Credit Card Account Agreement

P-1872 
Rev. 4/19

Table of Contents

SUMMARY OF KEY TERMS
AGREEMENT TERMS
Costs
Overdraft Protection
Payments

Card Account 
Agreement (CA) 
SUMMARY OF 
KEY TERMS

When are You bound 
by the 
CA Terms?

What types of 
transactions might You 
make with the Card/
Account and how are 
these transactions 
itemized on Your bill 
each month?

What You Pay, when, 
how, and what happens 
if You pay late?

Amendment (Changes) and Assignment
Additional Information
Arbitration Provision
Your Billing Rights
Definitions

Each bolded word or phrase is defined in the definitions section at the 
end of this Agreement. A copy of the Agreement may be found online at 
www.suntrust.com/personal-banking/credit-cards.

Your Card Account Agreement with SunTrust starts and You agree to 
the terms when (1) You accept and/or sign the Card or (2) You or an 
Authorized User use(s) the Card or Account, thus obtaining Credit from 
SunTrust.

• You may use Your Card/Account to make legal Purchases, Cash 
Advances, Overdraft Advances and Balance Transfers. You are 
responsible for transactions that You, other Cardholders, and 
Authorized Users make, whether the transactions are legal or not.
• Each type of transaction has different associated costs and terms; 
each transaction type and associated costs 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.

• SunTrust will send You a monthly Statement (bill). 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 of Your Statement.
• The Minimum Payment will include any amount past due or over 

Your Credit Limit plus the greater of (1) $25.00, (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 $25.00, 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 payments?

• You agree that the Minimum Payments on Your Account will be 

applied in the order SunTrust selects.

• 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

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How will SunTrust apply 
Your payments?

  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.

What other important 
terms exist in the CA?

Your liability for unauthorized use of the Card – what to do/what 
happens if Your Card is stolen.

What other important 
terms exist in the CA?

Interest Charges and 
Transaction Fees in 
General:

Interest Rates and 
Interest Charges based 
upon Credit Inquiries:

Cost on Purchases: 
SunTrust will charge the 
Interest Charge (unless 
inapplicable because 
of the Grace Period) on 
Your Purchases from the 
transaction date.

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.

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. [See the Card Mailer for disclosure of APRs, corresponding 
DPRs (Daily Periodic Rate), Minimum Interest Charge, transaction 
fees, and Other Charges.]

Your eligibility for Credit, initial and on-going Interest Rates, and 
other CA terms may vary based upon Your credit worthiness. You 
authorize SunTrust to make or have made any credit, employment, 
and investigative 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.

• 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.

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Costs on Cash Advances: 
SunTrust will charge the 
Interest Charge on Your 
Cash Advances from the 
date they are posted to 
Your Account.

Cost on Overdraft 
Advances: 
SunTrust will charge the 
Interest Charge on Your 
Overdraft Advances from 
the date they are posted 
to Your Account.

Costs on Balance 
Transfers: 
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.

Foreign Currency 
Exchange on

Non-US Transactions:

Other Charges:

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. Cash Advances 
do not have a Grace Period.
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. Overdraft Advances do not have a 
Grace Period.

• 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.

• 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. Unless SunTrust informs You otherwise, Balance 
Transfers do not have a Grace Period.

• All Purchase and Cash Advance transactions processed in a foreign 
currency will be converted to U.S. dollars under the regulations 
(which affect rate and actual date of the exchange) of the Card 
Association before being charged to Your Account.

• If Your Account has a foreign currency transaction fee, it will be 

shown on the Card Mailer.

• 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.

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.

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Other Charges:

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.

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

Interest Rate increase 
on existing Balances

In the first year, a 
Promotional Rate ends or 
the Index Rate changes; 
after that, any reason

Promotional period ends, 
Index Rate changes, or Your 
Account is in a workout 
arrangement

Promotional Rate ends or Index Rate 
changes, no notice; otherwise, 45 days

No notice requirement or per terms of 
the workout 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

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.

6

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.

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.

7

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 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.
If Your Account has a foreign currency transaction fee, it will be shown on Your 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 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.

8

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.

