b'P-1908\nRev. 03/20\n\nCREDIT CARD ACCOUNT AGREEMENT\n\nPrime Rewards Credit Card\n\nTable of Contents\nSUMMARY OF KEY TERMS\nAGREEMENT TERMS\nCosts\nOverdraft Protection\nPayments\nCard Account\nAgreement (CA)\nSUMMARY OF\nKEY TERMS\n\nYour liability f\ndo/what happe\n\nWhat other\nimportant terms\nexist in the CA?\n\nCredit Limits,\nspending limits\nIndividual Liab\njointly liable fo\nTermination \xe2\x80\x93\nYour Credit at\nSharing of Info\ninformation/how\nto others; refer\nArbitration \xe2\x80\x93 th\nresolve claims;\nas the agreed u\nBilling Dispute\ncharges/are no\nfrom merchant\nDefined Terms\n\nInterest Charges\nand Transaction\nFees in General:\n\nSunTrust calcu\nDaily Balance (\nSunTrust also u\nInterest Charg\nis added to the\napplied each su\nBalance and ne\ndisclosure of A\nRate), Minimum\nOther Charges\n\nInterest Rates\nand Interest\nCharges based\nupon Credit\nInquiries:\n\nYour eligibility\nRates, and oth\ncredit worthin\nhave made any\ninquiries abou\nabout: (1) whe\nAccount and if\nto Your Card A\nAccount, or (3\nand other perm\n\nCost on\nPurchases:\nSunTrust\nwill charge\nthe Interest\nCharge (unless\ninapplicable\nbecause of the\nGrace Period) on\nYour Purchases\nfrom the\ntransaction date.\n\n\xe2\x80\xa2Any Purchase\nStatement wi\nmonth\xe2\x80\x99s State\n\xe2\x80\xa2The cost for P\nit applies) is t\nmultiplied by\nand (2) the ap\n\xe2\x80\xa2You will have\nare reflected\nif You pay You\nThose new Pu\nCharge during\nStatement if\nthe Grace Per\n\nCosts on Cash\nAdvances:\nSunTrust will\ncharge the Interest\nCharge on Your\nCash Advances\nfrom the date they\nare posted to Your\nAccount.\n\nThe costs for C\ncomputed at th\nBalance (for Ca\ntransaction fee\nDaily Balance o\nnumber of days\nDPR. Cash Adv\n\nCost on Overdraft\nAdvances:\nSunTrust will charge\nthe Interest Charge\non Your Overdraft\nAdvances from\nthe date they are\nposted to Your\nAccount.\n\nThe cost on Ov\nis the Average\nmultiplied by (\nand (2) the app\nRegulations for\nits usual depos\nand as part of Y\nAdvances do n\n\nAmendment (Changes) and Assignment\nAdditional Information\nArbitration Provision\nYour Billing Rights\nDefinitions\n\nEach bolded word or phrase is defined in the definitions\nsection at the end of this Agreement. A copy of the\nAgreement may be found online at www.suntrust.com/\npersonal-banking/credit-cards. The most current version\nof this Card Account Agreement shall be published online.\nThe online version of the agreement supersedes any prior\nwritten version.\n\nWhen are You\nbound by the\nCA Terms?\n\nYour Card Account Agreement with SunTrust starts and\nYou agree to the terms when (1) You accept and/or sign the\nCard or (2) You or an Authorized User use(s) the Card or\nAccount, thus obtaining Credit from SunTrust.\n\nWhat types of\ntransactions\nmight You make\nwith the Card/\nAccount and\nhow are these\ntransactions\nitemized on Your\nbill each month?\n\n\xe2\x80\xa2 You may use Your Card/Account to make legal Purchases,\nCash Advances, Overdraft Advances and Balance\nTransfers. You are responsible for transactions that You,\nother Cardholders, and Authorized Users make, whether\nthe transactions are legal or not.\n\xe2\x80\xa2 Each type of transaction has different associated costs\nand terms; each transaction type and associated costs are\ngrouped together and detailed in Your monthly Statement\n(Card Account bill) by transaction type. The combined\noutstanding amount of each transaction type is Your New\nBalance due on Your Account each month (Billing Period).\nYou must pay all Interest Charges, fees, and Other\nCharges properly charged to Your Account.\n\nWhat You Pay,\nwhen, how, and\nwhat happens if\nYou pay late?\n\n\xe2\x80\xa2 SunTrust will send You a monthly Statement (bill). You\nagree to pay all Authorized Charges on the Statement.\nYou have the option of paying in full the New Balance\nshown on each Statement or paying in installments that\nat least equal the amount of the Minimum Payment\nshown on Your Statement. In either case, the payment\nDue Date will be at least 25 days after the Closing Date\nof Your Statement.\n\xe2\x80\xa2 The Minimum Payment will include any amount past due\nor over Your Credit Limit plus the greater of (1) $25.00,\n(2) 2% of the New Balance, or (3) 1% of the New Balance\nplus current Interest Charges and Other Charges. If the\nNew Balance is less than $25.00, the Minimum Payment\nwill be the New Balance. If You pay more than the\nMinimum Payment, You still must make the Minimum\nPayment on subsequent Statements until You have fully\npaid what You owe. You must pay in U.S. dollars, without\nrestrictive terms, and in accordance with the Standard\nPayment Instructions.\n\xe2\x80\xa2 If You do not pay at least the Minimum Payment by the\nDue Date, SunTrust will charge a Late Payment fee, unless\nYour Account is exempt from Late Payment fees. If You\nmake a Late Payment, You will be in Default and You may\nbe subject to rate increases. If You are in Default for any\nreason, SunTrust can require that the entire outstanding\nfull Balance on Your Account be immediately paid.\n\nHow will\nSunTrust apply\nYour payments?\n\nWhat other\nimportant terms\nexist in the CA?\n\n\xe2\x80\xa2 You agree that the Minimum Payments on Your Account\nwill be applied in the order SunTrust selects.\n\xe2\x80\xa2 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\nAPR and any remaining portion to the other Balances in\ndescending order based on their APRs, unless SunTrust\nis required by applicable law to use a different payment\napplication method in connection with a deferred interest\nor similar program.\n\xe2\x80\xa2 Payments are normally applied to restore Your available\nCredit (the amount of Your unused Credit Limit). There\nmay be a delay in restoring Your available Credit until\nSunTrust determines whether a payment is likely to be\nreturned for insufficient funds or for some other reason.\n\n\x0cP-1908\nRev. 03/20\n\nWhat other\nimportant terms\nexist in the CA?\n\nYour liability for unauthorized use of the Card \xe2\x80\x93 what to\ndo/what happens if Your Card is stolen.\n\nWhat other\nimportant terms\nexist in the CA?\n\nCredit Limits, Authorization, and Convenience Checks \xe2\x80\x93\nspending limits/transaction authorization.\nIndividual Liability \xe2\x80\x93 each Cardholder is individually and\njointly liable for all Authorized Charges.\nTermination \xe2\x80\x93 You or SunTrust can terminate or suspend\nYour Credit at any time with/without cause.\nSharing of Information \xe2\x80\x93 how SunTrust safeguards your\ninformation/how-when SunTrust may disclose Your information\nto others; refers to SunTrust\xe2\x80\x99s Privacy Statement.\nArbitration \xe2\x80\x93 the way in which You and SunTrust agree to\nresolve claims; You have the right to opt out of arbitration\nas the agreed upon claims resolution method.\nBilling Dispute Rights \xe2\x80\x93 details Your rights if You dispute\ncharges/are not satisfied with good/services You procure\nfrom merchants using Your Card/Account.\nDefined Terms \xe2\x80\x93 defines all essential terms used in the CA.\n\ndment (Changes) and Assignment\nonal Information\nation Provision\nBilling Rights\ntions\n\nrase is defined in the definitions\ns Agreement. A copy of the\nd online at www.suntrust.com/\nt-cards. The most current version\neement shall be published online.\ne agreement supersedes any prior\n\nement with SunTrust starts and\nwhen (1) You accept and/or sign the\nthorized User use(s) the Card or\nCredit from SunTrust.\n\nd/Account to make legal Purchases,\nraft Advances and Balance\nponsible for transactions that You,\nd Authorized Users make, whether\ngal or not.\nn has different associated costs\nction type and associated costs are\ndetailed in Your monthly Statement\ntransaction type. The combined\neach transaction type is Your New\nccount each month (Billing Period).\nest Charges, fees, and Other\nged to Your Account.\n\nu a monthly Statement (bill). You\nrized Charges on the Statement.\npaying in full the New Balance\nent or paying in installments that\nunt of the Minimum Payment\nent. In either case, the payment\nast 25 days after the Closing Date\n\nt will include any amount past due\nmit plus the greater of (1) $25.00,\nnce, or (3) 1% of the New Balance\nharges and Other Charges. If the\nan $25.00, the Minimum Payment\nce. If You pay more than the\nu still must make the Minimum\nt Statements until You have fully\nu must pay in U.S. dollars, without\nn accordance with the Standard\n\nast the Minimum Payment by the\nll charge a Late Payment fee, unless\npt from Late Payment fees. If You\nYou will be in Default and You may\neases. If You are in Default for any\nequire that the entire outstanding\nccount be immediately paid.\n\nimum Payments on Your Account\nrder SunTrust selects.\nYour Minimum Payments to\nthe lowest APR (Annual Percentage\ness of the Minimum Payment will\nst to Balances with the highest\nportion to the other Balances in\nd on their APRs, unless SunTrust\nle law to use a different payment\nconnection with a deferred interest\n\napplied to restore Your available\nYour unused Credit Limit). There\noring Your available Credit until\nhether a payment is likely to be\nt funds or for some other reason.\n\nInterest Charges\nand Transaction\nFees in General:\n\nSunTrust calculates Interest Charges using the Average\nDaily Balance (including new transactions) method.\nSunTrust also uses compounded interest in calculating\nInterest Charges. Compounded interest means that interest\nis added to the principal that You owe and interest then\napplied each successive Billing Period on the outstanding\nBalance and new charges. [See the Card Mailer for\ndisclosure of APRs, corresponding DPRs (Daily Periodic\nRate), Minimum Interest Charge, transaction fees, and\nOther Charges.]\n\nInterest Rates\nand Interest\nCharges based\nupon Credit\nInquiries:\n\nYour eligibility for Credit, initial and on-going Interest\nRates, and other CA terms may vary based upon Your\ncredit worthiness. You authorize SunTrust to make or\nhave made any credit, employment, and investigative\ninquiries about You that SunTrust deems appropriate\nabout: (1) whether SunTrust will provide You with a Card\nAccount 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\nand other permissible purposes as the law allows.\n\nCost on\nPurchases:\nSunTrust\nwill charge\nthe Interest\nCharge (unless\ninapplicable\nbecause of the\nGrace Period) on\nYour Purchases\nfrom the\ntransaction date.\n\n\xe2\x80\xa2 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\xe2\x80\xa2 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\nand (2) the applicable DPR.\n\xe2\x80\xa2 You will have a Grace Period on any new Purchases that\nare reflected for the first time on Your current Statement\nif You pay Your New Balance on time each Billing Period.\nThose new Purchases will not be subject to an Interest\nCharge during the Billing Period reflected in the current\nStatement if You satisfy the conditions for applicability of\nthe Grace Period.\n\nCosts on Cash\nAdvances:\nSunTrust will\ncharge the Interest\nCharge on Your\nCash Advances\nfrom the date they\nare posted to Your\nAccount.\n\nThe costs for Cash Advances consist of (1) interest\ncomputed at the applicable DPR on the Average Daily\nBalance (for Cash Advances) and (2) Cash Advance\ntransaction fees. The DPR Interest Charge is the Average\nDaily Balance on Cash Advances multiplied by (1) the\nnumber of days in the Billing Period and (2) the applicable\nDPR. Cash Advances do not have a Grace Period.\n\nCost on Overdraft\nAdvances:\nSunTrust will charge\nthe Interest Charge\non Your Overdraft\nAdvances from\nthe date they are\nposted to Your\nAccount.\n\nThe cost on Overdraft Advances (DPR Interest Charge)\nis the Average Daily Balance on Overdraft Advances\nmultiplied by (1) the number of days in the Billing Period\nand (2) the applicable DPR. In accordance with its Rules and\nRegulations for Deposit Accounts, SunTrust will assess You\nits usual deposit account fee for such service, separately,\nand as part of Your deposit Account fees. Overdraft\nAdvances do not have a Grace Period.\n\nCosts on Balance \xe2\x80\xa2 The costs for B\ncomputed at t\nTransfers:\nBalance (for B\nWhen SunTrust\ntransaction fe\nprovides You a\nBalance Transfer\n\xe2\x80\xa2 The DPR Inter\ncheck or Balance\nBalance Trans\nTransfer request\nthe Billing Per\nform or when You \xe2\x80\xa2 SunTrust may\nrequest a Balance\nTransfer Prom\nTransfer, SunTrust\nTransfer Inter\nwill charge the\nCard Mailer te\nInterest Charge\nfees will be di\non Your Balance\nOffer. Unless\nTransfer from the\nTransfers do n\ndate it is posted\nto Your Account.\n\nForeign Currency \xe2\x80\xa2 All Purchase a\na foreign curre\nExchange on\nthe regulation\nNon-US\nexchange) of t\nTransactions:\nYour Account\n\xe2\x80\xa2 If Your Accoun\nwill be shown\n\xe2\x80\xa2 Conversion ma\ntransaction or\nStatement, w\na Credit trans\ndifferent than\nrate of the Cr\noriginal transa\nOther Charges:\n\nLate Payment\nLate Payment\nthe Minimum P\nStatement, Su\nPurchase Balan\nas of the Closin\nAnnual Fee. If\nshown on the C\nfee to Your Pur\nReturned Paym\nfrom Returned\nPayment fee to\nthat You make\nor (2) any Balan\nBalance check\nimposed even if\npaid by Your fin\nStop Payment F\npayment fee to\nto stop paymen\nAccount or on a\nDocumentation\nStatements, sal\nrequest copies o\nSunTrust will ad\nfor each additio\nSunTrust will no\nconnection with\n\nMinimum Interest If You incur Int\nCharges:\nminimum Intere\nminimum Intere\nCharge\xe2\x80\x9d on You\nChanges\n\nSunTrust can ch\nin accordance w\npossible change\n\nType of change\n\nWhat may trigge\nchange\n\nInterest Rate\nincrease on new\ncharges\n\nIn the first\nyear, a\nPromotional\nRate ends\nor the Index\nRate changes;\nafter that, any\nreason\n\nInterest Rate\nincrease on\nexisting Balances\n\nPromotional\nperiod ends,\nIndex Rate\nchanges, or\nYour Account\nis in a workout\narrangement\n\n\x0corized use of the Card \xe2\x80\x93 what to\nCard is stolen.\n\ntion, and Convenience Checks \xe2\x80\x93\non authorization.\nh Cardholder is individually and\nhorized Charges.\nnTrust can terminate or suspend\nwith/without cause.\nhow SunTrust safeguards your\nnTrust may disclose Your information\nust\xe2\x80\x99s Privacy Statement.\nwhich You and SunTrust agree to\nthe right to opt out of arbitration\nms resolution method.\ndetails Your rights if You dispute\nwith good/services You procure\nur Card/Account.\nall essential terms used in the CA.\n\nrest Charges using the Average\nnew transactions) method.\nounded interest in calculating\nounded interest means that interest\nthat You owe and interest then\nBilling Period on the outstanding\ns. [See the Card Mailer for\nesponding DPRs (Daily Periodic\nt Charge, transaction fees, and\n\nit, initial and on-going Interest\nms may vary based upon Your\nauthorize SunTrust to make or\nmployment, and investigative\nt SunTrust deems appropriate\nTrust will provide You with a Card\nat rates/terms, (2) modifications\nates/terms while You maintain the\non of Credit under Your Account\nurposes as the law allows.\n\nCosts on Balance \xe2\x80\xa2 The costs for Balance Transfers consist of (1) interest\ncomputed at the applicable DPR on the Average Daily\nTransfers:\nBalance (for Balance Transfers) and (2) Balance Transfer\nWhen SunTrust\ntransaction fees.\nprovides You a\nBalance Transfer\n\xe2\x80\xa2 The DPR Interest Charge is the Average Daily Balance on\ncheck or Balance\nBalance Transfers multiplied by (1) the number of days in\nTransfer request\nthe Billing Period and (2) the applicable DPR.\nform or when You \xe2\x80\xa2 SunTrust may from time to time offer You Balance\nrequest a Balance\nTransfer Promotional Offers with different Balance\nTransfer, SunTrust\nTransfer Interest Charges and transaction fees than the\nwill charge the\nCard Mailer terms. Those different Interest Charges and\nInterest Charge\nfees will be disclosed in the Balance Transfer Promotional\non Your Balance\nOffer. Unless SunTrust informs You otherwise, Balance\nTransfer from the\nTransfers do not have a Grace Period.\ndate it is posted\nto Your Account.\nForeign Currency \xe2\x80\xa2 All Purchase and Cash Advance transactions processed in\na foreign currency will be converted to U.S. dollars under\nExchange on\nthe regulations (which affect rate and actual date of the\nNon-US\nexchange) of the Card Association before being charged to\nTransactions:\nYour Account.\n\xe2\x80\xa2 If Your Account has a foreign currency transaction fee, it\nwill be shown on the Card Mailer.\n\xe2\x80\xa2 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\na Credit transaction is processed and has a processing date\ndifferent than the original transaction, then the exchange\nrate of the Credit can be greater/less than that of the\noriginal transaction.\nOther Charges:\n\nnot paid by the Due Date on the\nn Interest Charge on the following\n\n(DPR Interest Charge, when\nge Daily Balance on Purchases\number of days in the Billing Period\nDPR.\nPeriod on any new Purchases that\nst time on Your current Statement\nalance on time each Billing Period.\nwill not be subject to an Interest\nng Period reflected in the current\ny the conditions for applicability of\n\nnces consist of (1) interest\nble DPR on the Average Daily\nces) and (2) Cash Advance\nR Interest Charge is the Average\ndvances multiplied by (1) the\nlling Period and (2) the applicable\nnot have a Grace Period.\n\ndvances (DPR Interest Charge)\nance on Overdraft Advances\nmber of days in the Billing Period\nPR. In accordance with its Rules and\nccounts, SunTrust will assess You\nfee for such service, separately,\nsit Account fees. Overdraft\nGrace Period.\n\nLate Payment Fee. Unless Your Account is exempt from\nLate Payment fees, if SunTrust has not received at least\nthe Minimum Payment by its Due Date as shown on a\nStatement, SunTrust will add a Late Payment fee to Your\nPurchase Balance based on the New Balance outstanding\nas of the Closing Date for the Statement.\nAnnual Fee. If Your Account has an annual fee, it will be\nshown on the Card Mailer, and SunTrust will add the annual\nfee to Your Purchase Balance.\nReturned Payment Fee. Unless Your Account is exempt\nfrom Returned Payment fees, SunTrust will add a Returned\nPayment fee to Your Purchase Balance if (1) a payment\nthat You make or authorize is returned to SunTrust unpaid;\nor (2) any Balance Transfer, Cash Advance, or Promotional\nBalance check is dishonored for any reason. This fee may be\nimposed even if Your payment is later re-presented to and\npaid by Your financial institution.\nStop Payment Fee. SunTrust will add a $39.00 stop\npayment fee to Your Purchase Balance if You ask SunTrust\nto stop payment on any Convenience Check drawn on Your\nAccount or on any Balance Transfer request.\nDocumentation Fee. SunTrust will provide copies of\nStatements, sales drafts, etc., to You upon request. If You\nrequest copies of more than two items during a Billing Period,\nSunTrust will add a fee to Your Purchase Balance up to $5.00\nfor each additional copy unless prohibited by applicable law.\nSunTrust will not impose any fee if Your request is made in\nconnection with written notice of a billing error.\n\nMinimum Interest If You incur Interest Charges in any Billing Period, a\nCharges:\nminimum Interest Charge will post to Your Account (such\nminimum Interest Charge shown as the \xe2\x80\x9cMinimum Interest\nCharge\xe2\x80\x9d on Your Statement).\nChanges\n\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 Advance notice of change\nchange\n\nInterest Rate\nincrease on new\ncharges\n\nIn the first\nyear, a\nPromotional\nRate ends\nor the Index\nRate changes;\nafter that, any\nreason\n\nPromotional Rate ends or Index Rate\nchanges, no notice; otherwise, 45 days\n\nInterest Rate\nincrease on\nexisting Balances\n\nPromotional\nperiod ends,\nIndex Rate\nchanges, or\nYour Account\nis in a workout\narrangement\n\nNo notice requirement or per terms of the\nworkout arrangement\n\nIncrease or\ndecrease to\nCredit Limit\n\nAny reason\n\nSome fees and\nother terms\n\nCan change for\nany reason\n\nCard Account\nAgreement (CA)\nSUMMARY OF\nKEY TERMS\n\nEach bolded wo\nsection at the e\nAgreement may\npersonal-banki\n\nYour Card Account Agreement with\nwhen You accept and/or sign the Car\nCard or Account, thus obtaining cred\n\nCosts\nYou may use Your Card and Account\nOverdraft Advances and Balance Tra\nown Balance. Each type of Balance m\nInterest Charges.