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The SunTrust Privacy Policy
Protecting the Confidentiality of Our Clients' Information

Effective December 2007

At SunTrust, we recognize the sensitive nature of your financial information and take appropriate precautions to protect your privacy. When you entrust us with this information, you can be certain it will be used only within our strict guidelines:

SunTrust is required to provide our clients with a document illustrating the types of information we collect and the circumstances under which we may share it. This brochure describes those practices for all members of the SunTrust corporate family (for a complete listing of the firms, please see the About SunTrust section of our Web site).

This policy statement takes the place of any previous privacy policies issued by SunTrust Banks, Inc., or any of its subsidiaries. If, in addition to federal law, you are protected by specific state or local regulations concerning information sharing and marketing, SunTrust will fully comply with those regulations as well.

We hope you will read through all the details of SunTrust's official position on privacy. SunTrust uses information responsibly to provide you with the services you've requested; offer you other financial products and services; and make doing business with SunTrust more convenient for you.

The Kinds of Information We Collect

If you apply for a loan or a new account: We ask you to provide information about your financial status, such as employment, income, monthly expenses, and assets, as well as identifying information, such as your address, telephone number, and Social Security number.

In most cases, you give us this information yourself, in person, by mail, or through a Web site. If we need to know about your credit and repayment history, we also obtain information from consumer reporting agencies and other creditors.

If you apply for insurance: We ask you to provide information relevant to underwriting the specific insurance product. This information, such as your health or driving record, is not used for any purpose other than to provide the service and insurance applied for.

Once you become a client: We maintain information about your transactions including account balances, securities holdings, and repayment history.

For select accounts, we may collect limited health and medical information such as procedure codes, names of providers, service dates, etc., to deliver the services you requested. This information is not shared within the company.

In order to determine what types of services may be most valuable to you, we also obtain statistics and demographic information about current and prospective clients from marketing information firms.

How We Use This Information

The information we collect is used to help us deliver the services you've requested. It may also permit us to design and offer specific products and services that we believe will be useful to you and other clients.

Who Has Access to This Information?

Within SunTrust
SunTrust employees are permitted access to the information they need to perform their jobs on your behalf. We maintain strict internal policies against unauthorized disclosure or use of client information by employees.

SunTrust has a number of subsidiaries offering a wide variety of services, such as mortgage banking, securities brokerage, insurance sales, leasing, consumer finance, and many others. As permitted by law, information held by any SunTrust subsidiary is available to other members of the SunTrust corporate family for authorized purposes, unless a client has specifically requested otherwise. (See "How to Limit Information Sharing and Marketing.")

SunTrust Credit Cards
SunTrust partners with an external entity that issues and administers the SunTrust credit card program. SunTrust may engage another card issuer in similar fashion without further notice. In order to offer credit cards to our clients, it is important that we exchange certain client information with the card issuer. This may include:

The card issuer has agreed to strictly safeguard the confidentiality of this client information, and they are not permitted to share it with anyone else without our permission. (View the card issuer privacy policy.) Clients may request that SunTrust not share their information with the card issuer. (See "How to Limit Information Sharing and Marketing.") In such cases, the customer cannot be offered a SunTrust credit card.

If you elect to obtain a SunTrust credit card, please familiarize yourself with the card issuer's privacy policy as it may differ from the SunTrust policy.

Companies That You Ask Us to Share With
From time to time, we may make available the services of other financial firms, such as homeowner's insurance coverage for SunTrust Mortgage applicants. In these cases, SunTrust will get your written, online or verbal permission prior to sharing your information with the outside firm.

If you grant permission, it will apply only to the specific program or programs you consent to. If you have previously requested that we block the sharing of your information, that request will remain in place for all other situations.

Outside Service Providers
We have arrangements with companies whose experience is essential for our own services to operate properly. For example, we work with firms that execute securities transactions, enable Online Banking, and make account statements possible for SunTrust clients. These companies work at SunTrust's direction, and only receive the client information necessary for them to perform these functions. They are required to safeguard your information and only use it for authorized purposes, and within the guidelines established by SunTrust for the protection of client information.

Consumer Reporting Agencies (Credit Bureaus)
It is standard banking industry practice and within federal and state law for SunTrust to routinely provide data about client loan repayment and transactions to these agencies and other creditors. We may report information about your account(s) to credit bureaus. Late payments, missed payments, or other defaults on your account(s) may be reflected in your credit report.

Courts and Government Bodies
Certain federal and state laws may require us to share information about you. For example, if you are involved in a legal matter with a third party, we may be ordered to provide information to a court or other party. In these circumstances, only the specific information required by law, subpoena, or court order will be shared.

Former Clients
We may share information about former clients with SunTrust affiliates, marketing partners, and other third parties as described above. However, former clients can also elect not to have their information shared, even after their relationship with us ends.

