pard {\cf1\fs20 Assets Under Management}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991EPPT19.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Trusco Boutiques \u8211? Structure and Products}\par
\pard {\cf1\fs20 Seix Advisors}\par
\pard {\cf1\fs20 Seix Advisors}\par
\pard {\cf1\fs20 Core Fixed}\par
\pard {\cf1\fs20 Core Plus Fixed}\par
\pard {\cf1\fs20 Floating Rate Fixed}\par
\pard {\cf1\fs20 Trusco Core Growth Equity}\par
\pard {\cf1\fs20 Trusco Core Growth Equity}\par
\pard {\cf1\fs20 International}\par
\pard {\cf1\fs20 Large Cap Core}\par
\pard {\cf1\fs20 Mid-Cap Core}\par
\pard {\cf1\fs20 Large Cap Growth}\par
\pard {\cf1\fs20 Small Cap Growth}\par
\pard {\cf1\fs20 Large Cap Quantitative}\par
\pard {\cf1\fs20 Trusco Value Equity}\par
\pard {\cf1\fs20 Trusco Value Equity}\par
\pard {\cf1\fs20 Large Cap Value}\par
\pard {\cf1\fs20 Mid-Cap Value}\par
\pard {\cf1\fs20 Trusco Core Value}\par
\pard {\cf1\fs20 Trusco Core Value}\par
\pard {\cf1\fs20 Trusco Short-Term & Liquidity Structured Products}\par
\pard {\cf1\fs20 Trusco Short-Term & Liquidity Structured Products}\par
\pard {\cf1\fs20 Money-Market & Enhanced Cash}\par
\pard {\cf1\fs20 Short-Term Fixed}\par
\pard {\cf1\fs20 Trusco Municipal Bond}\par
\pard {\cf1\fs20 Trusco Municipal Bond}\par
\pard {\cf1\fs20 Intermediate Tax-Exempt Fixed}\par
\pard {\cf1\fs20 Core Tax-Exempt Fixed}\par
\pard {\cf1\fs20 High Net Worth Tax-Exempt Portfolios}\par
\pard {\cf1\fs20 Zevenbergen Capital Investments}\par
\pard {\cf1\fs20 Zevenbergen Capital Investments}\par
\pard {\cf1\fs20 Aggressive Growth Equities}\par
\pard {\cf1\fs20 Performance
Driven Culture}\par
\pard {\cf1\fs20 Performance
Driven Culture}\par
\pard {\cf1\fs20 Talented
Investment Professionals}\par
\pard {\cf1\fs20 Disciplined Investment Processes}\par
\pard {\cf1\fs20 Autonomous and Independent Decision Making}\par
\pard {\cf1\fs20 Trusco Capital Management Boutiques}\par
\pard {\cf1\fs20 Total AUM (12/31/05) = $70.4 Billion}\par
\pard {\cf1\fs20 Total AUM (12/31/05) = $70.4 Billion}\par
\pard {\cf1\fs20 Equity AUM = $19.9 Billion}\par
\pard {\cf1\fs20 Fixed Income AUM = $29.7 Billion}\par
\pard {\cf1\fs20 A nationally recognized money management firm with over $70 billion in assets under management. Trusco strategically adds value through services ranging from individual style specific mandates to diversified investment solutions.}\par
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\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991EPPT20.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Institutional Services - Administrative Expertise}\par
\pard {\cf1\fs20 Retirement Services}\par
\pard {\cf1\fs20 Endowment & Foundation}\par
\pard {\cf1\fs20 Corporate Trust}\par
\pard {\cf1\fs20 Retirement Services (RS) supports 1,614 plans, over 200,000 participants located in all 50 states and has $26.5B in assets under advisement.}\par
\pard {\cf1\fs20 Retirement Services (RS) supports 1,614 plans, over 200,000 participants located in all 50 states and has $26.5B in assets under advisement.}\par
\pard {\cf1\fs20 SunTrust Retirement Services offers comprehensive retirement planning, superior products and is recognized for its high touch, single point of contact service model.}\par
\pard {\cf1\fs20 In addition to the Retirement Services Division, SunTrust also offers retirement plan services through First Mercantile, a wholly owned subsidiary, by utilizing financial intermediaries such as banks and brokerage firms.}\par
\pard {\cf1\fs20 SunTrust partnered with its first nonprofit client in 1918 \u8211? still a client today.}\par
\pard {\cf1\fs20 SunTrust partnered with its first nonprofit client in 1918 \u8211? still a client today.}\par
\pard {\cf1\fs20 Today E&F serves over 1,250 nonprofit relationships with $35 billion in assets under administration and more than 750 Charitable Trusts (Planned Giving) totaling over $650 million in assets.}\par
\pard {\cf1\fs20 Corporate Trust generates over $38 million in annual fees, and contributes more than $4 billion in AUM to the SunTrust Classic Funds.}\par
\pard {\cf1\fs20 Corporate Trust generates over $38 million in annual fees, and contributes more than $4 billion in AUM to the SunTrust Classic Funds.}\par
\pard {\cf1\fs20 Corporate Trust provides Bond Administration, Escrow Administration, 1031 Exchange, Custody and Delaware Business Trust services.}\par
\pard {\cf1\fs20 Corporate Trust clients are:}\par
\pard {\cf1\fs20 Tax-exempt entities (municipal and not for profits)}\par
\pard {\cf1\fs20 Desire bond trustee and escrow services on publicly sold debt, as well as custodial services.}\par
\pard {\cf1\fs20 Taxable (corporate) entities}\par
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\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991EPPT21.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Creating Solutions Tailored for Institutions}\par
\pard {\cf1\fs20 Institutions}\par
\pard {\cf1\fs20 Fixed Income}\par
\pard {\cf1\fs20 Liquidity & Short-Term Fixed}\par
\pard {\cf1\fs20 Liquidity & Short-Term Fixed}\par
\pard {\cf1\fs20 Tax-Free Fixed}\par
\pard {\cf1\fs20 High Grade Taxable Fixed}\par
\pard {\cf1\fs20 High Yield Fixed}\par
\pard {\cf1\fs20 Equity Management}\par
\pard {\cf1\fs20 Value Equity: Large, Mid and Small Cap}\par
\pard {\cf1\fs20 Value Equity: Large, Mid and Small Cap}\par
\pard {\cf1\fs20 Growth Equity: Large, Mid and Small Cap}\par
\pard {\cf1\fs20 International Equity}\par
\pard {\cf1\fs20 Retirement Services}\par
\pard {\cf1\fs20 Defined Benefit (DB) Plans}\par
\pard {\cf1\fs20 Defined Benefit (DB) Plans}\par
\pard {\cf1\fs20 Defined Contribution (DC) Plans}\par
\pard {\cf1\fs20 Rollover Solutions}\par
\pard {\cf1\fs20 Advice/Managed Account}\par
\pard {\cf1\fs20 Corporate Trust}\par
\pard {\cf1\fs20 Bond Indenture Trustee}\par
\pard {\cf1\fs20 Bond Indenture Trustee}\par
\pard {\cf1\fs20 Escrow Services}\par
\pard {\cf1\fs20 Institutional Investment Management intends to be recognized as a trusted advisor guiding institutional clients in achieving their financial goals}\par
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\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991EPPT22.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Diversified Product Offering and Sales Channels}\par
\pard {\cf1\fs20 Channels}\par
\pard {\cf1\fs20 Products/Services}\par
\pard {\cf1\fs20 Consultant}\par
\pard {\cf1\fs20 National Taft Hartley
& Municipal}\par
\pard {\cf1\fs20 Institutional Intermediaries}\par
\pard {\cf1\fs20 Retail Intermediaries}\par
\pard {\cf1\fs20 SunTrust Franchise}\par
\pard {\cf1\fs20 Regional (For Profit & Not-For- Profit)}\par
\pard {\cf1\fs20 Regional (For Profit & Not-For- Profit)}\par
\pard {\cf1\fs20 Intermediary & Wholesalers}\par
\pard {\cf1\fs20 Corporate & Investment Banking}\par
\pard {\cf1\fs20 Consultant Relations}\par
\pard {\cf1\fs20 Sales Teams}\par
\pard {\cf1\fs20 17}\par
\pard {\cf1\fs20 17}\par
\pard {\cf1\fs20 11}\par
\pard {\cf1\fs20 8}\par
\pard {\cf1\fs20 5}\par
\pard {\cf1\fs20 Service Teams}\par
\pard {\cf1\fs20 Investment Managers}\par
\pard {\cf1\fs20 Investment Managers}\par
\pard {\cf1\fs20 56}\par
\pard {\cf1\fs20 56}\par
\pard {\cf1\fs20 Direct Sales}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991EPPT23.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Leverage the Franchise}\par
\pard {\cf1\fs20 Rollover Solution Center is prepared to support the increased pool of internal IRA rollover candidates and the internal IRA capture}\par
\pard {\cf1\fs20 Rollover Solution Center is prepared to support the increased pool of internal IRA rollover candidates and the internal IRA capture}\par
\pard {\cf1\fs20 Endowment & Foundation, Private Wealth Management and CIB have partnered to mine for new foundation opportunities}\par
\pard {\cf1\fs20 Institutional Investment Management worked with SunTrust Investment Services and SunTrust Robinson Humphrey to introduce the Mountain View CLO-2006A offering}\par
\pard {\cf1\fs20 SunTrust has many high quality corporate and institutional relationships who are potential clients of Institutional Investment Management}\par
\pard {\cf1\fs20 Institutional Investment Management is partnering with a number of areas within the Company to increase new client sales and capture more assets from existing clients}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991EPPT24.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Institutional Investment Management: 2006 in Review}\par
\pard {\cf1\fs20 Total Assets Under Advisement as of 3/31/2006 - $148.3B}\par
\pard {\cf1\fs20 Q1 2006 Revenues - $88.6MM}\par
\pard {\cf1\fs20 More than 20 SunTrust Classic Funds received 4 stars or higher for 5-year returns at the end of 1st Quarter 2006 by Morningstar}\par
\pard {\cf1\fs20 More than 20 SunTrust Classic Funds received 4 stars or higher for 5-year returns at the end of 1st Quarter 2006 by Morningstar}\par
\pard {\cf1\fs20 58% of SunTrust Classic Equity Funds ranked A or B by Lipper for Q1 2006 and 1 year ending 3/31/2006}\par
\pard {\cf1\fs20 62% of SunTrust Classic Equity Funds ranked A or B by Lipper for 5 years ending 3/31/2006}\par
\pard {\cf1\fs20 TCM Ranked Largest Manager of High Yield Bonds*}\par
\pard {\cf1\fs20 TCM Ranked Largest Manager of High Yield Bonds*}\par
\pard {\cf1\fs20 TCM Ranked 8th Largest Manager of Endowment & Foundation Assets*}\par
\pard {\cf1\fs20 * Source: Pension & Investments; May 29, 2006 Tax-exempt funds. All information believed to be reliable but accuracy not guaranteed.}\par
\pard {\cf1\fs20 Selected Recent Highlights:}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991EPPT25.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Key Takeaways: Institutional Investment Management}\par
\pard {\cf1\fs20 Institutional Investment Management adds value to each client by leveraging the strengths of the entire organization, with unwavering commitment}\par
\pard {\cf1\fs20 Ability to sell competitive proprietary investment products independently and then augment them with third party or non-proprietary products to deliver comprehensive investment solutions}\par
\pard {\cf1\fs20 Ability to sell competitive proprietary investment products independently and then augment them with third party or non-proprietary products to deliver comprehensive investment solutions}\par
\pard {\cf1\fs20 Seamlessly bundle and/or unbundle services to meet the unique needs of a wide array of institutional clients}\par
\pard {\cf1\fs20 A talented group of client service professionals who act as trusted advisors and bring industry expertise, best practices, ideas, suggestions and recommendations to the client}\par
\pard {\cf1\fs20 Continue to strengthen and expand distribution channels}\par
\pard {\cf1\fs20 Continue to strengthen and expand distribution channels}\par
\pard {\cf1\fs20 Proven, successful track record integrating money management firms and professional talent}\par
\pard {\cf1\fs20 Current}\par
\pard {\cf1\fs20 Future}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991EPPT26.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Coverage of the
Wealth and Investment Management Market}\par
\pard {\cf1\fs20 Channels}\par
\pard {\cf1\fs20 Family Office &}\par
\pard {\cf1\fs20 Family Office &}\par
\pard {\cf1\fs20 Independent Private Wealth}\par
\pard {\cf1\fs20 Institutional Market}\par
\pard {\cf1\fs20 Retirement Services}\par
\pard {\cf1\fs20 Retirement Services}\par
\pard {\cf1\fs20 Endowment & Foundations}\par
\pard {\cf1\fs20 SunTrust is uniquely positioned to approach multiple segments of the market and successfully compete with products and services tailored and packaged for each channel}\par
\pard {\cf1\fs20 Private Wealth}\par
\pard {\cf1\fs20 Personal Asset Management}\par
\pard {\cf1\fs20 SunTrust Investment Svcs.}\par
\pard {\cf1\fs20 Sports & Entertainment}\par
\pard {\cf1\fs20 Private Wealth Management}\par
\pard {\cf1\fs20 International Wealth Management}\par
\pard {\cf1\fs20 Medical & Legal}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991EPPT27.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Manufacturer & Distributor Meeting the Needs of Clients}\par
\pard {\cf1\fs20 Institutional Market}\par
\pard {\cf1\fs20 SunTrust\u8217?s institutional money managers are able to distribute independently because their products and results are competitive and compelling}\par
\pard {\cf1\fs20 SunTrust\u8217?s institutional money managers are able to distribute independently because their products and results are competitive and compelling}\par
\pard {\cf1\fs20 Trusco Capital, Seix, Zevenbergen and Lighthouse Partners have excellent reputations and brand awareness in the consultant and institutional markets. Products continue to be successfully sold through these and other non-proprietary or third party channels}\par
