Get a $200 bonus when you open a Select Checking account.

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1 Earn up to a $200 checking bonus when you open a new SunTrust personal checking account with direct deposit. 1 Terms apply. For new SunTrust personal checking clients only. Account must be opened online using applicable promo code, OR at a branch using the coupon below from May 2 to July 31, Download Branch Coupon Get a $200 bonus when you open a Select Checking account. Open a new Select Checking account online, deposit at least $100 into new checking account within 14 days of opening, and make $2000 or more in qualifying direct deposits within 60 offer/index.html 1/6

2 direct deposits within 60 days of account opening. Open Select Checking Get $200 Get a $100 bonus when you open an Essential Checking account. Open a new Essential Checking account online, deposit at least $100 into new checking account within 14 days of opening, and make $500 or more in qualifying direct deposits with 60 days of account opening. Open Essential Checking Get $100 Compare Accounts Select Checking Essential Checking No Fee Access to over 2,220 ATMs 1 and 1,500 Branches No Fee Online Banking with BillPay 2 offer/index.html 2/6

3 No Fee Mobile and Tablet Banking 3 Earn interest on checking balances Additional checking accounts Non SunTrust ATM Transaction Fees Monthly Maintenance Fee Up to 3 Essential Checking accounts with the monthly maintenance fee waived 4 No fee for 2 non SunTrust ATM transactions 5 (per statement cycle) Avoid the $15 Monthly Maintenance Fee with AT LEAST one qualifier below: Make $2000 or more in total qualifying monthly Direct Deposits 6 OR Maintain a $2000 minimum daily Select Checking balance OR Hold $10,000 total combined relationship balances linked across deposits, investments, mortgages, and loans 7 OR Linked Small Business Checking account 8 Avoid the $7 Monthly Maintenance Fee with AT LEAST one qualifier below: Minimum of 10 banking transactions per statement cycle 9 OR $500 or more in total qualifying monthly Direct Deposits 10 per statement cycle OR $500 minimum daily balance OR Open as a student and receive a 5 year Student waiver 11 Open Select Checking Get $200 Open Essential Checking Get $100 To Be Eligible For The Promotion: The client must be a new SunTrust personal 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 November 4, 2015). The primary account holder of the participating checking and savings accounts must be 18 years old or offer/index.html 3/6

4 older at the time of account opening. Employee designated accounts are not eligible for this promotion. 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. To Earn the Reward: To earn the $100 reward 1) open a new Essential Checking account online using the applicable promo code to enroll (see Account Opening and Enrollment instructions below) from May 2, 2016 to July 31, 2016, 2) deposit at least $100 at account opening or within 14 calendar days of account opening, and 3) 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 the applicable promo code to enroll (see Account Opening and Enrollment instructions below) from May 2, 2016 to July 31, 2016, 2) deposit at least $100 at account opening or within 14 calendar days of account opening, and 3) deposit a minimum of $2,000 in qualifying Direct Deposits* within 60 days of account opening. Then to earn the additional $50 savings reward** 1) open a new Essential Savings or Select Savings account online using the applicable promo code to enroll (see Account Opening and Enrollment instructions below) from May 2, 2016 to July 31, 2016, 2) Deposit a minimum of $5,000 or more in new balances into the new savings account within 14 calendar days of account opening, and 3) maintain a balance of $5,000 or more in the savings account for 60 days after checking account opening. **Clients must earn the initial checking reward in order to be eligible for the additional savings reward. Direct Deposit: *A qualifying Direct Deposit is an electronic credit of your salary, pension, Social Security or other regular monthly income deposited to your account 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. 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: To open a single checking account, either Essential Checking or Select Checking, which can earn a $100 or $200 reward respectively, use promo code, MAY16CHKONLYOL. To open both a checking and a savings account (Essential Checking / Essential Savings or Select Checking/Select Savings), which can earn up to $150 or up to $250 in rewards, respectively, use promo code, MAY16CHKSAVOL. Promotion enrollment is required from May 2, 2016 to July 31, Once enrolled, clients should receive an enrollment confirmation . 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 promo code, to register. Eligible checking and savings accounts opened online include: Essential Checking, Select Checking, Essential Savings and Select Savings. Money Market accounts are excluded. offer/index.html 4/6

5 Additional Terms: Evaluation of qualification for the Checking and Savings rewards will be completed at the same time. Rewards will be credited to the new checking account up to 8 weeks after the qualifying direct deposits, the minimum account opening deposit, and savings balance (if applicable) requirements are met. The new account(s) 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. May 2016 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 and Select Savings the Annual Percentage Yield (APY) is currently 0.01% for all tiers in the fee schedule. The Annual Percentage Yields are accurate as of 5/2/16 and subject to change at any time. Fees may reduce your earnings. Select Savings is limited to one account per client. 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 recipient. If either the Checking or Savings account is closed by the client or SunTrust within 180 days after opening, SunTrust reserves the right to deduct the reward amount from those accounts at the time of closing. 1 No fees for SunTrust ATM use. Fees apply for ATM printed statements or mini statements. 2 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. 3 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. 4 Additional Essential Checking accounts available with no Monthly Maintenance Fee when linked to Select Checking. 5 No fee for two non SunTrust ATM transactions per statement cycle. Refer to Personal Deposit Accounts Fee Schedule for additional information. 6 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. 7 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. 8 Linked Small Business accounts include Total Business Checking and Business Advantage Plus only. offer/index.html 5/6

6 9 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. 10 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. 11 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. 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. 12 Clients earn an annual 1% bonus, up to $25. Bonus is calculated on the 12 month average ledger balance of the Select Savings account. Bonus will be credited to the Select Savings account on the anniversary of the Select Savings account opened date when the Select Savings account is linked with a Select Checking or Signature Advantage Checking account. Select Savings and Select Checking or Signature Advantage Checking accounts must be open and in good standing on the date that the bonus is paid to receive the bonus. Fees may reduce earnings on the account. Select Savings is limited to one account per client. 13 Monthly maintenance fee is waived for each month in which one (1) automated transfer ($25 minimum) occurs OR a minimum daily collected balance of $1,000 is maintained. Automated transfers must come from a SunTrust personal checking account. Please see Fee Schedule for further details. 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. offer/index.html 6/6