Secured Card Account Agreement 
SECURITY INTEREST 

For each bolded word or phrase, the definition is provided at 
https://www.suntrust.com/PersonalBanking/EverydayBanking/CreditCards 
and in the definitions section at the end of this Agreement. 

Your Card Account is a secured account, meaning You have pledged collateral to ensure repayment of the Credit that SunTrust provides You and any 
other debt that You owe SunTrust on Your Card Account. 

Pledge of Collateral 

In  consideration  for  the  Bank  issuing  this  Card  Account  to  You,  You  have  opened  a  Savings  Account  called  the  “Secured  Card  Savings  Account” 
according to these parameters.  The Savings Account must: 

 
 
 

be titled in the same name(s) of the initial Cardholder(s) when the Card Account is opened and no other name(s); 
be opened with a deposit that equals the amount of Your revolving Credit Limit; and 
remain open during the duration of Your Card Account. 

You cannot add/change Cardholders on Your Card Account after it is established, as the Cardholder and Savings Account owner names must match. 

To secure all amounts You may owe, including but not limited to interest, fees, and charges, which accrue on Your Card Account and all of Your other 
obligations on Your Card Account, You assign, transfer, and pledge a security interest in and grant the Bank all rights, title, and interest in the Savings 
Account and in all renewals, additions, and funds/earnings of the Savings Account.  If Your Savings Account is closed for any reason, SunTrust may 
terminate Your Card Account in accordance with the terms of this Agreement. 

The primary rules and regulations for your Savings Account are described in the Bank Rules and Regulations for Deposit Accounts booklet provided to 
You separately.  This Savings Account has additional terms/restrictions that include the following. 

 

 

 

At all times during the duration of Your Card Account, You must maintain funds in the Savings Account that cover the amount of Your Credit 
Limit. 
You may not make withdrawals from the Savings Account while it secures Your Card Account.  This restriction includes, but is not limited to, 
withdrawals of any funds at a branch, through an ATM, through online transactions, through overdraft protection to a checking account, or by 
any other method. 
You  are  not  allowed  to  make  additional  deposits  to  this  Savings  Account,  except  when  additional  deposit(s)  is/are  required  for  the  Savings 
Account balance to cover the Card Account Credit Limit. 

  No transfer of ownership of the Savings Account to another person upon death of the Cardholder(s) is permitted. 

Right of Bank to Control and Use Savings Account 

You agree that this security interest, pledge, and assignment provides the Bank the right to redeem, collect, and withdraw any part or the full amount 
of  the  Savings  Account  to  satisfy  Your  obligations  under  this  Agreement  upon  Your  Default  under  this  Agreement  or  if  Your  Card  Account  is 
terminated for any reason.  You acknowledge and agree that this security interest, pledge, and assignment gives the Bank exclusive control over the 
Savings  Account.    You  agree  that  if  Your  Card  Account  is  closed  for  any  reason,  SunTrust  may  apply  funds  in  the  Savings  Account  to  pay  off  any 
Balance on the Card Account. 

What SunTrust Does with Funds Remaining in Savings Account When Savings Account May Be Closed or is No Longer Required 

1. 

2. 

If You Default under this Agreement or Your Card Account is terminated for any reason and SunTrust must apply funds in the Savings Account 
to pay off any outstanding Balance on Your Card Account, if funds remain in the Savings Account after SunTrust pays off the Balance on the 
Card Account, SunTrust will remit these funds to You within 30 days after Your Card Account is closed. 
If SunTrust graduates You to an unsecured credit card account so that the  Savings Account and  security  interest are no longer required and 
Your Card Account is in  good standing, You hereby authorize  SunTrust to convert Your Savings  Account to a personal savings account.  This 
personal savings account will be titled in the same name(s) as the Savings Account that secured Your Card Account.  Your access to the personal 
savings account will not be restricted. This means You may make additional deposits and withdrawals.  SunTrust will waive the personal savings 
account monthly maintenance fee of $4.00 when the personal savings account (a) contains a minimum daily balance of $300 or (b) has at least 
one $5 transfer from a SunTrust checking account per month.  Otherwise fees will apply – see: 
https://www.suntrust.com/Static/Documents/Personal_Banking/Deposit_Account_Disclosures/FSRETAILE.pdf  for  full  personal  savings  account 
terms and conditions. 

If You do not wish to maintain  a personal savings account with these funds, call  SunTrust at  800-786-8787 or visit a SunTrust  branch after 
SunTrust  converts  Your  existing  Savings  Account  to  a  personal  savings  account  to  request  some  other  disposition  of  these  funds,  and 
SunTrust will honor Your request. 

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Duration of Security Agreement 

Your  security  agreement  will  remain  in  effect  until  (a)  all  of  Your  debt  to  the  Bank  on  Your  Card  Account  has  been  paid  in  full  and  (b)  all  other 
obligations secured by this Agreement have been fulfilled. 

Waiver of Rights and Other Legal Matters regarding the Security Interest 

You waive any right to require SunTrust to: (a) proceed against You, any other Cardholder, or Authorized User on Your Card Account; or (b) proceed 
against or exhaust any security held under this security agreement before SunTrust pursues any other remedy in SunTrust’s power.  The Bank’s rights 
stated in this security agreement are in addition to any others SunTrust has under applicable law.  If there is a conflict regarding this security interest 
and any other agreement, this Agreement will control.  You represent that no insolvency proceeding or general assignment for creditors is pending 
that would affect Your grant of this security interest.  You waive any defense You may have against SunTrust, associated with this security interest. 

Enforcement of Security Interest 

You hereby irrevocably appoint the Bank as attorney-in-fact to execute any instruments required to satisfy Your debt under the Card Account. 

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Secured Card Account Agreement 
SUMMARY OF KEY TERMS 

For each bolded word or phrase, the definition is provided at 
https://www.suntrust.com/PersonalBanking/EverydayBanking/CreditCards 
and in the definitions section at the end of this Agreement. 

When  are  You  bound  by  the  CA 
Terms? 

Your Card Account Agreement with SunTrust starts and You agree to the terms when (1) You accept and/or 
  (2)  You  or  an  Authorized  User  use(s)  the  Card  or  Account,  thus  obtaining  Credit  from 
sign  the  Card  or
SunTrust. 

What types of transactions might 
You make with the Card/Account 
and  how  are  these  transactions 
itemized  on  Your  bill  each 
month? 

  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. 

What  You  Pay,  when,  how,  and 
what happens if You pay late? 

  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 
 that at least equal the amount of the Minimum Payment shown on Your Statement.  In either 
installments
case, the payment Due Date will be at least 25 days after the Closing Date of Your Statement. 

How  will  SunTrust  apply  Your 
payments? 

What  other 
exist in the CA? 

important 

terms 

  The Minimum Payment will include any amount past  due or over Your Credit Limit plus the greater of

 (1) 
$20.00, (2) 2% of the New Balance, or (3) 1% of the New Balance plus current Interest Charges and Other 
Charges.  If the New Balance is less than $20.00, the Minimum Payment will be the New Balance. If You pay 
more than the Minimum Payment, You still must make the Minimum Payment on subsequent Statements 
until  You  have  fully  paid  what  You  owe.    You  must  pay  in  U.S.  dollars,  without  restrictive  terms,  and  in 
accordance with the Standard Payment Instructions. 

  If You do not pay at least the Minimum Payment by the Due Date, SunTrust will charge a Late Payment fee, 
unless Your Account is exempt from Late Payment fees.  If You make a Late Payment, You will be in Default 
and You may be subject to rate increases.  If You are in Default for any reason, SunTrust can require that the 
entire outstanding full Balance on Your Account be immediately paid. 

  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 
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. 

Your liability for unauthorized use of the Card – what to do/what happens if Your Card is stolen. 
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. 

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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 
transaction 
date. 

from 

the 

: 

: 

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 
Transfer, 
SunTrust  will  charge  the  Interest 
Charge  on  Your  Balance  Transfer 
from  the  date  it  is  posted  to  Your 
Account. 
Foreign Currency Exchange Fee on  
Non-US Transactions: 

Balance 

a 

Other Charges: 

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. 

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. 

  SunTrust  will  assess  a  foreign  currency  transaction  fee  for  all  Purchase  transactions  processed  in  a 

foreign currency.   

  Conversion  may  occur  on  a  date  other  than  the  date  of  the  transaction  or  the  date  the  transaction  is 
posted  to  Your  Statement,  which  may  affect  the  conversion  rate  used.    If  a  Credit  transaction  is 
processed and has a 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. 
Returned Payment Fee.  Unless Your Account is exempt from Returned Payment fees, SunTrust will add a 
Returned Payment fee to Your Purchase Balance if (1) a payment that You make or authorize is returned to 
SunTrust unpaid; or (2) any Balance Transfer, Cash Advance, or Promotional Balance check is dishonored 
for any reason. This fee may  be  imposed  even if Your payment is later re-presented to and  paid by Your 
financial institution. 
Stop  Payment  Fee.    SunTrust  will  add  a  $39.00  stop  payment  fee  to  Your  Purchase  Balance  if  You  ask 
SunTrust to stop payment on any Convenience Check drawn on Your Account or on any Balance Transfer 
request. 
Documentation Fee.  SunTrust will provide copies of Statements, sales drafts, etc., to You upon request. If 
You request copies of more than two items during a Billing Period, SunTrust will add a fee to Your Purchase 
Balance up to $5.00 for each additional copy unless prohibited by applicable law.  SunTrust will not impose 
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any fee if Your request is made in connection with written notice of a billing error. 
Phone Pay Fee.  If SunTrust agrees to permit You to pay Your bill via phone pay and applicable law allows, 
You agree that SunTrust will add the phone pay fee disclosed at the time of Your request to Your Purchase 
Balance. 

