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SunTrust to Discuss NCF Merger at the UBS Global Financial Services Conference

May 10, 2004

SunTrust Banks, Inc. said today that L. Phillip Humann, chairman, president and chief executive officer of SunTrust Banks, Inc., William R. Reed, Jr., president and chief executive officer of National Commerce Financial Corporation, and Gary Peacock, Jr., SunTrust director of investor relations, will use SunTrust's allotted presentation time at the UBS 2004 Global Financial Services Conference on Tuesday, May 11, 2004 at 11:40 a.m. Eastern Time to discuss the recently announced merger agreement between SunTrust Banks, Inc. and National Commerce Financial.

Interested individuals may listen to the live webcast of the presentation and view the accompanying slides by visiting the SunTrust web site at . The webcast and slides may be accessed by clicking on the link, "Webcasts and Presentations," located under the "Investor Relations" pages. "Investor Relations" pages may be accessed from SunTrust's home page via the link, "About SunTrust." Listeners may also access an archived version of the presentation at the same address beginning the afternoon of May 11, 2004.

SunTrust Banks, Inc., headquartered in Atlanta, Georgia, is one of the nation's largest commercial banking organizations. As of March 31, 2004 SunTrust had total assets of $125.2 billion and total deposits of $80.9 billion. The company operates through an extensive distribution network primarily in Florida, Georgia, Maryland, Tennessee, Virginia and the District of Columbia and also serves customers in selected markets nationally. Its primary businesses include deposit, credit, trust and investment services. Through various subsidiaries the company provides credit cards, mortgage banking, insurance, brokerage and capital markets services. SunTrust's Internet address is .

SOURCE: SunTrust Banks, Inc.

CONTACT: Investors, Gary Peacock, +1-404-658-4879, or Media, Mike McCoy,
+1-404-588-7230, both of SunTrust Banks, Inc.