P-1908
Rev. 03/20

CREDIT CARD ACCOUNT AGREEMENT

Cash Rewards Credit Card

Table of Contents 
SUMMARY OF KEY TERMS 
AGREEMENT TERMS
Costs
Overdraft Protection 
Payments

Amendment (Changes) and Assignment 
Additional Information
Arbitration Provision 
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. The most current version 
of this Card Account Agreement shall be published online. 
The online version of the agreement supersedes any prior 
written version.

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) $25.00,
(2) 2% of the New Balance, or (3) 1% of the New Balance
plus current Interest Charges and Other Charges. If the
New Balance is less than $25.00, the Minimum Payment
will be the New Balance. If You pay more than the
Minimum Payment, You still must make the Minimum
Payment on subsequent Statements until You have fully
paid what You owe. You must pay in U.S. dollars, without
restrictive terms, and in accordance with the Standard
Payment Instructions.

• If You do not pay at least the Minimum Payment by the

Due Date, SunTrust will charge a Late Payment fee, unless
Your Account is exempt from Late Payment fees. If You
make a Late Payment, You will be in Default and You may
be subject to rate increases. If You are in Default for any
reason, SunTrust can require that the entire outstanding
full Balance on Your Account be immediately paid.

How will 
SunTrust apply 
Your payments?

• You agree that the Minimum Payments on Your Account

will be applied in the order SunTrust selects.

• SunTrust may allocate Your Minimum Payments to

Balances starting with the lowest APR (Annual Percentage
Rate). Payments in excess of the Minimum Payment will
generally be applied first to Balances 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?

What other 
important terms 
exist in the CA?

Interest Charges
and Transaction
Fees in General:

Interest Rates
and Interest
Charges based
upon Credit
Inquiries:

Cost on
Purchases:
SunTrust 
will charge 
the Interest 
Charge (unless 
inapplicable 
because of the 
Grace Period) on 
Your Purchases 
from the 
transaction date.

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.

Your liability for unauthorized use of the Card – what to 
do/what happens if Your Card is stolen.

Credit Limits, Authorization, and Convenience Checks –
spending limits/transaction authorization.
Individual Liability – each Cardholder is individually and 
jointly liable for all Authorized Charges.
Termination – You or SunTrust can terminate or suspend 
Your Credit at any time with/without cause.
Sharing of Information – how SunTrust safeguards your 
information/how-when SunTrust may disclose Your information
to others; refers to SunTrust’s Privacy Statement.
Arbitration – the way in which You and SunTrust agree to 
resolve claims; You have the right to opt out of arbitration 
as the agreed upon claims resolution method.
Billing Dispute Rights – details Your rights if You dispute 
charges/are not satisfied with good/services You procure 
from merchants using Your Card/Account.
Defined Terms – defines all essential terms used in the CA.

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.

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) $25.00, (2) 2% of the New Balance, or (3) 1% of the 

New Balance plus current Interest Charges and Other Charges. The Minimum 

Payment amount will either be rounded up or down to the nearest dollar. If the 

New Balance is less than $25.00, the Minimum Payment will be the New Balance. 

If You pay more than the Minimum Payment, You still must make the Minimum 

Payment on subsequent Statements until You have fully paid what You owe.

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)

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 the manner and method (written communication or update

to online Agreement) and time required by law for the changes being made to

Your Account and/or this Agreement. The online version of the Agreement

is available at https://www.suntrust.com/PersonalBanking/EverydayBanking/

CreditCards. Changes to this Agreement will be automatically effective on the

date SunTrust specifies or provides an updated Agreement, except as otherwise

provided in any change in terms notice SunTrust provides. You are bound by

changes to this Agreement as of the date updates are published.  However, use

of Your Account is not necessary for a change in terms to be effective. You will

have the right to reject a change in terms 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 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.

Assignment Rights

SunTrust has the right to Assign its rights under this Agreement, the Account, 

and any amount You owe to SunTrust. SunTrust may Assign its rights without my 

consent and without prior notice to me. The rights and benefits of SunTrust under 

the Agreement and Account shall automatically transfer to SunTrust’s successors 

and assigns, including any entity that acquires SunTrust and/or is created through 

a merger with SunTrust. You do not have the right to assign or transfer Your rights 

under this Agreement or the Account.

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.

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 1-800-848-8372. Statement of MAPR. 

Federal law provides important protections to members of the Armed Forces and 

their dependents relating to extensions of consumer credit. In general, the cost 

of consumer credit to a member of the Armed Forces and his or her dependent 

may not exceed an Annual Percentage Rate of 36%. This rate must include, as 

applicable to the credit transaction or account: (1) the costs associated with credit 

insurance premiums; (2) fees for ancillary products sold in connection with the 

credit transaction; (3) any application fee charged (other than certain application 

fees for specified credit transactions or accounts); and (4) any participation 

fee charged (other than certain participation fees for a credit card account). 

Oral Disclosures. In order to hear important Military Lending Act disclosures and 

payment information provided in this Agreement, please call 1-800-848-8372. 

Applicability of Jury Trial Waiver, Class Action Waiver, and Arbitration Provision. 

The Jury Trial Waiver, Class Action Waiver, and Arbitration Provision set forth in this 

Note do not apply to Covered Borrowers under the Military Lending Act.

Jury Trial Waiver

UNLESS YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT AND TO 

THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED 

TO ARBITRATION, YOU AND SUNTRUST HEREBY KNOWINGLY, VOLUNTARILY, 

INTENTIONALLY AND IRREVOCABLY WAIVE THE RIGHT TO A TRIAL BY JURY IN 

RESPECT TO ANY LITIGATION ARISING OUT OF THIS AGREEMENT, RELATING TO THE 

ACCOUNT, ANY CREDIT TRANSACTION, OR ANY OTHER DISPUTE OR CONTROVERSY

BETWEEN YOU AND SUNTRUST OR ANY OF SUNTRUST’S EMPLOYEES, OFFICERS, 

DIRECTORS, PARENTS, CONTROLLING PERSONS, SUBSIDIARIES, AFFILIATES, 

SUCCESSORS AND ASSIGNS

Litigation Class Action Waiver

TO THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED 

TO ARBITRATION, YOU AND SUNTRUST HEREBY AGREE THAT ANY LITIGATION 

ARISING OUT OF THIS AGREEMENT, RELATING TO THE ACCOUNT, ANY CREDIT

TRANSACTION, OR ANY OTHER DISPUTE OR CONTROVERSY BETWEEN YOU AND 

SUNTRUST OR ANY OF SUNTRUST’S EMPLOYEES, OFFICERS, DIRECTORS, PARENTS, 

CONTROLLING PERSONS, SUBSIDIARIES, AFFILIATES, SUCCESSORS AND ASSIGNS 

WILL PROCEED ON AN INDIVIDUAL BASIS AND WILL NOT PROCEED AS PART OF A

CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION OR 

OTHER REPRESENTATIVE ACTION AND YOU AND SUNTRUST HEREBY KNOWINGLY, 

VOLUNTARILY, INTENTIONALLY AND IRREVOCABLY WAIVE ANY RIGHT TO PROCEED 

IN A CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION OR 

OTHER REPRESENTATIVE ACTION OR TO SERVE AS A CLASS REPRESENTATIVE.

Other Products and Services

SunTrust will, at Your request, arrange for an overnight courier to deliver 

additional or replacement Cards on an expedited basis. The charge assessed by the 

overnight courier will be added to Your Account Balance. From time to time, new

products, optional services or enhancements (for example, insurance or Card

registration) may be offered on Your Account. SunTrust is not liable for these 

features, services and enhancements, when they are the responsibility of a 

third party provider. You agree to hold SunTrust harmless from any claims, 

actions or damages resulting from Your use of any of these features, services or 

enhancements, when permitted by applicable law. SunTrust reserves the right to 

adjust, add, or delete benefits and services at any time.

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.

All provisions of this Agreement are valid, enforceable and applicable in New Jersey.

New Jersey Residents

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.

CREDIT CARD ACCOUNT AGREEMENT

Table of Contents 

SUMMARY OF KEY TERMS 

AGREEMENT TERMS

Costs

Overdraft Protection 

Payments

P-1908
Rev. 03/20

What other 
important terms 
exist in the CA?

What other 
important terms 
exist in the CA?

Amendment (Changes) and Assignment 
Additional Information
Arbitration Provision 
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. The most current version 
of this Card Account Agreement shall be published online. 
The online version of the agreement supersedes any prior 

written version.

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?

How will 

SunTrust apply 

Your payments?

• You may use Your Card/Account to make legal Purchases, 

Cash Advances, Overdraft Advances and Balance 
Transfers. You are responsible for transactions that You, 
other Cardholders, and Authorized Users make, whether 
the transactions are legal or not.

• Each type of transaction has different associated costs 

and terms; each transaction type and associated costs are 
grouped together and detailed in Your monthly Statement 
(Card Account bill) by transaction type. The combined 
outstanding amount of each transaction type is Your New 
Balance due on Your Account each month (Billing Period). 
You must pay all Interest Charges, fees, and Other 
Charges properly charged to Your Account.

• SunTrust will send You a monthly Statement (bill). You 
agree to pay all Authorized Charges on the Statement. 
You have the option of paying in full the New Balance 
shown on each Statement or paying in installments that 
at least equal the amount of the Minimum Payment 
shown on Your Statement. In either case, the payment 
Due Date will be at least 25 days after the Closing Date 

of Your Statement.

• The Minimum Payment will include any amount past due 
or over Your Credit Limit plus the greater of (1) $25.00, 
(2) 2% of the New Balance, or (3) 1% of the New Balance 
plus current Interest Charges and Other Charges. If the 
New Balance is less than $25.00, the Minimum Payment 
will be the New Balance. If You pay more than the 
Minimum Payment, You still must make the Minimum 
Payment on subsequent Statements until You have fully 
paid what You owe. You must pay in U.S. dollars, without 
restrictive terms, and in accordance with the Standard 

Payment Instructions.

• If You do not pay at least the Minimum Payment by the 

Due Date, SunTrust will charge a Late Payment fee, unless 
Your Account is exempt from Late Payment fees. If You 
make a Late Payment, You will be in Default and You may 
be subject to rate increases. If You are in Default for any 
reason, SunTrust can require that the entire outstanding 
full Balance on Your Account be immediately paid.

• 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.

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.

Your liability for unauthorized use of the Card – what to 
do/what happens if Your Card is stolen.

Credit Limits, Authorization, and Convenience Checks – 
spending limits/transaction authorization.
Individual Liability – each Cardholder is individually and 
jointly liable for all Authorized Charges.
Termination – You or SunTrust can terminate or suspend 
Your Credit at any time with/without cause.
Sharing of Information – how SunTrust safeguards your 
information/how-when SunTrust may disclose Your information 
to others; refers to SunTrust’s Privacy Statement.
Arbitration – the way in which You and SunTrust agree to 
resolve claims; You have the right to opt out of arbitration 
as the agreed upon claims resolution method.
Billing Dispute Rights – details Your rights if You dispute 
charges/are not satisfied with good/services You procure 
from merchants using Your Card/Account.
Defined Terms – defines all essential terms used in the CA.

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 
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) $25.00, (2) 2% of the New Balance, or (3) 1% of the 

New Balance plus current Interest Charges and Other Charges. The Minimum 

Payment amount will either be rounded up or down to the nearest dollar. If the 

New Balance is less than $25.00, the Minimum Payment will be the New Balance. 

If You pay more than the Minimum Payment, You still must make the Minimum 

Payment on subsequent Statements until You have fully paid what You owe.

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)

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 the manner and method (written communication or update 

to online Agreement) and time required by law for the changes being made to 

Your Account and/or this Agreement. The online version of the Agreement 

is available at https://www.suntrust.com/PersonalBanking/EverydayBanking/

CreditCards. Changes to this Agreement will be automatically effective on the 

date SunTrust specifies or provides an updated Agreement, except as otherwise 

provided in any change in terms notice SunTrust provides. You are bound by 

changes to this Agreement as of the date updates are published.  However, use 

of Your Account is not necessary for a change in terms to be effective. You will 

have the right to reject a change in terms 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 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.

Assignment Rights

SunTrust has the right to Assign its rights under this Agreement, the Account, 

and any amount You owe to SunTrust. SunTrust may Assign its rights without my 

consent and without prior notice to me. The rights and benefits of SunTrust under 

the Agreement and Account shall automatically transfer to SunTrust’s successors 

and assigns, including any entity that acquires SunTrust and/or is created through 

a merger with SunTrust. You do not have the right to assign or transfer Your rights 

under this Agreement or the Account.

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.

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 1-800-848-8372. Statement of MAPR. 

Federal law provides important protections to members of the Armed Forces and 

their dependents relating to extensions of consumer credit. In general, the cost 

of consumer credit to a member of the Armed Forces and his or her dependent 

may not exceed an Annual Percentage Rate of 36%. This rate must include, as 

applicable to the credit transaction or account: (1) the costs associated with credit 

insurance premiums; (2) fees for ancillary products sold in connection with the 

credit transaction; (3) any application fee charged (other than certain application 

fees for specified credit transactions or accounts); and (4) any participation 

fee charged (other than certain participation fees for a credit card account). 

Oral Disclosures. In order to hear important Military Lending Act disclosures and 

payment information provided in this Agreement, please call 1-800-848-8372. 

Applicability of Jury Trial Waiver, Class Action Waiver, and Arbitration Provision. 

The Jury Trial Waiver, Class Action Waiver, and Arbitration Provision set forth in this 

Note do not apply to Covered Borrowers under the Military Lending Act.

Jury Trial Waiver

UNLESS YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT AND TO 

THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED 

TO ARBITRATION, YOU AND SUNTRUST HEREBY KNOWINGLY, VOLUNTARILY, 

INTENTIONALLY AND IRREVOCABLY WAIVE THE RIGHT TO A TRIAL BY JURY IN 

RESPECT TO ANY LITIGATION ARISING OUT OF THIS AGREEMENT, RELATING TO THE 

ACCOUNT, ANY CREDIT TRANSACTION, OR ANY OTHER DISPUTE OR CONTROVERSY 

BETWEEN YOU AND SUNTRUST OR ANY OF SUNTRUST’S EMPLOYEES, OFFICERS, 

DIRECTORS, PARENTS, CONTROLLING PERSONS, SUBSIDIARIES, AFFILIATES, 

SUCCESSORS AND ASSIGNS

Litigation Class Action Waiver

TO THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED 

TO ARBITRATION, YOU AND SUNTRUST HEREBY AGREE THAT ANY LITIGATION 

ARISING OUT OF THIS AGREEMENT, RELATING TO THE ACCOUNT, ANY CREDIT 

TRANSACTION, OR ANY OTHER DISPUTE OR CONTROVERSY BETWEEN YOU AND 

SUNTRUST OR ANY OF SUNTRUST’S EMPLOYEES, OFFICERS, DIRECTORS, PARENTS, 

CONTROLLING PERSONS, SUBSIDIARIES, AFFILIATES, SUCCESSORS AND ASSIGNS 

WILL PROCEED ON AN INDIVIDUAL BASIS AND WILL NOT PROCEED AS PART OF A 

CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION OR 

OTHER REPRESENTATIVE ACTION AND YOU AND SUNTRUST HEREBY KNOWINGLY, 

VOLUNTARILY, INTENTIONALLY AND IRREVOCABLY WAIVE ANY RIGHT TO PROCEED 

IN A CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION OR 

OTHER REPRESENTATIVE ACTION OR TO SERVE AS A CLASS REPRESENTATIVE.

Other Products and Services

SunTrust will, at Your request, arrange for an overnight courier to deliver 

additional or replacement Cards on an expedited basis. The charge assessed by the 

overnight courier will be added to Your Account Balance. From time to time, new

products, optional services or enhancements (for example, insurance or Card 

registration) may be offered on Your Account. SunTrust is not liable for these 

features, services and enhancements, when they are the responsibility of a 

third party provider. You agree to hold SunTrust harmless from any claims, 

actions or damages resulting from Your use of any of these features, services or 

enhancements, when permitted by applicable law. SunTrust reserves the right to 

adjust, add, or delete benefits and services at any time.

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.

All provisions of this Agreement are valid, enforceable and applicable in New Jersey.

New Jersey Residents

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.

P-1908

Rev. 03/20

What other 

important terms 

exist in the CA?

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.

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.

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 

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.

Account.

CREDIT CARD ACCOUNT AGREEMENT

Table of Contents 

SUMMARY OF KEY TERMS 

Amendment (Changes) and Assignment 

AGREEMENT TERMS

Costs

Overdraft Protection 

Payments

Additional Information

Arbitration Provision 

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. The most current version 

of this Card Account Agreement shall be published online. 

The online version of the agreement supersedes any prior 

written version.

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?

How will 

SunTrust apply 

Your payments?

• You may use Your Card/Account to make legal Purchases, 

Cash Advances, Overdraft Advances and Balance 

Transfers. You are responsible for transactions that You, 

other Cardholders, and Authorized Users make, whether 

the transactions are legal or not.

• Each type of transaction has different associated costs 

and terms; each transaction type and associated costs are 

grouped together and detailed in Your monthly Statement 

(Card Account bill) by transaction type. The combined 

outstanding amount of each transaction type is Your New 

Balance due on Your Account each month (Billing Period). 

You must pay all Interest Charges, fees, and Other 

Charges properly charged to Your Account.

• SunTrust will send You a monthly Statement (bill). You 

agree to pay all Authorized Charges on the Statement. 

You have the option of paying in full the New Balance 

shown on each Statement or paying in installments that 

at least equal the amount of the Minimum Payment 

shown on Your Statement. In either case, the payment 

Due Date will be at least 25 days after the Closing Date 

of Your Statement.

• The Minimum Payment will include any amount past due 

or over Your Credit Limit plus the greater of (1) $25.00, 

(2) 2% of the New Balance, or (3) 1% of the New Balance 

plus current Interest Charges and Other Charges. If the 

New Balance is less than $25.00, the Minimum Payment 

will be the New Balance. If You pay more than the 

Minimum Payment, You still must make the Minimum 

Payment on subsequent Statements until You have fully 

paid what You owe. You must pay in U.S. dollars, without 

restrictive terms, and in accordance with the Standard 

Payment Instructions.

• If You do not pay at least the Minimum Payment by the 

Due Date, SunTrust will charge a Late Payment fee, unless 

Your Account is exempt from Late Payment fees. If You 

make a Late Payment, You will be in Default and You may 

be subject to rate increases. If You are in Default for any 

reason, SunTrust can require that the entire outstanding 

full Balance on Your Account be immediately paid.

• 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.

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

No notice requirement or per terms of the 
workout arrangement

Increase or 
decrease to 
Credit Limit

Any reason

None

Some fees and 
other terms

Can change for 
any reason

Up to 45 days for certain fees and 

Minimum Payment changes

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) $25.00, (2) 2% of the New Balance, or (3) 1% of the 

New Balance plus current Interest Charges and Other Charges. The Minimum 

Payment amount will either be rounded up or down to the nearest dollar. If the 

New Balance is less than $25.00, the Minimum Payment will be the New Balance. 

If You pay more than the Minimum Payment, You still must make the Minimum 

Payment on subsequent Statements until You have fully paid what You owe.

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)

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 the manner and method (written communication or update 

to online Agreement) and time required by law for the changes being made to 

Your Account and/or this Agreement. The online version of the Agreement 

is available at https://www.suntrust.com/PersonalBanking/EverydayBanking/

CreditCards. Changes to this Agreement will be automatically effective on the 

date SunTrust specifies or provides an updated Agreement, except as otherwise 

provided in any change in terms notice SunTrust provides. You are bound by 

changes to this Agreement as of the date updates are published.  However, use 

of Your Account is not necessary for a change in terms to be effective. You will 

have the right to reject a change in terms 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 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.

Assignment Rights

SunTrust has the right to Assign its rights under this Agreement, the Account, 

and any amount You owe to SunTrust. SunTrust may Assign its rights without my 

consent and without prior notice to me. The rights and benefits of SunTrust under 

the Agreement and Account shall automatically transfer to SunTrust’s successors 

and assigns, including any entity that acquires SunTrust and/or is created through 

a merger with SunTrust. You do not have the right to assign or transfer Your rights 

under this Agreement or the Account.

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.

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 1-800-848-8372. Statement of MAPR. 

Federal law provides important protections to members of the Armed Forces and 

their dependents relating to extensions of consumer credit. In general, the cost 

of consumer credit to a member of the Armed Forces and his or her dependent 

may not exceed an Annual Percentage Rate of 36%. This rate must include, as 

applicable to the credit transaction or account: (1) the costs associated with credit 

insurance premiums; (2) fees for ancillary products sold in connection with the 

credit transaction; (3) any application fee charged (other than certain application 

fees for specified credit transactions or accounts); and (4) any participation 

fee charged (other than certain participation fees for a credit card account). 

Oral Disclosures. In order to hear important Military Lending Act disclosures and 

payment information provided in this Agreement, please call 1-800-848-8372. 

Applicability of Jury Trial Waiver, Class Action Waiver, and Arbitration Provision. 

The Jury Trial Waiver, Class Action Waiver, and Arbitration Provision set forth in this 

Note do not apply to Covered Borrowers under the Military Lending Act.

Jury Trial Waiver

UNLESS YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT AND TO 

THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED 

TO ARBITRATION, YOU AND SUNTRUST HEREBY KNOWINGLY, VOLUNTARILY, 

INTENTIONALLY AND IRREVOCABLY WAIVE THE RIGHT TO A TRIAL BY JURY IN 

RESPECT TO ANY LITIGATION ARISING OUT OF THIS AGREEMENT, RELATING TO THE 

ACCOUNT, ANY CREDIT TRANSACTION, OR ANY OTHER DISPUTE OR CONTROVERSY 

BETWEEN YOU AND SUNTRUST OR ANY OF SUNTRUST’S EMPLOYEES, OFFICERS, 

DIRECTORS, PARENTS, CONTROLLING PERSONS, SUBSIDIARIES, AFFILIATES, 

SUCCESSORS AND ASSIGNS

Litigation Class Action Waiver

TO THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED 

TO ARBITRATION, YOU AND SUNTRUST HEREBY AGREE THAT ANY LITIGATION 

ARISING OUT OF THIS AGREEMENT, RELATING TO THE ACCOUNT, ANY CREDIT 

TRANSACTION, OR ANY OTHER DISPUTE OR CONTROVERSY BETWEEN YOU AND 

SUNTRUST OR ANY OF SUNTRUST’S EMPLOYEES, OFFICERS, DIRECTORS, PARENTS, 

CONTROLLING PERSONS, SUBSIDIARIES, AFFILIATES, SUCCESSORS AND ASSIGNS 

WILL PROCEED ON AN INDIVIDUAL BASIS AND WILL NOT PROCEED AS PART OF A 

CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION OR 

OTHER REPRESENTATIVE ACTION AND YOU AND SUNTRUST HEREBY KNOWINGLY, 

VOLUNTARILY, INTENTIONALLY AND IRREVOCABLY WAIVE ANY RIGHT TO PROCEED 

IN A CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION OR 

OTHER REPRESENTATIVE ACTION OR TO SERVE AS A CLASS REPRESENTATIVE.