Minimum Interest Charges: 

If You incur Interest Charges in  any Billing Period, a minimum Interest Charge will post to Your Account 
(such minimum Interest Charge shown as the “Minimum Interest Charge” on Your Statement). 

Changes 

SunTrust can change some of Your rates and other terms in accordance with applicable law.  This table 
shows some possible changes. 

Type of change 
Interest Rate increase on new charges 

Interest Rate increase on existing Balances 

Increase or decrease to Credit Limit 
Some fees and other terms 

What may trigger change 
In the first year, a Promotional Rate ends or 
the  Index  Rate  changes;  after  that,  any 
reason 
Index  Rate 
Promotional  period  ends, 
changes,  or  Your  Account  is  in  a  workout 
arrangement 
Any reason 
Can change for any reason 

Advance notice of change 
Promotional Rate ends or Index Rate changes, no 
notice; otherwise, 45 days 

No  notice  requirement  or  per  terms  of  the 
workout arrangement 

None 
Up  to  45  days  for  certain  fees  and  Minimum 
Payment changes 

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Secured Card Account Agreement 
AGREEMENT TERMS 

Your Card Account Agreement with SunTrust starts and You agree to these terms when You accept and/or sign the Card or You or an Authorized 
User use(s) the Card or Account, thus obtaining credit from SunTrust. 

Costs 

You may use Your Card and Account to make Purchases, Cash Advances, Overdraft Advances and Balance Transfers. Each type of charge will have its 
own Balance.  Each type of Balance may have a separate DPR and corresponding Interest Charges. 

You agree to pay SunTrust for all credit extended on Your Account, plus any Interest Charges, Other Charges and other fees and amounts properly 
charged to Your Account.  You agree to use Your Account only for legal transactions.  It is not SunTrust’s responsibility to make sure You only use 
Your  Account  for  legal  transactions,  and  You  will  remain  responsible  to  pay  for  any  transactions  whether  legal  or  not.    SunTrust  may  decline 
authorization for any Internet gambling transaction.  SunTrust will not be liable if You engage in an illegal transaction. 

Interest Charges and Transaction Fees 

The  conditions  under  which  Interest  Charges  and  transaction  fees  apply 
depend upon whether the transaction is a Purchase, Cash Advance, Overdraft 
Advance, Balance Transfer, or Promotional Offer. 

SunTrust calculates Interest Charges using the Average Daily Balance (including new transactions) method.  SunTrust also uses compounded interest 
in  calculating  Interest  Charges.    Compounded  interest  means  that  interest  is  added  to  the  principal  that  You  owe  and  interest  then  applied  each 
successive Billing Period on the outstanding Balance and new charges. 

Interest Charges that apply on Your Account are set forth in the Card Mailer. 

Interest Charge for Purchases 

Cost:    Interest  Charge  (Average  Daily  Balance  for  Purchases  x  no.  days  in 
Billing Period x DPR) 

Any Purchase Balance not paid by the Due Date on the Statement will incur an Interest Charge on the following month’s Statement.  The cost for 
Purchases (DPR Interest Charge, when it applies) is the Average Daily Balance on Purchases multiplied by (1) the number of days in the Billing Period 
and (2) the applicable DPR. 

You will have a Grace Period on any new Purchases that are reflected for the first time on Your current Statement if You pay Your New Balance on 
time each Billing Period.  Those new Purchases will not be subject to an Interest Charge during the Billing Period reflected in the current Statement if 
You satisfy the conditions for applicability of the Grace Period. 

SunTrust will charge the Interest Charge (unless inapplicable because of the Grace Period) on Your Purchases from the transaction date. 

The DPR for Purchases (that are subject to Interest Charges) may or may not vary each month based on changes in the Index Rate.  The Card Mailer 
discloses whether the Account is subject to a Variable or a Non-variable APR. 

Interest Charge and Transaction Fees for Cash Advances 

Costs:  Interest Charge (Average Daily Balance for Cash Advances x no. days 
in Billing Period x DPR) + Cash Advance transaction fees. 

The costs for Cash Advances consist of (1) interest computed at the applicable DPR on the Average Daily Balance (for Cash Advances) and (2) Cash 
Advance transaction fees. 

The  DPR  Interest  Charge  is  the  Average  Daily  Balance  on  Cash  Advances  multiplied  by  (1)  the  number  of  days  in  the  Billing  Period  and  (2)  the 
applicable DPR.  The Cash Advance transaction fee is disclosed in the Card Mailer. 

The DPR for Cash Advances may or may not vary each month based on changes in the Index Rate.  The Card Mailer discloses whether the Account is 
subject to a Variable or a Non-variable APR. 

SunTrust will charge the Interest Charge on Your Cash Advances from the date they are posted to Your Account.  Cash Advances do not have a Grace 
Period. 

Interest Charge for Overdraft Advances 

Cost:  Interest Charge (Average Daily Balance for Overdraft Advances x no. 
days in Billing Period x DPR)  

The cost on Overdraft Advances (DPR Interest Charge) is the Average Daily Balance on Overdraft Advances multiplied by (1) the number of days in 
the Billing Period and (2) the applicable DPR.  In accordance with its Rules and Regulations for Deposit Accounts, SunTrust will assess You its usual 
deposit account fee for such service, separately, and as part of Your deposit account fees. 

The  DPR  for  Overdraft  Advances  may  or  may  not  vary  each  month  based  on  changes  in  the  Index  Rate.    The  Card  Mailer  discloses  whether  the 
Account is subject to a Variable or a Non-variable APR. 

SunTrust will charge the Interest Charge on Your Overdraft Advances from the date they are posted to Your Account.  Overdraft Advances do not 
have a Grace Period. 

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. 

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The costs for Balance Transfers consist of (1) interest computed at the applicable DPR on the Average Daily Balance (for Balance Transfers) and (2) 
Balance Transfer transaction fees. 

The DPR Interest Charge is the Average Daily Balance on Balance Transfers multiplied by (1) the number of days in the Billing Period and (2) the 
applicable DPR.  The Balance Transfer transaction fee for a ‘regular’ Balance Transfer or ‘Promotional Balance’ Balance Transfer is disclosed in the 
Card Mailer; provided, that SunTrust may from time to time offer You Balance Transfer Promotional Offers with different Balance Transfer Interest 
Charges  and  transaction  fees  than  the  Card  Mailer  terms.    Those  different  Interest  Charges  and  fees  will  be  disclosed  in  the  Balance  Transfer 
Promotional Offer. SunTrust will add the Balance Transfer fee to the ‘Balance Transfer’ Balance of Your Account, unless SunTrust informs You when 
You  make  a  Balance  Transfer  that  the  Balance  Transfer  amount  and  Balance  Transfer  fee  will  be  added  to  another  category  of  Balance  (e.g., 
Purchases or Cash Advances). 

Unless SunTrust informs You otherwise, Balance Transfers do not have a Grace Period.  When SunTrust provides You a Balance Transfer check or 
Balance Transfer request form or when You request a Balance Transfer, SunTrust will charge the Interest Charge on Your Balance Transfer from the 
date it is posted to Your Account. 

The DPR for Balance Transfers (that are subject to Interest Charges) may or may not vary each month based on changes in the Index Rate.  The Card 
Mailer discloses whether the Account is subject to a Variable or a Non-variable APR. 

Interest Charge for Promotional Balances 

Cost:  Interest Charge (Average Daily Balance for Promotional Balances x no. 
days in Billing Period x Promotional Rate DPR)  

SunTrust may from time to time offer You a Promotional Rate on certain Purchases or Balance Transfers through Promotional Offers.  If You accept 
a Promotional Offer, the resulting Promotional Balance will be subject to the terms of that specific Promotional Offer and this Agreement.  In each 
Promotional Balance program, any new or different terms of the program not disclosed in this Agreement (such as the APR, effective dates and other 
special terms) will be detailed in the Promotional Offer. 

The DPR Interest Charge is the Average Daily Balance on Promotional Balances multiplied by (1) the number of days in the Billing Period and (2) the 
applicable DPR. 

The Promotional Rate will apply to those Promotional Balances until the Promotional Offer Termination Date. A Promotional Balance will not, after 
the Termination Date, be eligible for another Promotional Rate. 

After the Termination Date, Your Promotional Rate will change to Your regular Purchases DPR, unless disclosed otherwise in the Promotional Offer.  
If the reason for the Termination Date is a Delinquency Triggering Event, SunTrust will change the DPR that applies to Your new and outstanding 
Promotional Balances to the Purchase DPR and corresponding APR, after SunTrust provides You any notice required by applicable law. 

