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SUNTRUST

EXECUTIVE
COMPENSATION
PROGRAM
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                                                            SUNTRUST BANKS, INC.
                                                            2004 STOCK PLAN

                                                            DIRECTOR
                                                            RESTRICTED STOCK
                                                            AGREEMENT

                                                            GRANT DATE:

SunTrust Banks, Inc. ("SunTrust"), a Georgia corporation, upon the
recommendation of the Governance and Nominating Committee of its Board of
Directors and pursuant to action of the Compensation Committee ("Committee") in
accordance with the SunTrust Banks, Inc. 2004 Stock Plan ("Plan"), has granted
restricted shares of SunTrust Common Stock, $1.00 par value ("Restricted
Stock"), upon the following terms as an incentive for Grantee to promote the
interests of SunTrust and its Subsidiaries.

     Name of Grantee

     Shares of Restricted Stock

     Fair Market Value Per Share

     Date of Grant

This Restricted Stock Agreement ("Stock Agreement") evidences this Grant, which
has been made subject to all the terms and conditions set forth on the attached
Terms and Conditions and in the Plan.

                                             SUNTRUST BANKS, INC.


                                             -----------------------------------
                                             Authorized Officer



SUNTRUST BANKS, INC.                                         GRANT DATE ________
2004 STOCK PLAN

                 TERMS AND CONDITIONS OF RESTRICTED STOCK GRANT

Section 1. EFFECTIVE DATE. This Grant of Restricted Stock to the Grantee is
effective as of ___________("Grant Date").

Section 2. VESTING. All shares of Restricted Stock subject to this Grant shall
vest on __________("Vesting Date"), provided that Grantee is an active member of
SunTrust's Board of Directors ("Board") on that date and such shares have not
previously vested or been forfeited pursuant to Section 3.

Section 3. ACCELERATED VESTING.

(a) If the Grantee's membership on the Board terminates prior to the Vesting
Date as a result of the Grantee's (i) death or (ii) Disability (as defined in
Section 22(e)(3) of the Internal Revenue Code of 1986, as amended (the "Code"))
or (iii) attainment of mandatory retirement age for Board members, then any
shares of Restricted Stock that are not then vested shall be vested pro rata on
the date of the Grantee's departure from the Board.

(b) If there is a Change in Control of SunTrust (as defined in the Plan)
followed by the involuntary termination of the Grantee's membership on the Board
prior to the Vesting Date and if such termination is not a Termination for
Cause, then any shares of Restricted Stock not previously vested or forfeited
shall become vested on the date of such termination. For purposes of this
Section 3(b), "Termination for Cause" means termination of membership on the
Board which is made primarily because of (i) Grantee's commission of a felony,
or Grantee's perpetration of a dishonest act, misappropriation of funds,
embezzlement, criminal conduct or common law fraud against SunTrust or any
Subsidiary, or (ii) any other willful act or omission which is materially
injurious to the financial condition or business reputation of SunTrust or any
Subsidiary.

(c) If the Grantee's membership on the Board terminates prior to the Vesting
Date for any reason other than those described in Section 3(a) or Section 3(b),
then any shares of Restricted Stock that are not then vested shall be completely
forfeited on the date of such termination.

(d) For purposes of Section 3(a) above, the pro rata calculation shall be made
by multiplying the number of shares of Restricted Stock that are not then vested
by a fraction, having a numerator equal to the number of days since the Grant
Date through the date of such termination of membership on the Board, and having
a denominator equal to the number of days from the Grant Date through the
Vesting Date.

Section 4. GRANTEE'S RIGHTS DURING RESTRICTED PERIOD.

(a) During any period when the shares of Restricted Stock are forfeitable, the
Grantee may generally exercise all the rights, powers, and privileges of a
shareholder with respect to such shares, including the right to vote such shares
and to receive all regular cash dividends and any Stock dividends, and such
other distributions as the Committee may designate in its sole discretion, that
are paid or distributed on such shares of Restricted Stock. Any Stock dividends
declared on a share of Restricted Stock shall be treated as part of the Grant of
Restricted Stock and shall be forfeited or become nonforfeitable at the same
time as the underlying Restricted Stock with respect to which such Stock
dividend was declared.

(b) No rights granted under the Plan or this Stock Agreement and no shares
issued pursuant to this Grant shall be deemed transferable by the Grantee other
than by will or by the laws of descent and distribution prior to the time the
Grantee's interest in such shares has become fully vested.

Section 5. DELIVERY OF VESTED SHARES.

(a) Shares of Restricted Stock that have vested in accordance with Section 2 or
Section 3 shall be transferred to the Grantee as soon as practicable after
vesting occurs.

(b) By accepting shares of Restricted Stock, the Grantee agrees not to sell such
shares at a time when applicable laws or SunTrust's rules prohibit a sale. This
restriction will apply as long as the Grantee is a director, employee or
consultant of SunTrust or a Subsidiary. Upon receipt of nonforfeitable shares
subject to this Stock Agreement, the Grantee agrees, if so requested by
SunTrust, to hold such shares for investment and not with a view of resale or
distribution to the public, and if requested by SunTrust, the Grantee must
deliver to SunTrust a written statement satisfactory to SunTrust to that effect.
The Committee may refuse to transfer any shares to Grantee for which Grantee
refuses to provide an appropriate statement.

(c) To the extent that Grantee does not vest in any shares of Restricted Stock,
all interest in such shares shall be forfeited. The Grantee has no right or
interest in any share of Restricted Stock that is forfeited.

Section 6. OTHER LAWS. SunTrust shall have the right to refuse to issue or
transfer any shares under this Stock Agreement if SunTrust acting in its
absolute discretion determines that the issuance or transfer of such Stock might
violate any applicable law or regulation.

Section 7. MISCELLANEOUS.

(a) This Stock Agreement shall be subject to all of the provisions, definitions,
terms and conditions set forth in the Plan, all of which are incorporated by
reference in this Stock Agreement.

(b) The Plan and this Stock Agreement shall be governed by the laws of the State
of Georgia (without regard to its choice-of-law provisions).