Other Products and Services

SunTrust will, at Your request, arrange for an overnight courier to deliver 

additional or replacement Cards on an expedited basis. The charge assessed by the 

overnight courier will be added to Your Account Balance. From time to time, new

products, optional services or enhancements (for example, insurance or Card 

registration) may be offered on Your Account. SunTrust is not liable for these 

features, services and enhancements, when they are the responsibility of a 

third party provider. You agree to hold SunTrust harmless from any claims, 

actions or damages resulting from Your use of any of these features, services or 

enhancements, when permitted by applicable law. SunTrust reserves the right to 

adjust, add, or delete benefits and services at any time.

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.

All provisions of this Agreement are valid, enforceable and applicable in New Jersey.

New Jersey Residents

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.

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.

Other Charges:

exist in the CA?

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 

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.

CREDIT CARD ACCOUNT AGREEMENT

Table of Contents 

SUMMARY OF KEY TERMS 

Amendment (Changes) and Assignment 

AGREEMENT TERMS

Costs

Overdraft Protection 

Payments

Additional Information

Arbitration Provision 

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. The most current version 

of this Card Account Agreement shall be published online. 

The online version of the agreement supersedes any prior 

written version.

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?

How will 

SunTrust apply 

Your payments?

• You may use Your Card/Account to make legal Purchases, 

Cash Advances, Overdraft Advances and Balance 

Transfers. You are responsible for transactions that You, 

other Cardholders, and Authorized Users make, whether 

the transactions are legal or not.

• Each type of transaction has different associated costs 

and terms; each transaction type and associated costs are 

grouped together and detailed in Your monthly Statement 

(Card Account bill) by transaction type. The combined 

outstanding amount of each transaction type is Your New 

Balance due on Your Account each month (Billing Period). 

You must pay all Interest Charges, fees, and Other 

Charges properly charged to Your Account.

• SunTrust will send You a monthly Statement (bill). You 

agree to pay all Authorized Charges on the Statement. 

You have the option of paying in full the New Balance 

shown on each Statement or paying in installments that 

at least equal the amount of the Minimum Payment 

shown on Your Statement. In either case, the payment 

Due Date will be at least 25 days after the Closing Date 

of Your Statement.

• The Minimum Payment will include any amount past due 

or over Your Credit Limit plus the greater of (1) $25.00, 

(2) 2% of the New Balance, or (3) 1% of the New Balance 

plus current Interest Charges and Other Charges. If the 

New Balance is less than $25.00, the Minimum Payment 

will be the New Balance. If You pay more than the 

Minimum Payment, You still must make the Minimum 

Payment on subsequent Statements until You have fully 

paid what You owe. You must pay in U.S. dollars, without 

restrictive terms, and in accordance with the Standard 

Payment Instructions.

• If You do not pay at least the Minimum Payment by the 

Due Date, SunTrust will charge a Late Payment fee, unless 

Your Account is exempt from Late Payment fees. If You 

make a Late Payment, You will be in Default and You may 

be subject to rate increases. If You are in Default for any 

reason, SunTrust can require that the entire outstanding 

full Balance on Your Account be immediately paid.

• 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.

P-1908

Rev. 03/20

What other 

Your liability for unauthorized use of the Card – what to 

important terms 

do/what happens if Your Card is stolen.

• 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 

Increase or 
decrease to 
Credit Limit

Any reason

None

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 

Exchange on

Non-US 

Transactions:

• 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 

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

possible changes.

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 
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 
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) $25.00, (2) 2% of the New Balance, or (3) 1% of the 

New Balance plus current Interest Charges and Other Charges. The Minimum 

Payment amount will either be rounded up or down to the nearest dollar. If the 

New Balance is less than $25.00, the Minimum Payment will be the New Balance. 

If You pay more than the Minimum Payment, You still must make the Minimum 

Payment on subsequent Statements until You have fully paid what You owe.

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)

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 the manner and method (written communication or update 

to online Agreement) and time required by law for the changes being made to 

Your Account and/or this Agreement. The online version of the Agreement 

is available at https://www.suntrust.com/PersonalBanking/EverydayBanking/

CreditCards. Changes to this Agreement will be automatically effective on the 

date SunTrust specifies or provides an updated Agreement, except as otherwise 

provided in any change in terms notice SunTrust provides. You are bound by 

changes to this Agreement as of the date updates are published.  However, use 

of Your Account is not necessary for a change in terms to be effective. You will 

have the right to reject a change in terms 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 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.

Assignment Rights

SunTrust has the right to Assign its rights under this Agreement, the Account, 

and any amount You owe to SunTrust. SunTrust may Assign its rights without my 

consent and without prior notice to me. The rights and benefits of SunTrust under 

the Agreement and Account shall automatically transfer to SunTrust’s successors 

and assigns, including any entity that acquires SunTrust and/or is created through 

a merger with SunTrust. You do not have the right to assign or transfer Your rights 

under this Agreement or the Account.

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.

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 1-800-848-8372. Statement of MAPR. 

Federal law provides important protections to members of the Armed Forces and 

their dependents relating to extensions of consumer credit. In general, the cost 

of consumer credit to a member of the Armed Forces and his or her dependent 

may not exceed an Annual Percentage Rate of 36%. This rate must include, as 

applicable to the credit transaction or account: (1) the costs associated with credit 

insurance premiums; (2) fees for ancillary products sold in connection with the 

credit transaction; (3) any application fee charged (other than certain application 

fees for specified credit transactions or accounts); and (4) any participation 

fee charged (other than certain participation fees for a credit card account). 

Oral Disclosures. In order to hear important Military Lending Act disclosures and 

payment information provided in this Agreement, please call 1-800-848-8372. 

Applicability of Jury Trial Waiver, Class Action Waiver, and Arbitration Provision. 

The Jury Trial Waiver, Class Action Waiver, and Arbitration Provision set forth in this 

Note do not apply to Covered Borrowers under the Military Lending Act.

Jury Trial Waiver

UNLESS YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT AND TO 

THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED 

TO ARBITRATION, YOU AND SUNTRUST HEREBY KNOWINGLY, VOLUNTARILY, 

INTENTIONALLY AND IRREVOCABLY WAIVE THE RIGHT TO A TRIAL BY JURY IN 

RESPECT TO ANY LITIGATION ARISING OUT OF THIS AGREEMENT, RELATING TO THE 

ACCOUNT, ANY CREDIT TRANSACTION, OR ANY OTHER DISPUTE OR CONTROVERSY 

BETWEEN YOU AND SUNTRUST OR ANY OF SUNTRUST’S EMPLOYEES, OFFICERS, 

DIRECTORS, PARENTS, CONTROLLING PERSONS, SUBSIDIARIES, AFFILIATES, 

SUCCESSORS AND ASSIGNS

Litigation Class Action Waiver

TO THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED 

TO ARBITRATION, YOU AND SUNTRUST HEREBY AGREE THAT ANY LITIGATION 

ARISING OUT OF THIS AGREEMENT, RELATING TO THE ACCOUNT, ANY CREDIT 

TRANSACTION, OR ANY OTHER DISPUTE OR CONTROVERSY BETWEEN YOU AND 

SUNTRUST OR ANY OF SUNTRUST’S EMPLOYEES, OFFICERS, DIRECTORS, PARENTS, 

CONTROLLING PERSONS, SUBSIDIARIES, AFFILIATES, SUCCESSORS AND ASSIGNS 

WILL PROCEED ON AN INDIVIDUAL BASIS AND WILL NOT PROCEED AS PART OF A 

CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION OR 

OTHER REPRESENTATIVE ACTION AND YOU AND SUNTRUST HEREBY KNOWINGLY, 

VOLUNTARILY, INTENTIONALLY AND IRREVOCABLY WAIVE ANY RIGHT TO PROCEED 

IN A CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION OR 

OTHER REPRESENTATIVE ACTION OR TO SERVE AS A CLASS REPRESENTATIVE.

Other Products and Services

SunTrust will, at Your request, arrange for an overnight courier to deliver 

additional or replacement Cards on an expedited basis. The charge assessed by the 

overnight courier will be added to Your Account Balance. From time to time, new

products, optional services or enhancements (for example, insurance or Card 

registration) may be offered on Your Account. SunTrust is not liable for these 

features, services and enhancements, when they are the responsibility of a 

third party provider. You agree to hold SunTrust harmless from any claims, 

actions or damages resulting from Your use of any of these features, services or 

enhancements, when permitted by applicable law. SunTrust reserves the right to 

adjust, add, or delete benefits and services at any time.

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.

All provisions of this Agreement are valid, enforceable and applicable in New Jersey.

New Jersey Residents

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.

P-1908

Rev. 03/20

important terms 

do/what happens if Your Card is stolen.

What other 

Your liability for unauthorized use of the Card – what to 

Costs on Balance 

• The costs for Balance Transfers consist of (1) interest 

Any reason

None

Increase or 

decrease to 

Credit Limit

CREDIT CARD ACCOUNT AGREEMENT

Table of Contents 

SUMMARY OF KEY TERMS 

Amendment (Changes) and Assignment 

AGREEMENT TERMS

Costs

Overdraft Protection 

Payments

Additional Information

Arbitration Provision 

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. The most current version 

of this Card Account Agreement shall be published online. 

The online version of the agreement supersedes any prior 

written version.

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?

How will 

SunTrust apply 

Your payments?

• You may use Your Card/Account to make legal Purchases, 

Cash Advances, Overdraft Advances and Balance 

Transfers. You are responsible for transactions that You, 

other Cardholders, and Authorized Users make, whether 

the transactions are legal or not.

• Each type of transaction has different associated costs 

and terms; each transaction type and associated costs are 

grouped together and detailed in Your monthly Statement 

(Card Account bill) by transaction type. The combined 

outstanding amount of each transaction type is Your New 

Balance due on Your Account each month (Billing Period). 

You must pay all Interest Charges, fees, and Other 

Charges properly charged to Your Account.

• SunTrust will send You a monthly Statement (bill). You 

agree to pay all Authorized Charges on the Statement. 

You have the option of paying in full the New Balance 

shown on each Statement or paying in installments that 

at least equal the amount of the Minimum Payment 

shown on Your Statement. In either case, the payment 

Due Date will be at least 25 days after the Closing Date 

of Your Statement.

• The Minimum Payment will include any amount past due 

or over Your Credit Limit plus the greater of (1) $25.00, 

(2) 2% of the New Balance, or (3) 1% of the New Balance 

plus current Interest Charges and Other Charges. If the 

New Balance is less than $25.00, the Minimum Payment 

will be the New Balance. If You pay more than the 

Minimum Payment, You still must make the Minimum 

Payment on subsequent Statements until You have fully 

paid what You owe. You must pay in U.S. dollars, without 

restrictive terms, and in accordance with the Standard 

Payment Instructions.

• If You do not pay at least the Minimum Payment by the 

Due Date, SunTrust will charge a Late Payment fee, unless 

Your Account is exempt from Late Payment fees. If You 

make a Late Payment, You will be in Default and You may 

be subject to rate increases. If You are in Default for any 

reason, SunTrust can require that the entire outstanding 

full Balance on Your Account be immediately paid.

• 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.

exist in the CA?

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 

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

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.

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 

for Overdraft 

Cost: Interest Charge (Average Daily Balance 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) $25.00, (2) 2% of the New Balance, or (3) 1% of the 
New Balance plus current Interest Charges and Other Charges. The Minimum 
Payment amount will either be rounded up or down to the nearest dollar. If the 
New Balance is less than $25.00, the Minimum Payment will be the New Balance. 
If You pay more than the Minimum Payment, You still must make the Minimum 
Payment on subsequent Statements until You have fully paid what You owe.
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)

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 the manner and method (written communication or update 

to online Agreement) and time required by law for the changes being made to 

Your Account and/or this Agreement. The online version of the Agreement 

is available at https://www.suntrust.com/PersonalBanking/EverydayBanking/

CreditCards. Changes to this Agreement will be automatically effective on the 

date SunTrust specifies or provides an updated Agreement, except as otherwise 

provided in any change in terms notice SunTrust provides. You are bound by 

changes to this Agreement as of the date updates are published.  However, use 

of Your Account is not necessary for a change in terms to be effective. You will 

have the right to reject a change in terms 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 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.

Assignment Rights

SunTrust has the right to Assign its rights under this Agreement, the Account, 

and any amount You owe to SunTrust. SunTrust may Assign its rights without my 

consent and without prior notice to me. The rights and benefits of SunTrust under 

the Agreement and Account shall automatically transfer to SunTrust’s successors 

and assigns, including any entity that acquires SunTrust and/or is created through 

a merger with SunTrust. You do not have the right to assign or transfer Your rights 

under this Agreement or the Account.

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.

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 1-800-848-8372. Statement of MAPR. 

Federal law provides important protections to members of the Armed Forces and 

their dependents relating to extensions of consumer credit. In general, the cost 

of consumer credit to a member of the Armed Forces and his or her dependent 

may not exceed an Annual Percentage Rate of 36%. This rate must include, as 

applicable to the credit transaction or account: (1) the costs associated with credit 

insurance premiums; (2) fees for ancillary products sold in connection with the 

credit transaction; (3) any application fee charged (other than certain application 

fees for specified credit transactions or accounts); and (4) any participation 

fee charged (other than certain participation fees for a credit card account). 

Oral Disclosures. In order to hear important Military Lending Act disclosures and 

payment information provided in this Agreement, please call 1-800-848-8372. 

Applicability of Jury Trial Waiver, Class Action Waiver, and Arbitration Provision. 

The Jury Trial Waiver, Class Action Waiver, and Arbitration Provision set forth in this 

Note do not apply to Covered Borrowers under the Military Lending Act.

Jury Trial Waiver

UNLESS YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT AND TO 

THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED 

TO ARBITRATION, YOU AND SUNTRUST HEREBY KNOWINGLY, VOLUNTARILY, 

INTENTIONALLY AND IRREVOCABLY WAIVE THE RIGHT TO A TRIAL BY JURY IN 

RESPECT TO ANY LITIGATION ARISING OUT OF THIS AGREEMENT, RELATING TO THE 

ACCOUNT, ANY CREDIT TRANSACTION, OR ANY OTHER DISPUTE OR CONTROVERSY 

BETWEEN YOU AND SUNTRUST OR ANY OF SUNTRUST’S EMPLOYEES, OFFICERS, 

DIRECTORS, PARENTS, CONTROLLING PERSONS, SUBSIDIARIES, AFFILIATES, 

SUCCESSORS AND ASSIGNS

Litigation Class Action Waiver

TO THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED 

TO ARBITRATION, YOU AND SUNTRUST HEREBY AGREE THAT ANY LITIGATION 

ARISING OUT OF THIS AGREEMENT, RELATING TO THE ACCOUNT, ANY CREDIT 

TRANSACTION, OR ANY OTHER DISPUTE OR CONTROVERSY BETWEEN YOU AND 

SUNTRUST OR ANY OF SUNTRUST’S EMPLOYEES, OFFICERS, DIRECTORS, PARENTS, 

CONTROLLING PERSONS, SUBSIDIARIES, AFFILIATES, SUCCESSORS AND ASSIGNS 

WILL PROCEED ON AN INDIVIDUAL BASIS AND WILL NOT PROCEED AS PART OF A 

CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION OR 

OTHER REPRESENTATIVE ACTION AND YOU AND SUNTRUST HEREBY KNOWINGLY, 

VOLUNTARILY, INTENTIONALLY AND IRREVOCABLY WAIVE ANY RIGHT TO PROCEED 

IN A CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION OR 

OTHER REPRESENTATIVE ACTION OR TO SERVE AS A CLASS REPRESENTATIVE.

Other Products and Services

SunTrust will, at Your request, arrange for an overnight courier to deliver 

additional or replacement Cards on an expedited basis. The charge assessed by the 

overnight courier will be added to Your Account Balance. From time to time, new

products, optional services or enhancements (for example, insurance or Card 

registration) may be offered on Your Account. SunTrust is not liable for these 

features, services and enhancements, when they are the responsibility of a 

third party provider. You agree to hold SunTrust harmless from any claims, 

actions or damages resulting from Your use of any of these features, services or 

enhancements, when permitted by applicable law. SunTrust reserves the right to 

adjust, add, or delete benefits and services at any time.

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.

All provisions of this Agreement are valid, enforceable and applicable in New Jersey.

New Jersey Residents

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.

P-1908

Rev. 03/20

important terms 

do/what happens if Your Card is stolen.

What other 

Your liability for unauthorized use of the Card – what to 

Costs on Balance 

• The costs for Balance Transfers consist of (1) interest 

Any reason

None

Increase or 

decrease to 

Credit Limit

CREDIT CARD ACCOUNT AGREEMENT

Table of Contents 

SUMMARY OF KEY TERMS 

Amendment (Changes) and Assignment 

AGREEMENT TERMS

Costs

Overdraft Protection 

Payments

Additional Information

Arbitration Provision 

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. The most current version 

of this Card Account Agreement shall be published online. 

The online version of the agreement supersedes any prior 

written version.

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?

How will 

SunTrust apply 

Your payments?

• You may use Your Card/Account to make legal Purchases, 

Cash Advances, Overdraft Advances and Balance 

Transfers. You are responsible for transactions that You, 

other Cardholders, and Authorized Users make, whether 

the transactions are legal or not.

• Each type of transaction has different associated costs 

and terms; each transaction type and associated costs are 

grouped together and detailed in Your monthly Statement 

(Card Account bill) by transaction type. The combined 

outstanding amount of each transaction type is Your New 

Balance due on Your Account each month (Billing Period). 

You must pay all Interest Charges, fees, and Other 

Charges properly charged to Your Account.

• SunTrust will send You a monthly Statement (bill). You 

agree to pay all Authorized Charges on the Statement. 

You have the option of paying in full the New Balance 

shown on each Statement or paying in installments that 

at least equal the amount of the Minimum Payment 

shown on Your Statement. In either case, the payment 

Due Date will be at least 25 days after the Closing Date 

of Your Statement.

• The Minimum Payment will include any amount past due 

or over Your Credit Limit plus the greater of (1) $25.00, 

(2) 2% of the New Balance, or (3) 1% of the New Balance 

plus current Interest Charges and Other Charges. If the 

New Balance is less than $25.00, the Minimum Payment 

will be the New Balance. If You pay more than the 

Minimum Payment, You still must make the Minimum 

Payment on subsequent Statements until You have fully 

paid what You owe. You must pay in U.S. dollars, without 

restrictive terms, and in accordance with the Standard 

Payment Instructions.

• If You do not pay at least the Minimum Payment by the 

Due Date, SunTrust will charge a Late Payment fee, unless 

Your Account is exempt from Late Payment fees. If You 

make a Late Payment, You will be in Default and You may 

be subject to rate increases. If You are in Default for any 

reason, SunTrust can require that the entire outstanding 

full Balance on Your Account be immediately paid.

• 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.

exist in the CA?

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 

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

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) $25.00, (2) 2% of the New Balance, or (3) 1% of the 
New Balance plus current Interest Charges and Other Charges. The Minimum 
Payment amount will either be rounded up or down to the nearest dollar. If the 
New Balance is less than $25.00, the Minimum Payment will be the New Balance. 
If You pay more than the Minimum Payment, You still must make the Minimum 
Payment on subsequent Statements until You have fully paid what You owe.
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)

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 the manner and method (written communication or update 
to online Agreement) and time required by law for the changes being made to 
Your Account and/or this Agreement. The online version of the Agreement 
is available at https://www.suntrust.com/PersonalBanking/EverydayBanking/
CreditCards. Changes to this Agreement will be automatically effective on the 
date SunTrust specifies or provides an updated Agreement, except as otherwise 
provided in any change in terms notice SunTrust provides. You are bound by 
changes to this Agreement as of the date updates are published.  However, use 
of Your Account is not necessary for a change in terms to be effective. You will 
have the right to reject a change in terms 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 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.

Assignment Rights

SunTrust has the right to Assign its rights under this Agreement, the Account, 
and any amount You owe to SunTrust. SunTrust may Assign its rights without my 
consent and without prior notice to me. The rights and benefits of SunTrust under 
the Agreement and Account shall automatically transfer to SunTrust’s successors 
and assigns, including any entity that acquires SunTrust and/or is created through 
a merger with SunTrust. You do not have the right to assign or transfer Your rights 
under this Agreement or the Account.

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.

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 1-800-848-8372. Statement of MAPR. 

Federal law provides important protections to members of the Armed Forces and 

their dependents relating to extensions of consumer credit. In general, the cost 

of consumer credit to a member of the Armed Forces and his or her dependent 

may not exceed an Annual Percentage Rate of 36%. This rate must include, as 

applicable to the credit transaction or account: (1) the costs associated with credit 

insurance premiums; (2) fees for ancillary products sold in connection with the 

credit transaction; (3) any application fee charged (other than certain application 

fees for specified credit transactions or accounts); and (4) any participation 

fee charged (other than certain participation fees for a credit card account). 

Oral Disclosures. In order to hear important Military Lending Act disclosures and 

payment information provided in this Agreement, please call 1-800-848-8372. 

Applicability of Jury Trial Waiver, Class Action Waiver, and Arbitration Provision. 

The Jury Trial Waiver, Class Action Waiver, and Arbitration Provision set forth in this 

Note do not apply to Covered Borrowers under the Military Lending Act.