\pard {\cf1\fs20 In 2005, 35% of Investment Management sales were sourced from the Consultant & Intermediary Channels}\par
\pard {\cf1\fs20 SunTrust Investment Services is a distributor of both proprietary investments as well as non-proprietary products}\par
\pard {\cf1\fs20 SunTrust Investment Services is a distributor of both proprietary investments as well as non-proprietary products}\par
\pard {\cf1\fs20 Personal Asset Management is primarily managing assets for the SunTrust client base using proprietary and non-proprietary asset management solutions}\par
\pard {\cf1\fs20 Extensive due diligence process conducted on all funds}\par
\pard {\cf1\fs20 Private Wealth Market}\par
\pard {\cf1\fs20 SunTrust is successful in manufacturing competitive investment products as well as distributing proprietary and non-proprietary investment management}\par
\pard {\cf1\fs20 With a focus on delivering compelling investment performance, superior client service and attractively priced options, SunTrust utilizes both proprietary and non-proprietary distribution channels and investment products}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991EPPT28.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Gained Efficiencies and Improved Operating Leverage}\par
\pard {\cf1\fs20 As Wealth and Investment Management has grown, we have continued to focus on creating efficiencies while ensuring healthy growth}\par
\pard {\cf1\fs20 Established the Wealth Management Advisory Centers in 2003 by completing the transfer of 5,500 accounts}\par
\pard {\cf1\fs20 Established the Wealth Management Advisory Centers in 2003 by completing the transfer of 5,500 accounts}\par
\pard {\cf1\fs20 The Advisory Centers have developed significant expertise in fiduciary administration, implemented an effective remote client management capability, and met quality, efficiency and client retention goals}\par
\pard {\cf1\fs20 Implementation of the Advisory Centers provided a streamlined model for account support. The average capacity by Advisory Center Trust Advisor is 300 accounts}\par
\pard {\cf1\fs20 Given the success of the Advisory Center model, we have recently raised the minimum threshold for accounts to be supported by the Center to $1MM in value}\par
\pard {\cf1\fs20 Raised our capability to leverage growth in trust assets via the recent trust account conversion to the SEI Trust 3000 platform}\par
\pard {\cf1\fs20 Sold the SunTrust Stock Transfer business}\par
\pard {\cf1\fs20 Consolidated sales forces and maximized span of control}\par
\pard {\cf1\fs20 Centralized back office functions from Chattanooga operations center}\par
\pard {\cf1\fs20 40% reduction in core operations staff}\par
\pard {\cf1\fs20 Since 2001, we have increased transaction volume in several areas, while significantly reducing core operations staff:}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991EPPT29.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Looking Ahead}\par
\pard {\cf1\fs20 We have established partnerships with all SunTrust Lines of Business}\par
\pard {\cf1\fs20 We have established partnerships with all SunTrust Lines of Business}\par
\pard {\cf1\fs20 SunTrust Operating Model supports operational excellence}\par
\pard {\cf1\fs20 Team Operating Model is gaining momentum}\par
\pard {\cf1\fs20 Developed significant non-proprietary distribution and manufacturing}\par
\pard {\cf1\fs20 Early investments moving to the upside of the \u8220?J\u8221? curve}\par
\pard {\cf1\fs20 Key investments have been made in our capabilities, talent, technology and risk management}\par
\pard {\cf1\fs20 While we are very proud of our history, we are focused on our future. Looking ahead, our strategic investments have positioned us for positive returns}\par
\pard {\cf1\fs20 Top line growth combined with margin improvement is the success formula for Wealth and Investment Management and key to achieving our 12-14% long-term annual net income growth goal1}\par
\pard {\cf1\fs20 1Actual results could differ materially from those contained in or implied by such statements. A list of important factors that could affect actual results are listed on slide 1.}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991EPPT30.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 SunTrust Wealth and Investment Management Line of Business}\par
\pard {\cf1\fs20 William H. Rogers, Jr.}\par
\pard {\cf1\fs20 William H. Rogers, Jr.}\par
\pard {\cf1\fs20 Corporate Executive Vice President}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991FPPT01.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 SunTrust Commercial Line of Business}\par
\pard {\cf1\fs20 Gay O. Abbott}\par
\pard {\cf1\fs20 Gay O. Abbott}\par
\pard {\cf1\fs20 Corporate Executive Vice President}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991FPPT02.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Commercial Line of Business Overview}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991FPPT03.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Major Sub-Segments}\par
\pard {\cf1\fs20 Commercial Line of Business}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991FPPT04.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Commercial LOB Profile By Category}\par
\pard {\cf1\fs20 Average}\par
\pard {\cf1\fs20 Average}\par
\pard {\cf1\fs20 Loans}\par
\pard {\cf1\fs20 Average}\par
\pard {\cf1\fs20 Average}\par
\pard {\cf1\fs20 Deposits}\par
\pard {\cf1\fs20 Revenue}\par
\pard {\cf1\fs20 Revenue}\par
\pard {\cf1\fs20 Three months ended March 31, 2006.}\par
\pard {\cf1\fs20 >}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991FPPT05.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Loan Portfolio by Product Type}\par
\pard {\cf1\fs20 Average Loans}\par
\pard {\cf1\fs20 Average Loans}\par
\pard {\cf1\fs20 Commercial RE}\par
\pard {\cf1\fs20 Commercial RE}\par
\pard {\cf1\fs20 Mini-Perm/Perm}\par
\pard {\cf1\fs20 Three months ended March 31, 2006.}\par
\pard {\cf1\fs20 >}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991FPPT06.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Who We Are: A Major Player in the Market}\par
\pard {\cf1\fs20 \u226?\u8364?\u166?and closing in on #1 in the Middle Market}\par
\pard {\cf1\fs20 We\u8217?re #1 in lead relationships\u226?\u8364?\u166?}\par
\pard {\cf1\fs20 Note: Major Competitors are defined as those with greater than 7% in lead relationships or Middle Market penetration.}\par
\pard {\cf1\fs20 Note: Major Competitors are defined as those with greater than 7% in lead relationships or Middle Market penetration.}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991FPPT07.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Who We Are: A Leader Among Our Peers}\par
\pard {\cf1\fs20 SunTrust - Footprint $5-250 million}\par
\pard {\cf1\fs20 Note: Evaluations are based on a 5-point scale, 5 excellent to 1 poor.}\par
\pard {\cf1\fs20 Note: Evaluations are based on a 5-point scale, 5 excellent to 1 poor.}\par
\pard {\cf1\fs20 Crosshairs set at market average.}\par
\pard {\cf1\fs20 Market Average}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991FPPT08.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Strategic Position}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991FPPT09.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Delivery of SunTrust Capabilities}\par
\pard {\cf1\fs20 Commercial Strategy: Capitalize on a broad range of opportunities with clients throughout their financial lifecycles}\par
\pard {\cf1\fs20 Deliver the full complement of SunTrust capabilities through teams of Relationship Managers and Product Specialists}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991FPPT10.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Local Responsiveness: Skilled Relationship Managers}\par
\pard {\cf1\fs20 Strategy is executed through skilled Relationship Managers and Product Specialists who are located in market}\par
\pard {\cf1\fs20 Strategy is executed through skilled Relationship Managers and Product Specialists who are located in market}\par
\pard {\cf1\fs20 Relationship Managers are positioned as business advisors who possess in-depth client understanding}\par
\pard {\cf1\fs20 Strategy Execution: Relationship Management Model}\par
\pard {\cf1\fs20 Commercial Sales Team}\par
\pard {\cf1\fs20 Commercial Sales Process}\par
\pard {\cf1\fs20 CHARGE Sales Process}\par
\pard {\cf1\fs20 CHARGE Sales Process}\par
\pard {\cf1\fs20 salesforce.com CRM}\par
\pard {\cf1\fs20 Relationship Planning}\par
\pard {\cf1\fs20 Strategic Reviews}\par
\pard {\cf1\fs20 Relationship Manager}\par
\pard {\cf1\fs20 Relationship Manager}\par
\pard {\cf1\fs20 Treasury Management Officer}\par
\pard {\cf1\fs20 Capital Markets Generalist}\par
\pard {\cf1\fs20 Retirement Plan Specialist}\par
\pard {\cf1\fs20 Model}\par
\pard {\cf1\fs20 Financing}\par
\pard {\cf1\fs20 Institutional}\par
\pard {\cf1\fs20 Institutional}\par
\pard {\cf1\fs20 Investment}\par
\pard {\cf1\fs20 Capital}\par
\pard {\cf1\fs20 Capital}\par
\pard {\cf1\fs20 Private}\par
\pard {\cf1\fs20 Private}\par
\pard {\cf1\fs20 Wealth}\par
\pard {\cf1\fs20 360o}\par
\pard {\cf1\fs20 SunTrust @}\par
\pard {\cf1\fs20 SunTrust @}\par
\pard {\cf1\fs20 Full}\par
\pard {\cf1\fs20 Full}\par
\pard {\cf1\fs20 Treasury
Management}\par
\pard {\cf1\fs20 Capabilities}\par
\pard {\cf1\fs20 Competitive}\par
\pard {\cf1\fs20 Competitive}\par
\pard {\cf1\fs20 Economic Outlook}\par
\pard {\cf1\fs20 Financial}\par
\pard {\cf1\fs20 Financial}\par
\pard {\cf1\fs20 Industry Knowledge}\par
\pard {\cf1\fs20 Legal & Regulatory Environment}\par
\pard {\cf1\fs20 Client Understanding}\par
\pard {\cf1\fs20 Goals and Strategy}\par
\pard {\cf1\fs20 Skill}\par
\pard {\cf1\fs20 +}\par
\pard {\cf1\fs20 =}\par
\pard {\cf1\fs20 +}\par
\pard {\cf1\fs20 Competitive Advantage}\par
\pard {\cf1\fs20 SunTrust Relationship Managers have been rated best among peer banks by two independent research firms}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991FPPT11.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Unique Model Results in Strong Strategic Positioning}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991FPPT12.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 External Positioning}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991FPPT13.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Opportunities and Strategic Initiatives}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991FPPT14.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Opportunity: Market Penetration}\par
\pard {\cf1\fs20 Source: A leading independent provider of syndicated market research to the commercial banking industry (2004).}\par
\pard {\cf1\fs20 Market Penetration and Ranking by Region}\par
\pard {\cf1\fs20 Market Penetration and Ranking by Region}\par
\pard {\cf1\fs20 Top two rank for market penetration in 12 of 20 regions}\par
\pard {\cf1\fs20 Top two rank for market penetration in 12 of 20 regions}\par
\pard {\cf1\fs20 #1}\par
\pard {\cf1\fs20 #1}\par
\pard {\cf1\fs20 #1}\par
\pard {\cf1\fs20 #1T}\par
\pard {\cf1\fs20 #1}\par
\pard {\cf1\fs20 #1}\par
\pard {\cf1\fs20 #2}\par
\pard {\cf1\fs20 #2}\par
\pard {\cf1\fs20 #2}\par
\pard {\cf1\fs20 #1}\par
\pard {\cf1\fs20 #2}\par
\pard {\cf1\fs20 #3}\par
\pard {\cf1\fs20 #2}\par
\pard {\cf1\fs20 #3}\par
\pard {\cf1\fs20 #4T}\par
\pard {\cf1\fs20 #3}\par
\pard {\cf1\fs20 #4T}\par
\pard {\cf1\fs20 #6}\par
\pard {\cf1\fs20 #6}\par
\pard {\cf1\fs20 #6}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991FPPT15.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Opportunity: Relationship Expansion1}\par
\pard {\cf1\fs20 A 2005 study estimated that by focusing on cross-sell opportunities in the Diversified Commercial segment we could increase annual revenue at 9% - 13% CAGR (twice the market growth rate) over the next three years.}\par
\pard {\cf1\fs20 A 2005 study estimated that by focusing on cross-sell opportunities in the Diversified Commercial segment we could increase annual revenue at 9% - 13% CAGR (twice the market growth rate) over the next three years.}\par
\pard {\cf1\fs20 Source: Analysis by independent consulting firm based on industry averages and review of SunTrust\u8217?s Diversified Commercial client portfolio.
1 Actual results could differ materially from those contained in or implied by such statements. A list of important factors that could affect actual results are listed on slide 1.}\par
\pard {\cf1\fs20 Source: Analysis by independent consulting firm based on industry averages and review of SunTrust\u8217?s Diversified Commercial client portfolio.
