Name of Grantee_[Name]____________________________Number of Restricted Stock Units_[# of Shares]_____Grant Date_[Grant Date]_________________________

SunTrust Banks, Inc. (“SunTrust”), a Georgia corporation, pursuant to action of the Compensation Committee (“Committee”) of its Board of Directors and in accordance with the SunTrust Banks, Inc. 2009 Stock Plan (“Plan”), has granted restricted stock units (the “Restricted Stock Units”) as an incentive for the Grantee to promote the interests of SunTrust and its Subsidiaries. Each Restricted Stock Unit represents the right to receive a share of SunTrust Common Stock, $1.00 par value, at a future date and time, subject to the terms of this Restricted Stock Unit Agreement (this “Grant”).

This Restricted Stock Unit Agreement (the “Unit 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.

§1. EFFECTIVE DATE. This grant of Restricted Stock Units to the Grantee is effective as of [Grant Date] (the “Grant Date”).

§2. DEFINITIONS. Whenever the following terms are used in this Unit Agreement, they shall have the meanings set forth below. Capitalized terms not otherwise defined in this Unit Agreement shall have the same meanings as in the Plan.

(a) Change in Control - means a “Change in Control” as defined in §2.2 of the SunTrust Banks, Inc. 2009 Stock Plan.

(b) Change in Control Agreement - means a change in control agreement by and between SunTrust and the Grantee.

(c) Code - means the Internal Revenue Code of 1986, as amended.

(d) Disability - means the Grantee is, by reason of any medically determinable physical or mental impairment which can be expected to result in death or can be expected to last for a continuous period of not less than twelve (12) months, receiving income replacement benefits for a period of not less than three (3) months under an accident and health plan covering employees of the Grantee's employer and, in addition, has begun to receive benefits under SunTrust's Long-Term Disability Plan.

(e) Dividend Equivalent Right - means a right that entitles the Grantee to receive an amount equal to any dividends paid on a share of Stock, which dividends have a record date between the Grant Date and the date the Vested Units are paid; provided, however, the amount of any Dividend Equivalent Rights on unvested Restricted Stock Units shall be treated as reinvested in additional shares of Stock on the date such dividends are paid.

(f) Key Employee - means an employee treated as a “specified employee” as of his Separation from Service under Code §409A(a)(2)(B)(i) (i.e., a key employee (as defined in Code §416(i) without regard to §(5) thereof)) if the common stock of SunTrust or an affiliate (any member of SunTrust's controlled group, as determined under Code §414(b), (c), or (m)) is publicly traded on an established securities market or otherwise. Key Employees shall be determined in accordance with Code §409A using a December 31 identification date. A listing of Key Employees as of an identification date shall be effective for the twelve (12) month period beginning on the April 1 following the identification date.

(g) Performance Period(s) - means the three (3) periods commencing January 1, 2013 and ending December 31, 2013; January 1, 2014 and ending December 31, 2014; and January 1, 2015 and ending December 31, 2015.

(h) Retirement - means the voluntary termination of employment by the Grantee from SunTrust or its Subsidiaries on or after attaining age 55 and completing five (5) or more years of service as determined in accordance with the terms of the SunTrust Banks, Inc. Retirement Plan, as amended from time to time (the “Retirement Plan”). For purposes of this Unit Agreement, Grantee who is vested in the Retirement Plan benefit but terminates employment before attaining age 55 or completing at least five (5) years of service is not eligible for Retirement.

(i) Return on Risk Weighted Assets or RORWA - means annual net income available to common shareholders of SunTrust divided by Average Risk Weighted Assets of SunTrust for the applicable year. In the event SunTrust is merged with or into another entity prior to the end of the Performance Period, then “Return on Risk Weighted Assets” shall mean the annual net income available to common shareholders of the surviving corporation divided by average risk weighted assets of the surviving corporation for the applicable year.

(j) Risk Weighted Assets - means average risk weighted assets determined under Basel I and, if applicable, as reported to the Federal Reserve in SunTrust's FR Y-9C (Consolidated Financial Statements for Bank Holding Companies).

(k) Separation from Service - means a “separation from service” within the meaning of Code §409A.

(l) Stock means the common stock of SunTrust Banks, Inc. and any successor.

