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     �
     SECURED�CARD�ACCOUNT�AGREEMENT�
     �
      Table�of�Contents�
                                                                                  �
     �
       SECURITY�INTEREST�
       SUMMARY�OF�KEY�TERMS�
       AGREEMENT�TERMS�
        Costs�
        Payments�
        Amendment�(Changes)�and�Assignment�
        Additional�Information�
        Arbitration�
        Your�Billing�Rights�
        Definitions�
  �
      Secured�Card�Account�Agreement� For�each�bolded�word�or�phrase,�the�definition�is�provided�at�
      SECURITY�INTEREST�      https://www.suntrust.com/PersonalBanking/EverydayBanking/CreditCards�
                             and�in�the�definitions�section�at�the�end�of�this�Agreement.�
     Your�Card�Account�is�a�secured�account,�meaning�You�have�pledged�collateral�to�ensure�repayment�of�the�Credit�that�SunTrust�provides�You�and�any�
     other�debt�that�You�owe�SunTrust�on�Your�Card�Account.�
     Pledge�of�Collateral�
     In� consideration�for� the�Bank� issuing� this�Card� Account� to�You,�You�have�opened�a�Savings�Account� called� the��Secured� Card�Savings� Account��
     according�to�these�parameters.��The�Savings�Account�must:�
     ?  be�titled�in�the�same�name(s)�of�the�initial�Cardholder(s)�when�the�Card�Account�is�opened�and�no�other�name(s);�
     ?  be�opened�with�a�deposit�that�equals�the�amount�of�Your�revolving�Credit�Limit;�and�
     ?  remain�open�during�the�duration�of�Your�Card�Account.�
     You�cannot�add/change�Cardholders�on�Your�Card�Account�after�it�is�established,�as�the�Cardholder�and�Savings�Account�owner�names�must�match.�
     To�secure�all�amounts�You�may�owe,�including�but�not�limited�to�interest,�fees,�and�charges,�which�accrue�on�Your�Card�Account�and�all�of�Your�other�
     obligations�on�Your�Card�Account,�You�assign,�transfer,�and�pledge�a�security�interest�in�and�grant�the�Bank�all�rights,�title,�and�interest�in�the�Savings�
     Account�and�in�all�renewals,�additions,�and�funds/earnings�of�the�Savings�Account.��If�Your�Savings�Account�is�closed�for�any�reason,�SunTrust�may�
     terminate�Your�Card�Account�in�accordance�with�the�terms�of�this�Agreement.�
     The�primary�rules�and�regulations�for�your�Savings�Account�are�described�in�the�Bank�Rules�and�Regulations�for�Deposit�Accounts�booklet�provided�to�
     You�separately.��This�Savings�Account�has�additional�terms/restrictions�that�include�the�following.�
     ?  At�all�times�during�the�duration�of�Your�Card�Account,�You�must�maintain�funds�in�the�Savings�Account�that�cover�the�amount�of�Your�Credit�
       Limit.�
     ?  You�may�not�make�withdrawals�from�the�Savings�Account�while�it�secures�Your�Card�Account.��This�restriction�includes,�but�is�not�limited�to,�
       withdrawals�of�any�funds�at�a�branch,�through�an�ATM,�through�online�transactions,�through�overdraft�protection�to�a�checking�account,�or�by�
       any�other�method.�
     ?  You�are�not� allowed� to� make�additional�deposits� to� this�Savings�Account,�except�when� additional�deposit(s)� is/are�required�for� the�Savings�
        Account�balance�to�cover�the�Card�Account�Credit�Limit.�
     ?  No�transfer�of�ownership�of�the�Savings�Account�to�another�person�upon�death�of�the�Cardholder(s)�is�permitted.�
     Right�of�Bank�to�Control�and�Use�Savings�Account�
     You�agree�that�this�security�interest,�pledge,�and�assignment�provides�the�Bank�the�right�to�redeem,�collect,�and�withdraw�any�part�or�the�full�amount�
     of� the� Savings� Account� to� satisfy� Your� obligations� under� this� Agreement� upon� Your� Default� under� this� Agreement� or� if� Your� Card� Account� is�
     terminated�for�any�reason.��You�acknowledge�and�agree�that�this�security�interest,�pledge,�and�assignment�gives�the�Bank�exclusive�control�over�the�
     Savings�Account.��You�agree�that�if�Your�Card�Account�is�closed�for�any�reason,�SunTrust�may�apply�funds�in�the�Savings�Account�to�pay�off�any�
     balance�on�the�Card�Account.�
     What�SunTrust�Does�with�Funds�Remaining�in�Savings�Account�When�Savings�Account�May�Be�Closed�or�is�No�Longer�Required�
     1.  If�You�Default�under�this�Agreement�or�Your�Card�Account�is�terminated�for�any�reason�and�SunTrust�must�apply�funds�in�the�Savings�Account�
        to�pay�off�any�outstanding�Balance�on�Your�Card�Account,�if�funds�remain�in�the�Savings�Account�after�SunTrust�pays�off�the�Balance�on�the�
       Card�Account,�SunTrust�will�remit�these�funds�to�You�within�30�days�after�Your�Card�Account�is�closed.�
                                                                            1�|�P a g e�
     2.  If�SunTrust�graduates�You�to�an�unsecured�credit�card�account�so�that�the�Savings�Account�and�security�interest�are�no�longer�required�and�
       Your�Card�Account�is�in�good�standing,�You�hereby�authorize�SunTrust�to�convert�Your�Savings�Account�to�a�personal�savings�account.��This�
       personal�savings�account�will�be�titled�in�the�same�name(s)�as�the�Savings�Account�that�secured�Your�Card�Account.��Your�access�to�the�personal�
       savings�account�will�not�be�restricted.�This�means�You�may�make�additional�deposits�and�withdrawals.��SunTrust�will�waive�the�personal�savings�
       account�monthly�maintenance�fee�of�$4.00�when�the�personal�savings�account�(a)�contains�a�minimum�daily�balance�of�$300�or�(b)�has�at�least�
        one�$5�transfer�from�a�SunTrust�checking�account�per�month.��Otherwise�fees�will�apply���see:�
        https://www.suntrust.com/Static/Documents/Personal_Banking/Deposit_Account_Disclosures/FSRETAILE.pdf�for� full�personal� savings� account�
        terms�and�conditions.�
        If�You�do�not�wish�to�maintain�a�personal�savings�account�with�these�funds,�call�SunTrust�at� 800-786-8787�or�visit�a�SunTrust�branch�after�
       SunTrust� converts� Your� existing� Savings� Account� to� a� personal� savings� account� to� request� some� other� disposition� of� these� funds,� and�
        SunTrust�will�honor�Your�request.�
     Duration�of�Security�Agreement�
     Your�security�agreement�will�remain�in�effect�until�(a)�all�of�Your�debt�to�the�Bank�on�Your�Card�Account�has�been�paid�in�full�and�(b)�all�other�
     obligations�secured�by�this�Agreement�have�been�fulfilled.�
     Waiver�of�Rights�and�Other�Legal�Matters�regarding�the�Security�Interest�
     You�waive�any�right�to�require�SunTrust�to:�(a)�proceed�against�You,�any�other�Cardholder,�or�Authorized�User�on�Your�Card�Account;�or�(b)�proceed�
     against�or�exhaust�any�security�held�under�this�security�agreement�before�SunTrust�pursues�any�other�remedy�in�SunTrust�s�power.��The�Bank�s�rights�
     stated�in�this�security�agreement�are�in�addition�to�any�others�SunTrust�has�under�applicable�law.��If�there�is�a�conflict�regarding�this�security�interest�
     and�any�other�agreement,�this�Agreement�will�control.��You�represent�that�no�insolvency�proceeding�or�general�assignment�for�creditors�is�pending�
     that�would�affect�Your�grant�of�this�security�interest.��You�waive�any�defense�You�may�have�against�SunTrust,�associated�with�this�security�interest.�
     Enforcement�of�Security�Interest�
     You�hereby�irrevocably�appoint�the�Bank�as�attorney?in?fact�to�execute�any�instruments�required�to�satisfy�Your�debt�under�the�Card�Account.�
        �
      Secured�Card�Account�Agreement�    For�each�bolded�word�or�phrase,�the�definition�is�provided�at�
      SUMMARY�OF�KEY�TERMS�              https://www.suntrust.com/PersonalBanking/EverydayBanking/CreditCards�
                                         and�in�the�definitions�section�at�the�end�of�this�Agreement.�
      When� are� You� bound� by� the� CA� Your�Card�Account�Agreement�with�SunTrust�starts�and�You�agree�to�the�terms�when�(1)�You�accept�and/or�
      Terms?�            sign� the� Card� or� (2)� You� or� an� Authorized� User� use(s)� the� Card� or� Account,� thus� obtaining� Credit� from�
                         SunTrust.�
      What�types�of�transactions�might� ? You�may�use�Your�Card/Account�to�make�legal�Purchases,�Cash�Advances,�Overdraft�Advances�and�Balance�
      You�make�with�the�Card/Account� Transfers.��You�are�responsible�for�transactions�that�You,�other�Cardholders,�and�Authorized�Users�make,�
      and� how� are� these� transactions� whether�the�transactions�are�legal�or�not.�
      itemized� on� Your� bill� each� ? Each�type�of�transaction�has�different�associated�costs�and�terms;�each�transaction�type�and�associated�costs�
      month?�             are�grouped�together�and�detailed�in�Your�monthly�Statement�(Card�Account�bill)�by�transaction�type.��The�
                          combined� outstanding� amount� of� each� transaction� type� is� Your� New� Balance� due� on� Your� Account�each�
                          month�(Billing�Period).��You�must�pay�all�Interest�Charges,�fees,�and�Other�Charges�properly�charged�to�Your�
                          Account.�
      What� You� Pay,� when,� how,� and� ? SunTrust� will� send� You� a� monthly� Statement� (bill).�� You� agree� to� pay� all� Authorized� Charges� on� the�
      what�happens�if�You�pay�late?� Statement.��You�have�the�option�of�paying�in�full�the�New�Balance�shown�on�each�Statement�or�paying�in�
                          installments�that�at�least�equal�the�amount�of�the�Minimum�Payment�shown�on�Your�Statement.��In�either�
                          case,�the�payment�Due�Date�will�be�at�least�25�days�after�the�Closing�Date�of�Your�Statement.�
                         �
                         ? The�Minimum�Payment�will�include�any�amount�past�due�or�over�Your�Credit�Limit�plus�the�greater�of�(1)�
                          $20.00,�(2)�2%�of�the�New�Balance,�or�(3)�1%�of�the�New�Balance�plus�current�Interest�Charges�and�Other�
                          Charges.��If�the�New�Balance�is�less�than�$20.00,�the�Minimum�Payment�will�be�the�New�Balance.�If�You�pay�
                          more�than�the�Minimum�Payment,�You�still�must�make�the�Minimum�Payment�on�subsequent�Statements�
                          until� You� have� fully� paid� what� You� owe.�� You� must� pay� in� U.S.� dollars,� without� restrictive� terms,� and� in�
                          accordance�with�the�Standard�Payment�Instructions.�
                         ? If�You�do�not�pay�at�least�the�Minimum�Payment�by�the�Due�Date,�SunTrust�will�charge�a�Late�Payment�fee,�
                          unless�Your�Account�is�exempt�from�Late�Payment�fees.��If�You�make�a�Late�Payment,�You�will�be�in�Default�
                          and�You�may�be�subject�to�rate�increases.��If�You�are�in�Default�for�any�reason,�SunTrust�can�require�that�the�
                          entire�outstanding�full�Balance�on�Your�Account�be�immediately�paid.�
      How� will� SunTrust� apply� Your� ? You�agree�that�the�Minimum�Payments�on�Your�Account�will�be�applied�in�the�order�SunTrust�selects.�
      payments?�         ? SunTrust� may� allocate� Your� Minimum� Payments� to� Balances� starting� with� the� lowest� APR� (Annual�
                          Percentage�Rate).��Payments�in�excess�of�the�Minimum�Payment�will�generally�be�applied�first�to�Balances�
                          with�the�highest�APR�and�any�remaining�portion�to�the�other�Balances�in�descending�order�based�on�their�
                                                                            2�|�P a g e�
                          APRs,� unless� SunTrust� is� required� by� applicable� law� to� use� a� different� payment� application� method� in�
                          connection�with�a�deferred�interest�or�similar�program.��
                         ? Payments�are�normally�applied�to�restore�Your�available�Credit�(the�amount�of�Your�unused�Credit�Limit).��
                          There�may�be�a�delay� in� restoring�Your� available�Credit� until�SunTrust�determines�whether�a�payment� is�
                          likely�to�be�returned�for�insufficient�funds�or�for�some�other�reason.�
      What� other� important� terms� Your�liability�for�unauthorized�use�of�the�Card���what�to�do/what�happens�if�Your�Card�is�stolen.�
      exist�in�the�CA?� Credit�Limits,�Authorization,�and�Convenience�Checks���spending�limits/transaction�authorization.�
                         Individual�Liability���each�Cardholder�is�individually�and�jointly�liable�for�all�Authorized�Charges.�
                         Termination���You�or�SunTrust�can�terminate�or�suspend�Your�Credit�at�any�time�with/without�cause.�
                        Sharing�of�Information���how�SunTrust�safeguards�your�information/how?when�SunTrust�may�disclose�Your�
                         information�to�others;�refers�to�SunTrust�s�Privacy�Statement.�
                         Arbitration���the�way�in�which�You�and�SunTrust�agree�to�resolve�claims;�You�have�the�right�to�opt�out�of�
                         arbitration�as�the�agreed�upon�claims�resolution�method.�
                         Billing� Dispute� Rights� �� details� Your� rights� if� You� dispute� charges/are� not� satisfied� with� good/services� You�
                         procure�from�merchants�using�Your�Card/Account.�
                         Defined�Terms���defines�all�essential�terms�used�in�the�CA.�
      Interest�Charges�and�Transaction� SunTrust� calculates�Interest�Charges�using� the�Average�Daily�Balance� (including�new� transactions)�method.��
      Fees�in�General:� SunTrust�also� uses�compounded� interest� in� calculating�Interest�Charges.��Compounded� interest�means�that�
                         interest�is�added�to�the�principal�that�You�owe�and�interest�then�applied�each�successive�Billing�Period�on�the�
