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					  Making Solid Benefit Choices for 2010
       What’s Changing          Your 2010               Tools and         Making Benefit Changes          Contact
          for 2010            Benefit Choices           Resources            During the Year            Information


Home Page
                              Welcome to Your 2010 Annual Enrollment Guide
How to Use This Guide
                              Annual Enrollment is your opportunity to review your health and long-term disability coverage
Enrolling                     and make choices that work best for you and your family. This guide is designed to help you learn         2010 Annual
                              about your choices for 2010 and how to enroll.                                                            Enrollment is
Paying for Your Benefits
                               TIP Check out How to Use This Guide.                                                                     October 19 to
Medical Coverage                                                                                                                        November 6
Dental Coverage               Important Changes for 2010                                                                                Annual Enrollment for
                              SunTrust places great emphasis on the well-being of our teammates, and we strive to offer                 2010 benefits begins
Vision Coverage               benefits programs that provide the right care for you and your family. We’re working hard to              Monday, October 19, and
Flexible Spending             foster an environment of health — where teammates have access to programs that help you get               ends Friday, November
Accounts (FSAs)               well and stay well, and where you’re rewarded for taking extra steps to manage your health.               6. You can enroll through
Income Protection Benefits                                                                                                              BENE Online 24/7. If you
                              With this in mind, we’ve developed a new approach for 2010 that rewards your healthy steps                enroll by phone, Benefits
Employee Assistance Program   and creates an environment where we better manage costs. Click here for an overview of                    Representatives are
Legal Notices                 What’s Changing for 2010.                                                                                 available from 8:30 a.m.
                                                                                                                                        to 6:30 p.m. (ET). For
Summary Plan Descriptions
                              If you (and/or your dependents) have Medicare or will become                                              step-by-step instructions,
                                                                                                                                        see How to Enroll.
                              eligible for Medicare in the next 12 months, a federal law gives you
                              more choices about your prescription drug coverage. Click here
                              for more.




  October 2009                     Solid Coverage. Solid Choices. Solid Benefits.
                                                                                                                                  Previous page   Next page      1
  Making Solid Benefit Choices for 2010
       What’s Changing           Your 2010                   Tools and          Making Benefit Changes             Contact
          for 2010             Benefit Choices               Resources             During the Year               Information


Home Page
                                   How to Use This Guide
How to Use This Guide
                                   There are two ways to view this guide:                                                            This guide is only an overview of
Enrolling                                                                                                                            SunTrust benefits as of January 1,
                                   1. Use the links above and to the left to navigate the guide like a Web site.                     2010. The information provided in
Paying for Your Benefits                                                                                                             this guide is subject to the official
Medical Coverage                   2. Read the pages sequentially like a printed document using the                                  plan documents, which will control
                                      “Next Page” link at the bottom right.                                                          in the event of any conflict,
Dental Coverage                                                                                                                      difference, or error. The Company
                                                                                                                                     reserves the right to amend or
Vision Coverage
                                                                                                                                     terminate any of its benefit plans
Flexible Spending                                                                There are two sets of links that                    in the future.
Accounts (FSAs)                                                                  appear on every page. You can
Income Protection Benefits                                                       click on these links to jump to
                                                                                  another section at any time.
Employee Assistance Program

Legal Notices
                                                                                     Use the underlined links
Summary Plan Descriptions                                                          within the text to get more
                                                                                    information on the topic.




    Click on the Home Page link
    at any time to return to the
             home page.



                                                                                                                     Use the links at the bottom
                                                                                                                    right to advance pages or go
                                                                                                                       back to previous pages.




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  Making Solid Benefit Choices for 2010
       What’s Changing          Your 2010               Tools and          Making Benefit Changes           Contact
          for 2010            Benefit Choices           Resources             During the Year             Information


Home Page
                              What’s Changing for 2010
How to Use This Guide
                              To meet our objectives of rewarding your healthy steps and creating an environment where we
Enrolling                     better manage costs, here’s how we’re making changes in 2010:
Paying for Your Benefits        • We’re expanding the wellness program. We’ll provide incentives for the steps you take to
Medical Coverage                  live a healthier lifestyle — like exercising, losing weight, and stopping smoking — when you
                                  participate in a disease management program or healthy lifestyle program or fitness activity.
Dental Coverage
                                • We’re eliminating programs that don’t align with our goals. We’ll no longer offer HMO Plus
Vision Coverage                   — which hides the true costs of health care — but we will continue to offer HMO Basic, which
Flexible Spending                 features office visit copays and a deductible or coinsurance for other services. To simplify the
Accounts (FSAs)                   options, we’re also eliminating the PPO Buy-Down options, which are selected by a small part
                                  of the population. We’ll continue to provide the PPO Core and Buy-Up options.
Income Protection Benefits
                                • We’re sharing costs, with SunTrust increasing its share of premiums in 2010 in order to
Employee Assistance Program
                                  moderate premium increases for teammates. Teammates will see an increase in their out-of-
Legal Notices                     pocket expenses (like deductibles or prescription copays), but will have the opportunity to
                                  offset these increases through our enhanced wellness program.
Summary Plan Descriptions
                                • We’re introducing a “preferred” drug list for brand-name drugs to help you take advantage
                                  of discounts in the market. Most prescription programs have a preferred and non-preferred list
                                  for brand-name drugs, and you’ll pay less for drugs on this list.


                              Click below for more information about:
                              The New Wellness Rewards
                              Medical Plan Premiums
                              Medical Plan Choices
                              PPO Annual Deductibles
                              HMO and PPO Out-of-Pocket Maximums
                              HMO and PPO Prescription Drug Coverage
                              Change in LTD Effective Date

                                                                                                                        More




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       What’s Changing          Your 2010                Tools and          Making Benefit Changes           Contact
          for 2010            Benefit Choices            Resources             During the Year             Information


Home Page
                              What’s Changing for 2010                    (continued)
How to Use This Guide

Enrolling                     The New Wellness Rewards
                              Managing your health isn’t always easy. With life’s daily responsibilities, multiple projects at work,        The monetary incentives
Paying for Your Benefits
                              and time spent caring for family — there are not a lot of hours left in the day. But managing your            you’ll earn can be used
Medical Coverage              health has never been more important — particularly in today’s environment, where stress can                  to offset any additional
                              sometimes get the best of us.                                                                                 out-of-pocket expenses
Dental Coverage
                              That’s why in 2010, we’re expanding our wellness program — which already includes our Employee                you may incur as a result
Vision Coverage
                              Assistance Program and programs for preventive care — to include new features. You’ll get                     of medical plan changes
Flexible Spending
                              incentives for the steps you take to live a healthier lifestyle — like exercising, losing weight, and         for 2010.
Accounts (FSAs)
                              stopping smoking — when you participate in a disease management or healthy lifestyle program or
Income Protection Benefits    fitness activities. This will be offered to all teammates enrolled in a medical plan.
Employee Assistance Program
                              Look for more information later this year. If you’re enrolled in the HMO Basic, PPO, or Out-of-Area
Legal Notices                 Plan, SunTrust will automatically set up an account as you earn rewards. If you’re enrolled in the
                              HDHP, you must set up an HSA to receive your rewards.
Summary Plan Descriptions
                              Medical Plan Premiums
                              SunTrust is increasing its share of premiums in 2010 in order to moderate premium increases for
                              teammates. See Paying for Your Benefits for your cost of coverage in 2010.

                              Medical Plan Choices
                              For 2010, SunTrust will continue to offer the choices of an HMO, PPO or HDHP medical plan, but                What’s Your Best Medical
                              we are streamlining the HMO and PPO options available:                                                        Plan Value?
                                                                                                                                            Take a look at how
                                 • HMO — HMO Plus is being eliminated. SunTrust will offer one HMO option for 2010 — HMO                    the plans compare in
                                   Basic. If you are currently enrolled in HMO Plus, you will be automatically enrolled in HMO              different scenarios.
                                   Basic for 2010 unless you make another choice during Annual Enrollment.
                                 • PPO — SunTrust will no longer offer PPO “Buy-Down” options. If you are currently enrolled
                                   in one or more of the Buy-Down features, you will be automatically enrolled in the
                                   Core features for those options in 2010 unless you make another choice during Annual
                                   Enrollment.
                              See Medical Coverage for more information about your 2010 choices.
                                                                                                                         More



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  Making Solid Benefit Choices for 2010
       What’s Changing          Your 2010                 Tools and          Making Benefit Changes            Contact
          for 2010            Benefit Choices             Resources             During the Year              Information


Home Page
                              What’s Changing for 2010                       (continued)
                                                                                                                                           Bottom Line?
How to Use This Guide
                              PPO Annual Deductibles                                                                                       With the changes, an
Enrolling
                              For the PPO options, the annual deductibles are increasing.                                                  individual enrolled in PPO
Paying for Your Benefits                                                                                                                   Core would see a $500
                                                          2009 Deductible                          2010 Deductible                         increase in total potential
Medical Coverage
                               PPO Option       In-Network        Out-of-Network        In-Network          Out-of-Network                 in-network out-of-pocket
Dental Coverage                                                                                                                            costs.
                               Buy-Up           $300/individual   $600/individual       $400/individual     $800/individual
Vision Coverage                                                                                                                            2009: $3,500 ($500
                                                $600/family       $1,200/family         $800/family         $1,600/family
Flexible Spending                                                                                                                          deductible + $3,000
                               Core             $500/individual   $1,000/individual     $600/individual     $1,200/individual
Accounts (FSAs)                                                                                                                            coinsurance max)
                                                $1,000/family     $2,000/family         $1,200/family       $2,400/family
Income Protection Benefits                                                                                                                 2010: $4,000 (out-of-
                               Buy-Down         $750/individual   $1,500/individual                   Not available
                                                                                                                                           pocket max, which
Employee Assistance Program                     $1,500/family     $3,000/family
                                                                                                                                           includes deductible)
Legal Notices

Summary Plan Descriptions     HMO and PPO Out-of-Pocket Maximums
                              The plan’s “out-of-pocket maximum” is the most you’ll pay out of your pocket for coinsurance and deductibles during a
                              year. The HMO and PPO options are changing from a “coinsurance maximum” to an “out-of-pocket maximum” for 2010.
                              That means any deductible you pay will count toward the maximum. For example, if you choose PPO Core, once you meet
                              the $600 individual in-network deductible, you will meet the out-of-pocket maximum after you pay $3,400 in coinsurance
                              ($3,400 + $600 = $4,000). After you reach the out-of-pocket maximum, the plans pay 100% of eligible expenses.

                                                                  2009 (Coinsurance Maximum)                          2010 (Out-of-Pocket Maximum)

                               Option                    In-Network               Out-of-Network            In-Network               Out-of-Network
                               HMO Basic                 $2,000/individual        N/A                       $2,000/individual        N/A
                                                         $4,000/family                                      $4,000/family
                               PPO Buy-Up                $2,000/individual        $4,000/individual         $3,000/individual        $6,000/individual
                                                         $4,000/family            $8,000/family             $6,000/family            $12,000/family
                               PPO Core                  $3,000/individual        $6,000/individual         $4,000/individual        $8,000/individual
                                                         $6,000/family            $12,000/family            $8,000/family            $16,000/family
                               PPO Buy-Down              $4,000/individual        $8,000/individual                           Not available
                                                         $8,000/family            $16,000/family
                                                                                                                                                      More

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Home Page
                              What’s Changing for 2010                   (continued)
How to Use This Guide
                              HMO and PPO Prescription Drug Coverage
Enrolling
                              As drugs become more advanced than ever, doctors are prescribing more and more drug therapies to help people
Paying for Your Benefits      manage their conditions.
Medical Coverage              We’ve made a few changes to our prescription drug coverage in 2010 that are designed to balance increasing costs by
Dental Coverage               encouraging the use of generics and other cost-effective drugs. Understanding how the prescription drug coverage works
                              can help you make good buying decisions and lower your out-of-pocket costs.
Vision Coverage

Flexible Spending             The changes to prescription drug coverage beginning January 1, 2010 include:
Accounts (FSAs)                • A preferred drug list for brand-name drugs — your cost will be lower when you use a drug on the preferred drug
Income Protection Benefits       list. The preferred drug list, which is available at BENE Online, is compiled by an independent group of doctors and
                                 pharmacists and includes medications for most medical conditions that are treated on an outpatient basis. About
Employee Assistance Program      90% of the brand-name medications currently used by SunTrust participants are on the preferred drug list.
Legal Notices                  • Streamlined coverage options — the Buy-Down option will no longer be offered. If you are currently enrolled in the
Summary Plan Descriptions        Buy-Down option for prescription drugs, you will be automatically enrolled in the Core option in 2010 unless
                                 you make another choice during Annual Enrollment.
                               • Increased copayments for generics and increased coinsurance for some brand-name medications.

                              Here’s a look at prescription drug coverage for 2010.
                                                                             Buy-Up Option                Core Option
                               Annual Out-of-Pocket Maximum           $1,500 per person            $3,000 per person
                               Retail (30-day supply)
                               Generic                                $5 copay                     $10 copay
                               Preferred brand-name                   30%, max $95                 40%, max $115
                               Non-preferred brand-name               40%, max $125                50%, max $135
                               Home Delivery (90-day supply)
                               Generic                                $10 copay                    $20 copay
                               Preferred brand-name                   30%, max $190                40%, max $230
                               Non-preferred brand-name               40%, max $250                50%, max $270
                                                                                                                                    More


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          for 2010            Benefit Choices           Resources            During the Year             Information


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                              What’s Changing for 2010                   (continued)
How to Use This Guide
                              Change in LTD Effective Date
Enrolling
                              All full-time teammates who have completed six months of service as of January 1, 2010 will be
Paying for Your Benefits      eligible for the Basic 50% Long-Term Disability coverage in 2010. Previously, you had to wait one
                              full year.
Medical Coverage

Dental Coverage                 • Anyone who will reach this minimum service requirement by January 1 will also be eligible to
                                  elect 60% or 70% Supplemental LTD coverage during Annual Enrollment.
Vision Coverage

Flexible Spending               • Teammates who reach their six-month anniversary after January 1 will have the opportunity
Accounts (FSAs)                   to enroll in Supplemental LTD when they reach that anniversary.
Income Protection Benefits

Employee Assistance Program

Legal Notices

Summary Plan Descriptions




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  Making Solid Benefit Choices for 2010
       What’s Changing          Your 2010                           Tools and                 Making Benefit Changes                        Contact
          for 2010            Benefit Choices                       Resources                    During the Year                          Information


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                              Your 2010 Benefit Choices At-a-Glance
How to Use This Guide
                              The chart below summarizes the SunTrust benefit options available to you for 2010.
Enrolling
                               Medical Coverage                                    Options are available based on home zip code and may include:
Paying for Your Benefits       (All options include prescription                   Aetna HMO Basic
Medical Coverage               drug coverage)                                      Aetna or BlueCross BlueShield Build-Your-Own PPO*
                                                                                   CIGNA High Deductible Health Plan (HDHP) with
Dental Coverage                                                                    optional HSA
Vision Coverage                Dental Coverage                                     CIGNA Basic Dental Plan
Flexible Spending                                                                  CIGNA Plus Dental Plan
Accounts (FSAs)                                                                    CIGNA Dental HMO (available based on home zip code)
Income Protection Benefits
                               Vision Coverage                                     UnitedHealthcare Vision Plan

Employee Assistance Program    Flexible Spending Accounts (FSAs)                   Health Care FSA
                                                                                   Dependent Care FSA (day care for your dependents while you work)
Legal Notices
                               Health Savings Account                              If you enroll in the HDHP option, you can establish an HSA and
Summary Plan Descriptions                                                          contribute pre-tax pay to build savings for future health care costs
                                                                                   — including retiree health care costs
                               Long-Term Disability (LTD)                          Supplemental LTD — 60% or 70% (available if you are a full-time
                                                                                   teammate and have completed six months of employment)
                              * If you live outside of both PPO networks, you will be eligible to enroll for the Out-of-Area Plan. You will see this option when you go to
                              BENE Online if you are eligible for this plan.

