P-1786

Rev. 9/17

What other 

important terms 

exist in the CA?

Credit Limits, Authorization, and Convenience Checks –

spending limits/transaction authorization.

Individual Liability – each Cardholder is individually and 

Costs on Balance

•The costs for Balance Transfers consist of (1) interest 

Any reason

None

Increase or 

decrease to 

Credit Limit

Interest Charges

and Transaction

Fees in General:

SunTrust calculates Interest Charges using the Average 

Daily Balance (including new transactions) method. 

SunTrust also uses compounded interest in calculating 

jointly liable for all Authorized Charges.

Termination – You or SunTrust can terminate or suspend 

Your Credit at any time with/without cause.

Sharing of Information – how SunTrust safeguards your 

information/how-when SunTrust may disclose Your information

to others; refers to SunTrust’s Privacy Statement.

Arbitration – the way in which You and SunTrust agree to 

resolve claims; You have the right to opt out of arbitration 

as the agreed upon claims resolution method.

Billing Dispute Rights – details Your rights if You dispute 

charges/are not satisfied with good/services You procure 

from merchants using Your Card/Account.

Defined Terms – defines all essential terms used in the CA.

Interest Charges. 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.

Interest Rates

and Interest

Charges based

upon Credit

Inquiries:

Cost on

Purchases:

SunTrust 

will charge 

the Interest 

Charge (unless 

inapplicable 

because of the 

Grace Period) on 

Your Purchases 

from the 

transaction date.

Costs on Cash

Advances:

SunTrust will 

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

charge the Interest

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.

Charge on Your 

Cash Advances 

from the date they

are posted to Your

Account.

Cost on Overdraft

The cost on Overdraft Advances (DPR Interest Charge) 

Advances:

is the Average Daily Balance on Overdraft Advances

SunTrust will charge

the Interest Charge

multiplied by (1) the number of days in the Billing Period

and (2) the applicable DPR. In accordance with its Rules and 

on Your Overdraft 

Regulations for Deposit Accounts, SunTrust will assess You

Advances from 

its usual deposit account fee for such service, separately, 

the date they are 

and as part of Your deposit Account fees. Overdraft 

posted to Your 

Advances do not have a Grace Period.

Account.

CREDIT CARD ACCOUNT AGREEMENT

SunTrust Travel Rewards Card

Table of Contents
SUMMARY OF KEY TERMS
AGREEMENT TERMS
Costs
Overdraft Protection
Payments

Amendment (Changes) and Assignment 
Additional Information
Arbitration
Your Billing Rights
Definitions

Card Account 
Agreement (CA)
SUMMARY OF 
KEY TERMS

Each bolded word or phrase is defined in the definitions 
section at the end of this Agreement. A copy of the 
Agreement may be found online at www.suntrust.com/
personal-banking/credit-cards.

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 sign the 
Card or (2) You or an Authorized User use(s) the Card or 
Account, thus obtaining Credit from SunTrust.

What types of 
transactions 
might You make 
with the Card/
Account and 
how are these 
transactions 
itemized on Your 
bill each month?

What You Pay, 
when, how, and 
what happens if 
You pay late?

• You may use Your Card/Account to make legal Purchases, 

Cash Advances, Overdraft Advances and Balance 
Transfers. You are responsible for transactions that You, 
other Cardholders, and Authorized Users make, whether 
the transactions are legal or not.

• Each type of transaction has different associated costs 

and terms; each transaction type and associated costs are 
grouped together and detailed in Your monthly Statement
(Card Account bill) by transaction type. The combined
outstanding amount of each transaction type is Your New 
Balance due on Your Account each month (Billing Period).
You must pay all Interest Charges, fees, and Other 
Charges properly charged to Your Account.

• SunTrust will send You a monthly Statement (bill). You

agree to pay all Authorized Charges on the Statement. 
You have the option of paying in full the New Balance
shown on each Statement or paying in installments that
at least equal the amount of the Minimum Payment
shown on Your Statement. In either case, the payment 
Due Date will be at least 25 days after the Closing Date
of Your Statement.

• The Minimum Payment will include any amount past due 
or over Your Credit Limit plus the greater of (1) $20.00, 
(2) 2% of the New Balance, or (3) 1% of the New Balance 
plus current Interest Charges and Other Charges. If the 
New Balance is less than $20.00, the Minimum Payment
will be the New Balance. If You pay more than the 
Minimum Payment, You still must make the Minimum 
Payment on subsequent Statements until You have fully 
paid what You owe. You must pay in U.S. dollars, without 
restrictive terms, and in accordance with the Standard 
Payment Instructions.

• If You do not pay at least the Minimum Payment by the

Due Date, SunTrust will charge a Late Payment fee, unless 
Your Account is exempt from Late Payment fees. If You
make a Late Payment, You will be in Default and You may 
be subject to rate increases. If You are in Default for any 
reason, SunTrust can require that the entire outstanding
full Balance on Your Account be immediately paid.

How will 
SunTrust apply 
Your payments?

• You agree that the Minimum Payments on Your Account

will be applied in the order SunTrust selects.

• SunTrust may allocate Your Minimum Payments to 

Balances starting with the lowest APR (Annual Percentage 
Rate). Payments in excess of the Minimum Payment will 
generally be applied first to Balances with the highest 
APR and any remaining portion to the other Balances in 
descending order based on their APRs, unless SunTrust
is required by applicable law to use a different payment 
application method in connection with a deferred interest 
or similar program.

• Payments are normally applied to restore Your available 
Credit (the amount of Your unused Credit Limit). There 
may be a delay in restoring Your available Credit until 
SunTrust determines whether a payment is likely to be 
returned for insufficient funds or for some other reason.

What other 
important terms 
exist in the CA?

Your liability for unauthorized use of the Card – what to 
do/what happens if Your Card is stolen.

Transfers:

When SunTrust 

provides You a 

Balance Transfer 

check or Balance 

Transfer request 

form or when You 

request a Balance 

Transfer, SunTrust 

will charge the 

Interest Charge 

on Your Balance 

Transfer from the 

date it is posted 

to Your Account.

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.

Foreign Currency

•All Purchase and Cash Advance transactions processed in 

Exchange on

Non-US 

Transactions:

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 

Other Charges:

Late Payment Fee. Unless Your Account is exempt from

Your Account.

•If Your Account has a foreign currency transaction fee, it 

will be shown on the Card Mailer.

•Conversion may occur on a date other than the date of the 

transaction or the date the transaction is posted to Your 

Statement, which may affect the conversion rate used. If 

a Credit transaction is processed and has a processing date 

different than the original transaction, then the exchange 

rate of the Credit can be greater/less than that of the 

original transaction.

Late Payment fees, if SunTrust has not received at least

the Minimum Payment by its Due Date as shown on a

Statement, SunTrust will add a Late Payment fee to Your

Purchase Balance based on the New Balance outstanding

as of the Closing Date for the Statement.

Annual Fee. If Your Account has an annual fee, it will be 

shown on the Card Mailer, and SunTrust will add the annual 

fee to Your Purchase Balance.

Returned Payment Fee. Unless Your Account is exempt 

from Returned Payment fees, SunTrust will add a Returned 

Payment fee to Your Purchase Balance if (1) a payment 

that You make or authorize is returned to SunTrust unpaid; 

or (2) any Balance Transfer, Cash Advance, or Promotional 

Balance check is dishonored for any reason. This fee may be 

imposed even if Your payment is later re-presented to and 

paid by Your financial institution.

Stop Payment Fee. SunTrust will add a $39.00 stop 

payment fee to Your Purchase Balance if You ask SunTrust

to stop payment on any Convenience Check drawn on Your 

Account or on any Balance Transfer request.

Documentation Fee. SunTrust will provide copies of

Statements, sales drafts, etc., to You upon request. If You

request copies of more than two items during a Billing Period, 

SunTrust will add a fee to Your Purchase Balance up to $5.00

for each additional copy unless prohibited by applicable law.

SunTrust will not impose any fee if Your request is made in

connection with written notice of a billing error.

Minimum Interest

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).

SunTrust can change some of Your rates and other terms

in accordance with applicable law. This table shows some

possible changes.

Type of change

What may trigger

Advance notice of change

Charges:

Changes

charges

Interest Rate

In the first 

increase on new 

year, a 

Promotional Rate ends or Index Rate

changes, no notice; otherwise, 45 days

Advances

Interest Rate

increase on 

existing Balances

No notice requirement or per terms of the 

workout arrangement

change

Promotional 

Rate ends 

or the Index 

Rate changes; 

after that, any 

reason

Promotional 

period ends, 

Index Rate

changes, or 

Your Account

is in a workout 

arrangement

Some fees and 

other terms

Can change for 

Up to 45 days for certain fees and 

any reason

Minimum Payment changes

Card Account 

Agreement (CA)

SUMMARY OF

KEY TERMS

Each bolded word or phrase is defined in the definitions

section at the end of this Agreement. A copy of the

Agreement may be found online at www.suntrust.com/

personal-banking/credit-cards.

Your Card Account Agreement with SunTrust starts and You agree to 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 

Cost: Interest Charge (Average Daily Balance for 

for Purchases

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.

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

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 

Cost: Interest Charge (Average Daily Balance for Overdraft 

for Overdraft 

Advances x no. days in Billing Period x DPR)

Interest Charge 

and Transaction 

Fees for Cash 

Advances

transaction fees.

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.

Amendment (Changes) and Assignment

Termination

Interest Charge 

and Transaction 

Costs: Interest Charge (Average Daily Balance for Balance

Transfers x no. days in Billing Period x DPR) + Balance

Fees for Balance 

Transfer transaction fees.

Transfers

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 

Cost: Interest Charge (Average Daily Balance for 

Promotional Balances x no. days in Billing Period x 

Balances

Promotional Rate DPR)

SunTrust may from time to time offer You a Promotional Rate on certain 

Purchases or Balance Transfers through Promotional Offers. If You accept a 

Promotional Offer, the resulting Promotional Balance will be subject to the 

terms of that specific Promotional Offer and this Agreement. In each Promotional 

Balance program, any new or different terms of the program not disclosed in this 

Agreement (such as the APR, effective dates and other special terms) will be 

detailed in the Promotional Offer.

The DPR Interest Charge is the Average Daily Balance on Promotional Balances

multiplied by (1) the number of days in the Billing Period and (2) the applicable DPR.

The Promotional Rate will apply to those Promotional Balances until the 

Promotional Offer Termination Date. A Promotional Balance will not, after the 

Termination Date, be eligible for another Promotional Rate.

After the Termination Date, Your Promotional Rate will change to Your regular 

Purchases DPR, unless disclosed otherwise in the Promotional Offer. If the reason 

for the Termination Date is a Delinquency Triggering Event, SunTrust will change 

the DPR that applies to Your new and outstanding Promotional Balances to the 

Purchase DPR and corresponding APR, after SunTrust provides You any notice 

required by applicable law.

Minimum Interest Charge

If You incur Interest Charges in any Billing Period, a minimum Interest Charge

will post to Your Account (such minimum Interest Charge shown as the “Minimum

Interest Charge” on Your Statement). If You incur Interest Charges in any Billing

Period, the Minimum Interest Charge will be no less than the amount disclosed in

the Card Mailer. SunTrust may allocate the Minimum Interest Charge among Your

various Balances in the manner that SunTrust elects as permitted by applicable law.

Foreign Currency Exchange for Non-US Transactions

All Purchase and Cash Advance transactions processed in a foreign currency will 

be converted to U.S. dollars under the regulations of the Card Association before 

being charged to Your Account. (The exchange rate that the Card Association uses 

to convert currency is a rate the Card Association selects either from the range 

of rates available in the wholesale currency markets for the applicable processing 

date (which rate may vary from the rate the Card Association itself receives) or 

the government-mandated rate in effect on the applicable processing date.)

Conversion may occur on a date other than the date of the transaction or the date

the transaction is posted to Your Statement, which may affect the conversion rate

used. If a Credit transaction is processed and has a processing date different than

the original transaction, then the exchange rate of the Credit can be greater/less

than that of the original transaction.

If Your Account has a foreign currency transaction fee, it will be shown on Your 

Card Mailer and will be calculated after each Purchase transaction has been 

converted from a foreign currency.

Other Charges

Late Payment Fee. Unless Your Account is exempt from Late Payment fees, 

if SunTrust has not received at least the Minimum Payment by its Due Date as 

shown on a Statement, SunTrust will add a Late Payment fee to Your Purchase 

Balance based on the New Balance outstanding as of the Closing Date for the 

Statement. The Late Payment fee is stated on the Card Mailer.

Annual Fee. If Your Account has an annual fee, it will be shown on the Card Mailer, 

and SunTrust will add the annual fee to Your Purchase Balance. If an annual

fee is applicable to Your Account, SunTrust will provide You with notice of that

annual fee in the manner required by law and explain how You may terminate

Credit availability under the Account to avoid paying any such annual fee. If You

do not terminate the Account, the terms disclosed will continue to apply.

Returned Payment Fee. Unless Your Account is exempt from Returned

Payment fees, SunTrust will add a Returned Payment fee to Your Purchase

Balance if (1) a payment that You make or authorize is returned to SunTrust

unpaid (for example, if a check or an electronic funds transfer to SunTrust is 

returned for insufficient funds or is returned because it is not signed or cannot

be processed for any reason); or (2) any Balance Transfer, Cash Advance, 

or Promotional Balance check is dishonored for any reason. This fee may

be imposed even if Your payment is later re-presented to and paid by Your

financial institution. The Returned Payment fee is stated on the Card Mailer.

Stop Payment Fee. SunTrust will add a $39.00 stop payment fee to Your 

Purchase Balance if You ask SunTrust to stop payment on any Convenience 

Check drawn on Your Account or on any Balance Transfer request.

Documentation Fee. SunTrust will provide copies of Items to You upon request. 

If You request copies of more than two Items during a Billing Period, SunTrust

will add a fee to Your Purchase Balance up to $5.00 for each additional copy 

unless prohibited by applicable law. SunTrust will not impose any fee if Your

request is made in connection with written notice of a billing error.

Overdraft Protection

If You elect to link Your SunTrust eligible Consumer Checking Account, Savings 

Account or Money Market Savings Account to this SunTrust Credit Card for 

overdraft protection (the “Protected Account”), funds will be transferred from 

Your Credit Card Account (the “Protector Account”) into Your Protected 

Account when checks, bill pay, or other debit transactions would cause Your

Protected Account to be overdrawn if those transactions are paid. 

Transfers will be made in $100 increments from the Protector Account to Your

Protected Account. These transfers shall be considered a “Cash Advance” as 

that term is defined under Your Credit Card Account Agreement. Fees and 

interest rates for Cash Advances are disclosed to clients in their Credit Card 

Account Agreement and may be higher than those associated with other Credit 

Card transactions. There is no Grace Period for Cash Advances, meaning finance 

charges will accrue from the date the Cash Advance is posted to Your Credit Card 

Account. If the available Credit on Your Credit Card Account (i.e. Credit Limit 

or the available Cash Advance limit) is insufficient to cover the entire overdraft, 

we may make transfers to pay individual debit Items up to the available accessible 

Credit on Your Credit Card Account. For example, if Your deposit Account has 

a Balance of $10.00 and a check or other debit item for $80.00 is presented for 

payment, which if paid would cause Your deposit Account to be overdrawn, a 

transfer of $100 will be made from Your Credit Card Account to Your deposit 

Account and an overdraft protection Cash Advance of $100 will post to this 

Account. We will also charge an additional Overdraft Protection transfer fee 

to Your Protected Account for each day a transfer is made, as disclosed in the 

Personal Deposit Accounts Fee Schedule. 

Be advised that we reserve the right to not initiate transfers to cover overdrafts 

and to return the debit item(s) for non-sufficient funds. By way of example only, 

we ordinarily will not initiate an overdraft transfer or advance funds as a Cash 

Advance under the following circumstances: (i) if You are in Default under Your 

Credit Card Account Agreement; (ii) if the Cash Advance would cause You to 

exceed the available Credit for a given transaction; (iii) if Your Credit Card is in a 

closed or blocked status (e.g. due to fraud); (iv) if You fail to make a Credit Card

payment by its Due Date; and/or (v) if You exceed any Credit Card limit on Your 

Credit Card Account. In these instances, an overdraft or returned item fee for 

each debited item will be charged to the Protected Account, which is disclosed in 

the Personal Deposit Accounts Fee Schedule. 

Overdraft protection is only available for active Credit Card Accounts, but be 

advised that linking a deposit Account to a Credit Card does not automatically 

activate that Card. Conversely, cancelling overdraft protection will not cancel a 

Credit Card.

A Cash Advance transfer to the Protected Account due to overdraft protection 

will not activate Your Credit Card. Cancelling overdraft protection will not 

close Your Credit Card. However, closing a Credit Card Account will cancel the 

overdraft protection service.

Payments

What You Pay, When, How, and what happens if You pay late

SunTrust will send Your Statement to the address that the Bank has on file for 

You. You agree to pay all Authorized Charges on the Statement. You have the 

option of paying in full the New Balance shown on each Statement or paying in 

installments that at least equal the amount of the Minimum Payment shown on 

Your Statement.

In either case, the payment Due Date will be at least 25 days after the Closing 

Date. The Minimum Payment will include any amount past due or over the Credit 

Limit plus the greater of (1) $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.

IMPORTANT NOTICE: In accordance with applicable law, SunTrust may unilaterally

change the APRs, Other Charges, and other terms of this Agreement at any time.

This includes modifications, deletions and the addition of new provisions, including 

non-financial provisions (for example, SunTrust may add provisions relating to 

SunTrust’s enforcement rights or the resolution of claims and disputes). SunTrust

will send You notice in accordance with the communication method (in writing or 

via posting of updated Agreement terms at www.suntrust.com/personal-banking/

credit-cards) and in the time and manner required by law for the changes that

SunTrust intends to make to Your Account and this Agreement. Changes will 

be automatically effective on the date SunTrust specifies, except as otherwise 

provided in any change in terms notice SunTrust provides. Use of Your Account

is not necessary for a change in terms to be effective. You will have the right to 

reject certain changes and pay off Your Account in the same manner and under 

the same terms and conditions as then in effect, as described in any change 

in terms notice SunTrust provides and as required by applicable law. SunTrust

may terminate or suspend Your ability to use the Account if You reject certain 

changes, to the extent permitted by applicable law and as described in any 

change in terms notice that SunTrust provides. SunTrust has the right to Assign 

SunTrust’s rights under this Agreement and any amount You owe to SunTrust. You

do not have the right to assign or transfer Your rights under this Agreement.

Additional Information

Your liability for unauthorized use of the Card

To report a lost/stolen Card call: 866.732.1683. State that You are reporting a 

lost/stolen Card. You must notify the Bank promptly in the event of loss, theft, 

or unauthorized use of Your Card. This notification responsibility means that 

You should regularly check Your Statements to review charges that post to Your 

Account to confirm that unauthorized charges have not posted to Your Account.

You may be liable for the unauthorized use of Your Card. If unauthorized use of 

Your Account occurs, You agree to cooperate with SunTrust and law enforcement 

authorities in identifying the unauthorized user. However, You will not be liable 

for unauthorized use that occurs after You notify SunTrust orally or in writing of 

the loss, theft, or possible unauthorized use. In any case, Your liability will not 

exceed $50 for each occurrence of loss or theft or any lesser amount required by 

applicable law or the requirements of the Card Association. You may write to 

SunTrust at: Cardholder Services, P.O. Box 621569, Orlando, FL 32862-1569.

Ownership of the Card

Your Card and any Convenience Checks or other Credit instrument or device that

SunTrust provides to You are SunTrust’s property and must be returned to SunTrust

or SunTrust’s agent immediately upon demand. At SunTrust’s request You will

destroy Your Card, other Credit instruments or devices and/or special checks, by

cutting them in half and surrendering those items to SunTrust or SunTrust’s agent by

mailing them to SunTrust or dropping them off at SunTrust’s office.

Credit Limits, Authorization, and Convenience Checks

Unless Your Account type or SunTrust permits You to exceed Your Credit Limit, 

You agree to not exceed the Credit Limit that SunTrust establishes for You, but 

if You do, You agree to pay the over Credit Limit amount as part of Your next 

Minimum Payment. SunTrust may raise or lower Your Credit Limit at SunTrust’s

discretion, as permitted by applicable law. SunTrust is not liable to You for 

decreases that affect Your Credit Limit or spending limits. Each of You may 

request an increase to the Credit Limit of a joint Account. If You were required to 

have a joint Account because one of You was less than 21 years of age when Your 

Account was opened and that individual remains less than 21 years of age when 

SunTrust considers raising the Credit Limit of Your joint Account, SunTrust will 

not increase the Credit Limit until all of You approve and assume in writing joint 

liability for an increase to the Credit Limit of the joint Account. SunTrust may 

establish separate limits that restrict the amount of the Credit Limit available 

for Cash Advances or Balance Transfers. SunTrust may decline authorization for 

any transaction at any time. SunTrust is not liable for declining authorization for 

any transaction, regardless of SunTrust’s reason. All transactions on Your Account

are subject to approval based upon Your Account status, available Credit, credit 

history and other factors. You may not stop the payment of any Card transaction.

SunTrust may reject and return unpaid any Convenience Check that You write for

any reason. You must pay SunTrust for any Convenience Check that SunTrust pays,

even if SunTrust were permitted to reject and return the Convenience Check, 

unless the Convenience Check constitutes unauthorized use. SunTrust may refuse 

to issue Convenience Checks or, upon notice to You, refuse to permit the use 

of Convenience Checks already issued. You may call SunTrust at 800.477.9702

to place a stop payment on an unpaid Convenience Check. SunTrust will charge 

the stop payment fee. You must provide SunTrust the date, amount, name of 

payee, and the number of the Convenience Check. If any information You provide 

is incorrect or if You do not afford SunTrust a reasonable opportunity to act on 

Your request, SunTrust may not be able to stop payment. Once a Convenience 

Check has been paid, SunTrust will not be able to reverse the payment. Your stop 

payment request will remain valid for 6 months. You must renew Your request 

before it expires if You want SunTrust to continue honoring the stop payment 

request after the initial 6 month period. You agree to hold harmless and indemnify 

SunTrust from any losses, expenses and costs, including attorneys’ fees incurred 

by SunTrust, for preventing or failing to prevent payment.

Individual Liability

You, as a Cardholder, are liable for all Credit obtained under Your Account(s), 

whether obtained by You, another Cardholder or an Authorized User of the 

Account. If there is more than one Cardholder on the Account, each of You

is liable, jointly and severally, for all Credit obtained under the Account(s), 

regardless of which of You obtains that Credit or benefits from it.

Either You or SunTrust may terminate this Agreement or suspend Your Credit

privileges under this Agreement at any time, with or without cause. You will 

not try to make any Purchases or Balance Transfers or try to obtain any Cash 

Advances or Overdraft Advances on Your Account after Your Credit privileges 

have been terminated or suspended. However, this Agreement will otherwise 

remain in full force and effect until You pay all sums due SunTrust.

Applicable Law

Applicable Law. Except as expressly set forth in the Arbitration Provision of this 

Agreement, this Agreement and the interpretation and enforcement thereof 

(including but not limited to the exportation of interest rates) will be governed 

by Federal law applicable to SunTrust and, to the extent not preempted by 

Federal law, the laws of the State of Georgia without regard to its conflicts of law 

provisions and principles. If there is any conflict between any of the terms and 

conditions of this Agreement and applicable Federal or State law, this Agreement

will be considered changed to the extent necessary to comply with the applicable 

law. You agree that all terms of this Agreement are material to the determination 

of interest. SunTrust accepts this Agreement in its home state, Georgia.

Military Lending Act

The Military Lending Act provides protections for certain members of the Armed 

Forces and their dependents (“Covered Borrowers”). The provisions of this section 

apply to Covered Borrowers under the Military Lending Act. If you would like 

more information about whether you are a Covered Borrower and whether this 

section applies to you, please contact us at 1-844-310-5891. Statement of MAPR. 

Federal law provides important protections to members of the Armed Forces and 

their dependents relating to extensions of consumer credit. In general, the cost 

of consumer credit to a member of the Armed Forces and his or her dependent 

may not exceed an Annual Percentage Rate of 36%. This rate must include, as 

applicable to the credit transaction or account: (1) the costs associated with credit 

insurance premiums; (2) fees for ancillary products sold in connection with the 

credit transaction; (3) any application fee charged (other than certain application 

fees for specified credit transactions or accounts); and (4) any participation 

fee charged (other than certain participation fees for a credit card account). 

Oral Disclosures. In order to hear important Military Lending Act disclosures 

and payment information provided in this Note, please call 1-844-310-5891. 

Applicability of Jury Trial Waiver, Class Action Waiver, and Arbitration Provision. 

The Jury Trial Waiver, Class Action Waiver, and Arbitration Provision set forth in this 

Note do not apply to Covered Borrowers under the Military Lending Act.

Jury Trial Waiver

UNLESS YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT AND TO 

THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED 

TO ARBITRATION, YOU AND SUNTRUST HEREBY KNOWINGLY, VOLUNTARILY, 

INTENTIONALLY AND IRREVOCABLY WAIVE THE RIGHT TO A TRIAL BY JURY WITH 

RESPECT TO ANY LITIGATION ARISING OUT OF THIS AGREEMENT, RELATING TO THE 

CREDIT, OR ANY OTHER DISPUTE OR CONTROVERSY BETWEEN YOU AND SUNTRUST.

Class Action Waiver

UNLESS YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT AND TO 

THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED TO 

ARBITRATION, YOU AND SUNTRUST HEREBY AGREE THAT ANY LITIGATION ARISING 

OUT OF THIS AGREEMENT, RELATING TO THE ACCOUNT, OR ANY OTHER DISPUTE 

OR CONTROVERSY BETWEEN YOU AND SUNTRUST WILL PROCEED ON AN INDIVIDUAL

BASIS AND WILL NOT PROCEED AS PART OF A CLASS ACTION AND THAT YOU AND 

SUNTRUST HEREBY KNOWINGLY, VOLUNTARILY, INTENTIONALLY AND IRREVOCABLY

WAIVE ANY RIGHT TO PROCEED IN A CLASS ACTION OR TO SERVE AS A CLASS 

REPRESENTATIVE.

Other Products and Services

SunTrust will, at Your request, arrange for an overnight courier to deliver 

additional or replacement Cards on an expedited basis. The charge assessed by the 

overnight courier will be added to Your Account Balance. From time to time, new

products, optional services or enhancements (for example, insurance or Card

registration) may be offered on Your Account. SunTrust is not liable for these 

features, services and enhancements, when they are the responsibility of a 

third party provider. You agree to hold SunTrust harmless from any claims, 

actions or damages resulting from Your use of any of these features, services or 

enhancements, when permitted by applicable law. SunTrust reserves the right to 

adjust, add, or delete benefits and services at any time.

Credit Inquiries

You authorize SunTrust to make or have made any credit, employment, and 

investigative inquiries that SunTrust deems appropriate related to the extension 

or collection of Credit under the Account. If You dispute credit information 

SunTrust is reporting about You, You may notify SunTrust at Cardholder Services, 

Attention: Dispute Department, P.O. Box 620548, Orlando, FL 32862-0548.

Consumer Reporting Agencies (Credit Bureaus)

It is standard banking industry practice and within federal and state law for SunTrust

routinely to provide data about customer loan repayment and transactions to

consumer reporting agencies and other creditors. SunTrust may report information

about Your Account(s) to credit bureaus. Late Payments, missed payments, or

other Defaults on Your Account(s) may be reflected in Your credit report.

Sharing of Information

SunTrust may, to the extent and in the manner permitted by applicable law, 

communicate information about SunTrust’s experiences and transactions with 

You to consumer reporting agencies, SunTrust’s affiliates, and others who may 

properly receive that information. You may refer to SunTrust’s Privacy Statement 

for more details about how SunTrust collects, uses, retains, discloses, and 

safeguards information about You and Your Account. SunTrust’s Privacy Statement 

is provided when consumer Cardholders establish a customer relationship with 

SunTrust, once each year while Cardholders maintain a customer relationship 

with SunTrust, and at other times required by law. You may request an additional 

copy of SunTrust’s Privacy Statement by calling SunTrust at 866.732.1683

or sending a written request to SunTrust at Cardholder Services, Attention: 

Customer Service, P.O. Box 621629, Orlando, FL 32862-1629.

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.

The invalidity of any provision of the Agreement will not affect the validity of any 

Waiver

Severability

other provision.

Entire Agreement

This Agreement, as modified from time to time in accordance with applicable law

by any change in terms that SunTrust will deliver to You (in writing or via update

to Agreement terms that are published at www.suntrust.com/personal-banking/

credit-cards), constitutes the entire Agreement between You and SunTrust, and

supersedes any prior negotiation or understanding between You and SunTrust

concerning the subject matter of this Agreement. Section headings are for

convenience only and are to be disregarded when interpreting this Agreement.

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 Provision

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.

THIS ARBITRATION PROVISION DOES NOT APPLY IF, AS OF THE DATE OF THIS 

AGREEMENT, YOU ARE A COVERED BORROWER UNDER THE FEDERAL MILITARY

LENDING ACT. IF YOU WOULD LIKE MORE INFORMATION ABOUT WHETHER YOU 

ARE COVERED BY THE MILITARY LENDING ACT, IN WHICH CASE THIS ARBITRATION 

PROVISION DOES NOT APPLY TO YOU, PLEASE CONTACT US AT 1-844-310-5891. 

YOU HAVE THE RIGHT TO REJECT THIS ARBITRATION PROVISION AS SET FORTH 

BELOW. If You do not reject this Arbitration Provision, for a Claim subject to 

arbitration, neither You nor SunTrust will have the right to: (1) have a court 

or a jury decide the Claim; (2) engage in information-gathering (discovery) 

to the same extent as in court; (3) participate in a class action in court or in 

arbitration; or (4) join or consolidate Your Claim(s) with claims of any other 

person. The right to appeal is more limited in arbitration than in court and 

other rights in court may be unavailable or limited in arbitration.

P-1786

Rev. 9/17

What other 
important terms 
exist in the CA?

CREDIT CARD ACCOUNT AGREEMENT

Table of Contents

SUMMARY OF KEY TERMS

Amendment (Changes) and Assignment 

AGREEMENT TERMS

Additional Information

Costs

Overdraft Protection

Payments

Arbitration

Your Billing Rights

Definitions

Card Account 

Agreement (CA)

SUMMARY OF 

KEY TERMS

Each bolded word or phrase is defined in the definitions 

section at the end of this Agreement. A copy of the 

Agreement may be found online at www.suntrust.com/

personal-banking/credit-cards.

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 sign the 

Card or (2) You or an Authorized User use(s) the Card or 

Account, thus obtaining Credit from SunTrust.

What types of 

transactions 

• You may use Your Card/Account to make legal Purchases, 

Cash Advances, Overdraft Advances and Balance 

might You make 

Transfers. You are responsible for transactions that You, 

other Cardholders, and Authorized Users make, whether 

with the Card/

Account and 

how are these 

transactions 

itemized on Your 

bill each month?

What You Pay, 

when, how, and 

what happens if 

You pay late?

How will 

SunTrust apply 

Your payments?

the transactions are legal or not.

• Each type of transaction has different associated costs 

and terms; each transaction type and associated costs are 

grouped together and detailed in Your monthly Statement 

(Card Account bill) by transaction type. The combined 

outstanding amount of each transaction type is Your New 

Balance due on Your Account each month (Billing Period). 

You must pay all Interest Charges, fees, and Other 

Charges properly charged to Your Account.

• SunTrust will send You a monthly Statement (bill). You 

agree to pay all Authorized Charges on the Statement. 

You have the option of paying in full the New Balance 

shown on each Statement or paying in installments that 

at least equal the amount of the Minimum Payment 

shown on Your Statement. In either case, the payment 

Due Date will be at least 25 days after the Closing Date 

of Your Statement.

• The Minimum Payment will include any amount past due 

or over Your Credit Limit plus the greater of (1) $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.

What other 

Your liability for unauthorized use of the Card – what to 

important terms 

do/what happens if Your Card is stolen.

exist in the CA?

Interest Charges 
and Transaction 
Fees in General:

Interest Rates 
and Interest 
Charges based 
upon Credit 
Inquiries:

Cost on 
Purchases: 
SunTrust 
will charge 
the Interest 
Charge (unless 
inapplicable 
because of the 
Grace Period) on 
Your Purchases 
from the 
transaction date.

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.

Credit Limits, Authorization, and Convenience Checks – 
spending limits/transaction authorization.
Individual Liability – each Cardholder is individually and 
jointly liable for all Authorized Charges.
Termination – You or SunTrust can terminate or suspend 
Your Credit at any time with/without cause.
Sharing of Information – how SunTrust safeguards your 
information/how-when SunTrust may disclose Your information 
to others; refers to SunTrust’s Privacy Statement.
Arbitration – the way in which You and SunTrust agree to 
resolve claims; You have the right to opt out of arbitration 
as the agreed upon claims resolution method.
Billing Dispute Rights – details Your rights if You dispute 
charges/are not satisfied with good/services You procure 
from merchants using Your Card/Account.
Defined Terms – defines all essential terms used in the CA.

SunTrust calculates Interest Charges using the Average 
Daily Balance (including new transactions) method. 
SunTrust also uses compounded interest in calculating 
Interest Charges. Compounded interest means that interest 
is added to the principal that You owe and interest then 
applied each successive Billing Period on the outstanding 
Balance and new charges. [See the Card Mailer for 
disclosure of APRs, corresponding DPRs (Daily Periodic 
Rate), Minimum Interest Charge, transaction fees, and 
Other Charges.]

Your eligibility for Credit, initial and on-going Interest 
Rates, and other CA terms may vary based upon Your 
credit worthiness. You authorize SunTrust to make or 
have made any credit, employment, and investigative 
inquiries about You that SunTrust deems appropriate 
about: (1) whether SunTrust will provide You with a Card 
Account and if so at what rates/terms, (2) modifications 
to Your Card Account rates/terms while You maintain the 
Account, or (3) collection of Credit under Your Account 
and other permissible purposes as the law allows.

• Any Purchase Balance not paid by the Due Date on the 

Statement will incur an Interest Charge on the following 
month’s Statement.

• The cost for Purchases (DPR Interest Charge, when 

it applies) is the Average Daily Balance on Purchases 
multiplied by (1) the number of days in the Billing Period 
and (2) the applicable DPR.

• You will have a Grace Period on any new Purchases that 

are reflected for the first time on Your current Statement 
if You pay Your New Balance on time each Billing Period. 
Those new Purchases will not be subject to an Interest 
Charge during the Billing Period reflected in the current 
Statement if You satisfy the conditions for applicability of 
the Grace Period.

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.

Costs on Balance 

• The costs for Balance Transfers consist of (1) interest 

Any reason

None

Increase or 

decrease to 

Credit Limit

Transfers: 

When SunTrust 

provides You a 

Balance Transfer 

check or Balance 

Transfer request 

form or when You 

request a Balance 

Transfer, SunTrust 

will charge the 

Interest Charge 

on Your Balance 

Transfer from the 

date it is posted 

to Your Account.

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.

Foreign Currency 

• All Purchase and Cash Advance transactions processed in 

Exchange on

Non-US 

Transactions:

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 

Other Charges:

Late Payment Fee. Unless Your Account is exempt from 

Your Account.

• If Your Account has a foreign currency transaction fee, it 

will be shown on the Card Mailer.

• Conversion may occur on a date other than the date of the 

transaction or the date the transaction is posted to Your 

Statement, which may affect the conversion rate used. If 

a Credit transaction is processed and has a processing date 

different than the original transaction, then the exchange 

rate of the Credit can be greater/less than that of the 

original transaction.

Late Payment fees, if SunTrust has not received at least 

the Minimum Payment by its Due Date as shown on a 

Statement, SunTrust will add a Late Payment fee to Your 

Purchase Balance based on the New Balance outstanding 

as of the Closing Date for the Statement.

Annual Fee. If Your Account has an annual fee, it will be 

shown on the Card Mailer, and SunTrust will add the annual 

fee to Your Purchase Balance.

Returned Payment Fee. Unless Your Account is exempt 

from Returned Payment fees, SunTrust will add a Returned 

Payment fee to Your Purchase Balance if (1) a payment 

that You make or authorize is returned to SunTrust unpaid; 

or (2) any Balance Transfer, Cash Advance, or Promotional 

Balance check is dishonored for any reason. This fee may be 

imposed even if Your payment is later re-presented to and 

paid by Your financial institution.

Stop Payment Fee. SunTrust will add a $39.00 stop 

payment fee to Your Purchase Balance if You ask SunTrust 

to stop payment on any Convenience Check drawn on Your 

Account or on any Balance Transfer request.

Documentation Fee. SunTrust will provide copies of 

Statements, sales drafts, etc., to You upon request. If You 

request copies of more than two items during a Billing Period, 

SunTrust will add a fee to Your Purchase Balance up to $5.00 

for each additional copy unless prohibited by applicable law. 

SunTrust will not impose any fee if Your request is made in 

connection with written notice of a billing error.

Minimum Interest 

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).

SunTrust can change some of Your rates and other terms 

in accordance with applicable law. This table shows some 

possible changes.

Type of change

What may trigger 

Advance notice of change

Charges:

Changes

charges

Interest Rate 

In the first 

increase on new 

year, a 

Promotional Rate ends or Index Rate 

changes, no notice; otherwise, 45 days

Advances

Interest Rate 

increase on 

existing Balances

No notice requirement or per terms of the 

workout arrangement

change

Promotional 

Rate ends 

or the Index 

Rate changes; 

after that, any 

reason

Promotional 

period ends, 

Index Rate 

changes, or 

Your Account 

is in a workout 

arrangement

Some fees and 

other terms

Can change for 

Up to 45 days for certain fees and 

any reason

Minimum Payment changes

Card Account 

Agreement (CA)

SUMMARY OF 

KEY TERMS

Each bolded word or phrase is defined in the definitions 

section at the end of this Agreement. A copy of the 

Agreement may be found online at www.suntrust.com/

personal-banking/credit-cards.

Your Card Account Agreement with SunTrust starts and You agree to 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 

Cost: Interest Charge (Average Daily Balance for 

for Purchases

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.

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 

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 

Cost: Interest Charge (Average Daily Balance for Overdraft 

for Overdraft 

Advances x no. days in Billing Period x DPR)

Interest Charge 

and Transaction 

Fees for Cash 

Advances

transaction fees.

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.

Amendment (Changes) and Assignment

Termination

Interest Charge 

and Transaction 

Costs: Interest Charge (Average Daily Balance for Balance 

Transfers x no. days in Billing Period x DPR) + Balance 

Fees for Balance 

Transfer transaction fees.

Transfers

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 

Cost: Interest Charge (Average Daily Balance for 

Promotional Balances x no. days in Billing Period x 

Balances

Promotional Rate DPR)

SunTrust may from time to time offer You a Promotional Rate on certain 

Purchases or Balance Transfers through Promotional Offers. If You accept a 

Promotional Offer, the resulting Promotional Balance will be subject to the 

terms of that specific Promotional Offer and this Agreement. In each Promotional 

Balance program, any new or different terms of the program not disclosed in this 

Agreement (such as the APR, effective dates and other special terms) will be 

detailed in the Promotional Offer.

The DPR Interest Charge is the Average Daily Balance on Promotional Balances 

multiplied by (1) the number of days in the Billing Period and (2) the applicable DPR.

The Promotional Rate will apply to those Promotional Balances until the 

Promotional Offer Termination Date. A Promotional Balance will not, after the 

Termination Date, be eligible for another Promotional Rate.

After the Termination Date, Your Promotional Rate will change to Your regular 

Purchases DPR, unless disclosed otherwise in the Promotional Offer. If the reason 

for the Termination Date is a Delinquency Triggering Event, SunTrust will change 

the DPR that applies to Your new and outstanding Promotional Balances to the 

Purchase DPR and corresponding APR, after SunTrust provides You any notice 

required by applicable law.

Minimum Interest Charge

If You incur Interest Charges in any Billing Period, a minimum Interest Charge 

will post to Your Account (such minimum Interest Charge shown as the “Minimum 

Interest Charge” on Your Statement). If You incur Interest Charges in any Billing 

Period, the Minimum Interest Charge will be no less than the amount disclosed in 

the Card Mailer. SunTrust may allocate the Minimum Interest Charge among Your 

various Balances in the manner that SunTrust elects as permitted by applicable law.

Foreign Currency Exchange for Non-US Transactions

All Purchase and Cash Advance transactions processed in a foreign currency will 

be converted to U.S. dollars under the regulations of the Card Association before 

being charged to Your Account. (The exchange rate that the Card Association uses 

to convert currency is a rate the Card Association selects either from the range 

of rates available in the wholesale currency markets for the applicable processing 

date (which rate may vary from the rate the Card Association itself receives) or 

the government-mandated rate in effect on the applicable processing date.)

Conversion may occur on a date other than the date of the transaction or the date 

the transaction is posted to Your Statement, which may affect the conversion rate 

used. If a Credit transaction is processed and has a processing date different than 

the original transaction, then the exchange rate of the Credit can be greater/less 

than that of the original transaction.

If Your Account has a foreign currency transaction fee, it will be shown on Your 

Card Mailer and will be calculated after each Purchase transaction has been 

converted from a foreign currency.

Other Charges

Late Payment Fee. Unless Your Account is exempt from Late Payment fees, 

if SunTrust has not received at least the Minimum Payment by its Due Date as 

shown on a Statement, SunTrust will add a Late Payment fee to Your Purchase 

Balance based on the New Balance outstanding as of the Closing Date for the 

Statement. The Late Payment fee is stated on the Card Mailer.

Annual Fee. If Your Account has an annual fee, it will be shown on the Card Mailer, 

and SunTrust will add the annual fee to Your Purchase Balance. If an annual 

fee is applicable to Your Account, SunTrust will provide You with notice of that 

annual fee in the manner required by law and explain how You may terminate 

Credit availability under the Account to avoid paying any such annual fee. If You 

do not terminate the Account, the terms disclosed will continue to apply.

Returned Payment Fee. Unless Your Account is exempt from Returned 

Payment fees, SunTrust will add a Returned Payment fee to Your Purchase 

Balance if (1) a payment that You make or authorize is returned to SunTrust 

unpaid (for example, if a check or an electronic funds transfer to SunTrust is 

returned for insufficient funds or is returned because it is not signed or cannot 

be processed for any reason); or (2) any Balance Transfer, Cash Advance, 

or Promotional Balance check is dishonored for any reason. This fee may 

be imposed even if Your payment is later re-presented to and paid by Your 

financial institution. The Returned Payment fee is stated on the Card Mailer.

Stop Payment Fee. SunTrust will add a $39.00 stop payment fee to Your 

Purchase Balance if You ask SunTrust to stop payment on any Convenience 

Check drawn on Your Account or on any Balance Transfer request.

Documentation Fee. SunTrust will provide copies of Items to You upon request. 

If You request copies of more than two Items during a Billing Period, SunTrust 

will add a fee to Your Purchase Balance up to $5.00 for each additional copy 

unless prohibited by applicable law. SunTrust will not impose any fee if Your 

request is made in connection with written notice of a billing error.

Overdraft Protection

If You elect to link Your SunTrust eligible Consumer Checking Account, Savings 

Account or Money Market Savings Account to this SunTrust Credit Card for 

overdraft protection (the “Protected Account”), funds will be transferred from 

Your Credit Card Account (the “Protector Account”) into Your Protected 

Account when checks, bill pay, or other debit transactions would cause Your 

Protected Account to be overdrawn if those transactions are paid. 

Transfers will be made in $100 increments from the Protector Account to Your 

Protected Account. These transfers shall be considered a “Cash Advance” as 

that term is defined under Your Credit Card Account Agreement. Fees and 

interest rates for Cash Advances are disclosed to clients in their Credit Card 

Account Agreement and may be higher than those associated with other Credit 

Card transactions. There is no Grace Period for Cash Advances, meaning finance 

charges will accrue from the date the Cash Advance is posted to Your Credit Card 

Account. If the available Credit on Your Credit Card Account (i.e. Credit Limit 

or the available Cash Advance limit) is insufficient to cover the entire overdraft, 

we may make transfers to pay individual debit Items up to the available accessible 

Credit on Your Credit Card Account. For example, if Your deposit Account has 

a Balance of $10.00 and a check or other debit item for $80.00 is presented for 

payment, which if paid would cause Your deposit Account to be overdrawn, a 

transfer of $100 will be made from Your Credit Card Account to Your deposit 

Account and an overdraft protection Cash Advance of $100 will post to this 

Account. We will also charge an additional Overdraft Protection transfer fee 

to Your Protected Account for each day a transfer is made, as disclosed in the 

Personal Deposit Accounts Fee Schedule. 

Be advised that we reserve the right to not initiate transfers to cover overdrafts 

and to return the debit item(s) for non-sufficient funds. By way of example only, 

we ordinarily will not initiate an overdraft transfer or advance funds as a Cash 

Advance under the following circumstances: (i) if You are in Default under Your 

Credit Card Account Agreement; (ii) if the Cash Advance would cause You to 

exceed the available Credit for a given transaction; (iii) if Your Credit Card is in a 

closed or blocked status (e.g. due to fraud); (iv) if You fail to make a Credit Card 

payment by its Due Date; and/or (v) if You exceed any Credit Card limit on Your 

Credit Card Account. In these instances, an overdraft or returned item fee for 

each debited item will be charged to the Protected Account, which is disclosed in 

the Personal Deposit Accounts Fee Schedule. 

Overdraft protection is only available for active Credit Card Accounts, but be 

advised that linking a deposit Account to a Credit Card does not automatically 

activate that Card. Conversely, cancelling overdraft protection will not cancel a 

Credit Card.

A Cash Advance transfer to the Protected Account due to overdraft protection 

will not activate Your Credit Card. Cancelling overdraft protection will not 

close Your Credit Card. However, closing a Credit Card Account will cancel the 

overdraft protection service.

Payments

What You Pay, When, How, and what happens if You pay late

SunTrust will send Your Statement to the address that the Bank has on file for 

You. You agree to pay all Authorized Charges on the Statement. You have the 

option of paying in full the New Balance shown on each Statement or paying in 

installments that at least equal the amount of the Minimum Payment shown on 

Your Statement.

In either case, the payment Due Date will be at least 25 days after the Closing 

Date. The Minimum Payment will include any amount past due or over the Credit 

Limit plus the greater of (1) $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.

IMPORTANT NOTICE: In accordance with applicable law, SunTrust may unilaterally 

change the APRs, Other Charges, and other terms of this Agreement at any time. 

This includes modifications, deletions and the addition of new provisions, including 

non-financial provisions (for example, SunTrust may add provisions relating to 

SunTrust’s enforcement rights or the resolution of claims and disputes). SunTrust 

will send You notice in accordance with the communication method (in writing or 

via posting of updated Agreement terms at www.suntrust.com/personal-banking/

credit-cards) and in the time and manner required by law for the changes that 

SunTrust intends to make to Your Account and this Agreement. Changes will 

be automatically effective on the date SunTrust specifies, except as otherwise 

provided in any change in terms notice SunTrust provides. Use of Your Account 

is not necessary for a change in terms to be effective. You will have the right to 

reject certain changes and pay off Your Account in the same manner and under 

the same terms and conditions as then in effect, as described in any change 

in terms notice SunTrust provides and as required by applicable law. SunTrust 

may terminate or suspend Your ability to use the Account if You reject certain 

changes, to the extent permitted by applicable law and as described in any 

change in terms notice that SunTrust provides. SunTrust has the right to Assign 

SunTrust’s rights under this Agreement and any amount You owe to SunTrust. You 

do not have the right to assign or transfer Your rights under this Agreement.

Additional Information

Your liability for unauthorized use of the Card

To report a lost/stolen Card call: 866.732.1683. State that You are reporting a 

lost/stolen Card. You must notify the Bank promptly in the event of loss, theft, 

or unauthorized use of Your Card. This notification responsibility means that 

You should regularly check Your Statements to review charges that post to Your 

Account to confirm that unauthorized charges have not posted to Your Account.

You may be liable for the unauthorized use of Your Card. If unauthorized use of 

Your Account occurs, You agree to cooperate with SunTrust and law enforcement 

authorities in identifying the unauthorized user. However, You will not be liable 

for unauthorized use that occurs after You notify SunTrust orally or in writing of 

the loss, theft, or possible unauthorized use. In any case, Your liability will not 

exceed $50 for each occurrence of loss or theft or any lesser amount required by 

applicable law or the requirements of the Card Association. You may write to 

SunTrust at: Cardholder Services, P.O. Box 621569, Orlando, FL 32862-1569.

Ownership of the Card

Your Card and any Convenience Checks or other Credit instrument or device that 

SunTrust provides to You are SunTrust’s property and must be returned to SunTrust 

or SunTrust’s agent immediately upon demand. At SunTrust’s request You will 

destroy Your Card, other Credit instruments or devices and/or special checks, by 

cutting them in half and surrendering those items to SunTrust or SunTrust’s agent by 

mailing them to SunTrust or dropping them off at SunTrust’s office.

Credit Limits, Authorization, and Convenience Checks

Unless Your Account type or SunTrust permits You to exceed Your Credit Limit, 

You agree to not exceed the Credit Limit that SunTrust establishes for You, but 

if You do, You agree to pay the over Credit Limit amount as part of Your next 

Minimum Payment. SunTrust may raise or lower Your Credit Limit at SunTrust’s 

discretion, as permitted by applicable law. SunTrust is not liable to You for 

decreases that affect Your Credit Limit or spending limits. Each of You may 

request an increase to the Credit Limit of a joint Account. If You were required to 

have a joint Account because one of You was less than 21 years of age when Your 

Account was opened and that individual remains less than 21 years of age when 

SunTrust considers raising the Credit Limit of Your joint Account, SunTrust will 

not increase the Credit Limit until all of You approve and assume in writing joint 

liability for an increase to the Credit Limit of the joint Account. SunTrust may 

establish separate limits that restrict the amount of the Credit Limit available 

for Cash Advances or Balance Transfers. SunTrust may decline authorization for 

any transaction at any time. SunTrust is not liable for declining authorization for 

any transaction, regardless of SunTrust’s reason. All transactions on Your Account 

are subject to approval based upon Your Account status, available Credit, credit 

history and other factors. You may not stop the payment of any Card transaction.

SunTrust may reject and return unpaid any Convenience Check that You write for 

any reason. You must pay SunTrust for any Convenience Check that SunTrust pays, 

even if SunTrust were permitted to reject and return the Convenience Check, 

unless the Convenience Check constitutes unauthorized use. SunTrust may refuse 

to issue Convenience Checks or, upon notice to You, refuse to permit the use 

of Convenience Checks already issued. You may call SunTrust at 800.477.9702 

to place a stop payment on an unpaid Convenience Check. SunTrust will charge 

the stop payment fee. You must provide SunTrust the date, amount, name of 

payee, and the number of the Convenience Check. If any information You provide 

is incorrect or if You do not afford SunTrust a reasonable opportunity to act on 

Your request, SunTrust may not be able to stop payment. Once a Convenience 

Check has been paid, SunTrust will not be able to reverse the payment. Your stop 

payment request will remain valid for 6 months. You must renew Your request 

before it expires if You want SunTrust to continue honoring the stop payment 

request after the initial 6 month period. You agree to hold harmless and indemnify 

SunTrust from any losses, expenses and costs, including attorneys’ fees incurred 

by SunTrust, for preventing or failing to prevent payment.

Individual Liability

You, as a Cardholder, are liable for all Credit obtained under Your Account(s), 

whether obtained by You, another Cardholder or an Authorized User of the 

Account. If there is more than one Cardholder on the Account, each of You 

is liable, jointly and severally, for all Credit obtained under the Account(s), 

regardless of which of You obtains that Credit or benefits from it.

Either You or SunTrust may terminate this Agreement or suspend Your Credit 

privileges under this Agreement at any time, with or without cause. You will 

not try to make any Purchases or Balance Transfers or try to obtain any Cash 

Advances or Overdraft Advances on Your Account after Your Credit privileges 

have been terminated or suspended. However, this Agreement will otherwise 

remain in full force and effect until You pay all sums due SunTrust.

Applicable Law

Applicable Law. Except as expressly set forth in the Arbitration Provision of this 

Agreement, this Agreement and the interpretation and enforcement thereof 

(including but not limited to the exportation of interest rates) will be governed 

by Federal law applicable to SunTrust and, to the extent not preempted by 

Federal law, the laws of the State of Georgia without regard to its conflicts of law 

provisions and principles. If there is any conflict between any of the terms and 

conditions of this Agreement and applicable Federal or State law, this Agreement 

will be considered changed to the extent necessary to comply with the applicable 

law. You agree that all terms of this Agreement are material to the determination 

of interest. SunTrust accepts this Agreement in its home state, Georgia.

Military Lending Act

The Military Lending Act provides protections for certain members of the Armed 

Forces and their dependents (“Covered Borrowers”). The provisions of this section 

apply to Covered Borrowers under the Military Lending Act. If you would like 

more information about whether you are a Covered Borrower and whether this 

section applies to you, please contact us at 1-844-310-5891. Statement of MAPR. 

Federal law provides important protections to members of the Armed Forces and 

their dependents relating to extensions of consumer credit. In general, the cost 

of consumer credit to a member of the Armed Forces and his or her dependent 

may not exceed an Annual Percentage Rate of 36%. This rate must include, as 

applicable to the credit transaction or account: (1) the costs associated with credit 

insurance premiums; (2) fees for ancillary products sold in connection with the 

credit transaction; (3) any application fee charged (other than certain application 

fees for specified credit transactions or accounts); and (4) any participation 

fee charged (other than certain participation fees for a credit card account). 

Oral Disclosures. In order to hear important Military Lending Act disclosures 

and payment information provided in this Note, please call 1-844-310-5891. 

Applicability of Jury Trial Waiver, Class Action Waiver, and Arbitration Provision. 

The Jury Trial Waiver, Class Action Waiver, and Arbitration Provision set forth in this 

Note do not apply to Covered Borrowers under the Military Lending Act.

Jury Trial Waiver

UNLESS YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT AND TO 

THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED 

TO ARBITRATION, YOU AND SUNTRUST HEREBY KNOWINGLY, VOLUNTARILY, 

INTENTIONALLY AND IRREVOCABLY WAIVE THE RIGHT TO A TRIAL BY JURY WITH 

RESPECT TO ANY LITIGATION ARISING OUT OF THIS AGREEMENT, RELATING TO THE 

CREDIT, OR ANY OTHER DISPUTE OR CONTROVERSY BETWEEN YOU AND SUNTRUST.

Class Action Waiver

UNLESS YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT AND TO 

THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED TO 

ARBITRATION, YOU AND SUNTRUST HEREBY AGREE THAT ANY LITIGATION ARISING 

OUT OF THIS AGREEMENT, RELATING TO THE ACCOUNT, OR ANY OTHER DISPUTE 

OR CONTROVERSY BETWEEN YOU AND SUNTRUST WILL PROCEED ON AN INDIVIDUAL 

BASIS AND WILL NOT PROCEED AS PART OF A CLASS ACTION AND THAT YOU AND 

SUNTRUST HEREBY KNOWINGLY, VOLUNTARILY, INTENTIONALLY AND IRREVOCABLY 

WAIVE ANY RIGHT TO PROCEED IN A CLASS ACTION OR TO SERVE AS A CLASS 

REPRESENTATIVE.

Other Products and Services

SunTrust will, at Your request, arrange for an overnight courier to deliver 

additional or replacement Cards on an expedited basis. The charge assessed by the 

overnight courier will be added to Your Account Balance. From time to time, new

products, optional services or enhancements (for example, insurance or Card 

registration) may be offered on Your Account. SunTrust is not liable for these 

features, services and enhancements, when they are the responsibility of a 

third party provider. You agree to hold SunTrust harmless from any claims, 

actions or damages resulting from Your use of any of these features, services or 

enhancements, when permitted by applicable law. SunTrust reserves the right to 

adjust, add, or delete benefits and services at any time.

Credit Inquiries

You authorize SunTrust to make or have made any credit, employment, and 

investigative inquiries that SunTrust deems appropriate related to the extension 

or collection of Credit under the Account. If You dispute credit information 

SunTrust is reporting about You, You may notify SunTrust at Cardholder Services, 

Attention: Dispute Department, P.O. Box 620548, Orlando, FL 32862-0548.

Consumer Reporting Agencies (Credit Bureaus)

It is standard banking industry practice and within federal and state law for SunTrust 

routinely to provide data about customer loan repayment and transactions to 

consumer reporting agencies and other creditors. SunTrust may report information 

about Your Account(s) to credit bureaus. Late Payments, missed payments, or 

other Defaults on Your Account(s) may be reflected in Your credit report.

Sharing of Information

SunTrust may, to the extent and in the manner permitted by applicable law, 

communicate information about SunTrust’s experiences and transactions with 

You to consumer reporting agencies, SunTrust’s affiliates, and others who may 

properly receive that information. You may refer to SunTrust’s Privacy Statement 

for more details about how SunTrust collects, uses, retains, discloses, and 

safeguards information about You and Your Account. SunTrust’s Privacy Statement 

is provided when consumer Cardholders establish a customer relationship with 

SunTrust, once each year while Cardholders maintain a customer relationship 

with SunTrust, and at other times required by law. You may request an additional 

copy of SunTrust’s Privacy Statement by calling SunTrust at 866.732.1683 

or sending a written request to SunTrust at Cardholder Services, Attention: 

Customer Service, P.O. Box 621629, Orlando, FL 32862-1629.

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.

The invalidity of any provision of the Agreement will not affect the validity of any 

Waiver

Severability

other provision.

Entire Agreement

This Agreement, as modified from time to time in accordance with applicable law 

by any change in terms that SunTrust will deliver to You (in writing or via update 

to Agreement terms that are published at www.suntrust.com/personal-banking/

credit-cards), constitutes the entire Agreement between You and SunTrust, and 

supersedes any prior negotiation or understanding between You and SunTrust 

concerning the subject matter of this Agreement. Section headings are for 

convenience only and are to be disregarded when interpreting this Agreement.

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 Provision

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.

THIS ARBITRATION PROVISION DOES NOT APPLY IF, AS OF THE DATE OF THIS 

AGREEMENT, YOU ARE A COVERED BORROWER UNDER THE FEDERAL MILITARY 

LENDING ACT. IF YOU WOULD LIKE MORE INFORMATION ABOUT WHETHER YOU 

ARE COVERED BY THE MILITARY LENDING ACT, IN WHICH CASE THIS ARBITRATION 

PROVISION DOES NOT APPLY TO YOU, PLEASE CONTACT US AT 1-844-310-5891. 

YOU HAVE THE RIGHT TO REJECT THIS ARBITRATION PROVISION AS SET FORTH 

BELOW. If You do not reject this Arbitration Provision, for a Claim subject to 

arbitration, neither You nor SunTrust will have the right to: (1) have a court 

or a jury decide the Claim; (2) engage in information-gathering (discovery) 

to the same extent as in court; (3) participate in a class action in court or in 

arbitration; or (4) join or consolidate Your Claim(s) with claims of any other 

person. The right to appeal is more limited in arbitration than in court and 

other rights in court may be unavailable or limited in arbitration.

P-1786

Rev. 9/17

What other 

important terms 

exist in the CA?

Credit Limits, Authorization, and Convenience Checks –

spending limits/transaction authorization.

Individual Liability – each Cardholder is individually and 

Interest Charges

and Transaction

Fees in General:

SunTrust calculates Interest Charges using the Average 

Daily Balance (including new transactions) method. 

SunTrust also uses compounded interest in calculating 

jointly liable for all Authorized Charges.

Termination – You or SunTrust can terminate or suspend 

Your Credit at any time with/without cause.

Sharing of Information – how SunTrust safeguards your 

information/how-when SunTrust may disclose Your information

to others; refers to SunTrust’s Privacy Statement.

Arbitration – the way in which You and SunTrust agree to 

resolve claims; You have the right to opt out of arbitration 

as the agreed upon claims resolution method.

Billing Dispute Rights – details Your rights if You dispute 

charges/are not satisfied with good/services You procure 

from merchants using Your Card/Account.

Defined Terms – defines all essential terms used in the CA.

Interest Charges. 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.

Interest Rates

and Interest

Charges based

upon Credit

Inquiries:

Cost on

Purchases:

SunTrust 

will charge 

the Interest 

Charge (unless 

inapplicable 

because of the 

Grace Period) on 

Your Purchases 

from the 

transaction date.

Costs on Cash

Advances:

SunTrust will 

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

charge the Interest

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.

Charge on Your 

Cash Advances 

from the date they

are posted to Your

Account.

Cost on Overdraft

The cost on Overdraft Advances (DPR Interest Charge) 

Advances:

is the Average Daily Balance on Overdraft Advances

SunTrust will charge

the Interest Charge

multiplied by (1) the number of days in the Billing Period

and (2) the applicable DPR. In accordance with its Rules and 

on Your Overdraft 

Regulations for Deposit Accounts, SunTrust will assess You

Advances from 

its usual deposit account fee for such service, separately, 

the date they are 

and as part of Your deposit Account fees. Overdraft 

posted to Your 

Advances do not have a Grace Period.

Account.

CREDIT CARD ACCOUNT AGREEMENT

Table of Contents

SUMMARY OF KEY TERMS

Amendment (Changes) and Assignment 

AGREEMENT TERMS

Additional Information

Costs

Overdraft Protection

Payments

Arbitration

Your Billing Rights

Definitions

Card Account 

Agreement (CA)

SUMMARY OF

KEY TERMS

Each bolded word or phrase is defined in the definitions

section at the end of this Agreement. A copy of the

Agreement may be found online at www.suntrust.com/

personal-banking/credit-cards.

