suntrust wealth and investment management line of business

SunTrust Wealth and Investment Management Line of Business

William H. Rogers, Jr.

Corporate Executive Vice President

Wealth and Investment Management Line of Business

0

The following should be read in conjunction with the financial statements, notes and other information contained in the Company’s Quarterly Report for the period ended March 31, 2006 on Form 10-Q and the 2005 Annual Report on Form 10-K.

This presentation includes non-GAAP financial measures to describe SunTrust’s performance. The reconciliation of those measures to GAAP measures can be found in the appendix of this presentation, as well as in SunTrust’s earnings press releases, which can be found on SunTrust’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 (“FTE”) 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.

This presentation contains forward-looking statements (within the meaning of the Private Securities Litigation Reform Act of 1995) which involve significant risks and uncertainties, and investors are cautioned against placing undue reliance on management’s expectations. The forward-looking statements are intended to be subject to the safe harbor protection provided by Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. Forward-looking statements include statements preceded by, followed by or that include the words “intends,” “believes,” “expects,”“anticipates,” “plans,” “estimates,” “goals,” “strategies,” “initiatives,” “opportunities,” or similar expressions or future conditional verbs such as “will,” “should,” “would,” and “could.” Actual results could differ materially from those contained in or implied by such statements for a variety of reasons including, but not limited to: changes in interest rates; changes in general business or economic conditions or the competitive banking environment; changes in credit conditions including customers’ ability to repay debt obligations; competitive pressures among local, regional, national, and international banks, thrifts credit unions, and other financial institutions; increases in the cost of funds resulting from customers pursuing alternatives to bank deposits or shifting from demand deposits to higher-cost products; significant changes in legislation or regulatory requirements, or the fiscal and monetary policies of the federal government and its agencies; significant changes in securities markets or markets for commercial or residential real estate; the Company’s success in managing its costs, including costs associated with the expansion of distribution channels and developing new ones; the potential that the Company may acquire other institutions or may be acquired by other institutions; the potential that the Company may divest certain portions of its business; hurricanes and other natural disasters; litigation; and changes in accounting principles, policies, or guidelines. These factors and othersare described in the Company’s Annual Report on Form 10-K under the heading “Risk Factors,” as supplemented by the Company’s Quarterly Report on Form 10-Q. The forward-looking statements in this presentation speak only as of the date of this presentation, and SunTrust does not undertake to update any forward-looking statement to reflect circumstances or events that occur after the statement is made.

1

89

Institutional Investment

Management

Our Composition

Private Wealth Management

Wealth and Investment Management

Retirement Services

Endowment & Foundation

Corporate Trust


SunTrust Investment Svcs

Sports & Entertainment

Personal Asset Management

International Wealth Management

Medical & Legal

90

Wealth and Investment Management: Who We Are

• Uniquely positioned to leverage investments made in our people, products and capabilities to achieve above market returns

• Provider of integrated solutions, sound investment management and a broad offering of investment and administrative products and services

• Financial planning and need identification is at the core of our strategy: Listen First

• Our goal is to be recognized as the Trusted Advisor guiding individual and institutional clients in achieving their financial goals

• Situated in the highest-growth banking footprint, with exceptional wealth creation and management dynamics

• Offer broad capabilities to meet client needs across lifecycles and client segments

91

Focus On Private Wealth Management


Management



Retirement Services


Corporate Trust






Medical & Legal

92

Building a Compelling Private Wealth Management Business and Team Model

2000

2002

2005

2001

Implemented team-based Private Client Services operating model (PCA)

Trust Fiduciary and Estate Settlement capabilities coupled with Bank Brokerage capabilities focus on affluent market with annuity and mutual fund fees

Ultra High Net Worth (UHNW) study reveals solid client base and low cost of new client acquisition. Acquire Family Office – AMA with brand relevant capabilities

Acquired Lighthouse Partners, a hedge fund provider, in order to expand investment alternatives to meet client needs

Expanded brokerage capabilities, focused on money management and the creation of a new outlet for client acquisitions. Acquired Robinson Humphrey and created the full-service brokerage firm, Alexander Key

