{\rtf1\ansi\ansicpg1252\uc1\deff0\deflang1033 {\colortbl\red0\green0\blue0;\red255\green255\blue255;\red128\green128\blue128;}{\fonttbl{\f2\fswiss Arial;}{\f1\fmodern Courier New;}{\f3\fdecor Symbol;}{\f0\froman Times New Roman;}{\f4\fnil Wingdings;}} {\info{\subject EDGAR Online Pro}{\version3}{\*\company EDGAR Online, Inc.}{\author EDGAR Online HTML to RTF Converter. Version 3.0}{\*\category \0000950136-05-003158.html}{\doccomm Source: EDGAR Online, Inc. \'a9 Copyright 2006. All rights reserved.}{\title SUNTRUST BANKS INC (Form: 8-K, Received: 05/31/2005 11:38:54)}} \paperh15840\paperw12240\margl360\margr360\margt360\margb360\headery0\footery360\sprstsp\sprsbsp\sprsspbf\sprslnsp\widowctrl\viewscale100 {\*\bkmkstart eolPage1}{\*\bkmkend eolPage1}\pard {\fs20 {\*\bkmkstart FIS_TOP_OF_DOCUMENT}{\*\bkmkend FIS_TOP_OF_DOCUMENT} {\*\bkmkstart FILE001_HTM}{\*\bkmkend FILE001_HTM} {\*\bkmkstart FIS_FORM}{\*\bkmkend FIS_FORM}}\par {\trowd\trleft0\clvertalc\cellx9030 \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2005/05/31/0000950136-05-003158_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \row} {\trowd\trleft0\clvertalc\clcbpat0\cellx9030 \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2005/05/31/0000950136-05-003158_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \row} {\trowd\trleft0\clvertalc\cellx9030 \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2005/05/31/0000950136-05-003158_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \row} {\trowd\trleft0\clvertalc\clcbpat0\cellx9030 \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2005/05/31/0000950136-05-003158_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \row} {\trowd\trleft0\clvertalc\cellx9030 \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2005/05/31/0000950136-05-003158_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \row} {\*\bkmkstart FIS_UNIDENTIFIED_TABLE}{\*\bkmkend FIS_UNIDENTIFIED_TABLE}\pard \cb1\cbpat1\qc \ri2396\sb240 {\fs36\b UNITED STATES\line SECURITIES AND EXCHANGE COMMISSION}\par \pard \cb1\cbpat1\qc \ri2396\sb120 {\fs20\b 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\line The Securities Exchange Act of 1934}\par \pard \cb1\cbpat1\qc \ri2396\sb120 {\fs20 Date of Report (Date of earliest event reported)\u160?\u160?\u160?\u160? {\ul May 25, 2005\u160?\u160?\u160?\u160?\u160?\u160?\u160?\u160?\u160?\u160?\u160?\u160?\u160?\u160?\u160?\u160?\u160?\u160?\u160?\u160?}}\par \pard \cb1\cbpat1\qc \ri2396\sb240 {\fs36\b SunTrust Banks, Inc.}\par \pard \cb1\cbpat1\qc \ri2396\sb120 {\fs16 (Exact name of registrant as specified in its charter)}\par \pard \sb120 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2005/05/31/0000950136-05-003158_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\par {\pard\sl-270\par} {\trowd\trleft952\clvertalc\clcbpat1\cellx1554 \clvertalc\clcbpat1\cellx2856 \clvertalc\clcbpat1\cellx3458 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"http://content.edgar-online.com/edgar_conv_img/2005/05/31/0000950136-05-003158_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl\qc \ri56 {\fs18\b 001-08918}\cell \pard \intbl\vertalc {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2005/05/31/0000950136-05-003158_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl\qc \ri56 {\fs18\b 58-1575035}\cell \row} {\trowd\trleft952\clbrdrb\brdrdb\brdrw45\brdrcf1\clcbpat1\cellx3458 \clvertalc\clcbpat1\cellx3478 \clbrdrb\brdrdb\brdrw45\brdrcf1\clcbpat1\cellx5598 \clvertalc\clcbpat1\cellx5618 \clbrdrb\brdrdb\brdrw45\brdrcf1\clcbpat1\cellx8077 \pard \intbl\qc \ri56 {\fs18 {\fs16\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/2005/05/31/0000950136-05-003158_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl\qc \ri56 {\fs18 {\fs16\nosupersub (Commission\line File Number)}}\cell \pard \intbl\vertalc {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2005/05/31/0000950136-05-003158_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl\qc \ri56 {\fs18 {\fs16\nosupersub (IRS Employer\line Identification No.)