                              In general, the benefits you choose during enrollment stay in effect through December 31, 2010. See Making
                              Benefit Changes During the Year for more information.
                              You and SunTrust share the cost of any medical or dental coverage you choose. If you enroll in the HDHP
                              medical plan, you can choose to contribute to a Health Savings Account, and any wellness rewards from
                              SunTrust go into your HSA. If you enroll in vision coverage, flexible spending accounts, or supplemental LTD,
                              you pay the full cost of that coverage.
                              Benefits automatically provided by SunTrust at no cost to you include basic life insurance and AD&D, basic
                              50% LTD (full-time only), the Employee Assistance Program (EAP), a wellness program, a WeightWatchers
                              subsidy (30%) and Sparkfly discounts.

                              The Pre-tax Advantage
                              Your contributions for medical, dental, and vision coverage, as well as your FSA contributions are taken from
                              your paycheck before Social Security, federal, and most state and local income taxes are deducted. If you
                              enroll in the HDHP and sign up for a SunTrust HSA, your HSA contributions are pre-tax as well.
                                                                                                                                                                             Previous page   Next page   8
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       What’s Changing          Your 2010               Tools and          Making Benefit Changes           Contact
          for 2010            Benefit Choices           Resources             During the Year             Information


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                              Who Must Enroll
How to Use This Guide
                              You must actively enroll during Annual Enrollment if:
Enrolling
• Who Must Enroll              • You wish to enroll in, change, or drop medical, dental, and/or vision coverage
• How to Enroll                • You are enrolled in the HMO Plus or have one of the Buy-Down PPO options and don’t want the
• PIN Information                default coverage
• Who You Can Enroll
                               • You want to add or drop covered dependents and change your coverage level
Paying for Your Benefits
                               • You wish to enroll in one or both Flexible Spending Accounts (FSAs) for 2010 — even if you
Medical Coverage                 participate this year
Dental Coverage                • You are enrolled or enrolling in the HDHP and need to set up a SunTrust Health Savings Account
                                 (HSA) for payroll deductions and/or wellness rewards
Vision Coverage
                               • You are currently enrolled in an HSA and want to change your deduction amount for 2010
Flexible Spending
Accounts (FSAs)
                                 (Note: any wellness reward dollars you receive from SunTrust count toward your maximum
                                 allowable contribution. You can adjust your HSA contributions during the year if needed to
Income Protection Benefits       reflect wellness rewards.)
Employee Assistance Program
                              What Happens if You Don’t Enroll?
Legal Notices                 If you don’t actively enroll for benefits during this Annual Enrollment, you will not be able to
                              participate in either FSA for 2010. Also, with the elimination of some of the medical plan and
Summary Plan Descriptions
                              prescription drug coverage choices, you will be enrolled in the following coverage if you don’t
                              make choices during Annual Enrollment:
                               • If you are currently enrolled in HMO Plus, you will be enrolled in HMO Basic for 2010.
                               • If you are currently enrolled in one or more of the PPO Buy-Down features, you will be
                                 enrolled in the Core features for those options for 2010.
                               • If you are currently enrolled in the Buy-Down option for prescription drugs, you will be
                                 enrolled in the Core option in 2010.
                              Otherwise, you will continue to be enrolled in the same benefits, at the same coverage levels,
                              next year as you are today, with the exception of the FSAs.
                              Please remember that elections you make during Annual Enrollment cannot be changed during
                              the year unless you experience a qualified life event that allows a change to your current
                              coverage.
                              There is one exception: If you enroll in the HDHP and set up an HSA, you can change your HSA
                              contribution at any time during the year, subject to the annual maximum contribution.
                                                                                                                                 Previous page   Next page   9
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       What’s Changing          Your 2010               Tools and          Making Benefit Changes         Contact
          for 2010            Benefit Choices           Resources             During the Year           Information


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                              How to Enroll
How to Use This Guide
                              You can enroll online or by phone from October 19 through November 6, 2009.
Enrolling
• Who Must Enroll               To enroll via BENE Online                         To enroll by phone
• How to Enroll
                                BENE Online is available 24/7.                    Benefits Representatives are available
• PIN Information
                                                                                  weekdays from 8:30 a.m. to 6:30 p.m. (ET)
• Who You Can Enroll            1. Go to BENE Online.                             during Annual Enrollment.
Paying for Your Benefits        2. Enter your Social Security number and PIN.
                                3. Click the special enrollment link below        1. Dial 800.818.2363.
Medical Coverage
                                    “Welcome to BENE Online” — or select the      2. Touch 2 for Benefits, then the pound key
Dental Coverage                     Health & Welfare tab.                             (#) for Annual Enrollment.
                                4. Select “Annual Enrollment” and follow          3. Enter your Social Security number and
Vision Coverage
                                    the instructions. (Remember — if you are          PIN.
Flexible Spending                   idle for more than 10 minutes, you will be    4. You will be connected to a Benefits
Accounts (FSAs)                     automatically disconnected from the site          Representative who will walk you
Income Protection Benefits          for security reasons.)                            through the enrollment process.
                                5. Making your election is a two-step process:    5. If you have a work email address, you
Employee Assistance Program         First, you must “submit” your elections,          should receive an email confirmation
Legal Notices                       and then you must click “confirm” to              within 24 hours. A confirmation
                                    complete the process.                             statement will also be mailed to your
Summary Plan Descriptions
                                6. You should receive a confirmation number.          home.
                                    If you don’t, call BENE at 800.818.2363.      6. It is your responsibility to review the
                                7. If you have a work email address, you              confirmation statement to verify that
                                    should receive an email confirmation              your selections have been accurately
                                    within 24 hours. A confirmation statement         recorded.
                                    will also be mailed to your home.
                                8. It is your responsibility to review the
                                    confirmation statement to verify that your
                                    selections have been accurately recorded.




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          for 2010            Benefit Choices            Resources            During the Year            Information


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                              PIN Information
How to Use This Guide
                              Register for “Forgot Your PIN?”
Enrolling
                              If you haven’t already, you can register through BENE Online’s “Forgot your PIN?” and you’ll be
• Who Must Enroll
                              able to access your personalized benefits information and enroll in benefits even if you are unable
• How to Enroll
                              to remember your four-digit PIN.
• PIN Information
• Who You Can Enroll          To register for “Forgot your PIN?”
Paying for Your Benefits       1. Sign on to BENE Online with your Social Security number and PIN.
Medical Coverage               2. From the home page, click on “Personal Information,” then on “Login and Site Preferences,”
                                  and then on “Register for ‘Forgot your PIN?’”
Dental Coverage
                               3. Choose two challenge questions from the list and provide answers.
Vision Coverage
                              Once you’re registered, you’ll be able to sign on to BENE Online if you ever forget your PIN by
Flexible Spending             entering your Social Security number and answering the two questions you selected.
Accounts (FSAs)

Income Protection Benefits    Request a PIN Reminder
                              If you have forgotten your PIN and you haven’t registered with “Forgot Your PIN?” you can request
Employee Assistance Program   a PIN reminder online or by phone:
Legal Notices                  • Online — From the BENE Online sign-on page, enter your Social Security number and then click
Summary Plan Descriptions        “Request your PIN”
                               • By phone — Call BENE and press 2. Then, enter your Social Security number and wait to be
                                 prompted to press 1 for a PIN reminder.
                              In either case, your PIN reminder will be mailed to your home address within two business days of
                              your request.




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  Making Solid Benefit Choices for 2010
       What’s Changing          Your 2010                         Tools and                 Making Benefit Changes                      Contact
          for 2010            Benefit Choices                     Resources                    During the Year                        Information


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                              Who You Can Enroll
How to Use This Guide
                              As a full-time or regular part-time teammate, you can enroll yourself and your eligible
Enrolling                     dependents. Your eligible dependents include:
• Who Must Enroll
• How to Enroll                •	 Your spouse
• PIN Information              •	 Your same-sex domestic partner*
• Who You Can Enroll
                               •	 Your unmarried children, up to the end of the year they turn 19 (or up to the end of the year
Paying for Your Benefits          they turn 25 for full-time students taking at least 12 credit hours a semester)
Medical Coverage               •	 Stepchildren who live with you six months of the year, depend on you for at least 50% of their
Dental Coverage
                                  support, and meet the age requirements for unmarried children
                               •	 Your children age 19 or older who are permanently and totally disabled and who were disabled
Vision Coverage
                                  prior to age 19, or who became disabled while covered under a SunTrust plan as your eligible
Flexible Spending                 dependent
Accounts (FSAs)               * To cover your same-sex domestic partner, you and your domestic partner must complete an Affidavit, which BENE must then approve.
                              See your Domestic Partner Coverage package for important information on federal rules regarding domestic partnership eligibility and tax
Income Protection Benefits    implications for domestic partner coverage.

Employee Assistance Program   For	more	information,	go	to	the	BENE	Online	Reading	Room	and	review	the	“Benefits	Summary”	
Legal Notices                 section	of	the	SunTrust	Benefits	Summary	Plan	Descriptions.	For	Dependent	Eligibility	FAQs,	go	to	
                              the	BENE	Online	Health	and	Welfare	Plan	Guidelines	section.
Summary Plan Descriptions
                              Extended Coverage for a Child on Medical Leave from School
                              Beginning January 1, 2010, Federal law requires group health plans to extend coverage up to
                              a	year	for	your	dependent	child	who	loses	student	status	(as	defined	by	the	plan)	because	of	a	
                              serious illness or injury that requires a medical leave of absence from a postsecondary educational
                              institution.	Coverage	may	end	earlier,	for	example	if	the	child	reaches	the	limiting	age	defined	by	
                              the plan. You may be required to provide a written statement from your child’s treating physician
                              that the leave is medically necessary.

                              Enrolling Ineligible Dependents
                              Enrolling ineligible dependents is a violation of the SunTrust Code of Business Conduct and Ethics.
                              Any teammate found to have enrolled ineligible dependents may be dropped from coverage and
                              permanently	ineligible	from	enrolling	in	the	SunTrust	benefits	plans.	The	teammate	may	also	be	
                              subject to disciplinary action, up to and including termination.




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                              Paying for Your Benefits
How to Use This Guide
                              The following charts show the semi-monthly premium amounts for all medical, dental, and vision
Enrolling                     plan options available in 2010. If you are paid monthly instead of semi-monthly, be sure to double
Paying for Your Benefits      the amounts shown in these charts to see what your monthly cost would be.
Medical Coverage              Calculating Semi-Monthly HMO Basic Premiums
Dental Coverage               Calculating Semi-Monthly Build-Your-Own PPO Premiums

Vision Coverage               CIGNA High Deductible Health Plan (HDHP)

Flexible Spending
                              CIGNA Dental Plans
Accounts (FSAs)               UnitedHealthcare Vision Care Plan
Income Protection Benefits
                              Calculating Semi-Monthly HMO Basic Premiums
Employee Assistance Program   To calculate your semi-monthly premium:
Legal Notices                  1. Find the semi-monthly cost based on the coverage tier you want.
Summary Plan Descriptions      2. Choose your Prescription Drug Coverage and find the semi-monthly cost for your coverage tier.
                               3. Add to get your semi-monthly premium.

                                                                                      Teammate       Teammate          Teammate
                                                                        Teammate       + Spouse     + Child(ren)        + Family
                                Medical            Aetna HMO Basic        $56.80       $146.45        $103.50           $186.45
                                Coverage           Plan
                                Prescription       Buy-Up               Add $7.50     Add $15.00     Add $12.75        Add $21.00
                                Drug Coverage
                                (choose one)       Core                    $0             $0             $0               $0



                                                                                                                               More




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                              Paying for Your Benefits                (continued)
How to Use This Guide
                              Calculating Semi-Monthly Build-Your-Own PPO Premiums
Enrolling
                              To calculate your semi-monthly premium:
Paying for Your Benefits
                               1. Start with the Core price for PPO coverage based on the coverage tier you want.
Medical Coverage               2.	 Choose	your	Annual	Deductible	level	and	find	the	semi-monthly	cost	for	your	coverage	tier.	
Dental Coverage                3.	 Choose	your	Coinsurance/Out-of-Pocket	Maximum	level	and	find	the	semi-monthly	cost	for	your	coverage	tier.	
Vision Coverage                4.		Choose	your	Prescription	Drug	Coverage	and	find	the	semi-monthly	cost	for	your	coverage	tier.	
Flexible Spending              5. Add the Core Price and the other three costs together to get your semi-monthly premium.
Accounts (FSAs)
                                                                                            Teammate          Teammate           Teammate
Income Protection Benefits
                                                                          Teammate           + Spouse        + Child(ren)         + Family
Employee Assistance Program     Core Price for PPO                            $25.80          $84.45            $50.80              $99.65
Legal Notices                   Annual            Buy-Up                   Add $9.00        Add $18.00        Add $15.30         Add $25.20
Summary Plan Descriptions       Deductible
                                (choose one)      Core                         $0               $0                $0                  $0
                                Coinsurance/      Buy-Up                  Add $13.50        Add $27.00        Add $22.95         Add $37.80
                                Annual
                                Out-of-Pocket
                                Maximum           Core                         $0               $0                $0                  $0
                                (choose one)
                                Prescription      Buy-Up                   Add $7.50        Add $15.00        Add $12.75         Add $21.00
                                Drug Coverage
                                (choose one)      Core                         $0               $0                $0                  $0


                              CIGNA High Deductible Health Plan (HDHP)
                              Your semi-monthly cost as of January 1, 2010:

                                                                                            Teammate          Teammate           Teammate
                                                                          Teammate           + Spouse        + Child(ren)         + Family
                                CIGNA HDHP (includes prescription             $9.05           $36.65            $22.60              $42.90
                                drug	benefits)
                                                                                                                                                  More

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                              Paying for Your Benefits               (continued)
How to Use This Guide
                              CIGNA Dental Plans
Enrolling
                              Your semi-monthly cost as of January 1, 2010:
Paying for Your Benefits
                                                                        Teammate          Teammate         Teammate
Medical Coverage                                       Teammate          + Spouse        + Child(ren)       + Family
Dental Coverage                 CIGNA Basic              $8.45            $16.85            $17.60           $24.15
Vision Coverage                 CIGNA Plus              $18.00            $33.95            $34.65           $49.00
Flexible Spending               CIGNA Dental HMO         $7.20            $12.65            $14.30           $23.00
Accounts (FSAs)

Income Protection Benefits
                              UnitedHealthcare Vision Care Plan
Employee Assistance Program   Your semi-monthly cost as of January 1, 2010:
Legal Notices
                                                                        Teammate          Teammate         Teammate
Summary Plan Descriptions                              Teammate          + Spouse        + Child(ren)       + Family
                                Vision Care              $2.90                $4.90         $5.00            $8.20




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                              Tools and Resources
How to Use This Guide
                              Tools to Help You Choose a Medical Plan        Provider Web sites
Enrolling
                              Health and Wellness Tools and Resources        Tools to Help You Plan Your FSAs
Paying for Your Benefits