Jury Trial Waiver

UNLESS YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT AND TO 

THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED 

TO ARBITRATION, YOU AND SUNTRUST HEREBY KNOWINGLY, VOLUNTARILY, 

INTENTIONALLY AND IRREVOCABLY WAIVE THE RIGHT TO A TRIAL BY JURY IN 

RESPECT TO ANY LITIGATION ARISING OUT OF THIS AGREEMENT, RELATING TO THE 

ACCOUNT, ANY CREDIT TRANSACTION, OR ANY OTHER DISPUTE OR CONTROVERSY 

BETWEEN YOU AND SUNTRUST OR ANY OF SUNTRUST’S EMPLOYEES, OFFICERS, 

DIRECTORS, PARENTS, CONTROLLING PERSONS, SUBSIDIARIES, AFFILIATES, 

SUCCESSORS AND ASSIGNS

Litigation Class Action Waiver

TO THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED 

TO ARBITRATION, YOU AND SUNTRUST HEREBY AGREE THAT ANY LITIGATION 

ARISING OUT OF THIS AGREEMENT, RELATING TO THE ACCOUNT, ANY CREDIT 

TRANSACTION, OR ANY OTHER DISPUTE OR CONTROVERSY BETWEEN YOU AND 

SUNTRUST OR ANY OF SUNTRUST’S EMPLOYEES, OFFICERS, DIRECTORS, PARENTS, 

CONTROLLING PERSONS, SUBSIDIARIES, AFFILIATES, SUCCESSORS AND ASSIGNS 

WILL PROCEED ON AN INDIVIDUAL BASIS AND WILL NOT PROCEED AS PART OF A 

CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION OR 

OTHER REPRESENTATIVE ACTION AND YOU AND SUNTRUST HEREBY KNOWINGLY, 

VOLUNTARILY, INTENTIONALLY AND IRREVOCABLY WAIVE ANY RIGHT TO PROCEED 

IN A CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION OR 

OTHER REPRESENTATIVE ACTION OR TO SERVE AS A CLASS REPRESENTATIVE.

Other Products and Services

SunTrust will, at Your request, arrange for an overnight courier to deliver 

additional or replacement Cards on an expedited basis. The charge assessed by the 

overnight courier will be added to Your Account Balance. From time to time, new

products, optional services or enhancements (for example, insurance or Card 

registration) may be offered on Your Account. SunTrust is not liable for these 

features, services and enhancements, when they are the responsibility of a 

third party provider. You agree to hold SunTrust harmless from any claims, 

actions or damages resulting from Your use of any of these features, services or 

enhancements, when permitted by applicable law. SunTrust reserves the right to 

adjust, add, or delete benefits and services at any time.

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.

All provisions of this Agreement are valid, enforceable and applicable in New Jersey.

New Jersey Residents

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.

P-1908

Rev. 03/20

important terms 

do/what happens if Your Card is stolen.

What other 

Your liability for unauthorized use of the Card – what to 

Costs on Balance 

• The costs for Balance Transfers consist of (1) interest 

Any reason

None

Increase or 

decrease to 

Credit Limit

CREDIT CARD ACCOUNT AGREEMENT

Table of Contents 

SUMMARY OF KEY TERMS 

Amendment (Changes) and Assignment 

AGREEMENT TERMS

Costs

Overdraft Protection 

Payments

Additional Information

Arbitration Provision 

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. The most current version 

of this Card Account Agreement shall be published online. 

The online version of the agreement supersedes any prior 

written version.

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?

How will 

SunTrust apply 

Your payments?

• You may use Your Card/Account to make legal Purchases, 

Cash Advances, Overdraft Advances and Balance 

Transfers. You are responsible for transactions that You, 

other Cardholders, and Authorized Users make, whether 

the transactions are legal or not.

• Each type of transaction has different associated costs 

and terms; each transaction type and associated costs are 

grouped together and detailed in Your monthly Statement 

(Card Account bill) by transaction type. The combined 

outstanding amount of each transaction type is Your New 

Balance due on Your Account each month (Billing Period). 

You must pay all Interest Charges, fees, and Other 

Charges properly charged to Your Account.

• SunTrust will send You a monthly Statement (bill). You 

agree to pay all Authorized Charges on the Statement. 

You have the option of paying in full the New Balance 

shown on each Statement or paying in installments that 

at least equal the amount of the Minimum Payment 

shown on Your Statement. In either case, the payment 

Due Date will be at least 25 days after the Closing Date 

of Your Statement.

• The Minimum Payment will include any amount past due 

or over Your Credit Limit plus the greater of (1) $25.00, 

(2) 2% of the New Balance, or (3) 1% of the New Balance 

plus current Interest Charges and Other Charges. If the 

New Balance is less than $25.00, the Minimum Payment 

will be the New Balance. If You pay more than the 

Minimum Payment, You still must make the Minimum 

Payment on subsequent Statements until You have fully 

paid what You owe. You must pay in U.S. dollars, without 

restrictive terms, and in accordance with the Standard 

Payment Instructions.

• If You do not pay at least the Minimum Payment by the 

Due Date, SunTrust will charge a Late Payment fee, unless 

Your Account is exempt from Late Payment fees. If You 

make a Late Payment, You will be in Default and You may 

be subject to rate increases. If You are in Default for any 

reason, SunTrust can require that the entire outstanding 

full Balance on Your Account be immediately paid.

• 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.

exist in the CA?

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 

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

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) $25.00, (2) 2% of the New Balance, or (3) 1% of the 
New Balance plus current Interest Charges and Other Charges. The Minimum 
Payment amount will either be rounded up or down to the nearest dollar. If the 
New Balance is less than $25.00, the Minimum Payment will be the New Balance. 
If You pay more than the Minimum Payment, You still must make the Minimum 
Payment on subsequent Statements until You have fully paid what You owe.
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)

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 the manner and method (written communication or update 
to online Agreement) and time required by law for the changes being made to 
Your Account and/or this Agreement. The online version of the Agreement 
is available at https://www.suntrust.com/PersonalBanking/EverydayBanking/
CreditCards. Changes to this Agreement will be automatically effective on the 
date SunTrust specifies or provides an updated Agreement, except as otherwise 
provided in any change in terms notice SunTrust provides. You are bound by 
changes to this Agreement as of the date updates are published.  However, use 
of Your Account is not necessary for a change in terms to be effective. You will 
have the right to reject a change in terms 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 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.

Assignment Rights

SunTrust has the right to Assign its rights under this Agreement, the Account, 
and any amount You owe to SunTrust. SunTrust may Assign its rights without my 
consent and without prior notice to me. The rights and benefits of SunTrust under 
the Agreement and Account shall automatically transfer to SunTrust’s successors 
and assigns, including any entity that acquires SunTrust and/or is created through 
a merger with SunTrust. You do not have the right to assign or transfer Your rights 
under this Agreement or the Account.

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.

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 1-800-848-8372. Statement of MAPR. 
Federal law provides important protections to members of the Armed Forces and 
their dependents relating to extensions of consumer credit. In general, the cost 
of consumer credit to a member of the Armed Forces and his or her dependent 
may not exceed an Annual Percentage Rate of 36%. This rate must include, as 
applicable to the credit transaction or account: (1) the costs associated with credit 
insurance premiums; (2) fees for ancillary products sold in connection with the 
credit transaction; (3) any application fee charged (other than certain application 
fees for specified credit transactions or accounts); and (4) any participation 
fee charged (other than certain participation fees for a credit card account). 
Oral Disclosures. In order to hear important Military Lending Act disclosures and 
payment information provided in this Agreement, please call 1-800-848-8372. 
Applicability of Jury Trial Waiver, Class Action Waiver, and Arbitration Provision. 
The Jury Trial Waiver, Class Action Waiver, and Arbitration Provision set forth in this 
Note do not apply to Covered Borrowers under the Military Lending Act.

Jury Trial Waiver

UNLESS YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT AND TO 
THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED 
TO ARBITRATION, YOU AND SUNTRUST HEREBY KNOWINGLY, VOLUNTARILY, 
INTENTIONALLY AND IRREVOCABLY WAIVE THE RIGHT TO A TRIAL BY JURY IN 
RESPECT TO ANY LITIGATION ARISING OUT OF THIS AGREEMENT, RELATING TO THE 
ACCOUNT, ANY CREDIT TRANSACTION, OR ANY OTHER DISPUTE OR CONTROVERSY 
BETWEEN YOU AND SUNTRUST OR ANY OF SUNTRUST’S EMPLOYEES, OFFICERS, 
DIRECTORS, PARENTS, CONTROLLING PERSONS, SUBSIDIARIES, AFFILIATES, 
SUCCESSORS AND ASSIGNS

Litigation Class Action Waiver

TO THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED 

TO ARBITRATION, YOU AND SUNTRUST HEREBY AGREE THAT ANY LITIGATION 

ARISING OUT OF THIS AGREEMENT, RELATING TO THE ACCOUNT, ANY CREDIT 

TRANSACTION, OR ANY OTHER DISPUTE OR CONTROVERSY BETWEEN YOU AND 

SUNTRUST OR ANY OF SUNTRUST’S EMPLOYEES, OFFICERS, DIRECTORS, PARENTS, 

CONTROLLING PERSONS, SUBSIDIARIES, AFFILIATES, SUCCESSORS AND ASSIGNS 

WILL PROCEED ON AN INDIVIDUAL BASIS AND WILL NOT PROCEED AS PART OF A 

CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION OR 

OTHER REPRESENTATIVE ACTION AND YOU AND SUNTRUST HEREBY KNOWINGLY, 

VOLUNTARILY, INTENTIONALLY AND IRREVOCABLY WAIVE ANY RIGHT TO PROCEED 

IN A CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION OR 

OTHER REPRESENTATIVE ACTION OR TO SERVE AS A CLASS REPRESENTATIVE.

Other Products and Services

SunTrust will, at Your request, arrange for an overnight courier to deliver 

additional or replacement Cards on an expedited basis. The charge assessed by the 

overnight courier will be added to Your Account Balance. From time to time, new

products, optional services or enhancements (for example, insurance or Card 

registration) may be offered on Your Account. SunTrust is not liable for these 

features, services and enhancements, when they are the responsibility of a 

third party provider. You agree to hold SunTrust harmless from any claims, 

actions or damages resulting from Your use of any of these features, services or 

enhancements, when permitted by applicable law. SunTrust reserves the right to 

adjust, add, or delete benefits and services at any time.

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.

All provisions of this Agreement are valid, enforceable and applicable in New Jersey.

New Jersey Residents

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.

P-1908

Rev. 03/20

important terms 

do/what happens if Your Card is stolen.

What other 

Your liability for unauthorized use of the Card – what to 

Costs on Balance 

• The costs for Balance Transfers consist of (1) interest 

Any reason

None

Increase or 

decrease to 

Credit Limit

CREDIT CARD ACCOUNT AGREEMENT

Table of Contents 

SUMMARY OF KEY TERMS 

Amendment (Changes) and Assignment 

AGREEMENT TERMS

Costs

Overdraft Protection 

Payments

Additional Information

Arbitration Provision 

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. The most current version 

of this Card Account Agreement shall be published online. 

The online version of the agreement supersedes any prior 

written version.

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?

How will 

SunTrust apply 

Your payments?

• You may use Your Card/Account to make legal Purchases, 

Cash Advances, Overdraft Advances and Balance 

Transfers. You are responsible for transactions that You, 

other Cardholders, and Authorized Users make, whether 

the transactions are legal or not.

• Each type of transaction has different associated costs 

and terms; each transaction type and associated costs are 

grouped together and detailed in Your monthly Statement 

(Card Account bill) by transaction type. The combined 

outstanding amount of each transaction type is Your New 

Balance due on Your Account each month (Billing Period). 

You must pay all Interest Charges, fees, and Other 

Charges properly charged to Your Account.

• SunTrust will send You a monthly Statement (bill). You 

agree to pay all Authorized Charges on the Statement. 

You have the option of paying in full the New Balance 

shown on each Statement or paying in installments that 

at least equal the amount of the Minimum Payment 

shown on Your Statement. In either case, the payment 

Due Date will be at least 25 days after the Closing Date 

of Your Statement.

• The Minimum Payment will include any amount past due 

or over Your Credit Limit plus the greater of (1) $25.00, 

(2) 2% of the New Balance, or (3) 1% of the New Balance 

plus current Interest Charges and Other Charges. If the 

New Balance is less than $25.00, the Minimum Payment 

will be the New Balance. If You pay more than the 

Minimum Payment, You still must make the Minimum 

Payment on subsequent Statements until You have fully 

paid what You owe. You must pay in U.S. dollars, without 

restrictive terms, and in accordance with the Standard 

Payment Instructions.

• If You do not pay at least the Minimum Payment by the 

Due Date, SunTrust will charge a Late Payment fee, unless 

Your Account is exempt from Late Payment fees. If You 

make a Late Payment, You will be in Default and You may 

be subject to rate increases. If You are in Default for any 

reason, SunTrust can require that the entire outstanding 

full Balance on Your Account be immediately paid.

• 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.

exist in the CA?

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 

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

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) $25.00, (2) 2% of the New Balance, or (3) 1% of the 

New Balance plus current Interest Charges and Other Charges. The Minimum 

Payment amount will either be rounded up or down to the nearest dollar. If the 

New Balance is less than $25.00, the Minimum Payment will be the New Balance. 

If You pay more than the Minimum Payment, You still must make the Minimum 

Payment on subsequent Statements until You have fully paid what You owe.

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)

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 the manner and method (written communication or update 
to online Agreement) and time required by law for the changes being made to 
Your Account and/or this Agreement. The online version of the Agreement 
is available at https://www.suntrust.com/PersonalBanking/EverydayBanking/
CreditCards. Changes to this Agreement will be automatically effective on the 
date SunTrust specifies or provides an updated Agreement, except as otherwise 
provided in any change in terms notice SunTrust provides. You are bound by 
changes to this Agreement as of the date updates are published.  However, use 
of Your Account is not necessary for a change in terms to be effective. You will 
have the right to reject a change in terms 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 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.

Assignment Rights

SunTrust has the right to Assign its rights under this Agreement, the Account, 
and any amount You owe to SunTrust. SunTrust may Assign its rights without my 
consent and without prior notice to me. The rights and benefits of SunTrust under 
the Agreement and Account shall automatically transfer to SunTrust’s successors 
and assigns, including any entity that acquires SunTrust and/or is created through 
a merger with SunTrust. You do not have the right to assign or transfer Your rights 

under this Agreement or the Account.

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.

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 1-800-848-8372. Statement of MAPR. 
Federal law provides important protections to members of the Armed Forces and 
their dependents relating to extensions of consumer credit. In general, the cost 
of consumer credit to a member of the Armed Forces and his or her dependent 
may not exceed an Annual Percentage Rate of 36%. This rate must include, as 
applicable to the credit transaction or account: (1) the costs associated with credit 
insurance premiums; (2) fees for ancillary products sold in connection with the 
credit transaction; (3) any application fee charged (other than certain application 
fees for specified credit transactions or accounts); and (4) any participation 
fee charged (other than certain participation fees for a credit card account). 
Oral Disclosures. In order to hear important Military Lending Act disclosures and 
payment information provided in this Agreement, please call 1-800-848-8372. 
Applicability of Jury Trial Waiver, Class Action Waiver, and Arbitration Provision. 
The Jury Trial Waiver, Class Action Waiver, and Arbitration Provision set forth in this 
Note do not apply to Covered Borrowers under the Military Lending Act.

Jury Trial Waiver

UNLESS YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT AND TO 
THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED 
TO ARBITRATION, YOU AND SUNTRUST HEREBY KNOWINGLY, VOLUNTARILY, 
INTENTIONALLY AND IRREVOCABLY WAIVE THE RIGHT TO A TRIAL BY JURY IN 
RESPECT TO ANY LITIGATION ARISING OUT OF THIS AGREEMENT, RELATING TO THE 
ACCOUNT, ANY CREDIT TRANSACTION, OR ANY OTHER DISPUTE OR CONTROVERSY 
BETWEEN YOU AND SUNTRUST OR ANY OF SUNTRUST’S EMPLOYEES, OFFICERS, 
DIRECTORS, PARENTS, CONTROLLING PERSONS, SUBSIDIARIES, AFFILIATES, 
SUCCESSORS AND ASSIGNS

Litigation Class Action Waiver

TO THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED 
TO ARBITRATION, YOU AND SUNTRUST HEREBY AGREE THAT ANY LITIGATION 
ARISING OUT OF THIS AGREEMENT, RELATING TO THE ACCOUNT, ANY CREDIT 
TRANSACTION, OR ANY OTHER DISPUTE OR CONTROVERSY BETWEEN YOU AND 
SUNTRUST OR ANY OF SUNTRUST’S EMPLOYEES, OFFICERS, DIRECTORS, PARENTS, 
CONTROLLING PERSONS, SUBSIDIARIES, AFFILIATES, SUCCESSORS AND ASSIGNS 
WILL PROCEED ON AN INDIVIDUAL BASIS AND WILL NOT PROCEED AS PART OF A 
CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION OR 
OTHER REPRESENTATIVE ACTION AND YOU AND SUNTRUST HEREBY KNOWINGLY, 
VOLUNTARILY, INTENTIONALLY AND IRREVOCABLY WAIVE ANY RIGHT TO PROCEED 
IN A CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION OR 
OTHER REPRESENTATIVE ACTION OR TO SERVE AS A CLASS REPRESENTATIVE.

Other Products and Services

SunTrust will, at Your request, arrange for an overnight courier to deliver 
additional or replacement Cards on an expedited basis. The charge assessed by the 
overnight courier will be added to Your Account Balance. From time to time, new

products, optional services or enhancements (for example, insurance or Card 
registration) may be offered on Your Account. SunTrust is not liable for these 
features, services and enhancements, when they are the responsibility of a 
third party provider. You agree to hold SunTrust harmless from any claims, 
actions or damages resulting from Your use of any of these features, services or 
enhancements, when permitted by applicable law. SunTrust reserves the right to 
adjust, add, or delete benefits and services at any time.

Credit Inquiries

You authorize SunTrust to make or have made any credit, employment, and 
investigative inquiries that SunTrust deems appropriate related to the extension 
or collection of Credit under the Account. If You dispute credit information 
SunTrust is reporting about You, You may notify SunTrust at Cardholder Services, 
Attention: Dispute Department, P.O. Box 620548, Orlando, FL 32862-0548.

Consumer Reporting Agencies (Credit Bureaus)

It is standard banking industry practice and within federal and state law for SunTrust 
routinely to provide data about customer loan repayment and transactions to 
consumer reporting agencies and other creditors. SunTrust may report information 
about Your Account(s) to credit bureaus. Late Payments, missed payments, or 
other Defaults on Your Account(s) may be reflected in Your credit report.

Sharing of Information

SunTrust may, to the extent and in the manner permitted by applicable law, 
communicate information about SunTrust’s experiences and transactions with 
You to consumer reporting agencies, SunTrust’s affiliates, and others who may 
properly receive that information. You may refer to SunTrust’s Privacy Statement 
for more details about how SunTrust collects, uses, retains, discloses, and 
safeguards information about You and Your Account. SunTrust’s Privacy Statement 
is provided when consumer Cardholders establish a customer relationship with 
SunTrust, once each year while Cardholders maintain a customer relationship 
with SunTrust, and at other times required by law. You may request an additional 
copy of SunTrust’s Privacy Statement by calling SunTrust at 866.732.1683 
or sending a written request to SunTrust at Cardholder Services, Attention: 
Customer Service, P.O. Box 621629, Orlando, FL 32862-1629.

Waiver

SunTrust’s failure to exercise, or SunTrust’s delay in exercising, any of SunTrust’s 
rights under the Agreement for any reason will not mean that SunTrust will be 
unable to exercise those rights later.

Severability

The invalidity of any provision of the Agreement will not affect the validity of any 
other provision.

Entire Agreement

This Agreement, as modified from time to time in accordance with applicable law 
by any change in terms that SunTrust will deliver to You (in writing or via update 
to Agreement terms that are published at www.suntrust.com/personal-banking/
credit-cards), constitutes the entire Agreement between You and SunTrust, and 
supersedes any prior negotiation or understanding between You and SunTrust 
concerning the subject matter of this Agreement. Section headings are for 
convenience only and are to be disregarded when interpreting this Agreement.

New Jersey Residents

All provisions of this Agreement are valid, enforceable and applicable in New Jersey.

Illegal Transaction

Any financial service that SunTrust provides pursuant to this Agreement may be 
used for any transaction permitted by law in accordance with this Agreement. You 
agree that illegal use of any financial service will be deemed an action of Default 
and/or breach of contract and that SunTrust may terminate any such financial 
service and/or other related services at SunTrust’s discretion. You will remain 
responsible for paying for a transaction, even if it is not permissible. If any illegal 
use occurs, You also agree to waive any right to sue SunTrust for such illegal use 
or any activity directly or indirectly related to it and indemnify and hold SunTrust 
harmless from any suits or other legal action or liability, directly or indirectly, 
resulting from such illegal use.

P-1908

Rev. 03/20

important terms 

do/what happens if Your Card is stolen.

What other 

Your liability for unauthorized use of the Card – what to 

Costs on Balance 

• The costs for Balance Transfers consist of (1) interest 

Any reason

None

Increase or 

decrease to 

Credit Limit

CREDIT CARD ACCOUNT AGREEMENT

Table of Contents 

SUMMARY OF KEY TERMS 

Amendment (Changes) and Assignment 

AGREEMENT TERMS

Costs

Overdraft Protection 

Payments

Additional Information

Arbitration Provision 

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. The most current version 

of this Card Account Agreement shall be published online. 

The online version of the agreement supersedes any prior 

written version.

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?

How will 

SunTrust apply 

Your payments?

• You may use Your Card/Account to make legal Purchases, 

Cash Advances, Overdraft Advances and Balance 

Transfers. You are responsible for transactions that You, 

other Cardholders, and Authorized Users make, whether 

the transactions are legal or not.

• Each type of transaction has different associated costs 

and terms; each transaction type and associated costs are 

grouped together and detailed in Your monthly Statement 

(Card Account bill) by transaction type. The combined 

outstanding amount of each transaction type is Your New 

Balance due on Your Account each month (Billing Period). 

You must pay all Interest Charges, fees, and Other 

Charges properly charged to Your Account.

• SunTrust will send You a monthly Statement (bill). You 

agree to pay all Authorized Charges on the Statement. 

You have the option of paying in full the New Balance 

shown on each Statement or paying in installments that 

at least equal the amount of the Minimum Payment 

shown on Your Statement. In either case, the payment 

Due Date will be at least 25 days after the Closing Date 

of Your Statement.

• The Minimum Payment will include any amount past due 

or over Your Credit Limit plus the greater of (1) $25.00, 

(2) 2% of the New Balance, or (3) 1% of the New Balance 

plus current Interest Charges and Other Charges. If the 

New Balance is less than $25.00, the Minimum Payment 

will be the New Balance. If You pay more than the 

Minimum Payment, You still must make the Minimum 

Payment on subsequent Statements until You have fully 

paid what You owe. You must pay in U.S. dollars, without 

restrictive terms, and in accordance with the Standard 

Payment Instructions.

