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Protecting the Confidentiality of Your Information

Effective December 2009

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.

We do not sell, rent or trade any client information to other companies.

We safeguard your information carefully and provide you with the flexibility to dictate how it may be used. We are committed to helping you protect your privacy every day.

This SunTrust Privacy Policy illustrates the types of information we collect and the circumstances under which we may share it, and is provided on behalf of SunTrust Bank; SunTrust Mortgage, Inc.; SunTrust Insurance Company; SunTrust Investment Services, Inc.; SunTrust Robinson Humphrey; GenSpring International, LLC; Teton Trust Company; AMA/Lighthouse, Inc.; SunTrust Delaware Trust Co.; Seix Capital Advisors, LLC; RidgeWorth Capital Management, Inc.; and other companies owned by SunTrust using the SunTrust name to provide financial services to clients. Unless you are expressly told otherwise and provided a separate privacy notice, this SunTrust Privacy Policy applies to all companies within the SunTrust family of companies and 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 comply with those regulations as well.

The Kinds of Information We Collect

If you apply for a loan or a new account: We ask you for 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 for 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 helps us deliver the services you’ve requested. It also permits us to design and offer specific products and services 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 policies against unauthorized disclosure or use of client information by employees. As permitted by law, information held by any SunTrust subsidiary is available to other members of the SunTrust corporate family for authorized purposes, including marketing, unless you have specifically requested otherwise. (See "How to limit information sharing and marketing.")

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 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. These companies, some of which may be located outside the United States, 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, use it only for authorized purposes, and adhere to SunTrust’s data security guidelines.

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. Only the specific information required by law, subpoena, or court order will be shared.

How to Limit Information Sharing and Marketing

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. Call anytime toll–free to our automated Client Privacy Request line at 1–800–432–9472.
  2. Go to the privacy section of our web site and opt–out via our secure online form
  3. 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 four digits of your Social Security number with the request. Incomplete information will delay, or possibly prevent, our ability to honor your opt–out.
  4. Fax your request listing this same information to:
    (615) 232–1566, Attn: Privacy.
  5. Visit your nearest branch and speak with a client service representative.

By selecting "No Share" status, you restrict the use of your personal information in any marketing activities conducted by our affiliates and our credit card issuer. 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.

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 by your written request.

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 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. For more complete details of SunTrust’s online information practices, including an overview of our security measures, please visit www.suntrust.com and click on the "Privacy, Security & Fraud" link.

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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