Medical Coverage              Tools to Help You Choose a Medical Plan
Dental Coverage
                              Compare Health Plans                                                                                        Find a Provider
                              Go to BENE Online under the “Health & Welfare” tab, choose “Planning Tools” from the left and               Go to BENE Online under
Vision Coverage               click “Compare Health Plans” to reach the Health Plan Evaluator. The Health Plan Evaluator lets             the “Health & Welfare”
Flexible Spending             you compare plan features side-by-side and estimate how much each plan would cost in 2010                   tab, choose “Planning
Accounts (FSAs)               based on premiums plus your out-of-pocket cost for the medical care you anticipate. You can visit           Tools” from the left and
                              your current carrier’s Web site to review your current health care claims and expenses.                     click “Find a Provider”
Income Protection Benefits
                              Here’s how to review your claims data for each carrier:                                                     to search for in-network
Employee Assistance Program                                                                                                               providers for the SunTrust
                                 • For the Aetna plans, go to www.aetnanavigator.com
Legal Notices                                                                                                                             health care plans for
                                 • For the BlueCross BlueShield PPO plan, go to www.bcbsga.com and click the “My Claims” tab              which you are eligible.
Summary Plan Descriptions
                                 • For the CIGNA HDHP plan, go to www.mycigna.com and choose “Claim Search” on the
                                   home page
                              Health Plan Member Services
                              The Customer Service Representatives at Aetna, BlueCross BlueShield, CIGNA, and Express
                              Scripts, and the BENE representatives are available to answer your questions as you think about
                              which plan may be right for you. See Contact Information for phone numbers and Web site
                              addresses.
                              Express Preview
                              Express Preview helps you research drug costs and estimate your annual prescription drug
                              expenses if you are enrolled in the HMO Basic, PPO, or Out-of-Area Plan. It also can help you
                              estimate out-of-pocket expenses that may be reimbursed through the Health Care FSA. (Note:
                              This tool is not available if you enroll in the HDHP because your prescription coverage is provided
                              by CIGNA.)
                              CIGNA HSA Cost Calculator
                              CIGNA’s HSA Cost Calculator can help you estimate your annual tax savings if you enroll in the
                              HDHP and set up an HSA based on your contribution and tax bracket. Remember, any wellness
                              reward dollars you receive from SunTrust count toward your maximum allowable contribution.
                              To access the tool, enter Open Enrollment ID: SunTrust2010; password: cigna.
                                                                                                                                                     More
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Home Page                     Health and Wellness Tools and Resources
How to Use This Guide         Owning Your Health
Enrolling                     SunTrust has created a tab on BENE Online called “Owning Your Health” that makes it easy to
                              access online tools and special programs for your health and wellness, including:
Paying for Your Benefits                                                                                                               BENE — The SunTrust
                               • Personal Health Record (PHR), a confidential tool to store and organize all of your health
Medical Coverage                 information. You control complete access to your record and decide who will view it.                  Benefits Service
                                                                                                                                       Center
Dental Coverage                • The Health Assessment, which gives you a personalized report showing your risk factors and            You can use BENE
Vision Coverage
                                 steps you can take to improve your health.                                                            Online or call toll-free
                               • Healthcare AdvisorTM, which can help you better understand medical conditions and their               to talk with a Benefits
Flexible Spending
Accounts (FSAs)                  treatment options, compare hospitals, and find up-to-date information on health topics                Representative about
                                 important to you. Go to BENE Online under the “Health & Welfare” tab, choose “Planning                SunTrust benefits,
Income Protection Benefits       Tools” from the left and click “Get Doctor and Hospital Quality Ratings.”                             enrolling during Annual
Employee Assistance Program    • Active Lifestyle Coaching, a personalized wellness resource to help you eat right, get in             Enrollment, changing
                                 shape, lose weight, and quit smoking. It’s also an online resource for classes, nutrition and         your benefit choices
Legal Notices                                                                                                                          within 31 days of a
                                 exercise planners, and more.
Summary Plan Descriptions                                                                                                              qualifying life event, and
                               • Informed Health Line — call 800.556.1555 to speak to a registered nurse 24 hours a day.               providing or correcting
                               • The ActiveHealth Disease Management Program, offering personalized counseling and support             information about your
                                 if you or a family member has a chronic condition.                                                    dependents.

                               • There is also an Employee Assistance Program and a WeightWatchers subsidy (30%).

                              Provider Web Sites
                              Find information on coverage, claims, health-related topics, and discounts available from the
                              carriers.
                              Aetna NavigatorTM               CIGNA
                              BlueCross BlueShield            Express Scripts

                              Tools to Help You Plan Your FSAs
                              Aetna FSA Calculator
                              Aetna’s FSA Calculator can help you determine an annual contribution amount based on your anticipated
                              health care and dependent care (day care) needs and see how using an FSA can help save you money in
                              taxes. If you enroll in the HDHP and set up an HSA, consider how the two accounts work together when
                              you decide whether to contribute to an FSA. See How the HSA Works with the Health Care FSA.

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                                   Medical Coverage
How to Use This Guide
                                   The options available to you are based on your home zip code and shown on BENE Online and may
Enrolling                          include:
Paying for Your Benefits            • Aetna HMO Basic plan
Medical Coverage                    • A PPO plan, administered by Aetna or BlueCross BlueShield, that allows you to customize your
• Comparing Plan Features             benefits by choosing your deductible amount and coinsurance level
• Aetna Health Maintenance
  Organization (HMO) Basic          • An Out-of-Area plan if you live outside the PPO service area
• Preferred Provider                • The CIGNA High Deductible Health Plan (HDHP) with an optional Health Savings Account (HSA)
  Organizations (PPOs)
• The Out-of-Area Plan             While all your medical plan options cover the same services, including preventive care, there are
• Prescription Drug Coverage for   differences in how the plans work — how you pay for coverage versus how you pay for care, how
  the HMO Basic, PPO and Out-      you manage your benefits, and how you manage health care costs.
  of-Area Options
• High Deductible Health Plan      Breast Reconstruction Following a Mastectomy
• The SunTrust Health Savings
  Account (HSA)                    If you have a mastectomy, all SunTrust medical plans provide the following benefits:
• Comparing How the Plans Pay       • Reconstruction of the breast on which the mastectomy has been performed
  Benefits
• Terms to Know                     • Surgery and reconstruction of the other breast to produce a symmetrical appearance
Dental Coverage                     • Prostheses and treatment of physical complications at all stages of mastectomy, including
                                      lymphedemas
Vision Coverage

Flexible Spending
Accounts (FSAs)

Income Protection Benefits

Employee Assistance Program

Legal Notices

Summary Plan Descriptions




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                                   Comparing Plan Features
How to Use This Guide
                                                                                        Aetna HMO                 Build-Your-Own                          CIGNA                   See Terms to Know for
Enrolling
                                                                                           Basic                        PPO                               HDHP                    key definitions.
Paying for Your Benefits
                                     Features a network of                                    Yes                          Yes                              Yes
Medical Coverage                     providers
• Comparing Plan Features            Offers flexibility to use                                No                  Yes — paid at        Yes — paid at
• Aetna Health Maintenance           out-of-network providers                                                 out-of-network level out-of-network level
  Organization (HMO) Basic
• Preferred Provider                 Requires you to choose a PCP                             Yes                          No                                No
  Organizations (PPOs)
• The Out-of-Area Plan
                                     Requires PCP referral for                                Yes                          No                                No
• Prescription Drug Coverage for
                                     specialist care
  the HMO Basic, PPO and Out-        Has an annual deductible you                            Yes*                          Yes                              Yes
  of-Area Options                    must meet before the plan
• High Deductible Health Plan        pays most benefits
• The SunTrust Health Savings
  Account (HSA)                      Features copays for office visit                         Yes                          No                                No
• Comparing How the Plans Pay        services
  Benefits                           Has an annual limit on your                            Yes**                          Yes                              Yes
• Terms to Know                      out-of-pocket spending
Dental Coverage                      Covers in-network preventive                             Yes                          Yes                              Yes
                                     services at 100% (see
Vision Coverage
                                     Comparing How the Plans Pay
Flexible Spending                    Benefits for more detail)
Accounts (FSAs)
                                     Allows you to enroll in an HSA                           No                           No                               Yes
Income Protection Benefits           to save pre-tax for medical
Employee Assistance Program          expenses
                                     Allows you to earn reward                                Yes                          Yes                              Yes
Legal Notices
                                     dollars by participating in the
Summary Plan Descriptions            new wellness program
                                    * Deductible applies to services received outside the doctor’s office. It does not apply to services provided in the doctor’s office,
                                    which are covered by the office visit copayment, or to other services requiring copayments.
                                    ** Excludes copays




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                                   Aetna Health Maintenance Organization (HMO) Basic
How to Use This Guide
                                   SunTrust offers the HMO Basic plan administered by Aetna. The HMO Basic provides medical                HMO Plus will no longer
Enrolling                          treatment and services through the Aetna SelectSM network of doctors, hospitals, and other              be offered in 2010. If you
Paying for Your Benefits           providers.                                                                                              are currently enrolled
Medical Coverage                   When you enroll in the HMO Basic for the first time, you must choose a Primary Care Physician           in HMO Plus, you will be
• Comparing Plan Features          (PCP) from the network for yourself and each covered family member to coordinate care. You must         enrolled automatically in
• Aetna Health Maintenance         have a referral from your PCP for most specialist services. Except for medical emergencies, all         HMO Basic for 2010 unless
  Organization (HMO) Basic         care must be received from Aetna SelectSM network providers. If you use a provider who does not         you make another choice
• Preferred Provider               belong to the network or see a specialist without a referral from your PCP, you are responsible for     during Annual Enrollment.
  Organizations (PPOs)             the full cost.
• The Out-of-Area Plan
• Prescription Drug Coverage for   You and each of your covered dependents may choose a different PCP. Your PCP is responsible for
  the HMO Basic, PPO and Out-      coordinating all of your care, including:
  of-Area Options                   • Providing routine and preventive care
• High Deductible Health Plan
• The SunTrust Health Savings       • Providing referrals to specialists within the network (referrals are not needed for routine OB/
  Account (HSA)                       GYN care, well-baby care, mental health/substance abuse treatment, or urgent care, although
• Comparing How the Plans Pay         the higher specialist copayment may apply)
  Benefits
                                    • Helping to arrange hospital stays and other specialty treatment within the network
• Terms to Know
                                   Copayments apply to office services and emergency room and urgent care services. Preventive care
Dental Coverage
                                   is covered at 100% with no copayment. You must meet an annual deductible before the plan begins
Vision Coverage                    to pay for most services received outside the doctor’s office. For services that are not covered by
                                   a copayment, you pay coinsurance after you meet the deductible. You also have the protection
Flexible Spending
Accounts (FSAs)                    of an annual out-of-pocket maximum. If you reach your out-of-pocket maximum during the year,
                                   the plan pays 100% of the cost for all additional medical services you and your family would need
Income Protection Benefits         for the rest of the year, other than those requiring a set copayment. Refer to Comparing How the
Employee Assistance Program        Plans Pay Benefits and the HMO Coverage Overview for details on copayment, coinsurance and out-
                                   of-pocket maximum amounts.
Legal Notices

Summary Plan Descriptions          Prescription Drug Benefits
                                   Your prescription drug benefits are provided through Express Scripts. This coverage features
                                   copayments and coinsurance, and an out-of-pocket maximum that is separate from the HMO Basic
                                   Maximum. When you enroll for medical coverage, you choose from two different prescription drug
                                   levels to complete your medical benefit election. See Prescription Drug Coverage for the HMO
                                   Basic, PPO and Out-of-Area Options for more information on prescription drug benefits and your
                                   coverage options.
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                                   Preferred Provider Organizations (PPOs)
How to Use This Guide
                                   Depending on where you live, you may be eligible for the Preferred Provider Organization (PPO),
Enrolling                          offered through one of the following networks:
Paying for Your Benefits            • The Aetna Choice POS II, or
Medical Coverage                    • The BlueCross BlueShield (BCBS) Blue Card PPO
• Comparing Plan Features
• Aetna Health Maintenance         How the PPO Option Works
  Organization (HMO) Basic         The PPOs feature a network of doctors, hospitals, and other health care providers who have agreed
• Preferred Provider               to charge negotiated fees for their services through either the Aetna Choice POS II or BCBS Blue
  Organizations (PPOs)
                                   Card network, depending on your home zip code. Each time you need care, you decide whether to
• The Out-of-Area Plan
                                   use an in-network provider or an out-of-network provider.
• Prescription Drug Coverage for
  the HMO Basic, PPO and Out-      When you use in-network providers, you pay less out of your own pocket for your care. This is
  of-Area Options                  because the plan pays a higher percentage of the cost, and your costs are based on the negotiated
• High Deductible Health Plan      fees that in-network providers have agreed to charge. There are no claim forms to file when
• The SunTrust Health Savings      you use in-network providers, and you do not have to choose a Primary Care Physician (PCP) to
  Account (HSA)
                                   coordinate your care. You can go to any in-network provider and receive in-network benefits. When
• Comparing How the Plans Pay
                                   you use out-of-network providers, you pay more out of your own pocket for your care. In addition,
  Benefits
• Terms to Know
                                   out-of-network charges will be subject to Reasonable and Customary (R&C) allowances. You may
                                   also be required to file your own claims.
Dental Coverage
                                   You must meet an annual deductible before the plan begins to pay for most eligible benefits.
Vision Coverage                    Preventive care from in-network providers is covered at 100% with no deductible. Once you meet          The Buy-Down options
Flexible Spending
                                   your deductible, the plan pays a percentage of the cost of care — also known as coinsurance — and       will no longer be offered
Accounts (FSAs)                    you pay the rest. Remember that when you use out-of-network providers you are also responsible          in 2010. If you are
                                   for any costs over Reasonable and Customary (R&C) allowances.                                           currently enrolled in one
Income Protection Benefits                                                                                                                 or more of the Buy-Down
Employee Assistance Program        Building Your Own PPO Plan                                                                              features, you will be
                                   The PPO is based on a Core level of benefits. For 2010, you have a choice of two options for            enrolled automatically
Legal Notices                      deductibles and two options for coinsurance and out-of-pocket maximums — Buy-Up or Core.                in the Core features for
Summary Plan Descriptions          Your choices for annual deductible options and coinsurance/annual out-of-pocket maximum options         those options in 2010
                                   are shown on the next page. The Health Plan Evaluator tool at BENE Online can help you determine        unless you make another
                                   what mix may work best for you based on your anticipated medical care needs.                            choice during Annual
                                                                                                                                           Enrollment.
                                                                                                                             More



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                                   PPOs      (continued)
How to Use This Guide
                                   Annual Deductible Options
Enrolling

Paying for Your Benefits            Option            In-Network            Out-of-Network
                                    Buy-Up           $400/individual        $800/individual
Medical Coverage
                                                       $800/family           $1,600/family
• Comparing Plan Features
• Aetna Health Maintenance          Core             $600/individual        $1,200/individual
  Organization (HMO) Basic                            $1,200/family           $2,400/family
• Preferred Provider
  Organizations (PPOs)
• The Out-of-Area Plan             Coinsurance and Annual Out-of-Pocket Maximum Options
• Prescription Drug Coverage for
                                   For 2010, there is an out-of-pocket maximum instead of a coinsurance maximum.
  the HMO Basic, PPO and Out-
  of-Area Options                                                In-Network                                  Out-of-Network
• High Deductible Health Plan
• The SunTrust Health Savings                                           Out-of-Pocket                                 Out-of-Pocket
  Account (HSA)                     Option           Coinsurance          Maximum               Coinsurance             Maximum
• Comparing How the Plans Pay       Buy-Up                90%          $3,000/individual             70%            $6,000/individual
  Benefits
                                                                         $6,000/family                               $12,000/family
• Terms to Know
                                    Core                  80%          $4,000/individual             60%            $8,000/individual
Dental Coverage
                                                                         $8,000/family                               $16,000/family
Vision Coverage

Flexible Spending                  See the PPO Coverage Overview for more information.
Accounts (FSAs)
                                   Prescription Drug Benefits
Income Protection Benefits         Your prescription drug benefits are provided through Express Scripts. This coverage features
Employee Assistance Program        copayments and coinsurance, and an out-of-pocket maximum that is separate from the PPO
                                   maximum. You choose from two different prescription drug levels to complete your medical
Legal Notices                      election. See Prescription Drug Coverage for the HMO Basic, PPO and Out-of-Area Options for
Summary Plan Descriptions          more information on prescription drug benefits and your coverage options.