}}\cell \row} {\trowd\trleft952\clbrdrb\brdrdb\brdrw45\brdrcf1\clcbpat1\cellx3458 \clvertalc\clcbpat1\cellx3478 \clbrdrb\brdrdb\brdrw45\brdrcf1\clcbpat1\cellx5598 \clvertalc\clcbpat1\cellx5618 \clbrdrb\brdrdb\brdrw45\brdrcf1\clcbpat1\cellx8077 \pard \intbl \ri56 {\fs18 \u160?}\cell \pard \intbl\vertalc {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2005/05/31/0000950136-05-003158_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl \ri56 {\fs18 \u160?}\cell \pard \intbl\vertalc {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2005/05/31/0000950136-05-003158_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl \ri56 {\fs18 \u160?}\cell \row} {\trowd\trleft952\clbrdrb\brdrs\brdrw15\brdrcf0\clcbpat1\cellx5598 \clvertalc\clcbpat1\cellx5618 \clbrdrb\brdrs\brdrw15\brdrcf0\clcbpat1\cellx8077 \pard \intbl\qc \ri136 {\fs18\b 303 Peachtree St., N.E., Atlanta, Georgia}\cell \pard \intbl\vertalc {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2005/05/31/0000950136-05-003158_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl\qc \ri56 {\fs18\b 30308}\cell \row} {\trowd\trleft952\clbrdrb\brdrdb\brdrw45\brdrcf1\clcbpat1\cellx5598 \clvertalc\clcbpat1\cellx5618 \clbrdrb\brdrdb\brdrw45\brdrcf1\clcbpat1\cellx8077 \pard \intbl\qc \ri136 {\fs18 {\fs16\nosupersub (Address of principal executive offices)}}\cell \pard \intbl\vertalc {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2005/05/31/0000950136-05-003158_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl\qc \ri56 {\fs18 {\fs16\nosupersub (Zip Code)}}\cell \row} {\trowd\trleft952\clvertalc\clcbpat1\cellx1554 \clcbpat1\cellx8077 \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2005/05/31/0000950136-05-003158_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard\intbl\cell \row} \pard \cb1\cbpat1 \ri2396\sb120 {\fs20 Registrant's telephone number, including area code\u160?\u160?\u160?\u160? {\ul {\b (404) 588-7711} \u160?\u160?\u160?\u160?\u160?\u160?\u160?\u160?\u160?\u160?\u160?\u160?}}\par \pard \cb1\cbpat1\qc \ri2396\sb240 {\fs20\b \u160?\u160?\u160?\u160?\line ______________________________________________________________________________{\fs16 {\b0 \line (Former name or former address, if changed since last report)}}}\par \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_2}{\*\bkmkend FIS_UNIDENTIFIED_TABLE_2}\par {\trowd\trleft0\clvertalc\cellx474 \clvertalc\cellx9030 \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2005/05/31/0000950136-05-003158_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2005/05/31/0000950136-05-003158_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \row} {\trowd\trleft0\cellx474 \cellx9030 \pard \intbl \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2005/05/31/0000950136-05-003158_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\cellx475 \clvertalc\cellx9030 \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2005/05/31/0000950136-05-003158_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2005/05/31/0000950136-05-003158_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \row} {\trowd\trleft0\cellx475 \cellx9030 \pard \intbl \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2005/05/31/0000950136-05-003158_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\cellx474 \clvertalc\cellx9030 \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2005/05/31/0000950136-05-003158_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2005/05/31/0000950136-05-003158_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \row} {\trowd\trleft0\cellx474 \cellx9030 \pard \intbl \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2005/05/31/0000950136-05-003158_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\cellx474 \clvertalc\cellx9030 \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2005/05/31/0000950136-05-003158_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2005/05/31/0000950136-05-003158_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \row} {\trowd\trleft0\cellx474 \cellx9030 \pard \intbl \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2005/05/31/0000950136-05-003158_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 \cb1\cbpat1\fi400 \ri2396\sb120 {\fs20 \u160?