Consolidated investment management unit under Personal Asset Management (PAM) while retaining local relationship focus. Enabled “best-in-class” investment platform

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

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

Created focus on Financial Planning with key positions in all Regions, centralized technology and provided training to clearly identify client needs

Building Private Wealth Management

Strong Trust Fiduciary and

Estate Settlement capabilities

coupled with Brokerage

Key acquisitions in Family-Office

and hedge fund

opportunities; Brokerage expansion

Further expand

specialty disciplines,

client capabilities

and the team-based operating

model

93

Private Wealth Management Capabilities

Personal Insurance

• Life Insurance Products

• Wealth Transfer

• Long-Term Care

Trust and Estate Administration

• Revocable and Irrevocable Trusts

• Estate Planning

• Estate Settlement

• Custodial Services

• Delaware Trust Company

• Offshore Trusts

Investment Management

• Portfolio Management for Equity

• Fixed Income

• Alternative Investments and Multi-Managers

• Stock Option Alternatives

Credit

• Jumbo Mortgage

• Home Equity Line

• Lines of Credit

• Letters of Credit

• Swing Loans

Real Estate and Special Asset

• Personal and Commercial Real Estate Property

• Timber Management

• Closely-Held Business Valuations

• 1031 Exchanges

Financial Planning

• Estate Tax Minimization

• Income Tax Strategies

• Probate Avoidance

Risk Management

• Collars

• Prepaid Forwards

• Covered Calls

Online Banking

• Portfolio View

• Online Statements

• Custom File Delivery

• Online Investing

Strategic investments have enabled Private Wealth Management to provide a breadth of capabilities

Client

94

Client-Centered Team Model

Trust Advisor Credit Advisor Full-Svc. Broker

Financial Planning

Product Specialists

Philanthropic Specialists

DerivativesCap Markets

InsuranceRet. Svcs. Spec.

Private Wealth Management’s client-centered team model was developed in order to establish the appropriate points of contact for multiple capabilities

Client

Client Advisor

95

Strategies for Client Acquisition and Retention

Private Wealth Management has developed strategies for addressing client needs at all levels of wealth

Investable Assets$250K $25MM

Investment Consultants

Private Financial Advisors


Domestic Wealth Management

Private Wealth Advisors

Wealth Management Advisory Centers International Wealth Management

Licensed Bankers

SunTrust Investment Services

Wealth Management Services

Asset ManagementAdvisors


96

Specializing in Our Client

Wealth and Investment Management acquired Asset Management Advisors, a premier builder and operator of family offices for ultra high net worth families

• Multi-Family Offices grew AUM at 26% during 2004-2005 whereas AMA grew at close to 40% in this same time frame.

• Attracted top talent from JP Morgan Private Bank and Citicorp

Relevance to our model is supported by success:

$500

$8,000

2001 2005

Assets Under Management (MM)

21

310

2001 2005

# of Families Supported

1,50

0%

15 T

imes $20

$26

2001 2005

Ave. Asset Value per Family (MM)

Asset Management Advisors (AMA) provides family office services for ultra high net worth clients within Private Wealth Management

30%

97

Specializing in Our Client

Dedicated specialty Private Wealth Management groups have been organized to unify support of targeted client segments


• Press release on March 28th

• Over the last two years, Sports & Entertainment total performance has grown at a compound annual growth rate of 45%

• 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

• SunTrust currently serves:• 18 Grammy winners• 30 NASCAR Nextel Cup Drivers• 23 Teams in the Grand Am Championship

Medical & Legal

• Press release on May 16th

• Currently serving over 18,000 Medical and Legal households, representing over $1B in investments

98

Specialization as an Opportunity

The growth opportunity for the client segments served by AMA, Sports & Entertainment and the Medical & Legal specialty groups is tremendous

� The U.S. High Net Worth (“HNW”) segments are

growing rapidly at 15-20% annually

� The opportunity in the U.S. HNW market is

tremendous and has positive implications for the

growth in the trust market

� The U.S. Ultra High Net Worth (“UHNW”)

market is large. Households control ~$15 trillion

or nearly three fifths of total U.S. financial wealth

� Having a distinct UHNW business is critical to

competing in the marketplace Source: McKinsey High Net Worth Investor Survey

� There are over 4,000 potential high net worth individuals within 5 major sports* that have been identified

