EX-99.1 2 dex991.htm SLIDE PACKAGE Slide Package
Driving Shareholder Value
James M. Wells III
President and Chief Executive Officer
BancAnalyst Association of Boston, Inc.  2007 Conference
November 9, 2007
Exhibit 99.1

1
The following should be read in conjunction with the financial statements, notes and other information contained in the Company’s 2006 Annual Report on Form 10-K, Quarterly
Reports on Form 10-Q, and Current Reports on Form 8-K.
This presentation may include non-GAAP financial measures to describe SunTrust’s performance.  The reconciliation of those measures to GAAP measures can be found 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 and net
interest margin 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.
The information in this presentation may contain forward-looking statements. Statements that do not describe historical or current facts, including statements about beliefs and
expectations,
and
in
particular
the
outlook
statements
provided
at
slide
19,
are
forward-looking
statements.
These
statements
often
include
the
words
“may,”
“could,”
“will,”
“should,”
“believes,”
“expects,”
“anticipates,”
“estimates,”
“intends,”
“plans,”
“targets,”
“initiatives,”
“potentially,”
“probably,”
“projects,”
“outlook”
or similar expressions.  Such statements are based
upon the current beliefs and expectations of SunTrust's management and on information currently available to management.  The forward looking statements are intended to be subject to
the
safe
harbor
provided
by
Section
27A
of
the
Securities
Act
of
1933
and
Section
21E
of
the
Securities
Exchange
Act
of
1934.
Such
statements
speak
as
of
the
date
hereof,
and
SunTrust
does
not
intend
to
update
the
statements
made
herein
or
to
update
the
reasons
why
actual
results
could
differ
from
those
contained
in
such
statements
in
light
of
new
information or future events.
Forward
looking
statements
are
subject
to
significant
risks
and
uncertainties.
Investors
are
cautioned
against
placing
undue
reliance
on
such
statements.
Actual
results
may
differ
materially from those set forth in the forward-looking statements. Factors that could cause SunTrust’s results to differ materially from those described in the forward-looking statements
can be found in the Company's 2006 Annual Report on Form 10-K, in the Company’s Quarterly Reports on Form 10-Q, and in the Current Reports on Form 8-K filed with the Securities
and Exchange Commission and available at the Securities and Exchange Commission's internet site (http://www.sec.gov). Those factors include: changes in general business or
economic conditions could have a material adverse effect on our financial condition and results of operations; our trading assets and financial instruments carried at fair value expose the
Company to certain market risks; changes in market interest rates or capital markets could adversely affect our revenues and expenses, the value of assets and obligations, costs of
capital,
or
liquidity;
the
fiscal
and
monetary
policies
of
the
federal
government
and
its
agencies
could
have
a
material
adverse
effect
on
our
earnings;
significant
changes
in
securities
markets or markets for commercial or residential real estate could harm our revenues and profitability; customers could pursue alternatives to bank deposits, causing us to lose a relatively
inexpensive source of funding; customers may decide not to use banks to complete their financial transactions, which could affect net income; we have businesses other than banking,
which subjects us to a variety of risks; hurricanes and other natural disasters may adversely affect loan portfolios and operations and increase the cost of doing business; negative public
opinion could damage our reputation and adversely impact our business; we rely on other companies for key components of our business infrastructure; we rely on our systems,
employees and certain counterparties, and certain failures could
materially adversely affect our operations; we depend on the accuracy and completeness of information about clients
and counterparties; regulation by federal and state agencies could adversely affect our business, revenues, and profit margins; competition in the financial services industry is intense and
could result in losing business or reducing profit margins; future legislation could harm our competitive position; maintaining or increasing market share depends on market acceptance
and regulatory approval of new products and services; our ability to receive dividends from our subsidiaries accounts for most of our revenues and could affect our liquidity and ability to
pay dividends; significant legal actions could subject us to substantial uninsured liabilities; we have in the past and may in the future pursue acquisitions, which could affect costs and from
which we may not be able to realize anticipated benefits; we depend on the expertise of key personnel without whom our operations may suffer; we may be unable to hire or retain
additional qualified personnel and recruiting and compensation costs may increase as a result of turnover, both of which may increase costs and reduce profitability and may adversely
impact our ability to implement our business strategy; our accounting policies and methods are key to how we report financial condition and results of operations, and may require
management to make estimates about matters that are uncertain; changes in our accounting policies or in accounting standards could materially affect how we report our financial results
and condition; our stock price can be volatile; our disclosure controls and procedures may fail to prevent or detect all errors or acts of fraud; weakness in residential property values and
mortgage loan markets could adversely affect us; we may be required to repurchase mortgage loans or indemnify mortgage loan purchasers as a result of breaches of representations
and warranties, borrower fraud, or certain borrower defaults, which could harm our liquidity, results of operations and financial condition; and we may enter into transactions with off-
balance sheet entities affiliated with SunTrust or its subsidiaries which may cause us to recognize current or future losses.

