SunTrust 2006 Annual Report Download - page 19

Financial Data” in the MD&A); Securities (under the caption “Securities Available for Sale” in the
MD&A and Note 5 of the Notes); Outstanding Loans and Leases (under the caption “Loans” in the
MD&A, and Note 6 of the Notes); Deposits (under the caption “Deposits” in the MD&A); Short-Term
Borrowings (under the caption “Liquidity Risk” in the MD&A and Note 10 of the Notes); Trading
Account Liabilities (in Note 4 of the Notes); Market Risk Management (under the caption “Market Risk
Management” in the MD&A); Liquidity Risk Management (under the caption “Liquidity Risk” in the
MD&A); Operational Risk Management (under the caption “Operational Risk Management” in the
MD&A).
SunTrust’s Annual Report on Form 10-K, Quarterly Reports on Form 10-Q, Current Reports on Form
8-K and amendments to those reports filed or furnished pursuant to Section 13(a) or 15(d) of the
Securities Exchange Act of 1934 are available on the Company’s website at www.suntrust.com under
the Investor Relations Section as soon as reasonably practicable after the Company electronically files
such material with, or furnishes it to the SEC. The public may read and copy any materials the Company
files with the SEC at the SEC Public Reference Room at 100 F Street, NE, Washington, DC, 20549. The
public also may obtain information on the operation of the Public Reference Room by calling the SEC at
1-800-SEC-0330. The SEC also maintains an Internet site that contains reports, proxy and information
statements, and other information regarding issuers that file electronically with the SEC. The SEC’s
website address is www.sec.gov. In addition, SunTrust makes available on its website at
www.suntrust.com under the heading Corporate Governance its: (i) Code of Ethics; (ii) Corporate
Governance Guidelines; and (iii) the charters of SunTrust Board committees, and also intends to
disclose any amendments to its Code of Ethics, or waivers of the Code of Ethics on behalf of its Chief
Executive Officer, Chief Financial Officer and Chief Accounting Officer, on its website. These
corporate governance materials are also available free of charge in print to shareholders who request
them in writing to: SunTrust Banks, Inc., Attention: Investor Relations Department, P.O. Box 4418,
Center 645, Atlanta, Georgia 30302-4418.
The Company’s Annual Report on Form 10-K is being distributed to shareholders in lieu of a separate
annual report containing financial statements of the Company and its consolidated subsidiaries.
Item 1A. RISK FACTORS
Cautionary Statement Regarding Forward-Looking Statements
The information included or incorporated by reference in this Form 10-K may contain forward-looking
statements. Statements that do not describe historical or current facts, including statements about beliefs
and expectations, are forward-looking statements. These statements often include the words “believes,”
“expects,” “anticipates,” “estimates,” “intends,” “plans,” “targets,” “initiatives,” “potentially,”
“probably,” “projects,” “outlook” or similar expressions or future conditional verbs such as “may,” “will,”
“should,” “would,” and “could.”
Forward looking statements involve significant risks and uncertainties. Investors are cautioned against
placing undue reliance on such statements. Actual results may differ materially from those set forth in the
forward-looking statements. Such statements are based upon the current beliefs and expectations of the
management of SunTrust and on information currently available to management. The forward looking
statements are intended to be subject to the safe harbor provided by Section 27A of the Securities Act of
1933 and Section 21E of the Securities Exchange Act of 1934, as amended (the “Exchange Act”). Such
statements speak as of the date hereof, and SunTrust does not assume any obligation to update the
statements included or incorporated by reference or to update the reasons why actual results could differ
from those contained in such statements in light of new information or future events.
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