– Major League Baseball = 950 (30 teams with 25 man rosters plus 200 minor league)

– National Basketball Association = 360 (30 teams with 12 man rosters)

– National Football League = 1,760 (32 teams with 55 man rosters)

– National Hockey League = 720 (30 teams with 24 man rosters)

– Professional Golfers Association = 200 (world rankings)

* 4,000 high net worth individuals refers to athletes from only 5 major sports. It does not include soccer, tennis, arena football, boxing, etc. Thisnumber also does not include managers, agents, attorneys, media personalities or other key players in the industry.

� In 2004, about one-quarter of law firms were located in Southeast region, with a large presence in Florida

� Small firms can compete by providing specialized expertise or operating in very local markets

Source: IBISWorld Industry Reports Oct. 2005 and First Research Industry Profiles

� Southeast region had largest concentration of physician establishments in 2002 and largest number of employees

� Key success factors include: loyal customer base and proximity to key markets/patients

Source: IBISWorld Industry Reports Sept. ‘05 and First Research Industry Profiles Nov. ’05

99

Leveraging the Franchise

1 Includes NCF.2 SunTrust legacy only.

Source: Claritas, Inc.: I-mark geo-demographic database.

� Wealth and Investment Management made 28,000 referrals to Retail in 20051

� Partnership established with Retail to support investment needs of branch clients. This partnership enabled 80,000 referrals to Wealth and Investment Management in 20052

� Partnership established with Commercial to address Business Owner private wealth needs

� Partnership established with SunTrust Investment Services (“STIS”) and Mortgage to encourage referrals from Mortgage clients to Private Wealth Management. Also, STIS is partnering with Mortgage to mine for other client penetration opportunities

SunTrust is located in the best footprint for continued growth and Private Wealth Management continues to leverage SunTrust to best meet client needs

CIB

WlthandInvest. Man.

Retail

Cmml

Mortgage

SunTrustClient

5.2%

33.5%

51.7%

118.0%

$0 - 500K $500K - 1MM $1MM - 2MM $2+MM

Wealth Band

Projected Client Segment Growth (SunTrust Footprint)

2005 - 2010

100

Retirement as an Opportunity

We continue to focus on client generation as well as further penetration of current clients

� Capture internal and external IRA rollover by utilizing available resources in our Rollover Solution Center

� Build retirement into SunTrust@Work to broaden existing relationships and develop new worksite relationships

� Create a delivery model to effectively serve business owners’ succession and retirement needs

� Integrate retirement into advisors’ existing planning tools

� Focus on employee education in order to drive asset acquisition

� Integrate retirement messages to build brand awareness of SunTrust retirement solutions

101

Private Wealth Management: 2006 in Review

Select Recent Highlights:

• SunTrust Investment Services has been awarded the Banking Insurance & Securities Association award for Excellence for Large Institution Program of the Year

• Voted “Best Bank to Deposit Your Royalty Check” by Music Row Magazine for three consecutive years

• Official bank of NASCAR and Grand American Road Racing

• 11 of top 50 consultants featured in the Bank Investment Consultant are SunTrust Investment Services employees

AMA

8%

SunTrust

Inv Svcs

35%

Domestic /

Intl

Wealth Mgmt

/ Sports &

Ent.

57%

Domestic /

Intl

Wealth Mgmt

/ Sports &

Ent.

74%

SunTrust

Inv Svcs

23%

AMA

3%

Total Assets Under Advisement as of 3/31/2006 - $101.1B

Q1 2006 Revenues - $238.4MM

102

Key Takeaways: Private Wealth Management

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

� Strength of our partnerships within the SunTrust Franchise (Commercial, Retail, Mortgage,

CIB, Endowment & Foundation, Retirement Services etc.)