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 sign the 

Card or (2) You or an Authorized User use(s) the Card or 

Account, thus obtaining Credit from SunTrust.

What types of 

transactions 

•You may use Your Card/Account to make legal Purchases, 

Cash Advances, Overdraft Advances and Balance 

might You make 

Transfers. You are responsible for transactions that You, 

other Cardholders, and Authorized Users make, whether 

with the Card/

Account and 

how are these 

transactions 

itemized on Your 

bill each month?

What You Pay, 

when, how, and 

what happens if 

You pay late?

How will

SunTrust apply 

Your payments?

the transactions are legal or not.

•Each type of transaction has different associated costs

and terms; each transaction type and associated costs are

grouped together and detailed in Your monthly Statement

(Card Account bill) by transaction type. The combined

outstanding amount of each transaction type is Your New

Balance due on Your Account each month (Billing Period).

You must pay all Interest Charges, fees, and Other

Charges properly charged to Your Account.

•SunTrust will send You a monthly Statement (bill). You

agree to pay all Authorized Charges on the Statement. 

You have the option of paying in full the New Balance

shown on each Statement or paying in installments that

at least equal the amount of the Minimum Payment

shown on Your Statement. In either case, the payment 

Due Date will be at least 25 days after the Closing Date

of Your Statement.

•The Minimum Payment will include any amount past due 

or over Your Credit Limit plus the greater of (1) $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.

What other 

Your liability for unauthorized use of the Card – what to 

important terms 

do/what happens if Your Card is stolen.

exist in the CA?

Costs on Balance 
Transfers: 
When SunTrust 
provides You a 
Balance Transfer 
check or Balance 
Transfer request 
form or when You 
request a Balance 
Transfer, SunTrust 
will charge the 
Interest Charge 
on Your Balance 
Transfer from the 
date it is posted 
to Your Account.

Foreign Currency 
Exchange on
Non-US 
Transactions:

Other Charges:

• The costs for Balance Transfers consist of (1) interest 
computed at the applicable DPR on the Average Daily 
Balance (for Balance Transfers) and (2) Balance Transfer 
transaction fees.

• The DPR Interest Charge is the Average Daily Balance on 
Balance Transfers multiplied by (1) the number of days in 
the Billing Period and (2) the applicable DPR.

• SunTrust may from time to time offer You Balance 

Transfer Promotional Offers with different Balance 
Transfer Interest Charges and transaction fees than the
Card Mailer terms. Those different Interest Charges and 
fees will be disclosed in the Balance Transfer Promotional
Offer. Unless SunTrust informs You otherwise, Balance 
Transfers do not have a Grace Period.

• All Purchase and Cash Advance transactions processed in 
a foreign currency will be converted to U.S. dollars under 
the regulations (which affect rate and actual date of the 
exchange) of the Card Association before being charged to 
Your Account.

• If Your Account has a foreign currency transaction fee, it 

will be shown on the Card Mailer.

• Conversion may occur on a date other than the date of the 
transaction or the date the transaction is posted to Your 
Statement, which may affect the conversion rate used. If 
a Credit transaction is processed and has a processing date 
different than the original transaction, then the exchange 
rate of the Credit can be greater/less than that of the 
original transaction.

Late Payment Fee. Unless Your Account is exempt from 
Late Payment fees, if SunTrust has not received at least 
the Minimum Payment by its Due Date as shown on a 
Statement, SunTrust will add a Late Payment fee to Your 
Purchase Balance based on the New Balance outstanding 
as of the Closing Date for the Statement.
Annual Fee. If Your Account has an annual fee, it will be 
shown on the Card Mailer, and SunTrust will add the annual 
fee to Your Purchase Balance.
Returned Payment Fee. Unless Your Account is exempt 
from Returned Payment fees, SunTrust will add a Returned 
Payment fee to Your Purchase Balance if (1) a payment 
that You make or authorize is returned to SunTrust unpaid; 
or (2) any Balance Transfer, Cash Advance, or Promotional 
Balance check is dishonored for any reason. This fee may be 
imposed even if Your payment is later re-presented to and 
paid by Your financial institution.
Stop Payment Fee. SunTrust will add a $39.00 stop 
payment fee to Your Purchase Balance if You ask SunTrust 
to stop payment on any Convenience Check drawn on Your 
Account or on any Balance Transfer request.
Documentation Fee. SunTrust will provide copies of 
Statements, sales drafts, etc., to You upon request. If You 
request copies of more than two items during a Billing Period, 
SunTrust will add a fee to Your Purchase Balance up to $5.00 
for each additional copy unless prohibited by applicable law. 
SunTrust will not impose any fee if Your request is made in 
connection with written notice of a billing error.

Minimum Interest 
Charges:

If You incur Interest Charges in any Billing Period, a 
minimum Interest Charge will post to Your Account (such 
minimum Interest Charge shown as the “Minimum Interest 
Charge” on Your Statement).

Changes

SunTrust can change some of Your rates and other terms 
in accordance with applicable law. This table shows some 
possible changes.

Type of change

What may trigger 
change

Advance notice of change

Interest Rate 
increase on new 
charges

Interest Rate 
increase on 
existing Balances

In the first 
year, a 
Promotional 
Rate ends 
or the Index 
Rate changes; 
after that, any 
reason

Promotional 
period ends, 
Index Rate 
changes, or 
Your Account 
is in a workout 
arrangement

Promotional Rate ends or Index Rate 
changes, no notice; otherwise, 45 days

Advances

No notice requirement or per terms of the 
workout arrangement

Increase or 

decrease to 

Credit Limit

Any reason

None

Some fees and 

other terms

Can change for 

Up to 45 days for certain fees and 

any reason

Minimum Payment changes

Card Account 

Agreement (CA)

SUMMARY OF

KEY TERMS

Each bolded word or phrase is defined in the definitions

section at the end of this Agreement. A copy of the

Agreement may be found online at www.suntrust.com/

personal-banking/credit-cards.

Your Card Account Agreement with SunTrust starts and You agree to 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 

Cost: Interest Charge (Average Daily Balance for 

for Purchases

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.

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

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 

Cost: Interest Charge (Average Daily Balance for Overdraft 

for Overdraft 

Advances x no. days in Billing Period x DPR)

Interest Charge 

and Transaction 

Fees for Cash 

Advances

transaction fees.

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 

Costs: Interest Charge (Average Daily Balance for Balance

Transfers x no. days in Billing Period x DPR) + Balance

Fees for Balance 

Transfer transaction fees.

Transfers

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 

Cost: Interest Charge (Average Daily Balance for 

Promotional Balances x no. days in Billing Period x 

Balances

Promotional Rate DPR)

SunTrust may from time to time offer You a Promotional Rate on certain 

Purchases or Balance Transfers through Promotional Offers. If You accept a 

Promotional Offer, the resulting Promotional Balance will be subject to the 

terms of that specific Promotional Offer and this Agreement. In each Promotional 

Balance program, any new or different terms of the program not disclosed in this 

Agreement (such as the APR, effective dates and other special terms) will be 

detailed in the Promotional Offer.

The DPR Interest Charge is the Average Daily Balance on Promotional Balances

multiplied by (1) the number of days in the Billing Period and (2) the applicable DPR.

The Promotional Rate will apply to those Promotional Balances until the 

Promotional Offer Termination Date. A Promotional Balance will not, after the 

Termination Date, be eligible for another Promotional Rate.

After the Termination Date, Your Promotional Rate will change to Your regular 

Purchases DPR, unless disclosed otherwise in the Promotional Offer. If the reason 

for the Termination Date is a Delinquency Triggering Event, SunTrust will change 

the DPR that applies to Your new and outstanding Promotional Balances to the 

Purchase DPR and corresponding APR, after SunTrust provides You any notice 

required by applicable law.

Minimum Interest Charge

If You incur Interest Charges in any Billing Period, a minimum Interest Charge

will post to Your Account (such minimum Interest Charge shown as the “Minimum

Interest Charge” on Your Statement). If You incur Interest Charges in any Billing

Period, the Minimum Interest Charge will be no less than the amount disclosed in

the Card Mailer. SunTrust may allocate the Minimum Interest Charge among Your

various Balances in the manner that SunTrust elects as permitted by applicable law.

Foreign Currency Exchange for Non-US Transactions

All Purchase and Cash Advance transactions processed in a foreign currency will 

be converted to U.S. dollars under the regulations of the Card Association before 

being charged to Your Account. (The exchange rate that the Card Association uses 

to convert currency is a rate the Card Association selects either from the range 

of rates available in the wholesale currency markets for the applicable processing 

date (which rate may vary from the rate the Card Association itself receives) or 

the government-mandated rate in effect on the applicable processing date.)

Conversion may occur on a date other than the date of the transaction or the date

the transaction is posted to Your Statement, which may affect the conversion rate

used. If a Credit transaction is processed and has a processing date different than

the original transaction, then the exchange rate of the Credit can be greater/less

than that of the original transaction.

If Your Account has a foreign currency transaction fee, it will be shown on Your 

Card Mailer and will be calculated after each Purchase transaction has been 

converted from a foreign currency.

Other Charges

Late Payment Fee. Unless Your Account is exempt from Late Payment fees, 

if SunTrust has not received at least the Minimum Payment by its Due Date as 

shown on a Statement, SunTrust will add a Late Payment fee to Your Purchase 

Balance based on the New Balance outstanding as of the Closing Date for the 

Statement. The Late Payment fee is stated on the Card Mailer.

Annual Fee. If Your Account has an annual fee, it will be shown on the Card Mailer, 

and SunTrust will add the annual fee to Your Purchase Balance. If an annual

fee is applicable to Your Account, SunTrust will provide You with notice of that

annual fee in the manner required by law and explain how You may terminate

Credit availability under the Account to avoid paying any such annual fee. If You

do not terminate the Account, the terms disclosed will continue to apply.

Returned Payment Fee. Unless Your Account is exempt from Returned

Payment fees, SunTrust will add a Returned Payment fee to Your Purchase

Balance if (1) a payment that You make or authorize is returned to SunTrust

unpaid (for example, if a check or an electronic funds transfer to SunTrust is 

returned for insufficient funds or is returned because it is not signed or cannot

be processed for any reason); or (2) any Balance Transfer, Cash Advance, 

or Promotional Balance check is dishonored for any reason. This fee may

be imposed even if Your payment is later re-presented to and paid by Your

financial institution. The Returned Payment fee is stated on the Card Mailer.

Stop Payment Fee. SunTrust will add a $39.00 stop payment fee to Your 

Purchase Balance if You ask SunTrust to stop payment on any Convenience 

Check drawn on Your Account or on any Balance Transfer request.

Documentation Fee. SunTrust will provide copies of Items to You upon request. 

If You request copies of more than two Items during a Billing Period, SunTrust

will add a fee to Your Purchase Balance up to $5.00 for each additional copy 

unless prohibited by applicable law. SunTrust will not impose any fee if Your

request is made in connection with written notice of a billing error.

Overdraft Protection

If You elect to link Your SunTrust eligible Consumer Checking Account, Savings 

Account or Money Market Savings Account to this SunTrust Credit Card for 

overdraft protection (the “Protected Account”), funds will be transferred from 

Your Credit Card Account (the “Protector Account”) into Your Protected 

Account when checks, bill pay, or other debit transactions would cause Your

Protected Account to be overdrawn if those transactions are paid. 

Transfers will be made in $100 increments from the Protector Account to Your

Protected Account. These transfers shall be considered a “Cash Advance” as 

that term is defined under Your Credit Card Account Agreement. Fees and 

interest rates for Cash Advances are disclosed to clients in their Credit Card 

Account Agreement and may be higher than those associated with other Credit 

Card transactions. There is no Grace Period for Cash Advances, meaning finance 

charges will accrue from the date the Cash Advance is posted to Your Credit Card 

Account. If the available Credit on Your Credit Card Account (i.e. Credit Limit 

or the available Cash Advance limit) is insufficient to cover the entire overdraft, 

we may make transfers to pay individual debit Items up to the available accessible 

Credit on Your Credit Card Account. For example, if Your deposit Account has 

a Balance of $10.00 and a check or other debit item for $80.00 is presented for 

payment, which if paid would cause Your deposit Account to be overdrawn, a 

transfer of $100 will be made from Your Credit Card Account to Your deposit 

Account and an overdraft protection Cash Advance of $100 will post to this 

Account. We will also charge an additional Overdraft Protection transfer fee 

to Your Protected Account for each day a transfer is made, as disclosed in the 

Personal Deposit Accounts Fee Schedule. 

Be advised that we reserve the right to not initiate transfers to cover overdrafts 

and to return the debit item(s) for non-sufficient funds. By way of example only, 

we ordinarily will not initiate an overdraft transfer or advance funds as a Cash 

Advance under the following circumstances: (i) if You are in Default under Your 

Credit Card Account Agreement; (ii) if the Cash Advance would cause You to 

exceed the available Credit for a given transaction; (iii) if Your Credit Card is in a 

closed or blocked status (e.g. due to fraud); (iv) if You fail to make a Credit Card

payment by its Due Date; and/or (v) if You exceed any Credit Card limit on Your 

Credit Card Account. In these instances, an overdraft or returned item fee for 

each debited item will be charged to the Protected Account, which is disclosed in 

the Personal Deposit Accounts Fee Schedule. 

Overdraft protection is only available for active Credit Card Accounts, but be 

advised that linking a deposit Account to a Credit Card does not automatically 

activate that Card. Conversely, cancelling overdraft protection will not cancel a 

Credit Card.

A Cash Advance transfer to the Protected Account due to overdraft protection 

will not activate Your Credit Card. Cancelling overdraft protection will not 

close Your Credit Card. However, closing a Credit Card Account will cancel the 

overdraft protection service.

Payments

What You Pay, When, How, and what happens if You pay late

SunTrust will send Your Statement to the address that the Bank has on file for 

You. You agree to pay all Authorized Charges on the Statement. You have the 

option of paying in full the New Balance shown on each Statement or paying in 

installments that at least equal the amount of the Minimum Payment shown on 

Your Statement.

In either case, the payment Due Date will be at least 25 days after the Closing 

Date. The Minimum Payment will include any amount past due or over the Credit 

Limit plus the greater of (1) $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

Amendment (Changes) and Assignment

Termination

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.

IMPORTANT NOTICE: In accordance with applicable law, SunTrust may unilaterally

change the APRs, Other Charges, and other terms of this Agreement at any time.

This includes modifications, deletions and the addition of new provisions, including 

non-financial provisions (for example, SunTrust may add provisions relating to 

SunTrust’s enforcement rights or the resolution of claims and disputes). SunTrust

will send You notice in accordance with the communication method (in writing or 

via posting of updated Agreement terms at www.suntrust.com/personal-banking/

credit-cards) and in the time and manner required by law for the changes that

SunTrust intends to make to Your Account and this Agreement. Changes will 

be automatically effective on the date SunTrust specifies, except as otherwise 

provided in any change in terms notice SunTrust provides. Use of Your Account

is not necessary for a change in terms to be effective. You will have the right to 

reject certain changes and pay off Your Account in the same manner and under 

the same terms and conditions as then in effect, as described in any change 

in terms notice SunTrust provides and as required by applicable law. SunTrust

may terminate or suspend Your ability to use the Account if You reject certain 

changes, to the extent permitted by applicable law and as described in any 

change in terms notice that SunTrust provides. SunTrust has the right to Assign 

SunTrust’s rights under this Agreement and any amount You owe to SunTrust. You

do not have the right to assign or transfer Your rights under this Agreement.

Additional Information

Your liability for unauthorized use of the Card

To report a lost/stolen Card call: 866.732.1683. State that You are reporting a 

lost/stolen Card. You must notify the Bank promptly in the event of loss, theft, 

or unauthorized use of Your Card. This notification responsibility means that 

You should regularly check Your Statements to review charges that post to Your 

Account to confirm that unauthorized charges have not posted to Your Account.

You may be liable for the unauthorized use of Your Card. If unauthorized use of 

Your Account occurs, You agree to cooperate with SunTrust and law enforcement 

authorities in identifying the unauthorized user. However, You will not be liable 

for unauthorized use that occurs after You notify SunTrust orally or in writing of 

the loss, theft, or possible unauthorized use. In any case, Your liability will not 

exceed $50 for each occurrence of loss or theft or any lesser amount required by 

applicable law or the requirements of the Card Association. You may write to 

SunTrust at: Cardholder Services, P.O. Box 621569, Orlando, FL 32862-1569.

Ownership of the Card

Your Card and any Convenience Checks or other Credit instrument or device that

SunTrust provides to You are SunTrust’s property and must be returned to SunTrust

or SunTrust’s agent immediately upon demand. At SunTrust’s request You will

destroy Your Card, other Credit instruments or devices and/or special checks, by

cutting them in half and surrendering those items to SunTrust or SunTrust’s agent by

mailing them to SunTrust or dropping them off at SunTrust’s office.

Credit Limits, Authorization, and Convenience Checks

Unless Your Account type or SunTrust permits You to exceed Your Credit Limit, 

You agree to not exceed the Credit Limit that SunTrust establishes for You, but 

if You do, You agree to pay the over Credit Limit amount as part of Your next 

Minimum Payment. SunTrust may raise or lower Your Credit Limit at SunTrust’s

discretion, as permitted by applicable law. SunTrust is not liable to You for 

decreases that affect Your Credit Limit or spending limits. Each of You may 

request an increase to the Credit Limit of a joint Account. If You were required to 

have a joint Account because one of You was less than 21 years of age when Your 

Account was opened and that individual remains less than 21 years of age when 

SunTrust considers raising the Credit Limit of Your joint Account, SunTrust will 

not increase the Credit Limit until all of You approve and assume in writing joint 

liability for an increase to the Credit Limit of the joint Account. SunTrust may 

establish separate limits that restrict the amount of the Credit Limit available 

for Cash Advances or Balance Transfers. SunTrust may decline authorization for 

any transaction at any time. SunTrust is not liable for declining authorization for 

any transaction, regardless of SunTrust’s reason. All transactions on Your Account

are subject to approval based upon Your Account status, available Credit, credit 

history and other factors. You may not stop the payment of any Card transaction.

SunTrust may reject and return unpaid any Convenience Check that You write for

any reason. You must pay SunTrust for any Convenience Check that SunTrust pays,

even if SunTrust were permitted to reject and return the Convenience Check, 

unless the Convenience Check constitutes unauthorized use. SunTrust may refuse 

to issue Convenience Checks or, upon notice to You, refuse to permit the use 

of Convenience Checks already issued. You may call SunTrust at 800.477.9702

to place a stop payment on an unpaid Convenience Check. SunTrust will charge 

the stop payment fee. You must provide SunTrust the date, amount, name of 

payee, and the number of the Convenience Check. If any information You provide 

is incorrect or if You do not afford SunTrust a reasonable opportunity to act on 

Your request, SunTrust may not be able to stop payment. Once a Convenience 

Check has been paid, SunTrust will not be able to reverse the payment. Your stop 

payment request will remain valid for 6 months. You must renew Your request 

before it expires if You want SunTrust to continue honoring the stop payment 

request after the initial 6 month period. You agree to hold harmless and indemnify 

SunTrust from any losses, expenses and costs, including attorneys’ fees incurred 

by SunTrust, for preventing or failing to prevent payment.

Individual Liability

You, as a Cardholder, are liable for all Credit obtained under Your Account(s), 

whether obtained by You, another Cardholder or an Authorized User of the 

Account. If there is more than one Cardholder on the Account, each of You

is liable, jointly and severally, for all Credit obtained under the Account(s), 

regardless of which of You obtains that Credit or benefits from it.

Either You or SunTrust may terminate this Agreement or suspend Your Credit

privileges under this Agreement at any time, with or without cause. You will 

not try to make any Purchases or Balance Transfers or try to obtain any Cash 

Advances or Overdraft Advances on Your Account after Your Credit privileges 

have been terminated or suspended. However, this Agreement will otherwise 

remain in full force and effect until You pay all sums due SunTrust.

Applicable Law

Applicable Law. Except as expressly set forth in the Arbitration Provision of this 

Agreement, this Agreement and the interpretation and enforcement thereof 

(including but not limited to the exportation of interest rates) will be governed 

by Federal law applicable to SunTrust and, to the extent not preempted by 

Federal law, the laws of the State of Georgia without regard to its conflicts of law 

provisions and principles. If there is any conflict between any of the terms and 

conditions of this Agreement and applicable Federal or State law, this Agreement

will be considered changed to the extent necessary to comply with the applicable 

law. You agree that all terms of this Agreement are material to the determination 

of interest. SunTrust accepts this Agreement in its home state, Georgia.

Military Lending Act

The Military Lending Act provides protections for certain members of the Armed 

Forces and their dependents (“Covered Borrowers”). The provisions of this section 

apply to Covered Borrowers under the Military Lending Act. If you would like 

more information about whether you are a Covered Borrower and whether this 

section applies to you, please contact us at 1-844-310-5891. Statement of MAPR. 

Federal law provides important protections to members of the Armed Forces and 

their dependents relating to extensions of consumer credit. In general, the cost 

of consumer credit to a member of the Armed Forces and his or her dependent 

may not exceed an Annual Percentage Rate of 36%. This rate must include, as 

applicable to the credit transaction or account: (1) the costs associated with credit 

insurance premiums; (2) fees for ancillary products sold in connection with the 

credit transaction; (3) any application fee charged (other than certain application 

fees for specified credit transactions or accounts); and (4) any participation 

fee charged (other than certain participation fees for a credit card account). 

Oral Disclosures. In order to hear important Military Lending Act disclosures 

and payment information provided in this Note, please call 1-844-310-5891. 

Applicability of Jury Trial Waiver, Class Action Waiver, and Arbitration Provision. 

The Jury Trial Waiver, Class Action Waiver, and Arbitration Provision set forth in this 

Note do not apply to Covered Borrowers under the Military Lending Act.

Jury Trial Waiver

UNLESS YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT AND TO 

THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED 

TO ARBITRATION, YOU AND SUNTRUST HEREBY KNOWINGLY, VOLUNTARILY, 

INTENTIONALLY AND IRREVOCABLY WAIVE THE RIGHT TO A TRIAL BY JURY WITH 

RESPECT TO ANY LITIGATION ARISING OUT OF THIS AGREEMENT, RELATING TO THE 

CREDIT, OR ANY OTHER DISPUTE OR CONTROVERSY BETWEEN YOU AND SUNTRUST.

Class Action Waiver

UNLESS YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT AND TO 

THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED TO 

ARBITRATION, YOU AND SUNTRUST HEREBY AGREE THAT ANY LITIGATION ARISING 

OUT OF THIS AGREEMENT, RELATING TO THE ACCOUNT, OR ANY OTHER DISPUTE 

OR CONTROVERSY BETWEEN YOU AND SUNTRUST WILL PROCEED ON AN INDIVIDUAL

BASIS AND WILL NOT PROCEED AS PART OF A CLASS ACTION AND THAT YOU AND 

SUNTRUST HEREBY KNOWINGLY, VOLUNTARILY, INTENTIONALLY AND IRREVOCABLY

WAIVE ANY RIGHT TO PROCEED IN A CLASS ACTION OR TO SERVE AS A CLASS 

REPRESENTATIVE.

Other Products and Services

SunTrust will, at Your request, arrange for an overnight courier to deliver 

additional or replacement Cards on an expedited basis. The charge assessed by the 

overnight courier will be added to Your Account Balance. From time to time, new

products, optional services or enhancements (for example, insurance or Card

registration) may be offered on Your Account. SunTrust is not liable for these 

features, services and enhancements, when they are the responsibility of a 

third party provider. You agree to hold SunTrust harmless from any claims, 

actions or damages resulting from Your use of any of these features, services or 

enhancements, when permitted by applicable law. SunTrust reserves the right to 

adjust, add, or delete benefits and services at any time.

Credit Inquiries

You authorize SunTrust to make or have made any credit, employment, and 

investigative inquiries that SunTrust deems appropriate related to the extension 

or collection of Credit under the Account. If You dispute credit information 

SunTrust is reporting about You, You may notify SunTrust at Cardholder Services, 

Attention: Dispute Department, P.O. Box 620548, Orlando, FL 32862-0548.

Consumer Reporting Agencies (Credit Bureaus)

It is standard banking industry practice and within federal and state law for SunTrust

routinely to provide data about customer loan repayment and transactions to

consumer reporting agencies and other creditors. SunTrust may report information

about Your Account(s) to credit bureaus. Late Payments, missed payments, or

other Defaults on Your Account(s) may be reflected in Your credit report.

Sharing of Information

SunTrust may, to the extent and in the manner permitted by applicable law, 

communicate information about SunTrust’s experiences and transactions with 

You to consumer reporting agencies, SunTrust’s affiliates, and others who may 

properly receive that information. You may refer to SunTrust’s Privacy Statement 

for more details about how SunTrust collects, uses, retains, discloses, and 

safeguards information about You and Your Account. SunTrust’s Privacy Statement 

is provided when consumer Cardholders establish a customer relationship with 

SunTrust, once each year while Cardholders maintain a customer relationship 

with SunTrust, and at other times required by law. You may request an additional 

copy of SunTrust’s Privacy Statement by calling SunTrust at 866.732.1683

or sending a written request to SunTrust at Cardholder Services, Attention: 

Customer Service, P.O. Box 621629, Orlando, FL 32862-1629.

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.

The invalidity of any provision of the Agreement will not affect the validity of any 

Waiver

Severability

other provision.

Entire Agreement

This Agreement, as modified from time to time in accordance with applicable law

by any change in terms that SunTrust will deliver to You (in writing or via update

to Agreement terms that are published at www.suntrust.com/personal-banking/

credit-cards), constitutes the entire Agreement between You and SunTrust, and

supersedes any prior negotiation or understanding between You and SunTrust

concerning the subject matter of this Agreement. Section headings are for

convenience only and are to be disregarded when interpreting this Agreement.

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 Provision

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.

THIS ARBITRATION PROVISION DOES NOT APPLY IF, AS OF THE DATE OF THIS 

AGREEMENT, YOU ARE A COVERED BORROWER UNDER THE FEDERAL MILITARY

LENDING ACT. IF YOU WOULD LIKE MORE INFORMATION ABOUT WHETHER YOU 

ARE COVERED BY THE MILITARY LENDING ACT, IN WHICH CASE THIS ARBITRATION 

PROVISION DOES NOT APPLY TO YOU, PLEASE CONTACT US AT 1-844-310-5891. 

YOU HAVE THE RIGHT TO REJECT THIS ARBITRATION PROVISION AS SET FORTH 

BELOW. If You do not reject this Arbitration Provision, for a Claim subject to 

arbitration, neither You nor SunTrust will have the right to: (1) have a court 

or a jury decide the Claim; (2) engage in information-gathering (discovery) 

to the same extent as in court; (3) participate in a class action in court or in 

arbitration; or (4) join or consolidate Your Claim(s) with claims of any other 

person. The right to appeal is more limited in arbitration than in court and 

other rights in court may be unavailable or limited in arbitration.

CREDIT CARD ACCOUNT AGREEMENT

Table of Contents

SUMMARY OF KEY TERMS

Amendment (Changes) and Assignment 

AGREEMENT TERMS

Additional Information

Costs

Overdraft Protection

Payments

Arbitration

Your Billing Rights

Definitions

Card Account 

Agreement (CA)

SUMMARY OF 

KEY TERMS

Each bolded word or phrase is defined in the definitions 

section at the end of this Agreement. A copy of the 

Agreement may be found online at www.suntrust.com/

personal-banking/credit-cards.

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 sign the 

Card or (2) You or an Authorized User use(s) the Card or 

Account, thus obtaining Credit from SunTrust.

What types of 

transactions 

• You may use Your Card/Account to make legal Purchases, 

Cash Advances, Overdraft Advances and Balance 

might You make 

Transfers. You are responsible for transactions that You, 

other Cardholders, and Authorized Users make, whether 

with the Card/

Account and 

how are these 

transactions 

itemized on Your 

bill each month?

What You Pay, 

when, how, and 

what happens if 

You pay late?

How will 

SunTrust apply 

Your payments?

the transactions are legal or not.

• Each type of transaction has different associated costs 

and terms; each transaction type and associated costs are 

grouped together and detailed in Your monthly Statement 

(Card Account bill) by transaction type. The combined 

outstanding amount of each transaction type is Your New 

Balance due on Your Account each month (Billing Period). 

You must pay all Interest Charges, fees, and Other 

Charges properly charged to Your Account.

• SunTrust will send You a monthly Statement (bill). You 

agree to pay all Authorized Charges on the Statement. 

You have the option of paying in full the New Balance 

shown on each Statement or paying in installments that 

at least equal the amount of the Minimum Payment 

shown on Your Statement. In either case, the payment 

Due Date will be at least 25 days after the Closing Date 

of Your Statement.

• The Minimum Payment will include any amount past due 

or over Your Credit Limit plus the greater of (1) $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.

What other 

Your liability for unauthorized use of the Card – what to 

important terms 

do/what happens if Your Card is stolen.

exist in the CA?

P-1786

Rev. 9/17

What other 

important terms 

exist in the CA?

Credit Limits, Authorization, and Convenience Checks – 

Costs on Balance 

• The costs for Balance Transfers consist of (1) interest 

spending limits/transaction authorization.

Individual Liability – each Cardholder is individually and 

jointly liable for all Authorized Charges.

Termination – You or SunTrust can terminate or suspend 

Your Credit at any time with/without cause.

Sharing of Information – how SunTrust safeguards your 

information/how-when SunTrust may disclose Your information 

to others; refers to SunTrust’s Privacy Statement.

Arbitration – the way in which You and SunTrust agree to 

resolve claims; You have the right to opt out of arbitration 

as the agreed upon claims resolution method.

Billing Dispute Rights – details Your rights if You dispute 

charges/are not satisfied with good/services You procure 

from merchants using Your Card/Account.

Defined Terms – defines all essential terms used in the CA.

Interest Charges 

SunTrust calculates Interest Charges using the Average 

and Transaction 

Fees in General:

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.

Interest Rates 

and Interest 

Charges based 

upon Credit 

Inquiries:

Cost on 

Purchases: 

SunTrust 

will charge 

the Interest 

Charge (unless 

inapplicable 

because of the 

Grace Period) on 

Your Purchases 

from the 

transaction date.

Costs on Cash 

Advances: 

SunTrust will 

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 

charge the Interest 

transaction fees. The DPR Interest Charge is the Average 

Charge on Your 

Cash Advances 

Daily Balance on Cash Advances multiplied by (1) the 

number of days in the Billing Period and (2) the applicable 

from the date they 

DPR. Cash Advances do not have a Grace Period.

are posted to Your 

Account.

Cost on Overdraft 

The cost on Overdraft Advances (DPR Interest Charge) 

Advances: 

is the Average Daily Balance on Overdraft Advances 

SunTrust will charge 

multiplied by (1) the number of days in the Billing Period 

the Interest Charge 

and (2) the applicable DPR. In accordance with its Rules and 

on Your Overdraft 

Regulations for Deposit Accounts, SunTrust will assess You 

Advances from 

its usual deposit account fee for such service, separately, 

the date they are 

and as part of Your deposit Account fees. Overdraft 

posted to Your 

Advances do not have a Grace Period.

Account.

Transfers: 

When SunTrust 

provides You a 

Balance Transfer 

check or Balance 

Transfer request 

form or when You 

request a Balance 

Transfer, SunTrust 

will charge the 

Interest Charge 

on Your Balance 

Transfer from the 

date it is posted 

to Your Account.

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.

Foreign Currency 

• All Purchase and Cash Advance transactions processed in 

Exchange on

Non-US 

Transactions:

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 

Other Charges:

Late Payment Fee. Unless Your Account is exempt from 

Your Account.

• If Your Account has a foreign currency transaction fee, it 

will be shown on the Card Mailer.

• Conversion may occur on a date other than the date of the 

transaction or the date the transaction is posted to Your 

Statement, which may affect the conversion rate used. If 

a Credit transaction is processed and has a processing date 

different than the original transaction, then the exchange 

rate of the Credit can be greater/less than that of the 

original transaction.

Late Payment fees, if SunTrust has not received at least 

the Minimum Payment by its Due Date as shown on a 

Statement, SunTrust will add a Late Payment fee to Your 

Purchase Balance based on the New Balance outstanding 

as of the Closing Date for the Statement.

Annual Fee. If Your Account has an annual fee, it will be 

shown on the Card Mailer, and SunTrust will add the annual 

fee to Your Purchase Balance.

Returned Payment Fee. Unless Your Account is exempt 

from Returned Payment fees, SunTrust will add a Returned 

Payment fee to Your Purchase Balance if (1) a payment 

that You make or authorize is returned to SunTrust unpaid; 

or (2) any Balance Transfer, Cash Advance, or Promotional 

Balance check is dishonored for any reason. This fee may be 

imposed even if Your payment is later re-presented to and 

paid by Your financial institution.

Stop Payment Fee. SunTrust will add a $39.00 stop 

payment fee to Your Purchase Balance if You ask SunTrust 

to stop payment on any Convenience Check drawn on Your 

Account or on any Balance Transfer request.

Documentation Fee. SunTrust will provide copies of 

Statements, sales drafts, etc., to You upon request. If You 

request copies of more than two items during a Billing Period, 

SunTrust will add a fee to Your Purchase Balance up to $5.00 

for each additional copy unless prohibited by applicable law. 

SunTrust will not impose any fee if Your request is made in 

connection with written notice of a billing error.

Minimum Interest 

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).

Charges:

Changes

SunTrust can change some of Your rates and other terms 

in accordance with applicable law. This table shows some 

possible changes.

Type of change

What may trigger 

Advance notice of change

Interest Rate 

In the first 

increase on new 

year, a 

Promotional Rate ends or Index Rate 

changes, no notice; otherwise, 45 days

charges

Interest Rate 

increase on 

existing Balances

No notice requirement or per terms of the 

workout arrangement

change

Promotional 

Rate ends 

or the Index 

Rate changes; 

after that, any 

reason

Promotional 

period ends, 

Index Rate 

changes, or 

Your Account 

is in a workout 

arrangement

Increase or 
decrease to 
Credit Limit

Any reason

None

Some fees and 
other terms

Can change for 
any reason

Up to 45 days for certain fees and 
Minimum Payment changes

Card Account 
Agreement (CA)
SUMMARY OF 
KEY TERMS

Each bolded word or phrase is defined in the definitions 
section at the end of this Agreement. A copy of the 
Agreement may be found online at www.suntrust.com/
personal-banking/credit-cards.

Your Card Account Agreement with SunTrust starts and You agree to 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 

Costs: Interest Charge (Average Daily Balance for Balance 

Transfers x no. days in Billing Period x DPR) + Balance 

Fees for Balance 

Transfer transaction fees.

Transfers

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 

Cost: Interest Charge (Average Daily Balance for 

Promotional Balances x no. days in Billing Period x 

Balances

Promotional Rate DPR)

SunTrust may from time to time offer You a Promotional Rate on certain 

Purchases or Balance Transfers through Promotional Offers. If You accept a 

Promotional Offer, the resulting Promotional Balance will be subject to the 

terms of that specific Promotional Offer and this Agreement. In each Promotional 

Balance program, any new or different terms of the program not disclosed in this 

Agreement (such as the APR, effective dates and other special terms) will be 

detailed in the Promotional Offer.

The DPR Interest Charge is the Average Daily Balance on Promotional Balances 

multiplied by (1) the number of days in the Billing Period and (2) the applicable DPR.

The Promotional Rate will apply to those Promotional Balances until the 

Promotional Offer Termination Date. A Promotional Balance will not, after the 

Termination Date, be eligible for another Promotional Rate.

After the Termination Date, Your Promotional Rate will change to Your regular 

Purchases DPR, unless disclosed otherwise in the Promotional Offer. If the reason 

for the Termination Date is a Delinquency Triggering Event, SunTrust will change 

the DPR that applies to Your new and outstanding Promotional Balances to the 

Purchase DPR and corresponding APR, after SunTrust provides You any notice 

required by applicable law.

Minimum Interest Charge

If You incur Interest Charges in any Billing Period, a minimum Interest Charge 

will post to Your Account (such minimum Interest Charge shown as the “Minimum 

Interest Charge” on Your Statement). If You incur Interest Charges in any Billing 

Period, the Minimum Interest Charge will be no less than the amount disclosed in 

the Card Mailer. SunTrust may allocate the Minimum Interest Charge among Your 

various Balances in the manner that SunTrust elects as permitted by applicable law.

Foreign Currency Exchange for Non-US Transactions

All Purchase and Cash Advance transactions processed in a foreign currency will 

be converted to U.S. dollars under the regulations of the Card Association before 

being charged to Your Account. (The exchange rate that the Card Association uses 

to convert currency is a rate the Card Association selects either from the range 

of rates available in the wholesale currency markets for the applicable processing 

date (which rate may vary from the rate the Card Association itself receives) or 

the government-mandated rate in effect on the applicable processing date.)

Conversion may occur on a date other than the date of the transaction or the date 

the transaction is posted to Your Statement, which may affect the conversion rate 

used. If a Credit transaction is processed and has a processing date different than 

the original transaction, then the exchange rate of the Credit can be greater/less 

than that of the original transaction.

If Your Account has a foreign currency transaction fee, it will be shown on Your 

Card Mailer and will be calculated after each Purchase transaction has been 

converted from a foreign currency.

Other Charges

Late Payment Fee. Unless Your Account is exempt from Late Payment fees, 

if SunTrust has not received at least the Minimum Payment by its Due Date as 

shown on a Statement, SunTrust will add a Late Payment fee to Your Purchase 

Balance based on the New Balance outstanding as of the Closing Date for the 

Statement. The Late Payment fee is stated on the Card Mailer.

Annual Fee. If Your Account has an annual fee, it will be shown on the Card Mailer, 

and SunTrust will add the annual fee to Your Purchase Balance. If an annual 

fee is applicable to Your Account, SunTrust will provide You with notice of that 

annual fee in the manner required by law and explain how You may terminate 

Credit availability under the Account to avoid paying any such annual fee. If You 

do not terminate the Account, the terms disclosed will continue to apply.

Returned Payment Fee. Unless Your Account is exempt from Returned 

Payment fees, SunTrust will add a Returned Payment fee to Your Purchase 

Balance if (1) a payment that You make or authorize is returned to SunTrust 

unpaid (for example, if a check or an electronic funds transfer to SunTrust is 

returned for insufficient funds or is returned because it is not signed or cannot 

be processed for any reason); or (2) any Balance Transfer, Cash Advance, 

or Promotional Balance check is dishonored for any reason. This fee may 

be imposed even if Your payment is later re-presented to and paid by Your 

financial institution. The Returned Payment fee is stated on the Card Mailer.

Stop Payment Fee. SunTrust will add a $39.00 stop payment fee to Your 

Purchase Balance if You ask SunTrust to stop payment on any Convenience 

Check drawn on Your Account or on any Balance Transfer request.

Documentation Fee. SunTrust will provide copies of Items to You upon request. 

If You request copies of more than two Items during a Billing Period, SunTrust 

will add a fee to Your Purchase Balance up to $5.00 for each additional copy 

unless prohibited by applicable law. SunTrust will not impose any fee if Your 

request is made in connection with written notice of a billing error.

Overdraft Protection

If You elect to link Your SunTrust eligible Consumer Checking Account, Savings 

Account or Money Market Savings Account to this SunTrust Credit Card for 

overdraft protection (the “Protected Account”), funds will be transferred from 

Your Credit Card Account (the “Protector Account”) into Your Protected 

Account when checks, bill pay, or other debit transactions would cause Your 

Protected Account to be overdrawn if those transactions are paid. 

Transfers will be made in $100 increments from the Protector Account to Your 

Protected Account. These transfers shall be considered a “Cash Advance” as 

that term is defined under Your Credit Card Account Agreement. Fees and 

interest rates for Cash Advances are disclosed to clients in their Credit Card 

Account Agreement and may be higher than those associated with other Credit 

Card transactions. There is no Grace Period for Cash Advances, meaning finance 

charges will accrue from the date the Cash Advance is posted to Your Credit Card 

Account. If the available Credit on Your Credit Card Account (i.e. Credit Limit 

or the available Cash Advance limit) is insufficient to cover the entire overdraft, 

we may make transfers to pay individual debit Items up to the available accessible 

Credit on Your Credit Card Account. For example, if Your deposit Account has 

a Balance of $10.00 and a check or other debit item for $80.00 is presented for 

payment, which if paid would cause Your deposit Account to be overdrawn, a 

transfer of $100 will be made from Your Credit Card Account to Your deposit 

Account and an overdraft protection Cash Advance of $100 will post to this 

Account. We will also charge an additional Overdraft Protection transfer fee 

to Your Protected Account for each day a transfer is made, as disclosed in the 

Personal Deposit Accounts Fee Schedule. 

Be advised that we reserve the right to not initiate transfers to cover overdrafts 

and to return the debit item(s) for non-sufficient funds. By way of example only, 

we ordinarily will not initiate an overdraft transfer or advance funds as a Cash 

Advance under the following circumstances: (i) if You are in Default under Your 

Credit Card Account Agreement; (ii) if the Cash Advance would cause You to 

exceed the available Credit for a given transaction; (iii) if Your Credit Card is in a 

closed or blocked status (e.g. due to fraud); (iv) if You fail to make a Credit Card 

payment by its Due Date; and/or (v) if You exceed any Credit Card limit on Your 

Credit Card Account. In these instances, an overdraft or returned item fee for 

each debited item will be charged to the Protected Account, which is disclosed in 

the Personal Deposit Accounts Fee Schedule. 

Overdraft protection is only available for active Credit Card Accounts, but be 

advised that linking a deposit Account to a Credit Card does not automatically 

activate that Card. Conversely, cancelling overdraft protection will not cancel a 

Credit Card.

A Cash Advance transfer to the Protected Account due to overdraft protection 

will not activate Your Credit Card. Cancelling overdraft protection will not 

close Your Credit Card. However, closing a Credit Card Account will cancel the 

overdraft protection service.

Payments

What You Pay, When, How, and what happens if You pay late

SunTrust will send Your Statement to the address that the Bank has on file for 

You. You agree to pay all Authorized Charges on the Statement. You have the 

option of paying in full the New Balance shown on each Statement or paying in 

installments that at least equal the amount of the Minimum Payment shown on 

Your Statement.

In either case, the payment Due Date will be at least 25 days after the Closing 

Date. The Minimum Payment will include any amount past due or over the Credit 

Limit plus the greater of (1) $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

Amendment (Changes) and Assignment

Termination

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.

IMPORTANT NOTICE: In accordance with applicable law, SunTrust may unilaterally 

change the APRs, Other Charges, and other terms of this Agreement at any time. 

This includes modifications, deletions and the addition of new provisions, including 

non-financial provisions (for example, SunTrust may add provisions relating to 

SunTrust’s enforcement rights or the resolution of claims and disputes). SunTrust 

will send You notice in accordance with the communication method (in writing or 

via posting of updated Agreement terms at www.suntrust.com/personal-banking/

credit-cards) and in the time and manner required by law for the changes that 

SunTrust intends to make to Your Account and this Agreement. Changes will 

be automatically effective on the date SunTrust specifies, except as otherwise 

provided in any change in terms notice SunTrust provides. Use of Your Account 

is not necessary for a change in terms to be effective. You will have the right to 

reject certain changes and pay off Your Account in the same manner and under 

the same terms and conditions as then in effect, as described in any change 

in terms notice SunTrust provides and as required by applicable law. SunTrust 

may terminate or suspend Your ability to use the Account if You reject certain 

changes, to the extent permitted by applicable law and as described in any 

change in terms notice that SunTrust provides. SunTrust has the right to Assign 

SunTrust’s rights under this Agreement and any amount You owe to SunTrust. You 

do not have the right to assign or transfer Your rights under this Agreement.

Additional Information

Your liability for unauthorized use of the Card

To report a lost/stolen Card call: 866.732.1683. State that You are reporting a 

lost/stolen Card. You must notify the Bank promptly in the event of loss, theft, 

or unauthorized use of Your Card. This notification responsibility means that 

You should regularly check Your Statements to review charges that post to Your 

Account to confirm that unauthorized charges have not posted to Your Account.

You may be liable for the unauthorized use of Your Card. If unauthorized use of 

Your Account occurs, You agree to cooperate with SunTrust and law enforcement 

authorities in identifying the unauthorized user. However, You will not be liable 

for unauthorized use that occurs after You notify SunTrust orally or in writing of 

the loss, theft, or possible unauthorized use. In any case, Your liability will not 

exceed $50 for each occurrence of loss or theft or any lesser amount required by 

applicable law or the requirements of the Card Association. You may write to 

SunTrust at: Cardholder Services, P.O. Box 621569, Orlando, FL 32862-1569.

Ownership of the Card

Your Card and any Convenience Checks or other Credit instrument or device that 

SunTrust provides to You are SunTrust’s property and must be returned to SunTrust 

or SunTrust’s agent immediately upon demand. At SunTrust’s request You will 

destroy Your Card, other Credit instruments or devices and/or special checks, by 

cutting them in half and surrendering those items to SunTrust or SunTrust’s agent by 

mailing them to SunTrust or dropping them off at SunTrust’s office.

Credit Limits, Authorization, and Convenience Checks

Unless Your Account type or SunTrust permits You to exceed Your Credit Limit, 

You agree to not exceed the Credit Limit that SunTrust establishes for You, but 

if You do, You agree to pay the over Credit Limit amount as part of Your next 

Minimum Payment. SunTrust may raise or lower Your Credit Limit at SunTrust’s 

discretion, as permitted by applicable law. SunTrust is not liable to You for 

decreases that affect Your Credit Limit or spending limits. Each of You may 

request an increase to the Credit Limit of a joint Account. If You were required to 

have a joint Account because one of You was less than 21 years of age when Your 

Account was opened and that individual remains less than 21 years of age when 

SunTrust considers raising the Credit Limit of Your joint Account, SunTrust will 

not increase the Credit Limit until all of You approve and assume in writing joint 

liability for an increase to the Credit Limit of the joint Account. SunTrust may 

establish separate limits that restrict the amount of the Credit Limit available 

for Cash Advances or Balance Transfers. SunTrust may decline authorization for 

any transaction at any time. SunTrust is not liable for declining authorization for 

any transaction, regardless of SunTrust’s reason. All transactions on Your Account 

are subject to approval based upon Your Account status, available Credit, credit 

history and other factors. You may not stop the payment of any Card transaction.

SunTrust may reject and return unpaid any Convenience Check that You write for 

any reason. You must pay SunTrust for any Convenience Check that SunTrust pays, 

even if SunTrust were permitted to reject and return the Convenience Check, 

unless the Convenience Check constitutes unauthorized use. SunTrust may refuse 

to issue Convenience Checks or, upon notice to You, refuse to permit the use 

of Convenience Checks already issued. You may call SunTrust at 800.477.9702 

to place a stop payment on an unpaid Convenience Check. SunTrust will charge 

the stop payment fee. You must provide SunTrust the date, amount, name of 

payee, and the number of the Convenience Check. If any information You provide 

is incorrect or if You do not afford SunTrust a reasonable opportunity to act on 

Your request, SunTrust may not be able to stop payment. Once a Convenience 

Check has been paid, SunTrust will not be able to reverse the payment. Your stop 

payment request will remain valid for 6 months. You must renew Your request 

before it expires if You want SunTrust to continue honoring the stop payment 

request after the initial 6 month period. You agree to hold harmless and indemnify 

SunTrust from any losses, expenses and costs, including attorneys’ fees incurred 

by SunTrust, for preventing or failing to prevent payment.

Individual Liability

You, as a Cardholder, are liable for all Credit obtained under Your Account(s), 

whether obtained by You, another Cardholder or an Authorized User of the 

Account. If there is more than one Cardholder on the Account, each of You 

is liable, jointly and severally, for all Credit obtained under the Account(s), 

regardless of which of You obtains that Credit or benefits from it.

Either You or SunTrust may terminate this Agreement or suspend Your Credit 

privileges under this Agreement at any time, with or without cause. You will 

not try to make any Purchases or Balance Transfers or try to obtain any Cash 

Advances or Overdraft Advances on Your Account after Your Credit privileges 

have been terminated or suspended. However, this Agreement will otherwise 

remain in full force and effect until You pay all sums due SunTrust.

Applicable Law

Applicable Law. Except as expressly set forth in the Arbitration Provision of this 

Agreement, this Agreement and the interpretation and enforcement thereof 

(including but not limited to the exportation of interest rates) will be governed 

by Federal law applicable to SunTrust and, to the extent not preempted by 

Federal law, the laws of the State of Georgia without regard to its conflicts of law 

provisions and principles. If there is any conflict between any of the terms and 

conditions of this Agreement and applicable Federal or State law, this Agreement 

will be considered changed to the extent necessary to comply with the applicable 

law. You agree that all terms of this Agreement are material to the determination 

of interest. SunTrust accepts this Agreement in its home state, Georgia.

Military Lending Act

The Military Lending Act provides protections for certain members of the Armed 

Forces and their dependents (“Covered Borrowers”). The provisions of this section 

apply to Covered Borrowers under the Military Lending Act. If you would like 

more information about whether you are a Covered Borrower and whether this 

section applies to you, please contact us at 1-844-310-5891. Statement of MAPR. 

Federal law provides important protections to members of the Armed Forces and 

their dependents relating to extensions of consumer credit. In general, the cost 

of consumer credit to a member of the Armed Forces and his or her dependent 

may not exceed an Annual Percentage Rate of 36%. This rate must include, as 

applicable to the credit transaction or account: (1) the costs associated with credit 

insurance premiums; (2) fees for ancillary products sold in connection with the 

credit transaction; (3) any application fee charged (other than certain application 

fees for specified credit transactions or accounts); and (4) any participation 

fee charged (other than certain participation fees for a credit card account). 

Oral Disclosures. In order to hear important Military Lending Act disclosures 

and payment information provided in this Note, please call 1-844-310-5891. 

Applicability of Jury Trial Waiver, Class Action Waiver, and Arbitration Provision. 

The Jury Trial Waiver, Class Action Waiver, and Arbitration Provision set forth in this 

Note do not apply to Covered Borrowers under the Military Lending Act.

Jury Trial Waiver

UNLESS YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT AND TO 

THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED 

TO ARBITRATION, YOU AND SUNTRUST HEREBY KNOWINGLY, VOLUNTARILY, 

INTENTIONALLY AND IRREVOCABLY WAIVE THE RIGHT TO A TRIAL BY JURY WITH 

RESPECT TO ANY LITIGATION ARISING OUT OF THIS AGREEMENT, RELATING TO THE 

CREDIT, OR ANY OTHER DISPUTE OR CONTROVERSY BETWEEN YOU AND SUNTRUST.

Class Action Waiver

UNLESS YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT AND TO 

THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED TO 

ARBITRATION, YOU AND SUNTRUST HEREBY AGREE THAT ANY LITIGATION ARISING 

OUT OF THIS AGREEMENT, RELATING TO THE ACCOUNT, OR ANY OTHER DISPUTE 

OR CONTROVERSY BETWEEN YOU AND SUNTRUST WILL PROCEED ON AN INDIVIDUAL 

BASIS AND WILL NOT PROCEED AS PART OF A CLASS ACTION AND THAT YOU AND 

SUNTRUST HEREBY KNOWINGLY, VOLUNTARILY, INTENTIONALLY AND IRREVOCABLY 

WAIVE ANY RIGHT TO PROCEED IN A CLASS ACTION OR TO SERVE AS A CLASS 

REPRESENTATIVE.

Other Products and Services

SunTrust will, at Your request, arrange for an overnight courier to deliver 

additional or replacement Cards on an expedited basis. The charge assessed by the 

overnight courier will be added to Your Account Balance. From time to time, new

products, optional services or enhancements (for example, insurance or Card 

registration) may be offered on Your Account. SunTrust is not liable for these 

features, services and enhancements, when they are the responsibility of a 

third party provider. You agree to hold SunTrust harmless from any claims, 

actions or damages resulting from Your use of any of these features, services or 

enhancements, when permitted by applicable law. SunTrust reserves the right to 

adjust, add, or delete benefits and services at any time.

Credit Inquiries

You authorize SunTrust to make or have made any credit, employment, and 

investigative inquiries that SunTrust deems appropriate related to the extension 

or collection of Credit under the Account. If You dispute credit information 

SunTrust is reporting about You, You may notify SunTrust at Cardholder Services, 

Attention: Dispute Department, P.O. Box 620548, Orlando, FL 32862-0548.

Consumer Reporting Agencies (Credit Bureaus)

It is standard banking industry practice and within federal and state law for SunTrust 

routinely to provide data about customer loan repayment and transactions to 

consumer reporting agencies and other creditors. SunTrust may report information 

about Your Account(s) to credit bureaus. Late Payments, missed payments, or 

other Defaults on Your Account(s) may be reflected in Your credit report.

Sharing of Information

SunTrust may, to the extent and in the manner permitted by applicable law, 

communicate information about SunTrust’s experiences and transactions with 

You to consumer reporting agencies, SunTrust’s affiliates, and others who may 

properly receive that information. You may refer to SunTrust’s Privacy Statement 

for more details about how SunTrust collects, uses, retains, discloses, and 

safeguards information about You and Your Account. SunTrust’s Privacy Statement 

is provided when consumer Cardholders establish a customer relationship with 

SunTrust, once each year while Cardholders maintain a customer relationship 

with SunTrust, and at other times required by law. You may request an additional 

copy of SunTrust’s Privacy Statement by calling SunTrust at 866.732.1683 

or sending a written request to SunTrust at Cardholder Services, Attention: 

Customer Service, P.O. Box 621629, Orlando, FL 32862-1629.

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.

The invalidity of any provision of the Agreement will not affect the validity of any 

Waiver

Severability

other provision.

Entire Agreement

This Agreement, as modified from time to time in accordance with applicable law 

by any change in terms that SunTrust will deliver to You (in writing or via update 

to Agreement terms that are published at www.suntrust.com/personal-banking/

credit-cards), constitutes the entire Agreement between You and SunTrust, and 

supersedes any prior negotiation or understanding between You and SunTrust 

concerning the subject matter of this Agreement. Section headings are for 

convenience only and are to be disregarded when interpreting this Agreement.

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 Provision

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.

THIS ARBITRATION PROVISION DOES NOT APPLY IF, AS OF THE DATE OF THIS 

AGREEMENT, YOU ARE A COVERED BORROWER UNDER THE FEDERAL MILITARY 

LENDING ACT. IF YOU WOULD LIKE MORE INFORMATION ABOUT WHETHER YOU 

ARE COVERED BY THE MILITARY LENDING ACT, IN WHICH CASE THIS ARBITRATION 

PROVISION DOES NOT APPLY TO YOU, PLEASE CONTACT US AT 1-844-310-5891. 

YOU HAVE THE RIGHT TO REJECT THIS ARBITRATION PROVISION AS SET FORTH 

BELOW. If You do not reject this Arbitration Provision, for a Claim subject to 

arbitration, neither You nor SunTrust will have the right to: (1) have a court 

or a jury decide the Claim; (2) engage in information-gathering (discovery) 

to the same extent as in court; (3) participate in a class action in court or in 

arbitration; or (4) join or consolidate Your Claim(s) with claims of any other 

person. The right to appeal is more limited in arbitration than in court and 

other rights in court may be unavailable or limited in arbitration.

CREDIT CARD ACCOUNT AGREEMENT

Table of Contents

SUMMARY OF KEY TERMS

Amendment (Changes) and Assignment 

AGREEMENT TERMS

Additional Information

Costs

Overdraft Protection

Payments

Arbitration

Your Billing Rights

Definitions

Card Account 

Agreement (CA)

SUMMARY OF 

KEY TERMS

Each bolded word or phrase is defined in the definitions 

section at the end of this Agreement. A copy of the 

Agreement may be found online at www.suntrust.com/

personal-banking/credit-cards.

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 sign the 

Card or (2) You or an Authorized User use(s) the Card or 

Account, thus obtaining Credit from SunTrust.

What types of 

transactions 

• You may use Your Card/Account to make legal Purchases, 

Cash Advances, Overdraft Advances and Balance 

might You make 

Transfers. You are responsible for transactions that You, 

other Cardholders, and Authorized Users make, whether 

with the Card/

Account and 

how are these 

transactions 

itemized on Your 

bill each month?

What You Pay, 

when, how, and 

what happens if 

You pay late?

How will 

SunTrust apply 

Your payments?

the transactions are legal or not.

• Each type of transaction has different associated costs 

and terms; each transaction type and associated costs are 

grouped together and detailed in Your monthly Statement 

(Card Account bill) by transaction type. The combined 

outstanding amount of each transaction type is Your New 

Balance due on Your Account each month (Billing Period). 

You must pay all Interest Charges, fees, and Other 

Charges properly charged to Your Account.

• SunTrust will send You a monthly Statement (bill). You 

agree to pay all Authorized Charges on the Statement. 

You have the option of paying in full the New Balance 

shown on each Statement or paying in installments that 

at least equal the amount of the Minimum Payment 

shown on Your Statement. In either case, the payment 

Due Date will be at least 25 days after the Closing Date 

of Your Statement.

• The Minimum Payment will include any amount past due 

or over Your Credit Limit plus the greater of (1) $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.

What other 

Your liability for unauthorized use of the Card – what to 

important terms 

do/what happens if Your Card is stolen.

exist in the CA?

P-1786

Rev. 9/17

What other 

important terms 

exist in the CA?

Credit Limits, Authorization, and Convenience Checks – 

Costs on Balance 

• The costs for Balance Transfers consist of (1) interest 

Any reason

None

spending limits/transaction authorization.

Individual Liability – each Cardholder is individually and 

jointly liable for all Authorized Charges.

Termination – You or SunTrust can terminate or suspend 

Your Credit at any time with/without cause.

Sharing of Information – how SunTrust safeguards your 

information/how-when SunTrust may disclose Your information 

to others; refers to SunTrust’s Privacy Statement.

Arbitration – the way in which You and SunTrust agree to 

resolve claims; You have the right to opt out of arbitration 

as the agreed upon claims resolution method.

Billing Dispute Rights – details Your rights if You dispute 

charges/are not satisfied with good/services You procure 

from merchants using Your Card/Account.

Defined Terms – defines all essential terms used in the CA.

Interest Charges 

SunTrust calculates Interest Charges using the Average 

and Transaction 

Fees in General:

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.

Interest Rates 

and Interest 

Charges based 

upon Credit 

Inquiries:

Cost on 

Purchases: 

SunTrust 

will charge 

the Interest 

Charge (unless 

inapplicable 

because of the 

Grace Period) on 

Your Purchases 

from the 

transaction date.

Costs on Cash 

Advances: 

SunTrust will 

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 

charge the Interest 

transaction fees. The DPR Interest Charge is the Average 

Charge on Your 

Cash Advances 

Daily Balance on Cash Advances multiplied by (1) the 

number of days in the Billing Period and (2) the applicable 

from the date they 

DPR. Cash Advances do not have a Grace Period.

are posted to Your 

Account.

Cost on Overdraft 

The cost on Overdraft Advances (DPR Interest Charge) 

Advances: 

is the Average Daily Balance on Overdraft Advances 

SunTrust will charge 

multiplied by (1) the number of days in the Billing Period 

the Interest Charge 

and (2) the applicable DPR. In accordance with its Rules and 

on Your Overdraft 

Regulations for Deposit Accounts, SunTrust will assess You 

Advances from 

its usual deposit account fee for such service, separately, 

the date they are 

and as part of Your deposit Account fees. Overdraft 

posted to Your 

Advances do not have a Grace Period.

Account.

Transfers: 

When SunTrust 

provides You a 

Balance Transfer 

check or Balance 

Transfer request 

form or when You 

request a Balance 

Transfer, SunTrust 

will charge the 

Interest Charge 

on Your Balance 

Transfer from the 

date it is posted 

to Your Account.

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.

Foreign Currency 

• All Purchase and Cash Advance transactions processed in 

Exchange on

Non-US 

Transactions:

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 

Other Charges:

Late Payment Fee. Unless Your Account is exempt from 

Your Account.

• If Your Account has a foreign currency transaction fee, it 

will be shown on the Card Mailer.

• Conversion may occur on a date other than the date of the 

transaction or the date the transaction is posted to Your 

Statement, which may affect the conversion rate used. If 

a Credit transaction is processed and has a processing date 

different than the original transaction, then the exchange 

rate of the Credit can be greater/less than that of the 

original transaction.

Late Payment fees, if SunTrust has not received at least 

the Minimum Payment by its Due Date as shown on a 

Statement, SunTrust will add a Late Payment fee to Your 

Purchase Balance based on the New Balance outstanding 

as of the Closing Date for the Statement.

Annual Fee. If Your Account has an annual fee, it will be 

shown on the Card Mailer, and SunTrust will add the annual 

fee to Your Purchase Balance.

Returned Payment Fee. Unless Your Account is exempt 

from Returned Payment fees, SunTrust will add a Returned 

Payment fee to Your Purchase Balance if (1) a payment 

that You make or authorize is returned to SunTrust unpaid; 

or (2) any Balance Transfer, Cash Advance, or Promotional 

Balance check is dishonored for any reason. This fee may be 

imposed even if Your payment is later re-presented to and 

paid by Your financial institution.

Stop Payment Fee. SunTrust will add a $39.00 stop 

payment fee to Your Purchase Balance if You ask SunTrust 

to stop payment on any Convenience Check drawn on Your 

Account or on any Balance Transfer request.

Documentation Fee. SunTrust will provide copies of 

Statements, sales drafts, etc., to You upon request. If You 

request copies of more than two items during a Billing Period, 

SunTrust will add a fee to Your Purchase Balance up to $5.00 

for each additional copy unless prohibited by applicable law. 

SunTrust will not impose any fee if Your request is made in 

connection with written notice of a billing error.

Minimum Interest 

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).