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                                   The Out-of-Area Plan
How to Use This Guide
                                   In some areas, neither PPO network provides adequate access to participating providers. If you
Enrolling                          live in an area where the Aetna and BlueCross BlueShield networks are not available, you may
Paying for Your Benefits           choose coverage under BlueCross BlueShield’s Out-of-Area Plan.
Medical Coverage                   How the Out-of-Area Plan Works
• Comparing Plan Features          With the Out-of-Area Plan, you can use any provider or facility you want. You must meet an annual
• Aetna Health Maintenance         deductible of $500 for individual coverage or $1,000 for family coverage before the plan begins
  Organization (HMO) Basic         to pay for other benefits. Once you meet the deductible, the plan generally pays 80% of the
• Preferred Provider               Reasonable and Customary (R&C) allowance. You pay the other 20%, along with any costs above
  Organizations (PPOs)             and beyond R&C charges or charges not considered eligible under the plan.
• The Out-of-Area Plan
• Prescription Drug Coverage for   Preventive care is covered at 100% and is not subject to the annual deductible.
  the HMO Basic, PPO and Out-      You have the same prescription drug benefit choices with the Out-of-Area Plan as you do with the
  of-Area Options
                                   HMO Basic and PPO options.
• High Deductible Health Plan
• The SunTrust Health Savings      If you are eligible to enroll in the Out-of-Area Plan, it will be listed as one of your options on BENE
  Account (HSA)                    Online. In this case, you can find plan details in your SunTrust Benefits Summary Plan Descriptions
• Comparing How the Plans Pay      in the BENE Online Reading Room.
  Benefits
• Terms to Know

Dental Coverage

Vision Coverage

Flexible Spending
Accounts (FSAs)

Income Protection Benefits

Employee Assistance Program

Legal Notices

Summary Plan Descriptions




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                                   Prescription Drug Coverage for the HMO Basic, PPO and
How to Use This Guide
                                   Out-of-Area Options
Enrolling
                                   Prescription drug benefits for the HMO Basic, Build-Your-Own PPO, and Out-of-Area Plan
Paying for Your Benefits                                                                                                                      See Take Control of
                                   are provided through Express Scripts. (CIGNA provides prescription drug coverage to HDHP
                                                                                                                                              Your Prescription Drug
Medical Coverage                   participants.)
                                                                                                                                              Expenses! for ways to
• Comparing Plan Features
                                   Starting in 2010, the prescription drug benefits will feature a preferred drug list for brand-name         save on your drug costs.
• Aetna Health Maintenance
  Organization (HMO) Basic
                                   drugs. Your cost for brand-name drugs will be lower when you use a drug on the preferred drug
• Preferred Provider               list. The preferred drug list, which is available at BENE Online, is compiled by an independent
  Organizations (PPOs)             group of doctors and pharmacists and includes medications for most medical conditions that are
• The Out-of-Area Plan             treated on an outpatient basis.
• Prescription Drug Coverage for
                                   How Prescription Drug Benefits Work
  the HMO Basic, PPO and Out-
  of-Area Options                  Your prescription drug coverage lets you purchase medications from participating retail
• High Deductible Health Plan      pharmacies or through Express Scripts’ home delivery program. You are required to use home
• The SunTrust Health Savings      delivery for regular maintenance medications after the third retail order or contact Express Scripts
  Account (HSA)                    to opt out of mail order. You can use the Find a Provider tool at BENE Online to locate network
• Comparing How the Plans Pay      pharmacies.
  Benefits
• Terms to Know
                                   Your Coverage Options
                                   You have the choice of two prescription drug coverage options, shown below. With each option,              The Buy-Down option will
Dental Coverage                    you pay a low, set copayment for generic medications and a coinsurance amount for brand-name               no longer be offered in
Vision Coverage                    medications. The coinsurance amount for brand-name medications depends on whether the                      2010. If you are currently
                                   medication is on the preferred drug list (formulary).                                                      enrolled in the Buy-
Flexible Spending
Accounts (FSAs)
                                                                                                                                              Down option, you will be
                                                                          Buy-Up Option                Core Option
                                                                                                                                              automatically enrolled in
Income Protection Benefits          Annual Out-of-Pocket Maximum          $1,500 per person            $3,000 per person                      the Core option in 2010
Employee Assistance Program         Retail (30-day supply)                                                                                    unless you make another
                                    Generic                               $5 copay                     $10 copay                              choice during Annual
Legal Notices                                                                                                                                 Enrollment.
                                    Preferred brand-name                  30%, max $95                 40%, max $115
Summary Plan Descriptions
                                    Non-Preferred brand-name              40%, max $125                50%, max $135
                                    Home Delivery (90-day supply)
                                    Generic                               $10 copay                    $20 copay
                                    Preferred brand-name                  30%, max $190                40%, max $230                More
                                    Non-Preferred brand-name              40%, max $250                50%, max $270
                                                                                                                                        Previous page   Next page        24
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                                   Prescription Drug Coverage for the HMO Basic, PPO and
How to Use This Guide
                                   Out-of-Area Options (continued)
Enrolling

Paying for Your Benefits
                                   Step Therapy Program
                                   Under Step Therapy, you must try a first-step drug treatment — usually generics — before a higher
Medical Coverage                   cost brand-name drug is covered. If the first line drug is not effective or there is a clinical reason         If you do not participate
• Comparing Plan Features          that it cannot be used, another medication would be approved.                                                  in Step Therapy when
• Aetna Health Maintenance                                                                                                                        required, a brand name
  Organization (HMO) Basic         Beginning January 1, 2010, you will be required to participate in the Step Therapy program for                 drug will not be covered.
• Preferred Provider               all the classes of medications listed below — even if you are currently grandfathered and take a
  Organizations (PPOs)             brand-name drug. You may have been grandfathered if you were taking a brand-name drug when
• The Out-of-Area Plan             the Step Therapy Program was introduced. Members who are grandfathered will receive additional
• Prescription Drug Coverage for   communication from Express Scripts.
  the HMO Basic, PPO and Out-
  of-Area Options                  The Step Therapy program applies to these classes of medications
• High Deductible Health Plan      • Proton pump inhibitors                • Hypnotics for sleep aid
• The SunTrust Health Savings
                                   • ARB’s, ACE’s, Calcium Channel         • Antivirals
  Account (HSA)
                                     Blockers and Beta Blockers to         • Topical immunondulators
• Comparing How the Plans Pay
  Benefits                           treat high blood pressure               (eczema)
• Terms to Know                    • Brand NSAID’s & COX2’s for pain       • Bisphosphonates for osteoporosis
Dental Coverage                      and inflammation
                                                                           • Lyrica for seizures and nerve pain
Vision Coverage
                                   • Leukotriene inhibitors for asthma
                                                                           • Overactive bladder medications
                                   • HMG Enhanced for cholesterol
Flexible Spending                                                          • Tekturna for hypertension
Accounts (FSAs)                    • SSRI’s and other antidepressants
Income Protection Benefits         • Non-sedating antihistamines
Employee Assistance Program        Specialty Medications through CuraScript
Legal Notices                      If you take any oral or injectable specialty medications, including self-administered drugs, you
                                   must purchase these medications through CuraScript, an Express Scripts subsidiary. You may fill
Summary Plan Descriptions
                                   your initial prescription at a retail pharmacy but then must use CuraScript for your subsequent
                                   refills to be covered. CuraScript provides better discounts than retail costs. You’ll also receive
                                   delivery of specialty medication and supplies to your home, doctor’s office, or any other location,
                                   usually within 24 hours — and you have access to call center assistance, so you can talk toll-free
                                   with pharmacists and nurses.
                                                                                                                                 More

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                                   Take Control of Your Prescription Drug Expenses!
How to Use This Guide
                                   There are lots of ways to take control of your prescription drug costs. Here are just a few ideas:
Enrolling
                                    • Choose generic medications when possible. They are required to have the same active
Paying for Your Benefits              ingredients with the same strength and dosage amounts as their brand-name counterparts but
Medical Coverage                      cost much less. Using generic drugs can reduce your out-of-pocket expenses and should be
• Comparing Plan Features             taken into account when setting money aside for a Health Care Flexible Spending Account.
• Aetna Health Maintenance          • Use Express Scripts’ Price a Drug tool to research your options. This tool lets you research
  Organization (HMO) Basic
                                      various medications to determine your out-of-pocket costs and identify lower-cost alternatives
• Preferred Provider
  Organizations (PPOs)
                                      and other cost saving opportunities. You must register as a member to use the Price a Drug
• The Out-of-Area Plan
                                      tool.
• Prescription Drug Coverage for    • Use Express Preview to plan ahead. This tool lets you research drug costs and helps you
  the HMO Basic, PPO and Out-         estimate your annual prescription drug expenses. It can also help you estimate your out-
  of-Area Options                     of-pocket prescription drug expenses for purposes of deciding how much to contribute to a
• High Deductible Health Plan
                                      Health Care FSA.
• The SunTrust Health Savings
  Account (HSA)                                                                                                                               Sign up for Home
                                   Express Scripts Select Home Delivery
• Comparing How the Plans Pay                                                                                                                 Delivery or call
  Benefits                         Home Delivery is the preferred way to fill your maintenance medications if you’re enrolled in the
                                   SunTrust HMO Basic or PPO. Here’s what this means:                                                         888.772.5188 to opt
• Terms to Know
                                                                                                                                              out of this program.
Dental Coverage
                                    • You can fill your maintenance medication two times at a participating pharmacy.                         If you have questions,
                                      (“Maintenance” means you take a drug regularly, like high blood pressure medication.)                   call Express Scripts at
Vision Coverage
                                    • The third time you fill your prescription, you pay the full cost, unless you enroll for Home            888.772.5188.
Flexible Spending                     Delivery or call Express Scripts to decline Home Delivery.
Accounts (FSAs)

Income Protection Benefits

Employee Assistance Program

Legal Notices

Summary Plan Descriptions




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                                   High Deductible Health Plan (HDHP)
How to Use This Guide
                                   The High Deductible Health Plan (HDHP), also called the Open Access Plus Plan, is available to all
Enrolling                          eligible teammates who live in the CIGNA Open Access Plus network area. In combination with a                        For more about the
Paying for Your Benefits           Health Savings Account (HSA), it offers a powerful way to take control of your health care costs.                    Health Savings Account,
                                   With the HDHP, you reduce your premiums and pay a higher deductible if you need care during                          click here.
Medical Coverage
                                   the year. Preventive care is covered at 100%, even before you meet the deductible.
• Comparing Plan Features
• Aetna Health Maintenance
  Organization (HMO) Basic
                                   About the HDHP Network
• Preferred Provider
                                   The HDHP features the CIGNA Open Access Plus network of providers.                                                   Learn more about the
  Organizations (PPOs)              • You can use any provider or facility you want with the HDHP.                                                      HDHP.
• The Out-of-Area Plan
                                    • When you use in-network providers, however, you receive a higher level of benefits and                            The HDHP — How it
• Prescription Drug Coverage for
  the HMO Basic, PPO and Out-         generally pay less out of your pocket for services.                                                               Works
  of-Area Options                   • When you use out-of-network providers, you are responsible for any charges above Reasonable                       About the HDHP
• High Deductible Health Plan         and Customary (R&C) allowances, and you may have to file your own claims.                                         Deductible and Out-of-
• The SunTrust Health Savings                                                                                                                           Pocket Maximum
  Account (HSA)
• Comparing How the Plans Pay                                                                                                                           Prescription Drug
  Benefits                              How the PPO plans and HDHP are alike                How the PPO plans and HDHP are different                    Benefits for the HDHP
• Terms to Know                         They all feature:                                   In the HDHP:                                                HDHP Coverage
                                        • Coverage for a wide range of services including   • You can set up an HSA to help you pay for
Dental Coverage                                                                                                                                         Overview
                                          hospital care, prescription drugs, mental            deductibles and out-of-pocket expenses now
Vision Coverage                           health, and emergency room                           and in the future (unused funds will not be              CIGNA HSA Cost
                                        • The option to receive medical coverage in-           forfeited)                                               Calculator
Flexible Spending                         network or out-of-network, with less out-of-      • There are higher deductibles and out-of-pocket
Accounts (FSAs)                           pocket cost when you use in-network providers        maximums — in exchange for lower per-                    Qualified Medical
                                        • Limits to your annual out-of-pocket cost for         paycheck costs                                           Expenses
Income Protection Benefits
                                          care; once you meet your annual out-of-pocket     • If you enroll dependents, all participants must
Employee Assistance Program               maximum, your plan pays 100% of covered              meet the family deductible before the HDHP
                                          services for the rest of the plan year               pays benefits for any one individual
Legal Notices
                                        • You pay coinsurance for most services after the   • Prescription drugs are treated like other medical
Summary Plan Descriptions                 deductible                                           expenses with coinsurance subject to the
                                                                                               deductible, and are included in the out-of-
                                                                                               pocket maximum

                                                                                                                                        More



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                                   The HDHP — How It Works
How to Use This Guide

Enrolling                            Preventive Care                            Annual In-Network Deductible*                            Your Optional HSA Account
                                     In-network preventive                      You must meet this before the plan pays benefits,        You can set up an HSA to cover
Paying for Your Benefits             care is covered at 100%,                   including prescription benefits:                         out-of-pocket expenses such as
Medical Coverage                     including the cost of                      • $1,500 if enrolled in teammate-only coverage           the deductible and coinsurance.
• Comparing Plan Features            routine colonoscopies                      • $3,000 if you enroll yourself and any dependents       You can contribute pre-tax up to:
• Aetna Health Maintenance           when performed in                            (total family deductible must be met before benefits   • $3,050 per individual
  Organization (HMO) Basic           accordance with the                          begin for any family member)
• Preferred Provider                 American Cancer                                                                                     • $6,150 per family (plus an
  Organizations (PPOs)               Society guidelines.                                                                                   additional $1,000 catch-up
                                                                                       After you meet your annual deductible
• The Out-of-Area Plan                                                                                                                     contribution if you are at least
• Prescription Drug Coverage for                                                                                                           age 55)
  the HMO Basic, PPO and Out-                                                   Coinsurance
  of-Area Options
                                                                                                                                         Any wellness reward dollars
                                                                                The plan shares the cost by paying coinsurance:          you receive count toward this
• High Deductible Health Plan
                                                                                Plan pays 90% in-network                                 maximum.
• The SunTrust Health Savings
  Account (HSA)                                                                 Plan pays 70% out-of-network
                                                                                                                                         Funds can be used to pay for
• Comparing How the Plans Pay                                                                                                            eligible health care expenses, or
  Benefits                                                                             You pay your share of coinsurance up to           can be saved for future medical
• Terms to Know
                                                                                                                                         expenses.
Dental Coverage                                                                 Annual In-Network Out-of-Pocket Maximum*                 Whatever you don’t use each year
Vision Coverage                                                                 You won’t pay more than this during the year for         rolls over from year to year and
                                                                                eligible expenses, including prescriptions:              continues to earn interest. It’s a
Flexible Spending
                                                                                • $5,500 if enrolled in teammate-only coverage           savings account for your future
Accounts (FSAs)
                                                                                • $11,000 if you enroll yourself and any dependents      medical care.
Income Protection Benefits                                                        (total family out-of-pocket maximum must be met        Once your balance reaches
Employee Assistance Program                                                       before the plan pays 100% of eligible expenses)        $3,000, you can invest your HSA
Legal Notices
                                                                                                                                         contributions into various mutual
                                                                                   If you meet the annual out-of-pocket maximum          funds.
Summary Plan Descriptions
                                                                                                                                         You take your HSA account with
                                     *Annual deductibles and out-of
                                                                               The Plan Pays 100%                                        you when you leave SunTrust.
                                     pocket maximums shown here
                                     apply only for in-network services.       If you reach your out-of-pocket maximum, the plan
                                     See the HDHP Coverage Overview
                                     for details on out-of-network
                                                                               pays 100% of any additional eligible medical expenses
                                     annual deductibles and out-of-
                                                                                                                                                                          More
                                     pocket maximums.

