STI 2018 Annual Report

i GLOSSARY OF DEFINED TERMS 2017 Tax Act — Tax Cuts and Jobs Act of 2017. ABS —Asset-backed securities. ACH —Automated clearing house. AFS —Available for sale. AIP —Annual Incentive Plan. ALCO —Asset/Liability Committee. ALM —Asset/Liability management. ALLL —Allowance for loan and lease losses. AML —Anti-money laundering. AOCI —Accumulated other comprehensive income. APIC —Additional paid-in capital. ASC —Accounting Standards Codification. ASU —Accounting Standards Update. ATE —Additional termination event. ATM —Automated teller machine. Bank — SunTrust Bank. Basel III — the Third Basel Accord, a comprehensive set of reform measures developed by the BCBS. BB&T — BB&T Corporation. BCBS — Basel Committee on Banking Supervision. BHC — Bank holding company. BHC Act — Bank Holding Company Act of 1956. Board — the Company’s Board of Directors. bps — Basis points. BRC — Board Risk Committee. CC — Capital Committee. CCAR — Comprehensive Capital Analysis and Review. CCB — Capital conservation buffer. CD — Certificate of deposit. CDR — Conditional default rate. CDS — Credit default swaps. CEO — Chief Executive Officer. CET1 — Common Equity Tier 1 Capital. CFO — Chief Financial Officer. CFPB — Consumer Financial Protection Bureau. CFTC — Commodity Futures Trading Commission. CIB — Corporate and investment banking. C&I — Commercial and industrial. CIO — Chief Information Officer. Class A shares — Visa Inc. Class A common stock. Class B shares — Visa Inc. Class B common stock. CME — Chicago Mercantile Exchange. Company — SunTrust Banks, Inc. CP — Commercial paper. CPP — Capital Purchase Program established by the U.S. Treasury. CPR — Conditional prepayment rate. CRA — Community Reinvestment Act of 1977. CRE — Commercial real estate. CRO — Chief Risk Officer. CSA — Credit support annex. DDA — Demand deposit account. DIF — Deposit Insurance Fund. Dodd-Frank Act — Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010. DOJ — Department of Justice. DTA — Deferred tax asset. DTL — Deferred tax liability. DVA — Debit valuation adjustment. EBPC — Enterprise Business Practices Committee. EGRRCPA — Economic Growth, Regulatory Relief, and Consumer Protection Act. EPS — Earnings per share. ERC — Enterprise Risk Committee. ERISA — Employee Retirement Income Security Act of 1974. Exchange Act — Securities Exchange Act of 1934. Fannie Mae — Federal National Mortgage Association. FASB — Financial Accounting Standards Board. Form 8-K and tax reform-related items — items announced in the Company’s Form 8-K filed with SEC on December 4, 2017 and items related to the enactment of the 2017 Tax Act during the fourth quarter of 2017. Freddie Mac — Federal Home Loan Mortgage Corporation. FDIC — Federal Deposit Insurance Corporation. Federal Reserve — Federal Reserve System. Fed Funds — Federal funds. FFIEC — Federal Financial Institutions Examination Council. FHA — Federal Housing Administration. FHLB — Federal Home Loan Bank. FICA — Federal Insurance Contributions Act. FICO — Fair Isaac Corporation. FINRA — Financial Industry Regulatory Authority. Fitch — Fitch Ratings Ltd. FRB — Federal Reserve Board (Board of Governors of the Federal Reserve System). FTE — Fully taxable-equivalent. FVO — Fair value option. Ginnie Mae — Government National Mortgage Association. GLBA — Gramm-Leach-Bliley Act. GSE — Government-sponsored enterprise. HAMP — Home Affordable Modification Program. HRA — Health Reimbursement Account. HUD — U.S. Department of Housing and Urban Development. IPO — Initial public offering. IRLC — Interest rate lock commitment. IRS — Internal Revenue Service. ISDA — International Swaps and Derivatives Association. LCH — LCH.Clearnet Limited. LCR — Liquidity coverage ratio. LGD — Loss given default. LHFI — Loans held for investment. LHFS — Loans held for sale. LIBOR — London Interbank Offered Rate. LOCOM — Lower of cost or market. LTI — Long-term incentive. LTV — Loan to value. Mastercard — Mastercard International. MBS — Mortgage-backed securities. MD&A — Management’s Discussion and Analysis of Financial Condition and Results of Operation. MI — Mortgage insurance. Moody’s — Moody’s Investors Service. MRA — Master Repurchase Agreement. MRM — Market Risk Management.