• If You do not pay at least the Minimum Payment by the 

Due Date, SunTrust will charge a Late Payment fee, unless 

Your Account is exempt from Late Payment fees. If You 

make a Late Payment, You will be in Default and You may 

be subject to rate increases. If You are in Default for any 

reason, SunTrust can require that the entire outstanding 

full Balance on Your Account be immediately paid.

• 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.

exist in the CA?

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 

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

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) $25.00, (2) 2% of the New Balance, or (3) 1% of the 

New Balance plus current Interest Charges and Other Charges. The Minimum 

Payment amount will either be rounded up or down to the nearest dollar. If the 

New Balance is less than $25.00, the Minimum Payment will be the New Balance. 

If You pay more than the Minimum Payment, You still must make the Minimum 

Payment on subsequent Statements until You have fully paid what You owe.

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)

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 the manner and method (written communication or update 

to online Agreement) and time required by law for the changes being made to 

Your Account and/or this Agreement. The online version of the Agreement 

is available at https://www.suntrust.com/PersonalBanking/EverydayBanking/

CreditCards. Changes to this Agreement will be automatically effective on the 

date SunTrust specifies or provides an updated Agreement, except as otherwise 

provided in any change in terms notice SunTrust provides. You are bound by 

changes to this Agreement as of the date updates are published.  However, use 

of Your Account is not necessary for a change in terms to be effective. You will 

have the right to reject a change in terms 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 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.

Assignment Rights

SunTrust has the right to Assign its rights under this Agreement, the Account, 

and any amount You owe to SunTrust. SunTrust may Assign its rights without my 

consent and without prior notice to me. The rights and benefits of SunTrust under 

the Agreement and Account shall automatically transfer to SunTrust’s successors 

and assigns, including any entity that acquires SunTrust and/or is created through 

a merger with SunTrust. You do not have the right to assign or transfer Your rights 

under this Agreement or the Account.

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.

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 1-800-848-8372. Statement of MAPR. 
Federal law provides important protections to members of the Armed Forces and 
their dependents relating to extensions of consumer credit. In general, the cost 
of consumer credit to a member of the Armed Forces and his or her dependent 
may not exceed an Annual Percentage Rate of 36%. This rate must include, as 
applicable to the credit transaction or account: (1) the costs associated with credit 
insurance premiums; (2) fees for ancillary products sold in connection with the 
credit transaction; (3) any application fee charged (other than certain application 
fees for specified credit transactions or accounts); and (4) any participation 
fee charged (other than certain participation fees for a credit card account). 
Oral Disclosures. In order to hear important Military Lending Act disclosures and 
payment information provided in this Agreement, please call 1-800-848-8372. 
Applicability of Jury Trial Waiver, Class Action Waiver, and Arbitration Provision. 
The Jury Trial Waiver, Class Action Waiver, and Arbitration Provision set forth in this 
Note do not apply to Covered Borrowers under the Military Lending Act.

Jury Trial Waiver

UNLESS YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT AND TO 
THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED 
TO ARBITRATION, YOU AND SUNTRUST HEREBY KNOWINGLY, VOLUNTARILY, 
INTENTIONALLY AND IRREVOCABLY WAIVE THE RIGHT TO A TRIAL BY JURY IN 
RESPECT TO ANY LITIGATION ARISING OUT OF THIS AGREEMENT, RELATING TO THE 
ACCOUNT, ANY CREDIT TRANSACTION, OR ANY OTHER DISPUTE OR CONTROVERSY 
BETWEEN YOU AND SUNTRUST OR ANY OF SUNTRUST’S EMPLOYEES, OFFICERS, 
DIRECTORS, PARENTS, CONTROLLING PERSONS, SUBSIDIARIES, AFFILIATES, 

SUCCESSORS AND ASSIGNS

Litigation Class Action Waiver

TO THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED 
TO ARBITRATION, YOU AND SUNTRUST HEREBY AGREE THAT ANY LITIGATION 
ARISING OUT OF THIS AGREEMENT, RELATING TO THE ACCOUNT, ANY CREDIT 
TRANSACTION, OR ANY OTHER DISPUTE OR CONTROVERSY BETWEEN YOU AND 
SUNTRUST OR ANY OF SUNTRUST’S EMPLOYEES, OFFICERS, DIRECTORS, PARENTS, 
CONTROLLING PERSONS, SUBSIDIARIES, AFFILIATES, SUCCESSORS AND ASSIGNS 
WILL PROCEED ON AN INDIVIDUAL BASIS AND WILL NOT PROCEED AS PART OF A 
CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION OR 
OTHER REPRESENTATIVE ACTION AND YOU AND SUNTRUST HEREBY KNOWINGLY, 
VOLUNTARILY, INTENTIONALLY AND IRREVOCABLY WAIVE ANY RIGHT TO PROCEED 
IN A CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION OR 
OTHER REPRESENTATIVE ACTION OR TO SERVE AS A CLASS REPRESENTATIVE.

Other Products and Services

SunTrust will, at Your request, arrange for an overnight courier to deliver 
additional or replacement Cards on an expedited basis. The charge assessed by the 
overnight courier will be added to Your Account Balance. From time to time, new

products, optional services or enhancements (for example, insurance or Card 
registration) may be offered on Your Account. SunTrust is not liable for these 
features, services and enhancements, when they are the responsibility of a 
third party provider. You agree to hold SunTrust harmless from any claims, 
actions or damages resulting from Your use of any of these features, services or 
enhancements, when permitted by applicable law. SunTrust reserves the right to 
adjust, add, or delete benefits and services at any time.

Credit Inquiries

You authorize SunTrust to make or have made any credit, employment, and 
investigative inquiries that SunTrust deems appropriate related to the extension 
or collection of Credit under the Account. If You dispute credit information 
SunTrust is reporting about You, You may notify SunTrust at Cardholder Services, 
Attention: Dispute Department, P.O. Box 620548, Orlando, FL 32862-0548.

Consumer Reporting Agencies (Credit Bureaus)

It is standard banking industry practice and within federal and state law for SunTrust 
routinely to provide data about customer loan repayment and transactions to 
consumer reporting agencies and other creditors. SunTrust may report information 
about Your Account(s) to credit bureaus. Late Payments, missed payments, or 
other Defaults on Your Account(s) may be reflected in Your credit report.

Sharing of Information

SunTrust may, to the extent and in the manner permitted by applicable law, 
communicate information about SunTrust’s experiences and transactions with 
You to consumer reporting agencies, SunTrust’s affiliates, and others who may 
properly receive that information. You may refer to SunTrust’s Privacy Statement 
for more details about how SunTrust collects, uses, retains, discloses, and 
safeguards information about You and Your Account. SunTrust’s Privacy Statement 
is provided when consumer Cardholders establish a customer relationship with 
SunTrust, once each year while Cardholders maintain a customer relationship 
with SunTrust, and at other times required by law. You may request an additional 
copy of SunTrust’s Privacy Statement by calling SunTrust at 866.732.1683 
or sending a written request to SunTrust at Cardholder Services, Attention: 
Customer Service, P.O. Box 621629, Orlando, FL 32862-1629.

Waiver

SunTrust’s failure to exercise, or SunTrust’s delay in exercising, any of SunTrust’s 
rights under the Agreement for any reason will not mean that SunTrust will be 
unable to exercise those rights later.

Severability

The invalidity of any provision of the Agreement will not affect the validity of any 
other provision.

Entire Agreement

This Agreement, as modified from time to time in accordance with applicable law 
by any change in terms that SunTrust will deliver to You (in writing or via update 
to Agreement terms that are published at www.suntrust.com/personal-banking/
credit-cards), constitutes the entire Agreement between You and SunTrust, and 
supersedes any prior negotiation or understanding between You and SunTrust 
concerning the subject matter of this Agreement. Section headings are for 
convenience only and are to be disregarded when interpreting this Agreement.

New Jersey Residents

All provisions of this Agreement are valid, enforceable and applicable in New Jersey.

Illegal Transaction

Any financial service that SunTrust provides pursuant to this Agreement may be 
used for any transaction permitted by law in accordance with this Agreement. You 
agree that illegal use of any financial service will be deemed an action of Default 
and/or breach of contract and that SunTrust may terminate any such financial 
service and/or other related services at SunTrust’s discretion. You will remain 
responsible for paying for a transaction, even if it is not permissible. If any illegal 
use occurs, You also agree to waive any right to sue SunTrust for such illegal use 
or any activity directly or indirectly related to it and indemnify and hold SunTrust 
harmless from any suits or other legal action or liability, directly or indirectly, 
resulting from such illegal use.

Emergency Card Replacement and Cash Disbursement

You and any Authorized User agree and authorize SunTrust to provide Your 
personal data to the Card Association, its members, or their respective 
contractors for the purpose of providing Emergency Card Replacement and 
Emergency Cash Disbursement benefits to You on Your Account.

Arbitration Provision

READ THIS PROVISION CAREFULLY AS IT WILL HAVE A SUBSTANTIAL IMPACT ON HOW 
DISPUTES AND CLAIMS YOU AND WE HAVE AGAINST EACH OTHER ARE RESOLVED. 
YOU HAVE THE RIGHT TO REJECT THIS ARBITRATION AGREEMENT AS SET FORTH 
BELOW. If You do not reject this arbitration agreement, for a Claim subject to 
arbitration, neither You nor we will have the right to: (1) have a court or a jury 
decide the Claim; (2) engage in information-gathering (discovery) to the same 
extent as in court; (3) participate in a class action in court or in arbitration; or (4) 
join or consolidate a Claim with claims of any other person. The right to appeal 
is more limited in arbitration than in court and other rights in court may be 
unavailable or limited in arbitration. 
Claims Subject to Arbitration. A “Claim” subject to arbitration is any claim, dispute 
or controversy between You and us (other than an Excluded Claim or Proceeding 
as set forth below), whether preexisting, present or future, which arises out of or 
relates to the Account, these rules and regulations, any transaction conducted with 
us in connection with the Account or these rules and regulations, or our relationship. 
“Claim” has the broadest possible meaning and includes initial claims, counterclaims, 
cross-claims, third- party claims and federal, state, local and administrative claims. 
It includes disputes based upon contract, tort, consumer rights, fraud and other 
intentional torts, constitution, statute, regulation, ordinance, common law and equity 
and includes claims for money damages and injunctive or declaratory relief. “Claim” 
also includes disputes concerning communications involving telephones, cell phones, 
automatic dialing systems, artificial or prerecorded voice messages, text messages, 
emails or facsimile machines and alleged violations of the Telephone Consumer 
Protection Act and other statutes or regulations involving telemarketing. Upon the 
demand of You or us, Claim(s) will be resolved by individual (not class or class-
wide) binding arbitration in accordance with the terms specified in this arbitration 
agreement. 
Special Definition of “We,” “Us” and “Our.” Solely for purposes of this arbitration 
agreement, the terms “we,” “us” and “our,” in addition to the meanings set forth in 
these rules and regulations, also refer to SunTrust’s employees, officers, directors, 
parents, controlling persons, subsidiaries, affiliates, successors and assigns. “We,” “us” 
and “our” also apply to third parties if You assert a Claim against such third parties in 
connection with a Claim You assert against us. 
Excluded Claim or Proceeding. Notwithstanding the foregoing, “Claim” does not 
include any dispute or controversy about the validity, enforceability, coverage or 
scope of this arbitration agreement or any part thereof (including, without limitation, 
the Class Action Waiver set forth below, this sentence, and/or the last sentence of 
the Survival and Severability paragraph below); all such disputes or controversies are 
for a court and not an arbitrator to decide. However, any dispute or controversy that 
concerns the validity or enforceability of the rules and regulations as a whole is for 
the arbitrator, not a court, to decide. In addition, the following claims or proceedings 
will not be subject to this arbitration agreement: (1) any individual action brought 
by You or us in small claims court or Your state’s equivalent court, unless such action 
is transferred, removed, or appealed to a different court; (2) the exercising of any 
self-help rights, including set-off as described in the paragraph below titled “Right of 
Offset and Security Interest,” or (3) any individual action in court by one party that 
is limited to preventing the other party from using a self- help remedy and that does 
not involve a request for damages or monetary relief of any kind. The institution and/ 
or maintenance of any such right, action or litigation shall not constitute a waiver of 
the right of either of the parties to compel arbitration regarding any other dispute 
subject to arbitration pursuant to this arbitration agreement. Moreover, this arbitration 
agreement will not apply to any Claims that are the subject of (a) a class action 
filed in court that is pending as of the effective date of this arbitration agreement 
in which You are alleged to be a member of the putative class (however, You and we 
will continue to be bound by any prior version of this arbitration agreement), or (b) 
a motion to compel arbitration filed by us against You before the effective date of 
this arbitration agreement pursuant to a prior version of this arbitration agreement 
(however, You and we will continue to be bound by any prior version of this arbitration 
agreement). 
Federal Arbitration Act. Notwithstanding any choice of law or other provision in 
these rules and regulations, the parties agree and acknowledge that this agreement 
evidences a transaction involving interstate commerce and that the Federal Arbitration 
Act (Title 9 of the United States Code) (“FAA”) shall govern its interpretation and 
enforcement and proceedings pursuant thereto. To the extent state law is applicable 
under the FAA, the law of the state governing Your account relationship with us shall 
apply. 
Arbitration Class Action Waiver. Notwithstanding any other provision of these rules 
and regulations, if either You or we elect to arbitrate a Claim, neither You nor we will 
have the right: (a) to participate in a class action, private attorney general action or 
other representative action in court or in arbitration, either as a class representative 
or class member; or (b) to join or consolidate Claims with claims of any other persons. 
No arbitrator shall have authority to conduct any arbitration in violation of this 
provision. (Provided, however, that the Class Action Waiver does not apply to any 
lawsuit or administrative proceeding filed against us by a state or federal government 
agency even when such agency is seeking relief on behalf of a class of borrowers 
including You. This means that we will not have the right to compel arbitration of any 
claim brought by such an agency).
Arbitration Procedures. If You or we elect to arbitrate a Claim, the electing party 
must notify the other party in writing. This notice can be given after the beginning of a 
lawsuit and can be given in papers filed in the lawsuit. Otherwise, Your notice must be

sent to SunTrust Bank Legal Department, Attn: General Counsel- Arbitration Election, 
Mail Code 0643, 303 Peachtree Street, N.E., 9th Floor, Atlanta, Georgia 30308, and 
our notice must be sent to the most recent address for You in our files. Any arbitration 
hearing that You attend must take place in a venue reasonably convenient to You. If a 
party files a lawsuit in court asserting Claim(s) that are subject to arbitration and the 
other party files a motion to compel arbitration with the court which is granted, it will 
be the responsibility of the party prosecuting the Claim(s) to commence the arbitration 
proceeding with an arbitration administrator in accordance with this arbitration 
agreement and the administrator’s rules and procedures. Even if all parties have opted 
to litigate a Claim in court, You or we may elect arbitration with respect to any Claim 
made by a new party or any Claim later asserted by a party in that or any related 
or unrelated lawsuit (including a Claim initially asserted on an individual basis but 
modified to be asserted on a class, representative or multi-party basis). Nothing in that 
litigation shall constitute a waiver of any rights under this arbitration agreement. 
A single arbitrator will be appointed by the administrator and, unless You and us 
agree otherwise, must be a practicing attorney with ten or more years of experience 
or a retired judge. The arbitrator will not be bound by judicial rules of procedure 
and evidence that would apply in a court, nor by state or local laws that relate to 
arbitration provisions or proceedings. The arbitrator will honor and enforce statutes 
of limitation and claims of privilege recognized under applicable law. In determining 
liability or awarding damages or other relief, the arbitrator will follow the applicable 
substantive law, consistent with these rules and regulations and the FAA, that would 
apply if the matter had been brought in court. The arbitrator may award any damages 
or other relief or remedies that would apply under applicable law to an individual 
action brought in court. For Claim(s) that total less than $75,000 and at Your written 
request, we will pay all filing, hearing and/or other fees charged by the administrator 
and arbitrator to You for Claim(s) asserted by You in arbitration after You have paid 
an amount equivalent to the fee, if any, for filing such Claim(s) in state or federal 
court (whichever is less) in the judicial district in which You reside. If You have already 
paid a filing fee for asserting the Claim(s) in court, You will not be required to pay 
that amount again. In addition, the administrator may have a procedure whereby 
You can seek a waiver of fees charged to You by the administrator and arbitrator. 
We will always pay any fees or expenses that we are required to pay by law or the 
administrator’s rules or that we are required to pay for this arbitration agreement 
to be enforced. The arbitrator will have the authority to award attorneys and expert 
witness fees and costs to the extent permitted by either these rules and regulations, 
the administrator’s rules or applicable law. The arbitrator shall award You Your 
reasonable attorneys’ and expert witness fees and costs (a) if and to the extent You 
prevail on Claim(s) You assert against us in an individual arbitration commenced by 
You, or (b) to the extent required under applicable law for this arbitration agreement 
to be enforced. The arbitrator shall write a brief explanation of the grounds for the 
decision. A judgment on the award may be entered by any court having jurisdiction. 
Survival and Severability. This arbitration agreement shall survive the closing of Your 
Account and the termination of any relationship between us, including the termination 
of these rules and regulations. If any part of this arbitration agreement is deemed 
or found to be unenforceable for any reason, the remainder shall be enforceable, 
except that: (a) The parties to these rules and regulations acknowledge that the Class 
Action Waiver is material and essential to the arbitration of any disputes between 
the parties and is non severable from this arbitration agreement. If the Class Action 
Waiver is limited, voided or found unenforceable as to any Claim(s), then the parties’ 
arbitration agreement (except for this sentence) shall be null and void with respect to 
such Claim(s) (but not as to any other Claim(s) that have been or are later brought), 
subject to the right to appeal the limitation or invalidation of the Class Action Waiver. 
The parties acknowledge and agree that under no circumstances will a class action be 
arbitrated; and (b) If a Claim is brought seeking public injunctive relief and a court 
determines that the restrictions in the paragraph titled “Class Action Waiver” or 
elsewhere in this agreement prohibiting the arbitrator from awarding relief on behalf 
of third parties are unenforceable with respect to such Claim (and that determination 
becomes final after all appeals have been exhausted), the Claim for public injunctive 
relief will be determined in court and any individual Claims seeking monetary relief 
will be arbitrated. In such a case the parties will request that the court stay the Claim 
for public injunctive relief until the arbitration award pertaining to individual relief 
has been entered in court. In no event will a Claim for public injunctive relief be 
arbitrated. 
Effect of Arbitration Award. The arbitrator’s award shall be final and binding on all 
parties, except for any right of appeal provided by the FAA. However, if the amount of 
the Claim exceeds $150,000 or involves a request for injunctive or declaratory relief 
that could foreseeably involve a cost or benefit to either party exceeding $150,000, 
any party can, within thirty (30) days after the entry of the award by the arbitrator, 
appeal the award to a three- arbitrator panel administered by the Administrator. The 
panel shall reconsider anew any aspect of the initial award requested by the appealing 
party. The decision of the panel shall be by majority vote. Reference in this arbitration 
provision to “the arbitrator” shall mean the panel if an appeal of the arbitrator’s 
decision has been taken. The costs of such an appeal will be borne in accordance with 
the above paragraph titled “Arbitration Procedures.” Any final decision of the appeal 
panel is subject to judicial review only as provided under the FAA. No arbitration 
award involving the parties will have any preclusive effect as to issues or claims in any 
dispute involving anyone who is not a party to the arbitration, nor will an arbitration 
award in prior disputes involving other parties have preclusive effect in an arbitration 
between the parties to this agreement. 
Notice and Cure; Special Payment. Prior to initiating a Claim, You may give us a 
written Claim Notice describing the basis of Your Claim and the amount You would 
accept in resolution of the Claim, and a reasonable opportunity, not less than thirty 
(30) days, to resolve the Claim. Such a Claim Notice must be sent to us by certified 
mail, return receipt requested, at SunTrust Bank Legal Department, Attn: General 
Counsel- Claim Notice, Mail Code 0643, 303 Peachtree Street, N.E., 9th Floor, Atlanta, 
Georgia 30308. This is the sole and only method by which You can submit a Claim 
Notice. If (i) You submit a Claim Notice in accordance with this Paragraph on Your own 
behalf (and not on behalf of any other party); (ii) You cooperate with us by promptly

providing the information we reasonably request; (iii) we refuse to provide You with 

the relief You request; and (iv) the matter then proceeds to arbitration and the 

arbitrator subsequently determines that You were entitled to such relief (or greater 

relief), You will be entitled to a minimum award of at least $7,500 (not including any 

arbitration fees and attorneys’ fees and costs to which You will also be entitled). We 

encourage You to address all Claims You have in a single Claim Notice and/or a single 

arbitration. Accordingly, this $7,500 minimum award is a single award that applies to 

all Claims You have asserted or could have asserted in the arbitration, and multiple 

awards of $7,500 are not contemplated. 

Right to Reject Arbitration Agreement. You may reject this arbitration agreement and 

therefore not be subject to being required to resolve any claim, dispute or controversy 

by arbitration. To reject this arbitration agreement, You and only You personally, must 

send us written notice of Your decision so that we receive it at the address listed 

below within forty-five (45) days of the opening of Your Account. Such notice must 

include a statement that You wish to reject the arbitration agreement section of these 

rules and regulations along with Your name, address, Account name, Account number 

and Your signature and must be mailed to the SunTrust Bank Legal Department, Attn: 

Arbitration Rejection, P.O. Box 4418, Mail Code 0643, Atlanta, GA 30302-4418. This 

is the sole and only method by which You can reject this arbitration agreement and 

any attempt to reject this arbitration agreement by any other person or through any 

other method or form of notice, including the filing of a lawsuit, will be ineffective. 

You agree that Your rejection of this arbitration agreement shall not be imputed to any 

other person or entity or be deemed to be a rejection of this arbitration agreement 

by any person or entity other than You. Nor shall Your rejection of this arbitration 

agreement eliminate the obligation of other persons or entities who wish to reject this 

arbitration agreement to personally comply with the notice and time requirements of 

this paragraph. Rejection of this arbitration agreement will not affect any remaining 

terms of these rules and regulations and will not result in any adverse consequence to 

You or Your Account. You agree that our business records will be final and conclusive 

with respect to whether You rejected this arbitration agreement in a timely and proper 

fashion. This arbitration agreement provision will apply to You and us and to Your 

Account unless You reject it by providing proper and timely notice as stated herein.