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                                   About the HDHP Deductible and Out-of-Pocket Maximum
How to Use This Guide
                                   If you enroll in teammate-only HDHP coverage, you must meet the $1,500 deductible ($3,000 out-
Enrolling                          of-network) before the plan begins to pay benefits other than in-network preventive care. If you
Paying for Your Benefits           meet the $5,500 annual out-of-pocket maximum ($11,000 out-of-network), the plan pays 100% of
                                   eligible expenses for the rest of the year.
Medical Coverage
• Comparing Plan Features          If you enroll yourself and any dependents, you must meet the $3,000 deductible amount ($6,000
• Aetna Health Maintenance         out-of-network) before the plan begins to pay benefits other than in-network preventive care
  Organization (HMO) Basic         for any enrolled family member. Likewise, you must meet the $11,000 annual out-of-pocket
• Preferred Provider               maximum ($22,000 out-of-network) before the plan begins paying 100% of eligible expenses. You
  Organizations (PPOs)             can meet the deductible through any combination of covered medical expenses for enrolled family
• The Out-of-Area Plan             members. Here are examples showing how this works for the in-network deductible.
• Prescription Drug Coverage for
  the HMO Basic, PPO and Out-      Meeting the In-Network HDHP Deductible if You Enroll Dependents
  of-Area Options
• High Deductible Health Plan
• The SunTrust Health Savings                 Example 1                              Example 2                       Example 3
                                     Jim enrolls himself and his           Amy enrolls herself, her        Stella enrolls herself and           In all three examples,
  Account (HSA)
                                     wife, Anna. They both have            husband, Ron, and her two       her two children, Emily and          the HDHP begins paying
• Comparing How the Plans Pay
  Benefits                           expenses for office visits,           children, Ben and Rebecca.      Lucy. Lucy gets sick early in        in-network benefits
• Terms to Know                      lab work, and prescriptions           All family members have         the year and is hospitalized         (90% for covered
                                     for minor illnesses. Anna             expenses for office visits,     for pneumonia. Because               services) for all family
Dental Coverage                                                                                                                                 members once the
                                     takes a monthly prescription          lab work, and prescriptions     her illness happens early in
Vision Coverage                      for osteoporosis.                     for minor illnesses. Ben        the year, Stella and Emily           $3,000 in-network
                                                                           takes ongoing medication for    don’t yet have any expenses          deductible is met. If
Flexible Spending                    Jim’s expenses: $1,200
                                                                           asthma.                         toward the deductible.               any family reaches a
Accounts (FSAs)
                                     Anna’s expenses: $1,800                                                                                    total of $11,000 in
Income Protection Benefits                                                 Amy’s expenses: $850            Stella’s expenses:$0                 in-network out-of-
                                     Total: $3,000
Employee Assistance Program                                                Ron’s expenses: $600            Emily’s expenses: $0                 pocket expenses during
                                                                                                                                                the year, the HDHP
Legal Notices                                                              Ben’s expenses: $1,050          Lucy’s expenses: $3,000
                                                                                                                                                begins paying 100% for
                                                                           Rebecca’s expenses: $500        Total: $3,000                        all family members.
Summary Plan Descriptions
                                                                           Total: $3,000
                                                                                                                                                            More




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                                   Prescription Drug Benefits for the HDHP
How to Use This Guide
                                   With the HDHP, your prescription drug benefits are provided through CIGNA. You take advantage of
Enrolling                          CIGNA’s discounted rates when you purchase prescription medications through the plan.
Paying for Your Benefits           Unlike your other medical options, eligible prescription drug expenses are subject to the
Medical Coverage                   same deductible, coinsurance, and out-of-pocket maximum as medical expenses. Refer to the
• Comparing Plan Features          Comparing How the Plans Pay Benefits for details on deductibles and coinsurance amounts.
• Aetna Health Maintenance
  Organization (HMO) Basic          With CIGNA, you have access to over 52,000 national and independent participating pharmacies.
• Preferred Provider                CIGNA also offers convenient mail-order service through CIGNA Tel-Drug — with online and
  Organizations (PPOs)              telephone access for home delivery of prescription drugs, making it even easier to order, transfer,
• The Out-of-Area Plan
                                    and refill your prescriptions.
• Prescription Drug Coverage for
  the HMO Basic, PPO and Out-
  of-Area Options
• High Deductible Health Plan
• The SunTrust Health Savings
  Account (HSA)
• Comparing How the Plans Pay
  Benefits
• Terms to Know

Dental Coverage

Vision Coverage

Flexible Spending
Accounts (FSAs)

Income Protection Benefits

Employee Assistance Program

Legal Notices

Summary Plan Descriptions




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                                   The SunTrust Health Savings Account (HSA)
How to Use This Guide
                                   When you enroll in the HDHP, you have the choice to establish an HSA as a way to save money,
Enrolling                          through pre-tax payroll deductions, to pay for qualified expenses — either now or for future
Paying for Your Benefits           expenses.
Medical Coverage                   SunTrust offers our own HSA product to HDHP participants — and for SunTrust teammates, the
• Comparing Plan Features          set up and monthly fees are waived. The SunTrust HSA works much like a 401(k) for health care
• Aetna Health Maintenance         expenses. You contribute pre-tax dollars and use those dollars to pay for out-of-pocket health
  Organization (HMO) Basic         care expenses tax-free, like your deductible and coinsurance. You decide how to use your HSA
• Preferred Provider               funds, and any funds you don’t use during the year are rolled over — building an account you
  Organizations (PPOs)             can use for future health care expenses. In fact, you can use the money in your HSA to pay for
• The Out-of-Area Plan             retiree medical premiums or any eligible out-of-pocket medical expenses in the future — even if
• Prescription Drug Coverage for   you are no longer covered by a SunTrust medical plan.
  the HMO Basic, PPO and Out-
  of-Area Options                  The SunTrust HSA offers:
• High Deductible Health Plan       • Convenient pre-tax payroll deductions
• The SunTrust Health Savings       • A healthcare payment card and online reimbursement options for easy account access
  Account (HSA)
• Comparing How the Plans Pay       • Competitive interest rates, plus a choice of mutual fund options once your account balance
  Benefits                            reaches $3,000
• Terms to Know                     • Online access to account balances, transaction history, and decision support tools
Dental Coverage                     • Customer service 24/7 through a toll-free number
Vision Coverage                     Contributing to the HSA
Flexible Spending                   When you enroll in the SunTrust HSA, your contributions are deducted from your paycheck on a
Accounts (FSAs)                     pre-tax basis. (HSA contributions, interest, and investment income are subject to state income            If you enroll in the HDHP,
                                    tax in Alabama, California, New Jersey, and Wisconsin. Teammates who pay state taxes in these             you must set up an HSA
Income Protection Benefits
                                    states should consult their tax advisors.) You may contribute any amount to the HSA, up to                to receive wellness
Employee Assistance Program         federal limits — $3,050 for individual coverage and $6,150 for family coverage in 2010. If you are        reward dollars.
Legal Notices                       at least age 55, you can also make additional “catch-up” HSA contributions — up to an additional
                                    $1,000 in 2010. Go to CIGNA’s HSA Cost Calculator to estimate your tax savings.
Summary Plan Descriptions
                                    Remember, you can use the money you contribute to your HSA to pay for qualified medical
                                    expenses, including your deductible and coinsurance. Consider contributing the amount you save
                                    in premiums to the HSA. That way, you’ll save taxes on out-of-pocket expenses you do have, and
                                    you can roll over any money remaining in your account for future medical expenses.
                                                                                                                           More


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                                   The SunTrust HSA (continued)
How to Use This Guide
                                   If you receive wellness reward dollars from SunTrust, those dollars that are added to your account
Enrolling                          count toward the HSA limit. For example, assume you have individual coverage and earn $100 in
Paying for Your Benefits           wellness reward dollars, you can contribute up to an additional $2,950 to an HSA.
Medical Coverage
• Comparing Plan Features            Here’s how it works:
• Aetna Health Maintenance            2010 maximum contribution for individual coverage: $3,050
  Organization (HMO) Basic
                                      SunTrust wellness reward dollars:                   - $100
• Preferred Provider
  Organizations (PPOs)                                                                       $2,950       Maximum you can
• The Out-of-Area Plan
                                                                                                          contribute to HSA in 2010
• Prescription Drug Coverage for
  the HMO Basic, PPO and Out-      You can change your HSA contribution amount at any time.
  of-Area Options
                                   You can set up an HSA at any time during the year. However, in order to contribute pre-tax through
• High Deductible Health Plan
                                   payroll deduction and be able to use your account for eligible expenses you have beginning                   No matter how you seek
• The SunTrust Health Savings
                                   January 2010, you must enroll for an HSA through BENE Online during Annual Enrollment.                       reimbursement through
  Account (HSA)                                                                                                                                 your HSA, the account
• Comparing How the Plans Pay      If you don’t open an HSA at the time of enrollment, you can log back into BENE Online at a later             will only reimburse you
  Benefits                         time to enroll in a SunTrust HSA and set up pre-tax payroll contributions. You also can choose to            up to the amount in the
• Terms to Know                    set up an HSA with a different financial institution later, contribute with after-tax funds, and claim       account at the time the
Dental Coverage                    a deduction on your 2010 taxes.                                                                              claim is submitted or the
                                                                                                                                                card is used. If you pay
Vision Coverage                    Using Your HSA Account Funds                                                                                 for medical expenses
Flexible Spending                  You can use the funds in your account to pay for all eligible health care services, such as doctor’s         out of your own pocket
Accounts (FSAs)                    office visits, hospital care, lab tests, X-rays, medical equipment and prescription drugs. Any               because you don’t have
                                   amounts you pay for qualified expenses count towards meeting your annual deductible and out-of-              enough money in your
Income Protection Benefits
                                   pocket maximum.                                                                                              account to cover them
Employee Assistance Program
                                                                                                                                                at the time, you can
                                   SunTrust Healthcare Payment Card
Legal Notices                                                                                                                                   request reimbursement
                                   When you enroll for an HSA, you automatically receive a SunTrust Healthcare Payment Card. The
                                                                                                                                                later when your account
Summary Plan Descriptions          card makes it easy to use funds in your HSA — and you don’t pay any fees when you use your card.
                                                                                                                                                balance allows, as long
                                   The card is linked to your HSA account and draws money — up to the balance in your account —                 as your account was
                                   directly from your account when you make purchases at approved locations. Examples of qualified              open at the time you
                                   health care merchants include doctor’s offices, pharmacies and hospitals. The card should only be            received services.
                                   used to pay eligible expenses and you should always save your receipts.
                                                                                                                             More

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                                   The SunTrust HSA (continued)
How to Use This Guide

Enrolling                          How the HSA Works with the Health Care FSA
                                   You can choose to contribute to both an HSA and a Health Care FSA. The expenses that can
Paying for Your Benefits                                                                                                                 It’s important to
                                   be reimbursed through the Health Care FSA are more limited when you contribute to the HSA
                                                                                                                                         carefully consider your
Medical Coverage                   because your HSA reimburses you for most eligible health care expenses.
                                                                                                                                         costs when deciding
• Comparing Plan Features          Here are the IRS regulations you need to be aware of:                                                 how much to contribute
• Aetna Health Maintenance
  Organization (HMO) Basic          • You cannot use funds from your Health Care FSA to reimburse yourself for medical expenses          to a Health Care FSA,
• Preferred Provider                  or qualified over-the-counter drug purchases until you meet your HDHP deductible. You may          because the FSA can only
  Organizations (PPOs)                only use the Health Care FSA to reimburse yourself for eligible dental and vision expenses         be used to cover dental
• The Out-of-Area Plan                during this time.                                                                                  and vision expenses until
• Prescription Drug Coverage for                                                                                                         the full HDHP deductible
                                    • Once you meet your HDHP deductible, you can use your Health Care FSA to reimburse
  the HMO Basic, PPO and Out-                                                                                                            has been satisfied. You
  of-Area Options                     yourself for eligible medical expenses, such as coinsurance, and over-the-counter drug
                                                                                                                                         forfeit any funds left
• High Deductible Health Plan         purchases as long as those expenses are not reimbursed by your HSA.
                                                                                                                                         in your account after
• The SunTrust Health Savings                                                                                                            the claim deadline. Any
  Account (HSA)
                                                                                                                                         contributions to an HSA
• Comparing How the Plans Pay
  Benefits
                                                                                                                                         are yours to use from
• Terms to Know                                                                                                                          year to year.

Dental Coverage

Vision Coverage

Flexible Spending
Accounts (FSAs)

Income Protection Benefits

Employee Assistance Program

Legal Notices

Summary Plan Descriptions




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                                   Comparing How the Plans Pay Benefits
How to Use This Guide

Enrolling                          To see how the plans pay for many covered services, click below:

Paying for Your Benefits           HMO Basic
                                   PPO
Medical Coverage
• Comparing Plan Features          HDHP
• Aetna Health Maintenance
                                   Compare the three plans
  Organization (HMO) Basic
• Preferred Provider               See Prescription Drug Coverage for the HMO Basic, PPO, and Out-of-Area Options and Prescription
  Organizations (PPOs)
                                   Drug Benefits for the HDHP for more information on prescription drug coverage.
• The Out-of-Area Plan
• Prescription Drug Coverage for   If you are eligible to enroll in the Out-of-Area Plan, it will be listed as one of your options or may
  the HMO Basic, PPO and Out-      be your only medical option on BENE Online.
  of-Area Options
• High Deductible Health Plan
• The SunTrust Health Savings        Details for all medical plans are available in the SunTrust Benefits Summary Plan
  Account (HSA)                      Descriptions, which are available in the BENE Online Reading Room.
• Comparing How the Plans Pay
  Benefits
• Terms to Know

Dental Coverage

Vision Coverage

Flexible Spending
Accounts (FSAs)

Income Protection Benefits

Employee Assistance Program

Legal Notices

Summary Plan Descriptions




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                                   Terms to Know
How to Use This Guide
                                   Annual deductible is the amount you must pay out of your own pocket for medical care before
Enrolling                          the plan begins to pay benefits. The deductible does not apply to services for which you pay a set
Paying for Your Benefits           copayment, such as office visits in the HMO Basic option.
Medical Coverage                   Annual out-of-pocket maximum is the most you will have to pay out of your own pocket each
• Comparing Plan Features          year, including the deductible. If you reach the out-of-pocket maximum during the year, the plan
• Aetna Health Maintenance         pays 100% of your eligible expenses for the rest of the year. This does not include copayments for
  Organization (HMO) Basic
                                   the HMO Basic option or costs for prescription drugs unless you are in the HDHP.
• Preferred Provider
  Organizations (PPOs)             Coinsurance is the percentage of eligible charges the plan pays for your care once you have met
• The Out-of-Area Plan
                                   the annual deductible.
• Prescription Drug Coverage for
  the HMO Basic, PPO and Out-      Copayment is a set dollar amount you pay for services you receive and applies in the HMO Basic
  of-Area Options
                                   medical option and the Dental HMO option.
• High Deductible Health Plan
• The SunTrust Health Savings      Health Savings Account (HSA) — If you enroll in the HDHP, you can set up an HSA. You contribute
  Account (HSA)
                                   pre-tax dollars to the account and use those dollars to pay for eligible out-of-pocket health care
• Comparing How the Plans Pay
  Benefits
                                   expenses tax-free. Any interest or investment earnings you receive in the account are also tax-
• Terms to Know
                                   free if used for eligible health care expenses.

Dental Coverage                    Reasonable and Customary (R&C) allowances refer to the prevailing rates for medical services
                                   and supplies in your area. When you enroll in the PPO, HDHP, or Out-of-Area Plan, and use out-
Vision Coverage
                                   of-network providers, you are responsible for any additional charges over the R&C amounts as
Flexible Spending                  determined by your plan administrator. Out-of-network services are not covered by the HMO Basic
Accounts (FSAs)                    except in medical emergencies.
Income Protection Benefits
                                   Health Care Flexible Spending Account (FSA), administered by Aetna, lets you save on taxes by
Employee Assistance Program        setting aside pre-tax dollars to pay for eligible health care expenses.
Legal Notices                      Dependent Care (Day Care) Flexible Spending Account (FSA), administered by Aetna, lets you
Summary Plan Descriptions          save on taxes by setting aside pre-tax dollars to pay for eligible dependent care expenses.