SunTrust can change some of Your rates and other terms 

in accordance with applicable law. This table shows some 

possible changes.

Type of change

What may trigger 

Advance notice of change

Charges:

Changes

charges

Interest Rate 

In the first 

increase on new 

year, a 

Promotional Rate ends or Index Rate 

changes, no notice; otherwise, 45 days

Advances

Interest Rate 

increase on 

existing Balances

No notice requirement or per terms of the 

workout arrangement

change

Promotional 

Rate ends 

or the Index 

Rate changes; 

after that, any 

reason

Promotional 

period ends, 

Index Rate 

changes, or 

Your Account 

is in a workout 

arrangement

Increase or 

decrease to 

Credit Limit

Some fees and 

other terms

Can change for 

Up to 45 days for certain fees and 

any reason

Minimum Payment changes

Card Account 

Agreement (CA)

SUMMARY OF 

KEY TERMS

Each bolded word or phrase is defined in the definitions 

section at the end of this Agreement. A copy of the 

Agreement may be found online at www.suntrust.com/

personal-banking/credit-cards.

Your Card Account Agreement with SunTrust starts and You agree to 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 

Cost: Interest Charge (Average Daily Balance for 

for Purchases

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.

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 

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 

Cost: Interest Charge (Average Daily Balance for Overdraft 

for Overdraft 

Advances x no. days in Billing Period x DPR)

Interest Charge 

and Transaction 

Fees for Cash 

Advances

transaction fees.

The cost on Overdraft Advances (DPR Interest Charge) is the Average Daily 

Balance on Overdraft Advances multiplied by (1) the number of days in the Billing 

Period and (2) the applicable DPR. In accordance with its Rules and Regulations for 

Deposit Accounts, SunTrust will assess You its usual deposit account fee for such 

service, separately, and as part of Your deposit account fees.

The DPR for Overdraft Advances may or may not vary each month based on 

changes in the Index Rate. The Card Mailer discloses whether the Account is 

subject to a Variable or a Non-variable APR.

SunTrust will charge the Interest Charge on Your Overdraft Advances from the date 

they are posted to Your Account. Overdraft Advances do not have a Grace Period.

Interest Charge 
and Transaction 
Fees for Balance 
Transfers

Costs: Interest Charge (Average Daily Balance for Balance 
Transfers x no. days in Billing Period x DPR) + Balance 
Transfer transaction fees.

The costs for Balance Transfers consist of (1) interest computed at the applicable 
DPR on the Average Daily Balance (for Balance Transfers) and (2) Balance 
Transfer transaction fees.
The DPR Interest Charge is the Average Daily Balance on Balance Transfers 
multiplied by (1) the number of days in the Billing Period and (2) the applicable 
DPR. The Balance Transfer transaction fee for a ‘regular’ Balance Transfer or 
‘Promotional Balance’ Balance Transfer is disclosed in the Card Mailer; provided, 
that SunTrust may from time to time offer You Balance Transfer Promotional 
Offers with different Balance Transfer Interest Charges and transaction fees than 
the Card Mailer terms. Those different Interest Charges and fees will be disclosed 
in the Balance Transfer Promotional Offer. SunTrust will add the Balance 
Transfer fee to the ‘Balance Transfer’ Balance of Your Account, unless SunTrust 
informs You when You make a Balance Transfer that the Balance Transfer amount 
and Balance Transfer fee will be added to another category of Balance (e.g., 
Purchases or Cash Advances).
Unless SunTrust informs You otherwise, Balance Transfers do not have a Grace 
Period. When SunTrust provides You a Balance Transfer check or Balance Transfer 
request form or when You request a Balance Transfer, SunTrust will charge the 
Interest Charge on Your Balance Transfer from the date it is posted to Your Account.
The DPR for Balance Transfers (that are subject to Interest Charges) may or 
may not vary each month based on changes in the Index Rate. The Card Mailer 
discloses whether the Account is subject to a Variable or a Non-variable APR.

Interest Charge 
for Promotional 
Balances

Cost: Interest Charge (Average Daily Balance for 
Promotional Balances x no. days in Billing Period x 
Promotional Rate DPR)

SunTrust may from time to time offer You a Promotional Rate on certain 
Purchases or Balance Transfers through Promotional Offers. If You accept a 
Promotional Offer, the resulting Promotional Balance will be subject to the 
terms of that specific Promotional Offer and this Agreement. In each Promotional 
Balance program, any new or different terms of the program not disclosed in this 
Agreement (such as the APR, effective dates and other special terms) will be 
detailed in the Promotional Offer.
The DPR Interest Charge is the Average Daily Balance on Promotional Balances 
multiplied by (1) the number of days in the Billing Period and (2) the applicable DPR.
The Promotional Rate will apply to those Promotional Balances until the 
Promotional Offer Termination Date. A Promotional Balance will not, after the 
Termination Date, be eligible for another Promotional Rate.
After the Termination Date, Your Promotional Rate will change to Your regular 
Purchases DPR, unless disclosed otherwise in the Promotional Offer. If the reason 
for the Termination Date is a Delinquency Triggering Event, SunTrust will change 
the DPR that applies to Your new and outstanding Promotional Balances to the 
Purchase DPR and corresponding APR, after SunTrust provides You any notice 
required by applicable law.

Minimum Interest Charge

If You incur Interest Charges in any Billing Period, a minimum Interest Charge 
will post to Your Account (such minimum Interest Charge shown as the “Minimum 
Interest Charge” on Your Statement). If You incur Interest Charges in any Billing 
Period, the Minimum Interest Charge will be no less than the amount disclosed in 
the Card Mailer. SunTrust may allocate the Minimum Interest Charge among Your 
various Balances in the manner that SunTrust elects as permitted by applicable law.

Foreign Currency Exchange for Non-US Transactions

All Purchase and Cash Advance transactions processed in a foreign currency will 
be converted to U.S. dollars under the regulations of the Card Association before 
being charged to Your Account. (The exchange rate that the Card Association uses 
to convert currency is a rate the Card Association selects either from the range 
of rates available in the wholesale currency markets for the applicable processing 
date (which rate may vary from the rate the Card Association itself receives) or 
the government-mandated rate in effect on the applicable processing date.)
Conversion may occur on a date other than the date of the transaction or the date 
the transaction is posted to Your Statement, which may affect the conversion rate 
used. If a Credit transaction is processed and has a processing date different than 
the original transaction, then the exchange rate of the Credit can be greater/less 
than that of the original transaction.
If Your Account has a foreign currency transaction fee, it will be shown on Your 
Card Mailer and will be calculated after each Purchase transaction has been 
converted from a foreign currency.

Other Charges
Late Payment Fee. Unless Your Account is exempt from Late Payment fees, 
if SunTrust has not received at least the Minimum Payment by its Due Date as 
shown on a Statement, SunTrust will add a Late Payment fee to Your Purchase 
Balance based on the New Balance outstanding as of the Closing Date for the 
Statement. The Late Payment fee is stated on the Card Mailer.
Annual Fee. If Your Account has an annual fee, it will be shown on the Card Mailer, 
and SunTrust will add the annual fee to Your Purchase Balance. If an annual 
fee is applicable to Your Account, SunTrust will provide You with notice of that 
annual fee in the manner required by law and explain how You may terminate 
Credit availability under the Account to avoid paying any such annual fee. If You 
do not terminate the Account, the terms disclosed will continue to apply.

Returned Payment Fee. Unless Your Account is exempt from Returned 

Payment fees, SunTrust will add a Returned Payment fee to Your Purchase 

Balance if (1) a payment that You make or authorize is returned to SunTrust 

unpaid (for example, if a check or an electronic funds transfer to SunTrust is 

returned for insufficient funds or is returned because it is not signed or cannot 

be processed for any reason); or (2) any Balance Transfer, Cash Advance, 

or Promotional Balance check is dishonored for any reason. This fee may 

be imposed even if Your payment is later re-presented to and paid by Your 

financial institution. The Returned Payment fee is stated on the Card Mailer.

Stop Payment Fee. SunTrust will add a $39.00 stop payment fee to Your 

Purchase Balance if You ask SunTrust to stop payment on any Convenience 

Check drawn on Your Account or on any Balance Transfer request.

Documentation Fee. SunTrust will provide copies of Items to You upon request. 

If You request copies of more than two Items during a Billing Period, SunTrust 

will add a fee to Your Purchase Balance up to $5.00 for each additional copy 

unless prohibited by applicable law. SunTrust will not impose any fee if Your 

request is made in connection with written notice of a billing error.

Overdraft Protection

If You elect to link Your SunTrust eligible Consumer Checking Account, Savings 

Account or Money Market Savings Account to this SunTrust Credit Card for 

overdraft protection (the “Protected Account”), funds will be transferred from 

Your Credit Card Account (the “Protector Account”) into Your Protected 

Account when checks, bill pay, or other debit transactions would cause Your 

Protected Account to be overdrawn if those transactions are paid. 

Transfers will be made in $100 increments from the Protector Account to Your 

Protected Account. These transfers shall be considered a “Cash Advance” as 

that term is defined under Your Credit Card Account Agreement. Fees and 

interest rates for Cash Advances are disclosed to clients in their Credit Card 

Account Agreement and may be higher than those associated with other Credit 

Card transactions. There is no Grace Period for Cash Advances, meaning finance 

charges will accrue from the date the Cash Advance is posted to Your Credit Card 

Account. If the available Credit on Your Credit Card Account (i.e. Credit Limit 

or the available Cash Advance limit) is insufficient to cover the entire overdraft, 

we may make transfers to pay individual debit Items up to the available accessible 

Credit on Your Credit Card Account. For example, if Your deposit Account has 

a Balance of $10.00 and a check or other debit item for $80.00 is presented for 

payment, which if paid would cause Your deposit Account to be overdrawn, a 

transfer of $100 will be made from Your Credit Card Account to Your deposit 

Account and an overdraft protection Cash Advance of $100 will post to this 

Account. We will also charge an additional Overdraft Protection transfer fee 

to Your Protected Account for each day a transfer is made, as disclosed in the 

Personal Deposit Accounts Fee Schedule. 

Be advised that we reserve the right to not initiate transfers to cover overdrafts 

and to return the debit item(s) for non-sufficient funds. By way of example only, 

we ordinarily will not initiate an overdraft transfer or advance funds as a Cash 

Advance under the following circumstances: (i) if You are in Default under Your 

Credit Card Account Agreement; (ii) if the Cash Advance would cause You to 

exceed the available Credit for a given transaction; (iii) if Your Credit Card is in a 

closed or blocked status (e.g. due to fraud); (iv) if You fail to make a Credit Card 

payment by its Due Date; and/or (v) if You exceed any Credit Card limit on Your 

Credit Card Account. In these instances, an overdraft or returned item fee for 

each debited item will be charged to the Protected Account, which is disclosed in 

the Personal Deposit Accounts Fee Schedule. 

Overdraft protection is only available for active Credit Card Accounts, but be 

advised that linking a deposit Account to a Credit Card does not automatically 

activate that Card. Conversely, cancelling overdraft protection will not cancel a 

Credit Card.

A Cash Advance transfer to the Protected Account due to overdraft protection 

will not activate Your Credit Card. Cancelling overdraft protection will not 

close Your Credit Card. However, closing a Credit Card Account will cancel the 

overdraft protection service.

Payments

What You Pay, When, How, and what happens if You pay late

SunTrust will send Your Statement to the address that the Bank has on file for 

You. You agree to pay all Authorized Charges on the Statement. You have the 

option of paying in full the New Balance shown on each Statement or paying in 

installments that at least equal the amount of the Minimum Payment shown on 

Your Statement.

In either case, the payment Due Date will be at least 25 days after the Closing 

Date. The Minimum Payment will include any amount past due or over the Credit 

Limit plus the greater of (1) $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

Amendment (Changes) and Assignment

Termination

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.

IMPORTANT NOTICE: In accordance with applicable law, SunTrust may unilaterally 

change the APRs, Other Charges, and other terms of this Agreement at any time. 

This includes modifications, deletions and the addition of new provisions, including 

non-financial provisions (for example, SunTrust may add provisions relating to 

SunTrust’s enforcement rights or the resolution of claims and disputes). SunTrust 

will send You notice in accordance with the communication method (in writing or 

via posting of updated Agreement terms at www.suntrust.com/personal-banking/

credit-cards) and in the time and manner required by law for the changes that 

SunTrust intends to make to Your Account and this Agreement. Changes will 

be automatically effective on the date SunTrust specifies, except as otherwise 

provided in any change in terms notice SunTrust provides. Use of Your Account 

is not necessary for a change in terms to be effective. You will have the right to 

reject certain changes and pay off Your Account in the same manner and under 

the same terms and conditions as then in effect, as described in any change 

in terms notice SunTrust provides and as required by applicable law. SunTrust 

may terminate or suspend Your ability to use the Account if You reject certain 

changes, to the extent permitted by applicable law and as described in any 

change in terms notice that SunTrust provides. SunTrust has the right to Assign 

SunTrust’s rights under this Agreement and any amount You owe to SunTrust. You 

do not have the right to assign or transfer Your rights under this Agreement.

Additional Information

Your liability for unauthorized use of the Card

To report a lost/stolen Card call: 866.732.1683. State that You are reporting a 

lost/stolen Card. You must notify the Bank promptly in the event of loss, theft, 

or unauthorized use of Your Card. This notification responsibility means that 

You should regularly check Your Statements to review charges that post to Your 

Account to confirm that unauthorized charges have not posted to Your Account.

You may be liable for the unauthorized use of Your Card. If unauthorized use of 

Your Account occurs, You agree to cooperate with SunTrust and law enforcement 

authorities in identifying the unauthorized user. However, You will not be liable 

for unauthorized use that occurs after You notify SunTrust orally or in writing of 

the loss, theft, or possible unauthorized use. In any case, Your liability will not 

exceed $50 for each occurrence of loss or theft or any lesser amount required by 

applicable law or the requirements of the Card Association. You may write to 

SunTrust at: Cardholder Services, P.O. Box 621569, Orlando, FL 32862-1569.

Ownership of the Card

Your Card and any Convenience Checks or other Credit instrument or device that 

SunTrust provides to You are SunTrust’s property and must be returned to SunTrust 

or SunTrust’s agent immediately upon demand. At SunTrust’s request You will 

destroy Your Card, other Credit instruments or devices and/or special checks, by 

cutting them in half and surrendering those items to SunTrust or SunTrust’s agent by 

mailing them to SunTrust or dropping them off at SunTrust’s office.

Credit Limits, Authorization, and Convenience Checks

Unless Your Account type or SunTrust permits You to exceed Your Credit Limit, 

You agree to not exceed the Credit Limit that SunTrust establishes for You, but 

if You do, You agree to pay the over Credit Limit amount as part of Your next 

Minimum Payment. SunTrust may raise or lower Your Credit Limit at SunTrust’s 

discretion, as permitted by applicable law. SunTrust is not liable to You for 

decreases that affect Your Credit Limit or spending limits. Each of You may 

request an increase to the Credit Limit of a joint Account. If You were required to 

have a joint Account because one of You was less than 21 years of age when Your 

Account was opened and that individual remains less than 21 years of age when 

SunTrust considers raising the Credit Limit of Your joint Account, SunTrust will 

not increase the Credit Limit until all of You approve and assume in writing joint 

liability for an increase to the Credit Limit of the joint Account. SunTrust may 

establish separate limits that restrict the amount of the Credit Limit available 

for Cash Advances or Balance Transfers. SunTrust may decline authorization for 

any transaction at any time. SunTrust is not liable for declining authorization for 

any transaction, regardless of SunTrust’s reason. All transactions on Your Account 

are subject to approval based upon Your Account status, available Credit, credit 

history and other factors. You may not stop the payment of any Card transaction.

SunTrust may reject and return unpaid any Convenience Check that You write for 

any reason. You must pay SunTrust for any Convenience Check that SunTrust pays, 

even if SunTrust were permitted to reject and return the Convenience Check, 

unless the Convenience Check constitutes unauthorized use. SunTrust may refuse 

to issue Convenience Checks or, upon notice to You, refuse to permit the use 

of Convenience Checks already issued. You may call SunTrust at 800.477.9702 

to place a stop payment on an unpaid Convenience Check. SunTrust will charge 

the stop payment fee. You must provide SunTrust the date, amount, name of 

payee, and the number of the Convenience Check. If any information You provide 

is incorrect or if You do not afford SunTrust a reasonable opportunity to act on 

Your request, SunTrust may not be able to stop payment. Once a Convenience 

Check has been paid, SunTrust will not be able to reverse the payment. Your stop 

payment request will remain valid for 6 months. You must renew Your request 

before it expires if You want SunTrust to continue honoring the stop payment 

request after the initial 6 month period. You agree to hold harmless and indemnify 

SunTrust from any losses, expenses and costs, including attorneys’ fees incurred 

by SunTrust, for preventing or failing to prevent payment.

Individual Liability

You, as a Cardholder, are liable for all Credit obtained under Your Account(s), 

whether obtained by You, another Cardholder or an Authorized User of the 

Account. If there is more than one Cardholder on the Account, each of You 

is liable, jointly and severally, for all Credit obtained under the Account(s), 

regardless of which of You obtains that Credit or benefits from it.

Either You or SunTrust may terminate this Agreement or suspend Your Credit 

privileges under this Agreement at any time, with or without cause. You will 

not try to make any Purchases or Balance Transfers or try to obtain any Cash 

Advances or Overdraft Advances on Your Account after Your Credit privileges 

have been terminated or suspended. However, this Agreement will otherwise 

remain in full force and effect until You pay all sums due SunTrust.

Applicable Law

Applicable Law. Except as expressly set forth in the Arbitration Provision of this 

Agreement, this Agreement and the interpretation and enforcement thereof 

(including but not limited to the exportation of interest rates) will be governed 

by Federal law applicable to SunTrust and, to the extent not preempted by 

Federal law, the laws of the State of Georgia without regard to its conflicts of law 

provisions and principles. If there is any conflict between any of the terms and 

conditions of this Agreement and applicable Federal or State law, this Agreement 

will be considered changed to the extent necessary to comply with the applicable 

law. You agree that all terms of this Agreement are material to the determination 

of interest. SunTrust accepts this Agreement in its home state, Georgia.

Military Lending Act

The Military Lending Act provides protections for certain members of the Armed 

Forces and their dependents (“Covered Borrowers”). The provisions of this section 

apply to Covered Borrowers under the Military Lending Act. If you would like 

more information about whether you are a Covered Borrower and whether this 

section applies to you, please contact us at 1-844-310-5891. Statement of MAPR. 

Federal law provides important protections to members of the Armed Forces and 

their dependents relating to extensions of consumer credit. In general, the cost 

of consumer credit to a member of the Armed Forces and his or her dependent 

may not exceed an Annual Percentage Rate of 36%. This rate must include, as 

applicable to the credit transaction or account: (1) the costs associated with credit 

insurance premiums; (2) fees for ancillary products sold in connection with the 

credit transaction; (3) any application fee charged (other than certain application 

fees for specified credit transactions or accounts); and (4) any participation 

fee charged (other than certain participation fees for a credit card account). 

Oral Disclosures. In order to hear important Military Lending Act disclosures 

and payment information provided in this Note, please call 1-844-310-5891. 

Applicability of Jury Trial Waiver, Class Action Waiver, and Arbitration Provision. 

The Jury Trial Waiver, Class Action Waiver, and Arbitration Provision set forth in this 

Note do not apply to Covered Borrowers under the Military Lending Act.

Jury Trial Waiver

UNLESS YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT AND TO 

THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED 

TO ARBITRATION, YOU AND SUNTRUST HEREBY KNOWINGLY, VOLUNTARILY, 

INTENTIONALLY AND IRREVOCABLY WAIVE THE RIGHT TO A TRIAL BY JURY WITH 

RESPECT TO ANY LITIGATION ARISING OUT OF THIS AGREEMENT, RELATING TO THE 

CREDIT, OR ANY OTHER DISPUTE OR CONTROVERSY BETWEEN YOU AND SUNTRUST.

Class Action Waiver

UNLESS YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT AND TO 

THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED TO 

ARBITRATION, YOU AND SUNTRUST HEREBY AGREE THAT ANY LITIGATION ARISING 

OUT OF THIS AGREEMENT, RELATING TO THE ACCOUNT, OR ANY OTHER DISPUTE 

OR CONTROVERSY BETWEEN YOU AND SUNTRUST WILL PROCEED ON AN INDIVIDUAL 

BASIS AND WILL NOT PROCEED AS PART OF A CLASS ACTION AND THAT YOU AND 

SUNTRUST HEREBY KNOWINGLY, VOLUNTARILY, INTENTIONALLY AND IRREVOCABLY 

WAIVE ANY RIGHT TO PROCEED IN A CLASS ACTION OR TO SERVE AS A CLASS 

REPRESENTATIVE.

Other Products and Services

SunTrust will, at Your request, arrange for an overnight courier to deliver 

additional or replacement Cards on an expedited basis. The charge assessed by the 

overnight courier will be added to Your Account Balance. From time to time, new

products, optional services or enhancements (for example, insurance or Card 

registration) may be offered on Your Account. SunTrust is not liable for these 

features, services and enhancements, when they are the responsibility of a 

third party provider. You agree to hold SunTrust harmless from any claims, 

actions or damages resulting from Your use of any of these features, services or 

enhancements, when permitted by applicable law. SunTrust reserves the right to 

adjust, add, or delete benefits and services at any time.

Credit Inquiries

You authorize SunTrust to make or have made any credit, employment, and 

investigative inquiries that SunTrust deems appropriate related to the extension 

or collection of Credit under the Account. If You dispute credit information 

SunTrust is reporting about You, You may notify SunTrust at Cardholder Services, 

Attention: Dispute Department, P.O. Box 620548, Orlando, FL 32862-0548.

Consumer Reporting Agencies (Credit Bureaus)

It is standard banking industry practice and within federal and state law for SunTrust 

routinely to provide data about customer loan repayment and transactions to 

consumer reporting agencies and other creditors. SunTrust may report information 

about Your Account(s) to credit bureaus. Late Payments, missed payments, or 

other Defaults on Your Account(s) may be reflected in Your credit report.

Sharing of Information

SunTrust may, to the extent and in the manner permitted by applicable law, 

communicate information about SunTrust’s experiences and transactions with 

You to consumer reporting agencies, SunTrust’s affiliates, and others who may 

properly receive that information. You may refer to SunTrust’s Privacy Statement 

for more details about how SunTrust collects, uses, retains, discloses, and 

safeguards information about You and Your Account. SunTrust’s Privacy Statement 

is provided when consumer Cardholders establish a customer relationship with 

SunTrust, once each year while Cardholders maintain a customer relationship 

with SunTrust, and at other times required by law. You may request an additional 

copy of SunTrust’s Privacy Statement by calling SunTrust at 866.732.1683 

or sending a written request to SunTrust at Cardholder Services, Attention: 

Customer Service, P.O. Box 621629, Orlando, FL 32862-1629.

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.

The invalidity of any provision of the Agreement will not affect the validity of any 

Waiver

Severability

other provision.

Entire Agreement

This Agreement, as modified from time to time in accordance with applicable law 

by any change in terms that SunTrust will deliver to You (in writing or via update 

to Agreement terms that are published at www.suntrust.com/personal-banking/

credit-cards), constitutes the entire Agreement between You and SunTrust, and 

supersedes any prior negotiation or understanding between You and SunTrust 

concerning the subject matter of this Agreement. Section headings are for 

convenience only and are to be disregarded when interpreting this Agreement.

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 Provision

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.

THIS ARBITRATION PROVISION DOES NOT APPLY IF, AS OF THE DATE OF THIS 

AGREEMENT, YOU ARE A COVERED BORROWER UNDER THE FEDERAL MILITARY 

LENDING ACT. IF YOU WOULD LIKE MORE INFORMATION ABOUT WHETHER YOU 

ARE COVERED BY THE MILITARY LENDING ACT, IN WHICH CASE THIS ARBITRATION 

PROVISION DOES NOT APPLY TO YOU, PLEASE CONTACT US AT 1-844-310-5891. 

YOU HAVE THE RIGHT TO REJECT THIS ARBITRATION PROVISION AS SET FORTH 

BELOW. If You do not reject this Arbitration Provision, for a Claim subject to 

arbitration, neither You nor SunTrust will have the right to: (1) have a court 

or a jury decide the Claim; (2) engage in information-gathering (discovery) 

to the same extent as in court; (3) participate in a class action in court or in 

arbitration; or (4) join or consolidate Your Claim(s) with claims of any other 

person. The right to appeal is more limited in arbitration than in court and 

other rights in court may be unavailable or limited in arbitration.

CREDIT CARD ACCOUNT AGREEMENT

Table of Contents

SUMMARY OF KEY TERMS

Amendment (Changes) and Assignment 

AGREEMENT TERMS

Additional Information

Costs

Overdraft Protection

Payments

Arbitration

Your Billing Rights

Definitions

Card Account 

Agreement (CA)

SUMMARY OF 

KEY TERMS

Each bolded word or phrase is defined in the definitions 

section at the end of this Agreement. A copy of the 

Agreement may be found online at www.suntrust.com/

personal-banking/credit-cards.

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 sign the 

Card or (2) You or an Authorized User use(s) the Card or 

Account, thus obtaining Credit from SunTrust.

What types of 

transactions 

• You may use Your Card/Account to make legal Purchases, 

Cash Advances, Overdraft Advances and Balance 

might You make 

Transfers. You are responsible for transactions that You, 

other Cardholders, and Authorized Users make, whether 

with the Card/

Account and 

how are these 

transactions 

itemized on Your 

bill each month?

What You Pay, 

when, how, and 

what happens if 

You pay late?

How will 

SunTrust apply 

Your payments?

the transactions are legal or not.

• Each type of transaction has different associated costs 

and terms; each transaction type and associated costs are 

grouped together and detailed in Your monthly Statement 

(Card Account bill) by transaction type. The combined 

outstanding amount of each transaction type is Your New 

Balance due on Your Account each month (Billing Period). 

You must pay all Interest Charges, fees, and Other 

Charges properly charged to Your Account.

• SunTrust will send You a monthly Statement (bill). You 

agree to pay all Authorized Charges on the Statement. 

You have the option of paying in full the New Balance 

shown on each Statement or paying in installments that 

at least equal the amount of the Minimum Payment 

shown on Your Statement. In either case, the payment 

Due Date will be at least 25 days after the Closing Date 

of Your Statement.

• The Minimum Payment will include any amount past due 

or over Your Credit Limit plus the greater of (1) $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.

What other 

Your liability for unauthorized use of the Card – what to 

important terms 

do/what happens if Your Card is stolen.

exist in the CA?

P-1786

Rev. 9/17

What other 

important terms 

exist in the CA?

Credit Limits, Authorization, and Convenience Checks – 

Costs on Balance 

• The costs for Balance Transfers consist of (1) interest 

Any reason

None

spending limits/transaction authorization.

Individual Liability – each Cardholder is individually and 

jointly liable for all Authorized Charges.

Termination – You or SunTrust can terminate or suspend 

Your Credit at any time with/without cause.

Sharing of Information – how SunTrust safeguards your 

information/how-when SunTrust may disclose Your information 

to others; refers to SunTrust’s Privacy Statement.

Arbitration – the way in which You and SunTrust agree to 

resolve claims; You have the right to opt out of arbitration 

as the agreed upon claims resolution method.

Billing Dispute Rights – details Your rights if You dispute 

charges/are not satisfied with good/services You procure 

from merchants using Your Card/Account.

Defined Terms – defines all essential terms used in the CA.

Interest Charges 

SunTrust calculates Interest Charges using the Average 

and Transaction 

Fees in General:

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.

Interest Rates 

and Interest 

Charges based 

upon Credit 

Inquiries:

Cost on 

Purchases: 

SunTrust 

will charge 

the Interest 

Charge (unless 

inapplicable 

because of the 

Grace Period) on 

Your Purchases 

from the 

transaction date.

Costs on Cash 

Advances: 

SunTrust will 

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 

charge the Interest 

transaction fees. The DPR Interest Charge is the Average 

Charge on Your 

Cash Advances 

Daily Balance on Cash Advances multiplied by (1) the 

number of days in the Billing Period and (2) the applicable 

from the date they 

DPR. Cash Advances do not have a Grace Period.

are posted to Your 

Account.

Cost on Overdraft 

The cost on Overdraft Advances (DPR Interest Charge) 

Advances: 

is the Average Daily Balance on Overdraft Advances 

SunTrust will charge 

multiplied by (1) the number of days in the Billing Period 

the Interest Charge 

and (2) the applicable DPR. In accordance with its Rules and 

on Your Overdraft 

Regulations for Deposit Accounts, SunTrust will assess You 

Advances from 

its usual deposit account fee for such service, separately, 

the date they are 

and as part of Your deposit Account fees. Overdraft 

posted to Your 

Advances do not have a Grace Period.

Account.

Transfers: 

When SunTrust 

provides You a 

Balance Transfer 

check or Balance 

Transfer request 

form or when You 

request a Balance 

Transfer, SunTrust 

will charge the 

Interest Charge 

on Your Balance 

Transfer from the 

date it is posted 

to Your Account.

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.

Foreign Currency 

• All Purchase and Cash Advance transactions processed in 

Exchange on

Non-US 

Transactions:

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 

Other Charges:

Late Payment Fee. Unless Your Account is exempt from 

Your Account.

• If Your Account has a foreign currency transaction fee, it 

will be shown on the Card Mailer.

• Conversion may occur on a date other than the date of the 

transaction or the date the transaction is posted to Your 

Statement, which may affect the conversion rate used. If 

a Credit transaction is processed and has a processing date 

different than the original transaction, then the exchange 

rate of the Credit can be greater/less than that of the 

original transaction.

Late Payment fees, if SunTrust has not received at least 

the Minimum Payment by its Due Date as shown on a 

Statement, SunTrust will add a Late Payment fee to Your 

Purchase Balance based on the New Balance outstanding 

as of the Closing Date for the Statement.

Annual Fee. If Your Account has an annual fee, it will be 

shown on the Card Mailer, and SunTrust will add the annual 

fee to Your Purchase Balance.

Returned Payment Fee. Unless Your Account is exempt 

from Returned Payment fees, SunTrust will add a Returned 

Payment fee to Your Purchase Balance if (1) a payment 

that You make or authorize is returned to SunTrust unpaid; 

or (2) any Balance Transfer, Cash Advance, or Promotional 

Balance check is dishonored for any reason. This fee may be 

imposed even if Your payment is later re-presented to and 

paid by Your financial institution.

Stop Payment Fee. SunTrust will add a $39.00 stop 

payment fee to Your Purchase Balance if You ask SunTrust 

to stop payment on any Convenience Check drawn on Your 

Account or on any Balance Transfer request.

Documentation Fee. SunTrust will provide copies of 

Statements, sales drafts, etc., to You upon request. If You 

request copies of more than two items during a Billing Period, 

SunTrust will add a fee to Your Purchase Balance up to $5.00 

for each additional copy unless prohibited by applicable law. 

SunTrust will not impose any fee if Your request is made in 

connection with written notice of a billing error.

Minimum Interest 

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).

SunTrust can change some of Your rates and other terms 

in accordance with applicable law. This table shows some 

possible changes.

Type of change

What may trigger 

Advance notice of change

Charges:

Changes

charges

Interest Rate 

In the first 

increase on new 

year, a 

Promotional Rate ends or Index Rate 

changes, no notice; otherwise, 45 days

Advances

Interest Rate 

increase on 

existing Balances

No notice requirement or per terms of the 

workout arrangement

change

Promotional 

Rate ends 

or the Index 

Rate changes; 

after that, any 

reason

Promotional 

period ends, 

Index Rate 

changes, or 

Your Account 

is in a workout 

arrangement

Increase or 

decrease to 

Credit Limit

Some fees and 

other terms

Can change for 

Up to 45 days for certain fees and 

any reason

Minimum Payment changes

Card Account 

Agreement (CA)

SUMMARY OF 

KEY TERMS

Each bolded word or phrase is defined in the definitions 

section at the end of this Agreement. A copy of the 

Agreement may be found online at www.suntrust.com/

personal-banking/credit-cards.

Your Card Account Agreement with SunTrust starts and You agree to 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 

Cost: Interest Charge (Average Daily Balance for 

for Purchases

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.

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 

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 

Cost: Interest Charge (Average Daily Balance for Overdraft 

for Overdraft 

Advances x no. days in Billing Period x DPR)

Interest Charge 

and Transaction 

Fees for Cash 

Advances

transaction fees.

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 

Costs: Interest Charge (Average Daily Balance for Balance 

Transfers x no. days in Billing Period x DPR) + Balance 

Fees for Balance 

Transfer transaction fees.

Transfers

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 

Cost: Interest Charge (Average Daily Balance for 

Promotional Balances x no. days in Billing Period x 

Balances

Promotional Rate DPR)

SunTrust may from time to time offer You a Promotional Rate on certain 

Purchases or Balance Transfers through Promotional Offers. If You accept a 

Promotional Offer, the resulting Promotional Balance will be subject to the 

terms of that specific Promotional Offer and this Agreement. In each Promotional 

Balance program, any new or different terms of the program not disclosed in this 

Agreement (such as the APR, effective dates and other special terms) will be 

detailed in the Promotional Offer.

The DPR Interest Charge is the Average Daily Balance on Promotional Balances 

multiplied by (1) the number of days in the Billing Period and (2) the applicable DPR.

The Promotional Rate will apply to those Promotional Balances until the 

Promotional Offer Termination Date. A Promotional Balance will not, after the 

Termination Date, be eligible for another Promotional Rate.

After the Termination Date, Your Promotional Rate will change to Your regular 

Purchases DPR, unless disclosed otherwise in the Promotional Offer. If the reason 

for the Termination Date is a Delinquency Triggering Event, SunTrust will change 

the DPR that applies to Your new and outstanding Promotional Balances to the 

Purchase DPR and corresponding APR, after SunTrust provides You any notice 

required by applicable law.

Minimum Interest Charge

If You incur Interest Charges in any Billing Period, a minimum Interest Charge 

will post to Your Account (such minimum Interest Charge shown as the “Minimum 

Interest Charge” on Your Statement). If You incur Interest Charges in any Billing 

Period, the Minimum Interest Charge will be no less than the amount disclosed in 

the Card Mailer. SunTrust may allocate the Minimum Interest Charge among Your 

various Balances in the manner that SunTrust elects as permitted by applicable law.

Foreign Currency Exchange for Non-US Transactions

All Purchase and Cash Advance transactions processed in a foreign currency will 

be converted to U.S. dollars under the regulations of the Card Association before 

being charged to Your Account. (The exchange rate that the Card Association uses 

to convert currency is a rate the Card Association selects either from the range 

of rates available in the wholesale currency markets for the applicable processing 

date (which rate may vary from the rate the Card Association itself receives) or 

the government-mandated rate in effect on the applicable processing date.)

Conversion may occur on a date other than the date of the transaction or the date 

the transaction is posted to Your Statement, which may affect the conversion rate 

used. If a Credit transaction is processed and has a processing date different than 

the original transaction, then the exchange rate of the Credit can be greater/less 

than that of the original transaction.

If Your Account has a foreign currency transaction fee, it will be shown on Your 

Card Mailer and will be calculated after each Purchase transaction has been 

converted from a foreign currency.

Other Charges

Late Payment Fee. Unless Your Account is exempt from Late Payment fees, 

if SunTrust has not received at least the Minimum Payment by its Due Date as 

shown on a Statement, SunTrust will add a Late Payment fee to Your Purchase 

Balance based on the New Balance outstanding as of the Closing Date for the 

Statement. The Late Payment fee is stated on the Card Mailer.

Annual Fee. If Your Account has an annual fee, it will be shown on the Card Mailer, 

and SunTrust will add the annual fee to Your Purchase Balance. If an annual 

fee is applicable to Your Account, SunTrust will provide You with notice of that 

annual fee in the manner required by law and explain how You may terminate 

Credit availability under the Account to avoid paying any such annual fee. If You 

do not terminate the Account, the terms disclosed will continue to apply.

Returned Payment Fee. Unless Your Account is exempt from Returned 
Payment fees, SunTrust will add a Returned Payment fee to Your Purchase 
Balance if (1) a payment that You make or authorize is returned to SunTrust 
unpaid (for example, if a check or an electronic funds transfer to SunTrust is 
returned for insufficient funds or is returned because it is not signed or cannot 
be processed for any reason); or (2) any Balance Transfer, Cash Advance, 
or Promotional Balance check is dishonored for any reason. This fee may 
be imposed even if Your payment is later re-presented to and paid by Your 
financial institution. The Returned Payment fee is stated on the Card Mailer.
Stop Payment Fee. SunTrust will add a $39.00 stop payment fee to Your 
Purchase Balance if You ask SunTrust to stop payment on any Convenience 
Check drawn on Your Account or on any Balance Transfer request.
Documentation Fee. SunTrust will provide copies of Items to You upon request. 
If You request copies of more than two Items during a Billing Period, SunTrust 
will add a fee to Your Purchase Balance up to $5.00 for each additional copy 
unless prohibited by applicable law. SunTrust will not impose any fee if Your 
request is made in connection with written notice of a billing error.

Overdraft Protection

If You elect to link Your SunTrust eligible Consumer Checking Account, Savings 
Account or Money Market Savings Account to this SunTrust Credit Card for 
overdraft protection (the “Protected Account”), funds will be transferred from 
Your Credit Card Account (the “Protector Account”) into Your Protected 
Account when checks, bill pay, or other debit transactions would cause Your 
Protected Account to be overdrawn if those transactions are paid. 
Transfers will be made in $100 increments from the Protector Account to Your 
Protected Account. These transfers shall be considered a “Cash Advance” as 
that term is defined under Your Credit Card Account Agreement. Fees and 
interest rates for Cash Advances are disclosed to clients in their Credit Card 
Account Agreement and may be higher than those associated with other Credit 
Card transactions. There is no Grace Period for Cash Advances, meaning finance 
charges will accrue from the date the Cash Advance is posted to Your Credit Card 
Account. If the available Credit on Your Credit Card Account (i.e. Credit Limit 
or the available Cash Advance limit) is insufficient to cover the entire overdraft, 
we may make transfers to pay individual debit Items up to the available accessible 
Credit on Your Credit Card Account. For example, if Your deposit Account has 
a Balance of $10.00 and a check or other debit item for $80.00 is presented for 
payment, which if paid would cause Your deposit Account to be overdrawn, a 
transfer of $100 will be made from Your Credit Card Account to Your deposit 
Account and an overdraft protection Cash Advance of $100 will post to this 
Account. We will also charge an additional Overdraft Protection transfer fee 
to Your Protected Account for each day a transfer is made, as disclosed in the 
Personal Deposit Accounts Fee Schedule. 
Be advised that we reserve the right to not initiate transfers to cover overdrafts 
and to return the debit item(s) for non-sufficient funds. By way of example only, 
we ordinarily will not initiate an overdraft transfer or advance funds as a Cash 
Advance under the following circumstances: (i) if You are in Default under Your 
Credit Card Account Agreement; (ii) if the Cash Advance would cause You to 
exceed the available Credit for a given transaction; (iii) if Your Credit Card is in a 
closed or blocked status (e.g. due to fraud); (iv) if You fail to make a Credit Card 
payment by its Due Date; and/or (v) if You exceed any Credit Card limit on Your 
Credit Card Account. In these instances, an overdraft or returned item fee for 
each debited item will be charged to the Protected Account, which is disclosed in 
the Personal Deposit Accounts Fee Schedule. 
Overdraft protection is only available for active Credit Card Accounts, but be 
advised that linking a deposit Account to a Credit Card does not automatically 
activate that Card. Conversely, cancelling overdraft protection will not cancel a 
Credit Card.
A Cash Advance transfer to the Protected Account due to overdraft protection 
will not activate Your Credit Card. Cancelling overdraft protection will not 
close Your Credit Card. However, closing a Credit Card Account will cancel the 
overdraft protection service.

Payments

What You Pay, When, How, and what happens if You pay late

SunTrust will send Your Statement to the address that the Bank has on file for 
You. You agree to pay all Authorized Charges on the Statement. You have the 
option of paying in full the New Balance shown on each Statement or paying in 
installments that at least equal the amount of the Minimum Payment shown on 
Your Statement.
In either case, the payment Due Date will be at least 25 days after the Closing 
Date. The Minimum Payment will include any amount past due or over the Credit 
Limit plus the greater of (1) $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

Amendment (Changes) and Assignment

Termination

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.

IMPORTANT NOTICE: In accordance with applicable law, SunTrust may unilaterally 

change the APRs, Other Charges, and other terms of this Agreement at any time. 

This includes modifications, deletions and the addition of new provisions, including 

non-financial provisions (for example, SunTrust may add provisions relating to 

SunTrust’s enforcement rights or the resolution of claims and disputes). SunTrust 

will send You notice in accordance with the communication method (in writing or 

via posting of updated Agreement terms at www.suntrust.com/personal-banking/

credit-cards) and in the time and manner required by law for the changes that 

SunTrust intends to make to Your Account and this Agreement. Changes will 

be automatically effective on the date SunTrust specifies, except as otherwise 

provided in any change in terms notice SunTrust provides. Use of Your Account 

is not necessary for a change in terms to be effective. You will have the right to 

reject certain changes and pay off Your Account in the same manner and under 

the same terms and conditions as then in effect, as described in any change 

in terms notice SunTrust provides and as required by applicable law. SunTrust 

may terminate or suspend Your ability to use the Account if You reject certain 

changes, to the extent permitted by applicable law and as described in any 

change in terms notice that SunTrust provides. SunTrust has the right to Assign 

SunTrust’s rights under this Agreement and any amount You owe to SunTrust. You 

do not have the right to assign or transfer Your rights under this Agreement.

Additional Information

Your liability for unauthorized use of the Card

To report a lost/stolen Card call: 866.732.1683. State that You are reporting a 

lost/stolen Card. You must notify the Bank promptly in the event of loss, theft, 

or unauthorized use of Your Card. This notification responsibility means that 

You should regularly check Your Statements to review charges that post to Your 

Account to confirm that unauthorized charges have not posted to Your Account.

You may be liable for the unauthorized use of Your Card. If unauthorized use of 

Your Account occurs, You agree to cooperate with SunTrust and law enforcement 

authorities in identifying the unauthorized user. However, You will not be liable 

for unauthorized use that occurs after You notify SunTrust orally or in writing of 

the loss, theft, or possible unauthorized use. In any case, Your liability will not 

exceed $50 for each occurrence of loss or theft or any lesser amount required by 

applicable law or the requirements of the Card Association. You may write to 

SunTrust at: Cardholder Services, P.O. Box 621569, Orlando, FL 32862-1569.

Ownership of the Card

Your Card and any Convenience Checks or other Credit instrument or device that 

SunTrust provides to You are SunTrust’s property and must be returned to SunTrust 

or SunTrust’s agent immediately upon demand. At SunTrust’s request You will 

destroy Your Card, other Credit instruments or devices and/or special checks, by 

cutting them in half and surrendering those items to SunTrust or SunTrust’s agent by 

mailing them to SunTrust or dropping them off at SunTrust’s office.

Credit Limits, Authorization, and Convenience Checks

Unless Your Account type or SunTrust permits You to exceed Your Credit Limit, 

You agree to not exceed the Credit Limit that SunTrust establishes for You, but 

if You do, You agree to pay the over Credit Limit amount as part of Your next 

Minimum Payment. SunTrust may raise or lower Your Credit Limit at SunTrust’s 

discretion, as permitted by applicable law. SunTrust is not liable to You for 

decreases that affect Your Credit Limit or spending limits. Each of You may 

request an increase to the Credit Limit of a joint Account. If You were required to 

have a joint Account because one of You was less than 21 years of age when Your 

Account was opened and that individual remains less than 21 years of age when 

SunTrust considers raising the Credit Limit of Your joint Account, SunTrust will 

not increase the Credit Limit until all of You approve and assume in writing joint 

liability for an increase to the Credit Limit of the joint Account. SunTrust may 

establish separate limits that restrict the amount of the Credit Limit available 

for Cash Advances or Balance Transfers. SunTrust may decline authorization for 

any transaction at any time. SunTrust is not liable for declining authorization for 

any transaction, regardless of SunTrust’s reason. All transactions on Your Account 

are subject to approval based upon Your Account status, available Credit, credit 

history and other factors. You may not stop the payment of any Card transaction.

SunTrust may reject and return unpaid any Convenience Check that You write for 

any reason. You must pay SunTrust for any Convenience Check that SunTrust pays, 

even if SunTrust were permitted to reject and return the Convenience Check, 

unless the Convenience Check constitutes unauthorized use. SunTrust may refuse 

to issue Convenience Checks or, upon notice to You, refuse to permit the use 

of Convenience Checks already issued. You may call SunTrust at 800.477.9702 

to place a stop payment on an unpaid Convenience Check. SunTrust will charge 

the stop payment fee. You must provide SunTrust the date, amount, name of 

payee, and the number of the Convenience Check. If any information You provide 

is incorrect or if You do not afford SunTrust a reasonable opportunity to act on 

Your request, SunTrust may not be able to stop payment. Once a Convenience 

Check has been paid, SunTrust will not be able to reverse the payment. Your stop 

payment request will remain valid for 6 months. You must renew Your request 

before it expires if You want SunTrust to continue honoring the stop payment 

request after the initial 6 month period. You agree to hold harmless and indemnify 

SunTrust from any losses, expenses and costs, including attorneys’ fees incurred 

by SunTrust, for preventing or failing to prevent payment.

Individual Liability

You, as a Cardholder, are liable for all Credit obtained under Your Account(s), 

whether obtained by You, another Cardholder or an Authorized User of the 

Account. If there is more than one Cardholder on the Account, each of You 

is liable, jointly and severally, for all Credit obtained under the Account(s), 

regardless of which of You obtains that Credit or benefits from it.

Either You or SunTrust may terminate this Agreement or suspend Your Credit 

privileges under this Agreement at any time, with or without cause. You will 

not try to make any Purchases or Balance Transfers or try to obtain any Cash 

Advances or Overdraft Advances on Your Account after Your Credit privileges 

have been terminated or suspended. However, this Agreement will otherwise 

remain in full force and effect until You pay all sums due SunTrust.

Applicable Law

Applicable Law. Except as expressly set forth in the Arbitration Provision of this 

Agreement, this Agreement and the interpretation and enforcement thereof 

(including but not limited to the exportation of interest rates) will be governed 

by Federal law applicable to SunTrust and, to the extent not preempted by 

Federal law, the laws of the State of Georgia without regard to its conflicts of law 

provisions and principles. If there is any conflict between any of the terms and 

conditions of this Agreement and applicable Federal or State law, this Agreement 

will be considered changed to the extent necessary to comply with the applicable 

law. You agree that all terms of this Agreement are material to the determination 

of interest. SunTrust accepts this Agreement in its home state, Georgia.

Military Lending Act

The Military Lending Act provides protections for certain members of the Armed 

Forces and their dependents (“Covered Borrowers”). The provisions of this section 

apply to Covered Borrowers under the Military Lending Act. If you would like 

more information about whether you are a Covered Borrower and whether this 

section applies to you, please contact us at 1-844-310-5891. Statement of MAPR. 

Federal law provides important protections to members of the Armed Forces and 

their dependents relating to extensions of consumer credit. In general, the cost 

of consumer credit to a member of the Armed Forces and his or her dependent 

may not exceed an Annual Percentage Rate of 36%. This rate must include, as 

applicable to the credit transaction or account: (1) the costs associated with credit 

insurance premiums; (2) fees for ancillary products sold in connection with the 

credit transaction; (3) any application fee charged (other than certain application 

fees for specified credit transactions or accounts); and (4) any participation 

fee charged (other than certain participation fees for a credit card account). 

Oral Disclosures. In order to hear important Military Lending Act disclosures 

and payment information provided in this Note, please call 1-844-310-5891. 

Applicability of Jury Trial Waiver, Class Action Waiver, and Arbitration Provision. 

The Jury Trial Waiver, Class Action Waiver, and Arbitration Provision set forth in this 

Note do not apply to Covered Borrowers under the Military Lending Act.

Jury Trial Waiver

UNLESS YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT AND TO 

THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED 

TO ARBITRATION, YOU AND SUNTRUST HEREBY KNOWINGLY, VOLUNTARILY, 

INTENTIONALLY AND IRREVOCABLY WAIVE THE RIGHT TO A TRIAL BY JURY WITH 

RESPECT TO ANY LITIGATION ARISING OUT OF THIS AGREEMENT, RELATING TO THE 

CREDIT, OR ANY OTHER DISPUTE OR CONTROVERSY BETWEEN YOU AND SUNTRUST.

Class Action Waiver

UNLESS YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT AND TO 

THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED TO 

ARBITRATION, YOU AND SUNTRUST HEREBY AGREE THAT ANY LITIGATION ARISING 

OUT OF THIS AGREEMENT, RELATING TO THE ACCOUNT, OR ANY OTHER DISPUTE 

OR CONTROVERSY BETWEEN YOU AND SUNTRUST WILL PROCEED ON AN INDIVIDUAL 

BASIS AND WILL NOT PROCEED AS PART OF A CLASS ACTION AND THAT YOU AND 

SUNTRUST HEREBY KNOWINGLY, VOLUNTARILY, INTENTIONALLY AND IRREVOCABLY 

WAIVE ANY RIGHT TO PROCEED IN A CLASS ACTION OR TO SERVE AS A CLASS 

REPRESENTATIVE.

Other Products and Services

SunTrust will, at Your request, arrange for an overnight courier to deliver 

additional or replacement Cards on an expedited basis. The charge assessed by the 

overnight courier will be added to Your Account Balance. From time to time, new

products, optional services or enhancements (for example, insurance or Card 

registration) may be offered on Your Account. SunTrust is not liable for these 

features, services and enhancements, when they are the responsibility of a 

third party provider. You agree to hold SunTrust harmless from any claims, 

actions or damages resulting from Your use of any of these features, services or 

enhancements, when permitted by applicable law. SunTrust reserves the right to 

adjust, add, or delete benefits and services at any time.

Credit Inquiries

You authorize SunTrust to make or have made any credit, employment, and 

investigative inquiries that SunTrust deems appropriate related to the extension 

or collection of Credit under the Account. If You dispute credit information 

SunTrust is reporting about You, You may notify SunTrust at Cardholder Services, 

Attention: Dispute Department, P.O. Box 620548, Orlando, FL 32862-0548.

Consumer Reporting Agencies (Credit Bureaus)

It is standard banking industry practice and within federal and state law for SunTrust 

routinely to provide data about customer loan repayment and transactions to 

consumer reporting agencies and other creditors. SunTrust may report information 

about Your Account(s) to credit bureaus. Late Payments, missed payments, or 

other Defaults on Your Account(s) may be reflected in Your credit report.

Sharing of Information

SunTrust may, to the extent and in the manner permitted by applicable law, 

communicate information about SunTrust’s experiences and transactions with 

You to consumer reporting agencies, SunTrust’s affiliates, and others who may 

properly receive that information. You may refer to SunTrust’s Privacy Statement 

for more details about how SunTrust collects, uses, retains, discloses, and 

safeguards information about You and Your Account. SunTrust’s Privacy Statement 

is provided when consumer Cardholders establish a customer relationship with 

SunTrust, once each year while Cardholders maintain a customer relationship 

with SunTrust, and at other times required by law. You may request an additional 

copy of SunTrust’s Privacy Statement by calling SunTrust at 866.732.1683 

or sending a written request to SunTrust at Cardholder Services, Attention: 

Customer Service, P.O. Box 621629, Orlando, FL 32862-1629.

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.

The invalidity of any provision of the Agreement will not affect the validity of any 

Waiver

Severability

other provision.

Entire Agreement

This Agreement, as modified from time to time in accordance with applicable law 

by any change in terms that SunTrust will deliver to You (in writing or via update 

to Agreement terms that are published at www.suntrust.com/personal-banking/

credit-cards), constitutes the entire Agreement between You and SunTrust, and 

supersedes any prior negotiation or understanding between You and SunTrust 

concerning the subject matter of this Agreement. Section headings are for 

convenience only and are to be disregarded when interpreting this Agreement.

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 Provision

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.

THIS ARBITRATION PROVISION DOES NOT APPLY IF, AS OF THE DATE OF THIS 

AGREEMENT, YOU ARE A COVERED BORROWER UNDER THE FEDERAL MILITARY 

LENDING ACT. IF YOU WOULD LIKE MORE INFORMATION ABOUT WHETHER YOU 

ARE COVERED BY THE MILITARY LENDING ACT, IN WHICH CASE THIS ARBITRATION 

PROVISION DOES NOT APPLY TO YOU, PLEASE CONTACT US AT 1-844-310-5891. 

YOU HAVE THE RIGHT TO REJECT THIS ARBITRATION PROVISION AS SET FORTH 

BELOW. If You do not reject this Arbitration Provision, for a Claim subject to 

arbitration, neither You nor SunTrust will have the right to: (1) have a court 

or a jury decide the Claim; (2) engage in information-gathering (discovery) 

to the same extent as in court; (3) participate in a class action in court or in 

arbitration; or (4) join or consolidate Your Claim(s) with claims of any other 

person. The right to appeal is more limited in arbitration than in court and 

other rights in court may be unavailable or limited in arbitration.

CREDIT CARD ACCOUNT AGREEMENT

Table of Contents

SUMMARY OF KEY TERMS

Amendment (Changes) and Assignment 

AGREEMENT TERMS

Additional Information

Costs

Overdraft Protection

Payments

Arbitration

Your Billing Rights

Definitions

Card Account 

Agreement (CA)

SUMMARY OF 

KEY TERMS

Each bolded word or phrase is defined in the definitions 

section at the end of this Agreement. A copy of the 

Agreement may be found online at www.suntrust.com/

personal-banking/credit-cards.

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 sign the 

Card or (2) You or an Authorized User use(s) the Card or 

Account, thus obtaining Credit from SunTrust.

What types of 

transactions 

• You may use Your Card/Account to make legal Purchases, 

Cash Advances, Overdraft Advances and Balance 

might You make 

Transfers. You are responsible for transactions that You, 

other Cardholders, and Authorized Users make, whether 

with the Card/

Account and 

how are these 

transactions 

itemized on Your 

bill each month?

What You Pay, 

when, how, and 

what happens if 

You pay late?

How will 

SunTrust apply 

Your payments?

the transactions are legal or not.

• Each type of transaction has different associated costs 

and terms; each transaction type and associated costs are 

grouped together and detailed in Your monthly Statement 

(Card Account bill) by transaction type. The combined 

outstanding amount of each transaction type is Your New 

Balance due on Your Account each month (Billing Period). 

You must pay all Interest Charges, fees, and Other 

Charges properly charged to Your Account.

• SunTrust will send You a monthly Statement (bill). You 

agree to pay all Authorized Charges on the Statement. 

You have the option of paying in full the New Balance 

shown on each Statement or paying in installments that 

at least equal the amount of the Minimum Payment 

shown on Your Statement. In either case, the payment 

Due Date will be at least 25 days after the Closing Date 

of Your Statement.

• The Minimum Payment will include any amount past due 

or over Your Credit Limit plus the greater of (1) $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.

What other 

Your liability for unauthorized use of the Card – what to 

important terms 

do/what happens if Your Card is stolen.

exist in the CA?

P-1786

Rev. 9/17

What other 

important terms 

exist in the CA?

Credit Limits, Authorization, and Convenience Checks – 

Costs on Balance 

• The costs for Balance Transfers consist of (1) interest 

Any reason

None

spending limits/transaction authorization.

Individual Liability – each Cardholder is individually and 

jointly liable for all Authorized Charges.

Termination – You or SunTrust can terminate or suspend 

Your Credit at any time with/without cause.

Sharing of Information – how SunTrust safeguards your 

information/how-when SunTrust may disclose Your information 

to others; refers to SunTrust’s Privacy Statement.

Arbitration – the way in which You and SunTrust agree to 

resolve claims; You have the right to opt out of arbitration 

as the agreed upon claims resolution method.

Billing Dispute Rights – details Your rights if You dispute 

charges/are not satisfied with good/services You procure 

from merchants using Your Card/Account.

Defined Terms – defines all essential terms used in the CA.

Interest Charges 

SunTrust calculates Interest Charges using the Average 

and Transaction 

Fees in General:

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.

Interest Rates 

and Interest 

Charges based 

upon Credit 

Inquiries:

Cost on 

Purchases: 

SunTrust 

will charge 

the Interest 

Charge (unless 

inapplicable 

because of the 

Grace Period) on 

Your Purchases 

from the 

transaction date.

Costs on Cash 

Advances: 

SunTrust will 

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 

charge the Interest 

transaction fees. The DPR Interest Charge is the Average 

Charge on Your 

Cash Advances 

Daily Balance on Cash Advances multiplied by (1) the 

number of days in the Billing Period and (2) the applicable 

from the date they 

DPR. Cash Advances do not have a Grace Period.

are posted to Your 

Account.

Cost on Overdraft 

The cost on Overdraft Advances (DPR Interest Charge) 

Advances: 

is the Average Daily Balance on Overdraft Advances 

SunTrust will charge 

multiplied by (1) the number of days in the Billing Period 

the Interest Charge 

and (2) the applicable DPR. In accordance with its Rules and 

on Your Overdraft 

Regulations for Deposit Accounts, SunTrust will assess You 

Advances from 

its usual deposit account fee for such service, separately, 

the date they are 

and as part of Your deposit Account fees. Overdraft 

posted to Your 

Advances do not have a Grace Period.

Account.

Transfers: 

When SunTrust 

provides You a 

Balance Transfer 

check or Balance 

Transfer request 

form or when You 

request a Balance 

Transfer, SunTrust 

will charge the 

Interest Charge 

on Your Balance 

Transfer from the 

date it is posted 

to Your Account.

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.

Foreign Currency 

• All Purchase and Cash Advance transactions processed in 

Exchange on

Non-US 

Transactions:

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 

Other Charges:

Late Payment Fee. Unless Your Account is exempt from 

Your Account.

• If Your Account has a foreign currency transaction fee, it 

will be shown on the Card Mailer.

• Conversion may occur on a date other than the date of the 

transaction or the date the transaction is posted to Your 

Statement, which may affect the conversion rate used. If 

a Credit transaction is processed and has a processing date 

different than the original transaction, then the exchange 

rate of the Credit can be greater/less than that of the 

original transaction.

Late Payment fees, if SunTrust has not received at least 

the Minimum Payment by its Due Date as shown on a 

Statement, SunTrust will add a Late Payment fee to Your 

Purchase Balance based on the New Balance outstanding 

as of the Closing Date for the Statement.

Annual Fee. If Your Account has an annual fee, it will be 

shown on the Card Mailer, and SunTrust will add the annual 

fee to Your Purchase Balance.

Returned Payment Fee. Unless Your Account is exempt 

from Returned Payment fees, SunTrust will add a Returned 

Payment fee to Your Purchase Balance if (1) a payment 

that You make or authorize is returned to SunTrust unpaid; 

or (2) any Balance Transfer, Cash Advance, or Promotional 

Balance check is dishonored for any reason. This fee may be 

imposed even if Your payment is later re-presented to and 

paid by Your financial institution.

Stop Payment Fee. SunTrust will add a $39.00 stop 

payment fee to Your Purchase Balance if You ask SunTrust 

to stop payment on any Convenience Check drawn on Your 

Account or on any Balance Transfer request.

Documentation Fee. SunTrust will provide copies of 

Statements, sales drafts, etc., to You upon request. If You 

request copies of more than two items during a Billing Period, 

SunTrust will add a fee to Your Purchase Balance up to $5.00 

for each additional copy unless prohibited by applicable law. 

SunTrust will not impose any fee if Your request is made in 

connection with written notice of a billing error.

Minimum Interest 

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).

SunTrust can change some of Your rates and other terms 

in accordance with applicable law. This table shows some 

possible changes.

Type of change

What may trigger 

Advance notice of change

Charges:

Changes

charges

Interest Rate 

In the first 

increase on new 

year, a 

Promotional Rate ends or Index Rate 

changes, no notice; otherwise, 45 days

Advances

Interest Rate 

increase on 

existing Balances

No notice requirement or per terms of the 

workout arrangement

change

Promotional 

Rate ends 

or the Index 

Rate changes; 

after that, any 

reason

Promotional 

period ends, 

Index Rate 

changes, or 

Your Account 

is in a workout 

arrangement

Increase or 

decrease to 

Credit Limit

Some fees and 

other terms

Can change for 

Up to 45 days for certain fees and 

any reason

Minimum Payment changes

Card Account 

Agreement (CA)

SUMMARY OF 

KEY TERMS

Each bolded word or phrase is defined in the definitions 

section at the end of this Agreement. A copy of the 

Agreement may be found online at www.suntrust.com/

personal-banking/credit-cards.

Your Card Account Agreement with SunTrust starts and You agree to 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 

Cost: Interest Charge (Average Daily Balance for 

for Purchases

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.

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 

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 

Cost: Interest Charge (Average Daily Balance for Overdraft 

for Overdraft 

Advances x no. days in Billing Period x DPR)

Interest Charge 

and Transaction 

Fees for Cash 

Advances

transaction fees.

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 

Costs: Interest Charge (Average Daily Balance for Balance 

Transfers x no. days in Billing Period x DPR) + Balance 

Fees for Balance 

Transfer transaction fees.

Transfers

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 

Cost: Interest Charge (Average Daily Balance for 

Promotional Balances x no. days in Billing Period x 

Balances

Promotional Rate DPR)

SunTrust may from time to time offer You a Promotional Rate on certain 

Purchases or Balance Transfers through Promotional Offers. If You accept a 

Promotional Offer, the resulting Promotional Balance will be subject to the 

terms of that specific Promotional Offer and this Agreement. In each Promotional 

Balance program, any new or different terms of the program not disclosed in this 

Agreement (such as the APR, effective dates and other special terms) will be 

detailed in the Promotional Offer.

