b'P-1909\nRev. 3/20\n\nSECURED CARD ACCOUNT AGREEMENT\nTable of Contents\n\nSECURITY INTEREST\nSUMMARY OF KEY TERMS\nAGREEMENT TERMS\nCosts\nOverdraft Protection\nPayments\nAmendment (Changes) and Assignment\nAdditional Information\nArbitration Provision\nYour Billing Rights\nSecurity Agreement\nPLEDGE OF SECURITY\nINTEREST IN YOUR\nSECURED SAVINGS\nACCOUNT\n\nThe most current version of this Security Agreement shall be\npublished online. The online version of the agreement supersedes any prior written version. Bolded words or phrases are\ndefined terms, which are explained in the Definitions section\nof the Card Account Agreement.\n\nYour Card Account is a secured account, meaning You have pledged collateral to ensure repayment\nof the Credit that SunTrust provides You and any other debt that You owe SunTrust on Your Card\nAccount.\nPledge of Collateral\nIn consideration for the Bank issuing this Card Account to You, You have opened a Savings Account\ncalled the \xe2\x80\x9cSecured Card Savings Account\xe2\x80\x9d according to these parameters. The Savings Account must:\n\xef\x82\xa7 be titled in the same name(s) of the initial Cardholder(s) when the Card Account is opened and\nno other name(s);\n\xef\x82\xa7 be opened with a deposit that equals the amount of Your revolving Credit Limit; and\n\xef\x82\xa7 remain open during the duration of Your Card Account.\nYou cannot add/change Cardholders on Your Card Account after it is established, as the Cardholder\nand Savings Account owner names must match.\nTo secure all amounts You may owe, including but not limited to interest, fees, and charges, which accrue\non Your Card Account and all of Your other obligations on Your Card Account, You assign, transfer,\nand pledge a security interest in and grant the Bank all rights, title, and interest in the Savings Account\nand in all renewals, additions, and funds/earnings of the Savings Account. If Your Savings Account\nis closed for any reason, SunTrust may terminate Your Card Account in accordance with the terms of\nthis Agreement.\nThe primary rules and regulations for your Savings Account are described in the Bank Rules and\nRegulations for Deposit Accounts booklet provided to You separately. This Savings Account has\nadditional terms/restrictions that include the following.\n\xef\x82\xa7 At all times during the duration of Your Card Account, You must maintain funds in the Savings\nAccount that cover the amount of Your Credit Limit.\n\xef\x82\xa7 You may not make withdrawals from the Savings Account while it secures Your Card Account.\nThis restriction includes, but is not limited to, withdrawals of any funds at a branch, through an\nATM, through online transactions, through overdraft protection to a checking account, or by any\nother method.\n\xef\x82\xa7 You are not allowed to make additional deposits to this Savings Account, except when additional\ndeposit(s) is/are required for the Savings Account balance to cover the Card Account Credit\nLimit.\n\xef\x82\xa7 No transfer of ownership of the Savings Account to another person upon death of the\nCardholder(s) is permitted.\nRight of Bank to Control and Use Savings Account\nYou agree that this security interest, pledge, and assignment provides the Bank the right to redeem,\ncollect, and withdraw any part or the full amount of the Savings Account to satisfy Your obligations under\nthis Agreement upon Your Default under this Agreement or if Your Card Account is terminated for any\nreason. You acknowledge and agree that this security interest, pledge, and assignment gives the Bank\nexclusive control over the Savings Account. You agree that if Your Card Account is closed for any\nreason, SunTrust may apply funds in the Savings Account to pay off any balance on the Card Account.\nWhat SunTrust Does with Funds Remaining in Savings Account When Savings Account May\nBe Closed or is No Longer Required\n1.\n\nIf You Default under this Agreement or Your Card Account is terminated for any reason and\nSunTrust must apply funds in the Savings Account to pay off any outstanding Balance on Your\nCard Account, if funds remain in the Savings Account after SunTrust pays off the Balance\non the Card Account, SunTrust will remit these funds to You within 30 days after Your Card\nAccount is closed.\n\n2.\n\nIf SunTrust graduates You to an unsecured credit card account so that the Savings Account\nand security interest are no longer required and Your Card Account is in good standing, You\n\nhereby authorize SunTrust to conver\n\nThis Essential Savings account will\nthat secured Your Card Account. Y\nrestricted. This means You may mak\naccount for online banking and regis\nstatement monthly fee. If You do cho\na $3 monthly fee will be charged. Oth\nterms and conditions on the Persona\ncontent/dam/suntrust/us/en/personal-\n\nIf You do not wish to maintain\nSunTrust at 800-786-8787 or visit a\nSavings Account to an Essential\nthese funds, and SunTrust will hon\nDuration of Security Agreement\n\nYour security agreement will remain in effect u\nhas been paid in full and (b) all other obligatio\n\nWaiver of Rights and Other Legal Matter\n\nYou waive any right to require SunTrust\nAuthorized User on Your Card Account; or\nsecurity agreement before SunTrust pursues\nstated in this security agreement are in additio\nis a conflict regarding this security interest an\nrepresent that no insolvency proceeding or ge\nYour grant of this security interest. You waive\nwith this security interest.\nAssignment\n\nSunTrust has the right to Assign its rights u\nSunTrust may Assign its rights without You\nbenefits of SunTrust under the Security Agr\nto SunTrust\xe2\x80\x99s successors and assigns, inclu\nthrough a merger with SunTrust.\nEnforcement of Security Interest\n\nYou hereby irrevocably appoint the Bank as a\nYour debt under the Card Account. The m\nbe published online. The online version of th\nwords or phrases are defined terms, which a\nAgreement.\nSecured Card Account\nAgreement\nSUMMARY OF KEY TERMS\n\nFor each\nhttps://ww\nEveryday\nat the end\n\nWhen are You bound by the\nCA Terms?\n\nYour Car\nagree to t\n(2) You or\nobtaining\n\nWhat types of transactions\nmight You make with the\nCard/Account and how are\nthese transactions itemized\non Your bill each month?\n\n\xef\x82\xa7 You m\nCash\nfers.\nCardh\naction\n\xef\x82\xa7 Each\nterms;\ntogeth\ncount\namoun\nYour A\nIntere\nto You\n\n\x0cP-1909\nRev. 3/20\n\nrsion of this Security Agreement shall be\nhe online version of the agreement superten version. Bolded words or phrases are\nh are explained in the Definitions section\nAgreement.\n\nu have pledged collateral to ensure repayment\ner debt that You owe SunTrust on Your Card\n\nto You, You have opened a Savings Account\nhese parameters. The Savings Account must:\nolder(s) when the Card Account is opened and\n\nof Your revolving Credit Limit; and\nccount.\n\ncount after it is established, as the Cardholder\n\nited to interest, fees, and charges, which accrue\non Your Card Account, You assign, transfer,\nghts, title, and interest in the Savings Account\nSavings Account. If Your Savings Account\nCard Account in accordance with the terms of\n\nccount are described in the Bank Rules and\nYou separately. This Savings Account has\n\ncount, You must maintain funds in the Savings\nimit.\ns Account while it secures Your Card Account.\nhdrawals of any funds at a branch, through an\nraft protection to a checking account, or by any\n\no this Savings Account, except when additional\nunt balance to cover the Card Account Credit\n\ncount to another person upon death of the\n\nnment provides the Bank the right to redeem,\nvings Account to satisfy Your obligations under\nnt or if Your Card Account is terminated for any\nterest, pledge, and assignment gives the Bank\ne that if Your Card Account is closed for any\nnt to pay off any balance on the Card Account.\n\nings Account When Savings Account May\n\nard Account is terminated for any reason and\nunt to pay off any outstanding Balance on Your\nAccount after SunTrust pays off the Balance\ne funds to You within 30 days after Your Card\n\ndit card account so that the Savings Account\nYour Card Account is in good standing, You\n\nhereby authorize SunTrust to convert Your Savings Account to a Essential Savings account.\nThis Essential Savings account will be titled in the same name(s) as the Savings Account\nthat secured Your Card Account. Your access to the Essential Savings account will not be\nrestricted. This means You may make additional deposits and withdrawals You must enroll your\naccount for online banking and register to receive paperless statements to avoid the $3 paper\nstatement monthly fee. If You do choose to receive paper account statements through U.S. Mail\na $3 monthly fee will be charged. Other fees might apply \xe2\x80\x93 see: for full Essential Savings account\nterms and conditions on the Personal Deposit Accounts Fee Schedule https://www.suntrust.com/\ncontent/dam/suntrust/us/en/personal-banking/2019/documents/fs-retail-english.pdf.\n\nWhat You Pay, when, how,\nand what happens if You\npay late?\n\n\xef\x82\xa7 The M\nover Yo\nthe Ne\nInteres\nis less\nBalanc\nstill mu\nments\nin U.S.\nthe Sta\n\xef\x82\xa7 If You\nDate, S\nAccou\nLate P\nto rate\nTrust\nYour A\n\nIf You do not wish to maintain an Essential Savings account with these funds, call\nSunTrust at 800-786-8787 or visit a SunTrust branch after SunTrust converts Your existing\nSavings Account to an Essential Savings account to request some other disposition of\nthese funds, and SunTrust will honor Your request.\nDuration of Security Agreement\nYour security agreement will remain in effect until (a) all of Your debt to the Bank on Your Card Account\nhas been paid in full and (b) all other obligations secured by this Agreement have been fulfilled.\nWaiver of Rights and Other Legal Matters regarding the Security Interest\nYou waive any right to require SunTrust to: (a) proceed against You, any other Cardholder, or\nAuthorized User on Your Card Account; or (b) proceed against or exhaust any security held under this\nsecurity agreement before SunTrust pursues any other remedy in SunTrust\xe2\x80\x99s power. The Bank\xe2\x80\x99s rights\nstated in this security agreement are in addition to any others SunTrust has under applicable law. If there\nis a conflict regarding this security interest and any other agreement, this Agreement will control. You\nrepresent that no insolvency proceeding or general assignment for creditors is pending that would affect\nYour grant of this security interest. You waive any defense You may have against SunTrust, associated\nwith this security interest.\n\nHow will SunTrust apply\nYour payments?\n\n\xef\x82\xa7 You ag\nbe app\n\xef\x82\xa7 SunTr\nBalanc\nRate).\ngenera\nand an\norder b\napplica\nconnec\n\xef\x82\xa7 Payme\nCredit\nbe a d\ndeterm\ninsuffic\n\nWhat other important terms\nexist in the CA?\n\nYour liabil\nhappens if\nCredit Li\nspending l\nIndividual\nliable for a\nTerminatio\nCredit at a\nSharing\ninformation\nothers; ref\nArbitratio\nclaims; Yo\nupon claim\nBilling Di\ncharges/ar\nmerchants\nDefined T\n\nAssignment\nSunTrust has the right to Assign its rights under the Security Agreement and the Savings Account.\nSunTrust may Assign its rights without Your consent and without prior notice to You. The rights and\nbenefits of SunTrust under the Security Agreement and Savings Account shall automatically transfer\nto SunTrust\xe2\x80\x99s successors and assigns, including any entity that acquires SunTrust and/or is created\nthrough a merger with SunTrust.\nEnforcement of Security Interest\nYou hereby irrevocably appoint the Bank as attorney-in-fact to execute any instruments required to satisfy\nYour debt under the Card Account. The most current version of this Card Account Agreement shall\nbe published online. The online version of the agreement supersedes any prior written version. Bolded\nwords or phrases are defined terms, which are explained in the Definitions section of the Card Account\nAgreement.\nSecured Card Account\nAgreement\nSUMMARY OF KEY TERMS\n\nFor each bolded word or phrase, the definition is provided at\nhttps://www.suntrust.com/PersonalBanking/\nEverydayBanking/CreditCards and in the definitions section\nat the end of this Agreement.\n\nWhen are You bound by the\nCA Terms?\n\nYour Card Account Agreement with SunTrust starts and You\nagree to the terms when (1) You accept and/or sign the Card or\n(2) You or an Authorized User use(s) the Card or Account, thus\nobtaining Credit from SunTrust.\n\nWhat types of transactions\nmight You make with the\nCard/Account and how are\nthese transactions itemized\non Your bill each month?\n\n\xef\x82\xa7 You may use Your Card/Account to make legal Purchases,\nCash Advances, Overdraft Advances and Balance Transfers. You are responsible for transactions that You, other\nCardholders, and Authorized Users make, whether the transactions are legal or not.\n\xef\x82\xa7 Each type of transaction has different associated costs and\nterms; each transaction type and associated costs are grouped\ntogether and detailed in Your monthly Statement (Card Account bill) by transaction type. The combined outstanding\namount of each transaction type is Your New Balance due on\nYour Account each month (Billing Period). You must pay all\nInterest Charges, fees, and Other Charges properly charged\nto Your Account.\n\n\xef\x82\xa7 SunTr\nto pay\nthe op\nStatem\namoun\nIn eithe\nafter th\n\nInterest Charges and\nTransaction Fees in\nGeneral:\n\nInterest Rates and Interest\nCharges based upon Credit\nInquiries:\n\nSunTrust\nBalance (\nuses com\nCompound\nthat You o\nPeriod on\nCard Mail\nPeriodic R\nOther Cha\n\nYour eligib\nother CA te\nauthorize S\nand inves\nappropriat\na Card Ac\nto Your\nAccount,\npermissibl\n\n\x0cngs Account to a Essential Savings account.\n\nthe same name(s) as the Savings Account\nto the Essential Savings account will not be\ndeposits and withdrawals You must enroll your\ne paperless statements to avoid the $3 paper\nve paper account statements through U.S. Mail\nt apply \xe2\x80\x93 see: for full Essential Savings account\ncounts Fee Schedule https://www.suntrust.com/\n9/documents/fs-retail-english.pdf.\n\nWhat You Pay, when, how,\nand what happens if You\npay late?\n\nal Savings account with these funds, call\nranch after SunTrust converts Your existing\ncount to request some other disposition of\nuest.\n\nYour debt to the Bank on Your Card Account\nby this Agreement have been fulfilled.\nthe Security Interest\n\need against You, any other Cardholder, or\nagainst or exhaust any security held under this\nemedy in SunTrust\xe2\x80\x99s power. The Bank\xe2\x80\x99s rights\ners SunTrust has under applicable law. If there\nagreement, this Agreement will control. You\nnment for creditors is pending that would affect\ne You may have against SunTrust, associated\n\nHow will SunTrust apply\nYour payments?\n\ncurity Agreement and the Savings Account.\nnd without prior notice to You. The rights and\nSavings Account shall automatically transfer\nntity that acquires SunTrust and/or is created\n\nct to execute any instruments required to satisfy\nversion of this Card Account Agreement shall\nt supersedes any prior written version. Bolded\nin the Definitions section of the Card Account\n\nd or phrase, the definition is provided at\n.com/PersonalBanking/\neditCards and in the definitions section\nreement.\n\nWhat other important terms\nexist in the CA?\n\nAgreement with SunTrust starts and You\nhen (1) You accept and/or sign the Card or\nzed User use(s) the Card or Account, thus\nSunTrust.\n\nr Card/Account to make legal Purchases,\nOverdraft Advances and Balance Transsponsible for transactions that You, other\nAuthorized Users make, whether the transr not.\nsaction has different associated costs and\nction type and associated costs are grouped\niled in Your monthly Statement (Card Acnsaction type. The combined outstanding\nansaction type is Your New Balance due on\nch month (Billing Period). You must pay all\nfees, and Other Charges properly charged\n\nInterest Charges and\nTransaction Fees in\nGeneral:\n\nInterest Rates and Interest\nCharges based upon Credit\nInquiries:\n\n\xef\x82\xa7 SunTrust will send You a monthly Statement (bill). You agree\nto pay all Authorized Charges on the Statement. You have\nthe option of paying in full the New Balance shown on each\nStatement or paying in installments that at least equal the\namount of the Minimum Payment shown on Your Statement.\nIn either case, the payment Due Date will be at least 25 days\nafter the Closing Date of Your Statement.\n\nCost on Purchases:\nSunTrust will charge the\nInterest Charge (unless\ninapplicable because\nof the Grace Period) on\nYour Purchases from the\ntransaction date.\n\n\xef\x82\xa7 The Minimum Payment will include any amount past due or\nover Your Credit Limit plus the greater of (1) $25.00, (2) 2% of\nthe New Balance, or (3) 1% of the New Balance plus current\nInterest Charges and Other Charges. If the New Balance\nis less than $25.00, the Minimum Payment will be the New\nBalance. If You pay more than the Minimum Payment, You\nstill must make the Minimum Payment on subsequent Statements until You have fully paid what You owe. You must pay\nin U.S. dollars, without restrictive terms, and in accordance with\nthe Standard Payment Instructions.\n\xef\x82\xa7 If You do not pay at least the Minimum Payment by the Due\nDate, SunTrust will charge a Late Payment fee, unless Your\nAccount is exempt from Late Payment fees. If You make a\nLate Payment, You will be in Default and You may be subject\nto rate increases. If You are in Default for any reason, SunTrust can require that the entire outstanding full Balance on\nYour Account be immediately paid.\n\n\xef\x82\xa7 Any Pu\nStatem\nmonth\xe2\x80\x99s\n\xef\x82\xa7 The c\nit appl\nmultipli\n(2) the\n\xef\x82\xa7 You wi\nreflecte\nYour N\nPurcha\nBilling\nthe con\n\nCosts on Cash Advances:\nSunTrust will charge the\nInterest Charge on Your Cash\nAdvances from the date they\nare posted to Your Account.\n\nThe costs\nat the app\nAdvances\nInterest Ch\nmultiplied b\nthe applica\n\nCost on Overdraft\nAdvances:\nSunTrust will charge the\nInterest Charge on Your\nOverdraft Advances from the\ndate they are posted to Your\nAccount.\n\nThe cost o\nAverage D\nthe numbe\nDPR. In a\nAccounts,\nfor such se\nfees. Over\n\nCosts on Balance\nTransfers:\nWhen SunTrust provides You\na Balance Transfer check or\nBalance Transfer request\nform or when You request a\nBalance Transfer, SunTrust\nwill charge the Interest\nCharge on Your Balance\nTransfer from the date it is\nposted to Your Account.\n\n\xef\x82\xa7 The co\ncomput\nBalanc\ntransac\n\xef\x82\xa7 The DP\nBalanc\nBilling\n\n\xef\x82\xa7 You agree that the Minimum Payments on Your Account will\nbe applied in the order SunTrust selects.\n\xef\x82\xa7 SunTrust may allocate Your Minimum Payments to\nBalances starting with the lowest APR (Annual Percentage\nRate). Payments in excess of the Minimum Payment will\ngenerally be applied first to Balances with the highest APR\nand any remaining portion to the other Balances in descending\norder based on their APRs, unless SunTrust is required by\napplicable law to use a different payment application method in\nconnection with a deferred interest or similar program.\n\xef\x82\xa7 Payments are normally applied to restore Your available\nCredit (the amount of Your unused Credit Limit). There may\nbe a delay in restoring Your available Credit until SunTrust\ndetermines whether a payment is likely to be returned for\ninsufficient funds or for some other reason.\nYour liability for unauthorized use of the Card \xe2\x80\x93 what to do/what\nhappens if Your Card is stolen.\nCredit Limits, Authorization, and Convenience Checks \xe2\x80\x93\nspending limits/transaction authorization.\nIndividual Liability \xe2\x80\x93 each Cardholder is individually and jointly\nliable for all Authorized Charges.\nTermination \xe2\x80\x93 You or SunTrust can terminate or suspend Your\nCredit at any time with/without cause.\nSharing of Information \xe2\x80\x93 how SunTrust safeguards your\ninformation/how-when SunTrust may disclose Your information to\nothers; refers to SunTrust\xe2\x80\x99s Privacy Statement.\nArbitration \xe2\x80\x93 the way in which You and SunTrust agree to resolve\nclaims; You have the right to opt out of arbitration as the agreed\nupon claims resolution method.\nBilling Dispute Rights \xe2\x80\x93 details Your rights if You dispute\ncharges/are not satisfied with good/services You procure from\nmerchants using Your Card/Account.\nDefined Terms \xe2\x80\x93 defines all essential terms used in the CA.\nSunTrust calculates Interest Charges using the Average Daily\nBalance (including new transactions) method. SunTrust also\nuses compounded interest in calculating Interest Charges.\nCompounded interest means that interest is added to the principal\nthat You owe and interest then applied each successive Billing\nPeriod on the outstanding Balance and new charges. [See the\nCard Mailer for disclosure of APRs, corresponding DPRs (Daily\nPeriodic Rate), Minimum Interest Charge, transaction fees, and\nOther Charges.]\nYour eligibility for Credit, initial and on-going Interest Rates, and\nother CA terms may vary based upon Your credit worthiness. You\nauthorize SunTrust to make or have made any credit, employment,\nand investigative inquiries about You that SunTrust deems\nappropriate about: (1) whether SunTrust will provide You with\na Card Account and if so at what rates/terms, (2) modifications\nto Your Card Account rates/terms while You maintain the\nAccount, or (3) collection of Credit under Your Account and other\npermissible purposes as the law allows.\n\nForeign Currency\nExchange Fee on\nNon-US Transactions:\n\n\xef\x82\xa7 SunTru\nPromo\nCharge\nThose\nthe Ba\ninforms\nGrace\n\n\xef\x82\xa7 All Pur\na foreig\nregulati\nof the\nAccoun\n\n\xef\x82\xa7 SunTru\nPurcha\n\xef\x82\xa7 Conver\ntransac\nStatem\nCredit\ndifferen\nof the\ntransac\n\n\x0cYou a monthly Statement (bill). You agree\ned Charges on the Statement. You have\ng in full the New Balance shown on each\ning in installments that at least equal the\nmum Payment shown on Your Statement.\npayment Due Date will be at least 25 days\nDate of Your Statement.\n\nCost on Purchases:\nSunTrust will charge the\nInterest Charge (unless\ninapplicable because\nof the Grace Period) on\nYour Purchases from the\ntransaction date.\n\nyment will include any amount past due or\nimit plus the greater of (1) $25.00, (2) 2% of\nor (3) 1% of the New Balance plus current\nand Other Charges. If the New Balance\n0, the Minimum Payment will be the New\nay more than the Minimum Payment, You\nMinimum Payment on subsequent Stateave fully paid what You owe. You must pay\nout restrictive terms, and in accordance with\nment Instructions.\nat least the Minimum Payment by the Due\nll charge a Late Payment fee, unless Your\nt from Late Payment fees. If You make a\nu will be in Default and You may be subject\nIf You are in Default for any reason, Sunthat the entire outstanding full Balance on\nmmediately paid.\n\n\xef\x82\xa7 Any Purchase Balance not paid by the Due Date on the\nStatement will incur an Interest Charge on the following\nmonth\xe2\x80\x99s Statement.\n\xef\x82\xa7 The cost for Purchases (DPR Interest Charge, when\nit applies) is the Average Daily Balance on Purchases\nmultiplied by (1) the number of days in the Billing Period and\n(2) the applicable DPR.\n\xef\x82\xa7 You will have a Grace Period on any new Purchases that are\nreflected for the first time on Your current Statement if You pay\nYour New Balance on time each Billing Period. Those new\nPurchases will not be subject to an Interest Charge during the\nBilling Period reflected in the current Statement if You satisfy\nthe conditions for applicability of the Grace Period.