Minimum Interest Charge 

If You incur Interest Charges in any Billing Period, a minimum Interest Charge will post to Your Account (such minimum Interest Charge shown as the 
“Minimum Interest Charge” on Your Statement). If You incur Interest Charges in any Billing Period, the Minimum Interest Charge will be no less 
than the amount disclosed in the Card Mailer.  SunTrust may allocate the Minimum Interest Charge among Your various Balances in the manner that 
SunTrust elects as permitted by applicable law. 

Foreign Currency Exchange Fee for Non-US Transactions 

All  Purchase  and  Cash  Advance  transactions  processed  in  a  foreign  currency  will  be  converted  to  U.S.  dollars  under  the  regulations  of  the  Card 
Association  before  being  charged  to  Your  Account.    (The  exchange  rate  that  the  Card  Association  uses  to  convert  currency  is  a  rate  the  Card 
Association selects either from the range of rates available in the wholesale currency markets for the applicable processing date (which rate may vary 
from the rate the Card Association itself receives) or the government-mandated rate in effect on the applicable processing date.) 

Conversion may occur on a date other than the date of the transaction or the date the transaction is posted to Your Statement, which may affect the 
conversion rate used.  If a Credit transaction is processed and has a processing date different than the original transaction, then the exchange rate of 
the Credit can be greater/less than that of the original transaction. 

SunTrust will assess a foreign currency transaction fee for all Purchase transactions processed in a foreign currency. The foreign currency transaction 
fee is disclosed in the Card Mailer and will be calculated after each Purchase transaction has been converted from a foreign currency. 

Other Charges 

Late Payment Fee.  Unless Your Account is exempt from Late Payment fees, if SunTrust has not received at least the Minimum Payment by its Due 
Date as shown on a Statement, SunTrust will add a Late Payment fee to Your Purchase Balance based on the New Balance outstanding as of the 
Closing Date for the Statement.  The Late Payment fee is stated on the Card Mailer. 

Annual Fee.  If Your Account has an annual fee, it will be shown on the Card Mailer.  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 

7 | P a g e  

 
 
 
 
 
 
 
 
Purchase  Balance  if  (1)  a  payment  that  You  make  or  authorize  is  returned  to  SunTrust  unpaid  (for  example,  if  a  check  or  an  electronic  funds 
transfer to SunTrust is returned  for insufficient funds or is returned  because it is not  signed or  cannot be processed for any reason); or (2) any 
Balance Transfer, Cash Advance, or Promotional Balance check is dishonored for any reason. This fee may be imposed even if Your payment is 
later re-presented to and paid by Your financial institution.  The Returned Payment fee is stated on the Card Mailer. 

Stop  Payment  Fee.    SunTrust  will  add  a  $39.00  stop  payment  fee  to  Your  Purchase  Balance  if  You  ask  SunTrust  to  stop  payment  on  any 
Convenience Check drawn on Your Account or on any Balance Transfer request. 

Documentation  Fee.  SunTrust will provide copies of Items to You upon request. If You request copies of more than two Items during a Billing 
Period, SunTrust will add a fee to Your Purchase Balance up to $5.00 for each additional copy unless prohibited by applicable law.  SunTrust will 
not impose any fee if Your request is made in connection with written notice of a billing error. 

Phone Pay Fee.  From time to time, You may request that SunTrust assist You in making an expedited Account payment from a designated deposit 
account, so that the payment can be credited to Your Account as of the day of Your call (or on the following business day, for calls made after the 
applicable cut-off time for payments). If SunTrust agrees to do so and applicable law allows, You agree that SunTrust will add the phone pay fee 
disclosed at the time of Your request to Your Purchase Balance. 

Payments 

What You Pay, When, How, and what happens if You pay late 

SunTrust will send Your Statement to the address that the Bank has on file for You.  You agree to pay all Authorized Charges on the Statement.  You 
 that at least equal the amount of the Minimum 
have the option of paying in full the New Balance shown on each Statement or paying in installments
Payment shown on Your Statement. 

In either case, the payment Due Date will be at least 25 days after the Closing Date.  The Minimum Payment will include any amount past due or over 
the Credit Limit plus the greater of (1) $20.00, (2) 2% of the New Balance, or (3) 1% of the New Balance plus current Interest Charges and Other 
Charges.    The  Minimum  Payment  amount  will  either  be  rounded  up  or  down  to  the  nearest  dollar.  If  the  New  Balance  is  less  than  $20.00,  the 
Minimum  Payment  will  be  the  New  Balance.  If  You  pay  more  than  the  Minimum  Payment,  You  still  must  make  the  Minimum  Payment  on 
subsequent Statements until You have fully paid what You owe. 

You must pay in U.S.  dollars, without restrictive  terms, and in accordance with the  Standard Payment Instructions. You must contact SunTrust at 
least 3 business days before an automated payment is scheduled, if You want to stop payment on the amount You think is wrong. 

If You do not pay at least the Minimum Payment by the Due Date, SunTrust will charge a Late Payment fee, unless Your Account is exempt from Late 
Payment fees.  If You make a Late Payment, You will be in Default and You may be subject to rate increases.  If You are in Default for any reason, 
SunTrust  can  require  that  the  entire  full  Balance  on  Your  Account  be  immediately  paid.  If  You  do  not  immediately  pay  SunTrust  the  entire  full 
Balance  due  when  required,  except  as  specifically  addressed  in  the  Arbitration  Provision  of  this  Agreement,  You  will  be  liable  to  SunTrust  for 
collection costs that SunTrust incurs, including reasonable attorneys’ fees and expenses of legal actions to the extent permitted  by applicable law. 
Where  required  by  state  law  SunTrust  will  provide  You  with  notice  and  a  right  to  remedy  Your  Default  in  accordance  with  that  law.  SunTrust’s 
acceptance  of  a  payment  after  the  payment  Due  Date  or  after  You  have  exceeded  Your  Credit  Limit  does  not  waive  SunTrust’s  right  to  require 
immediate payment of Your entire full Balance. 

How SunTrust will apply payments 

You agree that the Minimum Payments on Your Account will be applied in the order SunTrust selects in accordance with applicable law.  SunTrust 
may allocate Your Minimum Payments to Balances starting with the lowest  APR.  Payments  in  excess of the Minimum Payment will generally be 
applied  first  to  Balances  with  the  highest  APR  and  any  remaining  portion  to  the  other  Balances  in  descending  order  based  on  their  APRs,  unless 
SunTrust  is  required  by  applicable  law  to  use  a  different  payment  application  method  in  connection  with  a  deferred  interest  or  similar  program. 
Payments are normally applied to restore Your available Credit (the amount of Your unused Credit Limit).  There may be a delay in restoring Your 
available Credit until SunTrust determines whether a payment is likely to be returned for insufficient funds or for some other reason. 

Amendment (Changes) and Assignment 

the 

communication  method 

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 
at 
https://www.suntrust.com/PersonalBanking/EverydayBanking/CreditCards)  and  in  the  time  and  manner  required  by  law  for  the  changes  that 
SunTrust intends to make to Your Account and this Agreement.  Changes will be automatically effective on the date SunTrust specifies, except as 
otherwise provided in any change in terms notice SunTrust provides. Use of Your Account is not necessary for a change in terms to be effective. You 
will have the right to reject certain changes and pay off Your Account in the same manner and under the same terms and conditions as then in effect, 
as described in any change in terms notice SunTrust provides and as required by applicable law. SunTrust may terminate or suspend Your ability to 
use the Account if You reject certain changes, to the extent permitted by applicable law and as described in any change in terms notice that SunTrust 
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. 

(in  writing 

Agreement 

updated 

posting 

terms 

via 

or 

of 

8 | P a g e  

 
 
 
 
Additional Information 

Your liability for unauthorized use of the Card 

To report a lost/stolen Card call: 1-800-477-9702. State that You are reporting a lost/stolen Card.  You must notify the Bank promptly
 in the event 
of loss, theft, or unauthorized use of Your Card.  This notification responsibility means that You should regularly check Your Statements to review 
charges that post to Your Account to confirm that unauthorized charges have not posted to Your Account. 

You may be liable for the unauthorized use of Your Card. If unauthorized use of Your Account occurs, You agree to cooperate with SunTrust and law 
enforcement  authorities  in  identifying  the  unauthorized  user.    However,  You  will  not  be  liable  for  unauthorized  use  that  occurs  after  You  notify 
SunTrust orally or in writing of the loss, theft, or possible unauthorized use. In any case, Your liability will not exceed $50 for each occurrence of loss 
or  theft  or  any  lesser  amount  required  by  applicable  law  or  the  requirements  of  the  Card  Association.  You  may  write  to  SunTrust  at:  Cardholder 
Services, P.O. Box 621569, Orlando, FL  32862-1569. 

Ownership of the Card 

Your  Card  and  any  Convenience  Checks  or other  Credit  instrument  or  device  that  SunTrust  provides  to  You are  SunTrust’s  property  and  must  be 
returned to SunTrust or SunTrust’s agent immediately upon demand. At SunTrust’s request You will destroy Your Card, other Credit instruments or 
devices and/or special checks, by cutting them in half and surrendering those items to SunTrust or SunTrust’s agent by mailing them to SunTrust or 
dropping them off at SunTrust’s office. 

