MADATORY DISTRIBUTION AMENDMENT

                                                                   Exhibit 10.82

                         MADATORY DISTRIBUTION AMENDMENT
                          (Code Section 401(a)(31)(B))

                                     TO THE

                   PROTOTYPE DEFINED CONTRIBUTION PLAN AND TRUST

                                  SPONSORED BY

                                  SUNTRUST BANK

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                        MANDATORY DISTRIBUTION AMENDMENT
                          (Code Section 401(a)(31)(B))

                                    ARTICLE I
                            APPLICATION OF AMENDMENT

1.1    Effective Date. Unless a later effective date is specified in Article III
      of this Amendment, the provisions of the Amendment will apply with respect
      to distributions made on or after March 28, 2005.

1.2    Precedence. The requirements of this Amendment will take precedence over
      any Inconsistent provisions of the Plan.

1.3    Adoption by prototype sponsor. Except as otherwise provided herein
      pursuant to Authority granted by section 5.01 of Revenue Procedure
      2000-20, the sponsoring Organization hereby adopts this amendment on
      behalf of all adopting employers.

                                   ARTICLE II
                    DEFAULT PROVISION: LOWER MANDATORY CASH-OUT
                               THRESHOLD TO $1,000

Unless the Employer otherwise elects in Article III of this Amendment, the
provisions of the Plan For the mandatory distribution of amounts not exceeding
$5,000, are amended as follows:

The dollar threshold in such provisions(i.e., $5,000) is reduced to $1,000 and
the value of the Participant's interest in the Plan for such purpose shall
include any rollover contributions (and Earnings thereon) within the meaning of
Code Sections 402(c), 403(a)(4), 403(b)(8), 408(d)(3)(A)(ii), and 457(e)(16).

                                   ARTICLE III
                          ADOPTION AGREEMENT ELECTIONS

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