X0202 4 2005-01-14 0000750556 SUNTRUST BANKS INC STI 0001189588 GARROTT THOMAS M ONE COMMERCE SQUARE FOURTH FLOOR MEMPHIS TN 38150 1 0 0 0 Common Stock 52537.3838 I NCF 401(k) Plan Common Stock 21291 I Investment I, LP Common Stock 134582 I Investment II, LP Common Stock 99007 I Children Common Stock 2005-01-07 5 G 0 897882 D 0 I Trust Common Stock 2005-01-07 5 G 0 897882 A 897882 I Trust Option 48.33 2004-10-01 2013-01-14 Common Stock 2069 2069 D Option 52.09 2004-10-01 2012-01-15 Common Stock 1919 1919 D Option 48.33 2004-01-14 2013-01-14 Common Stock 120418 120418 D Option 52.09 2003-01-15 2012-01-15 Common Stock 120568 120568 D Option 49.97 2002-01-16 2011-01-16 Common Stock 59089 59089 D Option 56.17 2004-10-01 2014-01-21 Common Stock 122488 122488 D Phantom Stock Units Common Stock 29542.9013 29542.9013 D Phantom Stock Units 2005-01-14 4 I 0 4630.818 72.79 D Common Stock 4630.818 16675.182 D This transaction is a gift. Acquired under the National Commerce Financial Corporation Investment Plan, which will be frozen 12/31/04. Held in trust for children. Thomas M. Garrott 2003 Trust with respect to which the Reporting Person is the grantor and a beneficiary. Garrott 2005 Investments LTD with respect to which the Reporting Person serves as general partner. Granted pursuant to the National Commerce Financial Corporation Amended and Restated Long-Term Incentive Plan. Granted pursuant to the National Commerce Financial Corporation 1994 Stock Plan Amended and Restated. Granted pursuant to the National Commerce Financial Corporation 2003 Stock and Incentive Plan. Acquired under the National Commerce Financial Corporation Equity Investment Plan, which will be frozen 12/31/04. These securities convert to common stock on a one-for-one basis. Acquired under the National Commerce Bancorporation Deferred Compensation Plan, which is a frozen plan. These securities convert to common stock on a one-for-one basis. Payouts occur annually in January, ending in 2006. Raymond D. Fortin, Attorney-in-Fact for Thomas M. Garrott 2005-01-19