Your Billing Rights

Keep this notice for future use. It informs You about Your rights and SunTrust’s 

responsibilities under the Fair Credit Billing Act.

What to do if You find a mistake on Your Statement

• If You think there is an error on Your Statement, write SunTrust at:

 ◦ SunTrust Bank 

Cardholder Services, P.O. Box 620548, Orlando, FL 32862-0548 

Attn: Dispute Department

• In Your letter, give SunTrust the following information:

 ◦ Account information: Your name and Account number

 ◦ Dollar amount: The amount of the suspected error

 ◦ Description of problem: If You think there is an error on Your Statement, 

describe what You believe is wrong and why You believe it is a mistake.

• You must contact SunTrust:

qualify.

 ◦ Within 60 days after the error appeared on Your statement.

 ◦ You must not yet have fully paid for the Purchase.

 ◦ At least 3 business days before an automated payment is scheduled, if You 

• If all of the criteria above are met and You are still dissatisfied with the 

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 

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.

All rights reserved. 

SunTrust now Truist, Member FDIC. ©2020 Truist Financial Corporation. SunTrust®,

Truist and the SunTrust logo are service marks of Truist Financial Corporation.         

 
 
 
 
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 YOU AND WE HAVE AGAINST EACH OTHER ARE RESOLVED. 
YOU HAVE THE RIGHT TO REJECT THIS ARBITRATION AGREEMENT AS SET FORTH 
BELOW. If You do not reject this arbitration agreement, for a Claim subject to 
arbitration, neither You nor we will have the right to: (1) have a court or a jury 
decide the Claim; (2) engage in information-gathering (discovery) to the same 
extent as in court; (3) participate in a class action in court or in arbitration; or (4) 
join or consolidate a Claim with claims of any other person. The right to appeal 
is more limited in arbitration than in court and other rights in court may be 

unavailable or limited in arbitration. 

Claims Subject to Arbitration. A “Claim” subject to arbitration is any claim, dispute 
or controversy between You and us (other than an Excluded Claim or Proceeding 
as set forth below), whether preexisting, present or future, which arises out of or 
relates to the Account, these rules and regulations, any transaction conducted with 
us in connection with the Account or these rules and regulations, or our relationship. 
“Claim” has the broadest possible meaning and includes initial claims, counterclaims, 
cross-claims, third- party claims and federal, state, local and administrative claims. 
It includes disputes based upon contract, tort, consumer rights, fraud and other 
intentional torts, constitution, statute, regulation, ordinance, common law and equity 
and includes claims for money damages and injunctive or declaratory relief. “Claim” 
also includes disputes concerning communications involving telephones, cell phones, 
automatic dialing systems, artificial or prerecorded voice messages, text messages, 
emails or facsimile machines and alleged violations of the Telephone Consumer 
Protection Act and other statutes or regulations involving telemarketing. Upon the 
demand of You or us, Claim(s) will be resolved by individual (not class or class-
wide) binding arbitration in accordance with the terms specified in this arbitration 

agreement. 

Special Definition of “We,” “Us” and “Our.” Solely for purposes of this arbitration 
agreement, the terms “we,” “us” and “our,” in addition to the meanings set forth in 
these rules and regulations, also refer to SunTrust’s employees, officers, directors, 
parents, controlling persons, subsidiaries, affiliates, successors and assigns. “We,” “us” 
and “our” also apply to third parties if You assert a Claim against such third parties in 

connection with a Claim You assert against us. 

Excluded Claim or Proceeding. Notwithstanding the foregoing, “Claim” does not 
include any dispute or controversy about the validity, enforceability, coverage or 
scope of this arbitration agreement or any part thereof (including, without limitation, 
the Class Action Waiver set forth below, this sentence, and/or the last sentence of 
the Survival and Severability paragraph below); all such disputes or controversies are 
for a court and not an arbitrator to decide. However, any dispute or controversy that 
concerns the validity or enforceability of the rules and regulations as a whole is for 
the arbitrator, not a court, to decide. In addition, the following claims or proceedings 
will not be subject to this arbitration agreement: (1) any individual action brought 
by You or us in small claims court or Your state’s equivalent court, unless such action 
is transferred, removed, or appealed to a different court; (2) the exercising of any 
self-help rights, including set-off as described in the paragraph below titled “Right of 
Offset and Security Interest,” or (3) any individual action in court by one party that 
is limited to preventing the other party from using a self- help remedy and that does 
not involve a request for damages or monetary relief of any kind. The institution and/ 
or maintenance of any such right, action or litigation shall not constitute a waiver of 
the right of either of the parties to compel arbitration regarding any other dispute 
subject to arbitration pursuant to this arbitration agreement. Moreover, this arbitration 
agreement will not apply to any Claims that are the subject of (a) a class action 
filed in court that is pending as of the effective date of this arbitration agreement 
in which You are alleged to be a member of the putative class (however, You and we 
will continue to be bound by any prior version of this arbitration agreement), or (b) 
a motion to compel arbitration filed by us against You before the effective date of 
this arbitration agreement pursuant to a prior version of this arbitration agreement 
(however, You and we will continue to be bound by any prior version of this arbitration 

agreement). 

Federal Arbitration Act. Notwithstanding any choice of law or other provision in 
these rules and regulations, the parties agree and acknowledge that this agreement 
evidences a transaction involving interstate commerce and that the Federal Arbitration 
Act (Title 9 of the United States Code) (“FAA”) shall govern its interpretation and 
enforcement and proceedings pursuant thereto. To the extent state law is applicable 
under the FAA, the law of the state governing Your account relationship with us shall 

apply. 

Arbitration Class Action Waiver. Notwithstanding any other provision of these rules 
and regulations, if either You or we elect to arbitrate a Claim, neither You nor we will 
have the right: (a) to participate in a class action, private attorney general action or 
other representative action in court or in arbitration, either as a class representative 
or class member; or (b) to join or consolidate Claims with claims of any other persons. 
No arbitrator shall have authority to conduct any arbitration in violation of this 
provision. (Provided, however, that the Class Action Waiver does not apply to any 
lawsuit or administrative proceeding filed against us by a state or federal government 
agency even when such agency is seeking relief on behalf of a class of borrowers 
including You. This means that we will not have the right to compel arbitration of any 

claim brought by such an agency).

Arbitration Procedures. If You or we elect to arbitrate a Claim, the electing party 
must notify the other party in writing. This notice can be given after the beginning of a 
lawsuit and can be given in papers filed in the lawsuit. Otherwise, Your notice must be

sent to SunTrust Bank Legal Department, Attn: General Counsel- Arbitration Election, 
Mail Code 0643, 303 Peachtree Street, N.E., 9th Floor, Atlanta, Georgia 30308, and 
our notice must be sent to the most recent address for You in our files. Any arbitration 
hearing that You attend must take place in a venue reasonably convenient to You. If a 
party files a lawsuit in court asserting Claim(s) that are subject to arbitration and the 
other party files a motion to compel arbitration with the court which is granted, it will 
be the responsibility of the party prosecuting the Claim(s) to commence the arbitration 
proceeding with an arbitration administrator in accordance with this arbitration 
agreement and the administrator’s rules and procedures. Even if all parties have opted 
to litigate a Claim in court, You or we may elect arbitration with respect to any Claim 
made by a new party or any Claim later asserted by a party in that or any related 
or unrelated lawsuit (including a Claim initially asserted on an individual basis but 
modified to be asserted on a class, representative or multi-party basis). Nothing in that 
litigation shall constitute a waiver of any rights under this arbitration agreement. 
A single arbitrator will be appointed by the administrator and, unless You and us 
agree otherwise, must be a practicing attorney with ten or more years of experience 
or a retired judge. The arbitrator will not be bound by judicial rules of procedure 
and evidence that would apply in a court, nor by state or local laws that relate to 
arbitration provisions or proceedings. The arbitrator will honor and enforce statutes 
of limitation and claims of privilege recognized under applicable law. In determining 
liability or awarding damages or other relief, the arbitrator will follow the applicable 
substantive law, consistent with these rules and regulations and the FAA, that would 
apply if the matter had been brought in court. The arbitrator may award any damages 
or other relief or remedies that would apply under applicable law to an individual 
action brought in court. For Claim(s) that total less than $75,000 and at Your written 
request, we will pay all filing, hearing and/or other fees charged by the administrator 
and arbitrator to You for Claim(s) asserted by You in arbitration after You have paid 
an amount equivalent to the fee, if any, for filing such Claim(s) in state or federal 
court (whichever is less) in the judicial district in which You reside. If You have already 
paid a filing fee for asserting the Claim(s) in court, You will not be required to pay 
that amount again. In addition, the administrator may have a procedure whereby 
You can seek a waiver of fees charged to You by the administrator and arbitrator. 
We will always pay any fees or expenses that we are required to pay by law or the 
administrator’s rules or that we are required to pay for this arbitration agreement 
to be enforced. The arbitrator will have the authority to award attorneys and expert 
witness fees and costs to the extent permitted by either these rules and regulations, 
the administrator’s rules or applicable law. The arbitrator shall award You Your 
reasonable attorneys’ and expert witness fees and costs (a) if and to the extent You 
prevail on Claim(s) You assert against us in an individual arbitration commenced by 
You, or (b) to the extent required under applicable law for this arbitration agreement 
to be enforced. The arbitrator shall write a brief explanation of the grounds for the 
decision. A judgment on the award may be entered by any court having jurisdiction. 
Survival and Severability. This arbitration agreement shall survive the closing of Your 
Account and the termination of any relationship between us, including the termination 
of these rules and regulations. If any part of this arbitration agreement is deemed 
or found to be unenforceable for any reason, the remainder shall be enforceable, 
except that: (a) The parties to these rules and regulations acknowledge that the Class 
Action Waiver is material and essential to the arbitration of any disputes between 
the parties and is non severable from this arbitration agreement. If the Class Action 
Waiver is limited, voided or found unenforceable as to any Claim(s), then the parties’ 
arbitration agreement (except for this sentence) shall be null and void with respect to 
such Claim(s) (but not as to any other Claim(s) that have been or are later brought), 
subject to the right to appeal the limitation or invalidation of the Class Action Waiver. 
The parties acknowledge and agree that under no circumstances will a class action be 
arbitrated; and (b) If a Claim is brought seeking public injunctive relief and a court 
determines that the restrictions in the paragraph titled “Class Action Waiver” or 
elsewhere in this agreement prohibiting the arbitrator from awarding relief on behalf 
of third parties are unenforceable with respect to such Claim (and that determination 
becomes final after all appeals have been exhausted), the Claim for public injunctive 
relief will be determined in court and any individual Claims seeking monetary relief 
will be arbitrated. In such a case the parties will request that the court stay the Claim 
for public injunctive relief until the arbitration award pertaining to individual relief 
has been entered in court. In no event will a Claim for public injunctive relief be 
arbitrated. 
Effect of Arbitration Award. The arbitrator’s award shall be final and binding on all 
parties, except for any right of appeal provided by the FAA. However, if the amount of 
the Claim exceeds $150,000 or involves a request for injunctive or declaratory relief 
that could foreseeably involve a cost or benefit to either party exceeding $150,000, 
any party can, within thirty (30) days after the entry of the award by the arbitrator, 
appeal the award to a three- arbitrator panel administered by the Administrator. The 
panel shall reconsider anew any aspect of the initial award requested by the appealing 
party. The decision of the panel shall be by majority vote. Reference in this arbitration 
provision to “the arbitrator” shall mean the panel if an appeal of the arbitrator’s 
decision has been taken. The costs of such an appeal will be borne in accordance with 
the above paragraph titled “Arbitration Procedures.” Any final decision of the appeal 
panel is subject to judicial review only as provided under the FAA. No arbitration 
award involving the parties will have any preclusive effect as to issues or claims in any 
dispute involving anyone who is not a party to the arbitration, nor will an arbitration 
award in prior disputes involving other parties have preclusive effect in an arbitration 
between the parties to this agreement. 
Notice and Cure; Special Payment. Prior to initiating a Claim, You may give us a 
written Claim Notice describing the basis of Your Claim and the amount You would 
accept in resolution of the Claim, and a reasonable opportunity, not less than thirty 
(30) days, to resolve the Claim. Such a Claim Notice must be sent to us by certified 
mail, return receipt requested, at SunTrust Bank Legal Department, Attn: General 
Counsel- Claim Notice, Mail Code 0643, 303 Peachtree Street, N.E., 9th Floor, Atlanta, 
Georgia 30308. This is the sole and only method by which You can submit a Claim 
Notice. If (i) You submit a Claim Notice in accordance with this Paragraph on Your own 
behalf (and not on behalf of any other party); (ii) You cooperate with us by promptly

providing the information we reasonably request; (iii) we refuse to provide You with 
the relief You request; and (iv) the matter then proceeds to arbitration and the 
arbitrator subsequently determines that You were entitled to such relief (or greater 
relief), You will be entitled to a minimum award of at least $7,500 (not including any 
arbitration fees and attorneys’ fees and costs to which You will also be entitled). We 
encourage You to address all Claims You have in a single Claim Notice and/or a single 
arbitration. Accordingly, this $7,500 minimum award is a single award that applies to 
all Claims You have asserted or could have asserted in the arbitration, and multiple 
awards of $7,500 are not contemplated. 
Right to Reject Arbitration Agreement. You may reject this arbitration agreement and 
therefore not be subject to being required to resolve any claim, dispute or controversy 
by arbitration. To reject this arbitration agreement, You and only You personally, must 
send us written notice of Your decision so that we receive it at the address listed 
below within forty-five (45) days of the opening of Your Account. Such notice must 
include a statement that You wish to reject the arbitration agreement section of these 
rules and regulations along with Your name, address, Account name, Account number 
and Your signature and must be mailed to the SunTrust Bank Legal Department, Attn: 
Arbitration Rejection, P.O. Box 4418, Mail Code 0643, Atlanta, GA 30302-4418. This 
is the sole and only method by which You can reject this arbitration agreement and 
any attempt to reject this arbitration agreement by any other person or through any 
other method or form of notice, including the filing of a lawsuit, will be ineffective. 
You agree that Your rejection of this arbitration agreement shall not be imputed to any 
other person or entity or be deemed to be a rejection of this arbitration agreement 
by any person or entity other than You. Nor shall Your rejection of this arbitration 
agreement eliminate the obligation of other persons or entities who wish to reject this 
arbitration agreement to personally comply with the notice and time requirements of 
this paragraph. Rejection of this arbitration agreement will not affect any remaining 
terms of these rules and regulations and will not result in any adverse consequence to 
You or Your Account. You agree that our business records will be final and conclusive 
with respect to whether You rejected this arbitration agreement in a timely and proper 
fashion. This arbitration agreement provision will apply to You and us and to Your 
Account unless You reject it by providing proper and timely notice as stated herein.

Your Billing Rights

Keep this notice for future use. It informs You about Your rights and SunTrust’s 
responsibilities under the Fair Credit Billing Act.

What to do if You find a mistake on Your Statement

• If You think there is an error on Your Statement, write SunTrust at:

 ◦ SunTrust Bank 

Cardholder Services, P.O. Box 620548, Orlando, FL 32862-0548 
Attn: Dispute Department

• In Your letter, give SunTrust the following information:

 ◦ Account information: Your name and Account number
 ◦ Dollar amount: The amount of the suspected error
 ◦ Description of problem: If You think there is an error on Your Statement, 
describe what You believe is wrong and why You believe it is a mistake.

• You must contact SunTrust:

qualify.

 ◦ 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 

 ◦ 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.

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).

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.

1The Personal Deposit Account Fee Schedule is accessible at https://www.

suntrust.com/Static/Documents/Personal_Banking/Deposit_Account_Disclosures/

FSRETAILE.pdf.

All rights reserved. 

SunTrust now Truist, Member FDIC. ©2020 Truist Financial Corporation. SunTrust®,

Truist and the SunTrust logo are service marks of Truist Financial Corporation.         

 
 
 
 
providing the information we reasonably request; (iii) we refuse to provide You with 
the relief You request; and (iv) the matter then proceeds to arbitration and the 
arbitrator subsequently determines that You were entitled to such relief (or greater 
relief), You will be entitled to a minimum award of at least $7,500 (not including any 
arbitration fees and attorneys’ fees and costs to which You will also be entitled). We 
encourage You to address all Claims You have in a single Claim Notice and/or a single 
arbitration. Accordingly, this $7,500 minimum award is a single award that applies to 
all Claims You have asserted or could have asserted in the arbitration, and multiple 
awards of $7,500 are not contemplated. 
Right to Reject Arbitration Agreement. You may reject this arbitration agreement and 
therefore not be subject to being required to resolve any claim, dispute or controversy 
by arbitration. To reject this arbitration agreement, You and only You personally, must 
send us written notice of Your decision so that we receive it at the address listed 
below within forty-five (45) days of the opening of Your Account. Such notice must 
include a statement that You wish to reject the arbitration agreement section of these 
rules and regulations along with Your name, address, Account name, Account number 
and Your signature and must be mailed to the SunTrust Bank Legal Department, Attn: 
Arbitration Rejection, P.O. Box 4418, Mail Code 0643, Atlanta, GA 30302-4418. This 
is the sole and only method by which You can reject this arbitration agreement and 
any attempt to reject this arbitration agreement by any other person or through any 
other method or form of notice, including the filing of a lawsuit, will be ineffective. 
You agree that Your rejection of this arbitration agreement shall not be imputed to any 
other person or entity or be deemed to be a rejection of this arbitration agreement 
by any person or entity other than You. Nor shall Your rejection of this arbitration 
agreement eliminate the obligation of other persons or entities who wish to reject this 
arbitration agreement to personally comply with the notice and time requirements of 
this paragraph. Rejection of this arbitration agreement will not affect any remaining 
terms of these rules and regulations and will not result in any adverse consequence to 
You or Your Account. You agree that our business records will be final and conclusive 
with respect to whether You rejected this arbitration agreement in a timely and proper 
fashion. This arbitration agreement provision will apply to You and us and to Your 
Account unless You reject it by providing proper and timely notice as stated herein.

Your Billing Rights

Keep this notice for future use. It informs You about Your rights and SunTrust’s 
responsibilities under the Fair Credit Billing Act.

What to do if You find a mistake on Your Statement

• If You think there is an error on Your Statement, write SunTrust at:

 ◦ SunTrust Bank 

Cardholder Services, P.O. Box 620548, Orlando, FL 32862-0548 
Attn: Dispute Department

• In Your letter, give SunTrust the following information:

 ◦ Account information: Your name and Account number
 ◦ Dollar amount: The amount of the suspected error
 ◦ Description of problem: If You think there is an error on Your Statement, 
describe what You believe is wrong and why You believe it is a mistake.

• You must contact SunTrust:

 ◦ Within 60 days after the error appeared on Your statement.
 ◦ At least 3 business days before an automated payment is scheduled, if You 

want to stop payment on the amount You think is wrong.

• You must notify SunTrust of any potential errors in writing. You may also call 
SunTrust, but SunTrust is not required to investigate any potential errors and 
You may have to pay the amount in question unless You provide written notice of 
the suspected error.

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 YOU AND WE HAVE AGAINST EACH OTHER ARE RESOLVED. 

YOU HAVE THE RIGHT TO REJECT THIS ARBITRATION AGREEMENT AS SET FORTH 

BELOW. If You do not reject this arbitration agreement, for a Claim subject to 

arbitration, neither You nor we will have the right to: (1) have a court or a jury 

decide the Claim; (2) engage in information-gathering (discovery) to the same 

extent as in court; (3) participate in a class action in court or in arbitration; or (4) 

join or consolidate a Claim with claims of any other person. The right to appeal 

is more limited in arbitration than in court and other rights in court may be 

unavailable or limited in arbitration. 

Claims Subject to Arbitration. A “Claim” subject to arbitration is any claim, dispute 

or controversy between You and us (other than an Excluded Claim or Proceeding 

as set forth below), whether preexisting, present or future, which arises out of or 

relates to the Account, these rules and regulations, any transaction conducted with 

us in connection with the Account or these rules and regulations, or our relationship. 

“Claim” has the broadest possible meaning and includes initial claims, counterclaims, 

cross-claims, third- party claims and federal, state, local and administrative claims. 

It includes disputes based upon contract, tort, consumer rights, fraud and other 

intentional torts, constitution, statute, regulation, ordinance, common law and equity 

and includes claims for money damages and injunctive or declaratory relief. “Claim” 

also includes disputes concerning communications involving telephones, cell phones, 

automatic dialing systems, artificial or prerecorded voice messages, text messages, 

emails or facsimile machines and alleged violations of the Telephone Consumer 

Protection Act and other statutes or regulations involving telemarketing. Upon the 

demand of You or us, Claim(s) will be resolved by individual (not class or class-

wide) binding arbitration in accordance with the terms specified in this arbitration 

agreement. 

Special Definition of “We,” “Us” and “Our.” Solely for purposes of this arbitration 

agreement, the terms “we,” “us” and “our,” in addition to the meanings set forth in 

these rules and regulations, also refer to SunTrust’s employees, officers, directors, 

parents, controlling persons, subsidiaries, affiliates, successors and assigns. “We,” “us” 

and “our” also apply to third parties if You assert a Claim against such third parties in 

connection with a Claim You assert against us. 

Excluded Claim or Proceeding. Notwithstanding the foregoing, “Claim” does not 

include any dispute or controversy about the validity, enforceability, coverage or 

scope of this arbitration agreement or any part thereof (including, without limitation, 

the Class Action Waiver set forth below, this sentence, and/or the last sentence of 

the Survival and Severability paragraph below); all such disputes or controversies are 

for a court and not an arbitrator to decide. However, any dispute or controversy that 

concerns the validity or enforceability of the rules and regulations as a whole is for 

the arbitrator, not a court, to decide. In addition, the following claims or proceedings 

will not be subject to this arbitration agreement: (1) any individual action brought 

by You or us in small claims court or Your state’s equivalent court, unless such action 

is transferred, removed, or appealed to a different court; (2) the exercising of any 

self-help rights, including set-off as described in the paragraph below titled “Right of 

Offset and Security Interest,” or (3) any individual action in court by one party that 

is limited to preventing the other party from using a self- help remedy and that does 

not involve a request for damages or monetary relief of any kind. The institution and/ 

or maintenance of any such right, action or litigation shall not constitute a waiver of 

the right of either of the parties to compel arbitration regarding any other dispute 

subject to arbitration pursuant to this arbitration agreement. Moreover, this arbitration 

agreement will not apply to any Claims that are the subject of (a) a class action 

filed in court that is pending as of the effective date of this arbitration agreement 

in which You are alleged to be a member of the putative class (however, You and we 

will continue to be bound by any prior version of this arbitration agreement), or (b) 

a motion to compel arbitration filed by us against You before the effective date of 

this arbitration agreement pursuant to a prior version of this arbitration agreement 

(however, You and we will continue to be bound by any prior version of this arbitration 

agreement). 