(m) Termination for Cause or Terminated for Cause - means a termination of employment which is made primarily because of (i) the Grantee's willful and continued failure to perform his job duties in a satisfactory manner after written notice from SunTrust to Grantee and a thirty (30) day period in which to cure such failure, (ii) the Grantee's conviction of a felony or engagement in a dishonest act, misappropriation of funds, embezzlement, criminal conduct or common law fraud, (iii) the Grantee's material violation of the Code of Business Conduct and Ethics of SunTrust or the Code of Conduct of a Subsidiary, (iv) the Grantee's engagement in an act that materially damages or materially prejudices SunTrust or any Subsidiary or the Grantee's engagement in activities materially damaging to the property, business or reputation of SunTrust or any Subsidiary; or (v) the Grantee's failure and refusal to comply in any material respect with the current and any future amended policies, standards and regulations of SunTrust, any Subsidiary and their regulatory agencies, if such failure continues after written notice from SunTrust to the Grantee

and a thirty (30) day period in which to cure such failure, or the determination by any such governing agency that the Grantee may no longer serve as an officer of SunTrust or a Subsidiary.

Notwithstanding anything herein to the contrary, if the Grantee is subject to the terms of a Change in Control Agreement at the time of his termination of employment with SunTrust or a Subsidiary, solely for purposes this Unit Agreement, “Cause” shall have the meaning provided in the Change in Control Agreement.

(n) Termination for Good Reason - means a termination of employment made primarily because of (i) a failure to elect or reelect or to appoint or to reappoint Grantee to, or the removal of Grantee from, the position which he or she held with SunTrust prior to the Change in Control, (ii) a substantial change by the Board or supervising management in Grantee's functions, duties or responsibilities, which change would cause Grantee's position with SunTrust to become of less dignity, responsibility, importance or scope than the position held by Grantee prior to the Change in Control or (iii) a substantial reduction of Grantee's annual compensation from the lesser of: (A) the level in effect prior to the Change in Control or (B) any level established thereafter with the consent of the Grantee.

Notwithstanding anything herein to the contrary, if the Grantee is subject to the terms of a Change in Control Agreement at the time of his termination of employment with SunTrust or a Subsidiary, solely for purposes of this Unit Agreement, “Good Reason” shall have the meaning provided in the Change in Control Agreement.

§3. [Intentionally Omitted]

§4. VESTING. The Grantee shall vest in the Restricted Stock Units as follows:

(a) Subject to §14 of this Unit Agreement and §4(e), a number of Restricted Stock Units equal to [insert # - 1/3^rd of Total Number of Shares] multiplied by the percentage in the table below shall vest on February 26, 2016 (the “Vesting Date”) if Return on Risk Weighted Assets for the Performance Period January 1, 2013 to December 31, 2013 (2013) equals or exceeds there threshold amount in the table below:

The percentage of Restricted Stock Units that vest if SunTrust's RORWA is between the “Threshold” and “Target” shall be determined by linear interpolation. The Committee shall determine the number of Restricted Stock Units (and related Dividend Equivalent Rights) that shall vest by multiplying the “Percentage of Restricted Stock Units That Vest,” set forth above, by one-third of the number of Restricted Stock Units granted under this Unit Agreement.

(b) Subject to §14 of this Unit Agreement and §4(e), a number of Restricted Stock Units equal to [insert # - 1/3^rd of Total Number of Shares] multiplied by the percentage in the table below shall vest on the Vesting Date if Return on Risk Weighted Assets for the Performance Period January 1, 2014 to December 31, 2014 (2014) equals or exceeds there threshold amount in the table below:

The percentage of Restricted Stock Units that vest if SunTrust's RORWA is between the “Threshold” and “Target” shall be determined by linear interpolation. The Committee shall determine the number of Restricted Stock Units (and related Dividend Equivalent Rights) that shall vest by multiplying the “Percentage of Restricted Stock Units That Vest,” set forth above, by one-third of the number of Restricted Stock Units granted under this Unit Agreement.