The DPR Interest Charge is the Average Daily Balance on Promotional Balances 

multiplied by (1) the number of days in the Billing Period and (2) the applicable DPR.

The Promotional Rate will apply to those Promotional Balances until the 

Promotional Offer Termination Date. A Promotional Balance will not, after the 

Termination Date, be eligible for another Promotional Rate.

After the Termination Date, Your Promotional Rate will change to Your regular 

Purchases DPR, unless disclosed otherwise in the Promotional Offer. If the reason 

for the Termination Date is a Delinquency Triggering Event, SunTrust will change 

the DPR that applies to Your new and outstanding Promotional Balances to the 

Purchase DPR and corresponding APR, after SunTrust provides You any notice 

required by applicable law.

Minimum Interest Charge

If You incur Interest Charges in any Billing Period, a minimum Interest Charge 

will post to Your Account (such minimum Interest Charge shown as the “Minimum 

Interest Charge” on Your Statement). If You incur Interest Charges in any Billing 

Period, the Minimum Interest Charge will be no less than the amount disclosed in 

the Card Mailer. SunTrust may allocate the Minimum Interest Charge among Your 

various Balances in the manner that SunTrust elects as permitted by applicable law.

Foreign Currency Exchange for Non-US Transactions

All Purchase and Cash Advance transactions processed in a foreign currency will 

be converted to U.S. dollars under the regulations of the Card Association before 

being charged to Your Account. (The exchange rate that the Card Association uses 

to convert currency is a rate the Card Association selects either from the range 

of rates available in the wholesale currency markets for the applicable processing 

date (which rate may vary from the rate the Card Association itself receives) or 

the government-mandated rate in effect on the applicable processing date.)

Conversion may occur on a date other than the date of the transaction or the date 

the transaction is posted to Your Statement, which may affect the conversion rate 

used. If a Credit transaction is processed and has a processing date different than 

the original transaction, then the exchange rate of the Credit can be greater/less 

than that of the original transaction.

If Your Account has a foreign currency transaction fee, it will be shown on Your 

Card Mailer and will be calculated after each Purchase transaction has been 

converted from a foreign currency.

Other Charges

Late Payment Fee. Unless Your Account is exempt from Late Payment fees, 

if SunTrust has not received at least the Minimum Payment by its Due Date as 

shown on a Statement, SunTrust will add a Late Payment fee to Your Purchase 

Balance based on the New Balance outstanding as of the Closing Date for the 

Statement. The Late Payment fee is stated on the Card Mailer.

Annual Fee. If Your Account has an annual fee, it will be shown on the Card Mailer, 

and SunTrust will add the annual fee to Your Purchase Balance. If an annual 

fee is applicable to Your Account, SunTrust will provide You with notice of that 

annual fee in the manner required by law and explain how You may terminate 

Credit availability under the Account to avoid paying any such annual fee. If You 

do not terminate the Account, the terms disclosed will continue to apply.

Returned Payment Fee. Unless Your Account is exempt from Returned 

Payment fees, SunTrust will add a Returned Payment fee to Your Purchase 

Balance if (1) a payment that You make or authorize is returned to SunTrust 

unpaid (for example, if a check or an electronic funds transfer to SunTrust is 

returned for insufficient funds or is returned because it is not signed or cannot 

be processed for any reason); or (2) any Balance Transfer, Cash Advance, 

or Promotional Balance check is dishonored for any reason. This fee may 

be imposed even if Your payment is later re-presented to and paid by Your 

financial institution. The Returned Payment fee is stated on the Card Mailer.

Stop Payment Fee. SunTrust will add a $39.00 stop payment fee to Your 

Purchase Balance if You ask SunTrust to stop payment on any Convenience 

Check drawn on Your Account or on any Balance Transfer request.

Documentation Fee. SunTrust will provide copies of Items to You upon request. 

If You request copies of more than two Items during a Billing Period, SunTrust 

will add a fee to Your Purchase Balance up to $5.00 for each additional copy 

unless prohibited by applicable law. SunTrust will not impose any fee if Your 

request is made in connection with written notice of a billing error.

Overdraft Protection

If You elect to link Your SunTrust eligible Consumer Checking Account, Savings 

Account or Money Market Savings Account to this SunTrust Credit Card for 

overdraft protection (the “Protected Account”), funds will be transferred from 

Your Credit Card Account (the “Protector Account”) into Your Protected 

Account when checks, bill pay, or other debit transactions would cause Your 

Protected Account to be overdrawn if those transactions are paid. 

Transfers will be made in $100 increments from the Protector Account to Your 

Protected Account. These transfers shall be considered a “Cash Advance” as 

that term is defined under Your Credit Card Account Agreement. Fees and 

interest rates for Cash Advances are disclosed to clients in their Credit Card 

Account Agreement and may be higher than those associated with other Credit 

Card transactions. There is no Grace Period for Cash Advances, meaning finance 

charges will accrue from the date the Cash Advance is posted to Your Credit Card 

Account. If the available Credit on Your Credit Card Account (i.e. Credit Limit 

or the available Cash Advance limit) is insufficient to cover the entire overdraft, 

we may make transfers to pay individual debit Items up to the available accessible 

Credit on Your Credit Card Account. For example, if Your deposit Account has 

a Balance of $10.00 and a check or other debit item for $80.00 is presented for 

payment, which if paid would cause Your deposit Account to be overdrawn, a 

transfer of $100 will be made from Your Credit Card Account to Your deposit 

Account and an overdraft protection Cash Advance of $100 will post to this 

Account. We will also charge an additional Overdraft Protection transfer fee 

to Your Protected Account for each day a transfer is made, as disclosed in the 

Personal Deposit Accounts Fee Schedule. 

Be advised that we reserve the right to not initiate transfers to cover overdrafts 

and to return the debit item(s) for non-sufficient funds. By way of example only, 

we ordinarily will not initiate an overdraft transfer or advance funds as a Cash 

Advance under the following circumstances: (i) if You are in Default under Your 

Credit Card Account Agreement; (ii) if the Cash Advance would cause You to 

exceed the available Credit for a given transaction; (iii) if Your Credit Card is in a 

closed or blocked status (e.g. due to fraud); (iv) if You fail to make a Credit Card 

payment by its Due Date; and/or (v) if You exceed any Credit Card limit on Your 

Credit Card Account. In these instances, an overdraft or returned item fee for 

each debited item will be charged to the Protected Account, which is disclosed in 

the Personal Deposit Accounts Fee Schedule. 

Overdraft protection is only available for active Credit Card Accounts, but be 

advised that linking a deposit Account to a Credit Card does not automatically 

activate that Card. Conversely, cancelling overdraft protection will not cancel a 

Credit Card.

A Cash Advance transfer to the Protected Account due to overdraft protection 

will not activate Your Credit Card. Cancelling overdraft protection will not 

close Your Credit Card. However, closing a Credit Card Account will cancel the 

overdraft protection service.

Payments

What You Pay, When, How, and what happens if You pay late

SunTrust will send Your Statement to the address that the Bank has on file for 

You. You agree to pay all Authorized Charges on the Statement. You have the 

option of paying in full the New Balance shown on each Statement or paying in 

installments that at least equal the amount of the Minimum Payment shown on 

Your Statement.

In either case, the payment Due Date will be at least 25 days after the Closing 

Date. The Minimum Payment will include any amount past due or over the Credit 

Limit plus the greater of (1) $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

Termination

IMPORTANT NOTICE: In accordance with applicable law, SunTrust may unilaterally 
change the APRs, Other Charges, and other terms of this Agreement at any time. 
This includes modifications, deletions and the addition of new provisions, including 
non-financial provisions (for example, SunTrust may add provisions relating to 
SunTrust’s enforcement rights or the resolution of claims and disputes). SunTrust 
will send You notice in accordance with the communication method (in writing or 
via posting of updated Agreement terms at www.suntrust.com/personal-banking/
credit-cards) and in the time and manner required by law for the changes that 
SunTrust intends to make to Your Account and this Agreement. Changes will 
be automatically effective on the date SunTrust specifies, except as otherwise 
provided in any change in terms notice SunTrust provides. Use of Your Account 
is not necessary for a change in terms to be effective. You will have the right to 
reject certain changes and pay off Your Account in the same manner and under 
the same terms and conditions as then in effect, as described in any change 
in terms notice SunTrust provides and as required by applicable law. SunTrust 
may terminate or suspend Your ability to use the Account if You reject certain 
changes, to the extent permitted by applicable law and as described in any 
change in terms notice that SunTrust provides. SunTrust has the right to Assign 
SunTrust’s rights under this Agreement and any amount You owe to SunTrust. You 
do not have the right to assign or transfer Your rights under this Agreement.

Additional Information

Your liability for unauthorized use of the Card

To report a lost/stolen Card call: 866.732.1683. State that You are reporting a 
lost/stolen Card. You must notify the Bank promptly in the event of loss, theft, 
or unauthorized use of Your Card. This notification responsibility means that 
You should regularly check Your Statements to review charges that post to Your 
Account to confirm that unauthorized charges have not posted to Your Account.
You may be liable for the unauthorized use of Your Card. If unauthorized use of 
Your Account occurs, You agree to cooperate with SunTrust and law enforcement 
authorities in identifying the unauthorized user. However, You will not be liable 
for unauthorized use that occurs after You notify SunTrust orally or in writing of 
the loss, theft, or possible unauthorized use. In any case, Your liability will not 
exceed $50 for each occurrence of loss or theft or any lesser amount required by 
applicable law or the requirements of the Card Association. You may write to 
SunTrust at: Cardholder Services, P.O. Box 621569, Orlando, FL 32862-1569.

Ownership of the Card

Your Card and any Convenience Checks or other Credit instrument or device that 
SunTrust provides to You are SunTrust’s property and must be returned to SunTrust 
or SunTrust’s agent immediately upon demand. At SunTrust’s request You will 
destroy Your Card, other Credit instruments or devices and/or special checks, by 
cutting them in half and surrendering those items to SunTrust or SunTrust’s agent by 
mailing them to SunTrust or dropping them off at SunTrust’s office.

Credit Limits, Authorization, and Convenience Checks

Unless Your Account type or SunTrust permits You to exceed Your Credit Limit, 
You agree to not exceed the Credit Limit that SunTrust establishes for You, but 
if You do, You agree to pay the over Credit Limit amount as part of Your next 
Minimum Payment. SunTrust may raise or lower Your Credit Limit at SunTrust’s 
discretion, as permitted by applicable law. SunTrust is not liable to You for 
decreases that affect Your Credit Limit or spending limits. Each of You may 
request an increase to the Credit Limit of a joint Account. If You were required to 
have a joint Account because one of You was less than 21 years of age when Your 
Account was opened and that individual remains less than 21 years of age when 
SunTrust considers raising the Credit Limit of Your joint Account, SunTrust will 
not increase the Credit Limit until all of You approve and assume in writing joint 
liability for an increase to the Credit Limit of the joint Account. SunTrust may 
establish separate limits that restrict the amount of the Credit Limit available 
for Cash Advances or Balance Transfers. SunTrust may decline authorization for 
any transaction at any time. SunTrust is not liable for declining authorization for 
any transaction, regardless of SunTrust’s reason. All transactions on Your Account 
are subject to approval based upon Your Account status, available Credit, credit 
history and other factors. You may not stop the payment of any Card transaction.

SunTrust may reject and return unpaid any Convenience Check that You write for 

any reason. You must pay SunTrust for any Convenience Check that SunTrust pays, 

even if SunTrust were permitted to reject and return the Convenience Check, 

unless the Convenience Check constitutes unauthorized use. SunTrust may refuse 

to issue Convenience Checks or, upon notice to You, refuse to permit the use 

of Convenience Checks already issued. You may call SunTrust at 800.477.9702 

to place a stop payment on an unpaid Convenience Check. SunTrust will charge 

the stop payment fee. You must provide SunTrust the date, amount, name of 

payee, and the number of the Convenience Check. If any information You provide 

is incorrect or if You do not afford SunTrust a reasonable opportunity to act on 

Your request, SunTrust may not be able to stop payment. Once a Convenience 

Check has been paid, SunTrust will not be able to reverse the payment. Your stop 

payment request will remain valid for 6 months. You must renew Your request 

before it expires if You want SunTrust to continue honoring the stop payment 

request after the initial 6 month period. You agree to hold harmless and indemnify 

SunTrust from any losses, expenses and costs, including attorneys’ fees incurred 

by SunTrust, for preventing or failing to prevent payment.

Individual Liability

You, as a Cardholder, are liable for all Credit obtained under Your Account(s), 

whether obtained by You, another Cardholder or an Authorized User of the 

Account. If there is more than one Cardholder on the Account, each of You 

is liable, jointly and severally, for all Credit obtained under the Account(s), 

regardless of which of You obtains that Credit or benefits from it.

Either You or SunTrust may terminate this Agreement or suspend Your Credit 

privileges under this Agreement at any time, with or without cause. You will 

not try to make any Purchases or Balance Transfers or try to obtain any Cash 

Advances or Overdraft Advances on Your Account after Your Credit privileges 

have been terminated or suspended. However, this Agreement will otherwise 

remain in full force and effect until You pay all sums due SunTrust.

Applicable Law

Applicable Law. Except as expressly set forth in the Arbitration Provision of this 

Agreement, this Agreement and the interpretation and enforcement thereof 

(including but not limited to the exportation of interest rates) will be governed 

by Federal law applicable to SunTrust and, to the extent not preempted by 

Federal law, the laws of the State of Georgia without regard to its conflicts of law 

provisions and principles. If there is any conflict between any of the terms and 

conditions of this Agreement and applicable Federal or State law, this Agreement 

will be considered changed to the extent necessary to comply with the applicable 

law. You agree that all terms of this Agreement are material to the determination 

of interest. SunTrust accepts this Agreement in its home state, Georgia.

Military Lending Act

The Military Lending Act provides protections for certain members of the Armed 

Forces and their dependents (“Covered Borrowers”). The provisions of this section 

apply to Covered Borrowers under the Military Lending Act. If you would like 

more information about whether you are a Covered Borrower and whether this 

section applies to you, please contact us at 1-844-310-5891. Statement of MAPR. 

Federal law provides important protections to members of the Armed Forces and 

their dependents relating to extensions of consumer credit. In general, the cost 

of consumer credit to a member of the Armed Forces and his or her dependent 

may not exceed an Annual Percentage Rate of 36%. This rate must include, as 

applicable to the credit transaction or account: (1) the costs associated with credit 

insurance premiums; (2) fees for ancillary products sold in connection with the 

credit transaction; (3) any application fee charged (other than certain application 

fees for specified credit transactions or accounts); and (4) any participation 

fee charged (other than certain participation fees for a credit card account). 

Oral Disclosures. In order to hear important Military Lending Act disclosures 

and payment information provided in this Note, please call 1-844-310-5891. 

Applicability of Jury Trial Waiver, Class Action Waiver, and Arbitration Provision. 

The Jury Trial Waiver, Class Action Waiver, and Arbitration Provision set forth in this 

Note do not apply to Covered Borrowers under the Military Lending Act.

Jury Trial Waiver

UNLESS YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT AND TO 

THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED 

TO ARBITRATION, YOU AND SUNTRUST HEREBY KNOWINGLY, VOLUNTARILY, 

INTENTIONALLY AND IRREVOCABLY WAIVE THE RIGHT TO A TRIAL BY JURY WITH 

RESPECT TO ANY LITIGATION ARISING OUT OF THIS AGREEMENT, RELATING TO THE 

CREDIT, OR ANY OTHER DISPUTE OR CONTROVERSY BETWEEN YOU AND SUNTRUST.

Class Action Waiver

UNLESS YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT AND TO 

THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED TO 

ARBITRATION, YOU AND SUNTRUST HEREBY AGREE THAT ANY LITIGATION ARISING 

OUT OF THIS AGREEMENT, RELATING TO THE ACCOUNT, OR ANY OTHER DISPUTE 

OR CONTROVERSY BETWEEN YOU AND SUNTRUST WILL PROCEED ON AN INDIVIDUAL 

BASIS AND WILL NOT PROCEED AS PART OF A CLASS ACTION AND THAT YOU AND 

SUNTRUST HEREBY KNOWINGLY, VOLUNTARILY, INTENTIONALLY AND IRREVOCABLY 

WAIVE ANY RIGHT TO PROCEED IN A CLASS ACTION OR TO SERVE AS A CLASS 

REPRESENTATIVE.

Other Products and Services

SunTrust will, at Your request, arrange for an overnight courier to deliver 

additional or replacement Cards on an expedited basis. The charge assessed by the 

overnight courier will be added to Your Account Balance. From time to time, new

products, optional services or enhancements (for example, insurance or Card 

registration) may be offered on Your Account. SunTrust is not liable for these 

features, services and enhancements, when they are the responsibility of a 

third party provider. You agree to hold SunTrust harmless from any claims, 

actions or damages resulting from Your use of any of these features, services or 

enhancements, when permitted by applicable law. SunTrust reserves the right to 

adjust, add, or delete benefits and services at any time.

Credit Inquiries

You authorize SunTrust to make or have made any credit, employment, and 

investigative inquiries that SunTrust deems appropriate related to the extension 

or collection of Credit under the Account. If You dispute credit information 

SunTrust is reporting about You, You may notify SunTrust at Cardholder Services, 

Attention: Dispute Department, P.O. Box 620548, Orlando, FL 32862-0548.

Consumer Reporting Agencies (Credit Bureaus)

It is standard banking industry practice and within federal and state law for SunTrust 

routinely to provide data about customer loan repayment and transactions to 

consumer reporting agencies and other creditors. SunTrust may report information 

about Your Account(s) to credit bureaus. Late Payments, missed payments, or 

other Defaults on Your Account(s) may be reflected in Your credit report.

Sharing of Information

SunTrust may, to the extent and in the manner permitted by applicable law, 

communicate information about SunTrust’s experiences and transactions with 

You to consumer reporting agencies, SunTrust’s affiliates, and others who may 

properly receive that information. You may refer to SunTrust’s Privacy Statement 

for more details about how SunTrust collects, uses, retains, discloses, and 

safeguards information about You and Your Account. SunTrust’s Privacy Statement 

is provided when consumer Cardholders establish a customer relationship with 

SunTrust, once each year while Cardholders maintain a customer relationship 

with SunTrust, and at other times required by law. You may request an additional 

copy of SunTrust’s Privacy Statement by calling SunTrust at 866.732.1683 

or sending a written request to SunTrust at Cardholder Services, Attention: 

Customer Service, P.O. Box 621629, Orlando, FL 32862-1629.

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.

The invalidity of any provision of the Agreement will not affect the validity of any 

Waiver

Severability

other provision.

Entire Agreement

This Agreement, as modified from time to time in accordance with applicable law 

by any change in terms that SunTrust will deliver to You (in writing or via update 

to Agreement terms that are published at www.suntrust.com/personal-banking/

credit-cards), constitutes the entire Agreement between You and SunTrust, and 

supersedes any prior negotiation or understanding between You and SunTrust 

concerning the subject matter of this Agreement. Section headings are for 

convenience only and are to be disregarded when interpreting this Agreement.

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 Provision

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.

THIS ARBITRATION PROVISION DOES NOT APPLY IF, AS OF THE DATE OF THIS 

AGREEMENT, YOU ARE A COVERED BORROWER UNDER THE FEDERAL MILITARY 

LENDING ACT. IF YOU WOULD LIKE MORE INFORMATION ABOUT WHETHER YOU 

ARE COVERED BY THE MILITARY LENDING ACT, IN WHICH CASE THIS ARBITRATION 

PROVISION DOES NOT APPLY TO YOU, PLEASE CONTACT US AT 1-844-310-5891. 

YOU HAVE THE RIGHT TO REJECT THIS ARBITRATION PROVISION AS SET FORTH 

BELOW. If You do not reject this Arbitration Provision, for a Claim subject to 

arbitration, neither You nor SunTrust will have the right to: (1) have a court 

or a jury decide the Claim; (2) engage in information-gathering (discovery) 

to the same extent as in court; (3) participate in a class action in court or in 

arbitration; or (4) join or consolidate Your Claim(s) with claims of any other 

person. The right to appeal is more limited in arbitration than in court and 

other rights in court may be unavailable or limited in arbitration.

CREDIT CARD ACCOUNT AGREEMENT

Table of Contents

SUMMARY OF KEY TERMS

Amendment (Changes) and Assignment 

AGREEMENT TERMS

Additional Information

Costs

Overdraft Protection

Payments

Arbitration

Your Billing Rights

Definitions

Card Account 

Agreement (CA)

SUMMARY OF 

KEY TERMS

Each bolded word or phrase is defined in the definitions 

section at the end of this Agreement. A copy of the 

Agreement may be found online at www.suntrust.com/

personal-banking/credit-cards.

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 sign the 

Card or (2) You or an Authorized User use(s) the Card or 

Account, thus obtaining Credit from SunTrust.

What types of 

transactions 

• You may use Your Card/Account to make legal Purchases, 

Cash Advances, Overdraft Advances and Balance 

might You make 

Transfers. You are responsible for transactions that You, 

other Cardholders, and Authorized Users make, whether 

with the Card/

Account and 

how are these 

transactions 

itemized on Your 

bill each month?

What You Pay, 

when, how, and 

what happens if 

You pay late?

How will 

SunTrust apply 

Your payments?

the transactions are legal or not.

• Each type of transaction has different associated costs 

and terms; each transaction type and associated costs are 

grouped together and detailed in Your monthly Statement 

(Card Account bill) by transaction type. The combined 

outstanding amount of each transaction type is Your New 

Balance due on Your Account each month (Billing Period). 

You must pay all Interest Charges, fees, and Other 

Charges properly charged to Your Account.

• SunTrust will send You a monthly Statement (bill). You 

agree to pay all Authorized Charges on the Statement. 

You have the option of paying in full the New Balance 

shown on each Statement or paying in installments that 

at least equal the amount of the Minimum Payment 

shown on Your Statement. In either case, the payment 

Due Date will be at least 25 days after the Closing Date 

of Your Statement.

• The Minimum Payment will include any amount past due 

or over Your Credit Limit plus the greater of (1) $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.

What other 

Your liability for unauthorized use of the Card – what to 

important terms 

do/what happens if Your Card is stolen.

exist in the CA?

P-1786

Rev. 9/17

What other 

important terms 

exist in the CA?

Credit Limits, Authorization, and Convenience Checks – 

Costs on Balance 

• The costs for Balance Transfers consist of (1) interest 

Any reason

None

spending limits/transaction authorization.

Individual Liability – each Cardholder is individually and 

jointly liable for all Authorized Charges.

Termination – You or SunTrust can terminate or suspend 

Your Credit at any time with/without cause.

Sharing of Information – how SunTrust safeguards your 

information/how-when SunTrust may disclose Your information 

to others; refers to SunTrust’s Privacy Statement.

Arbitration – the way in which You and SunTrust agree to 

resolve claims; You have the right to opt out of arbitration 

as the agreed upon claims resolution method.

Billing Dispute Rights – details Your rights if You dispute 

charges/are not satisfied with good/services You procure 

from merchants using Your Card/Account.

Defined Terms – defines all essential terms used in the CA.

Interest Charges 

SunTrust calculates Interest Charges using the Average 

and Transaction 

Fees in General:

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.

Interest Rates 

and Interest 

Charges based 

upon Credit 

Inquiries:

Cost on 

Purchases: 

SunTrust 

will charge 

the Interest 

Charge (unless 

inapplicable 

because of the 

Grace Period) on 

Your Purchases 

from the 

transaction date.

Costs on Cash 

Advances: 

SunTrust will 

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 

charge the Interest 

transaction fees. The DPR Interest Charge is the Average 

Charge on Your 

Cash Advances 

Daily Balance on Cash Advances multiplied by (1) the 

number of days in the Billing Period and (2) the applicable 

from the date they 

DPR. Cash Advances do not have a Grace Period.

are posted to Your 

Account.

Cost on Overdraft 

The cost on Overdraft Advances (DPR Interest Charge) 

Advances: 

is the Average Daily Balance on Overdraft Advances 

SunTrust will charge 

multiplied by (1) the number of days in the Billing Period 

the Interest Charge 

and (2) the applicable DPR. In accordance with its Rules and 

on Your Overdraft 

Regulations for Deposit Accounts, SunTrust will assess You 

Advances from 

its usual deposit account fee for such service, separately, 

the date they are 

and as part of Your deposit Account fees. Overdraft 

posted to Your 

Advances do not have a Grace Period.

Account.

Transfers: 

When SunTrust 

provides You a 

Balance Transfer 

check or Balance 

Transfer request 

form or when You 

request a Balance 

Transfer, SunTrust 

will charge the 

Interest Charge 

on Your Balance 

Transfer from the 

date it is posted 

to Your Account.

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.

Foreign Currency 

• All Purchase and Cash Advance transactions processed in 

Exchange on

Non-US 

Transactions:

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 

Other Charges:

Late Payment Fee. Unless Your Account is exempt from 

Your Account.

• If Your Account has a foreign currency transaction fee, it 

will be shown on the Card Mailer.

• Conversion may occur on a date other than the date of the 

transaction or the date the transaction is posted to Your 

Statement, which may affect the conversion rate used. If 

a Credit transaction is processed and has a processing date 

different than the original transaction, then the exchange 

rate of the Credit can be greater/less than that of the 

original transaction.

Late Payment fees, if SunTrust has not received at least 

the Minimum Payment by its Due Date as shown on a 

Statement, SunTrust will add a Late Payment fee to Your 

Purchase Balance based on the New Balance outstanding 

as of the Closing Date for the Statement.

Annual Fee. If Your Account has an annual fee, it will be 

shown on the Card Mailer, and SunTrust will add the annual 

fee to Your Purchase Balance.

Returned Payment Fee. Unless Your Account is exempt 

from Returned Payment fees, SunTrust will add a Returned 

Payment fee to Your Purchase Balance if (1) a payment 

that You make or authorize is returned to SunTrust unpaid; 

or (2) any Balance Transfer, Cash Advance, or Promotional 

Balance check is dishonored for any reason. This fee may be 

imposed even if Your payment is later re-presented to and 

paid by Your financial institution.

Stop Payment Fee. SunTrust will add a $39.00 stop 

payment fee to Your Purchase Balance if You ask SunTrust 

to stop payment on any Convenience Check drawn on Your 

Account or on any Balance Transfer request.

Documentation Fee. SunTrust will provide copies of 

Statements, sales drafts, etc., to You upon request. If You 

request copies of more than two items during a Billing Period, 

SunTrust will add a fee to Your Purchase Balance up to $5.00 

for each additional copy unless prohibited by applicable law. 

SunTrust will not impose any fee if Your request is made in 

connection with written notice of a billing error.

Minimum Interest 

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).

SunTrust can change some of Your rates and other terms 

in accordance with applicable law. This table shows some 

possible changes.

Type of change

What may trigger 

Advance notice of change

Charges:

Changes

charges

Interest Rate 

In the first 

increase on new 

year, a 

Promotional Rate ends or Index Rate 

changes, no notice; otherwise, 45 days

Advances

Interest Rate 

increase on 

existing Balances

No notice requirement or per terms of the 

workout arrangement

change

Promotional 

Rate ends 

or the Index 

Rate changes; 

after that, any 

reason

Promotional 

period ends, 

Index Rate 

changes, or 

Your Account 

is in a workout 

arrangement

Increase or 

decrease to 

Credit Limit

Some fees and 

other terms

Can change for 

Up to 45 days for certain fees and 

any reason

Minimum Payment changes

Card Account 

Agreement (CA)

SUMMARY OF 

KEY TERMS

Each bolded word or phrase is defined in the definitions 

section at the end of this Agreement. A copy of the 

Agreement may be found online at www.suntrust.com/

personal-banking/credit-cards.

Your Card Account Agreement with SunTrust starts and You agree to 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 

Cost: Interest Charge (Average Daily Balance for 

for Purchases

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.

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 

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 

Cost: Interest Charge (Average Daily Balance for Overdraft 

for Overdraft 

Advances x no. days in Billing Period x DPR)

Interest Charge 

and Transaction 

Fees for Cash 

Advances

transaction fees.

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 

Costs: Interest Charge (Average Daily Balance for Balance 

Transfers x no. days in Billing Period x DPR) + Balance 

Fees for Balance 

Transfer transaction fees.

Transfers

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 

Cost: Interest Charge (Average Daily Balance for 

Promotional Balances x no. days in Billing Period x 

Balances

Promotional Rate DPR)

SunTrust may from time to time offer You a Promotional Rate on certain 

Purchases or Balance Transfers through Promotional Offers. If You accept a 

Promotional Offer, the resulting Promotional Balance will be subject to the 

terms of that specific Promotional Offer and this Agreement. In each Promotional 

Balance program, any new or different terms of the program not disclosed in this 

Agreement (such as the APR, effective dates and other special terms) will be 

detailed in the Promotional Offer.

The DPR Interest Charge is the Average Daily Balance on Promotional Balances 

multiplied by (1) the number of days in the Billing Period and (2) the applicable DPR.

The Promotional Rate will apply to those Promotional Balances until the 

Promotional Offer Termination Date. A Promotional Balance will not, after the 

Termination Date, be eligible for another Promotional Rate.

After the Termination Date, Your Promotional Rate will change to Your regular 

Purchases DPR, unless disclosed otherwise in the Promotional Offer. If the reason 

for the Termination Date is a Delinquency Triggering Event, SunTrust will change 

the DPR that applies to Your new and outstanding Promotional Balances to the 

Purchase DPR and corresponding APR, after SunTrust provides You any notice 

required by applicable law.

Minimum Interest Charge

If You incur Interest Charges in any Billing Period, a minimum Interest Charge 

will post to Your Account (such minimum Interest Charge shown as the “Minimum 

Interest Charge” on Your Statement). If You incur Interest Charges in any Billing 

Period, the Minimum Interest Charge will be no less than the amount disclosed in 

the Card Mailer. SunTrust may allocate the Minimum Interest Charge among Your 

various Balances in the manner that SunTrust elects as permitted by applicable law.

Foreign Currency Exchange for Non-US Transactions

All Purchase and Cash Advance transactions processed in a foreign currency will 

be converted to U.S. dollars under the regulations of the Card Association before 

being charged to Your Account. (The exchange rate that the Card Association uses 

to convert currency is a rate the Card Association selects either from the range 

of rates available in the wholesale currency markets for the applicable processing 

date (which rate may vary from the rate the Card Association itself receives) or 

the government-mandated rate in effect on the applicable processing date.)

Conversion may occur on a date other than the date of the transaction or the date 

the transaction is posted to Your Statement, which may affect the conversion rate 

used. If a Credit transaction is processed and has a processing date different than 

the original transaction, then the exchange rate of the Credit can be greater/less 

than that of the original transaction.

If Your Account has a foreign currency transaction fee, it will be shown on Your 

Card Mailer and will be calculated after each Purchase transaction has been 

converted from a foreign currency.

Other Charges

Late Payment Fee. Unless Your Account is exempt from Late Payment fees, 

if SunTrust has not received at least the Minimum Payment by its Due Date as 

shown on a Statement, SunTrust will add a Late Payment fee to Your Purchase 

Balance based on the New Balance outstanding as of the Closing Date for the 

Statement. The Late Payment fee is stated on the Card Mailer.

Annual Fee. If Your Account has an annual fee, it will be shown on the Card Mailer, 

and SunTrust will add the annual fee to Your Purchase Balance. If an annual 

fee is applicable to Your Account, SunTrust will provide You with notice of that 

annual fee in the manner required by law and explain how You may terminate 

Credit availability under the Account to avoid paying any such annual fee. If You 

do not terminate the Account, the terms disclosed will continue to apply.

Returned Payment Fee. Unless Your Account is exempt from Returned 

Payment fees, SunTrust will add a Returned Payment fee to Your Purchase 

Balance if (1) a payment that You make or authorize is returned to SunTrust 

unpaid (for example, if a check or an electronic funds transfer to SunTrust is 

returned for insufficient funds or is returned because it is not signed or cannot 

be processed for any reason); or (2) any Balance Transfer, Cash Advance, 

or Promotional Balance check is dishonored for any reason. This fee may 

be imposed even if Your payment is later re-presented to and paid by Your 

financial institution. The Returned Payment fee is stated on the Card Mailer.

Stop Payment Fee. SunTrust will add a $39.00 stop payment fee to Your 

Purchase Balance if You ask SunTrust to stop payment on any Convenience 

Check drawn on Your Account or on any Balance Transfer request.

Documentation Fee. SunTrust will provide copies of Items to You upon request. 

If You request copies of more than two Items during a Billing Period, SunTrust 

will add a fee to Your Purchase Balance up to $5.00 for each additional copy 

unless prohibited by applicable law. SunTrust will not impose any fee if Your 

request is made in connection with written notice of a billing error.

Overdraft Protection

If You elect to link Your SunTrust eligible Consumer Checking Account, Savings 

Account or Money Market Savings Account to this SunTrust Credit Card for 

overdraft protection (the “Protected Account”), funds will be transferred from 

Your Credit Card Account (the “Protector Account”) into Your Protected 

Account when checks, bill pay, or other debit transactions would cause Your 

Protected Account to be overdrawn if those transactions are paid. 

Transfers will be made in $100 increments from the Protector Account to Your 

Protected Account. These transfers shall be considered a “Cash Advance” as 

that term is defined under Your Credit Card Account Agreement. Fees and 

interest rates for Cash Advances are disclosed to clients in their Credit Card 

Account Agreement and may be higher than those associated with other Credit 

Card transactions. There is no Grace Period for Cash Advances, meaning finance 

charges will accrue from the date the Cash Advance is posted to Your Credit Card 

Account. If the available Credit on Your Credit Card Account (i.e. Credit Limit 

or the available Cash Advance limit) is insufficient to cover the entire overdraft, 

we may make transfers to pay individual debit Items up to the available accessible 

Credit on Your Credit Card Account. For example, if Your deposit Account has 

a Balance of $10.00 and a check or other debit item for $80.00 is presented for 

payment, which if paid would cause Your deposit Account to be overdrawn, a 

transfer of $100 will be made from Your Credit Card Account to Your deposit 

Account and an overdraft protection Cash Advance of $100 will post to this 

Account. We will also charge an additional Overdraft Protection transfer fee 

to Your Protected Account for each day a transfer is made, as disclosed in the 

Personal Deposit Accounts Fee Schedule. 

Be advised that we reserve the right to not initiate transfers to cover overdrafts 

and to return the debit item(s) for non-sufficient funds. By way of example only, 

we ordinarily will not initiate an overdraft transfer or advance funds as a Cash 

Advance under the following circumstances: (i) if You are in Default under Your 

Credit Card Account Agreement; (ii) if the Cash Advance would cause You to 

exceed the available Credit for a given transaction; (iii) if Your Credit Card is in a 

closed or blocked status (e.g. due to fraud); (iv) if You fail to make a Credit Card 

payment by its Due Date; and/or (v) if You exceed any Credit Card limit on Your 

Credit Card Account. In these instances, an overdraft or returned item fee for 

each debited item will be charged to the Protected Account, which is disclosed in 

the Personal Deposit Accounts Fee Schedule. 

Overdraft protection is only available for active Credit Card Accounts, but be 

advised that linking a deposit Account to a Credit Card does not automatically 

activate that Card. Conversely, cancelling overdraft protection will not cancel a 

Credit Card.

A Cash Advance transfer to the Protected Account due to overdraft protection 

will not activate Your Credit Card. Cancelling overdraft protection will not 

close Your Credit Card. However, closing a Credit Card Account will cancel the 

overdraft protection service.

Payments

What You Pay, When, How, and what happens if You pay late

SunTrust will send Your Statement to the address that the Bank has on file for 

You. You agree to pay all Authorized Charges on the Statement. You have the 

option of paying in full the New Balance shown on each Statement or paying in 

installments that at least equal the amount of the Minimum Payment shown on 

Your Statement.

In either case, the payment Due Date will be at least 25 days after the Closing 

Date. The Minimum Payment will include any amount past due or over the Credit 

Limit plus the greater of (1) $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.

IMPORTANT NOTICE: In accordance with applicable law, SunTrust may unilaterally 

change the APRs, Other Charges, and other terms of this Agreement at any time. 

This includes modifications, deletions and the addition of new provisions, including 

non-financial provisions (for example, SunTrust may add provisions relating to 

SunTrust’s enforcement rights or the resolution of claims and disputes). SunTrust 

will send You notice in accordance with the communication method (in writing or 

via posting of updated Agreement terms at www.suntrust.com/personal-banking/

credit-cards) and in the time and manner required by law for the changes that 

SunTrust intends to make to Your Account and this Agreement. Changes will 

be automatically effective on the date SunTrust specifies, except as otherwise 

provided in any change in terms notice SunTrust provides. Use of Your Account 

is not necessary for a change in terms to be effective. You will have the right to 

reject certain changes and pay off Your Account in the same manner and under 

the same terms and conditions as then in effect, as described in any change 

in terms notice SunTrust provides and as required by applicable law. SunTrust 

may terminate or suspend Your ability to use the Account if You reject certain 

changes, to the extent permitted by applicable law and as described in any 

change in terms notice that SunTrust provides. SunTrust has the right to Assign 

SunTrust’s rights under this Agreement and any amount You owe to SunTrust. You 

do not have the right to assign or transfer Your rights under this Agreement.

Additional Information

Your liability for unauthorized use of the Card

To report a lost/stolen Card call: 866.732.1683. State that You are reporting a 

lost/stolen Card. You must notify the Bank promptly in the event of loss, theft, 

or unauthorized use of Your Card. This notification responsibility means that 

You should regularly check Your Statements to review charges that post to Your 

Account to confirm that unauthorized charges have not posted to Your Account.

You may be liable for the unauthorized use of Your Card. If unauthorized use of 

Your Account occurs, You agree to cooperate with SunTrust and law enforcement 

authorities in identifying the unauthorized user. However, You will not be liable 

for unauthorized use that occurs after You notify SunTrust orally or in writing of 

the loss, theft, or possible unauthorized use. In any case, Your liability will not 

exceed $50 for each occurrence of loss or theft or any lesser amount required by 

applicable law or the requirements of the Card Association. You may write to 

SunTrust at: Cardholder Services, P.O. Box 621569, Orlando, FL 32862-1569.

Ownership of the Card

Your Card and any Convenience Checks or other Credit instrument or device that 

SunTrust provides to You are SunTrust’s property and must be returned to SunTrust 

or SunTrust’s agent immediately upon demand. At SunTrust’s request You will 

destroy Your Card, other Credit instruments or devices and/or special checks, by 

cutting them in half and surrendering those items to SunTrust or SunTrust’s agent by 

mailing them to SunTrust or dropping them off at SunTrust’s office.

Credit Limits, Authorization, and Convenience Checks

Unless Your Account type or SunTrust permits You to exceed Your Credit Limit, 

You agree to not exceed the Credit Limit that SunTrust establishes for You, but 

if You do, You agree to pay the over Credit Limit amount as part of Your next 

Minimum Payment. SunTrust may raise or lower Your Credit Limit at SunTrust’s 

discretion, as permitted by applicable law. SunTrust is not liable to You for 

decreases that affect Your Credit Limit or spending limits. Each of You may 

request an increase to the Credit Limit of a joint Account. If You were required to 

have a joint Account because one of You was less than 21 years of age when Your 

Account was opened and that individual remains less than 21 years of age when 

SunTrust considers raising the Credit Limit of Your joint Account, SunTrust will 

not increase the Credit Limit until all of You approve and assume in writing joint 

liability for an increase to the Credit Limit of the joint Account. SunTrust may 

establish separate limits that restrict the amount of the Credit Limit available 

for Cash Advances or Balance Transfers. SunTrust may decline authorization for 

any transaction at any time. SunTrust is not liable for declining authorization for 

any transaction, regardless of SunTrust’s reason. All transactions on Your Account 

are subject to approval based upon Your Account status, available Credit, credit 

history and other factors. You may not stop the payment of any Card transaction.

SunTrust may reject and return unpaid any Convenience Check that You write for 
any reason. You must pay SunTrust for any Convenience Check that SunTrust pays, 
even if SunTrust were permitted to reject and return the Convenience Check, 
unless the Convenience Check constitutes unauthorized use. SunTrust may refuse 
to issue Convenience Checks or, upon notice to You, refuse to permit the use 
of Convenience Checks already issued. You may call SunTrust at 800.477.9702 
to place a stop payment on an unpaid Convenience Check. SunTrust will charge 
the stop payment fee. You must provide SunTrust the date, amount, name of 
payee, and the number of the Convenience Check. If any information You provide 
is incorrect or if You do not afford SunTrust a reasonable opportunity to act on 
Your request, SunTrust may not be able to stop payment. Once a Convenience 
Check has been paid, SunTrust will not be able to reverse the payment. Your stop 
payment request will remain valid for 6 months. You must renew Your request 
before it expires if You want SunTrust to continue honoring the stop payment 
request after the initial 6 month period. You agree to hold harmless and indemnify 
SunTrust from any losses, expenses and costs, including attorneys’ fees incurred 
by SunTrust, for preventing or failing to prevent payment.

Individual Liability

You, as a Cardholder, are liable for all Credit obtained under Your Account(s), 
whether obtained by You, another Cardholder or an Authorized User of the 
Account. If there is more than one Cardholder on the Account, each of You 
is liable, jointly and severally, for all Credit obtained under the Account(s), 
regardless of which of You obtains that Credit or benefits from it.

Amendment (Changes) and Assignment

Termination

Either You or SunTrust may terminate this Agreement or suspend Your Credit 
privileges under this Agreement at any time, with or without cause. You will 
not try to make any Purchases or Balance Transfers or try to obtain any Cash 
Advances or Overdraft Advances on Your Account after Your Credit privileges 
have been terminated or suspended. However, this Agreement will otherwise 
remain in full force and effect until You pay all sums due SunTrust.

Applicable Law

Applicable Law. Except as expressly set forth in the Arbitration Provision of this 
Agreement, this Agreement and the interpretation and enforcement thereof 
(including but not limited to the exportation of interest rates) will be governed 
by Federal law applicable to SunTrust and, to the extent not preempted by 
Federal law, the laws of the State of Georgia without regard to its conflicts of law 
provisions and principles. If there is any conflict between any of the terms and 
conditions of this Agreement and applicable Federal or State law, this Agreement 
will be considered changed to the extent necessary to comply with the applicable 
law. You agree that all terms of this Agreement are material to the determination 
of interest. SunTrust accepts this Agreement in its home state, Georgia.

Military Lending Act

The Military Lending Act provides protections for certain members of the Armed 
Forces and their dependents (“Covered Borrowers”). The provisions of this section 
apply to Covered Borrowers under the Military Lending Act. If you would like 
more information about whether you are a Covered Borrower and whether this 
section applies to you, please contact us at 1-844-310-5891. Statement of MAPR. 
Federal law provides important protections to members of the Armed Forces and 
their dependents relating to extensions of consumer credit. In general, the cost 
of consumer credit to a member of the Armed Forces and his or her dependent 
may not exceed an Annual Percentage Rate of 36%. This rate must include, as 
applicable to the credit transaction or account: (1) the costs associated with credit 
insurance premiums; (2) fees for ancillary products sold in connection with the 
credit transaction; (3) any application fee charged (other than certain application 
fees for specified credit transactions or accounts); and (4) any participation 
fee charged (other than certain participation fees for a credit card account). 
Oral Disclosures. In order to hear important Military Lending Act disclosures 
and payment information provided in this Note, please call 1-844-310-5891. 
Applicability of Jury Trial Waiver, Class Action Waiver, and Arbitration Provision. 
The Jury Trial Waiver, Class Action Waiver, and Arbitration Provision set forth in this 
Note do not apply to Covered Borrowers under the Military Lending Act.

Jury Trial Waiver

UNLESS YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT AND TO 
THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED 
TO ARBITRATION, YOU AND SUNTRUST HEREBY KNOWINGLY, VOLUNTARILY, 
INTENTIONALLY AND IRREVOCABLY WAIVE THE RIGHT TO A TRIAL BY JURY WITH 
RESPECT TO ANY LITIGATION ARISING OUT OF THIS AGREEMENT, RELATING TO THE 
CREDIT, OR ANY OTHER DISPUTE OR CONTROVERSY BETWEEN YOU AND SUNTRUST.

Class Action Waiver

UNLESS YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT AND TO 
THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED TO 
ARBITRATION, YOU AND SUNTRUST HEREBY AGREE THAT ANY LITIGATION ARISING 
OUT OF THIS AGREEMENT, RELATING TO THE ACCOUNT, OR ANY OTHER DISPUTE 
OR CONTROVERSY BETWEEN YOU AND SUNTRUST WILL PROCEED ON AN INDIVIDUAL 
BASIS AND WILL NOT PROCEED AS PART OF A CLASS ACTION AND THAT YOU AND 
SUNTRUST HEREBY KNOWINGLY, VOLUNTARILY, INTENTIONALLY AND IRREVOCABLY 
WAIVE ANY RIGHT TO PROCEED IN A CLASS ACTION OR TO SERVE AS A CLASS 
REPRESENTATIVE.

Other Products and Services

SunTrust will, at Your request, arrange for an overnight courier to deliver 
additional or replacement Cards on an expedited basis. The charge assessed by the 
overnight courier will be added to Your Account Balance. From time to time, new

products, optional services or enhancements (for example, insurance or Card 

registration) may be offered on Your Account. SunTrust is not liable for these 

features, services and enhancements, when they are the responsibility of a 

third party provider. You agree to hold SunTrust harmless from any claims, 

actions or damages resulting from Your use of any of these features, services or 

enhancements, when permitted by applicable law. SunTrust reserves the right to 

adjust, add, or delete benefits and services at any time.

Credit Inquiries

You authorize SunTrust to make or have made any credit, employment, and 

investigative inquiries that SunTrust deems appropriate related to the extension 

or collection of Credit under the Account. If You dispute credit information 

SunTrust is reporting about You, You may notify SunTrust at Cardholder Services, 

Attention: Dispute Department, P.O. Box 620548, Orlando, FL 32862-0548.

Consumer Reporting Agencies (Credit Bureaus)

It is standard banking industry practice and within federal and state law for SunTrust 

routinely to provide data about customer loan repayment and transactions to 

consumer reporting agencies and other creditors. SunTrust may report information 

about Your Account(s) to credit bureaus. Late Payments, missed payments, or 

other Defaults on Your Account(s) may be reflected in Your credit report.

Sharing of Information

SunTrust may, to the extent and in the manner permitted by applicable law, 

communicate information about SunTrust’s experiences and transactions with 

You to consumer reporting agencies, SunTrust’s affiliates, and others who may 

properly receive that information. You may refer to SunTrust’s Privacy Statement 

for more details about how SunTrust collects, uses, retains, discloses, and 

safeguards information about You and Your Account. SunTrust’s Privacy Statement 

is provided when consumer Cardholders establish a customer relationship with 

SunTrust, once each year while Cardholders maintain a customer relationship 

with SunTrust, and at other times required by law. You may request an additional 

copy of SunTrust’s Privacy Statement by calling SunTrust at 866.732.1683 

or sending a written request to SunTrust at Cardholder Services, Attention: 

Customer Service, P.O. Box 621629, Orlando, FL 32862-1629.

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.

The invalidity of any provision of the Agreement will not affect the validity of any 

Waiver

Severability

other provision.

Entire Agreement

This Agreement, as modified from time to time in accordance with applicable law 

by any change in terms that SunTrust will deliver to You (in writing or via update 

to Agreement terms that are published at www.suntrust.com/personal-banking/

credit-cards), constitutes the entire Agreement between You and SunTrust, and 

supersedes any prior negotiation or understanding between You and SunTrust 

concerning the subject matter of this Agreement. Section headings are for 

convenience only and are to be disregarded when interpreting this Agreement.

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 Provision

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.

THIS ARBITRATION PROVISION DOES NOT APPLY IF, AS OF THE DATE OF THIS 

AGREEMENT, YOU ARE A COVERED BORROWER UNDER THE FEDERAL MILITARY 

LENDING ACT. IF YOU WOULD LIKE MORE INFORMATION ABOUT WHETHER YOU 

ARE COVERED BY THE MILITARY LENDING ACT, IN WHICH CASE THIS ARBITRATION 

PROVISION DOES NOT APPLY TO YOU, PLEASE CONTACT US AT 1-844-310-5891. 

YOU HAVE THE RIGHT TO REJECT THIS ARBITRATION PROVISION AS SET FORTH 

BELOW. If You do not reject this Arbitration Provision, for a Claim subject to 

arbitration, neither You nor SunTrust will have the right to: (1) have a court 

or a jury decide the Claim; (2) engage in information-gathering (discovery) 

to the same extent as in court; (3) participate in a class action in court or in 

arbitration; or (4) join or consolidate Your Claim(s) with claims of any other 

person. The right to appeal is more limited in arbitration than in court and 

other rights in court may be unavailable or limited in arbitration.

CREDIT CARD ACCOUNT AGREEMENT

Table of Contents

SUMMARY OF KEY TERMS

Amendment (Changes) and Assignment 

AGREEMENT TERMS

Additional Information

Costs

Overdraft Protection

Payments

Arbitration

Your Billing Rights

Definitions

Card Account 

Agreement (CA)

SUMMARY OF 

KEY TERMS

Each bolded word or phrase is defined in the definitions 

section at the end of this Agreement. A copy of the 

Agreement may be found online at www.suntrust.com/

personal-banking/credit-cards.

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 sign the 

Card or (2) You or an Authorized User use(s) the Card or 

Account, thus obtaining Credit from SunTrust.

What types of 

transactions 

• You may use Your Card/Account to make legal Purchases, 

Cash Advances, Overdraft Advances and Balance 

might You make 

Transfers. You are responsible for transactions that You, 

other Cardholders, and Authorized Users make, whether 

with the Card/

Account and 

how are these 

transactions 

itemized on Your 

bill each month?

What You Pay, 

when, how, and 

what happens if 

You pay late?

How will 

SunTrust apply 

Your payments?

the transactions are legal or not.

• Each type of transaction has different associated costs 

and terms; each transaction type and associated costs are 

grouped together and detailed in Your monthly Statement 

(Card Account bill) by transaction type. The combined 

outstanding amount of each transaction type is Your New 

Balance due on Your Account each month (Billing Period). 

You must pay all Interest Charges, fees, and Other 

Charges properly charged to Your Account.

• SunTrust will send You a monthly Statement (bill). You 

agree to pay all Authorized Charges on the Statement. 

You have the option of paying in full the New Balance 

shown on each Statement or paying in installments that 

at least equal the amount of the Minimum Payment 

shown on Your Statement. In either case, the payment 

Due Date will be at least 25 days after the Closing Date 

of Your Statement.

• The Minimum Payment will include any amount past due 

or over Your Credit Limit plus the greater of (1) $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.

What other 

Your liability for unauthorized use of the Card – what to 

important terms 

do/what happens if Your Card is stolen.

exist in the CA?

P-1786

Rev. 9/17

What other 

important terms 

exist in the CA?

Credit Limits, Authorization, and Convenience Checks – 

Costs on Balance 

• The costs for Balance Transfers consist of (1) interest 

Any reason

None

spending limits/transaction authorization.

Individual Liability – each Cardholder is individually and 

jointly liable for all Authorized Charges.

Termination – You or SunTrust can terminate or suspend 

Your Credit at any time with/without cause.

Sharing of Information – how SunTrust safeguards your 

information/how-when SunTrust may disclose Your information 

to others; refers to SunTrust’s Privacy Statement.

Arbitration – the way in which You and SunTrust agree to 

resolve claims; You have the right to opt out of arbitration 

as the agreed upon claims resolution method.

Billing Dispute Rights – details Your rights if You dispute 

charges/are not satisfied with good/services You procure 

from merchants using Your Card/Account.

Defined Terms – defines all essential terms used in the CA.

Interest Charges 

SunTrust calculates Interest Charges using the Average 

and Transaction 

Fees in General:

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.

Interest Rates 

and Interest 

Charges based 

upon Credit 

Inquiries:

Cost on 

Purchases: 

SunTrust 

will charge 

the Interest 

Charge (unless 

inapplicable 

because of the 

Grace Period) on 

Your Purchases 

from the 

transaction date.

Costs on Cash 

Advances: 

SunTrust will 

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 

charge the Interest 

transaction fees. The DPR Interest Charge is the Average 

Charge on Your 

Cash Advances 

Daily Balance on Cash Advances multiplied by (1) the 

number of days in the Billing Period and (2) the applicable 

from the date they 

DPR. Cash Advances do not have a Grace Period.

are posted to Your 

Account.

Cost on Overdraft 

The cost on Overdraft Advances (DPR Interest Charge) 

Advances: 

is the Average Daily Balance on Overdraft Advances 

SunTrust will charge 

multiplied by (1) the number of days in the Billing Period 

the Interest Charge 

and (2) the applicable DPR. In accordance with its Rules and 

on Your Overdraft 

Regulations for Deposit Accounts, SunTrust will assess You 

Advances from 

its usual deposit account fee for such service, separately, 

the date they are 

and as part of Your deposit Account fees. Overdraft 

posted to Your 

Advances do not have a Grace Period.

Account.

Transfers: 

When SunTrust 

provides You a 

Balance Transfer 

check or Balance 

Transfer request 

form or when You 

request a Balance 

Transfer, SunTrust 

will charge the 

Interest Charge 

on Your Balance 

Transfer from the 

date it is posted 

to Your Account.

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.

Foreign Currency 

• All Purchase and Cash Advance transactions processed in 

Exchange on

Non-US 

Transactions:

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 

Other Charges:

Late Payment Fee. Unless Your Account is exempt from 

Your Account.

• If Your Account has a foreign currency transaction fee, it 

will be shown on the Card Mailer.

• Conversion may occur on a date other than the date of the 

transaction or the date the transaction is posted to Your 

Statement, which may affect the conversion rate used. If 

a Credit transaction is processed and has a processing date 

different than the original transaction, then the exchange 

rate of the Credit can be greater/less than that of the 

original transaction.

Late Payment fees, if SunTrust has not received at least 

the Minimum Payment by its Due Date as shown on a 

Statement, SunTrust will add a Late Payment fee to Your 

Purchase Balance based on the New Balance outstanding 

as of the Closing Date for the Statement.

Annual Fee. If Your Account has an annual fee, it will be 

shown on the Card Mailer, and SunTrust will add the annual 

fee to Your Purchase Balance.

Returned Payment Fee. Unless Your Account is exempt 

from Returned Payment fees, SunTrust will add a Returned 

Payment fee to Your Purchase Balance if (1) a payment 

that You make or authorize is returned to SunTrust unpaid; 

or (2) any Balance Transfer, Cash Advance, or Promotional 

Balance check is dishonored for any reason. This fee may be 

imposed even if Your payment is later re-presented to and 

paid by Your financial institution.

Stop Payment Fee. SunTrust will add a $39.00 stop 

payment fee to Your Purchase Balance if You ask SunTrust 

to stop payment on any Convenience Check drawn on Your 

Account or on any Balance Transfer request.

Documentation Fee. SunTrust will provide copies of 

Statements, sales drafts, etc., to You upon request. If You 

request copies of more than two items during a Billing Period, 

SunTrust will add a fee to Your Purchase Balance up to $5.00 

for each additional copy unless prohibited by applicable law. 

SunTrust will not impose any fee if Your request is made in 

connection with written notice of a billing error.

Minimum Interest 

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).

SunTrust can change some of Your rates and other terms 

in accordance with applicable law. This table shows some 

possible changes.

Type of change

What may trigger 

Advance notice of change

Charges:

Changes

charges

Interest Rate 

In the first 

increase on new 

year, a 

Promotional Rate ends or Index Rate 

changes, no notice; otherwise, 45 days

Advances

Interest Rate 

increase on 

existing Balances

No notice requirement or per terms of the 

workout arrangement

change

Promotional 

Rate ends 

or the Index 

Rate changes; 

after that, any 

reason

Promotional 

period ends, 

Index Rate 

changes, or 

Your Account 

is in a workout 

arrangement

Increase or 

decrease to 

Credit Limit

Some fees and 

other terms

Can change for 

Up to 45 days for certain fees and 

any reason

Minimum Payment changes

Card Account 

Agreement (CA)

SUMMARY OF 

KEY TERMS

Each bolded word or phrase is defined in the definitions 

section at the end of this Agreement. A copy of the 

Agreement may be found online at www.suntrust.com/

personal-banking/credit-cards.

Your Card Account Agreement with SunTrust starts and You agree to 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 

Cost: Interest Charge (Average Daily Balance for 

for Purchases

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.

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 

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 

Cost: Interest Charge (Average Daily Balance for Overdraft 

for Overdraft 

Advances x no. days in Billing Period x DPR)

Interest Charge 

and Transaction 

Fees for Cash 

Advances

transaction fees.

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 

Costs: Interest Charge (Average Daily Balance for Balance 

Transfers x no. days in Billing Period x DPR) + Balance 

Fees for Balance 

Transfer transaction fees.

Transfers

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 

Cost: Interest Charge (Average Daily Balance for 

Promotional Balances x no. days in Billing Period x 

Balances

Promotional Rate DPR)

SunTrust may from time to time offer You a Promotional Rate on certain 

Purchases or Balance Transfers through Promotional Offers. If You accept a 

Promotional Offer, the resulting Promotional Balance will be subject to the 

terms of that specific Promotional Offer and this Agreement. In each Promotional 

Balance program, any new or different terms of the program not disclosed in this 

Agreement (such as the APR, effective dates and other special terms) will be 

detailed in the Promotional Offer.

The DPR Interest Charge is the Average Daily Balance on Promotional Balances 

multiplied by (1) the number of days in the Billing Period and (2) the applicable DPR.

The Promotional Rate will apply to those Promotional Balances until the 

Promotional Offer Termination Date. A Promotional Balance will not, after the 

Termination Date, be eligible for another Promotional Rate.

After the Termination Date, Your Promotional Rate will change to Your regular 

Purchases DPR, unless disclosed otherwise in the Promotional Offer. If the reason 

for the Termination Date is a Delinquency Triggering Event, SunTrust will change 

the DPR that applies to Your new and outstanding Promotional Balances to the 

Purchase DPR and corresponding APR, after SunTrust provides You any notice 

required by applicable law.

Minimum Interest Charge

If You incur Interest Charges in any Billing Period, a minimum Interest Charge 

will post to Your Account (such minimum Interest Charge shown as the “Minimum 

Interest Charge” on Your Statement). If You incur Interest Charges in any Billing 

Period, the Minimum Interest Charge will be no less than the amount disclosed in 

the Card Mailer. SunTrust may allocate the Minimum Interest Charge among Your 

various Balances in the manner that SunTrust elects as permitted by applicable law.

Foreign Currency Exchange for Non-US Transactions

All Purchase and Cash Advance transactions processed in a foreign currency will 

be converted to U.S. dollars under the regulations of the Card Association before 

being charged to Your Account. (The exchange rate that the Card Association uses 

to convert currency is a rate the Card Association selects either from the range 

of rates available in the wholesale currency markets for the applicable processing 

date (which rate may vary from the rate the Card Association itself receives) or 

the government-mandated rate in effect on the applicable processing date.)

Conversion may occur on a date other than the date of the transaction or the date 

the transaction is posted to Your Statement, which may affect the conversion rate 

used. If a Credit transaction is processed and has a processing date different than 

the original transaction, then the exchange rate of the Credit can be greater/less 

than that of the original transaction.

If Your Account has a foreign currency transaction fee, it will be shown on Your 

Card Mailer and will be calculated after each Purchase transaction has been 

converted from a foreign currency.

Other Charges

Late Payment Fee. Unless Your Account is exempt from Late Payment fees, 

if SunTrust has not received at least the Minimum Payment by its Due Date as 

shown on a Statement, SunTrust will add a Late Payment fee to Your Purchase 

Balance based on the New Balance outstanding as of the Closing Date for the 

Statement. The Late Payment fee is stated on the Card Mailer.

Annual Fee. If Your Account has an annual fee, it will be shown on the Card Mailer, 

and SunTrust will add the annual fee to Your Purchase Balance. If an annual 

fee is applicable to Your Account, SunTrust will provide You with notice of that 

annual fee in the manner required by law and explain how You may terminate 

Credit availability under the Account to avoid paying any such annual fee. If You 

do not terminate the Account, the terms disclosed will continue to apply.

Returned Payment Fee. Unless Your Account is exempt from Returned 

Payment fees, SunTrust will add a Returned Payment fee to Your Purchase 

Balance if (1) a payment that You make or authorize is returned to SunTrust 

unpaid (for example, if a check or an electronic funds transfer to SunTrust is 

returned for insufficient funds or is returned because it is not signed or cannot 

be processed for any reason); or (2) any Balance Transfer, Cash Advance, 

or Promotional Balance check is dishonored for any reason. This fee may 

be imposed even if Your payment is later re-presented to and paid by Your 

financial institution. The Returned Payment fee is stated on the Card Mailer.

Stop Payment Fee. SunTrust will add a $39.00 stop payment fee to Your 

Purchase Balance if You ask SunTrust to stop payment on any Convenience 

Check drawn on Your Account or on any Balance Transfer request.

Documentation Fee. SunTrust will provide copies of Items to You upon request. 

If You request copies of more than two Items during a Billing Period, SunTrust 

will add a fee to Your Purchase Balance up to $5.00 for each additional copy 

unless prohibited by applicable law. SunTrust will not impose any fee if Your 

request is made in connection with written notice of a billing error.

Overdraft Protection

If You elect to link Your SunTrust eligible Consumer Checking Account, Savings 

Account or Money Market Savings Account to this SunTrust Credit Card for 

overdraft protection (the “Protected Account”), funds will be transferred from 

Your Credit Card Account (the “Protector Account”) into Your Protected 

Account when checks, bill pay, or other debit transactions would cause Your 

Protected Account to be overdrawn if those transactions are paid. 