\nYou agree to pay SunTrust for all cre\nInterest Charges, Other Charges and\nto Your Account. You agree to use Yo\nnot SunTrust\xe2\x80\x99s responsibility to make\ntransactions, and You will remain res\nlegal or not. SunTrust may decline au\ntransaction. SunTrust will not be liab\nInterest Charges\nand Transaction\nFees\n\nThe conditions u\ntransaction fees\nis a Purchase, C\nTransfer, or Pro\nSunTrust calculates Interest Charges\nnew transactions) method. SunTrust\nInterest Charges. Compounded inter\nprincipal that You owe and interest t\nthe outstanding Balance and new cha\nInterest Charges that apply on Your\n\nInterest Charge\nCost: Interest C\nfor Purchases\nPurchases x no.\nAny Purchase Balance not paid by the\nInterest Charge on the following mon\n(DPR Interest Charge, when it applies\nmultiplied by (1) the number of days in\nYou will have a Grace Period on any\ntime on Your current Statement if Yo\nPeriod. Those new Purchases will no\nBilling Period reflected in the curren\napplicability of the Grace Period.\nSunTrust will charge the Interest Ch\nGrace Period) on Your Purchases fro\nThe DPR for Purchases (that are subj\nvary each month based on changes in\nwhether the Account is subject to a\n\nCosts: Interest\nInterest Charge\nAdvances x no.\nand Transaction\nAdvance transa\nFees for Cash\nAdvances\nThe costs for Cash Advances consist\nDPR on the Average Daily Balance (f\ntransaction fees.\nThe DPR Interest Charge is the Avera\nmultiplied by (1) the number of days\nDPR. The Cash Advance transaction f\nThe DPR for Cash Advances may or m\nin the Index Rate. The Card Mailer d\nVariable or a Non-variable APR.\nSunTrust will charge the Interest Ch\nthey are posted to Your Account. Ca\n\nCost: Interest C\nInterest Charge\nAdvances x no.\nfor Overdraft\nAdvances\nThe cost on Overdraft Advances (DP\nBalance on Overdraft Advances mult\nPeriod and (2) the applicable DPR. In\nDeposit Accounts, SunTrust will asses\nservice, separately, and as part of Yo\nThe DPR for Overdraft Advances may\nchanges in the Index Rate. The Card\nsubject to a Variable or a Non-variab\nSunTrust will charge the Interest Cha\nthey are posted to Your Account. Ove\n\n\x0cransfers consist of (1) interest\nable DPR on the Average Daily\nansfers) and (2) Balance Transfer\n\ne is the Average Daily Balance on\niplied by (1) the number of days in\n2) the applicable DPR.\ne to time offer You Balance\nOffers with different Balance\nges and transaction fees than the\nse different Interest Charges and\nthe Balance Transfer Promotional\ninforms You otherwise, Balance\nGrace Period.\n\nAdvance transactions processed in\nbe converted to U.S. dollars under\naffect rate and actual date of the\nAssociation before being charged to\n\noreign currency transaction fee, it\nrd Mailer.\nn a date other than the date of the\nthe transaction is posted to Your\naffect the conversion rate used. If\nprocessed and has a processing date\nnal transaction, then the exchange\ne greater/less than that of the\n\nss Your Account is exempt from\nunTrust has not received at least\nby its Due Date as shown on a\nll add a Late Payment fee to Your\non the New Balance outstanding\nr the Statement.\nunt has an annual fee, it will be\nr, and SunTrust will add the annual\nance.\nUnless Your Account is exempt\nfees, SunTrust will add a Returned\nchase Balance if (1) a payment\nze is returned to SunTrust unpaid;\ner, Cash Advance, or Promotional\nred for any reason. This fee may be\nment is later re-presented to and\ntitution.\nrust will add a $39.00 stop\nchase Balance if You ask SunTrust\nConvenience Check drawn on Your\nce Transfer request.\nTrust will provide copies of\netc., to You upon request. If You\nan two items during a Billing Period,\nYour Purchase Balance up to $5.00\nnless prohibited by applicable law.\nany fee if Your request is made in\notice of a billing error.\n\nrges in any Billing Period, a\ne will post to Your Account (such\ne shown as the \xe2\x80\x9cMinimum Interest\nent).\n\ne of Your rates and other terms\ncable law. This table shows some\n\nce notice of change\n\ntional Rate ends or Index Rate\ns, no notice; otherwise, 45 days\n\nce requirement or per terms of the\nt arrangement\n\nIncrease or\ndecrease to\nCredit Limit\n\nAny reason\n\nNone\n\nSome fees and\nother terms\n\nCan change for\nany reason\n\nUp to 45 days for certain fees and\nMinimum Payment changes\n\nCard Account\nAgreement (CA)\nSUMMARY OF\nKEY TERMS\n\nEach bolded word or phrase is defined in the definitions\nsection at the end of this Agreement. A copy of the\nAgreement may be found online at www.suntrust.com/\npersonal-banking/credit-cards.\n\nYour Card Account Agreement with SunTrust starts and You agree to these terms\nwhen You accept and/or sign the Card or You or an Authorized User use(s) the\nCard or Account, thus obtaining credit from SunTrust.\nCosts\nYou may use Your Card and Account to make Purchases, Cash Advances,\nOverdraft Advances and Balance Transfers. Each type of charge will have its\nown Balance. Each type of Balance may have a separate DPR and corresponding\nInterest Charges.\nYou agree to pay SunTrust for all credit extended on Your Account, plus any\nInterest Charges, Other Charges and other fees and amounts properly charged\nto Your Account. You agree to use Your Account only for legal transactions. It is\nnot SunTrust\xe2\x80\x99s responsibility to make sure You only use Your Account for legal\ntransactions, and You will remain responsible to pay for any transactions whether\nlegal or not. SunTrust may decline authorization for any Internet gambling\ntransaction. SunTrust will not be liable if You engage in an illegal transaction.\nThe conditions under which Interest Charges and\ntransaction fees apply depend upon whether the transaction\nis a Purchase, Cash Advance, Overdraft Advance, Balance\nTransfer, or Promotional Offer.\nSunTrust calculates Interest Charges using the Average Daily Balance (including\nnew transactions) method. SunTrust also uses compounded interest in calculating\nInterest Charges. Compounded interest means that interest is added to the\nprincipal that You owe and interest then applied each successive Billing Period on\nthe outstanding Balance and new charges.\nInterest Charges that apply on Your Account are set forth in the Card Mailer.\nInterest Charges\nand Transaction\nFees\n\nInterest Charge\nCost: Interest Charge (Average Daily Balance for\nfor Purchases\nPurchases x no. days in Billing Period x DPR)\nAny Purchase Balance not paid by the Due Date on the Statement will incur an\nInterest Charge on the following month\xe2\x80\x99s Statement. The cost for Purchases\n(DPR Interest Charge, when it applies) is the Average Daily Balance on Purchases\nmultiplied by (1) the number of days in the Billing Period and (2) the applicable DPR.\nYou will have a Grace Period on any new Purchases that are reflected for the first\ntime on Your current Statement if You pay Your New Balance on time each Billing\nPeriod. Those new Purchases will not be subject to an Interest Charge during the\nBilling Period reflected in the current Statement if You satisfy the conditions for\napplicability of the Grace Period.\nSunTrust will charge the Interest Charge (unless inapplicable because of the\nGrace Period) on Your Purchases from the transaction date.\nThe DPR for Purchases (that are subject to Interest Charges) may or may not\nvary each month based on changes in the Index Rate. The Card Mailer discloses\nwhether the Account is subject to a Variable or a Non-variable APR.\nCosts: Interest Charge (Average Daily Balance for Cash\nInterest Charge\nAdvances x no. days in Billing Period x DPR) + Cash\nand Transaction\nAdvance transaction fees.\nFees for Cash\nAdvances\nThe costs for Cash Advances consist of (1) interest computed at the applicable\nDPR on the Average Daily Balance (for Cash Advances) and (2) Cash Advance\ntransaction fees.\nThe DPR Interest Charge is the Average Daily Balance on Cash Advances\nmultiplied by (1) the number of days in the Billing Period and (2) the applicable\nDPR. The Cash Advance transaction fee is disclosed in the Card Mailer.\nThe DPR for Cash Advances may or may not vary each month based on changes\nin the Index Rate. The Card Mailer discloses whether the Account is subject to a\nVariable or a Non-variable APR.\nSunTrust will charge the Interest Charge on Your Cash Advances from the date\nthey are posted to Your Account. Cash Advances do not have a Grace Period.\nCost: Interest Charge (Average Daily Balance for Overdraft\nInterest Charge\nAdvances x no. days in Billing Period x DPR)\nfor Overdraft\nAdvances\nThe cost on Overdraft Advances (DPR Interest Charge) is the Average Daily\nBalance on Overdraft Advances multiplied by (1) the number of days in the Billing\nPeriod and (2) the applicable DPR. In accordance with its Rules and Regulations for\nDeposit Accounts, SunTrust will assess You its usual deposit account fee for such\nservice, separately, and as part of Your deposit account fees.\nThe DPR for Overdraft Advances may or may not vary each month based on\nchanges in the Index Rate. The Card Mailer discloses whether the Account is\nsubject to a Variable or a Non-variable APR.\nSunTrust will charge the Interest Charge on Your Overdraft Advances from the date\nthey are posted to Your Account. Overdraft Advances do not have a Grace Period.\n\nCosts: Interest C\nInterest Charge\nTransfers x no.\nand Transaction\nFees for Balance Transfer transac\nTransfers\nThe costs for Balance Transfers consi\nDPR on the Average Daily Balance (fo\nTransfer transaction fees.\nThe DPR Interest Charge is the Avera\nmultiplied by (1) the number of days\nDPR. The Balance Transfer transactio\n\xe2\x80\x98Promotional Balance\xe2\x80\x99 Balance Trans\nthat SunTrust may from time to time\nOffers with different Balance Transfe\nthe Card Mailer terms. Those differen\nin the Balance Transfer Promotional\nTransfer fee to the \xe2\x80\x98Balance Transfer\ninforms You when You make a Balanc\nand Balance Transfer fee will be adde\nPurchases or Cash Advances).\nUnless SunTrust informs You otherwise\nPeriod. When SunTrust provides You a\nrequest form or when You request a Ba\nInterest Charge on Your Balance Tran\nThe DPR for Balance Transfers (that\nmay not vary each month based on ch\ndiscloses whether the Account is subj\n\nCost: Interest C\nInterest Charge\nPromotional Ba\nfor Promotional\nPromotional Ra\nBalances\nSunTrust may from time to time offer\nPurchases or Balance Transfers throu\nPromotional Offer, the resulting Prom\nterms of that specific Promotional Of\nBalance program, any new or differen\nAgreement (such as the APR, effectiv\ndetailed in the Promotional Offer.\nThe DPR Interest Charge is the Avera\nmultiplied by (1) the number of days in\nThe Promotional Rate will apply to th\nPromotional Offer Termination Date\nTermination Date, be eligible for ano\nAfter the Termination Date, Your Pro\nPurchases DPR, unless disclosed othe\nfor the Termination Date is a Delinqu\nthe DPR that applies to Your new and\nPurchase DPR and corresponding APR\nrequired by applicable law.\n\nMinimum Interest Charge\nIf You incur Interest Charges in any B\nwill post to Your Account (such minim\nInterest Charge\xe2\x80\x9d on Your Statement)\nPeriod, the Minimum Interest Charge\nthe Card Mailer. SunTrust may allocat\nvarious Balances in the manner that S\n\nForeign Currency Exchange for Non\nAll Purchase and Cash Advance trans\nbe converted to U.S. dollars under th\nbeing charged to Your Account. (The\nto convert currency is a rate the Card\nof rates available in the wholesale cu\ndate (which rate may vary from the r\nthe government-mandated rate in eff\nConversion may occur on a date other\nthe transaction is posted to Your Stat\nused. If a Credit transaction is proces\nthe original transaction, then the exc\nthan that of the original transaction.\nIf Your Account has a foreign currenc\nCard Mailer and will be calculated af\nconverted from a foreign currency.\n\nOther Charges\nLate Payment Fee. Unless Your Acc\nif SunTrust has not received at least\nshown on a Statement, SunTrust wi\nBalance based on the New Balance\nStatement. The Late Payment fee i\nAnnual Fee. If Your Account has an a\nand SunTrust will add the annual fee\nfee is applicable to Your Account, S\nannual fee in the manner required b\nCredit availability under the Accoun\ndo not terminate the Account, the t\n\n\x0c5 days for certain fees and\nm Payment changes\n\nase is defined in the definitions\nAgreement. A copy of the\nonline at www.suntrust.com/\n-cards.\n\nstarts and You agree to these terms\nor an Authorized User use(s) the\nunTrust.\n\nPurchases, Cash Advances,\nach type of charge will have its\na separate DPR and corresponding\n\nded on Your Account, plus any\nes and amounts properly charged\nnt only for legal transactions. It is\nonly use Your Account for legal\no pay for any transactions whether\non for any Internet gambling\nengage in an illegal transaction.\n\nch Interest Charges and\npend upon whether the transaction\nnce, Overdraft Advance, Balance\nOffer.\nAverage Daily Balance (including\ncompounded interest in calculating\nthat interest is added to the\ned each successive Billing Period on\n\nre set forth in the Card Mailer.\n\nverage Daily Balance for\nilling Period x DPR)\ne on the Statement will incur an\nment. The cost for Purchases\nerage Daily Balance on Purchases\nng Period and (2) the applicable DPR.\nhases that are reflected for the first\nur New Balance on time each Billing\nct to an Interest Charge during the\nent if You satisfy the conditions for\n\nss inapplicable because of the\nnsaction date.\nerest Charges) may or may not\nx Rate. The Card Mailer discloses\nr a Non-variable APR.\n\nAverage Daily Balance for Cash\nlling Period x DPR) + Cash\n.\n\nrest computed at the applicable\ndvances) and (2) Cash Advance\n\nBalance on Cash Advances\ning Period and (2) the applicable\nlosed in the Card Mailer.\nry each month based on changes\nhether the Account is subject to a\n\nour Cash Advances from the date\nes do not have a Grace Period.\n\nverage Daily Balance for Overdraft\nlling Period x DPR)\n\nCharge) is the Average Daily\n(1) the number of days in the Billing\nce with its Rules and Regulations for\nusual deposit account fee for such\nt account fees.\nnot vary each month based on\nscloses whether the Account is\n\nur Overdraft Advances from the date\nvances do not have a Grace Period.\n\nCosts: Interest Charge (Average Daily Balance for Balance\nInterest Charge\nTransfers x no. days in Billing Period x DPR) + Balance\nand Transaction\nFees for Balance Transfer transaction fees.\nTransfers\nThe costs for Balance Transfers consist of (1) interest computed at the applicable\nDPR on the Average Daily Balance (for Balance Transfers) and (2) Balance\nTransfer transaction fees.\nThe DPR Interest Charge is the Average Daily Balance on Balance Transfers\nmultiplied by (1) the number of days in the Billing Period and (2) the applicable\nDPR. The Balance Transfer transaction fee for a \xe2\x80\x98regular\xe2\x80\x99 Balance Transfer or\n\xe2\x80\x98Promotional Balance\xe2\x80\x99 Balance Transfer is disclosed in the Card Mailer; provided,\nthat SunTrust may from time to time offer You Balance Transfer Promotional\nOffers with different Balance Transfer Interest Charges and transaction fees than\nthe Card Mailer terms. Those different Interest Charges and fees will be disclosed\nin the Balance Transfer Promotional Offer. SunTrust will add the Balance\nTransfer fee to the \xe2\x80\x98Balance Transfer\xe2\x80\x99 Balance of Your Account, unless SunTrust\ninforms 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.,\nPurchases or Cash Advances).\nUnless SunTrust informs You otherwise, Balance Transfers do not have a Grace\nPeriod. When SunTrust provides You a Balance Transfer check or Balance Transfer\nrequest form or when You request a Balance Transfer, SunTrust will charge the\nInterest Charge on Your Balance Transfer from the date it is posted to Your Account.\nThe DPR for Balance Transfers (that are subject to Interest Charges) may or\nmay not vary each month based on changes in the Index Rate. The Card Mailer\ndiscloses whether the Account is subject to a Variable or a Non-variable APR.\nCost: Interest Charge (Average Daily Balance for\nInterest Charge\nPromotional Balances x no. days in Billing Period x\nfor Promotional\nPromotional Rate DPR)\nBalances\nSunTrust may from time to time offer You a Promotional Rate on certain\nPurchases or Balance Transfers through Promotional Offers. If You accept a\nPromotional Offer, the resulting Promotional Balance will be subject to the\nterms of that specific Promotional Offer and this Agreement. In each Promotional\nBalance program, any new or different terms of the program not disclosed in this\nAgreement (such as the APR, effective dates and other special terms) will be\ndetailed in the Promotional Offer.\nThe DPR Interest Charge is the Average Daily Balance on Promotional Balances\nmultiplied by (1) the number of days in the Billing Period and (2) the applicable DPR.\nThe Promotional Rate will apply to those Promotional Balances until the\nPromotional Offer Termination Date. A Promotional Balance will not, after the\nTermination Date, be eligible for another Promotional Rate.\nAfter the Termination Date, Your Promotional Rate will change to Your regular\nPurchases DPR, unless disclosed otherwise in the Promotional Offer. If the reason\nfor the Termination Date is a Delinquency Triggering Event, SunTrust will change\nthe DPR that applies to Your new and outstanding Promotional Balances to the\nPurchase DPR and corresponding APR, after SunTrust provides You any notice\nrequired by applicable law.\nMinimum Interest Charge\nIf You incur Interest Charges in any Billing Period, a minimum Interest Charge\nwill post to Your Account (such minimum Interest Charge shown as the \xe2\x80\x9cMinimum\nInterest Charge\xe2\x80\x9d on Your Statement). If You incur Interest Charges in any Billing\nPeriod, the Minimum Interest Charge will be no less than the amount disclosed in\nthe Card Mailer. SunTrust may allocate the Minimum Interest Charge among Your\nvarious Balances in the manner that SunTrust elects as permitted by applicable law.\nForeign Currency Exchange for Non-US Transactions\nAll Purchase and Cash Advance transactions processed in a foreign currency will\nbe converted to U.S. dollars under the regulations of the Card Association before\nbeing charged to Your Account. (The exchange rate that the Card Association uses\nto convert currency is a rate the Card Association selects either from the range\nof 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\nthe government-mandated rate in effect on the applicable processing date.)\nConversion may occur on a date other than the date of the transaction or the date\nthe transaction is posted to Your Statement, which may affect the conversion rate\nused. If a Credit transaction is processed and has a processing date different than\nthe original transaction, then the exchange rate of the Credit can be greater/less\nthan that of the original transaction.\nIf Your Account has a foreign currency transaction fee, it will be shown on Your\nCard Mailer and will be calculated after each Purchase transaction has been\nconverted from a foreign currency.\nOther Charges\nLate Payment Fee. Unless Your Account is exempt from Late Payment fees,\nif SunTrust has not received at least the Minimum Payment by its Due Date as\nshown on a Statement, SunTrust will add a Late Payment fee to Your Purchase\nBalance based on the New Balance outstanding as of the Closing Date for the\nStatement. 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,\nand SunTrust will add the annual fee to Your Purchase Balance. If an annual\nfee is applicable to Your Account, SunTrust will provide You with notice of that\nannual fee in the manner required by law and explain how You may terminate\nCredit availability under the Account to avoid paying any such annual fee. If You\ndo not terminate the Account, the terms disclosed will continue to apply.\n\nReturned Payment Fee. Unless You\nPayment fees, SunTrust will add a R\nBalance if (1) a payment that You m\nunpaid (for example, if a check or an\nreturned for insufficient funds or is\nbe processed for any reason); or (2)\nor Promotional Balance check is dis\nbe imposed even if Your payment is\nfinancial institution. The Returned P\nStop Payment Fee. SunTrust will ad\nPurchase Balance if You ask SunTru\nCheck drawn on Your Account or on\nDocumentation Fee. SunTrust will p\nIf You request copies of more than tw\nwill add a fee to Your Purchase Bala\nunless prohibited by applicable law.