(c) Subject to §14 of this Unit Agreement and §4(e), a number of Restricted Stock Units equal to [insert # - 1/3^rd of Total Number of Shares] multiplied by the percentage in the table below shall vest on the Vesting Date if Return on Risk Weighted Assets for the Performance Period January 1, 2015 to December 31, 2015 (2015) equals or exceeds there threshold amount in the table below:

The percentage of Restricted Stock Units that vest if SunTrust's RORWA is between the “Threshold” and “Target” shall be determined by linear interpolation. The Committee shall determine the number of Restricted Stock Units (and related Dividend Equivalent Rights) that shall vest by multiplying the “Percentage of Restricted Stock Units That Vest,” set forth above, by one-third of the number of Restricted Stock Units granted under this Unit Agreement.

(d) Performance Periods are Independent. The performance periods in §4(a), §4(b), or §4(c) are independent of each other. For example, if the performance condition is met for 2013 and 2015, but not for 2014, then Restricted Stock Units shall vest on the Vesting Date pursuant to §4(a) and §4(c).

(e) No Restricted Stock Units shall vest pursuant to §4(a), §4(b), or §4(c), hereof unless the Grantee has remained in continuous employment with SunTrust or a Subsidiary from the Grant Date through the Vesting Date, except as provided in §6(b), §6(c), and §6(d) hereof (pertaining to termination of employment as a result of death, Disability, a reduction in force, and after Retirement).

§5. SUNTRUST CHANGE IN CONTROL.

In the event that a Change in Control (as defined in the SunTrust Banks, Inc. 2009 Stock Plan) occurs prior to the Vesting Date and on or prior to any vesting date set forth in §6, then any unvested Restricted Stock Units (and related Dividend Equivalent Rights) shall be fully vested upon the earlier of: (a) the Vesting Date, provided that the Grantee has remained in continuous employment with SunTrust or a Subsidiary from the Grant Date through the Vesting Date; or (b) the date of the Grantee's termination of employment with SunTrust and its Subsidiaries as a result of: (i) an involuntary termination by SunTrust that does not result from the Grantee's death or Disability and does not constitute a Termination for Cause; (ii) the Grantee's death or Disability; or (iii) a voluntary termination by the Grantee as a result of Retirement or a Termination for Good Reason, then a number of Restricted Stock Units (and related Dividend Equivalent Rights) shall vest equal to the sum of (A) the number of Restricted Stock Units that would have vested (if any) if the Performance Period ended on the last day of the fiscal quarter immediately preceding the date of the Change in Control (based on the actual Performance Level achieved through such date) multiplied by a fraction, the numerator of which shall be the number of days from the first day of the Performance Period through the date of the last day of the fiscal quarter immediately preceding the date of such Change in Control, and the denominator of which shall be the total number of days in the original Performance Period; plus (B) the number of Restricted Stock Units that would have vested assuming SunTrust's achievement of the Target Performance Level multiplied by a fraction, the numerator of which shall be the number of days from the last day of the quarter immediately preceding the date of such Change in Control through the last day of the original Performance Period, and the denominator of which shall be the total number of days in the original Performance Period. In the event of such Change in Control, any Restricted Stock Units (and related Dividend Equivalent Rights) subject to this Unit Agreement that do not vest pursuant to this §5 shall terminate and be completely forfeited on the date of such termination of the Grantee's employment or, if earlier, the Vesting Date. Notwithstanding anything herein to the contrary, if the Grantee is subject to the terms of a Change in Control Agreement on the date of a Change in Control that provides for more generous vesting of the Restricted Stock Units, such vesting provisions of the Change in Control Agreement shall govern.

§6. TERMINATION OF EMPLOYMENT.

(a) If prior to the Vesting Date and the date of a Change in Control, the Grantee's employment with SunTrust and its Subsidiaries terminates for any reason other than those described in §6(b), §6(c) or §6(d), then the Restricted Stock Units (and related Dividend Equivalent Rights) subject to this Unit Agreement shall terminate and be completely forfeited on the date of such termination of the Grantee's employment. Notwithstanding anything in this §6 to the contrary, if the Grantee is Terminated for Cause from SunTrust and its Subsidiaries prior to payment pursuant to §7, all of the Restricted Stock Units (and related Dividend Equivalent Rights) will immediately and automatically without any action on the part of the Grantee or SunTrust, be forfeited by the Grantee.