\n\nCosts on Cash Advances:\nSunTrust will charge the\nInterest Charge on Your Cash\nAdvances from the date they\nare posted to Your Account.\n\nThe costs for Cash Advances consist of (1) interest computed\nat the applicable DPR on the Average Daily Balance (for Cash\nAdvances) and (2) Cash Advance transaction fees. The DPR\nInterest Charge is the Average Daily Balance on Cash Advances\nmultiplied by (1) the number of days in the Billing Period and (2)\nthe applicable DPR. Cash Advances do not have a Grace Period.\n\nMinimum Payments on Your Account will\nder SunTrust selects.\nallocate Your Minimum Payments to\nwith the lowest APR (Annual Percentage\nin excess of the Minimum Payment will\ned first to Balances with the highest APR\nportion to the other Balances in descending\neir APRs, unless SunTrust is required by\nse a different payment application method in\ndeferred interest or similar program.\nrmally applied to restore Your available\nt of Your unused Credit Limit). There may\noring Your available Credit until SunTrust\ner a payment is likely to be returned for\nr for some other reason.\n\nCost on Overdraft\nAdvances:\nSunTrust will charge the\nInterest Charge on Your\nOverdraft Advances from the\ndate they are posted to Your\nAccount.\n\nThe cost on Overdraft Advances (DPR Interest Charge) is the\nAverage Daily Balance on Overdraft Advances multiplied by (1)\nthe number of days in the Billing Period and (2) the applicable\nDPR. In accordance with its Rules and Regulations for Deposit\nAccounts, SunTrust will assess You its usual deposit account fee\nfor such service, separately, and as part of Your deposit Account\nfees. Overdraft Advances do not have a Grace Period.\n\nCosts on Balance\nTransfers:\nWhen SunTrust provides You\na Balance Transfer check or\nBalance Transfer request\nform or when You request a\nBalance Transfer, SunTrust\nwill charge the Interest\nCharge on Your Balance\nTransfer from the date it is\nposted to Your Account.\n\n\xef\x82\xa7 The costs for Balance Transfers consist of (1) interest\ncomputed at the applicable DPR on the Average Daily\nBalance (for Balance Transfers) and (2) Balance Transfer\ntransaction fees.\n\nthorized use of the Card \xe2\x80\x93 what to do/what\ns stolen.\norization, and Convenience Checks \xe2\x80\x93\ntion authorization.\neach Cardholder is individually and jointly\nd Charges.\nSunTrust can terminate or suspend Your\n/without cause.\ntion \xe2\x80\x93 how SunTrust safeguards your\nSunTrust may disclose Your information to\nust\xe2\x80\x99s Privacy Statement.\nn which You and SunTrust agree to resolve\nright to opt out of arbitration as the agreed\nmethod.\nhts \xe2\x80\x93 details Your rights if You dispute\nfied with good/services You procure from\nCard/Account.\nes all essential terms used in the CA.\n\nnterest Charges using the Average Daily\new transactions) method. SunTrust also\nnterest in calculating Interest Charges.\nmeans that interest is added to the principal\nerest then applied each successive Billing\nding Balance and new charges. [See the\nsure of APRs, corresponding DPRs (Daily\nmum Interest Charge, transaction fees, and\n\ndit, initial and on-going Interest Rates, and\nary based upon Your credit worthiness. You\nmake or have made any credit, employment,\nuiries about You that SunTrust deems\n) whether SunTrust will provide You with\nif so at what rates/terms, (2) modifications\nunt rates/terms while You maintain the\nion of Credit under Your Account and other\nas the law allows.\n\nForeign Currency\nExchange Fee on\nNon-US Transactions:\n\n\xef\x82\xa7 The DPR Interest Charge is the Average Daily Balance on\nBalance Transfers multiplied by (1) the number of days in the\nBilling Period and (2) the applicable DPR.\n\xef\x82\xa7 SunTrust may from time to time offer You Balance Transfer\nPromotional Offers with different Balance Transfer Interest\nCharges and transaction fees than the Card Mailer terms.\nThose different Interest Charges and fees will be disclosed in\nthe Balance Transfer Promotional Offer. Unless SunTrust\ninforms You otherwise, Balance Transfers do not have a\nGrace Period.\n\xef\x82\xa7 All Purchase and Cash Advance transactions processed in\na foreign currency will be converted to U.S. dollars under the\nregulations (which affect rate and actual date of the exchange)\nof the Card Association before being charged to Your\nAccount.\n\xef\x82\xa7 SunTrust will assess a foreign currency transaction fee for all\nPurchase transactions processed in a foreign currency.\n\xef\x82\xa7 Conversion may occur on a date other than the date of the\ntransaction or the date the transaction is posted to Your\nStatement, which may affect the conversion rate used. If a\nCredit transaction is processed and has a processing date\ndifferent than the original transaction, then the exchange rate\nof the Credit can be greater/less than that of the original\ntransaction.\n\nOther Charges:\n\nLate Paym\nPayment fe\nPayment b\nwill add a L\non the New\nStatement.\nAnnual Fee\non the Card\nPurchase B\nReturned P\nReturned P\nfee to Your\nor authorize\nTransfer, C\ndishonored\nYour paym\ninstitution.\nStop Paym\nto Your Pu\non any Con\nBalance Tr\nDocumenta\nsales drafts\nmore than\na fee to Yo\ncopy unless\nany fee if Y\nof a billing e\nPhone Pay\nvia phone p\nwill add the\nYour Purch\n\nMinimum Interest Charges:\n\nIf You incu\nInterest C\nInterest Ch\nYour State\n\nChanges\n\nSunTrust\nin accord\npossible\n\nType of change\n\nWhat ma\n\nInterest Rate increase on new\ncharges\n\nIn the fi\nRate en\nchanges\n\nInterest Rate increase on existing Balances\n\nPromotio\nRate cha\nis in a wo\n\nIncrease or decrease to Credit\nLimit\n\nAny reas\n\nSome fees and other terms\n\nCan cha\n\nSecured Card Account\nAgreement\nAGREEMENT TERMS\n\nFor each b\nhttps://ww\ning/CreditC\nand in the\n\nYour Card Account Agreement with SunTrus\nand/or sign the Card or You or an Authorized\nfrom SunTrust.\nCosts\n\nYou may use Your Card and Account to make\nBalance Transfers. Each type of charge will h\nseparate DPR and corresponding Interest Cha\n\nYou agree to pay SunTrust for all credit extend\nCharges and other fees and amounts prope\nAccount only for legal transactions. It is not S\nAccount for legal transactions, and You will rem\nor not. SunTrust may decline authorization fo\nliable if You engage in an illegal transaction.\n\n\x0clance not paid by the Due Date on the\nur an Interest Charge on the following\n.\n\nOther Charges:\n\nrchases (DPR Interest Charge, when\nAverage Daily Balance on Purchases\ne number of days in the Billing Period and\nPR.\nace Period on any new Purchases that are\ntime on Your current Statement if You pay\ne on time each Billing Period. Those new\nbe subject to an Interest Charge during the\ncted in the current Statement if You satisfy\npplicability of the Grace Period.\n\ndvances consist of (1) interest computed\non the Average Daily Balance (for Cash\nash Advance transaction fees. The DPR\nAverage Daily Balance on Cash Advances\nmber of days in the Billing Period and (2)\nash Advances do not have a Grace Period.\n\nAdvances (DPR Interest Charge) is the\ne on Overdraft Advances multiplied by (1)\nthe Billing Period and (2) the applicable\nwith its Rules and Regulations for Deposit\nll assess You its usual deposit account fee\nately, and as part of Your deposit Account\nnces do not have a Grace Period.\n\nlance Transfers consist of (1) interest\napplicable DPR on the Average Daily\nnce Transfers) and (2) Balance Transfer\n\nCharge is the Average Daily Balance on\nmultiplied by (1) the number of days in the\n(2) the applicable DPR.\nm time to time offer You Balance Transfer\ns with different Balance Transfer Interest\nsaction fees than the Card Mailer terms.\nerest Charges and fees will be disclosed in\nfer Promotional Offer. Unless SunTrust\nwise, Balance Transfers do not have a\n\nCash Advance transactions processed in\nwill be converted to U.S. dollars under the\naffect rate and actual date of the exchange)\nociation before being charged to Your\n\nss a foreign currency transaction fee for all\nons processed in a foreign currency.\n\nccur on a date other than the date of the\ndate the transaction is posted to Your\nmay affect the conversion rate used. If a\nis processed and has a processing date\nriginal transaction, then the exchange rate\nbe greater/less than that of the original\n\nMinimum Interest Charges:\n\nChanges\n\nLate Payment Fee. Unless Your Account is exempt from Late\nPayment fees, if SunTrust has not received at least the Minimum\nPayment by its Due Date as shown on a Statement, SunTrust\nwill add a Late Payment fee to Your Purchase Balance based\non the New Balance outstanding as of the Closing Date for the\nStatement.\nAnnual Fee. If Your Account has an annual fee, it will be shown\non the Card Mailer, and SunTrust will add the annual fee to Your\nPurchase Balance.\nReturned Payment Fee. Unless Your Account is exempt from\nReturned Payment fees, SunTrust will add a Returned Payment\nfee to Your Purchase Balance if (1) a payment that You make\nor authorize is returned to SunTrust unpaid; or (2) any Balance\nTransfer, Cash Advance, or Promotional Balance check is\ndishonored for any reason. This fee may be imposed even if\nYour payment is later re-presented to and paid by Your financial\ninstitution.\nStop Payment Fee. SunTrust will add a $39.00 stop payment fee\nto Your Purchase Balance if You ask SunTrust to stop payment\non any Convenience Check drawn on Your Account or on any\nBalance Transfer request.\nDocumentation Fee. SunTrust will provide copies of Statements,\nsales drafts, etc., to You upon request. If You request copies of\nmore than two items during a Billing Period, SunTrust will add\na fee to Your Purchase Balance up to $5.00 for each additional\ncopy unless prohibited by applicable law. SunTrust will not impose\nany fee if Your request is made in connection with written notice\nof a billing error.\nPhone Pay Fee. If SunTrust agrees to permit You to pay Your bill\nvia phone pay and applicable law allows, You agree that SunTrust\nwill add the phone pay fee disclosed at the time of Your request to\nYour Purchase Balance.\nIf You incur Interest Charges in any Billing Period, a minimum\nInterest Charge will post to Your Account (such minimum\nInterest Charge shown as the \xe2\x80\x9cMinimum Interest Charge\xe2\x80\x9d on\nYour Statement).\nSunTrust can change some of Your rates and other terms\nin accordance with applicable law. This table shows some\npossible changes.\n\nType of change\n\nWhat may trigger change\n\nAdvance\nchange\n\nInterest Rate increase on new\ncharges\n\nIn the first year, a Promotional\nRate ends or the Index Rate\nchanges; after that, any reason\n\nPromotional Rate ends\nor Index Rate changes,\nno notice; otherwise, 45\ndays\n\nInterest Rate increase on existing Balances\n\nPromotional period ends, Index\nRate changes, or Your Account\nis in a workout arrangement\n\nNo notice requirement or\nper terms of the workout\narrangement\n\nIncrease or decrease to Credit\nLimit\n\nAny reason\n\nNone\n\nSome fees and other terms\n\nCan change for any reason\n\nUp to 45 days for certain\nfees and Minimum Payment changes\n\nSecured Card Account\nAgreement\nAGREEMENT TERMS\n\nnotice\n\nof\n\nFor each bolded word or phrase, the definition is provided at\nhttps://www.suntrust.com/PersonalBanking/EverydayBanking/CreditCards\nand in the definitions section at the end of this Agreement.\n\nYour Card Account Agreement with SunTrust starts and You agree to these terms when You accept\nand/or sign the Card or You or an Authorized User use(s) the Card or Account, thus obtaining credit\nfrom SunTrust.\nCosts\nYou may use Your Card and Account to make Purchases, Cash Advances, Overdraft Advances and\nBalance Transfers. Each type of charge will have its own Balance. Each type of Balance may have a\nseparate DPR and corresponding Interest Charges.\nYou agree to pay SunTrust for all credit extended on Your Account, plus any Interest Charges, Other\nCharges and other fees and amounts properly charged to Your Account. You agree to use Your\nAccount only for legal transactions. It is not SunTrust\xe2\x80\x99s responsibility to make sure You only use Your\nAccount for legal transactions, and You will remain responsible to pay for any transactions whether legal\nor not. SunTrust may decline authorization for any Internet gambling transaction. SunTrust will not be\nliable if You engage in an illegal transaction.\n\nInterest Charges and\nTransaction Fees\n\nThe conditio\napply depen\nAdvance, O\nal Offer.\n\nSunTrust calculates Interest Charges using t\nmethod. SunTrust also uses compounded i\ninterest means that interest is added to the\nsuccessive Billing Period on the outstanding B\nInterest Charges that apply on Your Account\nInterest Charge for\nPurchases\n\nCost: Inter\nno. days in B\n\nAny Purchase Balance not paid by the Due D\nthe following month\xe2\x80\x99s Statement. The cost for P\nAverage Daily Balance on Purchases multipl\n(2) the applicable DPR.\n\nYou will have a Grace Period on any new Purc\nStatement if You pay Your New Balance on tim\nsubject to an Interest Charge during the Billing\nthe conditions for applicability of the Grace Per\n\nSunTrust will charge the Interest Charge (unl\nPurchases from the transaction date.\n\nThe DPR for Purchases (that are subject to Int\non changes in the Index Rate. The Card Maile\nor a Non-variable APR.\nInterest Charge and\nTransaction Fees for Cash\nAdvances\n\nCosts: Inte\nAdvances x\ntransaction\n\nThe costs for Cash Advances consist of (1) in\nDaily Balance (for Cash Advances) and (2) Ca\n\nThe DPR Interest Charge is the Average D\nnumber of days in the Billing Period and (2) th\ndisclosed in the Card Mailer.\n\nThe DPR for Cash Advances may or may not va\nCard Mailer discloses whether the Account is\n\nSunTrust will charge the Interest Charge on Yo\nAccount. Cash Advances do not have a Grac\nInterest Charge for\nOverdraft Advances\n\nCost: Inte\nAdvances x\n\nThe cost on Overdraft Advances (DPR Intere\nAdvances multiplied by (1) the number of day\naccordance with its Rules and Regulations for\ndeposit account fee for such service, separately\n\nThe DPR for Overdraft Advances may or ma\nRate. The Card Mailer discloses whether the A\n\nSunTrust will charge the Interest Charge on Yo\nYour Account. Overdraft Advances do not ha\nInterest Charge and\nTransaction Fees for\nBalance Transfers\n\nCosts: Int\nTransfers x\ntransaction\n\nThe costs for Balance Transfers consist of (1)\nDaily Balance (for Balance Transfers) and (2)\n\nThe DPR Interest Charge is the Average Da\nnumber of days in the Billing Period and (2)\nfee for a \xe2\x80\x98regular\xe2\x80\x99 Balance Transfer or \xe2\x80\x98Prom\nCard Mailer; provided, that SunTrust may from\nOffers with different Balance Transfer Intere\nterms. Those different Interest Charges and fe\nOffer. SunTrust will add the Balance Transfer\nunless SunTrust informs You when You make\nand Balance Transfer fee will be added to a\nAdvances).\n\nUnless SunTrust informs You otherwise, Bal\nSunTrust provides You a Balance Transfer\nrequest a Balance Transfer, SunTrust will cha\nthe date it is posted to Your Account.\n\nThe DPR for Balance Transfers (that are subje\n\n\x0cnless Your Account is exempt from Late\nust has not received at least the Minimum\nate as shown on a Statement, SunTrust\nnt fee to Your Purchase Balance based\nutstanding as of the Closing Date for the\n\nccount has an annual fee, it will be shown\nd SunTrust will add the annual fee to Your\n\ne. Unless Your Account is exempt from\ns, SunTrust will add a Returned Payment\nBalance if (1) a payment that You make\nd to SunTrust unpaid; or (2) any Balance\nnce, or Promotional Balance check is\nason. This fee may be imposed even if\ne-presented to and paid by Your financial\n\nunTrust will add a $39.00 stop payment fee\nance if You ask SunTrust to stop payment\nCheck drawn on Your Account or on any\nest.\nunTrust will provide copies of Statements,\nou upon request. If You request copies of\nuring a Billing Period, SunTrust will add\ne Balance up to $5.00 for each additional\nby applicable law. SunTrust will not impose\nis made in connection with written notice\n\nTrust agrees to permit You to pay Your bill\ncable law allows, You agree that SunTrust\nee disclosed at the time of Your request to\ne.\n\nharges in any Billing Period, a minimum\npost to Your Account (such minimum\nn as the \xe2\x80\x9cMinimum Interest Charge\xe2\x80\x9d on\n\ne some of Your rates and other terms\napplicable law. This table shows some\n\nhange\n\nAdvance\nchange\n\nPromotional\nIndex Rate\nany reason\n\nPromotional Rate ends\nor Index Rate changes,\nno notice; otherwise, 45\ndays\n\nends, Index\nour Account\ngement\n\nNo notice requirement or\nper terms of the workout\narrangement\n\neason\n\nnotice\n\nof\n\nNone\nUp to 45 days for certain\nfees and Minimum Payment changes\n\nor phrase, the definition is provided at\n.com/PersonalBanking/EverydayBank-\n\nsection at the end of this Agreement.\n\nYou agree to these terms when You accept\n) the Card or Account, thus obtaining credit\n\n, Cash Advances, Overdraft Advances and\nBalance. Each type of Balance may have a\n\nAccount, plus any Interest Charges, Other\nto Your Account. You agree to use Your\nesponsibility to make sure You only use Your\nsible to pay for any transactions whether legal\nt gambling transaction. SunTrust will not be\n\nInterest Charges and\nTransaction Fees\n\nThe conditions under which Interest Charges and transaction fees\napply depend upon whether the transaction is a Purchase, Cash\nAdvance, Overdraft Advance, Balance Transfer, or Promotional Offer.\n\nSunTrust calculates Interest Charges using the Average Daily Balance (including new transactions)\nmethod. SunTrust also uses compounded interest in calculating Interest Charges. Compounded\ninterest means that interest is added to the principal that You owe and interest then applied each\nsuccessive Billing Period on the outstanding Balance and new charges.\nInterest Charges that apply on Your Account are set forth in the Card Mailer.\nInterest Charge for\nPurchases\n\nCost: Interest Charge (Average Daily Balance for Purchases x\nno. days in Billing Period x DPR)\n\nAny Purchase Balance not paid by the Due Date on the Statement will incur an Interest Charge on\nthe following month\xe2\x80\x99s Statement. The cost for Purchases (DPR Interest Charge, when it applies) is the\nAverage Daily Balance on Purchases multiplied by (1) the number of days in the Billing Period and\n(2) the applicable DPR.\nYou will have a Grace Period on any new Purchases that are reflected for the first time on Your current\nStatement if You pay Your New Balance on time each Billing Period. Those new Purchases will not be\nsubject to an Interest Charge during the Billing Period reflected in the current Statement if You satisfy\nthe conditions for applicability of the Grace Period.\nSunTrust will charge the Interest Charge (unless inapplicable because of the Grace Period) on Your\nPurchases from the transaction date.\nThe DPR for Purchases (that are subject to Interest Charges) may or may not vary each month based\non changes in the Index Rate. The Card Mailer discloses whether the Account is subject to a Variable\nor a Non-variable APR.\nInterest Charge and\nTransaction Fees for Cash\nAdvances\n\nCosts: Interest Charge (Average Daily Balance for Cash\nAdvances x no. days in Billing Period x DPR) + Cash Advance\ntransaction fees.\n\nThe costs for Cash Advances consist of (1) interest computed at the applicable DPR on the Average\nDaily Balance (for Cash Advances) and (2) Cash Advance transaction fees.\nThe DPR Interest Charge is the Average Daily Balance on Cash Advances multiplied by (1) the\nnumber of days in the Billing Period and (2) the applicable DPR. The Cash Advance transaction fee is\ndisclosed in the Card Mailer.\nThe DPR for Cash Advances may or may not vary each month based on changes in the Index Rate. The\nCard Mailer discloses whether the Account is subject to a Variable or a Non-variable APR.\nSunTrust will charge the Interest Charge on Your Cash Advances from the date they are posted to Your\nAccount. Cash Advances do not have a Grace Period.\nInterest Charge for\nOverdraft Advances\n\nCost: Interest Charge (Average Daily Balance for Overdraft\nAdvances x no. days in Billing Period x DPR)\n\nThe cost on Overdraft Advances (DPR Interest Charge) is the Average Daily Balance on Overdraft\nAdvances multiplied by (1) the number of days in the Billing Period and (2) the applicable DPR. In\naccordance with its Rules and Regulations for Deposit Accounts, SunTrust will assess You its usual\ndeposit account fee for such service, separately, and as part of Your deposit account fees.\nThe DPR for Overdraft Advances may or may not vary each month based on changes in the Index\nRate. The Card Mailer discloses whether the Account is subject to a Variable or a Non-variable APR.\nSunTrust will charge the Interest Charge on Your Overdraft Advances from the date they are posted to\nYour Account. Overdraft Advances do not have a Grace Period.\nInterest Charge and\nTransaction Fees for\nBalance Transfers\n\nCosts: Interest Charge (Average Daily Balance for Balance\nTransfers x no. days in Billing Period x DPR) + Balance Transfer\ntransaction fees.\n\nThe costs for Balance Transfers consist of (1) interest computed at the applicable DPR on the Average\nDaily Balance (for Balance Transfers) and (2) Balance Transfer transaction fees.\nThe DPR Interest Charge is the Average Daily Balance on Balance Transfers multiplied by (1) the\nnumber of days in the Billing Period and (2) the applicable DPR. The Balance Transfer transaction\nfee for a \xe2\x80\x98regular\xe2\x80\x99 Balance Transfer or \xe2\x80\x98Promotional Balance\xe2\x80\x99 Balance Transfer is disclosed in the\nCard Mailer; provided, that SunTrust may from time to time offer You Balance Transfer Promotional\nOffers with different Balance Transfer Interest Charges and transaction fees than the Card Mailer\nterms. Those different Interest Charges and fees will be disclosed in the Balance Transfer Promotional\nOffer. SunTrust will add the Balance Transfer fee to the \xe2\x80\x98Balance Transfer\xe2\x80\x99 Balance of Your Account,\nunless SunTrust informs You when You make a Balance Transfer that the Balance Transfer amount\nand Balance Transfer fee will be added to another category of Balance (e.g., Purchases or Cash\nAdvances).\nUnless SunTrust informs You otherwise, Balance Transfers do not have a Grace Period. When\nSunTrust provides You a Balance Transfer check or Balance Transfer request form or when You\nrequest a Balance Transfer, SunTrust will charge the Interest Charge on Your Balance Transfer from\nthe date it is posted to Your Account.\nThe DPR for Balance Transfers (that are subject to Interest Charges) may or may not vary each month\n\nbased on changes in the Index Rate. The Car\nVariable or a Non-variable APR.\nInterest Charge for\nPromotional Balances\n\nCost: Intere\nBalances x\n\nSunTrust may from time to time offer You a\nTransfers through Promotional Offers. If You\nBalance will be subject to the terms of that sp\nPromotional Balance program, any new or diffe\n(such as the APR, effective dates and other spe\n\nThe DPR Interest Charge is the Average Daily\nnumber of days in the Billing Period and (2) the\n\nThe Promotional Rate will apply to those\nTermination Date. A Promotional Balance wil\nPromotional Rate.\n\nAfter the Termination Date, Your Promotional R\ndisclosed otherwise in the Promotional Offer.