Overdraft Protection

If You elect to link Your SunTrust eligible Consumer Checking Account, Savings Account or Money 
Market Savings Account to this SunTrust Credit Card for overdraft protection (the “Protected 
Account”), funds will be transferred from Your Credit Card Account (the “Protector Account”) 
into Your Protected Account when checks, bill pay, or other debit transactions would cause Your 
Protected Account to be overdrawn if those transactions are paid. 
Transfers will be made in $100 increments from the Protector Account to Your Protected Account. 
These transfers shall be considered a “Cash Advance” as that term is defined under Your Credit 
Card Account Agreement. Fees and interest rates for Cash Advances are disclosed to clients in 
their Credit Card Account Agreement and may be higher than those associated with other Credit 
Card transactions. There is no Grace Period for Cash Advances, meaning finance charges will 
accrue from the date the Cash Advance is posted to Your Credit Card Account. If the available 
Credit on Your Credit Card Account (i.e. Credit Limit or the available Cash Advance limit) is 
insufficient to cover the entire overdraft, we may make transfers to pay individual debit Items up to 
the available accessible Credit on Your Credit Card Account. For example, if Your deposit account 
has a Balance of $10.00 and a check or other debit item for $80.00 is presented for payment, which 
if paid would cause Your deposit account to be overdrawn, a transfer of $100 will be made from 
Your Credit Card Account to Your deposit account and an overdraft protection Cash Advance of 
$100 will post to this Account. We will also charge an additional Overdraft Protection transfer fee 
to Your Protected Account for each day a transfer is made, as disclosed in the Personal Deposit 
Accounts Fee Schedule. 

Be advised that we reserve the right to not initiate transfers to cover overdrafts and to return the 
debit item(s) for non-sufficient funds. By way of example only, we ordinarily will not initiate an 
overdraft transfer or advance funds as a Cash Advance under the following circumstances: (i) if You 
are in Default under Your Credit Card Account Agreement; (ii) if the Cash Advance would cause 
You to exceed the available Credit for a given transaction; (iii) if Your Credit Card is in a closed or 
blocked status (e.g. due to fraud); (iv) if You fail to make a Credit Card payment by its Due Date; 
and/or (v) if You exceed any Credit Card limit on Your Credit Card Account. In these instances, 
an overdraft or returned item fee for each debited item will be charged to the Protected Account, 
which is disclosed in the Personal Deposit Accounts Fee Schedule. 
Overdraft protection is only available for active Credit Card Accounts, but be advised that linking a 
deposit account to a Credit Card does not automatically activate that Card. Conversely, cancelling 
overdraft protection will not cancel a Credit Card.
A Cash Advance transfer to the Protected Account due to overdraft protection will not activate 
Your Credit Card. Cancelling overdraft protection will not close Your Credit Card. However, closing 
a Credit Card Account will cancel the overdraft protection service.

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) $25.00, 
(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 $25.00, 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.

9

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 www.suntrust.com/personal-banking/
credit-cards) 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 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: 866.732.1683. 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.

10

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 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.

11

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.

Military Lending Act

The Military Lending Act provides protections for certain members of the Armed Forces and their 
dependents (“Covered Borrowers”). The provisions of this section apply to Covered Borrowers under 
the Military Lending Act. If you would like more information about whether you are a Covered 
Borrower and whether this section applies to you, please contact us at 1-844-310-5891. Statement 
of MAPR. Federal law provides important protections to members of the Armed Forces and their 
dependents relating to extensions of consumer credit. In general, the cost of consumer credit to 
a member of the Armed Forces and his or her dependent may not exceed an Annual Percentage 
Rate of 36%. This rate must include, as applicable to the credit transaction or account: (1) the 
costs associated with credit insurance premiums; (2) fees for ancillary products sold in connection 
with the credit transaction; (3) any application fee charged (other than certain application fees for 
specified credit transactions or accounts); and (4) any participation fee charged (other than certain 
participation fees for a credit card account). Oral Disclosures. In order to hear important Military 
Lending Act disclosures and payment information provided in this Agreement, please call 1-844-310-
5891. Applicability of Jury Trial Waiver, Class Action Waiver, and Arbitration Provision. The Jury Trial 
Waiver, Class Action Waiver, and Arbitration Provision set forth in this Note do not apply to Covered 
Borrowers under the Military Lending Act.

Jury Trial Waiver

UNLESS YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT AND 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 IN RESPECT TO ANY LITIGATION ARISING OUT OF THIS AGREEMENT, RELATING TO 
THE ACCOUNT, ANY CREDIT TRANSACTION, OR ANY OTHER DISPUTE OR CONTROVERSY BETWEEN 
YOU AND SUNTRUST OR ANY OF SUNTRUST’S EMPLOYEES, OFFICERS, DIRECTORS, PARENTS, 
CONTROLLING PERSONS, SUBSIDIARIES, AFFILIATES, SUCCESSORS AND ASSIGNS.