� Located in the best footprint to serve the Baby Boomer market

� Leverage momentum gained through strategic investments

� Develop an increased share of wallet with the existing client base, focusing on clients

served in a single-product capacity

� Expansion of niche segment specializations (Sports, Entertainment, Motorsports, Medical,

Legal, International)

� Expansion of ultra high net worth client service capabilities

103

Focus On Institutional Investment Management


Management



Retirement Services


Corporate Trust






Medical & Legal

104

Building a World Class Money Manager and Institutional Services Provider

2000

2001

2003

2004

2005

SunTrust’s three institutional investment management subsidiaries

are consolidated into a single registered investment advisor, Trusco Capital Management, Inc. (“TCM”)

Institutional Sales for Endowment & Foundation and Retirement Services merged into Trusco Capital

TCM AUM exceeds $50 billion (12/31/03)

TCM acquires Seix Investment Advisors, Inc., a premier institutional fixed income manager

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

Integrated First Mercantile, a wholly owned subsidiary associated with the legacy NCF business

TCM AUM exceeds $70 billion (12/31/05)

Consolidated 3 separate

internal money

managers into one

Evolution of Institutional Investment Management

Acquired ZCI

(aggressive growth

manager) and Seix Advisors

(high yield core plus)

Further expand

disciplines and

capabilities

2006 STI Classic Funds exceed $35 billion (4/30/06)

105

Trusco Capital Management

1984 2005Organic Growth + Strategic Acquisitions + Product Development

2000Combined CAMCO (Richmond, VA), STI Capital (Orlando, FL) into Trusco

2004Acquired Zevenbergen (Seattle, WA) and Seix Advisors (Upper Saddle River, New Jersey)

$70 Billion

1992Launched STI Classic Mutual Fund Complex

Created Trusco Capital

Management Inc.

� Trusco Capital Management (TCM) has grown both organically and through acquisitions. Trusco continues to evaluate acquisitions that would be accretive to its business

� TCM is also continuing to grow organically by developing new products and services to meet the changing demands of institutional clients

3 Investment Products1 office

70 Investment Products8 Offices

Assets Under Management

106

Trusco Boutiques – Structure and Products

• Seix Advisors

• Core Fixed• Core Plus Fixed• Floating Rate Fixed• High Yield

• Trusco Core Growth Equity

• International • Large Cap Core• Mid-Cap Core• Large Cap Growth• Small Cap Growth• Large Cap Quantitative• Small Cap Quantitative

• Trusco Value Equity

• Large Cap Value• Mid-Cap Value• Small Cap Value

• Trusco Core Value

• Large Cap Core Value

• Trusco Short-Term & Liquidity Structured Products

• Money-Market & Enhanced Cash• Short-Term Fixed• Structured Portfolios

• Trusco Municipal Bond

• Intermediate Tax-Exempt Fixed• Core Tax-Exempt Fixed• High Net Worth Tax-Exempt Portfolios• Structured Tax-Exempt Portfolios

• Zevenbergen Capital Investments

• Aggressive Growth Equities• Emerging Growth Equities

• Performance Driven Culture

• Talented Investment Professionals

• Disciplined Investment Processes

• Autonomous and Independent Decision Making

• Broad array of competitive products

Trusco Capital Management BoutiquesTrusco Capital Management Boutiques

Total AUM (12/31/05) = $70.4 Billion

Equity AUM = $19.9 Billion

Fixed Income AUM = $29.7 Billion

Liquidity AUM = $20.8 Billion

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.

107

Institutional Services - Administrative Expertise

Retirement Services Endowment & Foundation Corporate Trust

• Retirement Services (RS) supports 1,614 plans, over 200,000 participants located in all 50 states and has $26.5B in assets under advisement.

• SunTrust Retirement Services offers comprehensive retirement planning, superior products and is recognized for its high touch, single point of contact service model.

• 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.

• This allows SunTrust to deliver plans with the most effective level of service regardless of plan size, location, etc.

• SunTrust partnered with its first nonprofit client in 1918 – still a client today.

• 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.

• E&F provides customized investment management and services for clients through our regional offices. These services include supporting client’s gifting strategies, charitable intent and community focus.

• Corporate Trust generates over $38 million in annual fees, and contributes more than $4 billion in AUM to the SunTrust Classic Funds.