(b) Death or Disability. If the Grantee's employment with SunTrust and its Subsidiaries terminates as a result of the Grantee's (i) death, or (ii) Disability prior to the Vesting Date and prior to the date of a Change in Control, then the service requirement of

§4(e) shall be waived and the Restricted Stock Units (and related Dividend Equivalent Rights) that would have vested based on the actual Performance Level(s) achieved during the Performance Period(s) (in accordance with §4(a) §4(b) and/or §4(c)) from the date of Grant through the end of the Performance Period during which death or Disability occurred shall vest as of the last day of the Performance Period in which such termination occurred. For example, if the Performance Level achieved in 2013 is Target (100%), the Grantee becomes Disabled in 2014 and the Performance Level in 2014 is also Target (100%), then the Grantee would vest in two-thirds of the Restricted Stock Units subject to this Unit Agreement as of December 31, 2014. In the event of such termination, any Restricted Stock Units (and related Dividend Equivalent Rights) subject to this Unit Agreement that do not vest pursuant to this §5(b) shall terminate and be completely forfeited on such date.

(c) Reduction in Force. If the Grantee's employment with SunTrust and its Subsidiaries is involuntarily terminated by reason of a reduction in force which results in the Grantee's eligibility for payment of a severance benefit pursuant to the terms of the SunTrust Banks, Inc. Severance Pay Plan or any successor to such plan (“RIF”) prior to the Vesting Date and the date of a Change in Control, then the service requirement of §4(e) shall be waived and the Committee shall determine the number of Restricted Stock Units (and related Dividend Equivalent Rights) that vest by computing the sum of (x) the number of Restricted Stock Units (and related Dividend Equivalent Rights) that would have vested based on the actual Performance Levels achieved during the completed Performance Period(s)(in accordance with §4(a) §4(b) and/or §4(c)) preceding such termination, plus (y) a pro-rata number of Restricted Stock Units (and related Dividend Equivalent Rights) that would have vested based on the actual Performance Level achieved during the Performance Period in which such termination occurred shall vest as of the last day of the Performance Period in which such termination occurred. The pro-rata number of Restricted Stock Units (and related Dividend Equivalent Rights) vesting in the year of termination shall equal the product of: (i) the number of Restricted Stock Units that would have vested based on the actual Performance Level achieved as of the last day of the Performance Period; multiplied by (ii) a fraction, the numerator of which is equal to the number of days employed during the Performance Period and the denominator of which is 365. In the event of such termination, any Restricted Stock Units (and related Dividend Equivalent Rights) subject to this Unit Agreement that do not vest pursuant to this §5(c) shall terminate and be completely forfeited on such date.

(d) Retirement. If the Grantee's employment with SunTrust and its Subsidiaries terminates prior to the Vesting Date and the date of a Change in Control as a result of the Grantee's Retirement, then the number of Restricted Stock Units (and related Dividend Equivalent Rights) that would have vested based on actual Performance Levels achieved in accordance §4(a), §4(b) and §4(c) shall, subject to §8(d) and §8(e) below, be fully vested on the Vesting Date.

§7. PAYMENT OF AWARD.

(a) Subject to §14, the number of vested Restricted Stock Units (and related Dividend Equivalent Rights) payable pursuant to this §7 (the “Vested Units”) shall be determined in accordance with §4, §5 and §6 above and shall be paid in a lump sum upon the earliest to occur of the following: (i) the last day of the Performance Period during which the Grantee's death occurred, (ii) the last day of the Performance Period during which the Grantee's Disability occurred, (iii) the date of the Grantee's Separation from Service within two (2) years following a 409A Change in Control, or (iv) February 26, 2016. In the event payment is made pursuant to sub-paragraph (i), (ii) or (iii) above, such payment shall be made on the last day of the sixty (60) day period which commences immediately following the dates described in sub-paragraph (i), (ii) or (iii). In the event payment is made pursuant to sub-paragraph (iv) above, such payment shall be made within 30 days following February 26, 2016. Except as set forth below, the Vested Units shall be paid out in an equivalent number of shares of Stock; provided, however, the Grantee's right to any fractional share of Stock shall be paid in cash. In the event the Restricted Stock Units (and related Dividend Equivalent Rights) vest following a Change in Control pursuant to §4, the Vested Units shall be paid in cash, and the amount of the payment for each Vested Unit to be paid in cash will equal the Fair Market Value of a share of Stock on the date of the Change in Control. Notwithstanding anything herein to the contrary, distributions may not be made to a Key Employee upon a Separation from Service before the date which is six (6) months after the date of the Key Employee's Separation from Service (or, if earlier, the date of death of the Key Employee). Any payments that would otherwise be made during this period of delay shall be accumulated and paid.