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                                Dental Coverage
How to Use This Guide
                                Depending on your home zip code, you have a choice of either two or three dental plans for 2010:
Enrolling
                                 • The CIGNA Basic option
Paying for Your Benefits                                                                                                                   There are no plan design
                                 • The CIGNA Plus option                                                                                   changes and premiums
Medical Coverage
                                 • The CIGNA Dental HMO (if you live in a CIGNA Dental HMO network area)                                   for dental coverage are
Dental Coverage                                                                                                                            not increasing for 2010.
• Dental Benefits At-a-Glance   Using In-Network Providers
Vision Coverage                 You may use any dentist you choose under the Basic and Plus options. However, you may pay
                                less if you visit a dentist who participates in CIGNA’s Radius dental network. Claims from non-
Flexible Spending               participating providers are subject to the Reasonable and Customary (R&C) allowances. If you visit
Accounts (FSAs)                 a dentist who doesn’t participate in the network, you will be required to pay any amount over
Income Protection Benefits      R&C.
Employee Assistance Program     The CIGNA Dental HMO is available only if you live in a CIGNA Dental HMO network area. When you
                                enroll in the Dental HMO, you select an in-network general dentist who provides routine, basic
Legal Notices
                                care and refers you to specialty dentists when necessary. The plan pays benefits only when your
Summary Plan Descriptions       in-network general dentist provides or coordinates your care. If you seek care on your own, you
                                pay the entire cost. Payment for services is based on a predetermined patient charge schedule,
                                available on BENE Online. Procedures not listed on the patient charge schedule are not covered. If
                                your dentist leaves the network during the year, you must select a new in-network general dentist
                                to have care covered by the plan.

                                  CIGNA Dental’s Radius Network
                                  The CIGNA Basic and Plus dental plans feature an expanded dental network — the Radius dental
                                  network — that gives you access to more dentists and specialists in your area. Plus, you’ll save
                                  money through negotiated rates!
                                  Go to BENE Online under the Health & Welfare tab, choose Planning Tools from the left and click
                                  “Find a Provider” to search for a dentist near you. You can also call 800.769.2116 to use the
                                  Dental Office Locator or speak to a customer service representative.


                                                                                                                           More




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                                Dental Benefits At-a-Glance
How to Use This Guide
                                Here is an overview of all three dental plan options. For the CIGNA Basic and Plus options, pre-
Enrolling                       treatment estimates are recommended for procedures expected to exceed $200 to ensure that
Paying for Your Benefits        services are covered.
Medical Coverage
                                                                         CIGNA Basic*                    CIGNA Plus*                              CIGNA Dental HMO
Dental Coverage                  Annual deductible                       $50 per person                  $50 per person                           None
• Dental Benefits At-a-Glance
                                                                         $150 per family                 $150 per family
Vision Coverage                  Annual maximum benefit                  $500 per person                 $1,500 per person                        Unlimited
Flexible Spending                What the Plan Pays
Accounts (FSAs)
                                 Preventive care                         100%                            100%                                     Costs based on patient
Income Protection Benefits       (cleanings, diagnostic                                                                                           charge schedule**
                                 X-rays)
Employee Assistance Program
                                 Basic care (fillings,                   80% after deductible            80% after deductible                     Costs based on patient
Legal Notices
                                 periodontal care, root                                                                                           charge schedule**
Summary Plan Descriptions        canals)
                                 Major care                              Not covered                     50% after deductible                     Costs based on patient
                                 (crowns, bridges)                                                                                                charge schedule**
                                 Orthodontia                             Not covered                     50%, no deductible                       Costs based on patient
                                                                                                         $1,500 lifetime maximum                  charge schedule**
                                * All claims are subject to R&C allowances unless you visit a dentist who participates in CIGNA’s Radius network. Using a preferred provider
                                could result in lower out-of-pocket expenses.
                                ** The schedule is available at BENE Online.




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                              Vision Coverage
How to Use This Guide
                              The vision care benefit, offered through UnitedHealthcare Vision, helps you and your family save
Enrolling                     money on exams, eyeglasses, contacts, and laser eye surgery. UnitedHealthcare Vision has a
Paying for Your Benefits      national network of participating independent doctors and retail chain providers. Whenever you                                                   There are no plan design
                              need vision care, you can use any doctor you want. However, you receive a higher level of benefits                                               changes and premiums
Medical Coverage
                              when you choose a UnitedHealthcare Vision in-network provider.                                                                                   for vision coverage are
Dental Coverage                                                                                                                                                                not increasing for 2010.
                              The following is a summary of what the plan pays. See Paying for Your Benefits for your cost for
Vision Coverage               vision coverage.
Flexible Spending
Accounts (FSAs)                Service                     In-Network                             Out-of-Network                         How Often Covered
                               Routine eye exam            100% after $10 copay                   Up to $40 allowance                    Once every calendar
Income Protection Benefits
                                                                                                                                         year
Employee Assistance Program
                               Lenses                      100% after $25 copay                   Allowance:                             Once every calendar
Legal Notices                                                                                     • Single vision: Up to $40             year
                                                                                                  • Bifocal: Up to $60
Summary Plan Descriptions
                                                                                                  • Trifocal: Up to $80
                                                                                                  • Lenticular: Up to $80
                               Frames*                     Allowance:                             Up to $45 allowance                    Once every two
                                                           • Up to $50 wholesale                                                         calendar years
                                                             from private practice
                                                           • Up to $130 from retail
                                                             chain
                               Contact lenses**            100% after $25 copay                   Allowance:                             Once every calendar
                                                                                                  • Elective: Up to $105                 year
                                                                                                  • Medically necessary:
                                                                                                    Up to $210
                              * When you use UnitedHealthcare Vision network providers, UnitedHealthcare Vision covers a wide selection of frames, but not all frames are
                              covered in full.
                              ** Contact lenses are covered in lieu of eyeglass lenses and frames. Up to four boxes of disposable contact lenses may be covered, depending
                              on the prescription.

                              Laser eye surgery is also available at discounted rates from any Laser Vision Network of America (LVNA)
                              provider location nationwide.



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                              Flexible Spending Accounts (FSAs)
How to Use This Guide
                              The Health Care and Dependent Care (Day Care) Flexible Spending Accounts (FSAs), administered
Enrolling                     by Aetna, let you save on taxes while paying for eligible health care and dependent care expenses.
Paying for Your Benefits

Medical Coverage
                              How the FSAs Work
                              When you enroll in either FSA, you decide how much to contribute to each account by estimating
Dental Coverage               your eligible expenses for the upcoming year. Your contributions are taken from your pay before
Vision Coverage
                              federal income and Social Security taxes are deducted from your paycheck. In many cases, you
                              also avoid state and local income taxes.
Flexible Spending
Accounts (FSAs)               Pre-tax deductions lower your taxable income and reduce the amount you pay in taxes each year.
• The Health Care FSA         When you have an eligible expense, you can use your tax-free dollars from your account to cover
• The Dependent Care          the expense.
  (Day Care) FSA
                                                Health Care FSA                          Dependent Care (Day Care) FSA
Income Protection Benefits
                               Eligible         Expenses that are not paid for by        Expenses for the care of eligible              Keep in mind that these are
Employee Assistance Program    Expenses:        other medical, prescription, dental,     dependents — those who you claim               two separate accounts. You
Legal Notices
                                                or vision plans and are considered tax   as dependents on your federal tax              cannot transfer funds from
                                                deductible by the IRS. Includes:         return — only. Includes:                       one account to the other.
Summary Plan Descriptions                       • Copayments, coinsurance, and           • Children under age 13
                                                  deductibles you pay out-of-pocket      • Dependents who are mentally or
                                                  for the medical, prescription drug,      physically disabled, normally spend
                                                  dental and vision plans                  at least eight hours in your home
                                                • Eye examinations, contact lenses,        each day, and need supervised care
                                                  eye glasses, and frames                  while you work
                                                • Over-the-counter medications
                               Contributions:   Up to $5,000                             Up to $5,000 (or $2,500 if you are
                                                                                         married and file separate tax returns)
                               Deadline         March 15, 2011 (if you are               December 31, 2010
                               to incur         contributing as of December 31,
                               expenses:        2010)
                               Deadline to
                               submit                                  May 31, 2011 for either account
                               claims:                                                                                                 More


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                              FSAs     (continued)
How to Use This Guide
                              Filing FSA Claims
Enrolling
                              You may request reimbursement for eligible expenses by filing a claim. You can download claim
Paying for Your Benefits      forms from Aetna NavigatorTM or BENE Online. You can also enroll for FSA Direct Deposit so that
                              reimbursement payments are made directly to your savings or checking account.
Medical Coverage
                              If you enroll in an Aetna medical plan or have Express Scripts prescription drug coverage, you can
Dental Coverage
                              also choose streamlining, which means that any eligible expenses not paid by your medical plan
Vision Coverage               are sent automatically to your FSA for reimbursement. If you are not currently enrolled in direct
                              deposit or streamlining and wish to enroll for 2010, visit www.aetnanavigator.com.
Flexible Spending
Accounts (FSAs)               The minimum reimbursement amount you can receive from either FSA is $15. With the Dependent
• The Health Care FSA         Care (Day Care) FSA, you may request reimbursement only up to the amount you actually have
• The Dependent Care          in your account at the time you file your claim. With the Health Care FSA, you may request
  (Day Care) FSA              reimbursement for amounts up to your total Health Care FSA election for the year even if you do
Income Protection Benefits    not yet have that much in your account at the time you file the claim.
Employee Assistance Program   Tracking Your Account Activity
Legal Notices
                              When you participate in an FSA, you receive semi-annual activity statements from Aetna that
                              show your account balance and payments made. You can also use Aetna NavigatorTM to keep                Put Your Money Where You
Summary Plan Descriptions     track of claims and account balances.                                                                  Need It!
                                                                                                                                     It’s important to understand
                              Plan Carefully — IRS Rules Apply
                                                                                                                                     what expenses are eligible
                              Keep these facts in mind as you decide how much to contribute to either or both FSAs:
                                                                                                                                     under each FSA so that
                               • You must use all of the money in your FSA for expenses you have while you are contributing          you can make sure you’re
                                 to your FSA. You forfeit any money left in your account at the deadline (once you have              contributing the right
                                 submitted all your claims for the year). You have until May 31, 2011 to submit eligible 2010        amounts to the right FSAs.
                                 expenses.                                                                                           For instance, if you want
                               • You cannot change your FSA contribution amounts during the year unless you have a                   to use an FSA to reimburse
                                 qualified life event.                                                                               yourself for dependent health
                                                                                                                                     care expenses, you’d need
                               • You may not transfer money between FSAs. Money in your Health Care FSA cannot be used to            to know that those expenses
                                 reimburse dependent care expenses, and vice versa.                                                  can be reimbursed only
                              For the Health Care FSA, you must be contributing to the account at the time you receive               through the Health Care FSA
                              services for related charges to be eligible for reimbursement.                                         — not the Dependent Care
                                                                                                                                     (Day Care) FSA.
                                                                                                                       More


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                              The Health Care FSA
How to Use This Guide
                              You can contribute up to $5,000 per year to your Health Care FSA to pay for eligible out-of-pocket
Enrolling                     medical, prescription, dental, and vision care expenses for you and your eligible dependents.
Paying for Your Benefits      Eligible dependents are your legal spouse and anyone you can claim as a legal dependent on your
                              federal tax return.
Medical Coverage

Dental Coverage                 The Health Care FSA and the HSA
Vision Coverage                 If you enroll in the Health Care FSA and also enroll in the HDHP and contribute to a Health
                                Savings Account (HSA), the FSA can only be used for vision and/or dental expenses until the
Flexible Spending
Accounts (FSAs)                 HDHP deductible has been met. Once the deductible is met, the FSA can be used for all
• The Health Care FSA           eligible expenses.
• The Dependent Care
  (Day Care) FSA                The Health Care FSA can be used to pay for:      The Health Care FSA CANNOT be used to pay                You must use the money
Income Protection Benefits                                                       for:                                                     in your Health Care FSA
Employee Assistance Program     • Acupuncture                                    • Elective cosmetic surgery                              before using any wellness
                                • Chiropractic services                          • OTC products including cosmetics,                      reward dollars you earn.
Legal Notices                   • Crutches and wheel chairs                        vitamins, teeth whiteners, toiletries,                 Your FSA money cannot
Summary Plan Descriptions       • Dentures                                         toothpaste, bottled water, etc.                        be rolled over from year
                                • Eye examinations, contact lenses and           • Exercise equipment                                     to year if you don’t
                                  solution, eyeglasses and frames                • Expenses claimed as a deduction or credit              use it, while wellness
                                • Hearing aids                                     for federal or state income tax purposes               rewards can be rolled
                                • Lamaze classes                                 • Funeral or burial expenses                             over.
                                • Laser eye surgery                              • Health club dues
                                • Mental health and substance abuse              • Premiums for medical, dental, or vision
                                  treatment                                        plans
                                • Orthodontia
                                • Copayments, coinsurance, and deductibles          For a more detailed list of eligible and non-
                                  you pay out of your pocket for the                eligible click here.
                                  medical, prescription drug, dental,and
                                  vision plans                                      Use Aetna’s FSA Calculator to help determine
                                • Over-the-counter (OTC) products for               an annual contribution amount based on your
                                  medical care including antacids, pain             anticipated health care needs and see how using
                                  relievers, cough medications, laxatives,          an FSA can help save you money in taxes.
                                  first-aid products, and allergy medications

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                              The Dependent Care (Day Care) FSA
How to Use This Guide
                              You may contribute up to $5,000 (or up to $2,500 if you are married and you and your spouse file
Enrolling                     separate tax returns) to the Dependent Care (Day Care) FSA to reimburse yourself for dependent
Paying for Your Benefits      care expenses you have so that you — or, if you are married, you and your spouse — can work. You
                              may also use the account if your spouse is disabled or a full-time student for at least five months
Medical Coverage
                              of the year.
Dental Coverage
                              The Dependent Care (Day Care) FSA can only be used to reimburse expenses for the care of
Vision Coverage               eligible dependents. Eligible dependents include your children under age 13 whom you claim as
                              dependents on your federal tax return and any other dependents you claim on your federal tax
Flexible Spending
Accounts (FSAs)
                              return who are mentally or physically disabled, normally spend at least eight hours in your home
• The Health Care FSA         each day, and need supervised care.
• The Dependent Care          Any expenses paid through the Dependent Care (Day Care) FSA reduce the amount you are eligible
  (Day Care) FSA              to receive under the federal childcare tax credit. If you are considering enrolling in the Dependent
Income Protection Benefits    Care (Day Care) FSA for 2010, take the time to compare the tax benefits of the FSA and the federal
                              childcare tax credit to determine which works best for you.
Employee Assistance Program

Legal Notices                   The Dependent Care (Day Care)                    The Dependent Care (Day Care)
Summary Plan Descriptions       FSA can be used to pay for:                      FSA CANNOT be used to pay for:
                                • Services provided by babysitters or            • Health care expenses for a dependent child
                                  caregivers, including your relatives whom        or adult
                                  you do not claim as exemptions on your         • Child support payments
                                  federal tax return                             • Food, clothing, and entertainment
                                • Expenses for a housekeeper whose services      • Overnight camps
                                  include care of an eligible dependent          • Extracurricular activities
                                • Services provided by a licensed elder          • Private school
                                  care center, childcare center, or nursery
                                                                                                      For a more detailed list of eligible and non-
                                  school
                                                                                                      eligible expenses, click here.
                                • Social Security and other taxes you pay
                                  a caregiver                                                         Use Aetna’s FSA Calculator to help determine
                                                                                                      an annual contribution amount based on your
                                                                                                      anticipated dependent care (day care) needs and
                                                                                                      see how using an FSA can help save you money in
                                                                                                      taxes.