2
Driving Shareholder Value
Financial Performance
Good progress in 3Q on fundamental performance in fee income, margin, and
expense management
Mortgage and fixed income valuations impacted 3Q results
Strength and Stability
The credit cycle appears to be turning and we believe SunTrust’s shareholders
will be well served by the Company’s legacy of disciplined credit risk
management
Growth Opportunities
SunTrust’s unique franchise, higher growth footprint, and focus on execution
provides attractive growth prospects for our five lines of business

3
Financial Performance

4
Financial Performance
3Q 2007 Income Statement Summary
($ in millions, except per share data)
Net Interest Income (FTE)
Provision for Loan Losses
Noninterest Income
Noninterest Income Excluding Net Securities
(Gains)/Losses and Net Gain on Sale of Bond
Trustee
Total Revenue (FTE)
Total Revenue (FTE) Excluding Net Securities
(Gains)/Losses and Net Gain on Sale of Bond
Trustee
Total Noninterest Expense
Total Noninterest Expense Excluding Severance
Provision for Income Taxes¹
Net Income Available to Common Shareholders
Net Income Available to Common Shareholders
Excluding Coke Gain
Diluted Net Income Per Average Common Share²
Diluted Net Income Per Average Common Share
Excluding Coke Gain²
3Q 2007
Sept 30, 2007
3Q 2006
% Change
Annualized
2Q 2007
Sept 30, 2006
% Change
Nine Months Ended
$1,219.2
0%
4%
$3,627.5
2%
147.0
NM
139%                         308.1
110%
819.1
NM
(5)%
2,852.7
10%
818.1
(44)%
(2)%
2,615.2
2%
2,038.4
(57)%
0%
6,480.1
5%
2,037.4
(19)%                          1%
6,242.7
2%
1,291.2
13%
7%
3,778.4
4%
1,246.2   
(2)%
3%
3,733.4
2%
152.9
NM
(26)%
695.2
2%
412.6
NM
(23)%                       1,600.5
(1)%
412.6
(88)%                     (23)%                      1,454.9                        (10)%
1.18
NM                      (20)%
4.52
2%
1.18
(81)%
(20)%                           4.11
(7)%
1.
Effective tax rate in 3Q 2007 was 26.7% versus 31.5% in 2Q 2007 due to: taxes paid on The Coke Cola Company gain in 2Q; the true
up of expense associated with the early termination of a capital security; and lower projected taxable income.
2.
Accelerated share repurchase totaling 9.5 million shares completed in 3Q 2007 with 8 million shares fully reflected and 1.5 million partially.  Severance impact of  $0.08 per share included in
results.
Note:  NM stands for not meaningful and indicates a large percentage change.
Despite challenging market conditions, SunTrust has
generated revenue growth and maintained expenses in 2007

5
Financial Performance 
Market Impacts and Noninterest Income
Capital Markets
Mortgage
Treasury
$    (121)
(88)
Total Loss                                $    (161)
Charges equate to $0.28 per share
Further declines in fixed income
values in September added to the 
$0.20 impact through August
The losses are largely unrealized, but
we do not expect a material recovery
in the short run
($ in millions)
Market Related Impact of $161 Million in 3Q 2007…
…Obscures Otherwise Solid Performance in Fee Income
Service charges up 10%
over 3Q 2006
Despite business sales,
Trust income up 1% over 3Q 2006 and 6% over 2Q 2007¹
Retail Investment income up 28%
over 3Q 2006
Mortgage Servicing income up 56%
over 3Q 2006
1.  Bond Trustee sale in 3Q 2006 and merger of Lighthouse Partners in 1Q 2007.
48