1 Actual results could differ materially from those contained in or implied by such statements. A list of important factors that could affect actual results are listed on slide 1.}\par
\pard {\cf1\fs20 Non-Lending Opportunity}\par
\pard {\cf1\fs20 Non-Lending Opportunity}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991FPPT16.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Opportunity: 360o Focus}\par
\pard {\cf1\fs20 3/31/2005}\par
\pard {\cf1\fs20 + 67%}\par
\pard {\cf1\fs20 + 29%}\par
\pard {\cf1\fs20 3/31/2006}\par
\pard {\cf1\fs20 Intense 360o Focus is Producing Results}\par
\pard {\cf1\fs20 Intense 360o Focus is Producing Results}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991FPPT17.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Opportunity: Productivity}\par
\pard {\cf1\fs20 Most}\par
\pard {\cf1\fs20 Most}\par
\pard {\cf1\fs20 Productive}\par
\pard {\cf1\fs20 Least Productive}\par
\pard {\cf1\fs20 Least Productive}\par
\pard {\cf1\fs20 SunTrust Sales Force Productivity vs. Peer Banks}\par
\pard {\cf1\fs20 SunTrust Sales Force Productivity vs. Peer Banks}\par
\pard {\cf1\fs20 Source: Member Supported Commercial Banking Industry Benchmarking Association, 2006 Survey.}\par
\pard {\cf1\fs20 Source: Member Supported Commercial Banking Industry Benchmarking Association, 2006 Survey.}\par
\pard {\cf1\fs20 SunTrust Commercial Relationship Manager productivity is in the top two quintiles in most categories}\par
\pard {\cf1\fs20 SunTrust Commercial Relationship Manager productivity is in the top two quintiles in most categories}\par
\pard {\cf1\fs20 Initiatives are underway to boost loan, deposit and fee production}\par
\pard {\cf1\fs20 Production, client profitability and pricing improvement are tracked and reported monthly}\par
\pard {\cf1\fs20 Ranking}\par
\pard {\cf1\fs20 Average}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991FPPT18.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Opportunity: Business Transitions}\par
\pard {\cf1\fs20 Through the lifecycle Relationship Management approach, SunTrust is in a position}\par
\pard {\cf1\fs20 Through the lifecycle Relationship Management approach, SunTrust is in a position}\par
\pard {\cf1\fs20 Source: Based on third-party research done in 2004 and published in 2005}\par
\pard {\cf1\fs20 % of Businesses Expecting a Change in Ownership Within 10 Years (2005)}\par
\pard {\cf1\fs20 8%}\par
\pard {\cf1\fs20 9%}\par
\pard {\cf1\fs20 15%}\par
\pard {\cf1\fs20 In 6-10 Years (2009-2013)}\par
\pard {\cf1\fs20 In 3-5 Years (2007-2009)}\par
\pard {\cf1\fs20 Next 2 Years (2004-2006)}\par
\pard {\cf1\fs20 >$50 Million}\par
\pard {\cf1\fs20 Source: Independent research analysis of the Federal Reserve\u8217?s Survey of Consumer Finances}\par
\pard {\cf1\fs20 % of Owners\u8217? Net Worth}\par
\pard {\cf1\fs20 % of Owners\u8217? Net Worth}\par
\pard {\cf1\fs20 Centered in Business Assets}\par
\pard {\cf1\fs20 >$500,000-}\par
\pard {\cf1\fs20 >$500,000-}\par
\pard {\cf1\fs20 $1 Million-}\par
\pard {\cf1\fs20 $1 Million-}\par
\pard {\cf1\fs20 $10 Million-}\par
\pard {\cf1\fs20 $10 Million-}\par
\pard {\cf1\fs20 35.0%}\par
\pard {\cf1\fs20 49.5%}\par
\pard {\cf1\fs20 61.1%}\par
\pard {\cf1\fs20 86.0%}\par
\pard {\cf1\fs20 Net Worth Tier}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991FPPT19.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Opportunity: Real Estate}\par
\pard {\cf1\fs20 Residential construction lending in our under-served and balanced markets (SunTrust is in 5 of the top 10 markets for population growth, household growth and total employment growth in the US**)}\par
\pard {\cf1\fs20 Selective expansion of our commercial real estate lending activities in designated markets in the recovery and expansion cycle}\par
\pard {\cf1\fs20 *Integra Realty Resources Inc.}\par
\pard {\cf1\fs20 *Integra Realty Resources Inc.}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991FPPT20.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Top Strategic Initiatives1}\par
\pard {\cf1\fs20 Increase market penetration}\par
\pard {\cf1\fs20 Increase market penetration}\par
\pard {\cf1\fs20 Expand presence in markets with opportunity}\par
\pard {\cf1\fs20 Build Commercial banking sales force in the Carolinas}\par
\pard {\cf1\fs20 Enhance client relationships}\par
\pard {\cf1\fs20 Deploy a variety of tools and initiatives to target cross-sell opportunities}\par
\pard {\cf1\fs20 Relationship Opportunity Profile (predictive model for product usage)}\par
\pard {\cf1\fs20 Expansion of Strategic Review process to include Treasury Management and Business Transitions}\par
\pard {\cf1\fs20 Capture the personal banking of business owners/executives through a partnership with Wealth and Investment Management}\par
\pard {\cf1\fs20 Achieve 2006 Capital Markets sales goal increase of 27% from 2005}\par
\pard {\cf1\fs20 Achieve 2006 CMBS loan volume goal of $1 billion by expanding the sales force to 12 originators}\par
\pard {\cf1\fs20 Improve productivity}\par
\pard {\cf1\fs20 Institutionalize usage of performance management tools to drive increases in productivity and pricing improvement}\par
\pard {\cf1\fs20 1Actual results could differ materially from those contained in or implied by such statements. A list of important factors that could affect actual results are listed on slide 1.}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991FPPT21.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Key Takeaways}\par
\pard {\cf1\fs20 We are a major player in the market, a leader among our peers, and have upward momentum}\par
\pard {\cf1\fs20 We are a major player in the market, a leader among our peers, and have upward momentum}\par
\pard {\cf1\fs20 Value proposition: big bank capabilities delivered through local Relationship Managers who take a broad and long-term view of clients\u8217? financial needs}\par
\pard {\cf1\fs20 Strategy: capitalize on the broad range of opportunities with clients throughout their lifecycle}\par
\pard {\cf1\fs20 Our 360o cross-sell approach has produced notable results}\par
\pard {\cf1\fs20 High market penetration provides relationship expansion opportunity}\par
\pard {\cf1\fs20 Productivity improvements provide additional opportunities}\par
\pard {\cf1\fs20 Our lifecycle relationship management approach uniquely positions us to capitalize on increasing business transition trends}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991GPPT01.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 SunTrust Corporate Payment Solutions}\par
\pard {\cf1\fs20 David Fuller}\par
\pard {\cf1\fs20 David Fuller}\par
\pard {\cf1\fs20 Senior Vice President}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991GPPT02.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Corporate Payment Solutions at SunTrust}\par
\pard {\cf1\fs20 Lockbox}\par
\pard {\cf1\fs20 Lockbox}\par
\pard {\cf1\fs20 Merchant Services}\par
\pard {\cf1\fs20 Automated Investments}\par
\pard {\cf1\fs20 Automated Investments}\par
\pard {\cf1\fs20 Zero Balance Account}\par
\pard {\cf1\fs20 Controlled Disbursement}\par
\pard {\cf1\fs20 Controlled Disbursement}\par
\pard {\cf1\fs20 Corporate Card}\par
\pard {\cf1\fs20 Purchasing Card}\par
\pard {\cf1\fs20 Online Reporting:}\par
\pard {\cf1\fs20 Online Reporting:}\par
\pard {\cf1\fs20 Online Treasury Manager}\par
\pard {\cf1\fs20 Online Cash Manager}\par
\pard {\cf1\fs20 Traditional Treasury/Cash Management Services such as Online Information Reporting and Automated Clearing House services (ACH) like Direct Deposit of Payroll}\par
\pard {\cf1\fs20 Traditional Treasury/Cash Management Services such as Online Information Reporting and Automated Clearing House services (ACH) like Direct Deposit of Payroll}\par
\pard {\cf1\fs20 Commercial Card Services such as Corporate Card (travel and entertainment) and Purchasing Card (procurement)}\par
\pard {\cf1\fs20 Other Card Services such as Payroll Card and Gift Card (bulk sales)}\par
\pard {\cf1\fs20 Merchant Services including debit and credit card processing}\par
\pard {\cf1\fs20 Related Services}\par
\pard {\cf1\fs20 Business Credit and Debit Cards}\par
\pard {\cf1\fs20 Automated Investment Services}\par
\pard {\cf1\fs20 How clients use our products and services}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991GPPT03.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Value of Corporate Payments to SunTrust}\par
\pard {\cf1\fs20 Corporate Payments are used by businesses of all sizes and in all SunTrust Lines of Business:}\par
\pard {\cf1\fs20 Corporate Payments are used by businesses of all sizes and in all SunTrust Lines of Business:}\par
\pard {\cf1\fs20 Corporate and Investment Banking (CIB)}\par
\pard {\cf1\fs20 Commercial Banking}\par
\pard {\cf1\fs20 Private Wealth Management (non-individual)}\par
\pard {\cf1\fs20 Percentage of first quarter 2006 Gross Account Analysis Revenues attributed to each LOB}\par
\pard {\cf1\fs20 Percentage of first quarter 2006 Total Sales (including Commercial Card and Merchant) attributed to each LOB}\par
\pard {\cf1\fs20 Commercial}\par
\pard {\cf1\fs20 Retail}\par
\pard {\cf1\fs20 Private Wealth Mgt.}\par
\pard {\cf1\fs20 CIB}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991GPPT04.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Value of Corporate Payments to SunTrust}\par
\pard {\cf1\fs20 Corporate Payments as % of LOB Non-Interest}\par
\pard {\cf1\fs20 Corporate Payments as % of LOB Non-Interest}\par
\pard {\cf1\fs20 Deposits* Income (NII)**}\par
\pard {\cf1\fs20 Retail/Business Banking 14.7% 6.0%}\par
\pard {\cf1\fs20 Commercial Banking 81.1% 36.2%}\par
\pard {\cf1\fs20 Corporate and Investment Banking 47.3% 10.6%}\par
\pard {\cf1\fs20 Private Wealth Management 27.7% 2.5%}\par
\pard {\cf1\fs20 *Deposits on Account Analysis as a percentage of Total Deposits by LOB for first quarter 2006}\par
\pard {\cf1\fs20 The charts and table below illustrate, for each LOB, the proportion of deposit balances tied to Account Analysis and the non-interest income that is contributed by Treasury Management Services.}\par
\pard {\cf1\fs20 **Corporate Payments NII as a percentage of Total NII for each LOB for first quarter 2006}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991GPPT05.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Sales and Financial Results}\par
\pard {\cf1\fs20 Sales for Corporate Payments, including Commercial Card and Merchant Services, increased in 2005 vs 2004 by 27%; sales in 1Q 2006 are 29% higher than 1Q 2005}\par
\pard {\cf1\fs20 Sales for Corporate Payments, including Commercial Card and Merchant Services, increased in 2005 vs 2004 by 27%; sales in 1Q 2006 are 29% higher than 1Q 2005}\par
\pard {\cf1\fs20 Service Charges on Deposit Accounts are impacted by revenue, balances and Earnings Credit Rate (ECR):}\par
\pard {\cf1\fs20 Gross Account Analysis Revenue (Price x Volume) in 1Q 2006 increased 3.2% vs 4Q 2005}\par
\pard {\cf1\fs20 Average Analysis Deposit Balances in 1Q 2006 were up 0.7% vs 4Q 2005}\par
\pard {\cf1\fs20 SunTrust actively manages the ECR and the percentage of the ECR paid at specific balance tiers}\par
\pard {\cf1\fs20 Total Performance from Other Fee-Based Services:}\par
\pard {\cf1\fs20 Purchasing Card total volume was up 177% in 2005 over 2004; and up 80% 1Q 2006 vs 1Q 2005}\par
\pard {\cf1\fs20 Corporate Card was relatively flat with total performance increasing by 2% in 2005 vs 2004; however, 1Q 2006 represents an increase of 61% when compared to 1Q 2005}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991GPPT06.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Leveraging the Viewpointe Investment}\par
\pard {\cf1\fs20 SunTrust made an early commitment to check imaging and archiving. In March 2002, SunTrust took an ownership position in Viewpointe Archive Services and concurrently signed a long-term agreement to implement the company\u8217?s check image archiving technology. Viewpointe currently is the largest provider of a check image archive, processing millions of items each month}\par
\pard {\cf1\fs20 SunTrust made an early commitment to check imaging and archiving. In March 2002, SunTrust took an ownership position in Viewpointe Archive Services and concurrently signed a long-term agreement to implement the company\u8217?s check image archiving technology. Viewpointe currently is the largest provider of a check image archive, processing millions of items each month}\par
\pard {\cf1\fs20 Of the approximately 9 million items processed through Viewpointe in March, SunTrust participated in the exchange of 7.9 million of those items.}\par
\pard {\cf1\fs20 SunTrust is the first bank to do Fed Send through Viewpointe for image exchange. \u160?This positions us to exchange images directly with the Fed for banks where we do not have a direct partnership}\par
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\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991GPPT07.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Complete Product Set}\par
\pard {\cf1\fs20 The focused product strategy has led to a quicker delivery of product solutions to the market. More than 40 enhancements to our products and services were introduced over the last 18 months. The complete product set now includes:}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991GPPT08.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Product Rankings}\par
\pard {\cf1\fs20 Source: Ernst & Young 2005 Cash Management Services Survey, Customized Ranking Report for SunTrust Banks, Inc.}\par
\pard {\cf1\fs20 The product growth as a result of executing on the product roadmap has led to increased market share and improved rankings}\par
\pard {\cf1\fs20 The product growth as a result of executing on the product roadmap has led to increased market share and improved rankings}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991GPPT09.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 An Outside View of SunTrust Expertise}\par
\pard {\cf1\fs20 Ernst & Young* reports:}\par
\pard {\cf1\fs20 Ernst & Young* reports:}\par
\pard {\cf1\fs20 SunTrust ranks among the top ten providers in volume for services including ACH origination, Internet-accessed accounts, corporate sweep clients and pre-encoded check deposits}\par
\pard {\cf1\fs20 SunTrust is the 9th largest treasury management provider}\par
\pard {\cf1\fs20 NACHA ranks SunTrust as the 5th largest ACH Originator and 7th largest ACH Receiver in their most recent results based on 2005 transaction volumes}\par
\pard {\cf1\fs20 Phoenix-Hecht* says:}\par
\pard {\cf1\fs20 Phoenix-Hecht* says:}\par
\pard {\cf1\fs20 SunTrust\u8217?s Cash Management specialists-our client support staff-received an A rating}\par
\pard {\cf1\fs20 Quality ratings of A or A+ were received in 17 out of 18 product and service measures}\par
\pard {\cf1\fs20 SunTrust received an average A rating across its products, overall perceptions of the bank, and its calling officers-the best in our footprint}\par
\pard {\cf1\fs20 An independent research firm recognizes Online Cash Manager as the Best Practice example for Online Banking Enrollment in a recent web conference for Internet users}\par
\pard {\cf1\fs20 An independent research firm released their 2005 Purchasing Card Benchmark Survey Report, and the results indicate that SunTrust consistently out-performed the industry in all satisfaction rating areas}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991GPPT10.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Top Strategic Initiatives & Growth Opportunities}\par
\pard {\cf1\fs20 To achieve our overall revenue growth, we must continue our investment in product enhancements/new products. The evolution of payments will continue to require innovative products and services}\par
\pard {\cf1\fs20 To achieve our overall revenue growth, we must continue our investment in product enhancements/new products. The evolution of payments will continue to require innovative products and services}\par
\pard {\cf1\fs20 Increase product penetration:}\par
\pard {\cf1\fs20 Segmentation opportunities}\par
\pard {\cf1\fs20 Cross-sell existing products to non-users and new products to existing users}\par
\pard {\cf1\fs20 Leverage footprint and LOB strengths}\par
\pard {\cf1\fs20 Recent product introductions provide out-of-footprint revenue opportunities}\par
\pard {\cf1\fs20 Improve client experience to improve retention:}\par
\pard {\cf1\fs20 Continue focus on \u8220?being easy to do business with\u8221?}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991GPPT11.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 SunTrust Corporate Payment Solutions}\par
\pard {\cf1\fs20 David Fuller}\par
\pard {\cf1\fs20 David Fuller}\par
\pard {\cf1\fs20 Senior Vice President}\par
\pard {\cf1\fs20 SunTrust Commercial Line of Business}\par
\pard {\cf1\fs20 Gay O. Abbott}\par
\pard {\cf1\fs20 Gay O. Abbott}\par
\pard {\cf1\fs20 Corporate Executive Vice President}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991HPPT01.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 SunTrust Mortgage Line of Business}\par
\pard {\cf1\fs20 Sterling Edmunds, Jr.}\par
\pard {\cf1\fs20 Sterling Edmunds, Jr.}\par
\pard {\cf1\fs20 President and Chief Executive Officer}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991HPPT02.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 \u226?\u8364?\u162? Steadily-growing national
mortgage lender
\u226?\u8364?\u162? Intense focus on the
customer
\u226?\u8364?\u162? Strong risk
management focus}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991HPPT03.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Steadily-Growing National Mortgage Lender}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991HPPT04.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Production Growth Drives Earnings Growth}\par
\pard {\cf1\fs20 Growth in production increases servicing portfolio}\par
\pard {\cf1\fs20 Growth in production increases servicing portfolio}\par
\pard {\cf1\fs20 Retention opportunities}\par
\pard {\cf1\fs20 Escrow deposits}\par
\pard {\cf1\fs20 Increasing loan portfolio balances provide a steady income stream}\par
\pard {\cf1\fs20 Ancillary businesses grow}\par
\pard {\cf1\fs20 Captive reinsurance}\par
\pard {\cf1\fs20 Tax services}\par
\pard {\cf1\fs20 Production growth also fuels cross-sell}\par
\pard {\cf1\fs20 Home Equity}\par
\pard {\cf1\fs20 Deposits}\par
\pard {\cf1\fs20 Consumer Loans}\par
\pard {\cf1\fs20 Credit Card}\par
\pard {\cf1\fs20 Production}\par
\pard {\cf1\fs20 Growth}\par
\pard {\cf1\fs20 Earnings}\par
\pard {\cf1\fs20 Earnings}\par
\pard {\cf1\fs20 Servicing}\par
\pard {\cf1\fs20 Servicing}\par
\pard {\cf1\fs20 Loan}\par
\pard {\cf1\fs20 Loan}\par
\pard {\cf1\fs20 Cross-}\par
\pard {\cf1\fs20 Cross-}\par
\pard {\cf1\fs20 Ancillary}\par
\pard {\cf1\fs20 Ancillary}\par
\pard {\cf1\fs20 New Customers}\par
\pard {\cf1\fs20 New Customers}\par
\pard {\cf1\fs20 MORTGAGE\u8217?S MAJOR STRATEGIES FOCUS ON PRODUCTION GROWTH}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991HPPT05.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Long Term Goal}\par
\pard {\cf1\fs20 How we achieve this:}\par
\pard {\cf1\fs20 Steadily ramp up the size of the sales force}\par
\pard {\cf1\fs20 Maintain a compelling value proposition to attract top sales talent}\par
\pard {\cf1\fs20 1Actual results could differ materially from those contained in or implied by such statements. A list of important factors that could affect actual results are listed on slide 1.}\par
\pard {\cf1\fs20 Continued Significant Gains in Market Share1}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991HPPT06.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Our Philosophy}\par
\pard {\cf1\fs20 People do business with people, not just brands.}\par
\pard {\cf1\fs20 People do business with people, not just brands.}\par
\pard {\cf1\fs20 We treat loan officers as our customers.}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991HPPT07.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Loan Officer Value Proposition}\par
\pard {\cf1\fs20 Keeps our loan officers in touch with customers and prospects}\par
\pard {\cf1\fs20 Keeps our loan officers in touch with customers and prospects}\par
\pard {\cf1\fs20 Multiple touch points throughout year, including:}\par
\pard {\cf1\fs20 Loan officer branded monthly statements}\par
\pard {\cf1\fs20 Quarterly newsletters}\par
\pard {\cf1\fs20 Keeping Our Customers For Life}\par
\pard {\cf1\fs20 The Loan Officer is the Relationship Manager}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991HPPT08.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 SunTrust Mortgage\u8217?s Sales Force Growth}\par
\pard {\cf1\fs20 Sales force excludes sales assistants.