Litigation Class Action Waiver

TO THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED TO 
ARBITRATION, YOU AND SUNTRUST HEREBY AGREE THAT ANY LITIGATION ARISING OUT OF THIS 
AGREEMENT, RELATING TO THE ACCOUNT, ANY CREDIT TRANSACTION, OR ANY OTHER DISPUTE 
OR CONTROVERSY BETWEEN YOU AND SUNTRUST OR ANY OF SUNTRUST’S EMPLOYEES, OFFICERS, 
DIRECTORS, PARENTS, CONTROLLING PERSONS, SUBSIDIARIES, AFFILIATES, SUCCESSORS AND ASSIGNS 
WILL PROCEED ON AN INDIVIDUAL BASIS AND WILL NOT PROCEED AS PART OF A CLASS ACTION, 
COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION OR OTHER REPRESENTATIVE ACTION AND 
YOU AND SUNTRUST HEREBY KNOWINGLY, VOLUNTARILY, INTENTIONALLY AND IRREVOCABLY WAIVE 
ANY RIGHT TO PROCEED IN A CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL 
ACTION OR OTHER REPRESENTATIVE ACTION OR TO SERVE AS A CLASS REPRESENTATIVE.

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.

12

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 866.732.1683 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 www.suntrust.com/personal-banking/credit-cards), 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.

New Jersey Residents

All provisions of this Agreement are valid, enforceable and applicable in New Jersey.

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.

13

Arbitration Provision

READ THIS PROVISION CAREFULLY AS IT WILL HAVE A SUBSTANTIAL IMPACT ON HOW DISPUTES 
AND CLAIMS  AND WE HAVE AGAINST EACH OTHER ARE RESOLVED. 

YOU HAVE THE RIGHT TO REJECT THIS ARBITRATION AGREEMENT AS SET FORTH BELOW. If You 
do not reject this arbitration agreement, for a Claim subject to arbitration, neither You nor we 
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 a Claim 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. 
Claims Subject to Arbitration. A “Claim” subject to arbitration is any claim, dispute or controversy 
between You and us (other than an Excluded Claim or Proceeding as set forth below), whether 
preexisting, present or future, which arises out of or relates to the Account, these rules and 
regulations, any transaction conducted with us in connection with the Account or these rules and 
regulations, or our relationship. “Claim” has the broadest possible meaning and includes initial 
claims, counterclaims, cross-claims, third- party claims and federal, state, local and 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. “Claim” also includes disputes concerning 
communications involving telephones, cell phones, automatic dialing systems, artificial or 
prerecorded voice messages, text messages, emails or facsimile machines and alleged violations of 
the Telephone Consumer Protection Act and other statutes or regulations involving telemarketing. 
Upon the demand of You or us, Claim(s) will be resolved by individual (not class or class-wide) 
binding arbitration in accordance with the terms specified in this arbitration agreement. 
Special Definition of “We,” “Us” and “Our.” Solely for purposes of this arbitration agreement, the 
terms “we,” “us” and “our,” in addition to the meanings set forth in these rules and regulations, 
also refer to SunTrust’s employees, officers, directors, parents, controlling persons, subsidiaries, 
affiliates, successors and assigns. “We,” “us” and “our” also apply to third parties if You assert a 
Claim against such third parties in connection with a Claim You assert against us. 
Excluded Claim or Proceeding. Notwithstanding the foregoing, “Claim” does not include any 
dispute or controversy about the validity, enforceability, coverage or scope of this arbitration 
agreement or any part thereof (including, without limitation, the Class Action Waiver set forth 
below, this sentence, and/or the last sentence of the Survival and Severability paragraph below); 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 rules and regulations as a whole is 
for the arbitrator, not a court, to decide. In addition, the following claims or proceedings will not be 
subject to this arbitration agreement: (1) any individual action brought by You or us in small claims 
court or Your state’s equivalent court, unless such action is transferred, removed, or appealed to 
a different court; (2) the exercising of any self-help rights, including set-off as described in the 
paragraph below titled “Right of Offset and Security Interest,” or (3) 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 shall not constitute a waiver of the right of either 
of the parties to compel arbitration regarding any other dispute subject to arbitration pursuant to 
this arbitration agreement. Moreover, this arbitration agreement 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 this 
arbitration agreement in which You are alleged to be a member of the putative class (however, You 
and we will continue to be bound by any prior version of this arbitration agreement), or (b) a motion 
to compel arbitration filed by us against You before the effective date of this arbitration agreement 
pursuant to a prior version of this arbitration agreement (however, You and we will continue to be 
bound by any prior version of this arbitration agreement). 
Federal Arbitration Act. Notwithstanding any choice of law or other provision in these rules and 
regulations, the parties agree and acknowledge that this agreement evidences a transaction 
involving interstate commerce and that the Federal Arbitration Act (Title 9 of the United States 
Code) (“FAA”) shall govern its interpretation and enforcement and proceedings pursuant thereto. 
To the extent state law is applicable under the FAA, the law of the state governing Your account 
relationship with us shall apply.