\nrequest is made in connection with w\n\nOverdraft Protection\nIf You elect to link Your SunTrust elig\nAccount or Money Market Savings Acco\noverdraft protection (the \xe2\x80\x9cProtected\nYour Credit Card Account (the \xe2\x80\x9cProte\nAccount when checks, bill pay, or oth\nProtected Account to be overdrawn i\nTransfers will be made in $100 increm\nProtected Account. These transfers s\nthat term is defined under Your Credi\ninterest rates for Cash Advances are d\nAccount Agreement and may be highe\nCard transactions. There is no Grace P\ncharges will accrue from the date the\nCard Account. If the available Credit\nLimit or the available Cash Advance l\noverdraft, we may make transfers to p\naccessible Credit on Your Credit Card\naccount has a Balance of $10.00 and a\npresented for payment, which if paid\noverdrawn, a transfer of $100 will be\nYour deposit account and an overdraf\nto this Account. We will also charge a\nfee to Your Protected Account for ea\nPersonal Deposit Accounts Fee Schedu\nBe advised that we reserve the right t\nand to return the debit item(s) for non\nwe ordinarily will not initiate an overd\nAdvance under the following circumst\nCredit Card Account Agreement; (ii)\nexceed the available Credit for a give\nclosed or blocked status (e.g. due to f\npayment by its Due Date; and/or (v) i\nCredit Card Account. In these instanc\neach debited item will be charged to\nthe Personal Deposit Accounts Fee Sch\nOverdraft protection is only available\nadvised that linking a deposit account\nactivate that Card. Conversely, cance\nCredit Card.\nA Cash Advance transfer to the Prote\nwill not activate Your Credit Card. Ca\nclose Your Credit Card. However, clos\noverdraft protection service.\nPayments\n\nWhat You Pay, When, How, and wha\nSunTrust will send Your Statement to\nYou. You agree to pay all Authorized\noption of paying in full the New Balan\ninstallments that at least equal the am\nYour Statement.\nIn either case, the payment Due Date\nDate. The Minimum Payment will incl\nLimit plus the greater of (1) $25.00, (\nNew Balance plus current Interest Ch\nPayment amount will either be round\nNew Balance is less than $25.00, the\nIf You pay more than the Minimum Pa\nPayment on subsequent Statements u\nYou must pay in U.S. dollars, without\nStandard Payment Instructions. You\ndays before an automated payment is\nthe amount You think is wrong.\nIf You do not pay at least the Minimum\ncharge a Late Payment fee, unless Yo\nfees. If You make a Late Payment, Yo\n\n\x0cverage Daily Balance for Balance\nling Period x DPR) + Balance\n\nnterest computed at the applicable\ne Transfers) and (2) Balance\n\nBalance on Balance Transfers\ning Period and (2) the applicable\na \xe2\x80\x98regular\xe2\x80\x99 Balance Transfer or\nclosed in the Card Mailer; provided,\nBalance Transfer Promotional\nt Charges and transaction fees than\nt Charges and fees will be disclosed\nnTrust will add the Balance\nof Your Account, unless SunTrust\nr that the Balance Transfer amount\nher category of Balance (e.g.,\n\nTransfers do not have a Grace\nTransfer check or Balance Transfer\nnsfer, SunTrust will charge the\nthe date it is posted to Your Account.\nct to Interest Charges) may or\nhe Index Rate. The Card Mailer\nVariable or a Non-variable APR.\n\nerage Daily Balance for\no. days in Billing Period x\n\nomotional Rate on certain\notional Offers. If You accept a\nBalance will be subject to the\nhis Agreement. In each Promotional\nf the program not disclosed in this\nnd other special terms) will be\n\nalance on Promotional Balances\ng Period and (2) the applicable DPR.\nmotional Balances until the\ntional Balance will not, after the\nmotional Rate.\nRate will change to Your regular\nhe Promotional Offer. If the reason\nggering Event, SunTrust will change\ning Promotional Balances to the\nnTrust provides You any notice\n\nod, a minimum Interest Charge\nest Charge shown as the \xe2\x80\x9cMinimum\ncur Interest Charges in any Billing\no less than the amount disclosed in\nimum Interest Charge among Your\nlects as permitted by applicable law.\n\nsactions\nocessed in a foreign currency will\nons of the Card Association before\nrate that the Card Association uses\nion selects either from the range\nrkets for the applicable processing\nard Association itself receives) or\ne applicable processing date.)\ndate of the transaction or the date\nwhich may affect the conversion rate\nas a processing date different than\ne of the Credit can be greater/less\n\nion fee, it will be shown on Your\nurchase transaction has been\n\nempt from Late Payment fees,\nmum Payment by its Due Date as\nate Payment fee to Your Purchase\nng as of the Closing Date for the\nn the Card Mailer.\nit will be shown on the Card Mailer,\nPurchase Balance. If an annual\nill provide You with notice of that\nexplain how You may terminate\npaying any such annual fee. If You\nosed will continue to apply.\n\nReturned Payment Fee. Unless Your Account is exempt from Returned\nPayment fees, SunTrust will add a Returned Payment fee to Your Purchase\nBalance if (1) a payment that You make or authorize is returned to SunTrust\nunpaid (for example, if a check or an electronic funds transfer to SunTrust is\nreturned for insufficient funds or is returned because it is not signed or cannot\nbe processed for any reason); or (2) any Balance Transfer, Cash Advance,\nor Promotional Balance check is dishonored for any reason. This fee may\nbe imposed even if Your payment is later re-presented to and paid by Your\nfinancial 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\nPurchase Balance if You ask SunTrust to stop payment on any Convenience\nCheck drawn on Your Account or on any Balance Transfer request.\nDocumentation Fee. SunTrust will provide copies of Items to You upon request.\nIf You request copies of more than two Items during a Billing Period, SunTrust\nwill add a fee to Your Purchase Balance up to $5.00 for each additional copy\nunless prohibited by applicable law. SunTrust will not impose any fee if Your\nrequest is made in connection with written notice of a billing error.\nOverdraft Protection\nIf You elect to link Your SunTrust eligible Consumer Checking Account, Savings\nAccount or Money Market Savings Account to this SunTrust Credit Card for\noverdraft protection (the \xe2\x80\x9cProtected Account\xe2\x80\x9d), funds will be transferred from\nYour 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\nProtected Account to be overdrawn if those transactions are paid.\nTransfers will be made in $100 increments from the Protector Account to Your\nProtected Account. These transfers shall be considered a \xe2\x80\x9cCash Advance\xe2\x80\x9d as\nthat term is defined under Your Credit Card Account Agreement. Fees and\ninterest rates for Cash Advances are disclosed to clients in their Credit Card\nAccount Agreement and may be higher than those associated with other Credit\nCard transactions. There is no Grace Period for Cash Advances, meaning finance\ncharges will accrue from the date the Cash Advance is posted to Your Credit\nCard Account. If the available Credit on Your Credit Card Account (i.e. Credit\nLimit 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\naccessible Credit on Your Credit Card Account. For example, if Your deposit\naccount has a Balance of $10.00 and a check or other debit item for $80.00 is\npresented for payment, which if paid would cause Your deposit account to be\noverdrawn, a transfer of $100 will be made from Your Credit Card Account to\nYour deposit account and an overdraft protection Cash Advance of $100 will post\nto this Account. We will also charge an additional Overdraft Protection transfer\nfee to Your Protected Account for each day a transfer is made, as disclosed in the\nPersonal Deposit Accounts Fee Schedule.\nBe advised that we reserve the right to not initiate transfers to cover overdrafts\nand to return the debit item(s) for non-sufficient funds. By way of example only,\nwe ordinarily will not initiate an overdraft transfer or advance funds as a Cash\nAdvance under the following circumstances: (i) if You are in Default under Your\nCredit Card Account Agreement; (ii) if the Cash Advance would cause You to\nexceed the available Credit for a given transaction; (iii) if Your Credit Card is in a\nclosed or blocked status (e.g. due to fraud); (iv) if You fail to make a Credit Card\npayment by its Due Date; and/or (v) if You exceed any Credit Card limit on Your\nCredit Card Account. In these instances, an overdraft or returned item fee for\neach debited item will be charged to the Protected Account, which is disclosed in\nthe Personal Deposit Accounts Fee Schedule.\nOverdraft protection is only available for active Credit Card Accounts, but be\nadvised that linking a deposit account to a Credit Card does not automatically\nactivate that Card. Conversely, cancelling overdraft protection will not cancel a\nCredit Card.\nA Cash Advance transfer to the Protected Account due to overdraft protection\nwill not activate Your Credit Card. Cancelling overdraft protection will not\nclose Your Credit Card. However, closing a Credit Card Account will cancel the\noverdraft protection service.\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\nYou. You agree to pay all Authorized Charges on the Statement. You have the\noption of paying in full the New Balance shown on each Statement or paying in\ninstallments that at least equal the amount of the Minimum Payment shown on\nYour Statement.\nIn either case, the payment Due Date will be at least 25 days after the Closing\nDate. The Minimum Payment will include any amount past due or over the Credit\nLimit plus the greater of (1) $25.00, (2) 2% of the New Balance, or (3) 1% of the\nNew Balance plus current Interest Charges and Other Charges. The Minimum\nPayment amount will either be rounded up or down to the nearest dollar. If the\nNew Balance is less than $25.00, the Minimum Payment will be the New Balance.\nIf You pay more than the Minimum Payment, You still must make the Minimum\nPayment on subsequent Statements until You have fully paid what You owe.\nYou must pay in U.S. dollars, without restrictive terms, and in accordance with the\nStandard Payment Instructions. You must contact SunTrust at least 3 business\ndays before an automated payment is scheduled, if You want to stop payment on\nthe amount You think is wrong.\nIf You do not pay at least the Minimum Payment by the Due Date, SunTrust will\ncharge a Late Payment fee, unless Your Account is exempt from Late Payment\nfees. If You make a Late Payment, You will be in Default and You may be subject\n\nto rate increases. If You are in Default\nthat the entire full Balance on Your Ac\nimmediately pay SunTrust the entire f\nspecifically addressed in the Arbitratio\nliable to SunTrust for collection costs\nattorneys\xe2\x80\x99 fees and expenses of legal a\nlaw. Where required by state law SunT\nto remedy Your Default in accordance\na payment after the payment Due Dat\nLimit does not waive SunTrust\xe2\x80\x99s right\nentire full Balance.\n\nHow SunTrust will apply payments\nYou agree that the Minimum Payment\norder SunTrust selects in accordance w\nYour Minimum Payments to Balances\nexcess of the Minimum Payment will g\nthe highest APR and any remaining po\norder based on their APRs, unless Sun\ndifferent payment application method\nsimilar program. Payments are normal\n(the amount of Your unused Credit Lim\navailable Credit until SunTrust determ\nreturned for insufficient funds or for so\n\nAmendment (Changes)\nIMPORTANT NOTICE: In accordance w\nchange the APRs, Other Charges, and\nThis includes modifications, deletions\nnon-financial provisions (for example,\nSunTrust\xe2\x80\x99s enforcement rights or the r\nwill send You notice in the manner an\nto online Agreement) and time requir\nYour Account and/or this Agreement.\nis available at https://www.suntrust.c\nCreditCards. Changes to this Agreeme\ndate SunTrust specifies or provides an\nprovided in any change in terms notice\nchanges to this Agreement as of the d\nof Your Account is not necessary for a\nhave the right to reject a change in te\nmanner and under the same terms and\nin any change in terms notice. SunTru\nto use the Account if You reject certa\napplicable law and as described in any\nprovides.\nAssignment Rights\n\nSunTrust has the right to Assign its rig\nand any amount You owe to SunTrust.\nconsent and without prior notice to me\nthe Agreement and Account shall aut\nand assigns, including any entity that a\na merger with SunTrust. You do not ha\nunder this Agreement or the Account.\nAdditional Information\n\nYour liability for unauthorized use o\nTo report a lost/stolen Card call: 866\nlost/stolen Card. You must notify the\nor unauthorized use of Your Card. This\nYou should regularly check Your State\nAccount to confirm that unauthorized\nYou may be liable for the unauthorized\nYour Account occurs, You agree to coo\nauthorities in identifying the unauthor\nfor unauthorized use that occurs after\nthe loss, theft, or possible unauthorize\nexceed $50 for each occurrence of los\napplicable law or the requirements of\nSunTrust at: Cardholder Services, P.O\n\nOwnership of the Card\nYour Card and any Convenience Check\nSunTrust provides to You are SunTrust\xe2\x80\x99\nor SunTrust\xe2\x80\x99s agent immediately upon d\ndestroy Your Card, other Credit instrum\ncutting them in half and surrendering th\nmailing them to SunTrust or dropping th\n\nCredit Limits, Authorization, and Co\nUnless Your Account type or SunTrust\nYou agree to not exceed the Credit Li\nif You do, You agree to pay the over C\nMinimum Payment. SunTrust may rais\ndiscretion, as permitted by applicable\ndecreases that affect Your Credit Lim\nrequest an increase to the Credit Limi\nhave a joint Account because one of Y\nAccount was opened and that individu\n\n\x0ct is exempt from Returned\nPayment fee to Your Purchase\nthorize is returned to SunTrust\nic funds transfer to SunTrust is\nbecause it is not signed or cannot\nnce Transfer, Cash Advance,\nfor any reason. This fee may\npresented to and paid by Your\nfee is stated on the Card Mailer.\n0 stop payment fee to Your\npayment on any Convenience\nnce Transfer request.\npies of Items to You upon request.\nduring a Billing Period, SunTrust\n$5.00 for each additional copy\nwill not impose any fee if Your\ntice of a billing error.\n\numer Checking Account, Savings\ns SunTrust Credit Card for\n), funds will be transferred from\nount\xe2\x80\x9d) into Your Protected\nransactions would cause Your\nansactions are paid.\nthe Protector Account to Your\nnsidered a \xe2\x80\x9cCash Advance\xe2\x80\x9d as\ncount Agreement. Fees and\nto clients in their Credit Card\nose associated with other Credit\nCash Advances, meaning finance\nance is posted to Your Credit\nredit Card Account (i.e. Credit\nsufficient to cover the entire\ndual debit Items up to the available\n. For example, if Your deposit\nother debit item for $80.00 is\nuse Your deposit account to be\nm Your Credit Card Account to\non Cash Advance of $100 will post\nnal Overdraft Protection transfer\nransfer is made, as disclosed in the\n\nate transfers to cover overdrafts\nt funds. By way of example only,\nsfer or advance funds as a Cash\nif You are in Default under Your\nh Advance would cause You to\ntion; (iii) if Your Credit Card is in a\n) if You fail to make a Credit Card\need any Credit Card limit on Your\nerdraft or returned item fee for\ncted Account, which is disclosed in\n\nCredit Card Accounts, but be\ndit Card does not automatically\ndraft protection will not cancel a\n\nunt due to overdraft protection\nverdraft protection will not\ndit Card Account will cancel the\n\ns if You pay late\ness that the Bank has on file for\non the Statement. You have the\non each Statement or paying in\nhe Minimum Payment shown on\n\nleast 25 days after the Closing\nmount past due or over the Credit\nhe New Balance, or (3) 1% of the\nOther Charges. The Minimum\nown to the nearest dollar. If the\nPayment will be the New Balance.\nou still must make the Minimum\nave fully paid what You owe.\ne terms, and in accordance with the\nact SunTrust at least 3 business\nd, if You want to stop payment on\n\nnt by the Due Date, SunTrust will\nnt is exempt from Late Payment\nn Default and You may be subject\n\nto rate increases. If You are in Default for any reason, SunTrust can require\nthat the entire full Balance on Your Account be immediately paid. If You do not\nimmediately pay SunTrust the entire full Balance due when required, except as\nspecifically addressed in the Arbitration Provision of this Agreement, You will be\nliable to SunTrust for collection costs that SunTrust incurs, including reasonable\nattorneys\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\nto remedy Your Default in accordance with that law. SunTrust\xe2\x80\x99s acceptance of\na payment after the payment Due Date or after You have exceeded Your Credit\nLimit does not waive SunTrust\xe2\x80\x99s right to require immediate payment of Your\nentire full Balance.\nHow SunTrust will apply payments\nYou agree that the Minimum Payments on Your Account will be applied in the\norder SunTrust selects in accordance with applicable law. SunTrust may allocate\nYour Minimum Payments to Balances starting with the lowest APR. Payments in\nexcess of the Minimum Payment will generally be applied first to Balances with\nthe 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\ndifferent payment application method in connection with a deferred interest or\nsimilar program. Payments are normally applied to restore Your available Credit\n(the amount of Your unused Credit Limit). There may be a delay in restoring Your\navailable Credit until SunTrust determines whether a payment is likely to be\nreturned for insufficient funds or for some other reason.\nAmendment (Changes)\nIMPORTANT NOTICE: In accordance with applicable law, SunTrust may unilaterally\nchange the APRs, Other Charges, and other terms of this Agreement at any time.\nThis includes modifications, deletions and the addition of new provisions, including\nnon-financial provisions (for example, SunTrust may add provisions relating to\nSunTrust\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\nto online Agreement) and time required by law for the changes being made to\nYour Account and/or this Agreement. The online version of the Agreement\nis available at https://www.suntrust.com/PersonalBanking/EverydayBanking/\nCreditCards. Changes to this Agreement will be automatically effective on the\ndate SunTrust specifies or provides an updated Agreement, except as otherwise\nprovided in any change in terms notice SunTrust provides. You are bound by\nchanges to this Agreement as of the date updates are published. However, use\nof Your Account is not necessary for a change in terms to be effective. You will\nhave the right to reject a change in terms and pay off Your Account in the same\nmanner and under the same terms and conditions as then in effect, as described\nin any change in terms notice. SunTrust may terminate or suspend Your ability\nto 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\nprovides.\nAssignment Rights\nSunTrust has the right to Assign its rights under this Agreement, the Account,\nand any amount You owe to SunTrust. SunTrust may Assign its rights without my\nconsent and without prior notice to me. The rights and benefits of SunTrust under\nthe Agreement and Account shall automatically transfer to SunTrust\xe2\x80\x99s successors\nand assigns, including any entity that acquires SunTrust and/or is created through\na merger with SunTrust. You do not have the right to assign or transfer Your rights\nunder this Agreement or the Account.\nAdditional Information\nYour liability for unauthorized use of the Card\nTo report a lost/stolen Card call: 866.732.1683. State that You are reporting a\nlost/stolen Card. You must notify the Bank promptly in the event of loss, theft,\nor unauthorized use of Your Card. This notification responsibility means that\nYou should regularly check Your Statements to review charges that post to Your\nAccount 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\nYour Account occurs, You agree to cooperate with SunTrust and law enforcement\nauthorities in identifying the unauthorized user. However, You will not be liable\nfor unauthorized use that occurs after You notify SunTrust orally or in writing of\nthe loss, theft, or possible unauthorized use. In any case, Your liability will not\nexceed $50 for each occurrence of loss or theft or any lesser amount required by\napplicable law or the requirements of the Card Association. You may write to\nSunTrust at: Cardholder Services, P.O. Box 621569, Orlando, FL 32862-1569.