                         outstanding�Balance�and�new�charges.��[See�the�Card�Mailer�for�disclosure�of�APRs,�corresponding�DPRs�(Daily�
                         Periodic�Rate),�Minimum�Interest�Charge,�transaction�fees,�and�Other�Charges.]�
      Interest� Rates� and� Interest� Your�eligibility�for�Credit,�initial�and�on?going�Interest�Rates,�and�other�CA�terms�may�vary�based�upon�Your�
      Charges� based� upon� Credit� credit�worthiness.��You�authorize�SunTrust�to�make�or�have�made�any�credit,�employment,�and�investigative�
      Inquiries:�        inquiries�about�You�that�SunTrust�deems�appropriate�about:��(1)�whether�SunTrust�will�provide�You�with�a�
                         Card�Account�and�if�so�at�what�rates/terms,�(2)�modifications� to�Your�Card�Account�rates/terms�while�You�
                         maintain�the�Account,�or�(3)�collection�of�Credit�under�Your�Account�and�other�permissible�purposes�as�the�law�
                         allows.�
      Cost�on�Purchases:� ? Any� Purchase� Balance� not� paid� by� the� Due� Date� on� the� Statement� will� incur� an� Interest� Charge� on� the�
      SunTrust� will� charge� the� Interest� following�month�s�Statement.�
      Charge� (unless� inapplicable� ? The�cost�for�Purchases�(DPR�Interest�Charge,�when�it�applies)�is�the�Average�Daily�Balance�on�Purchases�
      because� of� the� Grace� Period)� on� multiplied�by�(1)�the�number�of�days�in�the�Billing�Period�and�(2)�the�applicable�DPR.�
      Your� Purchases� from� the� ? You�will�have�a�Grace�Period�on�any�new�Purchases�that�are�reflected�for�the�first�time�on�Your�current�
      transaction�date.�  Statement� if� You� pay� Your� New� Balance� on� time� each� Billing� Period.�� Those� new� Purchases� will� not� be�
                          subject�to�an�Interest�Charge�during�the�Billing�Period�reflected�in�the�current�Statement�if�You�satisfy�the�
                          conditions�for�applicability�of�the�Grace�Period.�
      Costs�on�Cash�Advances:� The� costs� for� Cash� Advances� consist� of� (1)� interest� computed� at� the� applicable� DPR� on� the� Average� Daily�
      SunTrust� will� charge� the� Interest� Balance�(for�Cash�Advances)�and�(2)�Cash�Advance�transaction�fees.��The�DPR�Interest�Charge�is�the�Average�
      Charge� on� Your� Cash� Advances� Daily� Balance� on� Cash� Advances� multiplied� by� (1)� the� number� of� days� in� the� Billing� Period� and� (2)� the�
      from�the�date�they�are�posted�to� applicable�DPR.��Cash�Advances�do�not�have�a�Grace�Period.�
      Your�Account.�
      Cost�on�Overdraft�Advances:� The�cost�on�Overdraft�Advances�(DPR�Interest�Charge)�is�the�Average�Daily�Balance�on�Overdraft�Advances�
      SunTrust� will� charge� the� Interest� multiplied�by�(1)�the�number�of�days�in�the�Billing�Period�and�(2)�the�applicable�DPR.��In�accordance�with�its�
      Charge� on� Your� Overdraft� Rules�and�Regulations�for�Deposit�Accounts,�SunTrust�will�assess�You�its�usual�deposit�account�fee�for�such�
      Advances�from�the�date�they�are� service,�separately,�and�as�part�of�Your�deposit�Account�fees.��Overdraft�Advances�do�not�have�a�Grace�Period.�
      posted�to�Your�Account.�
      Costs�on�Balance�Transfers:� ? The�costs�for�Balance�Transfers�consist�of�(1)�interest�computed�at�the�applicable�DPR�on�the�Average�Daily�
      When� SunTrust� provides� You� a� Balance�(for�Balance�Transfers)�and�(2)�Balance�Transfer�transaction�fees.�
      Balance�Transfer�check�or�Balance� ? The�DPR�Interest�Charge�is�the�Average�Daily�Balance�on�Balance�Transfers�multiplied�by�(1)�the�number�of�
      Transfer� request� form� or� when� days�in�the�Billing�Period�and�(2)�the�applicable�DPR.�
      You� request� a� Balance� Transfer,� ? SunTrust� may� from� time� to� time� offer� You� Balance� Transfer� Promotional� Offers� with� different� Balance�
      SunTrust� will� charge� the� Interest� Transfer�Interest�Charges�and�transaction�fees�than�the�Card�Mailer�terms.��Those�different�Interest�Charges�
      Charge� on� Your� Balance� Transfer� and� fees� will� be� disclosed� in� the� Balance� Transfer� Promotional� Offer.�� Unless� SunTrust� informs� You�
      from�the�date�it�is�posted�to�Your� otherwise,�Balance�Transfers�do�not�have�a�Grace�Period.�
      Account.�
      Foreign�Currency�Exchange�Fee�on�� ? All�Purchase�and�Cash�Advance�transactions�processed�in�a�foreign�currency�will�be�converted�to�U.S.�dollars�
      Non?US�Transactions:� under�the�regulations�(which�affect�rate�and�actual�date�of�the�exchange)�of�the�Card�Association�before�
                          being�charged�to�Your�Account.�
                         ? SunTrust�will�assess�a�foreign�currency�transaction�fee�for�all�Purchase�transactions�processed�in�a�foreign�
                          currency.���
                         ? Conversion�may�occur�on�a�date�other�than�the�date�of�the�transaction�or�the�date�the�transaction�is�posted�
                          to�Your�Statement,�which�may�affect�the�conversion�rate�used.��If�a�Credit�transaction�is�processed�and�has�a�
                                                                            3�|�P a g e�
                          processing� date� different� than� the� original� transaction,� then� the� exchange� rate� of� the� Credit� can� be�
                          greater/less�than�that�of�the�original�transaction.�
      Other�Charges:�   Late�Payment�Fee.��Unless�Your�Account�is�exempt�from�Late�Payment�fees,�if�SunTrust�has�not�received�at�
                        least�the�Minimum�Payment�by�its�Due�Date�as�shown�on�a�Statement,�SunTrust�will�add�a�Late�Payment�fee�
                        to�Your�Purchase�Balance�based�on�the�New�Balance�outstanding�as�of�the�Closing�Date�for�the�Statement.�
                        Annual�Fee.��If�Your�Account�has�an�annual�fee,�it�will�be�shown�on�the�Card�Mailer,�and�SunTrust�will�add�the�
                        annual�fee�to�Your�Purchase�Balance.�
                        Returned�Payment�Fee.�� Unless�Your�Account� is�exempt�from�Returned�Payment�fees,�SunTrust� will�add�a�
                        Returned�Payment�fee�to�Your�Purchase�Balance�if�(1)�a�payment�that�You�make�or�authorize�is�returned�to�
                        SunTrust�unpaid;�or�(2)�any�Balance�Transfer,�Cash�Advance,�or�Promotional�Balance�check�is�dishonored�for�
                        any�reason.�This�fee�may�be�imposed�even�if�Your�payment�is�later�re?presented�to�and�paid�by�Your�financial�
                        institution.�
                        Stop�Payment�Fee.��SunTrust�will�add�a�$39.00�stop�payment�fee�to�Your�Purchase�Balance�if�You�ask�SunTrust�
                        to�stop�payment�on�any�Convenience�Check�drawn�on�Your�Account�or�on�any�Balance�Transfer�request.�
                        Documentation�Fee.��SunTrust�will�provide�copies�of�Statements,�sales�drafts,�etc.,�to�You�upon�request.�If�You�
                        request� copies� of� more� than� two� items� during� a� Billing� Period,� SunTrust� will� add� a� fee� to� Your� Purchase�
                        Balance�up�to�$5.00�for�each�additional�copy�unless�prohibited�by�applicable�law.��SunTrust�will�not�impose�any�
                        fee�if�Your�request�is�made�in�connection�with�written�notice�of�a�billing�error.�
                        Phone�Pay�Fee.��If�SunTrust�agrees�to�permit�You�to�pay�Your�bill�via�phone�pay�and�applicable�law�allows,�You�
                        agree�that�SunTrust�will�add�the�phone�pay�fee�disclosed�at�the�time�of�Your�request�to�Your�Purchase�Balance.�
      Minimum�Interest�Charges:� If�You�incur�Interest�Charges�in�any�Billing�Period,�a�minimum�Interest�Charge�will�post�to�Your�Account�(such�
                        minimum�Interest�Charge�shown�as�the��Minimum�Interest�Charge��on�Your�Statement).�
      Changes�            SunTrust�can�change�some�of�Your�rates�and�other�terms�in�accordance�with�applicable�law.��This�table�
                          shows�some�possible�changes.�
      Type�of�change�         What�may�trigger�change� Advance�notice�of�change�
      Interest�Rate�increase�on�new�charges� In�the�first�year,�a�Promotional�Rate�ends�or� Promotional�Rate�ends�or�Index�Rate�changes,�no�
                              the� Index� Rate� changes;� after� that,� any� notice;�otherwise,�45�days�
                              reason�
      Interest�Rate�increase�on�existing�Balances� Promotional� period� ends,� Index� Rate� No� notice� requirement� or� per� terms� of� the�
                              changes,� or� Your� Account� is� in� a� workout� workout�arrangement�
                              arrangement�
      Increase�or�decrease�to�Credit�Limit� Any�reason� None�
      Some�fees�and�other�terms� Can�change�for�any�reason� Up� to� 45� days� for� certain� fees� and� Minimum�
                                                      Payment�changes�
     �
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                                                                            4�|�P a g e�
      Secured�Card�Account�Agreement�    For�each�bolded�word�or�phrase,�the�definition�is�provided�at�
      AGREEMENT�TERMS�                   https://www.suntrust.com/PersonalBanking/EverydayBanking/CreditCards�
                                         and�in�the�definitions�section�at�the�end�of�this�Agreement.�
     Your�Card�Account�Agreement�with�SunTrust�starts�and�You�agree�to�these�terms�when�You�accept�and/or�sign�the�Card�or�You�or�an�Authorized�
     User�use(s)�the�Card�or�Account,�thus�obtaining�credit�from�SunTrust.�
      Costs�
     You�may�use�Your�Card�and�Account�to�make�Purchases,�Cash�Advances,�Overdraft�Advances�and�Balance�Transfers.�Each�type�of�charge�will�have�its�
     own�Balance.��Each�type�of�Balance�may�have�a�separate�DPR�and�corresponding�Interest�Charges.�
     You�agree�to�pay�SunTrust�for�all�credit�extended�on�Your�Account,�plus�any�Interest�Charges,�Other�Charges�and�other�fees�and�amounts�properly�
     charged�to�Your�Account.��You�agree�to�use�Your�Account�only�for�legal�transactions.��It�is�not�SunTrust�s�responsibility�to�make�sure�You�only�use�
     Your� Account� for� legal� transactions,� and� You� will� remain� responsible� to� pay� for� any� transactions� whether� legal� or� not.�� SunTrust� may� decline�
     authorization�for�any�Internet�gambling�transaction.��SunTrust�will�not�be�liable�if�You�engage�in�an�illegal�transaction.�
      Interest�Charges�and�Transaction�Fees� The� conditions� under� which� Interest� Charges� and� transaction� fees� apply�
                                         depend�upon�whether�the�transaction�is�a�Purchase,�Cash�Advance,�Overdraft�
                                         Advance,�Balance�Transfer,�or�Promotional�Offer.�
     SunTrust�calculates�Interest�Charges�using�the�Average�Daily�Balance�(including�new�transactions)�method.��SunTrust�also�uses�compounded�interest�
     in�calculating�Interest�Charges.��Compounded�interest�means�that�interest�is�added�to�the�principal�that�You�owe�and�interest�then�applied�each�
     successive�Billing�Period�on�the�outstanding�Balance�and�new�charges.�
     Interest�Charges�that�apply�on�Your�Account�are�set�forth�in�the�Card�Mailer.�
      Interest�Charge�for�Purchases�     Cost:�� Interest� Charge� (Average� Daily� Balance� for� Purchases� x� no.� days� in�
                                         Billing�Period�x�DPR)�
     Any�Purchase�Balance�not�paid�by�the�Due�Date�on�the�Statement�will�incur�an�Interest�Charge�on�the�following�month�s�Statement.��The�cost�for�
     Purchases�(DPR�Interest�Charge,�when�it�applies)�is�the�Average�Daily�Balance�on�Purchases�multiplied�by�(1)�the�number�of�days�in�the�Billing�Period�
     and�(2)�the�applicable�DPR.�
     You�will�have�a�Grace�Period�on�any�new�Purchases�that�are�reflected�for�the�first�time�on�Your�current�Statement�if�You�pay�Your�New�Balance�on�
     time�each�Billing�Period.��Those�new�Purchases�will�not�be�subject�to�an�Interest�Charge�during�the�Billing�Period�reflected�in�the�current�Statement�if�
     You�satisfy�the�conditions�for�applicability�of�the�Grace�Period.�
     SunTrust�will�charge�the�Interest�Charge�(unless�inapplicable�because�of�the�Grace�Period)�on�Your�Purchases�from�the�transaction�date.�
     The�DPR�for�Purchases�(that�are�subject�to�Interest�Charges)�may�or�may�not�vary�each�month�based�on�changes�in�the�Index�Rate.��The�Card�Mailer�
     discloses�whether�the�Account�is�subject�to�a�Variable�or�a�Non?variable�APR.�
      Interest�Charge�and�Transaction�Fees�for�Cash�Advances� Costs:��Interest�Charge�(Average�Daily�Balance�for�Cash�Advances�x�no.�days�
                                         in�Billing�Period�x�DPR)�+�Cash�Advance�transaction�fees.�
     The�costs�for�Cash�Advances�consist�of�(1)�interest�computed�at�the�applicable�DPR�on�the�Average�Daily�Balance�(for�Cash�Advances)�and�(2)�Cash�
     Advance�transaction�fees.�
     The�DPR�Interest�Charge� is� the�Average�Daily�Balance� on�Cash�Advances�multiplied�by� (1)� the�number� of�days� in� the�Billing�Period� and� (2)�the�
     applicable�DPR.��The�Cash�Advance�transaction�fee�is�disclosed�in�the�Card�Mailer.�
     The�DPR�for�Cash�Advances�may�or�may�not�vary�each�month�based�on�changes�in�the�Index�Rate.��The�Card�Mailer�discloses�whether�the�Account�is�
     subject�to�a�Variable�or�a�Non?variable�APR.�
     SunTrust�will�charge�the�Interest�Charge�on�Your�Cash�Advances�from�the�date�they�are�posted�to�Your�Account.��Cash�Advances�do�not�have�a�Grace�
     Period.�
      Interest�Charge�for�Overdraft�Advances� Cost:��Interest�Charge�(Average�Daily�Balance�for�Overdraft�Advances�x�no.�
                                         days�in�Billing�Period�x�DPR)��
     The�cost�on�Overdraft�Advances�(DPR�Interest�Charge)�is�the�Average�Daily�Balance�on�Overdraft�Advances�multiplied�by�(1)�the�number�of�days�in�
     the�Billing�Period�and�(2)�the�applicable�DPR.��In�accordance�with�its�Rules�and�Regulations�for�Deposit�Accounts,�SunTrust�will�assess�You�its�usual�
     deposit�account�fee�for�such�service,�separately,�and�as�part�of�Your�deposit�account�fees.�
     The�DPR�for�Overdraft�Advances�may�or�may�not�vary�each�month�based�on�changes�in�the�Index�Rate.��The�Card�Mailer�discloses�whether�the�
     Account�is�subject�to�a�Variable�or�a�Non?variable�APR.�
     SunTrust�will�charge�the�Interest�Charge�on�Your�Overdraft�Advances�from�the�date�they�are�posted�to�Your�Account.��Overdraft�Advances�do�not�
     have�a�Grace�Period.�
     �
     �
                                                                            5�|�P a g e�
      Interest�Charge�and�Transaction�Fees�for�Balance�Transfers� Costs:�� Interest� Charge� (Average� Daily� Balance� for� Balance� Transfers� x� no.�
                                         days�in�Billing�Period�x�DPR)�+�Balance�Transfer�transaction�fees.�
     The�costs�for�Balance�Transfers�consist�of�(1)�interest�computed�at�the�applicable�DPR�on�the�Average�Daily�Balance�(for�Balance�Transfers)�and�(2)�
     Balance�Transfer�transaction�fees.�
     The�DPR�Interest�Charge�is�the�Average�Daily�Balance�on�Balance�Transfers�multiplied�by�(1)�the�number�of�days�in�the�Billing�Period�and�(2)�the�
     applicable�DPR.��The�Balance�Transfer�transaction�fee�for�a��regular��Balance�Transfer�or��Promotional�Balance��Balance�Transfer�is�disclosed�in�the�
     Card�Mailer;�provided,�that�SunTrust�may�from�time�to�time�offer�You�Balance�Transfer�Promotional�Offers�with�different�Balance�Transfer�Interest�
     Charges� and� transaction� fees� than� the� Card� Mailer� terms.�� Those� different� Interest� Charges� and� fees� will� be� disclosed� in� the� Balance� Transfer�
     Promotional�Offer.�SunTrust�will�add�the�Balance�Transfer�fee�to�the��Balance�Transfer��Balance�of�Your�Account,�unless�SunTrust�informs�You�when�
     You� make� a� Balance� Transfer� that� the� Balance� Transfer� amount� and� Balance� Transfer� fee� will� be� added� to� another� category� of� Balance� (e.g.,�
     Purchases�or�Cash�Advances).�
     Unless�SunTrust�informs�You�otherwise,�Balance�Transfers�do�not�have�a�Grace�Period.��When�SunTrust�provides�You�a�Balance�Transfer�check�or�
     Balance�Transfer�request�form�or�when�You�request�a�Balance�Transfer,�SunTrust�will�charge�the�Interest�Charge�on�Your�Balance�Transfer�from�the�
     date�it�is�posted�to�Your�Account.�
     The�DPR�for�Balance�Transfers�(that�are�subject�to�Interest�Charges)�may�or�may�not�vary�each�month�based�on�changes�in�the�Index�Rate.��The�Card�
     Mailer�discloses�whether�the�Account�is�subject�to�a�Variable�or�a�Non?variable�APR.�
      Interest�Charge�for�Promotional�Balances� Cost:��Interest�Charge�(Average�Daily�Balance�for�Promotional�Balances�x�no.�
                                         days�in�Billing�Period�x�Promotional�Rate�DPR)��
     SunTrust�may�from�time�to�time�offer�You�a�Promotional�Rate�on�certain�Purchases�or�Balance�Transfers�through�Promotional�Offers.��If�You�accept�
     a�Promotional�Offer,�the�resulting�Promotional�Balance�will�be�subject�to�the�terms�of�that�specific�Promotional�Offer�and�this�Agreement.��In�each�
     Promotional�Balance�program,�any�new�or�different�terms�of�the�program�not�disclosed�in�this�Agreement�(such�as�the�APR,�effective�dates�and�other�
     special�terms)�will�be�detailed�in�the�Promotional�Offer.�
     The�DPR�Interest�Charge�is�the�Average�Daily�Balance�on�Promotional�Balances�multiplied�by�(1)�the�number�of�days�in�the�Billing�Period�and�(2)�the�
     applicable�DPR.�
     The�Promotional�Rate�will�apply�to�those�Promotional�Balances�until�the�Promotional�Offer�Termination�Date.�A�Promotional�Balance�will�not,�after�
     the�Termination�Date,�be�eligible�for�another�Promotional�Rate.�
     After�the�Termination�Date,�Your�Promotional�Rate�will�change�to�Your�regular�Purchases�DPR,�unless�disclosed�otherwise�in�the�Promotional�Offer.��
     If�the�reason�for�the�Termination�Date�is�a�Delinquency�Triggering�Event,�SunTrust�will�change�the�DPR�that�applies�to�Your�new�and�outstanding�
     Promotional�Balances�to�the�Purchase�DPR�and�corresponding�APR,�after�SunTrust�provides�You�any�notice�required�by�applicable�law.�
      Minimum�Interest�Charge�
     If�You�incur�Interest�Charges�in�any�Billing�Period,�a�minimum�Interest�Charge�will�post�to�Your�Account�(such�minimum�Interest�Charge�shown�as�the�
     �Minimum�Interest�Charge��on�Your�Statement).�If�You�incur�Interest�Charges�in�any�Billing�Period,�the�Minimum�Interest�Charge�will�be�no�less�
     than�the�amount�disclosed�in�the�Card�Mailer.��SunTrust�may�allocate�the�Minimum�Interest�Charge�among�Your�various�Balances�in�the�manner�that�
     SunTrust�elects�as�permitted�by�applicable�law.�
      Foreign�Currency�Exchange�Fee�for�Non?US�Transactions�
     All� Purchase� and� Cash� Advance� transactions� processed� in�a� foreign� currency� will� be� converted� to� U.S.� dollars� under� the� regulations� of� the� Card�
     Association� before� being� charged� to� Your� Account.�� (The� exchange� rate� that� the� Card� Association� uses� to� convert� currency� is� a� rate� the� Card�
     Association�selects�either�from�the�range�of�rates�available�in�the�wholesale�currency�markets�for�the�applicable�processing�date�(which�rate�may�vary�
     from�the�rate�the�Card�Association�itself�receives)�or�the�government?mandated�rate�in�effect�on�the�applicable�processing�date.)�
     Conversion�may�occur�on�a�date�other�than�the�date�of�the�transaction�or�the�date�the�transaction�is�posted�to�Your�Statement,�which�may�affect�the�
     conversion�rate�used.��If�a�Credit�transaction�is�processed�and�has�a�processing�date�different�than�the�original�transaction,�then�the�exchange�rate�of�
     the�Credit�can�be�greater/less�than�that�of�the�original�transaction.�
     SunTrust�will�assess�a�foreign�currency�transaction�fee�for�all�Purchase�transactions�processed�in�a�foreign�currency.�The�foreign�currency�transaction�
     fee�is�disclosed�in�the�Card�Mailer�and�will�be�calculated�after�each�Purchase�transaction�has�been�converted�from�a�foreign�currency.�
      Other�Charges�
     �
      Late�Payment�Fee.��Unless�Your�Account�is�exempt�from�Late�Payment�fees,�if�SunTrust�has�not�received�at�least�the�Minimum�Payment�by�its�Due�
      Date�as�shown�on�a�Statement,�SunTrust�will�add�a�Late�Payment�fee�to�Your�Purchase�Balance�based�on�the�New�Balance�outstanding�as�of�the�
      Closing�Date�for�the�Statement.��The�Late�Payment�fee�is�stated�on�the�Card�Mailer.�
      Annual�Fee.��If�Your�Account�has�an�annual�fee,�it�will�be�shown�on�the�Card�Mailer,�and�SunTrust�will�add�the�annual�fee�to�Your�Purchase�
      Balance.��If�an�annual�fee�is�applicable�to�Your�Account,�SunTrust�will�provide�You�with�notice�of�that�annual�fee�in�the�manner�required�by�law�and�
                                                                            6�|�P a g e�
      explain�how�You�may�terminate�Credit�availability�under�the�Account�to�avoid�paying�any�such�annual�fee.��If�You�do�not�terminate�the�Account,�
      the�terms�disclosed�will�continue�to�apply.�
      Returned� Payment� Fee.�� Unless� Your� Account� is� exempt� from� Returned� Payment� fees,� SunTrust� will� add� a� Returned� Payment� fee� to� Your�
      Purchase�Balance�if�(1)�a�payment�that�You�make�or�authorize�is�returned�to�SunTrust�unpaid�(for�example,� if�a�check�or�an�electronic�funds�
      transfer�to�SunTrust�is�returned�for�insufficient�funds�or�is�returned�because�it�is�not�signed�or�cannot�be�processed�for�any�reason);�or�(2)�any�
      Balance�Transfer,�Cash�Advance,�or�Promotional�Balance�check�is�dishonored�for�any�reason.�This�fee�may�be�imposed�even�if�Your�payment�is�
      later�re?presented�to�and�paid�by�Your�financial�institution.��The�Returned�Payment�fee�is�stated�on�the�Card�Mailer.�
      Stop� Payment� Fee.�� SunTrust� will� add� a� $39.00� stop� payment� fee� to� Your� Purchase� Balance� if� You� ask� SunTrust� to� stop� payment� on� any�
      Convenience�Check�drawn�on�Your�Account�or�on�any�Balance�Transfer�request.�
      Documentation�Fee.��SunTrust�will�provide�copies�of�Items�to�You�upon�request.�If�You�request�copies�of�more�than�two�Items�during�a�Billing�
      Period,�SunTrust�will�add�a�fee�to�Your�Purchase�Balance�up�to�$5.00�for�each�additional�copy�unless�prohibited�by�applicable�law.��SunTrust�will�
      not�impose�any�fee�if�Your�request�is�made�in�connection�with�written�notice�of�a�billing�error.�
      Phone�Pay�Fee.��From�time�to�time,�You�may�request�that�SunTrust�assist�You�in�making�an�expedited�Account�payment�from�a�designated�deposit�
      account,�so�that�the�payment�can�be�credited�to�Your�Account�as�of�the�day�of�Your�call�(or�on�the�following�business�day,�for�calls�made�after�the�
      applicable�cut?off�time�for�payments).�If�SunTrust�agrees�to�do�so�and�applicable�law�allows,�You�agree�that�SunTrust�will�add�the�phone�pay�fee�
      disclosed�at�the�time�of�Your�request�to�Your�Purchase�Balance.�
     �
      Payments�
     �
      What�You�Pay,�When,�How,�and�what�happens�if�You�pay�late�
     SunTrust�will�send�Your�Statement�to�the�address�that�the�Bank�has�on�file�for�You.��You�agree�to�pay�all�Authorized�Charges�on�the�Statement.��You�
     have�the�option�of�paying�in�full�the�New�Balance�shown�on�each�Statement�or�paying�in�installments�that�at�least�equal�the�amount�of�the�Minimum�
     Payment�shown�on�Your�Statement.�
     In�either�case,�the�payment�Due�Date�will�be�at�least�25�days�after�the�Closing�Date.��The�Minimum�Payment�will�include�any�amount�past�due�or�over�
     the�Credit�Limit�plus�the�greater�of�(1)�$20.00,�(2)�2%�of�the�New�Balance,�or�(3)�1%�of�the�New�Balance�plus�current�Interest�Charges�and�Other�
     Charges.��The�Minimum�Payment�amount� will�either�be�rounded�up� or� down� to� the�nearest� dollar.�If� the�New�Balance� is� less�than�$20.00,� the�
     Minimum� Payment� will� be� the� New� Balance.� If� You� pay� more� than� the� Minimum� Payment,� You� still� must� make� the� Minimum� Payment� on�
     subsequent�Statements�until�You�have�fully�paid�what�You�owe.�
     You�must�pay�in�U.S.�dollars,�without�restrictive�terms,�and�in�accordance�with�the�Standard�Payment�Instructions.�You�must�contact�SunTrust�at�
     least�3�business�days�before�an�automated�payment�is�scheduled,�if�You�want�to�stop�payment�on�the�amount�You�think�is�wrong.�
     If�You�do�not�pay�at�least�the�Minimum�Payment�by�the�Due�Date,�SunTrust�will�charge�a�Late�Payment�fee,�unless�Your�Account�is�exempt�from�Late�
     Payment�fees.��If�You�make�a�Late�Payment,�You�will�be�in�Default�and�You�may�be�subject�to�rate�increases.��If�You�are�in�Default�for�any�reason,�
     SunTrust� can� require� that� the� entire� full� Balance� on� Your� Account� be� immediately� paid.� If� You� do� not� immediately� pay� SunTrust� the� entire� full�
     Balance� due� when� required,� except� as� specifically� addressed� in� the� Arbitration� Provision� of� this� Agreement,� You� will� be� liable� to� SunTrust� for�
     collection�costs�that�SunTrust�incurs,�including�reasonable�attorneys��fees�and�expenses�of�legal�actions�to�the�extent�permitted�by�applicable�law.�
     Where�required�by�state� law�SunTrust� will� provide�You� with� notice�and�a� right� to�remedy�Your�Default� in� accordance� with�that� law.�SunTrust�s�
     acceptance�of�a�payment�after�the�payment�Due�Date�or�after�You�have�exceeded�Your�Credit�Limit�does�not�waive�SunTrust�s�right�to�require�
     immediate�payment�of�Your�entire�full�Balance.�
      How�SunTrust�will�apply�payments�
     You�agree�that�the�Minimum�Payments�on�Your�Account�will�be�applied�in�the�order�SunTrust�selects�in�accordance�with�applicable�law.��SunTrust�
     may�allocate�Your�Minimum�Payments�to�Balances�starting�with�the�lowest�APR.��Payments�in�excess�of�the�Minimum�Payment�will�generally�be�
     applied�first�to�Balances�with�the�highest�APR�and�any�remaining�portion�to�the�other�Balances�in�descending�order�based�on�their�APRs,�unless�
     SunTrust�is�required�by�applicable�law�to�use�a�different�payment�application�method�in�connection�with�a�deferred�interest�or�similar�program.�
     Payments�are�normally�applied�to�restore�Your�available�Credit�(the�amount�of�Your�unused�Credit�Limit).��There�may�be�a�delay�in�restoring�Your�
     available�Credit�until�SunTrust�determines�whether�a�payment�is�likely�to�be�returned�for�insufficient�funds�or�for�some�other�reason.�
      Amendment�(Changes)�and�Assignment�
     IMPORTANT� NOTICE:� In� accordance� with� applicable� law,� SunTrust� may� unilaterally� change� the� APRs,� Other� Charges,� and� other� terms� of� this�
     Agreement�at�any�time.�This�includes�modifications,�deletions�and�the�addition�of�new�provisions,�including�non?financial�provisions�(for�example,�
     SunTrust�may�add�provisions�relating�to�SunTrust�s�enforcement�rights�or�the�resolution�of�claims�and�disputes).�SunTrust�will�send�You�notice�in�
     accordance� with� the� communication� method� (in� writing� or� via� posting� of� updated� Agreement� terms� at�
     https://www.suntrust.com/PersonalBanking/EverydayBanking/CreditCards)� and� in� the� time� and� manner� required� by� law� for� the� changes� that�
     SunTrust�intends�to�make�to�Your�Account�and�this�Agreement.��Changes�will�be�automatically�effective�on�the�date�SunTrust�specifies,�except�as�
     otherwise�provided�in�any�change�in�terms�notice�SunTrust�provides.�Use�of�Your�Account�is�not�necessary�for�a�change�in�terms�to�be�effective.�You�
     will�have�the�right�to�reject�certain�changes�and�pay�off�Your�Account�in�the�same�manner�and�under�the�same�terms�and�conditions�as�then�in�effect,�
     as�described�in�any�change�in�terms�notice�SunTrust�provides�and�as�required�by�applicable�law.�SunTrust�may�terminate�or�suspend�Your�ability�to�
     use�the�Account�if�You�reject�certain�changes,�to�the�extent�permitted�by�applicable�law�and�as�described�in�any�change�in�terms�notice�that�SunTrust�
                                                                            7�|�P a g e�
     provides.��SunTrust�has�the�right�to�Assign�SunTrust�s�rights�under�this�Agreement�and�any�amount�You�owe�to�SunTrust.�You�do�not�have�the�right�
     to�assign�or�transfer�Your�rights�under�this�Agreement.�
      Additional�Information�
     �
      Your�liability�for�unauthorized�use�of�the�Card�
     To�report�a�lost/stolen�Card�call:�1?800?477?9702.�State�that�You�are�reporting�a�lost/stolen�Card.��You�must�notify�the�Bank�promptly�in�the�event�
     of�loss,�theft,�or�unauthorized�use�of�Your�Card.��This�notification�responsibility�means�that�You�should�regularly�check�Your�Statements�to�review�
     charges�that�post�to�Your�Account�to�confirm�that�unauthorized�charges�have�not�posted�to�Your�Account.�
     You�may�be�liable�for�the�unauthorized�use�of�Your�Card.�If�unauthorized�use�of�Your�Account�occurs,�You�agree�to�cooperate�with�SunTrust�and�law�
     enforcement� authorities� in� identifying� the�unauthorized�user.��However,�You�will�not�be� liable�for�unauthorized�use�that� occurs�after�You�notify�
     SunTrust�orally�or�in�writing�of�the�loss,�theft,�or�possible�unauthorized�use.�In�any�case,�Your�liability�will�not�exceed�$50�for�each�occurrence�of�loss�
     or�theft�or�any�lesser�amount�required�by�applicable�law�or�the�requirements�of�the�Card�Association.�You�may�write�to�SunTrust�at:�Cardholder�
     Services,�P.O.�Box�621569,�Orlando,�FL��32862?1569.�
      Ownership�of�the�Card�
     Your�Card�and�any�Convenience�Checks�or�other�Credit�instrument�or�device�that�SunTrust�provides�to�You�are�SunTrust�s�property�and�must�be�
     returned�to�SunTrust�or�SunTrust�s�agent�immediately�upon�demand.�At�SunTrust�s�request�You�will�destroy�Your�Card,�other�Credit�instruments�or�
     devices�and/or�special�checks,�by�cutting�them�in�half�and�surrendering�those�items�to�SunTrust�or�SunTrust�s�agent�by�mailing�them�to�SunTrust�or�
     dropping�them�off�at�SunTrust�s�office.�
      Credit�Limits,�Authorization,�and�Convenience�Checks�
     Unless�Your�Account�type�or�SunTrust�permits�You�to�exceed�Your�Credit�Limit,�You�agree�to�not�exceed�the�Credit�Limit�that�SunTrust�establishes�
     for�You,�but�if�You�do,�You�agree�to�pay�the�over�Credit�Limit�amount�as�part�of�Your�next�Minimum�Payment.�SunTrust�may�raise�or�lower�Your�
     Credit�Limit�at�SunTrust�s�discretion,�as�permitted�by�applicable�law.��SunTrust�is�not�liable�to�You�for�decreases�that�affect�Your�Credit�Limit�or�
     spending�limits.�Each�of�You�may�request�an�increase�to�the�Credit�Limit�of�a�joint�Account.�If�You�were�required�to�have�a�joint�Account�because�one�
     of�You�was�less�than�21�years�of�age�when�Your�Account�was�opened�and�that�individual�remains�less�than�21�years�of�age�when�SunTrust�considers�
     raising�the�Credit�Limit�of�Your�joint�Account,�SunTrust�will�not�increase�the�Credit�Limit�until�all�of�You�approve�and�assume�in�writing�joint�liability�
     for�an�increase�to�the�Credit�Limit�of�the�joint�Account.�SunTrust�may�establish�separate�limits�that�restrict�the�amount�of�the�Credit�Limit�available�
     for�Cash�Advances�or�Balance�Transfers.��SunTrust�may�decline�authorization�for�any�transaction�at�any�time.��SunTrust�is�not�liable�for�declining�
     authorization� for� any� transaction,� regardless� of� SunTrust�s� reason.�� All� transactions� on� Your� Account� are� subject� to� approval� based� upon� Your�
     Account�status,�available�Credit,�credit�history�and�other�factors.��You�may�not�stop�the�payment�of�any�Card�transaction.�
     SunTrust�may�reject�and�return�unpaid�any�Convenience�Check�that�You�write�for�any�reason.��You�must�pay�SunTrust�for�any�Convenience�Check�
     that� SunTrust� pays,� even� if� SunTrust� were� permitted� to� reject� and� return� the� Convenience� Check,� unless� the� Convenience� Check� constitutes�
     unauthorized�use.��SunTrust�may�refuse�to�issue�Convenience�Checks�or,�upon�notice�to�You,�refuse�to�permit�the�use�of�Convenience�Checks�already�
     issued.��You�may�call�SunTrust�at�1?800?477?9702�to�place�a�stop�payment�on�an�unpaid�Convenience�Check.��SunTrust�will�charge�the�stop�payment�
     fee.��You�must�provide�SunTrust�the�date,�amount,�name�of�payee,�and�the�number�of�the�Convenience�Check.��If�any�information�You�provide�is�
     incorrect�or�if�You�do�not�afford�SunTrust�a�reasonable�opportunity�to�act�on�Your�request,�SunTrust�may�not�be�able�to�stop�payment.��Once�a�
     Convenience�Check�has�been�paid,�SunTrust�will�not�be�able�to�reverse�the�payment.��Your�stop�payment�request�will�remain�valid�for�6�months.��You�
     must�renew�Your�request�before�it�expires�if�You�want�SunTrust�to�continue�honoring�the�stop�payment�request�after�the�initial�6�month�period.��You�
     agree�to�hold�harmless�and�indemnify�SunTrust�from�any�losses,�expenses�and�costs,�including�attorneys��fees�incurred�by�SunTrust,�for�preventing�or�
     failing�to�prevent�payment.�
      Individual�Liability�
     You,�as�a�Cardholder,�are�liable�for�all�Credit�obtained�under�Your�Account(s),�whether�obtained�by�You,�another�Cardholder�or�an�Authorized�User�
     of�the�Account.�If�there�is�more�than�one�Cardholder�on�the�Account,�each�of�You�is�liable,�jointly�and�severally,�for�all�Credit�obtained�under�the�
     Account(s),�regardless�of�which�of�You�obtains�that�Credit�or�benefits�from�it.�
      Termination�
     Either�You�or�SunTrust�may�terminate�this�Agreement�or�suspend�Your�Credit�privileges�under�this�Agreement�at�any�time,�with�or�without�cause.�
     You�will�not�try�to�make�any�Purchases�or�Balance�Transfers�or�try�to�obtain�any�Cash�Advances�or�Overdraft�Advances�on�Your�Account�after�Your�
     Credit�privileges�have�been�terminated�or�suspended.�However,�this�Agreement�will�otherwise�remain�in�full�force�and�effect�until�You�pay�all�sums�
     due�SunTrust.�
      Applicable�Law�
     Applicable�Law.�Except�as�expressly�set�forth�in�the�Arbitration�Provision�of�this�Agreement,�this�Agreement�and�the�interpretation�and�enforcement�
     thereof�(including�but�not�limited�to�the�exportation�of�interest�rates)�will�be�governed�by�Federal�law�applicable�to�SunTrust�and�to�the�extent�not�
     preempted�by�Federal�law,�the�laws�of�the�State�of�Georgia�without�regard�to�its�conflicts�of�law�provisions�and�principles.��If�there�is�any�conflict�
     between�any�of�the�terms�and�conditions�of�this�Agreement�and�applicable�Federal�or�State�law,�this�Agreement�will�be�considered�changed�to�the�
     extent� necessary� to� comply� with� the� applicable� law.� You� agree� that� all� terms� of� this� Agreement� are� material� to� the� determination� of� interest.��
     SunTrust�accepts�this�Agreement�in�its�home�state,�Georgia�
     �
                                                                            8�|�P a g e�
      Jury�Trial�Waiver�
     TO�THE�EXTENT�PERMITTED�BY�APPLICABLE�LAW,�FOR�ANY�MATTERS�NOT�SUBMITTED�TO�ARBITRATION,�YOU�AND�SUNTRUST�HEREBY�KNOWINGLY,�
     VOLUNTARILY,� INTENTIONALLY� AND� IRREVOCABLY� WAIVE� THE� RIGHT� TO� A� TRIAL� BY� JURY� WITH� RESPECT� TO� ANY� LITIGATION� BASED� UPON� OR�
     ARISING�OUT�OF�THIS�AGREEMENT,�RELATING�TO�THE�CREDIT,�OR�ANY�OTHER�DISPUTE�OR�CONTROVERSY�BETWEEN�YOU�AND�SUNTRUST.�
      Class�Action�Waiver�
     TO�THE�EXTENT�PERMITTED�BY�APPLICABLE�LAW,�FOR�ANY�MATTERS�NOT�SUBMITTED�TO�ARBITRATION,�YOU�AND�SUNTRUST�HEREBY�KNOWINGLY,�
     VOLUNTARILY,�AND�INTENTIONALLY�AGREE�THAT�ANY�LITIGATION�WILL�PROCEED�ON�AN�INDIVIDUAL�BASIS�AND�WILL�NOT�PROCEED�AS�PART�OF�A�
     CLASS�ACTION.�
      Other�Products�and�Services�
     SunTrust�will,�at�Your�request,�arrange�for�an�overnight�courier�to�deliver�additional�or�replacement�Cards�on�an�expedited�basis.�The�charge�assessed�
     by�the�overnight�courier�will�be�added�to�Your�Account�Balance.�From�time�to�time,�new�products,�optional�services�or�enhancements�(for�example,�
     insurance�or�Card�registration)�may�be�offered�on�Your�Account.�SunTrust�is�not�liable�for�these�features,�services�and�enhancements,�when�they�are�
     the�responsibility�of�a�third�party�provider.�You�agree�to�hold�SunTrust�harmless�from�any�claims,�actions�or�damages�resulting�from�Your�use�of�any�
     of�these�features,�services�or�enhancements,�when�permitted�by�applicable�law.�SunTrust�reserves�the�right�to�adjust,�add,�or�delete�benefits�and�
     services�at�any�time.�
      Credit�Inquiries�
     You�authorize�SunTrust�to�make�or�have�made�any�credit,�employment,�and�investigative�inquiries�that�SunTrust�deems�appropriate�related�to�the�
     extension�or�collection�of�Credit�under�the�Account.�If�You�dispute�credit�information�SunTrust�is�reporting�about�You,�You�may�notify�SunTrust�at�
     Cardholder�Services,�Attention:�Dispute�Department,�P.O.�Box�620548,�Orlando,�FL��32862?0548.�
      Consumer�Reporting�Agencies�(Credit�Bureaus)�
     It�is�standard�banking�industry�practice�and�within�federal�and�state�law�for�SunTrust�routinely�to�provide�data�about�customer�loan�repayment�and�
     transactions�to�consumer�reporting�agencies�and�other�creditors.��SunTrust�may�report�information�about�Your�Account(s)�to�credit�bureaus.��Late�
     Payments,�missed�payments,�or�other�Defaults�on�Your�Account(s)�may�be�reflected�in�Your�credit�report.�
      Sharing�of�Information�
     SunTrust�may,�to�the�extent�and�in�the�manner�permitted�by�applicable�law,�communicate�information�about�SunTrust�s�experiences�and�transactions�
     with�You�to�consumer�reporting�agencies,�SunTrust�s�affiliates,�and�others�who�may�properly�receive�that�information.��You�may�refer�to�SunTrust�s�
     Privacy�Statement�for�more�details�about�how�SunTrust�collects,�uses,�retains,�discloses,�and�safeguards�information�about�You�and�Your�Account.�
     SunTrust�s� Privacy� Statement� is� provided� when� consumer� Cardholders� establish� a� customer� relationship� with� SunTrust,� once� each� year� while�
     Cardholders�maintain�a�customer�relationship�with�SunTrust,�and�at�other�times�required�by�law.�You�may�request�an�additional�copy�of�SunTrust�s�
     Privacy� Statement� by� calling� SunTrust� at� 1?800?477?9702� or� sending� a� written� request� to� SunTrust� at� Cardholder� Services,� Attention:� Customer�
     Service,�P.O.�Box�621629,�Orlando,�FL��32862?1629.�
      Waiver�
     SunTrust�s�failure�to�exercise,�or�SunTrust�s�delay�in�exercising,�any�of�SunTrust�s�rights�under�the�Agreement�for�any�reason�will�not�mean�that�
     SunTrust�will�be�unable�to�exercise�those�rights�later.�
      Severability�
     The�invalidity�of�any�provision�of�the�Agreement�will�not�affect�the�validity�of�any�other�provision.�
      Entire�Agreement�
     This�Agreement,�as�modified�from�time�to�time�in�accordance�with�applicable�law�by�any�change�in�terms�that�SunTrust�will�deliver�to�You�(in�writing�
     or�via�update�to�Agreement�terms�that�are�published�at�https://www.suntrust.com/PersonalBanking/EverydayBanking/CreditCards),�constitutes�
     the�entire�Agreement�between�You�and�SunTrust,�and�supersedes�any�prior�negotiation�or�understanding�between�You�and�SunTrust�concerning�the�
     subject�matter�of�this�Agreement.�Section�headings�are�for�convenience�only�and�are�to�be�disregarded�when�interpreting�this�Agreement.�
      Illegal�Transaction�
     Any�financial�service�that�SunTrust�provides�pursuant�to�this�Agreement�may�be�used�for�any�transaction�permitted�by�law�in�accordance�with�this�
     Agreement.�You�agree�that�illegal�use�of�any�financial�service�will�be�deemed�an�action�of�Default�and/or�breach�of�contract�and�that�SunTrust�may�
     terminate�any�such�financial�service�and/or�other�related�services�at�SunTrust�s�discretion.��You�will�remain�responsible�for�paying�for�a�transaction,�
     even�if�it�is�not�permissible.�If�any�illegal�use�occurs,�You�also�agree�to�waive�any�right�to�sue�SunTrust�for�such�illegal�use�or�any�activity�directly�or�
     indirectly�related�to�it�and�indemnify�and�hold�SunTrust�harmless�from�any�suits�or�other�legal�action�or�liability,�directly�or�indirectly,�resulting�from�
     such�illegal�use.�
      Emergency�Card�Replacement�and�Cash�Disbursement�
     You�and�any�Authorized�User�agree�and�authorize�SunTrust�to�provide�Your�personal�data�to�the�Card�Association,�its�members,�or�their�respective�
     contractors�for�the�purpose�of�providing�Emergency�Card�Replacement�and�Emergency�Cash�Disbursement�benefits�to�You�on�Your�Account.�
     �
                                                                            9�|�P a g e�
      Arbitration�
     READ�THIS�PROVISION�CAREFULLY�AS�IT�WILL� HAVE�A�SUBSTANTIAL�IMPACT�ON�HOW�DISPUTES�AND�CLAIMS�THAT�YOU� AND/OR�SUNTRUST�
     HAVE(HAS)�AGAINST�EACH�OTHER�ARE�RESOLVED.�
     YOU�HAVE�THE�RIGHT�TO�REJECT�THIS�ARBITRATION�PROVISION�AS�SET�FORTH�BELOW.�If�You�do�not�reject�this�Arbitration�Provision,�for�a�Claim�
     subject�to�arbitration,�neither�You�nor�SunTrust�will�have�the�right�to:�(1)�have�a�court�or�a�jury�decide�the�Claim;�(2)�engage�in�information?