6
We believe our margin is lower than
peers due to our relatively conservative
loan mix
Three consecutive quarters of 8 bp
margin expansion
Additional expansion expected in 4Q
2007
1
Balance sheet shareholder value
initiatives driving growth
Recent actions include reducing lower
yielding securities and higher cost
wholesale deposits
Financial Performance
Net Interest Margin
Source:  SNL
Peers: BAC, BBT, FITB, KEY, NCC, PNC, RF, USB, WB and WFC. 
Peer numbers are medians.
63 bp
Difference
23 bp
Difference
Net Interest Margin
2.94%
3.02%
3.10%
3.18%
3.41%
3.57%
3.49%
3.43%
4Q 2006
1Q 2007
2Q 2007
3Q 2007
SunTrust
Peers
1.
Actual results could differ materially from those contained in or implied by such statements –
refer to slide 1 for a list of important factors that
could cause actual results to differ.

7
Financial Performance
Expense Management
E
2
is Driving Expense Growth Down…
$140.1 million in year-to-date realized gross cost savings, or 77% of 
2007 annual goal of $181 million
3Q 2007 run-rate savings of $59.5 million
On track to achieve $350 million 2008 goal; 2009 goal remains $530 million
…But Credit Related Operating Losses and Deposit Focused
Marketing are Impacting Expense Growth As Well
$ Change
3Q 2007
2Q 2007
3Q 2006
2Q 2007
3Q 2006
Total noninterest expense   $1,246.2     $1,251.2    $1,205.5  
$(5.0)         $40.7
excluding severance
Operating losses
1
$52.0          $29.1           $9.9     $22.9         $42.1
Marketing
$46.9          $43.3         $35.9       $3.6         $11.0
1.
Operating losses are included in the other expense line item in our financial statements.  3Q 2007 operating losses include an accrual of
approximately $27 million for fraud losses.  The accrual at the end of the quarter was approximately $20 million.

8
Strength and Stability

9
Commercial
$34,970    
29%
Residential
Mortgages
$31,604
   26%
Construction
$14,359     
12%
Home Equity
Lines     
$14,599    
12%
Commercial RE
$12,487       
10%
Indirect
$7,642 
7%
Direct
$4,419
4%
Loan Portfolio: $120,748
1
No material exposure to credit card or
other consumer unsecured lending
Commercial portfolios, which represent
39% of total loans, are performing well
overall
Residential Mortgage Portfolio
•
63% Core ARM and Jumbo with WA           
LTV of 73% and WA FICO of 729²
•
5% ($1.7 billion) Alt-A: $1.1 billion 
1
st
lien with WA LTV of 76%,  
remaining are insured 2nds²
•
No option ARM, originated sub-prime,
or negative amortizing loans
Home Equity Lines
•
WA FICO 734, 24% 1
st
lien, and 27
months average seasoning
•
87% lower risk origination channels
Construction Portfolio
•
27% commercial purpose
•
26% construction perm loans to
individuals
•
35% residential construction and A&D
(As of 9/30/07, in millions)
1.
Loan Portfolio also includes credit card balances which totaled $668 million.
2.
FICO scores are refreshed quarterly, and LTV’s are at origination.
Strength and Stability
Credit Perspective

10
3Q 2007 charge-off ratio of 34 bps
Through mid-year 2008, we anticipate
charge-offs will be in the 35-45 bps range
assuming no further material deterioration 
in the economy
50% of residential mortgage nonaccruals
are Alt-A, 64% are 1
st
lien with an average
LTV of
76%,
and
36%
are
insured
2
nd
liens
2
Remaining 50% of residential mortgage
NPL’s are primarily from Core portfolio
with typically lower LTV’s
Conclusion:  Ultimate loss content in
current NPL’s much less than balances
Allowance at 91 bps
is 2.7 times 3Q 2007
annualized charge-offs and 2.0 times high
end of 35-45 bps charge-off guidance
range for the next 3 quarters
(As of 9/30/07, in millions)
Strength and Stability
Credit Perspective
Consumer
$11
    1%
Commercial RE
$41
     4%
Construction
$158
    16%
Commercial
$74
    8%
Residential
Mortgages¹
$691
      71%
Nonaccrual Loans: $975
1.
Includes Home Equity lines on nonaccrual status.
2.
FICO scores are refreshed quarterly, and LTV’s are at origination.