Credit Limits, Authorization, and Convenience Checks 

Unless Your Account type or SunTrust permits You to exceed Your Credit Limit, You agree to not exceed the Credit Limit that SunTrust establishes 
for You, but if You do, You agree to pay the over Credit Limit amount as part of Your next Minimum Payment. SunTrust may raise or lower Your 
Credit  Limit  at  SunTrust’s  discretion,  as  permitted  by  applicable  law.    SunTrust  is  not  liable  to  You  for  decreases  that  affect  Your  Credit  Limit  or 
spending limits. Each of You may request an increase to the Credit Limit of a joint Account. If You were required to have a joint Account because one 
of You was less than 21 years of age when Your Account was opened and that individual remains less than 21 years of age when SunTrust considers 
raising the Credit Limit of Your joint Account, SunTrust will not increase the Credit Limit until all of You approve and assume in writing
 joint liability 
for an increase to the Credit Limit of the joint Account. SunTrust may establish separate limits that restrict the amount of the Credit Limit available 
for  Cash  Advances  or  Balance  Transfers.   SunTrust  may  decline  authorization  for  any  transaction  at  any  time.    SunTrust  is  not  liable  for  declining 
authorization  for  any  transaction,  regardless  of  SunTrust’s  reason.    All  transactions  on  Your  Account  are  subject  to  approval  based  upon  Your 
Account status, available Credit, credit history and other factors.  You may not stop the payment of any Card transaction. 

SunTrust may reject and return unpaid any Convenience Check that You write for any reason.  You must pay SunTrust for any Convenience Check 
that  SunTrust  pays,  even  if  SunTrust  were  permitted  to  reject  and  return  the  Convenience  Check,  unless  the  Convenience  Check  constitutes 
unauthorized use.  SunTrust may refuse to issue Convenience Checks or, upon notice to You, refuse to permit the use of Convenience Checks already 
issued.  You may call SunTrust at 1-800-477-9702 to place a stop payment on an unpaid Convenience Check.  SunTrust will charge the stop payment 
fee.  You must provide SunTrust the date, amount, name of payee, and the number of the Convenience Check.  If any information You provide is 
incorrect  or  if  You  do  not  afford  SunTrust  a  reasonable  opportunity  to  act  on  Your  request,  SunTrust  may  not  be  able  to  stop  payment.    Once  a 
Convenience Check has been paid, SunTrust will not be able to reverse the payment.  Your stop payment request will remain valid for 6 months.  You 
must renew Your request before it expires if You want SunTrust to continue honoring the stop payment request after the initial 6 month period.  You 
agree to hold harmless and indemnify SunTrust from any losses, expenses and costs, including attorneys’ fees incurred by SunTrust, for preventing or 
failing to prevent payment. 

Individual Liability 

You, as a Cardholder, are liable for all Credit obtained under Your Account(s), whether obtained by You, another Cardholder or an Authorized User 
of the Account. If there is more than one Cardholder on the Account, each of You is liable, jointly and severally, for all Credit obtained under the 
Account(s), regardless of which of You obtains that Credit or benefits from it. 

Termination 

Either You or SunTrust may terminate this Agreement or suspend Your Credit privileges under this Agreement at any time, with or without cause. 
You will not try to make any Purchases or Balance Transfers or try to obtain any Cash Advances or Overdraft Advances on Your Account after Your 
Credit privileges have been terminated or suspended. However, this Agreement will otherwise remain in full force and effect until You pay all sums 
due SunTrust. 

Applicable Law 

Except  as  expressly  set  forth  in  the  Arbitration  Provision  of  this  Agreement,  the  interpretation  and  enforcement  of  this  Agreement  (including  the 
exportation of Interest Rates) will be governed by federal law and to the extent state law applies, Georgia law, regardless of conflict of law 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 law. You agree that all terms of this Agreement are material to the determination of 
interest. 

Jury Trial and Class Action Waiver 

9 | P a g e  

 
 
 
 
TO  THE  EXTENT  PERMITTED  BY  APPLICABLE  LAW,  FOR  ANY  MATTERS  NOT  SUBMITTED  TO  ARBITRATION,  YOU  AND  SUNTRUST  HEREBY  (A) 
KNOWINGLY, VOLUNTARILY, INTENTIONALLY AND IRREVOCABLY WAIVE THE RIGHT TO A TRIAL BY JURY WITH RESPECT TO ANY LITIGATION BASED 
UPON OR ARISING OUT OF THIS AGREEMENT, RELATING TO THE CREDIT, OR ANY OTHER DISPUTE OR CONTROVERSY BETWEEN YOU AND SUNTRUST, 
AND (B) AGREE THAT ANY LITIGATION WILL PROCEED ON AN INDIVIDUAL BASIS AND WILL NOT PROCEED AS PART OF A CLASS ACTION. 

Other Products and Services 

SunTrust will, at Your request, arrange for an overnight courier to deliver additional or replacement Cards on an expedited basis. The charge assessed 
by the overnight courier will be added to Your Account Balance. From time to time, new products, optional services or enhancements (for example, 
insurance or Card registration) may be offered on Your Account. SunTrust is not liable for these features, services and enhancements, when they are 
the responsibility of a third party provider. You agree to hold SunTrust harmless from any claims, actions or damages resulting from Your use of any 
of these features, services or enhancements, when permitted by applicable law. SunTrust reserves the right to adjust, add, or delete  benefits and 
services at any time. 

Credit Inquiries 

You authorize SunTrust to make or have made any credit, employment, and investigative inquiries that SunTrust deems appropriate related to the 
extension or collection of Credit under the Account. If You dispute credit information SunTrust is reporting about You, You may notify SunTrust at 
Cardholder Services, Attention: Dispute Department, P.O. Box 620548, Orlando, FL  32862-0548. 

Consumer Reporting Agencies (Credit Bureaus) 

It is standard banking industry practice and within federal and state law for SunTrust routinely to provide data about customer loan repayment and 
transactions to consumer reporting agencies and other creditors.  SunTrust may report information about Your Account(s) to credit bureaus.  Late 
Payments, missed payments, or other Defaults on Your Account(s) may be reflected in Your credit report. 

Sharing of Information 

SunTrust may, to the extent and in the manner permitted by applicable law, communicate information about SunTrust’s experiences and transactions 
with You to consumer reporting agencies, SunTrust’s affiliates, and others who may properly receive that information.  You may refer to SunTrust’s 
Privacy Statement for more details about how SunTrust collects, uses, retains, discloses, and safeguards information about You and Your Account. 
SunTrust’s  Privacy  Statement  is  provided  when  consumer  Cardholders  establish  a  customer  relationship  with  SunTrust,  once  each  year  while 
Cardholders maintain a customer relationship with SunTrust, and at other times required by law. You may request an additional copy of SunTrust’s 
Privacy  Statement  by  calling  SunTrust  at  1-800-477-9702  or  sending  a  written  request  to  SunTrust  at  Cardholder  Services,  Attention:  Customer 
Service, P.O. Box 621629, Orlando, FL  32862-1629. 

Waiver 

SunTrust’s  failure  to  exercise,  or  SunTrust’s  delay  in  exercising,  any  of  SunTrust’s  rights  under  the  Agreement  for  any  reason  will  not  mean  that 
SunTrust will be unable to exercise those rights later. 

Severability 

The invalidity of any provision of the Agreement will not affect the validity of any other provision. 

Entire Agreement 

This Agreement, as modified from time to time in accordance with applicable law by any change in terms that SunTrust will deliver to You (in writing 
or  via  update  to  Agreement  terms  that  are  published  at  https://www.suntrust.com/PersonalBanking/EverydayBanking/CreditCards),  constitutes 
the entire Agreement between You and SunTrust, and supersedes any prior negotiation or understanding between You and SunTrust concerning the 
subject matter of this Agreement. Section headings are for convenience only and are to be disregarded when interpreting this Agreement. 

Illegal Transaction 

Any financial service that SunTrust provides pursuant to this Agreement may be used for any transaction permitted by law in accordance with this 
Agreement. You agree that illegal use of any financial service will be deemed an action of Default and/or breach of contract and that SunTrust may 
terminate any such financial service and/or other related services at SunTrust’s discretion.  You will remain responsible for paying for a transaction, 
even if it is not permissible. If any illegal use occurs, You also agree to waive any right to sue SunTrust for such illegal use or any activity directly or 
indirectly related to it and indemnify and hold SunTrust harmless from any suits or other legal action or liability, directly or indirectly, resulting from 
such illegal use. 

Emergency Card Replacement and Cash Disbursement 

You and any Authorized User agree and authorize SunTrust to provide Your personal data to the Card Association, its members, or their respective 
contractors for the purpose of providing Emergency Card Replacement and Emergency Cash Disbursement benefits to You on Your Account. 

Arbitration 

READ  THIS  PROVISION  CAREFULLY  AS  IT  WILL  HAVE  A  SUBSTANTIAL  IMPACT  ON  HOW  DISPUTES  AND  CLAIMS  THAT  YOU  AND/OR  SUNTRUST 
HAVE(HAS) AGAINST EACH OTHER ARE RESOLVED. 