     gathering�(discovery)�to�the�same�extent�as�in�court;�(3)�participate�in�a�class�action�in�court�or�in�arbitration;�or�(4)�join�or�consolidate�Your�
     Claim(s)� with� claims� of� any� other� person.�� The� right� to� appeal� is� more� limited� in� arbitration� than� in� court� and� other� rights� in� court� may� be�
     unavailable�or�limited�in�arbitration.�
      Arbitration�Provision�Governing�Law�
     Notwithstanding�any�choice�of�law�or�other�provision�in�this�Agreement,�You�and�SunTrust�agree�and�acknowledge�that�this�Arbitration�Provision�
     evidences�a�transaction�involving�interstate�commerce�and�that�the�Federal�Arbitration�Act�(Title�9�of�the�United�States�Code)�(�FAA�)�will�govern�its�
     interpretation�and�enforcement�and�proceedings�pursuant�thereto.��Any�state�Arbitration�Act�or�Code,�including�any�amendments�thereto,�of�the�
     state�law�governing�this�document�does�not�apply�to�this�Agreement�or�security�interest,�as�applicable,�or�to�any�arbitration�or�award�under�this�
     Agreement�or�security�interest.�
      Arbitration�Procedures�
     If�You�or�SunTrust�elect(s)�to�arbitrate�a�Claim,�the�electing�party�must�notify�the�other�party�in�writing.��This�notice�can�be�given�after�the�beginning�
     of�a�lawsuit�and�can�be�given�in�papers�filed�in�the�lawsuit.��Otherwise,�a�notice�must�be�sent�to�the�Notice�Address�for�Arbitration.��If�such�a�notice�is�
     given,�the�Claim(s)�described�in�the�notice�will�be�resolved�by�individual�arbitration�under�this�Arbitration�Provision�and,�to�the�extent�consistent�with�
     this�Arbitration�Provision,�the�applicable�rules�of�the�Administrator�then�in�effect.��If�a�party�files�a�lawsuit�in�court�asserting�Claim(s)�that�are�subject�
     to�arbitration�and�the�other�party�files�a�motion�to�compel�arbitration�with�the�court,�which�motion�is�granted,�it�will�be�the�responsibility�of�the�party�
     prosecuting�the�Claim(s)�to�select�an�Administrator�in�accordance�with�this�Arbitration�Provision�and�the�Administrator�s�rules�and�procedures.�
     A�single�arbitrator�will�be�appointed�by�the�Administrator�and,�unless�You�and�SunTrust�agree�otherwise,�must�be�a�practicing�attorney�with�10�or�
     more�years�of�experience�or�a�retired�judge.��The�arbitrator�will�not�be�bound�by�judicial�rules�of�procedure�and�evidence�that�would�apply�in�a�court,�
     nor�by�state�or�local�laws�that�relate�to�arbitration�provisions�or�proceedings.��The�arbitrator�will�honor�and�enforce�statutes�of�limitation�and�claims�
     of�privilege�recognized�under�applicable�law.��In�determining�liability�and/or�awarding�damages�or�other�relief,�the�arbitrator�will�follow�the�applicable�
     substantive�law�(consistent�with�this�Agreement�and�the�FAA)�that�would�apply�if�the�matter�had�been�brought�in�court.��The�arbitrator�may�award�
     any�damages�or�other�relief�or�remedies�permitted�by�applicable�law.��The�arbitrator�will�write�a�brief�explanation�of�the�grounds�for�the�decision.��A�
     judgment�on�the�award�may�be�entered�by�any�court�having�jurisdiction.�
      Arbitration�Location�and�Costs�
     Any�arbitration�hearing�that�You�attend�will�take�place�in�a�location�that�is�reasonably�convenient�for�You.��For�Claims�that�total�less�than�$75,000.00,�
     at�Your�written�request,�SunTrust�will�pay�all�filing,�hearing�and/or�other�fees�that�the�Administrator�and�arbitrator�charge�You�for�Claim(s)�that�You�
     assert�in�arbitration�after�You�have�paid�an�amount�equivalent�to�the�fee,�if�any,�for�filing�such�Claim(s)�in�state�or�federal�court�(whichever�is�less)�in�
     the�judicial�district�in�which�You�reside.�(If�You�have�already�paid�a�filing�fee�for�asserting�the�Claim(s)�in�court,�You�will�not�be�required�to�pay�that�
     amount�again).�In�addition,�the�Administrator�may�have�a�procedure�whereby�You�can�seek�a�waiver�of�fees�that�the�Administrator�and�arbitrator�
     charge� You.��SunTrust� will� always� pay� any�fees� or� expenses� (1)� that� SunTrust� is� required� to� pay� by� law� or� the� Administrator�s� rules� or� (2)� that�
     SunTrust�is�required�to�pay�for�this�Arbitration�Provision�to�be�enforced.��The�arbitrator�will�have�the�authority�to�award�attorneys��and�expert�witness�
     fees�and�costs�to�the�extent�permitted�by�this�Agreement,�the�Administrator�s�rules,�or�applicable�law.��The�arbitrator�will�always�award�You�Your�
     reasonable�attorneys��and�expert�witness�fees�and�costs�(1)�if�and�to�the�extent�You�prevail�on�Claims�You�assert�against�SunTrust�in�an�arbitration�
     commenced�by�You�or�(2)�to�the�extent�required�under�applicable�law�for�this�Arbitration�Provision�to�be�enforced.�
      Class�Action�Waiver�
     Notwithstanding�any�other�provision�of�this�Agreement,�if�either�You�or�SunTrust�elect(s)�to�arbitrate�a�Claim,�neither�You�nor�SunTrust�will�have�
     the�right�(1)�to�participate�in�a�class�action,�private�attorney�general�action�or�other�representative�action�in�court�or�in�arbitration,�either�as�a�class�
     representative�or�class�member;�or�(2)�to�join�or�consolidate�Claims�with�claims�of�any�other�persons.��No�arbitrator�will�have�authority�to�conduct�
     any�arbitration�in�violation�of�this�provision;�provided,�however,�that�the�Class�Action�Waiver�does�not�apply�to�any�lawsuit�or�administrative�
     proceeding� that� a� state� or� federal� government� agency� files� against� SunTrust,� even� when� such� agency� is� seeking� relief� on� behalf� of� a� class� of�
     borrowers,�including�You.��This�provision�means�that�SunTrust�will�not�have�the�right�to�compel�arbitration�of�any�claim�brought�by�such�an�agency.��
     You�and�SunTrust�acknowledge�that�the�Class�Action�Waiver�is�material�and�essential�to�the�arbitration�of�any�disputes�between�us�and�is�non?
     severable�from�this�Arbitration�Provision.��If�the�Class�Action�Waiver�is�limited,�voided,�or�found�unenforceable,�then�this�Arbitration�Provision�
     (except�for�this�sentence)�will�be�null�and�void�with�respect�to�such�proceeding,�subject�to�the�right�to�appeal�the�limitation�or�invalidation�of�the�
     Class�Action�Waiver.��You�and�SunTrust�acknowledge�and�agree�that�under�no�circumstances�will�a�class�action�be�arbitrated.�
      Effect�of�Arbitration�Award�
     The�arbitrator's�award�will�be�final�and�binding�on�all�parties,�except�for�any�right�of�appeal�provided�by�the�FAA.�However,�if�the�amount�of�the�Claim�
     exceeds�$50,000�or�includes�a�request�for�injunctive�or�declaratory�relief�that�could�foreseeably�involve�a�cost�or�benefit�to�You�or�SunTrust�exceeding�
     $50,000,�either�You�or�SunTrust�may,�within�30�days�after�the�entry�of�the�award�by�the�arbitrator,�appeal�the�award�to�a�three?arbitrator�panel�that�
     the�Administrator�oversees.��The�panel�will�reconsider�anew�any�aspect�of�the�initial�award�that�the�appealing�party�requests.��The�decision�of�the�
     panel�will�be�by�majority�vote.��Reference�in�this�Arbitration�Provision�to��the�arbitrator��will�mean�the�panel�if�an�appeal�of�the�arbitrator�s�decision�
     has�been�taken.��The�costs�of�such�an�appeal�will�be�borne�in�accordance�with�the�above�paragraph�titled��Arbitration�Location�and�Costs.���Any�final�
                                                                           10�|�P a g e�
     decision�of�the�appeal�panel�is�subject�to�judicial�review�only�as�provided�under�the�FAA.�
      Notice,�Cure,�and�Special�Payment�
     Prior�to�initiating�a�Claim,�You�may�give�SunTrust�a�written�Claim�notification�describing�the�basis�of�Your�Claim�and�the�amount�You�would�accept�in�
     resolution�of�the�Claim,�and�a�reasonable�opportunity,�not�less�than�60�days,�to�resolve�the�Claim.��Such�a�Claim�notification�must�be�sent�to�SunTrust�
     by�certified�mail,�return�receipt�requested,�at�SunTrust�Bank�Legal�Department,�Attention:�General�Counsel���Claim�Notice,�303�Peachtree�Street�N.E.,�
     Suite�3600,�Mail�Code�0643,�Atlanta,�Georgia�30308.�This�is�the�sole�and�only�method�by�which�You�can�submit�a�Claim�notification.��If�(1)�You�submit�
     a�Claim�notification�in�accordance�with�this�paragraph�on�Your�own�behalf�(and�not�on�behalf�of�any�other�party);�(2)�You�cooperate�with�SunTrust�by�
     promptly�providing�the�information�SunTrust�reasonably�requests;�(3)�SunTrust�refuses�to�provide�You�with�the�relief�You�request;�and�(4)�the�matter�
     then�proceeds�to�arbitration�and�the�arbitrator�subsequently�determines�that�You�were�entitled�to�such�relief�(or�greater�relief),�You�will�be�entitled�
     to�a�minimum�award�of�at�least�$7,500�(not�including�any�arbitration�fees�and�attorneys��fees�and�costs�to�which�You�will�also�be�entitled).��SunTrust�
     encourages�You�to�address�all�Claims�You�have�in�a�single�Claim�notification�and/or�a�single�arbitration.��This�$7,500�minimum�award�is�a�single�award�
     that�applies�to�all�Claims�You�assert�or�could�have�asserted�in�the�arbitration.��Multiple�awards�of�$7,500�are�not�intended.�
      Continued�Effect�of�Arbitration�Provision,�Severability,�and�Conflicts�
     Notwithstanding�any�other� provision� of� this�Agreement,� to� the�extent� permitted�by� applicable�law,� this� Arbitration� Provision� will�survive� (1)�any�
     modification,�extension�or�forbearance�of�or�under�this�Agreement;�(2)�Your�full�repayment�of�the�Credit;�(3)�any�sale�or�transfer�of�the�Credit;�(4)�any�
     SunTrust�legal�proceeding�to�collect�a�debt�that�You�owe;�(5)�any�bankruptcy�(except�where�prohibited�by�bankruptcy�law);�and�(6)�the�termination,�
     cancellation,�suspension,�or�rejection�of�this�Agreement.��If�any�portion�of�this�Arbitration�Provision�(other�than�the�Class�Action�Waiver)�cannot�be�
     enforced,�the�rest�of�this�Provision�will�continue�to�apply.��In�the�event�of�a�conflict�between�this�Arbitration�Provision�and�any�applicable�rules�of�
     JAMS�or�AAA�or�other�Administrator�used,�the�provisions�of�this�Arbitration�Provision�will�control.�
      Right�to�Reject�Arbitration�Provision�
     You�may�reject�this�Arbitration�Provision�and�therefore�not�be�subject�to�being�required�to�resolve�any�dispute,�controversy,�or�claim�by�arbitration.��
     To�reject�this�Arbitration�Provision,�You�and�only�You�personally,�must�send�SunTrust�written�notice�of�Your�decision�so�that�SunTrust�receives�it�at�
     the�address�listed�below�within�forty?five�(45)�days�after�the�opening�date�of�Your�Account.��Such�notice�must�include�a�statement�that�You�wish�to�
     reject�this�Arbitration�Provision,�along�with�Your�name,�address,�Account�number,�and�Your�signature�and�must�be�mailed�to�the�SunTrust�Legal�
     Department,�Attention:�Arbitration�Rejection,�P.O.�Box�4418,�Mail�Code�0643,�Atlanta,�GA�30302?4418.��This�procedure�is�the�sole�and�only�method�by�
     which�You�can�reject�this�Arbitration�Provision�and�any�attempt�to�reject�this�Arbitration�Provision�by�any�other�person�or�through�any�other�method�
     or�form�of�notice,�including�the�filing�of�a�lawsuit,�will�be�ineffective.��Rejection�of�this�Arbitration�Provision�will�not�affect�any�remaining�terms�of�this�
     Agreement�and�will�not�result�in�any�adverse�consequence�to�You�or�Your�Account.��You�agree�that�SunTrust�s�business�records�will�be�final�and�
     conclusive�with�respect�to�whether�You�rejected�this�Arbitration�Provision�in�a�timely�and�proper�fashion.��This�Arbitration�Provision�will�apply�to�You�
     and�SunTrust�and�to�Your�Account�unless�You�reject�it�by�providing�proper�and�timely�notice�as�stated�herein.�
      Your�Billing�Rights�
     Keep�this�notice�for�future�use.��It�informs�You�about�Your�rights�and�SunTrust�s�responsibilities�under�the�Fair�Credit�Billing�Act.�
      What�to�do�if�You�find�a�mistake�on�Your�Statement�
     ?  If�You�think�there�is�an�error�on�Your�Statement,�write�SunTrust�at:�
        ?  SunTrust�Bank�
          Cardholder�Services,�P.O.�Box�620548,�Orlando,�FL�32862?0548�
          Attn:�Dispute�Department�
     ?  In�Your�letter,�give�SunTrust�the�following�information:�
        ?  Account�information:�Your�name�and�Account�number�
        ?  Dollar�amount:�The�amount�of�the�suspected�error�
        ?  Description�of�problem:��If�You�think�there�is�an�error�on�Your�Statement,�describe�what�You�believe�is�wrong�and�why�You�believe�it�is�a�
          mistake.�
     ?  You�must�contact�SunTrust:�
        ?  Within�60�days�after�the�error�appeared�on�Your�statement.�
        ?  At�least�3�business�days�before�an�automated�payment�is�scheduled,�if�You�want�to�stop�payment�on�the�amount�You�think�is�wrong.�
     ?  You�must�notify�SunTrust�of�any�potential�errors�in�writing.��You�may�also�call�SunTrust,�but�SunTrust�is�not�required�to�investigate�any�potential�
        errors�and�You�may�have�to�pay�the�amount�in�question�unless�You�provide�written�notice�of�the�suspected�error.�
      What�will�happen�after�SunTrust�receives�Your�letter�
     ?  When�SunTrust�receives�Your�letter,�SunTrust�must�do�two�things:�
        ?  Within�30�days�of�receiving�Your�letter,�SunTrust�must�inform�You�that�SunTrust�received�Your�letter;�SunTrust�will�also�inform�You�if�
          SunTrust�has�already�corrected�the�error.�
        ?  Within�90�days�after�receiving�Your�letter,�SunTrust�must�either�correct�the�error�or�explain�to�You�why�SunTrust�believes�the�bill�is�correct.�
     ?  While�SunTrust�investigates�whether�or�not�there�has�been�an�error:�
        ?  SunTrust�may�not�(1)�attempt�to�collect�the�amount�in�question�or�(2)�report�You�as�delinquent�on�that�amount;�
        ?  The�charge�in�question�may�remain�on�Your�Statement,�and�SunTrust�may�continue�to�charge�You�interest�on�that�amount;�
        ?  While�You�do�not�have�to�pay�the�amount�in�question,�You�are�responsible�for�the�remainder�of�Your�Balance;�and�
        ?  SunTrust�may�apply�any�unpaid�amount�against�Your�Credit�Limit.�
                                                                           11�|�P a g e�
     ?  After�SunTrust�finishes�the�investigation,�one�of�two�things�will�happen:�
        ?  If�SunTrust�made�a�mistake,�You�will�not�have�to�pay�the�amount�in�question�or�any�interest�or�other�fees�related�to�that�amount;�or�
        ?  If�SunTrust�does�not�believe�there�was�a�mistake,�You�will�have�to�pay�the�amount�in�question,�along�with�applicable�interest�and�fees;�
          SunTrust�will�send�You�a�statement�of�the�amount�You�owe�and�the�date�payment�is�due;�and�SunTrust�may�then�report�You�as�delinquent�
          if�You�do�not�pay�the�amount�SunTrust�states�that�You�owe.�
     ?  If�You�receive�SunTrust�s�explanation�but�still�believe�Your�bill�is�wrong,�You�must�write�to�SunTrust�within�10�days�telling�SunTrust�that�You�still�
        refuse�to�pay.��If�You�do�so,�SunTrust�cannot�report�You�as�delinquent�without�also�reporting�that�You�are�questioning�Your�bill.��SunTrust�must�
       tell�You�the�name�of�anyone�to�whom�SunTrust�reported�You�as�delinquent,�and�SunTrust�must�let�those�organizations�know�when�the�matter�
       has�been�settled�between�SunTrust�and�You.�
     ?  If�SunTrust�does�not�follow�all�of�the�rules�above,�You�do�not�have�to�pay�the�first�$50�of�the�amount�You�question�even�if�Your�bill�is�correct.�
      Your�rights�If�You�are�dissatisfied�with�a�Purchase�
     ?  If�You�are�dissatisfied�with�the�goods�or�services�that�You�Purchase�with�Your�Card/Account,�and�You�have�tried�in�good�faith�to�correct�the�
       problem�with�the�merchant,�You�may�have�the�right�not�to�pay�the�remaining�amount�due�on�the�Purchase.��To�use�this�right,�all�of�the�following�
       must�be�true:�
        ?  The�Purchase�must�have�been�made�in�Your�home�state�or�within�100�miles�of�Your�current�mailing�address,�and�the�purchase�price�must�
          have�been�more�than�$50.��(Note:��Neither�of�these�conditions�applies�if�Your�Purchase�was�based�on�an�advertisement�SunTrust�mailed�to�
          You,�or�if�SunTrust�owns�the�company�that�sold�You�the�goods�or�services.)�
        ?  You�must�have�used�Your�Card�for�the�Purchase.��Purchases�made�with�cash�advances�from�an�ATM�or�with�a�check�that�accesses�Your�
          Account�do�not�qualify.�
        ?  You�must�not�yet�have�fully�paid�for�the�Purchase.�
     ?  If�all�of�the�criteria�above�are�met�and�You�are�still�dissatisfied�with�the�purchase,�contact�SunTrust�in�writing�at:�
        ?  SunTrust�Bank�
          Cardholder�Services,�P.O.�Box�620548,�Orlando,�FL�32862?0548�
          Attn:�Dispute�Department�
     While�SunTrust�investigates,�the�same�rules�apply�to�the�disputed�amount�as�discussed�above.���After�SunTrust�finishes�the�investigation,�SunTrust�
     will�tell�You�SunTrust�s�decision.�At�that�point,�if�SunTrust�thinks�You�owe�an�amount�and�You�do�not�pay,�SunTrust�may�report�You�as�delinquent.��
      Definitions�
     Account���The�credit�card�Account(s)�SunTrust�approves�for�Your�use�that�is/are�subject�to�the�terms�and�conditions�of�this�Agreement.�
     Administrator���an�agency�or�individual�who�will�consider�and�resolve�a�Claim�between�You�and�SunTrust�in�accordance�with�the�Arbitration�Provision�
                                                                  th
     of�this�Agreement,�being�one�of�the�following:��(1)�American�Arbitration�Association�(�AAA�)���1633�Broadway,�10 �Floor,�New�York,�NY�10019,�
     www.adr.org,�1?800?778?7879;�(2)�JAMS���1920�Main�Street,�Suite�300,�Irvine,�CA�92614,�www.jamsadr.com,�1?800?352?5267;�or�(3)�if�both�JAMS�and�
     AAA� are� unable� or� unwilling� to� serve� as� Administrator,� a� neutral� and� impartial� arbitrator� mutually� acceptable� to� You� and� SunTrust.�� If� You� and�
     SunTrust�cannot�agree�on�an�Administrator,�You�and�SunTrust�agree�that�an�Administrator�may�be�appointed�by�a�court�in�accordance�with�the�
     Federal�Arbitration�Act,�9�U.S.C.����1�through�16;�provided,�however,�that�no�company�may�serve�as�Administrator,�without�SunTrust�s�and�Your�
     consent,�if�such�company�adopts�or�has�in�place�any�formal�or�informal�policy�that�is�inconsistent�with�and�purports�to�override�the�terms�of�the�
     Arbitration�Provision.��The�rules�and�forms�of�JAMS�and�AAA�may�be�obtained�by�writing�to�these�organizations�at�the�addresses�listed�above.�
     Agreement���Your�Card�Account�Agreement�with�SunTrust�for�the�Account,�which�contract�is�made�up�of�these�terms�and�conditions,�Your�application�
     or�response�to�SunTrust�s�solicitation,�and�the�documents�that�accompany�delivery�of�Your�Card�(Card�Mailer).�
     APR�(Annual�Percentage�Rate)���The�cost�of�Your�Credit�as�a�yearly�rate.��Different�APRs�may�apply�to�different�Balances�on�Your�Account,�such�as�
     Your�Balance�on�Purchases�or�Your�Balance�on�Cash�Advances.��SunTrust�uses�the�applicable�APR�to�calculate�the�Interest�Charge�that�You�owe�on�the�
     Account.��The�Card�Mailer�discloses�applicable�APRs�and�whether�the�Account�is�subject�to�a�Variable�or�Non?Variable�APR.�
        Non?Variable�APR���The�DPR�subject�to�the�Non?Variable�Rate�will�be�based�on�an�APR�that�does�not�vary�with�changes�in�an�Index�Rate.��The�
        Card�Mailer�discloses�the�APR�for�the�Non?Variable�Rate�as�of�the�date�Your�Account�was�opened.�
        Variable�APR��The�variable�APR�will�be�based�on�the�Index�Rate�plus�a�Margin.��The�Card�Mailer�discloses�the�APR�for�the�Variable�Rate.���An�
        increase�in�the�Index�Rate�may�result�in�a�higher�Minimum�Payment.���
     Assign���SunTrust�Assigns�Your�Account�and�this�Agreement�if�SunTrust�sells�or�transfers�to�another�party�any�or�all�of�SunTrust�s�rights�or�obligations�
     under�this�Agreement,�including�any�amount�that�You�owe�SunTrust�on�the�Account.��If�SunTrust�Assigns�Your�Account,�the�party�who�receives�the�
     assignment�will�have�SunTrust�s�rights�under�this�Agreement,�subject�to�the�extent�of�the�assignment.�
     Authorized�Charges���Any�Purchases,�Balance�Transfers,�Cash�Advances,�Overdraft�Advances,�and�Promotional�Balances�that�You�or�any�Authorized�
     User�makes�on�the�Account�and�any�fees�and�Interest�Charges�owing�on�the�Account.�
     Authorized� User� �� Any� person� You� authorize� to� use� the� Card� (whether� Cardholder� or� not� and� whether� or� not� such� use� exceeds� the� limit� You�
     authorized�or�intended).�
     Average� Daily� Balance� �� To� get� the� Average� Daily� Balance,� SunTrust� adds� the� outstanding� Balance� (including� new� transactions� and� deducting�
     payments�and�credits)�for�each�transaction�type�for�each�day�in�the�Billing�Period;�SunTrust�adds�together�all�the�daily�Balances�for�each�separate�
     transaction�type,�and�then�divides�by�the�number�of�days�in�the�Billing�Period.�
     Balance���Every�charge�on�the�Account,�including�transactions�that�You�make�and�Interest�Charges�and�fees�that�SunTrust�assesses,�falls�into�a�specific�
     Balance,�such�as�the�Balance�on�Purchases,�Balance�Transfers,�Cash�Advances,�Overdraft�Advances,�and�Promotional�Balances.��Fees�that�are�based�on�
     a�specific�transaction�are�assigned�to�the�same�Balance�as�the�applicable�transaction.��For�example,�a�foreign�transaction�fee�on�a�Purchase�is�assigned�
                                                                           12�|�P a g e�
     to�the�Balance�on�Purchases.��Fees�that�are�not�specific�to�a�given�transaction�with�the�Card�(like�a�Returned�Payment)�are�assigned�to�the�Balance�on�
     Purchases.�
     Balance�Transfer���Credit�SunTrust�extends�resulting�from�a�Balance�Transfer�that�You�request�by�any�means�(including�telephone,�Convenience�
     Check,�or�Balance�Transfer�request�form�that�SunTrust�provides).��SunTrust�s�policy�is�not�to�allow�You�to�transfer�any�Balance�You�owe�from�any�
     other�account�with�SunTrust�or�SunTrust�s�respective�affiliates.�SunTrust�may�permit�You�to�transfer�balances�from�other�credit�card�companies�or�
     financial�institutions�to�Your�Account�up�to�the�amount�of�Your�Credit�Limit.��If�You�request�an�amount�that�SunTrust�does�not�approve,�SunTrust�may�
     process�a�partial�Balance�Transfer�for�less�than�the�amount�that�You�requested�or�SunTrust�may�decline�the�entire�request.�SunTrust�is�not�liable�if�
     SunTrust�does�not�approve�a�requested�Balance�Transfer�(in�whole�or�in�part).�Balance�Transfer�requests�that�are�incomplete�or�illegible�will�not�be�
     approved.�SunTrust�reserves�the�right�to�make�Balance�Transfers�in�the�order�SunTrust�selects.��In�order�to�preserve�Your�dispute�rights,�You�should�
     not�transfer�balances�from�other�credit�card�companies�or�financial�institutions�if�those�balances�are�in�dispute.�You�should�allow�up�to�8�weeks�for�
     Balance�Transfers�to�be�completed.��You�should�continue�to�monitor�the�other�accounts�and�continue�to�pay�the�minimum�payment�due�on�those�
     accounts�until�You�receive�statements�from�those�creditors�showing�that�the�balances�have�been�paid�in�full.��This�confirmation�may�not�happen�until�
     after�the�transactions�appear�on�the�Statement�SunTrust�sends�You.��You�are�solely�responsible�for�any�late�payments,�ongoing�finance�charges�and�
     disputed�amounts�on�Your�other�accounts.�If�You�want�Your�other�accounts�closed�following�a�Balance�Transfer,�You�are�responsible�for�doing�so.�
     Billing�Period���The�time�interval�between�the�dates�of�Your�regular�billing�Statements.�Your�first�Billing�Period�may�be�less�than�one�month.�All�Credit�
     terms,�including�Minimum�Interest�Charges,�will�apply�in�each�Billing�Period�including�the�first�Billing�Period.�
     Card���Your�Card�is/are�the�physical�Card(s),�the�Account�number,�or�any�device�(such�as�a�check)�that�You�or�an�Authorized�User�can�use�to�access�
     Your�Account.�
                                                               �       �
     Card�Association���the�applicable�credit�card�association�through�which�Your�Card�Account�is�sponsored�(e.g.,�Visa �or�MasterCard ).�
     Cardholder� �� The� natural� person� to� whom� SunTrust� issues�a� Card� at� his/her�request� or� application,� or� a� natural� person� who� has� agreed� to� pay�
     obligations�arising�from�another�person�s�use�of�the�Card�or�Account.�
     Card�Mailer���the�mail�that�delivers�Your�Card�and�includes�Your�Agreement�and�other�terms�associated�with�Your�Card�Account�when�SunTrust�sends�
     Your�Card�to�You.�
     Cash�Advance���Credit�SunTrust�extends�to�You�in�the�form�of�a�loan�from�the�Account.�A�Cash�Advance�occurs�when�You:��(1)�obtain�cash�from�an�
     ATM�(automated�teller�machine),�(2)�obtain�cash�from�any�other�source,�(3)�make�a�wire�transfer,�(4)�buy�foreign�currency,�(5)�buy�traveler�s�checks,�
     (6)�buy�money�orders,�(7)�buy�lottery�tickets,�or�(8)�buy�gambling�chips�or�wagers.�
     Cash�Advance�Credit�Limit���The�maximum�amount�of�Credit�that�SunTrust�establishes�from�time�to�time�and�makes�available�to�You�on�the�Account�
     for�Cash�Advances.��Any�Cash�Advance�Credit�Limit�SunTrust�establishes�may�be�less�than�the�Credit�Limit�that�otherwise�applies�to�Your�Account.��The�
     Cash�Advance�Credit�Limit�is�stated�on�the�Card�Mailer.�
                                                            �       �
     Cash� Equivalent� Transactions� �� Transactions� performed� using� a� merchant� or� service� provider� that� Visa � or� MasterCard � identifies� as� a� seller� of�
     travelers�checks,�foreign�currency,�money�orders,�wire�transfers,�lottery�tickets,�funds�used�for�wagers�or�gambling,�or�similar�products�or�services.�
     These�transactions�are�treated�as�Cash�Advances�on�Your�Account.�
     Claim���means�any�claim,�dispute�or�controversy�between�You�and�SunTrust�(other�than�an�Excluded�Claim�or�Proceeding�as�set�forth�below),�whether�
     preexisting,�present�or�future,�which�arises�out�of�or�relates�to�the�Credit,�this�Agreement�or�any�transaction�conducted�with�SunTrust�in�connection�
     with�the�Credit�or�this�Agreement.���Claim��has�the�broadest�possible�meaning�and�includes�initial�claims,�counterclaims,�cross?claims,�third?party�
     claims,�and�federal/state/local/administrative�claims.��It�includes�disputes�based�upon�contract,�tort,�consumer�rights,�fraud�and�other�intentional�
     torts,�constitution,�statute,�regulation,�ordinance,�common�law,�and�equity,�and�includes�claims�for�money�damages�and�injunctive�or�declaratory�
     relief.��Upon�Your�demand�or�SunTrust�s�demand,�Claim(s)�will�be�resolved�by�individual�(not�class�or�class?wide)�binding�arbitration�in�accordance�
     with�the�terms�specified�in�the�Arbitration�Provision.��Neither�You�nor�SunTrust�waives�the�right�to�require�arbitration�of�a�new�Claim�by�bringing�a�
     Claim�in�a�lawsuit�or�by�failing�to�require�arbitration�of�another�Claim.�
     Closing�Date���The�last�day�of�a�Billing�Period.�
     Convenience�Check���A�check�that�the�Bank�provides�which�You�may�use�to�access�Your�Account�to�make�a�Purchase�or�a�Balance�Transfer.�
     Covered�Provider���means�any�third�party�that�provides�any�product�or�service�in�connection�with�the�Credit�if�(and�only�if)�You�assert�a�Claim�against�
     such�third�party�in�connection�with�a�Claim�You�assert�against�SunTrust.�
     Credit���means�the�credit�extension�You�receive�under�this�Agreement.�
     Credit�Limit���Your�Credit�Limit�will�appear�on�each�monthly�Statement.�
        For�Accounts�with�Spending�Limits:��The�maximum�amount�of�Credit�that�SunTrust�establishes�from�time�to�time�and�makes�available�to�You�on�
       the�Account.���
       For�Accounts�with�no�Pre?Set�Spending�Limits:�No�pre?set�spending�limit�does�not�mean�unlimited�spending.�Your�Account�will�be�assigned�a�
       revolving�Credit�Limit.�SunTrust�may�restrict�the�amount�of�Your�Credit�Limit�that�is�available�for�Balance�Transfers.�For�Cash�Advances,�You�may�
       only�spend�up�to�Your�assigned�Cash�Advance�Credit�Limit.�For�Purchases,�You�may�be�authorized�to�exceed�Your�assigned�Credit�Limit.�Each�
        transaction�You�make�is�authorized�based�on�factors�such�as�(1)�Your�Account�history;�(2)�credit�record;�(3)�absence�or�presence�of�suspected�
        fraud;� and� (4)� performance� and� delinquency� patterns.� If� You� attempt� to� make� a� Purchase� transaction� that� exceeds� your� Credit� Limit,� Your�
        Account� will� be� evaluated� based� upon� the� length� of� time� Your� Account� has� been� open� and� Account� usage,� performance� and� delinquency�
        patterns�with�SunTrust�or�with�Your�other�creditors,�and�Your�ability�to�pay.�In�certain�circumstances,�SunTrust�may�ask�for�additional�financial�
        records�to�authorize�a�transaction.�If�You�are�authorized�to�exceed�Your�Credit�Limit,�You�will�be�required�to�pay,�as�part�of�your�Minimum�
       Payment,�the�amount�by�which�Your�New�Balance�exceeds�Your�Credit�Limit.�SunTrust�encourages�You�to�provide�us�with�notice�of�forthcoming�
       unusual�activity,�such�as,�high�transaction�amounts,�high�velocity,�or�changes�in�geographic�patterns.�
                                                                           13�|�P a g e�
     Default���Subject�to�applicable�law�and�any�right�that�You�may�have�under�that�law,�SunTrust�may�require�immediate�payment�of�Your�entire�Account�
     Balance�and�You�will�be�in�Default�if�(1)�You�do�not�make�at�least�the�Minimum�Payment�on�or�before�the�payment�Due�Date,�(2)�a�Cardholder�or�
     Authorized� User� exceeds� or� tries� to� exceed� the� Credit� Limit� without� SunTrust�s� permission,� (3)� A� payment� You� make� is� rejected� or� cannot� be�
     processed,�(4)�SunTrust�reasonably�believes�that�a�Cardholder�s�ability�to�pay�SunTrust�is�materially�impaired�(for�example,�if�You�become�subject�to�
     bankruptcy�or�insolvency�proceedings�or�if�an�attachment�or�garnishment�proceedings�are�instituted�against�You�or�Your�property),�(5)�You�provide�
     SunTrust� with� false,� misleading� or� fraudulent� information� or� a� false� signature,� (6)� a� Cardholder� dies� or� is� legally� declared� incompetent� or�
     incapacitated,�(7)�You�fail�to�comply�with�any�provision�of�this�Agreement,�(8)�You�or�an�Authorized�User�makes�illegal�use�of�any�financial�service�
     under�the�Account�or�(9)�You�or�an�Authorized�User�continues�to�use�an�Account�or�Card�that�has�been�closed.�
     Delinquency�Triggering�Event���A�Delinquency�Triggering�Event�occurs�if�You�fail�to�make�a�Minimum�Payment�within�60�days�of�its�payment�Due�
     Date.�
     DPR�(Daily�Periodic�Rate)���the�daily�periodic�rate�is�calculated�from�the�applicable�APR.��The�DPR�is�equal�to�the�applicable�APR�divided�by�365�(or�
     366�in�a�leap�year).��SunTrust�may�use�DPR�to�calculate�the�Interest�Charge�as�described�in�this�Agreement.��Interest�Charges�resulting�from�the�
     application� of� DPRs� will� accrue� daily� and� be� calculated� on� the� Average� Daily� Balances� (including� new� transactions)� for� each� Account� feature�
     (Purchases,�Cash�Advances,�Balance�Transfers,�Overdraft�Advances,�and�Promotional�Balances).�
     Due�Date���This�is�the�date�by�which�SunTrust�must�receive�Your�payment�in�order�for�it�to�be�on�time.��Your�Due�Date�will�be�stated�on�Your�
     Statement.��It�will�occur�on�the�same�calendar�day�of�each�month.��It�will�be�at�least�21�days�after�the�date�SunTrust�mails�Your�Statement�and�at�least�
     25�days�after�the�end�of�Your�most�recently�concluded�Billing�Period�(Closing�Date).��To�be�timely,�SunTrust�must�receive�Your�payment�on�or�before�
     the�Due�Date�and�by�the�time�stated�on�Your�Statement.��If�no�time�is�stated�on�Your�Statement,�Your�payment�is�timely�if�SunTrust�receives�it�by�5�
     p.m.� Eastern� Time� on� the� Due� Date;� provided,� however,� that� if� You� make� a� payment� directly� to� SunTrust� personnel� at� a� SunTrust� branch,� Your�
     payment�will�be�credited�to�Your�Account�same�day�as�the�day�of�the�payment.��Payments�initiated�through�SunTrust�s�automated�telephone�service,�
     with�a�customer�service�representative,�or�via�SunTrust�s�web�site�will�be�subject�to�the�5:00�pm�payment�cut?off�time.�
     Crediting�of�Payments�to�Account:��Payments�that�SunTrust�receives�prior�to�5:00�p.m.�Eastern�Time�at�the�mailing�address�shown�on�the�front�of�Your�
     Statement�and�in�the�Standard�Payment�Instructions�will�be�credited�to�Your�Account�as�of�the�date�of�receipt.��Payments�that�SunTrust�receives�after�
     5:00�p.m.�Eastern�Time�will�be�credited�as�of�the�next�day,�unless�You�make�the�payment�directly�to�SunTrust�personnel�at�a�SunTrust�branch�after�5�
     p.m.,�as�stated�above.�If�SunTrust�accepts�a�payment�received�at�any�other�location�than�the�address�stated�in�Your�Statement�and�in�the�Standard�
     Payment�Instructions,�with�no�payment�coupon�enclosed,�or�that�does�not�conform�to�the�Standard�Payment�Instructions,�that�payment�may�be�
     subject�to�a�delay�in�crediting�of�up�to�5�days�after�the�date�of�receipt.�This�delay�may�result�in�additional�Interest�Charges,�Other�Charges,�and�
     possible�suspension�of�Your�Account.��Payments�initiated�through�SunTrust�s�automated�telephone�service�(if�available)�or�via�SunTrust�s�web�site�will�
     be�subject�to�the�5:00�pm�payment�cut?off�time.���
     Excluded�Claim�or�Proceeding���means�any�of�the�following�claims�or�proceedings,�which�will�not�be�subject�to�the�Arbitration�Provision:�(1)�any�
     dispute� or� controversy� about� the� validity,� enforceability,� coverage� or� scope� of� the� Arbitration� Provision� or� any� part� thereof� (including,� without�
     limitation,�the�Class�Action�Waiver�set�forth�in�the�Arbitration�Provision�and/or�this�sentence);�all�such�disputes�or�controversies�are�for�a�court�and�
     not�an�arbitrator�to�decide;�however,�any�dispute�or�controversy�that�concerns�the�validity�or�enforceability�of�the�Agreement�as�a�whole�is�for�the�
     arbitrator,�not�a�court,�to�decide;�(2)�any�individual�action�brought�by�You�or�SunTrust�in�small�claims�court�or�Your�state's�equivalent�court,�unless�
     such�action�is�transferred,�removed,�or�appealed�to�a�different�court;�(3)�any�self?help�or�non?judicial�remedy,�including�enforcement�of�a�security�
     interest� if� the� Credit� is� secured� by� collateral;� (4)� any� action� to� the� extent� that� it� seeks� provisional� or� ancillary� remedies� in� connection� with� the�
     foregoing;�and�(5)�any�individual�action�in�court�by�one�party�that�is�limited�to�preventing�the�other�party�from�using�a�self?help�remedy�and�that�does�
     not�involve�a�request�for�damages�or�monetary�relief�of�any�kind.��The�institution�and/or�maintenance�of�any�such�right,�action�or�litigation�will�not�
     constitute�a�waiver�of�the�right�of�either�You�or�SunTrust�to�compel�arbitration�regarding�any�other�dispute�subject�to�arbitration�pursuant�to�the�
     Arbitration�Provision.��Moreover,�the�Arbitration�Provision�will�not�apply�to�any�Claims�that�are�the�subject�of�(a)�a�class�action�filed�in�court�that�is�
     pending� as� of� the� effective� date� of� the� Arbitration� Provision� in� which� You� are� alleged� to� be� a� member� of� the� putative� class� (however,� You� and�
     SunTrust�will�continue�to�be�bound�by�any�prior�version�of�the�Arbitration�Provision)�or�(b)�a�motion�to�compel�arbitration�filed�by�SunTrust�against�
     You�before�the�effective�date�of�the�Arbitration�Provision�pursuant�to�a�prior�version�of�the�Arbitration�Provision�(however,�You�and�SunTrust�will�
     continue�to�be�bound�by�any�prior�version�of�the�Arbitration�Provision).�
     Grace�Period���The�time�period�during�which�You�may�avoid�paying�interest�on�certain�transactions.��As�stated�in�the�Card�Mailer,�the�Grace�Period�is�
     at�least�25�days�after�the�close�of�each�Billing�Period.��This�Agreement�defines�the�kinds�of�transactions�that�are�subject�to�a�Grace�Period�(See�Interest�
     Charges� and� Transaction� Fees� Section).�� If� a� particular� transaction� is� subject� to� a� Grace� Period,� Your� Account� starts� in� a� Grace� Period� for� that�
     transaction.��The�Grace�Period�will�continue�if�You�pay�Your�New�Balance�on�time�each�Billing�Period.��You�will�lose�the�Grace�Period�if�You�do�not�pay�
     Your�New�Balance�in�a�given�Billing�Period.��To�regain�Your�Grace�Period�after�You�lose�it,�You�must�pay�Your�New�Balance�on�time�for�1�Billing�Period.��
     If�You�lose�Your�Grace�Period�for�transactions�to�which�the�Grace�Period�previously�applied,�You�will�owe�interest�on�any�unpaid�Balance.��Interest�on�
     those�transactions�will�begin�to�accrue�from�the�end�of�the�Billing�Period�for�which�You�failed�to�pay�Your�New�Balance.��For�any�such�transactions�that�
     You�make�after�You�lose�Your�Grace�Period,�You�will�pay�interest�from�the�Transaction�Date�until�the�time�that�You�regain�the�Grace�Period�for�
     transactions�of�this�type.�
     Index�Rate���The�rate�used�for�making�variable�rate�adjustments�to�Your�APR.��The�Index�Rate�is�the�Prime�Rate�as�quoted�in�the�"Money�Rates"�
     section�of�The�Wall�Street�Journal�(Eastern�Edition)�on�the�28th�day�(or�if�the�28th�day�is�not�a�business�day,�the�next�business�day�thereafter)�of�the�
     prior�calendar�month.��If�The�Wall�Street�Journal�(Eastern�Edition)�is�not�published�or�the�Prime�Rate�is�not�given�on�any�of�these�dates,�then�the�Index�
     Rate�will�be�determined�by�using�the�immediately�preceding�published�Prime�Rate�for�such�date.��If�the�Prime�Rate�is�no�longer�available,�SunTrust�will�
     choose�a�new�index�and�notify�You�as�required�by�applicable�law.��Index�Rate�changes�will�be�effective�on�Your�Billing�Period�that�commences�on�or�
     after�the�first�day�of�the�next�succeeding�month�after�the�Index�Rate�is�published.�(For�example,�if�a�new�Index�Rate�is�published�on�June�28th,�the�
     new� APR� would� be� effective� as� of� the� first� day� of� the� Billing� Period� that� commences� July� 1� or� after).�� An� Index� Rate� increase� will� increase� the�
     applicable�APR,�which�may�increase�Your�Minimum�Payment.�
     Interest�Charge���The�cost�of�Your�Credit�on�the�Account�as�a�dollar�amount�that�SunTrust�derives�by�applying�Your�DPR�to�the�Average�Daily�Balance.�
                                                                           14�|�P a g e�
     Items���Statements,�sales�drafts�and/or�payment�instruments.�
     Late�Payment���A�payment�that�You�make�that�SunTrust�does�not�receive�before�the�Due�Date.�
     Margin���The�rate�added�to�the�Index�Rate�to�determine�Your�APR.�
     Minimum�Payment���The�Minimum�Payment�due�on�Your�Account�as�shown�on�Your�Statement.�
     New�Balance���The�entire�Balance�of�Purchases,�Cash�Advances,�Overdraft�Advances,�Balance�Transfers�and�any�Promotional�Balances�outstanding�on�
     Your�Account�on�the�Closing�Date,�plus�all�accrued�Interest�Charges�and�Other�Charges�as�of�such�date.�
     Notice�Address�for�Arbitration���means,�except�as�otherwise�specified�in�the�Arbitration�Provision,�the�address�that�must�be�used�for�giving�notices�
     under�the�Provision.��The�initial�Notice�Address�for�You�is�the�latest�address�SunTrust�has�in�SunTrust�s�files.��The�initial�Notice�Address�for�SunTrust�is:�
     SunTrust�Bank�Legal�Department,�Attention:�General�Counsel���Arbitration�Election,�303�Peachtree�Street�N.E.,�Suite�3600,�Mail�Code�0643,�Atlanta,�
     Georgia�30308,�although�SunTrust�may�give�You�notice�at�any�time�that�SunTrust�has�changed�SunTrust�s�Notice�Address.�
     Other�Charges���Charges�to�Your�Account�as�described�in�the�Other�Charges�Section�of�this�Agreement,�including�fees�for:��Late�Payments*,�Annual�
     Fee,�Returned�Payments*,�Stop�Payments*,�Documentation*,�and�Phone�Payments*.��*SunTrust�will�consider�reversal�of�these�Other�Charges�fees�on�
     open�Accounts�in�good�standing�if�circumstances�warrant�such�consideration,�such�as�claims�of�Bank�errors�and�other�mitigating�factors.�
     Overdraft�Advance���Credit�SunTrust�extends�to�You�in�the�form�of�a�loan�from�the�Account�to�cover�an�overdraft�on�a�deposit�account�that�You�
     designate�at�SunTrust.��You�must�enroll�in�the�SunTrust�overdraft�protection�program�to�receive�this�form�of�Credit.�
     Promotional� Balance� �� Credit� SunTrust� extends� for� an� introductory� and� other� designated� Purchase� or� Balance� Transfer� transaction,� subject� to�
     discounted� fees� and/or� a� different� DPR� than� your� standard� DPR� for� Purchases.�� Your� use� of� a� Promotional� Offer� from� SunTrust� results� in� a�
     Promotional�Balance.�
     Promotional�Rate���The�DPR�applied�to�Promotional�Balances.�
     Purchase���Credit�SunTrust�extends�to�You�when�You�or�an�Authorized�User�(1)�use(s)�the�Card�or�Account�to�purchase�goods,�labor,�insurance�or�
     services�through�sellers�and�lessors�that�honor�Your�Card�or�Account�for�the�purpose�of�completing�a�Purchase�or�(2)�use(s)�a�Convenience�Check�or�
     other�Credit�instrument�that�SunTrust�provides�for�You�to�make�a�Purchase.�
     Returned�Payment���A�payment�that�You�make�that�Your�financial�institution�does�not�honor.��If�You�have�a�Returned�Payment,�SunTrust�will�assess�a�
     fee�in�accordance�with�the�terms�of�this�Agreement.��If�SunTrust�resubmits�a�Returned�Payment�and�Your�financial�institution�subsequently�honors�it,�
     SunTrust� will� still� assess� a� Returned� Payment� fee� because� Your� financial� institution� originally� returned� the� payment� as� unpaid.�� If� Your� financial�
     institution�returns�a�payment�more�than� once,�SunTrust� will� not� charge� more�than�one� Returned� Payment�fee.�� If� You� make�a�new�payment� to�
     SunTrust,�however,�and�Your�financial�institution�does�not�honor�it,�SunTrust�will�assess�an�additional�Returned�Payment�fee.�
     Savings�Account���the�Savings�Account�(called��Secured�Card�Savings�Account�)�that�You�opened�and�maintain�and�pledged�(via�security�interest)�to�
     SunTrust�to�secure�payment�of�your�outstanding�Balance.�
     Standard�Payment�Instructions���These�instructions�require�You�to�pay�your�credit�Card�bill�as�follows.��Pay�(1)�in�U.S.�dollars,�(2)�not�in�cash,�unless�
     You�pay�at�one�of�SunTrust�s�branches,�(3)�from�a�U.S.�deposit�account�or�cashier�s�check�drawn�on�a�U.S.�financial�institution,�(4)�without�restrictive�
     language�(e.g.,��payment�in�full�)�included�or�attached�to�the�payment,�and�(5)�not�from�a�credit�account�that�SunTrust�provides�You,�such�as�a�
     Convenience�Check�drawn�on�this�Account.��If�You�make�payment�in�a�paper�form�(like�a�check,�money�order,�or�cashier�s�check),�You�must�include�
     the�payment�coupon�from�Your�Statement�or�write�Your�Card�Account�number�on�the�payment.��If�SunTrust�decides�in�the�Bank�s�discretion�to�accept�
     a� form� of� payment� that� does� not� meet� these� Standard� Payment� Instructions,� SunTrust� does� not� waive� the� Bank�s� right� to� continue� to� require�
     payments�that�comply�with�these�instructions.��If�SunTrust�decides�to�accept�a�payment�that�You�make�in�a�foreign�currency,�SunTrust�will�choose�the�
     conversion�rate�to�apply.��The�date�You�mail�the�payment�is�different�from�the�date�the�Bank�receives�the�payment.��The�payment�date�is�the�date�
     that�the�Bank�receives�Your�payment�in�accordance�with�these�Standard�Payment�Instructions.��If�You�fail�to�comply�with�these�Standard�Payment�
     Instructions,� credit� to� Your� Account� for� the� payment� may� be� delayed.�� This� delay� may� result� in� additional� Interest� Charges,� Other� Charges,� and�
     possible�suspension�of�Your�Account.��Contact�SunTrust�at�1?800?477?9702�to�inquire�about�phone�pay.��Mailed�payments�should�be�sent�to:�
                                                                          SunTrust�Bank�
                                                                       Cardholder�Services�
                                                                         P.O.�Box�791278�
                                                                   Baltimore,�MD��21279?1278�
     NOTE:��Any�disagreement�that�You�may�have�with�respect�to�charges�on�Your�Statement�must�be�presented�to�SunTrust�in�writing�separately�from�
     your�payment�and�to�a�different�address�than�where�Your�payments�are�sent.��(See�the��Your�Billing�Rights��Section�of�this�Agreement.)�
     Statement���SunTrust�will�send�You�a�bill�at�the�end�of�each�Billing�Period�if�Your�Account�has�a�debit�Balance�of�any�amount�or�a�credit�Balance�of�
     more�than�$1,�unless�SunTrust�has�decided�Your�Account�is�uncollectible�or�has�closed�or�suspended�Your�Account�for�collection�proceedings�against�
     You.��The�Statement�will�tell�You�the�total�Balance�that�You�owe�the�Bank�as�of�the�end�of�the�last�Billing�Period.��It�will�also�tell�You�the�Minimum�
     Payment�that�You�must�pay�the�Bank�by�the�stated�Due�Date.�
     SunTrust���means�(1)�SunTrust�Bank,�the�bank�that�is�providing�You�Credit,�and�will�include�(2)�any�person(s)�to�whom�the�Credit�is�transferred�or�
     assigned;� (3)� any� Covered� Provider;� (4)� the� parents,� controlling� persons,� subsidiaries� and� affiliates� of� the� companies� in� (1)?(3)� above;� (5)� the�
     successors�and�predecessors�of�the�companies�in�(1)?(4)�above;�and�(6)�the�officers,�directors�and�employees�of�the�companies�in�(1)?(5)�above..��
     SunTrust�may�also�be�referred�to�as��the�Bank.��
     Termination�Date���This�is�the�last�day�a�Promotional�Rate�will�apply�to�a�Promotional�Balance.��It�will�be�the�earlier�of�(1)�the�last�day�specified�in�the�
     Promotional�Balance�offer�or�(2)�the�date�identified�in�any�notice�to�You�when�a�Delinquency�Triggering�Event�occurs.�
     Transaction�Date���The�Transaction�Date�of�a�Purchase�is�the�sale�date.��The�Transaction�Date�of�a�Balance�Transfer,�Cash�Advance,�or�Overdraft�
     Advance�is�the�date�that�You�request�such�a�transaction.�
     You,�Your�and�Yours���means�the�Cardholder(s).�
                                                                           15�|�P a g e�
       The�information�about�the�costs�of�the�card�described�in�this�application�is�accurate�as�of�June�30,�2014.��This�information�may�have�
        changed�after�that�date.��To�find�out�what�may�have�changed,�write�Cardmember�Services,�P.O.�Box�621569�Orlando,�FL�32862?1569.�
        �
      Interest Rates and Interest Charges 
      Annual�Percentage�Rate�(APR)�for�
                                  �Prime�Rate�+�14.74%�to�Prime�Rate�+�16.74%�
      �Purchases�
                                  Your�rate�will�be�based�on�your�creditworthiness.���
                                  This�APR�will�vary�with�the�market�based�on�the�Prime�Rate.�
      APR�for�Balance�Transfers��Prime�Rate�+�14.74%�to�Prime�Rate�+�16.74%
                                  Your�rate�will�be�based�on�your�creditworthiness.���
                                  This�APR�will�vary�with�the�market�based�on�the�Prime�Rate.�
      APR�for�Cash�Advances�and�Overdraft� 24.99%
      �Advances�                  This�rate�will�vary�with�the�market�based�on�the�Prime�Rate.�
      How�to�Avoid�Paying�Interest�on�Purchases� Your�due�date�is�at�least�25�days�after�the�close�of�each�billing�cycle.�We�will�not�charge
                                  �you�any�interest�on�purchases�if�you�pay�your�entire�balance�by�the�due�date�each�
                                  �month.�
      Minimum�Interest�Charges�   If�you�are�charged�interest,�the�charge�will�be�no�less�than�$1.50.
      Fees 
      Annual�Fee�                 *$29to�$39
      Transaction�Fees�
      *�Balance�Transfer�         *$10.00�or�4%�of�the�amount�of�the�transfer,�whichever�is�greater�
      *�Cash�Advance�             *$10.00�of�4%�of�the�amount�of�the�transfer,�whichever�is�greater�
      *�Foreign�Transaction�      *�3%�of�each�transaction�in�U.S.�Dollars�
      Penalty�Fees�
      *�Late�Payment�             *�Up�to�$35�
      *�Returned�Payment�         *�UP�to�$35�
     How�We�Calculate�Your�Balance:�We�use�a�method�called��average�daily�balance�(including�new�transactions).��See�the�Card�Agreement�
     for�more�details.�
     P1751�?�Secured�
                                                                           16�|�P a g e