\u160?\u160?\u160?}\par {\pard\sl-120\par} {\trowd\trleft0\clvertalc\cellx9030 \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2005/05/31/0000950136-05-003158_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \row} {\trowd\trleft0\clvertalc\clcbpat0\cellx9030 \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2005/05/31/0000950136-05-003158_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \row} {\trowd\trleft0\clvertalc\cellx9030 \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2005/05/31/0000950136-05-003158_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \row} {\trowd\trleft0\clvertalc\clcbpat0\cellx9030 \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2005/05/31/0000950136-05-003158_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \row} {\trowd\trleft0\clvertalc\cellx9030 \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2005/05/31/0000950136-05-003158_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\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 FIS_DISCLOSURE}{\*\bkmkend FIS_DISCLOSURE}}\par \pard \cb1\cbpat1 \ri2396\sb240 {\fs20\b Item 7.01 Regulation FD Disclosure.}\par \pard \cb1\cbpat1\fi400 \ri2396\sb120 {\fs20 On October 1, 2004 SunTrust Banks, Inc. ("Registrant") filed a Form 8-K under Item 8.01 thereof to report that it had completed its previously-announced merger between Registrant and National Commerce Financial Corporation, effective October 1, 2004. Attached hereto as Exhibit 99.1 is additional information regarding the merger of National Commerce Financial Corporation with and into Registrant and the merger of National Bank of Commerce, NBC Bank, FSB and SunTrust Bankcard, N.A. with and into SunTrust Bank. The information in the preceding paragraph, as well as Exhibit 99.1 referenced therein, shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933.}{\*\bkmkstart FIS_FINANCIAL_STATEMENTS_AND_EXHIBITS}{\*\bkmkend FIS_FINANCIAL_STATEMENTS_AND_EXHIBITS}\par \pard \cb1\cbpat1 \ri2396\sb240 {\fs20\b Item 9.01 Financial Statements and Exhibits.}\par \pard \ri2396\sb120 \cb1\cbpat1\sl-1\fi400 \par \pard \cb1\cbpat1\fi400 \ri2396\sb120 {\fs20 (c) Exhibits. The exhibits listed in the exhibit index are furnished pursuant to Regulation FD as part of this Current Report on Form 8-K and shall not be deemed filed for purposes of Section 18 of the Securities and Exchange Act of 1934.}\par {\trowd\trleft0\clvertalc\cellx738 \clvertalc\cellx9030 \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2005/05/31/0000950136-05-003158_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2005/05/31/0000950136-05-003158_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \row} {\trowd\trleft0\cellx738 \cellx9030 \pard \intbl \ri16 {\fs20 99.1\u160?}\cell \pard \intbl \ri16 {\fs20 Merger of National Bank of Commerce, NBC Bank, FSB and SunTrust Bankcard, N.A. with and into SunTrust Bank and Unaudited Proforma Condensed Combined Financial Information.}\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 FIS_SIGNATURES}{\*\bkmkend FIS_SIGNATURES}}\par \pard \cb1\cbpat1\qc \ri2396\sb240 {\fs20\b SIGNATURE}\par \pard \ri2396\sb120 \cb1\cbpat1\sl-1\fi400 \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\sl-120\par} {\trowd\trleft0\cellx4535 \cellx8895 \pard \intbl \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2005/05/31/0000950136-05-003158_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl \ri16 {\fs20 SUNTRUST BANKS, INC.\line \u160?\u160?\u160?\u160?\u160?\u160?\u160?\u160?\u160?\u160?\u160?\u160?\u160?\u160?\u160?(Registrant)}\cell \row} \pard \cb1\cbpat1 \ri2396\sb240 {\fs20 Date: May 25, 2005 {\expndtw2840\expnd0 \u160?\u160?} By:\u160?\u160?\u160?