Federal Arbitration Act. Notwithstanding any choice of law or other provision in 

these rules and regulations, the parties agree and acknowledge that this agreement 

evidences a transaction involving interstate commerce and that the Federal Arbitration 

Act (Title 9 of the United States Code) (“FAA”) shall govern its interpretation and 

enforcement and proceedings pursuant thereto. To the extent state law is applicable 

under the FAA, the law of the state governing Your account relationship with us shall 

apply. 

Arbitration Class Action Waiver. Notwithstanding any other provision of these rules 

and regulations, if either You or we elect to arbitrate a Claim, neither You nor we will 

have the right: (a) to participate in a class action, private attorney general action or 

other representative action in court or in arbitration, either as a class representative 

or class member; or (b) to join or consolidate Claims with claims of any other persons. 

No arbitrator shall have authority to conduct any arbitration in violation of this 

provision. (Provided, however, that the Class Action Waiver does not apply to any 

lawsuit or administrative proceeding filed against us by a state or federal government 

agency even when such agency is seeking relief on behalf of a class of borrowers 

including You. This means that we will not have the right to compel arbitration of any 

claim brought by such an agency).

Arbitration Procedures. If You or we elect to arbitrate a Claim, the electing party 

must notify the other party in writing. This notice can be given after the beginning of a 

lawsuit and can be given in papers filed in the lawsuit. Otherwise, Your notice must be

sent to SunTrust Bank Legal Department, Attn: General Counsel- Arbitration Election, 
Mail Code 0643, 303 Peachtree Street, N.E., 9th Floor, Atlanta, Georgia 30308, and 
our notice must be sent to the most recent address for You in our files. Any arbitration 
hearing that You attend must take place in a venue reasonably convenient to You. If a 
party files a lawsuit in court asserting Claim(s) that are subject to arbitration and the 
other party files a motion to compel arbitration with the court which is granted, it will 
be the responsibility of the party prosecuting the Claim(s) to commence the arbitration 
proceeding with an arbitration administrator in accordance with this arbitration 
agreement and the administrator’s rules and procedures. Even if all parties have opted 
to litigate a Claim in court, You or we may elect arbitration with respect to any Claim 
made by a new party or any Claim later asserted by a party in that or any related 
or unrelated lawsuit (including a Claim initially asserted on an individual basis but 
modified to be asserted on a class, representative or multi-party basis). Nothing in that 
litigation shall constitute a waiver of any rights under this arbitration agreement. 
A single arbitrator will be appointed by the administrator and, unless You and us 
agree otherwise, must be a practicing attorney with ten or more years of experience 
or a retired judge. The arbitrator will not be bound by judicial rules of procedure 
and evidence that would apply in a court, nor by state or local laws that relate to 
arbitration provisions or proceedings. The arbitrator will honor and enforce statutes 
of limitation and claims of privilege recognized under applicable law. In determining 
liability or awarding damages or other relief, the arbitrator will follow the applicable 
substantive law, consistent with these rules and regulations and the FAA, that would 
apply if the matter had been brought in court. The arbitrator may award any damages 
or other relief or remedies that would apply under applicable law to an individual 
action brought in court. For Claim(s) that total less than $75,000 and at Your written 
request, we will pay all filing, hearing and/or other fees charged by the administrator 
and arbitrator to You for Claim(s) asserted by You in arbitration after You have paid 
an amount equivalent to the fee, if any, for filing such Claim(s) in state or federal 
court (whichever is less) in the judicial district in which You reside. If You have already 
paid a filing fee for asserting the Claim(s) in court, You will not be required to pay 
that amount again. In addition, the administrator may have a procedure whereby 
You can seek a waiver of fees charged to You by the administrator and arbitrator. 
We will always pay any fees or expenses that we are required to pay by law or the 
administrator’s rules or that we are required to pay for this arbitration agreement 
to be enforced. The arbitrator will have the authority to award attorneys and expert 
witness fees and costs to the extent permitted by either these rules and regulations, 
the administrator’s rules or applicable law. The arbitrator shall award You Your 
reasonable attorneys’ and expert witness fees and costs (a) if and to the extent You 
prevail on Claim(s) You assert against us in an individual arbitration commenced by 
You, or (b) to the extent required under applicable law for this arbitration agreement 
to be enforced. The arbitrator shall write a brief explanation of the grounds for the 
decision. A judgment on the award may be entered by any court having jurisdiction. 
Survival and Severability. This arbitration agreement shall survive the closing of Your 
Account and the termination of any relationship between us, including the termination 
of these rules and regulations. If any part of this arbitration agreement is deemed 
or found to be unenforceable for any reason, the remainder shall be enforceable, 
except that: (a) The parties to these rules and regulations acknowledge that the Class 
Action Waiver is material and essential to the arbitration of any disputes between 
the parties and is non severable from this arbitration agreement. If the Class Action 
Waiver is limited, voided or found unenforceable as to any Claim(s), then the parties’ 
arbitration agreement (except for this sentence) shall be null and void with respect to 
such Claim(s) (but not as to any other Claim(s) that have been or are later brought), 
subject to the right to appeal the limitation or invalidation of the Class Action Waiver. 
The parties acknowledge and agree that under no circumstances will a class action be 
arbitrated; and (b) If a Claim is brought seeking public injunctive relief and a court 
determines that the restrictions in the paragraph titled “Class Action Waiver” or 
elsewhere in this agreement prohibiting the arbitrator from awarding relief on behalf 
of third parties are unenforceable with respect to such Claim (and that determination 
becomes final after all appeals have been exhausted), the Claim for public injunctive 
relief will be determined in court and any individual Claims seeking monetary relief 
will be arbitrated. In such a case the parties will request that the court stay the Claim 
for public injunctive relief until the arbitration award pertaining to individual relief 
has been entered in court. In no event will a Claim for public injunctive relief be 

arbitrated. 

Effect of Arbitration Award. The arbitrator’s award shall be final and binding on all 
parties, except for any right of appeal provided by the FAA. However, if the amount of 
the Claim exceeds $150,000 or involves a request for injunctive or declaratory relief 
that could foreseeably involve a cost or benefit to either party exceeding $150,000, 
any party can, within thirty (30) days after the entry of the award by the arbitrator, 
appeal the award to a three- arbitrator panel administered by the Administrator. The 
panel shall reconsider anew any aspect of the initial award requested by the appealing 
party. The decision of the panel shall be by majority vote. Reference in this arbitration 
provision to “the arbitrator” shall mean the panel if an appeal of the arbitrator’s 
decision has been taken. The costs of such an appeal will be borne in accordance with 
the above paragraph titled “Arbitration Procedures.” Any final decision of the appeal 
panel is subject to judicial review only as provided under the FAA. No arbitration 
award involving the parties will have any preclusive effect as to issues or claims in any 
dispute involving anyone who is not a party to the arbitration, nor will an arbitration 
award in prior disputes involving other parties have preclusive effect in an arbitration 

between the parties to this agreement. 

Notice and Cure; Special Payment. Prior to initiating a Claim, You may give us a 
written Claim Notice describing the basis of Your Claim and the amount You would 
accept in resolution of the Claim, and a reasonable opportunity, not less than thirty 
(30) days, to resolve the Claim. Such a Claim Notice must be sent to us by certified 
mail, return receipt requested, at SunTrust Bank Legal Department, Attn: General 
Counsel- Claim Notice, Mail Code 0643, 303 Peachtree Street, N.E., 9th Floor, Atlanta, 
Georgia 30308. This is the sole and only method by which You can submit a Claim 
Notice. If (i) You submit a Claim Notice in accordance with this Paragraph on Your own 
behalf (and not on behalf of any other party); (ii) You cooperate with us by promptly

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.

All rights reserved. 

SunTrust now Truist, Member FDIC. ©2020 Truist Financial Corporation. SunTrust®,

Truist and the SunTrust logo are service marks of Truist Financial Corporation.         

 
 
 
 
providing the information we reasonably request; (iii) we refuse to provide You with 
the relief You request; and (iv) the matter then proceeds to arbitration and the 
arbitrator subsequently determines that You were entitled to such relief (or greater 
relief), You will be entitled to a minimum award of at least $7,500 (not including any 
arbitration fees and attorneys’ fees and costs to which You will also be entitled). We 
encourage You to address all Claims You have in a single Claim Notice and/or a single 
arbitration. Accordingly, this $7,500 minimum award is a single award that applies to 
all Claims You have asserted or could have asserted in the arbitration, and multiple 

awards of $7,500 are not contemplated. 

Right to Reject Arbitration Agreement. You may reject this arbitration agreement and 
therefore not be subject to being required to resolve any claim, dispute or controversy 
by arbitration. To reject this arbitration agreement, You and only You personally, must 
send us written notice of Your decision so that we receive it at the address listed 
below within forty-five (45) days of the opening of Your Account. Such notice must 
include a statement that You wish to reject the arbitration agreement section of these 
rules and regulations along with Your name, address, Account name, Account number 
and Your signature and must be mailed to the SunTrust Bank Legal Department, Attn: 
Arbitration Rejection, P.O. Box 4418, Mail Code 0643, Atlanta, GA 30302-4418. This 
is the sole and only method by which You can reject this arbitration agreement and 
any attempt to reject this arbitration agreement by any other person or through any 
other method or form of notice, including the filing of a lawsuit, will be ineffective. 
You agree that Your rejection of this arbitration agreement shall not be imputed to any 
other person or entity or be deemed to be a rejection of this arbitration agreement 
by any person or entity other than You. Nor shall Your rejection of this arbitration 
agreement eliminate the obligation of other persons or entities who wish to reject this 
arbitration agreement to personally comply with the notice and time requirements of 
this paragraph. Rejection of this arbitration agreement will not affect any remaining 
terms of these rules and regulations and will not result in any adverse consequence to 
You or Your Account. You agree that our business records will be final and conclusive 
with respect to whether You rejected this arbitration agreement in a timely and proper 
fashion. This arbitration agreement provision will apply to You and us and to Your 
Account unless You reject it by providing proper and timely notice as stated herein.

Your Billing Rights

Keep this notice for future use. It informs You about Your rights and SunTrust’s 
responsibilities under the Fair Credit Billing Act.

What to do if You find a mistake on Your Statement

• If You think there is an error on Your Statement, write SunTrust at:

 ◦ SunTrust Bank 

Cardholder Services, P.O. Box 620548, Orlando, FL 32862-0548 

Attn: Dispute Department

• In Your letter, give SunTrust the following information:

 ◦ Account information: Your name and Account number
 ◦ Dollar amount: The amount of the suspected error
 ◦ Description of problem: If You think there is an error on Your Statement, 
describe what You believe is wrong and why You believe it is a mistake.

• You must contact SunTrust:

 ◦ Within 60 days after the error appeared on Your statement.
 ◦ At least 3 business days before an automated payment is scheduled, if You 

want to stop payment on the amount You think is wrong.

• You must notify SunTrust of any potential errors in writing. You may also call 
SunTrust, but SunTrust is not required to investigate any potential errors and 
You may have to pay the amount in question unless You provide written notice of 

the suspected error.

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 YOU AND WE HAVE AGAINST EACH OTHER ARE RESOLVED. 

YOU HAVE THE RIGHT TO REJECT THIS ARBITRATION AGREEMENT AS SET FORTH 

BELOW. If You do not reject this arbitration agreement, for a Claim subject to 

arbitration, neither You nor we will have the right to: (1) have a court or a jury 

decide the Claim; (2) engage in information-gathering (discovery) to the same 

extent as in court; (3) participate in a class action in court or in arbitration; or (4) 

join or consolidate a Claim with claims of any other person. The right to appeal 

is more limited in arbitration than in court and other rights in court may be 

unavailable or limited in arbitration. 

Claims Subject to Arbitration. A “Claim” subject to arbitration is any claim, dispute 

or controversy between You and us (other than an Excluded Claim or Proceeding 

as set forth below), whether preexisting, present or future, which arises out of or 

relates to the Account, these rules and regulations, any transaction conducted with 

us in connection with the Account or these rules and regulations, or our relationship. 

“Claim” has the broadest possible meaning and includes initial claims, counterclaims, 

cross-claims, third- party claims and federal, state, local and administrative claims. 

It includes disputes based upon contract, tort, consumer rights, fraud and other 

intentional torts, constitution, statute, regulation, ordinance, common law and equity 

and includes claims for money damages and injunctive or declaratory relief. “Claim” 

also includes disputes concerning communications involving telephones, cell phones, 

automatic dialing systems, artificial or prerecorded voice messages, text messages, 

emails or facsimile machines and alleged violations of the Telephone Consumer 

Protection Act and other statutes or regulations involving telemarketing. Upon the 

demand of You or us, Claim(s) will be resolved by individual (not class or class-

wide) binding arbitration in accordance with the terms specified in this arbitration 

agreement. 

Special Definition of “We,” “Us” and “Our.” Solely for purposes of this arbitration 

agreement, the terms “we,” “us” and “our,” in addition to the meanings set forth in 

these rules and regulations, also refer to SunTrust’s employees, officers, directors, 

parents, controlling persons, subsidiaries, affiliates, successors and assigns. “We,” “us” 

and “our” also apply to third parties if You assert a Claim against such third parties in 

connection with a Claim You assert against us. 

Excluded Claim or Proceeding. Notwithstanding the foregoing, “Claim” does not 

include any dispute or controversy about the validity, enforceability, coverage or 

scope of this arbitration agreement or any part thereof (including, without limitation, 

the Class Action Waiver set forth below, this sentence, and/or the last sentence of 

the Survival and Severability paragraph below); all such disputes or controversies are 

for a court and not an arbitrator to decide. However, any dispute or controversy that 

concerns the validity or enforceability of the rules and regulations as a whole is for 

the arbitrator, not a court, to decide. In addition, the following claims or proceedings 

will not be subject to this arbitration agreement: (1) any individual action brought 

by You or us in small claims court or Your state’s equivalent court, unless such action 

is transferred, removed, or appealed to a different court; (2) the exercising of any 

self-help rights, including set-off as described in the paragraph below titled “Right of 

Offset and Security Interest,” or (3) any individual action in court by one party that 

is limited to preventing the other party from using a self- help remedy and that does 

not involve a request for damages or monetary relief of any kind. The institution and/ 

or maintenance of any such right, action or litigation shall not constitute a waiver of 

the right of either of the parties to compel arbitration regarding any other dispute 

subject to arbitration pursuant to this arbitration agreement. Moreover, this arbitration 

agreement will not apply to any Claims that are the subject of (a) a class action 

filed in court that is pending as of the effective date of this arbitration agreement 

in which You are alleged to be a member of the putative class (however, You and we 

will continue to be bound by any prior version of this arbitration agreement), or (b) 

a motion to compel arbitration filed by us against You before the effective date of 

this arbitration agreement pursuant to a prior version of this arbitration agreement 

(however, You and we will continue to be bound by any prior version of this arbitration 

agreement). 

Federal Arbitration Act. Notwithstanding any choice of law or other provision in 

these rules and regulations, the parties agree and acknowledge that this agreement 

evidences a transaction involving interstate commerce and that the Federal Arbitration 

Act (Title 9 of the United States Code) (“FAA”) shall govern its interpretation and 

enforcement and proceedings pursuant thereto. To the extent state law is applicable 

under the FAA, the law of the state governing Your account relationship with us shall 

apply. 

Arbitration Class Action Waiver. Notwithstanding any other provision of these rules 

and regulations, if either You or we elect to arbitrate a Claim, neither You nor we will 

have the right: (a) to participate in a class action, private attorney general action or 

other representative action in court or in arbitration, either as a class representative 

or class member; or (b) to join or consolidate Claims with claims of any other persons. 

No arbitrator shall have authority to conduct any arbitration in violation of this 

provision. (Provided, however, that the Class Action Waiver does not apply to any 

lawsuit or administrative proceeding filed against us by a state or federal government 

agency even when such agency is seeking relief on behalf of a class of borrowers 

including You. This means that we will not have the right to compel arbitration of any 

claim brought by such an agency).

Arbitration Procedures. If You or we elect to arbitrate a Claim, the electing party 

must notify the other party in writing. This notice can be given after the beginning of a 

lawsuit and can be given in papers filed in the lawsuit. Otherwise, Your notice must be

sent to SunTrust Bank Legal Department, Attn: General Counsel- Arbitration Election, 

Mail Code 0643, 303 Peachtree Street, N.E., 9th Floor, Atlanta, Georgia 30308, and 

our notice must be sent to the most recent address for You in our files. Any arbitration 

hearing that You attend must take place in a venue reasonably convenient to You. If a 

party files a lawsuit in court asserting Claim(s) that are subject to arbitration and the 

other party files a motion to compel arbitration with the court which is granted, it will 

be the responsibility of the party prosecuting the Claim(s) to commence the arbitration 

proceeding with an arbitration administrator in accordance with this arbitration 

agreement and the administrator’s rules and procedures. Even if all parties have opted 

to litigate a Claim in court, You or we may elect arbitration with respect to any Claim 

made by a new party or any Claim later asserted by a party in that or any related 

or unrelated lawsuit (including a Claim initially asserted on an individual basis but 

modified to be asserted on a class, representative or multi-party basis). Nothing in that 

litigation shall constitute a waiver of any rights under this arbitration agreement. 

A single arbitrator will be appointed by the administrator and, unless You and us 

agree otherwise, must be a practicing attorney with ten or more years of experience 

or a retired judge. The arbitrator will not be bound by judicial rules of procedure 

and evidence that would apply in a court, nor by state or local laws that relate to 

arbitration provisions or proceedings. The arbitrator will honor and enforce statutes 

of limitation and claims of privilege recognized under applicable law. In determining 

liability or awarding damages or other relief, the arbitrator will follow the applicable 

substantive law, consistent with these rules and regulations and the FAA, that would 

apply if the matter had been brought in court. The arbitrator may award any damages 

or other relief or remedies that would apply under applicable law to an individual 

action brought in court. For Claim(s) that total less than $75,000 and at Your written 

request, we will pay all filing, hearing and/or other fees charged by the administrator 

and arbitrator to You for Claim(s) asserted by You in arbitration after You have paid 

an amount equivalent to the fee, if any, for filing such Claim(s) in state or federal 

court (whichever is less) in the judicial district in which You reside. If You have already 

paid a filing fee for asserting the Claim(s) in court, You will not be required to pay 

that amount again. In addition, the administrator may have a procedure whereby 

You can seek a waiver of fees charged to You by the administrator and arbitrator. 

We will always pay any fees or expenses that we are required to pay by law or the 

administrator’s rules or that we are required to pay for this arbitration agreement 

to be enforced. The arbitrator will have the authority to award attorneys and expert 

witness fees and costs to the extent permitted by either these rules and regulations, 

the administrator’s rules or applicable law. The arbitrator shall award You Your 

reasonable attorneys’ and expert witness fees and costs (a) if and to the extent You 

prevail on Claim(s) You assert against us in an individual arbitration commenced by 

You, or (b) to the extent required under applicable law for this arbitration agreement 

to be enforced. The arbitrator shall write a brief explanation of the grounds for the 

decision. A judgment on the award may be entered by any court having jurisdiction. 

Survival and Severability. This arbitration agreement shall survive the closing of Your 

Account and the termination of any relationship between us, including the termination 

of these rules and regulations. If any part of this arbitration agreement is deemed 

or found to be unenforceable for any reason, the remainder shall be enforceable, 

except that: (a) The parties to these rules and regulations acknowledge that the Class 

Action Waiver is material and essential to the arbitration of any disputes between 

the parties and is non severable from this arbitration agreement. If the Class Action 

Waiver is limited, voided or found unenforceable as to any Claim(s), then the parties’ 

arbitration agreement (except for this sentence) shall be null and void with respect to 

such Claim(s) (but not as to any other Claim(s) that have been or are later brought), 

subject to the right to appeal the limitation or invalidation of the Class Action Waiver. 

The parties acknowledge and agree that under no circumstances will a class action be 

arbitrated; and (b) If a Claim is brought seeking public injunctive relief and a court 

determines that the restrictions in the paragraph titled “Class Action Waiver” or 

elsewhere in this agreement prohibiting the arbitrator from awarding relief on behalf 

of third parties are unenforceable with respect to such Claim (and that determination 

becomes final after all appeals have been exhausted), the Claim for public injunctive 

relief will be determined in court and any individual Claims seeking monetary relief 

will be arbitrated. In such a case the parties will request that the court stay the Claim 

for public injunctive relief until the arbitration award pertaining to individual relief 

has been entered in court. In no event will a Claim for public injunctive relief be 

arbitrated. 

Effect of Arbitration Award. The arbitrator’s award shall be final and binding on all 

parties, except for any right of appeal provided by the FAA. However, if the amount of 

the Claim exceeds $150,000 or involves a request for injunctive or declaratory relief 

that could foreseeably involve a cost or benefit to either party exceeding $150,000, 

any party can, within thirty (30) days after the entry of the award by the arbitrator, 

appeal the award to a three- arbitrator panel administered by the Administrator. The 

panel shall reconsider anew any aspect of the initial award requested by the appealing 

party. The decision of the panel shall be by majority vote. Reference in this arbitration 

provision to “the arbitrator” shall mean the panel if an appeal of the arbitrator’s 

decision has been taken. The costs of such an appeal will be borne in accordance with 

the above paragraph titled “Arbitration Procedures.” Any final decision of the appeal 

panel is subject to judicial review only as provided under the FAA. No arbitration 

award involving the parties will have any preclusive effect as to issues or claims in any 

dispute involving anyone who is not a party to the arbitration, nor will an arbitration 

award in prior disputes involving other parties have preclusive effect in an arbitration 

between the parties to this agreement. 

Notice and Cure; Special Payment. Prior to initiating a Claim, You may give us a 

written Claim Notice describing the basis of Your Claim and the amount You would 

accept in resolution of the Claim, and a reasonable opportunity, not less than thirty 

(30) days, to resolve the Claim. Such a Claim Notice must be sent to us by certified 

mail, return receipt requested, at SunTrust Bank Legal Department, Attn: General 

Counsel- Claim Notice, Mail Code 0643, 303 Peachtree Street, N.E., 9th Floor, Atlanta, 

Georgia 30308. This is the sole and only method by which You can submit a Claim 

Notice. If (i) You submit a Claim Notice in accordance with this Paragraph on Your own 

behalf (and not on behalf of any other party); (ii) You cooperate with us by promptly

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.