\nTriggering Event, SunTrust will change the DP\nBalances to the Purchase DPR and corresp\nrequired by applicable law.\n\nMinimum Interest Charge\n\nIf You incur Interest Charges in any Billing Perio\n(such minimum Interest Charge shown as the \xe2\x80\x9c\nincur Interest Charges in any Billing Period,\namount disclosed in the Card Mailer. SunTrust\nvarious Balances in the manner that SunTrust\n\nForeign Currency Exchange\n\nAll Purchase and Cash Advance transactions p\ndollars under the regulations of the Card Asso\nexchange rate that the Card Association uses to\neither from the range of rates available in the w\ndate (which rate may vary from the rate the\nmandated rate in effect on the applicable proces\n\nConversion may occur on a date other than the d\nto Your Statement, which may affect the conve\nhas a processing date different than the original\ngreater/less than that of the original transaction.\n\nSunTrust will assess a foreign currency trans\na foreign currency. The foreign currency trans\ncalculated after each Purchase transaction has\nOther Charges\n\nLate Payment Fee. Unless Your Account is\nreceived at least the Minimum Payment by i\nadd a Late Payment fee to Your Purchase B\nthe Closing Date for the Statement. The Lat\n\nAnnual Fee. If Your Account has an annual\nwill add the annual fee to Your Purchase Bal\nSunTrust will provide You with notice of that\nhow You may terminate Credit availability un\nIf You do not terminate the Account, the term\n\nReturned Payment Fee. Unless Your Accou\nwill add a Returned Payment fee to Your Pur\nthorize is returned to SunTrust unpaid (for exa\nTrust is returned for insufficient funds or is ret\nfor any reason); or (2) any Balance Transfe\ndishonored for any reason. This fee may be i\nand paid by Your financial institution. The Re\n\nStop Payment Fee. SunTrust will add a $3\nYou ask SunTrust to stop payment on any Co\nBalance Transfer request.\n\nDocumentation Fee. SunTrust will provide\ncopies of more than two Items during a Billin\nBalance up to $5.00 for each additional copy\nimpose any fee if Your request is made in con\n\nPhone Pay Fee. From time to time, You ma\npedited Account payment from a designated\nto Your Account as of the day of Your call (\nthe applicable cut-off time for payments). If S\nYou agree that SunTrust will add the phone\nPurchase Balance.\n\n\x0cich Interest Charges and transaction fees\nther the transaction is a Purchase, Cash\nvance, Balance Transfer, or Promotion-\n\nDaily Balance (including new transactions)\nalculating Interest Charges. Compounded\nt You owe and interest then applied each\nnew charges.\n\nin the Card Mailer.\n\n(Average Daily Balance for Purchases x\nod x DPR)\n\nStatement will incur an Interest Charge on\nDPR Interest Charge, when it applies) is the\ne number of days in the Billing Period and\n\nare reflected for the first time on Your current\nng Period. Those new Purchases will not be\nected in the current Statement if You satisfy\n\nable because of the Grace Period) on Your\n\nges) may or may not vary each month based\nwhether the Account is subject to a Variable\n\ne (Average Daily Balance for Cash\nBilling Period x DPR) + Cash Advance\n\nuted at the applicable DPR on the Average\ne transaction fees.\n\ne on Cash Advances multiplied by (1) the\nDPR. The Cash Advance transaction fee is\n\nnth based on changes in the Index Rate. The\nVariable or a Non-variable APR.\n\nvances from the date they are posted to Your\n\ne (Average Daily Balance for Overdraft\nBilling Period x DPR)\n\ns the Average Daily Balance on Overdraft\ning Period and (2) the applicable DPR. In\ncounts, SunTrust will assess You its usual\nt of Your deposit account fees.\n\neach month based on changes in the Index\nubject to a Variable or a Non-variable APR.\n\nft Advances from the date they are posted to\nPeriod.\n\nge (Average Daily Balance for Balance\nBilling Period x DPR) + Balance Transfer\n\nputed at the applicable DPR on the Average\nansfer transaction fees.\n\non Balance Transfers multiplied by (1) the\nle DPR. The Balance Transfer transaction\nance\xe2\x80\x99 Balance Transfer is disclosed in the\ne offer You Balance Transfer Promotional\nand transaction fees than the Card Mailer\nclosed in the Balance Transfer Promotional\nalance Transfer\xe2\x80\x99 Balance of Your Account,\nTransfer that the Balance Transfer amount\ngory of Balance (e.g., Purchases or Cash\n\nfers do not have a Grace Period. When\nalance Transfer request form or when You\nest Charge on Your Balance Transfer from\n\nt Charges) may or may not vary each month\n\nbased on changes in the Index Rate. The Card Mailer discloses whether the Account is subject to a\nVariable or a Non-variable APR.\nInterest Charge for\nPromotional Balances\n\nCost: Interest Charge (Average Daily Balance for Promotional\nBalances x no. days in Billing Period x Promotional Rate DPR)\n\nSunTrust may from time to time offer You a Promotional Rate on certain Purchases or Balance\nTransfers through Promotional Offers. If You accept a Promotional Offer, the resulting Promotional\nBalance will be subject to the terms of that specific Promotional Offer and this Agreement. In each\nPromotional Balance program, any new or different terms of the program not disclosed in this Agreement\n(such as the APR, effective dates and other special terms) will be detailed in the Promotional Offer.\nThe DPR Interest Charge is the Average Daily Balance on Promotional Balances multiplied by (1) the\nnumber of days in the Billing Period and (2) the applicable DPR.\nThe Promotional Rate will apply to those Promotional Balances until the Promotional Offer\nTermination Date. A Promotional Balance will not, after the Termination Date, be eligible for another\nPromotional Rate.\nAfter the Termination Date, Your Promotional Rate will change to Your regular Purchases DPR, unless\ndisclosed otherwise in the Promotional Offer. If the reason for the Termination Date is a Delinquency\nTriggering Event, SunTrust will change the DPR that applies to Your new and outstanding Promotional\nBalances to the Purchase DPR and corresponding APR, after SunTrust provides You any notice\nrequired by applicable law.\n\nMinimum Interest Charge\nIf You incur Interest Charges in any Billing Period, a minimum Interest Charge will post to Your Account\n(such minimum Interest Charge shown as the \xe2\x80\x9cMinimum Interest Charge\xe2\x80\x9d on Your Statement). If You\nincur Interest Charges in any Billing Period, the Minimum Interest Charge will be no less than the\namount disclosed in the Card Mailer. SunTrust may allocate the Minimum Interest Charge among Your\nvarious Balances in the manner that SunTrust elects as permitted by applicable law.\n\nForeign Currency Exchange Fee for Non-US Transactions\nAll Purchase and Cash Advance transactions processed in a foreign currency will be converted to U.S.\ndollars under the regulations of the Card Association before being charged to Your Account. (The\nexchange rate that the Card Association uses to convert currency is a rate the Card Association selects\neither from the range of rates available in the wholesale currency markets for the applicable processing\ndate (which rate may vary from the rate the Card Association itself receives) or the governmentmandated rate in effect on the applicable processing date.)\nConversion may occur on a date other than the date of the transaction or the date the transaction is posted\nto Your Statement, which may affect the conversion rate used. If a Credit transaction is processed and\nhas a processing date different than the original transaction, then the exchange rate of the Credit can be\ngreater/less than that of the original transaction.\nSunTrust will assess a foreign currency transaction fee for all Purchase transactions processed in\na foreign currency. The foreign currency transaction fee is disclosed in the Card Mailer and will be\ncalculated after each Purchase transaction has been converted from a foreign currency.\nOther Charges\nLate Payment Fee. Unless Your Account is exempt from Late Payment fees, if SunTrust has not\nreceived at least the Minimum Payment by its Due Date as shown on a Statement, SunTrust will\nadd a Late Payment fee to Your Purchase Balance based on the New Balance outstanding as of\nthe Closing Date for the Statement. The Late Payment fee is stated on the Card Mailer.\nAnnual Fee. If Your Account has an annual fee, it will be shown on the Card Mailer, and SunTrust\nwill add the annual fee to Your Purchase Balance. If an annual fee is applicable to Your Account,\nSunTrust will provide You with notice of that annual fee in the manner required by law and explain\nhow You may terminate Credit availability under the Account to avoid paying any such annual fee.\nIf You do not terminate the Account, the terms disclosed will continue to apply.\nReturned Payment Fee. Unless Your Account is exempt from Returned Payment fees, SunTrust\nwill add a Returned Payment fee to Your Purchase Balance if (1) a payment that You make or authorize is returned to SunTrust unpaid (for example, if a check or an electronic funds transfer to SunTrust is returned for insufficient funds or is returned because it is not signed or cannot be processed\nfor any reason); or (2) any Balance Transfer, Cash Advance, or Promotional Balance check is\ndishonored for any reason. This fee may be imposed even if Your payment is later re-presented to\nand paid by Your financial institution. The Returned Payment fee is stated on the Card Mailer.\nStop Payment Fee. SunTrust will add a $39.00 stop payment fee to Your Purchase Balance if\nYou ask SunTrust to stop payment on any Convenience Check drawn on Your Account or on any\nBalance Transfer request.\nDocumentation Fee. SunTrust will provide copies of Items to You upon request. If You request\ncopies of more than two Items during a Billing Period, SunTrust will add a fee to Your Purchase\nBalance up to $5.00 for each additional copy unless prohibited by applicable law. SunTrust will not\nimpose any fee if Your request is made in connection with written notice of a billing error.\nPhone Pay Fee. From time to time, You may request that SunTrust assist You in making an expedited Account payment from a designated deposit account, so that the payment can be credited\nto Your Account as of the day of Your call (or on the following business day, for calls made after\nthe applicable cut-off time for payments). If SunTrust agrees to do so and applicable law allows,\nYou agree that SunTrust will add the phone pay fee disclosed at the time of Your request to Your\nPurchase Balance.\n\nOverdraft Protection\n\nIf You elect to link Your SunTrust eligible Con\nMarket Savings Account to this SunTrust Credit\nfunds will be transferred from Your Credit Card A\nAccount when checks, bill pay, or other debit tra\noverdrawn if those transactions are paid.\n\nTransfers will be made in $100 increments from\nThese transfers shall be considered a \xe2\x80\x9cCash Ad\nAccount Agreement. Fees and interest rates fo\nCard Account Agreement and may be higher th\nThere is no Grace Period for Cash Advance\nthe Cash Advance is posted to Your Credit C\nCard Account (i.e. Credit Limit or the available\noverdraft, we may make transfers to pay individu\nYour Credit Card Account. For example, if You\nor other debit item for $80.00 is presented for pay\nbe overdrawn, a transfer of $100 will be made fr\nand an overdraft protection Cash Advance of $\nadditional Overdraft Protection transfer fee to Yo\nas disclosed in the Personal Deposit Accounts F\n\nBe advised that we reserve the right to not initia\nitem(s) for non-sufficient funds. By way of examp\nor advance funds as a Cash Advance under the\nYour Credit Card Account Agreement; (ii) if\navailable Credit for a given transaction; (iii) if Y\ndue to fraud); (iv) if You fail to make a Credit C\nany Credit Card limit on Your Credit Card Acc\nfee for each debited item will be charged to the\nDeposit Accounts Fee Schedule.\n\nOverdraft protection is only available for active\ndeposit account to a Credit Card does not a\noverdraft protection will not cancel a Credit Card\n\nA Cash Advance transfer to the Protected Acc\nCredit Card. Canceling overdraft protection will\nCard Account will cancel the overdraft protectio\n\nPayments\n\nWhat You Pay, When, How, and what happe\n\nSunTrust will send Your Statement to the addre\nall Authorized Charges on the Statement. You\non each Statement or paying in installments th\nshown on Your Statement.\n\nIn either case, the payment Due Date will be a\nPayment will include any amount past due or ov\nof the New Balance, or (3) 1% of the New Balan\nThe Minimum Payment amount will either be\nBalance is less than $25.00, the Minimum Paym\nMinimum Payment, You still must make the Mi\nhave fully paid what You owe.\n\nYou must pay in U.S. dollars, without restrictive\nInstructions. You must contact SunTrust at le\nscheduled, if You want to stop payment on the a\n\nIf You do not pay at least the Minimum Payment\nfee, unless Your Account is exempt from Late P\nin Default and You may be subject to rate increa\nrequire that the entire full Balance on Your Acco\nSunTrust the entire full Balance due when requ\nProvision of this Agreement, You will be liable\nincluding reasonable attorneys\xe2\x80\x99 fees and expens\nlaw. Where required by state law SunTrust wi\nDefault in accordance with that law. SunTrust\xe2\x80\x99s\nor after You have exceeded Your Credit Limit\npayment of Your entire full Balance.\nHow SunTrust will apply payments\n\nYou agree that the Minimum Payments on You\nin accordance with applicable law. SunTrust\nstarting with the lowest APR. Payments in exce\nfirst to Balances with the highest APR and any\norder based on their APRs, unless SunTrust is\napplication method in connection with a deferr\napplied to restore Your available Credit (the amo\nin restoring Your available Credit until SunTrust\ninsufficient funds or for some other reason.\n\n\x0cscloses whether the Account is subject to a\n\n(Average Daily Balance for Promotional\nBilling Period x Promotional Rate DPR)\n\nal Rate on certain Purchases or Balance\nromotional Offer, the resulting Promotional\notional Offer and this Agreement. In each\nf the program not disclosed in this Agreement\nwill be detailed in the Promotional Offer.\n\nn Promotional Balances multiplied by (1) the\nDPR.\n\nal Balances until the Promotional Offer\nhe Termination Date, be eligible for another\n\nange to Your regular Purchases DPR, unless\nn for the Termination Date is a Delinquency\nes to Your new and outstanding Promotional\nR, after SunTrust provides You any notice\n\num Interest Charge will post to Your Account\nnterest Charge\xe2\x80\x9d on Your Statement). If You\num Interest Charge will be no less than the\ne the Minimum Interest Charge among Your\nrmitted by applicable law.\n\nr Non-US Transactions\n\nn a foreign currency will be converted to U.S.\nfore being charged to Your Account. (The\nrrency is a rate the Card Association selects\nrrency markets for the applicable processing\nciation itself receives) or the government-\n\nansaction or the date the transaction is posted\nsed. If a Credit transaction is processed and\nthen the exchange rate of the Credit can be\n\nfor all Purchase transactions processed in\ns disclosed in the Card Mailer and will be\nerted from a foreign currency.\n\nm Late Payment fees, if SunTrust has not\ne as shown on a Statement, SunTrust will\nsed on the New Balance outstanding as of\nfee is stated on the Card Mailer.\n\ne shown on the Card Mailer, and SunTrust\nannual fee is applicable to Your Account,\nin the manner required by law and explain\nount to avoid paying any such annual fee.\nwill continue to apply.\n\npt from Returned Payment fees, SunTrust\nance if (1) a payment that You make or auheck or an electronic funds transfer to Sunuse it is not signed or cannot be processed\nvance, or Promotional Balance check is\nen if Your payment is later re-presented to\nment fee is stated on the Card Mailer.\n\nayment fee to Your Purchase Balance if\nCheck drawn on Your Account or on any\n\ntems to You upon request. If You request\nSunTrust will add a fee to Your Purchase\nibited by applicable law. SunTrust will not\nh written notice of a billing error.\n\nhat SunTrust assist You in making an excount, so that the payment can be credited\nollowing business day, for calls made after\ngrees to do so and applicable law allows,\nclosed at the time of Your request to Your\n\nOverdraft Protection\nIf You elect to link Your SunTrust eligible Consumer Checking Account, Savings Account or Money\nMarket Savings Account to this SunTrust Credit Card for overdraft protection (the \xe2\x80\x9cProtected Account\xe2\x80\x9d),\nfunds will be transferred from Your Credit Card Account (the \xe2\x80\x9cProtector Account\xe2\x80\x9d) into Your Protected\nAccount when checks, bill pay, or other debit transactions would cause Your Protected Account to be\noverdrawn if those transactions are paid.\nTransfers will be made in $100 increments from the Protector Account to Your Protected Account.\nThese transfers shall be considered a \xe2\x80\x9cCash Advance\xe2\x80\x9d as that term is defined under Your Credit Card\nAccount Agreement. Fees and interest rates for Cash Advances are disclosed to clients in their Credit\nCard Account Agreement and may be higher than those associated with other Credit Card transactions.\nThere is no Grace Period for Cash Advances, meaning finance charges will accrue from the date\nthe Cash Advance is posted to Your Credit Card Account. If the available Credit on Your Credit\nCard Account (i.e. Credit Limit or the available Cash Advance limit) is insufficient to cover the entire\noverdraft, we may make transfers to pay individual debit Items up to the available accessible Credit on\nYour Credit Card Account. For example, if Your deposit account has a Balance of $10.00 and a check\nor other debit item for $80.00 is presented for payment, which if paid would cause Your deposit account to\nbe overdrawn, a transfer of $100 will be made from Your Credit Card Account to Your deposit account\nand an overdraft protection Cash Advance of $100 will post to this Account. We will also charge an\nadditional Overdraft Protection transfer fee to Your Protected Account for each day a transfer is made,\nas disclosed in the Personal Deposit Accounts Fee Schedule.\nBe advised that we reserve the right to not initiate transfers to cover overdrafts and to return the debit\nitem(s) for non-sufficient funds. By way of example only, we ordinarily will not initiate an overdraft transfer\nor advance funds as a Cash Advance under the following circumstances: (i) if You are in Default under\nYour Credit Card Account Agreement; (ii) if the Cash Advance would cause You to exceed the\navailable Credit for a given transaction; (iii) if Your Credit Card is in a closed or blocked status (e.g.\ndue to fraud); (iv) if You fail to make a Credit Card payment by its Due Date; and/or (v) if You exceed\nany Credit Card limit on Your Credit Card Account. In these instances, an overdraft or returned item\nfee for each debited item will be charged to the Protected Account, which is disclosed in the Personal\nDeposit Accounts Fee Schedule.\nOverdraft protection is only available for active Credit Card Accounts, but be advised that linking a\ndeposit account to a Credit Card does not automatically activate that Card. Conversely, canceling\noverdraft protection will not cancel a Credit Card.\nA Cash Advance transfer to the Protected Account due to overdraft protection will not activate Your\nCredit Card. Canceling overdraft protection will not close Your Credit Card. However, closing a Credit\nCard Account will cancel the overdraft protection service.\n\nPayments\nWhat You Pay, When, How, and what happens if You pay late\nSunTrust will send Your Statement to the address that the Bank has on file for You. You agree to pay\nall Authorized Charges on the Statement. You have the option of paying in full the New Balance shown\non each Statement or paying in installments that at least equal the amount of the Minimum Payment\nshown on Your Statement.\nIn either case, the payment Due Date will be at least 25 days after the Closing Date. The Minimum\nPayment will include any amount past due or over the Credit Limit plus the greater of (1) $25.00, (2) 2%\nof the New Balance, or (3) 1% of the New Balance plus current Interest Charges and Other Charges.\nThe Minimum Payment amount will either be rounded up or down to the nearest dollar. If the New\nBalance is less than $25.00, the Minimum Payment will be the New Balance. If You pay more than the\nMinimum Payment, You still must make the Minimum Payment on subsequent Statements until You\nhave fully paid what You owe.\nYou must pay in U.S. dollars, without restrictive terms, and in accordance with the Standard Payment\nInstructions. You must contact SunTrust at least 3 business days before an automated payment is\nscheduled, if You want to stop payment on the amount You think is wrong.\nIf You do not pay at least the Minimum Payment by the Due Date, SunTrust will charge a Late Payment\nfee, unless Your Account is exempt from Late Payment fees. If You make a Late Payment, You will be\nin Default and You may be subject to rate increases. If You are in Default for any reason, SunTrust can\nrequire that the entire full Balance on Your Account be immediately paid. If You do not immediately pay\nSunTrust the entire full Balance due when required, except as specifically addressed in the Arbitration\nProvision of this Agreement, You will be liable to SunTrust for collection costs that SunTrust incurs,\nincluding reasonable attorneys\xe2\x80\x99 fees and expenses of legal actions to the extent permitted by applicable\nlaw. Where required by state law SunTrust will provide You with notice and a right to remedy Your\nDefault in accordance with that law. SunTrust\xe2\x80\x99s acceptance of a payment after the payment Due Date\nor after You have exceeded Your Credit Limit does not waive SunTrust\xe2\x80\x99s right to require immediate\npayment of Your entire full Balance.\nHow SunTrust will apply payments\nYou agree that the Minimum Payments on Your Account will be applied in the order SunTrust selects\nin accordance with applicable law. SunTrust may allocate Your Minimum Payments to Balances\nstarting with the lowest APR. Payments in excess of the Minimum Payment will generally be applied\nfirst to Balances with the highest APR and any remaining portion to the other Balances in descending\norder based on their APRs, unless SunTrust is required by applicable law to use a different payment\napplication method in connection with a deferred interest or similar program. Payments are normally\napplied to restore Your available Credit (the amount of Your unused Credit Limit). There may be a delay\nin restoring Your available Credit until SunTrust determines whether a payment is likely to be returned for\ninsufficient funds or for some other reason.\n\nAmendment (Changes) and Assignment\n\nIMPORTANT NOTICE: In accordance with appli\nOther Charges, and other terms of this Agreem\nand the addition of new provisions, including no\nprovisions relating to SunTrust\xe2\x80\x99s enforcement ri\nwill send You notice in the manner and method\nand time required by law for the changes being m\nversion of the Agreement is available at https:\nCreditCards. Changes to this Agreement will be\nprovides an updated Agreement, except as othe\nprovides. You are bound by changes to this Agr\nuse of Your Account is not necessary for a ch\nreject a change in terms and pay off Your Acc\nand conditions as then in effect, as described i\nor suspend Your ability to use the Account if\napplicable law and as described in any change in\nAssignment Rights\n\nSunTrust has the right to Assign its rights und\nowe to SunTrust. SunTrust may Assign its rig\nThe rights and benefits of SunTrust under the\nto SunTrust\xe2\x80\x99s successors and assigns, includin\nthrough a merger with SunTrust. You do not ha\nAgreement or the Account.