Transfers will be made in $100 increments from the Protector Account to Your 

Protected Account. These transfers shall be considered a “Cash Advance” as 

that term is defined under Your Credit Card Account Agreement. Fees and 

interest rates for Cash Advances are disclosed to clients in their Credit Card 

Account Agreement and may be higher than those associated with other Credit 

Card transactions. There is no Grace Period for Cash Advances, meaning finance 

charges will accrue from the date the Cash Advance is posted to Your Credit Card 

Account. If the available Credit on Your Credit Card Account (i.e. Credit Limit 

or the available Cash Advance limit) is insufficient to cover the entire overdraft, 

we may make transfers to pay individual debit Items up to the available accessible 

Credit on Your Credit Card Account. For example, if Your deposit Account has 

a Balance of $10.00 and a check or other debit item for $80.00 is presented for 

payment, which if paid would cause Your deposit Account to be overdrawn, a 

transfer of $100 will be made from Your Credit Card Account to Your deposit 

Account and an overdraft protection Cash Advance of $100 will post to this 

Account. We will also charge an additional Overdraft Protection transfer fee 

to Your Protected Account for each day a transfer is made, as disclosed in the 

Personal Deposit Accounts Fee Schedule. 

Be advised that we reserve the right to not initiate transfers to cover overdrafts 

and to return the debit item(s) for non-sufficient funds. By way of example only, 

we ordinarily will not initiate an overdraft transfer or advance funds as a Cash 

Advance under the following circumstances: (i) if You are in Default under Your 

Credit Card Account Agreement; (ii) if the Cash Advance would cause You to 

exceed the available Credit for a given transaction; (iii) if Your Credit Card is in a 

closed or blocked status (e.g. due to fraud); (iv) if You fail to make a Credit Card 

payment by its Due Date; and/or (v) if You exceed any Credit Card limit on Your 

Credit Card Account. In these instances, an overdraft or returned item fee for 

each debited item will be charged to the Protected Account, which is disclosed in 

the Personal Deposit Accounts Fee Schedule. 

Overdraft protection is only available for active Credit Card Accounts, but be 

advised that linking a deposit Account to a Credit Card does not automatically 

activate that Card. Conversely, cancelling overdraft protection will not cancel a 

Credit Card.

A Cash Advance transfer to the Protected Account due to overdraft protection 

will not activate Your Credit Card. Cancelling overdraft protection will not 

close Your Credit Card. However, closing a Credit Card Account will cancel the 

overdraft protection service.

Payments

What You Pay, When, How, and what happens if You pay late

SunTrust will send Your Statement to the address that the Bank has on file for 

You. You agree to pay all Authorized Charges on the Statement. You have the 

option of paying in full the New Balance shown on each Statement or paying in 

installments that at least equal the amount of the Minimum Payment shown on 

Your Statement.

In either case, the payment Due Date will be at least 25 days after the Closing 

Date. The Minimum Payment will include any amount past due or over the Credit 

Limit plus the greater of (1) $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

Amendment (Changes) and Assignment

Termination

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.

IMPORTANT NOTICE: In accordance with applicable law, SunTrust may unilaterally 

change the APRs, Other Charges, and other terms of this Agreement at any time. 

This includes modifications, deletions and the addition of new provisions, including 

non-financial provisions (for example, SunTrust may add provisions relating to 

SunTrust’s enforcement rights or the resolution of claims and disputes). SunTrust 

will send You notice in accordance with the communication method (in writing or 

via posting of updated Agreement terms at www.suntrust.com/personal-banking/

credit-cards) and in the time and manner required by law for the changes that 

SunTrust intends to make to Your Account and this Agreement. Changes will 

be automatically effective on the date SunTrust specifies, except as otherwise 

provided in any change in terms notice SunTrust provides. Use of Your Account 

is not necessary for a change in terms to be effective. You will have the right to 

reject certain changes and pay off Your Account in the same manner and under 

the same terms and conditions as then in effect, as described in any change 

in terms notice SunTrust provides and as required by applicable law. SunTrust 

may terminate or suspend Your ability to use the Account if You reject certain 

changes, to the extent permitted by applicable law and as described in any 

change in terms notice that SunTrust provides. SunTrust has the right to Assign 

SunTrust’s rights under this Agreement and any amount You owe to SunTrust. You 

do not have the right to assign or transfer Your rights under this Agreement.

Additional Information

Your liability for unauthorized use of the Card

To report a lost/stolen Card call: 866.732.1683. State that You are reporting a 

lost/stolen Card. You must notify the Bank promptly in the event of loss, theft, 

or unauthorized use of Your Card. This notification responsibility means that 

You should regularly check Your Statements to review charges that post to Your 

Account to confirm that unauthorized charges have not posted to Your Account.

You may be liable for the unauthorized use of Your Card. If unauthorized use of 

Your Account occurs, You agree to cooperate with SunTrust and law enforcement 

authorities in identifying the unauthorized user. However, You will not be liable 

for unauthorized use that occurs after You notify SunTrust orally or in writing of 

the loss, theft, or possible unauthorized use. In any case, Your liability will not 

exceed $50 for each occurrence of loss or theft or any lesser amount required by 

applicable law or the requirements of the Card Association. You may write to 

SunTrust at: Cardholder Services, P.O. Box 621569, Orlando, FL 32862-1569.

Ownership of the Card

Your Card and any Convenience Checks or other Credit instrument or device that 

SunTrust provides to You are SunTrust’s property and must be returned to SunTrust 

or SunTrust’s agent immediately upon demand. At SunTrust’s request You will 

destroy Your Card, other Credit instruments or devices and/or special checks, by 

cutting them in half and surrendering those items to SunTrust or SunTrust’s agent by 

mailing them to SunTrust or dropping them off at SunTrust’s office.

Credit Limits, Authorization, and Convenience Checks

Unless Your Account type or SunTrust permits You to exceed Your Credit Limit, 

You agree to not exceed the Credit Limit that SunTrust establishes for You, but 

if You do, You agree to pay the over Credit Limit amount as part of Your next 

Minimum Payment. SunTrust may raise or lower Your Credit Limit at SunTrust’s 

discretion, as permitted by applicable law. SunTrust is not liable to You for 

decreases that affect Your Credit Limit or spending limits. Each of You may 

request an increase to the Credit Limit of a joint Account. If You were required to 

have a joint Account because one of You was less than 21 years of age when Your 

Account was opened and that individual remains less than 21 years of age when 

SunTrust considers raising the Credit Limit of Your joint Account, SunTrust will 

not increase the Credit Limit until all of You approve and assume in writing joint 

liability for an increase to the Credit Limit of the joint Account. SunTrust may 

establish separate limits that restrict the amount of the Credit Limit available 

for Cash Advances or Balance Transfers. SunTrust may decline authorization for 

any transaction at any time. SunTrust is not liable for declining authorization for 

any transaction, regardless of SunTrust’s reason. All transactions on Your Account 

are subject to approval based upon Your Account status, available Credit, credit 

history and other factors. You may not stop the payment of any Card transaction.

SunTrust may reject and return unpaid any Convenience Check that You write for 

any reason. You must pay SunTrust for any Convenience Check that SunTrust pays, 

even if SunTrust were permitted to reject and return the Convenience Check, 

unless the Convenience Check constitutes unauthorized use. SunTrust may refuse 

to issue Convenience Checks or, upon notice to You, refuse to permit the use 

of Convenience Checks already issued. You may call SunTrust at 800.477.9702 

to place a stop payment on an unpaid Convenience Check. SunTrust will charge 

the stop payment fee. You must provide SunTrust the date, amount, name of 

payee, and the number of the Convenience Check. If any information You provide 

is incorrect or if You do not afford SunTrust a reasonable opportunity to act on 

Your request, SunTrust may not be able to stop payment. Once a Convenience 

Check has been paid, SunTrust will not be able to reverse the payment. Your stop 

payment request will remain valid for 6 months. You must renew Your request 

before it expires if You want SunTrust to continue honoring the stop payment 

request after the initial 6 month period. You agree to hold harmless and indemnify 

SunTrust from any losses, expenses and costs, including attorneys’ fees incurred 

by SunTrust, for preventing or failing to prevent payment.

Individual Liability

You, as a Cardholder, are liable for all Credit obtained under Your Account(s), 

whether obtained by You, another Cardholder or an Authorized User of the 

Account. If there is more than one Cardholder on the Account, each of You 

is liable, jointly and severally, for all Credit obtained under the Account(s), 

regardless of which of You obtains that Credit or benefits from it.

Either You or SunTrust may terminate this Agreement or suspend Your Credit 

privileges under this Agreement at any time, with or without cause. You will 

not try to make any Purchases or Balance Transfers or try to obtain any Cash 

Advances or Overdraft Advances on Your Account after Your Credit privileges 

have been terminated or suspended. However, this Agreement will otherwise 

remain in full force and effect until You pay all sums due SunTrust.

Applicable Law

Applicable Law. Except as expressly set forth in the Arbitration Provision of this 

Agreement, this Agreement and the interpretation and enforcement thereof 

(including but not limited to the exportation of interest rates) will be governed 

by Federal law applicable to SunTrust and, to the extent not preempted by 

Federal law, the laws of the State of Georgia without regard to its conflicts of law 

provisions and principles. If there is any conflict between any of the terms and 

conditions of this Agreement and applicable Federal or State law, this Agreement 

will be considered changed to the extent necessary to comply with the applicable 

law. You agree that all terms of this Agreement are material to the determination 

of interest. SunTrust accepts this Agreement in its home state, Georgia.

Military Lending Act

The Military Lending Act provides protections for certain members of the Armed 

Forces and their dependents (“Covered Borrowers”). The provisions of this section 

apply to Covered Borrowers under the Military Lending Act. If you would like 

more information about whether you are a Covered Borrower and whether this 

section applies to you, please contact us at 1-844-310-5891. Statement of MAPR. 

Federal law provides important protections to members of the Armed Forces and 

their dependents relating to extensions of consumer credit. In general, the cost 

of consumer credit to a member of the Armed Forces and his or her dependent 

may not exceed an Annual Percentage Rate of 36%. This rate must include, as 

applicable to the credit transaction or account: (1) the costs associated with credit 

insurance premiums; (2) fees for ancillary products sold in connection with the 

credit transaction; (3) any application fee charged (other than certain application 

fees for specified credit transactions or accounts); and (4) any participation 

fee charged (other than certain participation fees for a credit card account). 

Oral Disclosures. In order to hear important Military Lending Act disclosures 

and payment information provided in this Note, please call 1-844-310-5891. 

Applicability of Jury Trial Waiver, Class Action Waiver, and Arbitration Provision. 

The Jury Trial Waiver, Class Action Waiver, and Arbitration Provision set forth in this 

Note do not apply to Covered Borrowers under the Military Lending Act.

Jury Trial Waiver

UNLESS YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT AND TO 

THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED 

TO ARBITRATION, YOU AND SUNTRUST HEREBY KNOWINGLY, VOLUNTARILY, 

INTENTIONALLY AND IRREVOCABLY WAIVE THE RIGHT TO A TRIAL BY JURY WITH 

RESPECT TO ANY LITIGATION ARISING OUT OF THIS AGREEMENT, RELATING TO THE 

CREDIT, OR ANY OTHER DISPUTE OR CONTROVERSY BETWEEN YOU AND SUNTRUST.

Class Action Waiver

UNLESS YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT AND TO 

THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED TO 

ARBITRATION, YOU AND SUNTRUST HEREBY AGREE THAT ANY LITIGATION ARISING 

OUT OF THIS AGREEMENT, RELATING TO THE ACCOUNT, OR ANY OTHER DISPUTE 

OR CONTROVERSY BETWEEN YOU AND SUNTRUST WILL PROCEED ON AN INDIVIDUAL 

BASIS AND WILL NOT PROCEED AS PART OF A CLASS ACTION AND THAT YOU AND 

SUNTRUST HEREBY KNOWINGLY, VOLUNTARILY, INTENTIONALLY AND IRREVOCABLY 

WAIVE ANY RIGHT TO PROCEED IN A CLASS ACTION OR TO SERVE AS A CLASS 

REPRESENTATIVE.

Other Products and Services

SunTrust will, at Your request, arrange for an overnight courier to deliver 

additional or replacement Cards on an expedited basis. The charge assessed by the 

overnight courier will be added to Your Account Balance. From time to time, new

products, optional services or enhancements (for example, insurance or Card 
registration) may be offered on Your Account. SunTrust is not liable for these 
features, services and enhancements, when they are the responsibility of a 
third party provider. You agree to hold SunTrust harmless from any claims, 
actions or damages resulting from Your use of any of these features, services or 
enhancements, when permitted by applicable law. SunTrust reserves the right to 
adjust, add, or delete benefits and services at any time.

Credit Inquiries

You authorize SunTrust to make or have made any credit, employment, and 
investigative inquiries that SunTrust deems appropriate related to the extension 
or collection of Credit under the Account. If You dispute credit information 
SunTrust is reporting about You, You may notify SunTrust at Cardholder Services, 
Attention: Dispute Department, P.O. Box 620548, Orlando, FL 32862-0548.

Consumer Reporting Agencies (Credit Bureaus)

It is standard banking industry practice and within federal and state law for SunTrust 
routinely to provide data about customer loan repayment and transactions to 
consumer reporting agencies and other creditors. SunTrust may report information 
about Your Account(s) to credit bureaus. Late Payments, missed payments, or 
other Defaults on Your Account(s) may be reflected in Your credit report.

Sharing of Information

SunTrust may, to the extent and in the manner permitted by applicable law, 
communicate information about SunTrust’s experiences and transactions with 
You to consumer reporting agencies, SunTrust’s affiliates, and others who may 
properly receive that information. You may refer to SunTrust’s Privacy Statement 
for more details about how SunTrust collects, uses, retains, discloses, and 
safeguards information about You and Your Account. SunTrust’s Privacy Statement 
is provided when consumer Cardholders establish a customer relationship with 
SunTrust, once each year while Cardholders maintain a customer relationship 
with SunTrust, and at other times required by law. You may request an additional 
copy of SunTrust’s Privacy Statement by calling SunTrust at 866.732.1683 
or sending a written request to SunTrust at Cardholder Services, Attention: 
Customer Service, P.O. Box 621629, Orlando, FL 32862-1629.

Waiver

SunTrust’s failure to exercise, or SunTrust’s delay in exercising, any of SunTrust’s 
rights under the Agreement for any reason will not mean that SunTrust will be 
unable to exercise those rights later.

Severability

The invalidity of any provision of the Agreement will not affect the validity of any 
other provision.

Entire Agreement

This Agreement, as modified from time to time in accordance with applicable law 
by any change in terms that SunTrust will deliver to You (in writing or via update 
to Agreement terms that are published at www.suntrust.com/personal-banking/
credit-cards), constitutes the entire Agreement between You and SunTrust, and 
supersedes any prior negotiation or understanding between You and SunTrust 
concerning the subject matter of this Agreement. Section headings are for 
convenience only and are to be disregarded when interpreting this Agreement.

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 Provision

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.
THIS ARBITRATION PROVISION DOES NOT APPLY IF, AS OF THE DATE OF THIS 
AGREEMENT, YOU ARE A COVERED BORROWER UNDER THE FEDERAL MILITARY 
LENDING ACT. IF YOU WOULD LIKE MORE INFORMATION ABOUT WHETHER YOU 
ARE COVERED BY THE MILITARY LENDING ACT, IN WHICH CASE THIS ARBITRATION 
PROVISION DOES NOT APPLY TO YOU, PLEASE CONTACT US AT 1-844-310-5891. 
YOU HAVE THE RIGHT TO REJECT THIS ARBITRATION PROVISION AS SET FORTH 
BELOW. If You do not reject this Arbitration Provision, for a Claim subject to 
arbitration, neither You nor SunTrust will have the right to: (1) have a court 
or a jury decide the Claim; (2) engage in information-gathering (discovery) 
to the same extent as in court; (3) participate in a class action in court or in 
arbitration; or (4) join or consolidate Your Claim(s) with claims of any other 
person. The right to appeal is more limited in arbitration than in court and 
other rights in court may be unavailable or limited in arbitration.

Right to Reject Arbitration Provision

Your rights If You are dissatisfied with a Purchase

Claims Subject to Arbitration

A “Claim” subject to arbitration is 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.

Excluded Claim or Proceeding

Notwithstanding the foregoing, 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) the exercising of 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).

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. To the extent state law is 
applicable under FAA, the law of the state governing Your Account relationship 
with SunTrust shall apply.

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 filed against SunTrust by a state or 
federal government agency, 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 Claim(s) (but not as to any other Claim(s) that have been or 
are later brought), subject to the right to appeal the limitation or invalidation of 
the Class Action Waiver. You and SunTrust acknowledge and agree that under no 
circumstances will a class action be arbitrated.

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 SunTrust Bank Legal Department, Attn: General Counsel – Arbitration Election, 
Mail Code 0643, 303 Peachtree St., N.E., 36th Floor, Atlanta, Georgia 30308 and our 
notice must be sent to the most recent address for You in our files. Any arbitration 
hearing that you attend must take place in a venue reasonably convenient to you. If 
a party files a lawsuit in court asserting Claim(s) that are subject to arbitration and 
the other party files a motion to compel arbitration with the court which is granted, 
it will be the responsibility of the party prosecuting the Claim(s) to commence the 
arbitration proceeding with an arbitration administrator in accordance with this 
Arbitration Provision and the administrator’s rules and procedures.

The arbitration will be administered by JAMS, 1920 Main Street, Suite 300, Irvine, 

CA 92614, www.jamsadr.com, 800.352.5267. The rules and forms of JAMS may be 

obtained by writing to JAMS at the address listed above or visiting their website. 

If JAMS is unable or unwilling to serve as administrator, You and SunTrust may 

agree upon another administrator or, if You and SunTrustare unable to agree, a 

court shall determine the administrator. No company may serve as administrator, 

without the consent of both You and SunTrust, if it adopts or has in place any 

formal or informal policy that is inconsistent with and purports to override the 

terms of this Arbitration Provision. The arbitration will proceed in accordance with 

this Arbitration Provision and the administrator’s rules and procedures including 

any expedited procedures but in the event of a conflict, the provisions of this 

Arbitration Provision shall control.

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. 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 shall 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. 

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.

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 other administrator used, the provisions of this 

Arbitration Provision will control.

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 

involves 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 administered by the administrator. The panel will reconsider 

anew any aspect of the initial award requested by the appealing party. 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 Procedures.” 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 thirty (30) days, to 

resolve the Claim. Such a Claim notification must be sent to SunTrust by certified 

mail, return receipt requested, at SunTrust Bank Legal Department, Attention: 

General Counsel – Claim Notice, 303 Peachtree Street N.E., Suite 3600, Mail Code 

0643, Atlanta, Georgia 30308. This is the sole and only method by which You can 

submit a Claim notification. If (1) You submit a Claim notification in accordance 

with this paragraph on Your own behalf (and not on behalf of any other party); 

(2) You cooperate with SunTrust by promptly providing the information SunTrust 

reasonably requests; (3) SunTrust refuses to provide You with the relief You 

request; and (4) the matter then proceeds to arbitration and the arbitrator 

subsequently determines that You were entitled to such relief (or greater relief), 

You will be entitled to a minimum award of at least $7,500 (not including any 

arbitration fees and attorneys’ fees and costs to which You will also be entitled).

SunTrust encourages You to address all Claims You have in a single Claim 

notification and/or a single arbitration. Accordingly, this $7,500 minimum award is 

a single award that applies to all Claims You have asserted or could have asserted 

in the arbitration. Multiple awards of $7,500 are not contemplated.

You may reject this Arbitration Provision and therefore not be subject to being 

required to resolve any claim, dispute, or controversy by arbitration. To reject this 

Arbitration Provision, You and only You personally, must send SunTrust written 

notice of Your decision so that SunTrust receives it at the address listed below 

within forty-five (45) days after the opening date of Your Account. Such notice 

must include a statement that You wish to reject this Arbitration Provision, along 

with Your name, address, Account number, and Your signature and must be 

mailed to the SunTrust Legal Department, Attention: Arbitration Rejection, P.O. 

Box 4418, Mail Code 0643, Atlanta, GA 30302-4418. This procedure is the sole and 

only method by which You can reject this Arbitration Provision and any attempt to 

reject this Arbitration Provision by any other person or through any other method 

or form of notice, including the filing of a lawsuit, will be ineffective. Rejection 

of this Arbitration Provision will not affect any remaining terms of this Agreement 

and will not result in any adverse consequence to You or Your Account. You 

agree that SunTrust’s business records will be final and conclusive with respect 

to whether You rejected this Arbitration Provision in a timely and proper fashion. 

This Arbitration Provision will apply to You and SunTrust and to Your Account 

unless You reject it by providing proper and timely notice as stated herein.

Your Billing Rights

Keep this notice for future use. It informs You about Your rights and SunTrust’s 

responsibilities under the Fair Credit Billing Act.

What to do if You find a mistake on Your Statement

• If You think there is an error on Your Statement, write SunTrust at:

 ◦ SunTrust Bank 

Cardholder Services, P.O. Box 620548, Orlando, FL 32862-0548 

Attn: Dispute Department

• In Your letter, give SunTrust the following information:

 ◦ Account information: Your name and Account number

 ◦ Dollar amount: The amount of the suspected error

 ◦ Description of problem: If You think there is an error on Your Statement, 

describe what You believe is wrong and why You believe it is a mistake.

• You must contact SunTrust:

 ◦ Within 60 days after the error appeared on Your statement.

 ◦ At least 3 business days before an automated payment is scheduled, if You 

want to stop payment on the amount You think is wrong.

• You must notify SunTrust of any potential errors in writing. You may also call 

SunTrust, but SunTrust is not required to investigate any potential errors and 

You may have to pay the amount in question unless You provide written notice of 

the suspected error.

What will happen after SunTrust receives Your letter

• When SunTrust receives Your letter, SunTrust must do two things:

 ◦ Within 30 days of receiving Your letter, SunTrust must inform You that 

SunTrust received Your letter; SunTrust will also inform You if SunTrust has 

already corrected the error.

 ◦ Within 90 days after receiving Your letter, SunTrust must either correct the 

error or explain to You why SunTrust believes the bill is correct.

• While SunTrust investigates whether or not there has been an error:

 ◦ SunTrust may not (1) attempt to collect the amount in question or (2) report 

You as delinquent on that amount;

 ◦ The charge in question may remain on Your Statement, and SunTrust may 

continue to charge You interest on that amount;

 ◦ While You do not have to pay the amount in question, You are responsible for 

the remainder of Your Balance; and

 ◦ SunTrust may apply any unpaid amount against Your Credit Limit.

• After SunTrust finishes the investigation, one of two things will happen:

 ◦

If SunTrust made a mistake, You will not have to pay the amount in question 

or any interest or other fees related to that amount; or

 ◦

If SunTrust does not believe there was a mistake, You will have to pay 

the amount in question, along with applicable interest and fees; SunTrust 

will send You a statement of the amount You owe and the date payment is 

due; and SunTrust may then report You as delinquent if You do not pay the 

amount SunTrust states that You owe.

• If You receive SunTrust’s explanation but still believe Your bill is wrong, You 

must write to SunTrust within 10 days telling SunTrust that You still refuse 

to pay. If You do so, SunTrust cannot report You as delinquent without also 

reporting that You are questioning Your bill. SunTrust must tell You the name 

of anyone to whom SunTrust reported You as delinquent, and SunTrust must let 

those organizations know when the matter has been settled between SunTrust 

and You.

• If SunTrust does not follow all of the rules above, You do not have to pay the 

first $50 of the amount You question even if Your bill is correct.

• 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.

Agreement – Your Card Account Agreement with SunTrust for the Account, which 

contract is made up of these terms and conditions, Your application or response to 

SunTrust’s solicitation, and the documents that accompany delivery of Your Card 

(Card Mailer).

APR (Annual Percentage Rate) – The cost of Your Credit as a yearly rate. Different 

APRs may apply to different Balances on Your Account, such as Your Balance on 

Purchases or Your Balance on Cash Advances. SunTrust uses the applicable APR 

to calculate the Interest Charge that You owe on the Account. The Card Mailer 

discloses applicable APRs and whether the Account is subject to a Variable or 

Non-Variable APR.

Non-Variable APR – The DPR subject to the Non-Variable Rate will be based on an 

APR that does not vary with changes in an Index Rate. The Card Mailer discloses 

the APR for the Non-Variable Rate as of the date Your Account was opened.

Variable APR –The variable APR will be based on the Index Rate plus a Margin. 

The Card Mailer discloses the APR for the Variable Rate. An increase in the 

Index Rate may result in a higher Minimum Payment.

Assign – SunTrust Assigns Your Account and this Agreement if SunTrust sells or 

transfers to another party any or all of SunTrust’s rights or obligations under 

this Agreement, including any amount that You owe SunTrust on the Account. If 

SunTrust Assigns Your Account, the party who receives the assignment will have 

SunTrust’s rights under this Agreement, subject to the extent of the assignment.

Authorized Charges – Any Purchases, Balance Transfers, Cash Advances, Overdraft 

Advances, and Promotional Balances that You or any Authorized User makes on the 

Account and any fees and Interest Charges owing on the Account.

Authorized User – Any person You authorize to use the Card (whether Cardholder 

or not and whether or not such use exceeds the limit You authorized or intended).

Average Daily Balance – To get the Average Daily Balance, SunTrust adds the 

outstanding Balance (including new transactions and deducting payments and 

credits) for each transaction type for each day in the Billing Period; SunTrust 

adds together all the daily Balances for each separate transaction type, and then 

divides by the number of days in the Billing Period.

Balance – Every charge on the Account, including transactions that You make and 

Interest Charges and fees that SunTrust assesses, falls into a specific Balance, 

such as the Balance on Purchases, Balance Transfers, Cash Advances, Overdraft 

Advances, and Promotional Balances. Fees that are based on a specific transaction 

are assigned to the same Balance as the applicable transaction. For example, a 

cash advance fee on a Purchase is assigned to the Balance on Purchases. Fees that 

are not specific to a given transaction with the Card (like a Returned Payment) are 

assigned to the Balance on Purchases.

Balance Transfer – Credit SunTrust extends resulting from a Balance Transfer that 

You request by any means (including telephone, Convenience Check, or Balance 

Transfer request form that SunTrust provides). SunTrust’s policy is not to allow 

You to transfer any Balance You owe from any other account with SunTrust or 

SunTrust’s respective affiliates. SunTrust may permit You to transfer balances 

from other credit card companies or financial institutions to Your Account up to 

the amount of Your Credit Limit. If You request an amount that SunTrust does 

not approve, SunTrust may process a partial Balance Transfer for less than the 

amount that You requested or SunTrust may decline the entire request. SunTrust 

is not liable if SunTrust does not approve a requested Balance Transfer (in whole 

or in part). Balance Transfer requests that are incomplete or illegible will not 

be approved. SunTrust reserves the right to make Balance Transfers in the order 

SunTrust selects. In order to preserve Your dispute rights, You should not transfer 

balances from other credit card companies or financial institutions if those 

balances are in dispute. You should allow up to 8 weeks for Balance Transfers to be 

completed. You should continue to monitor the other accounts and continue to pay 

the minimum payment due on those accounts until You receive statements from 

those creditors showing that the balances have been paid in full. This confirmation 

may not happen until after the transactions appear on the Statement SunTrust 

sends You. You are solely responsible for any late payments, ongoing finance

charges and disputed amounts on Your other accounts. If You want Your other 

accounts closed following a Balance Transfer, You are responsible for doing so.

Billing Period – The time interval between the dates of Your regular billing 

Statements. Your first Billing Period may be less than one month. All Credit terms, 

including Minimum Interest Charges, will apply in each Billing Period including the 

first Billing Period.

Card – Your Card is/are the physical Card(s), the Account number, or any device 

(such as a check) that You or an Authorized User can use to access Your Account.

Card Association – the applicable credit card association through which Your Card 

Account is sponsored (e.g., Visa® or MasterCard®).

Cardholder – The natural person to whom SunTrust issues a Card at his/her request 

or application, or a natural person who has agreed to pay obligations arising from 

another person’s use of the Card or Account.

Card Mailer – the mail that delivers Your Card and includes Your Agreement and other 

terms associated with Your Card Account when SunTrust sends Your Card to You.

Cash Advance – Credit SunTrust extends to You in the form of a loan from the 

Account. A Cash Advance occurs when You: (1) obtain cash from an ATM (automated 

teller machine), (2) obtain cash from any other source, (3) make a wire transfer, 

(4) buy foreign currency, (5) buy traveler’s checks, (6) buy money orders, (7) buy 

lottery tickets, or (8) buy gambling chips or wagers.

Cash Advance Credit Limit – The maximum amount of Credit that SunTrust 

establishes from time to time and makes available to You on the Account for Cash 

Advances. Any Cash Advance Credit Limit SunTrust establishes may be less than the 

Credit Limit that otherwise applies to Your Account. The Cash Advance Credit Limit 

is stated on the Card Mailer.

Cash Equivalent Transactions – Transactions performed using a merchant or 

service provider that Visa® or MasterCard® identifies as a seller of travelers checks, 

foreign currency, money orders, wire transfers, lottery tickets, funds used for 

wagers or gambling, or similar products or services. These transactions are treated 

as Cash Advances on Your Account.

Closing Date – The last day of a Billing Period.

Convenience Check – A check that the Bank provides which You may use to access 

Your Account to make a Purchase or a Balance Transfer.

Covered Provider – means any third party that provides any product or service 

in connection with the Credit if (and only if) You assert a Claim against such third 

party in connection with a Claim You assert against SunTrust.

Credit – means the credit extension You receive under this Agreement.

Credit Limit – Your Credit Limit will appear on each monthly Statement.

For Accounts with Spending Limits: The maximum amount of Credit that 

SunTrust establishes from time to time and makes available to You on the Account.

For Accounts with no Pre-Set Spending Limits: No pre-set spending limit does 

not mean unlimited spending. Your Account will be assigned a revolving Credit 

Limit. SunTrust may restrict the amount of Your Credit Limit that is available for 

Balance Transfers. For Cash Advances, You may only spend up to Your assigned 

Cash Advance Credit Limit. For Purchases, You may be authorized to exceed Your 

assigned Credit Limit. Each transaction You make is authorized based on factors 

such as (1) Your Account history; (2) credit record; (3) absence or presence of 

suspected fraud; and (4) performance and delinquency patterns. If You attempt 

to make a Purchase transaction that exceeds your Credit Limit, Your Account 

will be evaluated based upon the length of time Your Account has been open 

and Account usage, performance and delinquency patterns or presence of 

suspected fraud; and (4) performance and delinquency patterns. If You attempt 

to make a Purchase transaction that exceeds your Credit Limit, Your Account 

will be evaluated based upon the length of time Your Account has been open 

and Account usage, performance and delinquency patterns with SunTrust or 

with Your other creditors, and Your ability to pay. In certain circumstances, 

SunTrust may ask for additional financial records to authorize a transaction. 

If You are authorized to exceed Your Credit Limit, You will be required to pay, 

as part of your Minimum Payment, the amount by which Your New Balance 

exceeds Your Credit Limit. SunTrust encourages You to provide us with notice of 

forthcoming unusual activity, such as, high transaction amounts, high velocity, 

or changes in geographic patterns.

Default – Subject to applicable law and any right that You may have under that 

law, SunTrust may require immediate payment of Your entire Account Balance 

and You will be in Default if (1) You do not make at least the Minimum Payment 

on or before the payment Due Date, (2) a Cardholder or Authorized User exceeds 

or tries to exceed the Credit Limit without SunTrust’s permission, (3) A payment 

You make is rejected or cannot be processed, (4) SunTrust reasonably believes 

that a Cardholder’s ability to pay SunTrust is materially impaired (for example, if 

You become subject to bankruptcy or insolvency proceedings or if an attachment 

or garnishment proceedings are instituted against You or Your property), (5) 

You provide SunTrust with false, misleading or fraudulent information or a false 

signature, (6) a Cardholder dies or is legally declared incompetent or incapacitated, 

(7) You fail to comply with any provision of this Agreement, (8) You or an Authorized 

User makes illegal use of any financial service under the Account or (9) You or an 

Authorized User continues to use an Account or Card that has been closed.

Delinquency Triggering Event – A Delinquency Triggering Event occurs if You fail to 

make a Minimum Payment within 60 days of its payment Due Date.

DPR (Daily Periodic Rate) – the daily periodic rate is calculated from the 

applicable APR. The DPR is equal to the applicable APR divided by 365 (or 366 in a 

leap year). SunTrust may use DPR to calculate the Interest Charge as described in 

this Agreement. Interest Charges resulting from the application of DPRs will accrue 

daily and be calculated on the Average Daily Balances (including new transactions) 

for each Account feature (Purchases, Cash Advances, Balance Transfers, Overdraft 

Advances, and Promotional Balances).

Due Date – This is the date by which SunTrust must receive Your payment in 

order for it to be on time. Your Due Date will be stated on Your Statement. It will 

occur on the same calendar day of each month. It will be at least 21 days after 

the date SunTrust mails Your Statement and at least 25 days after the end of 

Your most recently concluded Billing Period (Closing Date). To be timely, SunTrust 

must receive Your payment on or before the Due Date and by the time stated on 

Your Statement. If no time is stated on Your Statement, Your payment is timely 

if SunTrust receives it by 5:00 p.m. Eastern Time on the Due Date; provided, 

however, that if You make a payment directly to SunTrust personnel at a SunTrust 

branch, Your payment will be credited to Your Account same day as the day of the 

payment. Payments initiated through SunTrust’s automated telephone service, 

with a customer service representative, or via SunTrust’s web site will be subject 

to the 5:00 p.m. payment cut-off time.

Crediting of Payments to Account: Payments that SunTrust receives prior to 5:00 

p.m. Eastern Time at the mailing address shown on the front of Your Statement 

and in the Standard Payment Instructions will be credited to Your Account as of 

the date of receipt. Payments that SunTrust receives after 5:00 p.m. Eastern 

Time will be credited as of the next day, unless You make the payment directly 

to SunTrust personnel at a SunTrust branch after 5:00 p.m., as stated above. If 

SunTrust accepts a payment received at any other location than the address stated 

in Your Statement and in the Standard Payment Instructions, with no payment 

coupon enclosed, or that does not conform to the Standard Payment Instructions, 

that payment may be subject to a delay in crediting of up to 5 days after the date 

of receipt. This delay may result in additional Interest Charges, Other Charges, 

and possible suspension of Your Account. Payments initiated through SunTrust’s 

automated telephone service (if available) or via SunTrust’s web site will be 

subject to the 5:00 p.m. payment cut-off time.

Grace Period – The time period during which You may avoid paying interest on 

certain transactions. As stated in the Card Mailer, the Grace Period is at least 

25 days after the close of each Billing Period. This Agreement defines the kinds 

of transactions that are subject to a Grace Period (See Interest Charges and 

Transaction Fees Section). If a particular transaction is subject to a Grace Period, 

Your Account starts in a Grace Period for that transaction. The Grace Period will 

continue if You pay Your New Balance on time each Billing Period. You will lose the 

Grace Period if You do not pay Your New Balance in a given Billing Period. To regain 

Your Grace Period after You lose it, You must pay Your New Balance on time for 1 

Billing Period. If You lose Your Grace Period for transactions to which the Grace 

Period previously applied, You will owe interest on any unpaid Balance. Interest on 

those transactions will begin to accrue from the end of the Billing Period for which 

You failed to pay Your New Balance. For any such transactions that You make after 

You lose Your Grace Period, You will pay interest from the Transaction Date until 

the time that You regain the Grace Period for transactions of this type.

Index Rate – The rate used for making variable rate adjustments to Your APR. 

The Index Rate is the Prime Rate as quoted in the “Money Rates” section of The 

Wall Street Journal (Eastern Edition) on the 28th day (or if the 28th day is not a 

business day, the next business day thereafter) of the prior calendar month. If 

The Wall Street Journal (Eastern Edition) is not published or the Prime Rate is not 

given on any of these dates, then the Index Rate will be determined by using the 

immediately preceding published Prime Rate for such date. If the Prime Rate is 

no longer available, SunTrust will choose a new index and notify You as required 

by applicable law. Index Rate changes will be effective on Your Billing Period 

that commences on or after the first day of the next succeeding month after the 

Index Rate is published. (For example, if a new Index Rate is published on June 

28th, the new APR would be effective as of the first day of the Billing Period that 

commences July 1 or after). An Index Rate increase will increase the applicable 

APR, which may increase Your Minimum Payment.

Interest Charge – The cost of Your Credit on the Account as a dollar amount that 

SunTrust derives by applying Your DPR to the Average Daily Balance.

Items – Statements, sales drafts and/or payment instruments.

Joint Ownership Considerations – If a deposit Account (i.e. Protected Account) 

is jointly owned, any owner of BOTH the deposit Account AND the Credit Card 

Account (i.e. the Protector Account) may enroll in overdraft protection without 

the consent of the other owners of that deposit Account. However, any owner 

of either the deposit Account OR Credit Card Account may cancel overdraft 

protection without the consent of other owners. If a jointly owned deposit 

Account is enrolled in overdraft protection: (i) all deposit Account holders will be 

responsible for all overdraft protection advances regardless of which person writes 

a check or initiates a transaction that causes an overdraft (e.g. as a debit Card 

Purchase); and (ii) all deposit Account holders authorize us to share information 

about the Protected Account with each owner of Protector Account, such as type 

of Account and partial Account number. We reserve the right to cancel, suspend, 

or change the terms or conditions of Your overdraft protection service at any 

Late Payment – A payment that You make that SunTrust does not receive before 

Notice Address for Arbitration – means, except as otherwise specified in the 

Arbitration Provision, the address that must be used for giving notices under the 

Provision. The initial Notice Address for You is the latest address SunTrust has in 

SunTrust’s files. The initial Notice Address for SunTrust is: SunTrust Bank Legal 

Department, Attention: General Counsel – Arbitration Election, 303 Peachtree 

Street N.E., Suite 3600, Mail Code 0643, Atlanta, Georgia 30308, although 

SunTrust may give You notice at any time that SunTrust has changed SunTrust’s 

Notice Address.

Other Charges – Charges to Your Account as described in the Other Charges Section 

of this Agreement, including fees for: Late Payments*, Annual Fee, Returned 

Payments*, Stop Payments*, Documentation*, and Phone Payments*. *SunTrust will 

consider reversal of these Other Charges fees on open Accounts in good standing if 

circumstances warrant such consideration, such as claims of Bank errors and other 

mitigating factors.

Overdraft Advance – Credit SunTrust extends to You in the form of a loan from the 

Account to cover an overdraft on a deposit account that You designate at SunTrust. 

You must enroll in the SunTrust overdraft protection program to receive this form 

of Credit.

Promotional Balance – Credit SunTrust extends for an introductory and other 

designated Purchase or Balance Transfer transaction, subject to discounted 

fees and/or a different DPR than your standard DPR for Purchases. Your use of a 

Promotional Offer from SunTrust results in a Promotional Balance.

Promotional Rate – The DPR applied to Promotional Balances.

Protected Account – An eligible SunTrust Consumer Checking Account, Savings 

Account, or Money Market Savings Account linked to this SunTrust Consumer Credit 

Card for overdraft protection.

Protector Account – Your SunTrust Consumer Credit Card Account.

Purchase – Credit SunTrust extends to You when You or an Authorized User (1) 

use(s) the Card or Account to purchase goods, labor, insurance or services through 

sellers and lessors that honor Your Card or Account for the purpose of completing 

a Purchase or (2) use(s) a Convenience Check or other Credit instrument that 

SunTrust provides for You to make a Purchase.

Returned Payment – A payment that You make that Your financial institution 

does not honor. If You have a Returned Payment, SunTrust will assess a fee in 

accordance with the terms of this Agreement. If SunTrust resubmits a Returned 

Payment and Your financial institution subsequently honors it, SunTrust will 

still assess a Returned Payment fee because Your financial institution originally 

returned the payment as unpaid. If Your financial institution returns a payment 

more than once, SunTrust will not charge more than one Returned Payment fee. If 

You make a new payment to SunTrust, however, and Your financial institution does 

not honor it, SunTrust will assess an additional Returned Payment fee.

Standard Payment Instructions – These instructions require You to pay your credit 

Card bill as follows. Pay (1) in U.S. dollars, (2) not in cash, unless You pay at one 

of SunTrust’s branches, (3) from a U.S. deposit account or cashier’s check drawn 

on a U.S. financial institution, (4) without restrictive language (e.g., “payment in 

full”) included or attached to the payment, and (5) not from a credit account that 

SunTrust provides You, such as a Convenience Check drawn on this Account. If You 

make payment in a paper form (like a check, money order, or cashier’s check), You 

must include the payment coupon from Your Statement or write Your Card Account 

number on the payment. If SunTrust decides in the Bank’s discretion to accept 

a form of payment that does not meet these Standard Payment Instructions, 

SunTrust does not waive the Bank’s right to continue to require payments that 

comply with these instructions. If SunTrust decides to accept a payment that You 

make in a foreign currency, SunTrust will choose the conversion rate to apply. 

The date You mail the payment is different from the date the Bank receives the 

payment. The payment date is the date that the Bank receives Your payment in 

accordance with these Standard Payment Instructions. If You fail to comply with 

these Standard Payment Instructions, credit to Your Account for the payment may 

be delayed. This delay may result in additional Interest Charges, Other Charges, 

and possible suspension of Your Account. Contact SunTrust at 866.732.1683 to 

inquire about phone pay. Mailed payments should be sent to: 

SunTrust Bank 

Cardholder Services 

P.O. Box 791278 

Baltimore, MD 21279-1278

NOTE: Any disagreement that You may have with respect to charges on Your 

Statement must be presented to SunTrust in writing separately from your payment 

and to a different address than where Your payments are sent. (See the “Your 

Billing Rights” Section of this Agreement.)

Statement – SunTrust will send You a bill at the end of each Billing Period if Your 

Account has a debit Balance of any amount or a credit Balance of more than 

$1, unless SunTrust has decided Your Account is uncollectible or has closed or 

suspended Your Account for collection proceedings against You. The Statement will 

tell You the total Balance that You owe the Bank as of the end of the last Billing 

Period. It will also tell You the Minimum Payment that You must pay the Bank by 

SunTrust – means (1) SunTrust Bank, the bank that is providing You Credit, and will 

include (2) any person(s) to whom the Credit is transferred or assigned; (3) any 

Covered Provider; (4) the parents, controlling persons, subsidiaries and affiliates 

of the companies in (1)-(3) above; (5) the successors and predecessors of the 

companies in (1)-(4) above; and (6) the officers, directors and employees of the 

companies in (1)-(5) above. SunTrust may also be referred to as “the Bank.” Solely 

for purposes of the Arbitration Provision contained in this Agreement, the term 

“SunTrust” shall also apply to any third parties if You assert a Claim against such 

third parties in connection with a Claim You assert against SunTrust.

time, for any reason.

the Due Date.

Statement.

as of such 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 

the stated Due Date.

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 

Termination Date – This is the last day a Promotional Rate will apply to a 

Promotional Balance. It will be the earlier of (1) the last day specified in the 

Promotional Balance offer or (2) the date identified in any notice to You when a 

Delinquency Triggering Event occurs. 

Transaction Date – The Transaction Date of a Purchase is the sale date. The 

Transaction Date of a Balance Transfer, Cash Advance, or Overdraft Advance is 

the date that You request such a transaction.

You, Your and Yours – means the Cardholder(s).

1The Personal Deposit Account Fee Schedule is accessible at https://www.

suntrust.com/Static/Documents/Personal_Banking/Deposit_Account_Disclosures/

FSRETAILE.pdf.

SunTrust Bank, Member FDIC. ©2017 SunTrust Banks, Inc. SunTrust is a federally 

registered service mark of SunTrust Banks, Inc.

 
 
 
 
Claims Subject to Arbitration

A “Claim” subject to arbitration is 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.

Excluded Claim or Proceeding

Notwithstanding the foregoing, 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) the exercising of 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).

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. To the extent state law is 

applicable under FAA, the law of the state governing Your Account relationship 

with SunTrust shall apply.

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 filed against SunTrust by a state or 

federal government agency, 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 Claim(s) (but not as to any other Claim(s) that have been or 

are later brought), subject to the right to appeal the limitation or invalidation of 

the Class Action Waiver. You and SunTrust acknowledge and agree that under no 

circumstances will a class action be arbitrated.

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 SunTrust Bank Legal Department, Attn: General Counsel – Arbitration Election, 

Mail Code 0643, 303 Peachtree St., N.E., 36th Floor, Atlanta, Georgia 30308 and our 

notice must be sent to the most recent address for You in our files. Any arbitration 

hearing that you attend must take place in a venue reasonably convenient to you. If 

a party files a lawsuit in court asserting Claim(s) that are subject to arbitration and 

the other party files a motion to compel arbitration with the court which is granted, 

it will be the responsibility of the party prosecuting the Claim(s) to commence the 

arbitration proceeding with an arbitration administrator in accordance with this 

Arbitration Provision and the administrator’s rules and procedures.

The arbitration will be administered by JAMS, 1920 Main Street, Suite 300, Irvine, 
CA 92614, www.jamsadr.com, 800.352.5267. The rules and forms of JAMS may be 
obtained by writing to JAMS at the address listed above or visiting their website. 
If JAMS is unable or unwilling to serve as administrator, You and SunTrust may 
agree upon another administrator or, if You and SunTrustare unable to agree, a 
court shall determine the administrator. No company may serve as administrator, 
without the consent of both You and SunTrust, if it adopts or has in place any 
formal or informal policy that is inconsistent with and purports to override the 
terms of this Arbitration Provision. The arbitration will proceed in accordance with 
this Arbitration Provision and the administrator’s rules and procedures including 
any expedited procedures but in the event of a conflict, the provisions of this 
Arbitration Provision shall control.
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. 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 shall 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. 
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.

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 other administrator used, the provisions of this 
Arbitration Provision will control.

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 
involves 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 administered by the administrator. The panel will reconsider 
anew any aspect of the initial award requested by the appealing party. 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 Procedures.” 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 thirty (30) days, to 
resolve the Claim. Such a Claim notification must be sent to SunTrust by certified 
mail, return receipt requested, at SunTrust Bank Legal Department, Attention: 
General Counsel – Claim Notice, 303 Peachtree Street N.E., Suite 3600, Mail Code 
0643, Atlanta, Georgia 30308. This is the sole and only method by which You can 
submit a Claim notification. If (1) You submit a Claim notification in accordance 
with this paragraph on Your own behalf (and not on behalf of any other party); 
(2) You cooperate with SunTrust by promptly providing the information SunTrust 
reasonably requests; (3) SunTrust refuses to provide You with the relief You 
request; and (4) the matter then proceeds to arbitration and the arbitrator 
subsequently determines that You were entitled to such relief (or greater relief), 
You will be entitled to a minimum award of at least $7,500 (not including any 
arbitration fees and attorneys’ fees and costs to which You will also be entitled).
SunTrust encourages You to address all Claims You have in a single Claim 
notification and/or a single arbitration. Accordingly, this $7,500 minimum award is 
a single award that applies to all Claims You have asserted or could have asserted 
in the arbitration. Multiple awards of $7,500 are not contemplated.

Right to Reject Arbitration Provision

You may reject this Arbitration Provision and therefore not be subject to being 

required to resolve any claim, dispute, or controversy by arbitration. To reject this 

Arbitration Provision, You and only You personally, must send SunTrust written 

notice of Your decision so that SunTrust receives it at the address listed below 

within forty-five (45) days after the opening date of Your Account. Such notice 

must include a statement that You wish to reject this Arbitration Provision, along 

with Your name, address, Account number, and Your signature and must be 

mailed to the SunTrust Legal Department, Attention: Arbitration Rejection, P.O. 

Box 4418, Mail Code 0643, Atlanta, GA 30302-4418. This procedure is the sole and 

only method by which You can reject this Arbitration Provision and any attempt to 

reject this Arbitration Provision by any other person or through any other method 

or form of notice, including the filing of a lawsuit, will be ineffective. Rejection 

of this Arbitration Provision will not affect any remaining terms of this Agreement 

and will not result in any adverse consequence to You or Your Account. You 

agree that SunTrust’s business records will be final and conclusive with respect 

to whether You rejected this Arbitration Provision in a timely and proper fashion. 

This Arbitration Provision will apply to You and SunTrust and to Your Account 

unless You reject it by providing proper and timely notice as stated herein.

Your Billing Rights

Keep this notice for future use. It informs You about Your rights and SunTrust’s 

responsibilities under the Fair Credit Billing Act.

What to do if You find a mistake on Your Statement

• If You think there is an error on Your Statement, write SunTrust at:

 ◦ SunTrust Bank 

Cardholder Services, P.O. Box 620548, Orlando, FL 32862-0548 

Attn: Dispute Department

• In Your letter, give SunTrust the following information:

 ◦ Account information: Your name and Account number

 ◦ Dollar amount: The amount of the suspected error

 ◦ Description of problem: If You think there is an error on Your Statement, 

describe what You believe is wrong and why You believe it is a mistake.

• You must contact SunTrust:

 ◦ Within 60 days after the error appeared on Your statement.

 ◦ At least 3 business days before an automated payment is scheduled, if You 

want to stop payment on the amount You think is wrong.

• You must notify SunTrust of any potential errors in writing. You may also call 

SunTrust, but SunTrust is not required to investigate any potential errors and 

You may have to pay the amount in question unless You provide written notice of 

the suspected error.

What will happen after SunTrust receives Your letter

• When SunTrust receives Your letter, SunTrust must do two things:

 ◦ Within 30 days of receiving Your letter, SunTrust must inform You that 

SunTrust received Your letter; SunTrust will also inform You if SunTrust has 

already corrected the error.

 ◦ Within 90 days after receiving Your letter, SunTrust must either correct the 

error or explain to You why SunTrust believes the bill is correct.

• While SunTrust investigates whether or not there has been an error:

 ◦ SunTrust may not (1) attempt to collect the amount in question or (2) report 

You as delinquent on that amount;

 ◦ The charge in question may remain on Your Statement, and SunTrust may 

continue to charge You interest on that amount;

 ◦ While You do not have to pay the amount in question, You are responsible for 

the remainder of Your Balance; and

 ◦ SunTrust may apply any unpaid amount against Your Credit Limit.

• After SunTrust finishes the investigation, one of two things will happen:

 ◦

If SunTrust made a mistake, You will not have to pay the amount in question 

or any interest or other fees related to that amount; or

 ◦

If SunTrust does not believe there was a mistake, You will have to pay 

the amount in question, along with applicable interest and fees; SunTrust 

will send You a statement of the amount You owe and the date payment is 

due; and SunTrust may then report You as delinquent if You do not pay the 

amount SunTrust states that You owe.

• If You receive SunTrust’s explanation but still believe Your bill is wrong, You 

must write to SunTrust within 10 days telling SunTrust that You still refuse 

to pay. If You do so, SunTrust cannot report You as delinquent without also 

reporting that You are questioning Your bill. SunTrust must tell You the name 

of anyone to whom SunTrust reported You as delinquent, and SunTrust must let 

those organizations know when the matter has been settled between SunTrust 

and You.

• If SunTrust does not follow all of the rules above, You do not have to pay the 

first $50 of the amount You question even if Your bill is correct.

Your rights If You are dissatisfied with a Purchase

• If You are dissatisfied with the goods or services that You Purchase with Your 

Card/Account, and You have tried in good faith to correct the problem with the 

merchant, You may have the right not to pay the remaining amount due on the 

Purchase. To use this right, all of the following must be true:

 ◦ The Purchase must have been made in Your home state or within 100 miles 

of Your current mailing address, and the purchase price must have been 

more than $50. (Note: Neither of these conditions applies if Your Purchase 

was based on an advertisement SunTrust mailed to You, or if SunTrust owns 

the company that sold You the goods or services.)

 ◦ You must have used Your Card for the Purchase. Purchases made with cash 

advances from an ATM or with a check that accesses Your Account do not 

qualify.

 ◦ You must not yet have fully paid for the Purchase.

• If all of the criteria above are met and You are still dissatisfied with the 

purchase, contact SunTrust in writing at:

 ◦ SunTrust Bank 

Cardholder Services, P.O. Box 620548, Orlando, FL 32862-0548 

Attn: Dispute Department

While SunTrust investigates, the same rules apply to the disputed amount as 

discussed above. After SunTrust finishes the investigation, SunTrust will tell You 

SunTrust’s decision. At that point, if SunTrust thinks You owe an amount and You 

do not pay, SunTrust may report You as delinquent.

Definitions

Account – The credit card Account(s) SunTrust approves for Your use that is/are 

subject to the terms and conditions of this Agreement.

Agreement – Your Card Account Agreement with SunTrust for the Account, which 

contract is made up of these terms and conditions, Your application or response to 

SunTrust’s solicitation, and the documents that accompany delivery of Your Card 

(Card Mailer).

APR (Annual Percentage Rate) – The cost of Your Credit as a yearly rate. Different 

APRs may apply to different Balances on Your Account, such as Your Balance on 

Purchases or Your Balance on Cash Advances. SunTrust uses the applicable APR 

to calculate the Interest Charge that You owe on the Account. The Card Mailer 

discloses applicable APRs and whether the Account is subject to a Variable or 

Non-Variable APR.

Non-Variable APR – The DPR subject to the Non-Variable Rate will be based on an 

APR that does not vary with changes in an Index Rate. The Card Mailer discloses 

the APR for the Non-Variable Rate as of the date Your Account was opened.

Variable APR –The variable APR will be based on the Index Rate plus a Margin. 

The Card Mailer discloses the APR for the Variable Rate. An increase in the 

Index Rate may result in a higher Minimum Payment.

Assign – SunTrust Assigns Your Account and this Agreement if SunTrust sells or 

transfers to another party any or all of SunTrust’s rights or obligations under 

this Agreement, including any amount that You owe SunTrust on the Account. If 

SunTrust Assigns Your Account, the party who receives the assignment will have 

SunTrust’s rights under this Agreement, subject to the extent of the assignment.

Authorized Charges – Any Purchases, Balance Transfers, Cash Advances, Overdraft 

Advances, and Promotional Balances that You or any Authorized User makes on the 

Account and any fees and Interest Charges owing on the Account.

Authorized User – Any person You authorize to use the Card (whether Cardholder 

or not and whether or not such use exceeds the limit You authorized or intended).

Average Daily Balance – To get the Average Daily Balance, SunTrust adds the 

outstanding Balance (including new transactions and deducting payments and 

credits) for each transaction type for each day in the Billing Period; SunTrust 

adds together all the daily Balances for each separate transaction type, and then 

divides by the number of days in the Billing Period.

Balance – Every charge on the Account, including transactions that You make and 

Interest Charges and fees that SunTrust assesses, falls into a specific Balance, 

such as the Balance on Purchases, Balance Transfers, Cash Advances, Overdraft 

Advances, and Promotional Balances. Fees that are based on a specific transaction 

are assigned to the same Balance as the applicable transaction. For example, a 

cash advance fee on a Purchase is assigned to the Balance on Purchases. Fees that 

are not specific to a given transaction with the Card (like a Returned Payment) are 

assigned to the Balance on Purchases.

Balance Transfer – Credit SunTrust extends resulting from a Balance Transfer that 

You request by any means (including telephone, Convenience Check, or Balance 

Transfer request form that SunTrust provides). SunTrust’s policy is not to allow 

You to transfer any Balance You owe from any other account with SunTrust or 

SunTrust’s respective affiliates. SunTrust may permit You to transfer balances 

from other credit card companies or financial institutions to Your Account up to 

the amount of Your Credit Limit. If You request an amount that SunTrust does 

not approve, SunTrust may process a partial Balance Transfer for less than the 

amount that You requested or SunTrust may decline the entire request. SunTrust 

is not liable if SunTrust does not approve a requested Balance Transfer (in whole 

or in part). Balance Transfer requests that are incomplete or illegible will not 

be approved. SunTrust reserves the right to make Balance Transfers in the order 

SunTrust selects. In order to preserve Your dispute rights, You should not transfer 

balances from other credit card companies or financial institutions if those 

balances are in dispute. You should allow up to 8 weeks for Balance Transfers to be 

completed. You should continue to monitor the other accounts and continue to pay 

the minimum payment due on those accounts until You receive statements from 

those creditors showing that the balances have been paid in full. This confirmation 

may not happen until after the transactions appear on the Statement SunTrust 

sends You. You are solely responsible for any late payments, ongoing finance

charges and disputed amounts on Your other accounts. If You want Your other 

accounts closed following a Balance Transfer, You are responsible for doing so.

Billing Period – The time interval between the dates of Your regular billing 

Statements. Your first Billing Period may be less than one month. All Credit terms, 

including Minimum Interest Charges, will apply in each Billing Period including the 

first Billing Period.

Card – Your Card is/are the physical Card(s), the Account number, or any device 

(such as a check) that You or an Authorized User can use to access Your Account.

Card Association – the applicable credit card association through which Your Card 

Account is sponsored (e.g., Visa® or MasterCard®).

Cardholder – The natural person to whom SunTrust issues a Card at his/her request 

or application, or a natural person who has agreed to pay obligations arising from 

another person’s use of the Card or Account.

Card Mailer – the mail that delivers Your Card and includes Your Agreement and other 

terms associated with Your Card Account when SunTrust sends Your Card to You.

Cash Advance – Credit SunTrust extends to You in the form of a loan from the 

Account. A Cash Advance occurs when You: (1) obtain cash from an ATM (automated 

teller machine), (2) obtain cash from any other source, (3) make a wire transfer, 

(4) buy foreign currency, (5) buy traveler’s checks, (6) buy money orders, (7) buy 

lottery tickets, or (8) buy gambling chips or wagers.

Cash Advance Credit Limit – The maximum amount of Credit that SunTrust 

establishes from time to time and makes available to You on the Account for Cash 

Advances. Any Cash Advance Credit Limit SunTrust establishes may be less than the 

Credit Limit that otherwise applies to Your Account. The Cash Advance Credit Limit 

is stated on the Card Mailer.

Cash Equivalent Transactions – Transactions performed using a merchant or 

service provider that Visa® or MasterCard® identifies as a seller of travelers checks, 

foreign currency, money orders, wire transfers, lottery tickets, funds used for 

wagers or gambling, or similar products or services. These transactions are treated 

as Cash Advances on Your Account.

Closing Date – The last day of a Billing Period.

Convenience Check – A check that the Bank provides which You may use to access 

Your Account to make a Purchase or a Balance Transfer.

Covered Provider – means any third party that provides any product or service 

in connection with the Credit if (and only if) You assert a Claim against such third 

party in connection with a Claim You assert against SunTrust.

Credit – means the credit extension You receive under this Agreement.

Credit Limit – Your Credit Limit will appear on each monthly Statement.

For Accounts with Spending Limits: The maximum amount of Credit that 

SunTrust establishes from time to time and makes available to You on the Account.

For Accounts with no Pre-Set Spending Limits: No pre-set spending limit does 

not mean unlimited spending. Your Account will be assigned a revolving Credit 

Limit. SunTrust may restrict the amount of Your Credit Limit that is available for 

Balance Transfers. For Cash Advances, You may only spend up to Your assigned 

Cash Advance Credit Limit. For Purchases, You may be authorized to exceed Your 

assigned Credit Limit. Each transaction You make is authorized based on factors 

such as (1) Your Account history; (2) credit record; (3) absence or presence of 

suspected fraud; and (4) performance and delinquency patterns. If You attempt 

to make a Purchase transaction that exceeds your Credit Limit, Your Account 

will be evaluated based upon the length of time Your Account has been open 

and Account usage, performance and delinquency patterns or presence of 

suspected fraud; and (4) performance and delinquency patterns. If You attempt 

to make a Purchase transaction that exceeds your Credit Limit, Your Account 

will be evaluated based upon the length of time Your Account has been open 

and Account usage, performance and delinquency patterns with SunTrust or 

with Your other creditors, and Your ability to pay. In certain circumstances, 

SunTrust may ask for additional financial records to authorize a transaction. 

If You are authorized to exceed Your Credit Limit, You will be required to pay, 

as part of your Minimum Payment, the amount by which Your New Balance 

exceeds Your Credit Limit. SunTrust encourages You to provide us with notice of 

forthcoming unusual activity, such as, high transaction amounts, high velocity, 

or changes in geographic patterns.

Default – Subject to applicable law and any right that You may have under that 

law, SunTrust may require immediate payment of Your entire Account Balance 

and You will be in Default if (1) You do not make at least the Minimum Payment 

on or before the payment Due Date, (2) a Cardholder or Authorized User exceeds 

or tries to exceed the Credit Limit without SunTrust’s permission, (3) A payment 

You make is rejected or cannot be processed, (4) SunTrust reasonably believes 

that a Cardholder’s ability to pay SunTrust is materially impaired (for example, if 

You become subject to bankruptcy or insolvency proceedings or if an attachment 

or garnishment proceedings are instituted against You or Your property), (5) 

You provide SunTrust with false, misleading or fraudulent information or a false 

signature, (6) a Cardholder dies or is legally declared incompetent or incapacitated, 

(7) You fail to comply with any provision of this Agreement, (8) You or an Authorized 

User makes illegal use of any financial service under the Account or (9) You or an 

Authorized User continues to use an Account or Card that has been closed.

Delinquency Triggering Event – A Delinquency Triggering Event occurs if You fail to 

make a Minimum Payment within 60 days of its payment Due Date.