YOU HAVE THE RIGHT TO REJECT THIS ARBITRATION PROVISION AS SET FORTH BELOW. If You do not reject this Arbitration Provision, for a Claim 
subject  to  arbitration,  neither  You  nor  SunTrust  will  have  the  right  to:  (1)  have  a  court  or  a  jury  decide  the  Claim;  (2)  engage  in  information-
gathering  (discovery)  to  the  same  extent  as  in  court;  (3)  participate  in  a  class  action  in  court  or  in  arbitration;  or  (4)  join  or  consolidate  Your 

10 | P a g e  

 
Claim(s)  with  claims  of  any  other  person.    The  right  to  appeal  is  more  limited  in  arbitration  than  in  court  and  other  rights  in  court  may  be 
unavailable or limited in arbitration. 

Arbitration Provision Governing Law 

Notwithstanding  any  choice  of  law  or other  provision  in  this  Agreement,  You  and  SunTrust  agree  and  acknowledge  that  this  Arbitration  Provision 
evidences a transaction involving interstate commerce and that the Federal Arbitration Act (Title 9 of the United States Code) (“FAA”) will govern its 
interpretation  and  enforcement  and  proceedings  pursuant  thereto.    Any  state  Arbitration  Act  or  Code,  including  any  amendments  thereto,  of  the 
state  law  governing  this  document  does  not  apply  to  this  Agreement  or  security  interest,  as  applicable,  or  to  any  arbitration  or  award  under  this 
Agreement or security interest. 

Arbitration Procedures 

If You or SunTrust elect(s) to arbitrate a Claim, the electing party must notify the other party in writing.  This notice can be given after the beginning 
of a lawsuit and can be given in papers filed in the lawsuit.  Otherwise, a notice must be sent to the Notice Address for Arbitration.  If such a notice is 
given, the Claim(s) described in the notice will be resolved by individual arbitration under this Arbitration Provision and, to the extent consistent with 
this Arbitration Provision, the applicable rules of the Administrator then in effect.  If a party files a lawsuit in court asserting Claim(s) that are subject 
to arbitration and the other party files a motion to compel arbitration with the court, which motion is granted, it will be the responsibility of the party 
prosecuting the Claim(s) to select an Administrator in accordance with this Arbitration Provision and the Administrator’s rules and procedures. 

A single arbitrator will be appointed by the Administrator and, unless You and SunTrust agree otherwise, must be a practicing attorney with 10 or 
more years of experience or a retired judge.  The arbitrator will not be bound by judicial rules of procedure and evidence that would apply in a court, 
nor by state or local laws that relate to arbitration provisions or proceedings.  The arbitrator will honor and enforce statutes of limitation and claims 
of privilege recognized under applicable law.  In determining liability and/or awarding damages or other relief, the arbitrator will follow the applicable 
substantive law (consistent with this Agreement and the FAA) that would apply if the matter had been brought in court.  The arbitrator may award 
any damages or other relief or remedies permitted by applicable law.  The arbitrator will write a brief explanation of the grounds for the decision.  A 
judgment on the award may be entered by any court having jurisdiction. 

Arbitration Location and Costs 

Any arbitration hearing that You attend will take place in a location that is reasonably convenient for You.  For Claims that total less than $75,000.00, 
at Your written request, SunTrust will pay all filing, hearing and/or other fees that the Administrator and arbitrator charge You for Claim(s) that You 
assert in arbitration after You have paid an amount equivalent to the fee, if any, for filing such Claim(s) in state or federal court (whichever is less) in 
the judicial district in which You reside. (If You have already paid a filing fee for asserting the Claim(s) in court, You will not be required to pay that 
amount again). In addition, the Administrator may have a procedure whereby You can seek a waiver of fees that the Administrator and arbitrator 
charge  You.    SunTrust  will  always  pay  any  fees  or  expenses  (1)  that  SunTrust  is  required  to  pay  by  law  or  the  Administrator’s  rules  or  (2)  that 
SunTrust is required to pay for this Arbitration Provision to be enforced.  The arbitrator will have the authority to award attorneys’ and expert witness 
fees and costs to the extent permitted by this Agreement, the Administrator’s rules, or applicable law.  The arbitrator will always award You Your 
reasonable attorneys’ and expert witness fees and costs (1) if and to the extent You prevail on Claims You assert against SunTrust in an arbitration 
commenced by You or (2) to the extent required under applicable law for this Arbitration Provision to be enforced. 

Class Action Waiver 

Notwithstanding any other provision of this Agreement, if either You or SunTrust elect(s) to arbitrate a Claim, neither You nor SunTrust will have 
the right (1) to participate in a class action, private attorney general action or other representative action in court or in arbitration, either as a class 
representative or class member; or (2) to join or consolidate Claims with claims of any other persons.  No arbitrator will have authority to conduct 
any  arbitration  in  violation  of  this  provision;  provided,  however,  that  the  Class  Action  Waiver  does  not  apply  to  any  lawsuit  or  administrative 
proceeding  that  a  state  or  federal  government  agency  files  against  SunTrust,  even  when  such  agency  is  seeking  relief  on  behalf  of  a  class  of 
borrowers, including You.  This provision means that SunTrust will not have the right to compel arbitration of any claim brought by such an agency.  
You and SunTrust acknowledge that the Class Action Waiver is material and essential to the arbitration of any disputes between us and is non-
severable  from  this  Arbitration  Provision.    If  the Class  Action  Waiver  is  limited,  voided,  or  found  unenforceable,  then  this  Arbitration  Provision 
(except for this sentence) will be null and void with respect to such proceeding, subject to the right to appeal the limitation or invalidation of the 
Class Action Waiver.  You and SunTrust acknowledge and agree that under no circumstances will a class action be arbitrated. 

Effect of Arbitration Award 

The arbitrator's award will be final and binding on all parties, except for any right of appeal provided by the FAA. However, if the amount of the Claim 
exceeds $50,000 or includes a request for injunctive or declaratory relief that could foreseeably involve a cost or benefit to You or SunTrust exceeding 
$50,000, either You or SunTrust may, within 30 days after the entry of the award by the arbitrator, appeal the award to a three-arbitrator panel that 
the Administrator oversees.  The panel will reconsider anew any aspect of the initial award that the appealing party requests.  The decision of the 
panel will be by majority vote.  Reference in this Arbitration Provision to “the arbitrator” will mean the panel if an appeal of the arbitrator’s decision 
has been taken.  The costs of such an appeal will be borne in accordance with the above paragraph titled “Arbitration Location and Costs.”  Any final 
decision of the appeal panel is subject to judicial review only as provided under the FAA. 

Notice, Cure, and Special Payment 

Prior to initiating a Claim, You may give SunTrust a written Claim notification describing the basis of Your Claim and the amount You would accept in 
resolution of the Claim, and a reasonable opportunity, not less than 60 days, to resolve the Claim.  Such a Claim notification must be sent to SunTrust 
by certified mail, return receipt requested, at SunTrust Bank Legal Department, Attention: General Counsel – Claim Notice, 303 Peachtree Street N.E., 
Suite 3600, Mail Code 0643, Atlanta, Georgia 30308. This is the sole and only method by which You can submit a Claim notification.  If (1) You submit 

11 | P a g e  

 
a Claim notification in accordance with this paragraph on Your own behalf (and not on behalf of any other party); (2) You cooperate with SunTrust by 
promptly providing the information SunTrust reasonably requests; (3) SunTrust refuses to provide You with the relief You request; and (4) the matter 
then proceeds to arbitration and the arbitrator subsequently determines that You were entitled to such relief (or greater relief), You will be entitled 
to a minimum award of at least $7,500 (not including any arbitration fees and attorneys’ fees and costs to which You will also be entitled).  SunTrust 
encourages You to address all Claims You have in a single Claim notification and/or a single arbitration.  This $7,500 minimum award is a single award 
that applies to all Claims You assert or could have asserted in the arbitration.  Multiple awards of $7,500 are not intended. 

Continued Effect of Arbitration Provision, Severability, and Conflicts 

Notwithstanding  any  other  provision  of  this  Agreement,  to  the  extent  permitted  by  applicable  law,  this  Arbitration  Provision  will  survive  (1)  any 
modification, extension or forbearance of or under this Agreement; (2) Your full repayment of the Credit; (3) any sale or transfer of the Credit; (4) any 
SunTrust legal proceeding to collect a debt that You owe; (5) any bankruptcy (except where prohibited by bankruptcy law); and (6) the termination, 
cancellation, suspension, or rejection of this Agreement.  If any portion of this Arbitration Provision (other than the Class Action Waiver) cannot be 
enforced, the rest of this Provision will continue to apply.  In the event of a conflict between this Arbitration Provision and any applicable rules of 
JAMS or AAA or other Administrator used, the provisions of this Arbitration Provision will control. 

Right to Reject Arbitration Provision 

You may reject this Arbitration Provision and therefore not be subject to being required to resolve any dispute, controversy, or claim by arbitration.  
To reject this Arbitration Provision, You must send SunTrust written notice of Your decision so that SunTrust receives it at the address listed below 
within  forty-five  (45)  days  after  the  opening  date  of  Your  Account.    Such  notice  must  include  a  statement  that  You  wish  to  reject  this  Arbitration 
Provision, along with Your name, address, Account number, and Your signature and must be mailed to the SunTrust Legal Department, Attention: 
Arbitration Rejection, P.O. Box 4418, Mail Code 0643, Atlanta, GA 30302-4418.  This procedure is the sole and only method by which You can reject 
this  Arbitration  Provision.    Rejection  of  this  Arbitration  Provision  will  not  affect  any  remaining  terms  of  this  Agreement  and  will  not  result  in  any 
adverse consequence to You or Your Account.  You agree that SunTrust’s business records will be final and conclusive with respect to whether You 
rejected this Arbitration Provision in a timely and proper fashion.  This Arbitration Provision will apply to You and SunTrust and to Your Account 
unless You reject it by providing proper and timely notice as stated herein. 