\nAdditional Information\n\nYour liability for unauthorized use of the Ca\n\nTo report a lost/stolen Card call: 1-800-477-9\nYou must notify the Bank promptly in the even\nnotification responsibility means that You should\npost to Your Account to confirm that unauthoriz\n\nYou may be liable for the unauthorized use of Y\nYou agree to cooperate with SunTrust and law\nuser. However, You will not be liable for unautho\nin writing of the loss, theft, or possible unauthoriz\neach occurrence of loss or theft or any lesser am\nthe Card Association. You may write to SunTru\nFL 32862-1569.\nOwnership of the Card\n\nYour Card and any Convenience Checks or oth\nYou are SunTrust\xe2\x80\x99s property and must be return\ndemand. At SunTrust\xe2\x80\x99s request You will destroy\nspecial checks, by cutting them in half and surren\nmailing them to SunTrust or dropping them off a\n\nCredit Limits, Authorization, and Convenie\n\nUnless Your Account type or SunTrust permi\nexceed the Credit Limit that SunTrust establis\nCredit Limit amount as part of Your next Mi\nCredit Limit at SunTrust\xe2\x80\x99s discretion, as perm\nfor decreases that affect Your Credit Limit or s\nthe Credit Limit of a joint Account. If You were\nwas less than 21 years of age when Your Accou\nyears of age when SunTrust considers raising th\nincrease the Credit Limit until all of You approve\nCredit Limit of the joint Account. SunTrust ma\nCredit Limit available for Cash Advances or B\nfor any transaction at any time. SunTrust is n\nregardless of SunTrust\xe2\x80\x99s reason. All transaction\nYour Account status, available Credit, credit hi\nof any Card transaction.\n\nSunTrust may reject and return unpaid any Co\nmust pay SunTrust for any Convenience Chec\nto reject and return the Convenience Check, un\nuse. SunTrust may refuse to issue Convenien\nuse of Convenience Checks already issued. Yo\npayment on an unpaid Convenience Check.\nprovide SunTrust the date, amount, name of p\nany information You provide is incorrect or if You\non Your request, SunTrust may not be able to\npaid, SunTrust will not be able to reverse the pa\n6 months. You must renew Your request befor\nthe stop payment request after the initial 6 mon\nSunTrust from any losses, expenses and cos\npreventing or failing to prevent payment.\n\n\x0cecking Account, Savings Account or Money\nerdraft protection (the \xe2\x80\x9cProtected Account\xe2\x80\x9d),\ne \xe2\x80\x9cProtector Account\xe2\x80\x9d) into Your Protected\nwould cause Your Protected Account to be\n\nctor Account to Your Protected Account.\nthat term is defined under Your Credit Card\nances are disclosed to clients in their Credit\nsociated with other Credit Card transactions.\nfinance charges will accrue from the date\nunt. If the available Credit on Your Credit\nvance limit) is insufficient to cover the entire\nms up to the available accessible Credit on\nccount has a Balance of $10.00 and a check\nh if paid would cause Your deposit account to\nredit Card Account to Your deposit account\nst to this Account. We will also charge an\ned Account for each day a transfer is made,\ne.\n\ns to cover overdrafts and to return the debit\nordinarily will not initiate an overdraft transfer\ncircumstances: (i) if You are in Default under\nAdvance would cause You to exceed the\nCard is in a closed or blocked status (e.g.\nnt by its Due Date; and/or (v) if You exceed\nese instances, an overdraft or returned item\nAccount, which is disclosed in the Personal\n\nrd Accounts, but be advised that linking a\ny activate that Card. Conversely, canceling\n\nto overdraft protection will not activate Your\nYour Credit Card. However, closing a Credit\n\npay late\n\nBank has on file for You. You agree to pay\nption of paying in full the New Balance shown\nequal the amount of the Minimum Payment\n\nays after the Closing Date. The Minimum\nit Limit plus the greater of (1) $25.00, (2) 2%\nrrent Interest Charges and Other Charges.\np or down to the nearest dollar. If the New\nthe New Balance. If You pay more than the\nyment on subsequent Statements until You\n\nin accordance with the Standard Payment\nness days before an automated payment is\nthink is wrong.\n\nDate, SunTrust will charge a Late Payment\nes. If You make a Late Payment, You will be\nare in Default for any reason, SunTrust can\nmediately paid. If You do not immediately pay\npt as specifically addressed in the Arbitration\nst for collection costs that SunTrust incurs,\nactions to the extent permitted by applicable\nYou with notice and a right to remedy Your\ne of a payment after the payment Due Date\nwaive SunTrust\xe2\x80\x99s right to require immediate\n\nwill be applied in the order SunTrust selects\nte Your Minimum Payments to Balances\nMinimum Payment will generally be applied\nportion to the other Balances in descending\nby applicable law to use a different payment\nor similar program. Payments are normally\nunused Credit Limit). There may be a delay\nwhether a payment is likely to be returned for\n\nAmendment (Changes) and Assignment\nIMPORTANT NOTICE: In accordance with applicable law, SunTrust may unilaterally change the APRs,\nOther Charges, and other terms of this Agreement at any time. This includes modifications, deletions\nand the addition of new provisions, including non-financial provisions (for example, SunTrust may add\nprovisions relating to SunTrust\xe2\x80\x99s enforcement rights or the resolution of claims and disputes). SunTrust\nwill send You notice in the manner and method (written communication or update to online Agreement)\nand time required by law for the changes being made to Your Account and/or this Agreement. The online\nversion of the Agreement is available at https://www.suntrust.com/PersonalBanking/EverydayBanking/\nCreditCards. Changes to this Agreement will be automatically effective on the date SunTrust specifies or\nprovides an updated Agreement, except as otherwise provided in any change in terms notice SunTrust\nprovides. You are bound by changes to this Agreement as of the date updates are published. However,\nuse of Your Account is not necessary for a change in terms to be effective. You will have the right to\nreject a change in terms and pay off Your Account in the same manner and under the same terms\nand conditions as then in effect, as described in any change in terms notice. SunTrust may terminate\nor suspend Your ability to use the Account if You reject certain changes, to the extent permitted by\napplicable law and as described in any change in terms notice that SunTrust provides.\nAssignment Rights\nSunTrust has the right to Assign its rights under this Agreement, the Account, and any amount You\nowe to SunTrust. SunTrust may Assign its rights without my consent and without prior notice to me.\nThe rights and benefits of SunTrust under the Agreement and Account shall automatically transfer\nto SunTrust\xe2\x80\x99s successors and assigns, including any entity that acquires SunTrust and/or is created\nthrough a merger with SunTrust. You do not have the right to assign or transfer Your rights under this\nAgreement or the Account.\nAdditional Information\nYour liability for unauthorized use of the Card\nTo report a lost/stolen Card call: 1-800-477-9702. State that You are reporting a lost/stolen Card.\nYou must notify the Bank promptly in the event of loss, theft, or unauthorized use of Your Card. This\nnotification responsibility means that You should regularly check Your Statements to review charges that\npost to Your Account to confirm that unauthorized charges have not posted to Your Account.\nYou may be liable for the unauthorized use of Your Card. If unauthorized use of Your Account occurs,\nYou agree to cooperate with SunTrust and law enforcement authorities in identifying the unauthorized\nuser. However, You will not be liable for unauthorized use that occurs after You notify SunTrust orally or\nin writing of the loss, theft, or possible unauthorized use. In any case, Your liability will not exceed $50 for\neach occurrence of loss or theft or any lesser amount required by applicable law or the requirements of\nthe Card Association. You may write to SunTrust at: Cardholder Services, P.O. Box 621569, Orlando,\nFL 32862-1569.\nOwnership of the Card\nYour Card and any Convenience Checks or other Credit instrument or device that SunTrust provides to\nYou are SunTrust\xe2\x80\x99s property and must be returned to SunTrust or SunTrust\xe2\x80\x99s agent immediately upon\ndemand. At SunTrust\xe2\x80\x99s request You will destroy Your Card, other Credit instruments or devices and/or\nspecial checks, by cutting them in half and surrendering those items to SunTrust or SunTrust\xe2\x80\x99s agent by\nmailing them to SunTrust or dropping them off at SunTrust\xe2\x80\x99s office.\nCredit Limits, Authorization, and Convenience Checks\nUnless Your Account type or SunTrust permits You to exceed Your Credit Limit, You agree to not\nexceed the Credit Limit that SunTrust establishes for You, but if You do, You agree to pay the over\nCredit Limit amount as part of Your next Minimum Payment. SunTrust may raise or lower Your\nCredit Limit at SunTrust\xe2\x80\x99s discretion, as permitted by applicable law. SunTrust is not liable to You\nfor decreases that affect Your Credit Limit or spending limits. Each of You may request an increase to\nthe Credit Limit of a joint Account. If You were required to have a joint Account because one of You\nwas less than 21 years of age when Your Account was opened and that individual remains less than 21\nyears of age when SunTrust considers raising the Credit Limit of Your joint Account, SunTrust will not\nincrease the Credit Limit until all of You approve and assume in writing joint liability for an increase to the\nCredit Limit of the joint Account. SunTrust may establish separate limits that restrict the amount of the\nCredit Limit available for Cash Advances or Balance Transfers. SunTrust may decline authorization\nfor any transaction at any time. SunTrust is not liable for declining authorization for any transaction,\nregardless of SunTrust\xe2\x80\x99s reason. All transactions on Your Account are subject to approval based upon\nYour Account status, available Credit, credit history and other factors. You may not stop the payment\nof any Card transaction.\nSunTrust may reject and return unpaid any Convenience Check that You write for any reason. You\nmust pay SunTrust for any Convenience Check that SunTrust pays, even if SunTrust were permitted\nto reject and return the Convenience Check, unless the Convenience Check constitutes unauthorized\nuse. SunTrust may refuse to issue Convenience Checks or, upon notice to You, refuse to permit the\nuse of Convenience Checks already issued. You may call SunTrust at 1-800-477-9702 to place a stop\npayment on an unpaid Convenience Check. SunTrust will charge the stop payment fee. You must\nprovide SunTrust the date, amount, name of payee, and the number of the Convenience Check. If\nany information You provide is incorrect or if You do not afford SunTrust a reasonable opportunity to act\non Your request, SunTrust may not be able to stop payment. Once a Convenience Check has been\npaid, SunTrust will not be able to reverse the payment. Your stop payment request will remain valid for\n6 months. You must renew Your request before it expires if You want SunTrust to continue honoring\nthe stop payment request after the initial 6 month period. You agree to hold harmless and indemnify\nSunTrust from any losses, expenses and costs, including attorneys\xe2\x80\x99 fees incurred by SunTrust, for\npreventing or failing to prevent payment.\n\n\x0cIndividual Liability\nYou, as a Cardholder, are liable for all Credit obtained under Your Account(s), whether obtained by\nYou, another Cardholder or an Authorized User of the Account. If there is more than one Cardholder\non the Account, each of You is liable, jointly and severally, for all Credit obtained under the Account(s),\nregardless of which of You obtains that Credit or benefits from it.\nTermination\nEither You or SunTrust may terminate this Agreement or suspend Your Credit privileges under this\nAgreement at any time, with or without cause. You will not try to make any Purchases or Balance\nTransfers or try to obtain any Cash Advances or Overdraft Advances on Your Account after Your\nCredit privileges have been terminated or suspended. However, this Agreement will otherwise remain in\nfull force and effect until You pay all sums due SunTrust.\nApplicable Law\nApplicable Law. Except as expressly set forth in the Arbitration Provision of this Agreement, this\nAgreement and the interpretation and enforcement thereof (including but not limited to the exportation of\ninterest rates) will be governed by Federal law applicable to SunTrust and to the extent not preempted by\nFederal law, the laws of the State of Georgia without regard to its conflicts of law provisions and principles.\nIf there is any conflict between any of the terms and conditions of this Agreement and applicable Federal\nor State law, this Agreement will be considered changed to the extent necessary to comply with the\napplicable law. You agree that all terms of this Agreement are material to the determination of interest.\nSunTrust accepts this Agreement in its home state, Georgia.\nMilitary Lending Act\nThe Military Lending Act provides protections for certain members of the Armed Forces and their\ndependents (\xe2\x80\x9cCovered Borrowers\xe2\x80\x9d). The provisions of this section apply to Covered Borrowers under the\nMilitary Lending Act. If you would like more information about whether you are a Covered Borrower and\nwhether this section applies to you, please contact us at 1-800-848-8372. Statement of MAPR. Federal\nlaw provides important protections to members of the Armed Forces and their dependents relating to\nextensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces\nand his or her dependent may not exceed an Annual Percentage Rate of 36%. This rate must include,\nas applicable to the credit transaction or account: (1) the costs associated with credit insurance premiums;\n(2) fees for ancillary products sold in connection with the credit transaction; (3) any application fee charged\n(other than certain application fees for specified credit transactions or accounts); and (4) any participation\nfee charged (other than certain participation fees for a credit card account). Oral Disclosures. In order to\nhear important Military Lending Act disclosures and payment information provided in this Note, please call\n1-800-848-8372. Applicability of Jury Trial Waiver, Class Action Waiver, and Arbitration Provision. The Jury\nTrial Waiver, Class Action Waiver, and Arbitration Provision set forth in this Agreement do not apply to\nCovered Borrowers under the Military Lending Act.\nJury Trial Waiver\nUNLESS YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT AND TO\nTHE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED TO\nARBITRATION, YOU AND SUNTRUST HEREBY KNOWINGLY, VOLUNTARILY, INTENTIONALLY AND\nIRREVOCABLY WAIVE THE RIGHT TO A TRIAL BY JURY IN RESPECT TO ANY LITIGATION ARISING\nOUT OF THIS AGREEMENT, RELATING TO THE ACCOUNT, ANY CREDIT TRANSACTION, OR ANY\nOTHER DISPUTE OR CONTROVERSY BETWEEN YOU AND SUNTRUST OR ANY OF SUNTRUST\xe2\x80\x99S\nEMPLOYEES, OFFICERS, DIRECTORS, PARENTS, CONTROLLING PERSONS, SUBSIDIARIES,\nAFFILIATES, SUCCESSORS AND ASSIGNS.\nLitigation Class Action Waiver\nTO THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED TO\nARBITRATION, YOU AND SUNTRUST HEREBY AGREE THAT ANY LITIGATION ARISING OUT\nOF THIS AGREEMENT, RELATING TO THE ACCOUNT, ANY CREDIT TRANSACTION, OR ANY\nOTHER DISPUTE OR CONTROVERSY BETWEEN YOU AND SUNTRUST OR ANY OF SUNTRUST\xe2\x80\x99S\nEMPLOYEES, OFFICERS, DIRECTORS, PARENTS, CONTROLLING PERSONS, SUBSIDIARIES,\nAFFILIATES, SUCCESSORS AND ASSIGNS WILL PROCEED ON AN INDIVIDUAL BASIS AND\nWILL NOT PROCEED AS PART OF A CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY\nGENERAL ACTION OR OTHER REPRESENTATIVE ACTION AND YOU AND SUNTRUST HEREBY\nKNOWINGLY, VOLUNTARILY, INTENTIONALLY AND IRREVOCABLY WAIVE ANY RIGHT TO\nPROCEED IN A CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION OR\nOTHER REPRESENTATIVE ACTION OR TO SERVE AS A CLASS REPRESENTATIVE.\nOther Products and Services\nSunTrust will, at Your request, arrange for an overnight courier to deliver additional or replacement Cards\non an expedited basis. The charge assessed by the overnight courier will be added to Your Account\nBalance. From time to time, new products, optional services or enhancements (for example, insurance\nor Card registration) may be offered on Your Account. SunTrust is not liable for these features, services\nand enhancements, when they are the responsibility of a third party provider. You agree to hold SunTrust\nharmless from any claims, actions or damages resulting from Your use of any of these features, services\nor enhancements, when permitted by applicable law. SunTrust reserves the right to adjust, add, or delete\nbenefits and services at any time.\nCredit Inquiries\nYou authorize SunTrust to make or have made any credit, employment, and investigative inquiries that\nSunTrust deems appropriate related to the extension or collection of Credit under the Account. If You\ndispute credit information SunTrust is reporting about You, You may notify SunTrust at Cardholder\nServices, Attention: Dispute Department, P.O. Box 620548, Orlando, FL 32862-0548.\n\nConsumer Reporting Agencies (Credit Bu\n\nIt is standard banking industry practice and wit\ndata about customer loan repayment and t\ncreditors. SunTrust may report information ab\nmissed payments, or other Defaults on Your A\nSharing of Information\n\nSunTrust may, to the extent and in the mann\nabout SunTrust\xe2\x80\x99s experiences and transactio\naffiliates, and others who may properly receiv\nStatement for more details about how Sun\ninformation about You and Your Account. S\nCardholders establish a customer relations\nmaintain a customer relationship with SunTru\nan additional copy of SunTrust\xe2\x80\x99s Privacy State\nwritten request to SunTrust at Cardholder Se\nOrlando, FL 32862-1629.\nWaiver\n\nSunTrust\xe2\x80\x99s failure to exercise, or SunTrust\xe2\x80\x99s\nAgreement for any reason will not mean that S\nSeverability\n\nThe invalidity of any provision of the Agreeme\nEntire Agreement\n\nThis Agreement, as modified from time to ti\nterms that SunTrust will deliver to You (in wri\nat https://www.suntrust.com/PersonalBan\nentire Agreement between You and SunTrus\nbetween You and SunTrust concerning the s\nconvenience only and are to be disregarded w\nNew Jersey Residents\n\nAll provisions of this Agreement are valid, enfo\nIllegal Transaction\n\nAny financial service that SunTrust provides p\npermitted by law in accordance with this Agre\nwill be deemed an action of Default and/or bre\nfinancial service and/or other related services\npaying for a transaction, even if it is not permis\nright to sue SunTrust for such illegal use or a\nand hold SunTrust harmless from any suits or\nfrom such illegal use.\nEmergency Card Replacement and Cash\n\nYou and any Authorized User agree and auth\nAssociation, its members, or their respective\nReplacement and Emergency Cash Disbursem\nArbitration Provision\n\nREAD THIS PROVISION CAREFU\nIMPACT ON HOW DISPUTES AND C\nOTHER ARE RESOLVED.\n\nYOU HAVE THE RIGHT TO REJECT\nFORTH BELOW. If You do not rej\nsubject to arbitration, neither You n\nor a jury decide the Claim; (2) en\nto the same extent as in court; (3)\narbitration; or (4) join or consolida\nThe right to appeal is more limited i\ncourt may be unavailable or limited\n\nClaims Subject to Arbitration. A \xe2\x80\x9cC\ncontroversy between You and us (other\nbelow), whether preexisting, present or f\nthese rules and regulations, any transactio\nor these rules and regulations, or our rela\nand includes initial claims, counterclaims\nlocal and administrative claims. It includ\nrights, fraud and other intentional torts, c\nlaw and equity and includes claims for m\n\xe2\x80\x9cClaim\xe2\x80\x9d also includes disputes concerning\nautomatic dialing systems, artificial or p\nor facsimile machines and alleged violati\nother statutes or regulations involving tel\nwill be resolved by individual (not class o\nthe terms specified in this arbitration agr\n\n\x0cunder Your Account(s), whether obtained by\nAccount. If there is more than one Cardholder\n, for all Credit obtained under the Account(s),\nfrom it.\n\nor suspend Your Credit privileges under this\nnot try to make any Purchases or Balance\ndraft Advances on Your Account after Your\nwever, this Agreement will otherwise remain in\n\nArbitration Provision of this Agreement, this\nf (including but not limited to the exportation of\no SunTrust and to the extent not preempted by\nd to its conflicts of law provisions and principles.\nions of this Agreement and applicable Federal\nd to the extent necessary to comply with the\nnt are material to the determination of interest.\ngia.\n\nin members of the Armed Forces and their\nsection apply to Covered Borrowers under the\nbout whether you are a Covered Borrower and\n1-800-848-8372. Statement of MAPR. Federal\nmed Forces and their dependents relating to\nsumer credit to a member of the Armed Forces\ncentage Rate of 36%. This rate must include,\nsts associated with credit insurance premiums;\nedit transaction; (3) any application fee charged\nsactions or accounts); and (4) any participation\ndit card account). Oral Disclosures. In order to\nnt information provided in this Note, please call\ntion Waiver, and Arbitration Provision. The Jury\non set forth in this Agreement do not apply to\n\nER THE MILITARY LENDING ACT AND TO\nOR ANY MATTERS NOT SUBMITTED TO\nNGLY, VOLUNTARILY, INTENTIONALLY AND\nY IN RESPECT TO ANY LITIGATION ARISING\nUNT, ANY CREDIT TRANSACTION, OR ANY\nAND SUNTRUST OR ANY OF SUNTRUST\xe2\x80\x99S\nCONTROLLING PERSONS, SUBSIDIARIES,\n\nFOR ANY MATTERS NOT SUBMITTED TO\nEE THAT ANY LITIGATION ARISING OUT\nNT, ANY CREDIT TRANSACTION, OR ANY\nAND SUNTRUST OR ANY OF SUNTRUST\xe2\x80\x99S\nCONTROLLING PERSONS, SUBSIDIARIES,\nROCEED ON AN INDIVIDUAL BASIS AND\nCOLLECTIVE ACTION, PRIVATE ATTORNEY\nCTION AND YOU AND SUNTRUST HEREBY\nIRREVOCABLY WAIVE ANY RIGHT TO\nPRIVATE ATTORNEY GENERAL ACTION OR\nA CLASS REPRESENTATIVE.\n\nurier to deliver additional or replacement Cards\nrnight courier will be added to Your Account\nces or enhancements (for example, insurance\nnTrust is not liable for these features, services\nhird party provider. You agree to hold SunTrust\nom Your use of any of these features, services\nTrust reserves the right to adjust, add, or delete\n\nt, employment, and investigative inquiries that\ncollection of Credit under the Account. If You\nou, You may notify SunTrust at Cardholder\n548, Orlando, FL 32862-0548.\n\nConsumer Reporting Agencies (Credit Bureaus)\nIt is standard banking industry practice and within federal and state law for SunTrust routinely to provide\ndata about customer loan repayment and transactions to consumer reporting agencies and other\ncreditors. SunTrust may report information about Your Account(s) to credit bureaus. Late Payments,\nmissed payments, or other Defaults on Your Account(s) may be reflected in Your credit report.