Dental insurance.

You may choose from three levels of coverage: Basic, Plus and Dental HMO. Coverage becomes available as of the first day of employment for full-time employees and their families. The plan offers discounts if you choose to see a dentist who participates in the PPO network. The Dental HMO is not offered in all locations.

Vision care.

This program covers an annual eye exam and a wide range of glasses (lenses and frames) or contacts (which you can select instead of glasses), as well as access to discounts on laser eye surgery.

Health Care Flexible Spending Account.

Set aside pre-tax contributions up to $5,000 per year to pay for health care expenses not covered by your medical insurance, such as lasik surgery, childbirth classes and select over-the-counter medications.

Basic life insurance and AD&D coverage equal to 1.5 times annual base pay is provided by the company to full-time employees. Part-time employees receive $10,000 worth of basic life and AD&D coverage.

Long-term disability.

Long-term disability provides 60% of your annual base salary if you are deemed totally disabled by the insurance carrier. Full-time employees are eligible for this company-paid benefit beginning the first of the month following 12 months of service.

Long-term care.

You may purchase optional long-term care insurance, available to full-time and regular part-time employees. Long-term care insurance helps provide for your care when you are unable to perform the basic activities of daily living, such as eating, bathing and dressing. Coverage is also available to your eligible dependents who qualify.

Group Universal life.

As a full or regular part-time employee, you may purchase optional Group Universal Life insurance for yourself and eligible dependents at group rates.

You may enroll at any time after your hire date, and your elected contributions begin within two months. You may elect pre-tax contributions up to 20% of your pay. each time you contribute to the 401(k) plan, SunTrust will match your contributions dollar for dollar on your first 3% contributed and 50 cents on each dollar on the next 2% contributed. You will be 100% vested in the company's match as soon as it is allocated.

Retirement plan.

After you have completed five years of service, you become 100% vested in our retirement plan and are entitled to receive benefits when you reach retirement age.

The programs and policies we offer to aid you with your management of WorkLife assist with career development (SunTrust University and tuition assistance), counseling and advice (the Employee Assistance Program), time away from work, adoption reimbursement/leave and child and elder care (the Dependent Care Flexible Spending Account).

Tuition assistance.

As an eligible employee, you may, with manager approval and satisfactory job performance, be reimbursed for expenses incurred at institutions with regional or national accreditation. Related expenses will be considered for reimbursement if you satisfactorily complete the course work with a grade of "C" or better.

Eligible expenses:

• Tuition.
• Costs of books required for the course(s).
• Application and registration fees required for enrollment in the course(s).
• Annual Maximums: $1,500 for undergraduate courses. $2,500 for graduate level courses.

SunTrust University (STU).

SunTrust University is an in-house program providing training and development in eight colleges that represent specific lines of business and functional areas. The STU curriculum encourages further development of skills and expertise. Classes are offered via the web or in a classroom.

Employee Assistance Program.

This program offers free, confidential, short-term counseling, as well as resource information on a variety of subjects, such as elder care and child care.

Confidential counseling services.

ComPsych® Guidance Resources® provides professional and personal assistance by experienced counselors to you and your family members for any type of problem. This service is available 24 hours a day, seven days a week in the event you need help with personal and work-related issues. Five visits per issue in any 12-month period are provided at no personal expense to you.

Child and elder care resource and referral.

ComPsych® Guidance Resources® provides information that can help with the need to find appropriate child care as well as resources to meet the needs of aging parents. This resource and referral service helps you explore options, find background information and identify resources for choosing day care or finding elder care.

General living support.

EAP provides expert information to help with decisions regarding a variety of concerns and helps you save time and takes the headache out of getting information on:

• purchasing a car
• buying a house
• entertaining family and friends
• planning a vacation
• relocation to a new city
• repairing your home
• obtaining a passport
• buying a computer

Time away from work.

SunTrust recognizes that time away from work promotes balance and increased productivity. WorkLife benefits include paid holidays, vacation and sick leave as well as other special occasions of paid leave.