DPR (Daily Periodic Rate) – the daily periodic rate is calculated from the 

applicable APR. The DPR is equal to the applicable APR divided by 365 (or 366 in a 

leap year). SunTrust may use DPR to calculate the Interest Charge as described in 

this Agreement. Interest Charges resulting from the application of DPRs will accrue 

daily and be calculated on the Average Daily Balances (including new transactions) 

for each Account feature (Purchases, Cash Advances, Balance Transfers, Overdraft 

Advances, and Promotional Balances).

Due Date – This is the date by which SunTrust must receive Your payment in 

order for it to be on time. Your Due Date will be stated on Your Statement. It will 

occur on the same calendar day of each month. It will be at least 21 days after 

the date SunTrust mails Your Statement and at least 25 days after the end of 

Your most recently concluded Billing Period (Closing Date). To be timely, SunTrust 

must receive Your payment on or before the Due Date and by the time stated on 

Your Statement. If no time is stated on Your Statement, Your payment is timely 

if SunTrust receives it by 5:00 p.m. Eastern Time on the Due Date; provided, 

however, that if You make a payment directly to SunTrust personnel at a SunTrust 

branch, Your payment will be credited to Your Account same day as the day of the 

payment. Payments initiated through SunTrust’s automated telephone service, 

with a customer service representative, or via SunTrust’s web site will be subject 

to the 5:00 p.m. payment cut-off time.

Crediting of Payments to Account: Payments that SunTrust receives prior to 5:00 

p.m. Eastern Time at the mailing address shown on the front of Your Statement 

and in the Standard Payment Instructions will be credited to Your Account as of 

the date of receipt. Payments that SunTrust receives after 5:00 p.m. Eastern 

Time will be credited as of the next day, unless You make the payment directly 

to SunTrust personnel at a SunTrust branch after 5:00 p.m., as stated above. If 

SunTrust accepts a payment received at any other location than the address stated 

in Your Statement and in the Standard Payment Instructions, with no payment 

coupon enclosed, or that does not conform to the Standard Payment Instructions, 

that payment may be subject to a delay in crediting of up to 5 days after the date 

of receipt. This delay may result in additional Interest Charges, Other Charges, 

and possible suspension of Your Account. Payments initiated through SunTrust’s 

automated telephone service (if available) or via SunTrust’s web site will be 

subject to the 5:00 p.m. payment cut-off time.

Grace Period – The time period during which You may avoid paying interest on 

certain transactions. As stated in the Card Mailer, the Grace Period is at least 

25 days after the close of each Billing Period. This Agreement defines the kinds 

of transactions that are subject to a Grace Period (See Interest Charges and 

Transaction Fees Section). If a particular transaction is subject to a Grace Period, 

Your Account starts in a Grace Period for that transaction. The Grace Period will 

continue if You pay Your New Balance on time each Billing Period. You will lose the 

Grace Period if You do not pay Your New Balance in a given Billing Period. To regain 

Your Grace Period after You lose it, You must pay Your New Balance on time for 1 

Billing Period. If You lose Your Grace Period for transactions to which the Grace 

Period previously applied, You will owe interest on any unpaid Balance. Interest on 

those transactions will begin to accrue from the end of the Billing Period for which 

You failed to pay Your New Balance. For any such transactions that You make after 

You lose Your Grace Period, You will pay interest from the Transaction Date until 

the time that You regain the Grace Period for transactions of this type.

Index Rate – The rate used for making variable rate adjustments to Your APR. 

The Index Rate is the Prime Rate as quoted in the “Money Rates” section of The 

Wall Street Journal (Eastern Edition) on the 28th day (or if the 28th day is not a 

business day, the next business day thereafter) of the prior calendar month. If 

The Wall Street Journal (Eastern Edition) is not published or the Prime Rate is not 

given on any of these dates, then the Index Rate will be determined by using the 

immediately preceding published Prime Rate for such date. If the Prime Rate is 

no longer available, SunTrust will choose a new index and notify You as required 

by applicable law. Index Rate changes will be effective on Your Billing Period 

that commences on or after the first day of the next succeeding month after the 

Index Rate is published. (For example, if a new Index Rate is published on June 

28th, the new APR would be effective as of the first day of the Billing Period that 

commences July 1 or after). An Index Rate increase will increase the applicable 

APR, which may increase Your Minimum Payment.

Interest Charge – The cost of Your Credit on the Account as a dollar amount that 

SunTrust derives by applying Your DPR to the Average Daily Balance.

Items – Statements, sales drafts and/or payment instruments.

Joint Ownership Considerations – If a deposit Account (i.e. Protected Account) 

is jointly owned, any owner of BOTH the deposit Account AND the Credit Card 

Account (i.e. the Protector Account) may enroll in overdraft protection without 

the consent of the other owners of that deposit Account. However, any owner 

of either the deposit Account OR Credit Card Account may cancel overdraft 

protection without the consent of other owners. If a jointly owned deposit 

Account is enrolled in overdraft protection: (i) all deposit Account holders will be 

responsible for all overdraft protection advances regardless of which person writes 

a check or initiates a transaction that causes an overdraft (e.g. as a debit Card 

Purchase); and (ii) all deposit Account holders authorize us to share information 

about the Protected Account with each owner of Protector Account, such as type 

of Account and partial Account number. We reserve the right to cancel, suspend, 

or change the terms or conditions of Your overdraft protection service at any 

Late Payment – A payment that You make that SunTrust does not receive before 

Notice Address for Arbitration – means, except as otherwise specified in the 

Arbitration Provision, the address that must be used for giving notices under the 

Provision. The initial Notice Address for You is the latest address SunTrust has in 

SunTrust’s files. The initial Notice Address for SunTrust is: SunTrust Bank Legal 

Department, Attention: General Counsel – Arbitration Election, 303 Peachtree 

Street N.E., Suite 3600, Mail Code 0643, Atlanta, Georgia 30308, although 

SunTrust may give You notice at any time that SunTrust has changed SunTrust’s 

Notice Address.

Other Charges – Charges to Your Account as described in the Other Charges Section 

of this Agreement, including fees for: Late Payments*, Annual Fee, Returned 

Payments*, Stop Payments*, Documentation*, and Phone Payments*. *SunTrust will 

consider reversal of these Other Charges fees on open Accounts in good standing if 

circumstances warrant such consideration, such as claims of Bank errors and other 

mitigating factors.

Overdraft Advance – Credit SunTrust extends to You in the form of a loan from the 

Account to cover an overdraft on a deposit account that You designate at SunTrust. 

You must enroll in the SunTrust overdraft protection program to receive this form 

of Credit.

Promotional Balance – Credit SunTrust extends for an introductory and other 

designated Purchase or Balance Transfer transaction, subject to discounted 

fees and/or a different DPR than your standard DPR for Purchases. Your use of a 

Promotional Offer from SunTrust results in a Promotional Balance.

Promotional Rate – The DPR applied to Promotional Balances.

Protected Account – An eligible SunTrust Consumer Checking Account, Savings 

Account, or Money Market Savings Account linked to this SunTrust Consumer Credit 

Card for overdraft protection.

Protector Account – Your SunTrust Consumer Credit Card Account.

Purchase – Credit SunTrust extends to You when You or an Authorized User (1) 

use(s) the Card or Account to purchase goods, labor, insurance or services through 

sellers and lessors that honor Your Card or Account for the purpose of completing 

a Purchase or (2) use(s) a Convenience Check or other Credit instrument that 

SunTrust provides for You to make a Purchase.

Returned Payment – A payment that You make that Your financial institution 

does not honor. If You have a Returned Payment, SunTrust will assess a fee in 

accordance with the terms of this Agreement. If SunTrust resubmits a Returned 

Payment and Your financial institution subsequently honors it, SunTrust will 

still assess a Returned Payment fee because Your financial institution originally 

returned the payment as unpaid. If Your financial institution returns a payment 

more than once, SunTrust will not charge more than one Returned Payment fee. If 

You make a new payment to SunTrust, however, and Your financial institution does 

not honor it, SunTrust will assess an additional Returned Payment fee.

Standard Payment Instructions – These instructions require You to pay your credit 

Card bill as follows. Pay (1) in U.S. dollars, (2) not in cash, unless You pay at one 

of SunTrust’s branches, (3) from a U.S. deposit account or cashier’s check drawn 

on a U.S. financial institution, (4) without restrictive language (e.g., “payment in 

full”) included or attached to the payment, and (5) not from a credit account that 

SunTrust provides You, such as a Convenience Check drawn on this Account. If You 

make payment in a paper form (like a check, money order, or cashier’s check), You 

must include the payment coupon from Your Statement or write Your Card Account 

number on the payment. If SunTrust decides in the Bank’s discretion to accept 

a form of payment that does not meet these Standard Payment Instructions, 

SunTrust does not waive the Bank’s right to continue to require payments that 

comply with these instructions. If SunTrust decides to accept a payment that You 

make in a foreign currency, SunTrust will choose the conversion rate to apply. 

The date You mail the payment is different from the date the Bank receives the 

payment. The payment date is the date that the Bank receives Your payment in 

accordance with these Standard Payment Instructions. If You fail to comply with 

these Standard Payment Instructions, credit to Your Account for the payment may 

be delayed. This delay may result in additional Interest Charges, Other Charges, 

and possible suspension of Your Account. Contact SunTrust at 866.732.1683 to 

inquire about phone pay. Mailed payments should be sent to: 

SunTrust Bank 

Cardholder Services 

P.O. Box 791278 

Baltimore, MD 21279-1278

NOTE: Any disagreement that You may have with respect to charges on Your 

Statement must be presented to SunTrust in writing separately from your payment 

and to a different address than where Your payments are sent. (See the “Your 

Billing Rights” Section of this Agreement.)

Statement – SunTrust will send You a bill at the end of each Billing Period if Your 

Account has a debit Balance of any amount or a credit Balance of more than 

$1, unless SunTrust has decided Your Account is uncollectible or has closed or 

suspended Your Account for collection proceedings against You. The Statement will 

tell You the total Balance that You owe the Bank as of the end of the last Billing 

Period. It will also tell You the Minimum Payment that You must pay the Bank by 

SunTrust – means (1) SunTrust Bank, the bank that is providing You Credit, and will 

include (2) any person(s) to whom the Credit is transferred or assigned; (3) any 

Covered Provider; (4) the parents, controlling persons, subsidiaries and affiliates 

of the companies in (1)-(3) above; (5) the successors and predecessors of the 

companies in (1)-(4) above; and (6) the officers, directors and employees of the 

companies in (1)-(5) above. SunTrust may also be referred to as “the Bank.” Solely 

for purposes of the Arbitration Provision contained in this Agreement, the term 

“SunTrust” shall also apply to any third parties if You assert a Claim against such 

third parties in connection with a Claim You assert against SunTrust.

time, for any reason.

the Due Date.

Statement.

as of such 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 

the stated Due Date.

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 

Termination Date – This is the last day a Promotional Rate will apply to a 

Promotional Balance. It will be the earlier of (1) the last day specified in the 

Promotional Balance offer or (2) the date identified in any notice to You when a 

Delinquency Triggering Event occurs. 

Transaction Date – The Transaction Date of a Purchase is the sale date. The 

Transaction Date of a Balance Transfer, Cash Advance, or Overdraft Advance is 

the date that You request such a transaction.

You, Your and Yours – means the Cardholder(s).

1The Personal Deposit Account Fee Schedule is accessible at https://www.

suntrust.com/Static/Documents/Personal_Banking/Deposit_Account_Disclosures/

FSRETAILE.pdf.

SunTrust Bank, Member FDIC. ©2017 SunTrust Banks, Inc. SunTrust is a federally 

registered service mark of SunTrust Banks, Inc.

 
 
 
 
Claims Subject to Arbitration

A “Claim” subject to arbitration is 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.

Excluded Claim or Proceeding

Notwithstanding the foregoing, 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) the exercising of 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).

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. To the extent state law is 

applicable under FAA, the law of the state governing Your Account relationship 

with SunTrust shall apply.

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 filed against SunTrust by a state or 

federal government agency, 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 Claim(s) (but not as to any other Claim(s) that have been or 

are later brought), subject to the right to appeal the limitation or invalidation of 

the Class Action Waiver. You and SunTrust acknowledge and agree that under no 

circumstances will a class action be arbitrated.

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 SunTrust Bank Legal Department, Attn: General Counsel – Arbitration Election, 

Mail Code 0643, 303 Peachtree St., N.E., 36th Floor, Atlanta, Georgia 30308 and our 

notice must be sent to the most recent address for You in our files. Any arbitration 

hearing that you attend must take place in a venue reasonably convenient to you. If 

a party files a lawsuit in court asserting Claim(s) that are subject to arbitration and 

the other party files a motion to compel arbitration with the court which is granted, 

it will be the responsibility of the party prosecuting the Claim(s) to commence the 

arbitration proceeding with an arbitration administrator in accordance with this 

Arbitration Provision and the administrator’s rules and procedures.

The arbitration will be administered by JAMS, 1920 Main Street, Suite 300, Irvine, 

CA 92614, www.jamsadr.com, 800.352.5267. The rules and forms of JAMS may be 

obtained by writing to JAMS at the address listed above or visiting their website. 

If JAMS is unable or unwilling to serve as administrator, You and SunTrust may 

agree upon another administrator or, if You and SunTrustare unable to agree, a 

court shall determine the administrator. No company may serve as administrator, 

without the consent of both You and SunTrust, if it adopts or has in place any 

formal or informal policy that is inconsistent with and purports to override the 

terms of this Arbitration Provision. The arbitration will proceed in accordance with 

this Arbitration Provision and the administrator’s rules and procedures including 

any expedited procedures but in the event of a conflict, the provisions of this 

Arbitration Provision shall control.

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. 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 shall 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. 

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.

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 other administrator used, the provisions of this 

Arbitration Provision will control.

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 

involves 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 administered by the administrator. The panel will reconsider 

anew any aspect of the initial award requested by the appealing party. 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 Procedures.” 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 thirty (30) days, to 

resolve the Claim. Such a Claim notification must be sent to SunTrust by certified 

mail, return receipt requested, at SunTrust Bank Legal Department, Attention: 

General Counsel – Claim Notice, 303 Peachtree Street N.E., Suite 3600, Mail Code 

0643, Atlanta, Georgia 30308. This is the sole and only method by which You can 

submit a Claim notification. If (1) You submit a Claim notification in accordance 

with this paragraph on Your own behalf (and not on behalf of any other party); 

(2) You cooperate with SunTrust by promptly providing the information SunTrust 

reasonably requests; (3) SunTrust refuses to provide You with the relief You 

request; and (4) the matter then proceeds to arbitration and the arbitrator 

subsequently determines that You were entitled to such relief (or greater relief), 

You will be entitled to a minimum award of at least $7,500 (not including any 

arbitration fees and attorneys’ fees and costs to which You will also be entitled).

SunTrust encourages You to address all Claims You have in a single Claim 

notification and/or a single arbitration. Accordingly, this $7,500 minimum award is 

a single award that applies to all Claims You have asserted or could have asserted 

in the arbitration. Multiple awards of $7,500 are not contemplated.

Right to Reject Arbitration Provision

Your rights If You are dissatisfied with a Purchase

You may reject this Arbitration Provision and therefore not be subject to being 
required to resolve any claim, dispute, or controversy by arbitration. To reject this 
Arbitration Provision, You and only You personally, must send SunTrust written 
notice of Your decision so that SunTrust receives it at the address listed below 
within forty-five (45) days after the opening date of Your Account. Such notice 
must include a statement that You wish to reject this Arbitration Provision, along 
with Your name, address, Account number, and Your signature and must be 
mailed to the SunTrust Legal Department, Attention: Arbitration Rejection, P.O. 
Box 4418, Mail Code 0643, Atlanta, GA 30302-4418. This procedure is the sole and 
only method by which You can reject this Arbitration Provision and any attempt to 
reject this Arbitration Provision by any other person or through any other method 
or form of notice, including the filing of a lawsuit, will be ineffective. Rejection 
of this Arbitration Provision will not affect any remaining terms of this Agreement 
and will not result in any adverse consequence to You or Your Account. You 
agree that SunTrust’s business records will be final and conclusive with respect 
to whether You rejected this Arbitration Provision in a timely and proper fashion. 
This Arbitration Provision will apply to You and SunTrust and to Your Account 
unless You reject it by providing proper and timely notice as stated herein.

Your Billing Rights

Keep this notice for future use. It informs You about Your rights and SunTrust’s 
responsibilities under the Fair Credit Billing Act.

What to do if You find a mistake on Your Statement

• If You think there is an error on Your Statement, write SunTrust at:

 ◦ SunTrust Bank 

Cardholder Services, P.O. Box 620548, Orlando, FL 32862-0548 
Attn: Dispute Department

• In Your letter, give SunTrust the following information:

 ◦ Account information: Your name and Account number
 ◦ Dollar amount: The amount of the suspected error
 ◦ Description of problem: If You think there is an error on Your Statement, 
describe what You believe is wrong and why You believe it is a mistake.

• You must contact SunTrust:

 ◦ Within 60 days after the error appeared on Your statement.
 ◦ At least 3 business days before an automated payment is scheduled, if You 

want to stop payment on the amount You think is wrong.

• You must notify SunTrust of any potential errors in writing. You may also call 
SunTrust, but SunTrust is not required to investigate any potential errors and 
You may have to pay the amount in question unless You provide written notice of 
the suspected error.

What will happen after SunTrust receives Your letter

• When SunTrust receives Your letter, SunTrust must do two things:

 ◦ Within 30 days of receiving Your letter, SunTrust must inform You that 

SunTrust received Your letter; SunTrust will also inform You if SunTrust has 
already corrected the error.

 ◦ Within 90 days after receiving Your letter, SunTrust must either correct the 

error or explain to You why SunTrust believes the bill is correct.
• While SunTrust investigates whether or not there has been an error:

 ◦ SunTrust may not (1) attempt to collect the amount in question or (2) report 

You as delinquent on that amount;

 ◦ The charge in question may remain on Your Statement, and SunTrust may 

continue to charge You interest on that amount;

 ◦ While You do not have to pay the amount in question, You are responsible for 

the remainder of Your Balance; and

 ◦ SunTrust may apply any unpaid amount against Your Credit Limit.
• After SunTrust finishes the investigation, one of two things will happen:

 ◦

 ◦

If SunTrust made a mistake, You will not have to pay the amount in question 
or any interest or other fees related to that amount; or
If SunTrust does not believe there was a mistake, You will have to pay 
the amount in question, along with applicable interest and fees; SunTrust 
will send You a statement of the amount You owe and the date payment is 
due; and SunTrust may then report You as delinquent if You do not pay the 
amount SunTrust states that You owe.

• If You receive SunTrust’s explanation but still believe Your bill is wrong, You 
must write to SunTrust within 10 days telling SunTrust that You still refuse 
to pay. If You do so, SunTrust cannot report You as delinquent without also 
reporting that You are questioning Your bill. SunTrust must tell You the name 
of anyone to whom SunTrust reported You as delinquent, and SunTrust must let 
those organizations know when the matter has been settled between SunTrust 
and You.

• If SunTrust does not follow all of the rules above, You do not have to pay the 

first $50 of the amount You question even if Your bill is correct.

• 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.

Agreement – Your Card Account Agreement with SunTrust for the Account, which 

contract is made up of these terms and conditions, Your application or response to 

SunTrust’s solicitation, and the documents that accompany delivery of Your Card 

(Card Mailer).

APR (Annual Percentage Rate) – The cost of Your Credit as a yearly rate. Different 

APRs may apply to different Balances on Your Account, such as Your Balance on 

Purchases or Your Balance on Cash Advances. SunTrust uses the applicable APR 

to calculate the Interest Charge that You owe on the Account. The Card Mailer 

discloses applicable APRs and whether the Account is subject to a Variable or 

Non-Variable APR.

Non-Variable APR – The DPR subject to the Non-Variable Rate will be based on an 

APR that does not vary with changes in an Index Rate. The Card Mailer discloses 

the APR for the Non-Variable Rate as of the date Your Account was opened.

Variable APR –The variable APR will be based on the Index Rate plus a Margin. 

The Card Mailer discloses the APR for the Variable Rate. An increase in the 

Index Rate may result in a higher Minimum Payment.

Assign – SunTrust Assigns Your Account and this Agreement if SunTrust sells or 

transfers to another party any or all of SunTrust’s rights or obligations under 

this Agreement, including any amount that You owe SunTrust on the Account. If 

SunTrust Assigns Your Account, the party who receives the assignment will have 

SunTrust’s rights under this Agreement, subject to the extent of the assignment.

Authorized Charges – Any Purchases, Balance Transfers, Cash Advances, Overdraft 

Advances, and Promotional Balances that You or any Authorized User makes on the 

Account and any fees and Interest Charges owing on the Account.

Authorized User – Any person You authorize to use the Card (whether Cardholder 

or not and whether or not such use exceeds the limit You authorized or intended).

Average Daily Balance – To get the Average Daily Balance, SunTrust adds the 

outstanding Balance (including new transactions and deducting payments and 

credits) for each transaction type for each day in the Billing Period; SunTrust 

adds together all the daily Balances for each separate transaction type, and then 

divides by the number of days in the Billing Period.

Balance – Every charge on the Account, including transactions that You make and 

Interest Charges and fees that SunTrust assesses, falls into a specific Balance, 

such as the Balance on Purchases, Balance Transfers, Cash Advances, Overdraft 

Advances, and Promotional Balances. Fees that are based on a specific transaction 

are assigned to the same Balance as the applicable transaction. For example, a 

cash advance fee on a Purchase is assigned to the Balance on Purchases. Fees that 

are not specific to a given transaction with the Card (like a Returned Payment) are 

assigned to the Balance on Purchases.

Balance Transfer – Credit SunTrust extends resulting from a Balance Transfer that 

You request by any means (including telephone, Convenience Check, or Balance 

Transfer request form that SunTrust provides). SunTrust’s policy is not to allow 

You to transfer any Balance You owe from any other account with SunTrust or 

SunTrust’s respective affiliates. SunTrust may permit You to transfer balances 

from other credit card companies or financial institutions to Your Account up to 

the amount of Your Credit Limit. If You request an amount that SunTrust does 

not approve, SunTrust may process a partial Balance Transfer for less than the 

amount that You requested or SunTrust may decline the entire request. SunTrust 

is not liable if SunTrust does not approve a requested Balance Transfer (in whole 

or in part). Balance Transfer requests that are incomplete or illegible will not 

be approved. SunTrust reserves the right to make Balance Transfers in the order 

SunTrust selects. In order to preserve Your dispute rights, You should not transfer 

balances from other credit card companies or financial institutions if those 

balances are in dispute. You should allow up to 8 weeks for Balance Transfers to be 

completed. You should continue to monitor the other accounts and continue to pay 

the minimum payment due on those accounts until You receive statements from 

those creditors showing that the balances have been paid in full. This confirmation 

may not happen until after the transactions appear on the Statement SunTrust 

sends You. You are solely responsible for any late payments, ongoing finance

charges and disputed amounts on Your other accounts. If You want Your other 

accounts closed following a Balance Transfer, You are responsible for doing so.

Billing Period – The time interval between the dates of Your regular billing 

Statements. Your first Billing Period may be less than one month. All Credit terms, 

including Minimum Interest Charges, will apply in each Billing Period including the 

first Billing Period.

Card – Your Card is/are the physical Card(s), the Account number, or any device 

(such as a check) that You or an Authorized User can use to access Your Account.

Card Association – the applicable credit card association through which Your Card 

Account is sponsored (e.g., Visa® or MasterCard®).

Cardholder – The natural person to whom SunTrust issues a Card at his/her request 

or application, or a natural person who has agreed to pay obligations arising from 

another person’s use of the Card or Account.

Card Mailer – the mail that delivers Your Card and includes Your Agreement and other 

terms associated with Your Card Account when SunTrust sends Your Card to You.

Cash Advance – Credit SunTrust extends to You in the form of a loan from the 

Account. A Cash Advance occurs when You: (1) obtain cash from an ATM (automated 

teller machine), (2) obtain cash from any other source, (3) make a wire transfer, 

(4) buy foreign currency, (5) buy traveler’s checks, (6) buy money orders, (7) buy 

lottery tickets, or (8) buy gambling chips or wagers.

Cash Advance Credit Limit – The maximum amount of Credit that SunTrust 

establishes from time to time and makes available to You on the Account for Cash 

Advances. Any Cash Advance Credit Limit SunTrust establishes may be less than the 

Credit Limit that otherwise applies to Your Account. The Cash Advance Credit Limit 

is stated on the Card Mailer.

Cash Equivalent Transactions – Transactions performed using a merchant or 

service provider that Visa® or MasterCard® identifies as a seller of travelers checks, 

foreign currency, money orders, wire transfers, lottery tickets, funds used for 

wagers or gambling, or similar products or services. These transactions are treated 

as Cash Advances on Your Account.

Closing Date – The last day of a Billing Period.

Convenience Check – A check that the Bank provides which You may use to access 

Your Account to make a Purchase or a Balance Transfer.

Covered Provider – means any third party that provides any product or service 

in connection with the Credit if (and only if) You assert a Claim against such third 

party in connection with a Claim You assert against SunTrust.

Credit – means the credit extension You receive under this Agreement.

Credit Limit – Your Credit Limit will appear on each monthly Statement.

For Accounts with Spending Limits: The maximum amount of Credit that 

SunTrust establishes from time to time and makes available to You on the Account.

For Accounts with no Pre-Set Spending Limits: No pre-set spending limit does 

not mean unlimited spending. Your Account will be assigned a revolving Credit 

Limit. SunTrust may restrict the amount of Your Credit Limit that is available for 

Balance Transfers. For Cash Advances, You may only spend up to Your assigned 

Cash Advance Credit Limit. For Purchases, You may be authorized to exceed Your 

assigned Credit Limit. Each transaction You make is authorized based on factors 

such as (1) Your Account history; (2) credit record; (3) absence or presence of 

suspected fraud; and (4) performance and delinquency patterns. If You attempt 

to make a Purchase transaction that exceeds your Credit Limit, Your Account 

will be evaluated based upon the length of time Your Account has been open 

and Account usage, performance and delinquency patterns or presence of 

suspected fraud; and (4) performance and delinquency patterns. If You attempt 

to make a Purchase transaction that exceeds your Credit Limit, Your Account 

will be evaluated based upon the length of time Your Account has been open 

and Account usage, performance and delinquency patterns with SunTrust or 

with Your other creditors, and Your ability to pay. In certain circumstances, 

SunTrust may ask for additional financial records to authorize a transaction. 

If You are authorized to exceed Your Credit Limit, You will be required to pay, 

as part of your Minimum Payment, the amount by which Your New Balance 

exceeds Your Credit Limit. SunTrust encourages You to provide us with notice of 

forthcoming unusual activity, such as, high transaction amounts, high velocity, 

or changes in geographic patterns.

Default – Subject to applicable law and any right that You may have under that 

law, SunTrust may require immediate payment of Your entire Account Balance 

and You will be in Default if (1) You do not make at least the Minimum Payment 

on or before the payment Due Date, (2) a Cardholder or Authorized User exceeds 

or tries to exceed the Credit Limit without SunTrust’s permission, (3) A payment 

You make is rejected or cannot be processed, (4) SunTrust reasonably believes 

that a Cardholder’s ability to pay SunTrust is materially impaired (for example, if 

You become subject to bankruptcy or insolvency proceedings or if an attachment 

or garnishment proceedings are instituted against You or Your property), (5) 

You provide SunTrust with false, misleading or fraudulent information or a false 

signature, (6) a Cardholder dies or is legally declared incompetent or incapacitated, 

(7) You fail to comply with any provision of this Agreement, (8) You or an Authorized 

User makes illegal use of any financial service under the Account or (9) You or an 

Authorized User continues to use an Account or Card that has been closed.

Delinquency Triggering Event – A Delinquency Triggering Event occurs if You fail to 

make a Minimum Payment within 60 days of its payment Due Date.

DPR (Daily Periodic Rate) – the daily periodic rate is calculated from the 

applicable APR. The DPR is equal to the applicable APR divided by 365 (or 366 in a 

leap year). SunTrust may use DPR to calculate the Interest Charge as described in 

this Agreement. Interest Charges resulting from the application of DPRs will accrue 

daily and be calculated on the Average Daily Balances (including new transactions) 

for each Account feature (Purchases, Cash Advances, Balance Transfers, Overdraft 

Advances, and Promotional Balances).

Due Date – This is the date by which SunTrust must receive Your payment in 

order for it to be on time. Your Due Date will be stated on Your Statement. It will 

occur on the same calendar day of each month. It will be at least 21 days after 

the date SunTrust mails Your Statement and at least 25 days after the end of 

Your most recently concluded Billing Period (Closing Date). To be timely, SunTrust 

must receive Your payment on or before the Due Date and by the time stated on 

Your Statement. If no time is stated on Your Statement, Your payment is timely 

if SunTrust receives it by 5:00 p.m. Eastern Time on the Due Date; provided, 

however, that if You make a payment directly to SunTrust personnel at a SunTrust 

branch, Your payment will be credited to Your Account same day as the day of the 

payment. Payments initiated through SunTrust’s automated telephone service, 

with a customer service representative, or via SunTrust’s web site will be subject 

to the 5:00 p.m. payment cut-off time.

Crediting of Payments to Account: Payments that SunTrust receives prior to 5:00 

p.m. Eastern Time at the mailing address shown on the front of Your Statement 

and in the Standard Payment Instructions will be credited to Your Account as of 

the date of receipt. Payments that SunTrust receives after 5:00 p.m. Eastern 

Time will be credited as of the next day, unless You make the payment directly 

to SunTrust personnel at a SunTrust branch after 5:00 p.m., as stated above. If 

SunTrust accepts a payment received at any other location than the address stated 

in Your Statement and in the Standard Payment Instructions, with no payment 

coupon enclosed, or that does not conform to the Standard Payment Instructions, 

that payment may be subject to a delay in crediting of up to 5 days after the date 

of receipt. This delay may result in additional Interest Charges, Other Charges, 

and possible suspension of Your Account. Payments initiated through SunTrust’s 

automated telephone service (if available) or via SunTrust’s web site will be 

subject to the 5:00 p.m. payment cut-off time.

Grace Period – The time period during which You may avoid paying interest on 

certain transactions. As stated in the Card Mailer, the Grace Period is at least 

25 days after the close of each Billing Period. This Agreement defines the kinds 

of transactions that are subject to a Grace Period (See Interest Charges and 

Transaction Fees Section). If a particular transaction is subject to a Grace Period, 

Your Account starts in a Grace Period for that transaction. The Grace Period will 

continue if You pay Your New Balance on time each Billing Period. You will lose the 

Grace Period if You do not pay Your New Balance in a given Billing Period. To regain 

Your Grace Period after You lose it, You must pay Your New Balance on time for 1 

Billing Period. If You lose Your Grace Period for transactions to which the Grace 

Period previously applied, You will owe interest on any unpaid Balance. Interest on 

those transactions will begin to accrue from the end of the Billing Period for which 

You failed to pay Your New Balance. For any such transactions that You make after 

You lose Your Grace Period, You will pay interest from the Transaction Date until 

the time that You regain the Grace Period for transactions of this type.

Index Rate – The rate used for making variable rate adjustments to Your APR. 

The Index Rate is the Prime Rate as quoted in the “Money Rates” section of The 

Wall Street Journal (Eastern Edition) on the 28th day (or if the 28th day is not a 

business day, the next business day thereafter) of the prior calendar month. If 

The Wall Street Journal (Eastern Edition) is not published or the Prime Rate is not 

given on any of these dates, then the Index Rate will be determined by using the 

immediately preceding published Prime Rate for such date. If the Prime Rate is 

no longer available, SunTrust will choose a new index and notify You as required 

by applicable law. Index Rate changes will be effective on Your Billing Period 

that commences on or after the first day of the next succeeding month after the 

Index Rate is published. (For example, if a new Index Rate is published on June 

28th, the new APR would be effective as of the first day of the Billing Period that 

commences July 1 or after). An Index Rate increase will increase the applicable 

APR, which may increase Your Minimum Payment.

Interest Charge – The cost of Your Credit on the Account as a dollar amount that 

SunTrust derives by applying Your DPR to the Average Daily Balance.

Items – Statements, sales drafts and/or payment instruments.

Joint Ownership Considerations – If a deposit Account (i.e. Protected Account) 

is jointly owned, any owner of BOTH the deposit Account AND the Credit Card 

Account (i.e. the Protector Account) may enroll in overdraft protection without 

the consent of the other owners of that deposit Account. However, any owner 

of either the deposit Account OR Credit Card Account may cancel overdraft 

protection without the consent of other owners. If a jointly owned deposit 

Account is enrolled in overdraft protection: (i) all deposit Account holders will be 

responsible for all overdraft protection advances regardless of which person writes 

a check or initiates a transaction that causes an overdraft (e.g. as a debit Card 

Purchase); and (ii) all deposit Account holders authorize us to share information 

about the Protected Account with each owner of Protector Account, such as type 

of Account and partial Account number. We reserve the right to cancel, suspend, 

or change the terms or conditions of Your overdraft protection service at any 

Late Payment – A payment that You make that SunTrust does not receive before 

Notice Address for Arbitration – means, except as otherwise specified in the 

Arbitration Provision, the address that must be used for giving notices under the 

Provision. The initial Notice Address for You is the latest address SunTrust has in 

SunTrust’s files. The initial Notice Address for SunTrust is: SunTrust Bank Legal 

Department, Attention: General Counsel – Arbitration Election, 303 Peachtree 

Street N.E., Suite 3600, Mail Code 0643, Atlanta, Georgia 30308, although 

SunTrust may give You notice at any time that SunTrust has changed SunTrust’s 

Notice Address.

Other Charges – Charges to Your Account as described in the Other Charges Section 

of this Agreement, including fees for: Late Payments*, Annual Fee, Returned 

Payments*, Stop Payments*, Documentation*, and Phone Payments*. *SunTrust will 

consider reversal of these Other Charges fees on open Accounts in good standing if 

circumstances warrant such consideration, such as claims of Bank errors and other 

mitigating factors.

Overdraft Advance – Credit SunTrust extends to You in the form of a loan from the 

Account to cover an overdraft on a deposit account that You designate at SunTrust. 

You must enroll in the SunTrust overdraft protection program to receive this form 

of Credit.

Promotional Balance – Credit SunTrust extends for an introductory and other 

designated Purchase or Balance Transfer transaction, subject to discounted 

fees and/or a different DPR than your standard DPR for Purchases. Your use of a 

Promotional Offer from SunTrust results in a Promotional Balance.

Promotional Rate – The DPR applied to Promotional Balances.

Protected Account – An eligible SunTrust Consumer Checking Account, Savings 

Account, or Money Market Savings Account linked to this SunTrust Consumer Credit 

Card for overdraft protection.

Protector Account – Your SunTrust Consumer Credit Card Account.

Purchase – Credit SunTrust extends to You when You or an Authorized User (1) 

use(s) the Card or Account to purchase goods, labor, insurance or services through 

sellers and lessors that honor Your Card or Account for the purpose of completing 

a Purchase or (2) use(s) a Convenience Check or other Credit instrument that 

SunTrust provides for You to make a Purchase.

Returned Payment – A payment that You make that Your financial institution 

does not honor. If You have a Returned Payment, SunTrust will assess a fee in 

accordance with the terms of this Agreement. If SunTrust resubmits a Returned 

Payment and Your financial institution subsequently honors it, SunTrust will 

still assess a Returned Payment fee because Your financial institution originally 

returned the payment as unpaid. If Your financial institution returns a payment 

more than once, SunTrust will not charge more than one Returned Payment fee. If 

You make a new payment to SunTrust, however, and Your financial institution does 

not honor it, SunTrust will assess an additional Returned Payment fee.

Standard Payment Instructions – These instructions require You to pay your credit 

Card bill as follows. Pay (1) in U.S. dollars, (2) not in cash, unless You pay at one 

of SunTrust’s branches, (3) from a U.S. deposit account or cashier’s check drawn 

on a U.S. financial institution, (4) without restrictive language (e.g., “payment in 

full”) included or attached to the payment, and (5) not from a credit account that 

SunTrust provides You, such as a Convenience Check drawn on this Account. If You 

make payment in a paper form (like a check, money order, or cashier’s check), You 

must include the payment coupon from Your Statement or write Your Card Account 

number on the payment. If SunTrust decides in the Bank’s discretion to accept 

a form of payment that does not meet these Standard Payment Instructions, 

SunTrust does not waive the Bank’s right to continue to require payments that 

comply with these instructions. If SunTrust decides to accept a payment that You 

make in a foreign currency, SunTrust will choose the conversion rate to apply. 

The date You mail the payment is different from the date the Bank receives the 

payment. The payment date is the date that the Bank receives Your payment in 

accordance with these Standard Payment Instructions. If You fail to comply with 

these Standard Payment Instructions, credit to Your Account for the payment may 

be delayed. This delay may result in additional Interest Charges, Other Charges, 

and possible suspension of Your Account. Contact SunTrust at 866.732.1683 to 

inquire about phone pay. Mailed payments should be sent to: 

SunTrust Bank 

Cardholder Services 

P.O. Box 791278 

Baltimore, MD 21279-1278

NOTE: Any disagreement that You may have with respect to charges on Your 

Statement must be presented to SunTrust in writing separately from your payment 

and to a different address than where Your payments are sent. (See the “Your 

Billing Rights” Section of this Agreement.)

Statement – SunTrust will send You a bill at the end of each Billing Period if Your 

Account has a debit Balance of any amount or a credit Balance of more than 

$1, unless SunTrust has decided Your Account is uncollectible or has closed or 

suspended Your Account for collection proceedings against You. The Statement will 

tell You the total Balance that You owe the Bank as of the end of the last Billing 

Period. It will also tell You the Minimum Payment that You must pay the Bank by 

SunTrust – means (1) SunTrust Bank, the bank that is providing You Credit, and will 

include (2) any person(s) to whom the Credit is transferred or assigned; (3) any 

Covered Provider; (4) the parents, controlling persons, subsidiaries and affiliates 

of the companies in (1)-(3) above; (5) the successors and predecessors of the 

companies in (1)-(4) above; and (6) the officers, directors and employees of the 

companies in (1)-(5) above. SunTrust may also be referred to as “the Bank.” Solely 

for purposes of the Arbitration Provision contained in this Agreement, the term 

“SunTrust” shall also apply to any third parties if You assert a Claim against such 

third parties in connection with a Claim You assert against SunTrust.

time, for any reason.

the Due Date.

Statement.

as of such 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 

the stated Due Date.

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 

Termination Date – This is the last day a Promotional Rate will apply to a 

Promotional Balance. It will be the earlier of (1) the last day specified in the 

Promotional Balance offer or (2) the date identified in any notice to You when a 

Delinquency Triggering Event occurs. 

Transaction Date – The Transaction Date of a Purchase is the sale date. The 

Transaction Date of a Balance Transfer, Cash Advance, or Overdraft Advance is 

the date that You request such a transaction.

You, Your and Yours – means the Cardholder(s).

1The Personal Deposit Account Fee Schedule is accessible at https://www.

suntrust.com/Static/Documents/Personal_Banking/Deposit_Account_Disclosures/

FSRETAILE.pdf.

SunTrust Bank, Member FDIC. ©2017 SunTrust Banks, Inc. SunTrust is a federally 

registered service mark of SunTrust Banks, Inc.

 
 
 
 
Claims Subject to Arbitration

A “Claim” subject to arbitration is 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.

Excluded Claim or Proceeding

Notwithstanding the foregoing, 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) the exercising of 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).

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. To the extent state law is 

applicable under FAA, the law of the state governing Your Account relationship 

with SunTrust shall apply.

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 filed against SunTrust by a state or 

federal government agency, 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 Claim(s) (but not as to any other Claim(s) that have been or 

are later brought), subject to the right to appeal the limitation or invalidation of 

the Class Action Waiver. You and SunTrust acknowledge and agree that under no 

circumstances will a class action be arbitrated.

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 SunTrust Bank Legal Department, Attn: General Counsel – Arbitration Election, 

Mail Code 0643, 303 Peachtree St., N.E., 36th Floor, Atlanta, Georgia 30308 and our 

notice must be sent to the most recent address for You in our files. Any arbitration 

hearing that you attend must take place in a venue reasonably convenient to you. If 

a party files a lawsuit in court asserting Claim(s) that are subject to arbitration and 

the other party files a motion to compel arbitration with the court which is granted, 

it will be the responsibility of the party prosecuting the Claim(s) to commence the 

arbitration proceeding with an arbitration administrator in accordance with this 

Arbitration Provision and the administrator’s rules and procedures.

The arbitration will be administered by JAMS, 1920 Main Street, Suite 300, Irvine, 

CA 92614, www.jamsadr.com, 800.352.5267. The rules and forms of JAMS may be 

obtained by writing to JAMS at the address listed above or visiting their website. 

If JAMS is unable or unwilling to serve as administrator, You and SunTrust may 

agree upon another administrator or, if You and SunTrustare unable to agree, a 

court shall determine the administrator. No company may serve as administrator, 

without the consent of both You and SunTrust, if it adopts or has in place any 

formal or informal policy that is inconsistent with and purports to override the 

terms of this Arbitration Provision. The arbitration will proceed in accordance with 

this Arbitration Provision and the administrator’s rules and procedures including 

any expedited procedures but in the event of a conflict, the provisions of this 

Arbitration Provision shall control.

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. 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 shall 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. 

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.

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 other administrator used, the provisions of this 

Arbitration Provision will control.

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 

involves 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 administered by the administrator. The panel will reconsider 

anew any aspect of the initial award requested by the appealing party. 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 Procedures.” 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 thirty (30) days, to 

resolve the Claim. Such a Claim notification must be sent to SunTrust by certified 

mail, return receipt requested, at SunTrust Bank Legal Department, Attention: 

General Counsel – Claim Notice, 303 Peachtree Street N.E., Suite 3600, Mail Code 

0643, Atlanta, Georgia 30308. This is the sole and only method by which You can 

submit a Claim notification. If (1) You submit a Claim notification in accordance 

with this paragraph on Your own behalf (and not on behalf of any other party); 

(2) You cooperate with SunTrust by promptly providing the information SunTrust 

reasonably requests; (3) SunTrust refuses to provide You with the relief You 

request; and (4) the matter then proceeds to arbitration and the arbitrator 

subsequently determines that You were entitled to such relief (or greater relief), 

You will be entitled to a minimum award of at least $7,500 (not including any 

arbitration fees and attorneys’ fees and costs to which You will also be entitled).

SunTrust encourages You to address all Claims You have in a single Claim 

notification and/or a single arbitration. Accordingly, this $7,500 minimum award is 

a single award that applies to all Claims You have asserted or could have asserted 

in the arbitration. Multiple awards of $7,500 are not contemplated.

Right to Reject Arbitration Provision

Your rights If You are dissatisfied with a Purchase

You may reject this Arbitration Provision and therefore not be subject to being 

required to resolve any claim, dispute, or controversy by arbitration. To reject this 

Arbitration Provision, You and only You personally, must send SunTrust written 

notice of Your decision so that SunTrust receives it at the address listed below 

within forty-five (45) days after the opening date of Your Account. Such notice 

must include a statement that You wish to reject this Arbitration Provision, along 

with Your name, address, Account number, and Your signature and must be 

mailed to the SunTrust Legal Department, Attention: Arbitration Rejection, P.O. 

Box 4418, Mail Code 0643, Atlanta, GA 30302-4418. This procedure is the sole and 

only method by which You can reject this Arbitration Provision and any attempt to 

reject this Arbitration Provision by any other person or through any other method 

or form of notice, including the filing of a lawsuit, will be ineffective. Rejection 

of this Arbitration Provision will not affect any remaining terms of this Agreement 

and will not result in any adverse consequence to You or Your Account. You 

agree that SunTrust’s business records will be final and conclusive with respect 

to whether You rejected this Arbitration Provision in a timely and proper fashion. 

This Arbitration Provision will apply to You and SunTrust and to Your Account 

unless You reject it by providing proper and timely notice as stated herein.

Your Billing Rights

Keep this notice for future use. It informs You about Your rights and SunTrust’s 

responsibilities under the Fair Credit Billing Act.

What to do if You find a mistake on Your Statement

• If You think there is an error on Your Statement, write SunTrust at:

 ◦ SunTrust Bank 

Cardholder Services, P.O. Box 620548, Orlando, FL 32862-0548 

Attn: Dispute Department

• In Your letter, give SunTrust the following information:

 ◦ Account information: Your name and Account number

 ◦ Dollar amount: The amount of the suspected error

 ◦ Description of problem: If You think there is an error on Your Statement, 

describe what You believe is wrong and why You believe it is a mistake.

• You must contact SunTrust:

 ◦ Within 60 days after the error appeared on Your statement.

 ◦ At least 3 business days before an automated payment is scheduled, if You 

want to stop payment on the amount You think is wrong.

• You must notify SunTrust of any potential errors in writing. You may also call 

SunTrust, but SunTrust is not required to investigate any potential errors and 

You may have to pay the amount in question unless You provide written notice of 

the suspected error.

What will happen after SunTrust receives Your letter

• When SunTrust receives Your letter, SunTrust must do two things:

 ◦ Within 30 days of receiving Your letter, SunTrust must inform You that 

SunTrust received Your letter; SunTrust will also inform You if SunTrust has 

already corrected the error.

 ◦ Within 90 days after receiving Your letter, SunTrust must either correct the 

error or explain to You why SunTrust believes the bill is correct.

• While SunTrust investigates whether or not there has been an error:

 ◦ SunTrust may not (1) attempt to collect the amount in question or (2) report 

You as delinquent on that amount;

 ◦ The charge in question may remain on Your Statement, and SunTrust may 

continue to charge You interest on that amount;

 ◦ While You do not have to pay the amount in question, You are responsible for 

the remainder of Your Balance; and

 ◦ SunTrust may apply any unpaid amount against Your Credit Limit.

• After SunTrust finishes the investigation, one of two things will happen:

 ◦

If SunTrust made a mistake, You will not have to pay the amount in question 

or any interest or other fees related to that amount; or

 ◦

If SunTrust does not believe there was a mistake, You will have to pay 

the amount in question, along with applicable interest and fees; SunTrust 

will send You a statement of the amount You owe and the date payment is 

due; and SunTrust may then report You as delinquent if You do not pay the 

amount SunTrust states that You owe.

• If You receive SunTrust’s explanation but still believe Your bill is wrong, You 

must write to SunTrust within 10 days telling SunTrust that You still refuse 

to pay. If You do so, SunTrust cannot report You as delinquent without also 

reporting that You are questioning Your bill. SunTrust must tell You the name 

of anyone to whom SunTrust reported You as delinquent, and SunTrust must let 

those organizations know when the matter has been settled between SunTrust 

and You.

• If SunTrust does not follow all of the rules above, You do not have to pay the 

first $50 of the amount You question even if Your bill is correct.

• 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.
Agreement – Your Card Account Agreement with SunTrust for the Account, which 
contract is made up of these terms and conditions, Your application or response to 
SunTrust’s solicitation, and the documents that accompany delivery of Your Card 
(Card Mailer).
APR (Annual Percentage Rate) – The cost of Your Credit as a yearly rate. Different 
APRs may apply to different Balances on Your Account, such as Your Balance on 
Purchases or Your Balance on Cash Advances. SunTrust uses the applicable APR 
to calculate the Interest Charge that You owe on the Account. The Card Mailer 
discloses applicable APRs and whether the Account is subject to a Variable or 
Non-Variable APR.

Non-Variable APR – The DPR subject to the Non-Variable Rate will be based on an 
APR that does not vary with changes in an Index Rate. The Card Mailer discloses 
the APR for the Non-Variable Rate as of the date Your Account was opened.
Variable APR –The variable APR will be based on the Index Rate plus a Margin. 
The Card Mailer discloses the APR for the Variable Rate. An increase in the 
Index Rate may result in a higher Minimum Payment.

Assign – SunTrust Assigns Your Account and this Agreement if SunTrust sells or 
transfers to another party any or all of SunTrust’s rights or obligations under 
this Agreement, including any amount that You owe SunTrust on the Account. If 
SunTrust Assigns Your Account, the party who receives the assignment will have 
SunTrust’s rights under this Agreement, subject to the extent of the assignment.
Authorized Charges – Any Purchases, Balance Transfers, Cash Advances, Overdraft 
Advances, and Promotional Balances that You or any Authorized User makes on the 
Account and any fees and Interest Charges owing on the Account.
Authorized User – Any person You authorize to use the Card (whether Cardholder 
or not and whether or not such use exceeds the limit You authorized or intended).
Average Daily Balance – To get the Average Daily Balance, SunTrust adds the 
outstanding Balance (including new transactions and deducting payments and 
credits) for each transaction type for each day in the Billing Period; SunTrust 
adds together all the daily Balances for each separate transaction type, and then 
divides by the number of days in the Billing Period.
Balance – Every charge on the Account, including transactions that You make and 
Interest Charges and fees that SunTrust assesses, falls into a specific Balance, 
such as the Balance on Purchases, Balance Transfers, Cash Advances, Overdraft 
Advances, and Promotional Balances. Fees that are based on a specific transaction 
are assigned to the same Balance as the applicable transaction. For example, a 
cash advance fee on a Purchase is assigned to the Balance on Purchases. Fees that 
are not specific to a given transaction with the Card (like a Returned Payment) are 
assigned to the Balance on Purchases.
Balance Transfer – Credit SunTrust extends resulting from a Balance Transfer that 
You request by any means (including telephone, Convenience Check, or Balance 
Transfer request form that SunTrust provides). SunTrust’s policy is not to allow 
You to transfer any Balance You owe from any other account with SunTrust or 
SunTrust’s respective affiliates. SunTrust may permit You to transfer balances 
from other credit card companies or financial institutions to Your Account up to 
the amount of Your Credit Limit. If You request an amount that SunTrust does 
not approve, SunTrust may process a partial Balance Transfer for less than the 
amount that You requested or SunTrust may decline the entire request. SunTrust 
is not liable if SunTrust does not approve a requested Balance Transfer (in whole 
or in part). Balance Transfer requests that are incomplete or illegible will not 
be approved. SunTrust reserves the right to make Balance Transfers in the order 
SunTrust selects. In order to preserve Your dispute rights, You should not transfer 
balances from other credit card companies or financial institutions if those 
balances are in dispute. You should allow up to 8 weeks for Balance Transfers to be 
completed. You should continue to monitor the other accounts and continue to pay 
the minimum payment due on those accounts until You receive statements from 
those creditors showing that the balances have been paid in full. This confirmation 
may not happen until after the transactions appear on the Statement SunTrust 
sends You. You are solely responsible for any late payments, ongoing finance

charges and disputed amounts on Your other accounts. If You want Your other 

accounts closed following a Balance Transfer, You are responsible for doing so.

Billing Period – The time interval between the dates of Your regular billing 

Statements. Your first Billing Period may be less than one month. All Credit terms, 

including Minimum Interest Charges, will apply in each Billing Period including the 

first Billing Period.

Card – Your Card is/are the physical Card(s), the Account number, or any device 

(such as a check) that You or an Authorized User can use to access Your Account.

Card Association – the applicable credit card association through which Your Card 

Account is sponsored (e.g., Visa® or MasterCard®).

Cardholder – The natural person to whom SunTrust issues a Card at his/her request 

or application, or a natural person who has agreed to pay obligations arising from 

another person’s use of the Card or Account.

Card Mailer – the mail that delivers Your Card and includes Your Agreement and other 

terms associated with Your Card Account when SunTrust sends Your Card to You.

Cash Advance – Credit SunTrust extends to You in the form of a loan from the 

Account. A Cash Advance occurs when You: (1) obtain cash from an ATM (automated 

teller machine), (2) obtain cash from any other source, (3) make a wire transfer, 

(4) buy foreign currency, (5) buy traveler’s checks, (6) buy money orders, (7) buy 

lottery tickets, or (8) buy gambling chips or wagers.

Cash Advance Credit Limit – The maximum amount of Credit that SunTrust 

establishes from time to time and makes available to You on the Account for Cash 

Advances. Any Cash Advance Credit Limit SunTrust establishes may be less than the 

Credit Limit that otherwise applies to Your Account. The Cash Advance Credit Limit 

is stated on the Card Mailer.

Cash Equivalent Transactions – Transactions performed using a merchant or 

service provider that Visa® or MasterCard® identifies as a seller of travelers checks, 

foreign currency, money orders, wire transfers, lottery tickets, funds used for 

wagers or gambling, or similar products or services. These transactions are treated 

as Cash Advances on Your Account.

Closing Date – The last day of a Billing Period.

Convenience Check – A check that the Bank provides which You may use to access 

Your Account to make a Purchase or a Balance Transfer.

Covered Provider – means any third party that provides any product or service 

in connection with the Credit if (and only if) You assert a Claim against such third 

party in connection with a Claim You assert against SunTrust.

Credit – means the credit extension You receive under this Agreement.

Credit Limit – Your Credit Limit will appear on each monthly Statement.

For Accounts with Spending Limits: The maximum amount of Credit that 

SunTrust establishes from time to time and makes available to You on the Account.

For Accounts with no Pre-Set Spending Limits: No pre-set spending limit does 

not mean unlimited spending. Your Account will be assigned a revolving Credit 

Limit. SunTrust may restrict the amount of Your Credit Limit that is available for 

Balance Transfers. For Cash Advances, You may only spend up to Your assigned 

Cash Advance Credit Limit. For Purchases, You may be authorized to exceed Your 

assigned Credit Limit. Each transaction You make is authorized based on factors 

such as (1) Your Account history; (2) credit record; (3) absence or presence of 

suspected fraud; and (4) performance and delinquency patterns. If You attempt 

to make a Purchase transaction that exceeds your Credit Limit, Your Account 

will be evaluated based upon the length of time Your Account has been open 

and Account usage, performance and delinquency patterns or presence of 

suspected fraud; and (4) performance and delinquency patterns. If You attempt 

to make a Purchase transaction that exceeds your Credit Limit, Your Account 

will be evaluated based upon the length of time Your Account has been open 

and Account usage, performance and delinquency patterns with SunTrust or 

with Your other creditors, and Your ability to pay. In certain circumstances, 

SunTrust may ask for additional financial records to authorize a transaction. 

If You are authorized to exceed Your Credit Limit, You will be required to pay, 

as part of your Minimum Payment, the amount by which Your New Balance 

exceeds Your Credit Limit. SunTrust encourages You to provide us with notice of 

forthcoming unusual activity, such as, high transaction amounts, high velocity, 

or changes in geographic patterns.

Default – Subject to applicable law and any right that You may have under that 

law, SunTrust may require immediate payment of Your entire Account Balance 

and You will be in Default if (1) You do not make at least the Minimum Payment 

on or before the payment Due Date, (2) a Cardholder or Authorized User exceeds 

or tries to exceed the Credit Limit without SunTrust’s permission, (3) A payment 

You make is rejected or cannot be processed, (4) SunTrust reasonably believes 

that a Cardholder’s ability to pay SunTrust is materially impaired (for example, if 

You become subject to bankruptcy or insolvency proceedings or if an attachment 

or garnishment proceedings are instituted against You or Your property), (5) 

You provide SunTrust with false, misleading or fraudulent information or a false 

signature, (6) a Cardholder dies or is legally declared incompetent or incapacitated, 

(7) You fail to comply with any provision of this Agreement, (8) You or an Authorized 

User makes illegal use of any financial service under the Account or (9) You or an 

Authorized User continues to use an Account or Card that has been closed.

Delinquency Triggering Event – A Delinquency Triggering Event occurs if You fail to 

make a Minimum Payment within 60 days of its payment Due Date.

DPR (Daily Periodic Rate) – the daily periodic rate is calculated from the 

applicable APR. The DPR is equal to the applicable APR divided by 365 (or 366 in a 

leap year). SunTrust may use DPR to calculate the Interest Charge as described in 

this Agreement. Interest Charges resulting from the application of DPRs will accrue 

daily and be calculated on the Average Daily Balances (including new transactions) 

for each Account feature (Purchases, Cash Advances, Balance Transfers, Overdraft 

Advances, and Promotional Balances).

Due Date – This is the date by which SunTrust must receive Your payment in 

order for it to be on time. Your Due Date will be stated on Your Statement. It will 

occur on the same calendar day of each month. It will be at least 21 days after 

the date SunTrust mails Your Statement and at least 25 days after the end of 

Your most recently concluded Billing Period (Closing Date). To be timely, SunTrust 

must receive Your payment on or before the Due Date and by the time stated on 

Your Statement. If no time is stated on Your Statement, Your payment is timely 

if SunTrust receives it by 5:00 p.m. Eastern Time on the Due Date; provided, 

however, that if You make a payment directly to SunTrust personnel at a SunTrust 

branch, Your payment will be credited to Your Account same day as the day of the 

payment. Payments initiated through SunTrust’s automated telephone service, 

with a customer service representative, or via SunTrust’s web site will be subject 

to the 5:00 p.m. payment cut-off time.

Crediting of Payments to Account: Payments that SunTrust receives prior to 5:00 

p.m. Eastern Time at the mailing address shown on the front of Your Statement 

and in the Standard Payment Instructions will be credited to Your Account as of 

the date of receipt. Payments that SunTrust receives after 5:00 p.m. Eastern 

Time will be credited as of the next day, unless You make the payment directly 

to SunTrust personnel at a SunTrust branch after 5:00 p.m., as stated above. If 

SunTrust accepts a payment received at any other location than the address stated 

in Your Statement and in the Standard Payment Instructions, with no payment 

coupon enclosed, or that does not conform to the Standard Payment Instructions, 

that payment may be subject to a delay in crediting of up to 5 days after the date 

of receipt. This delay may result in additional Interest Charges, Other Charges, 

and possible suspension of Your Account. Payments initiated through SunTrust’s 

automated telephone service (if available) or via SunTrust’s web site will be 

subject to the 5:00 p.m. payment cut-off time.

Grace Period – The time period during which You may avoid paying interest on 

certain transactions. As stated in the Card Mailer, the Grace Period is at least 

25 days after the close of each Billing Period. This Agreement defines the kinds 

of transactions that are subject to a Grace Period (See Interest Charges and 

Transaction Fees Section). If a particular transaction is subject to a Grace Period, 

Your Account starts in a Grace Period for that transaction. The Grace Period will 

continue if You pay Your New Balance on time each Billing Period. You will lose the 

Grace Period if You do not pay Your New Balance in a given Billing Period. To regain 

Your Grace Period after You lose it, You must pay Your New Balance on time for 1 

Billing Period. If You lose Your Grace Period for transactions to which the Grace 

Period previously applied, You will owe interest on any unpaid Balance. Interest on 

those transactions will begin to accrue from the end of the Billing Period for which 

You failed to pay Your New Balance. For any such transactions that You make after 

You lose Your Grace Period, You will pay interest from the Transaction Date until 

the time that You regain the Grace Period for transactions of this type.

Index Rate – The rate used for making variable rate adjustments to Your APR. 

The Index Rate is the Prime Rate as quoted in the “Money Rates” section of The 

Wall Street Journal (Eastern Edition) on the 28th day (or if the 28th day is not a 

business day, the next business day thereafter) of the prior calendar month. If 

The Wall Street Journal (Eastern Edition) is not published or the Prime Rate is not 

given on any of these dates, then the Index Rate will be determined by using the 

immediately preceding published Prime Rate for such date. If the Prime Rate is 

no longer available, SunTrust will choose a new index and notify You as required 

by applicable law. Index Rate changes will be effective on Your Billing Period 

that commences on or after the first day of the next succeeding month after the 

Index Rate is published. (For example, if a new Index Rate is published on June 

28th, the new APR would be effective as of the first day of the Billing Period that 

commences July 1 or after). An Index Rate increase will increase the applicable 

APR, which may increase Your Minimum Payment.

Interest Charge – The cost of Your Credit on the Account as a dollar amount that 

SunTrust derives by applying Your DPR to the Average Daily Balance.

Items – Statements, sales drafts and/or payment instruments.

Joint Ownership Considerations – If a deposit Account (i.e. Protected Account) 

is jointly owned, any owner of BOTH the deposit Account AND the Credit Card 

Account (i.e. the Protector Account) may enroll in overdraft protection without 

the consent of the other owners of that deposit Account. However, any owner 

of either the deposit Account OR Credit Card Account may cancel overdraft 

protection without the consent of other owners. If a jointly owned deposit 

Account is enrolled in overdraft protection: (i) all deposit Account holders will be 

responsible for all overdraft protection advances regardless of which person writes 

a check or initiates a transaction that causes an overdraft (e.g. as a debit Card 

Purchase); and (ii) all deposit Account holders authorize us to share information 

about the Protected Account with each owner of Protector Account, such as type 

of Account and partial Account number. We reserve the right to cancel, suspend, 

or change the terms or conditions of Your overdraft protection service at any 

Late Payment – A payment that You make that SunTrust does not receive before 

Notice Address for Arbitration – means, except as otherwise specified in the 

Arbitration Provision, the address that must be used for giving notices under the 

Provision. The initial Notice Address for You is the latest address SunTrust has in 

SunTrust’s files. The initial Notice Address for SunTrust is: SunTrust Bank Legal 

Department, Attention: General Counsel – Arbitration Election, 303 Peachtree 

Street N.E., Suite 3600, Mail Code 0643, Atlanta, Georgia 30308, although 

SunTrust may give You notice at any time that SunTrust has changed SunTrust’s 

Notice Address.

Other Charges – Charges to Your Account as described in the Other Charges Section 

of this Agreement, including fees for: Late Payments*, Annual Fee, Returned 

Payments*, Stop Payments*, Documentation*, and Phone Payments*. *SunTrust will 

consider reversal of these Other Charges fees on open Accounts in good standing if 

circumstances warrant such consideration, such as claims of Bank errors and other 

mitigating factors.

Overdraft Advance – Credit SunTrust extends to You in the form of a loan from the 

Account to cover an overdraft on a deposit account that You designate at SunTrust. 