1Mortgage Originator, April, 2006. \u8220?Top 200 2005 \u8211? Dollar Volume\u8221?.}\par
\pard {\cf1\fs20 SunTrust Mortgage Sales Force Growth = 40% CAGR}\par
\pard {\cf1\fs20 Results}\par
\pard {\cf1\fs20 Retained 98% of Top Producers}\par
\pard {\cf1\fs20 Average annual production per loan officer = $20MM}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991HPPT09.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 SunTrust Mortgage\u8217?s Consistent Growth}\par
\pard {\cf1\fs20 Market Share Source: Inside Mortgage Finance.}\par
\pard {\cf1\fs20 .95%}\par
\pard {\cf1\fs20 1.16%}\par
\pard {\cf1\fs20 1.23%}\par
\pard {\cf1\fs20 2.00%}\par
\pard {\cf1\fs20 SunTrust Mortgage Purchase Market Share}\par
\pard {\cf1\fs20 Sales Force Growth Drives Purchase Volume and Market Share Growth}\par
\pard {\cf1\fs20 $ Billions}\par
\pard {\cf1\fs20 SunTrust Mortgage Purchase Originations Growth = 36% CAGR}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991HPPT10.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Market Landscape: The Mortgage Industry}\par
\pard {\cf1\fs20 Purchase Originations CAGR = 10.3%}\par
\pard {\cf1\fs20 Sources: HUD Survey of Mortgage Lending Activity, Mortgage Bankers Association, and Federal Housing Finance.}\par
\pard {\cf1\fs20 $ Billions}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991HPPT11.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Up From:}\par
\pard {\cf1\fs20 Up From:}\par
\pard {\cf1\fs20 #18 in 2005}\par
\pard {\cf1\fs20 $ in Billions}\par
\pard {\cf1\fs20 The 3rd Fastest Growing Mortgage Company in 2005}\par
\pard {\cf1\fs20 National Market Share}\par
\pard {\cf1\fs20 Source: Inside Mortgage Finance.}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991HPPT12.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Up From #18 in 2004}\par
\pard {\cf1\fs20 Source: Inside Mortgage Finance.}\par
\pard {\cf1\fs20 $ in Billions}\par
\pard {\cf1\fs20 Purchase Market Share}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991HPPT13.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Regional Market Share and Ranking}\par
\pard {\cf1\fs20 1Actual results could differ materially from those contained in or implied by such statements. A list of important factors that could affect actual results are listed on slide 1.}\par
\pard {\cf1\fs20 1Actual results could differ materially from those contained in or implied by such statements. A list of important factors that could affect actual results are listed on slide 1.}\par
\pard {\cf1\fs20 Long-Term Goal: #1 originator in every footprint market1}\par
\pard {\cf1\fs20 Long-Term Goal: #1 originator in every footprint market1}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991HPPT14.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Market Manger is a tool that enables us to:}\par
\pard {\cf1\fs20 Market Manger is a tool that enables us to:}\par
\pard {\cf1\fs20 Dive deep into our markets to quantify mortgage opportunities and set priorities}\par
\pard {\cf1\fs20 Market Data \u8211? Census, HMDA, Claritas, SunTrust Mortgage}\par
\pard {\cf1\fs20 Modeling Techniques}\par
\pard {\cf1\fs20 Sales Manager Knowledge}\par
\pard {\cf1\fs20 Anticipate and prepare in advance for}\par
\pard {\cf1\fs20 rapidly changing and highly volatile}\par
\pard {\cf1\fs20 market conditions}\par
\pard {\cf1\fs20 Speed}\par
\pard {\cf1\fs20 Business Mix}\par
\pard {\cf1\fs20 Size of Sales force}\par
\pard {\cf1\fs20 Core Strengths: Mortgage Market Manager Program}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991HPPT15.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Key Differentiator: Intense Focus on the Customer}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991HPPT16.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Long Term Goals1}\par
\pard {\cf1\fs20 #1 in Service Quality by J. D. Power & Associates}\par
\pard {\cf1\fs20 Best Customer Retention Rate in the Industry}\par
\pard {\cf1\fs20 Average of 5 SunTrust Products for in-footprint SunTrust Mortgage Borrowers}\par
\pard {\cf1\fs20 1Actual results could differ materially from those contained in or implied by such statements. A list of important factors that could affect actual results are listed on slide 1.}\par
\pard {\cf1\fs20 SunTrust Mortgage\u8217?s Customer Focus}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991HPPT17.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 SunTrust Mortgage\u8217?s Focus: Customer Satisfaction}\par
\pard {\cf1\fs20 SunTrust Mortgage received the highest overall satisfaction index rating among mortgage servicing lenders examined in J.D. Power and Associates\u8217? 2005 Primary Mortgage Servicer Study.}\par
\pard {\cf1\fs20 Ranked # 1 in Servicing:}\par
\pard {\cf1\fs20 Ranked #2 in Origination:}\par
\pard {\cf1\fs20 Ranked #2 in Origination:}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991HPPT18.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Guaranteed Good Faith Estimate}\par
\pard {\cf1\fs20 Our guaranteed good faith estimate was well received in the market}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991HPPT19.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 SunTrust Mortgage\u8217?s Focus: Customer Retention}\par
\pard {\cf1\fs20 Source: PricewaterhouseCoopers\u8217? Quarterly Customer Retention Survey for the quarter ended September 30, 2005.}\par
\pard {\cf1\fs20 Ranked #2 in PwC\u8217?s Mortgage Customer Retention Survey}\par
\pard {\cf1\fs20 Ranked #2 in PwC\u8217?s Mortgage Customer Retention Survey}\par
\pard {\cf1\fs20 Retention Rate %}\par
\pard {\cf1\fs20 %}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991HPPT20.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Mortgage: Foundation for Customer Relationships}\par
\pard {\cf1\fs20 360o Partnerships}\par
\pard {\cf1\fs20 In 2005, Mortgage added 87,631 new households in the SunTrust footprint}\par
\pard {\cf1\fs20 $ Billions}\par
\pard {\cf1\fs20 + 172%}\par
\pard {\cf1\fs20 + 23%}\par
\pard {\cf1\fs20 1SunTrust legacy only.}\par
\pard {\cf1\fs20 1SunTrust legacy only.}\par
\pard {\cf1\fs20 2Actual results could differ materially from those contained in or implied by such statements. A list of important factors that could affect actual results are listed on slide 1.}\par
\pard {\cf1\fs20 2}\par
\pard {\cf1\fs20 2}\par
\pard {\cf1\fs20 Mortgage Referrals Driving Growth}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991HPPT21.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Mortgage: Foundation for Customer Relationships}\par
\pard {\cf1\fs20 360o Partnerships}\par
\pard {\cf1\fs20 $ Billions}\par
\pard {\cf1\fs20 1}\par
\pard {\cf1\fs20 1Actual results could differ materially from those contained in or implied by such statements. A list of important factors that could affect actual results are listed on slide 1.}\par
\pard {\cf1\fs20 LOB Referrals Driving Mortgage Production Growth}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991HPPT22.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Mortgage: Foundation for Customer Relationships}\par
\pard {\cf1\fs20 Today}\par
\pard {\cf1\fs20 SunTrust Mortgage\u8217?s Goal}\par
\pard {\cf1\fs20 Benefit}\par
\pard {\cf1\fs20 Represents Approximately $100 Billion in Mortgage Loans1}\par
\pard {\cf1\fs20 1Actual results could differ materially from those contained in or implied by such statements. A list of important factors that could affect actual results are listed on slide 1.}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991HPPT23.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Servicing Overview}\par
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\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991HPPT24.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Risk Management:
Our Balanced Business Strategy}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991HPPT25.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Strategy Highlights:}\par
\pard {\cf1\fs20 Strategy Highlights:}\par
\pard {\cf1\fs20 Retain Servicing associated with 90%+ of originated volume}\par
\pard {\cf1\fs20 Retain \u8220?Portfolio\u8221? production as held for investment: Hybrid (i.e. 3/1, 5/1, 7/1) ARMs, closed-end second lien mortgages, and construction-permanent loans}\par
\pard {\cf1\fs20 Sell whole loans servicing released for products which do not fit our risk profile}\par
\pard {\cf1\fs20 Use natural hedge of servicing and the mortgage portfolio to offset the cyclicality of loan origination business}\par
\pard {\cf1\fs20 Balanced Business Strategy}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991HPPT26.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Balanced Business Strategy}\par
\pard {\cf1\fs20 MSR Amortization increases due to faster prepayment, which decreases servicing income}\par
\pard {\cf1\fs20 MSR Amortization increases due to faster prepayment, which decreases servicing income}\par
\pard {\cf1\fs20 In a falling rate environment new production at higher margins offsets greater servicing asset amortization}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991HPPT27.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Balanced Business Strategy}\par
\pard {\cf1\fs20 Slower prepayment speeds result in lower mortgage servicing rights amortization}\par
\pard {\cf1\fs20 Slower prepayment speeds result in lower mortgage servicing rights amortization}\par
\pard {\cf1\fs20 SunTrust Mortgage uses selective servicing sales to reduce risk}\par
\pard {\cf1\fs20 Portfolio ARM products are desired by borrowers and balances grow}\par
\pard {\cf1\fs20 In a rising rate environment servicing income grows through slower prepayment speeds, offsetting lower production volumes and income}\par
\pard {\cf1\fs20 Profitability}\par
\pard {\cf1\fs20 Retail, Broker and Correspondent Production}\par
\pard {\cf1\fs20 Servicing & Portfolio}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991HPPT28.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 The Advantage of the
Natural Hedge vs. the Financial Hedge}\par
\pard {\cf1\fs20 MSRs represent 90 bps of non-portfolio balances \u8211? among lowest in the industry}\par
\pard {\cf1\fs20 MSRs represent 90 bps of non-portfolio balances \u8211? among lowest in the industry}\par
\pard {\cf1\fs20 MSR book value equals $681 million; market value exceeds $1 billion}\par
\pard {\cf1\fs20 Net positive value is a result of our balanced business approach \u8211? no cash hedge losses}\par
\pard {\cf1\fs20 Given the cyclical nature of the business, we believe it is prudent to reduce some of our risk to falling rates}\par
\pard {\cf1\fs20 1Actual results could differ materially from those contained in or implied by such statements. A list of important factors that could affect actual results are listed on slide 1.}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991HPPT29.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 SunTrust Mortgage: Diverse Origination Mix}\par
\pard {\cf1\fs20 Agency}\par
\pard {\cf1\fs20 Agency}\par
\pard {\cf1\fs20 SunTrust Bank Portfolio Programs}\par
\pard {\cf1\fs20 SunTrust Bank Portfolio Programs}\par
\pard {\cf1\fs20 Hybrid ARMs & Prime Second Mortgages}\par
\pard {\cf1\fs20 Prime & Jumbo Mortgages}\par
\pard {\cf1\fs20 Prime & Jumbo Mortgages}\par
\pard {\cf1\fs20 Sold as whole loans or securitized}\par
\pard {\cf1\fs20 W.A. Credit Score = 742}\par
\pard {\cf1\fs20 Alt A}\par
\pard {\cf1\fs20 Alt A}\par
\pard {\cf1\fs20 Sold to:}\par
\pard {\cf1\fs20 Fannie & Freddie}\par
\pard {\cf1\fs20 Whole Loan Investors}\par
\pard {\cf1\fs20 SunTrust Portfolio (Hybrids)}\par
\pard {\cf1\fs20 Securitized by SunTrust}\par
\pard {\cf1\fs20 W.A. Credit Score=705}\par
\pard {\cf1\fs20 W.A. LTV = 75%}\par
\pard {\cf1\fs20 W.A. CLTV = 90%}\par
\pard {\cf1\fs20 Purchase =70%}\par
\pard {\cf1\fs20 02/2006 Data}\par
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\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991HPPT30.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 SunTrust Mortgage Portfolio}\par
\pard {\cf1\fs20 Primarily invests in prime and Alt-A hybrid ARMs and second mortgages}\par
\pard {\cf1\fs20 No negative amortizing mortgages}\par
\pard {\cf1\fs20 No option ARMs}\par
\pard {\cf1\fs20 No sub-prime mortgages}\par
\pard {\cf1\fs20 Total Loan Portfolio: $28.9 Billion}\par
\pard {\cf1\fs20 Total Loan Portfolio: $28.9 Billion}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991HPPT31.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 SunTrust Mortgage Portfolio}\par
\pard {\cf1\fs20 W.A. Credit Score = 734}\par
\pard {\cf1\fs20 W.A. Credit Score = 734}\par
\pard {\cf1\fs20 Portfolio Loss Rates:}\par
\pard {\cf1\fs20 Portfolio Loss Rates:}\par
\pard {\cf1\fs20 (excludes interest receivable)}\par
\pard {\cf1\fs20 2003 0.019%}\par
\pard {\cf1\fs20 2004 0.021%}\par
\pard {\cf1\fs20 (as of 3/31/2006)}\par
\pard {\cf1\fs20 (as of 3/31/2006)}\par
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\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991HPPT32.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 To Manage Risks, we are
Investing in the Right People, Technology and Processes}\par
\pard {\cf1\fs20 Current (As-Is) State (averages based on site visit observation)}\par
\pard {\cf1\fs20 Borrower Contact}\par
\pard {\cf1\fs20 Application}\par
\pard {\cf1\fs20 Product Selection}\par
\pard {\cf1\fs20 AUS}\par
\pard {\cf1\fs20 Clear Conditions}\par
\pard {\cf1\fs20 Closing}\par
\pard {\cf1\fs20 Post - Closing}\par
\pard {\cf1\fs20 Ship to Investor}\par
\pard {\cf1\fs20 Cycle Time}\par
\pard {\cf1\fs20 Broker}\par
\pard {\cf1\fs20 Correspondent}\par
\pard {\cf1\fs20 Interim State (18 Months - October 2006)}\par
\pard {\cf1\fs20 Day 1}\par
\pard {\cf1\fs20 Day 1}\par
