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SUNTRUST  ANNUAL REPORT62
CONTROLS AND PROCEDURES
EVALUATION OF DISCLOSURE CONTROLS AND PROCEDURES
The Company conducted an evaluation, with the participation of its Chief
Executive Officer and Chief Financial Officer, of the effectiveness of the
Company’s disclosure controls and procedures as of December , .
The Company’s disclosure controls and procedures are designed to ensure
that information required to be disclosed by the Company in the reports
that it files or submits under the Securities Exchange Act of  is recorded,
processed, summarized, and reported on a timely basis.
Based upon that evaluation, the Chief Executive Officer and Chief
Financial Officer concluded, as of December , , that the Company’s
disclosure controls and procedures were effective in recording, processing,
summarizing, and reporting information required to be disclosed by the
Company, within the time periods specified in the SEC’s rules and forms,
and such information is accumulated and communicated to management
to allow timely decisions regarding required disclosures.
MANAGEMENT’S REPORT ON INTERNAL CONTROL OVER
FINANCIAL REPORTING
Management is responsible for establishing and maintaining adequate
internal control over financial reporting for the Company. The Company’s
internal control over financial reporting is a process designed under the
supervision of the Company’s Chief Executive Officer and Chief Financial
Officer to provide reasonable assurance regarding the reliability of financial
reporting and the preparation of the Company’s financial statements for
external purposes in accordance with U.S. generally accepted accounting
principles.
Because of its inherent limitations, internal control over financial
reporting may not prevent or detect misstatements. Also, projections of
any evaluation of effectiveness to future periods are subject to the risk that
controls may become inadequate because of changes in conditions, or that
the degree of compliance with the policies or procedures may deteriorate.
Management has made a comprehensive review, evaluation, and
assessment of the Company’s internal control over financial reporting as
of December , . In making its assessment of internal control over
financial reporting, management used the criteria issued by the Committee
of Sponsoring Organizations of the Treadway Commission in Internal
Control–Integrated Framework. Based on that assessment, management
concluded that, as of December , , the Company’s internal control
over financial reporting is effective.
Management’s assessment of the effectiveness of the Company’s
internal control over financial reporting as of December , , has been
audited by PricewaterhouseCoopers LLP, an independent registered public
accounting firm, as stated in their report appearing on pages  and ,
which expresses unqualified opinions on management’s assessment and on
the effectiveness of the Company’s internal control over financial reporting
as of December , .
CHANGES IN INTERNAL CONTROL OVER FINANCIAL
REPORTING
Management of the Company has evaluated, with the participation of the
Company’s Chief Executive Officer and Chief Financial Officer, changes in
the Company’s internal control over financial reporting (as defined in Rules
a-(f) and d-(f) of the Exchange Act) during the fourth quarter of
. Based upon that evaluation, Management has determined that there
have been no changes to the Company’s internal control over financial
reporting that occurred since the beginning of the Company’s fourth quar-
ter of  that have materially affected, or are reasonably likely to materi-
ally affect, the Company’s internal control over financial reporting.
CEO AND CFO CERTIFICATIONS
The Company’s Chief Executive Officer and Chief Financial Officer have filed
with the Securities and Exchange Commission the certifications required by
Section  of the Sarbanes-Oxley Act of  as Exhibits . and . to
the Company’s  Form -K. In addition, on May ,  the Company’s
Chief Executive Officer certified to the New York Stock Exchange that he
was not aware of any violation by the Company of the NYSE corporate
governance listing standards as in effect on May ,. The foregoing
certification was unqualified.
OTHER INFORMATION
Not applicable.
MANAGEMENT’S DISCUSSION AND ANALYSIS continued