\nOwnership of the Card\nYour Card and any Convenience Checks or other Credit instrument or device that\nSunTrust provides to You are SunTrust\xe2\x80\x99s property and must be returned to SunTrust\nor SunTrust\xe2\x80\x99s agent immediately upon demand. At SunTrust\xe2\x80\x99s request You will\ndestroy Your Card, other Credit instruments or devices and/or special checks, by\ncutting 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,\nYou agree to not exceed the Credit Limit that SunTrust establishes for You, but\nif You do, You agree to pay the over Credit Limit amount as part of Your next\nMinimum Payment. SunTrust may raise or lower Your Credit Limit at SunTrust\xe2\x80\x99s\ndiscretion, as permitted by applicable law. SunTrust is not liable to You for\ndecreases that affect Your Credit Limit or spending limits. Each of You may\nrequest an increase to the Credit Limit of a joint Account. If You were required to\nhave a joint Account because one of You was less than 21 years of age when Your\nAccount was opened and that individual remains less than 21 years of age when\n\nSunTrust considers raising the Credit L\nnot increase the Credit Limit until all\nliability for an increase to the Credit L\nestablish separate limits that restrict t\nfor Cash Advances or Balance Transfer\nany transaction at any time. SunTrust\nany transaction, regardless of SunTrus\nare subject to approval based upon You\nhistory and other factors. You may not\nSunTrust may reject and return unpaid\nany reason. You must pay SunTrust for\neven if SunTrust were permitted to reje\nunless the Convenience Check constit\nto issue Convenience Checks or, upon\nof Convenience Checks already issued\nto place a stop payment on an unpaid C\nthe stop payment fee. You must provid\npayee, and the number of the Conveni\nis incorrect or if You do not afford Sun\nYour request, SunTrust may not be abl\nCheck has been paid, SunTrust will no\npayment request will remain valid for 6\nbefore it expires if You want SunTrust\nrequest after the initial 6 month period\nSunTrust from any losses, expenses an\nby SunTrust, for preventing or failing t\n\nIndividual Liability\nYou, as a Cardholder, are liable for all\nwhether obtained by You, another Car\nAccount. If there is more than one Car\nis liable, jointly and severally, for all C\nregardless of which of You obtains that\n\nTermination\nEither You or SunTrust may terminate\nprivileges under this Agreement at any\nnot try to make any Purchases or Bala\nAdvances or Overdraft Advances on Yo\nhave been terminated or suspended. H\nremain in full force and effect until Yo\n\nApplicable Law\nApplicable Law. Except as expressly se\nAgreement, this Agreement and the in\n(including but not limited to the expor\nby Federal law applicable to SunTrust\nFederal law, the laws of the State of G\nprovisions and principles. If there is an\nconditions of this Agreement and appl\nwill be considered changed to the exte\nlaw. You agree that all terms of this Ag\nof interest. SunTrust accepts this Agre\n\nMilitary Lending Act\nThe Military Lending Act provides prote\nForces and their dependents (\xe2\x80\x9cCovered\napply to Covered Borrowers under the\nmore information about whether you a\nsection applies to you, please contact\nFederal law provides important protec\ntheir dependents relating to extension\nof consumer credit to a member of the\nmay not exceed an Annual Percentage\napplicable to the credit transaction or\ninsurance premiums; (2) fees for ancill\ncredit transaction; (3) any application\nfees for specified credit transactions o\nfee charged (other than certain partici\nOral Disclosures. In order to hear impo\npayment information provided in this A\nApplicability of Jury Trial Waiver, Class\nThe Jury Trial Waiver, Class Action Waiv\nNote do not apply to Covered Borrower\n\nJury Trial Waiver\nUNLESS YOU ARE A COVERED BORROWE\nTHE EXTENT PERMITTED BY APPLICABLE\nTO ARBITRATION, YOU AND SUNTRUST\nINTENTIONALLY AND IRREVOCABLY WAIV\nRESPECT TO ANY LITIGATION ARISING O\nACCOUNT, ANY CREDIT TRANSACTION,\nBETWEEN YOU AND SUNTRUST OR ANY\nDIRECTORS, PARENTS, CONTROLLING P\nSUCCESSORS AND ASSIGNS\n\n\x0creason, SunTrust can require\ne immediately paid. If You do not\nce due when required, except as\non of this Agreement, You will be\nTrust incurs, including reasonable\nthe extent permitted by applicable\nprovide You with notice and a right\nt law. SunTrust\xe2\x80\x99s acceptance of\nr You have exceeded Your Credit\ne immediate payment of Your\n\nr Account will be applied in the\ncable law. SunTrust may allocate\nwith the lowest APR. Payments in\nbe applied first to Balances with\nhe other Balances in descending\nequired by applicable law to use a\nction with a deferred interest or\nd to restore Your available Credit\nre may be a delay in restoring Your\nther a payment is likely to be\nr reason.\n\nable law, SunTrust may unilaterally\nrms of this Agreement at any time.\nddition of new provisions, including\nmay add provisions relating to\nn of claims and disputes). SunTrust\n(written communication or update\nfor the changes being made to\nne version of the Agreement\nnalBanking/EverydayBanking/\ne automatically effective on the\nAgreement, except as otherwise\nt provides. You are bound by\ntes are published. However, use\nn terms to be effective. You will\npay off Your Account in the same\nns as then in effect, as described\nrminate or suspend Your ability\nes, to the extent permitted by\nn terms notice that SunTrust\n\nr this Agreement, the Account,\nt may Assign its rights without my\nhts and benefits of SunTrust under\ny transfer to SunTrust\xe2\x80\x99s successors\nSunTrust and/or is created through\nght to assign or transfer Your rights\n\nrd\n3. State that You are reporting a\nmptly in the event of loss, theft,\ntion responsibility means that\nreview charges that post to Your\nhave not posted to Your Account.\nYour Card. If unauthorized use of\nwith SunTrust and law enforcement\nHowever, You will not be liable\nfy SunTrust orally or in writing of\nany case, Your liability will not\nor any lesser amount required by\nAssociation. You may write to\n1569, Orlando, FL 32862-1569.\n\nr Credit instrument or device that\ny and must be returned to SunTrust\nAt SunTrust\xe2\x80\x99s request You will\ndevices and/or special checks, by\ns to SunTrust or SunTrust\xe2\x80\x99s agent by\nt SunTrust\xe2\x80\x99s office.\n\nce Checks\nYou to exceed Your Credit Limit,\nSunTrust establishes for You, but\nmit amount as part of Your next\ner Your Credit Limit at SunTrust\xe2\x80\x99s\nTrust is not liable to You for\nding limits. Each of You may\nnt Account. If You were required to\ness than 21 years of age when Your\nns less than 21 years of age when\n\nSunTrust considers raising the Credit Limit of Your joint Account, SunTrust will\nnot increase the Credit Limit until all of You approve and assume in writing joint\nliability for an increase to the Credit Limit of the joint Account. SunTrust may\nestablish separate limits that restrict the amount of the Credit Limit available\nfor Cash Advances or Balance Transfers. SunTrust may decline authorization for\nany transaction at any time. SunTrust is not liable for declining authorization for\nany transaction, regardless of SunTrust\xe2\x80\x99s reason. All transactions on Your Account\nare subject to approval based upon Your Account status, available Credit, credit\nhistory and other factors. You may not stop the payment of any Card transaction\nSunTrust may reject and return unpaid any Convenience Check that You write for\nany reason. You must pay SunTrust for any Convenience Check that SunTrust pays,\neven if SunTrust were permitted to reject and return the Convenience Check,\nunless the Convenience Check constitutes unauthorized use. SunTrust may refuse\nto issue Convenience Checks or, upon notice to You, refuse to permit the use\nof Convenience Checks already issued. You may call SunTrust at 800.477.9702\nto place a stop payment on an unpaid Convenience Check. SunTrust will charge\nthe stop payment fee. You must provide SunTrust the date, amount, name of\npayee, and the number of the Convenience Check. If any information You provide\nis incorrect or if You do not afford SunTrust a reasonable opportunity to act on\nYour request, SunTrust may not be able to stop payment. Once a Convenience\nCheck has been paid, SunTrust will not be able to reverse the payment. Your stop\npayment request will remain valid for 6 months. You must renew Your request\nbefore it expires if You want SunTrust to continue honoring the stop payment\nrequest 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\nby SunTrust, for preventing or failing to prevent payment.\nIndividual Liability\nYou, as a Cardholder, are liable for all Credit obtained under Your Account(s),\nwhether obtained by You, another Cardholder or an Authorized User of the\nAccount. If there is more than one Cardholder on the Account, each of You\nis 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\nprivileges under this Agreement at any time, with or without cause. You will\nnot try to make any Purchases or Balance Transfers or try to obtain any Cash\nAdvances or Overdraft Advances on Your Account after Your Credit privileges\nhave been terminated or suspended. However, this Agreement will otherwise\nremain in full 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\nAgreement, this Agreement and the interpretation and enforcement thereof\n(including but not limited to the exportation of interest rates) will be governed\nby 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\nprovisions and principles. If there is any conflict between any of the terms and\nconditions of this Agreement and applicable Federal or State law, this Agreement\nwill be considered changed to the extent necessary to comply with the applicable\nlaw. You agree that all terms of this Agreement are material to the determination\nof interest. SunTrust accepts this Agreement in its home state, Georgia.\nMilitary Lending Act\nThe Military Lending Act provides protections for certain members of the Armed\nForces and their dependents (\xe2\x80\x9cCovered Borrowers\xe2\x80\x9d). The provisions of this section\napply to Covered Borrowers under the Military Lending Act. If you would like\nmore information about whether you are a Covered Borrower and whether this\nsection applies to you, please contact us at 1-800-848-8372. Statement of MAPR.\nFederal law provides important protections to members of the Armed Forces and\ntheir dependents relating to extensions of consumer credit. In general, the cost\nof consumer credit to a member of the Armed Forces and his or her dependent\nmay not exceed an Annual Percentage Rate of 36%. This rate must include, as\napplicable to the credit transaction or account: (1) the costs associated with credit\ninsurance premiums; (2) fees for ancillary products sold in connection with the\ncredit transaction; (3) any application fee charged (other than certain application\nfees for specified credit transactions or accounts); and (4) any participation\nfee charged (other than certain participation fees for a credit card account).\nOral Disclosures. In order to hear important Military Lending Act disclosures and\npayment information provided in this Agreement, please call 1-800-848-8372.\nApplicability of Jury Trial Waiver, Class Action Waiver, and Arbitration Provision.\nThe Jury Trial Waiver, Class Action Waiver, and Arbitration Provision set forth in this\nNote do not apply to Covered 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\nTO ARBITRATION, YOU AND SUNTRUST HEREBY KNOWINGLY, VOLUNTARILY,\nINTENTIONALLY AND IRREVOCABLY WAIVE THE RIGHT TO A TRIAL BY JURY IN\nRESPECT TO ANY LITIGATION ARISING OUT OF THIS AGREEMENT, RELATING TO THE\nACCOUNT, ANY CREDIT TRANSACTION, OR ANY OTHER DISPUTE OR CONTROVERSY\nBETWEEN YOU AND SUNTRUST OR ANY OF SUNTRUST\xe2\x80\x99S EMPLOYEES, OFFICERS,\nDIRECTORS, PARENTS, CONTROLLING PERSONS, SUBSIDIARIES, AFFILIATES,\nSUCCESSORS AND ASSIGNS\n\nLitigation Class Action Waiver\nTO THE EXTENT PERMITTED BY APPLICA\nTO ARBITRATION, YOU AND SUNTRUST\nARISING OUT OF THIS AGREEMENT, RE\nTRANSACTION, OR ANY OTHER DISPUTE\nSUNTRUST OR ANY OF SUNTRUST\xe2\x80\x99S EM\nCONTROLLING PERSONS, SUBSIDIARIES,\nWILL PROCEED ON AN INDIVIDUAL BASIS\nCLASS ACTION, COLLECTIVE ACTION, PR\nOTHER REPRESENTATIVE ACTION AND Y\nVOLUNTARILY, INTENTIONALLY AND IRRE\nIN A CLASS ACTION, COLLECTIVE ACTIO\nOTHER REPRESENTATIVE ACTION OR TO\n\nOther Products and Services\nSunTrust will, at Your request, arrange\nadditional or replacement Cards on an\novernight courier will be added to You\n\nproducts, optional services or enhance\nregistration) may be offered on Your A\nfeatures, services and enhancements,\nthird party provider. You agree to hold\nactions or damages resulting from You\nenhancements, when permitted by app\nadjust, add, or delete benefits and ser\n\nCredit Inquiries\nYou authorize SunTrust to make or hav\ninvestigative inquiries that SunTrust d\nor collection of Credit under the Acco\nSunTrust is reporting about You, You m\nAttention: Dispute Department, P.O.\n\nConsumer Reporting Agencies (Cred\nIt is standard banking industry practice\nroutinely to provide data about custom\nconsumer reporting agencies and other\nabout Your Account(s) to credit bureau\nother Defaults on Your Account(s) may\n\nSharing of Information\nSunTrust may, to the extent and in the\ncommunicate information about SunTr\nYou to consumer reporting agencies, S\nproperly receive that information. You\nfor more details about how SunTrust c\nsafeguards information about You and\nis provided when consumer Cardholde\nSunTrust, once each year while Cardh\nwith SunTrust, and at other times requ\ncopy of SunTrust\xe2\x80\x99s Privacy Statement b\nor sending a written request to SunTru\nCustomer Service, P.O. Box 621629,\n\nWaiver\nSunTrust\xe2\x80\x99s failure to exercise, or SunT\nrights under the Agreement for any re\nunable to exercise those rights later.\n\nSeverability\nThe invalidity of any provision of the A\nother provision.\n\nEntire Agreement\nThis Agreement, as modified from time\nby any change in terms that SunTrust w\nto Agreement terms that are published\ncredit-cards), constitutes the entire Agr\nsupersedes any prior negotiation or und\nconcerning the subject matter of this Ag\nconvenience only and are to be disregar\n\nNew Jersey Residents\nAll provisions of this Agreement are valid\n\nIllegal Transaction\nAny financial service that SunTrust pro\nused for any transaction permitted by\nagree that illegal use of any financial s\nand/or breach of contract and that Su\nservice and/or other related services a\nresponsible for paying for a transaction\nuse occurs, You also agree to waive an\nor any activity directly or indirectly re\nharmless from any suits or other legal\nresulting from such illegal use.\n\n\x0cour joint Account, SunTrust will\nprove and assume in writing joint\nhe joint Account. SunTrust may\nnt of the Credit Limit available\nust may decline authorization for\nble for declining authorization for\nn. All transactions on Your Account\nnt status, available Credit, credit\npayment of any Card transaction\nvenience Check that You write for\nenience Check that SunTrust pays,\neturn the Convenience Check,\nuthorized use. SunTrust may refuse\no You, refuse to permit the use\ny call SunTrust at 800.477.9702\nence Check. SunTrust will charge\nust the date, amount, name of\neck. If any information You provide\neasonable opportunity to act on\npayment. Once a Convenience\nto reverse the payment. Your stop\n. You must renew Your request\nnue honoring the stop payment\nree to hold harmless and indemnify\nncluding attorneys\xe2\x80\x99 fees incurred\nt payment.\n\nbtained under Your Account(s),\nor an Authorized User of the\non the Account, each of You\nained under the Account(s),\nor benefits from it.\n\nement or suspend Your Credit\nith or without cause. You will\nsfers or try to obtain any Cash\nunt after Your Credit privileges\nthis Agreement will otherwise\nsums due SunTrust.\n\nn the Arbitration Provision of this\ntion and enforcement thereof\ninterest rates) will be governed\nhe extent not preempted by\nthout regard to its conflicts of law\nt between any of the terms and\nderal or State law, this Agreement\nsary to comply with the applicable\nt are material to the determination\nn its home state, Georgia.\n\nr certain members of the Armed\ners\xe2\x80\x9d). The provisions of this section\nLending Act. If you would like\nered Borrower and whether this\n00-848-8372. Statement of MAPR.\nmembers of the Armed Forces and\numer credit. In general, the cost\norces and his or her dependent\n36%. This rate must include, as\n(1) the costs associated with credit\nucts sold in connection with the\nged (other than certain application\ns); and (4) any participation\nes for a credit card account).\ntary Lending Act disclosures and\nnt, please call 1-800-848-8372.\nWaiver, and Arbitration Provision.\nArbitration Provision set forth in this\nthe Military Lending Act.\n\nTHE MILITARY LENDING ACT AND TO\nOR ANY MATTERS NOT SUBMITTED\nKNOWINGLY, VOLUNTARILY,\nGHT TO A TRIAL BY JURY IN\nHIS AGREEMENT, RELATING TO THE\nOTHER DISPUTE OR CONTROVERSY\nTRUST\xe2\x80\x99S EMPLOYEES, OFFICERS,\nSUBSIDIARIES, AFFILIATES,\n\nLitigation Class Action Waiver\nTO THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED\nTO ARBITRATION, YOU AND SUNTRUST HEREBY AGREE THAT ANY LITIGATION\nARISING OUT OF THIS AGREEMENT, RELATING TO THE ACCOUNT, ANY CREDIT\nTRANSACTION, OR ANY OTHER DISPUTE OR CONTROVERSY BETWEEN YOU AND\nSUNTRUST OR ANY OF SUNTRUST\xe2\x80\x99S EMPLOYEES, OFFICERS, DIRECTORS, PARENTS,\nCONTROLLING PERSONS, SUBSIDIARIES, AFFILIATES, SUCCESSORS AND ASSIGNS\nWILL PROCEED ON AN INDIVIDUAL BASIS AND WILL NOT PROCEED AS PART OF A\nCLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION OR\nOTHER REPRESENTATIVE ACTION AND YOU AND SUNTRUST HEREBY KNOWINGLY,\nVOLUNTARILY, INTENTIONALLY AND IRREVOCABLY WAIVE ANY RIGHT TO PROCEED\nIN 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\nadditional or replacement Cards on an expedited basis. The charge assessed by the\novernight courier will be added to Your Account Balance. From time to time, new\nproducts, optional services or enhancements (for example, insurance or Card\nregistration) may be offered on Your Account. SunTrust is not liable for these\nfeatures, services and enhancements, when they are the responsibility of a\nthird party provider. You agree to hold SunTrust harmless from any claims,\nactions or damages resulting from Your use of any of these features, services or\nenhancements, when permitted by applicable law. SunTrust reserves the right to\nadjust, add, or delete benefits and services at any time.\nCredit Inquiries\nYou authorize SunTrust to make or have made any credit, employment, and\ninvestigative inquiries that SunTrust deems appropriate related to the extension\nor collection of Credit under the Account. If You dispute credit information\nSunTrust is reporting about You, You may notify SunTrust at Cardholder Services,\nAttention: Dispute Department, P.O. Box 620548, Orlando, FL 32862-0548.\nConsumer Reporting Agencies (Credit Bureaus)\nIt is standard banking industry practice and within federal and state law for SunTrust\nroutinely to provide data about customer loan repayment and transactions to\nconsumer reporting agencies and other creditors. SunTrust may report information\nabout Your Account(s) to credit bureaus. Late Payments, missed payments, or\nother 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,\ncommunicate information about SunTrust\xe2\x80\x99s experiences and transactions with\nYou to consumer reporting agencies, SunTrust\xe2\x80\x99s affiliates, and others who may\nproperly receive that information. You may refer to SunTrust\xe2\x80\x99s Privacy Statement\nfor more details about how SunTrust collects, uses, retains, discloses, and\nsafeguards information about You and Your Account. SunTrust\xe2\x80\x99s Privacy Statement\nis provided when consumer Cardholders establish a customer relationship with\nSunTrust, once each year while Cardholders maintain a customer relationship\nwith SunTrust, and at other times required by law. You may request an additional\ncopy of SunTrust\xe2\x80\x99s Privacy Statement by calling SunTrust at 866.732.1683\nor sending a written request to SunTrust at Cardholder Services, Attention:\nCustomer Service, P.O. Box 621629, Orlando, 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\nrights under the Agreement for any reason will not mean that SunTrust will be\nunable to exercise those rights later.\nSeverability\nThe invalidity of any provision of the Agreement will not affect the validity of any\nother provision.