All rights reserved. 

SunTrust now Truist, Member FDIC. ©2020 Truist Financial Corporation. SunTrust®,

Truist and the SunTrust logo are service marks of Truist Financial Corporation.         

 
 
 
 
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 YOU AND WE HAVE AGAINST EACH OTHER ARE RESOLVED. 

YOU HAVE THE RIGHT TO REJECT THIS ARBITRATION AGREEMENT AS SET FORTH 

BELOW. If You do not reject this arbitration agreement, for a Claim subject to 

arbitration, neither You nor we will have the right to: (1) have a court or a jury 

decide the Claim; (2) engage in information-gathering (discovery) to the same 

extent as in court; (3) participate in a class action in court or in arbitration; or (4) 

join or consolidate a Claim with claims of any other person. The right to appeal 

is more limited in arbitration than in court and other rights in court may be 

unavailable or limited in arbitration. 

Claims Subject to Arbitration. A “Claim” subject to arbitration is any claim, dispute 

or controversy between You and us (other than an Excluded Claim or Proceeding 

as set forth below), whether preexisting, present or future, which arises out of or 

relates to the Account, these rules and regulations, any transaction conducted with 

us in connection with the Account or these rules and regulations, or our relationship. 

“Claim” has the broadest possible meaning and includes initial claims, counterclaims, 

cross-claims, third- party claims and federal, state, local and administrative claims. 

It includes disputes based upon contract, tort, consumer rights, fraud and other 

intentional torts, constitution, statute, regulation, ordinance, common law and equity 

and includes claims for money damages and injunctive or declaratory relief. “Claim” 

also includes disputes concerning communications involving telephones, cell phones, 

automatic dialing systems, artificial or prerecorded voice messages, text messages, 

emails or facsimile machines and alleged violations of the Telephone Consumer 

Protection Act and other statutes or regulations involving telemarketing. Upon the 

demand of You or us, Claim(s) will be resolved by individual (not class or class-

wide) binding arbitration in accordance with the terms specified in this arbitration 

agreement. 

Special Definition of “We,” “Us” and “Our.” Solely for purposes of this arbitration 

agreement, the terms “we,” “us” and “our,” in addition to the meanings set forth in 

these rules and regulations, also refer to SunTrust’s employees, officers, directors, 

parents, controlling persons, subsidiaries, affiliates, successors and assigns. “We,” “us” 

and “our” also apply to third parties if You assert a Claim against such third parties in 

connection with a Claim You assert against us. 

Excluded Claim or Proceeding. Notwithstanding the foregoing, “Claim” does not 

include any dispute or controversy about the validity, enforceability, coverage or 

scope of this arbitration agreement or any part thereof (including, without limitation, 

the Class Action Waiver set forth below, this sentence, and/or the last sentence of 

the Survival and Severability paragraph below); all such disputes or controversies are 

for a court and not an arbitrator to decide. However, any dispute or controversy that 

concerns the validity or enforceability of the rules and regulations as a whole is for 

the arbitrator, not a court, to decide. In addition, the following claims or proceedings 

will not be subject to this arbitration agreement: (1) any individual action brought 

by You or us in small claims court or Your state’s equivalent court, unless such action 

is transferred, removed, or appealed to a different court; (2) the exercising of any 

self-help rights, including set-off as described in the paragraph below titled “Right of 

Offset and Security Interest,” or (3) any individual action in court by one party that 

is limited to preventing the other party from using a self- help remedy and that does 

not involve a request for damages or monetary relief of any kind. The institution and/ 

or maintenance of any such right, action or litigation shall not constitute a waiver of 

the right of either of the parties to compel arbitration regarding any other dispute 

subject to arbitration pursuant to this arbitration agreement. Moreover, this arbitration 

agreement will not apply to any Claims that are the subject of (a) a class action 

filed in court that is pending as of the effective date of this arbitration agreement 

in which You are alleged to be a member of the putative class (however, You and we 

will continue to be bound by any prior version of this arbitration agreement), or (b) 

a motion to compel arbitration filed by us against You before the effective date of 

this arbitration agreement pursuant to a prior version of this arbitration agreement 

(however, You and we will continue to be bound by any prior version of this arbitration 

agreement). 

Federal Arbitration Act. Notwithstanding any choice of law or other provision in 

these rules and regulations, the parties agree and acknowledge that this agreement 

evidences a transaction involving interstate commerce and that the Federal Arbitration 

Act (Title 9 of the United States Code) (“FAA”) shall govern its interpretation and 

enforcement and proceedings pursuant thereto. To the extent state law is applicable 

under the FAA, the law of the state governing Your account relationship with us shall 

apply. 

Arbitration Class Action Waiver. Notwithstanding any other provision of these rules 

and regulations, if either You or we elect to arbitrate a Claim, neither You nor we will 

have the right: (a) to participate in a class action, private attorney general action or 

other representative action in court or in arbitration, either as a class representative 

or class member; or (b) to join or consolidate Claims with claims of any other persons. 

No arbitrator shall have authority to conduct any arbitration in violation of this 

provision. (Provided, however, that the Class Action Waiver does not apply to any 

lawsuit or administrative proceeding filed against us by a state or federal government 

agency even when such agency is seeking relief on behalf of a class of borrowers 

including You. This means that we will not have the right to compel arbitration of any 

claim brought by such an agency).

Arbitration Procedures. If You or we elect to arbitrate a Claim, the electing party 

must notify the other party in writing. This notice can be given after the beginning of a 

lawsuit and can be given in papers filed in the lawsuit. Otherwise, Your notice must be

sent to SunTrust Bank Legal Department, Attn: General Counsel- Arbitration Election, 

Mail Code 0643, 303 Peachtree Street, N.E., 9th Floor, Atlanta, Georgia 30308, and 

our notice must be sent to the most recent address for You in our files. Any arbitration 

hearing that You attend must take place in a venue reasonably convenient to You. If a 

party files a lawsuit in court asserting Claim(s) that are subject to arbitration and the 

other party files a motion to compel arbitration with the court which is granted, it will 

be the responsibility of the party prosecuting the Claim(s) to commence the arbitration 

proceeding with an arbitration administrator in accordance with this arbitration 

agreement and the administrator’s rules and procedures. Even if all parties have opted 

to litigate a Claim in court, You or we may elect arbitration with respect to any Claim 

made by a new party or any Claim later asserted by a party in that or any related 

or unrelated lawsuit (including a Claim initially asserted on an individual basis but 

modified to be asserted on a class, representative or multi-party basis). Nothing in that 

litigation shall constitute a waiver of any rights under this arbitration agreement. 

A single arbitrator will be appointed by the administrator and, unless You and us 

agree otherwise, must be a practicing attorney with ten or more years of experience 

or a retired judge. The arbitrator will not be bound by judicial rules of procedure 

and evidence that would apply in a court, nor by state or local laws that relate to 

arbitration provisions or proceedings. The arbitrator will honor and enforce statutes 

of limitation and claims of privilege recognized under applicable law. In determining 

liability or awarding damages or other relief, the arbitrator will follow the applicable 

substantive law, consistent with these rules and regulations and the FAA, that would 

apply if the matter had been brought in court. The arbitrator may award any damages 

or other relief or remedies that would apply under applicable law to an individual 

action brought in court. For Claim(s) that total less than $75,000 and at Your written 

request, we will pay all filing, hearing and/or other fees charged by the administrator 

and arbitrator to You for Claim(s) asserted by You in arbitration after You have paid 

an amount equivalent to the fee, if any, for filing such Claim(s) in state or federal 

court (whichever is less) in the judicial district in which You reside. If You have already 

paid a filing fee for asserting the Claim(s) in court, You will not be required to pay 

that amount again. In addition, the administrator may have a procedure whereby 

You can seek a waiver of fees charged to You by the administrator and arbitrator. 

We will always pay any fees or expenses that we are required to pay by law or the 

administrator’s rules or that we are required to pay for this arbitration agreement 

to be enforced. The arbitrator will have the authority to award attorneys and expert 

witness fees and costs to the extent permitted by either these rules and regulations, 

the administrator’s rules or applicable law. The arbitrator shall award You Your 

reasonable attorneys’ and expert witness fees and costs (a) if and to the extent You 

prevail on Claim(s) You assert against us in an individual arbitration commenced by 

You, or (b) to the extent required under applicable law for this arbitration agreement 

to be enforced. The arbitrator shall write a brief explanation of the grounds for the 

decision. A judgment on the award may be entered by any court having jurisdiction. 

Survival and Severability. This arbitration agreement shall survive the closing of Your 

Account and the termination of any relationship between us, including the termination 

of these rules and regulations. If any part of this arbitration agreement is deemed 

or found to be unenforceable for any reason, the remainder shall be enforceable, 

except that: (a) The parties to these rules and regulations acknowledge that the Class 

Action Waiver is material and essential to the arbitration of any disputes between 

the parties and is non severable from this arbitration agreement. If the Class Action 

Waiver is limited, voided or found unenforceable as to any Claim(s), then the parties’ 

arbitration agreement (except for this sentence) shall be null and void with respect to 

such Claim(s) (but not as to any other Claim(s) that have been or are later brought), 

subject to the right to appeal the limitation or invalidation of the Class Action Waiver. 

The parties acknowledge and agree that under no circumstances will a class action be 

arbitrated; and (b) If a Claim is brought seeking public injunctive relief and a court 

determines that the restrictions in the paragraph titled “Class Action Waiver” or 

elsewhere in this agreement prohibiting the arbitrator from awarding relief on behalf 

of third parties are unenforceable with respect to such Claim (and that determination 

becomes final after all appeals have been exhausted), the Claim for public injunctive 

relief will be determined in court and any individual Claims seeking monetary relief 

will be arbitrated. In such a case the parties will request that the court stay the Claim 

for public injunctive relief until the arbitration award pertaining to individual relief 

has been entered in court. In no event will a Claim for public injunctive relief be 

arbitrated. 

Effect of Arbitration Award. The arbitrator’s award shall be final and binding on all 

parties, except for any right of appeal provided by the FAA. However, if the amount of 

the Claim exceeds $150,000 or involves a request for injunctive or declaratory relief 

that could foreseeably involve a cost or benefit to either party exceeding $150,000, 

any party can, within thirty (30) days after the entry of the award by the arbitrator, 

appeal the award to a three- arbitrator panel administered by the Administrator. The 

panel shall reconsider anew any aspect of the initial award requested by the appealing 

party. The decision of the panel shall be by majority vote. Reference in this arbitration 

provision to “the arbitrator” shall mean the panel if an appeal of the arbitrator’s 

decision has been taken. The costs of such an appeal will be borne in accordance with 

the above paragraph titled “Arbitration Procedures.” Any final decision of the appeal 

panel is subject to judicial review only as provided under the FAA. No arbitration 

award involving the parties will have any preclusive effect as to issues or claims in any 

dispute involving anyone who is not a party to the arbitration, nor will an arbitration 

award in prior disputes involving other parties have preclusive effect in an arbitration 

between the parties to this agreement. 

Notice and Cure; Special Payment. Prior to initiating a Claim, You may give us a 

written Claim Notice describing the basis of Your Claim and the amount You would 

accept in resolution of the Claim, and a reasonable opportunity, not less than thirty 

(30) days, to resolve the Claim. Such a Claim Notice must be sent to us by certified 

mail, return receipt requested, at SunTrust Bank Legal Department, Attn: General 

Counsel- Claim Notice, Mail Code 0643, 303 Peachtree Street, N.E., 9th Floor, Atlanta, 

Georgia 30308. This is the sole and only method by which You can submit a Claim 

Notice. If (i) You submit a Claim Notice in accordance with this Paragraph on Your own 

behalf (and not on behalf of any other party); (ii) You cooperate with us by promptly

providing the information we reasonably request; (iii) we refuse to provide You with 

the relief You request; and (iv) the matter then proceeds to arbitration and the 

arbitrator subsequently determines that You were entitled to such relief (or greater 

relief), You will be entitled to a minimum award of at least $7,500 (not including any 

arbitration fees and attorneys’ fees and costs to which You will also be entitled). We 

encourage You to address all Claims You have in a single Claim Notice and/or a single 

arbitration. Accordingly, this $7,500 minimum award is a single award that applies to 

all Claims You have asserted or could have asserted in the arbitration, and multiple 

awards of $7,500 are not contemplated. 

Right to Reject Arbitration Agreement. You may reject this arbitration agreement and 

therefore not be subject to being required to resolve any claim, dispute or controversy 

by arbitration. To reject this arbitration agreement, You and only You personally, must 

send us written notice of Your decision so that we receive it at the address listed 

below within forty-five (45) days of the opening of Your Account. Such notice must 

include a statement that You wish to reject the arbitration agreement section of these 

rules and regulations along with Your name, address, Account name, Account number 

and Your signature and must be mailed to the SunTrust Bank Legal Department, Attn: 

Arbitration Rejection, P.O. Box 4418, Mail Code 0643, Atlanta, GA 30302-4418. This 

is the sole and only method by which You can reject this arbitration agreement and 

any attempt to reject this arbitration agreement by any other person or through any 

other method or form of notice, including the filing of a lawsuit, will be ineffective. 

You agree that Your rejection of this arbitration agreement shall not be imputed to any 

other person or entity or be deemed to be a rejection of this arbitration agreement 

by any person or entity other than You. Nor shall Your rejection of this arbitration 

agreement eliminate the obligation of other persons or entities who wish to reject this 

arbitration agreement to personally comply with the notice and time requirements of 

this paragraph. Rejection of this arbitration agreement will not affect any remaining 

terms of these rules and regulations and will not result in any adverse consequence to 

You or Your Account. You agree that our business records will be final and conclusive 

with respect to whether You rejected this arbitration agreement in a timely and proper 

fashion. This arbitration agreement provision will apply to You and us and to Your 

Account unless You reject it by providing proper and timely notice as stated herein.

Your Billing Rights

Keep this notice for future use. It informs You about Your rights and SunTrust’s 

responsibilities under the Fair Credit Billing Act.

What to do if You find a mistake on Your Statement

• If You think there is an error on Your Statement, write SunTrust at:

 ◦ SunTrust Bank 

Cardholder Services, P.O. Box 620548, Orlando, FL 32862-0548 

Attn: Dispute Department

• In Your letter, give SunTrust the following information:

 ◦ Account information: Your name and Account number

 ◦ Dollar amount: The amount of the suspected error

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 

 ◦ Within 60 days after the error appeared on Your statement.

 ◦ You must not yet have fully paid for the Purchase.

 ◦ At least 3 business days before an automated payment is scheduled, if You 

• 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.

 ◦ 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:

qualify.

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.

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.

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).

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.

1The Personal Deposit Account Fee Schedule is accessible at https://www.

suntrust.com/Static/Documents/Personal_Banking/Deposit_Account_Disclosures/

FSRETAILE.pdf.

All rights reserved. 

SunTrust now Truist, Member FDIC. ©2020 Truist Financial Corporation. SunTrust®,

Truist and the SunTrust logo are service marks of Truist Financial Corporation.         

 
 
 
 
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 YOU AND WE HAVE AGAINST EACH OTHER ARE RESOLVED. 

YOU HAVE THE RIGHT TO REJECT THIS ARBITRATION AGREEMENT AS SET FORTH 

BELOW. If You do not reject this arbitration agreement, for a Claim subject to 

arbitration, neither You nor we will have the right to: (1) have a court or a jury 

decide the Claim; (2) engage in information-gathering (discovery) to the same 

extent as in court; (3) participate in a class action in court or in arbitration; or (4) 

join or consolidate a Claim with claims of any other person. The right to appeal 

is more limited in arbitration than in court and other rights in court may be 

unavailable or limited in arbitration. 

Claims Subject to Arbitration. A “Claim” subject to arbitration is any claim, dispute 

or controversy between You and us (other than an Excluded Claim or Proceeding 

as set forth below), whether preexisting, present or future, which arises out of or 

relates to the Account, these rules and regulations, any transaction conducted with 

us in connection with the Account or these rules and regulations, or our relationship. 

“Claim” has the broadest possible meaning and includes initial claims, counterclaims, 

cross-claims, third- party claims and federal, state, local and administrative claims. 

It includes disputes based upon contract, tort, consumer rights, fraud and other 

intentional torts, constitution, statute, regulation, ordinance, common law and equity 

and includes claims for money damages and injunctive or declaratory relief. “Claim” 

also includes disputes concerning communications involving telephones, cell phones, 

automatic dialing systems, artificial or prerecorded voice messages, text messages, 

emails or facsimile machines and alleged violations of the Telephone Consumer 

Protection Act and other statutes or regulations involving telemarketing. Upon the 

demand of You or us, Claim(s) will be resolved by individual (not class or class-

wide) binding arbitration in accordance with the terms specified in this arbitration 

agreement. 

Special Definition of “We,” “Us” and “Our.” Solely for purposes of this arbitration 

agreement, the terms “we,” “us” and “our,” in addition to the meanings set forth in 

these rules and regulations, also refer to SunTrust’s employees, officers, directors, 

parents, controlling persons, subsidiaries, affiliates, successors and assigns. “We,” “us” 

and “our” also apply to third parties if You assert a Claim against such third parties in 

connection with a Claim You assert against us. 

Excluded Claim or Proceeding. Notwithstanding the foregoing, “Claim” does not 

include any dispute or controversy about the validity, enforceability, coverage or 

scope of this arbitration agreement or any part thereof (including, without limitation, 

the Class Action Waiver set forth below, this sentence, and/or the last sentence of 

the Survival and Severability paragraph below); all such disputes or controversies are 

for a court and not an arbitrator to decide. However, any dispute or controversy that 

concerns the validity or enforceability of the rules and regulations as a whole is for 

the arbitrator, not a court, to decide. In addition, the following claims or proceedings 

will not be subject to this arbitration agreement: (1) any individual action brought 

by You or us in small claims court or Your state’s equivalent court, unless such action 

is transferred, removed, or appealed to a different court; (2) the exercising of any 

self-help rights, including set-off as described in the paragraph below titled “Right of 

Offset and Security Interest,” or (3) any individual action in court by one party that 

is limited to preventing the other party from using a self- help remedy and that does 

not involve a request for damages or monetary relief of any kind. The institution and/ 

or maintenance of any such right, action or litigation shall not constitute a waiver of 

the right of either of the parties to compel arbitration regarding any other dispute 

subject to arbitration pursuant to this arbitration agreement. Moreover, this arbitration 

agreement will not apply to any Claims that are the subject of (a) a class action 

filed in court that is pending as of the effective date of this arbitration agreement 

in which You are alleged to be a member of the putative class (however, You and we 

will continue to be bound by any prior version of this arbitration agreement), or (b) 

a motion to compel arbitration filed by us against You before the effective date of 

this arbitration agreement pursuant to a prior version of this arbitration agreement 

(however, You and we will continue to be bound by any prior version of this arbitration 

agreement). 

Federal Arbitration Act. Notwithstanding any choice of law or other provision in 

these rules and regulations, the parties agree and acknowledge that this agreement 

evidences a transaction involving interstate commerce and that the Federal Arbitration 

Act (Title 9 of the United States Code) (“FAA”) shall govern its interpretation and 

enforcement and proceedings pursuant thereto. To the extent state law is applicable 

under the FAA, the law of the state governing Your account relationship with us shall 

apply. 

Arbitration Class Action Waiver. Notwithstanding any other provision of these rules 

and regulations, if either You or we elect to arbitrate a Claim, neither You nor we will 

have the right: (a) to participate in a class action, private attorney general action or 

other representative action in court or in arbitration, either as a class representative 

or class member; or (b) to join or consolidate Claims with claims of any other persons. 

No arbitrator shall have authority to conduct any arbitration in violation of this 

provision. (Provided, however, that the Class Action Waiver does not apply to any 

lawsuit or administrative proceeding filed against us by a state or federal government 

agency even when such agency is seeking relief on behalf of a class of borrowers 

including You. This means that we will not have the right to compel arbitration of any 

claim brought by such an agency).

Arbitration Procedures. If You or we elect to arbitrate a Claim, the electing party 

must notify the other party in writing. This notice can be given after the beginning of a 

lawsuit and can be given in papers filed in the lawsuit. Otherwise, Your notice must be

sent to SunTrust Bank Legal Department, Attn: General Counsel- Arbitration Election, 

Mail Code 0643, 303 Peachtree Street, N.E., 9th Floor, Atlanta, Georgia 30308, and 

our notice must be sent to the most recent address for You in our files. Any arbitration 

hearing that You attend must take place in a venue reasonably convenient to You. If a 

party files a lawsuit in court asserting Claim(s) that are subject to arbitration and the 

other party files a motion to compel arbitration with the court which is granted, it will 

be the responsibility of the party prosecuting the Claim(s) to commence the arbitration 

proceeding with an arbitration administrator in accordance with this arbitration 

agreement and the administrator’s rules and procedures. Even if all parties have opted 

to litigate a Claim in court, You or we may elect arbitration with respect to any Claim 

made by a new party or any Claim later asserted by a party in that or any related 

or unrelated lawsuit (including a Claim initially asserted on an individual basis but 

modified to be asserted on a class, representative or multi-party basis). Nothing in that 

litigation shall constitute a waiver of any rights under this arbitration agreement. 

A single arbitrator will be appointed by the administrator and, unless You and us 

agree otherwise, must be a practicing attorney with ten or more years of experience 

or a retired judge. The arbitrator will not be bound by judicial rules of procedure 

and evidence that would apply in a court, nor by state or local laws that relate to 

arbitration provisions or proceedings. The arbitrator will honor and enforce statutes 

of limitation and claims of privilege recognized under applicable law. In determining 

liability or awarding damages or other relief, the arbitrator will follow the applicable 

substantive law, consistent with these rules and regulations and the FAA, that would 

apply if the matter had been brought in court. The arbitrator may award any damages 

or other relief or remedies that would apply under applicable law to an individual 

action brought in court. For Claim(s) that total less than $75,000 and at Your written 

request, we will pay all filing, hearing and/or other fees charged by the administrator 

and arbitrator to You for Claim(s) asserted by You in arbitration after You have paid 

an amount equivalent to the fee, if any, for filing such Claim(s) in state or federal 

court (whichever is less) in the judicial district in which You reside. If You have already 

paid a filing fee for asserting the Claim(s) in court, You will not be required to pay 

that amount again. In addition, the administrator may have a procedure whereby 

You can seek a waiver of fees charged to You by the administrator and arbitrator. 