\pard {\cf1\fs20 Day 1}\par
\pard {\cf1\fs20 Day 6}\par
\pard {\cf1\fs20 Day 7}\par
\pard {\cf1\fs20 Day 13}\par
\pard {\cf1\fs20 Day 15}\par
\pard {\cf1\fs20 Day 1}\par
\pard {\cf1\fs20 Cycle Time}\par
\pard {\cf1\fs20 Cycle Time}\par
\pard {\cf1\fs20 Future (To-Be) State (End of 2008)}\par
\pard {\cf1\fs20 Day 1}\par
\pard {\cf1\fs20 Day 1}\par
\pard {\cf1\fs20 Day 4}\par
\pard {\cf1\fs20 Day 5}\par
\pard {\cf1\fs20 Day 5}\par
\pard {\cf1\fs20 Day 6}\par
\pard {\cf1\fs20 Day 1}\par
\pard {\cf1\fs20 Day 1}\par
\pard {\cf1\fs20 Business Process Changes}\par
\pard {\cf1\fs20 Mortgage Transformation Program}\par
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\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991HPPT33.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Industry Benchmarking}\par
\pard {\cf1\fs20 1Source: Wholesale Access Benchmarking of Production Revenue and Expense (Wholesale Access Mortgage Research & Consulting), FY05.}\par
\pard {\cf1\fs20 1Source: Wholesale Access Benchmarking of Production Revenue and Expense (Wholesale Access Mortgage Research & Consulting), FY05.}\par
\pard {\cf1\fs20 SunTrust Mortgage:}\par
\pard {\cf1\fs20 SunTrust Mortgage:}\par
\pard {\cf1\fs20 Retail Originations}\par
\pard {\cf1\fs20 Retail Originations}\par
\pard {\cf1\fs20 Broker Originations}\par
\pard {\cf1\fs20 Broker Originations}\par
\pard {\cf1\fs20 Correspondent Originations}\par
\pard {\cf1\fs20 Correspondent Originations}\par
\pard {\cf1\fs20 Mortgage Servicing}\par
\pard {\cf1\fs20 Mortgage Servicing}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991HPPT34.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 We are a steadily-growing national mortgage lender}\par
\pard {\cf1\fs20 We are a steadily-growing national mortgage lender}\par
\pard {\cf1\fs20 We operate our business with an intense customer focus, a key differentiator}\par
\pard {\cf1\fs20 Cross-selling in the mortgage channel is boosting overall growth and providing deeper penetration of customer relations}\par
\pard {\cf1\fs20 Our balanced business approach provides numerous benefits in various cycles}\par
\pard {\cf1\fs20 1Actual results could differ materially from those contained in or implied by such statements. A list of important factors that could affect actual results are listed on slide 1.}\par
\pard {\cf1\fs20 Goal: Long-term annual net income growth of 10-12%1}\par
\pard {\cf1\fs20 Key Takeaways}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991HPPT35.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 SunTrust Mortgage Line of Business}\par
\pard {\cf1\fs20 Sterling Edmunds, Jr.}\par
\pard {\cf1\fs20 Sterling Edmunds, Jr.}\par
\pard {\cf1\fs20 President and Chief Executive Officer}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991IPPT01.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 SunTrust Corporate and Investment Banking Line of Business}\par
\pard {\cf1\fs20 R. Charles Shufeldt}\par
\pard {\cf1\fs20 R. Charles Shufeldt}\par
\pard {\cf1\fs20 Corporate Executive Vice President}\par
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\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991IPPT02.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Today\u8217?s Messages}\par
\pard {\cf1\fs20 CIB has changed significantly from the business it was five years ago}\par
\pard {\cf1\fs20 CIB has changed significantly from the business it was five years ago}\par
\pard {\cf1\fs20 We were a Corporate Banking business that cross-sold capital markets products}\par
\pard {\cf1\fs20 We are now a Capital Markets business that leverages the commitment of capital}\par
\pard {\cf1\fs20 To drive future growth, we\u8217?re focused on developing products that meet the needs of our key client segments}\par
\pard {\cf1\fs20 CIB\u8217?s Debt Capital Markets is a growth business for SunTrust}\par
\pard {\cf1\fs20 Corporations want an alternative to the three mega-CIBs and the investment banking monolines}\par
\pard {\cf1\fs20 The exit of two major debt capital markets players (Bank One and Fleet) has created additional opportunities for SunTrust}\par
\pard {\cf1\fs20 A number of our products are in the early stages of development with great upside potential}\par
\pard {\cf1\fs20 Corporate Banking Client Base}\par
\pard {\cf1\fs20 Focus on growing Economic Profit and improving risk adjusted return on capital (\u8220?RAROC\u8221?)}\par
\pard {\cf1\fs20 Commercial and Wealth and Investment Management Client Bases}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991IPPT03.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Key Client Segments}\par
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\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991IPPT04.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 High Level Client Strategy}\par
\pard {\cf1\fs20 1Actual results could differ materially from those contained in or implied by such statements. A list of important factors that could affect actual results are listed on slide 1.}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991IPPT05.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 High Level Client Strategy}\par
\pard {\cf1\fs20 1Actual results could differ materially from those contained in or implied by such statements. A list of important factors that could affect actual results are listed on slide 1.}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991IPPT06.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Client Revenue Mix}\par
\pard {\cf1\fs20 1 Receivables Capital Management, which mainly consisted of factoring assets, was divested in 1Q 2005.}\par
\pard {\cf1\fs20 Growth opportunities exist in the Core Franchise, Commercial and Wealth and Investment Management segments}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991IPPT07.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Why SunTrust?}\par
\pard {\cf1\fs20 Here is what our clients told us1:}\par
\pard {\cf1\fs20 Intensely client focused}\par
\pard {\cf1\fs20 Intensely client focused}\par
\pard {\cf1\fs20 \u8220?understands our needs and challenges\u8221?}\par
\pard {\cf1\fs20 \u8220?focusing on long term success of our business as opposed to individual transactions\u8221?}\par
\pard {\cf1\fs20 \u8220?personal relationships and knowledge of our industry\u8221?}\par
\pard {\cf1\fs20 Size and regional approach}\par
\pard {\cf1\fs20 Great teamwork, more responsive, better execution}\par
\pard {\cf1\fs20 \u8220?size \u8211? not so large as to consider the client unimportant\u8221?}\par
\pard {\cf1\fs20 \u8220?extremely responsive and a highly experienced group of client managers and support personnel\u8221?}\par
\pard {\cf1\fs20 Strong balance sheet and willingness to commit capital}\par
\pard {\cf1\fs20 Consistent and reliable}\par
\pard {\cf1\fs20 1Quotes are from our 2006 Client Satisfaction Survey}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991IPPT08.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Key Product Areas}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991IPPT09.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Product View}\par
\pard {\cf1\fs20 CIB has a diversified product mix that has intentionally shifted away from credit over the past three years}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991IPPT10.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 High Level Product Strategy}\par
\pard {\cf1\fs20 Traditional Products}\par
\pard {\cf1\fs20 1Actual results could differ materially from those contained in or implied by such statements. A list of important factors that could affect actual results are listed on slide 1.}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991IPPT11.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 CIB \u8211? High Level Product Strategy}\par
\pard {\cf1\fs20 Capital Markets Products}\par
\pard {\cf1\fs20 1Actual results could differ materially from those contained in or implied by such statements. A list of important factors that could affect actual results are listed on slide 1.}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991IPPT12.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 CIB \u8211? High Level Product Strategy}\par
\pard {\cf1\fs20 Capital Markets Products}\par
\pard {\cf1\fs20 1Actual results could differ materially from those contained in or implied by such statements. A list of important factors that could affect actual results are listed on slide 1.}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991IPPT13.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 CIB \u8211? High Level Product Strategy}\par
\pard {\cf1\fs20 1Actual results could differ materially from those contained in or implied by such statements. A list of important factors that could affect actual results are listed on slide 1.}\par
\pard {\cf1\fs20 Capital Markets Products}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991IPPT14.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Debt Capital Markets \u8211? New Product Revenue}\par
\pard {\cf1\fs20 New Product Revenue as a % of Total Revenue}\par
\pard {\cf1\fs20 Expanded product capabilities are critical to meeting our client needs and meeting our revenue growth expectations}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991IPPT15.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 RAROC Driven Corporate Banking Strategy}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991IPPT16.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Corporate Banking \u8211? The Client Dimension}\par
\pard {\cf1\fs20 Product Revenues \u185? - 2005}\par
\pard {\cf1\fs20 Product Revenues \u185? - 2005}\par
\pard {\cf1\fs20 \u185? From RAROC/Customer Profitability System}\par
\pard {\cf1\fs20 Corporate Banking}\par
\pard {\cf1\fs20 Corporate Banking}\par
\pard {\cf1\fs20 Banking Groups}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991IPPT17.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Corporate Banking \u8211? RAROC/Customer Profitability}\par
\pard {\cf1\fs20 Key focus is on growing Economic Profit and RAROC returns in managing the Corporate Banking clients}\par
\pard {\cf1\fs20 Key focus is on growing Economic Profit and RAROC returns in managing the Corporate Banking clients}\par
\pard {\cf1\fs20 Fully loaded, client level, RAROC/Customer Profitability System helps us manage Economic Profit and RAROC returns}\par
\pard {\cf1\fs20 Credit Economic Capital captured at the obligor level}\par
\pard {\cf1\fs20 Captures all product revenue sources attributable to a client}\par
\pard {\cf1\fs20 Monthly reporting done at the Client and Client Manager level}\par
\pard {\cf1\fs20 RAROC decision support tool used to help with \u226?\u8364?\u732?what if\u8217? transaction scenarios}\par
\pard {\cf1\fs20 Clients with RAROCs below target are monitored}\par
\pard {\cf1\fs20 This information helps us understand our mutual relevance with a client and guides our strategic relationship planning}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991IPPT18.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Corporate Banking \u8211? The Results}\par
\pard {\cf1\fs20 RAROC Financial Performance \u185?}\par
\pard {\cf1\fs20 \u185? Source: RAROC/Customer Profitability System}\par
\pard {\cf1\fs20 \u185? Source: RAROC/Customer Profitability System}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991IPPT19.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Corporate Banking \u8211? Client Focus}\par
\pard {\cf1\fs20 The result has been a significant shift and reduction in our client base}\par
\pard {\cf1\fs20 14% overall decrease from 12/31/03}\par
\pard {\cf1\fs20 # of Clients Trend (Excluding Financial Services)}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991IPPT20.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Corporate Banking \u8211? Deepening Client Relationships}\par
\pard {\cf1\fs20 In-Focus Clients (Excluding Financial Services)}\par
\pard {\cf1\fs20 Product Revenue Segmentation by Quintiles (LTM March 2006)1}\par
\pard {\cf1\fs20 Good depth as 40% of clients generate approx. 80% of revenue. Opportunity exists in 3 thru 5 quintile to improve revenue}\par
\pard {\cf1\fs20 Average # of Products per Client}\par
\pard {\cf1\fs20 Average # of Products per Client}\par
\pard {\cf1\fs20 Strong penetration in top two quintiles. Opportunity to increase cross-sell in the bottom three}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991IPPT21.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Corporate Banking \u8211? New Business Revenue Trends}\par
\pard {\cf1\fs20 Average Top 10 Deals in 2005 = $6.5 million, represents significant growth in average Top 10 (2003-2005 CAGR \u226?\u8240?\u710? 58%)}\par
\pard {\cf1\fs20 Average Top 10 Deals in 2005 = $6.5 million, represents significant growth in average Top 10 (2003-2005 CAGR \u226?\u8240?\u710? 58%)}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991IPPT22.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 360o Initiative to Drive Capital Markets Sales}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991IPPT23.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Cross-sell of Capital Markets products to Commercial/Wealth and Investment Management LOBs}\par
\pard {\cf1\fs20 CIB\u8217?s major 360\u176? penetration initiative identified in early 2005 was the opportunity to increase cross-sells of Capital Markets products into the Commercial and Wealth and Investment Management LOBs}\par
\pard {\cf1\fs20 1Actual results could differ materially from those contained in or implied by such statements. A list of important factors that could affect actual results are listed on slide 1.}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991IPPT24.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 How We Are Achieving Our 360o}\par