\nSharing of Information\nSunTrust may, to the extent and in the manner permitted by applicable law, communicate information\nabout SunTrust\xe2\x80\x99s experiences and transactions with You to consumer reporting agencies, SunTrust\xe2\x80\x99s\naffiliates, and others who may properly receive that information. You may refer to SunTrust\xe2\x80\x99s Privacy\nStatement for more details about how SunTrust collects, uses, retains, discloses, and safeguards\ninformation about You and Your Account. SunTrust\xe2\x80\x99s Privacy Statement is provided when consumer\nCardholders establish a customer relationship with SunTrust, once each year while Cardholders\nmaintain a customer relationship with SunTrust, and at other times required by law. You may request\nan additional copy of SunTrust\xe2\x80\x99s Privacy Statement by calling SunTrust at 1-800-477-9702 or sending a\nwritten request to SunTrust at Cardholder Services, Attention: Customer Service, P.O. Box 621629,\nOrlando, FL 32862-1629.\nWaiver\nSunTrust\xe2\x80\x99s failure to exercise, or SunTrust\xe2\x80\x99s delay in exercising, any of SunTrust\xe2\x80\x99s rights under the\nAgreement for any reason will not mean that SunTrust will be unable to exercise those rights later.\nSeverability\nThe invalidity of any provision of the Agreement will not affect the validity of any other provision.\nEntire Agreement\nThis Agreement, as modified from time to time in accordance with applicable law by any change in\nterms that SunTrust will deliver to You (in writing or via update to Agreement terms that are published\nat https://www.suntrust.com/PersonalBanking/EverydayBanking/CreditCards), constitutes the\nentire Agreement between You and SunTrust, and supersedes any prior negotiation or understanding\nbetween You and SunTrust concerning the subject matter of this Agreement. Section headings are for\nconvenience only and are to be disregarded when interpreting this Agreement.\nNew Jersey Residents\nAll provisions of this Agreement are valid, enforceable and applicable in New Jersey.\nIllegal Transaction\nAny financial service that SunTrust provides pursuant to this Agreement may be used for any transaction\npermitted by law in accordance with this Agreement. You agree that illegal use of any financial service\nwill be deemed an action of Default and/or breach of contract and that SunTrust may terminate any such\nfinancial service and/or other related services at SunTrust\xe2\x80\x99s discretion. You will remain responsible for\npaying for a transaction, even if it is not permissible. If any illegal use occurs, You also agree to waive any\nright to sue SunTrust for such illegal use or any activity directly or indirectly related to it and indemnify\nand hold SunTrust harmless from any suits or other legal action or liability, directly or indirectly, resulting\nfrom such illegal use.\nEmergency Card Replacement and Cash Disbursement\nYou and any Authorized User agree and authorize SunTrust to provide Your personal data to the Card\nAssociation, its members, or their respective contractors for the purpose of providing Emergency Card\nReplacement and Emergency Cash Disbursement benefits to You on Your Account.\nArbitration Provision\nREAD THIS PROVISION CAREFULLY AS IT WILL HAVE A SUBSTANTIAL\nIMPACT ON HOW DISPUTES AND CLAIMS YOU AND WE HAVE AGAINST EACH\nOTHER ARE RESOLVED.\nYOU HAVE THE RIGHT TO REJECT THIS ARBITRATION AGREEMENT AS SET\nFORTH BELOW. If You do not reject this arbitration agreement, for a Claim\nsubject to arbitration, neither You nor we will have the right to: (1) have a court\nor a jury decide the Claim; (2) engage in information-gathering (discovery)\nto the same extent as in court; (3) participate in a class action in court or in\narbitration; or (4) join or consolidate a Claim with claims of any other person.\nThe right to appeal is more limited in arbitration than in court and other rights in\ncourt may be unavailable or limited in arbitration.\nClaims Subject to Arbitration. A \xe2\x80\x9cClaim\xe2\x80\x9d subject to arbitration is any claim, dispute or\ncontroversy between You and us (other than an Excluded Claim or Proceeding as set forth\nbelow), whether preexisting, present or future, which arises out of or relates to the Account,\nthese rules and regulations, any transaction conducted with us in connection with the Account\nor these rules and regulations, or our relationship. \xe2\x80\x9cClaim\xe2\x80\x9d has the broadest possible meaning\nand includes initial claims, counterclaims, cross-claims, third- party claims and federal, state,\nlocal and administrative claims. It includes disputes based upon contract, tort, consumer\nrights, fraud and other intentional torts, constitution, statute, regulation, ordinance, common\nlaw and equity and includes claims for money damages and injunctive or declaratory relief.\n\xe2\x80\x9cClaim\xe2\x80\x9d also includes disputes concerning communications involving telephones, cell phones,\nautomatic dialing systems, artificial or prerecorded voice messages, text messages, emails\nor facsimile machines and alleged violations of the Telephone Consumer Protection Act and\nother statutes or regulations involving telemarketing. Upon the demand of You or us, Claim(s)\nwill be resolved by individual (not class or class-wide) binding arbitration in accordance with\nthe terms specified in this arbitration agreement.\n\nSpecial Definition of \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cUs\xe2\x80\x9d a\nagreement, the terms \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9co\nrules and regulations, also refer to Su\ncontrolling persons, subsidiaries, affiliates\napply to third parties if You assert a Claim\nYou assert against us.\n\nExcluded Claim or Proceeding. N\ninclude any dispute or controversy abou\nthis arbitration agreement or any part the\nWaiver set forth below, this sentence, and\nparagraph below); all such disputes or co\ndecide. However, any dispute or controv\nthe rules and regulations as a whole is fo\nthe following claims or proceedings will n\nindividual action brought by You or us in\nunless such action is transferred, removed\nof any self-help rights, including set-off a\nOffset and Security Interest,\xe2\x80\x9d or (3) any in\nto preventing the other party from usin\nrequest for damages or monetary relief o\nany such right, action or litigation shall n\nparties to compel arbitration regarding a\nthis arbitration agreement. Moreover, thi\nthat are the subject of (a) a class action fi\nof this arbitration agreement in which Yo\n(however, You and we will continue to\nagreement), or (b) a motion to compel ar\ndate of this arbitration agreement pursua\n(however, You and we will continue to\nagreement).\n\nFederal Arbitration Act. Notwithstan\nrules and regulations, the parties agree\ntransaction involving interstate commerce\nUnited States Code) (\xe2\x80\x9cFAA\xe2\x80\x9d) shall govern i\npursuant thereto. To the extent state law\ngoverning Your account relationship with\n\nArbitration Class Action Waiver. Not\nregulations, if either You or we elect to a\nright: (a) to participate in a class action, pri\naction in court or in arbitration, either as a\nor consolidate Claims with claims of any o\nconduct any arbitration in violation of this\nWaiver does not apply to any lawsuit or a\nor federal government agency even when\nborrowers including You. This means that\nany claim brought by such an agency).\n\nArbitration Procedures. If You or we\nnotify the other party in writing. This noti\ncan be given in papers filed in the lawsui\nBank Legal Department, Attn: General C\nPeachtree Street, N.E., 9th Floor, Atlanta,\nmost recent address for You in our files. An\nin a venue reasonably convenient to You.\nthat are subject to arbitration and the ot\nthe court which is granted, it will be the re\ncommence the arbitration proceeding wi\nthis arbitration agreement and the admi\nhave opted to litigate a Claim in court, Yo\nClaim made by a new party or any Claim\nunrelated lawsuit (including a Claim initia\nbe asserted on a class, representative or\nconstitute a waiver of any rights under th\n\nThe arbitration will be administered by JA\nwww.jamsadr.com, 1-800-352-5267. The r\nto JAMS at the address listed above or v\nto serve as administrator, the parties m\nare unable to agree, a court shall determ\nadministrator, without the consent of all\ninformal policy that is inconsistent with an\nagreement. The arbitration will proceed\nthe administrator\xe2\x80\x99s rules and procedure\narbitration including any expedited proced\nthis arbitration agreement shall control.\n\nA single arbitrator will be appointed by\notherwise, must be a practicing attorney\njudge. The arbitrator will not be bound\nwould apply in a court, nor by state or\nproceedings. The arbitrator will honor\nprivilege recognized under applicable law\nother relief, the arbitrator will follow the\n\n\x0cand state law for SunTrust routinely to provide\nto consumer reporting agencies and other\nccount(s) to credit bureaus. Late Payments,\nmay be reflected in Your credit report.\n\nd by applicable law, communicate information\nto consumer reporting agencies, SunTrust\xe2\x80\x99s\nmation. You may refer to SunTrust\xe2\x80\x99s Privacy\nts, uses, retains, discloses, and safeguards\nrivacy Statement is provided when consumer\nnTrust, once each year while Cardholders\nther times required by law. You may request\ning SunTrust at 1-800-477-9702 or sending a\nntion: Customer Service, P.O. Box 621629,\n\nxercising, any of SunTrust\xe2\x80\x99s rights under the\nl be unable to exercise those rights later.\n\nfect the validity of any other provision.\n\ndance with applicable law by any change in\npdate to Agreement terms that are published\ndayBanking/CreditCards), constitutes the\nrsedes any prior negotiation or understanding\nr of this Agreement. Section headings are for\nting this Agreement.\n\napplicable in New Jersey.\n\ns Agreement may be used for any transaction\nagree that illegal use of any financial service\nact and that SunTrust may terminate any such\nt\xe2\x80\x99s discretion. You will remain responsible for\nllegal use occurs, You also agree to waive any\nirectly or indirectly related to it and indemnify\naction or liability, directly or indirectly, resulting\n\nent\n\nust to provide Your personal data to the Card\nfor the purpose of providing Emergency Card\nto You on Your Account.\n\nIT WILL HAVE A SUBSTANTIAL\nOU AND WE HAVE AGAINST EACH\n\nRBITRATION AGREEMENT AS SET\narbitration agreement, for a Claim\nl have the right to: (1) have a court\ninformation-gathering (discovery)\nate in a class action in court or in\nm with claims of any other person.\nion than in court and other rights in\nation.\n\nct to arbitration is any claim, dispute or\ncluded Claim or Proceeding as set forth\nch arises out of or relates to the Account,\ned with us in connection with the Account\nClaim\xe2\x80\x9d has the broadest possible meaning\nms, third- party claims and federal, state,\nes based upon contract, tort, consumer\n, statute, regulation, ordinance, common\nages and injunctive or declaratory relief.\ncations involving telephones, cell phones,\nvoice messages, text messages, emails\nTelephone Consumer Protection Act and\n. Upon the demand of You or us, Claim(s)\ne) binding arbitration in accordance with\n\nSpecial Definition of \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cUs\xe2\x80\x9d and \xe2\x80\x9cOur.\xe2\x80\x9d Solely for purposes of this arbitration\nagreement, the terms \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour,\xe2\x80\x9d in addition to the meanings set forth in these\nrules and regulations, also refer to SunTrust\xe2\x80\x99s employees, officers, directors, parents,\ncontrolling persons, subsidiaries, affiliates, successors and assigns. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d also\napply to third parties if You assert a Claim against such third parties in connection with a Claim\nYou assert against us.\nExcluded Claim or Proceeding. Notwithstanding the foregoing, \xe2\x80\x9cClaim\xe2\x80\x9d does not\ninclude any dispute or controversy about the validity, enforceability, coverage or scope of\nthis arbitration agreement or any part thereof (including, without limitation, the Class Action\nWaiver set forth below, this sentence, and/or the last sentence of the Survival and Severability\nparagraph below); all such disputes or controversies are for a court and not an arbitrator to\ndecide. However, any dispute or controversy that concerns the validity or enforceability of\nthe rules and regulations as a whole is for the arbitrator, not a court, to decide. In addition,\nthe following claims or proceedings will not be subject to this arbitration agreement: (1) any\nindividual action brought by You or us in small claims court or Your state\xe2\x80\x99s equivalent court,\nunless such action is transferred, removed, or appealed to a different court; (2) the exercising\nof any self-help rights, including set-off as described in the paragraph below titled \xe2\x80\x9cRight of\nOffset and Security Interest,\xe2\x80\x9d or (3) any individual action in court by one party that is limited\nto preventing the other party from using a self- help remedy and that does not involve a\nrequest for damages or monetary relief of any kind. The institution and/or maintenance of\nany such right, action or litigation shall not constitute a waiver of the right of either of the\nparties to compel arbitration regarding any other dispute subject to arbitration pursuant to\nthis arbitration agreement. Moreover, this arbitration agreement will not apply to any Claims\nthat are the subject of (a) a class action filed in court that is pending as of the effective date\nof this arbitration agreement in which You are alleged to be a member of the putative class\n(however, You and we will continue to be bound by any prior version of this arbitration\nagreement), or (b) a motion to compel arbitration filed by us against You before the effective\ndate of this arbitration agreement pursuant to a prior version of this arbitration agreement\n(however, You and we will continue to be bound by any prior version of this arbitration\nagreement).\nFederal Arbitration Act. Notwithstanding any choice of law or other provision in these\nrules and regulations, the parties agree and acknowledge that this agreement evidences a\ntransaction involving interstate commerce and that the Federal Arbitration Act (Title 9 of the\nUnited States Code) (\xe2\x80\x9cFAA\xe2\x80\x9d) shall govern its interpretation and enforcement and proceedings\npursuant thereto. To the extent state law is applicable under the FAA, the law of the state\ngoverning Your account relationship with us shall apply.\nArbitration Class Action Waiver. Notwithstanding any other provision of these rules and\nregulations, if either You or we elect to arbitrate a Claim, neither You nor we will have the\nright: (a) to participate in a class action, private attorney general action or other representative\naction in court or in arbitration, either as a class representative or class member; or (b) to join\nor consolidate Claims with claims of any other persons. No arbitrator shall have authority to\nconduct any arbitration in violation of this provision. (Provided, however, that the Class Action\nWaiver does not apply to any lawsuit or administrative proceeding filed against us by a state\nor federal government agency even when such agency is seeking relief on behalf of a class of\nborrowers including You. This means that we will not have the right to compel arbitration of\nany claim brought by such an agency).\nArbitration Procedures. If You or we elect to arbitrate a Claim, the electing party must\nnotify the other party in writing. This notice can be given after the beginning of a lawsuit and\ncan be given in papers filed in the lawsuit. Otherwise, Your notice must be sent to SunTrust\nBank Legal Department, Attn: General Counsel- Arbitration Election, Mail Code 0643, 303\nPeachtree Street, N.E., 9th Floor, Atlanta, Georgia 30308, and our notice must be sent to the\nmost recent address for You in our files. Any arbitration hearing that You attend must take place\nin a venue reasonably convenient to You. If a party files a lawsuit in court asserting Claim(s)\nthat are subject to arbitration and the other party files a motion to compel arbitration with\nthe court which is granted, it will be the responsibility of the party prosecuting the Claim(s) to\ncommence the arbitration proceeding with an arbitration administrator in accordance with\nthis arbitration agreement and the administrator\xe2\x80\x99s rules and procedures. Even if all parties\nhave opted to litigate a Claim in court, You or we may elect arbitration with respect to any\nClaim made by a new party or any Claim later asserted by a party in that or any related or\nunrelated lawsuit (including a Claim initially asserted on an individual basis but modified to\nbe asserted on a class, representative or multi-party basis). Nothing in that litigation shall\nconstitute a waiver of any rights under this arbitration agreement.\nThe arbitration will be administered by JAMS, 1920 Main Street, Suite 300, Irvine, CA 92614,\nwww.jamsadr.com, 1-800-352-5267. The rules and forms of JAMS may be obtained by writing\nto JAMS at the address listed above or visiting their website. If JAMS is unable or unwilling\nto serve as administrator, the parties may agree upon another administrator or, if they\nare unable to agree, a court shall determine the administrator. No company may serve as\nadministrator, without the consent of all parties, if it adopts or has in place any formal or\ninformal policy that is inconsistent with and purports to override the terms of this arbitration\nagreement. The arbitration will proceed in accordance with this arbitration agreement and\nthe administrator\xe2\x80\x99s rules and procedures in effect at the time of commencement of the\narbitration including any expedited procedures but in the event of a conflict, the provisions of\nthis arbitration agreement shall control.\nA single arbitrator will be appointed by the administrator and, unless You and us agree\notherwise, must be a practicing attorney with ten or more years of experience or a retired\njudge. The arbitrator will not be bound by judicial rules of procedure and evidence that\nwould apply in a court, nor by state or local laws that relate to arbitration provisions or\nproceedings. The arbitrator will honor and enforce statutes of limitation and claims of\nprivilege recognized under applicable law. In determining liability or awarding damages or\nother relief, the arbitrator will follow the applicable substantive law, consistent with these\n\nrules and regulations and the FAA, that wo\nThe arbitrator may award any damages o\napplicable law to an individual action b\n$75,000 and at Your written request, we w\nby the administrator and arbitrator to You\nhave paid an amount equivalent to the fe\ncourt (whichever is less) in the judicial dis\nfiling fee for asserting the Claim(s) in court\nIn addition, the administrator may have a\ncharged to You by the administrator and a\nthat we are required to pay by law or the a\nfor this arbitration agreement to be enforc\nattorneys and expert witness fees and cos\nregulations, the administrator\xe2\x80\x99s rules or a\nreasonable attorneys\xe2\x80\x99 and expert witness\non Claim(s) You assert against us in an in\nthe extent required under applicable law\narbitrator shall write a brief explanation o\naward may be entered by any court having\n\nSurvival and Severability. This arbitr\nAccount and the termination of any relati\nthese rules and regulations. If any part of t\nunenforceable for any reason, the remaind\nto these rules and regulations acknowle\nessential to the arbitration of any disputes\narbitration agreement. If the Class Action\nas to any Claim(s), then the parties\xe2\x80\x99 arbitr\nnull and void with respect to such Claim(s\nor are later brought), subject to the right\nAction Waiver. The parties acknowledge a\naction be arbitrated; and (b) If a Claim is b\ndetermines that the restrictions in the pa\nin this agreement prohibiting the arbitrat\nare unenforceable with respect to such C\nall appeals have been exhausted), the Cl\nin court and any individual Claims seeking\nthe parties will request that the court st\narbitration award pertaining to individual\nClaim for public injunctive relief be arbitra\n\nEffect of Arbitration Award. The arb\nparties, except for any right of appeal pro\nClaim exceeds $150,000 or involves a req\nforeseeably involve a cost or benefit to eith\nthirty (30) days after the entry of the awa\narbitrator panel administered by the Ad\naspect of the initial award requested by t\nbe by majority vote. Reference in this arbi\npanel if an appeal of the arbitrator\xe2\x80\x99s decisi\nbe borne in accordance with the above p\ndecision of the appeal panel is subject to\narbitration award involving the parties wi\nin any dispute involving anyone who is no\naward in prior disputes involving other\nbetween the parties to this agreement.\n\nNotice and Cure; Special Payment. P\nClaim Notice describing the basis of Your Cl\nof the Claim, and a reasonable opportunity\nSuch a Claim Notice must be sent to us by\nBank Legal Department, Attn: General Cou\nStreet, N.E., 9th Floor, Atlanta, Georgia 30\ncan submit a Claim Notice. If (i) You subm\non Your own behalf (and not on behalf o\npromptly providing the information we rea\nthe relief You request; and (iv) the matte\nsubsequently determines that You were\nbe entitled to a minimum award of at le\nattorneys\xe2\x80\x99 fees and costs to which You wil\nClaims You have in a single Claim Notice a\nminimum award is a single award that ap\nasserted in the arbitration, and multiple a\n\nRight to Reject Arbitration Agreeme\ntherefore not be subject to being require\narbitration. To reject this arbitration agre\nwritten notice of Your decision so that we\nfive (45) days of the opening of Your Accou\nwish to reject the arbitration agreement\nYour name, address, Account name, Accou\nto the SunTrust Bank Legal Department, A\n0643, Atlanta, GA 30302-4418. This is th\nthis arbitration agreement and any attemp\nperson or through any other method or fo\n\n\x0c\xe2\x80\x9d Solely for purposes of this arbitration\ntion to the meanings set forth in these\nmployees, officers, directors, parents,\ns and assigns. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d also\nh third parties in connection with a Claim\n\nnding the foregoing, \xe2\x80\x9cClaim\xe2\x80\x9d does not\nity, enforceability, coverage or scope of\nding, without limitation, the Class Action\nsentence of the Survival and Severability\nare for a court and not an arbitrator to\noncerns the validity or enforceability of\nrator, not a court, to decide. In addition,\nect to this arbitration agreement: (1) any\nms court or Your state\xe2\x80\x99s equivalent court,\ned to a different court; (2) the exercising\nd in the paragraph below titled \xe2\x80\x9cRight of\ntion in court by one party that is limited\nelp remedy and that does not involve a\n. The institution and/or maintenance of\nte a waiver of the right of either of the\nspute subject to arbitration pursuant to\nn agreement will not apply to any Claims\nt that is pending as of the effective date\ned to be a member of the putative class\nby any prior version of this arbitration\ned by us against You before the effective\nor version of this arbitration agreement\nby any prior version of this arbitration\n\nhoice of law or other provision in these\nwledge that this agreement evidences a\nhe Federal Arbitration Act (Title 9 of the\nation and enforcement and proceedings\nble under the FAA, the law of the state\nply.