14

Arbitration Class Action Waiver. Notwithstanding any other provision of these rules and regulations, 
if either You or we elect to arbitrate a Claim, neither You nor we will have the right: (a) 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 (b) to join or consolidate 
Claims with claims of any other persons. No arbitrator shall 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 filed against us by a state or federal government 
agency even when such agency is seeking relief on behalf of a class of borrowers including You. 
This means that we will not have the right to compel arbitration of any claim brought by such an 
agency).  
Arbitration Procedures. If You or we elect 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, Your notice must be sent to SunTrust Bank Legal Department, 
Attn: General Counsel- Arbitration Election, Mail Code 0643, 303 Peachtree Street, N.E., 9th Floor, 
Atlanta, Georgia 30308, and our notice must be sent to the most recent address for You in our 
files. Any arbitration hearing that You attend must take place in a venue reasonably convenient 
to You. 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 is granted, it will be the 
responsibility of the party prosecuting the Claim(s) to commence the arbitration proceeding with 
an arbitration administrator in accordance with this arbitration agreement and the administrator’s 
rules and procedures. Even if all parties have opted to litigate a Claim in court, You or we may elect 
arbitration with respect to any Claim made by a new party or any Claim later asserted by a party 
in that or any related or unrelated lawsuit (including a Claim initially asserted on an individual 
basis but modified to be asserted on a class, representative or multi-party basis). Nothing in that 
litigation shall constitute a waiver of any rights under this arbitration agreement. 

The arbitration will be administered by JAMS, 1920 Main Street, Suite 300, Irvine, CA 92614, www.
jamsadr.com, 1-800-352-5267. The rules and forms of JAMS may be obtained by writing to JAMS 
at the address listed above or visiting their website. If JAMS is unable or unwilling to serve as 
administrator, the parties may agree upon another administrator or, if they are unable to agree, 
a court shall determine the administrator. No company may serve as administrator, without the 
consent of all parties, if it adopts or has in place any formal or informal policy that is inconsistent 
with and purports to override the terms of this arbitration agreement. The arbitration will proceed 
in accordance with this arbitration agreement and the administrator’s rules and procedures in effect 
at the time of commencement of the arbitration including any expedited procedures but in the 
event of a conflict, the provisions of this arbitration agreement shall control. 

A single arbitrator will be appointed by the administrator and, unless You and us agree otherwise, 
must be a practicing attorney with ten 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 or awarding damages or other relief, the arbitrator will follow the 
applicable substantive law, consistent with these rules and regulations 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 that would apply under applicable law to an individual action brought in court. 
For Claim(s) that total less than $75,000 and at Your written request, we will pay all filing, hearing 
and/or other fees charged by the administrator and arbitrator to You for Claim(s) asserted by You 
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 charged to You by the administrator and arbitrator. We will always pay any fees or expenses 
that we are required to pay by law or the administrator’s rules or that we are required to pay for 
this arbitration agreement to be enforced. The arbitrator will have the authority to award attorneys 
and expert witness fees and costs to the extent permitted by either these rules and regulations, the 
administrator’s rules or applicable law. The arbitrator shall award You Your reasonable attorneys’ 
and expert witness fees and costs (a) if and to the extent You prevail on Claim(s) You assert against 
us in an individual arbitration commenced by You, or (b) to the extent required under applicable law 
for this arbitration agreement to be enforced. The arbitrator shall write a brief explanation of the 
grounds for the decision. A judgment on the award may be entered by any court having jurisdiction.