\pard {\cf1\fs20 Capital Markets\u8217? Originations Focus}\par
\pard {\cf1\fs20 Team of 20 professionals located throughout the geographic footprint}\par
\pard {\cf1\fs20 Support RMs in building Strategic Business Partnerships}\par
\pard {\cf1\fs20 Support and co-deliver Strategic Reviews}\par
\pard {\cf1\fs20 Identify and screen Capital Markets product opportunities}\par
\pard {\cf1\fs20 Champion opportunities with Capital Markets product specialists}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991IPPT25.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Cross-sell of Capital Markets Products to Commercial/ Wealth and Investment Management Lines of Business}\par
\pard {\cf1\fs20 Cross-sales to the Commercial LOB:}\par
\pard {\cf1\fs20 Cross-sales to the Commercial LOB:}\par
\pard {\cf1\fs20 2005 = $61.9 million, up 67% over 20041}\par
\pard {\cf1\fs20 Cross-sales to Wealth and Investment Management LOB:}\par
\pard {\cf1\fs20 2005 = $16.5 million, up 99% over 20041}\par
\pard {\cf1\fs20 Total revenue cross-sold:}\par
\pard {\cf1\fs20 2005 = $78.4 million, up 73% over 20041}\par
\pard {\cf1\fs20 2006 cross-sale goal:}\par
\pard {\cf1\fs20 1Includes NCF in 2005, legacy SunTrust for 2004.}\par
\pard {\cf1\fs20 1Includes NCF in 2005, legacy SunTrust for 2004.}\par
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\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991IPPT26.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Key Takeaways}\par
\pard {\cf1\fs20 Goal: Long-term annual net income growth of 9-11%1}\par
\pard {\cf1\fs20 Growth will primarily be driven by Debt Capital Markets}\par
\pard {\cf1\fs20 Product revenue mix will continue to shift away from credit towards capital markets}\par
\pard {\cf1\fs20 Our key strategic focus in managing the Corporate Banking client base is on growing Economic Profit and RAROC returns}\par
\pard {\cf1\fs20 We are leveraging our success across the company by thinking 360\u176? and cross-selling Capital Markets products through other lines of business}\par
\pard {\cf1\fs20 1Actual results could differ materially from those contained in or implied by such statements. A list of important factors that could affect actual results are listed on slide 1.}\par
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\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991IPPT27.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 SunTrust Corporate and Investment Banking Line of Business}\par
\pard {\cf1\fs20 R. Charles Shufeldt}\par
\pard {\cf1\fs20 R. Charles Shufeldt}\par
\pard {\cf1\fs20 Corporate Executive Vice President}\par
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\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991JPPT01.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 SunTrust Banks, Inc.}\par
\pard {\cf1\fs20 Mark A. Chancy}\par
\pard {\cf1\fs20 Mark A. Chancy}\par
\pard {\cf1\fs20 Corporate Executive Vice President}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991JPPT02.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Building for Long-Term Growth}\par
\pard {\cf1\fs20 Current}\par
\pard {\cf1\fs20 1998/99}\par
\pard {\cf1\fs20 Focused on efficiency, ability to deliver common customer experience}\par
\pard {\cf1\fs20 Focused on efficiency, ability to deliver common customer experience}\par
\pard {\cf1\fs20 Implemented corporate strategy referred to as S3 + E2 = Selling, Serving, Sustaining client relationships with Excellence in Execution}\par
\pard {\cf1\fs20 Implemented corporate strategy referred to as S3 + E2 = Selling, Serving, Sustaining client relationships with Excellence in Execution}\par
\pard {\cf1\fs20 Placed highest priority on sales, cross-LOB referrals & client retention}\par
\pard {\cf1\fs20 Championed 360o relationships: profiling clients\u8217? financial services needs and accessing the breadth of SunTrust\u8217?s capabilities}\par
\pard {\cf1\fs20 Introduced new geographic structure and operating model}\par
\pard {\cf1\fs20 Introduced new geographic structure and operating model}\par
\pard {\cf1\fs20 Aligned top talent to key leadership positions}\par
\pard {\cf1\fs20 Extended footprint into key growth markets with Crestar merger}\par
\pard {\cf1\fs20 Extended footprint into key growth markets with Crestar merger}\par
\pard {\cf1\fs20 Collapsed 28 bank charters}\par
\pard {\cf1\fs20 Enhanced Franchise}\par
\pard {\cf1\fs20 One Bank}\par
\pard {\cf1\fs20 Take the Lead}\par
\pard {\cf1\fs20 Sales}\par
\pard {\cf1\fs20 Sales}\par
\pard {\cf1\fs20 Risk Optimization & Enhanced Operating Leverage}\par
\pard {\cf1\fs20 Focusing on loan spread improvements}\par
\pard {\cf1\fs20 Focusing on loan spread improvements}\par
\pard {\cf1\fs20 Institutionalizing Business Mix Management process to optimize long-term investments and financial performance}\par
\pard {\cf1\fs20 Identifying portfolios with opportunity for better risk-adjusted pricing, applying improved credit analytics and pricing tools}\par
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\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991JPPT03.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Key Investor Issues}\par
\pard {\cf1\fs20 Key Concerns:}\par
\pard {\cf1\fs20 Key Concerns:}\par
\pard {\cf1\fs20 Net interest margin, return on assets, and return on equity run below peer averages}\par
\pard {\cf1\fs20 Question SunTrust\u8217?s ability to effectively manage the risk/return tradeoff}\par
\pard {\cf1\fs20 Express concern over expense management discipline}\par
\pard {\cf1\fs20 Addressing the Issues:}\par
\pard {\cf1\fs20 The next phase of SunTrust\u8217?s long-term growth strategy has three main areas of focus:}\par
\pard {\cf1\fs20 Business Mix Management (BMM) \u8211? a process designed to optimize our long-term investments and enhance financial performance}\par
\pard {\cf1\fs20 Portfolio Management Committee \u8211? a process that will facilitate balance sheet/capital allocation to loan portfolios which provide enhanced risk-adjusted returns (Tom Freeman)}\par
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\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991JPPT04.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Shape the Company\u8217?s long-term view about the clients that we want to serve and the businesses we want to invest in}\par
\pard {\cf1\fs20 Periodically review our portfolio of businesses (30) to ensure that we are making the right investment choices}\par
\pard {\cf1\fs20 Periodically review our portfolio of businesses (30) to ensure that we are making the right investment choices}\par
\pard {\cf1\fs20 Have a view of what businesses are core to SunTrust\u8217?s long-term strategy that is validated by current and future performance and external perspectives}\par
\pard {\cf1\fs20 Evaluate risk-adjusted profitability data to inform strategic decisions}\par
\pard {\cf1\fs20 Provide high level corporate direction to enhance the one- and five-year planning/budgeting processes:}\par
\pard {\cf1\fs20 Relevance and importance to SunTrust\u8217?s overall mix of businesses}\par
\pard {\cf1\fs20 Differentiated expense growth rates based on where we want to focus investments}\par
\pard {\cf1\fs20 Objectives}\par
\pard {\cf1\fs20 Business Mix Management: Overview}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991JPPT05.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 The Company has segmented its five lines of business into 30 distinct sub-LOBs}\par
\pard {\cf1\fs20 Sub-Line of Business Descriptions}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991JPPT06.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Sub-Line of Business Descriptions}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991JPPT07.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 5-Year Model Development}\par
\pard {\cf1\fs20 JAN FEB MAR APR MAY JUN JUL AUG SEPT OCT NOV DEC}\par
\pard {\cf1\fs20 Peer Analysis}\par
\pard {\cf1\fs20 PAL}\par
\pard {\cf1\fs20 Biz Mix Mgt}\par
\pard {\cf1\fs20 Planning}\par
\pard {\cf1\fs20 Investment Mgt}\par
\pard {\cf1\fs20 Request investments, allocate funds, monitor investment performance}\par
\pard {\cf1\fs20 Profitability by LOBs and subLOBs}\par
\pard {\cf1\fs20 Tactical 2007 Plan}\par
\pard {\cf1\fs20 Peer Analysis}\par
\pard {\cf1\fs20 Profitability and Accountability Linkage (PAL)}\par
\pard {\cf1\fs20 What areas are we lagging relative to our peers?}\par
\pard {\cf1\fs20 What areas are we lagging relative to our peers?}\par
\pard {\cf1\fs20 What business levers should we focus to improve our position?}\par
\pard {\cf1\fs20 What is the profitability of our LOBs/subLOBs/products?}\par
\pard {\cf1\fs20 What is the profitability of our LOBs/subLOBs/products?}\par
\pard {\cf1\fs20 What are the historical growth rates of our LOBs/subLOBs?}\par
\pard {\cf1\fs20 Business Mix Management}\par
\pard {\cf1\fs20 What are the future business as usual (BAU) growth rates by LOB/subLOB (internal and external perspectives)?}\par
\pard {\cf1\fs20 What are the future business as usual (BAU) growth rates by LOB/subLOB (internal and external perspectives)?}\par
\pard {\cf1\fs20 What gaps exist between our BAU future and our target aspiration at corporate level?}\par
\pard {\cf1\fs20 How do our sub-LOBs rank relative to one another?}\par
\pard {\cf1\fs20 Planning}\par
\pard {\cf1\fs20 What are our priorities this year and in context to our 5-year plan?}\par
\pard {\cf1\fs20 What are our priorities this year and in context to our 5-year plan?}\par
\pard {\cf1\fs20 Investment Management}\par
\pard {\cf1\fs20 Where will we invest?}\par
\pard {\cf1\fs20 Where will we invest?}\par
\pard {\cf1\fs20 How are our investments performing?}\par
\pard {\cf1\fs20 Strategic 5 Year Plan}\par
\pard {\cf1\fs20 Investment Pools Set}\par
\pard {\cf1\fs20 Targets Set}\par
\pard {\cf1\fs20 Integrates peer analysis and risk-adjusted profitability data to help drive strategic decisions for target setting and investment allocation during the planning process}\par
\pard {\cf1\fs20 How BMM Integrates with Other SunTrust Initiatives}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991JPPT08.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 In order to exceed peer median and generate top quartile performance, a change from business as usual is required \u8211? significantly differentiating expenses and capital investments in selected growth businesses}\par
\pard {\cf1\fs20 Operating EPS Growth2 3}\par
\pard {\cf1\fs20 Operating EPS Growth2 3}\par
\pard {\cf1\fs20 Operating Leverage: Revenue/Expense Multiple2}\par
\pard {\cf1\fs20 Operating Revenue Growth2 3}\par
\pard {\cf1\fs20 2005}\par
\pard {\cf1\fs20 7.4%}\par
\pard {\cf1\fs20 7.4%}\par
\pard {\cf1\fs20 1.6x}\par
\pard {\cf1\fs20 6.4%}\par
\pard {\cf1\fs20 5 Year Goal1}\par
\pard {\cf1\fs20 9-11%}\par
\pard {\cf1\fs20 9-11%}\par
\pard {\cf1\fs20 1.5x}\par
\pard {\cf1\fs20 >7%}\par
\pard {\cf1\fs20 2010 BMM Optimized}\par
\pard {\cf1\fs20 Significant differentiation of investment in Sub LOBs}\par
\pard {\cf1\fs20 Significant differentiation of investment in Sub LOBs}\par
\pard {\cf1\fs20 Double digit growth in highly profitable businesses}\par
\pard {\cf1\fs20 Actual results could differ. Please see slide 1 for a list of important factors that could cause actual results to differ.}\par
\pard {\cf1\fs20 Actual results could differ. Please see slide 1 for a list of important factors that could cause actual results to differ.}\par
\pard {\cf1\fs20 Based on full-year, annual growth rates.}\par
\pard {\cf1\fs20 Reported EPS Growth was 5.4%. Reported revenue growth was 23.0%. Reconcilements are contained in the appendix.}\par
\pard {\cf1\fs20 For a discussion of factors which affect the comparability of the full year 2005 to the full year 2004, please refer to Management\u8217?s Discussion and Analysis in the Company\u8217?s Annual Report on Form 10-K for the period ended December 31, 2005 as filed with the SEC.}\par
\pard {\cf1\fs20 Potential Value of BMM to the Company}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991JPPT09.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 SunTrust Banks, Inc.}\par
\pard {\cf1\fs20 Thomas E. Freeman}\par
\pard {\cf1\fs20 Thomas E. Freeman}\par
\pard {\cf1\fs20 Corporate Executive Vice President}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991JPPT10.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Credit Risk: Asset Quality
and Allowance for Loan and Lease Loss Ratios}\par
\pard {\cf1\fs20 (period-end)}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991JPPT11.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Disciplined Credit Risk Management}\par
\pard {\cf1\fs20 Nonperforming Loans/Loans}\par
\pard {\cf1\fs20 * Peers include Amsouth, Bank of America, BB&T, Comerica, Fifth Third, First Horizon, Keycorp, M&T Bank, National City, PNC, Regions, US Bancorp, Wachovia and Wells Fargo. Numbers presented for peers are averages.}\par
\pard {\cf1\fs20 * Peers include Amsouth, Bank of America, BB&T, Comerica, Fifth Third, First Horizon, Keycorp, M&T Bank, National City, PNC, Regions, US Bancorp, Wachovia and Wells Fargo. Numbers presented for peers are averages.}\par
\pard {\cf1\fs20 %}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991JPPT12.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Disciplined Credit Risk Management}\par
\pard {\cf1\fs20 Loan Loss Reserve/Nonperforming Loans}\par
\pard {\cf1\fs20 %}\par
\pard {\cf1\fs20 * Peers include Amsouth, Bank of America, BB&T, Comerica, Fifth Third, First Horizon, Keycorp, M&T Bank, National City, PNC, Regions, US Bancorp, Wachovia and Wells Fargo.
Numbers presented for peers are averages.