\n\nng any other provision of these rules and\nClaim, neither You nor we will have the\ney general action or other representative\nesentative or class member; or (b) to join\nons. No arbitrator shall have authority to\n(Provided, however, that the Class Action\nve proceeding filed against us by a state\ncy is seeking relief on behalf of a class of\nt have the right to compel arbitration of\n\nbitrate a Claim, the electing party must\niven after the beginning of a lawsuit and\ne, Your notice must be sent to SunTrust\nbitration Election, Mail Code 0643, 303\n308, and our notice must be sent to the\nn hearing that You attend must take place\nfiles a lawsuit in court asserting Claim(s)\nfiles a motion to compel arbitration with\ny of the party prosecuting the Claim(s) to\nration administrator in accordance with\nrules and procedures. Even if all parties\nmay elect arbitration with respect to any\nrted by a party in that or any related or\nd on an individual basis but modified to\nty basis). Nothing in that litigation shall\non agreement.\n\nMain Street, Suite 300, Irvine, CA 92614,\norms of JAMS may be obtained by writing\nwebsite. If JAMS is unable or unwilling\nupon another administrator or, if they\ndministrator. No company may serve as\nit adopts or has in place any formal or\ns to override the terms of this arbitration\nnce with this arbitration agreement and\nat the time of commencement of the\nn the event of a conflict, the provisions of\n\nnistrator and, unless You and us agree\nor more years of experience or a retired\nrules of procedure and evidence that\nthat relate to arbitration provisions or\nce statutes of limitation and claims of\nmining liability or awarding damages or\ne substantive law, consistent with these\n\nrules and regulations and the FAA, that would apply if the matter had been brought in court.\nThe arbitrator may award any damages or other relief or remedies that would apply under\napplicable law to an individual action brought in court. For Claim(s) that total less than\n$75,000 and at Your written request, we will pay all filing, hearing and/or other fees charged\nby the administrator and arbitrator to You for Claim(s) asserted by You in arbitration after You\nhave paid an amount equivalent to the fee, if any, for filing such Claim(s) in state or federal\ncourt (whichever is less) in the judicial district in which You reside. If You have already paid a\nfiling fee for asserting the Claim(s) in court, You will not be required to pay that amount again.\nIn addition, the administrator may have a procedure whereby You can seek a waiver of fees\ncharged to You by the administrator and arbitrator. We will always pay any fees or expenses\nthat we are required to pay by law or the administrator\xe2\x80\x99s rules or that we are required to pay\nfor this arbitration agreement to be enforced. The arbitrator will have the authority to award\nattorneys and expert witness fees and costs to the extent permitted by either these rules and\nregulations, the administrator\xe2\x80\x99s rules or applicable law. The arbitrator shall award You Your\nreasonable attorneys\xe2\x80\x99 and expert witness fees and costs (a) if and to the extent You prevail\non Claim(s) You assert against us in an individual arbitration commenced by You, or (b) to\nthe extent required under applicable law for this arbitration agreement to be enforced. The\narbitrator shall write a brief explanation of the grounds for the decision. A judgment on the\naward may be entered by any court having jurisdiction.\nSurvival and Severability. This arbitration agreement shall survive the closing of Your\nAccount and the termination of any relationship between us, including the termination of\nthese rules and regulations. If any part of this arbitration agreement is deemed or found to be\nunenforceable for any reason, the remainder shall be enforceable, except that: (a) The parties\nto these rules and regulations acknowledge that the Class Action Waiver is material and\nessential to the arbitration of any disputes between the parties and is non severable from this\narbitration agreement. If the Class Action Waiver is limited, voided or found unenforceable\nas to any Claim(s), then the parties\xe2\x80\x99 arbitration agreement (except for this sentence) shall be\nnull and void with respect to such Claim(s) (but not as to any other Claim(s) that have been\nor are later brought), subject to the right to appeal the limitation or invalidation of the Class\nAction Waiver. The parties acknowledge and agree that under no circumstances will a class\naction be arbitrated; and (b) If a Claim is brought seeking public injunctive relief and a court\ndetermines that the restrictions in the paragraph titled \xe2\x80\x9cClass Action Waiver\xe2\x80\x9d or elsewhere\nin this agreement prohibiting the arbitrator from awarding relief on behalf of third parties\nare unenforceable with respect to such Claim (and that determination becomes final after\nall appeals have been exhausted), the Claim for public injunctive relief will be determined\nin court and any individual Claims seeking monetary relief will be arbitrated. In such a case\nthe parties will request that the court stay the Claim for public injunctive relief until the\narbitration award pertaining to individual relief has been entered in court. In no event will a\nClaim for public injunctive relief be arbitrated.\nEffect of Arbitration Award. The arbitrator\xe2\x80\x99s award shall be final and binding on all\nparties, except for any right of appeal provided by the FAA. However, if the amount of the\nClaim exceeds $150,000 or involves a request for injunctive or declaratory relief that could\nforeseeably involve a cost or benefit to either party exceeding $150,000, any party can, within\nthirty (30) days after the entry of the award by the arbitrator, appeal the award to a threearbitrator panel administered by the Administrator. The panel shall reconsider anew any\naspect of the initial award requested by the appealing party. The decision of the panel shall\nbe by majority vote. Reference in this arbitration provision to \xe2\x80\x9cthe arbitrator\xe2\x80\x9d shall mean the\npanel if an appeal of the arbitrator\xe2\x80\x99s decision has been taken. The costs of such an appeal will\nbe borne in accordance with the above paragraph titled \xe2\x80\x9cArbitration Procedures.\xe2\x80\x9d Any final\ndecision of the appeal panel is subject to judicial review only as provided under the FAA. No\narbitration award involving the parties will have any preclusive effect as to issues or claims\nin any dispute involving anyone who is not a party to the arbitration, nor will an arbitration\naward in prior disputes involving other parties have preclusive effect in an arbitration\nbetween the parties to this agreement.\nNotice and Cure; Special Payment. Prior to initiating a Claim, You may give us a written\nClaim Notice describing the basis of Your Claim and the amount You would accept in resolution\nof the Claim, and a reasonable opportunity, not less than thirty (30) days, to resolve the Claim.\nSuch a Claim Notice must be sent to us by certified mail, return receipt requested, at SunTrust\nBank Legal Department, Attn: General Counsel- Claim Notice, Mail Code 0643, 303 Peachtree\nStreet, N.E., 9th Floor, Atlanta, Georgia 30308. This is the sole and only method by which You\ncan submit a Claim Notice. If (i) You submit a Claim Notice in accordance with this Paragraph\non Your own behalf (and not on behalf of any other party); (ii) You cooperate with us by\npromptly providing the information we reasonably request; (iii) we refuse to provide You with\nthe relief You request; and (iv) the matter then proceeds to arbitration and the arbitrator\nsubsequently determines that You were entitled to such relief (or greater relief), You will\nbe entitled to a minimum award of at least $7,500 (not including any arbitration fees and\nattorneys\xe2\x80\x99 fees and costs to which You will also be entitled). We encourage You to address all\nClaims You have in a single Claim Notice and/or a single arbitration. Accordingly, this $7,500\nminimum award is a single award that applies to all Claims You have asserted or could have\nasserted in the arbitration, and multiple awards of $7,500 are not contemplated.\nRight to Reject Arbitration Agreement. You may reject this arbitration agreement and\ntherefore not be subject to being required to resolve any claim, dispute or controversy by\narbitration. To reject this arbitration agreement, You and only You personally, must send us\nwritten notice of Your decision so that we receive it at the address listed below within fortyfive (45) days of the opening of Your Account. Such notice must include a statement that You\nwish to reject the arbitration agreement section of these rules and regulations along with\nYour name, address, Account name, Account number and Your signature and must be mailed\nto the SunTrust Bank Legal Department, Attn: Arbitration Rejection, P.O. Box 4418, Mail Code\n0643, Atlanta, GA 30302-4418. This is the sole and only method by which You can reject\nthis arbitration agreement and any attempt to reject this arbitration agreement by any other\nperson or through any other method or form of notice, including the filing of a lawsuit, will be\n\nineffective. You agree that Your rejection o\nto any other person or entity or be deem\nby any person or entity other than You. No\neliminate the obligation of other person\nagreement to personally comply with the\nRejection of this arbitration agreement wil\nregulations and will not result in any adver\nthat our business records will be final and\nthis arbitration agreement in a timely an\nprovision will apply to You and us a\nproviding proper and timely notice a\nYour Billing Rights\n\nKeep this notice for future use. It informs Y\nunder the Fair Credit Billing Act.\n\nWhat to do if You find a mistake on Your S\n\n\xef\x82\xa7\n\xef\x82\xa7\n\xef\x82\xa7\n\xef\x82\xa7\n\nIf You think there is an error on Your St\n\xef\x83\xba SunTrust Bank\nCardholder Services, P.O. Box 620\nAttn: Dispute Department\nIn Your letter, give SunTrust the follow\n\xef\x83\xba Account information: Your name a\n\xef\x83\xba Dollar amount: The amount of the s\n\xef\x83\xba Description of problem: If You think\nbelieve is wrong and why You belie\nYou must contact SunTrust:\n\xef\x83\xba Within 60 days after the error appea\n\xef\x83\xba At least 3 business days before an\npayment on the amount You think i\nYou must notify SunTrust of any pote\nSunTrust is not required to investigate a\nin question unless You provide written n\n\nWhat will happen after SunTrust receives Y\n\n\xef\x82\xa7\n\xef\x82\xa7\n\n\xef\x82\xa7\n\n\xef\x82\xa7\n\n\xef\x82\xa7\n\nWhen SunTrust receives Your letter, S\n\xef\x83\xba Within 30 days of receiving Your le\nYour letter; SunTrust will also infor\n\xef\x83\xba Within 90 days after receiving Your\nto You why SunTrust believes the\nWhile SunTrust investigates whether o\n\xef\x83\xba SunTrust may not (1) attempt to\ndelinquent on that amount;\n\xef\x83\xba The charge in question may rema\ncharge You interest on that amount\n\xef\x83\xba While You do not have to pay the a\nof Your Balance; and\n\xef\x83\xba SunTrust may apply any unpaid am\nAfter SunTrust finishes the investigatio\n\xef\x83\xba If SunTrust made a mistake, You w\nor other fees related to that amount\n\xef\x83\xba If SunTrust does not believe ther\nquestion, along with applicable int\nthe amount You owe and the date\ndelinquent if You do not pay the am\nIf You receive SunTrust\xe2\x80\x99s explanation\nSunTrust within 10 days telling SunTr\ncannot report You as delinquent with\nSunTrust must tell You the name of a\nand SunTrust must let those organiza\nSunTrust and You.\nIf SunTrust does not follow all of the r\namount You question even if Your bill is\n\nYour rights If You are dissatisfied with a Pu\n\n\xef\x82\xa7\n\n\xef\x82\xa7\n\nIf You are dissatisfied with the goods o\nand You have tried in good faith to corre\nnot to pay the remaining amount due on\nbe true:\n\xef\x83\xba The Purchase must have been ma\nmailing address, and the purchase\nthese conditions applies if Your Pur\nto You, or if SunTrust owns the com\n\xef\x83\xba You must have used Your Card fo\nfrom an ATM or with a check that ac\n\xef\x83\xba You must not yet have fully paid for\nIf all of the criteria above are met an\nSunTrust in writing at:\n\xef\x83\xba SunTrust Bank\nCardholder Services, P.O. Box 620\nAttn: Dispute Department\n\n\x0cif the matter had been brought in court.\nief or remedies that would apply under\ncourt. For Claim(s) that total less than\nfiling, hearing and/or other fees charged\ns) asserted by You in arbitration after You\nor filing such Claim(s) in state or federal\nich You reside. If You have already paid a\not be required to pay that amount again.\ne whereby You can seek a waiver of fees\nWe will always pay any fees or expenses\ntor\xe2\x80\x99s rules or that we are required to pay\nrbitrator will have the authority to award\nxtent permitted by either these rules and\nlaw. The arbitrator shall award You Your\ncosts (a) if and to the extent You prevail\nrbitration commenced by You, or (b) to\nbitration agreement to be enforced. The\nnds for the decision. A judgment on the\non.\n\nement shall survive the closing of Your\netween us, including the termination of\ntion agreement is deemed or found to be\ne enforceable, except that: (a) The parties\nhe Class Action Waiver is material and\nhe parties and is non severable from this\nlimited, voided or found unenforceable\nement (except for this sentence) shall be\nas to any other Claim(s) that have been\nthe limitation or invalidation of the Class\nthat under no circumstances will a class\neking public injunctive relief and a court\ntled \xe2\x80\x9cClass Action Waiver\xe2\x80\x9d or elsewhere\nwarding relief on behalf of third parties\nthat determination becomes final after\nblic injunctive relief will be determined\ny relief will be arbitrated. In such a case\naim for public injunctive relief until the\nbeen entered in court. In no event will a\n\naward shall be final and binding on all\nthe FAA. However, if the amount of the\nnjunctive or declaratory relief that could\nxceeding $150,000, any party can, within\narbitrator, appeal the award to a threer. The panel shall reconsider anew any\nng party. The decision of the panel shall\novision to \xe2\x80\x9cthe arbitrator\xe2\x80\x9d shall mean the\nen taken. The costs of such an appeal will\ntitled \xe2\x80\x9cArbitration Procedures.\xe2\x80\x9d Any final\nview only as provided under the FAA. No\ny preclusive effect as to issues or claims\nto the arbitration, nor will an arbitration\nave preclusive effect in an arbitration\n\ntiating a Claim, You may give us a written\nhe amount You would accept in resolution\nhan thirty (30) days, to resolve the Claim.\nail, return receipt requested, at SunTrust\nm Notice, Mail Code 0643, 303 Peachtree\ns the sole and only method by which You\nNotice in accordance with this Paragraph\ner party); (ii) You cooperate with us by\nequest; (iii) we refuse to provide You with\noceeds to arbitration and the arbitrator\no such relief (or greater relief), You will\n(not including any arbitration fees and\nntitled). We encourage You to address all\nngle arbitration. Accordingly, this $7,500\nClaims You have asserted or could have\n7,500 are not contemplated.\n\nay reject this arbitration agreement and\nve any claim, dispute or controversy by\nu and only You personally, must send us\nat the address listed below within fortynotice must include a statement that You\nthese rules and regulations along with\nr and Your signature and must be mailed\nation Rejection, P.O. Box 4418, Mail Code\nd only method by which You can reject\nthis arbitration agreement by any other\nce, including the filing of a lawsuit, will be\n\nineffective. You agree that Your rejection of this arbitration agreement shall not be imputed\nto any other person or entity or be deemed to be a rejection of this arbitration agreement\nby any person or entity other than You. Nor shall Your rejection of this arbitration agreement\neliminate the obligation of other persons or entities who wish to reject this arbitration\nagreement to personally comply with the notice and time requirements of this paragraph.\nRejection of this arbitration agreement will not affect any remaining terms of these rules and\nregulations and will not result in any adverse consequence to You or Your Account. You agree\nthat our business records will be final and conclusive with respect to whether You rejected\nthis arbitration agreement in a timely and proper fashion. This arbitration agreement\nprovision will apply to You and us and to Your Account unless You reject it by\nproviding proper and timely notice as stated herein.\nYour Billing Rights\nKeep this notice for future use. It informs You about Your rights and SunTrust\xe2\x80\x99s responsibilities\nunder the Fair Credit Billing Act.\nWhat to do if You find a mistake on Your Statement\n\n\xef\x82\xa7\n\xef\x82\xa7\n\xef\x82\xa7\n\xef\x82\xa7\n\nIf You think there is an error on Your Statement, write SunTrust at:\n\xef\x83\xba SunTrust Bank\nCardholder Services, P.O. Box 620548, Orlando, FL 32862-0548\nAttn: Dispute Department\nIn Your letter, give SunTrust the following information:\n\xef\x83\xba Account information: Your name and Account number\n\xef\x83\xba Dollar amount: The amount of the suspected error\n\xef\x83\xba Description of problem: If You think there is an error on Your Statement, describe what You\nbelieve is wrong and why You believe it is a mistake.\nYou must contact SunTrust:\n\xef\x83\xba Within 60 days after the error appeared on Your statement.\n\xef\x83\xba At least 3 business days before an automated payment is scheduled, if You want to stop\npayment on the amount You think is wrong.\nYou must notify SunTrust of any potential errors in writing. You may also call SunTrust, but\nSunTrust is not required to investigate any potential errors and You may have to pay the amount\nin question unless You provide written notice of the suspected error.\n\nWhat will happen after SunTrust receives Your letter\n\n\xef\x82\xa7\n\xef\x82\xa7\n\n\xef\x82\xa7\n\n\xef\x82\xa7\n\n\xef\x82\xa7\n\nWhen SunTrust receives Your letter, SunTrust must do two things:\n\xef\x83\xba Within 30 days of receiving Your letter, SunTrust must inform You that SunTrust received\nYour letter; SunTrust will also inform You if SunTrust has already corrected the error.\n\xef\x83\xba Within 90 days after receiving Your letter, SunTrust must either correct the error or explain\nto You why SunTrust believes the bill is correct.\nWhile SunTrust investigates whether or not there has been an error:\n\xef\x83\xba SunTrust may not (1) attempt to collect the amount in question or (2) report You as\ndelinquent on that amount;\n\xef\x83\xba The charge in question may remain on Your Statement, and SunTrust may continue to\ncharge You interest on that amount;\n\xef\x83\xba While You do not have to pay the amount in question, You are responsible for the remainder\nof Your Balance; and\n\xef\x83\xba SunTrust may apply any unpaid amount against Your Credit Limit.\nAfter SunTrust finishes the investigation, one of two things will happen:\n\xef\x83\xba If SunTrust made a mistake, You will not have to pay the amount in question or any interest\nor other fees related to that amount; or\n\xef\x83\xba If SunTrust does not believe there was a mistake, You will have to pay the amount in\nquestion, along with applicable interest and fees; SunTrust will send You a statement of\nthe amount You owe and the date payment is due; and SunTrust may then report You as\ndelinquent if You do not pay the amount SunTrust states that You owe.\nIf You receive SunTrust\xe2\x80\x99s explanation but still believe Your bill is wrong, You must write to\nSunTrust within 10 days telling SunTrust that You still refuse to pay. If You do so, SunTrust\ncannot report You as delinquent without also reporting that You are questioning Your bill.\nSunTrust must tell You the name of anyone to whom SunTrust reported You as delinquent,\nand SunTrust must let those organizations know when the matter has been settled between\nSunTrust and You.\nIf SunTrust does not follow all of the rules above, You do not have to pay the first $50 of the\namount You question even if Your bill is correct.\n\nYour rights If You are dissatisfied with a Purchase\n\n\xef\x82\xa7\n\n\xef\x82\xa7\n\nIf You are dissatisfied with the goods or services that You Purchase with Your Card/Account,\nand You have tried in good faith to correct the problem with the merchant, You may have the right\nnot to pay the remaining amount due on the Purchase. To use this right, all of the following must\nbe true:\n\xef\x83\xba The Purchase must have been made in Your home state or within 100 miles of Your current\nmailing address, and the purchase price must have been more than $50. (Note: Neither of\nthese conditions applies if Your Purchase was based on an advertisement SunTrust mailed\nto You, or if SunTrust owns the company that sold You the goods or services.)\n\xef\x83\xba You must have used Your Card for the Purchase. Purchases made with cash advances\nfrom an ATM or with a check that accesses Your Account do not qualify.\n\xef\x83\xba You must not yet have fully paid for the Purchase.\nIf all of the criteria above are met and You are still dissatisfied with the purchase, contact\nSunTrust in writing at:\n\xef\x83\xba SunTrust Bank\nCardholder Services, P.O. Box 620548, Orlando, FL 32862-0548\nAttn: Dispute Department\n\nWhile SunTrust investigates, the same rules a\nSunTrust finishes the investigation, SunTrust w\nthinks You owe an amount and You do not pay,\nDefinitions\n\nAccount \xe2\x80\x93 The credit card Account(s) SunTrus\nand conditions of this Agreement.\n\nAgreement \xe2\x80\x93 Your Card Account Agreement wi\nthese terms and conditions, Your application or\nthat accompany delivery of Your Card (Card Ma\n\nAPR (Annual Percentage Rate) \xe2\x80\x93 The cost of\nto different Balances on Your Account, such as\nAdvances. SunTrust uses the applicable APR\nAccount. The Card Mailer discloses applicable\nor Non-Variable APR.\n\nNon-Variable APR \xe2\x80\x93 The DPR subject to th\nnot vary with changes in an Index Rate. The\nas of the date Your Account was opened.\n\nVariable APR \xe2\x80\x93The variable APR will be b\ndiscloses the APR for the Variable Rate.\nMinimum Payment.\n\nAssign \xe2\x80\x93 SunTrust Assigns Your Account and\nparty any or all of SunTrust\xe2\x80\x99s rights or obligatio\nowe SunTrust on the Account. If SunTrust Assig\nwill have SunTrust\xe2\x80\x99s rights under this Agreemen\n\nAuthorized Charges \xe2\x80\x93 Any Purchases, Balan\nPromotional Balances that You or any Authorize\nCharges owing on the Account.\n\nAuthorized User \xe2\x80\x93 Any person You authorize to\nnot such use exceeds the limit You authorized o\n\nAverage Daily Balance \xe2\x80\x93 To get the Average\n(including new transactions and deducting paym\nthe Billing Period; SunTrust adds together all th\nthen divides by the number of days in the Billing\n\nBalance \xe2\x80\x93 Every charge on the Account, includ\nfees that SunTrust assesses, falls into a specifi\nTransfers, Cash Advances, Overdraft Advances\nspecific transaction are assigned to the same\nforeign transaction fee on a Purchase is assigne\nto a given transaction with the Card (like a Retur\n\nBalance Transfer \xe2\x80\x93 Credit SunTrust extends\nany means (including telephone, Convenience\nprovides). SunTrust\xe2\x80\x99s policy is not to allow You\nwith SunTrust or SunTrust\xe2\x80\x99s respective affiliates.