Your Billing Rights 

Keep this notice for future use.  It informs You about Your rights and SunTrust’s responsibilities under the Fair Credit Billing Act. 

What to do if You find a mistake on Your Statement 

 

 

 

 

If You think there is an error on Your Statement, write SunTrust at: 
 

SunTrust Bank 
Cardholder Services, P.O. Box 620548, Orlando, FL 32862-0548 
Attn: Dispute Department 

In Your letter, give SunTrust the following information: 
 
 
 

Account information: Your name and Account number 
Dollar amount: The amount of the suspected error 
Description of problem:  If You think there is an error on Your Statement, describe what You believe is wrong and why You believe it is a 
mistake. 

You must contact SunTrust: 
  Within 60 days after the error appeared on Your statement. 
 
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. 

At least 3 business days before an automated payment is scheduled, if You want to stop payment on the amount You think is wrong. 

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 

12 | P a g e  

 
tell You the name of anyone to whom SunTrust reported You as delinquent, and SunTrust must let those organizations know when the matter 
has been settled between SunTrust and You. 
If SunTrust does not follow all of the rules above, You do not have to pay the first $50 of the amount You question even if Your bill is correct. 

 

Your rights If You are dissatisfied with a Purchase 

 

 

If You are dissatisfied with the  goods or services that You Purchase with Your Card/Account, and You  have tried in good faith  to correct the 
problem with the merchant, You may have the right not to pay the remaining amount due on the Purchase.  To use this right, all of the following 
must be true: 
 

The Purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the purchase price must 
have been more than $50.  (Note:  Neither of these conditions applies if Your Purchase was based on an advertisement SunTrust mailed to 
You, or if SunTrust owns the company that sold You the goods or services.) 
You must  have used Your Card for the Purchase.  Purchases made with cash advances from an  ATM or with a check that accesses Your 
Account do not qualify. 
You must not yet have fully paid for the Purchase. 

 
If all of the criteria above are met and You are still dissatisfied with the purchase, contact SunTrust in writing at: 
 

 

SunTrust Bank 
Cardholder Services, P.O. Box 620548, Orlando, FL 32862-0548 
Attn: Dispute Department 

While SunTrust investigates, the same rules apply to the disputed amount as discussed above.   After SunTrust finishes the investigation, SunTrust 
will tell You SunTrust’s decision. At that point, if SunTrust thinks You owe an amount and You do not pay, SunTrust may report You as delinquent.  

Definitions 

Account – The credit card Account(s) SunTrust approves for Your use that is/are subject to the terms and conditions of this Agreement. 

Administrator – an agency or individual who will consider and resolve a Claim between You and SunTrust in accordance with the Arbitration Provision 
of  this  Agreement,  being  one  of  the  following:    (1)  American  Arbitration  Association  (“AAA”)  –  1633  Broadway,  10th  Floor,  New  York,  NY  10019, 
www.adr.org, 1-800-778-7879; (2) JAMS – 1920 Main Street, Suite 300, Irvine, CA 92614, www.jamsadr.com, 1-800-352-5267; or (3) if both JAMS and 
AAA  are  unable  or  unwilling  to  serve  as  Administrator,  a  neutral  and  impartial  arbitrator  mutually  acceptable  to  You  and  SunTrust.    If  You  and 
SunTrust  cannot  agree  on  an  Administrator,  You  and  SunTrust  agree  that  an  Administrator  may  be  appointed  by  a  court  in  accordance  with  the 
Federal  Arbitration  Act,  9  U.S.C.  §§  1  through  16;  provided,  however,  that  no  company  may  serve  as  Administrator,  without  SunTrust’s  and  Your 
consent,  if  such  company  adopts  or  has  in  place  any  formal  or  informal  policy  that  is  inconsistent  with  and  purports  to  override  the  terms  of  the 
Arbitration Provision.  The rules and forms of JAMS and AAA may be obtained by writing to these organizations at the addresses listed above. 

Agreement – Your Card Account Agreement with SunTrust for the Account, which contract is made up of these terms and conditions, Your application 
or response to SunTrust’s solicitation, and the documents that accompany delivery of Your Card (Card Mailer). 

APR (Annual Percentage Rate) – The cost of Your Credit as a yearly rate.  Different APRs may apply to different Balances on Your Account, such as 
Your Balance on Purchases or Your Balance on Cash Advances.  SunTrust uses the applicable APR to calculate the Interest Charge that You owe on the 
Account.  The Card Mailer discloses applicable APRs and whether the Account is subject to a Variable or Non-Variable APR. 

Non-Variable APR – The DPR subject to the Non-Variable Rate will be based on an APR that does not vary with changes in an Index Rate.  The 
Card Mailer discloses the APR for the Non-Variable Rate as of the date Your Account was opened. 

Variable APR –The variable APR will be based on the Index Rate plus a Margin.  The Card Mailer discloses the APR for the Variable Rate.   An 
increase in the Index Rate may result in a higher Minimum Payment.   

Assign – SunTrust Assigns Your Account and this Agreement if SunTrust sells or transfers to another party any or all of SunTrust’s rights or obligations 
under this Agreement, including any amount that You owe SunTrust on the Account.  If SunTrust Assigns Your Account, the party who receives the 
assignment will have SunTrust’s rights under this Agreement, subject to the extent of the assignment. 

Authorized Charges – Any Purchases, Balance Transfers, Cash Advances, Overdraft Advances, and Promotional Balances that You or any Authorized 
User makes on the Account and any fees and Interest Charges owing on the Account. 

Authorized  User  –  Any  person  You  authorize  to  use  the  Card  (whether  Cardholder  or  not  and  whether  or  not  such  use  exceeds  the  limit  You 
authorized or intended). 

Average  Daily  Balance  –  To  get  the  Average  Daily  Balance,  SunTrust  adds  the  outstanding  Balance  (including  new  transactions  and  deducting 
payments and credits) for each transaction type for each day in the Billing Period; SunTrust adds  together all the  daily Balances for each separate 
transaction type, and then divides by the number of days in the Billing Period. 

Balance – Every charge on the Account, including transactions that You make and Interest Charges and fees that SunTrust assesses, falls into a specific 
Balance, such as the Balance on Purchases, Balance Transfers, Cash Advances, Overdraft Advances, and Promotional Balances.  Fees that are based on 
a specific transaction are assigned to the same Balance as the applicable transaction.  For example, a foreign transaction fee on a Purchase is assigned 
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 

13 | P a g e  

 
 
process a partial Balance Transfer for less than the amount that You requested or SunTrust may decline the entire request. SunTrust is not liable if 
SunTrust does not approve a requested Balance Transfer (in whole or in part). Balance Transfer requests that are incomplete or illegible will not be 
approved. SunTrust reserves the right to make Balance Transfers in the order SunTrust selects.  In order to preserve Your dispute rights, You should 
not transfer balances from other credit card companies or financial institutions if those balances are in dispute. You should allow up to 8 weeks for 
Balance Transfers to be completed.  You should continue to monitor the other accounts and continue to pay the minimum payment due on those 
accounts until You receive statements from those creditors showing that the balances have been paid in full.  This confirmation may not happen until 
after the transactions appear on the Statement SunTrust sends You.  You are solely responsible for any late payments, ongoing finance charges and 
disputed amounts on Your other accounts. If You want Your other accounts closed following a Balance Transfer, You are responsible for doing so. 

Billing Period – The time interval between the dates of Your regular billing Statements. Your first Billing Period may be less than one month. All Credit 
terms, including Minimum Interest Charges, will apply in each Billing Period including the first Billing Period. 

Card – Your Card is/are the physical Card(s), the Account number, or any device (such as a check) that You or an Authorized User can use to access 
Your Account. 
Card Association – the applicable credit card association through which Your Card Account is sponsored (e.g., Visa® or MasterCard®). 
Cardholder  –  The  natural  person  to  whom  SunTrust  issues  a  Card  at  his/her  request  or  application,  or  a  natural  person  who  has  agreed  to  pay 
obligations arising from another person’s use of the Card or Account. 

Card Mailer – the mail that delivers Your Card and includes Your Agreement and other terms associated with Your Card Account when SunTrust sends 
Your Card to You. 

Cash Advance – Credit SunTrust extends to You in the form of a loan from the Account. A Cash Advance occurs when You:  (1) obtain cash from an 
ATM (automated teller machine), (2) obtain cash from any other source, (3) make a wire transfer, (4) buy foreign currency, (5) buy traveler’s checks, 
(6) buy money orders, (7) buy lottery tickets, or (8) buy gambling chips or wagers. 