\nEntire Agreement\nThis Agreement, as modified from time to time in accordance with applicable law\nby any change in terms that SunTrust will deliver to You (in writing or via update\nto Agreement terms that are published at www.suntrust.com/personal-banking/\ncredit-cards), constitutes the entire Agreement between You and SunTrust, and\nsupersedes any prior negotiation or understanding between You and SunTrust\nconcerning 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\nused for any transaction permitted by law in accordance with this Agreement. You\nagree that illegal use of any financial service will be deemed an action of Default\nand/or breach of contract and that SunTrust may terminate any such financial\nservice and/or other related services at SunTrust\xe2\x80\x99s discretion. You will remain\nresponsible for paying for a transaction, even if it is not permissible. If any illegal\nuse occurs, You also agree to waive any right to sue SunTrust for such illegal use\nor any activity directly or indirectly related to it and indemnify and hold SunTrust\nharmless from any suits or other legal action or liability, directly or indirectly,\nresulting from such illegal use.\n\n\x0cEmergency Card Replacement and Cash Disbursement\nYou and any Authorized User agree and authorize SunTrust to provide Your\npersonal data to the Card Association, its members, or their respective\ncontractors for the purpose of providing Emergency Card Replacement and\nEmergency Cash Disbursement benefits to You on Your Account.\nArbitration Provision\nREAD THIS PROVISION CAREFULLY AS IT WILL HAVE A SUBSTANTIAL IMPACT ON HOW\nDISPUTES AND CLAIMS YOU AND WE HAVE AGAINST EACH OTHER ARE RESOLVED.\nYOU HAVE THE RIGHT TO REJECT THIS ARBITRATION AGREEMENT AS SET FORTH\nBELOW. If You do not reject this arbitration agreement, for a Claim subject to\narbitration, neither You nor we will have the right to: (1) have a court or a jury\ndecide the Claim; (2) engage in information-gathering (discovery) to the same\nextent as in court; (3) participate in a class action in court or in arbitration; or (4)\njoin or consolidate a Claim with claims of any other person. The right to appeal\nis more limited in arbitration than in court and other rights in court may be\nunavailable or limited in arbitration.\nClaims Subject to Arbitration. A \xe2\x80\x9cClaim\xe2\x80\x9d subject to arbitration is any claim, dispute\nor controversy between You and us (other than an Excluded Claim or Proceeding\nas set forth below), whether preexisting, present or future, which arises out of or\nrelates to the Account, these rules and regulations, any transaction conducted with\nus in connection with the Account or these rules and regulations, or our relationship.\n\xe2\x80\x9cClaim\xe2\x80\x9d has the broadest possible meaning and includes initial claims, counterclaims,\ncross-claims, third- party claims and federal, state, local and administrative claims.\nIt includes disputes based upon contract, tort, consumer rights, fraud and other\nintentional torts, constitution, statute, regulation, ordinance, common law and equity\nand includes claims for money damages and injunctive or declaratory relief. \xe2\x80\x9cClaim\xe2\x80\x9d\nalso includes disputes concerning communications involving telephones, cell phones,\nautomatic dialing systems, artificial or prerecorded voice messages, text messages,\nemails or facsimile machines and alleged violations of the Telephone Consumer\nProtection Act and other statutes or regulations involving telemarketing. Upon the\ndemand of You or us, Claim(s) will be resolved by individual (not class or classwide) binding arbitration in accordance with the terms specified in this arbitration\nagreement.\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\nthese rules and regulations, also refer to SunTrust\xe2\x80\x99s employees, officers, directors,\nparents, controlling persons, subsidiaries, affiliates, successors and assigns. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d\nand \xe2\x80\x9cour\xe2\x80\x9d also apply to third parties if You assert a Claim against such third parties in\nconnection with a Claim You 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\nscope of this arbitration agreement or any part thereof (including, without limitation,\nthe Class Action Waiver set forth below, this sentence, and/or the last sentence of\nthe Survival and Severability paragraph below); all such disputes or controversies are\nfor a court and not an arbitrator to decide. However, any dispute or controversy that\nconcerns the validity or enforceability of the rules and regulations as a whole is for\nthe arbitrator, not a court, to decide. In addition, the following claims or proceedings\nwill not be subject to this arbitration agreement: (1) any individual action brought\nby You or us in small claims court or Your state\xe2\x80\x99s equivalent court, unless such action\nis transferred, removed, or appealed to a different court; (2) the exercising of any\nself-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\nis limited to preventing the other party from using a self- help remedy and that does\nnot involve a request for damages or monetary relief of any kind. The institution and/\nor maintenance of any such right, action or litigation shall not constitute a waiver of\nthe right of either of the parties to compel arbitration regarding any other dispute\nsubject to arbitration pursuant to this arbitration agreement. Moreover, this arbitration\nagreement will not apply to any Claims that are the subject of (a) a class action\nfiled in court that is pending as of the effective date of this arbitration agreement\nin which You are alleged to be a member of the putative class (however, You and we\nwill continue to be bound by any prior version of this arbitration agreement), or (b)\na motion to compel arbitration filed by us against You before the effective date of\nthis 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\nthese rules and regulations, the parties agree and acknowledge that this agreement\nevidences a transaction involving interstate commerce and that the Federal Arbitration\nAct (Title 9 of the United States Code) (\xe2\x80\x9cFAA\xe2\x80\x9d) shall govern its interpretation and\nenforcement and proceedings pursuant thereto. To the extent state law is applicable\nunder the FAA, the law of the state governing Your account relationship with us shall\napply.\nArbitration Class Action Waiver. Notwithstanding any other provision of these rules\nand regulations, if either You or we elect to arbitrate a Claim, neither You nor we will\nhave the right: (a) to participate in a class action, private attorney general action or\nother representative action in court or in arbitration, either as a class representative\nor class member; or (b) to join or consolidate Claims with claims of any other persons.\nNo arbitrator shall have authority to conduct any arbitration in violation of this\nprovision. (Provided, however, that the Class Action Waiver does not apply to any\nlawsuit or administrative proceeding filed against us by a state or federal government\nagency even when such agency is seeking relief on behalf of a class of borrowers\nincluding You. This means that we will not have the right to compel arbitration of any\nclaim brought by such an agency).\nArbitration Procedures. If You or we elect to arbitrate a Claim, the electing party\nmust notify the other party in writing. This notice can be given after the beginning of a\nlawsuit and can be given in papers filed in the lawsuit. Otherwise, Your notice must be\n\nsent to SunTrust Bank Legal Departmen\nMail Code 0643, 303 Peachtree Street,\nour notice must be sent to the most re\nhearing that You attend must take plac\nparty files a lawsuit in court asserting C\nother party files a motion to compel ar\nbe the responsibility of the party prose\nproceeding with an arbitration adminis\nagreement and the administrator\xe2\x80\x99s rule\nto litigate a Claim in court, You or we m\nmade by a new party or any Claim late\nor unrelated lawsuit (including a Claim\nmodified to be asserted on a class, rep\nlitigation shall constitute a waiver of a\nA single arbitrator will be appointed by\nagree otherwise, must be a practicing\nor a retired judge. The arbitrator will n\nand evidence that would apply in a cou\narbitration provisions or proceedings. T\nof limitation and claims of privilege rec\nliability or awarding damages or other\nsubstantive law, consistent with these\napply if the matter had been brought i\nor other relief or remedies that would\naction brought in court. For Claim(s) th\nrequest, we will pay all filing, hearing\nand arbitrator to You for Claim(s) asser\nan amount equivalent to the fee, if any\ncourt (whichever is less) in the judicial\npaid a filing fee for asserting the Claim\nthat amount again. In addition, the adm\nYou can seek a waiver of fees charged\nWe will always pay any fees or expense\nadministrator\xe2\x80\x99s rules or that we are req\nto be enforced. The arbitrator will hav\nwitness fees and costs to the extent pe\nthe administrator\xe2\x80\x99s rules or applicable\nreasonable attorneys\xe2\x80\x99 and expert witne\nprevail on Claim(s) You assert against u\nYou, or (b) to the extent required unde\nto be enforced. The arbitrator shall wr\ndecision. A judgment on the award may\nSurvival and Severability. This arbitra\nAccount and the termination of any rel\nof these rules and regulations. If any p\nor found to be unenforceable for any r\nexcept that: (a) The parties to these ru\nAction Waiver is material and essential\nthe parties and is non severable from t\nWaiver is limited, voided or found unen\narbitration agreement (except for this\nsuch Claim(s) (but not as to any other C\nsubject to the right to appeal the limit\nThe parties acknowledge and agree tha\narbitrated; and (b) If a Claim is brough\ndetermines that the restrictions in the\nelsewhere in this agreement prohibitin\nof third parties are unenforceable with\nbecomes final after all appeals have be\nrelief will be determined in court and a\nwill be arbitrated. In such a case the p\nfor public injunctive relief until the arb\nhas been entered in court. In no event\narbitrated.\nEffect of Arbitration Award. The arbit\nparties, except for any right of appeal\nthe Claim exceeds $150,000 or involves\nthat could foreseeably involve a cost o\nany party can, within thirty (30) days a\nappeal the award to a three- arbitrator\npanel shall reconsider anew any aspect\nparty. The decision of the panel shall b\nprovision to \xe2\x80\x9cthe arbitrator\xe2\x80\x9d shall mea\ndecision has been taken. The costs of s\nthe above paragraph titled \xe2\x80\x9cArbitration\npanel is subject to judicial review only\naward involving the parties will have a\ndispute involving anyone who is not a p\naward in prior disputes involving other\nbetween the parties to this agreement\nNotice and Cure; Special Payment. Pr\nwritten Claim Notice describing the ba\naccept in resolution of the Claim, and\n(30) days, to resolve the Claim. Such a\nmail, return receipt requested, at SunT\nCounsel- Claim Notice, Mail Code 0643\nGeorgia 30308. This is the sole and onl\nNotice. If (i) You submit a Claim Notice\nbehalf (and not on behalf of any other\n\n\x0cbursement\norize SunTrust to provide Your\nmbers, or their respective\ngency Card Replacement and\non Your Account.\n\nAVE A SUBSTANTIAL IMPACT ON HOW\nNST EACH OTHER ARE RESOLVED.\nTION AGREEMENT AS SET FORTH\nreement, for a Claim subject to\night to: (1) have a court or a jury\nthering (discovery) to the same\nion in court or in arbitration; or (4)\nother person. The right to appeal\nother rights in court may be\n\nt to arbitration is any claim, dispute\nn Excluded Claim or Proceeding\nt or future, which arises out of or\nns, any transaction conducted with\nand regulations, or our relationship.\nncludes initial claims, counterclaims,\nte, local and administrative claims.\nonsumer rights, fraud and other\nn, ordinance, common law and equity\nnctive or declaratory relief. \xe2\x80\x9cClaim\xe2\x80\x9d\nns involving telephones, cell phones,\ned voice messages, text messages,\nons of the Telephone Consumer\nnvolving telemarketing. Upon the\ny individual (not class or classterms specified in this arbitration\n\nolely for purposes of this arbitration\naddition to the meanings set forth in\nt\xe2\x80\x99s employees, officers, directors,\nes, successors and assigns. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d\nt a Claim against such third parties in\n\nthe foregoing, \xe2\x80\x9cClaim\xe2\x80\x9d does not\nidity, enforceability, coverage or\nhereof (including, without limitation,\nence, and/or the last sentence of\nall such disputes or controversies are\never, any dispute or controversy that\nes and regulations as a whole is for\n, the following claims or proceedings\n: (1) any individual action brought\nequivalent court, unless such action\nent court; (2) the exercising of any\nthe paragraph below titled \xe2\x80\x9cRight of\nal action in court by one party that\nng a self- help remedy and that does\nelief of any kind. The institution and/\nation shall not constitute a waiver of\nration regarding any other dispute\nn agreement. Moreover, this arbitration\nthe subject of (a) a class action\ndate of this arbitration agreement\nputative class (however, You and we\nthis arbitration agreement), or (b)\nt You before the effective date of\nrsion of this arbitration agreement\nby any prior version of this arbitration\n\noice of law or other provision in\nd acknowledge that this agreement\nmerce and that the Federal Arbitration\nhall govern its interpretation and\nTo the extent state law is applicable\nur account relationship with us shall\n\ng any other provision of these rules\ntrate a Claim, neither You nor we will\nn, private attorney general action or\ntion, either as a class representative\naims with claims of any other persons.\ny arbitration in violation of this\nion Waiver does not apply to any\nt us by a state or federal government\non behalf of a class of borrowers\nthe right to compel arbitration of any\n\nbitrate a Claim, the electing party\ne can be given after the beginning of a\nwsuit. Otherwise, Your notice must be\n\nsent to SunTrust Bank Legal Department, Attn: General Counsel- Arbitration Election,\nMail Code 0643, 303 Peachtree Street, N.E., 9th Floor, Atlanta, Georgia 30308, and\nour notice must be sent to the most recent address for You in our files. Any arbitration\nhearing that You attend must take place in a venue reasonably convenient to You. If a\nparty files a lawsuit in court asserting Claim(s) that are subject to arbitration and the\nother party files a motion to compel arbitration with the court which is granted, it will\nbe the responsibility of the party prosecuting the Claim(s) to commence the arbitration\nproceeding with an arbitration administrator in accordance with this arbitration\nagreement and the administrator\xe2\x80\x99s rules and procedures. Even if all parties have opted\nto litigate a Claim in court, You or we may elect arbitration with respect to any Claim\nmade by a new party or any Claim later asserted by a party in that or any related\nor unrelated lawsuit (including a Claim initially asserted on an individual basis but\nmodified to be asserted on a class, representative or multi-party basis). Nothing in that\nlitigation shall constitute a waiver of any rights under this arbitration agreement.\nA single arbitrator will be appointed by the administrator and, unless You and us\nagree otherwise, must be a practicing attorney with ten or more years of experience\nor a retired judge. The arbitrator will not be bound by judicial rules of procedure\nand evidence that would apply in a court, nor by state or local laws that relate to\narbitration provisions or proceedings. The arbitrator will honor and enforce statutes\nof limitation and claims of privilege recognized under applicable law. In determining\nliability or awarding damages or other relief, the arbitrator will follow the applicable\nsubstantive law, consistent with these rules and regulations and the FAA, that would\napply if the matter had been brought in court. The arbitrator may award any damages\nor other relief or remedies that would apply under applicable law to an individual\naction brought in court. For Claim(s) that total less than $75,000 and at Your written\nrequest, we will pay all filing, hearing and/or other fees charged by the administrator\nand arbitrator to You for Claim(s) asserted by You in arbitration after You have paid\nan 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\npaid a filing fee for asserting the Claim(s) in court, You will not be required to pay\nthat amount again. In addition, the administrator may have a procedure whereby\nYou can seek a waiver of fees charged to You by the administrator and arbitrator.\nWe will always pay any fees or expenses that we are required to pay by law or the\nadministrator\xe2\x80\x99s rules or that we are required to pay for this arbitration agreement\nto be enforced. The arbitrator will have the authority to award attorneys and expert\nwitness fees and costs to the extent permitted by either these rules and regulations,\nthe 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\nprevail on Claim(s) You assert against us in an individual arbitration commenced by\nYou, or (b) to the extent required under applicable law for this arbitration agreement\nto be enforced. The arbitrator shall write a brief explanation of the grounds for the\ndecision. A judgment on the award 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\nof these rules and regulations. If any part of this arbitration agreement is deemed\nor found to be unenforceable for any reason, the remainder shall be enforceable,\nexcept that: (a) The parties to these rules and regulations acknowledge that the Class\nAction Waiver is material and essential to the arbitration of any disputes between\nthe parties and is non severable from this arbitration agreement. If the Class Action\nWaiver is limited, voided or found unenforceable as to any Claim(s), then the parties\xe2\x80\x99\narbitration agreement (except for this sentence) shall be null and void with respect to\nsuch Claim(s) (but not as to any other Claim(s) that have been or are later brought),\nsubject to the right to appeal the limitation or invalidation of the Class Action Waiver.\nThe parties acknowledge and agree that under no circumstances will a class action be\narbitrated; 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\nelsewhere in this agreement prohibiting the arbitrator from awarding relief on behalf\nof third parties are unenforceable with respect to such Claim (and that determination\nbecomes final after all appeals have been exhausted), the Claim for public injunctive\nrelief will be determined in court and any individual Claims seeking monetary relief\nwill be arbitrated. In such a case the parties will request that the court stay the Claim\nfor public injunctive relief until the arbitration award pertaining to individual relief\nhas been entered in court. In no event will a Claim for public injunctive relief be\narbitrated.\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\nthe Claim exceeds $150,000 or involves a request for injunctive or declaratory relief\nthat could foreseeably involve a cost or benefit to either party exceeding $150,000,\nany party can, within thirty (30) days after the entry of the award by the arbitrator,\nappeal the award to a three- arbitrator panel administered by the Administrator. The\npanel shall reconsider anew any aspect of the initial award requested by the appealing\nparty. The decision of the panel shall be by majority vote. Reference in this arbitration\nprovision to \xe2\x80\x9cthe arbitrator\xe2\x80\x9d shall mean the panel if an appeal of the arbitrator\xe2\x80\x99s\ndecision has been taken. The costs of such an appeal will be borne in accordance with\nthe above paragraph titled \xe2\x80\x9cArbitration Procedures.\xe2\x80\x9d Any final decision of the appeal\npanel is subject to judicial review only as provided under the FAA. No arbitration\naward involving the parties will have any preclusive effect as to issues or claims in any\ndispute 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\nwritten Claim Notice describing the basis of Your Claim and the amount You would\naccept in resolution of the Claim, and a reasonable opportunity, not less than thirty\n(30) days, to resolve the Claim. Such a Claim Notice must be sent to us by certified\nmail, return receipt requested, at SunTrust Bank Legal Department, Attn: General\nCounsel- Claim Notice, Mail Code 0643, 303 Peachtree Street, N.E., 9th Floor, Atlanta,\nGeorgia 30308. This is the sole and only method by which You can submit a Claim\nNotice. If (i) You submit a Claim Notice in accordance with this Paragraph on Your own\nbehalf (and not on behalf of any other party); (ii) You cooperate with us by promptly\n\nproviding the information we reasonabl\nthe relief You request; and (iv) the mat\narbitrator subsequently determines tha\nrelief), You will be entitled to a minimu\narbitration fees and attorneys\xe2\x80\x99 fees and\nencourage You to address all Claims You\narbitration. Accordingly, this $7,500 mi\nall Claims You have asserted or could ha\nawards of $7,500 are not contemplated\nRight to Reject Arbitration Agreement\ntherefore not be subject to being requi\nby arbitration. To reject this arbitration\nsend us written notice of Your decision\nbelow within forty-five (45) days of the\ninclude a statement that You wish to re\nrules and regulations along with Your na\nand Your signature and must be mailed\nArbitration Rejection, P.O. Box 4418, M\nis the sole and only method by which Yo\nany attempt to reject this arbitration a\nother method or form of notice, includi\nYou agree that Your rejection of this arb\nother person or entity or be deemed to\nby any person or entity other than You.