vestment solutions via STRH, primarily through the REIT group focused on Real Estate Investment Trusts. The Institutional Real Estate team targets relationships with institutional advisors, private funds, and insurance companies and the Regional team focuses on real estate owners and developers through a regional delivery structure. Commercial Real Estate also offers tailored financing and equity investment solutions for community development and affordable housing projects through SunTrust Community Capital, with particular expertise in Low Income Housing Tax Credits and New Market Tax Credits. Treasury & Payment Solutions provides all SunTrust business clients with services required to manage their payments and receipts, combined with the ability to manage and optimize their deposits across all aspects of their business. Treasury & Payment Solutions operates all electronic and paper payment types, including card, wire transfer, automated clearing house, check, and cash. It also provides clients the means to manage their accounts electronically online, both domestically and internationally. Mortgage Banking This segment offers residential mortgage products nationally through its retail and correspondent channels, as well as via the Internet (www.suntrust.com) and by telephone (1-800-SUNTRUST). These products are either sold in the secondary market, primarily with servicing rights retained, or held in the company’s loan portfolio. Mortgage Banking services loans for itself and for other investors, and includes ValuTree Real Estate Services, LLC, a tax service subsidiary. Loan Portfolio Commercial The commercial and industrial loan type includes loans to fund business operations or activities, loans secured by owner-occupied properties, corporate credit cards, and other wholesale lending activities. Commercial real estate and commercial construction loan types include investor loans where repayment is largely dependent upon the operation, refinance, or sale of the underlying real estate. Commercial loans and construction loans secured by owner-occupied properties are classified as commercial and industrial loans, as the primary source of loan repayment for owner-occupied properties is business income and not real estate operations. Residential Residential mortgages consist of loans secured by 1-4 family homes, mostly prime first-lien loans, both government-guaranteed and nonguaranteed. Residential construction loans include owner-occupied residential lot loans and construction-to-perm loans. Home equity products consist of equity lines of credit and closed-end equity loans that may be in either a first lien or junior lien position. Consumer The loan types consists of the company’s consumer loan segment include government-guaranteed student loans, other direct loans (consisting primarily of direct auto loans, loans secured by negotiable collateral, unsecured loans and private student loans), indirect loans (consisting of loans secured by automobiles, boats, and recreational vehicles), and consumer credit cards. Deposits As of December 31, 2014, the company’s deposits included noninterest-bearing deposits; NOW accounts; money market accounts; savings accounts; consumer time deposits; other time deposits; brokered time deposits; and foreign deposits. Investment Securities As of December 31, 2014, the company’s securities portfolio included U.S. treasury securities; federal agency securities; securities of U.S. states and political subdivisions; mortgage-backed securities – agency; mortgage-backed securities – private; asset-backed securities; corporate and other debt securities; and other equity securities. Government Supervision and Regulation As a bank holding company and a financial holding company, the company is subject to the regulation and supervision of the Federal Reserve System, and as a Georgia-chartered bank holding company, by the Georgia Department of Banking and Finance. The bank, is a Georgia state-chartered bank with branches in Georgia, Florida, the District of Columbia, Maryland, Virginia, North Carolina, South Carolina, Tennessee, Alabama, West Virginia, Miss
suntrust banks inc (STI:New York)
303 Peachtree Street, N.E.
Atlanta, GA 30308
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