11
Growth Opportunities

12
Market
Opportunities
Deposit focused campaign has helped increase year-to-date net new consumer
checking accounts by over 7%
Ranked Highest in Customer Satisfaction for Home Equity Line of Credit/Loan 
Servicers in 2007 by J.D. Power and Associates
Lowered cost per consumer loan serviced by 20% and cost per $ collected by 9% 
through improved productivity and effective use of offshoring
Goals
Continue to optimize branch network; opening approximately 40 new branches
Build 2008 marketing and advertising plans around checking household acquisition
Continued focus on growing SunTrust@work program (targets employees of 
commercial businesses for consumer banking relationships)
Increasing
investment
in
internet
channel
with
plans
to
launch
Online
Account
Opening
and Mobile Banking services in 2008
Strategies
&
Tactics
SunTrust’s footprint shows projected population growth above the U.S. national
average  
Deposit dollars are projected to grow at 4.3% annually in the SunTrust footprint over the
next 5 years.  This is 16% higher than the U.S. average
Over
70%
of
households
in
the
SunTrust
footprint
are
clustered
in
the
Upper
Affluent,
Lower Affluent, and Mass Market segments
Grow deposit households
Expand loss mitigation strategy to assist delinquent home equity clients and reduce
nonperforming loans
Hire 50 to 100 business bankers
Retail Growth Opportunities
2007
Successes
1.
SunTrust
received the highest numerical score in the proprietary J.D. Power and Associates 2007 Home Equity Line of Credit/Loan Servicer StudySM.
Study based on 4,964 total responses measuring 25
lenders and measures the service satisfaction of bank customers who obtained a home equity line of credit/loan in September 2006-May 2007.
Proprietary study results are based on experiences and perceptions
of consumers surveyed in June-August 2007.
Your experiences may vary.
Visit jdpower.com.
1

13
Strategies
&
Tactics
Market
Opportunities
Goals
Opportunity to expand business in under-penetrated markets
Opportunity to increase cross-sale of Treasury & Payments solutions, Private
Wealth Management, and Institutional Investment products
Deploy $100 million in New Markets Tax Credits
Increase
client
product
penetration
by
better
leveraging
client
data
and
improving
cross-selling success
Drive new client acquisition through Treasury & Payments focused calling efforts and
product marketing
Cross-sell deposit and cash management products to Commercial Real Estate clients
Enhance
speed
to
market
and
reduce
cost
of
loan
origination
via
full
implementation
of
credit resource center
Continue to grow deposits
Attain 20% lead bank market share
Increase deposits to 20% of loans versus 14% today in real estate client base
Commercial Growth Opportunities
2007
Successes
Capital Markets referrals up 25%
Treasury & Payment product sales up 11%
Over 1,400 referrals to Retail for SunTrust@work program
$100 million New Markets Tax Credits awarded by U.S. Treasury
1.  2007 successes % increases reflect the first three quarters of 2007 as compared to the same period in 2006.
1

14
Derivatives revenue up 22% led by a record 3rd Quarter
Structured Leasing revenue up 28%
Leasing revenue up 15%
Strategies
&
Tactics
Market
Opportunities
Goals
Increased market share in Investment Banking products with large corporate clients
In Commercial Banking, Capital Markets expects to increase market share in
Syndications, Derivatives, and M&A
In Wealth & Investment Management, Capital Markets expects to increase market  
share in Derivatives
Execute
our
new
STRH
integrated
Corporate
&
Investment
Banking
coverage
model
that
drives greater coordination of product and client groups and leverages recent
investments in people and capabilities in our Capital Markets platform
Increase the cross-sell of Capital Markets products in Commercial Banking and Wealth &
Investment Management with a new sales model that has product specialists located in 
key markets
Large corporate clients: increase the number of lead relationships and grow Capital
Markets revenue by ˜
20%
Commercial Banking: increase revenue by ˜
20% and improve the mix towards more
Investment Banking revenue
Wealth & Investment Management: increase revenue ˜
10-15% by improving the
alignment of business referral / compensation goals
Corporate & Investment Banking Growth Opportunities
2007
Successes¹
1.  2007 successes % increases reflect the first three quarters of 2007 as compared to the same period in 2006.

