Earn up to a $200 checking bonus when you open a new SunTrust checking account with direct deposit. 1

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1 1 of 5 3/17/2016 6:59 PM Earn up to a $200 you open a new SunTrust checking account with direct deposit. 1 $200 you open Select Checking online $100 you open Essential Checking online Terms apply. For new SunTrust personal checking clients only. New account must be opened online using the applicable promo code between March 15 and May 5, See details below. Earn a you: Open a Select Checking account and make $2,000 or more in qualifying direct deposits within 60 days of account opening. Use Q2CHKONLINE200 when opening Select Checking online. OR Earn a you: Open an Essential Checking account and make $500 or more in qualifying direct deposits within 60 days of account opening. Use Q2CHKONLINE100 when opening Essential Checking online.

2 2 of 5 3/17/2016 6:59 PM Open Select Checking Online Now Learn More about Select Checking Open Essential Checking Online Now Learn More about Essential Checking SunTrust Ranked #1 in Online Banking Experience by Javelin Strategy & Research for Valid for new SunTrust personal checking clients only. To participate in the promotion, a new Essential Checking or Select Checking account must be opened online using the process outlined below. To Be Eligible For The Promotion: The client must be a new SunTrust checking client (clients who already have a personal checking account with SunTrust, as a primary or secondary account holder, are not eligible for this promotion). The client must not have closed a personal checking account within 180 days of the promotion start date (on or after September 17, 2015). The primary account holder of the participating checking account must be 18 years or older at the time of account opening, cannot be a SunTrust employee, contract employee, an intern or a Non-Resident Alien. Offer available only to U.S. Residents with a U.S. address in the following states: Alabama, Arkansas, Georgia, Florida, Maryland, Mississippi, North Carolina, South Carolina, Tennessee, Virginia, West Virginia, and the District of Columbia. Reward is limited to one per household. The offer is non-transferable and may not be combined with any other offers. Offer subject to change and may be discontinued at any time. Promotion enrollment is required between March 15, 2016 and May 5, Once enrolled, clients should receive an enrollment confirmation within 24 hours. Using the link in the , the client can register to check reward qualification status online. If the confirmation is not received, the client can visit using the applicable code below, to register. To participate in the promotion, a new Essential Checking or Select Checking account must be opened online using the process outlined below. To Earn the Reward:

3 hecking Account Bonus - Earn up to $200 SunTrust of 5 3/17/2016 6:59 PM To earn the $100 reward 1) open a new Essential checking account * online using promo code, Q2CHKONLINE100, to enroll (see instructions below) between March 15, 2016 and May 5, 2016, and 2) deposit a minimum of $500 in qualifying Direct Deposits ** within 60 days of account opening. OR, To earn the $200 reward 1) open a new Select checking account * online using promo code, Q2CHKONLINE200, to enroll (see instructions below) between March 15, 2016 and May 5, 2016, and 2) deposit a minimum of $2,000 in qualifying Direct Deposits ** within 60 days of account opening. * Minimum balance to open a new Essential or Select Checking account is $100. ** For Essential Checking accounts, a qualifying Direct Deposit is an electronic credit to your account of your salary, pension, Social Security or other regular monthly income totaling $500 or more deposited to your account during the statement cycle by your employer or an outside agency. Transfers from one account to another or deposits made at a banking location or ATM do not qualify as a Direct Deposit. ** For Select Checking accounts, a qualifying Direct Deposit is an electronic credit to your account of your salary, pension, Social Security or other regular monthly income totaling $2,000 or more deposited to your account during the prior month by your employer or an outside agency. Transfers from one account to another or deposits made at a banking location or ATM do not qualify as a Direct Deposit. Any maintenance fees will be assessed on the following month's statement. Online Offer Account Opening and Enrollment Instructions: Open an eligible account by visiting the promotional landing page or the SunTrust online application in the New Account Center. Ensure that the applicable promo code is entered in the "Promo Code" field on the first page of the online application: For Essential Checking accounts which can earn a $100 Reward, use promo code, Q2CHKONLINE100. For Select Checking accounts which can earn a $200 Reward, use promo code, Q2CHKONLINE200. After reviewing the terms and conditions, make sure "Yes" is selected in the "Special Offer" page to be enrolled for this offer. Eligible checking accounts opened online include: Essential Checking and Select Checking. Additional Terms: The reward will be credited to the new checking account up to 8 weeks after the qualifying direct deposit is made. Your new account must remain open and in good standing with a positive balance until the reward is processed in order for you to receive the applicable reward. "SunTrust Q Online Checking Offer Reward" will appear on the checking monthly statement when the reward is credited to the account holder's checking account. The promotional reward amount will be determined by the Checking account selected, and clients will receive only one reward. For Select Checking the Annual Percentage Yield (APY) is currently 0.01% for all tiers in the fee schedule. The Annual Percentage Yields are accurate as of 3/15/2016. Fees may reduce your earnings. SunTrust may report the value of any reward received through any offer to the Internal Revenue Service as required by law. Any applicable taxes are the responsibility of the

