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Your return may vary from a direct investment in the Index.The SILC is not equivalent to investing directly in the Index or its underlying components. An investor in the SILC mayreceive a lower payment at maturity than such investor would have received had it invested directly in the Index or itsunderlying components. The return on the SILC is uncertain and could be limited to the Minimum Interest Amount.In addition, if the Index Appreciation Rate is greater than the Maximum Appreciation Rate, the return on the SILCwill be limited to the Maximum Appreciation Rate.An investment in the SILC subjects you to the credit risk of the Issuer.An investment in the SILC will also be subject to the credit risk of the Issuer and the SILC constitutes a seniorunsecured obligation of the Issuer.The historical levels of the Index may not indicate future levels of the Index.The historical levels of the Index are not an indication of the levels of the Index during the term of this SILC. Thecapital markets have been experiencing volatility and disruption for more than 12 months. Recently, the volatility anddisruption has reached unprecedented levels. In some cases, the markets have produced downward pressure on stockprices. This volatility and disruption should be considered in contemplating an investment in the SILC and in reviewingthe historical levels of the Index.Interest on the SILC is not compounded.The Indexed Amount or the Minimum Interest Amount, as the case may be, will be calculated as simple interest,meaning that it is calculated only on the principal amount of the SILC outstanding on the Maturity Date. Over time,simple interest results in a lower return than a depositor would receive if interest were to accrue periodically andcompounded. In addition, if a depositor redeems a SILC (in whole or in part) prior to the Maturity Date, the depositorwill not be entitled to receive at maturity any Indexed Amount or Minimum Interest Amount, as the case may be, thatwould otherwise be payable with respect to the principal amount of the SILC that was redeemed early.DOW JONES INDUSTRIAL AVERAGEAll disclosures contained in this Disclosure Statement Supplement regarding the Index are derived from publiclyavailable information and SunTrust Bank does not assume any responsibility for the accuracy or completeness ofsuch information.The Dow Jones Industrial Average (the “Index”) was introduced to the investing public by Charles Dow on May 26,1896 and originally was comprised of only 12 stocks. It has since become one of the most well known and widelyfollowed indicators of the U. S. stock market and is the oldest continuing stock market index in the world. The Index iscomprised of 30 common stocks chosen by the editors of The Wall Street Journal as representative of the broad marketof U.S. industry. Many of the companies represented in the Index are household names and leaders in their respectiveindustries, and their stocks are widely held by both individual and institutional investors. Because the Index is so wellknown and its performance is generally perceived to reflect that of the overall domestic equity market, it is often usedas a benchmark for investments in equities, mutual funds, and other asset classes.The Index is a price-weighted index rather than market capitalization-weighted index. In essence, the Indexconsists of one share of each of the 30 stocks included in the Index. Thus, the weightings of the components of theIndex are affected only by changes in their prices, while the weightings of stocks in other indices are affected by price8