/s/ Kimberly N. Rhodes}\par {\pard\sl-120\par} {\trowd\trleft0\clvertalc\cellx3010 \cellx9030 \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2005/05/31/0000950136-05-003158_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard\intbl\cell \row} {\trowd\trleft0\clvertalc\cellx3010 \clvertalc\clcbpat0\cellx6020 \clvertalc\cellx9030 \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2005/05/31/0000950136-05-003158_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2005/05/31/0000950136-05-003158_SPACER.GIF"\\* MERGEFORMAT \\d }}} {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2005/05/31/0000950136-05-003158_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\cell \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2005/05/31/0000950136-05-003158_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \row} {\trowd\trleft0\clvertalc\cellx3010 \cellx9030 \pard \intbl\vertalc \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2005/05/31/0000950136-05-003158_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard\intbl\cell \row} {\trowd\trleft0\cellx4895 \cellx8895 \pard \intbl \ri16 {\fs20 {\field\fldedit{\*\fldinst { INCLUDEPICTURE "http://content.edgar-online.com/edgar_conv_img/2005/05/31/0000950136-05-003158_SPACER.GIF"\\* MERGEFORMAT \\d }}}}\pard\intbl\cell \pard \intbl \ri16 {\fs20 Kimberly N. Rhodes\line First Vice President and Senior Attorney}\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 }\par \pard \pagebb {\fs20 {\*\bkmkstart FILE002_HTM}{\*\bkmkend FILE002_HTM} {\*\bkmkstart FIS_EXHIBIT_99}{\*\bkmkend FIS_EXHIBIT_99}}\par \pard \ri446\sb175 {\f1\fs15 \line \line EXHIBIT 99.1\line \line \line \line MERGER OF NATIONAL COMMERCE FINANCIAL CORPORATION WITH AND INTO SUNTRUST BANKS,\line INC. ("SUNTRUST BANKS") AND MERGER OF NATIONAL BANK OF COMMERCE, NBC BANK, FSB\line AND SUNTRUST BANKCARD, N.A., WITH AND INTO SUNTRUST BANK (THE "BANK")\line \line Effective October 1, 2004, National Commerce Financial Corporation, a Tennessee\line corporation and a registered bank holding company ("NCF"), merged with and into\line SunTrust Banks, pursuant to the Agreement and Plan of Merger, dated as of May 7,\line 2004, between NCF and SunTrust Banks (the "Holding Company Merger"). As of June\line 30, 2004, NCF had total assets of $24.0 billion, total liabilities of $21.3\line billion and total shareholders' equity of $2.8 billion. As a result of the\line Holding Company Merger, SunTrust Banks issued approximately 76.4 million shares\line of common stock and paid an aggregate of $1.8 billion to the former shareholders\line of NCF.\line \line Effective April 22, 2005, SunTrust Banks merged National Bank of Commerce\line ("NBC"), which was the primary banking subsidiary of NCF, NBC Bank, FSB\line ("NBCFSB"), which was a thrift institution subsidiary of NCF, and SunTrust\line BankCard, N.A. ("BankCard"), which was SunTrust Banks' credit card bank\line subsidiary, with and into the Bank (the "Bank Mergers"). NBC was a national\line banking association with its main office in Memphis, Tennessee and had its\line operations headquarters in Durham, North Carolina. In certain markets, NBC\line operated under the name "Central Carolina Bank", or CCB, and "Wal-Mart Money\line Center by National Bank of Commerce". As of March 31, 2005, NBC offered\line commercial and retail banking, savings and trust services through 255 CCB\line offices located in North Carolina and South Carolina, 28 Wal-Mart Money Centers\line in Georgia and Tennessee, 179 NBC offices located in Tennessee, Mississippi,\line Arkansas, Georgia, Virginia and West Virginia and 12 El Banco branches located\line in Georgia. As of March 31, 2005, NBC had total assets of $27.8 billion, total\line liabilities of $20.6 billion and total equity capital of $7.2 billion. NBCFSB\line was a federal savings bank with its main office in DeSoto County, Mississippi,\line and with its operations headquartered in Memphis, Tennessee. As of March 31,\line 2005, NBCFSB offered primarily retail consumer banking services through three\line offices located in DeSoto County, Mississippi and two Wal-Mart Money Centers\line located in Florida. As of March 31, 2005, NBCFSB had total assets of $46.7\line million, total liabilities of $35.8 million and total equity capital of $10.9\line million. BankCard was a national bank with its main office in Orlando, Florida.