You must enroll in the SunTrust overdraft protection program to receive this form 

of Credit.

Promotional Balance – Credit SunTrust extends for an introductory and other 

designated Purchase or Balance Transfer transaction, subject to discounted 

fees and/or a different DPR than your standard DPR for Purchases. Your use of a 

Promotional Offer from SunTrust results in a Promotional Balance.

Promotional Rate – The DPR applied to Promotional Balances.

Protected Account – An eligible SunTrust Consumer Checking Account, Savings 

Account, or Money Market Savings Account linked to this SunTrust Consumer Credit 

Card for overdraft protection.

Protector Account – Your SunTrust Consumer Credit Card Account.

Purchase – Credit SunTrust extends to You when You or an Authorized User (1) 

use(s) the Card or Account to purchase goods, labor, insurance or services through 

sellers and lessors that honor Your Card or Account for the purpose of completing 

a Purchase or (2) use(s) a Convenience Check or other Credit instrument that 

SunTrust provides for You to make a Purchase.

Returned Payment – A payment that You make that Your financial institution 

does not honor. If You have a Returned Payment, SunTrust will assess a fee in 

accordance with the terms of this Agreement. If SunTrust resubmits a Returned 

Payment and Your financial institution subsequently honors it, SunTrust will 

still assess a Returned Payment fee because Your financial institution originally 

returned the payment as unpaid. If Your financial institution returns a payment 

more than once, SunTrust will not charge more than one Returned Payment fee. If 

You make a new payment to SunTrust, however, and Your financial institution does 

not honor it, SunTrust will assess an additional Returned Payment fee.

Standard Payment Instructions – These instructions require You to pay your credit 

Card bill as follows. Pay (1) in U.S. dollars, (2) not in cash, unless You pay at one 

of SunTrust’s branches, (3) from a U.S. deposit account or cashier’s check drawn 

on a U.S. financial institution, (4) without restrictive language (e.g., “payment in 

full”) included or attached to the payment, and (5) not from a credit account that 

SunTrust provides You, such as a Convenience Check drawn on this Account. If You 

make payment in a paper form (like a check, money order, or cashier’s check), You 

must include the payment coupon from Your Statement or write Your Card Account 

number on the payment. If SunTrust decides in the Bank’s discretion to accept 

a form of payment that does not meet these Standard Payment Instructions, 

SunTrust does not waive the Bank’s right to continue to require payments that 

comply with these instructions. If SunTrust decides to accept a payment that You 

make in a foreign currency, SunTrust will choose the conversion rate to apply. 

The date You mail the payment is different from the date the Bank receives the 

payment. The payment date is the date that the Bank receives Your payment in 

accordance with these Standard Payment Instructions. If You fail to comply with 

these Standard Payment Instructions, credit to Your Account for the payment may 

be delayed. This delay may result in additional Interest Charges, Other Charges, 

and possible suspension of Your Account. Contact SunTrust at 866.732.1683 to 

inquire about phone pay. Mailed payments should be sent to: 

SunTrust Bank 

Cardholder Services 

P.O. Box 791278 

Baltimore, MD 21279-1278

NOTE: Any disagreement that You may have with respect to charges on Your 

Statement must be presented to SunTrust in writing separately from your payment 

and to a different address than where Your payments are sent. (See the “Your 

Billing Rights” Section of this Agreement.)

Statement – SunTrust will send You a bill at the end of each Billing Period if Your 

Account has a debit Balance of any amount or a credit Balance of more than 

$1, unless SunTrust has decided Your Account is uncollectible or has closed or 

suspended Your Account for collection proceedings against You. The Statement will 

tell You the total Balance that You owe the Bank as of the end of the last Billing 

Period. It will also tell You the Minimum Payment that You must pay the Bank by 

SunTrust – means (1) SunTrust Bank, the bank that is providing You Credit, and will 

include (2) any person(s) to whom the Credit is transferred or assigned; (3) any 

Covered Provider; (4) the parents, controlling persons, subsidiaries and affiliates 

of the companies in (1)-(3) above; (5) the successors and predecessors of the 

companies in (1)-(4) above; and (6) the officers, directors and employees of the 

companies in (1)-(5) above. SunTrust may also be referred to as “the Bank.” Solely 

for purposes of the Arbitration Provision contained in this Agreement, the term 

“SunTrust” shall also apply to any third parties if You assert a Claim against such 

third parties in connection with a Claim You assert against SunTrust.

time, for any reason.

the Due Date.

Statement.

as of such 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 

the stated Due Date.

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 

Termination Date – This is the last day a Promotional Rate will apply to a 

Promotional Balance. It will be the earlier of (1) the last day specified in the 

Promotional Balance offer or (2) the date identified in any notice to You when a 

Delinquency Triggering Event occurs. 

Transaction Date – The Transaction Date of a Purchase is the sale date. The 

Transaction Date of a Balance Transfer, Cash Advance, or Overdraft Advance is 

the date that You request such a transaction.

You, Your and Yours – means the Cardholder(s).

1The Personal Deposit Account Fee Schedule is accessible at https://www.

suntrust.com/Static/Documents/Personal_Banking/Deposit_Account_Disclosures/

FSRETAILE.pdf.

SunTrust Bank, Member FDIC. ©2017 SunTrust Banks, Inc. SunTrust is a federally 

registered service mark of SunTrust Banks, Inc.

 
 
 
 
Claims Subject to Arbitration

A “Claim” subject to arbitration is 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.

Excluded Claim or Proceeding

Notwithstanding the foregoing, 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) the exercising of 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).

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. To the extent state law is 

applicable under FAA, the law of the state governing Your Account relationship 

with SunTrust shall apply.

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 filed against SunTrust by a state or 

federal government agency, 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 Claim(s) (but not as to any other Claim(s) that have been or 

are later brought), subject to the right to appeal the limitation or invalidation of 

the Class Action Waiver. You and SunTrust acknowledge and agree that under no 

circumstances will a class action be arbitrated.

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 SunTrust Bank Legal Department, Attn: General Counsel – Arbitration Election, 

Mail Code 0643, 303 Peachtree St., N.E., 36th Floor, Atlanta, Georgia 30308 and our 

notice must be sent to the most recent address for You in our files. Any arbitration 

hearing that you attend must take place in a venue reasonably convenient to you. If 

a party files a lawsuit in court asserting Claim(s) that are subject to arbitration and 

the other party files a motion to compel arbitration with the court which is granted, 

it will be the responsibility of the party prosecuting the Claim(s) to commence the 

arbitration proceeding with an arbitration administrator in accordance with this 

Arbitration Provision and the administrator’s rules and procedures.

The arbitration will be administered by JAMS, 1920 Main Street, Suite 300, Irvine, 

CA 92614, www.jamsadr.com, 800.352.5267. The rules and forms of JAMS may be 

obtained by writing to JAMS at the address listed above or visiting their website. 

If JAMS is unable or unwilling to serve as administrator, You and SunTrust may 

agree upon another administrator or, if You and SunTrustare unable to agree, a 

court shall determine the administrator. No company may serve as administrator, 

without the consent of both You and SunTrust, if it adopts or has in place any 

formal or informal policy that is inconsistent with and purports to override the 

terms of this Arbitration Provision. The arbitration will proceed in accordance with 

this Arbitration Provision and the administrator’s rules and procedures including 

any expedited procedures but in the event of a conflict, the provisions of this 

Arbitration Provision shall control.

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. 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 shall 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. 

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.

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 other administrator used, the provisions of this 

Arbitration Provision will control.

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 

involves 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 administered by the administrator. The panel will reconsider 

anew any aspect of the initial award requested by the appealing party. 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 Procedures.” 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 thirty (30) days, to 

resolve the Claim. Such a Claim notification must be sent to SunTrust by certified 

mail, return receipt requested, at SunTrust Bank Legal Department, Attention: 

General Counsel – Claim Notice, 303 Peachtree Street N.E., Suite 3600, Mail Code 

0643, Atlanta, Georgia 30308. This is the sole and only method by which You can 

submit a Claim notification. If (1) You submit a Claim notification in accordance 

with this paragraph on Your own behalf (and not on behalf of any other party); 

(2) You cooperate with SunTrust by promptly providing the information SunTrust 

reasonably requests; (3) SunTrust refuses to provide You with the relief You 

request; and (4) the matter then proceeds to arbitration and the arbitrator 

subsequently determines that You were entitled to such relief (or greater relief), 

You will be entitled to a minimum award of at least $7,500 (not including any 

arbitration fees and attorneys’ fees and costs to which You will also be entitled).

SunTrust encourages You to address all Claims You have in a single Claim 

notification and/or a single arbitration. Accordingly, this $7,500 minimum award is 

a single award that applies to all Claims You have asserted or could have asserted 

in the arbitration. Multiple awards of $7,500 are not contemplated.

Right to Reject Arbitration Provision

You may reject this Arbitration Provision and therefore not be subject to being 

required to resolve any claim, dispute, or controversy by arbitration. To reject this 

Arbitration Provision, You and only You personally, must send SunTrust written 

notice of Your decision so that SunTrust receives it at the address listed below 

within forty-five (45) days after the opening date of Your Account. Such notice 

must include a statement that You wish to reject this Arbitration Provision, along 

with Your name, address, Account number, and Your signature and must be 

mailed to the SunTrust Legal Department, Attention: Arbitration Rejection, P.O. 

Box 4418, Mail Code 0643, Atlanta, GA 30302-4418. This procedure is the sole and 

only method by which You can reject this Arbitration Provision and any attempt to 

reject this Arbitration Provision by any other person or through any other method 

or form of notice, including the filing of a lawsuit, will be ineffective. Rejection 

of this Arbitration Provision will not affect any remaining terms of this Agreement 

and will not result in any adverse consequence to You or Your Account. You 

agree that SunTrust’s business records will be final and conclusive with respect 

to whether You rejected this Arbitration Provision in a timely and proper fashion. 

This Arbitration Provision will apply to You and SunTrust and to Your Account 

unless You reject it by providing proper and timely notice as stated herein.

Your Billing Rights

Keep this notice for future use. It informs You about Your rights and SunTrust’s 

responsibilities under the Fair Credit Billing Act.

What to do if You find a mistake on Your Statement

• If You think there is an error on Your Statement, write SunTrust at:

 ◦ SunTrust Bank 

Cardholder Services, P.O. Box 620548, Orlando, FL 32862-0548 

Attn: Dispute Department

• In Your letter, give SunTrust the following information:

 ◦ Account information: Your name and Account number

 ◦ Dollar amount: The amount of the suspected error

 ◦ Description of problem: If You think there is an error on Your Statement, 

describe what You believe is wrong and why You believe it is a mistake.

• You must contact SunTrust:

 ◦ Within 60 days after the error appeared on Your statement.

 ◦ At least 3 business days before an automated payment is scheduled, if You 

want to stop payment on the amount You think is wrong.

• You must notify SunTrust of any potential errors in writing. You may also call 

SunTrust, but SunTrust is not required to investigate any potential errors and 

You may have to pay the amount in question unless You provide written notice of 

the suspected error.

What will happen after SunTrust receives Your letter

• When SunTrust receives Your letter, SunTrust must do two things:

 ◦ Within 30 days of receiving Your letter, SunTrust must inform You that 

SunTrust received Your letter; SunTrust will also inform You if SunTrust has 

already corrected the error.

 ◦ Within 90 days after receiving Your letter, SunTrust must either correct the 

error or explain to You why SunTrust believes the bill is correct.

• While SunTrust investigates whether or not there has been an error:

 ◦ SunTrust may not (1) attempt to collect the amount in question or (2) report 

You as delinquent on that amount;

 ◦ The charge in question may remain on Your Statement, and SunTrust may 

continue to charge You interest on that amount;

 ◦ While You do not have to pay the amount in question, You are responsible for 

the remainder of Your Balance; and

 ◦ SunTrust may apply any unpaid amount against Your Credit Limit.

• After SunTrust finishes the investigation, one of two things will happen:

 ◦

If SunTrust made a mistake, You will not have to pay the amount in question 

or any interest or other fees related to that amount; or

 ◦

If SunTrust does not believe there was a mistake, You will have to pay 

the amount in question, along with applicable interest and fees; SunTrust 

will send You a statement of the amount You owe and the date payment is 

due; and SunTrust may then report You as delinquent if You do not pay the 

amount SunTrust states that You owe.

• If You receive SunTrust’s explanation but still believe Your bill is wrong, You 

must write to SunTrust within 10 days telling SunTrust that You still refuse 

to pay. If You do so, SunTrust cannot report You as delinquent without also 

reporting that You are questioning Your bill. SunTrust must tell You the name 

of anyone to whom SunTrust reported You as delinquent, and SunTrust must let 

those organizations know when the matter has been settled between SunTrust 

and You.

• If SunTrust does not follow all of the rules above, You do not have to pay the 

first $50 of the amount You question even if Your bill is correct.

Your rights If You are dissatisfied with a Purchase

• If You are dissatisfied with the goods or services that You Purchase with Your 

Card/Account, and You have tried in good faith to correct the problem with the 

merchant, You may have the right not to pay the remaining amount due on the 

Purchase. To use this right, all of the following must be true:

 ◦ The Purchase must have been made in Your home state or within 100 miles 

of Your current mailing address, and the purchase price must have been 

more than $50. (Note: Neither of these conditions applies if Your Purchase 

was based on an advertisement SunTrust mailed to You, or if SunTrust owns 

the company that sold You the goods or services.)

 ◦ You must have used Your Card for the Purchase. Purchases made with cash 

advances from an ATM or with a check that accesses Your Account do not 

qualify.

 ◦ You must not yet have fully paid for the Purchase.

• If all of the criteria above are met and You are still dissatisfied with the 

purchase, contact SunTrust in writing at:

 ◦ SunTrust Bank 

Cardholder Services, P.O. Box 620548, Orlando, FL 32862-0548 

Attn: Dispute Department

While SunTrust investigates, the same rules apply to the disputed amount as 

discussed above. After SunTrust finishes the investigation, SunTrust will tell You 

SunTrust’s decision. At that point, if SunTrust thinks You owe an amount and You 

do not pay, SunTrust may report You as delinquent.

Definitions

Account – The credit card Account(s) SunTrust approves for Your use that is/are 

subject to the terms and conditions of this Agreement.

Agreement – Your Card Account Agreement with SunTrust for the Account, which 

contract is made up of these terms and conditions, Your application or response to 

SunTrust’s solicitation, and the documents that accompany delivery of Your Card 

(Card Mailer).

APR (Annual Percentage Rate) – The cost of Your Credit as a yearly rate. Different 

APRs may apply to different Balances on Your Account, such as Your Balance on 

Purchases or Your Balance on Cash Advances. SunTrust uses the applicable APR 

to calculate the Interest Charge that You owe on the Account. The Card Mailer 

discloses applicable APRs and whether the Account is subject to a Variable or 

Non-Variable APR.

Non-Variable APR – The DPR subject to the Non-Variable Rate will be based on an 

APR that does not vary with changes in an Index Rate. The Card Mailer discloses 

the APR for the Non-Variable Rate as of the date Your Account was opened.

Variable APR –The variable APR will be based on the Index Rate plus a Margin. 

The Card Mailer discloses the APR for the Variable Rate. An increase in the 

Index Rate may result in a higher Minimum Payment.

Assign – SunTrust Assigns Your Account and this Agreement if SunTrust sells or 

transfers to another party any or all of SunTrust’s rights or obligations under 

this Agreement, including any amount that You owe SunTrust on the Account. If 

SunTrust Assigns Your Account, the party who receives the assignment will have 

SunTrust’s rights under this Agreement, subject to the extent of the assignment.

Authorized Charges – Any Purchases, Balance Transfers, Cash Advances, Overdraft 

Advances, and Promotional Balances that You or any Authorized User makes on the 

Account and any fees and Interest Charges owing on the Account.

Authorized User – Any person You authorize to use the Card (whether Cardholder 

or not and whether or not such use exceeds the limit You authorized or intended).

Average Daily Balance – To get the Average Daily Balance, SunTrust adds the 

outstanding Balance (including new transactions and deducting payments and 

credits) for each transaction type for each day in the Billing Period; SunTrust 

adds together all the daily Balances for each separate transaction type, and then 

divides by the number of days in the Billing Period.

Balance – Every charge on the Account, including transactions that You make and 

Interest Charges and fees that SunTrust assesses, falls into a specific Balance, 

such as the Balance on Purchases, Balance Transfers, Cash Advances, Overdraft 

Advances, and Promotional Balances. Fees that are based on a specific transaction 

are assigned to the same Balance as the applicable transaction. For example, a 

cash advance fee on a Purchase is assigned to the Balance on Purchases. Fees that 

are not specific to a given transaction with the Card (like a Returned Payment) are 

assigned to the Balance on Purchases.

Balance Transfer – Credit SunTrust extends resulting from a Balance Transfer that 

You request by any means (including telephone, Convenience Check, or Balance 

Transfer request form that SunTrust provides). SunTrust’s policy is not to allow 

You to transfer any Balance You owe from any other account with SunTrust or 

SunTrust’s respective affiliates. SunTrust may permit You to transfer balances 

from other credit card companies or financial institutions to Your Account up to 

the amount of Your Credit Limit. If You request an amount that SunTrust does 

not approve, SunTrust may process a partial Balance Transfer for less than the 

amount that You requested or SunTrust may decline the entire request. SunTrust 

is not liable if SunTrust does not approve a requested Balance Transfer (in whole 

or in part). Balance Transfer requests that are incomplete or illegible will not 

be approved. SunTrust reserves the right to make Balance Transfers in the order 

SunTrust selects. In order to preserve Your dispute rights, You should not transfer 

balances from other credit card companies or financial institutions if those 

balances are in dispute. You should allow up to 8 weeks for Balance Transfers to be 

completed. You should continue to monitor the other accounts and continue to pay 

the minimum payment due on those accounts until You receive statements from 

those creditors showing that the balances have been paid in full. This confirmation 

may not happen until after the transactions appear on the Statement SunTrust 

sends You. You are solely responsible for any late payments, ongoing finance

charges and disputed amounts on Your other accounts. If You want Your other 
accounts closed following a Balance Transfer, You are responsible for doing so.
Billing Period – The time interval between the dates of Your regular billing 
Statements. Your first Billing Period may be less than one month. All Credit terms, 
including Minimum Interest Charges, will apply in each Billing Period including the 
first Billing Period.
Card – Your Card is/are the physical Card(s), the Account number, or any device 
(such as a check) that You or an Authorized User can use to access Your Account.
Card Association – the applicable credit card association through which Your Card 
Account is sponsored (e.g., Visa® or MasterCard®).
Cardholder – The natural person to whom SunTrust issues a Card at his/her request 
or application, or a natural person who has agreed to pay obligations arising from 
another person’s use of the Card or Account.
Card Mailer – the mail that delivers Your Card and includes Your Agreement and other 
terms associated with Your Card Account when SunTrust sends Your Card to You.
Cash Advance – Credit SunTrust extends to You in the form of a loan from the 
Account. A Cash Advance occurs when You: (1) obtain cash from an ATM (automated 
teller machine), (2) obtain cash from any other source, (3) make a wire transfer, 
(4) buy foreign currency, (5) buy traveler’s checks, (6) buy money orders, (7) buy 
lottery tickets, or (8) buy gambling chips or wagers.
Cash Advance Credit Limit – The maximum amount of Credit that SunTrust 
establishes from time to time and makes available to You on the Account for Cash 
Advances. Any Cash Advance Credit Limit SunTrust establishes may be less than the 
Credit Limit that otherwise applies to Your Account. The Cash Advance Credit Limit 
is stated on the Card Mailer.
Cash Equivalent Transactions – Transactions performed using a merchant or 
service provider that Visa® or MasterCard® identifies as a seller of travelers checks, 
foreign currency, money orders, wire transfers, lottery tickets, funds used for 
wagers or gambling, or similar products or services. These transactions are treated 
as Cash Advances on Your Account.
Closing Date – The last day of a Billing Period.
Convenience Check – A check that the Bank provides which You may use to access 
Your Account to make a Purchase or a Balance Transfer.
Covered Provider – means any third party that provides any product or service 
in connection with the Credit if (and only if) You assert a Claim against such third 
party in connection with a Claim You assert against SunTrust.
Credit – means the credit extension You receive under this Agreement.
Credit Limit – Your Credit Limit will appear on each monthly Statement.

For Accounts with Spending Limits: The maximum amount of Credit that 
SunTrust establishes from time to time and makes available to You on the Account.
For Accounts with no Pre-Set Spending Limits: No pre-set spending limit does 
not mean unlimited spending. Your Account will be assigned a revolving Credit 
Limit. SunTrust may restrict the amount of Your Credit Limit that is available for 
Balance Transfers. For Cash Advances, You may only spend up to Your assigned 
Cash Advance Credit Limit. For Purchases, You may be authorized to exceed Your 
assigned Credit Limit. Each transaction You make is authorized based on factors 
such as (1) Your Account history; (2) credit record; (3) absence or presence of 
suspected fraud; and (4) performance and delinquency patterns. If You attempt 
to make a Purchase transaction that exceeds your Credit Limit, Your Account 
will be evaluated based upon the length of time Your Account has been open 
and Account usage, performance and delinquency patterns or presence of 
suspected fraud; and (4) performance and delinquency patterns. If You attempt 
to make a Purchase transaction that exceeds your Credit Limit, Your Account 
will be evaluated based upon the length of time Your Account has been open 
and Account usage, performance and delinquency patterns with SunTrust or 
with Your other creditors, and Your ability to pay. In certain circumstances, 
SunTrust may ask for additional financial records to authorize a transaction. 
If You are authorized to exceed Your Credit Limit, You will be required to pay, 
as part of your Minimum Payment, the amount by which Your New Balance 
exceeds Your Credit Limit. SunTrust encourages You to provide us with notice of 
forthcoming unusual activity, such as, high transaction amounts, high velocity, 
or changes in geographic patterns.

Default – Subject to applicable law and any right that You may have under that 
law, SunTrust may require immediate payment of Your entire Account Balance 
and You will be in Default if (1) You do not make at least the Minimum Payment 
on or before the payment Due Date, (2) a Cardholder or Authorized User exceeds 
or tries to exceed the Credit Limit without SunTrust’s permission, (3) A payment 
You make is rejected or cannot be processed, (4) SunTrust reasonably believes 
that a Cardholder’s ability to pay SunTrust is materially impaired (for example, if 
You become subject to bankruptcy or insolvency proceedings or if an attachment 
or garnishment proceedings are instituted against You or Your property), (5) 
You provide SunTrust with false, misleading or fraudulent information or a false 
signature, (6) a Cardholder dies or is legally declared incompetent or incapacitated, 
(7) You fail to comply with any provision of this Agreement, (8) You or an Authorized 
User makes illegal use of any financial service under the Account or (9) You or an 
Authorized User continues to use an Account or Card that has been closed.
Delinquency Triggering Event – A Delinquency Triggering Event occurs if You fail to 
make a Minimum Payment within 60 days of its payment Due Date.
DPR (Daily Periodic Rate) – the daily periodic rate is calculated from the 
applicable APR. The DPR is equal to the applicable APR divided by 365 (or 366 in a 
leap year). SunTrust may use DPR to calculate the Interest Charge as described in 
this Agreement. Interest Charges resulting from the application of DPRs will accrue 
daily and be calculated on the Average Daily Balances (including new transactions) 
for each Account feature (Purchases, Cash Advances, Balance Transfers, Overdraft 
Advances, and Promotional Balances).

Due Date – This is the date by which SunTrust must receive Your payment in 

order for it to be on time. Your Due Date will be stated on Your Statement. It will 

occur on the same calendar day of each month. It will be at least 21 days after 

the date SunTrust mails Your Statement and at least 25 days after the end of 

Your most recently concluded Billing Period (Closing Date). To be timely, SunTrust 

must receive Your payment on or before the Due Date and by the time stated on 

Your Statement. If no time is stated on Your Statement, Your payment is timely 

if SunTrust receives it by 5:00 p.m. Eastern Time on the Due Date; provided, 

however, that if You make a payment directly to SunTrust personnel at a SunTrust 

branch, Your payment will be credited to Your Account same day as the day of the 

payment. Payments initiated through SunTrust’s automated telephone service, 

with a customer service representative, or via SunTrust’s web site will be subject 

to the 5:00 p.m. payment cut-off time.

Crediting of Payments to Account: Payments that SunTrust receives prior to 5:00 

p.m. Eastern Time at the mailing address shown on the front of Your Statement 

and in the Standard Payment Instructions will be credited to Your Account as of 

the date of receipt. Payments that SunTrust receives after 5:00 p.m. Eastern 

Time will be credited as of the next day, unless You make the payment directly 

to SunTrust personnel at a SunTrust branch after 5:00 p.m., as stated above. If 

SunTrust accepts a payment received at any other location than the address stated 

in Your Statement and in the Standard Payment Instructions, with no payment 

coupon enclosed, or that does not conform to the Standard Payment Instructions, 

that payment may be subject to a delay in crediting of up to 5 days after the date 

of receipt. This delay may result in additional Interest Charges, Other Charges, 

and possible suspension of Your Account. Payments initiated through SunTrust’s 

automated telephone service (if available) or via SunTrust’s web site will be 

subject to the 5:00 p.m. payment cut-off time.

Grace Period – The time period during which You may avoid paying interest on 

certain transactions. As stated in the Card Mailer, the Grace Period is at least 

25 days after the close of each Billing Period. This Agreement defines the kinds 

of transactions that are subject to a Grace Period (See Interest Charges and 

Transaction Fees Section). If a particular transaction is subject to a Grace Period, 

Your Account starts in a Grace Period for that transaction. The Grace Period will 

continue if You pay Your New Balance on time each Billing Period. You will lose the 

Grace Period if You do not pay Your New Balance in a given Billing Period. To regain 

Your Grace Period after You lose it, You must pay Your New Balance on time for 1 

Billing Period. If You lose Your Grace Period for transactions to which the Grace 

Period previously applied, You will owe interest on any unpaid Balance. Interest on 

those transactions will begin to accrue from the end of the Billing Period for which 

You failed to pay Your New Balance. For any such transactions that You make after 

You lose Your Grace Period, You will pay interest from the Transaction Date until 

the time that You regain the Grace Period for transactions of this type.

Index Rate – The rate used for making variable rate adjustments to Your APR. 

The Index Rate is the Prime Rate as quoted in the “Money Rates” section of The 

Wall Street Journal (Eastern Edition) on the 28th day (or if the 28th day is not a 

business day, the next business day thereafter) of the prior calendar month. If 

The Wall Street Journal (Eastern Edition) is not published or the Prime Rate is not 

given on any of these dates, then the Index Rate will be determined by using the 

immediately preceding published Prime Rate for such date. If the Prime Rate is 

no longer available, SunTrust will choose a new index and notify You as required 

by applicable law. Index Rate changes will be effective on Your Billing Period 

that commences on or after the first day of the next succeeding month after the 

Index Rate is published. (For example, if a new Index Rate is published on June 

28th, the new APR would be effective as of the first day of the Billing Period that 

commences July 1 or after). An Index Rate increase will increase the applicable 

APR, which may increase Your Minimum Payment.

Interest Charge – The cost of Your Credit on the Account as a dollar amount that 

SunTrust derives by applying Your DPR to the Average Daily Balance.

Items – Statements, sales drafts and/or payment instruments.

Joint Ownership Considerations – If a deposit Account (i.e. Protected Account) 

is jointly owned, any owner of BOTH the deposit Account AND the Credit Card 

Account (i.e. the Protector Account) may enroll in overdraft protection without 

the consent of the other owners of that deposit Account. However, any owner 

of either the deposit Account OR Credit Card Account may cancel overdraft 

protection without the consent of other owners. If a jointly owned deposit 

Account is enrolled in overdraft protection: (i) all deposit Account holders will be 

responsible for all overdraft protection advances regardless of which person writes 

a check or initiates a transaction that causes an overdraft (e.g. as a debit Card 

Purchase); and (ii) all deposit Account holders authorize us to share information 

about the Protected Account with each owner of Protector Account, such as type 

of Account and partial Account number. We reserve the right to cancel, suspend, 

or change the terms or conditions of Your overdraft protection service at any 

Late Payment – A payment that You make that SunTrust does not receive before 

Notice Address for Arbitration – means, except as otherwise specified in the 

Arbitration Provision, the address that must be used for giving notices under the 

Provision. The initial Notice Address for You is the latest address SunTrust has in 

SunTrust’s files. The initial Notice Address for SunTrust is: SunTrust Bank Legal 

Department, Attention: General Counsel – Arbitration Election, 303 Peachtree 

Street N.E., Suite 3600, Mail Code 0643, Atlanta, Georgia 30308, although 

SunTrust may give You notice at any time that SunTrust has changed SunTrust’s 

Notice Address.

Other Charges – Charges to Your Account as described in the Other Charges Section 

of this Agreement, including fees for: Late Payments*, Annual Fee, Returned 

Payments*, Stop Payments*, Documentation*, and Phone Payments*. *SunTrust will 

consider reversal of these Other Charges fees on open Accounts in good standing if 

circumstances warrant such consideration, such as claims of Bank errors and other 

mitigating factors.

Overdraft Advance – Credit SunTrust extends to You in the form of a loan from the 

Account to cover an overdraft on a deposit account that You designate at SunTrust. 

You must enroll in the SunTrust overdraft protection program to receive this form 

of Credit.

Promotional Balance – Credit SunTrust extends for an introductory and other 

designated Purchase or Balance Transfer transaction, subject to discounted 

fees and/or a different DPR than your standard DPR for Purchases. Your use of a 

Promotional Offer from SunTrust results in a Promotional Balance.

Promotional Rate – The DPR applied to Promotional Balances.

Protected Account – An eligible SunTrust Consumer Checking Account, Savings 

Account, or Money Market Savings Account linked to this SunTrust Consumer Credit 

Card for overdraft protection.

Protector Account – Your SunTrust Consumer Credit Card Account.

Purchase – Credit SunTrust extends to You when You or an Authorized User (1) 

use(s) the Card or Account to purchase goods, labor, insurance or services through 

sellers and lessors that honor Your Card or Account for the purpose of completing 

a Purchase or (2) use(s) a Convenience Check or other Credit instrument that 

SunTrust provides for You to make a Purchase.

Returned Payment – A payment that You make that Your financial institution 

does not honor. If You have a Returned Payment, SunTrust will assess a fee in 

accordance with the terms of this Agreement. If SunTrust resubmits a Returned 

Payment and Your financial institution subsequently honors it, SunTrust will 

still assess a Returned Payment fee because Your financial institution originally 

returned the payment as unpaid. If Your financial institution returns a payment 

more than once, SunTrust will not charge more than one Returned Payment fee. If 

You make a new payment to SunTrust, however, and Your financial institution does 

not honor it, SunTrust will assess an additional Returned Payment fee.

Standard Payment Instructions – These instructions require You to pay your credit 

Card bill as follows. Pay (1) in U.S. dollars, (2) not in cash, unless You pay at one 

of SunTrust’s branches, (3) from a U.S. deposit account or cashier’s check drawn 

on a U.S. financial institution, (4) without restrictive language (e.g., “payment in 

full”) included or attached to the payment, and (5) not from a credit account that 

SunTrust provides You, such as a Convenience Check drawn on this Account. If You 

make payment in a paper form (like a check, money order, or cashier’s check), You 

must include the payment coupon from Your Statement or write Your Card Account 

number on the payment. If SunTrust decides in the Bank’s discretion to accept 

a form of payment that does not meet these Standard Payment Instructions, 

SunTrust does not waive the Bank’s right to continue to require payments that 

comply with these instructions. If SunTrust decides to accept a payment that You 

make in a foreign currency, SunTrust will choose the conversion rate to apply. 

The date You mail the payment is different from the date the Bank receives the 

payment. The payment date is the date that the Bank receives Your payment in 

accordance with these Standard Payment Instructions. If You fail to comply with 

these Standard Payment Instructions, credit to Your Account for the payment may 

be delayed. This delay may result in additional Interest Charges, Other Charges, 

and possible suspension of Your Account. Contact SunTrust at 866.732.1683 to 

inquire about phone pay. Mailed payments should be sent to: 

SunTrust Bank 

Cardholder Services 

P.O. Box 791278 

Baltimore, MD 21279-1278

NOTE: Any disagreement that You may have with respect to charges on Your 

Statement must be presented to SunTrust in writing separately from your payment 

and to a different address than where Your payments are sent. (See the “Your 

Billing Rights” Section of this Agreement.)

Statement – SunTrust will send You a bill at the end of each Billing Period if Your 

Account has a debit Balance of any amount or a credit Balance of more than 

$1, unless SunTrust has decided Your Account is uncollectible or has closed or 

suspended Your Account for collection proceedings against You. The Statement will 

tell You the total Balance that You owe the Bank as of the end of the last Billing 

Period. It will also tell You the Minimum Payment that You must pay the Bank by 

SunTrust – means (1) SunTrust Bank, the bank that is providing You Credit, and will 

include (2) any person(s) to whom the Credit is transferred or assigned; (3) any 

Covered Provider; (4) the parents, controlling persons, subsidiaries and affiliates 

of the companies in (1)-(3) above; (5) the successors and predecessors of the 

companies in (1)-(4) above; and (6) the officers, directors and employees of the 

companies in (1)-(5) above. SunTrust may also be referred to as “the Bank.” Solely 

for purposes of the Arbitration Provision contained in this Agreement, the term 

“SunTrust” shall also apply to any third parties if You assert a Claim against such 

third parties in connection with a Claim You assert against SunTrust.

time, for any reason.

the Due Date.

Statement.

as of such 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 

the stated Due Date.

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 

Termination Date – This is the last day a Promotional Rate will apply to a 

Promotional Balance. It will be the earlier of (1) the last day specified in the 

Promotional Balance offer or (2) the date identified in any notice to You when a 

Delinquency Triggering Event occurs. 

Transaction Date – The Transaction Date of a Purchase is the sale date. The 

Transaction Date of a Balance Transfer, Cash Advance, or Overdraft Advance is 

the date that You request such a transaction.

You, Your and Yours – means the Cardholder(s).

1The Personal Deposit Account Fee Schedule is accessible at https://www.

suntrust.com/Static/Documents/Personal_Banking/Deposit_Account_Disclosures/

FSRETAILE.pdf.

SunTrust Bank, Member FDIC. ©2017 SunTrust Banks, Inc. SunTrust is a federally 

registered service mark of SunTrust Banks, Inc.

 
 
 
 
Claims Subject to Arbitration

A “Claim” subject to arbitration is 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.

Excluded Claim or Proceeding

Notwithstanding the foregoing, 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) the exercising of 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).

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. To the extent state law is 

applicable under FAA, the law of the state governing Your Account relationship 

with SunTrust shall apply.

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 filed against SunTrust by a state or 

federal government agency, 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 Claim(s) (but not as to any other Claim(s) that have been or 

are later brought), subject to the right to appeal the limitation or invalidation of 

the Class Action Waiver. You and SunTrust acknowledge and agree that under no 

circumstances will a class action be arbitrated.

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 SunTrust Bank Legal Department, Attn: General Counsel – Arbitration Election, 

Mail Code 0643, 303 Peachtree St., N.E., 36th Floor, Atlanta, Georgia 30308 and our 

notice must be sent to the most recent address for You in our files. Any arbitration 

hearing that you attend must take place in a venue reasonably convenient to you. If 

a party files a lawsuit in court asserting Claim(s) that are subject to arbitration and 

the other party files a motion to compel arbitration with the court which is granted, 

it will be the responsibility of the party prosecuting the Claim(s) to commence the 

arbitration proceeding with an arbitration administrator in accordance with this 

Arbitration Provision and the administrator’s rules and procedures.

The arbitration will be administered by JAMS, 1920 Main Street, Suite 300, Irvine, 

CA 92614, www.jamsadr.com, 800.352.5267. The rules and forms of JAMS may be 

obtained by writing to JAMS at the address listed above or visiting their website. 

If JAMS is unable or unwilling to serve as administrator, You and SunTrust may 

agree upon another administrator or, if You and SunTrustare unable to agree, a 

court shall determine the administrator. No company may serve as administrator, 

without the consent of both You and SunTrust, if it adopts or has in place any 

formal or informal policy that is inconsistent with and purports to override the 

terms of this Arbitration Provision. The arbitration will proceed in accordance with 

this Arbitration Provision and the administrator’s rules and procedures including 

any expedited procedures but in the event of a conflict, the provisions of this 

Arbitration Provision shall control.

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. 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 shall 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. 

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.

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 other administrator used, the provisions of this 

Arbitration Provision will control.

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 

involves 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 administered by the administrator. The panel will reconsider 

anew any aspect of the initial award requested by the appealing party. 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 Procedures.” 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 thirty (30) days, to 

resolve the Claim. Such a Claim notification must be sent to SunTrust by certified 

mail, return receipt requested, at SunTrust Bank Legal Department, Attention: 

General Counsel – Claim Notice, 303 Peachtree Street N.E., Suite 3600, Mail Code 

0643, Atlanta, Georgia 30308. This is the sole and only method by which You can 

submit a Claim notification. If (1) You submit a Claim notification in accordance 

with this paragraph on Your own behalf (and not on behalf of any other party); 

(2) You cooperate with SunTrust by promptly providing the information SunTrust 

reasonably requests; (3) SunTrust refuses to provide You with the relief You 

request; and (4) the matter then proceeds to arbitration and the arbitrator 

subsequently determines that You were entitled to such relief (or greater relief), 

You will be entitled to a minimum award of at least $7,500 (not including any 

arbitration fees and attorneys’ fees and costs to which You will also be entitled).

SunTrust encourages You to address all Claims You have in a single Claim 

notification and/or a single arbitration. Accordingly, this $7,500 minimum award is 

a single award that applies to all Claims You have asserted or could have asserted 

in the arbitration. Multiple awards of $7,500 are not contemplated.

Right to Reject Arbitration Provision

You may reject this Arbitration Provision and therefore not be subject to being 

required to resolve any claim, dispute, or controversy by arbitration. To reject this 

Arbitration Provision, You and only You personally, must send SunTrust written 

notice of Your decision so that SunTrust receives it at the address listed below 

within forty-five (45) days after the opening date of Your Account. Such notice 

must include a statement that You wish to reject this Arbitration Provision, along 

with Your name, address, Account number, and Your signature and must be 

mailed to the SunTrust Legal Department, Attention: Arbitration Rejection, P.O. 

Box 4418, Mail Code 0643, Atlanta, GA 30302-4418. This procedure is the sole and 

only method by which You can reject this Arbitration Provision and any attempt to 

reject this Arbitration Provision by any other person or through any other method 

or form of notice, including the filing of a lawsuit, will be ineffective. Rejection 

of this Arbitration Provision will not affect any remaining terms of this Agreement 

and will not result in any adverse consequence to You or Your Account. You 

agree that SunTrust’s business records will be final and conclusive with respect 

to whether You rejected this Arbitration Provision in a timely and proper fashion. 

This Arbitration Provision will apply to You and SunTrust and to Your Account 

unless You reject it by providing proper and timely notice as stated herein.

Your Billing Rights

Keep this notice for future use. It informs You about Your rights and SunTrust’s 

responsibilities under the Fair Credit Billing Act.

What to do if You find a mistake on Your Statement

• If You think there is an error on Your Statement, write SunTrust at:

 ◦ SunTrust Bank 

Cardholder Services, P.O. Box 620548, Orlando, FL 32862-0548 

Attn: Dispute Department

• In Your letter, give SunTrust the following information:

 ◦ Account information: Your name and Account number

 ◦ Dollar amount: The amount of the suspected error

 ◦ Description of problem: If You think there is an error on Your Statement, 

describe what You believe is wrong and why You believe it is a mistake.

• You must contact SunTrust:

 ◦ Within 60 days after the error appeared on Your statement.

 ◦ At least 3 business days before an automated payment is scheduled, if You 

want to stop payment on the amount You think is wrong.

• You must notify SunTrust of any potential errors in writing. You may also call 

SunTrust, but SunTrust is not required to investigate any potential errors and 

You may have to pay the amount in question unless You provide written notice of 

the suspected error.

What will happen after SunTrust receives Your letter

• When SunTrust receives Your letter, SunTrust must do two things:

 ◦ Within 30 days of receiving Your letter, SunTrust must inform You that 

SunTrust received Your letter; SunTrust will also inform You if SunTrust has 

already corrected the error.

 ◦ Within 90 days after receiving Your letter, SunTrust must either correct the 

error or explain to You why SunTrust believes the bill is correct.

• While SunTrust investigates whether or not there has been an error:

 ◦ SunTrust may not (1) attempt to collect the amount in question or (2) report 

You as delinquent on that amount;

 ◦ The charge in question may remain on Your Statement, and SunTrust may 

continue to charge You interest on that amount;

 ◦ While You do not have to pay the amount in question, You are responsible for 

the remainder of Your Balance; and

 ◦ SunTrust may apply any unpaid amount against Your Credit Limit.

• After SunTrust finishes the investigation, one of two things will happen:

 ◦

If SunTrust made a mistake, You will not have to pay the amount in question 

or any interest or other fees related to that amount; or

 ◦

If SunTrust does not believe there was a mistake, You will have to pay 

the amount in question, along with applicable interest and fees; SunTrust 

will send You a statement of the amount You owe and the date payment is 

due; and SunTrust may then report You as delinquent if You do not pay the 

amount SunTrust states that You owe.

• If You receive SunTrust’s explanation but still believe Your bill is wrong, You 

must write to SunTrust within 10 days telling SunTrust that You still refuse 

to pay. If You do so, SunTrust cannot report You as delinquent without also 

reporting that You are questioning Your bill. SunTrust must tell You the name 

of anyone to whom SunTrust reported You as delinquent, and SunTrust must let 

those organizations know when the matter has been settled between SunTrust 

and You.

• If SunTrust does not follow all of the rules above, You do not have to pay the 

first $50 of the amount You question even if Your bill is correct.

Your rights If You are dissatisfied with a Purchase

• If You are dissatisfied with the goods or services that You Purchase with Your 

Card/Account, and You have tried in good faith to correct the problem with the 

merchant, You may have the right not to pay the remaining amount due on the 

Purchase. To use this right, all of the following must be true:

 ◦ The Purchase must have been made in Your home state or within 100 miles 

of Your current mailing address, and the purchase price must have been 

more than $50. (Note: Neither of these conditions applies if Your Purchase 

was based on an advertisement SunTrust mailed to You, or if SunTrust owns 

the company that sold You the goods or services.)

 ◦ You must have used Your Card for the Purchase. Purchases made with cash 

advances from an ATM or with a check that accesses Your Account do not 

qualify.

 ◦ You must not yet have fully paid for the Purchase.

• If all of the criteria above are met and You are still dissatisfied with the 

purchase, contact SunTrust in writing at:

 ◦ SunTrust Bank 

Cardholder Services, P.O. Box 620548, Orlando, FL 32862-0548 

Attn: Dispute Department

While SunTrust investigates, the same rules apply to the disputed amount as 

discussed above. After SunTrust finishes the investigation, SunTrust will tell You 

SunTrust’s decision. At that point, if SunTrust thinks You owe an amount and You 

do not pay, SunTrust may report You as delinquent.

Definitions

Account – The credit card Account(s) SunTrust approves for Your use that is/are 

subject to the terms and conditions of this Agreement.

Agreement – Your Card Account Agreement with SunTrust for the Account, which 

contract is made up of these terms and conditions, Your application or response to 

SunTrust’s solicitation, and the documents that accompany delivery of Your Card 

(Card Mailer).

APR (Annual Percentage Rate) – The cost of Your Credit as a yearly rate. Different 

APRs may apply to different Balances on Your Account, such as Your Balance on 

Purchases or Your Balance on Cash Advances. SunTrust uses the applicable APR 

to calculate the Interest Charge that You owe on the Account. The Card Mailer 

discloses applicable APRs and whether the Account is subject to a Variable or 

Non-Variable APR.

Non-Variable APR – The DPR subject to the Non-Variable Rate will be based on an 

APR that does not vary with changes in an Index Rate. The Card Mailer discloses 

the APR for the Non-Variable Rate as of the date Your Account was opened.

Variable APR –The variable APR will be based on the Index Rate plus a Margin. 

The Card Mailer discloses the APR for the Variable Rate. An increase in the 

Index Rate may result in a higher Minimum Payment.

Assign – SunTrust Assigns Your Account and this Agreement if SunTrust sells or 

transfers to another party any or all of SunTrust’s rights or obligations under 

this Agreement, including any amount that You owe SunTrust on the Account. If 

SunTrust Assigns Your Account, the party who receives the assignment will have 

SunTrust’s rights under this Agreement, subject to the extent of the assignment.

Authorized Charges – Any Purchases, Balance Transfers, Cash Advances, Overdraft 

Advances, and Promotional Balances that You or any Authorized User makes on the 

Account and any fees and Interest Charges owing on the Account.

Authorized User – Any person You authorize to use the Card (whether Cardholder 

or not and whether or not such use exceeds the limit You authorized or intended).

Average Daily Balance – To get the Average Daily Balance, SunTrust adds the 

outstanding Balance (including new transactions and deducting payments and 

credits) for each transaction type for each day in the Billing Period; SunTrust 

adds together all the daily Balances for each separate transaction type, and then 

divides by the number of days in the Billing Period.

Balance – Every charge on the Account, including transactions that You make and 

Interest Charges and fees that SunTrust assesses, falls into a specific Balance, 

such as the Balance on Purchases, Balance Transfers, Cash Advances, Overdraft 

Advances, and Promotional Balances. Fees that are based on a specific transaction 

are assigned to the same Balance as the applicable transaction. For example, a 

cash advance fee on a Purchase is assigned to the Balance on Purchases. Fees that 

are not specific to a given transaction with the Card (like a Returned Payment) are 

assigned to the Balance on Purchases.

Balance Transfer – Credit SunTrust extends resulting from a Balance Transfer that 

You request by any means (including telephone, Convenience Check, or Balance 

Transfer request form that SunTrust provides). SunTrust’s policy is not to allow 

You to transfer any Balance You owe from any other account with SunTrust or 

SunTrust’s respective affiliates. SunTrust may permit You to transfer balances 

from other credit card companies or financial institutions to Your Account up to 

the amount of Your Credit Limit. If You request an amount that SunTrust does 

not approve, SunTrust may process a partial Balance Transfer for less than the 

amount that You requested or SunTrust may decline the entire request. SunTrust 

is not liable if SunTrust does not approve a requested Balance Transfer (in whole 

or in part). Balance Transfer requests that are incomplete or illegible will not 

be approved. SunTrust reserves the right to make Balance Transfers in the order 

SunTrust selects. In order to preserve Your dispute rights, You should not transfer 

balances from other credit card companies or financial institutions if those 

balances are in dispute. You should allow up to 8 weeks for Balance Transfers to be 

completed. You should continue to monitor the other accounts and continue to pay 

the minimum payment due on those accounts until You receive statements from 

those creditors showing that the balances have been paid in full. This confirmation 

may not happen until after the transactions appear on the Statement SunTrust 

sends You. You are solely responsible for any late payments, ongoing finance

charges and disputed amounts on Your other accounts. If You want Your other 

accounts closed following a Balance Transfer, You are responsible for doing so.

Billing Period – The time interval between the dates of Your regular billing 

Statements. Your first Billing Period may be less than one month. All Credit terms, 

including Minimum Interest Charges, will apply in each Billing Period including the 

first Billing Period.

Card – Your Card is/are the physical Card(s), the Account number, or any device 

(such as a check) that You or an Authorized User can use to access Your Account.

Card Association – the applicable credit card association through which Your Card 

Account is sponsored (e.g., Visa® or MasterCard®).

Cardholder – The natural person to whom SunTrust issues a Card at his/her request 

or application, or a natural person who has agreed to pay obligations arising from 

another person’s use of the Card or Account.

Card Mailer – the mail that delivers Your Card and includes Your Agreement and other 

terms associated with Your Card Account when SunTrust sends Your Card to You.

Cash Advance – Credit SunTrust extends to You in the form of a loan from the 

Account. A Cash Advance occurs when You: (1) obtain cash from an ATM (automated 

teller machine), (2) obtain cash from any other source, (3) make a wire transfer, 

(4) buy foreign currency, (5) buy traveler’s checks, (6) buy money orders, (7) buy 

lottery tickets, or (8) buy gambling chips or wagers.

Cash Advance Credit Limit – The maximum amount of Credit that SunTrust 

establishes from time to time and makes available to You on the Account for Cash 

Advances. Any Cash Advance Credit Limit SunTrust establishes may be less than the 

Credit Limit that otherwise applies to Your Account. The Cash Advance Credit Limit 

is stated on the Card Mailer.

Cash Equivalent Transactions – Transactions performed using a merchant or 

service provider that Visa® or MasterCard® identifies as a seller of travelers checks, 

foreign currency, money orders, wire transfers, lottery tickets, funds used for 

wagers or gambling, or similar products or services. These transactions are treated 

as Cash Advances on Your Account.

Closing Date – The last day of a Billing Period.

Convenience Check – A check that the Bank provides which You may use to access 

Your Account to make a Purchase or a Balance Transfer.

Covered Provider – means any third party that provides any product or service 

in connection with the Credit if (and only if) You assert a Claim against such third 

party in connection with a Claim You assert against SunTrust.

Credit – means the credit extension You receive under this Agreement.

Credit Limit – Your Credit Limit will appear on each monthly Statement.

For Accounts with Spending Limits: The maximum amount of Credit that 

SunTrust establishes from time to time and makes available to You on the Account.

For Accounts with no Pre-Set Spending Limits: No pre-set spending limit does 

not mean unlimited spending. Your Account will be assigned a revolving Credit 

Limit. SunTrust may restrict the amount of Your Credit Limit that is available for 

Balance Transfers. For Cash Advances, You may only spend up to Your assigned 

Cash Advance Credit Limit. For Purchases, You may be authorized to exceed Your 

assigned Credit Limit. Each transaction You make is authorized based on factors 

such as (1) Your Account history; (2) credit record; (3) absence or presence of 

suspected fraud; and (4) performance and delinquency patterns. If You attempt 

to make a Purchase transaction that exceeds your Credit Limit, Your Account 

will be evaluated based upon the length of time Your Account has been open 

and Account usage, performance and delinquency patterns or presence of 

suspected fraud; and (4) performance and delinquency patterns. If You attempt 

to make a Purchase transaction that exceeds your Credit Limit, Your Account 

will be evaluated based upon the length of time Your Account has been open 

and Account usage, performance and delinquency patterns with SunTrust or 

with Your other creditors, and Your ability to pay. In certain circumstances, 

SunTrust may ask for additional financial records to authorize a transaction. 

If You are authorized to exceed Your Credit Limit, You will be required to pay, 

as part of your Minimum Payment, the amount by which Your New Balance 

exceeds Your Credit Limit. SunTrust encourages You to provide us with notice of 

forthcoming unusual activity, such as, high transaction amounts, high velocity, 

or changes in geographic patterns.

Default – Subject to applicable law and any right that You may have under that 

law, SunTrust may require immediate payment of Your entire Account Balance 

and You will be in Default if (1) You do not make at least the Minimum Payment 

on or before the payment Due Date, (2) a Cardholder or Authorized User exceeds 

or tries to exceed the Credit Limit without SunTrust’s permission, (3) A payment 

You make is rejected or cannot be processed, (4) SunTrust reasonably believes 

that a Cardholder’s ability to pay SunTrust is materially impaired (for example, if 

You become subject to bankruptcy or insolvency proceedings or if an attachment 

or garnishment proceedings are instituted against You or Your property), (5) 

You provide SunTrust with false, misleading or fraudulent information or a false 

signature, (6) a Cardholder dies or is legally declared incompetent or incapacitated, 

(7) You fail to comply with any provision of this Agreement, (8) You or an Authorized 

User makes illegal use of any financial service under the Account or (9) You or an 

Authorized User continues to use an Account or Card that has been closed.

Delinquency Triggering Event – A Delinquency Triggering Event occurs if You fail to 

make a Minimum Payment within 60 days of its payment Due Date.

DPR (Daily Periodic Rate) – the daily periodic rate is calculated from the 

applicable APR. The DPR is equal to the applicable APR divided by 365 (or 366 in a 

leap year). SunTrust may use DPR to calculate the Interest Charge as described in 

this Agreement. Interest Charges resulting from the application of DPRs will accrue 

daily and be calculated on the Average Daily Balances (including new transactions) 

for each Account feature (Purchases, Cash Advances, Balance Transfers, Overdraft 

Advances, and Promotional Balances).

Due Date – This is the date by which SunTrust must receive Your payment in 
order for it to be on time. Your Due Date will be stated on Your Statement. It will 
occur on the same calendar day of each month. It will be at least 21 days after 
the date SunTrust mails Your Statement and at least 25 days after the end of 
Your most recently concluded Billing Period (Closing Date). To be timely, SunTrust 
must receive Your payment on or before the Due Date and by the time stated on 
Your Statement. If no time is stated on Your Statement, Your payment is timely 
if SunTrust receives it by 5:00 p.m. Eastern Time on the Due Date; provided, 
however, that if You make a payment directly to SunTrust personnel at a SunTrust 
branch, Your payment will be credited to Your Account same day as the day of the 
payment. Payments initiated through SunTrust’s automated telephone service, 
with a customer service representative, or via SunTrust’s web site will be subject 
to the 5:00 p.m. payment cut-off time.
Crediting of Payments to Account: Payments that SunTrust receives prior to 5:00 
p.m. Eastern Time at the mailing address shown on the front of Your Statement 
and in the Standard Payment Instructions will be credited to Your Account as of 
the date of receipt. Payments that SunTrust receives after 5:00 p.m. Eastern 
Time will be credited as of the next day, unless You make the payment directly 
to SunTrust personnel at a SunTrust branch after 5:00 p.m., as stated above. If 
SunTrust accepts a payment received at any other location than the address stated 
in Your Statement and in the Standard Payment Instructions, with no payment 
coupon enclosed, or that does not conform to the Standard Payment Instructions, 
that payment may be subject to a delay in crediting of up to 5 days after the date 
of receipt. This delay may result in additional Interest Charges, Other Charges, 
and possible suspension of Your Account. Payments initiated through SunTrust’s 
automated telephone service (if available) or via SunTrust’s web site will be 
subject to the 5:00 p.m. payment cut-off time.
Grace Period – The time period during which You may avoid paying interest on 
certain transactions. As stated in the Card Mailer, the Grace Period is at least 
25 days after the close of each Billing Period. This Agreement defines the kinds 
of transactions that are subject to a Grace Period (See Interest Charges and 
Transaction Fees Section). If a particular transaction is subject to a Grace Period, 
Your Account starts in a Grace Period for that transaction. The Grace Period will 
continue if You pay Your New Balance on time each Billing Period. You will lose the 
Grace Period if You do not pay Your New Balance in a given Billing Period. To regain 
Your Grace Period after You lose it, You must pay Your New Balance on time for 1 
Billing Period. If You lose Your Grace Period for transactions to which the Grace 
Period previously applied, You will owe interest on any unpaid Balance. Interest on 
those transactions will begin to accrue from the end of the Billing Period for which 
You failed to pay Your New Balance. For any such transactions that You make after 
You lose Your Grace Period, You will pay interest from the Transaction Date until 
the time that You regain the Grace Period for transactions of this type.
Index Rate – The rate used for making variable rate adjustments to Your APR. 
The Index Rate is the Prime Rate as quoted in the “Money Rates” section of The 
Wall Street Journal (Eastern Edition) on the 28th day (or if the 28th day is not a 
business day, the next business day thereafter) of the prior calendar month. If 
The Wall Street Journal (Eastern Edition) is not published or the Prime Rate is not 
given on any of these dates, then the Index Rate will be determined by using the 
immediately preceding published Prime Rate for such date. If the Prime Rate is 
no longer available, SunTrust will choose a new index and notify You as required 
by applicable law. Index Rate changes will be effective on Your Billing Period 
that commences on or after the first day of the next succeeding month after the 
Index Rate is published. (For example, if a new Index Rate is published on June 
28th, the new APR would be effective as of the first day of the Billing Period that 
commences July 1 or after). An Index Rate increase will increase the applicable 
APR, which may increase Your Minimum Payment.
Interest Charge – The cost of Your Credit on the Account as a dollar amount that 
SunTrust derives by applying Your DPR to the Average Daily Balance.
Items – Statements, sales drafts and/or payment instruments.
Joint Ownership Considerations – If a deposit Account (i.e. Protected Account) 
is jointly owned, any owner of BOTH the deposit Account AND the Credit Card 
Account (i.e. the Protector Account) may enroll in overdraft protection without 
the consent of the other owners of that deposit Account. However, any owner 
of either the deposit Account OR Credit Card Account may cancel overdraft 
protection without the consent of other owners. If a jointly owned deposit 
Account is enrolled in overdraft protection: (i) all deposit Account holders will be 
responsible for all overdraft protection advances regardless of which person writes 
a check or initiates a transaction that causes an overdraft (e.g. as a debit Card 
Purchase); and (ii) all deposit Account holders authorize us to share information 
about the Protected Account with each owner of Protector Account, such as type 
of Account and partial Account number. We reserve the right to cancel, suspend, 
or change the terms or conditions of Your overdraft protection service at any 
time, for any reason.
Late Payment – A payment that You make that SunTrust does not receive before 
the Due Date.
Margin – The rate added to the Index Rate to determine Your APR.
Minimum Payment – The Minimum Payment due on Your Account as shown on Your 
Statement.
New Balance – The entire Balance of Purchases, Cash Advances, Overdraft 
Advances, Balance Transfers and any Promotional Balances outstanding on Your 
Account on the Closing Date, plus all accrued Interest Charges and Other Charges 
as of such date.

Notice Address for Arbitration – means, except as otherwise specified in the 

Arbitration Provision, the address that must be used for giving notices under the 

Provision. The initial Notice Address for You is the latest address SunTrust has in 

SunTrust’s files. The initial Notice Address for SunTrust is: SunTrust Bank Legal 

Department, Attention: General Counsel – Arbitration Election, 303 Peachtree 

Street N.E., Suite 3600, Mail Code 0643, Atlanta, Georgia 30308, although 

SunTrust may give You notice at any time that SunTrust has changed SunTrust’s 

Notice Address.

Other Charges – Charges to Your Account as described in the Other Charges Section 

of this Agreement, including fees for: Late Payments*, Annual Fee, Returned 

Payments*, Stop Payments*, Documentation*, and Phone Payments*. *SunTrust will 

consider reversal of these Other Charges fees on open Accounts in good standing if 

circumstances warrant such consideration, such as claims of Bank errors and other 

mitigating factors.

Overdraft Advance – Credit SunTrust extends to You in the form of a loan from the 

Account to cover an overdraft on a deposit account that You designate at SunTrust. 

You must enroll in the SunTrust overdraft protection program to receive this form 

of Credit.

Promotional Balance – Credit SunTrust extends for an introductory and other 

designated Purchase or Balance Transfer transaction, subject to discounted 

fees and/or a different DPR than your standard DPR for Purchases. Your use of a 

Promotional Offer from SunTrust results in a Promotional Balance.

Promotional Rate – The DPR applied to Promotional Balances.

Protected Account – An eligible SunTrust Consumer Checking Account, Savings 

Account, or Money Market Savings Account linked to this SunTrust Consumer Credit 

Card for overdraft protection.

Protector Account – Your SunTrust Consumer Credit Card Account.

Purchase – Credit SunTrust extends to You when You or an Authorized User (1) 

use(s) the Card or Account to purchase goods, labor, insurance or services through 

sellers and lessors that honor Your Card or Account for the purpose of completing 

a Purchase or (2) use(s) a Convenience Check or other Credit instrument that 

SunTrust provides for You to make a Purchase.

Returned Payment – A payment that You make that Your financial institution 

does not honor. If You have a Returned Payment, SunTrust will assess a fee in 

accordance with the terms of this Agreement. If SunTrust resubmits a Returned 

Payment and Your financial institution subsequently honors it, SunTrust will 

still assess a Returned Payment fee because Your financial institution originally 

returned the payment as unpaid. If Your financial institution returns a payment 

more than once, SunTrust will not charge more than one Returned Payment fee. If 

You make a new payment to SunTrust, however, and Your financial institution does 

not honor it, SunTrust will assess an additional Returned Payment fee.

Standard Payment Instructions – These instructions require You to pay your credit 

Card bill as follows. Pay (1) in U.S. dollars, (2) not in cash, unless You pay at one 

of SunTrust’s branches, (3) from a U.S. deposit account or cashier’s check drawn 

on a U.S. financial institution, (4) without restrictive language (e.g., “payment in 

full”) included or attached to the payment, and (5) not from a credit account that 

SunTrust provides You, such as a Convenience Check drawn on this Account. If You 

make payment in a paper form (like a check, money order, or cashier’s check), You 

must include the payment coupon from Your Statement or write Your Card Account 

number on the payment. If SunTrust decides in the Bank’s discretion to accept 

a form of payment that does not meet these Standard Payment Instructions, 

SunTrust does not waive the Bank’s right to continue to require payments that 

comply with these instructions. If SunTrust decides to accept a payment that You 

make in a foreign currency, SunTrust will choose the conversion rate to apply. 

The date You mail the payment is different from the date the Bank receives the 

payment. The payment date is the date that the Bank receives Your payment in 

accordance with these Standard Payment Instructions. If You fail to comply with 

these Standard Payment Instructions, credit to Your Account for the payment may 

be delayed. This delay may result in additional Interest Charges, Other Charges, 

and possible suspension of Your Account. Contact SunTrust at 866.732.1683 to 

inquire about phone pay. Mailed payments should be sent to: 

SunTrust Bank 

Cardholder Services 

P.O. Box 791278 

Baltimore, MD 21279-1278

NOTE: Any disagreement that You may have with respect to charges on Your 

Statement must be presented to SunTrust in writing separately from your payment 

and to a different address than where Your payments are sent. (See the “Your 

Billing Rights” Section of this Agreement.)

