Certification of CFO & Corporate Exec Vice President pursuant to EES Act of 2008

I, Mark A. Chancy, Corporate Executive Vice President and Chief Financial Officer of the SunTrust Banks, Inc. (the “Company”), certify, based on my knowledge, that:

(i) The compensation committee of SunTrust Banks, Inc. has discussed, reviewed, and evaluated with the Chief Risk Officer at least every six months during the period beginning on September 14, 2009 and ending with the last day of the TARP recipient’s fiscal year containing that date (the applicable period), the senior executive officer (SEO) compensation plans and the employee compensation plans and the risks these plans pose to SunTrust Banks, Inc.;

(ii) The compensation committee of SunTrust Banks, Inc. has identified and limited during the applicable period any features of the SEO compensation plans that could lead SEOs to take unnecessary and excessive risks that could threaten the value of SunTrust Banks, Inc., and during that same applicable period has identified any features of the employee compensation plans that pose risks to SunTrust Banks, Inc. and has limited those features to ensure that SunTrust Banks, Inc. is not unnecessarily exposed to risks;

(iii) The compensation committee has reviewed, at least every six months during the applicable period, the terms of each employee compensation plan and identified any features of the plan that could encourage the manipulation of reported earnings of SunTrust Banks, Inc. to enhance the compensation of an employee, and has limited any such features;

(iv) The compensation committee of SunTrust Banks, Inc. will certify to the reviews of the SEO compensation plans and employee compensation plans required under (i) and (iii) above;

(v) The compensation committee of SunTrust Banks, Inc. will provide a narrative description of how it limited during any part of the most recently completed fiscal year that included a TARP period the features in

(vi) SunTrust Banks, Inc. has required that bonus payments, as defined in the regulations and guidance established under section 111 of EESA (bonus payments), of the SEOs and twenty next most highly compensated employees be subject to a recovery or “clawback” provision during any part of the most recently completed fiscal year that was a TARP period if the bonus payments were based on materially inaccurate financial statements or any other materially inaccurate performance metric criteria;

(vii) SunTrust Banks, Inc. has prohibited any golden parachute payment, as defined in the regulations and guidance established under Section 111 of EESA, to an SEO or any of the next five most highly compensated employees during the period beginning June 15, 2009 and ending with the last day of the TARP recipient’s fiscal year containing that date;

(viii) SunTrust Banks, Inc. has limited bonus payments to its applicable employees in accordance with section 111 of EESA and the regulations and guidance established thereunder during the period beginning on June 15, 2009 and ending with the last day of the TARP recipient’s fiscal year containing that date;

(ix) The board of directors of SunTrust Banks, Inc. established an excessive or luxury expenditures policy, as defined in the regulations and guidance established under section 111 of EESA, by September 14, 2009; this policy was provided to Treasury and

its primary regulatory agency; SunTrust Banks, Inc. and its employees have complied with this policy during the applicable period; and any expenses that, pursuant to this policy, required approval of the board of directors, a committee of the board of directors, an SEO, or an executive officer with a similar level of responsibility were properly approved;

(x) SunTrust Banks, Inc. will permit a non-binding shareholder resolution in compliance with any applicable federal securities rules and regulations on the disclosures provided under the federal securities laws related to SEO compensation paid or accrued during the period beginning on June 15, 2009 and ending with the last day of the TARP recipient’s fiscal year containing that date;

(xi) SunTrust Banks, Inc. will disclose the amount, nature, and justification for the offering during the period beginning on June 15, 2009 and ending with the last day of the TARP recipient’s fiscal year containing that date of any perquisites, as defined in the regulations and guidance established under section 111 of EESA, whose total value exceeds $25,000 for any employee who is subject to the bonus payment limitations identified in paragraph (viii);

(xii) SunTrust Banks, Inc. will disclose whether SunTrust Banks, Inc., the board of directors of SunTrust Banks, Inc., or the compensation committee of SunTrust Banks, Inc. has engaged during the period beginning on June 15, 2009 and ending with the last day of the TARP recipient’s fiscal year containing that date, a compensation consultant; and the services the compensation consultant or any affiliate of the compensation consultant provided during this period;

(xiii) SunTrust Banks, Inc. has prohibited the payment of any gross-ups, as defined in the regulations and guidance established under section 111 of EESA, to the SEOs and the next twenty most highly compensated employees during the period beginning on June 15, 2009 and ending with the last day of the TARP recipient’s fiscal year containing that date;

(xiv) SunTrust Banks, Inc. has substantially complied with all other requirements related to employee compensation that are provided in the agreement between SunTrust Banks, Inc. and Treasury, including any amendments;

(xv) SunTrust Banks, Inc. has submitted to Treasury a complete and accurate list of the SEOs and the twenty next most highly compensated employees for the current fiscal year and the most recently completed fiscal year, with the non-SEOs ranked in descending order of level of annual compensation, and with the name, title, and employer of each SEO and most highly compensated employee identified; and

(xvi) I understand that a knowing and willful false or fraudulent statement made in connection with this certification may be punished by fine, imprisonment, or both. (See, for example, 18 U.S.C. 1001.)

/s/ Mark A. Chancy

Mark A. Chancy,

Corporate Executive Vice President and
Chief Financial Officer