How to Limit Information Sharing and Marketing

If you prefer, you may direct us not to share personal information about you that isn't publicly available, such as your income, account history, and credit score with our affiliates (and our card issuer). This is commonly known as "opting-out" of information sharing. There are several ways to opt-out:

  1. You can write to us at:

    SunTrust Privacy Preferences
    P.O. Box 305110
    Mail Code 7685
    Nashville, TN 37230-5110

    Please include your name, address (including ZIP code), telephone number, and the last six digits of your Social Security number with the request. Incomplete information will delay, or possibly prevent, our ability to honor your request.

  2. You can fax your request listing this same information to:
    615.232.1566, Attn: Privacy

  3. You can visit your nearest branch and speak with a client service representative

  4. You can call anytime toll-free to our automated Client Privacy Request line at 800.432.9472

  5. Or you can go to the Privacy section of our Web site and opt-out via our secure online form
By selecting "No Share" status, you restrict the use of your personal information in any marketing activities conducted by our affiliates. This exclusion does not apply, however, to any affiliates with which you currently do business or if you ask to receive information or offers from them.

If you are interested in restricting all marketing you receive from SunTrust, please request "No Direct Mail" and/or "No Telemarketing." By making these choices, you are directing SunTrust to remove you from lists used for direct mail and telephone solicitations. These offers are from SunTrust (with the exception of those from the card issuer) and usually include enhanced services and special offers. Once you make either selection ("No Direct Mail" and/or "No Telemarketing"), your name will be removed from these lists and you will no longer receive SunTrust solicitations in this manner.

An opt-out request is processed within 30 days of receipt.

Even if you elect not to have information shared or used for marketing, the Fair Credit Reporting Act and other laws allow us to share specific details about your transactions and experience with us. The use of this information is limited by federal law to specific permissible purposes, such as applications for credit, insurance or employment.

Clients Who Have Previously Opted-Out

If you have already submitted a request to opt-out of information sharing and marketing, there is no need to opt-out again. This designation is permanent and can only be removed with a written client request. This also applies if you've previously requested "No Direct Mail" and/or "No Telemarketing" status.

If you have opted-out in the past and now wish to opt-in – or remove the opt-out flag from your records – please write us.

How We Protect Your Privacy Online

There may be instances where SunTrust needs to treat your information differently than described in this policy when doing business with you online. In these cases, we will provide you with a clear, plain-language disclosure and obtain your authorization before proceeding. The authorization may come in the form of clicking on a disclosure, replying to an email, or enrolling in specialized online services. SunTrust will always protect your privacy in a manner that is consistent with the principles outlined in this policy.

For more complete details of SunTrust's online information practices, including specific examples and an overview of our security measures, please visit our Privacy, Security, and Fraud section.

How SunTrust Uses Email

SunTrust will never send emails asking for personal or account information, such as passwords, Social Security numbers, PINs, credit or Check Card numbers. In most instances, we will not send you emails unless you have initiated an email dialogue with us; you have previously requested us to communicate with you in this manner; and/or the email is about your relationship with the bank.

If you currently receive marketing emails from SunTrust and no longer wish to receive them, please send your name and email address to donotemail@suntrust.com and include "Unsubscribe" in the subject line.

Fraudulent emails and Web sites can appear to be from legitimate companies and include their images and logos. They often have a sense of urgency about them and state that if you fail to update or confirm certain information, access to your accounts will be suspended. These emails are not authorized by SunTrust and are fraudulent. To report a fraudulent email or Web site, please call us at 800.382.3232 or email reportfraud@suntrust.com. For more about how to protect yourself against online fraud, visit suntrust.com/alert.

Other Information You May Find Helpful

Direct Marketing Preference Services
To limit direct mail and email offers from companies other than SunTrust, contact the Direct Marketing Association Preference Services at dmaconsumers.org/consumerassistance.html. (The DMA charges $1 for this service).

Credit Bureau Opt-Outs

To remove your name from the pre-approved credit lists maintained by the three major credit bureaus and limit the number of credit solicitations that you receive, contact the National Opt-Out Center at 888.567.8688 or optoutprescreen.com.

National Do Not Call Registry
The Federal Government's national registry allows consumers to stop receiving most telemarketing sales calls. You can register online at donotcall.gov or call toll-free, 888.382.1222, from the number you wish to register. Registration is free.

The National Do Not Call Registry does not apply to charities, political organizations, or telephone surveyors, as well as existing business relationships. As a SunTrust client, if you place your number on the national registry, you may still receive occasional telemarketing calls from us. If you want to stop these calls as well, please request "No Telemarketing" status directly from SunTrust.

Protect Yourself

The most effective privacy policy is the precautions you take to guard against the disclosure and unauthorized use of your account and personal information:

Government Information on Privacy

For other information on privacy and protecting yourself from identity theft, visit consumer.gov, a Web site sponsored by the U.S. Government.

Where to Find Out More

If you have questions, concerns, or comments about our privacy practices or the way your information is maintained and used, we'd like to hear from you.

Please write us at:

SunTrust Banks, Inc.
Attn: Client Privacy Coordinator
P.O. Box 305110
Mail Code 7685
Nashville, TN 37230-5110



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