\nagreement eliminate the obligation of o\narbitration agreement to personally com\nthis paragraph. Rejection of this arbitra\nterms of these rules and regulations an\nYou or Your Account. You agree that our\nwith respect to whether You rejected t\nfashion. This arbitration agreement pr\nAccount unless You reject it by provid\n\nYour Billing Rights\nKeep this notice for future use. It in\nresponsibilities under the Fair Credi\n\nWhat to do if You find a mistake on\n\xe2\x80\xa2 If You think there is an error on You\n\xe2\x97\xa6 SunTrust Bank\nCardholder Services, P.O. Box 62\nAttn: Dispute Department\n\xe2\x80\xa2 In Your letter, give SunTrust the fol\n\xe2\x97\xa6 Account information: Your nam\n\xe2\x97\xa6 Dollar amount: The amount of t\n\xe2\x97\xa6 Description of problem: If You t\ndescribe what You believe is wr\n\xe2\x80\xa2 You must contact SunTrust:\n\xe2\x97\xa6 Within 60 days after the error ap\n\xe2\x97\xa6 At least 3 business days before a\nwant to stop payment on the am\n\xe2\x80\xa2 You must notify SunTrust of any pot\nSunTrust, but SunTrust is not requir\nYou may have to pay the amount in\nthe suspected error.\n\n\x0ceneral Counsel- Arbitration Election,\nFloor, Atlanta, Georgia 30308, and\ness for You in our files. Any arbitration\nue reasonably convenient to You. If a\nat are subject to arbitration and the\nwith the court which is granted, it will\nClaim(s) to commence the arbitration\nccordance with this arbitration\ncedures. Even if all parties have opted\narbitration with respect to any Claim\nby a party in that or any related\nsserted on an individual basis but\ne or multi-party basis). Nothing in that\nnder this arbitration agreement.\nnistrator and, unless You and us\nwith ten or more years of experience\nnd by judicial rules of procedure\nstate or local laws that relate to\ntor will honor and enforce statutes\nnder applicable law. In determining\narbitrator will follow the applicable\negulations and the FAA, that would\nhe arbitrator may award any damages\ner applicable law to an individual\nss than $75,000 and at Your written\nher fees charged by the administrator\nin arbitration after You have paid\nsuch Claim(s) in state or federal\nwhich You reside. If You have already\nt, You will not be required to pay\nr may have a procedure whereby\nhe administrator and arbitrator.\nare required to pay by law or the\nay for this arbitration agreement\nority to award attorneys and expert\ny either these rules and regulations,\nrbitrator shall award You Your\nd costs (a) if and to the extent You\nividual arbitration commenced by\nle law for this arbitration agreement\nexplanation of the grounds for the\ned by any court having jurisdiction.\nment shall survive the closing of Your\nbetween us, including the termination\narbitration agreement is deemed\nremainder shall be enforceable,\ngulations acknowledge that the Class\nbitration of any disputes between\ntion agreement. If the Class Action\nas to any Claim(s), then the parties\xe2\x80\x99\nshall be null and void with respect to\nat have been or are later brought),\nvalidation of the Class Action Waiver.\no circumstances will a class action be\npublic injunctive relief and a court\ntitled \xe2\x80\x9cClass Action Waiver\xe2\x80\x9d or\nrator from awarding relief on behalf\no such Claim (and that determination\nted), the Claim for public injunctive\nual Claims seeking monetary relief\nrequest that the court stay the Claim\nward pertaining to individual relief\nm for public injunctive relief be\n\nard shall be final and binding on all\nby the FAA. However, if the amount of\nfor injunctive or declaratory relief\no either party exceeding $150,000,\nntry of the award by the arbitrator,\nministered by the Administrator. The\ntial award requested by the appealing\nrity vote. Reference in this arbitration\nl if an appeal of the arbitrator\xe2\x80\x99s\npeal will be borne in accordance with\nes.\xe2\x80\x9d Any final decision of the appeal\ned under the FAA. No arbitration\nve effect as to issues or claims in any\ne arbitration, nor will an arbitration\nve preclusive effect in an arbitration\n\nating a Claim, You may give us a\nClaim and the amount You would\nle opportunity, not less than thirty\nice must be sent to us by certified\nLegal Department, Attn: General\nhtree Street, N.E., 9th Floor, Atlanta,\nby which You can submit a Claim\nance with this Paragraph on Your own\nYou cooperate with us by promptly\n\nproviding 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\narbitrator subsequently determines that You were entitled to such relief (or greater\nrelief), You will be entitled to a minimum award of at least $7,500 (not including any\narbitration fees and attorneys\xe2\x80\x99 fees and costs to which You will also be entitled). We\nencourage You to address all Claims You have in a single Claim Notice and/or a single\narbitration. Accordingly, this $7,500 minimum award is a single award that applies to\nall Claims You have asserted or could have asserted in the arbitration, and multiple\nawards 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\nby arbitration. To reject this arbitration agreement, You and only You personally, must\nsend us written notice of Your decision so that we receive it at the address listed\nbelow within forty-five (45) days of the opening of Your Account. Such notice must\ninclude a statement that You wish to reject the arbitration agreement section of these\nrules and regulations along with Your name, address, Account name, Account number\nand Your signature and must be mailed to the SunTrust Bank Legal Department, Attn:\nArbitration Rejection, P.O. Box 4418, Mail Code 0643, Atlanta, GA 30302-4418. This\nis the sole and only method by which You can reject this arbitration agreement and\nany attempt to reject this arbitration agreement by any other person or through any\nother method or form of notice, including the filing of a lawsuit, will be ineffective.\nYou agree that Your rejection of this arbitration agreement shall not be imputed to any\nother 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\nagreement eliminate the obligation of other persons or entities who wish to reject this\narbitration agreement to personally comply with the notice and time requirements of\nthis paragraph. Rejection of this arbitration agreement will not affect any remaining\nterms of these rules and regulations and will not result in any adverse consequence to\nYou or Your Account. You agree that our business records will be final and conclusive\nwith respect to whether You rejected this arbitration agreement in a timely and proper\nfashion. This arbitration agreement provision will apply to You and us and to Your\nAccount unless You reject it by providing 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\nresponsibilities under the Fair Credit Billing Act.\nWhat to do if You find a mistake on Your Statement\n\xe2\x80\xa2 If You think there is an error on Your Statement, write SunTrust at:\n\xe2\x97\xa6 SunTrust Bank\nCardholder Services, P.O. Box 620548, Orlando, FL 32862-0548\nAttn: Dispute Department\n\xe2\x80\xa2 In Your letter, give SunTrust the following information:\n\xe2\x97\xa6 Account information: Your name and Account number\n\xe2\x97\xa6 Dollar amount: The amount of the suspected error\n\xe2\x97\xa6 Description of problem: If You think there is an error on Your Statement,\ndescribe what You believe is wrong and why You believe it is a mistake.\n\xe2\x80\xa2 You must contact SunTrust:\n\xe2\x97\xa6 Within 60 days after the error appeared on Your statement.\n\xe2\x97\xa6 At least 3 business days before an automated payment is scheduled, if You\nwant to stop payment on the amount You think is wrong.\n\xe2\x80\xa2 You must notify SunTrust of any potential errors in writing. You may also call\nSunTrust, but SunTrust is not required to investigate any potential errors and\nYou may have to pay the amount in question unless You provide written notice of\nthe suspected error.\n\nWhat will happen after SunTrust re\n\xe2\x80\xa2 When SunTrust receives Your letter,\n\xe2\x97\xa6 Within 30 days of receiving Your\nSunTrust received Your letter; S\nalready corrected the error.\n\xe2\x97\xa6 Within 90 days after receiving Yo\nerror or explain to You why SunT\n\xe2\x80\xa2 While SunTrust investigates whether\n\xe2\x97\xa6 SunTrust may not (1) attempt to\nYou as delinquent on that amoun\n\xe2\x97\xa6 The charge in question may rem\ncontinue to charge You interest\n\xe2\x97\xa6 While You do not have to pay the\nthe remainder of Your Balance;\n\xe2\x97\xa6 SunTrust may apply any unpaid a\n\xe2\x80\xa2 After SunTrust finishes the investiga\n\xe2\x97\xa6 If SunTrust made a mistake, You\nor any interest or other fees rela\n\xe2\x97\xa6 If SunTrust does not believe the\nthe amount in question, along w\nwill send You a statement of the\ndue; and SunTrust may then rep\namount SunTrust states that You\n\xe2\x80\xa2 If You receive SunTrust\xe2\x80\x99s explanatio\nmust write to SunTrust within 10 da\nto pay. If You do so, SunTrust canno\nreporting that You are questioning Y\nof anyone to whom SunTrust reporte\nthose organizations know when the m\nand You.\n\xe2\x80\xa2 If SunTrust does not follow all of the\nfirst $50 of the amount You question\n\nYour rights If You are dissatisfied w\n\xe2\x80\xa2 If You are dissatisfied with the goods\nCard/Account, and You have tried in\nmerchant, You may have the right no\nPurchase. To use this right, all of th\n\xe2\x97\xa6 The Purchase must have been m\nof Your current mailing address,\nmore than $50. (Note: Neither o\nwas based on an advertisement S\nthe company that sold You the g\n\xe2\x97\xa6 You must have used Your Card f\nadvances from an ATM or with a\nqualify.\n\xe2\x97\xa6 You must not yet have fully paid\n\xe2\x80\xa2 If all of the criteria above are met a\npurchase, contact SunTrust in writin\n\xe2\x97\xa6 SunTrust Bank\nCardholder Services, P.O. Box 62\nAttn: Dispute Department\nWhile SunTrust investigates, the same\ndiscussed above. After SunTrust finish\nSunTrust\xe2\x80\x99s decision. At that point, if S\ndo not pay, SunTrust may report You a\n\nDefinitions\nAccount \xe2\x80\x93 The credit card Account(s)\nsubject to the terms and conditions o\nAgreement \xe2\x80\x93 Your Card Account Agree\ncontract is made up of these terms an\nSunTrust\xe2\x80\x99s solicitation, and the docum\n(Card Mailer).\nAPR (Annual Percentage Rate) \xe2\x80\x93 The\nAPRs may apply to different Balances\nPurchases or Your Balance on Cash Adv\nto calculate the Interest Charge that Y\ndiscloses applicable APRs and whether\nNon-Variable APR.\nNon-Variable APR \xe2\x80\x93 The DPR subjec\nAPR that does not vary with change\nthe APR for the Non-Variable Rate a\nVariable APR \xe2\x80\x93The variable APR wi\nThe Card Mailer discloses the APR\nIndex Rate may result in a higher M\nAssign \xe2\x80\x93 SunTrust Assigns Your Account\ntransfers to another party any or all o\nthis Agreement, including any amount\nSunTrust Assigns Your Account, the par\nSunTrust\xe2\x80\x99s rights under this Agreemen\nAuthorized Charges \xe2\x80\x93 Any Purchases,\nAdvances, and Promotional Balances t\nAccount and any fees and Interest Cha\n\n\x0c(iii) we refuse to provide You with\nroceeds to arbitration and the\nentitled to such relief (or greater\nof at least $7,500 (not including any\nwhich You will also be entitled). We\nsingle Claim Notice and/or a single\nard is a single award that applies to\ned in the arbitration, and multiple\n\nreject this arbitration agreement and\nolve any claim, dispute or controversy\nnt, You and only You personally, must\nreceive it at the address listed\nf Your Account. Such notice must\nrbitration agreement section of these\ness, Account name, Account number\nTrust Bank Legal Department, Attn:\n643, Atlanta, GA 30302-4418. This\nect this arbitration agreement and\nby any other person or through any\nng of a lawsuit, will be ineffective.\ngreement shall not be imputed to any\nction of this arbitration agreement\nYour rejection of this arbitration\nons or entities who wish to reject this\nthe notice and time requirements of\nement will not affect any remaining\nresult in any adverse consequence to\nrecords will be final and conclusive\ntion agreement in a timely and proper\nill apply to You and us and to Your\nr and timely notice as stated herein.\n\nu about Your rights and SunTrust\xe2\x80\x99s\nAct.\n\ntement\nent, write SunTrust at:\n\nando, FL 32862-0548\n\normation:\nount number\nted error\nis an error on Your Statement,\nhy You believe it is a mistake.\n\nn Your statement.\nted payment is scheduled, if You\nthink is wrong.\nors in writing. You may also call\nestigate any potential errors and\nunless You provide written notice of\n\nWhat will happen after SunTrust receives Your letter\n\xe2\x80\xa2 When SunTrust receives Your letter, SunTrust must do two things:\n\xe2\x97\xa6 Within 30 days of receiving Your letter, SunTrust must inform You that\nSunTrust received Your letter; SunTrust will also inform You if SunTrust has\nalready corrected the error.\n\xe2\x97\xa6 Within 90 days after receiving Your letter, SunTrust must either correct the\nerror or explain to You why SunTrust believes the bill is correct.\n\xe2\x80\xa2 While SunTrust investigates whether or not there has been an error:\n\xe2\x97\xa6 SunTrust may not (1) attempt to collect the amount in question or (2) report\nYou as delinquent on that amount;\n\xe2\x97\xa6 The charge in question may remain on Your Statement, and SunTrust may\ncontinue to charge You interest on that amount;\n\xe2\x97\xa6 While You do not have to pay the amount in question, You are responsible for\nthe remainder of Your Balance; and\n\xe2\x97\xa6 SunTrust may apply any unpaid amount against Your Credit Limit.\n\xe2\x80\xa2 After SunTrust finishes the investigation, one of two things will happen:\n\xe2\x97\xa6 If SunTrust made a mistake, You will not have to pay the amount in question\nor any interest or other fees related to that amount; or\n\xe2\x97\xa6 If SunTrust does not believe there was a mistake, You will have to pay\nthe amount in question, along with applicable interest and fees; SunTrust\nwill send You a statement of the amount You owe and the date payment is\ndue; and SunTrust may then report You as delinquent if You do not pay the\namount SunTrust states that You owe.\n\xe2\x80\xa2 If You receive SunTrust\xe2\x80\x99s explanation but still believe Your bill is wrong, You\nmust write to SunTrust within 10 days telling SunTrust that You still refuse\nto pay. If You do so, SunTrust cannot report You as delinquent without also\nreporting that You are questioning Your bill. SunTrust must tell You the name\nof anyone to whom SunTrust reported You as delinquent, and SunTrust must let\nthose organizations know when the matter has been settled between SunTrust\nand You.\n\xe2\x80\xa2 If SunTrust does not follow all of the rules above, You do not have to pay the\nfirst $50 of the amount You question even if Your bill is correct.\nYour rights If You are dissatisfied with a Purchase\n\xe2\x80\xa2 If You are dissatisfied with the goods or services that You Purchase with Your\nCard/Account, and You have tried in good faith to correct the problem with the\nmerchant, You may have the right not to pay the remaining amount due on the\nPurchase. To use this right, all of the following must be true:\n\xe2\x97\xa6 The Purchase must have been made in Your home state or within 100 miles\nof Your current mailing address, and the purchase price must have been\nmore than $50. (Note: Neither of these conditions applies if Your Purchase\nwas based on an advertisement SunTrust mailed to You, or if SunTrust owns\nthe company that sold You the goods or services.)\n\xe2\x97\xa6 You must have used Your Card for the Purchase. Purchases made with cash\nadvances from an ATM or with a check that accesses Your Account do not\nqualify.\n\xe2\x97\xa6 You must not yet have fully paid for the Purchase.\n\xe2\x80\xa2 If all of the criteria above are met and You are still dissatisfied with the\npurchase, contact SunTrust in writing at:\n\xe2\x97\xa6 SunTrust Bank\nCardholder Services, P.O. Box 620548, Orlando, FL 32862-0548\nAttn: Dispute Department\nWhile SunTrust investigates, the same rules apply to the disputed amount as\ndiscussed above. After SunTrust finishes the investigation, SunTrust will tell You\nSunTrust\xe2\x80\x99s decision. At that point, if SunTrust thinks You owe an amount and You\ndo 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\nsubject to the terms and conditions of this Agreement.\nAgreement \xe2\x80\x93 Your Card Account Agreement with SunTrust for the Account, which\ncontract is made up of these terms and conditions, Your application or response to\nSunTrust\xe2\x80\x99s solicitation, and the documents that accompany delivery of Your Card\n(Card Mailer).\nAPR (Annual Percentage Rate) \xe2\x80\x93 The cost of Your Credit as a yearly rate. Different\nAPRs may apply to different Balances on Your Account, such as Your Balance on\nPurchases or Your Balance on Cash Advances. SunTrust uses the applicable APR\nto calculate the Interest Charge that You owe on the Account. The Card Mailer\ndiscloses applicable APRs and whether the Account is subject to a Variable or\nNon-Variable APR.\nNon-Variable APR \xe2\x80\x93 The DPR subject to the Non-Variable Rate will be based on an\nAPR that does not vary with changes in an Index Rate. The Card Mailer discloses\nthe APR for the Non-Variable Rate as of the date Your Account was opened.\nVariable APR \xe2\x80\x93The variable APR will be based on the Index Rate plus a Margin.\nThe Card Mailer discloses the APR for the Variable Rate. An increase in the\nIndex Rate may result in a higher Minimum Payment.\nAssign \xe2\x80\x93 SunTrust Assigns Your Account and this Agreement if SunTrust sells or\ntransfers to another party any or all of SunTrust\xe2\x80\x99s rights or obligations under\nthis Agreement, including any amount that You owe SunTrust on the Account. If\nSunTrust Assigns Your Account, the party who receives the assignment will have\nSunTrust\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\nAdvances, and Promotional Balances that You or any Authorized User makes on the\nAccount and any fees and Interest Charges owing on the Account.\n\nAuthorized User \xe2\x80\x93 Any person You auth\nor not and whether or not such use ex\nAverage Daily Balance \xe2\x80\x93 To get the Ave\noutstanding Balance (including new tra\ncredits) for each transaction type for e\nadds together all the daily Balances fo\ndivides by the number of days in the B\nBalance \xe2\x80\x93 Every charge on the Account\nInterest Charges and fees that SunTrus\nsuch as the Balance on Purchases, Bala\nAdvances, and Promotional Balances. F\nare assigned to the same Balance as th\ncash advance fee on a Purchase is assi\nare not specific to a given transaction\nassigned to the Balance on Purchases.\nBalance Transfer \xe2\x80\x93 Credit SunTrust ext\nYou request by any means (including te\nTransfer request form that SunTrust pr\nYou to transfer any Balance You owe fr\nSunTrust\xe2\x80\x99s respective affiliates. SunTru\nfrom other credit card companies or fi\nthe amount of Your Credit Limit. If You\nnot approve, SunTrust may process a p\namount that You requested or SunTrus\nis not liable if SunTrust does not appro\nor in part). Balance Transfer requests\nbe approved. SunTrust reserves the rig\nSunTrust selects. In order to preserve\nbalances from other credit card compa\nbalances are in dispute. You should all\ncompleted. You should continue to mo\nthe minimum payment due on those a\nthose creditors showing that the balan\nmay not happen until after the transac\nsends You. You are solely responsible f\ncharges and disputed amounts on Your\naccounts closed following a Balance Tr\nBilling Period \xe2\x80\x93 The time interval betw\nStatements. Your first Billing Period m\nincluding Minimum Interest Charges, w\nfirst Billing Period.