• Corporate Trust provides Bond Administration, Escrow Administration, 1031 Exchange, Custody and Delaware Business Trust services.

• Corporate Trust clients are:• Tax-exempt entities

(municipal and not for profits) • Desire bond trustee and

escrow services on publicly sold debt, as well as custodial services.

• Taxable (corporate) entities• Includes public and private

companies, partnerships, real estate developers, banks in organization, and attorneys.

108

Creating Solutions Tailored for Institutions

Institutions

Fixed Income

• Liquidity & Short-Term Fixed

• Tax-Free Fixed

• High-Grade Taxable Fixed

• High-Yield Fixed

• Floating-Rate Bank Loans

Equity Management

• Value Equity: Large, Mid and Small Cap

• Growth Equity: Large, Mid and Small Cap

• International Equity

• Aggressive Growth Equity: Large Cap and SMID

STI Classic Funds

• Over $35B in AUM as of 4/30/06

• 6th largest bank-sponsored fund complex as of 12/31/05

• Comprised of 61 funds

• Independent board of trustees

Strategic Allocation Solutions

• Open Architecture Investments

• Client Needs Assessment

• Investment Policy Development

• Manager Due Diligence

• Portfolio Construction

• Reporting & Account Servicing

Retirement Services

• Defined Benefit (DB) Plans

• Defined Contribution (DC) Plans

• Rollover Solutions

• Advice/Managed Account

• Custody Services

Corporate Trust

• Bond Indenture Trustee

• Escrow Services

• 1031 Exchange Agent


• Planned Giving

• Grant Tracking and Grant Administration

• Custody & Master Custody

• Customized Investment Management choices for charitable assets and trusts

Institutional Investment Management intends to be recognized as a trusted advisor guiding institutional clients in achieving their financial goals

109

Diversified Product Offering and Sales Channels

ChannelsProducts/Services

• Separate Account Management

• Wrap Separately Managed Accounts

• Sub-Advisory

• STI Classic Funds

• Bundled (Management & Administration)

• Custody & Master Custody

Consultant

National Taft Hartley & Municipal

Institutional Intermediaries

Retail Intermediaries

SunTrust Franchise

Regional (For Profit & Not-For- Profit)

Intermediary & Wholesalers

Corporate & Investment Banking

Consultant Relations

Taft Hartley/Public Funds

Sales Teams

17

11

8

5

3

Service Teams

Investment Managers

Relationship Managers

56

78Direct Sales

110

Leverage the Franchise

� Rollover Solution Center is prepared to support the increased pool of internal IRA rollover candidates and the internal IRA capture

� Endowment & Foundation, Private Wealth Management and CIB have partnered to mine for new foundation opportunities

� Institutional Investment Management worked with SunTrust Investment Services and SunTrust Robinson Humphrey to introduce the Mountain View CLO-2006A offering

� Retirement Services, First Mercantile and Commercial have established a partnership to capture greater share of wealth management opportunities within Commercial Banking

SunTrust has many high quality corporate and institutional relationships who are potential clients of Institutional Investment Management

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

CIB

WlthandInvest. Man.

Retail

Cmml

Mortgage

SunTrustClient

111

Institutional Investment Management: 2006 in Review

TCM

34%

E&F

24%

Ret. Svcs

18%

First Merc.

3%

LHP

3%

Corp.

Trust

19%

LHP

11%

First Merc.

13%

Corp. Trust

11%

TCM

49%

E&F

15%

Ret. Svcs.

22%

Total Assets Under Advisement as of 3/31/2006 - $148.3B

Q1 2006 Revenues - $88.6MM

• More than 20 SunTrust Classic Funds received 4 stars or higher for 5-year returns at the end of 1st Quarter 2006 by Morningstar

• 58% of SunTrust Classic Equity Funds ranked A or B by Lipper for Q1 2006 and 1 year ending 3/31/2006

• 62% of SunTrust Classic Equity Funds ranked A or B by Lipper for 5 years ending 3/31/2006

• Lighthouse Partners was awarded the 2006 US MARHedge Performance Award in the Fund of Funds Single Strategy category (Lighthouse Credit Opportunities Fund)

• TCM Ranked Largest Manager of High Yield Bonds*

• TCM Ranked 8th Largest Manager of Endowment & Foundation Assets*

• TCM Ranked 19th Largest Manager of Active Domestic Equity*

* Source: Pension & Investments; May 29, 2006 Tax-exempt funds. All information believed to be reliable but accuracy not guaranteed.

