HIL CO 73 page 7

 Company of Georgia and Sun Bank of Florida at that time. On July 1, 1985, it
 became law that we could merge, and that is when we actually did merge the
 two, on July 1, 1985. I then became a member of the board in Atlanta, and we
 still had the bank board in Sun Bank in Orlando. Later, we phased that out
 because it was not really necessary, so we just had officers of the holding
 company become the directors of Sun Bank/Florida. The rest of us who were not
 officers in the corporation went off of that Sun Bank board and stayed on the
 Sun Trust board in Atlanta. That is basically the banking business. I was
 instrumental in forming two or three other banks. I helped Ellsworth Simmons
 [is this the former Hillsborough County Commission Chairman, ca. Early
 1950s?] and a group form the bank in Sun City.

B: When was that?

C: I would say 1965, 1966, somewhere along there.

B: And what was the name of that bank?

C: Sun City Bank, or Bank of Sun City.

B: Did that eventually become part of Sun Bank as well?

C: Yes. We represented a group that formed a bank in south St. Petersburg, known
 as Pinellas State Bank, but that was sold individually to somebody else. I was
 not on that board. I just represented the group, as a lawyer. I stayed on the Sun
 Trust board until I became seventy. When you become seventy, your nearest
 birthday to the annual meeting, you go off the board. That is the requirement, as
 the requirement is also that if you were an officer or employee of the company,
 at sixty-five, you have to retire. So, I retired from the Sun Trust board five years
 ago. The meeting was in April, and that would have been my last board meeting.
 But since then, I have been very active in both banks, Sun Trust here and Sun
 Trust in Orlando. I am on a committee, a board of the private banking group.
 What we do is, to become involved with the private capital group, you have to
 have $5,000,000 that you want [the bank] to invest for you. I am a member of
 that board. I am a member of our trust committee, on the board here, the Sun
 Trust Bank in Tampa. So, I am still actively involved in the bank, although not
 officially on the board.

B: You said it was 1985 when the law changed in Florida.

C: It changed nationwide.

B: That was a federal law that allowed you to merge across state-lines?

C: Yes, across state boundaries.