Source: SNL Financial}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991JPPT13.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Net Charge-Offs/Average Loans}\par
\pard {\cf1\fs20 %}\par
\pard {\cf1\fs20 We are at cyclical lows in credit cycle; our expectation is for net charge-offs to trend upwards toward 15-25 bps in the 2nd half of 20061}\par
\pard {\cf1\fs20 1Actual results could differ materially from those contained in or implied by such statements. A list of important factors that could affect actual results are listed on slide 1.}\par
\pard {\cf1\fs20 * Peers include Amsouth, Bank of America, BB&T, Comerica, Fifth Third, First Horizon, Keycorp, M&T Bank, National City, PNC, Regions, US Bancorp, Wachovia and Wells Fargo.
Numbers presented for peers are averages.
Source: SNL Financial}\par
\pard {\cf1\fs20 Disciplined Credit Risk Management}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991JPPT14.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Credit Perspective: Loan Portfolio}\par
\pard {\cf1\fs20 $118.1B in outstanding loans at March 31, 2006}\par
\pard {\cf1\fs20 $118.1B in outstanding loans at March 31, 2006}\par
\pard {\cf1\fs20 12.6% loan growth 1Q 2006 over 1Q 2005 on average}\par
\pard {\cf1\fs20 1Q 2006 loan growth drivers \u8211? residential mortgage, home equity lines and construction lending}\par
\pard {\cf1\fs20 Commercial, Retail, and Mortgage LOB\u8217?s each hold 25-27% of the loan portfolio}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991JPPT15.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Credit Perspective: Real Estate Portfolio}\par
\pard {\cf1\fs20 Real Estate lending remains strong, though some slowing is expected due to rising rates. No material effects have been observed yet in our portfolios}\par
\pard {\cf1\fs20 Real Estate lending remains strong, though some slowing is expected due to rising rates. No material effects have been observed yet in our portfolios}\par
\pard {\cf1\fs20 Strong growth in low risk residential mortgages and home equity products has had the effect of reducing our ALLL/Loans coverage ratio, which now stands at 0.88%}\par
\pard {\cf1\fs20 As of March 31, 2006}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991JPPT16.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Another View of Loan Loss Reserve Adequacy}\par
\pard {\cf1\fs20 * Peers include Amsouth, Bank of America, BB&T, Comerica, Fifth Third, First Horizon, Keycorp, M&T Bank, National City, PNC, Regions, US Bancorp, Wachovia and Wells Fargo.
Numbers presented for peers are averages.}\par
\pard {\cf1\fs20 * Peers include Amsouth, Bank of America, BB&T, Comerica, Fifth Third, First Horizon, Keycorp, M&T Bank, National City, PNC, Regions, US Bancorp, Wachovia and Wells Fargo.
Numbers presented for peers are averages.}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991JPPT17.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Portfolio Management Committee}\par
\pard {\cf1\fs20 The Bank has established a formal process to periodically review credit portfolio performance by LOB, geography, industry, and counterparty risk concentrations. This data will be viewed in a risk/reward framework}\par
\pard {\cf1\fs20 The Bank has established a formal process to periodically review credit portfolio performance by LOB, geography, industry, and counterparty risk concentrations. This data will be viewed in a risk/reward framework}\par
\pard {\cf1\fs20 There are several key ways in which the new approach will add economic value:}\par
\pard {\cf1\fs20 Portfolio performance will be improved by a better understanding of the value creation process and the trade-offs required for optimal use of scarce or excess capital (regulatory and economic)}\par
\pard {\cf1\fs20 Pricing and origination strategies will be managed in a more dynamic manner using standardized, consistently applied and comprehensive metrics across our franchise}\par
\pard {\cf1\fs20 The Portfolio Management Committee has been formed to facilitate the most efficient use of SunTrust\u8217?s regulatory and economic capital resources}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991JPPT18.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Desired High-Level Outcomes}\par
\pard {\cf1\fs20 Leverage Economic Capital Usage:}\par
\pard {\cf1\fs20 Leverage Economic Capital Usage:}\par
\pard {\cf1\fs20 Optimize usage of available Credit Capital}\par
\pard {\cf1\fs20 Define Capital Allocation methodology and process}\par
\pard {\cf1\fs20 Align business strategies and incentives}\par
\pard {\cf1\fs20 Develop strategies to increase RAROC, ROE, Risk-Adjusted NIM}\par
\pard {\cf1\fs20 Tactical Improvement of Key Performance Metrics:}\par
\pard {\cf1\fs20 Understand options for short-term improvements}\par
\pard {\cf1\fs20 What-if capability for forecasting/simulation}\par
\pard {\cf1\fs20 Impact analysis on key metrics}\par
\pard {\cf1\fs20 Actionable tactics via:}\par
\pard {\cf1\fs20 LOB Marketing initiatives}\par
\pard {\cf1\fs20 Balance Sheet Management}\par
\pard {\cf1\fs20 Portfolio Management}\par
\pard {\cf1\fs20 Input from Credit into Financial Forecast}\par
\pard {\cf1\fs20 Credit Management:}\par
\pard {\cf1\fs20 Credit Policy implication review}\par
\pard {\cf1\fs20 Policy revision}\par
\pard {\cf1\fs20 Credit Process management}\par
\pard {\cf1\fs20 Credit origination internal controls}\par
\pard {\cf1\fs20 Compliance Monitoring regarding systems and data}\par
\pard {\cf1\fs20 Portfolio Measurement and Credit Capital Allocation}\par
\pard {\cf1\fs20 Risk appetite}\par
\pard {\cf1\fs20 Portfolio management metrics and methodology}\par
\pard {\cf1\fs20 Portfolio analytics}\par
\pard {\cf1\fs20 The Portfolio Management Committee is in the formative stages at SunTrust; however, three principal work tracks are under discussion/development}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991JPPT19.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Changing the Paradigm of Balance Sheet Management}\par
\pard {\cf1\fs20 Historical}\par
\pard {\cf1\fs20 Future}\par
\pard {\cf1\fs20 EPS growth is good as long as risk is low}\par
\pard {\cf1\fs20 Balance EPS objectives with other financial ratios (ROA, NIM, etc.)}\par
\pard {\cf1\fs20 Balance sheet usage driven by business line ability to originate}\par
\pard {\cf1\fs20 Largely \u226?\u8364?\u732?buy and hold\u8217? philosophy}\par
\pard {\cf1\fs20 Largely \u226?\u8364?\u732?buy and hold\u8217? philosophy}\par
\pard {\cf1\fs20 Balance sheet usage planned, monitored and actively managed, as a whole, through the Portfolio Management Committee and ALCO processes}\par
\pard {\cf1\fs20 Consideration of multiple alternatives for liquid asset classes. Promotion of specialization}\par
\pard {\cf1\fs20 Consideration of multiple alternatives for liquid asset classes. Promotion of specialization}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991JPPT20.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Current Projects in Portfolio Management Committee}\par
\pard {\cf1\fs20 Balance Home Equity production by reevaluating production channels, pricing disciplines, cross-sell requirements and underwriting guidelines. Identification of populations which meet more balanced risk/reward dynamics and development of effective marketing programs:}\par
\pard {\cf1\fs20 Balance Home Equity production by reevaluating production channels, pricing disciplines, cross-sell requirements and underwriting guidelines. Identification of populations which meet more balanced risk/reward dynamics and development of effective marketing programs:}\par
\pard {\cf1\fs20 Adjustments to acquisition criteria}\par
\pard {\cf1\fs20 Enhanced branch sales efforts}\par
\pard {\cf1\fs20 Examination of alternative acquisition strategies through broadened wholesale channels or portfolio purchases}\par
\pard {\cf1\fs20 Active management of the mortgage portfolio by evaluating its existing characteristics, modeling portfolio behaviors under various scenarios and developing a series of strategies about the ultimate size and composition of the portfolio}\par
\pard {\cf1\fs20 The process is focused on two current opportunities: Home Equity and Mortgage portfolios}\par
\pard {\cf1\fs20 1Actual results could differ materially from those contained in or implied by such statements. A list of important factors that could affect actual results are listed on slide 1.}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991JPPT21.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 SunTrust Banks, Inc.}\par
\pard {\cf1\fs20 David F. Dierker}\par
\pard {\cf1\fs20 David F. Dierker}\par
\pard {\cf1\fs20 Corporate Executive Vice President}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991JPPT22.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 SunTrust Efficiency and Productivity (STEP)}\par
\pard {\cf1\fs20 Six specific program \u8220?elements\u8221? or work streams\u226?\u8364?\u166?work plan refinement underway}\par
\pard {\cf1\fs20 Six specific program \u8220?elements\u8221? or work streams\u226?\u8364?\u166?work plan refinement underway}\par
\pard {\cf1\fs20 Work managed throughout the organization}\par
\pard {\cf1\fs20 Focused on select current expenses, major new investments and creating operating leverage}\par
\pard {\cf1\fs20 Create a sustainable platform for promoting future productivity improvements}\par
\pard {\cf1\fs20 STEP Elements}\par
\pard {\cf1\fs20 STEP Elements}\par
\pard {\cf1\fs20 Supplier Management}\par
\pard {\cf1\fs20 Corporate Real Estate}\par
\pard {\cf1\fs20 Outsourcing/Offshoring}\par
\pard {\cf1\fs20 Investment and Project Management Governance}\par
\pard {\cf1\fs20 Client Support Operating Leverage}\par
\pard {\cf1\fs20 2005 Expense Mix}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991JPPT23.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Supplier Management}\par
\pard {\cf1\fs20 SunTrust spends $1.4 billion annually (29% of total expenses) on goods and services}\par
\pard {\cf1\fs20 Historically}\par
\pard {\cf1\fs20 Historically}\par
\pard {\cf1\fs20 Managed supplier relationships de-centrally}\par
\pard {\cf1\fs20 Consolidated some aspects of contract management/monitoring}\par
\pard {\cf1\fs20 Installed a company-wide RFP process}\par
\pard {\cf1\fs20 Reduced total vendors to 33,000}\par
\pard {\cf1\fs20 STEP Supplier Management}\par
\pard {\cf1\fs20 Create commodity owner/vendor manager/sourcing specialist teams}\par
\pard {\cf1\fs20 Organize around 10 commodity types}\par
\pard {\cf1\fs20 Review 63 supplier relationships representing $500 million (37%)}\par
\pard {\cf1\fs20 Develop strategies to}\par
\pard {\cf1\fs20 Improve SunTrust/supplier processes to increase productivity and reduce total cost of ownership, not just price}\par
\pard {\cf1\fs20 Optimize SunTrust demand for services by simplifying requirements, demand aggregation and changing policy}\par
\pard {\cf1\fs20 Structure supplier relationships to optimize the number of suppliers, create pricing leverage, focus on MWBE spend and develop banking relationships with suppliers}\par
\pard {\cf1\fs20 Expense Type}\par
\pard {\cf1\fs20 Business Unit}\par
\pard {\cf1\fs20 Share of total goods & services expense by category}\par
\pard {\cf1\fs20 Excluding occupancy}\par
\pard {\cf1\fs20 Dec 2005 YTD Spend}\par
\pard {\cf1\fs20 Processing and professional services together consume over 50% of spend}\par
\pard {\cf1\fs20 Total Spend}\par
\pard {\cf1\fs20 Total Spend}\par
\pard {\cf1\fs20 Total spend}\par
\pard {\cf1\fs20 $1.4B}\par
\pard {\cf1\fs20 Share of Goods & Services}\par
\pard {\cf1\fs20 expense by business partner}\par
\pard {\cf1\fs20 SunTrust spend is primarily distributed amongst 7 business units that account for}\par
\pard {\cf1\fs20 90% of the spend}\par
\pard {\cf1\fs20 Mortgage}\par
\pard {\cf1\fs20 10%}\par
\pard {\cf1\fs20 Retail}\par
\pard {\cf1\fs20 14%}\par
\pard {\cf1\fs20 Others}\par
\pard {\cf1\fs20 10%}\par
\pard {\cf1\fs20 Marketing}\par
\pard {\cf1\fs20 6%}\par
\pard {\cf1\fs20 CIB}\par
\pard {\cf1\fs20 5%}\par
\pard {\cf1\fs20 EIS}\par
\pard {\cf1\fs20 33%}\par
\pard {\cf1\fs20 HR}\par
\pard {\cf1\fs20 12%}\par
\pard {\cf1\fs20 W&IM}\par
\pard {\cf1\fs20 10%}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991JPPT24.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Corporate Real Estate}\par
\pard {\cf1\fs20 Total occupancy expenses of $330 million in 2005}\par
\pard {\cf1\fs20 Total occupancy expenses of $330 million in 2005}\par
\pard {\cf1\fs20 Owned Facility Sale/Leaseback Review}\par
\pard {\cf1\fs20 Owned Facility Sale/Leaseback Review}\par
\pard {\cf1\fs20 Other Initiatives}\par
\pard {\cf1\fs20 Other Initiatives}\par
\pard {\cf1\fs20 Space Utilization}\par
\pard {\cf1\fs20 Space Utilization}\par
\pard {\cf1\fs20 Branches}\par
\pard {\cf1\fs20 Branches}\par
\pard {\cf1\fs20 Phase 1 - 100,000+ sq ft}\par
\pard {\cf1\fs20 Phase 2 - 25,000 to 100,000 sq ft}\par
\pard {\cf1\fs20 Utility Demand & Supply}\par
\pard {\cf1\fs20 Utility Demand & Supply}\par
\pard {\cf1\fs20 Workspace Alternatives}\par
\pard {\cf1\fs20 Workspace Alternatives}\par
\pard {\cf1\fs20 Facilities Scorecards}\par
\pard {\cf1\fs20 Facilities Scorecards}\par
\pard {\cf1\fs20 Space Standards review/recommendations}\par
\pard {\cf1\fs20 Major Office Buildings}\par
\pard {\cf1\fs20 Major Office Buildings}\par
\pard {\cf1\fs20 Phase 1 - Top ten buildings (150,000 + sq ft)}\par
\pard {\cf1\fs20 Phase 2 - 10,000 to 150,000 sq ft}\par
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\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991JPPT25.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Outsourcing/Offshoring}\par
\pard {\cf1\fs20 Steering Committee}\par
\pard {\cf1\fs20 Bob Coords}\par
\pard {\cf1\fs20 Sterling Edmunds}\par
\pard {\cf1\fs20 Tim Sullivan}\par
\pard {\cf1\fs20 Mimi Breeden}\par
\pard {\cf1\fs20 Mark Chancy}\par
\pard {\cf1\fs20 Charlie Shufeldt}\par
\pard {\cf1\fs20 Mark Pregmon}\par
\pard {\cf1\fs20 Tom Freeman}\par