Selected Recent Highlights:

112

Key Takeaways: Institutional Investment Management

Institutional Investment Management adds value to each client by leveraging the strengths of the entire organization, with unwavering commitment

• Ability to sell competitive proprietary

investment products independently and then

augment them with third party or non-

proprietary products to deliver comprehensive

investment solutions

• Seamlessly bundle and/or unbundle services

to meet the unique needs of a wide array of

institutional clients

• 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

• A talented, experienced and stable group of

investment professionals with a proven track

record who provide successful asset

management

• Continue to strengthen and expand

distribution channels

• Proven, successful track record

integrating money management firms

and professional talent

• Continue to build new products and

services to meet the current and

anticipated needs of institutions

Current Future

113

Coverage of the Wealth and Investment Management Market

Channels

SunTrust DistributionNetwork

Bundled & Unbundled Solutions

Family Office &Independent Private Wealth

Channel

Consultant, Direct & Intermediary

Channels

Institutional Market

• Retirement Services• Endowment & Foundations• Corporate Trust

SunTrust is uniquely positioned to approach multiple segments of the market and successfully compete with products and services tailored and packaged for each channel

Private Wealth


SunTrust Investment Svcs.




Medical & Legal

114

Manufacturer & Distributor – Meeting the Needs of Clients

Institutional Market

� SunTrust’s institutional money managers are able to distribute independently because their products and results are competitive and compelling

� 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

� In 2005, 35% of Investment Management sales were sourced from the Consultant & Intermediary Channels

� The 401(k) product, has 15 different mutual fund complexes with over 145 funds. We conduct extensive due diligence on all these funds, including our own

� SunTrust Investment Services is a distributor of both proprietary investments as well as non-proprietary products

� Personal Asset Management is primarily managing assets for the SunTrust client base using proprietary and non-proprietary asset management solutions

� Extensive due diligence process conducted on all funds

� Nearly 100% of AMA’s assets under management are sub-advised by third party managers

Private Wealth Market

SunTrust is successful in manufacturing competitive investment products as well as distributing proprietary and non-proprietary investment management

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

115

Gained Efficiencies and Improved Operating Leverage

As Wealth and Investment Management has grown, we have continued to focus on creating efficiencies while ensuring healthy growth

� Established the Wealth Management Advisory Centers in 2003 by completing the transfer of 5,500 accounts

• 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

• Implementation of the Advisory Centers provided a streamlined model for account support. The average capacity by Advisory Center Trust Advisor is 300 accounts

• 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

� Raised our capability to leverage growth in trust assets via therecent trust account conversion to the SEI Trust 3000 platform

� Sold the SunTrust Stock Transfer business

� Consolidated sales forces and maximized span of control

� Centralized back office functions from Chattanooga operations center

� Implementing more rigorous staffing models in all areas

� 91% additional income postings to

institutional accounts

� 312% more SunTrust Classic and

3rd Party Mutual Fund Trades

� 16% additional volume of DTC and

Fed Trades

40% reduction in core operations staff

Since 2001, we have increased

transaction volume in several areas,

while significantly reducing core

operations staff:

116

Looking Ahead

� We have established partnerships with all SunTrust Lines of Business

� SunTrust Operating Model supports operational excellence

� Team Operating Model is gaining momentum

� Developed significant non-proprietary distribution and manufacturing

� Early investments moving to the upside of the “J” curve

� Key investments have been made in our capabilities, talent, technology and risk management

� We are well positioned to maximize on current and future market dynamics

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

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

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.

SunTrust Wealth and Investment Management Line of Business

William H. Rogers, Jr.

Corporate Executive Vice President

Wealth and Investment Management Line of Business

suntrust wealth and investment management line of business

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