\ncredit card companies or financial institutions to\nYou request an amount that SunTrust does not a\nfor less than the amount that You requested or\nliable if SunTrust does not approve a requested\nrequests that are incomplete or illegible will not b\nTransfers in the order SunTrust selects. In orde\nbalances from other credit card companies or fi\nshould allow up to 8 weeks for Balance Trans\nthe other accounts and continue to pay the min\nstatements from those creditors showing that\nmay not happen until after the transactions ap\nsolely responsible for any late payments, ongoi\naccounts. If You want Your other accounts clos\ndoing so.\n\nBilling Period \xe2\x80\x93 The time interval between the\nPeriod may be less than one month. All Credit\neach Billing Period including the first Billing Peri\n\nCard \xe2\x80\x93 Your Card is/are the physical Card(s), th\nYou or an Authorized User can use to access Yo\n\nCard Association \xe2\x80\x93 the applicable credit card a\n(e.g., Visa\xc2\xae or MasterCard\xc2\xae).\n\nCardholder \xe2\x80\x93 The natural person to whom Su\nor a natural person who has agreed to pay ob\nor Account.\n\nCard Mailer \xe2\x80\x93 the mail that delivers Your Card a\nwith Your Card Account when SunTrust sends Y\n\nCash Advance \xe2\x80\x93 Credit SunTrust extends to Yo\noccurs when You: (1) obtain cash from an ATM (\n\n\x0ctration agreement shall not be imputed\na rejection of this arbitration agreement\nur rejection of this arbitration agreement\nties who wish to reject this arbitration\nnd time requirements of this paragraph.\nt any remaining terms of these rules and\nuence to You or Your Account. You agree\nve with respect to whether You rejected\nfashion. This arbitration agreement\nur Account unless You reject it by\nherein.\n\nYour rights and SunTrust\xe2\x80\x99s responsibilities\n\nwrite SunTrust at:\n\no, FL 32862-0548\n\nion:\nt number\nrror\nerror on Your Statement, describe what You\nstake.\n\nur statement.\nd payment is scheduled, if You want to stop\n\nin writing. You may also call SunTrust, but\nal errors and You may have to pay the amount\ne suspected error.\n\nust do two things:\nust must inform You that SunTrust received\nunTrust has already corrected the error.\nnTrust must either correct the error or explain\nct.\nhas been an error:\ne amount in question or (2) report You as\nStatement, and SunTrust may continue to\n\nestion, You are responsible for the remainder\n\nst Your Credit Limit.\no things will happen:\nto pay the amount in question or any interest\n\nmistake, You will have to pay the amount in\nees; SunTrust will send You a statement of\ndue; and SunTrust may then report You as\nrust states that You owe.\nelieve Your bill is wrong, You must write to\nu still refuse to pay. If You do so, SunTrust\neporting that You are questioning Your bill.\nwhom SunTrust reported You as delinquent,\nwhen the matter has been settled between\n\n, You do not have to pay the first $50 of the\n\nhat You Purchase with Your Card/Account,\nem with the merchant, You may have the right\nase. To use this right, all of the following must\n\nhome state or within 100 miles of Your current\nhave been more than $50. (Note: Neither of\nbased on an advertisement SunTrust mailed\nsold You the goods or services.)\nhase. Purchases made with cash advances\nur Account do not qualify.\nase.\nstill dissatisfied with the purchase, contact\n\no, FL 32862-0548\n\nWhile SunTrust investigates, the same rules apply to the disputed amount as discussed above. After\nSunTrust finishes the investigation, SunTrust will tell You SunTrust\xe2\x80\x99s decision. At that point, if SunTrust\nthinks You owe an amount and You do not pay, SunTrust may report You as delinquent.\nDefinitions\nAccount \xe2\x80\x93 The credit card Account(s) SunTrust approves for Your use that is/are subject to the terms\nand conditions of this Agreement.\nAgreement \xe2\x80\x93 Your Card Account Agreement with SunTrust for the Account, which contract is made up of\nthese terms and conditions, Your application or response to SunTrust\xe2\x80\x99s solicitation, and the documents\nthat accompany delivery of Your Card (Card Mailer).\nAPR (Annual Percentage Rate) \xe2\x80\x93 The cost of Your Credit as a yearly rate. Different APRs may apply\nto different Balances on Your Account, such as Your Balance on Purchases or Your Balance on Cash\nAdvances. SunTrust uses the applicable APR to calculate the Interest Charge that You owe on the\nAccount. The Card Mailer discloses applicable APRs and whether the Account is subject to a Variable\nor Non-Variable APR.\nNon-Variable APR \xe2\x80\x93 The DPR subject to the Non-Variable Rate will be based on an APR that does\nnot vary with changes in an Index Rate. The Card Mailer discloses the APR for the Non-Variable Rate\nas of the date Your Account was opened.\nVariable APR \xe2\x80\x93The variable APR will be based on the Index Rate plus a Margin. The Card Mailer\ndiscloses the APR for the Variable Rate. An increase in the Index Rate may result in a higher\nMinimum Payment.\nAssign \xe2\x80\x93 SunTrust Assigns Your Account and this Agreement if SunTrust sells or transfers to another\nparty any or all of SunTrust\xe2\x80\x99s rights or obligations under this Agreement, including any amount that You\nowe SunTrust on the Account. If SunTrust Assigns Your Account, the party who receives the assignment\nwill have SunTrust\xe2\x80\x99s rights under this Agreement, subject to the extent of the assignment.\nAuthorized Charges \xe2\x80\x93 Any Purchases, Balance Transfers, Cash Advances, Overdraft Advances, and\nPromotional Balances that You or any Authorized User makes on the Account and any fees and Interest\nCharges owing on the Account.\nAuthorized User \xe2\x80\x93 Any person You authorize to use the Card (whether Cardholder or not and whether or\nnot such use exceeds the limit You authorized or intended).\nAverage Daily Balance \xe2\x80\x93 To get the Average Daily Balance, SunTrust adds the outstanding Balance\n(including new transactions and deducting payments and credits) for each transaction type for each day in\nthe Billing Period; SunTrust adds together all the daily Balances for each separate transaction type, and\nthen divides by the number of days in the Billing Period.\nBalance \xe2\x80\x93 Every charge on the Account, including transactions that You make and Interest Charges and\nfees that SunTrust assesses, falls into a specific Balance, such as the Balance on Purchases, Balance\nTransfers, Cash Advances, Overdraft Advances, and Promotional Balances. Fees that are based on a\nspecific transaction are assigned to the same Balance as the applicable transaction. For example, a\nforeign transaction fee on a Purchase is assigned to the Balance on Purchases. Fees that are not specific\nto a given transaction with the Card (like a Returned Payment) are assigned to the Balance on Purchases.\nBalance Transfer \xe2\x80\x93 Credit SunTrust extends resulting from a Balance Transfer that You request by\nany means (including telephone, Convenience Check, or Balance Transfer request form that SunTrust\nprovides). SunTrust\xe2\x80\x99s policy is not to allow You to transfer any Balance You owe from any other account\nwith SunTrust or SunTrust\xe2\x80\x99s respective affiliates. SunTrust may permit You to transfer balances from other\ncredit card companies or financial institutions to Your Account up to the amount of Your Credit Limit. If\nYou request an amount that SunTrust does not approve, SunTrust may process a partial Balance Transfer\nfor less than the amount that You requested or SunTrust may decline the entire request. SunTrust is not\nliable if SunTrust does not approve a requested Balance Transfer (in whole or in part). Balance Transfer\nrequests that are incomplete or illegible will not be approved. SunTrust reserves the right to make Balance\nTransfers in the order SunTrust selects. In order to preserve Your dispute rights, You should not transfer\nbalances from other credit card companies or financial institutions if those balances are in dispute. You\nshould allow up to 8 weeks for Balance Transfers to be completed. You should continue to monitor\nthe other accounts and continue to pay the minimum payment due on those accounts until You receive\nstatements from those creditors showing that the balances have been paid in full. This confirmation\nmay not happen until after the transactions appear on the Statement SunTrust sends You. You are\nsolely responsible for any late payments, ongoing finance charges and disputed amounts on Your other\naccounts. If You want Your other accounts closed following a Balance Transfer, You are responsible for\ndoing so.\nBilling Period \xe2\x80\x93 The time interval between the dates of Your regular billing Statements. Your first Billing\nPeriod may be less than one month. All Credit terms, including Minimum Interest Charges, will apply in\neach Billing Period including the first Billing Period.\nCard \xe2\x80\x93 Your Card is/are the physical Card(s), the Account number, or any device (such as a check) that\nYou or an Authorized User can use to access Your Account.\nCard Association \xe2\x80\x93 the applicable credit card association through which Your Card Account is sponsored\n(e.g., Visa\xc2\xae or MasterCard\xc2\xae).\nCardholder \xe2\x80\x93 The natural person to whom SunTrust issues a Card at his/her request or application,\nor a natural person who has agreed to pay obligations arising from another person\xe2\x80\x99s use of the Card\nor Account.\nCard Mailer \xe2\x80\x93 the mail that delivers Your Card and includes Your Agreement and other terms associated\nwith Your Card Account when SunTrust sends Your Card to You.\nCash Advance \xe2\x80\x93 Credit SunTrust extends to You in the form of a loan from the Account. A Cash Advance\noccurs when You: (1) obtain cash from an ATM (automated teller machine), (2) obtain cash from any other\n\nsource, (3) make a wire transfer, (4) buy foreign\n(7) buy lottery tickets, or (8) buy gambling chips\n\nCash Advance Credit Limit \xe2\x80\x93 The maximum am\nand makes available to You on the Account for C\nestablishes may be less than the Credit Limit tha\nCredit Limit is stated on the Card Mailer.\n\nCash Equivalent Transactions \xe2\x80\x93 Transactions\nor MasterCard\xc2\xae identifies as a seller of travelers\nlottery tickets, funds used for wagers or gamblin\ntreated as Cash Advances on Your Account.\n\nClosing Date \xe2\x80\x93 The last day of a Billing Period.\nConvenience Check \xe2\x80\x93 A check that the Bank\nmake a Purchase or a Balance Transfer.\n\nCovered Provider \xe2\x80\x93 means any third party tha\nCredit if (and only if) You assert a Claim agains\nagainst SunTrust.\n\nCredit \xe2\x80\x93 means the credit extension You receive\n\nCredit Limit \xe2\x80\x93 Your Credit Limit will appear on e\n\nFor Accounts with Spending Limits: Th\nfrom time to time and makes available to Yo\n\nFor Accounts with no Pre-Set Spending L\nspending. Your Account will be assigned a re\nYour Credit Limit that is available for Balanc\nto Your assigned Cash Advance Credit Limi\nassigned Credit Limit. Each transaction Yo\nAccount history; (2) credit record; (3) absen\nand delinquency patterns. If You attempt to\nLimit, Your Account will be evaluated based\nAccount usage, performance and delinque\nand Your ability to pay. In certain circumsta\nto authorize a transaction. If You are autho\npay, as part of your Minimum Payment, the\nLimit. SunTrust encourages You to provide\nhigh transaction amounts, high velocity, or c\n\nDefault \xe2\x80\x93 Subject to applicable law and any righ\nimmediate payment of Your entire Account Balan\nthe Minimum Payment on or before the paymen\nor tries to exceed the Credit Limit without SunT\ncannot be processed, (4) SunTrust reasonably\nmaterially impaired (for example, if You becom\nan attachment or garnishment proceedings are\nSunTrust with false, misleading or fraudulent inf\nlegally declared incompetent or incapacitated, (7\n(8) You or an Authorized User makes illegal use\nan Authorized User continues to use an Accoun\n\nDelinquency Triggering Event \xe2\x80\x93 A Delinquenc\nPayment within 60 days of its payment Due Dat\n\nDPR (Daily Periodic Rate) \xe2\x80\x93 the daily periodic\nequal to the applicable APR divided by 365 (or\nthe Interest Charge as described in this Agreem\nDPRs will accrue daily and be calculated on th\nfor each Account feature (Purchases, Cash A\nPromotional Balances).\n\nDue Date \xe2\x80\x93 This is the date by which SunTrust\nYour Due Date will be stated on Your Statemen\nIt will be at least 21 days after the date SunTrus\nof Your most recently concluded Billing Period (\npayment on or before the Due Date and by the\nYour Statement, Your payment is timely if SunT\nprovided, however, that if You make a payment d\npayment will be credited to Your Account same d\nSunTrust\xe2\x80\x99s automated telephone service, with a\nsite will be subject to the 5:00 pm payment cut-o\n\nCrediting of Payments to Account: Payments\nat the mailing address shown on the front of Yo\nwill be credited to Your Account as of the date\np.m. Eastern Time will be credited as of the nex\npersonnel at a SunTrust branch after 5 p.m., as\nany other location than the address stated in Yo\nwith no payment coupon enclosed, or that does\npayment may be subject to a delay in crediting\nresult in additional Interest Charges, Other Charg\ninitiated through SunTrust\xe2\x80\x99s automated telephon\nsubject to the 5:00 pm payment cut-off time.\n\n\x0cdisputed amount as discussed above. After\nSunTrust\xe2\x80\x99s decision. At that point, if SunTrust\nmay report You as delinquent.\n\nfor Your use that is/are subject to the terms\n\nfor the Account, which contract is made up of\no SunTrust\xe2\x80\x99s solicitation, and the documents\n\nt as a yearly rate. Different APRs may apply\nnce on Purchases or Your Balance on Cash\nte the Interest Charge that You owe on the\nwhether the Account is subject to a Variable\n\nable Rate will be based on an APR that does\nr discloses the APR for the Non-Variable Rate\n\nIndex Rate plus a Margin. The Card Mailer\nse in the Index Rate may result in a higher\n\nment if SunTrust sells or transfers to another\nis Agreement, including any amount that You\ncount, the party who receives the assignment\nthe extent of the assignment.\n\ns, Cash Advances, Overdraft Advances, and\nkes on the Account and any fees and Interest\n\nrd (whether Cardholder or not and whether or\n\nnce, SunTrust adds the outstanding Balance\nedits) for each transaction type for each day in\nnces for each separate transaction type, and\n\nions that You make and Interest Charges and\nsuch as the Balance on Purchases, Balance\nmotional Balances. Fees that are based on a\nthe applicable transaction. For example, a\nance on Purchases. Fees that are not specific\nnt) are assigned to the Balance on Purchases.\n\nom a Balance Transfer that You request by\nBalance Transfer request form that SunTrust\nany Balance You owe from any other account\nmay permit You to transfer balances from other\nunt up to the amount of Your Credit Limit. If\nnTrust may process a partial Balance Transfer\nay decline the entire request. SunTrust is not\nansfer (in whole or in part). Balance Transfer\n. SunTrust reserves the right to make Balance\ne Your dispute rights, You should not transfer\nitutions if those balances are in dispute. You\ncompleted. You should continue to monitor\nment due on those accounts until You receive\nes have been paid in full. This confirmation\ne Statement SunTrust sends You. You are\ncharges and disputed amounts on Your other\ng a Balance Transfer, You are responsible for\n\nur regular billing Statements. Your first Billing\nding Minimum Interest Charges, will apply in\n\nnumber, or any device (such as a check) that\n\nhrough which Your Card Account is sponsored\n\nues a Card at his/her request or application,\nising from another person\xe2\x80\x99s use of the Card\n\ns Your Agreement and other terms associated\nYou.\n\nm of a loan from the Account. A Cash Advance\nteller machine), (2) obtain cash from any other\n\nsource, (3) make a wire transfer, (4) buy foreign currency, (5) buy traveler\xe2\x80\x99s checks, (6) buy money orders,\n(7) buy lottery tickets, or (8) buy gambling chips or wagers.\nCash Advance Credit Limit \xe2\x80\x93 The maximum amount of Credit that SunTrust establishes from time to time\nand makes available to You on the Account for Cash Advances. Any Cash Advance Credit Limit SunTrust\nestablishes may be less than the Credit Limit that otherwise applies to Your Account. The Cash Advance\nCredit Limit is stated on the Card Mailer.\nCash Equivalent Transactions \xe2\x80\x93 Transactions performed using a merchant or service provider that Visa\xc2\xae\nor MasterCard\xc2\xae identifies as a seller of travelers checks, foreign currency, money orders, wire transfers,\nlottery tickets, funds used for wagers or gambling, or similar products or services. These transactions are\ntreated as Cash Advances on Your Account.\nClosing Date \xe2\x80\x93 The last day of a Billing Period.\nConvenience Check \xe2\x80\x93 A check that the Bank provides which You may use to access Your Account to\nmake a Purchase or a Balance Transfer.\nCovered Provider \xe2\x80\x93 means any third party that provides any product or service in connection with the\nCredit if (and only if) You assert a Claim against such third party in connection with a Claim You assert\nagainst SunTrust.\nCredit \xe2\x80\x93 means the credit extension You receive under this Agreement.\nCredit Limit \xe2\x80\x93 Your Credit Limit will appear on each monthly Statement.\nFor Accounts with Spending Limits: The maximum amount of Credit that SunTrust establishes\nfrom time to time and makes available to You on the Account.\nFor Accounts with no Pre-Set Spending Limits: No pre-set spending limit does not mean unlimited\nspending. Your Account will be assigned a revolving Credit Limit. SunTrust may restrict the amount of\nYour Credit Limit that is available for Balance Transfers. For Cash Advances, You may only spend up\nto Your assigned Cash Advance Credit Limit. For Purchases, You may be authorized to exceed Your\nassigned Credit Limit. Each transaction You make is authorized based on factors such as (1) Your\nAccount history; (2) credit record; (3) absence or presence of suspected fraud; and (4) performance\nand delinquency patterns. If You attempt to make a Purchase transaction that exceeds your Credit\nLimit, Your Account will be evaluated based upon the length of time Your Account has been open and\nAccount usage, performance and delinquency patterns with SunTrust or with Your other creditors,\nand Your ability to pay. In certain circumstances, SunTrust may ask for additional financial records\nto authorize a transaction. If You are authorized to exceed Your Credit Limit, You will be required to\npay, as part of your Minimum Payment, the amount by which Your New Balance exceeds Your Credit\nLimit. SunTrust encourages You to provide us with notice of forthcoming unusual activity, such as,\nhigh transaction amounts, high velocity, or changes in geographic patterns.\nDefault \xe2\x80\x93 Subject to applicable law and any right that You may have under that law, SunTrust may require\nimmediate payment of Your entire Account Balance and You will be in Default if (1) You do not make at least\nthe Minimum Payment on or before the payment Due Date, (2) a Cardholder or Authorized User exceeds\nor tries to exceed the Credit Limit without SunTrust\xe2\x80\x99s permission, (3) A payment You make is rejected or\ncannot be processed, (4) SunTrust reasonably believes that a Cardholder\xe2\x80\x99s ability to pay SunTrust is\nmaterially impaired (for example, if You become subject to bankruptcy or insolvency proceedings or if\nan attachment or garnishment proceedings are instituted against You or Your property), (5) You provide\nSunTrust with false, misleading or fraudulent information or a false signature, (6) a Cardholder dies or is\nlegally declared incompetent or incapacitated, (7) You fail to comply with any provision of this Agreement,\n(8) You or an Authorized User makes illegal use of any financial service under the Account or (9) You or\nan Authorized User continues to use an Account or Card that has been closed.\nDelinquency Triggering Event \xe2\x80\x93 A Delinquency Triggering Event occurs if You fail to make a Minimum\nPayment within 60 days of its payment Due Date.\n\nGrace Period \xe2\x80\x93 The time period during which Y\nstated in the Card Mailer, the Grace Period is at\nAgreement defines the kinds of transactions that\nTransaction Fees Section). If a particular transa\na Grace Period for that transaction. The Grace\neach Billing Period. You will lose the Grace Per\nPeriod. To regain Your Grace Period after You lo\nPeriod. If You lose Your Grace Period for transa\nwill owe interest on any unpaid Balance. Interes\nof the Billing Period for which You failed to pay\nmake after You lose Your Grace Period, You will\nYou regain the Grace Period for transactions of\n\nIndex Rate \xe2\x80\x93 The rate used for making variabl\nPrime Rate as quoted in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d sec\n28th day (or if the 28th day is not a business da\nmonth. If The Wall Street Journal (Eastern Ed\nany of these dates, then the Index Rate will be d\nPrime Rate for such date. If the Prime Rate is n\nnotify You as required by applicable law. Index\ncommences on or after the first day of the next s\nexample, if a new Index Rate is published on Jun\nof the Billing Period that commences July 1 or a\nAPR, which may increase Your Minimum Payme\n\nInterest Charge \xe2\x80\x93 The cost of Your Credit on t\napplying Your DPR to the Average Daily Balance\n\nItems \xe2\x80\x93 Statements, sales drafts and/or paymen\n\nJoint Ownership Considerations \xe2\x80\x93 If a deposi\nowner of BOTH the deposit Account AND the\nenroll in overdraft protection without the consen\nany owner of either the deposit Account OR\nwithout the consent of other owners. If a jointly o\n(i) all deposit Account holders will be responsible\nperson writes a check or initiates a transaction th\nand (ii) all deposit Account holders authorize u\neach owner of Protector Account, such as type\nthe right to cancel, suspend, or change the ter\nany time, for any reason.\nLate Payment \xe2\x80\x93 A payment that You make that\n\nMargin \xe2\x80\x93 The rate added to the Index Rate to d\n\nMinimum Payment \xe2\x80\x93 The Minimum Payment d\n\nNew Balance \xe2\x80\x93 The entire Balance of Purc\nTransfers and any Promotional Balances outs\naccrued Interest Charges and Other Charges as\n\nOther Charges \xe2\x80\x93 Charges to Your Account as d\nincluding fees for: Late Payments*, Annual Fee,\nand Phone Payments*. *SunTrust will consider\nin good standing if circumstances warrant such\nmitigating factors.\n\nDPR (Daily Periodic Rate) \xe2\x80\x93 the daily periodic rate is calculated from the applicable APR. The DPR is\nequal to the applicable APR divided by 365 (or 366 in a leap year). SunTrust may use DPR to calculate\nthe Interest Charge as described in this Agreement. Interest Charges resulting from the application of\nDPRs will accrue daily and be calculated on the Average Daily Balances (including new transactions)\nfor each Account feature (Purchases, Cash Advances, Balance Transfers, Overdraft Advances, and\nPromotional Balances).\n\nOverdraft Advance \xe2\x80\x93 Credit SunTrust extends\noverdraft on a deposit account that You designa\nprotection program to receive this form of Credit\n\nDue Date \xe2\x80\x93 This is the date by which SunTrust must receive Your payment in order for it to be on time.