15
Added 178 Retail Loan Officers and 20 new branches
Held the #1 customer service ranking by JD Power & Associates for Mortgage
Origination business in 2007
#7 National Purchase lender as ranked by Inside Mortgage Finance for 2007
Selectively grow origination business through organic sales force growth and strategic
branch additions
Maintain
“balanced
business”
by
managing
mix
of
origination
and
servicing
Provide world class technology to our sales and support teams
Focus on credit management; increase credit risk and default management staffing
Industry
contraction
creating
opportunity
to
acquire
top
sales
talent
and
increase
market share
New product opportunities such as Reverse Mortgages
Strategies
&
Tactics
Market
Opportunities
Goals
Maintain 2008 origination volumes at near-2007 levels, despite expected 17%
industry decline
Grow servicing portfolio as appropriate to maintain balanced business model
Complete deployment of new mortgage origination technology to wholesale and retail
channels
Mortgage Growth Opportunities
2007
Successes

16
Market
Opportunities
Grow both AUA and AUM at or better than industry growth
Increase GenSpring AUM by 25%
Leverage our operating model to increase market share of business owners and
medical/legal professionals in our footprint
Maintain or increase two-thirds of funds in Lipper top two quartiles
Goals
Focus on business owners and medical/legal professionals for client acquisition and
cross sale opportunities
Complete
GenSpring
opportunistic
hiring,
de
novo
branching,
and
acquisitions
Increase third party distribution of asset management products
Implement Unified Management Assets (UMA) solution with the support of overlay
technology
Strategies
&
Tactics
The market is fragmented with the top 40 advisors averaging 1.25% market share
The creation of new wealth in the U.S. is being primarily driven by privately owned
businesses
25% of equity wealth projected to transfer over the next 5 years
Wealth & Investment Management Growth Opportunities
2007
Successes
Retail investment services income increased 22%
Approximately two-thirds of the STI Classic funds are in the top two Lipper quartiles
for 1, 3, and 5 year performance
GenSpring family offices re-branded (formerly AMA), opened a New York office,
hired
several
client
advisors,
and
acquired
TBK
Investments,
Inc.
increasing
AUA
by $1.4B with 64 new families
1.  2007 successes % increases reflect the first three quarters of 2007 as compared to the same period in 2006.
1

17
Driving Shareholder Value
Financial Performance
Good fee income growth excluding market impacts
Increasing margin
Continuing progress in reducing expense growth
Strength and Stability
Portfolio is well diversified with little exposure to consumer unsecured lending
Realizing risk in residential mortgage and home equity line portfolios, mostly from Alt-A and
higher LTV equity lines
In the third quarter, we began to recognize some stress in the residential portion of the
construction portfolio
NPL’s and losses have been trending up.  Based on 3Q NPL analysis, loss content appears
to be manageable at this time with reserves at 2.7x 3Q 2007 annualized charge-offs
Line of Business Growth Opportunities
Increasing focus on consumer and commercial household acquisition
Lead with checking and treasury solutions products
Realize greater cross-sale opportunities
Continue to invest in technology solutions that improve client service and efficiency
Selectively grow businesses and products

18
Appendix

19
Outlook
We do not expect a material near-term recovery of the losses associated with the mark-to-market
adjustments realized in 3Q 2007.
We expect further net interest margin expansion in 4Q 2007.
E²
Efficiency and Productivity Initiative:
•
We
anticipate
that
we
will
exceed
our
upwardly
revised
E
target
of
$181
million
in
estimated
gross
cost
savings
for 2007.
•
We are confident that we will achieve our $350 million gross cost savings goal in 2008.
•
Our 2009 gross cost savings goal remains $530 million.
Through mid-year 2008, we anticipate net charge-offs will be in the 35-45 basis point range assuming no
further material deterioration in the economy.
We experienced only a modest impact on financial results from additional deterioration in market values in
October.
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.
2.
Assumes no further material deterioration in the economy.
2
2
2
1

20
Additional Financial Disclosures
($ in millions)
3Q 2007
2Q 2007
Mortgage Production Income
Spread widening impact
$ (88)
Impact of eliminating FAS 91 fee deferral
$  30
$12
Mortgage Servicing Income
Revenue from sale of mortgage servicing rights
$  20
$12