15

Survival and Severability. This arbitration agreement shall survive the closing of Your Account 
and the termination of any relationship between us, including the termination of these rules and 
regulations. If any part of this arbitration agreement is deemed or found to be unenforceable for 
any reason, the remainder shall be enforceable, except that: (a) The parties to these rules and 
regulations acknowledge that the Class Action Waiver is material and essential to the arbitration 
of any disputes between the parties and is non severable from this arbitration agreement. If the 
Class Action Waiver is limited, voided or found unenforceable as to any Claim(s), then the parties’ 
arbitration agreement (except for this sentence) shall be null and void with respect to such Claim(s) 
(but not as to any other Claim(s) that have been or are later brought), subject to the right to appeal 
the limitation or invalidation of the Class Action Waiver. The parties acknowledge and agree that 
under no circumstances will a class action be arbitrated; and (b) If a Claim is brought seeking public 
injunctive relief and a court determines that the restrictions in the paragraph titled “Class Action 
Waiver” or elsewhere in this agreement prohibiting the arbitrator from awarding relief on behalf of 
third parties are unenforceable with respect to such Claim (and that determination becomes final 
after all appeals have been exhausted), the Claim for public injunctive relief will be determined 
in court and any individual Claims seeking monetary relief will be arbitrated. In such a case the 
parties will request that the court stay the Claim for public injunctive relief until the arbitration 
award pertaining to individual relief has been entered in court. In no event will a Claim for public 
injunctive relief be arbitrated. 
Effect of Arbitration Award. The arbitrator’s award shall 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 $150,000 
or involves a request for injunctive or declaratory relief that could foreseeably involve a cost or 
benefit to either party exceeding $150,000, any party can, within thirty (30) days after the entry 
of the award by the arbitrator, appeal the award to a three- arbitrator panel administered by the 
Administrator. The panel shall reconsider anew any aspect of the initial award requested by the 
appealing party. The decision of the panel shall be by majority vote. Reference in this arbitration 
provision to “the arbitrator” shall 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 Procedures.” Any final decision of the appeal panel is subject to judicial review only as 
provided under the FAA. No arbitration award involving the parties will have any preclusive effect 
as to issues or claims in any dispute involving anyone who is not a party to the arbitration, nor will 
an arbitration award in prior disputes involving other parties have preclusive effect in an arbitration 
between the parties to this agreement. 
Notice and Cure; Special Payment. Prior to initiating a Claim, You may give us a written Claim 
Notice describing the basis of Your Claim and the amount You would accept in resolution of the 
Claim, and a reasonable opportunity, not less than thirty (30) days, to resolve the Claim. Such 
a Claim Notice must be sent to us by certified mail, return receipt requested, at SunTrust Bank 
Legal Department, Attn: General Counsel- Claim Notice, Mail Code 0643, 303 Peachtree Street, 
N.E., 9th Floor, Atlanta, Georgia 30308. This is the sole and only method by which You can submit 
a Claim Notice. If (i) You submit a Claim Notice in accordance with this Paragraph on Your own 
behalf (and not on behalf of any other party); (ii) You cooperate with us by promptly providing the 
information we reasonably request; (iii) we refuse to provide You with the relief You request; and 
(iv) 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). We encourage You to address all Claims You have in a single Claim Notice and/or a single 
arbitration. Accordingly, this $7,500 minimum award is a single award that applies to all Claims 
You have asserted or could have asserted in the arbitration, and multiple awards of $7,500 are not 
contemplated.

16

Right to Reject Arbitration Agreement. You may reject this arbitration agreement and therefore 
not be subject to being required to resolve any claim, dispute or controversy by arbitration. To 
reject this arbitration agreement, You and only You personally, must send us written notice of Your 
decision so that we receive it at the address listed below within forty-five (45) days of the opening 
of Your Account. Such notice must include a statement that You wish to reject the arbitration 
agreement section of these rules and regulations along with Your name, address, Account name, 
Account number and Your signature and must be mailed to the SunTrust Bank Legal Department, 
Attn: Arbitration Rejection, P.O. Box 4418, Mail Code 0643, Atlanta, GA 30302-4418. This is the sole 
and only method by which You can reject this arbitration agreement and any attempt to reject 
this arbitration agreement by any other person or through any other method or form of notice, 
including the filing of a lawsuit, will be ineffective. You agree that Your rejection of this arbitration 
agreement shall not be imputed to any other person or entity or be deemed to be a rejection of 
this arbitration agreement by any person or entity other than You. Nor shall Your rejection of this 
arbitration agreement eliminate the obligation of other persons or entities who wish to reject 
this arbitration agreement to personally comply with the notice and time requirements of this 
paragraph. Rejection of this arbitration agreement will not affect any remaining terms of these 
rules and regulations and will not result in any adverse consequence to You or Your Account. You 
agree that our business records will be final and conclusive with respect to whether You rejected 
this arbitration agreement in a timely and proper fashion. This arbitration agreement provision 
will apply to You and us 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.