\nYour Due Date will be stated on Your Statement. It will occur on the same calendar day of each month.\nIt will be at least 21 days after the date SunTrust mails Your Statement and at least 25 days after the end\nof Your most recently concluded Billing Period (Closing Date). To be timely, SunTrust must receive Your\npayment on or before the Due Date and by the time stated on Your Statement. If no time is stated on\nYour Statement, Your payment is timely if SunTrust receives it by 5 p.m. Eastern Time on the Due Date;\nprovided, however, that if You make a payment directly to SunTrust personnel at a SunTrust branch, Your\npayment will be credited to Your Account same day as the day of the payment. Payments initiated through\nSunTrust\xe2\x80\x99s automated telephone service, with a customer service representative, or via SunTrust\xe2\x80\x99s web\nsite will be subject to the 5:00 pm payment cut-off time.\n\nPromotional Rate \xe2\x80\x93 The DPR applied to Promo\n\nCrediting of Payments to Account: Payments that SunTrust receives prior to 5:00 p.m. Eastern Time\nat the mailing address shown on the front of Your Statement and in the Standard Payment Instructions\nwill be credited to Your Account as of the date of receipt. Payments that SunTrust receives after 5:00\np.m. Eastern Time will be credited as of the next day, unless You make the payment directly to SunTrust\npersonnel at a SunTrust branch after 5 p.m., as stated above. If SunTrust accepts a payment received at\nany other location than the address stated in Your Statement and in the Standard Payment Instructions,\nwith no payment coupon enclosed, or that does not conform to the Standard Payment Instructions, that\npayment may be subject to a delay in crediting of up to 5 days after the date of receipt. This delay may\nresult in additional Interest Charges, Other Charges, and possible suspension of Your Account. Payments\ninitiated through SunTrust\xe2\x80\x99s automated telephone service (if available) or via SunTrust\xe2\x80\x99s web site will be\nsubject to the 5:00 pm payment cut-off time.\n\nPromotional Balance \xe2\x80\x93 Credit SunTrust exten\nBalance Transfer transaction, subject to discoun\nfor Purchases. Your use of a Promotional Offer\n\nProtected Account \xe2\x80\x93 An eligible SunTrust Co\nMarket Savings Account linked to this SunTrust\n\nProtector Account \xe2\x80\x93 Your SunTrust Consumer\n\nPurchase \xe2\x80\x93 Credit SunTrust extends to You w\nAccount to purchase goods, labor, insurance or s\nor Account for the purpose of completing a Purc\ninstrument that SunTrust provides for You to ma\n\nReturned Payment \xe2\x80\x93 A payment that You ma\nhave a Returned Payment, SunTrust will assess\nSunTrust resubmits a Returned Payment and Y\nwill still assess a Returned Payment fee because\nas unpaid. If Your financial institution returns a\nthan one Returned Payment fee. If You make a\ninstitution does not honor it, SunTrust will asses\n\nSavings Account \xe2\x80\x93 the Savings Account (called\nmaintain and pledged (via security interest) to S\n\n\x0cbuy traveler\xe2\x80\x99s checks, (6) buy money orders,\n\ndit that SunTrust establishes from time to time\nes. Any Cash Advance Credit Limit SunTrust\napplies to Your Account. The Cash Advance\n\nsing a merchant or service provider that Visa\xc2\xae\nreign currency, money orders, wire transfers,\nproducts or services. These transactions are\n\nhich You may use to access Your Account to\n\nny product or service in connection with the\nparty in connection with a Claim You assert\n\nAgreement.\n\ny Statement.\n\namount of Credit that SunTrust establishes\ncount.\n\nre-set spending limit does not mean unlimited\ndit Limit. SunTrust may restrict the amount of\nFor Cash Advances, You may only spend up\nases, You may be authorized to exceed Your\nuthorized based on factors such as (1) Your\nnce of suspected fraud; and (4) performance\nrchase transaction that exceeds your Credit\nngth of time Your Account has been open and\ns with SunTrust or with Your other creditors,\nrust may ask for additional financial records\need Your Credit Limit, You will be required to\nwhich Your New Balance exceeds Your Credit\nice of forthcoming unusual activity, such as,\neographic patterns.\n\nay have under that law, SunTrust may require\nwill be in Default if (1) You do not make at least\n(2) a Cardholder or Authorized User exceeds\nssion, (3) A payment You make is rejected or\nat a Cardholder\xe2\x80\x99s ability to pay SunTrust is\nbankruptcy or insolvency proceedings or if\ngainst You or Your property), (5) You provide\na false signature, (6) a Cardholder dies or is\ncomply with any provision of this Agreement,\nncial service under the Account or (9) You or\nat has been closed.\nEvent occurs if You fail to make a Minimum\n\nGrace Period \xe2\x80\x93 The time period during which You may avoid paying interest on certain transactions. As\nstated in the Card Mailer, the Grace Period is at least 25 days after the close of each Billing Period. This\nAgreement defines the kinds of transactions that are subject to a Grace Period (See Interest Charges and\nTransaction Fees Section). If a particular transaction is subject to a Grace Period, Your Account starts in\na Grace Period for that transaction. The Grace Period will continue if You pay Your New Balance on time\neach Billing Period. You will lose the Grace Period if You do not pay Your New Balance in a given Billing\nPeriod. To regain Your Grace Period after You lose it, You must pay Your New Balance on time for 1 Billing\nPeriod. If You lose Your Grace Period for transactions to which the Grace Period previously applied, You\nwill owe interest on any unpaid Balance. Interest on those transactions will begin to accrue from the end\nof the Billing Period for which You failed to pay Your New Balance. For any such transactions that You\nmake after You lose Your Grace Period, You will pay interest from the Transaction Date until the time that\nYou regain the Grace Period for transactions of this type.\nIndex Rate \xe2\x80\x93 The rate used for making variable rate adjustments to Your APR. The Index Rate is the\nPrime Rate as quoted in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d section of The Wall Street Journal (Eastern Edition) on the\n28th day (or if the 28th day is not a business day, the next business day thereafter) of the prior calendar\nmonth. If The Wall Street Journal (Eastern Edition) is not published or the Prime Rate is not given on\nany of these dates, then the Index Rate will be determined by using the immediately preceding published\nPrime Rate for such date. If the Prime Rate is no longer available, SunTrust will choose a new index and\nnotify You as required by applicable law. Index Rate changes will be effective on Your Billing Period that\ncommences on or after the first day of the next succeeding month after the Index Rate is published. (For\nexample, if a new Index Rate is published on June 28th, the new APR would be effective as of the first day\nof the Billing Period that commences July 1 or after). An Index Rate increase will increase the applicable\nAPR, which may increase Your Minimum Payment.\nInterest Charge \xe2\x80\x93 The cost of Your Credit on the Account as a dollar amount that SunTrust derives by\napplying Your DPR to the Average Daily Balance.\nItems \xe2\x80\x93 Statements, sales drafts and/or payment instruments.\nJoint Ownership Considerations \xe2\x80\x93 If a deposit Account (i.e. Protected Account) is jointly owned, any\nowner of BOTH the deposit Account AND the Credit Card Account (i.e. the Protector Account) may\nenroll in overdraft protection without the consent of the other owners of that deposit Account. However,\nany owner of either the deposit Account OR Credit Card Account may cancel overdraft protection\nwithout the consent of other owners. If a jointly owned deposit Account is enrolled in overdraft protection:\n(i) all deposit Account holders will be responsible for all overdraft protection advances regardless of which\nperson writes a check or initiates a transaction that causes an overdraft (e.g. as a debit Card Purchase);\nand (ii) all deposit Account holders authorize us to share information about the Protected Account with\neach owner of Protector Account, such as type of Account and partial Account number. We reserve\nthe right to cancel, suspend, or change the terms or conditions of Your overdraft protection service at\nany time, for any reason.\nLate Payment \xe2\x80\x93 A payment that You make that SunTrust does not receive before the Due Date.\nMargin \xe2\x80\x93 The rate added to the Index Rate to determine Your APR.\nMinimum Payment \xe2\x80\x93 The Minimum Payment due on Your Account as shown on Your Statement.\nNew Balance \xe2\x80\x93 The entire Balance of Purchases, Cash Advances, Overdraft Advances, Balance\nTransfers and any Promotional Balances outstanding on Your Account on the Closing Date, plus all\naccrued Interest Charges and Other Charges as of such date.\n\nSunTrust Bank\nCardholder Services\nP.O. Box 791278\nBaltimore, MD 21279-1278\n\nNOTE: Any disagreement that You may have w\nsented to SunTrust in writing separately from yo\npayments are sent. (See the \xe2\x80\x9cYour Billing Rights\n\nStatement \xe2\x80\x93 SunTrust will send You a bill at the\nBalance of any amount or a credit Balance of m\nis uncollectible or has closed or suspended You\nStatement will tell You the total Balance that You\nwill also tell You the Minimum Payment that You\n\nSunTrust \xe2\x80\x93 means (1) SunTrust Bank, the ban\nperson(s) to whom the Credit is transferred or as\ntrolling persons, subsidiaries and affiliates of th\npredecessors of the companies in (1)-(4) abov\ncompanies in (1)-(5) above. SunTrust may also\nArbitration Provision contained in this Agreement\nif You assert a Claim against such third parties in\n\nTermination Date \xe2\x80\x93 This is the last day a Prom\nbe the earlier of (1) the last day specified in the P\nnotice to You when a Delinquency Triggering Eve\n\nTransaction Date \xe2\x80\x93 The Transaction Date of a\nBalance Transfer, Cash Advance, or Overdraft A\n\nYou, Your and Yours \xe2\x80\x93 means the Cardholder(s\n\nOther Charges \xe2\x80\x93 Charges to Your Account as described in the Other Charges Section of this Agreement,\nincluding fees for: Late Payments*, Annual Fee, Returned Payments*, Stop Payments*, Documentation*,\nand Phone Payments*. *SunTrust will consider reversal of these Other Charges fees on open Accounts\nin good standing if circumstances warrant such consideration, such as claims of Bank errors and other\nmitigating factors.\n\nulated from the applicable APR. The DPR is\np year). SunTrust may use DPR to calculate\nest Charges resulting from the application of\nDaily Balances (including new transactions)\nalance Transfers, Overdraft Advances, and\n\nOverdraft Advance \xe2\x80\x93 Credit SunTrust extends to You in the form of a loan from the Account to cover an\noverdraft on a deposit account that You designate at SunTrust. You must enroll in the SunTrust overdraft\nprotection program to receive this form of Credit.\n\nve Your payment in order for it to be on time.\nur on the same calendar day of each month.\nStatement and at least 25 days after the end\ne). To be timely, SunTrust must receive Your\nd on Your Statement. If no time is stated on\ns it by 5 p.m. Eastern Time on the Due Date;\nunTrust personnel at a SunTrust branch, Your\ny of the payment. Payments initiated through\nervice representative, or via SunTrust\xe2\x80\x99s web\n\nPromotional Rate \xe2\x80\x93 The DPR applied to Promotional Balances.\n\nst receives prior to 5:00 p.m. Eastern Time\nnt and in the Standard Payment Instructions\nPayments that SunTrust receives after 5:00\ns You make the payment directly to SunTrust\ne. If SunTrust accepts a payment received at\nnt and in the Standard Payment Instructions,\nm to the Standard Payment Instructions, that\nays after the date of receipt. This delay may\nssible suspension of Your Account. Payments\nf available) or via SunTrust\xe2\x80\x99s web site will be\n\nStandard Payment Instructions \xe2\x80\x93 These instru\nPay (1) in U.S. dollars, (2) not in cash, unless Y\ndeposit account or cashier\xe2\x80\x99s check drawn on a\n(e.g., \xe2\x80\x9cpayment in full\xe2\x80\x9d) included or attached to t\nTrust provides You, such as a Convenience Ch\npaper form (like a check, money order, or cashie\nYour Statement or write Your Card Account num\ndiscretion to accept a form of payment that does\ndoes not waive the Bank\xe2\x80\x99s right to continue to r\nSunTrust decides to accept a payment that You\nconversion rate to apply. The date You mail the\npayment. The payment date is the date that the\nStandard Payment Instructions. If You fail to com\nYour Account for the payment may be delayed. T\nCharges, and possible suspension of Your Accou\nphone pay. Mailed payments should be sent to:\n\nPromotional Balance \xe2\x80\x93 Credit SunTrust extends for an introductory and other designated Purchase or\nBalance Transfer transaction, subject to discounted fees and/or a different DPR than your standard DPR\nfor Purchases. Your use of a Promotional Offer from SunTrust results in a Promotional Balance.\nProtected Account \xe2\x80\x93 An eligible SunTrust Consumer Checking Account, Savings Account, or Money\nMarket Savings Account linked to this SunTrust Consumer Credit Card for overdraft protection.\nProtector Account \xe2\x80\x93 Your SunTrust Consumer Credit Card Account.\nPurchase \xe2\x80\x93 Credit SunTrust extends to You when You or an Authorized User (1) use(s) the Card or\nAccount to purchase goods, labor, insurance or services through sellers and lessors that honor Your Card\nor Account for the purpose of completing a Purchase or (2) use(s) a Convenience Check or other Credit\ninstrument that SunTrust provides for You to make a Purchase.\nReturned Payment \xe2\x80\x93 A payment that You make that Your financial institution does not honor. If You\nhave a Returned Payment, SunTrust will assess a fee in accordance with the terms of this Agreement. If\nSunTrust resubmits a Returned Payment and Your financial institution subsequently honors it, SunTrust\nwill still assess a Returned Payment fee because Your financial institution originally returned the payment\nas unpaid. If Your financial institution returns a payment more than once, SunTrust will not charge more\nthan one Returned Payment fee. If You make a new payment to SunTrust, however, and Your financial\ninstitution does not honor it, SunTrust will assess an additional Returned Payment fee.\nSavings Account \xe2\x80\x93 the Savings Account (called \xe2\x80\x9cSecured Card Savings Account\xe2\x80\x9d) that You opened and\nmaintain and pledged (via security interest) to SunTrust to secure payment of your outstanding Balance.\n\nThe Personal Deposit Account Fee Schedu\nDocuments/Personal_Banking/Deposit_Acco\n\n1\n\nSunTrust now Truist, Member FDIC. \xc2\xa9202\nTruist and the SunTrust logo are service m\nAll rights reserved.\n\n\x0cd paying interest on certain transactions. As\ns after the close of each Billing Period. This\no a Grace Period (See Interest Charges and\nect to a Grace Period, Your Account starts in\nntinue if You pay Your New Balance on time\nnot pay Your New Balance in a given Billing\nst pay Your New Balance on time for 1 Billing\nch the Grace Period previously applied, You\nansactions will begin to accrue from the end\nalance. For any such transactions that You\nfrom the Transaction Date until the time that\n\nments to Your APR. The Index Rate is the\nWall Street Journal (Eastern Edition) on the\nusiness day thereafter) of the prior calendar\npublished or the Prime Rate is not given on\ny using the immediately preceding published\nlable, SunTrust will choose a new index and\ns will be effective on Your Billing Period that\nmonth after the Index Rate is published. (For\new APR would be effective as of the first day\nex Rate increase will increase the applicable\n\nas a dollar amount that SunTrust derives by\n\ns.\n\ne. Protected Account) is jointly owned, any\nAccount (i.e. the Protector Account) may\nowners of that deposit Account. However,\nAccount may cancel overdraft protection\nt Account is enrolled in overdraft protection:\nraft protection advances regardless of which\nn overdraft (e.g. as a debit Card Purchase);\normation about the Protected Account with\nt and partial Account number. We reserve\nions of Your overdraft protection service at\n\nes not receive before the Due Date.\n\nr APR.\n\nccount as shown on Your Statement.\n\nAdvances, Overdraft Advances, Balance\nYour Account on the Closing Date, plus all\ne.\n\nStandard Payment Instructions \xe2\x80\x93 These instructions require You to pay your credit Card bill as follows.\nPay (1) in U.S. dollars, (2) not in cash, unless You pay at one of SunTrust\xe2\x80\x99s branches, (3) from a U.S.\ndeposit account or cashier\xe2\x80\x99s check drawn on a U.S. financial institution, (4) without restrictive language\n(e.g., \xe2\x80\x9cpayment in full\xe2\x80\x9d) included or attached to the payment, and (5) not from a credit account that SunTrust provides You, such as a Convenience Check drawn on this Account. If You make payment in a\npaper form (like a check, money order, or cashier\xe2\x80\x99s check), You must include the payment coupon from\nYour Statement or write Your Card Account number on the payment. If SunTrust decides in the Bank\xe2\x80\x99s\ndiscretion to accept a form of payment that does not meet these Standard Payment Instructions, SunTrust\ndoes not waive the Bank\xe2\x80\x99s right to continue to require payments that comply with these instructions. If\nSunTrust decides to accept a payment that You make in a foreign currency, SunTrust will choose the\nconversion rate to apply. The date You mail the payment is different from the date the Bank receives the\npayment. The payment date is the date that the Bank receives Your payment in accordance with these\nStandard Payment Instructions. If You fail to comply with these Standard Payment Instructions, credit to\nYour Account for the payment may be delayed. This delay may result in additional Interest Charges, Other\nCharges, and possible suspension of Your Account. Contact SunTrust at 1-800-477-9702 to inquire about\nphone pay. Mailed payments should be sent to:\nSunTrust Bank\nCardholder Services\nP.O. Box 791278\nBaltimore, MD 21279-1278\nNOTE: Any disagreement that You may have with respect to charges on Your Statement must be presented to SunTrust in writing separately from your payment and to a different address than where Your\npayments are sent. (See the \xe2\x80\x9cYour Billing Rights\xe2\x80\x9d Section of this Agreement.)\nStatement \xe2\x80\x93 SunTrust will send You a bill at the end of each Billing Period if Your Account has a debit\nBalance of any amount or a credit Balance of more than $1, unless SunTrust has decided Your Account\nis uncollectible or has closed or suspended Your Account for collection proceedings against You. The\nStatement will tell You the total Balance that You owe the Bank as of the end of the last Billing Period. It\nwill also tell You the Minimum Payment that You must pay the Bank by the stated Due Date.\nSunTrust \xe2\x80\x93 means (1) SunTrust Bank, the bank that is providing You Credit, and will include (2) any\nperson(s) to whom the Credit is transferred or assigned; (3) any Covered Provider; (4) the parents, controlling persons, subsidiaries and affiliates of the companies in (1)-(3) above; (5) the successors and\npredecessors of the companies in (1)-(4) above; and (6) the officers, directors and employees of the\ncompanies in (1)-(5) above. SunTrust may also be referred to as \xe2\x80\x9cthe Bank.\xe2\x80\x9d Solely for purposes of the\nArbitration Provision contained in this Agreement, the term \xe2\x80\x9cSunTrust\xe2\x80\x9d shall also apply to any third parties\nif You assert a Claim against such third parties in connection with a Claim You assert against SunTrust.\nTermination Date \xe2\x80\x93 This is the last day a Promotional Rate will apply to a Promotional Balance. It will\nbe the earlier of (1) the last day specified in the Promotional Balance offer or (2) the date identified in any\nnotice to You when a Delinquency Triggering Event occurs.\nTransaction Date \xe2\x80\x93 The Transaction Date of a Purchase is the sale date. The Transaction Date of a\nBalance Transfer, Cash Advance, or Overdraft Advance is the date that You request such a transaction.\nYou, Your and Yours \xe2\x80\x93 means the Cardholder(s).\n\nhe Other Charges Section of this Agreement,\nayments*, Stop Payments*, Documentation*,\nhese Other Charges fees on open Accounts\nn, such as claims of Bank errors and other\n\nform of a loan from the Account to cover an\nst. You must enroll in the SunTrust overdraft\n\noductory and other designated Purchase or\n/or a different DPR than your standard DPR\nst results in a Promotional Balance.\n\nces.\n\ncking Account, Savings Account, or Money\nCredit Card for overdraft protection.\n\nd Account.\n\nan Authorized User (1) use(s) the Card or\nugh sellers and lessors that honor Your Card\nuse(s) a Convenience Check or other Credit\nse.\n\nfinancial institution does not honor. If You\nordance with the terms of this Agreement. If\ninstitution subsequently honors it, SunTrust\nial institution originally returned the payment\nre than once, SunTrust will not charge more\nent to SunTrust, however, and Your financial\nal Returned Payment fee.\n\nard Savings Account\xe2\x80\x9d) that You opened and\ncure payment of your outstanding Balance.\n\nThe Personal Deposit Account Fee Schedule is accessible at https://www.suntrust.com/Static/\nDocuments/Personal_Banking/Deposit_Account_Disclosures/FSRETAILE.pdf.\n\n1\n\nSunTrust now Truist, Member FDIC. \xc2\xa92020 Truist Financial Corporation. SunTrust\xc2\xae,\nTruist and the SunTrust logo are service marks of Truist Financial Corporation.\nAll rights reserved.\n\n\x0cThe pricing addendum for the SunTrust Secured Card with Cash Rewards is accurate as of June 30, 2021.\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\nPrime Rate + 16.74%\n\nAPR for Balance\nTransfers\n\nPrime Rate + 16.74%\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\nand Overdraft Advances\n\nPrime Rate + 21.74%\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you\nany interest on purchases if you pay your entire balance by the due date each month. We\nwill begin charging Interest on Cash Advances and Balance Transfers on the transaction\ndate.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $0.50.\n\nThis APR will vary with the market based on the Prime Rate.\n\nFees\nAnnual Fee\n\n\xe2\x80\xa2 $32\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transaction\n\n\xe2\x80\xa2 $10.00 or 4% of the amount of the transfer, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Return Payment\n\n\xe2\x80\xa2 $10.00 or 4% of the amount of each advance, whichever is greater.\n\xe2\x80\xa2 3% of each transaction after conversion to U.S. dollars.\n\n\xe2\x80\xa2 Up to $39\n\xe2\x80\xa2 Up to $39\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance\xe2\x80\x9d (including new transactions).\nth\n\nPrime Rate: We use the prime rate quoted in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d section of The Wall Street Journal on the 28 day (or if the\nth\n28 day is not a business day, the next business day thereafter) of the prior calendar month.\n\nSunTrust Bank, now Truist Bank, Member FDIC. \xc2\xa92020 Truist Financial Corporation. SunTrust\xc2\xae, the SunTrust logo, and Truist are service marks of Truist\nFinancial Corporation. All rights reserved.\n19\n\n\x0c'