Cash Advance Credit Limit – The maximum amount of Credit that SunTrust establishes from time to time and makes available to You on the Account 
for Cash Advances.  Any Cash Advance Credit Limit SunTrust establishes may be less than the Credit Limit that otherwise applies to Your Account.  The 
Cash Advance Credit Limit is stated on the Card Mailer. 
Cash  Equivalent  Transactions  –  Transactions  performed  using  a  merchant  or  service  provider  that  Visa®  or  MasterCard®  identifies  as  a  seller  of 
travelers checks, foreign currency, money orders, wire transfers, lottery tickets, funds used for wagers or gambling, or similar products or services. 
These transactions are treated as Cash Advances on Your Account. 

Claim – means any claim, dispute or controversy between You and SunTrust (other than an Excluded Claim or Proceeding as set forth below), whether 
preexisting, present or future, which arises out of or relates to the Credit, this Agreement or any transaction conducted with SunTrust in connection 
with  the  Credit  or  this  Agreement.    “Claim”  has  the  broadest  possible  meaning  and  includes  initial  claims,  counterclaims,  cross-claims,  third-party 
claims,  and  federal/state/local/administrative  claims.    It  includes  disputes  based  upon  contract,  tort,  consumer  rights,  fraud  and  other  intentional 
torts,  constitution,  statute,  regulation,  ordinance,  common  law,  and  equity,  and  includes  claims  for  money  damages  and  injunctive  or  declaratory 
relief.  Upon Your demand or SunTrust’s demand, Claim(s) will be resolved by individual (not class or class-wide) binding arbitration in accordance 
with the terms specified in the Arbitration Provision.  Neither You nor SunTrust waives the right to require arbitration of a new Claim by bringing a 
Claim in a lawsuit or by failing to require arbitration of another Claim. 

Closing Date – The last day of a Billing Period. 

Convenience Check – A check that the Bank provides which You may use to access Your Account to make a Purchase or a Balance Transfer. 

Covered Provider – means any third party that provides any product or service in connection with the Credit if (and only if) You assert a Claim against 
such third party in connection with a Claim You assert against SunTrust. 

Credit – means the credit extension You receive under this Agreement. 

Credit Limit – Your Credit Limit will appear on each monthly Statement. 

For Accounts with Spending Limits:  The maximum amount of Credit that SunTrust establishes from time to time and makes available to You on 
the Account.   

For Accounts with no Pre-Set Spending Limits: No pre-set spending limit does not mean unlimited spending
. Your Account will be assigned a 
revolving Credit Limit. SunTrust may restrict the amount of Your Credit Limit that is available for Balance Transfers. For Cash Advances, You may 
only  spend  up  to  Your  assigned  Cash  Advance  Credit  Limit.  For  Purchases,  You  may  be  authorized  to  exceed  Your  assigned  Credit  Limit.  Each 
transaction You make is authorized based on factors such as (1) Your Account history; (2) credit record; (3) absence or presence of suspected 
fraud;  and  (4)  performance  and  delinquency  patterns.  If  You  attempt  to  make  a  Purchase  transaction  that  exceeds  your  Credit  Limit,  Your 
Account  will  be  evaluated  based  upon  the  length  of  time  Your  Account  has  been  open  and  Account  usage,  performance  and  delinquency 
patterns with SunTrust or with Your other creditors, and Your ability to pay. In certain circumstances, SunTrust may ask for additional financial 
records  to  authorize  a  transaction.  If  You  are  authorized  to  exceed  Your  Credit  Limit,  You  will  be  required  to  pay,  as  part  of  your  Minimum 
Payment, the amount by which Your New Balance exceeds Your Credit Limit. SunTrust encourages You to provide us with notice of forthcoming 
unusual activity, such as, high transaction amounts, high velocity, or changes in geographic patterns. 

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 

14 | P a g e  

 
incapacitated, (7) You fail to comply with any provision of this Agreement, (8) You or an Authorized User makes illegal use of any financial service 
under the Account or (9) You or an Authorized User continues to use an Account or Card that has been closed. 

Delinquency Triggering Event – A Delinquency Triggering Event  occurs if You fail to make a Minimum Payment within 60 days of its payment Due 
Date. 

DPR (Daily Periodic Rate) – the daily periodic rate is calculated from the applicable APR.  The DPR is equal to the applicable APR divided by 365 (or 
366  in  a  leap  year).    SunTrust  may  use  DPR  to  calculate  the  Interest  Charge  as  described  in  this  Agreement.    Interest  Charges  resulting  from  the 
application  of  DPRs  will  accrue  daily  and  be  calculated  on  the  Average  Daily  Balances  (including  new  transactions)  for  each  Account  feature 
(Purchases, Cash Advances, Balance Transfers, Overdraft Advances, and Promotional Balances). 

Due  Date  –  This  is  the  date  by  which  SunTrust  must  receive  Your  payment  in  order  for  it  to  be  on  time.    Your  Due  Date  will  be  stated  on  Your 
Statement.  It will occur on the same calendar day of each month.  It will be at least 21 days after the date SunTrust mails Your Statement and at least 
25 days after the end of Your most recently concluded Billing Period (Closing Date).  To be timely, SunTrust must receive Your payment on or before 
the Due Date and by the time stated on Your Statement.  If no time is stated on Your Statement, Your payment is timely if SunTrust receives it by 5 
p.m.  Eastern  Time  on  the  Due  Date;  provided,  however,  that  if  You  make  a  payment  directly  to  SunTrust  personnel  at  a  SunTrust  branch,  Your 
payment will be credited to Your Account same day as the day of the payment.  Payments initiated through SunTrust’s automated telephone service, 
with a customer service representative, or via SunTrust’s web site will be subject to the 5:00 pm payment cut-off time. 

:  Payments that SunTrust receives prior to 5:00 p.m. Eastern Time at the mailing address shown on the front of Your 
Crediting of Payments to Account
Statement and in the Standard Payment Instructions will be credited to Your Account as of the date of receipt.  Payments that SunTrust receives after 
5:00 p.m. Eastern Time will be credited as of the next day, unless You make the payment directly to SunTrust personnel at a SunTrust branch after 5 
p.m., as stated above. If SunTrust accepts a payment received at any other location than the address stated in Your Statement and in the Standard 
Payment  Instructions,  with  no  payment  coupon  enclosed,  or  that  does  not  conform  to  the  Standard  Payment  Instructions,  that  payment  may  be 
subject  to  a  delay  in  crediting  of  up  to  5  days  after  the  date  of  receipt.  This  delay  may  result  in  additional  Interest  Charges,  Other  Charges,  and 
possible suspension of Your Account.  Payments initiated through SunTrust’s automated telephone service (if available) or via SunTrust’s web site will 
be subject to the 5:00 pm payment cut-off time.   

Excluded  Claim  or  Proceeding  –  means  any  of  the  following  claims  or  proceedings,  which  will  not  be  subject  to  the  Arbitration  Provision:  (1)  any 
dispute  or  controversy  about  the  validity,  enforceability,  coverage  or  scope  of  the  Arbitration  Provision  or  any  part  thereof  (including,  without 
limitation, the Class Action Waiver set forth in the Arbitration Provision and/or this sentence); all such disputes or controversies are for a court and 
not an arbitrator to decide; however, any dispute or controversy that concerns the validity or enforceability of the Agreement as a whole is for the 
arbitrator, not a court, to decide; (2) any individual action brought by You or SunTrust in small claims court or Your state's equivalent court, unless 
such action is transferred, removed, or appealed to a different court; (3) any self-help or non-judicial remedy, including enforcement of a security 
interest  if  the  Credit  is  secured  by  collateral;  (4)  any  action  to  the  extent  that  it  seeks  provisional  or  ancillary  remedies  in  connection  with  the 
foregoing; and (5) any individual action in court by one party that is limited to preventing the other party from using a self-help remedy and that does 
not involve a request for damages or monetary relief of any kind.  The institution and/or maintenance of any such right, action or litigation will not 
constitute a waiver of the right  of either You or SunTrust to compel arbitration regarding any other  dispute subject  to arbitration pursuant to the 
Arbitration Provision.  Moreover, the Arbitration Provision will not apply to any Claims that are the subject of (a) a class action filed in court that is 
pending  as  of  the  effective  date  of  the  Arbitration  Provision  in  which  You  are  alleged  to  be  a  member  of  the  putative  class  (however,  You  and 
SunTrust will continue to be bound by any prior version of the Arbitration Provision) or (b) a motion to compel arbitration filed by SunTrust against 
You before the effective date of the  Arbitration Provision pursuant to a prior version of the Arbitration Provision (however, You and  SunTrust will 
continue to be bound by any prior version of the Arbitration Provision). 

Grace Period – The time period during which You may avoid paying interest on certain transactions.  As stated in the Card Mailer, the Grace Period is 
at least 25 days after the close of each Billing Period.  This Agreement defines the kinds of transactions that are subject to a Grace Period (See Interest 
Charges  and  Transaction  Fees  Section).    If  a  particular  transaction  is  subject  to  a  Grace  Period,  Your  Account  starts  in  a  Grace  Period  for  that 
transaction.  The Grace Period will continue if You pay Your New Balance on time each Billing Period.  You will lose the Grace Period if You do not pay 
Your New Balance in a given Billing Period.  To regain Your Grace Period after You lose it, You must pay Your New Balance on time for 1 Billing Period.  
If You lose Your Grace Period for transactions to which the Grace Period previously applied, You will owe interest on any unpaid Balance.  Interest on 
those transactions will begin to accrue from the end of the Billing Period for which You failed to pay Your New Balance.  For any such transactions that 
You  make  after  You  lose  Your  Grace  Period,  You  will  pay  interest  from  the  Transaction  Date  until  the  time  that  You  regain  the  Grace  Period  for 
transactions of this type. 