\nCard \xe2\x80\x93 Your Card is/are the physical Ca\n(such as a check) that You or an Autho\nCard Association \xe2\x80\x93 the applicable cred\nAccount is sponsored (e.g., Visa\xc2\xae or Ma\nCardholder \xe2\x80\x93 The natural person to wh\nor application, or a natural person wh\nanother person\xe2\x80\x99s use of the Card or Ac\nCard Mailer \xe2\x80\x93 the mail that delivers You\nterms associated with Your Card Accoun\nCash Advance \xe2\x80\x93 Credit SunTrust exten\nAccount. A Cash Advance occurs when\nteller machine), (2) obtain cash from a\n(4) buy foreign currency, (5) buy trave\nlottery tickets, or (8) buy gambling ch\nCash Advance Credit Limit \xe2\x80\x93 The max\nestablishes from time to time and mak\nAdvances. Any Cash Advance Credit Lim\nCredit Limit that otherwise applies to\nis stated on the Card Mailer.\nCash Equivalent Transactions \xe2\x80\x93 Transa\nservice provider that Visa\xc2\xae or MasterCa\nforeign currency, money orders, wire t\nwagers or gambling, or similar product\nas Cash Advances on Your Account.\nClosing Date \xe2\x80\x93 The last day of a Billing\nConvenience Check \xe2\x80\x93 A check that the\nYour Account to make a Purchase or a\nCovered Provider \xe2\x80\x93 means any third p\nin connection with the Credit if (and o\nparty in connection with a Claim You a\nCredit \xe2\x80\x93 means the credit extension Yo\n\n\x0cour letter\nt must do two things:\nunTrust must inform You that\nwill also inform You if SunTrust has\n\n, SunTrust must either correct the\neves the bill is correct.\nhere has been an error:\nhe amount in question or (2) report\n\nur Statement, and SunTrust may\nmount;\nin question, You are responsible for\n\ngainst Your Credit Limit.\nof two things will happen:\nhave to pay the amount in question\nat amount; or\nmistake, You will have to pay\nable interest and fees; SunTrust\nYou owe and the date payment is\ns delinquent if You do not pay the\n\nbelieve Your bill is wrong, You\nSunTrust that You still refuse\nYou as delinquent without also\nSunTrust must tell You the name\ndelinquent, and SunTrust must let\ns been settled between SunTrust\n\nove, You do not have to pay the\nYour bill is correct.\n\nchase\nces that You Purchase with Your\nth to correct the problem with the\nthe remaining amount due on the\nng must be true:\nour home state or within 100 miles\npurchase price must have been\nonditions applies if Your Purchase\nmailed to You, or if SunTrust owns\nervices.)\nrchase. Purchases made with cash\nat accesses Your Account do not\n\nPurchase.\ne still dissatisfied with the\n\nando, FL 32862-0548\n\nply to the disputed amount as\nestigation, SunTrust will tell You\nthinks You owe an amount and You\nuent.\n\napproves for Your use that is/are\neement.\nh SunTrust for the Account, which\nons, Your application or response to\naccompany delivery of Your Card\n\nour Credit as a yearly rate. Different\nccount, such as Your Balance on\nunTrust uses the applicable APR\non the Account. The Card Mailer\nount is subject to a Variable or\n\nNon-Variable Rate will be based on an\ndex Rate. The Card Mailer discloses\ndate Your Account was opened.\nd on the Index Rate plus a Margin.\nariable Rate. An increase in the\nPayment.\nAgreement if SunTrust sells or\nt\xe2\x80\x99s rights or obligations under\nowe SunTrust on the Account. If\neceives the assignment will have\nto the extent of the assignment.\nTransfers, Cash Advances, Overdraft\nr any Authorized User makes on the\nng on the Account.\n\nAuthorized User \xe2\x80\x93 Any person You authorize to use the Card (whether Cardholder\nor not and whether or not such use exceeds the limit You authorized or intended).\nAverage Daily Balance \xe2\x80\x93 To get the Average Daily Balance, SunTrust adds the\noutstanding Balance (including new transactions and deducting payments and\ncredits) for each transaction type for each day in the Billing Period; SunTrust\nadds together all the daily Balances for each separate transaction type, and then\ndivides by the number of days in the Billing Period.\nBalance \xe2\x80\x93 Every charge on the Account, including transactions that You make and\nInterest Charges and fees that SunTrust assesses, falls into a specific Balance,\nsuch as the Balance on Purchases, Balance Transfers, Cash Advances, Overdraft\nAdvances, and Promotional Balances. Fees that are based on a specific transaction\nare assigned to the same Balance as the applicable transaction. For example, a\ncash advance fee on a Purchase is assigned to the Balance on Purchases. Fees that\nare not specific to a given transaction with the Card (like a Returned Payment) are\nassigned to the Balance on Purchases.\nBalance Transfer \xe2\x80\x93 Credit SunTrust extends resulting from a Balance Transfer that\nYou request by any means (including telephone, Convenience Check, or Balance\nTransfer request form that SunTrust provides). SunTrust\xe2\x80\x99s policy is not to allow\nYou to transfer any Balance You owe from any other account with SunTrust or\nSunTrust\xe2\x80\x99s respective affiliates. SunTrust may permit You to transfer balances\nfrom other credit card companies or financial institutions to Your Account up to\nthe amount of Your Credit Limit. If You request an amount that SunTrust does\nnot approve, SunTrust may process a partial Balance Transfer for less than the\namount that You requested or SunTrust may decline the entire request. SunTrust\nis not liable if SunTrust does not approve a requested Balance Transfer (in whole\nor in part). Balance Transfer requests that are incomplete or illegible will not\nbe approved. SunTrust reserves the right to make Balance Transfers in the order\nSunTrust selects. In order to preserve Your dispute rights, You should not transfer\nbalances from other credit card companies or financial institutions if those\nbalances are in dispute. You should allow up to 8 weeks for Balance Transfers to be\ncompleted. You should continue to monitor the other accounts and continue to pay\nthe minimum payment due on those accounts until You receive statements from\nthose creditors showing that the balances have been paid in full. This confirmation\nmay not happen until after the transactions appear on the Statement SunTrust\nsends You. You are solely responsible for any late payments, ongoing finance\ncharges and disputed amounts on Your other accounts. If You want Your other\naccounts closed following a Balance Transfer, You are responsible for doing so.\nBilling Period \xe2\x80\x93 The time interval between the dates of Your regular billing\nStatements. Your first Billing Period may be less than one month. All Credit terms,\nincluding Minimum Interest Charges, will apply in each Billing Period including the\nfirst Billing Period.\nCard \xe2\x80\x93 Your Card is/are the physical Card(s), the Account number, or any device\n(such as a check) that You or an Authorized User can use to access Your Account.\nCard Association \xe2\x80\x93 the applicable credit card association through which Your Card\nAccount is sponsored (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\nor application, or a natural person who has agreed to pay obligations arising from\nanother person\xe2\x80\x99s use of the Card or Account.\nCard Mailer \xe2\x80\x93 the mail that delivers Your Card and includes Your Agreement and other\nterms associated with 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\nAccount. A Cash Advance occurs when You: (1) obtain cash from an ATM (automated\nteller machine), (2) obtain cash from any other source, (3) make a wire transfer,\n(4) buy foreign currency, (5) buy traveler\xe2\x80\x99s checks, (6) buy money orders, (7) buy\nlottery tickets, or (8) buy gambling chips or wagers.\nCash Advance Credit Limit \xe2\x80\x93 The maximum amount of Credit that SunTrust\nestablishes from time to time and makes available to You on the Account for Cash\nAdvances. Any Cash Advance Credit Limit SunTrust establishes may be less than the\nCredit Limit that otherwise applies to Your Account. The Cash Advance Credit Limit\nis stated on the Card Mailer.\nCash Equivalent Transactions \xe2\x80\x93 Transactions performed using a merchant or\nservice provider that Visa\xc2\xae or MasterCard\xc2\xae identifies as a seller of travelers checks,\nforeign currency, money orders, wire transfers, lottery tickets, funds used for\nwagers or gambling, or similar products or services. These transactions are treated\nas 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\nYour Account to make a Purchase or a Balance Transfer.\nCovered Provider \xe2\x80\x93 means any third party that provides any product or service\nin connection with the Credit if (and only if) You assert a Claim against such third\nparty in connection with a Claim You assert against SunTrust.\nCredit \xe2\x80\x93 means the credit extension You receive under this Agreement.\n\nCredit Limit \xe2\x80\x93 Your Credit Limit will ap\nFor Accounts with Spending Limits\nSunTrust establishes from time to tim\nFor Accounts with no Pre-Set Spe\nnot mean unlimited spending. Your\nLimit. SunTrust may restrict the am\nBalance Transfers. For Cash Advanc\nCash Advance Credit Limit. For Purc\nassigned Credit Limit. Each transac\nsuch as (1) Your Account history; (2\nsuspected fraud; and (4) performan\nto make a Purchase transaction th\nwill be evaluated based upon the\nand Account usage, performance a\nsuspected fraud; and (4) performan\nto make a Purchase transaction tha\nwill be evaluated based upon the l\nand Account usage, performance a\nwith Your other creditors, and Your\nSunTrust may ask for additional fin\nIf You are authorized to exceed You\nas part of your Minimum Payment,\nexceeds Your Credit Limit. SunTrus\nforthcoming unusual activity, such\nor changes in geographic patterns.\nDefault \xe2\x80\x93 Subject to applicable law and\nlaw, SunTrust may require immediate p\nand You will be in Default if (1) You do\non or before the payment Due Date, (2\nor tries to exceed the Credit Limit with\nYou make is rejected or cannot be pro\nthat a Cardholder\xe2\x80\x99s ability to pay SunTr\nYou become subject to bankruptcy or\nor garnishment proceedings are institu\nYou provide SunTrust with false, mislea\nsignature, (6) a Cardholder dies or is le\n(7) You fail to comply with any provisio\nUser makes illegal use of any financial\nAuthorized User continues to use an Ac\nDelinquency Triggering Event \xe2\x80\x93 A Deli\nmake a Minimum Payment within 60 d\nDPR (Daily Periodic Rate) \xe2\x80\x93 the daily p\napplicable APR. The DPR is equal to th\nleap year). SunTrust may use DPR to c\nthis Agreement. Interest Charges resul\ndaily and be calculated on the Average\nfor each Account feature (Purchases, C\nAdvances, and Promotional Balances).\nDue Date \xe2\x80\x93 This is the date by which S\norder for it to be on time. Your Due Da\noccur on the same calendar day of eac\nthe date SunTrust mails Your Statemen\nYour most recently concluded Billing P\nmust receive Your payment on or befo\nYour Statement. If no time is stated on\nif SunTrust receives it by 5:00 p.m. Ea\nhowever, that if You make a payment\nbranch, Your payment will be credited\npayment. Payments initiated through\nwith a customer service representativ\nto the 5:00 p.m. payment cut-off time\nCrediting of Payments to Account: Pay\np.m. Eastern Time at the mailing addr\nand in the Standard Payment Instructi\nthe date of receipt. Payments that Su\nTime will be credited as of the next d\nto SunTrust personnel at a SunTrust br\nSunTrust accepts a payment received\nin Your Statement and in the Standard\ncoupon enclosed, or that does not con\nthat payment may be subject to a del\nof receipt. This delay may result in ad\nand possible suspension of Your Accoun\nautomated telephone service (if availa\nsubject to the 5:00 p.m. payment cut-\n\n\x0cuse the Card (whether Cardholder\ne limit You authorized or intended).\nly Balance, SunTrust adds the\ns and deducting payments and\nin the Billing Period; SunTrust\neparate transaction type, and then\niod.\nng transactions that You make and\ns, falls into a specific Balance,\nsfers, Cash Advances, Overdraft\nare based on a specific transaction\nable transaction. For example, a\nhe Balance on Purchases. Fees that\nCard (like a Returned Payment) are\n\nulting from a Balance Transfer that\n, Convenience Check, or Balance\nSunTrust\xe2\x80\x99s policy is not to allow\nother account with SunTrust or\nermit You to transfer balances\nnstitutions to Your Account up to\nan amount that SunTrust does\nlance Transfer for less than the\ncline the entire request. SunTrust\nuested Balance Transfer (in whole\nncomplete or illegible will not\nke Balance Transfers in the order\nute rights, You should not transfer\nfinancial institutions if those\n8 weeks for Balance Transfers to be\nother accounts and continue to pay\nntil You receive statements from\nbeen paid in full. This confirmation\npear on the Statement SunTrust\nte payments, ongoing finance\ncounts. If You want Your other\nou are responsible for doing so.\ndates of Your regular billing\ns than one month. All Credit terms,\nin each Billing Period including the\n\ne Account number, or any device\nr can use to access Your Account.\nssociation through which Your Card\n\xc2\xae\n).\nrust issues a Card at his/her request\need to pay obligations arising from\n\nd includes Your Agreement and other\nunTrust sends Your Card to You.\nin the form of a loan from the\nobtain cash from an ATM (automated\nsource, (3) make a wire transfer,\ncks, (6) buy money orders, (7) buy\ngers.\nount of Credit that SunTrust\nble to You on the Account for Cash\nust establishes may be less than the\nount. The Cash Advance Credit Limit\n\nerformed using a merchant or\ntifies as a seller of travelers checks,\nlottery tickets, funds used for\nices. These transactions are treated\n\novides which You may use to access\nTransfer.\nprovides any product or service\nu assert a Claim against such third\ninst SunTrust.\ne under this Agreement.\n\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\nSunTrust establishes from 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\nnot mean unlimited spending. Your Account will be assigned a revolving Credit\nLimit. SunTrust may restrict the amount of Your Credit Limit that is available for\nBalance Transfers. For Cash Advances, You may only spend up to Your assigned\nCash Advance Credit Limit. For Purchases, You may be authorized to exceed Your\nassigned Credit Limit. Each transaction You make is authorized based on factors\nsuch as (1) Your Account history; (2) credit record; (3) absence or presence of\nsuspected fraud; and (4) performance and delinquency patterns. If You attempt\nto make a Purchase transaction that exceeds your Credit Limit, Your Account\nwill be evaluated based upon the length of time Your Account has been open\nand Account usage, performance and delinquency patterns or presence of\nsuspected fraud; and (4) performance and delinquency patterns. If You attempt\nto make a Purchase transaction that exceeds your Credit Limit, Your Account\nwill be evaluated based upon the length of time Your Account has been open\nand Account usage, performance and delinquency patterns with SunTrust or\nwith Your other creditors, and Your ability to pay. In certain circumstances,\nSunTrust may ask for additional financial records to authorize a transaction.\nIf You are authorized to exceed Your Credit Limit, You will be required to pay,\nas part of your Minimum Payment, the amount by which Your New Balance\nexceeds Your Credit Limit. SunTrust encourages You to provide us with notice of\nforthcoming unusual activity, such as, high transaction amounts, high velocity,\nor changes in geographic patterns.\nDefault \xe2\x80\x93 Subject to applicable law and any right that You may have under that\nlaw, SunTrust may require immediate payment of Your entire Account Balance\nand You will be in Default if (1) You do not make at least the Minimum Payment\non 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\nYou make is rejected or cannot be processed, (4) SunTrust reasonably believes\nthat a Cardholder\xe2\x80\x99s ability to pay SunTrust is materially impaired (for example, if\nYou become subject to bankruptcy or insolvency proceedings or if an attachment\nor garnishment proceedings are instituted against You or Your property), (5)\nYou provide SunTrust with false, misleading or fraudulent information or a false\nsignature, (6) a Cardholder dies or is legally declared incompetent or incapacitated,\n(7) You fail to comply with any provision of this Agreement, (8) You or an Authorized\nUser makes illegal use of any financial service under the Account or (9) You or an\nAuthorized 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\nmake a Minimum Payment within 60 days of its payment Due Date.\nDPR (Daily Periodic Rate) \xe2\x80\x93 the daily periodic rate is calculated from the\napplicable APR. The DPR is equal to the applicable APR divided by 365 (or 366 in a\nleap year). SunTrust may use DPR to calculate the Interest Charge as described in\nthis Agreement. Interest Charges resulting from the application of DPRs will accrue\ndaily and be calculated on the Average Daily Balances (including new transactions)\nfor each Account feature (Purchases, Cash Advances, Balance Transfers, Overdraft\nAdvances, and Promotional Balances).\nDue Date \xe2\x80\x93 This is the date by which SunTrust must receive Your payment in\norder for it to be on time. Your Due Date will be stated on Your Statement. It will\noccur on the same calendar day of each month. It will be at least 21 days after\nthe date SunTrust mails Your Statement and at least 25 days after the end of\nYour most recently concluded Billing Period (Closing Date). To be timely, SunTrust\nmust receive Your payment on or before the Due Date and by the time stated on\nYour Statement. If no time is stated on Your Statement, Your payment is timely\nif SunTrust receives it by 5:00 p.m. Eastern Time on the Due Date; provided,\nhowever, that if You make a payment directly to SunTrust personnel at a SunTrust\nbranch, Your payment will be credited to Your Account same day as the day of the\npayment. Payments initiated through SunTrust\xe2\x80\x99s automated telephone service,\nwith a customer service representative, or via SunTrust\xe2\x80\x99s web site will be subject\nto the 5:00 p.m. payment cut-off time.\nCrediting of Payments to Account: Payments that SunTrust receives prior to 5:00\np.m. Eastern Time at the mailing address shown on the front of Your Statement\nand in the Standard Payment Instructions will be credited to Your Account as of\nthe date of receipt. Payments that SunTrust receives after 5:00 p.m. Eastern\nTime will be credited as of the next day, unless You make the payment directly\nto SunTrust personnel at a SunTrust branch after 5:00 p.m., as stated above. If\nSunTrust accepts a payment received at any other location than the address stated\nin Your Statement and in the Standard Payment Instructions, with no payment\ncoupon enclosed, or that does not conform to the Standard Payment Instructions,\nthat payment may be subject to a delay in crediting of up to 5 days after the date\nof receipt. This delay may result in additional Interest Charges, Other Charges,\nand possible suspension of Your Account. Payments initiated through SunTrust\xe2\x80\x99s\nautomated telephone service (if available) or via SunTrust\xe2\x80\x99s web site will be\nsubject to the 5:00 p.m. payment cut-off time.\n\nGrace Period \xe2\x80\x93 The time period during\ncertain transactions. As stated in the C\n25 days after the close of each Billing\nof transactions that are subject to a G\nTransaction Fees Section). If a particu\nYour Account starts in a Grace Period f\ncontinue if You pay Your New Balance\nGrace Period if You do not pay Your Ne\nYour Grace Period after You lose it, Yo\nBilling Period. If You lose Your Grace P\nPeriod previously applied, You will owe\nthose transactions will begin to accrue\nYou failed to pay Your New Balance. Fo\nYou lose Your Grace Period, You will pa\nthe time that You regain the Grace Pe\nIndex Rate \xe2\x80\x93 The rate used for making\nThe Index Rate is the Prime Rate as qu\nWall Street Journal (Eastern Edition) o\nbusiness day, the next business day th\nThe Wall Street Journal (Eastern Editi\ngiven on any of these dates, then the\nimmediately preceding published Prim\nno longer available, SunTrust will choo\nby applicable law. Index Rate changes\nthat commences on or after the first d\nIndex Rate is published. (For example,\n28th, the new APR would be effective a\ncommences July 1 or after). An Index\nAPR, which may increase Your Minimum\nInterest Charge \xe2\x80\x93 The cost of Your Cre\nSunTrust derives by applying Your DPR\nItems \xe2\x80\x93 Statements, sales drafts and/o\nJoint Ownership Considerations \xe2\x80\x93 If a\nis jointly owned, any owner of BOTH t\nAccount (i.e. the Protector Account)\nthe consent of the other owners of tha\nof either the deposit Account OR Cred\nprotection without the consent of othe\nAccount is enrolled in overdraft prote\nresponsible for all overdraft protectio\na check or initiates a transaction that\nPurchase); and (ii) all deposit Accoun\nabout the Protected Account with eac\nof Account and partial Account numb\nor change the terms or conditions of Y\ntime, for any reason.