(b) The Grantee shall be entitled to a Dividend Equivalent Right for each Vested Unit. At the same time that the Vested Units are paid, SunTrust shall pay each Dividend Equivalent Right in shares of Stock to the Grantee, or, in the event the Restricted Stock Units vest pursuant to §5, in cash; provided, however, the Grantee's right to any fractional share of Stock shall be paid in cash.

(c) The Grantee will not have any shareholder rights with respect to the Restricted Stock Units, including the right to vote or receive dividends, unless and until shares of Stock are issued to the Grantee as payment of the vested Restricted Stock Units.

(d) In the event that the date of the shareholder approval required by §14 of this Unit Agreement occurs after any payment date contemplated in this §7, then the Restricted Stock Units shall be paid within a reasonable time after the date such shareholder approval is obtained but in no event later than two and one-half months after the end of the calendar year in which the Restricted Stock Units vest.

§8. COVENANTS, RESTRICTIONS AND LIMITATIONS.

(a) Compliance with Securities Laws. By accepting the Restricted Stock Units, the Grantee agrees not to sell Stock at a time when applicable laws or SunTrust's rules prohibit a sale. This restriction will apply as long as the Grantee is an employee, consultant or director of SunTrust or a Subsidiary of SunTrust. Upon receipt of nonforfeitable shares of Stock pursuant to this Unit 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 issue any shares of Stock to the Grantee for which the Grantee refuses to provide an appropriate statement.

(b) Forfeiture of Non-Vested Units. To the extent that the Grantee does not vest in any Restricted Stock Units, all interest in such units, the related shares of Stock, and any Dividend Equivalent Rights shall be forfeited. The Grantee shall have no right or interest in any Restricted Stock Unit or related share of Stock that is forfeited.

(c) Extinguishment Upon Settlement. Upon each issuance or transfer of shares of Stock in accordance with this Unit Agreement, a number of Restricted Stock Units equal to the number of shares of Stock issued or transferred to the Grantee shall be extinguished and such number of Restricted Stock Units will not be considered to be held by the Grantee for any purpose.

(d) Restrictive Covenants. Grantee must fully perform the following covenants from the Grant Date through the Vesting Date (the “Restricted Period”):

Failure of Grantee subject to this §8(d) to fully perform the covenants set forth above will result in a forfeiture of all unpaid Restricted Stock Units (and related Dividend Equivalent Rights) under this Unit Agreement as of the date of such failure. Such forfeiture will be in compliance with Treas. Reg. §1.409A-3(f).

(e) Additional Post-Retirement Covenants. In the event of Grantee's Retirement, such Grantee must fully perform the following covenants from the date of such termination through the Vesting Date:

Failure of Grantee subject to this §8(e) to fully perform the covenants set forth above will result in a forfeiture of all unpaid Restricted Stock Units (and related Dividend Equivalent Rights) under this Unit Agreement as of the date of such failure. Such forfeiture will be in compliance with Treas. Reg. §1.409A-3(f).