21
Reconciliations
($ in millions, except per share data)
Net Securities (Gains)/Losses
Net Gain on Sale of Bond Trustee Business
Noninterest Income
Noninterest Income Excluding Net Securities (Gains)/
Losses and Net Gain on Sale of Bond Trustee
Business
Total Revenue (FTE)
Total Revenue (FTE) Excluding Net Securities (Gains)/
Losses and Net Gain on Sale of Bond Trustee
Business
Total Noninterest Expense
Severance
Total Noninterest Expense Excluding Severance
Net Income Available to Common Shareholders
Impact of Excluding Gain on Sale of Shares of the   
Coca-Cola Company
Net Income Available to Common Shareholders
Excluding Gain on Sale of Shares of The              
Coca-Cola Company
Diluted Net Income Per Average Common Share
Impact of Excluding Gain on Sale of Shares of The  
Coca-Cola Company
Diluted Net Income Per Average Common Share
Excluding Gain on Sale of Shares of The               
Coca-Cola Company
3Q 2007
Sept 30, 2007
3Q 2006
Sept 30, 2006
Nine Months Ended
$ (1.0)
$91.8
$(237.4)
$85.9
__
(112.8)
__
(112.8)
819.1
858.9
2,852.7
2,585.8
818.1
837.9
2,615.2                           2,558.9
2,038.4
2,032.8                             6,480.1            
6,149.1
2,037.4
2,011.8                             6,242.7            
6,122.2
1,291.2
1,205.5
3,778.4                          3,646.1
(45.0)
__
(45.0)                             __
1,246.2
1,205.5
3,733.4                          3,646.1
412.6
535.6
1,600.5                          1,611.1
__  
__
(145.5)
__            
412.6
535.6
1,454.9
1,611.1
1.18                             1.47                   
4.52                              4.42
__                                __                   
( 0.41)
__
1.18
1.47
4.11                              4.42

22
On November 2, 2007, SunTrust Banks, Inc. (NYSE: STI) and GB&T Bancshares, Inc. (NASDAQ: GBTB)
announced the signing of a definitive agreement under which SunTrust will acquire GB&T (the “Agreement”). 
The Agreement provides that GB&T will merge with and into SunTrust, with SunTrust continuing as the
surviving entity (the “Merger”), and that each issued and outstanding share of GB&T common stock
(excluding shares owned by GB&T or SunTrust) will be converted into the right to receive 0.1562 shares of
SunTrust common stock (the “Exchange Ratio”).  Cash will be paid in lieu of fractional shares. 
Where You Can Find Additional Information About The Merger
The proposed Merger will be submitted to GB&T’s shareholders for consideration. SunTrust will file a Form
S-4 Registration Statement, GB&T will file a Proxy Statement and both companies will file other relevant
documents regarding the Merger with the Securities and Exchange Commission (the “SEC”). GB&T will mail
the Proxy Statement/Prospectus to its shareholders. These documents, and any applicable amendments or
supplements, will contain important information about the Merger, and SunTrust and GB&T urge you to read
these documents when they become available.
You may obtain copies of all documents filed with the SEC regarding the Merger, free of charge, at the SEC’s
website (www.sec.gov). You may also obtain these documents free of charge from SunTrust’s website
(www.suntrust.com) under the heading “About SunTrust”
and then under the heading “Investor Relations”
and then under the item “Financial and Regulatory Filings.”
You may also obtain these documents, free of
charge, from GB&T’s website (www.gbtbancshares.com) under the section “Corporate Info”
and then under
the item “Corporation Information”
and then under the item “Documents.”
Participants in the Merger
SunTrust and GB&T and their respective directors and executive officers may be deemed participants in the
solicitation of proxies from GB&T’s shareholders in connection with the Merger. Information about the
directors and executive officers of SunTrust and GB&T and information about other persons who may be
deemed participants in the Merger will be included in the Proxy Statement/Prospectus. You can find
information about SunTrust’s executive officers and directors in its definitive proxy statement filed with the
SEC on March 2, 2007. You can find information about GB&T’s executive officers and directors in its
definitive proxy statement filed with the SEC on April 18, 2007.
You can obtain free copies of these
documents from the websites of SunTrust, GB&T or the SEC.

Driving Shareholder Value
James M. Wells III
President and Chief Executive Officer
BancAnalyst Association of Boston, Inc.  2007 Conference
November 9, 2007