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                              Income Protection Benefits
How to Use This Guide
                              SunTrust offers you several ways to help provide financial security for you and your loved ones in
Enrolling                     the case of unforeseen events.
Paying for Your Benefits      SunTrust provides short-term disability (STD) which pays benefits of 100% or 60% of pay for eligible
Medical Coverage              teammates, for up to 180 days. In addition, for full-time teammates who have completed at least
                              six months of service (effective January 1, 2010), SunTrust provides basic long-term disability
Dental Coverage
                              (LTD) coverage which pays benefits after STD coverage ends. Basic LTD provides a benefit of 50% of
Vision Coverage               base pay or benefits base at no cost to you.
Flexible Spending             During Annual Enrollment, full-time teammates who will have completed at least six months of
Accounts (FSAs)               service (effective January 1, 2010) can increase LTD benefits by choosing supplemental long-term
                              disability (LTD) coverage of 60% or 70% of base pay or benefits base when combined with basic
Income Protection Benefits
                              LTD. You pay for supplemental LTD with after-tax dollars. Learn more about LTD coverage.
• Long-Term Disability
                              In addition to disability coverage, SunTrust offers:
Employee Assistance Program
                               • Basic Life and Accidental Death & Dismemberment (AD&D) Insurance at no cost to you
Legal Notices
                               • Business Travel Accident Insurance at no cost to you
Summary Plan Descriptions
                               • Group Universal Life (GUL) and Voluntary AD&D Insurance (you pay the cost at group rates and
                                 can apply at any time; may be subject to underwriting)
                               • Long-Term Care Insurance (you pay the cost at group rates and can apply at any time)
                              For more information on all your income protection benefits, refer to the SunTrust Benefits
                              Summary Plan Descriptions in the BENE Online Reading Room or call the plan member services
                              number.




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                              Long-Term Disability (LTD)
How to Use This Guide
                              Long-Term Disability (LTD) coverage is available to all full-time teammates once they have
Enrolling                     completed six months of employment with SunTrust.
Paying for Your Benefits

Medical Coverage                To enroll for Supplemental LTD during Annual Enrollment, you must have started work with
                                SunTrust on or before 7/1/2009 to meet the six-month eligibility requirement, and you
Dental Coverage                 must be full-time for coverage effective 1/1/2010.
Vision Coverage

Flexible Spending
                              SunTrust offers three levels of LTD coverage — basic coverage provided by the Company and two
Accounts (FSAs)               supplemental coverage options you can choose to purchase. Here is an overview of coverage.

Income Protection Benefits                           Basic LTD                          Supplemental LTD                               For 2010, the LTD waiting
• Long-Term Disability         Benefit               • Provided by SunTrust at no cost • Optional coverage you can choose              period changes to six
Employee Assistance Program                            to you                            to purchase to increase your LTD              months. This means full-
                                                     • Pays a benefit of 50% of base     benefit                                       time teammates are
Legal Notices
                                                       pay or benefits base            • Choose:                                       eligible for STD and LTD at
Summary Plan Descriptions                                                                — 60% of base pay or benefits base            the same time.
                                                                                         — 70% of base pay or benefits base
                                                                                           ...when combined with basic
                                                                                           LTD
                                                     The maximum monthly amount benefit for basic and supplemental LTD:
                                                     Annual salary (up to $245,000 in 2009) times percentage elected (50%,
                                                     60% or 70%) divided by 12
                               When Benefits Begin   After 180 days of disability (generally when Short-Term Disability
                                                     benefits end) — if approved
                               How Long Benefits     Generally, until you are no longer disabled or age 65, whichever is
                               Continue              earlier

                                                                                                                          More




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How to Use This Guide
                               Long-Term Disability (LTD)                   (continued)

Enrolling                      Your Cost for Supplemental Coverage
                               Your 2010 cost for coverage is based on your pay as of August 31, 2009, and the level of
Paying for Your Benefits
                               supplemental coverage you choose — 60% or 70%. You can go to BENE Online to see your per pay
Medical Coverage               period premium.
Dental Coverage                Your premium will not change during the calendar year, even if your base pay or benefits base
                               changes. Premium deductions will stop only if your status changes to make you ineligible for LTD           Supplemental coverage
Vision Coverage
                               coverage. If you become disabled, your LTD benefit will be based on the greater of your pay right          cannot be added, changed
                               before disability begins or pay used to determine your premium.                                            or stopped during the
Flexible Spending
Accounts (FSAs)                                                                                                                           year, even if you have a
                               If you enroll in supplemental LTD coverage, you pay your share of the cost with after-tax dollars.         qualified life event.
Income Protection Benefits
• Long-Term Disability         Pre-Existing Conditions and LTD Coverage
                               You are not required to provide evidence of good health to enroll in LTD coverage and there is no
Employee Assistance Program
                               pre-existing condition limitation for basic LTD. However, for supplemental LTD, there is a
Legal Notices                  pre-existing condition limitation. LTD benefits aren’t payable for a disability caused by a
                               pre-existing condition until you have been covered 12 months or you’ve been without treatment
Summary Plan Descriptions
                               for the pre-existing condition for three months.
                               If you are on leave, you must participate in Annual Enrollment if you want to purchase
                               supplemental coverage. However, if you are on leave January 1, 2010, your election will not go
                               into effect until you return from leave.
                               See the LTD Summary Plan Description at BENE Online for more information. Choose the Reading
                               Room tab and click SunTrust Summary Plan Descriptions.




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                              Employee Assistance Program (EAP)
How to Use This Guide
                              The Employee Assistance Program (EAP) is provided free of charge to all SunTrust teammates.
Enrolling                                                                                                                        Go to
                              The EAP offers free, confidential, short-term counseling, as well as resource information on a
                                                                                                                                 www.guidanceresources.
Paying for Your Benefits      variety of life issues such as elder care, child care, and general living support.
                                                                                                                                 com (ID “SunTrustCares”)
Medical Coverage              ComPsych® GuidanceResources® provides professional and personal assistance for you and             or call 877.369.1785.
                              your family members for any type of problem. Counseling is given by experienced, licensed
Dental Coverage
                              counselors and is available 24 hours a day, seven days a week. You can receive five visits per
Vision Coverage               issue in any 12-month period at no cost to you. If you need additional care, services may be
                              covered by your medical plan. It’s important to check your medical plan coverage, including
Flexible Spending
Accounts (FSAs)
                              provider networks, before you continue care.
                              You can also use ComPsych® to find appropriate child care as well as resources to meet the
Income Protection Benefits
                              needs of aging parents. This resource and referral service helps you explore options, find
Employee Assistance Program   background information, and identify resources for choosing day care and/or finding elder care
Legal Notices                 providers.
                              The EAP also offers a resource for getting expert information on a variety of life tasks.
Summary Plan Descriptions
                              Provided through FamilySource®, this service can save you time and help minimize the
                              headaches related to:
                               • Buying homes, cars, or computers
                               • Planning a vacation or obtaining a passport
                               • Relocating to a new city
                               • Having repairs or construction done on your home
                               • Entertaining family and friends




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                              Making Benefit Changes During the Year
How to Use This Guide
                              In general, the benefits you choose during Annual Enrollment will stay in effect through
Enrolling                     December 31. Because you pay for coverage with pre-tax dollars, you are not allowed to make
Paying for Your Benefits      changes to your medical, dental, or vision coverage, or your FSA selections during the year
                              unless you have a qualified life event, such as:
Medical Coverage
                               • An addition to your family — through marriage, birth, or adoption
Dental Coverage
                               • A change in dependent status — through divorce, death, or loss of eligibility for benefits
Vision Coverage
                               • A change in your spouse’s benefits — because of a new job, job loss, significant change in
Flexible Spending                cost or coverage, or discontinuation of benefits
Accounts (FSAs)
                              If you have a qualified life event, you can make benefit changes provided that the change is       Effective April 1, 2009,
Income Protection Benefits    consistent with the event. For example, if you get married, you can add your spouse to your        teammates and dependents
Employee Assistance Program   health coverage. You can also make a change if you have a HIPAA Special Enrollment event,          who are eligible for but not
                              such as gaining a new dependent as the result of marriage, birth, adoption or placement for        enrolled in the SunTrust
Legal Notices
                              adoption, or you decline SunTrust coverage because of other group coverage and you lose            plan may enroll if they lose
Summary Plan Descriptions     eligibility for that coverage. Any changes to your benefits choices must be made within 31         Medicaid or CHIP coverage
                              days of the date of the event.                                                                     because they are no longer
                              You can change or stop your pre-tax HSA contributions at any time, for any reason.                 eligible, or they become
                              Your supplemental LTD election cannot be changed during the year. The only exception is if you     eligible for a state’s premium
                              change to a status other than full-time.                                                           assistance program. You
                                                                                                                                 have 60 days from the date
                              To notify SunTrust of any qualifying events and to make changes during the year, contact BENE      of the Medicaid/CHIP event
                              at 800.818.2363, select option 2, and speak with a Benefits Representative between 8:30 a.m.       to request enrollment under
                              and 5:30 p.m. (ET) Monday through Friday.                                                          the plan. If you request this
                              A complete list of qualified life events is located in the “Benefits Summary” section of the       change, coverage will be
                              SunTrust Benefits Summary Plan Descriptions in the BENE Online Reading Room.                       effective the first of the
                                                                                                                                 month following your request
                                                                                                                                 for enrollment. Specific
                                                                                                                                 restrictions may apply,
                                                                                                                                 depending on federal and
                                                                                                                                 state law.




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How to Use This Guide               Notice About Prescription Drugs and Medicare
Enrolling
                                    SunTrust Banks, Inc. Retiree Health Plan and SunTrust Banks, Inc. Employee Benefit Plan - All Medical
Paying for Your Benefits            Options Revised September 2009 for 2010 Plan Year
Medical Coverage
                                    Your Prescription Drug Coverage and Medicare
Dental Coverage                     Important Notice from SunTrust Banks, Inc.
Vision Coverage                     If you or one of your covered dependents is eligible for Medicare benefits, please read this notice
Flexible Spending                   carefully and keep it where you can find it. At the end of this notice is information about where you
Accounts (FSAs)
                                    can get help to make decisions about your prescription drug coverage.
Income Protection Benefits
                                    1. Medicare prescription drug coverage became available in 2006 to everyone with Medicare through
Employee Assistance Program            Medicare prescription drug plans and Medicare Advantage Plans that offer prescription drug
Legal Notices                          coverage. All Medicare prescription drug plans provide at least a standard level of coverage set by
• Notice About Prescription Drugs      Medicare. Some plans may also offer more coverage for a higher monthly premium.
  and Medicare
• Privacy Notice                    2. SunTrust has determined that the prescription drug coverage included as part of medical
Summary Plan Descriptions              coverage under either the Retiree Health Plan or the Employee Benefit Plan is, on average
                                       for each plan’s participants, expected to pay out at least as much as the standard Medicare
                                       prescription drug coverage will pay. Therefore, the SunTrust prescription drug benefits under
                                       all medical options are considered Creditable Coverage.
                                    Because the prescription drug coverage through all SunTrust medical plans in 2009 and in 2010
                                    is on average at least as good as standard Medicare prescription drug coverage, you can keep this
                                    coverage and not pay extra if you later decide to enroll in Medicare prescription drug coverage.
                                    Individuals can enroll in a Medicare prescription drug plan when they first become eligible for
                                    Medicare and each year from November 15 through December 31. Beneficiaries leaving employer/
                                    union coverage may be eligible for a Special Enrollment Period to sign up for a Medicare prescription
                                    drug plan.




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How to Use This Guide               Notice About Prescription Drugs and Medicare                      (continued)
Enrolling
                                    You should compare your current coverage, including which drugs are covered, with the coverage
Paying for Your Benefits            and cost of the plans offering Medicare prescription drug coverage in your area.
Medical Coverage
                                    A description of SunTrust’s prescription drug coverage is included in the SunTrust Retiree
Dental Coverage                     Summary Plan Descriptions and the SunTrust Benefits Summary Plan Descriptions. It is also
Vision Coverage                     described in this SunTrust Annual Enrollment Guide and the New Hire Orientation Guide. The
Flexible Spending                   SunTrust Benefits Service Center (BENE) can tell you how to get a copy.
Accounts (FSAs)
                                    SunTrust’s coverage pays for other health expenses, in addition to prescription drugs. Unless
Income Protection Benefits          you are in active SunTrust employment, if you choose to enroll in a Medicare prescription drug
Employee Assistance Program         plan, prescription drug benefits generally will not be paid under the SunTrust coverage, but
Legal Notices                       other covered health expenses will be paid according to the plan document. Even if the SunTrust
• Notice About Prescription Drugs   coverage does not pay for prescription drug benefits because you have Medicare prescription
  and Medicare                      coverage, your SunTrust premium will not be reduced.
• Privacy Notice
                                    You should also know that, once Medicare-eligible, if you drop or lose your SunTrust medical
Summary Plan Descriptions
                                    coverage (because of failure to pay premiums) and don’t enroll in Medicare prescription drug
                                    coverage soon after your SunTrust coverage ends, you may pay more (a penalty) to enroll in
                                    Medicare prescription drug coverage later.
                                    Specifically, if you go 63 days or longer without prescription drug coverage that’s at least as good
                                    as Medicare’s prescription drug coverage, your Medicare Part D monthly premium will go up at
                                    least 1% per month for every month that you were eligible but did not have that coverage. For
                                    example, if you go 19 months without coverage, your premium will always be at least 19% higher
                                    than what most other people pay. You’ll have to pay this higher premium as long as you have
                                    Medicare prescription drug coverage. In addition, you may have to wait until the next November
                                    to enroll.




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How to Use This Guide               Notice About Prescription Drugs and Medicare                    (continued)
Enrolling
                                    More detailed information about Medicare plans that offer prescription drug coverage is in the
Paying for Your Benefits            Medicare & You handbook. A new version of this handbook is mailed every year to Medicare
Medical Coverage                    beneficiaries directly from Medicare. You may also be contacted directly by Medicare prescription
Dental Coverage                     drug plans. For more information about Medicare prescription drug plans:
Vision Coverage                      • Visit www.medicare.gov
Flexible Spending                    • Call your State Health Insurance Assistance Program (see your copy of the Medicare & You
Accounts (FSAs)
                                       handbook for their telephone number) for personalized help
Income Protection Benefits
                                     • Call 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048.
Employee Assistance Program
                                    For people with limited income and resources, extra help paying for Medicare prescription drug
Legal Notices
                                    coverage is available. Information about this extra help is available from the Social Security
• Notice About Prescription Drugs
  and Medicare                      Administration (SSA) online at www.socialsecurity.gov, or you may call them at 1-800-772-1213
• Privacy Notice                    (TTY 1-800-325-0778).
Summary Plan Descriptions           Remember: Keep this notice if you are eligible for Medicare or will become eligible within
                                    the next 12 months. If you enroll in one of the plans approved by Medicare which offer
                                    prescription drug coverage, you may be required to provide a copy of this notice when you
                                    join to show that you are not required to pay a higher premium amount.
                                    For more information about this notice or your current prescription drug coverage…
                                    Contact BENE Online (https://www.benefitsweb.com/suntrust.html) or at 800.818.2363.
                                    NOTE: You may receive this notice at other times in the future such as before the next period
                                    you can enroll in Medicare prescription drug coverage, and if this coverage changes. You also may
                                    request a copy of this notice at any time.