\line BankCard was a limited purpose credit card bank that issued credit cards to\line small and middle market businesses. As of March 31, 2005, BankCard had total\line assets of $220 million, total liabilities of $187.3 million and total equity\line capital of $32.7 million.\line \line Each of NBC and BankCard filed Call Reports, and NBCFSB filed Thrift Financial\line Reports, with its primary federal regulator, ending with the Call Reports for\line the quarterly period ended March 31, 2005. Such Call Reports and Thrift\line Financial Reports are on file with, and publicly available upon written request\line to, the FDIC, 801 17th Street, N.W.,\line \line \line \line Washington, D.C. 20434, Attention: Public Information Center or by calling the\line FDIC at 1-202-416-6940.\line \line SELECTED UNAUDITED PRO FORMA CONDENSED COMBINED FINANCIAL INFORMATION\line \line The following unaudited pro forma condensed combined financial information has\line been prepared to reflect the Bank Mergers. The unaudited pro forma condensed\line combined balance sheet presents how the combined balance sheets of NBC, NBCFSB,\line BankCard and the Bank (the "Merged Banks") may have appeared had the businesses\line actually been combined as of March 31, 2005. The unaudited pro forma condensed\line combined income statements present how the combined income statements of the\line Merged Banks may have appeared had the businesses actually been combined as of\line January 1, 2004.\line \line The mergers of NBC and NBCFSB with and into the Bank were accounted for using\line the purchase method of accounting; accordingly, SunTrust Banks' cost to acquire\line NBC was allocated to the assets (including identifiable intangible assets such\line as core deposit intangibles) and liabilities at their respective fair values on\line the date the Holding Company Merger was consummated (October 1, 2004). The\line merger of BankCard with and into the Bank was accounted for on a pooling-like\line basis due to both entities being under common control.\line \line The unaudited pro forma condensed combined financial information is presented\line for informational purposes only. Certain amounts in the historical consolidated\line financial statements of NBC have been reclassified to conform with the Bank's\line historical financial information presentation. The unaudited pro forma condensed\line combined financial information presented in this document does not necessarily\line indicate the results of operations or the combined financial position that would\line have resulted had the merger been completed at the beginning of the applicable\line periods presented, nor is it indicative of the results of operations in future\line periods or the future financial position of the combined bank.\line \line The unaudited pro forma condensed combined financial information under the bank\line headings is based on the Call Reports of the Bank, BankCard and NBC and, with\line respect to NBCFSB, on its Thrift Financial Reports. The Call Reports of each of\line the Bank and NBC include the financial information of the Bank and its\line consolidated subsidiaries, and NBC and its consolidated subsidiaries,\line respectively.\line \line The unaudited pro forma condensed combined income statements do not reflect (a)\line anticipated expenses and nonrecurring charges that may result from the Holding\line Company Merger and the Bank Mergers, (b) estimated expense savings and revenue\line enhancements anticipated to result from the Holding Company Merger and the Bank\line Mergers and (c) any changes required or which may be required by any regulatory\line authority. The unaudited pro forma condensed combined financial information does\line not reflect the issuance of $200 million of 4.55% Fixed Rate Senior Global Bank\line Notes of the Bank due 2009 and $400 million of Floating Rate Senior Global Bank\line Notes of the Bank due 2009, which were both issued on May 25, 2005.\line \line \line 2\line \line \line \line \line {\*\bkmkstart FIS_UNIDENTIFIED_TABLE_3}{\*\bkmkend FIS_UNIDENTIFIED_TABLE_3}\line \line SUNTRUST BANK\line PRO FORMA CONDENSED COMBINED BALANCE SHEET\line MARCH 31, 2005\line (in thousands)\line