\pard {\cf1\fs20 Gene Kirby}\par
\pard {\cf1\fs20 Dave Dierker}\par
\pard {\cf1\fs20 Linda Potter}\par
\pard {\cf1\fs20 Paul McDonough}\par
\pard {\cf1\fs20 Gay Abbott}\par
\pard {\cf1\fs20 Craig Kelly}\par
\pard {\cf1\fs20 Bill Rogers}\par
\pard {\cf1\fs20 GO Team}\par
\pard {\cf1\fs20 GO Team}\par
\pard {\cf1\fs20 Mark Pregmon}\par
\pard {\cf1\fs20 Mark Pregmon}\par
\pard {\cf1\fs20 Mike Hartness}\par
\pard {\cf1\fs20 Mike Hartness}\par
\pard {\cf1\fs20 Marvin Watts}\par
\pard {\cf1\fs20 Marvin Watts}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991JPPT26.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Investment and Project Management Governance
Linkage with Business Mix Management}\par
\pard {\cf1\fs20 Investment Prioritization}\par
\pard {\cf1\fs20 Investment Prioritization}\par
\pard {\cf1\fs20 Business mix management and other strategic work informs pool recommendations and major investment recommendations}\par
\pard {\cf1\fs20 Four Project Governance Groups}\par
\pard {\cf1\fs20 (PGGs)}\par
\pard {\cf1\fs20 Consumer Banking}\par
\pard {\cf1\fs20 Specialty Groups}\par
\pard {\cf1\fs20 Technology Infrastructure}\par
\pard {\cf1\fs20 Corporate Back Office}\par
\pard {\cf1\fs20 Project Management}\par
\pard {\cf1\fs20 Project Management}\par
\pard {\cf1\fs20 Project approval requires financial business case.}\par
\pard {\cf1\fs20 Project disciplines required depending upon:}\par
\pard {\cf1\fs20 - financial investment size}\par
\pard {\cf1\fs20 - strategic importance}\par
\pard {\cf1\fs20 - inherent risk}\par
\pard {\cf1\fs20 Project monitoring \u8220?Gates\u8221?}\par
\pard {\cf1\fs20 - Horizon}\par
\pard {\cf1\fs20 - Conceptual Assessment}\par
\pard {\cf1\fs20 - Design and Activation}\par
\pard {\cf1\fs20 Planning}\par
\pard {\cf1\fs20 - Delivery}\par
\pard {\cf1\fs20 Level 1 Programs/Projects}\par
\pard {\cf1\fs20 Level 1 Programs/Projects}\par
\pard {\cf1\fs20 Underway}\par
\pard {\cf1\fs20 SunTrust Enterprise Risk Program}\par
\pard {\cf1\fs20 Project 2010}\par
\pard {\cf1\fs20 ATM Replacement}\par
\pard {\cf1\fs20 Mortgage Transformation}\par
\pard {\cf1\fs20 Supercharge Home Equity}\par
\pard {\cf1\fs20 Wealth Transfer aka Retirement Journey}\par
\pard {\cf1\fs20 Content Management}\par
\pard {\cf1\fs20 Investment prioritization and project management disciplines are designed to allocate resources to initiatives based on strategic and financial value as well as provide stakeholder oversight to achieve value realization commitments}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991JPPT27.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Client Support Operating Leverage}\par
\pard {\cf1\fs20 Human Resources}\par
\pard {\cf1\fs20 Human Resources}\par
\pard {\cf1\fs20 Staffing}\par
\pard {\cf1\fs20 - Hiring activity increases over last three years accompanied by reduced cost per hire}\par
\pard {\cf1\fs20 - Improve linkage between technology and process design}\par
\pard {\cf1\fs20 - Create stronger partnerships within HR and throughout enterprise}\par
\pard {\cf1\fs20 - Manage with improved metrics and workforce planning}\par
\pard {\cf1\fs20 Employee OnBoarding}\par
\pard {\cf1\fs20 - Speed productive deployment of new hires}\par
\pard {\cf1\fs20 - Coordinate across company}\par
\pard {\cf1\fs20 Process Design and Management}\par
\pard {\cf1\fs20 Treasury Management}\par
\pard {\cf1\fs20 - Streamline process and make more client friendly}\par
\pard {\cf1\fs20 - Significantly improve client experience by reducing time to implement new products}\par
\pard {\cf1\fs20 Call Center and Online Consumer Deposit Account Opening}\par
\pard {\cf1\fs20 - Streamline account opening process}\par
\pard {\cf1\fs20 - Ultimately increase the yield on sales}\par
\pard {\cf1\fs20 Organization Optimization}\par
\pard {\cf1\fs20 Organization Optimization (planned)}\par
\pard {\cf1\fs20 - Spans of management control}\par
\pard {\cf1\fs20 Projects are underway to better support client development efforts through quality improvement and scalable platforms. Throughput-oriented metrics pilot project completed}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991JPPT28.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Client Contact Operating Leverage}\par
\pard {\cf1\fs20 Sales Force Quintiling}\par
\pard {\cf1\fs20 Sales Force Quintiling}\par
\pard {\cf1\fs20 All LOBs and STOLI}\par
\pard {\cf1\fs20 23 sales force types}\par
\pard {\cf1\fs20 Loan Spread Improvement}\par
\pard {\cf1\fs20 Loan Spread Improvement}\par
\pard {\cf1\fs20 Region level spread improvement estimates}\par
\pard {\cf1\fs20 Covers Retail, W&IM and Commercial LOBs including Real Estate Finance Group}\par
\pard {\cf1\fs20 Majority of the impact anticipated to be driven by Commercial LOB}\par
\pard {\cf1\fs20 Staffing Model Effectiveness}\par
\pard {\cf1\fs20 Staffing Model Effectiveness}\par
\pard {\cf1\fs20 Staffing model documentation and comparison}\par
\pard {\cf1\fs20 Region Efficiency Improvement}\par
\pard {\cf1\fs20 Region Efficiency Improvement}\par
\pard {\cf1\fs20 Internal peer group comparisons}\par
\pard {\cf1\fs20 Revenue per person}\par
\pard {\cf1\fs20 Expense per person}\par
\pard {\cf1\fs20 Performance per person}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991JPPT29.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Updated Outlook for 20061}\par
\pard {\cf1\fs20 Loans2}\par
\pard {\cf1\fs20 Loans2}\par
\pard {\cf1\fs20 Deposits2}\par
\pard {\cf1\fs20 Net Margin3}\par
\pard {\cf1\fs20 Net Interest Income2}\par
\pard {\cf1\fs20 Noninterest Income2}\par
\pard {\cf1\fs20 Noninterest Expense2}\par
\pard {\cf1\fs20 Net Charge-Offs4}\par
\pard {\cf1\fs20 High-single digits}\par
\pard {\cf1\fs20 High-single digits}\par
\pard {\cf1\fs20 Low to mid-single digits}\par
\pard {\cf1\fs20 Relatively stable around 3.10%}\par
\pard {\cf1\fs20 Mid-single digits}\par
\pard {\cf1\fs20 High-single digits}\par
\pard {\cf1\fs20 Mid-single digits}\par
\pard {\cf1\fs20 Low end of 25-35 bp range}\par
\pard {\cf1\fs20 Previous Outlook}\par
\pard {\cf1\fs20 Low-double digits}\par
\pard {\cf1\fs20 Low-double digits}\par
\pard {\cf1\fs20 Mid-single digits}\par
\pard {\cf1\fs20 3.00-3.10%}\par
\pard {\cf1\fs20 5-7%}\par
\pard {\cf1\fs20 High-single digits}\par
\pard {\cf1\fs20 6-8%}\par
\pard {\cf1\fs20 10-20 bp}\par
\pard {\cf1\fs20 Current Outlook}\par
\pard {\cf1\fs20 Better than expected loan growth driven by continued strength in mortgages}\par
\pard {\cf1\fs20 Better than expected loan growth driven by continued strength in mortgages}\par
\pard {\cf1\fs20 Stronger growth in higher-rate deposits (MMA and CD\u8217?s)}\par
\pard {\cf1\fs20 Driven lower by higher LHFS resulting from strong mortgage production and stronger overall loan growth, coupled with change in deposit mix}\par
\pard {\cf1\fs20 Driven by stronger loan growth}\par
\pard {\cf1\fs20 Mortgage-related income expected to remain strong}\par
\pard {\cf1\fs20 Running slightly higher than previous outlook due partially to volume-related expenses}\par
\pard {\cf1\fs20 Credit trends better than expected, but outlook is for NCO\u8217?s to trend towards 15-25 bps in 2nd half of year}\par
\pard {\cf1\fs20 1Actual results could differ materially from those contained in or implied by such statements. A list of important factors that could affect actual results are listed on slide 1.}\par
\pard {\cf1\fs20 1Actual results could differ materially from those contained in or implied by such statements. A list of important factors that could affect actual results are listed on slide 1.}\par
\pard {\cf1\fs20 2Year-over-year growth rates.}\par
\pard {\cf1\fs20 3 Outlook range covers remaining quarters in 2006 as well as the full year.}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991JPPT30.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Capital Management}\par
\pard {\cf1\fs20 Historically SunTrust has Returned 72% to Shareholders Through Dividends and Share Buybacks}\par
\pard {\cf1\fs20 %}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991JPPT31.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 SunTrust Banks, Inc.}\par
\pard {\cf1\fs20 Mark A. Chancy}\par
\pard {\cf1\fs20 Mark A. Chancy}\par
\pard {\cf1\fs20 Corporate Executive Vice President}\par
\pard {\cf1\fs20 Thomas E. Freeman}\par
\pard {\cf1\fs20 Thomas E. Freeman}\par
\pard {\cf1\fs20 Corporate Executive Vice President}\par
\pard {\cf1\fs20 David F. Dierker}\par
\pard {\cf1\fs20 David F. Dierker}\par
\pard {\cf1\fs20 Corporate Executive Vice President}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991KPPT01.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Conclusion}\par
\pard {\cf1\fs20 SunTrust Long-Term Financial Goals}\par
\pard {\cf1\fs20 5 Year Goal1}\par
\pard {\cf1\fs20 Primary Performance Metrics}\par
\pard {\cf1\fs20 Executing LOB strategies in the geographic units to acquire, retain and expand client relationships, leveraging our operating model differentiation}\par
\pard {\cf1\fs20 Executing LOB strategies in the geographic units to acquire, retain and expand client relationships, leveraging our operating model differentiation}\par
\pard {\cf1\fs20 Enhancing the depth and breadth of our management team and continued alignment against our long-term financial objectives, with the appropriate balance for short-term earnings achievement}\par
\pard {\cf1\fs20 Continued focus on internal productivity improvements to reduce costs and create investments for future growth}\par
\pard {\cf1\fs20 How We Get There}\par
\pard {\cf1\fs20 Actual results could differ. Please see slide 1 for a list of important factors that could cause actual results to differ.}\par
\pard {\cf1\fs20 Actual results could differ. Please see slide 1 for a list of important factors that could cause actual results to differ.}\par
\pard {\cf1\fs20 Based on full-year, annual growth rates.}\par
\pard {\cf1\fs20 EPS Growth2}\par
\pard {\cf1\fs20 EPS Growth2}\par
\pard {\cf1\fs20 Operating Leverage: Revenue/Expense Multiple2}\par
\pard {\cf1\fs20 Revenue Growth2}\par
\pard {\cf1\fs20 9-11%}\par
\pard {\cf1\fs20 9-11%}\par
\pard {\cf1\fs20 1.5x}\par
\pard {\cf1\fs20 >7%}\par
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\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991KPPT02.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Why SunTrust?}\par
\pard {\cf1\fs20 Execution against our unique operating model continues to prove its effectiveness as we are positioned well to provide big bank resources through a locally empowered management team}\par
\pard {\cf1\fs20 Execution against our unique operating model continues to prove its effectiveness as we are positioned well to provide big bank resources through a locally empowered management team}\par
\pard {\cf1\fs20 We have an experienced and proven management team who work effectively across business and product lines to deliver the best of SunTrust}\par
\pard {\cf1\fs20 We have the best footprint \u8211? we are in some of the fastest growing markets in the country}\par
\pard {\cf1\fs20 Our best in class sales culture has been generating above average growth across all of our markets and businesses}\par
\pard {\cf1\fs20 We have an increasingly diverse business mix that allows us to deliver a full relationship}\par
\pard {\cf1\fs20 We are disciplined in our approach to risk management, consistently maintain best-in-class credit quality}\par
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\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991KPPT03.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \li15\sb225 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb225 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991LPPT01.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Appendix}\par
\pard {\cf1\fs20 SunTrust presents total noninterest income and total revenue excluding realized securities gains/losses and the net gain on the sale of RCM assets. The Company believes total noninterest income and total revenue without securities gains/losses is more indicative of the Company\u8217?s performance because it isolates income that is primarily customer relationship and customer transaction driven. SunTrust further excludes the net gain on the sale of RCM assets because the Company believes the exclusion of the net gain is more indicative of normalized operations.}\par
\pard {\cf1\fs20 SunTrust presents selected financial data on a basis that excludes merger expense, which represent incremental costs to integrate the operations of National Commerce Financial ("NCF"). The Company also presents selected financial data that further excludes the net gain related to the sale of RCM assets. The Company believes the exclusion of these two measures is more reflective of normalized operations.}\par
\pard {\cf1\fs20 The Company presents noninterest expense before an impairment charge on Affordable Housing Properties, amortization of intangible assets and merger expense. The Company believes the exclusion of these measures provides better comparability and is more reflective of normalized operations.}\par
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\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991LPPT02.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Reconcilement of Non-GAAP Measures}\par
\pard \li15\sb185 \brdrt\brdrs\brdrw15\brdrcf2\brdrr\brdrs\brdrw15\brdrcf2\brdrb\brdrs\brdrw15\brdrcf2\brdrl\brdrs\brdrw15\brdrcf2\sl-45\qc \par
\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991LPPT03.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 Reconcilement of Non-GAAP Measures Continued}\par
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\pard \sb185 {\cf1\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2006/06/06/0000950136-06-004566_HTML_EXHIBIT991LPPT04.JPG"\\* MERGEFORMAT \\d }}}}\par
\pard \sb225 \sl-1 \par
\pard \sb225 {\cf1\fs20 December 31, 2005}\par
\pard {\cf1\fs20 Reconcilement of Non-GAAP Measures Continued}\par
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}