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          for 2010                  Benefit Choices      Resources         During the Year       Information


Home Page

How to Use This Guide                Privacy Notice
Enrolling
                                     SunTrust protects the privacy of your protected health information. SunTrust Human Resources
Paying for Your Benefits             complies with all HIPAA privacy rules.
Medical Coverage
                                     The SunTrust and ComPsych (EAP) Privacy Policies are available at BENE Online. Take a moment to
Dental Coverage                      read how these privacy rules restrict how and when protected health information can be used and
Vision Coverage                      disclosed. These policies are posted in the Reading Room of BENE Online under the “Regulatory
Flexible Spending                    Notices” subheading. You can also call BENE and request that a copy be sent to you.
Accounts (FSAs)

Income Protection Benefits

Employee Assistance Program

Legal Notices
• Notice About Prescription Drugs
  and Medicare
• Privacy Notice

Summary Plan Descriptions




                                                                                                                    Previous page   Next page   51
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Home Page
                              Contact Information
How to Use This Guide
                              This enrollment guide provides highlights of your 2010 SunTrust Benefit Plans. If you have questions that are not
Enrolling                     answered in this guide, use these online resources and telephone numbers to get answers.
Paying for Your Benefits       For questions about…                Go online to…                                      Or call…
Medical Coverage               Enrolling for benefits — BENE       BENE Online                                        800.818.2363
                                                                                                                      TDD: 800.811.8565
Dental Coverage
                               Aetna                               www.aetna.com                                      800.835.6167
Vision Coverage                HMO Basic and PPO                   www.aetnanavigator.com (member information)
Flexible Spending              BlueCross BlueShield                www.bcbsga.com                                     800.628.3988
Accounts (FSAs)                PPO and Out-of-Area plan
Income Protection Benefits     CIGNA HDHP (including               www.mycignaplans.com                               800.769.2116
                               prescription drug benefits)         Open Enrollment ID: SunTrust2010
Employee Assistance Program                                        Open Enrollment Password: cigna
Legal Notices                  Health Savings Account              www.connectyourcare.com/suntrustpf/                866.442-1313

Summary Plan Descriptions      Medicare supplement plans           https://member-fhs.umr.com                         800.430.4308
                               Express Scripts prescription drug   www.express-scripts.com or                         877.242.1128
                               benefits (for HMO Basic, PPO and    https://member.express-scripts.com/preview/        (general information)
                               Medicare supplement plans)          suntrust2010 (Express Preview)                     800.824.0898
                                                                                                                      (pharmacy help desk)
                                                                                                                      866.848.9870 (CuraScript)
                               CIGNA Basic and Plus dental         www.cigna.com                                      800.769.2116
                               plans and Dental HMO
                               UnitedHealthcareVision plan         www.myuhcspecialtybenefits.com                     800.638.3120 (member services)
                                                                                                                      800.839.3242 (for in-network
                                                                                                                      providers)
                               Flexible Spending Accounts          www.aetnanavigator.com                             888.238.6226, fax 888.238.3539
                               Employee Assistance Program         www.guidanceresources.com                          877.369.1785
                               (EAP)                               (use ID “SunTrustCares”)
                               Sparkfly                            Available from BENE Online or via the SunTrust     800.687.2359
                                                                   intranet SunPerks site
                               Bright Horizons                     www.brighthorizons.com/advantage                   877.BH.CARES
                                                                   (user name “SunTrust”;                             (877.242.2737)
                                                                   password “BrightHorizons”)                                                                  More

                                                                                                                                          Previous page   Next page   52
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                              Finding In-Network Providers
How to Use This Guide

Enrolling                      Any medical, dental, or               BENE Online
Paying for Your Benefits
                               vision plan                           Provider lookup is under Health & Welfare in the “Planning Tools”
                                                                     section.
Medical Coverage
                               Aetna                                 www.aetna.com/docfind
Dental Coverage                HMO Basic and PPO                     Search for provider by zip code, city, or county, and then choose
                                                                     the applicable state.
Vision Coverage
                                                                     1. Complete the appropriate geographic information, and select
Flexible Spending                                                       the type of provider.
Accounts (FSAs)                                                      2. Select one of the two combinations:
Income Protection Benefits                                              • For HMO Basic: choose Aetna Standard Plans and Aetna
                                                                          SelectSM (you will need the physician’s ID number to identify
Employee Assistance Program                                               your Primary Care Physician during Annual Enrollment)
Legal Notices                                                           • For PPO: Choose Aetna Open Access Plans and Aetna Choice®
                                                                          POS II as the plan
Summary Plan Descriptions
                               BlueCross BlueShield                  www.bluecares.com/healthtravel/finder.html
                               PPO and Out-of-Area plan              Click the “Guest” tab and then click “Find Providers.” Choose
                                                                     “PPO” and then click “Find Providers” again.
                                                                     Once you are on the “Blue National Doctor and Hospital Finder”
                                                                     page, use the tabs across the top to search for different types of
                                                                     providers.
                               CIGNA HDHP                            www.mycignaplans.com
                                                                     Open Enrollment ID: SunTrust2010
                                                                     Open Enrollment Password: cigna
                                                                     Enter your search criteria in the Provider Directory and select the
                                                                     Open Access network.
                               CIGNA dental plans                    http://cigna.benefitnation.net/cignadol/emp_network.asp?
                                                                     provtype=dent&employer=2240567
                                                                     Select HMO or PPO and search by zip code or state.
                               UnitedHealthcare Vision plan          https://www.myuhcvision.com/members/index.jsp
                                                                     Select current or future member and enter the requested
                                                                     information.



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Home Page
                              HMO Coverage Overview
How to Use This Guide                                                                           Aetna HMO Basic
Enrolling                                                                                        In-Network Only                                    About Preventive Care
Paying for Your Benefits       Annual deductible                             $150/individual                                                        Eligible tests and screenings
                                                                             $300/family                                                            are considered preventive
Medical Coverage
                               Annual out-of-pocket maximum                  $2,000/individual                                                      care if performed as part
Dental Coverage                                                              $4,000/family                                                          of a routine examination
Vision Coverage                Lifetime maximum benefit                      None                                                                   and considered appropriate
                                                                                                                                                    based on evidence qualified
Flexible Spending              What the Plan Pays                                                                                                   protocols. Any test or
Accounts (FSAs)                Preventive care                               100%                                                                   screenings to diagnose
Income Protection Benefits     Office visits                                 100% after:                                                            disease based on symptoms
                               • PCP/Physician                               • $25 copay                                                            will be covered as treatment
Employee Assistance Program
                               • Specialist                                  • $35 copay                                                            if eligible. For a list of
Legal Notices                                                                                                                                       recommended immunizations
                               Hospital care                                 90% after deductible*
                                                                                                                                                    and screenings based on your
Summary Plan Descriptions      • Inpatient services
                                                                                                                                                    age, click here.
                               • Outpatient surgery
                               Emergency care                                100% after $125 copay
                                                                             (copay waived if admitted)**
                               Urgent care                                   100% after $50 copay
                               Lab and X-ray                                 100%, no deductible
                               Mental health/substance abuse
                               treatment
                               • Inpatient                                   • 90% after deductible
                               • Outpatient                                  • 100% after $35 copay


                              * Routine/preventive colonoscopies performed by a participating provider in accordance with American Cancer
                              Society guidelines are covered at 100%.
                              ** Emergency care is covered at the in-network benefit level for a life- or limb-threatening emergency.




                                                                                                                                                  Previous page   Next page    54
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          for 2010            Benefit Choices                      Resources                   During the Year                        Information


Home Page
                              PPO Coverage Overview                                                                PPO
How to Use This Guide
                                                                                     In-Network                                 Out-of-Network
Enrolling                                                                                                                  (based on R&C allowance)
Paying for Your Benefits       Annual deductible                      Buy-Up:                                         Buy-Up:                                         About Preventive Care
Medical Coverage                                                      $400/individual $800/family                     $800/individual $1,600/family
                                                                      Core:                                           Core:                                           Eligible tests and screenings
Dental Coverage                                                       $600/individual $1,200/family                   $1,200/individual $2,400/family                 are considered preventive
                                                                                                                                                                      care if performed as part
Vision Coverage                Annual out-of-pocket                   Buy-Up:                         Buy-Up:                                                         of a routine examination
Flexible Spending
                               maximum                                $3,000/individual $6,000/family $6,000/individual $12,000/family                                and considered appropriate
Accounts (FSAs)                                                       Core:                           Core:                                                           based on evidence qualified
                                                                      $4,000/individual $8,000/family $8,000/individual $16,000/family                                protocols. Any eligible test
Income Protection Benefits
                               Lifetime maximum benefit                                                       $2,000,000                                              or screening to diagnose
Employee Assistance Program                                                                                                                                           disease based on symptoms
                               What the Plan Pays
Legal Notices                                                                                                                                                         will be covered as treatment.
                               Preventive care                        Buy-Up: 100%, no deductible                     70% after deductible
                                                                                                                                                                      For a list of recommended
Summary Plan Descriptions                                             Core: 100%, no deductible                       60% after deductible
                                                                                                                                                                      immunizations and screenings
                               Office visits                          Buy-Up: 90%, after deductible                   70% after deductible                            based on your age, click
                               • PCP/Physician                        Core: 80%, after deductible                     60% after deductible                            here.
                               • Specialist
                               Hospital care                          Buy-Up: 90%, after deductible*                  70% after deductible
                               • Inpatient services                   Core: 80%, after deductible*                    60% after deductible
                               • Outpatient surgery
                               Emergency care                         Buy-Up: 90%, after deductible**                 70% after deductible**
                                                                      Core: 80%, after deductible**                   60% after deductible**
                               Urgent care                            Buy-Up: 90%, after deductible                   70% after deductible
                                                                      Core: 80%, after deductible                     60% after deductible
                               Lab and X-ray                          Buy-Up: 90%, after deductible                   70% after deductible
                                                                      Core: 80%, after deductible                     60% after deductible
                               Mental health/substance                Buy-Up: 90%, after deductible                   70% after deductible
                               abuse treatment                        Core: 80%, after deductible                     60% after deductible
                               • Inpatient
                               • Outpatient
                               * Routine/preventive colonoscopies performed by a participating provider in accordance with American Cancer Society guidelines are
                               covered at 100%.
                               ** Emergency care is covered at the in-network benefit level for a life- or limb-threatening emergency.
                                                                                                                                                                    Previous page   Next page    55
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          for 2010            Benefit Choices                     Resources                    During the Year                       Information


Home Page
                              HDHP Coverage Overview                                                      CIGNA HDHP
How to Use This Guide
                                                                                     In-Network                            Out-of-Network
Enrolling                                                                                                             (based on R&C allowance)
                                                                                                                                                                     About Preventive Care
Paying for Your Benefits       Annual deductible                        $1,500 — teammate-only                      $3,000 — teammate-only
                                                                        $3,000 — teammate and any                   $6,000 — teammate and any                        Eligible tests and screenings
Medical Coverage
                                                                        dependents                                  dependents                                       are considered preventive
Dental Coverage                                                                                                                                                      care if performed as part
                               Annual out-of-pocket                     $5,500 — teammate-only     $11,000 — teammate-only
Vision Coverage                maximum                                  $11,000 — teammate and any $22,000 — teammate and any                                        of a routine examination
                                                                        dependents                 dependents                                                        and considered appropriate
Flexible Spending                                                                                                                                                    based on evidence qualified
Accounts (FSAs)                Lifetime maximum benefit                                                    $2,000,000                                                protocols. Any test or
Income Protection Benefits     What the Plan Pays                                                                                                                    screenings to diagnose
                               Preventive care                          100%, no deductible                         70% after deductible                             disease based on symptoms
Employee Assistance Program
                                                                                                                                                                     will be covered as treatment
                               Office visits                            90% after deductible                        70% after deductible
Legal Notices                                                                                                                                                        if eligible. For a list of
                               • PCP/Physician
                                                                                                                                                                     recommended immunizations
Summary Plan Descriptions      • Specialist
                                                                                                                                                                     and screenings based on your
                               Hospital care                            90% after deductible*                       70% after deductible                             age, click here.
                               • Inpatient services
                               • Outpatient surgery
                               Emergency care                           90% after deductible**                      70% after deductible**
                               Urgent care                              90% after deductible                        70% after deductible
                               Lab and X-ray                            90% after deductible                        70% after deductible
                               Mental health/substance                  90% after deductible                        70% after deductible
                               abuse treatment
                               • Inpatient
                               • Outpatient
                              * Routine/preventive colonoscopies performed by a participating provider in accordance with American Cancer Society guidelines are
                              covered at 100%.
                              ** Emergency care is covered at the in-network benefit level for a life- or limb-threatening emergency.




                                                                                                                                                                   Previous page   Next page    56
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          for 2010            Benefit Choices          Resources            During the Year            Information


Home Page
                              Summary Plan Descriptions
How to Use This Guide
                              SunTrust Benefits Summary Plan Descriptions (SPDs) are available in the BENE Online Reading
Enrolling                     Room. The SPDs give more details about the SunTrust plans and how they work.
Paying for Your Benefits

Medical Coverage

Dental Coverage

Vision Coverage

Flexible Spending
Accounts (FSAs)

Income Protection Benefits

Employee Assistance Program

Legal Notices

Summary Plan Descriptions




                                                                                                                            Previous page   Next page   57
Making Solid Benefit Choices for 2010
     What’s Changing                      Your 2010                          Tools and                 Making Benefit Changes                      Contact
        for 2010                        Benefit Choices                      Resources                    During the Year                        Information


Comparing the Medical Plans                                                                                                                                                                         Return


                                           HMO Basic                                                     PPO                                                                    CDHP
                                         In-Network Only                         In-Network                           Out-of-Network                           In-Network               Out-of-Network
                                                                                                                 (based on R&C allowance)                                          (based on R&C allowance)
 Annual deductible                $150/individual                    Buy-Up:                                 Buy-Up:                                   $1,500 — teammate-only     $3,000 — teammate-only
                                  $300/family                        $400/individual $800/family             $800/individual $1,600/family             $3,000 — teammate and      $6,000 — teammate and
                                                                     Core:                                   Core:                                     any dependents             any dependents
                                                                     $600/individual $1,200/family           $1,200/individual $2,400/family
 Annual out-of-pocket             $2,000/individual                  Buy-Up:                         Buy-Up:                          $5,500 — teammate-only                      $11,000 — teammate-only
 maximum                          $4,000/family                      $3,000/individual $6,000/family $6,000/individual $12,000/family $11,000 — teammate and                      $22,000 — teammate and
                                                                     Core:                           Core:                            any dependents                              any dependents
                                                                     $4,000/individual $8,000/family $8,000/individual $16,000/family
 Lifetime maximum benefit None                                                                                                            $2,000,000
 What the Plan Pays
 Preventive care                  100%                               Buy-Up: 100%, no deductible             70% after deductible                      100%, no deductible        70% after deductible
                                                                     Core: 100%, no deductible               60% after deductible
 Office visits                    100% after:                        Buy-Up: 90%, after deductible           70% after deductible                      90% after deductible       70% after deductible
 • PCP/Physician                  • $25 copay                        Core: 80%, after deductible             60% after deductible
 • Specialist                     • $35 copay
 Hospital care                    90% after deductible*              Buy-Up: 90%, after deductible*          70% after deductible                      90% after deductible*      70% after deductible
 • Inpatient services                                                Core: 80%, after deductible*            60% after deductible
 • Outpatient surgery
 Emergency care                   100% after $125 copay              Buy-Up: 90%, after deductible**         70% after deductible**                    90% after deductible**     70% after deductible**
                                  (copay waived if                   Core: 80%, after deductible**           60% after deductible**
                                  admitted)**
 Urgent care                      100% after $50 copay               Buy-Up: 90%, after deductible           70% after deductible                      90% after deductible       70% after deductible
                                                                     Core: 80%, after deductible             60% after deductible
 Lab and X-ray                    100%, no deductible                Buy-Up: 90%, after deductible           70% after deductible                      90% after deductible       70% after deductible
                                                                     Core: 80%, after deductible             60% after deductible
 Mental health/substance                                             Buy-Up: 90%, after deductible           70% after deductible                      90% after deductible       70% after deductible
 abuse treatment                                                     Core: 80%, after deductible             60% after deductible
 • Inpatient                      • 90% after deductible
 • Outpatient                     • 100% after $35 copay
* Routine/preventive colonoscopies performed by a participating provider in accordance with American Cancer Society guidelines are covered at 100%.
** Emergency care is covered at the in-network benefit level for a life- or limb-threatening emergency.



                                                                                                                                                                                       Previous page          58

				
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