(f) Additional Definitions. (A) The term "Confidential or Proprietary Information" for purposes of this Agreement shall mean any secret, confidential, or proprietary information of SunTrust or a SunTrust Affiliate (other than a Trade Secret) that has not become generally available to the public by the act of one who has the right to disclose such information without violating any right of SunTrust or a SunTrust Affiliate. (B) The term "Financial Services Business" for purposes of this Agreement shall mean the business of banking, including deposit, credit, trust and investment services, mortgage banking, asset management, and brokerage and investment banking services. (C) The term "Managerial Responsibilities" for purposes of this Agreement shall mean managerial and supervisory responsibilities and duties that are substantially the same as those Grantee is performing for SunTrust or a SunTrust Affiliate on the date of this Agreement. (D) For purposes of §8(e) only, the term "Restricted Period" shall mean the period which starts on the date Grantee's retirement from employment by SunTrust or a SunTrust Affiliate and which ends on the third anniversary of this Agreement. (E) The term "SunTrust Affiliate" for purposes of this Agreement shall mean any corporation which is a subsidiary corporation (within the meaning of §424(f) of the Code) of SunTrust except a corporation which has subsidiary corporation status under §424(f) of the Code exclusively as a result of SunTrust or a SunTrust Affiliate holding stock in such corporation as a fiduciary with respect to any trust, estate, conservatorship, guardianship or agency. (F) The term "Territory" for purposes of this Agreement shall mean the states of Alabama, Florida, Georgia, Maryland, North Carolina, South Carolina, Tennessee, Virginia, and the District of Columbia, which are the states and Territories in which SunTrust has significant operations on the date of this Agreement. (G) "Trade Secret" for purposes of Agreement shall mean information, including, but not limited to, technical or nontechnical data, a formula, a pattern, a compilation, a program, a device, a method, a technique, a drawing, a process, financial data, financial plans, product plans, or a list of actual or potential customers or suppliers that: (i) derives economic value, actual or potential, from not being generally known to, and not being readily ascertainable by proper means by, other persons who can obtain economic value from it is disclosure or use, and (ii) is the subject of reasonable efforts by SunTrust or a SunTrust Affiliate to maintain its secrecy.

§9. WITHHOLDING.

(a) Upon the payment of any Restricted Stock Units, SunTrust's obligation to deliver shares of Stock or cash to settle the Vested Units and Dividend Equivalent Rights shall be subject to the satisfaction of applicable tax withholding requirements, including federal, state, and local requirements. The Grantee must pay to SunTrust any applicable federal, state or local withholding tax due as a result of such payment and authorizes SunTrust to withhold such amounts.

(b) The Committee shall have the right to reduce the number of shares of Stock issued to the Grantee to satisfy the minimum applicable tax withholding requirements.

§10. RECOVERY OF AWARDS. At the end of the performance period, the Committee will evaluate overall Company and business unit performance in making its award decisions. By accepting this Grant, Grantee agrees to return to SunTrust (or to the cancellation of) all or a portion of any grant, paid and unpaid, vested or unvested, previously granted to such Grantee based upon a determination made by the Committee pursuant to §10(a), §10(b), or §10(c) below. The Committee shall impose a clawback authorized below only to the extent determined appropriate by the Committee. All determinations by the Committee shall be final and binding. All references to the “Committee” in this §10 shall include the Committee and the Committee's designee.

(a) Miscalculation of Performance Metric. If the Committee determines that a financial metric used to determine vesting of a Grant was calculated incorrectly, whether or not SunTrust is required to restate its financial statements and without regard to whether such miscalculation was due to fraud or intentional misconduct, then the Committee may require reimbursement of all or part of a Grant previously paid to Grantee and/or authorize the cancellation of unpaid or unvested Grants in the amount by which any such Grant exceeded a lower payment that would have been made based on the correctly calculated financial metric. In addition, the Grant shall be subject to the clawback requirements of (i) §954 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (regarding recovery of erroneously awarded compensation) and implementing rules and regulations thereunder, (ii) similar rules under the laws of other jurisdictions and (iii) policies adopted by SunTrust to implement such requirements, all to the extent determined by the Committee to be applicable to Grantee.