4 hecking Account Bonus - Earn up to $200 SunTrust of 5 3/17/2016 6:59 PM recipient. 2 A qualifying Direct Deposit is an electronic credit to your account of your salary, pension, Social Security or other regular monthly income totaling $2,000 or more deposited to your account during the prior month by your employer or an outside agency. Transfers from one account to another or deposits made at a banking location or ATM do not qualify as a Direct Deposit. Any maintenance fees will be assessed on the following month's statement. 3 Total Relationship Balance: The sum of balances in the Select Checking account PLUS statement linked SunTrust deposit accounts (savings, checking, money market, or CDs), IRA or Brokerage accounts introduced through SunTrust Investment Services, Inc. (excludes annuities), SunTrust consumer installment loans and lines of credit, including credit card, and either have a SunTrust Mortgage with a balance greater than $10,000 or a SunTrust Mortgage where the monthly payment is auto deducted through SurePay. 4 Linked Small Business accounts include Total Business Checking and Business Advantage Plus only. 5 No fees for SunTrust ATM use. Fees apply for ATM-printed statements or mini-statements. 6 SunTrust does not charge a fee for the use of SunTrust Online Banking with Bill Pay. However, fees may apply for certain transactions like expedited payments and transfers to non-suntrust accounts. 7 SunTrust does not charge a fee for the use of SunTrust Mobile Banking or Tablet Banking. If you do not already have a data plan with your wireless service provider, normal data rates will apply. A SunTrust Online Banking account is required to enroll in any of the Mobile and Tablet Banking services. 8 Additional Essential Checking accounts available with no Monthly Maintenance Fee when linked to Select Checking. 9 No fee for two non-suntrust ATM transactions per statement cycle. Refer to Personal Deposit Accounts Fee Schedule for additional information. 10 Banking Transactions include: Deposit and withdrawal transactions made (includes transactions such as those made with the assistance of a teller, at an ATM, or by Direct Deposit, mobile device, wire transfer, Online Banking transfer, automatic transfer, telephone transfer, Popmoney transfer, ACH debit or credit, online bill pay, mobile bill pay, check, or Debit Card purchases including PIN Point of Sale (POS) and signature-based purchases). These transactions must be posted to your account during the statement cycle. Bank fees and overdraft protection transfers are not included. 11 A qualifying Direct Deposit is an electronic credit to your account of your salary, pension, Social Security or other regular monthly income totaling $500 or more deposited to your account during the statement cycle by your employer or an outside agency. Transfers from one account to another or deposits made at a banking location or ATM do not qualify as a Direct Deposit. 12 Student Waiver: The Essential Checking Student Waiver provides a checking account with no monthly maintenance fee for up to 5 years. Any individual is qualified as a student if they are currently attending High School, College/University, or Technical/Trade Schools.

5 5 of 5 3/17/2016 6:59 PM Proof of active enrollment in a qualifying educational institution is required. The Student Waiver is applied automatically at account opening and based on Account Opening Date. The Student Waiver cannot be applied/added-on to a checking account once it is opened. 13 Ranking is from Javelin's 2014 Digital Banking Experience Leaders research. The research is based on a survey of more than 8,300 retail bank customers interviewed in the first half of These consumers rated their primary bank in a series of categories relating to their experience with their primary bank's digital offerings. Javelin then used these customer scores to determine the "customer choice" awardees for the 2014 Digital Banking Experience Leaders. SunTrust Bank, Member FDIC SunTrust Banks, Inc. SunTrust is a federally registered trademark of SunTrust Banks, Inc. onup is a service mark of SunTrust Banks, Inc.

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