\nLate Payment \xe2\x80\x93 A payment that You m\nthe Due Date.\nMargin \xe2\x80\x93 The rate added to the Index R\nMinimum Payment \xe2\x80\x93 The Minimum Pay\nStatement.\nNew Balance \xe2\x80\x93 The entire Balance of P\nAdvances, Balance Transfers and any P\nAccount on the Closing Date, plus all a\nas of such date.\nNotice Address for Arbitration \xe2\x80\x93 mea\nArbitration Provision, the address tha\nProvision. The initial Notice Address f\nSunTrust\xe2\x80\x99s files. The initial Notice Add\nDepartment, Attention: General Coun\nStreet N.E., Suite 3600, Mail Code 064\nSunTrust may give You notice at any ti\nNotice Address.\nOther Charges \xe2\x80\x93 Charges to Your Accou\nof this Agreement, including fees for:\nPayments*, Stop Payments*, Document\nconsider reversal of these Other Charg\ncircumstances warrant such considera\nmitigating factors.\nOverdraft Advance \xe2\x80\x93 Credit SunTrust e\nAccount to cover an overdraft on a de\nYou must enroll in the SunTrust overdr\nof Credit.\nPromotional Balance \xe2\x80\x93 Credit SunTrus\ndesignated Purchase or Balance Transf\nfees and/or a different DPR than your\nPromotional Offer from SunTrust resul\nPromotional Rate \xe2\x80\x93 The DPR applied t\nProtected Account \xe2\x80\x93 An eligible SunTr\nAccount, or Money Market Savings Acc\nCard for overdraft protection.\nProtector Account \xe2\x80\x93 Your SunTrust Con\nPurchase \xe2\x80\x93 Credit SunTrust extends to\nuse(s) the Card or Account to purchase\nsellers and lessors that honor Your Car\na Purchase or (2) use(s) a Convenience\nSunTrust provides for You to make a Pu\n\n\x0ceach monthly Statement.\nximum amount of Credit that\nakes available to You on the Account.\nmits: No pre-set spending limit does\nwill be assigned a revolving Credit\nour Credit Limit that is available for\nmay only spend up to Your assigned\nou may be authorized to exceed Your\nmake is authorized based on factors\necord; (3) absence or presence of\nelinquency patterns. If You attempt\nds your Credit Limit, Your Account\ntime Your Account has been open\nquency patterns or presence of\nelinquency patterns. If You attempt\ns your Credit Limit, Your Account\ntime Your Account has been open\nuency patterns with SunTrust or\no pay. In certain circumstances,\ncords to authorize a transaction.\nLimit, You will be required to pay,\nunt by which Your New Balance\nges You to provide us with notice of\nransaction amounts, high velocity,\n\nt that You may have under that\nof Your entire Account Balance\ne at least the Minimum Payment\nolder or Authorized User exceeds\nrust\xe2\x80\x99s permission, (3) A payment\n4) SunTrust reasonably believes\nterially impaired (for example, if\ny proceedings or if an attachment\nst You or Your property), (5)\nraudulent information or a false\nlared incompetent or incapacitated,\nAgreement, (8) You or an Authorized\nnder the Account or (9) You or an\nCard that has been closed.\nTriggering Event occurs if You fail to\npayment Due Date.\nate is calculated from the\nble APR divided by 365 (or 366 in a\nhe Interest Charge as described in\nm the application of DPRs will accrue\nlances (including new transactions)\nances, Balance Transfers, Overdraft\n\nmust receive Your payment in\ne stated on Your Statement. It will\n. It will be at least 21 days after\nleast 25 days after the end of\nosing Date). To be timely, SunTrust\ne Date and by the time stated on\ntement, Your payment is timely\ne on the Due Date; provided,\no SunTrust personnel at a SunTrust\nAccount same day as the day of the\ns automated telephone service,\nSunTrust\xe2\x80\x99s web site will be subject\n\nat SunTrust receives prior to 5:00\nn on the front of Your Statement\ne credited to Your Account as of\nceives after 5:00 p.m. Eastern\nYou make the payment directly\nr 5:00 p.m., as stated above. If\nher location than the address stated\nInstructions, with no payment\nhe Standard Payment Instructions,\nditing of up to 5 days after the date\nnterest Charges, Other Charges,\nents initiated through SunTrust\xe2\x80\x99s\nia SunTrust\xe2\x80\x99s web site will be\n\nGrace Period \xe2\x80\x93 The time period during which You may avoid paying interest on\ncertain transactions. As stated in the Card Mailer, the Grace Period is at least\n25 days after the close of each Billing Period. This Agreement defines the kinds\nof 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,\nYour Account starts in a Grace Period for that transaction. The Grace Period will\ncontinue if You pay Your New Balance on time each Billing Period. You will lose the\nGrace Period if You do not pay Your New Balance in a given Billing Period. To regain\nYour Grace Period after You lose it, You must pay Your New Balance on time for 1\nBilling Period. If You lose Your Grace Period for transactions to which the Grace\nPeriod previously applied, You will owe interest on any unpaid Balance. Interest on\nthose transactions will begin to accrue from the end of the Billing Period for which\nYou failed to pay Your New Balance. For any such transactions that You make after\nYou lose Your Grace Period, You will pay interest from the Transaction Date until\nthe time that You 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.\nThe Index Rate is the Prime Rate as quoted in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d section of The\nWall Street Journal (Eastern Edition) on the 28th day (or if the 28th day is not a\nbusiness day, the next business day thereafter) of the prior calendar month. If\nThe Wall Street Journal (Eastern Edition) is not published or the Prime Rate is not\ngiven on any of these dates, then the Index Rate will be determined by using the\nimmediately preceding published Prime Rate for such date. If the Prime Rate is\nno longer available, SunTrust will choose a new index and notify You as required\nby applicable law. Index Rate changes will be effective on Your Billing Period\nthat commences on or after the first day of the next succeeding month after the\nIndex Rate is published. (For example, if a new Index Rate is published on June\n28th, the new APR would be effective as of the first day of the Billing Period that\ncommences 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\nSunTrust derives by applying 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)\nis jointly owned, any owner of BOTH the deposit Account AND the Credit Card\nAccount (i.e. the Protector Account) may enroll in overdraft protection without\nthe consent of the other owners of that deposit Account. However, any owner\nof either the deposit Account OR Credit Card Account may cancel overdraft\nprotection without the consent of other owners. If a jointly owned deposit\nAccount is enrolled in overdraft protection: (i) all deposit Account holders will be\nresponsible for all overdraft protection advances regardless of which person writes\na check or initiates a transaction that causes an overdraft (e.g. as a debit Card\nPurchase); and (ii) all deposit Account holders authorize us to share information\nabout the Protected Account with each owner of Protector Account, such as type\nof Account and partial Account number. We reserve the right to cancel, suspend,\nor change the terms or conditions of Your overdraft protection service at any\ntime, for any reason.\nLate Payment \xe2\x80\x93 A payment that You make that SunTrust does not receive before\nthe 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\nStatement.\nNew Balance \xe2\x80\x93 The entire Balance of Purchases, Cash Advances, Overdraft\nAdvances, Balance Transfers and any Promotional Balances outstanding on Your\nAccount on the Closing Date, plus all accrued Interest Charges and Other Charges\nas of such date.\nNotice Address for Arbitration \xe2\x80\x93 means, except as otherwise specified in the\nArbitration Provision, the address that must be used for giving notices under the\nProvision. The initial Notice Address for You is the latest address SunTrust has in\nSunTrust\xe2\x80\x99s files. The initial Notice Address for SunTrust is: SunTrust Bank Legal\nDepartment, Attention: General Counsel \xe2\x80\x93 Arbitration Election, 303 Peachtree\nStreet N.E., Suite 3600, Mail Code 0643, Atlanta, Georgia 30308, although\nSunTrust may give You notice at any time that SunTrust has changed SunTrust\xe2\x80\x99s\nNotice Address.\nOther Charges \xe2\x80\x93 Charges to Your Account as described in the Other Charges Section\nof this Agreement, including fees for: Late Payments*, Annual Fee, Returned\nPayments*, Stop Payments*, Documentation*, and Phone Payments*. *SunTrust will\nconsider reversal of these Other Charges fees on open Accounts in good standing if\ncircumstances warrant such consideration, such as claims of Bank errors and other\nmitigating factors.\nOverdraft Advance \xe2\x80\x93 Credit SunTrust extends to You in the form of a loan from the\nAccount to cover an overdraft on a deposit account that You designate at SunTrust.\nYou must enroll in the SunTrust overdraft protection program to receive this form\nof Credit.\nPromotional Balance \xe2\x80\x93 Credit SunTrust extends for an introductory and other\ndesignated Purchase or Balance Transfer transaction, subject to discounted\nfees and/or a different DPR than your standard DPR for Purchases. Your use of a\nPromotional Offer from SunTrust results in a Promotional Balance.\nPromotional Rate \xe2\x80\x93 The DPR applied to Promotional Balances.\nProtected Account \xe2\x80\x93 An eligible SunTrust Consumer Checking Account, Savings\nAccount, or Money Market Savings Account linked to this SunTrust Consumer Credit\nCard 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)\nuse(s) the Card or Account to purchase goods, labor, insurance or services through\nsellers and lessors that honor Your Card or Account for the purpose of completing\na Purchase or (2) use(s) a Convenience Check or other Credit instrument that\nSunTrust provides for You to make a Purchase.\n\nReturned Payment \xe2\x80\x93 A payment that Y\ndoes not honor. If You have a Returned\naccordance with the terms of this Agre\nPayment and Your financial institution\nstill assess a Returned Payment fee be\nreturned the payment as unpaid. If You\nmore than once, SunTrust will not char\nYou make a new payment to SunTrust,\nnot honor it, SunTrust will assess an ad\nStandard Payment Instructions \xe2\x80\x93 Thes\nCard bill as follows. Pay (1) in U.S. dol\nof SunTrust\xe2\x80\x99s branches, (3) from a U.S.\non a U.S. financial institution, (4) with\nfull\xe2\x80\x9d) included or attached to the paym\nSunTrust provides You, such as a Conve\nmake payment in a paper form (like a\nmust include the payment coupon from\nnumber on the payment. If SunTrust de\na form of payment that does not meet\nSunTrust does not waive the Bank\xe2\x80\x99s rig\ncomply with these instructions. If SunT\nmake in a foreign currency, SunTrust w\nThe date You mail the payment is diffe\npayment. The payment date is the dat\naccordance with these Standard Paym\nthese Standard Payment Instructions, c\nbe delayed. This delay may result in a\nand possible suspension of Your Accoun\ninquire about phone pay. Mailed paym\nSunTrust Bank\nCardholder Services\nP.O. Box 791278\nBaltimore, MD 21279-1278\nNOTE: Any disagreement that You may\nStatement must be presented to SunTr\nand to a different address than where\nBilling Rights\xe2\x80\x9d Section of this Agreeme\nStatement \xe2\x80\x93 SunTrust will send You a b\nAccount has a debit Balance of any am\n$1, unless SunTrust has decided Your A\nsuspended Your Account for collection\ntell You the total Balance that You owe\nPeriod. It will also tell You the Minimu\nthe stated Due Date.\nSunTrust \xe2\x80\x93 means (1) SunTrust Bank, th\ninclude (2) any person(s) to whom the\nCovered Provider; (4) the parents, con\nof the companies in (1)-(3) above; (5)\ncompanies in (1)-(4) above; and (6) th\ncompanies in (1)-(5) above. SunTrust m\nfor purposes of the Arbitration Provisio\n\xe2\x80\x9cSunTrust\xe2\x80\x9d shall also apply to any third\nthird parties in connection with a Claim\nTermination Date \xe2\x80\x93 This is the last day\nPromotional Balance. It will be the ear\nPromotional Balance offer or (2) the d\nDelinquency Triggering Event occurs.\nTransaction Date \xe2\x80\x93 The Transaction\nTransaction Date of a Balance Transf\nthe date that You request such a tra\nYou, Your and Yours \xe2\x80\x93 means the Card\n\n\x0cu may avoid paying interest on\ner, the Grace Period is at least\nhis Agreement defines the kinds\nod (See Interest Charges and\nction is subject to a Grace Period,\nansaction. The Grace Period will\nach Billing Period. You will lose the\ne in a given Billing Period. To regain\ny Your New Balance on time for 1\ntransactions to which the Grace\non any unpaid Balance. Interest on\ne end of the Billing Period for which\nh transactions that You make after\nt from the Transaction Date until\nansactions of this type.\nrate adjustments to Your APR.\nhe \xe2\x80\x9cMoney Rates\xe2\x80\x9d section of The\nh\nday (or if the 28th day is not a\nof the prior calendar month. If\npublished or the Prime Rate is not\ne will be determined by using the\nr such date. If the Prime Rate is\nindex and notify You as required\nffective on Your Billing Period\nnext succeeding month after the\nIndex Rate is published on June\nfirst day of the Billing Period that\nease will increase the applicable\nt.\ne Account as a dollar amount that\nerage Daily Balance.\nt instruments.\nAccount (i.e. Protected Account)\nt Account AND the Credit Card\nl in overdraft protection without\nAccount. However, any owner\nccount may cancel overdraft\n. If a jointly owned deposit\nall deposit Account holders will be\ns regardless of which person writes\noverdraft (e.g. as a debit Card\nauthorize us to share information\nof Protector Account, such as type\nerve the right to cancel, suspend,\ndraft protection service at any\n\nSunTrust does not receive before\n\netermine Your APR.\ne on Your Account as shown on Your\n\n, Cash Advances, Overdraft\nal Balances outstanding on Your\nterest Charges and Other Charges\n\nt as otherwise specified in the\nused for giving notices under the\nthe latest address SunTrust has in\nunTrust is: SunTrust Bank Legal\ntration Election, 303 Peachtree\na, Georgia 30308, although\nunTrust has changed SunTrust\xe2\x80\x99s\n\nReturned Payment \xe2\x80\x93 A payment that You make that Your financial institution\ndoes not honor. If You have a Returned Payment, SunTrust will assess a fee in\naccordance with the terms of this Agreement. If SunTrust resubmits a Returned\nPayment and Your financial institution subsequently honors it, SunTrust will\nstill assess a Returned Payment fee because Your financial institution originally\nreturned the payment as unpaid. If Your financial institution returns a payment\nmore than once, SunTrust will not charge more than one Returned Payment fee. If\nYou make a new payment to SunTrust, however, and Your financial institution does\nnot honor it, SunTrust will assess an additional Returned Payment fee.\nStandard Payment Instructions \xe2\x80\x93 These instructions require You to pay your credit\nCard bill as follows. Pay (1) in U.S. dollars, (2) not in cash, unless You pay at one\nof SunTrust\xe2\x80\x99s branches, (3) from a U.S. deposit account or cashier\xe2\x80\x99s check drawn\non a U.S. financial institution, (4) without restrictive language (e.g., \xe2\x80\x9cpayment in\nfull\xe2\x80\x9d) included or attached to the payment, and (5) not from a credit account that\nSunTrust provides You, such as a Convenience Check drawn on this Account. If You\nmake payment in a paper form (like a check, money order, or cashier\xe2\x80\x99s check), You\nmust include the payment coupon from Your Statement or write Your Card Account\nnumber on the payment. If SunTrust decides in the Bank\xe2\x80\x99s discretion to accept\na form of payment that does not meet these Standard Payment Instructions,\nSunTrust does not waive the Bank\xe2\x80\x99s right to continue to require payments that\ncomply with these instructions. If SunTrust decides to accept a payment that You\nmake in a foreign currency, SunTrust will choose the conversion rate to apply.\nThe 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\naccordance with these Standard Payment Instructions. If You fail to comply with\nthese Standard Payment Instructions, credit to Your Account for the payment may\nbe delayed. This delay may result in additional Interest Charges, Other Charges,\nand possible suspension of Your Account. Contact SunTrust at 866.732.1683 to\ninquire about phone 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\nStatement must be presented to SunTrust in writing separately from your payment\nand to a different address than where Your payments are sent. (See the \xe2\x80\x9cYour\nBilling 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\nAccount has a debit Balance of any amount or a credit Balance of more than\n$1, unless SunTrust has decided Your Account is uncollectible or has closed or\nsuspended Your Account for collection proceedings against You. The Statement will\ntell You the total Balance that You owe the Bank as of the end of the last Billing\nPeriod. It will also tell You the Minimum Payment that You must pay the Bank by\nthe stated Due Date.\nSunTrust \xe2\x80\x93 means (1) SunTrust Bank, the bank that is providing You Credit, and will\ninclude (2) any person(s) to whom the Credit is transferred or assigned; (3) any\nCovered Provider; (4) the parents, controlling persons, subsidiaries and affiliates\nof the companies in (1)-(3) above; (5) the successors and predecessors of the\ncompanies 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\nfor purposes of the Arbitration Provision contained in this Agreement, the term\n\xe2\x80\x9cSunTrust\xe2\x80\x9d shall also apply to any third parties if You assert a Claim against such\nthird 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\nPromotional Balance. It will be the earlier of (1) the last day specified in the\nPromotional Balance offer or (2) the date identified in any notice to You when a\nDelinquency Triggering Event occurs.\nTransaction Date \xe2\x80\x93 The Transaction Date of a Purchase is the sale date. The\nTransaction Date of a Balance Transfer, Cash Advance, or Overdraft Advance is\nthe date that You request such a transaction.\nYou, Your and Yours \xe2\x80\x93 means the Cardholder(s).\n\ncribed in the Other Charges Section\nments*, Annual Fee, Returned\nnd Phone Payments*. *SunTrust will\nn open Accounts in good standing if\nas claims of Bank errors and other\n\nYou in the form of a loan from the\nount that You designate at SunTrust.\nction program to receive this form\n\nfor an introductory and other\nction, subject to discounted\nDPR for Purchases. Your use of a\nmotional Balance.\nonal Balances.\numer Checking Account, Savings\nd to this SunTrust Consumer Credit\n\nedit Card Account.\nn You or an Authorized User (1)\nabor, insurance or services through\nunt for the purpose of completing\nr other Credit instrument that\n\n1\nThe Personal Deposit Account Fee Schedule is accessible at https://www.\nsuntrust.com/Static/Documents/Personal_Banking/Deposit_Account_Disclosures/\nFSRETAILE.pdf.\n\n1\nThe Personal Deposit Account Fee Sch\nsuntrust.com/Static/Documents/Perso\nFSRETAILE.pdf.\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\nSunTrust now Truist, Member FDIC. \xc2\xa9202\nTruist and the SunTrust logo are service m\nAll rights reserved.\n\n\x0cThe pricing addendum for the SunTrust Prime Rewards Card is accurate as of June 30, 2021.\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\nPrime Rate + 6.99% to Prime Rate + 17.99%\n\nAPR for Balance Transfers\n\nPrime Rate + 6.99% to Prime Rate + 17.99%\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\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transaction\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Return Payment\n\n\xe2\x80\xa2 None\n\xe2\x80\xa2 $10.00 or 3% of the amount of the transfer, whichever is greater.\n\xe2\x80\xa2 $10.00 or 4% of the amount of each advance, whichever is greater.\n\xe2\x80\xa2 None\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 \xe2\x80\x9caverage 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.\n18\n\n\x0c'