(b) Detrimental Conduct. If the Committee determines that Grantee has engaged in Detrimental Conduct, then Grantee shall be required to reimburse SunTrust all or a portion of the Grant previously vested or paid and/or will be subject to cancellation of unvested or unpaid Grant. “Detrimental Conduct” means any one of the following: (1) the commission of an act of fraud or dishonesty in the course of the Grantee's employment; (2) improper conduct by the Grantee including, but not limited to, fraud, unethical conduct, falsification of SunTrust's records, unauthorized removal of SunTrust property or information, theft, violent acts or threats of violence, unauthorized possession of controlled substances on the property of SunTrust, conduct causing reputational harm to SunTrust or its clients, or the use of SunTrust property, facilities or services for unauthorized or illegal purposes; (3) the improper disclosure by the Grantee of proprietary, privileged or confidential information of SunTrust or a SunTrust client or former client or breach of a fiduciary duty owed to SunTrust or a SunTrust client or former client; (4) the commission of a criminal act by the Grantee, whether or not performed in the workplace, that constitutes a felony or a crime of comparable magnitude under applicable law as determined by SunTrust in its sole discretion, or that subjects, or if generally known, would subject SunTrust to public ridicule or embarrassment; (5) the commission of an act or omission which causes the Grantee or SunTrust to be in violation of federal or state securities laws, rules or regulations, and/or the rules of any exchange or association of which SunTrust is a member, including statutory disqualification; (6) the Grantee's failure to perform the duties of Grantee's job which are set forth in Grantee's written job description, written operating policies, inBalance goals or other written document available to Grantee and which in each case SunTrust views as being material to Grantee's position and the overall business of SunTrust under circumstances where such failure is detrimental to SunTrust; (7) the material breach of a written policy applicable to teammates of SunTrust including, but not limited to, the SunTrust Code of Business Conduct and Ethics; (8) an act or omission by the Grantee which results or is intended to result in personal gain at the expense of SunTrust; or (9) an other act or omission which constitutes “cause” for termination.

(c) Loss. In order to encourage sustainable, long-term performance, settlement of the Restricted Stock Units (and related Dividend Equivalent Rights) shall be specifically conditioned on the Company and its lines of business remaining profitable during the period from the Grant Date until the applicable Settlement Date. If a loss is determined to have occurred, then the Committee, together with key control functions, shall review such losses and Grantee's accountability for such losses, and may require reimbursement of all or part of a Grant previously paid to Grantee and/or authorize the cancellation of unpaid or unvested Grants. In making such determination, the Committee shall consider all relevant facts and circumstances, including (i) the magnitude of the loss (including positive or negative variance from plan); (ii) Grantee's degree of involvement (including such factors as Grantee's current or former leadership role with respect to SunTrust or the relevant line of business, and the degree to which Grantee was involved in decisions that are determined to have contributed to the loss); and (iii) Grantee's performance.

§11. NO EMPLOYMENT RIGHTS. Nothing in the Plan or this Unit Agreement or any related material shall give the Grantee the right to continue in the employment of SunTrust or any Subsidiary or adversely affect the right of SunTrust or any Subsidiary to terminate the Grantee's employment with or without cause at any time.

§12. OTHER LAWS. Notwithstanding anything herein to the contrary, SunTrust shall have the right to refuse to pay any cash award or to issue or transfer any shares under this Unit Agreement if SunTrust acting in its absolute discretion determines that such payment or issuance or transfer of such Stock might violate any applicable law or regulation.

§13. MISCELLANEOUS.

(a) This Unit Agreement shall be subject to all of the provisions, definitions, terms and conditions set forth in the Plan and any interpretations, rules and regulations promulgated by the Committee from time to time, all of which are incorporated by reference in this Unit Agreement.

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

(c) No rights granted under the Plan or this Unit Agreement and no Restricted Stock Units 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 units has become fully vested.

(d) Any written notices provided for in this Unit Agreement that are sent by mail shall be deemed received three (3) business days after mailing, but not later than the date of actual receipt. Notices shall be directed, if to the Grantee, at the Grantee's address indicated by SunTrust's records and, if to SunTrust, at SunTrust's principal executive office, to the attention of the General Counsel.

(e) If one or more of the provisions of this Unit Agreement shall be held invalid, illegal or unenforceable in any respect, the validity, legality and enforceability of the remaining provisions shall not in any way be affected or impaired thereby and the invalid, illegal or unenforceable provisions shall be deemed null and void; however, to the extent permissible by law, any provisions which could

be deemed null and void shall first be construed, interpreted or revised retroactively to permit this Unit Agreement to be construed so as to foster the intent of this Unit Agreement and the Plan.

(f) This Unit Agreement (which incorporates the terms and conditions of the Plan) constitutes the entire agreement of the parties with respect to the subject matter hereof. This Unit Agreement supersedes all prior discussions, negotiations, understandings, commitments and agreements with respect to such matters.

(g) The Restricted Stock Units are intended to comply with Code §409A and official guidance issued thereunder. Notwithstanding anything herein to the contrary, this Unit Agreement shall be interpreted, operated and administered in a manner consistent with this intention.