Statement – SunTrust will send You a bill at the end of each Billing Period if Your 

Account has a debit Balance of any amount or a credit Balance of more than 

$1, unless SunTrust has decided Your Account is uncollectible or has closed or 

suspended Your Account for collection proceedings against You. The Statement will 

tell You the total Balance that You owe the Bank as of the end of the last Billing 

Period. It will also tell You the Minimum Payment that You must pay the Bank by 

the stated Due Date.

SunTrust – means (1) SunTrust Bank, the bank that is providing You Credit, and will 

include (2) any person(s) to whom the Credit is transferred or assigned; (3) any 

Covered Provider; (4) the parents, controlling persons, subsidiaries and affiliates 

of the companies in (1)-(3) above; (5) the successors and predecessors of the 

companies in (1)-(4) above; and (6) the officers, directors and employees of the 

companies in (1)-(5) above. SunTrust may also be referred to as “the Bank.” Solely 

for purposes of the Arbitration Provision contained in this Agreement, the term 

“SunTrust” shall also apply to any third parties if You assert a Claim against such 

third parties in connection with a Claim You assert against SunTrust.

Termination Date – This is the last day a Promotional Rate will apply to a 

Promotional Balance. It will be the earlier of (1) the last day specified in the 

Promotional Balance offer or (2) the date identified in any notice to You when a 

Delinquency Triggering Event occurs. 

Transaction Date – The Transaction Date of a Purchase is the sale date. The 

Transaction Date of a Balance Transfer, Cash Advance, or Overdraft Advance is 

the date that You request such a transaction.

You, Your and Yours – means the Cardholder(s).

1The Personal Deposit Account Fee Schedule is accessible at https://www.

suntrust.com/Static/Documents/Personal_Banking/Deposit_Account_Disclosures/

FSRETAILE.pdf.

SunTrust Bank, Member FDIC. ©2017 SunTrust Banks, Inc. SunTrust is a federally 

registered service mark of SunTrust Banks, Inc.

 
 
 
 
Claims Subject to Arbitration

A “Claim” subject to arbitration is 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.

Excluded Claim or Proceeding

Notwithstanding the foregoing, 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) the exercising of 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).

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. To the extent state law is 

applicable under FAA, the law of the state governing Your Account relationship 

with SunTrust shall apply.

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 filed against SunTrust by a state or 

federal government agency, 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 Claim(s) (but not as to any other Claim(s) that have been or 

are later brought), subject to the right to appeal the limitation or invalidation of 

the Class Action Waiver. You and SunTrust acknowledge and agree that under no 

circumstances will a class action be arbitrated.

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 SunTrust Bank Legal Department, Attn: General Counsel – Arbitration Election,

Mail Code 0643, 303 Peachtree St., N.E., 36th Floor, Atlanta, Georgia 30308 and our

notice must be sent to the most recent address for You in our files. Any arbitration

hearing that you attend must take place in a venue reasonably convenient to you. If

a party files a lawsuit in court asserting Claim(s) that are subject to arbitration and

the other party files a motion to compel arbitration with the court which is granted,

it will be the responsibility of the party prosecuting the Claim(s) to commence the

arbitration proceeding with an arbitration administrator in accordance with this

Arbitration Provision and the administrator’s rules and procedures.

The arbitration will be administered by JAMS, 1920 Main Street, Suite 300, Irvine, 

CA 92614, www.jamsadr.com, 800.352.5267. The rules and forms of JAMS may be 

obtained by writing to JAMS at the address listed above or visiting their website. 

If JAMS is unable or unwilling to serve as administrator, You and SunTrust may 

agree upon another administrator or, if You and SunTrustare unable to agree, a 

court shall determine the administrator. No company may serve as administrator, 

without the consent of both You and SunTrust, if it adopts or has in place any 

formal or informal policy that is inconsistent with and purports to override the 

terms of this Arbitration Provision. The arbitration will proceed in accordance with 

this Arbitration Provision and the administrator’s rules and procedures including 

any expedited procedures but in the event of a conflict, the provisions of this 

Arbitration Provision shall control.

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. 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 shall 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. 

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.

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 other administrator used, the provisions of this 

Arbitration Provision will control.

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

involves 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 administered by the administrator. The panel will reconsider

anew any aspect of the initial award requested by the appealing party. 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 Procedures.” 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 thirty (30) days, to 

resolve the Claim. Such a Claim notification must be sent to SunTrust by certified 

mail, return receipt requested, at SunTrust Bank Legal Department, Attention: 

General Counsel – Claim Notice, 303 Peachtree Street N.E., Suite 3600, Mail Code 

0643, Atlanta, Georgia 30308. This is the sole and only method by which You can 

submit a Claim notification. If (1) You submit a Claim notification in accordance 

with this paragraph on Your own behalf (and not on behalf of any other party); 

(2) You cooperate with SunTrust by promptly providing the information SunTrust

reasonably requests; (3) SunTrust refuses to provide You with the relief You

request; and (4) the matter then proceeds to arbitration and the arbitrator 

subsequently determines that You were entitled to such relief (or greater relief), 

You will be entitled to a minimum award of at least $7,500 (not including any 

arbitration fees and attorneys’ fees and costs to which You will also be entitled).

SunTrust encourages You to address all Claims You have in a single Claim

notification and/or a single arbitration. Accordingly, this $7,500 minimum award is 

a single award that applies to all Claims You have asserted or could have asserted 

in the arbitration. Multiple awards of $7,500 are not contemplated.

Right to Reject Arbitration Provision

You may reject this Arbitration Provision and therefore not be subject to being 

required to resolve any claim, dispute, or controversy by arbitration. To reject this 

Arbitration Provision, You and only You personally, must send SunTrust written 

notice of Your decision so that SunTrust receives it at the address listed below 

within forty-five (45) days after the opening date of Your Account. Such notice 

must include a statement that You wish to reject this Arbitration Provision, along 

with Your name, address, Account number, and Your signature and must be 

mailed to the SunTrust Legal Department, Attention: Arbitration Rejection, P.O. 

Box 4418, Mail Code 0643, Atlanta, GA 30302-4418. This procedure is the sole and 

only method by which You can reject this Arbitration Provision and any attempt to 

reject this Arbitration Provision by any other person or through any other method 

or form of notice, including the filing of a lawsuit, will be ineffective. Rejection 

of this Arbitration Provision will not affect any remaining terms of this Agreement

and will not result in any adverse consequence to You or Your Account. You

agree that SunTrust’s business records will be final and conclusive with respect 

to whether You rejected this Arbitration Provision in a timely and proper fashion. 

This Arbitration Provision will apply to You and SunTrust and to Your Account 

unless You reject it by providing proper and timely notice as stated herein.

Your Billing Rights

Keep this notice for future use. It informs You about Your rights and SunTrust’s 

responsibilities under the Fair Credit Billing Act.

What to do if You find a mistake on Your Statement

•If You think there is an error on Your Statement, write SunTrust at:

◦ SunTrust Bank

Cardholder Services, P.O. Box 620548, Orlando, FL 32862-0548

Attn: Dispute Department

•In Your letter, give SunTrust the following information:

◦ Account information: Your name and Account number

◦ Dollar amount: The amount of the suspected error

◦ Description of problem: If You think there is an error on Your Statement, 

describe what You believe is wrong and why You believe it is a mistake.

•You must contact SunTrust:

◦ Within 60 days after the error appeared on Your statement.

◦ At least 3 business days before an automated payment is scheduled, if You

want to stop payment on the amount You think is wrong.

•You must notify SunTrust of any potential errors in writing. You may also call 

SunTrust, but SunTrust is not required to investigate any potential errors and 

You may have to pay the amount in question unless You provide written notice of 

the suspected error.

What will happen after SunTrust receives Your letter

•When SunTrust receives Your letter, SunTrust must do two things:

◦ Within 30 days of receiving Your letter, SunTrust must inform You that 

SunTrust received Your letter; SunTrust will also inform You if SunTrust has 

already corrected the error.

◦ Within 90 days after receiving Your letter, SunTrust must either correct the 

error or explain to You why SunTrust believes the bill is correct.

•While SunTrust investigates whether or not there has been an error:

◦ SunTrust may not (1) attempt to collect the amount in question or (2) report 

You as delinquent on that amount;

◦ The charge in question may remain on Your Statement, and SunTrust may 

continue to charge You interest on that amount;

◦ While You do not have to pay the amount in question, You are responsible for 

the remainder of Your Balance; and

◦ SunTrust may apply any unpaid amount against Your Credit Limit.

•After SunTrust finishes the investigation, one of two things will happen:

◦

◦

If SunTrust made a mistake, You will not have to pay the amount in question 

or any interest or other fees related to that amount; or

If SunTrust does not believe there was a mistake, You will have to pay 

the amount in question, along with applicable interest and fees; SunTrust

will send You a statement of the amount You owe and the date payment is 

due; and SunTrust may then report You as delinquent if You do not pay the 

amount SunTrust states that You owe.

•If You receive SunTrust’s explanation but still believe Your bill is wrong, You

must write to SunTrust within 10 days telling SunTrust that You still refuse 

to pay. If You do so, SunTrust cannot report You as delinquent without also 

reporting that You are questioning Your bill. SunTrust must tell You the name 

of anyone to whom SunTrust reported You as delinquent, and SunTrust must let 

those organizations know when the matter has been settled between SunTrust

and You.

•If SunTrust does not follow all of the rules above, You do not have to pay the 

first $50 of the amount You question even if Your bill is correct.

Your rights If You are dissatisfied with a Purchase

•If You are dissatisfied with the goods or services that You Purchase with Your 

Card/Account, and You have tried in good faith to correct the problem with the 

merchant, You may have the right not to pay the remaining amount due on the 

Purchase. To use this right, all of the following must be true:

◦ The Purchase must have been made in Your home state or within 100 miles 

of Your current mailing address, and the purchase price must have been 

more than $50. (Note: Neither of these conditions applies if Your Purchase

was based on an advertisement SunTrust mailed to You, or if SunTrust owns 

the company that sold You the goods or services.)

◦ You must have used Your Card for the Purchase. Purchases made with cash 

advances from an ATM or with a check that accesses Your Account do not 

qualify.

◦ You must not yet have fully paid for the Purchase.

•If all of the criteria above are met and You are still dissatisfied with the 

purchase, contact SunTrust in writing at:

◦ SunTrust Bank

Cardholder Services, P.O. Box 620548, Orlando, FL 32862-0548

Attn: Dispute Department

While SunTrust investigates, the same rules apply to the disputed amount as

discussed above. After SunTrust finishes the investigation, SunTrust will tell You

SunTrust’s decision. At that point, if SunTrust thinks You owe an amount and You

do not pay, SunTrust may report You as delinquent.

Definitions

Account – The credit card Account(s) SunTrust approves for Your use that is/are 

subject to the terms and conditions of this Agreement.

Agreement – Your Card Account Agreement with SunTrust for the Account, which 

contract is made up of these terms and conditions, Your application or response to 

SunTrust’s solicitation, and the documents that accompany delivery of Your Card 

(Card Mailer).

APR (Annual Percentage Rate) – The cost of Your Credit as a yearly rate. Different 

APRs may apply to different Balances on Your Account, such as Your Balance on 

Purchases or Your Balance on Cash Advances. SunTrust uses the applicable APR 

to calculate the Interest Charge that You owe on the Account. The Card Mailer 

discloses applicable APRs and whether the Account is subject to a Variable or 

Non-Variable APR.

Non-Variable APR – The DPR subject to the Non-Variable Rate will be based on an

APR that does not vary with changes in an Index Rate. The Card Mailer discloses

the APR for the Non-Variable Rate as of the date Your Account was opened.

Variable APR –The variable APR will be based on the Index Rate plus a Margin. 

The Card Mailer discloses the APR for the Variable Rate. An increase in the 

Index Rate may result in a higher Minimum Payment.

Assign – SunTrust Assigns Your Account and this Agreement if SunTrust sells or 

transfers to another party any or all of SunTrust’s rights or obligations under 

this Agreement, including any amount that You owe SunTrust on the Account. If 

SunTrust Assigns Your Account, the party who receives the assignment will have 

SunTrust’s rights under this Agreement, subject to the extent of the assignment.

Authorized Charges – Any Purchases, Balance Transfers, Cash Advances, Overdraft 

Advances, and Promotional Balances that You or any Authorized User makes on the 

Account and any fees and Interest Charges owing on the Account.

Authorized User – Any person You authorize to use the Card (whether Cardholder 

or not and whether or not such use exceeds the limit You authorized or intended).

Average Daily Balance – To get the Average Daily Balance, SunTrust adds the 

outstanding Balance (including new transactions and deducting payments and 

credits) for each transaction type for each day in the Billing Period; SunTrust 

adds together all the daily Balances for each separate transaction type, and then 

divides by the number of days in the Billing Period.

Balance – Every charge on the Account, including transactions that You make and 

Interest Charges and fees that SunTrust assesses, falls into a specific Balance, 

such as the Balance on Purchases, Balance Transfers, Cash Advances, Overdraft 

Advances, and Promotional Balances. Fees that are based on a specific transaction 

are assigned to the same Balance as the applicable transaction. For example, a 

cash advance fee on a Purchase is assigned to the Balance on Purchases. Fees that 

are not specific to a given transaction with the Card (like a Returned Payment) are 

assigned to the Balance on Purchases.

Balance Transfer – Credit SunTrust extends resulting from a Balance Transfer that 

You request by any means (including telephone, Convenience Check, or Balance 

Transfer request form that SunTrust provides). SunTrust’s policy is not to allow 

You to transfer any Balance You owe from any other account with SunTrust or 

SunTrust’s respective affiliates. SunTrust may permit You to transfer balances 

from other credit card companies or financial institutions to Your Account up to 

the amount of Your Credit Limit. If You request an amount that SunTrust does 

not approve, SunTrust may process a partial Balance Transfer for less than the 

amount that You requested or SunTrust may decline the entire request. SunTrust 

is not liable if SunTrust does not approve a requested Balance Transfer (in whole 

or in part). Balance Transfer requests that are incomplete or illegible will not 

be approved. SunTrust reserves the right to make Balance Transfers in the order 

SunTrust selects. In order to preserve Your dispute rights, You should not transfer 

balances from other credit card companies or financial institutions if those 

balances are in dispute. You should allow up to 8 weeks for Balance Transfers to be 

completed. You should continue to monitor the other accounts and continue to pay 

the minimum payment due on those accounts until You receive statements from 

those creditors showing that the balances have been paid in full. This confirmation 

may not happen until after the transactions appear on the Statement SunTrust 

sends You. You are solely responsible for any late payments, ongoing finance

charges and disputed amounts on Your other accounts. If You want Your other 

accounts closed following a Balance Transfer, You are responsible for doing so.

Billing Period – The time interval between the dates of Your regular billing 

Statements. Your first Billing Period may be less than one month. All Credit terms, 

including Minimum Interest Charges, will apply in each Billing Period including the 

first Billing Period.

Card – Your Card is/are the physical Card(s), the Account number, or any device 

(such as a check) that You or an Authorized User can use to access Your Account.

Card Association – the applicable credit card association through which Your Card 

Account is sponsored (e.g., Visa® or MasterCard®).

Cardholder – The natural person to whom SunTrust issues a Card at his/her request 

or application, or a natural person who has agreed to pay obligations arising from 

another person’s use of the Card or Account.

Card Mailer – the mail that delivers Your Card and includes Your Agreement and other

terms associated with Your Card Account when SunTrust sends Your Card to You.

Cash Advance – Credit SunTrust extends to You in the form of a loan from the 

Account. A Cash Advance occurs when You: (1) obtain cash from an ATM (automated 

teller machine), (2) obtain cash from any other source, (3) make a wire transfer, 

(4) buy foreign currency, (5) buy traveler’s checks, (6) buy money orders, (7) buy 

lottery tickets, or (8) buy gambling chips or wagers.

Cash Advance Credit Limit – The maximum amount of Credit that SunTrust 

establishes from time to time and makes available to You on the Account for Cash 

Advances. Any Cash Advance Credit Limit SunTrust establishes may be less than the 

Credit Limit that otherwise applies to Your Account. The Cash Advance Credit Limit 

is stated on the Card Mailer.

Cash Equivalent Transactions – Transactions performed using a merchant or 

service provider that Visa® or MasterCard® identifies as a seller of travelers checks, 

foreign currency, money orders, wire transfers, lottery tickets, funds used for 

wagers or gambling, or similar products or services. These transactions are treated 

as Cash Advances on Your Account.

Closing Date – The last day of a Billing Period.

Convenience Check – A check that the Bank provides which You may use to access 

Your Account to make a Purchase or a Balance Transfer.

Covered Provider – means any third party that provides any product or service 

in connection with the Credit if (and only if) You assert a Claim against such third 

party in connection with a Claim You assert against SunTrust.

Credit – means the credit extension You receive under this Agreement.

Credit Limit – Your Credit Limit will appear on each monthly Statement.

For Accounts with Spending Limits: The maximum amount of Credit that

SunTrust establishes from time to time and makes available to You on the Account.

For Accounts with no Pre-Set Spending Limits: No pre-set spending limit does

not mean unlimited spending. Your Account will be assigned a revolving Credit

Limit. SunTrust may restrict the amount of Your Credit Limit that is available for

Balance Transfers. For Cash Advances, You may only spend up to Your assigned

Cash Advance Credit Limit. For Purchases, You may be authorized to exceed Your

assigned Credit Limit. Each transaction You make is authorized based on factors

such as (1) Your Account history; (2) credit record; (3) absence or presence of

suspected fraud; and (4) performance and delinquency patterns. If You attempt

to make a Purchase transaction that exceeds your Credit Limit, Your Account 

will be evaluated based upon the length of time Your Account has been open 

and Account usage, performance and delinquency patterns or presence of 

suspected fraud; and (4) performance and delinquency patterns. If You attempt 

to make a Purchase transaction that exceeds your Credit Limit, Your Account 

will be evaluated based upon the length of time Your Account has been open 

and Account usage, performance and delinquency patterns with SunTrust or 

with Your other creditors, and Your ability to pay. In certain circumstances, 

SunTrust may ask for additional financial records to authorize a transaction. 

If You are authorized to exceed Your Credit Limit, You will be required to pay, 

as part of your Minimum Payment, the amount by which Your New Balance 

exceeds Your Credit Limit. SunTrust encourages You to provide us with notice of 

forthcoming unusual activity, such as, high transaction amounts, high velocity, 

or changes in geographic patterns.

Default – Subject to applicable law and any right that You may have under that

law, SunTrust may require immediate payment of Your entire Account Balance

and You will be in Default if (1) You do not make at least the Minimum Payment

on or before the payment Due Date, (2) a Cardholder or Authorized User exceeds

or tries to exceed the Credit Limit without SunTrust’s permission, (3) A payment

You make is rejected or cannot be processed, (4) SunTrust reasonably believes

that a Cardholder’s ability to pay SunTrust is materially impaired (for example, if

You become subject to bankruptcy or insolvency proceedings or if an attachment

or garnishment proceedings are instituted against You or Your property), (5)

You provide SunTrust with false, misleading or fraudulent information or a false

signature, (6) a Cardholder dies or is legally declared incompetent or incapacitated,

(7) You fail to comply with any provision of this Agreement, (8) You or an Authorized

User makes illegal use of any financial service under the Account or (9) You or an

Authorized User continues to use an Account or Card that has been closed.

Delinquency Triggering Event – A Delinquency Triggering Event occurs if You fail to 

make a Minimum Payment within 60 days of its payment Due Date.

DPR (Daily Periodic Rate) – the daily periodic rate is calculated from the 

applicable APR. The DPR is equal to the applicable APR divided by 365 (or 366 in a 

leap year). SunTrust may use DPR to calculate the Interest Charge as described in 

this Agreement. Interest Charges resulting from the application of DPRs will accrue 

daily and be calculated on the Average Daily Balances (including new transactions) 

for each Account feature (Purchases, Cash Advances, Balance Transfers, Overdraft 

Advances, and Promotional Balances).

Due Date – This is the date by which SunTrust must receive Your payment in 

order for it to be on time. Your Due Date will be stated on Your Statement. It will 

occur on the same calendar day of each month. It will be at least 21 days after 

the date SunTrust mails Your Statement and at least 25 days after the end of 

Your most recently concluded Billing Period (Closing Date). To be timely, SunTrust 

must receive Your payment on or before the Due Date and by the time stated on 

Your Statement. If no time is stated on Your Statement, Your payment is timely 

if SunTrust receives it by 5:00 p.m. Eastern Time on the Due Date; provided, 

however, that if You make a payment directly to SunTrust personnel at a SunTrust 

branch, Your payment will be credited to Your Account same day as the day of the 

payment. Payments initiated through SunTrust’s automated telephone service, 

with a customer service representative, or via SunTrust’s web site will be subject 

to the 5:00 p.m. payment cut-off time.

Crediting of Payments to Account: Payments that SunTrust receives prior to 5:00 

p.m. Eastern Time at the mailing address shown on the front of Your Statement 

and in the Standard Payment Instructions will be credited to Your Account as of 

the date of receipt. Payments that SunTrust receives after 5:00 p.m. Eastern 

Time will be credited as of the next day, unless You make the payment directly 

to SunTrust personnel at a SunTrust branch after 5:00 p.m., as stated above. If 

SunTrust accepts a payment received at any other location than the address stated 

in Your Statement and in the Standard Payment Instructions, with no payment 

coupon enclosed, or that does not conform to the Standard Payment Instructions, 

that payment may be subject to a delay in crediting of up to 5 days after the date 

of receipt. This delay may result in additional Interest Charges, Other Charges, 

and possible suspension of Your Account. Payments initiated through SunTrust’s 

automated telephone service (if available) or via SunTrust’s web site will be 

subject to the 5:00 p.m. payment cut-off time.

Grace Period – The time period during which You may avoid paying interest on 

certain transactions. As stated in the Card Mailer, the Grace Period is at least 

25 days after the close of each Billing Period. This Agreement defines the kinds 

of transactions that are subject to a Grace Period (See Interest Charges and 

Transaction Fees Section). If a particular transaction is subject to a Grace Period, 

Your Account starts in a Grace Period for that transaction. The Grace Period will 

continue if You pay Your New Balance on time each Billing Period. You will lose the 

Grace Period if You do not pay Your New Balance in a given Billing Period. To regain 

Your Grace Period after You lose it, You must pay Your New Balance on time for 1 

Billing Period. If You lose Your Grace Period for transactions to which the Grace 

Period previously applied, You will owe interest on any unpaid Balance. Interest on 

those transactions will begin to accrue from the end of the Billing Period for which 

You failed to pay Your New Balance. For any such transactions that You make after 

You lose Your Grace Period, You will pay interest from the Transaction Date until 

the time that You regain the Grace Period for transactions of this type.

Index Rate – The rate used for making variable rate adjustments to Your APR. 

The Index Rate is the Prime Rate as quoted in the “Money Rates” section of The 

Wall Street Journal (Eastern Edition) on the 28th day (or if the 28th day is not a 

business day, the next business day thereafter) of the prior calendar month. If 

The Wall Street Journal (Eastern Edition) is not published or the Prime Rate is not 

given on any of these dates, then the Index Rate will be determined by using the 

immediately preceding published Prime Rate for such date. If the Prime Rate is 

no longer available, SunTrust will choose a new index and notify You as required 

by applicable law. Index Rate changes will be effective on Your Billing Period 

that commences on or after the first day of the next succeeding month after the 

Index Rate is published. (For example, if a new Index Rate is published on June 

28th, the new APR would be effective as of the first day of the Billing Period that 

commences July 1 or after). An Index Rate increase will increase the applicable 

APR, which may increase Your Minimum Payment.

Interest Charge – The cost of Your Credit on the Account as a dollar amount that 

SunTrust derives by applying Your DPR to the Average Daily Balance.

Items – Statements, sales drafts and/or payment instruments.

Joint Ownership Considerations – If a deposit Account (i.e. Protected Account) 

is jointly owned, any owner of BOTH the deposit Account AND the Credit Card 

Account (i.e. the Protector Account) may enroll in overdraft protection without

the consent of the other owners of that deposit Account. However, any owner 

of either the deposit Account OR Credit Card Account may cancel overdraft 

protection without the consent of other owners. If a jointly owned deposit 

Account is enrolled in overdraft protection: (i) all deposit Account holders will be 

responsible for all overdraft protection advances regardless of which person writes 

a check or initiates a transaction that causes an overdraft (e.g. as a debit Card 

Purchase); and (ii) all deposit Account holders authorize us to share information 

about the Protected Account with each owner of Protector Account, such as type 

of Account and partial Account number. We reserve the right to cancel, suspend, 

or change the terms or conditions of Your overdraft protection service at any 

time, for any reason.

the Due Date.

Statement.

as of such date.

Late Payment – A payment that You make that SunTrust does not receive before 

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 

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 

Notice Address for Arbitration – means, except as otherwise specified in the 
Arbitration Provision, the address that must be used for giving notices under the 
Provision. The initial Notice Address for You is the latest address SunTrust has in 
SunTrust’s files. The initial Notice Address for SunTrust is: SunTrust Bank Legal 
Department, Attention: General Counsel – Arbitration Election, 303 Peachtree 
Street N.E., Suite 3600, Mail Code 0643, Atlanta, Georgia 30308, although 
SunTrust may give You notice at any time that SunTrust has changed SunTrust’s 
Notice Address.
Other Charges – Charges to Your Account as described in the Other Charges Section 
of this Agreement, including fees for: Late Payments*, Annual Fee, Returned 
Payments*, Stop Payments*, Documentation*, and Phone Payments*. *SunTrust will 
consider reversal of these Other Charges fees on open Accounts in good standing if 
circumstances warrant such consideration, such as claims of Bank errors and other 
mitigating factors.
Overdraft Advance – Credit SunTrust extends to You in the form of a loan from the 
Account to cover an overdraft on a deposit account that You designate at SunTrust. 
You must enroll in the SunTrust overdraft protection program to receive this form 
of Credit.
Promotional Balance – Credit SunTrust extends for an introductory and other 
designated Purchase or Balance Transfer transaction, subject to discounted 
fees and/or a different DPR than your standard DPR for Purchases. Your use of a 
Promotional Offer from SunTrust results in a Promotional Balance.
Promotional Rate – The DPR applied to Promotional Balances.
Protected Account – An eligible SunTrust Consumer Checking Account, Savings 
Account, or Money Market Savings Account linked to this SunTrust Consumer Credit 
Card for overdraft protection.
Protector Account – Your SunTrust Consumer Credit Card Account.
Purchase – Credit SunTrust extends to You when You or an Authorized User (1) 
use(s) the Card or Account to purchase goods, labor, insurance or services through 
sellers and lessors that honor Your Card or Account for the purpose of completing 
a Purchase or (2) use(s) a Convenience Check or other Credit instrument that 
SunTrust provides for You to make a Purchase.
Returned Payment – A payment that You make that Your financial institution 
does not honor. If You have a Returned Payment, SunTrust will assess a fee in 
accordance with the terms of this Agreement. If SunTrust resubmits a Returned 
Payment and Your financial institution subsequently honors it, SunTrust will 
still assess a Returned Payment fee because Your financial institution originally 
returned the payment as unpaid. If Your financial institution returns a payment 
more than once, SunTrust will not charge more than one Returned Payment fee. If 
You make a new payment to SunTrust, however, and Your financial institution does 
not honor it, SunTrust will assess an additional Returned Payment fee.
Standard Payment Instructions – These instructions require You to pay your credit 
Card bill as follows. Pay (1) in U.S. dollars, (2) not in cash, unless You pay at one 
of SunTrust’s branches, (3) from a U.S. deposit account or cashier’s check drawn 
on a U.S. financial institution, (4) without restrictive language (e.g., “payment in 
full”) included or attached to the payment, and (5) not from a credit account that 
SunTrust provides You, such as a Convenience Check drawn on this Account. If You 
make payment in a paper form (like a check, money order, or cashier’s check), You 
must include the payment coupon from Your Statement or write Your Card Account 
number on the payment. If SunTrust decides in the Bank’s discretion to accept 
a form of payment that does not meet these Standard Payment Instructions, 
SunTrust does not waive the Bank’s right to continue to require payments that 
comply with these instructions. If SunTrust decides to accept a payment that You 
make in a foreign currency, SunTrust will choose the conversion rate to apply. 
The date You mail the payment is different from the date the Bank receives the 
payment. The payment date is the date that the Bank receives Your payment in 
accordance with these Standard Payment Instructions. If You fail to comply with 
these Standard Payment Instructions, credit to Your Account for the payment may 
be delayed. This delay may result in additional Interest Charges, Other Charges, 
and possible suspension of Your Account. Contact SunTrust at 866.732.1683 to 
inquire about phone pay. Mailed payments should be sent to: 

SunTrust Bank 
Cardholder Services 
P.O. Box 791278 
Baltimore, MD 21279-1278

NOTE: Any disagreement that You may have with respect to charges on Your 
Statement must be presented to SunTrust in writing separately from your payment 
and to a different address than where Your payments are sent. (See the “Your 
Billing Rights” Section of this Agreement.)
Statement – SunTrust will send You a bill at the end of each Billing Period if Your 
Account has a debit Balance of any amount or a credit Balance of more than 
$1, unless SunTrust has decided Your Account is uncollectible or has closed or 
suspended Your Account for collection proceedings against You. The Statement will 
tell You the total Balance that You owe the Bank as of the end of the last Billing 
Period. It will also tell You the Minimum Payment that You must pay the Bank by 
the stated Due Date.
SunTrust – means (1) SunTrust Bank, the bank that is providing You Credit, and will 
include (2) any person(s) to whom the Credit is transferred or assigned; (3) any 
Covered Provider; (4) the parents, controlling persons, subsidiaries and affiliates 
of the companies in (1)-(3) above; (5) the successors and predecessors of the 
companies in (1)-(4) above; and (6) the officers, directors and employees of the 
companies in (1)-(5) above. SunTrust may also be referred to as “the Bank.” Solely 
for purposes of the Arbitration Provision contained in this Agreement, the term 
“SunTrust” shall also apply to any third parties if You assert a Claim against such 
third parties in connection with a Claim You assert against SunTrust.

Termination Date – This is the last day a Promotional Rate will apply to a 

Promotional Balance. It will be the earlier of (1) the last day specified in the 

Promotional Balance offer or (2) the date identified in any notice to You when a 

Delinquency Triggering Event occurs. 

Transaction Date – The Transaction Date of a Purchase is the sale date. The

Transaction Date of a Balance Transfer, Cash Advance, or Overdraft Advance is

the date that You request such a transaction.

You, Your and Yours – means the Cardholder(s).

1The Personal Deposit Account Fee Schedule is accessible at https://www.

suntrust.com/Static/Documents/Personal_Banking/Deposit_Account_Disclosures/

FSRETAILE.pdf.

SunTrust Bank, Member FDIC. ©2017 SunTrust Banks, Inc. SunTrust is a federally 

registered service mark of SunTrust Banks, Inc.

Claims Subject to Arbitration

A “Claim” subject to arbitration is 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.

Excluded Claim or Proceeding

Notwithstanding the foregoing, 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) the exercising of 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).

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. To the extent state law is 

applicable under FAA, the law of the state governing Your Account relationship 

with SunTrust shall apply.

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 filed against SunTrust by a state or 

federal government agency, 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 Claim(s) (but not as to any other Claim(s) that have been or 

are later brought), subject to the right to appeal the limitation or invalidation of 

the Class Action Waiver. You and SunTrust acknowledge and agree that under no 

circumstances will a class action be arbitrated.

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 SunTrust Bank Legal Department, Attn: General Counsel – Arbitration Election,

Mail Code 0643, 303 Peachtree St., N.E., 36th Floor, Atlanta, Georgia 30308 and our

notice must be sent to the most recent address for You in our files. Any arbitration

hearing that you attend must take place in a venue reasonably convenient to you. If

a party files a lawsuit in court asserting Claim(s) that are subject to arbitration and

the other party files a motion to compel arbitration with the court which is granted,

it will be the responsibility of the party prosecuting the Claim(s) to commence the

arbitration proceeding with an arbitration administrator in accordance with this

Arbitration Provision and the administrator’s rules and procedures.

The arbitration will be administered by JAMS, 1920 Main Street, Suite 300, Irvine, 

CA 92614, www.jamsadr.com, 800.352.5267. The rules and forms of JAMS may be 

obtained by writing to JAMS at the address listed above or visiting their website. 

If JAMS is unable or unwilling to serve as administrator, You and SunTrust may 

agree upon another administrator or, if You and SunTrustare unable to agree, a 

court shall determine the administrator. No company may serve as administrator, 

without the consent of both You and SunTrust, if it adopts or has in place any 

formal or informal policy that is inconsistent with and purports to override the 

terms of this Arbitration Provision. The arbitration will proceed in accordance with 

this Arbitration Provision and the administrator’s rules and procedures including 

any expedited procedures but in the event of a conflict, the provisions of this 

Arbitration Provision shall control.

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. 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 shall 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. 

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.

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 other administrator used, the provisions of this 

Arbitration Provision will control.

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

involves 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 administered by the administrator. The panel will reconsider

anew any aspect of the initial award requested by the appealing party. 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 Procedures.” 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 thirty (30) days, to 

resolve the Claim. Such a Claim notification must be sent to SunTrust by certified 

mail, return receipt requested, at SunTrust Bank Legal Department, Attention: 

General Counsel – Claim Notice, 303 Peachtree Street N.E., Suite 3600, Mail Code 

0643, Atlanta, Georgia 30308. This is the sole and only method by which You can 

submit a Claim notification. If (1) You submit a Claim notification in accordance 

with this paragraph on Your own behalf (and not on behalf of any other party); 

(2) You cooperate with SunTrust by promptly providing the information SunTrust

reasonably requests; (3) SunTrust refuses to provide You with the relief You

request; and (4) the matter then proceeds to arbitration and the arbitrator 

subsequently determines that You were entitled to such relief (or greater relief), 

You will be entitled to a minimum award of at least $7,500 (not including any 

arbitration fees and attorneys’ fees and costs to which You will also be entitled).

SunTrust encourages You to address all Claims You have in a single Claim

notification and/or a single arbitration. Accordingly, this $7,500 minimum award is 

a single award that applies to all Claims You have asserted or could have asserted 

in the arbitration. Multiple awards of $7,500 are not contemplated.

Right to Reject Arbitration Provision

You may reject this Arbitration Provision and therefore not be subject to being 

required to resolve any claim, dispute, or controversy by arbitration. To reject this 

Arbitration Provision, You and only You personally, must send SunTrust written 

notice of Your decision so that SunTrust receives it at the address listed below 

within forty-five (45) days after the opening date of Your Account. Such notice 

must include a statement that You wish to reject this Arbitration Provision, along 

with Your name, address, Account number, and Your signature and must be 

mailed to the SunTrust Legal Department, Attention: Arbitration Rejection, P.O. 

Box 4418, Mail Code 0643, Atlanta, GA 30302-4418. This procedure is the sole and 

only method by which You can reject this Arbitration Provision and any attempt to 

reject this Arbitration Provision by any other person or through any other method 

or form of notice, including the filing of a lawsuit, will be ineffective. Rejection 

of this Arbitration Provision will not affect any remaining terms of this Agreement

and will not result in any adverse consequence to You or Your Account. You

agree that SunTrust’s business records will be final and conclusive with respect 

to whether You rejected this Arbitration Provision in a timely and proper fashion. 

This Arbitration Provision will apply to You and SunTrust and to Your Account 

unless You reject it by providing proper and timely notice as stated herein.

Your Billing Rights

Keep this notice for future use. It informs You about Your rights and SunTrust’s 

responsibilities under the Fair Credit Billing Act.

What to do if You find a mistake on Your Statement

•If You think there is an error on Your Statement, write SunTrust at:

◦ SunTrust Bank

Cardholder Services, P.O. Box 620548, Orlando, FL 32862-0548

Attn: Dispute Department

•In Your letter, give SunTrust the following information:

◦ Account information: Your name and Account number

◦ Dollar amount: The amount of the suspected error

◦ Description of problem: If You think there is an error on Your Statement, 

describe what You believe is wrong and why You believe it is a mistake.

•You must contact SunTrust:

◦ Within 60 days after the error appeared on Your statement.

◦ At least 3 business days before an automated payment is scheduled, if You

want to stop payment on the amount You think is wrong.

•You must notify SunTrust of any potential errors in writing. You may also call 

SunTrust, but SunTrust is not required to investigate any potential errors and 

You may have to pay the amount in question unless You provide written notice of 

the suspected error.

What will happen after SunTrust receives Your letter

•When SunTrust receives Your letter, SunTrust must do two things:

◦ Within 30 days of receiving Your letter, SunTrust must inform You that 

SunTrust received Your letter; SunTrust will also inform You if SunTrust has 

already corrected the error.

◦ Within 90 days after receiving Your letter, SunTrust must either correct the 

error or explain to You why SunTrust believes the bill is correct.

•While SunTrust investigates whether or not there has been an error:

◦ SunTrust may not (1) attempt to collect the amount in question or (2) report 

You as delinquent on that amount;

◦ The charge in question may remain on Your Statement, and SunTrust may 

continue to charge You interest on that amount;

◦ While You do not have to pay the amount in question, You are responsible for 

the remainder of Your Balance; and

◦ SunTrust may apply any unpaid amount against Your Credit Limit.

•After SunTrust finishes the investigation, one of two things will happen:

◦

◦

If SunTrust made a mistake, You will not have to pay the amount in question 

or any interest or other fees related to that amount; or

If SunTrust does not believe there was a mistake, You will have to pay 

the amount in question, along with applicable interest and fees; SunTrust

will send You a statement of the amount You owe and the date payment is 

due; and SunTrust may then report You as delinquent if You do not pay the 

amount SunTrust states that You owe.

•If You receive SunTrust’s explanation but still believe Your bill is wrong, You

must write to SunTrust within 10 days telling SunTrust that You still refuse 

to pay. If You do so, SunTrust cannot report You as delinquent without also 

reporting that You are questioning Your bill. SunTrust must tell You the name 

of anyone to whom SunTrust reported You as delinquent, and SunTrust must let 

those organizations know when the matter has been settled between SunTrust

and You.

•If SunTrust does not follow all of the rules above, You do not have to pay the 

first $50 of the amount You question even if Your bill is correct.

Your rights If You are dissatisfied with a Purchase

•If You are dissatisfied with the goods or services that You Purchase with Your 

Card/Account, and You have tried in good faith to correct the problem with the 

merchant, You may have the right not to pay the remaining amount due on the 

Purchase. To use this right, all of the following must be true:

◦ The Purchase must have been made in Your home state or within 100 miles 

of Your current mailing address, and the purchase price must have been 

more than $50. (Note: Neither of these conditions applies if Your Purchase

was based on an advertisement SunTrust mailed to You, or if SunTrust owns 

the company that sold You the goods or services.)

◦ You must have used Your Card for the Purchase. Purchases made with cash 

advances from an ATM or with a check that accesses Your Account do not 

qualify.

◦ You must not yet have fully paid for the Purchase.

•If all of the criteria above are met and You are still dissatisfied with the 

purchase, contact SunTrust in writing at:

◦ SunTrust Bank

Cardholder Services, P.O. Box 620548, Orlando, FL 32862-0548

Attn: Dispute Department

While SunTrust investigates, the same rules apply to the disputed amount as

discussed above. After SunTrust finishes the investigation, SunTrust will tell You

SunTrust’s decision. At that point, if SunTrust thinks You owe an amount and You

do not pay, SunTrust may report You as delinquent.

Definitions

Account – The credit card Account(s) SunTrust approves for Your use that is/are 

subject to the terms and conditions of this Agreement.

Agreement – Your Card Account Agreement with SunTrust for the Account, which 

contract is made up of these terms and conditions, Your application or response to 

SunTrust’s solicitation, and the documents that accompany delivery of Your Card 

(Card Mailer).

APR (Annual Percentage Rate) – The cost of Your Credit as a yearly rate. Different 

APRs may apply to different Balances on Your Account, such as Your Balance on 

Purchases or Your Balance on Cash Advances. SunTrust uses the applicable APR 

to calculate the Interest Charge that You owe on the Account. The Card Mailer 

discloses applicable APRs and whether the Account is subject to a Variable or 

Non-Variable APR.

Non-Variable APR – The DPR subject to the Non-Variable Rate will be based on an

APR that does not vary with changes in an Index Rate. The Card Mailer discloses

the APR for the Non-Variable Rate as of the date Your Account was opened.

Variable APR –The variable APR will be based on the Index Rate plus a Margin. 

The Card Mailer discloses the APR for the Variable Rate. An increase in the 

Index Rate may result in a higher Minimum Payment.

Assign – SunTrust Assigns Your Account and this Agreement if SunTrust sells or 

transfers to another party any or all of SunTrust’s rights or obligations under 

this Agreement, including any amount that You owe SunTrust on the Account. If 

SunTrust Assigns Your Account, the party who receives the assignment will have 

SunTrust’s rights under this Agreement, subject to the extent of the assignment.

Authorized Charges – Any Purchases, Balance Transfers, Cash Advances, Overdraft 

Advances, and Promotional Balances that You or any Authorized User makes on the 

Account and any fees and Interest Charges owing on the Account.

Authorized User – Any person You authorize to use the Card (whether Cardholder 

or not and whether or not such use exceeds the limit You authorized or intended).

Average Daily Balance – To get the Average Daily Balance, SunTrust adds the 

outstanding Balance (including new transactions and deducting payments and 

credits) for each transaction type for each day in the Billing Period; SunTrust 

adds together all the daily Balances for each separate transaction type, and then 

divides by the number of days in the Billing Period.

Balance – Every charge on the Account, including transactions that You make and 

Interest Charges and fees that SunTrust assesses, falls into a specific Balance, 

such as the Balance on Purchases, Balance Transfers, Cash Advances, Overdraft 

Advances, and Promotional Balances. Fees that are based on a specific transaction 

are assigned to the same Balance as the applicable transaction. For example, a 

cash advance fee on a Purchase is assigned to the Balance on Purchases. Fees that 

are not specific to a given transaction with the Card (like a Returned Payment) are 

assigned to the Balance on Purchases.

Balance Transfer – Credit SunTrust extends resulting from a Balance Transfer that 

You request by any means (including telephone, Convenience Check, or Balance 

Transfer request form that SunTrust provides). SunTrust’s policy is not to allow 

You to transfer any Balance You owe from any other account with SunTrust or 

SunTrust’s respective affiliates. SunTrust may permit You to transfer balances 

from other credit card companies or financial institutions to Your Account up to 

the amount of Your Credit Limit. If You request an amount that SunTrust does 

not approve, SunTrust may process a partial Balance Transfer for less than the 

amount that You requested or SunTrust may decline the entire request. SunTrust 

is not liable if SunTrust does not approve a requested Balance Transfer (in whole 

or in part). Balance Transfer requests that are incomplete or illegible will not 

be approved. SunTrust reserves the right to make Balance Transfers in the order 

SunTrust selects. In order to preserve Your dispute rights, You should not transfer 

balances from other credit card companies or financial institutions if those 

balances are in dispute. You should allow up to 8 weeks for Balance Transfers to be 

completed. You should continue to monitor the other accounts and continue to pay 

the minimum payment due on those accounts until You receive statements from 

those creditors showing that the balances have been paid in full. This confirmation 

may not happen until after the transactions appear on the Statement SunTrust 

sends You. You are solely responsible for any late payments, ongoing finance

charges and disputed amounts on Your other accounts. If You want Your other 

accounts closed following a Balance Transfer, You are responsible for doing so.

Billing Period – The time interval between the dates of Your regular billing 

Statements. Your first Billing Period may be less than one month. All Credit terms, 

including Minimum Interest Charges, will apply in each Billing Period including the 

first Billing Period.

Card – Your Card is/are the physical Card(s), the Account number, or any device 

(such as a check) that You or an Authorized User can use to access Your Account.

Card Association – the applicable credit card association through which Your Card 

Account is sponsored (e.g., Visa® or MasterCard®).

Cardholder – The natural person to whom SunTrust issues a Card at his/her request 

or application, or a natural person who has agreed to pay obligations arising from 

another person’s use of the Card or Account.

Card Mailer – the mail that delivers Your Card and includes Your Agreement and other

terms associated with Your Card Account when SunTrust sends Your Card to You.

Cash Advance – Credit SunTrust extends to You in the form of a loan from the 

Account. A Cash Advance occurs when You: (1) obtain cash from an ATM (automated 

teller machine), (2) obtain cash from any other source, (3) make a wire transfer, 

(4) buy foreign currency, (5) buy traveler’s checks, (6) buy money orders, (7) buy 

lottery tickets, or (8) buy gambling chips or wagers.

Cash Advance Credit Limit – The maximum amount of Credit that SunTrust 

establishes from time to time and makes available to You on the Account for Cash 

Advances. Any Cash Advance Credit Limit SunTrust establishes may be less than the 

Credit Limit that otherwise applies to Your Account. The Cash Advance Credit Limit 

is stated on the Card Mailer.

Cash Equivalent Transactions – Transactions performed using a merchant or 

service provider that Visa® or MasterCard® identifies as a seller of travelers checks, 

foreign currency, money orders, wire transfers, lottery tickets, funds used for 

wagers or gambling, or similar products or services. These transactions are treated 

as Cash Advances on Your Account.

Closing Date – The last day of a Billing Period.

Convenience Check – A check that the Bank provides which You may use to access 

Your Account to make a Purchase or a Balance Transfer.

Covered Provider – means any third party that provides any product or service 

in connection with the Credit if (and only if) You assert a Claim against such third 

party in connection with a Claim You assert against SunTrust.

Credit – means the credit extension You receive under this Agreement.

Credit Limit – Your Credit Limit will appear on each monthly Statement.

For Accounts with Spending Limits: The maximum amount of Credit that

SunTrust establishes from time to time and makes available to You on the Account.

For Accounts with no Pre-Set Spending Limits: No pre-set spending limit does

not mean unlimited spending. Your Account will be assigned a revolving Credit

Limit. SunTrust may restrict the amount of Your Credit Limit that is available for

Balance Transfers. For Cash Advances, You may only spend up to Your assigned

Cash Advance Credit Limit. For Purchases, You may be authorized to exceed Your

assigned Credit Limit. Each transaction You make is authorized based on factors

such as (1) Your Account history; (2) credit record; (3) absence or presence of

suspected fraud; and (4) performance and delinquency patterns. If You attempt

to make a Purchase transaction that exceeds your Credit Limit, Your Account 

will be evaluated based upon the length of time Your Account has been open 

and Account usage, performance and delinquency patterns or presence of 

suspected fraud; and (4) performance and delinquency patterns. If You attempt 

to make a Purchase transaction that exceeds your Credit Limit, Your Account 

will be evaluated based upon the length of time Your Account has been open 

and Account usage, performance and delinquency patterns with SunTrust or 

with Your other creditors, and Your ability to pay. In certain circumstances, 

SunTrust may ask for additional financial records to authorize a transaction. 

If You are authorized to exceed Your Credit Limit, You will be required to pay, 

as part of your Minimum Payment, the amount by which Your New Balance 

exceeds Your Credit Limit. SunTrust encourages You to provide us with notice of 

forthcoming unusual activity, such as, high transaction amounts, high velocity, 

or changes in geographic patterns.

Default – Subject to applicable law and any right that You may have under that

law, SunTrust may require immediate payment of Your entire Account Balance

and You will be in Default if (1) You do not make at least the Minimum Payment

on or before the payment Due Date, (2) a Cardholder or Authorized User exceeds

or tries to exceed the Credit Limit without SunTrust’s permission, (3) A payment

You make is rejected or cannot be processed, (4) SunTrust reasonably believes

that a Cardholder’s ability to pay SunTrust is materially impaired (for example, if

You become subject to bankruptcy or insolvency proceedings or if an attachment

or garnishment proceedings are instituted against You or Your property), (5)

You provide SunTrust with false, misleading or fraudulent information or a false

signature, (6) a Cardholder dies or is legally declared incompetent or incapacitated,

(7) You fail to comply with any provision of this Agreement, (8) You or an Authorized

User makes illegal use of any financial service under the Account or (9) You or an

Authorized User continues to use an Account or Card that has been closed.

Delinquency Triggering Event – A Delinquency Triggering Event occurs if You fail to 

make a Minimum Payment within 60 days of its payment Due Date.

DPR (Daily Periodic Rate) – the daily periodic rate is calculated from the 

applicable APR. The DPR is equal to the applicable APR divided by 365 (or 366 in a 

leap year). SunTrust may use DPR to calculate the Interest Charge as described in 

this Agreement. Interest Charges resulting from the application of DPRs will accrue 

daily and be calculated on the Average Daily Balances (including new transactions) 

for each Account feature (Purchases, Cash Advances, Balance Transfers, Overdraft 

Advances, and Promotional Balances).

Due Date – This is the date by which SunTrust must receive Your payment in 

order for it to be on time. Your Due Date will be stated on Your Statement. It will 

occur on the same calendar day of each month. It will be at least 21 days after 

the date SunTrust mails Your Statement and at least 25 days after the end of 

Your most recently concluded Billing Period (Closing Date). To be timely, SunTrust 

must receive Your payment on or before the Due Date and by the time stated on 

Your Statement. If no time is stated on Your Statement, Your payment is timely 

if SunTrust receives it by 5:00 p.m. Eastern Time on the Due Date; provided, 

however, that if You make a payment directly to SunTrust personnel at a SunTrust 

branch, Your payment will be credited to Your Account same day as the day of the 

payment. Payments initiated through SunTrust’s automated telephone service, 

with a customer service representative, or via SunTrust’s web site will be subject 

to the 5:00 p.m. payment cut-off time.

Crediting of Payments to Account: Payments that SunTrust receives prior to 5:00 

p.m. Eastern Time at the mailing address shown on the front of Your Statement 

and in the Standard Payment Instructions will be credited to Your Account as of 

the date of receipt. Payments that SunTrust receives after 5:00 p.m. Eastern 

Time will be credited as of the next day, unless You make the payment directly 

to SunTrust personnel at a SunTrust branch after 5:00 p.m., as stated above. If 

SunTrust accepts a payment received at any other location than the address stated 

in Your Statement and in the Standard Payment Instructions, with no payment 

coupon enclosed, or that does not conform to the Standard Payment Instructions, 

that payment may be subject to a delay in crediting of up to 5 days after the date 

of receipt. This delay may result in additional Interest Charges, Other Charges, 

and possible suspension of Your Account. Payments initiated through SunTrust’s 

automated telephone service (if available) or via SunTrust’s web site will be 

subject to the 5:00 p.m. payment cut-off time.

Grace Period – The time period during which You may avoid paying interest on 

certain transactions. As stated in the Card Mailer, the Grace Period is at least 

25 days after the close of each Billing Period. This Agreement defines the kinds 

of transactions that are subject to a Grace Period (See Interest Charges and 

Transaction Fees Section). If a particular transaction is subject to a Grace Period, 

Your Account starts in a Grace Period for that transaction. The Grace Period will 

continue if You pay Your New Balance on time each Billing Period. You will lose the 

Grace Period if You do not pay Your New Balance in a given Billing Period. To regain 

Your Grace Period after You lose it, You must pay Your New Balance on time for 1 

Billing Period. If You lose Your Grace Period for transactions to which the Grace 

Period previously applied, You will owe interest on any unpaid Balance. Interest on 

those transactions will begin to accrue from the end of the Billing Period for which 

You failed to pay Your New Balance. For any such transactions that You make after 

You lose Your Grace Period, You will pay interest from the Transaction Date until 

the time that You regain the Grace Period for transactions of this type.

Index Rate – The rate used for making variable rate adjustments to Your APR. 

The Index Rate is the Prime Rate as quoted in the “Money Rates” section of The 

Wall Street Journal (Eastern Edition) on the 28th day (or if the 28th day is not a 

business day, the next business day thereafter) of the prior calendar month. If 

The Wall Street Journal (Eastern Edition) is not published or the Prime Rate is not 

given on any of these dates, then the Index Rate will be determined by using the 

immediately preceding published Prime Rate for such date. If the Prime Rate is 

no longer available, SunTrust will choose a new index and notify You as required 

by applicable law. Index Rate changes will be effective on Your Billing Period 

that commences on or after the first day of the next succeeding month after the 

Index Rate is published. (For example, if a new Index Rate is published on June 

28th, the new APR would be effective as of the first day of the Billing Period that 

commences July 1 or after). An Index Rate increase will increase the applicable 

APR, which may increase Your Minimum Payment.

Interest Charge – The cost of Your Credit on the Account as a dollar amount that 

SunTrust derives by applying Your DPR to the Average Daily Balance.

Items – Statements, sales drafts and/or payment instruments.

Joint Ownership Considerations – If a deposit Account (i.e. Protected Account) 

is jointly owned, any owner of BOTH the deposit Account AND the Credit Card 

Account (i.e. the Protector Account) may enroll in overdraft protection without

the consent of the other owners of that deposit Account. However, any owner 

of either the deposit Account OR Credit Card Account may cancel overdraft 

protection without the consent of other owners. If a jointly owned deposit 

Account is enrolled in overdraft protection: (i) all deposit Account holders will be 

responsible for all overdraft protection advances regardless of which person writes 

a check or initiates a transaction that causes an overdraft (e.g. as a debit Card 

Purchase); and (ii) all deposit Account holders authorize us to share information 

about the Protected Account with each owner of Protector Account, such as type 

of Account and partial Account number. We reserve the right to cancel, suspend, 

or change the terms or conditions of Your overdraft protection service at any 

Late Payment – A payment that You make that SunTrust does not receive before 

Notice Address for Arbitration – means, except as otherwise specified in the

Arbitration Provision, the address that must be used for giving notices under the

Provision. The initial Notice Address for You is the latest address SunTrust has in

SunTrust’s files. The initial Notice Address for SunTrust is: SunTrust Bank Legal

Department, Attention: General Counsel – Arbitration Election, 303 Peachtree

Street N.E., Suite 3600, Mail Code 0643, Atlanta, Georgia 30308, although

SunTrust may give You notice at any time that SunTrust has changed SunTrust’s

Notice Address.

Other Charges – Charges to Your Account as described in the Other Charges Section 

of this Agreement, including fees for: Late Payments*, Annual Fee, Returned 

Payments*, Stop Payments*, Documentation*, and Phone Payments*. *SunTrust will 

consider reversal of these Other Charges fees on open Accounts in good standing if 

circumstances warrant such consideration, such as claims of Bank errors and other 

mitigating factors.

Overdraft Advance – Credit SunTrust extends to You in the form of a loan from the 

Account to cover an overdraft on a deposit account that You designate at SunTrust. 

You must enroll in the SunTrust overdraft protection program to receive this form 

of Credit.

Promotional Balance – Credit SunTrust extends for an introductory and other 

designated Purchase or Balance Transfer transaction, subject to discounted 

fees and/or a different DPR than your standard DPR for Purchases. Your use of a 

Promotional Offer from SunTrust results in a Promotional Balance.

Promotional Rate – The DPR applied to Promotional Balances.

Protected Account – An eligible SunTrust Consumer Checking Account, Savings 

Account, or Money Market Savings Account linked to this SunTrust Consumer Credit 

Card for overdraft protection.

Protector Account – Your SunTrust Consumer Credit Card Account.

Purchase – Credit SunTrust extends to You when You or an Authorized User (1) 

use(s) the Card or Account to purchase goods, labor, insurance or services through 

sellers and lessors that honor Your Card or Account for the purpose of completing 

a Purchase or (2) use(s) a Convenience Check or other Credit instrument that 

SunTrust provides for You to make a Purchase.

Returned Payment – A payment that You make that Your financial institution 

does not honor. If You have a Returned Payment, SunTrust will assess a fee in 

accordance with the terms of this Agreement. If SunTrust resubmits a Returned 

Payment and Your financial institution subsequently honors it, SunTrust will 

still assess a Returned Payment fee because Your financial institution originally 

returned the payment as unpaid. If Your financial institution returns a payment 

more than once, SunTrust will not charge more than one Returned Payment fee. If 

You make a new payment to SunTrust, however, and Your financial institution does 

not honor it, SunTrust will assess an additional Returned Payment fee.

Standard Payment Instructions – These instructions require You to pay your credit 

Card bill as follows. Pay (1) in U.S. dollars, (2) not in cash, unless You pay at one 

of SunTrust’s branches, (3) from a U.S. deposit account or cashier’s check drawn 

on a U.S. financial institution, (4) without restrictive language (e.g., “payment in 

full”) included or attached to the payment, and (5) not from a credit account that 

SunTrust provides You, such as a Convenience Check drawn on this Account. If You 

make payment in a paper form (like a check, money order, or cashier’s check), You 

must include the payment coupon from Your Statement or write Your Card Account 

number on the payment. If SunTrust decides in the Bank’s discretion to accept 

a form of payment that does not meet these Standard Payment Instructions, 

SunTrust does not waive the Bank’s right to continue to require payments that 

comply with these instructions. If SunTrust decides to accept a payment that You 

make in a foreign currency, SunTrust will choose the conversion rate to apply. 

The date You mail the payment is different from the date the Bank receives the 

payment. The payment date is the date that the Bank receives Your payment in 

accordance with these Standard Payment Instructions. If You fail to comply with 

these Standard Payment Instructions, credit to Your Account for the payment may 

be delayed. This delay may result in additional Interest Charges, Other Charges, 

and possible suspension of Your Account. Contact SunTrust at 866.732.1683 to 

inquire about phone pay. Mailed payments should be sent to:

SunTrust Bank

Cardholder Services

P.O. Box 791278

Baltimore, MD 21279-1278

NOTE: Any disagreement that You may have with respect to charges on Your 

Statement must be presented to SunTrust in writing separately from your payment 

and to a different address than where Your payments are sent. (See the “Your 

Billing Rights” Section of this Agreement.)

Statement – SunTrust will send You a bill at the end of each Billing Period if Your 

Account has a debit Balance of any amount or a credit Balance of more than 

$1, unless SunTrust has decided Your Account is uncollectible or has closed or 

suspended Your Account for collection proceedings against You. The Statement will 

tell You the total Balance that You owe the Bank as of the end of the last Billing 

Period. It will also tell You the Minimum Payment that You must pay the Bank by 

SunTrust – means (1) SunTrust Bank, the bank that is providing You Credit, and will 

include (2) any person(s) to whom the Credit is transferred or assigned; (3) any 

Covered Provider; (4) the parents, controlling persons, subsidiaries and affiliates 

of the companies in (1)-(3) above; (5) the successors and predecessors of the 

companies in (1)-(4) above; and (6) the officers, directors and employees of the 

companies in (1)-(5) above. SunTrust may also be referred to as “the Bank.” Solely 

for purposes of the Arbitration Provision contained in this Agreement, the term 

“SunTrust” shall also apply to any third parties if You assert a Claim against such 

third parties in connection with a Claim You assert against SunTrust.

time, for any reason.

the Due Date.

Statement.

as of such 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 

the stated Due Date.

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 

Termination Date – This is the last day a Promotional Rate will apply to a 
Promotional Balance. It will be the earlier of (1) the last day specified in the 
Promotional Balance offer or (2) the date identified in any notice to You when a 
Delinquency Triggering Event occurs. 
Transaction Date – The Transaction Date of a Purchase is the sale date. The 
Transaction Date of a Balance Transfer, Cash Advance, or Overdraft Advance is 
the date that You request such a transaction.
You, Your and Yours – means the Cardholder(s).

1The Personal Deposit Account Fee Schedule is accessible at https://www.

suntrust.com/Static/Documents/Personal_Banking/Deposit_Account_Disclosures/

FSRETAILE.pdf.

SunTrust Bank, Member FDIC. ©2017 SunTrust Banks, Inc. SunTrust is a federally 

registered service mark of SunTrust Banks, Inc.

The information about the costs of the SunTrust  Travel  Rewards  Card  described in  this  application  is  accurate  as  of  January 2, 2018. 
This information may have changed after that date. To find out what may have changed, write Cardmember Services, P.O. Box 621569, 
Orlando, FL 32862-1569.

Interest Rates and Interest Charges

Annual Percentage Rate (APR) 
for Purchases

APR for Balance Transfers

Prime Rate + 6.99% to Prime Rate + 17.99%
Your rate will be based on your creditworthiness.
This APR will vary with the market based on the Prime Rate.

Prime Rate + 6.99% to Prime Rate + 17.99%
Your rate will be based on your creditworthiness.
This APR will vary with the market based on the Prime Rate.

APR for Cash Advances and 
Overdraft Advances

Prime Rate + 21.74%
This APR will vary with the market based on the Prime Rate.

How to Avoid Paying Interest 
on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any 
interest on purchases if you pay your entire balance by the due date each month.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $0.50

Fees

Annual Fee

Transaction Fees
• Balance Transfer
• Cash Advance
• Foreign Transaction

Penalty Fees
• Late Payment
• Return Payment

$0 Intro Annual Fee for the first year, $89 thereafter.

• $10.00 or 3% of the amount of the transfer, whichever is greater
• $10.00 or 4% of the amount of each advance, whichever is greater
• None

• Up to $38
• Up to $38

How We Will Calculate Your Balance: We use a method called “average daily balance (including new transactions)”.

Prime Rate: We use the prime rate quoted in the “Money Rates” section of The Wall Street Journal on the 28th day (or if the 28th day 
is not a business day, the next business day thereafter) of the prior calendar month.

1The Personal Deposit Account Fee Schedule is accessible at https://www.suntrust.com/Static/Documents/Personal_Banking/
Deposit_Account_Disclosures/ FSRETAILE.pdf.

SunTrust Bank, Member FDIC. ©2018 SunTrust Banks, Inc. SunTrust is a federally registered service mark of SunTrust Banks, Inc.

15