17

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.
• 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.

18

Definitions

Account – The credit card Account(s) SunTrust approves for Your use that is/are subject to the terms 
and conditions of this Agreement.
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 cash advance fee on a Purchase is assigned 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.

19

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.
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 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.

20

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 5:00 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 p.m. 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 5:00 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 p.m. payment cut-off time.
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.

21

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.
Items – Statements, sales drafts and/or payment instruments.
Joint Ownership Considerations – If a deposit Account (i.e. Protected Account) is jointly 
owned, any owner of BOTH the deposit Account AND the Credit Card Account (i.e. the Protector 
Account) may enroll in overdraft protection without the consent of the other owners of that 
deposit Account. However, any owner of either the deposit Account OR Credit Card Account 
may cancel overdraft protection without the consent of other owners. If a jointly owned deposit 
Account is enrolled in overdraft protection: (i) all deposit Account holders will be responsible 
for all overdraft protection advances regardless of which person writes a check or initiates a 
transaction that causes an overdraft (e.g. as a debit Card Purchase); and (ii) all deposit Account 
holders authorize us to share information about the Protected Account with each owner of 
Protector Account, such as type of Account and partial Account number. We reserve the right to 
cancel, suspend, or change the terms or conditions of Your overdraft protection service at any 
time, for any reason.
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.
Protected Account – An eligible SunTrust Consumer Checking Account, Savings Account, or 
Money Market Savings Account linked to this SunTrust Consumer Credit Card for overdraft 
protection.
Protector Account – Your SunTrust Consumer Credit Card Account.

22

SunTrust Private Wealth Credit Card 

Rewards Program Terms

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.
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 
866.732.1683 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.” 
Solely for purposes of the Arbitration Provision contained in this Agreement, the term “SunTrust” 
shall also apply to any third parties if You assert a Claim against such third parties in connection 
with a Claim You assert against SunTrust.
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).

1The Personal Deposit Account Fee Schedule is accessible at https://www.suntrust.com/Static/Documents/Personal_Banking/
Deposit_Account_Disclosures/FSRETAILE.pdf.
23

The information about the costs of the SunTrust Private Wealth Management Card described in this application 
is accurate as of April 1, 2019. 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 Purchases 

APR for Balance Transfers 

Prime Rate + 2.99% to Prime Rate + 6.99% 
Your rate will be based on your creditworthiness. 
This APR will vary with the market based on the Prime Rate. 

Prime Rate + 2.99% to Prime Rate + 6.99% 
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 Advances 

Prime Rate + 21.74% 
This APR 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 Charge 

If you are charged interest, the charge will be no less than $0.50 

Fees 

Annual Fee 

Transaction Fees 
• Balance Transfer
• Cash Advance
• Foreign Transaction

Penalty Fees 
• Late Payment
• Return Payment

$0 intro annual fee for the first year, $450 thereafter. Annual Fee will be waived 
if the primary account holder is a PWM client.1 

• $10.00 or 3% of the amount of the transfer, whichever is greater
• $10.00 or 4% of the amount of each advance, whichever is greater
• None

• Up to $39
• Up to $39

How We Will Calculate Your Balance: We use a method called “average daily balance (including new transactions)”. 

Prime Rate: We use the prime rate quoted in the “Money Rates” section of The Wall Street Journal on the 28th day (or if the 28th day 
is not a business day, the next business day thereafter) of the prior calendar month. 

1Private Wealth Management (PWM) means the group within SunTrust Bank that provides a full array of wealth management products and professional services to high net worth clients seeking active 
management of their financial resources. SunTrust Private Wealth Management is a marketing name used by SunTrust Bank, SunTrust Banks Trust Company (Cayman) Limited, SunTrust Delaware Trust 
Company and SunTrust Investment Services, Inc., which are affiliates of SunTrust Banks, Inc. Banking and trust products and services, including investment management products and services, are 
provided by SunTrust Bank and its affiliates. Securities, insurance (including annuities) and investment advisory products and services are offered by SunTrust Investment Services, Inc., an SEC 
registered investment adviser and broker-dealer, member FINRA, SIPC, and a licensed insurance agency 

SunTrust Bank, Member FDIC. ©2019 SunTrust Banks, Inc. SunTrust is a federally registered service mark of SunTrust Banks, Inc. 

15