Index Rate – The rate  used for  making variable rate adjustments to Your  APR.  The Index Rate is the Prime Rate as  quoted in the "Money Rates" 
section of The Wall Street Journal (Eastern Edition) on the 28th day (or if the 28th day is not a business day, the next business day thereafter) of the 
prior calendar month.  If The Wall Street Journal (Eastern Edition) is not published or the Prime Rate is not given on any of these dates, then the Index 
Rate will be determined by using the immediately preceding published Prime Rate for such date.  If the Prime Rate is no longer available, SunTrust will 
choose a new index and notify You as required by applicable law.  Index Rate changes will be effective on Your Billing Period that commences on or 
after the first day of the next succeeding month after the Index Rate is published. (For example, if a new Index Rate is published on June 28th, the 
new  APR  would  be  effective  as  of  the  first  day  of  the  Billing  Period  that  commences  July  1  or  after).    An  Index  Rate  increase  will  increase  the 
applicable APR, which may increase Your Minimum Payment. 

Interest Charge – The cost of Your Credit on the Account as a dollar amount that SunTrust derives by applying Your DPR to the Average Daily Balance. 

Items – Statements, sales drafts and/or payment instruments. 

Late Payment – A payment that You make that SunTrust does not receive before the Due Date. 

Margin – The rate added to the Index Rate to determine Your APR. 

Minimum Payment – The Minimum Payment due on Your Account as shown on Your Statement. 

15 | P a g e  

 
New Balance – The entire Balance of Purchases, Cash Advances, Overdraft Advances, Balance Transfers and any Promotional Balances outstanding on 
Your Account on the Closing Date, plus all accrued Interest Charges and Other Charges as of such date. 

Notice Address for Arbitration – means, except as otherwise specified in the Arbitration Provision, the address that must be used for giving notices 
under the Provision.  The initial Notice Address for You is the latest address SunTrust has in SunTrust’s files.  The initial Notice Address for SunTrust is: 
SunTrust Bank Legal Department, Attention: General Counsel – Arbitration Election, 303 Peachtree Street N.E., Suite 3600, Mail Code 0643, Atlanta, 
Georgia 30308, although SunTrust may give You notice at any time that SunTrust has changed SunTrust’s Notice Address. 

Other Charges – Charges to Your Account as described in the Other Charges Section of this Agreement, including fees for:  Late Payments*, Annual 
Fee, Returned Payments*, Stop Payments*, Documentation*, and Phone Payments*.  *SunTrust will consider reversal of these Other Charges fees on 
open Accounts in good standing if circumstances warrant such consideration, such as claims of Bank errors and other mitigating factors. 

Overdraft Advance  – Credit SunTrust extends to You in the form of a loan from the  Account to cover an overdraft on a  deposit account that You 
designate at SunTrust.  You must enroll in the SunTrust overdraft protection program to receive this form of Credit. 

Promotional  Balance  –  Credit  SunTrust  extends  for  an  introductory  and  other  designated  Purchase  or  Balance  Transfer  transaction,  subject  to 
discounted  fees  and/or  a  different  DPR  than  your  standard  DPR  for  Purchases.    Your  use  of  a  Promotional  Offer  from  SunTrust  results  in  a 
Promotional Balance. 

Promotional Rate – The DPR applied to Promotional Balances. 

Purchase – Credit SunTrust extends to You when You or an Authorized User (1) use(s) the Card or Account to purchase goods, labor, insurance or 
services through sellers and lessors that honor Your Card or Account for the purpose of completing a Purchase or (2) use(s) a Convenience Check or 
other Credit instrument that SunTrust provides for You to make a Purchase. 

Returned Payment – A payment that You make that Your financial institution does not honor.  If You have a Returned Payment, SunTrust will assess a 
fee in accordance with the terms of this Agreement.  If SunTrust resubmits a Returned Payment and Your financial institution subsequently honors it, 
SunTrust  will  still  assess  a  Returned  Payment  fee  because  Your  financial  institution  originally  returned  the  payment  as  unpaid.    If  Your  financial 
institution  returns  a  payment  more  than  once,  SunTrust  will  not  charge  more  than  one  Returned  Payment  fee.    If  You  make  a  new  payment  to 
SunTrust, however, and Your financial institution does not honor it, SunTrust will assess an additional Returned Payment fee. 

Savings Account – the Savings Account (called “Secured Card Savings Account”) that You opened and maintain and pledged (via security interest) to 
SunTrust to secure payment of your outstanding Balance. 

Standard Payment Instructions – These instructions require You to pay your credit Card bill as follows.  Pay (1) in U.S. dollars, (2) not in cash, unless 
You pay at one of SunTrust’s branches, (3) from a U.S. deposit account or cashier’s check drawn on a U.S. financial institution, (4) without restrictive 
language  (e.g.,  “payment  in  full”)  included  or  attached  to  the  payment,  and  (5)  not  from  a  credit  account  that  SunTrust  provides  You,  such  as  a 
Convenience Check drawn on this Account.  If You make payment in a paper form (like a check, money order, or cashier’s check), You must include 
the payment coupon from Your Statement or write Your Card Account number on the payment.  If SunTrust decides in the Bank’s discretion to accept 
a  form  of  payment  that  does  not  meet  these  Standard  Payment  Instructions,  SunTrust  does  not  waive  the  Bank’s  right  to  continue  to  require 
payments that comply with these instructions.  If SunTrust decides to accept a payment that You make in a foreign currency, SunTrust will choose the 
conversion rate to apply.  The date You mail the payment is different from the date the Bank receives the payment.  The payment date is the date 
that the Bank receives Your payment in accordance with these Standard Payment Instructions.  If You fail to comply with these Standard Payment 
Instructions,  credit  to  Your  Account  for  the  payment  may  be  delayed.    This  delay  may  result  in  additional  Interest  Charges,  Other  Charges,  and 
possible suspension of Your Account.  Contact SunTrust at 1-800-477-9702 to inquire about phone pay.  Mailed payments should be sent to: 

SunTrust Bank 
Cardholder Services 
P.O. Box 791278 
Baltimore, MD  21279-1278 

NOTE:  Any disagreement that You may have with respect to charges on Your Statement must be presented to SunTrust in writing separately from 
your payment and to a different address than where Your payments are sent.  (See the “Your Billing Rights” Section of this Agreement.) 

Statement – SunTrust will send You a bill at the end of each Billing Period if Your Account has a debit Balance of any amount or a credit Balance of 
more than $1, unless SunTrust has decided Your Account is uncollectible or has closed or suspended Your Account for collection proceedings against 
You.  The Statement will tell You the total Balance that You owe the Bank as of the end of the last Billing Period.  It will also tell You the Minimum 
Payment that You must pay the Bank by the stated Due Date. 

SunTrust – means (1) SunTrust Bank, the bank that is providing You Credit, and will include (2) any person(s) to whom the Credit is transferred or 
assigned;  (3)  any  Covered  Provider;  (4)  the  parents,  controlling  persons,  subsidiaries  and  affiliates  of  the  companies  in  (1)-(3)  above;  (5)  the 
successors  and  predecessors  of  the  companies  in  (1)-(4)  above;  and  (6)  the  officers,  directors  and  employees  of  the  companies  in  (1)-(5)  above..  
SunTrust may also be referred to as “the Bank.” 

Termination Date – This is the last day a Promotional Rate will apply to a Promotional Balance.  It will be the earlier of (1) the last day specified in the 
Promotional Balance offer or (2) the date identified in any notice to You when a Delinquency Triggering Event occurs. 

Transaction  Date  –  The  Transaction  Date  of  a  Purchase  is  the  sale  date.    The  Transaction  Date  of  a  Balance  Transfer,  Cash  Advance,  or  Overdraft 
Advance is the date that You request such a transaction. 

You, Your and Yours – means the Cardholder(s). 

16 | P a g e  

 
 
 
The information about the costs of the card described in this application is accurate as of September 16, 2013.  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 

APR for Cash Advances and Overdraft 
 Advances 
How to Avoid Paying Interest on Purchases 

Minimum Interest Charges 

Fees 
Annual Fee 
Transaction Fees 
* Balance Transfer 
* Cash Advance 
* Foreign Transaction 
Penalty Fees 
* Late Payment 
* Returned Payment 

 Prime Rate + 14.74% to Prime Rate + 16.74% 
This APR will vary with the market based on the Prime Rate. 

 Prime Rate + 14.74% to Prime Rate + 16.74% 
This APR will vary with the market based on the Prime Rate. 
24.99% 
This rate will vary with the market based on the Prime Rate. 
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. 
If you are charged interest, the charge will be no less than $1.50. 

*$29  to $39 

*$10.00 or 4% of the amount of the transfer, whichever is greater 
*$10.00 of 4% of the amount of the transfer, whichever is greater 
* 3% of each transaction in U.S. Dollars 

* Up to $35 
* UP to $35 

How We Calculate Your Balance: We use a method called “average daily balance (including new transactions).” See the Card Agreement 
for more details. 

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