We will always pay any fees or expenses that we are required to pay by law or the 

administrator’s rules or that we are required to pay for this arbitration agreement 

to be enforced. The arbitrator will have the authority to award attorneys and expert 

witness fees and costs to the extent permitted by either these rules and regulations, 

the administrator’s rules or applicable law. The arbitrator shall award You Your 

reasonable attorneys’ and expert witness fees and costs (a) if and to the extent You 

prevail on Claim(s) You assert against us in an individual arbitration commenced by 

You, or (b) to the extent required under applicable law for this arbitration agreement 

to be enforced. The arbitrator shall write a brief explanation of the grounds for the 

decision. A judgment on the award may be entered by any court having jurisdiction. 

Survival and Severability. This arbitration agreement shall survive the closing of Your 

Account and the termination of any relationship between us, including the termination 

of these rules and regulations. If any part of this arbitration agreement is deemed 

or found to be unenforceable for any reason, the remainder shall be enforceable, 

except that: (a) The parties to these rules and regulations acknowledge that the Class 

Action Waiver is material and essential to the arbitration of any disputes between 

the parties and is non severable from this arbitration agreement. If the Class Action 

Waiver is limited, voided or found unenforceable as to any Claim(s), then the parties’ 

arbitration agreement (except for this sentence) shall be null and void with respect to 

such Claim(s) (but not as to any other Claim(s) that have been or are later brought), 

subject to the right to appeal the limitation or invalidation of the Class Action Waiver. 

The parties acknowledge and agree that under no circumstances will a class action be 

arbitrated; and (b) If a Claim is brought seeking public injunctive relief and a court 

determines that the restrictions in the paragraph titled “Class Action Waiver” or 

elsewhere in this agreement prohibiting the arbitrator from awarding relief on behalf 

of third parties are unenforceable with respect to such Claim (and that determination 

becomes final after all appeals have been exhausted), the Claim for public injunctive 

relief will be determined in court and any individual Claims seeking monetary relief 

will be arbitrated. In such a case the parties will request that the court stay the Claim 

for public injunctive relief until the arbitration award pertaining to individual relief 

has been entered in court. In no event will a Claim for public injunctive relief be 

arbitrated. 

Effect of Arbitration Award. The arbitrator’s award shall be final and binding on all 

parties, except for any right of appeal provided by the FAA. However, if the amount of 

the Claim exceeds $150,000 or involves a request for injunctive or declaratory relief 

that could foreseeably involve a cost or benefit to either party exceeding $150,000, 

any party can, within thirty (30) days after the entry of the award by the arbitrator, 

appeal the award to a three- arbitrator panel administered by the Administrator. The 

panel shall reconsider anew any aspect of the initial award requested by the appealing 

party. The decision of the panel shall be by majority vote. Reference in this arbitration 

provision to “the arbitrator” shall mean the panel if an appeal of the arbitrator’s 

decision has been taken. The costs of such an appeal will be borne in accordance with 

the above paragraph titled “Arbitration Procedures.” Any final decision of the appeal 

panel is subject to judicial review only as provided under the FAA. No arbitration 

award involving the parties will have any preclusive effect as to issues or claims in any 

dispute involving anyone who is not a party to the arbitration, nor will an arbitration 

award in prior disputes involving other parties have preclusive effect in an arbitration 

between the parties to this agreement. 

Notice and Cure; Special Payment. Prior to initiating a Claim, You may give us a 

written Claim Notice describing the basis of Your Claim and the amount You would 

accept in resolution of the Claim, and a reasonable opportunity, not less than thirty 

(30) days, to resolve the Claim. Such a Claim Notice must be sent to us by certified 

mail, return receipt requested, at SunTrust Bank Legal Department, Attn: General 

Counsel- Claim Notice, Mail Code 0643, 303 Peachtree Street, N.E., 9th Floor, Atlanta, 

Georgia 30308. This is the sole and only method by which You can submit a Claim 

Notice. If (i) You submit a Claim Notice in accordance with this Paragraph on Your own 

behalf (and not on behalf of any other party); (ii) You cooperate with us by promptly

providing the information we reasonably request; (iii) we refuse to provide You with 

the relief You request; and (iv) the matter then proceeds to arbitration and the 

arbitrator subsequently determines that You were entitled to such relief (or greater 

relief), You will be entitled to a minimum award of at least $7,500 (not including any 

arbitration fees and attorneys’ fees and costs to which You will also be entitled). We 

encourage You to address all Claims You have in a single Claim Notice and/or a single 

arbitration. Accordingly, this $7,500 minimum award is a single award that applies to 

all Claims You have asserted or could have asserted in the arbitration, and multiple 

awards of $7,500 are not contemplated. 

Right to Reject Arbitration Agreement. You may reject this arbitration agreement and 

therefore not be subject to being required to resolve any claim, dispute or controversy 

by arbitration. To reject this arbitration agreement, You and only You personally, must 

send us written notice of Your decision so that we receive it at the address listed 

below within forty-five (45) days of the opening of Your Account. Such notice must 

include a statement that You wish to reject the arbitration agreement section of these 

rules and regulations along with Your name, address, Account name, Account number 

and Your signature and must be mailed to the SunTrust Bank Legal Department, Attn: 

Arbitration Rejection, P.O. Box 4418, Mail Code 0643, Atlanta, GA 30302-4418. This 

is the sole and only method by which You can reject this arbitration agreement and 

any attempt to reject this arbitration agreement by any other person or through any 

other method or form of notice, including the filing of a lawsuit, will be ineffective. 

You agree that Your rejection of this arbitration agreement shall not be imputed to any 

other person or entity or be deemed to be a rejection of this arbitration agreement 

by any person or entity other than You. Nor shall Your rejection of this arbitration 

agreement eliminate the obligation of other persons or entities who wish to reject this 

arbitration agreement to personally comply with the notice and time requirements of 

this paragraph. Rejection of this arbitration agreement will not affect any remaining 

terms of these rules and regulations and will not result in any adverse consequence to 

You or Your Account. You agree that our business records will be final and conclusive 

with respect to whether You rejected this arbitration agreement in a timely and proper 

fashion. This arbitration agreement provision will apply to You and us and to Your 

Account unless You reject it by providing proper and timely notice as stated herein.

Your Billing Rights

Keep this notice for future use. It informs You about Your rights and SunTrust’s 

responsibilities under the Fair Credit Billing Act.

What to do if You find a mistake on Your Statement

• If You think there is an error on Your Statement, write SunTrust at:

 ◦ SunTrust Bank 

Cardholder Services, P.O. Box 620548, Orlando, FL 32862-0548 

Attn: Dispute Department

• In Your letter, give SunTrust the following information:

 ◦ Account information: Your name and Account number

 ◦ Dollar amount: The amount of the suspected error

 ◦ Description of problem: If You think there is an error on Your Statement, 

describe what You believe is wrong and why You believe it is a mistake.

• You must contact SunTrust:

qualify.

 ◦ Within 60 days after the error appeared on Your statement.

 ◦ You must not yet have fully paid for the Purchase.

 ◦ At least 3 business days before an automated payment is scheduled, if You 

• If all of the criteria above are met and You are still dissatisfied with the 

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 

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.

All rights reserved. 

SunTrust now Truist, Member FDIC. ©2020 Truist Financial Corporation. SunTrust®,

Truist and the SunTrust logo are service marks of Truist Financial Corporation.         

 
 
 
 
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 YOU AND WE HAVE AGAINST EACH OTHER ARE RESOLVED. 

YOU HAVE THE RIGHT TO REJECT THIS ARBITRATION AGREEMENT AS SET FORTH 

BELOW. If You do not reject this arbitration agreement, for a Claim subject to 

arbitration, neither You nor we will have the right to: (1) have a court or a jury 

decide the Claim; (2) engage in information-gathering (discovery) to the same 

extent as in court; (3) participate in a class action in court or in arbitration; or (4) 

join or consolidate a Claim with claims of any other person. The right to appeal 

is more limited in arbitration than in court and other rights in court may be 

unavailable or limited in arbitration. 

Claims Subject to Arbitration. A “Claim” subject to arbitration is any claim, dispute 

or controversy between You and us (other than an Excluded Claim or Proceeding 

as set forth below), whether preexisting, present or future, which arises out of or 

relates to the Account, these rules and regulations, any transaction conducted with 

us in connection with the Account or these rules and regulations, or our relationship. 

“Claim” has the broadest possible meaning and includes initial claims, counterclaims, 

cross-claims, third- party claims and federal, state, local and administrative claims. 

It includes disputes based upon contract, tort, consumer rights, fraud and other 

intentional torts, constitution, statute, regulation, ordinance, common law and equity 

and includes claims for money damages and injunctive or declaratory relief. “Claim” 

also includes disputes concerning communications involving telephones, cell phones, 

automatic dialing systems, artificial or prerecorded voice messages, text messages, 

emails or facsimile machines and alleged violations of the Telephone Consumer 

Protection Act and other statutes or regulations involving telemarketing. Upon the 

demand of You or us, Claim(s) will be resolved by individual (not class or class-

wide) binding arbitration in accordance with the terms specified in this arbitration 

agreement. 

Special Definition of “We,” “Us” and “Our.” Solely for purposes of this arbitration 

agreement, the terms “we,” “us” and “our,” in addition to the meanings set forth in 

these rules and regulations, also refer to SunTrust’s employees, officers, directors, 

parents, controlling persons, subsidiaries, affiliates, successors and assigns. “We,” “us” 

and “our” also apply to third parties if You assert a Claim against such third parties in 

connection with a Claim You assert against us. 

Excluded Claim or Proceeding. Notwithstanding the foregoing, “Claim” does not 

include any dispute or controversy about the validity, enforceability, coverage or 

scope of this arbitration agreement or any part thereof (including, without limitation, 

the Class Action Waiver set forth below, this sentence, and/or the last sentence of 

the Survival and Severability paragraph below); all such disputes or controversies are 

for a court and not an arbitrator to decide. However, any dispute or controversy that 

concerns the validity or enforceability of the rules and regulations as a whole is for 

the arbitrator, not a court, to decide. In addition, the following claims or proceedings 

will not be subject to this arbitration agreement: (1) any individual action brought 

by You or us in small claims court or Your state’s equivalent court, unless such action 

is transferred, removed, or appealed to a different court; (2) the exercising of any 

self-help rights, including set-off as described in the paragraph below titled “Right of 

Offset and Security Interest,” or (3) any individual action in court by one party that 

is limited to preventing the other party from using a self- help remedy and that does 

not involve a request for damages or monetary relief of any kind. The institution and/ 

or maintenance of any such right, action or litigation shall not constitute a waiver of 

the right of either of the parties to compel arbitration regarding any other dispute 

subject to arbitration pursuant to this arbitration agreement. Moreover, this arbitration 

agreement will not apply to any Claims that are the subject of (a) a class action 

filed in court that is pending as of the effective date of this arbitration agreement 

in which You are alleged to be a member of the putative class (however, You and we 

will continue to be bound by any prior version of this arbitration agreement), or (b) 

a motion to compel arbitration filed by us against You before the effective date of 

this arbitration agreement pursuant to a prior version of this arbitration agreement 

(however, You and we will continue to be bound by any prior version of this arbitration 

agreement). 

Federal Arbitration Act. Notwithstanding any choice of law or other provision in 

these rules and regulations, the parties agree and acknowledge that this agreement 

evidences a transaction involving interstate commerce and that the Federal Arbitration 

Act (Title 9 of the United States Code) (“FAA”) shall govern its interpretation and 

enforcement and proceedings pursuant thereto. To the extent state law is applicable 

under the FAA, the law of the state governing Your account relationship with us shall 

apply. 

Arbitration Class Action Waiver. Notwithstanding any other provision of these rules 

and regulations, if either You or we elect to arbitrate a Claim, neither You nor we will 

have the right: (a) to participate in a class action, private attorney general action or 

other representative action in court or in arbitration, either as a class representative 

or class member; or (b) to join or consolidate Claims with claims of any other persons. 

No arbitrator shall have authority to conduct any arbitration in violation of this 

provision. (Provided, however, that the Class Action Waiver does not apply to any 

lawsuit or administrative proceeding filed against us by a state or federal government 

agency even when such agency is seeking relief on behalf of a class of borrowers 

including You. This means that we will not have the right to compel arbitration of any 

claim brought by such an agency).

Arbitration Procedures. If You or we elect to arbitrate a Claim, the electing party 

must notify the other party in writing. This notice can be given after the beginning of a 

lawsuit and can be given in papers filed in the lawsuit. Otherwise, Your notice must be

sent to SunTrust Bank Legal Department, Attn: General Counsel- Arbitration Election, 

Mail Code 0643, 303 Peachtree Street, N.E., 9th Floor, Atlanta, Georgia 30308, and 

our notice must be sent to the most recent address for You in our files. Any arbitration 

hearing that You attend must take place in a venue reasonably convenient to You. If a 

party files a lawsuit in court asserting Claim(s) that are subject to arbitration and the 

other party files a motion to compel arbitration with the court which is granted, it will 

be the responsibility of the party prosecuting the Claim(s) to commence the arbitration 

proceeding with an arbitration administrator in accordance with this arbitration 

agreement and the administrator’s rules and procedures. Even if all parties have opted 

to litigate a Claim in court, You or we may elect arbitration with respect to any Claim 

made by a new party or any Claim later asserted by a party in that or any related 

or unrelated lawsuit (including a Claim initially asserted on an individual basis but 

modified to be asserted on a class, representative or multi-party basis). Nothing in that 

litigation shall constitute a waiver of any rights under this arbitration agreement. 

A single arbitrator will be appointed by the administrator and, unless You and us 

agree otherwise, must be a practicing attorney with ten or more years of experience 

or a retired judge. The arbitrator will not be bound by judicial rules of procedure 

and evidence that would apply in a court, nor by state or local laws that relate to 

arbitration provisions or proceedings. The arbitrator will honor and enforce statutes 

of limitation and claims of privilege recognized under applicable law. In determining 

liability or awarding damages or other relief, the arbitrator will follow the applicable 

substantive law, consistent with these rules and regulations and the FAA, that would 

apply if the matter had been brought in court. The arbitrator may award any damages 

or other relief or remedies that would apply under applicable law to an individual 

action brought in court. For Claim(s) that total less than $75,000 and at Your written 

request, we will pay all filing, hearing and/or other fees charged by the administrator 

and arbitrator to You for Claim(s) asserted by You in arbitration after You have paid 

an amount equivalent to the fee, if any, for filing such Claim(s) in state or federal 

court (whichever is less) in the judicial district in which You reside. If You have already 

paid a filing fee for asserting the Claim(s) in court, You will not be required to pay 

that amount again. In addition, the administrator may have a procedure whereby 

You can seek a waiver of fees charged to You by the administrator and arbitrator. 

We will always pay any fees or expenses that we are required to pay by law or the 

administrator’s rules or that we are required to pay for this arbitration agreement 

to be enforced. The arbitrator will have the authority to award attorneys and expert 

witness fees and costs to the extent permitted by either these rules and regulations, 

the administrator’s rules or applicable law. The arbitrator shall award You Your 

reasonable attorneys’ and expert witness fees and costs (a) if and to the extent You 

prevail on Claim(s) You assert against us in an individual arbitration commenced by 

You, or (b) to the extent required under applicable law for this arbitration agreement 

to be enforced. The arbitrator shall write a brief explanation of the grounds for the 

decision. A judgment on the award may be entered by any court having jurisdiction. 

Survival and Severability. This arbitration agreement shall survive the closing of Your 

Account and the termination of any relationship between us, including the termination 

of these rules and regulations. If any part of this arbitration agreement is deemed 

or found to be unenforceable for any reason, the remainder shall be enforceable, 

except that: (a) The parties to these rules and regulations acknowledge that the Class 

Action Waiver is material and essential to the arbitration of any disputes between 

the parties and is non severable from this arbitration agreement. If the Class Action 

Waiver is limited, voided or found unenforceable as to any Claim(s), then the parties’ 

arbitration agreement (except for this sentence) shall be null and void with respect to 

such Claim(s) (but not as to any other Claim(s) that have been or are later brought), 

subject to the right to appeal the limitation or invalidation of the Class Action Waiver. 

The parties acknowledge and agree that under no circumstances will a class action be 

arbitrated; and (b) If a Claim is brought seeking public injunctive relief and a court 

determines that the restrictions in the paragraph titled “Class Action Waiver” or 

elsewhere in this agreement prohibiting the arbitrator from awarding relief on behalf 

of third parties are unenforceable with respect to such Claim (and that determination 

becomes final after all appeals have been exhausted), the Claim for public injunctive 

relief will be determined in court and any individual Claims seeking monetary relief 

will be arbitrated. In such a case the parties will request that the court stay the Claim 

for public injunctive relief until the arbitration award pertaining to individual relief 

has been entered in court. In no event will a Claim for public injunctive relief be 

arbitrated. 

Effect of Arbitration Award. The arbitrator’s award shall be final and binding on all 

parties, except for any right of appeal provided by the FAA. However, if the amount of 

the Claim exceeds $150,000 or involves a request for injunctive or declaratory relief 

that could foreseeably involve a cost or benefit to either party exceeding $150,000, 

any party can, within thirty (30) days after the entry of the award by the arbitrator, 

appeal the award to a three- arbitrator panel administered by the Administrator. The 

panel shall reconsider anew any aspect of the initial award requested by the appealing 

party. The decision of the panel shall be by majority vote. Reference in this arbitration 

provision to “the arbitrator” shall mean the panel if an appeal of the arbitrator’s 

decision has been taken. The costs of such an appeal will be borne in accordance with 

the above paragraph titled “Arbitration Procedures.” Any final decision of the appeal 

panel is subject to judicial review only as provided under the FAA. No arbitration 

award involving the parties will have any preclusive effect as to issues or claims in any 

dispute involving anyone who is not a party to the arbitration, nor will an arbitration 

award in prior disputes involving other parties have preclusive effect in an arbitration 

between the parties to this agreement. 

Notice and Cure; Special Payment. Prior to initiating a Claim, You may give us a 

written Claim Notice describing the basis of Your Claim and the amount You would 

accept in resolution of the Claim, and a reasonable opportunity, not less than thirty 

(30) days, to resolve the Claim. Such a Claim Notice must be sent to us by certified 

mail, return receipt requested, at SunTrust Bank Legal Department, Attn: General 

Counsel- Claim Notice, Mail Code 0643, 303 Peachtree Street, N.E., 9th Floor, Atlanta, 

Georgia 30308. This is the sole and only method by which You can submit a Claim 

Notice. If (i) You submit a Claim Notice in accordance with this Paragraph on Your own 

behalf (and not on behalf of any other party); (ii) You cooperate with us by promptly

providing the information we reasonably request; (iii) we refuse to provide You with 

the relief You request; and (iv) the matter then proceeds to arbitration and the 

arbitrator subsequently determines that You were entitled to such relief (or greater 

relief), You will be entitled to a minimum award of at least $7,500 (not including any 

arbitration fees and attorneys’ fees and costs to which You will also be entitled). We 

encourage You to address all Claims You have in a single Claim Notice and/or a single 

arbitration. Accordingly, this $7,500 minimum award is a single award that applies to 

all Claims You have asserted or could have asserted in the arbitration, and multiple 

awards of $7,500 are not contemplated. 

Right to Reject Arbitration Agreement. You may reject this arbitration agreement and 

therefore not be subject to being required to resolve any claim, dispute or controversy 

by arbitration. To reject this arbitration agreement, You and only You personally, must 

send us written notice of Your decision so that we receive it at the address listed 

below within forty-five (45) days of the opening of Your Account. Such notice must 

include a statement that You wish to reject the arbitration agreement section of these 

rules and regulations along with Your name, address, Account name, Account number 

and Your signature and must be mailed to the SunTrust Bank Legal Department, Attn: 

Arbitration Rejection, P.O. Box 4418, Mail Code 0643, Atlanta, GA 30302-4418. This 

is the sole and only method by which You can reject this arbitration agreement and 

any attempt to reject this arbitration agreement by any other person or through any 

other method or form of notice, including the filing of a lawsuit, will be ineffective. 

You agree that Your rejection of this arbitration agreement shall not be imputed to any 

other person or entity or be deemed to be a rejection of this arbitration agreement 

by any person or entity other than You. Nor shall Your rejection of this arbitration 

agreement eliminate the obligation of other persons or entities who wish to reject this 

arbitration agreement to personally comply with the notice and time requirements of 

this paragraph. Rejection of this arbitration agreement will not affect any remaining 

terms of these rules and regulations and will not result in any adverse consequence to 

You or Your Account. You agree that our business records will be final and conclusive 

with respect to whether You rejected this arbitration agreement in a timely and proper 

fashion. This arbitration agreement provision will apply to You and us and to Your 

Account unless You reject it by providing proper and timely notice as stated herein.

Your Billing Rights

Keep this notice for future use. It informs You about Your rights and SunTrust’s 

responsibilities under the Fair Credit Billing Act.

What to do if You find a mistake on Your Statement

• If You think there is an error on Your Statement, write SunTrust at:

 ◦ SunTrust Bank 

Cardholder Services, P.O. Box 620548, Orlando, FL 32862-0548 

Attn: Dispute Department

• In Your letter, give SunTrust the following information:

 ◦ Account information: Your name and Account number

 ◦ Dollar amount: The amount of the suspected error

 ◦ Description of problem: If You think there is an error on Your Statement, 

describe what You believe is wrong and why You believe it is a mistake.

• You must contact SunTrust:

qualify.

 ◦ Within 60 days after the error appeared on Your statement.

 ◦ You must not yet have fully paid for the Purchase.

 ◦ At least 3 business days before an automated payment is scheduled, if You 

• If all of the criteria above are met and You are still dissatisfied with the 

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 

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.

All rights reserved. 

SunTrust now Truist, Member FDIC. ©2020 Truist Financial Corporation. SunTrust®,

Truist and the SunTrust logo are service marks of Truist Financial Corporation.         

 
 
 
 
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 YOU AND WE HAVE AGAINST EACH OTHER ARE RESOLVED.

YOU HAVE THE RIGHT TO REJECT THIS ARBITRATION AGREEMENT AS SET FORTH

BELOW. If You do not reject this arbitration agreement, for a Claim subject to

arbitration, neither You nor we will have the right to: (1) have a court or a jury

decide the Claim; (2) engage in information-gathering (discovery) to the same

extent as in court; (3) participate in a class action in court or in arbitration; or (4)

join or consolidate a Claim with claims of any other person. The right to appeal

is more limited in arbitration than in court and other rights in court may be

unavailable or limited in arbitration.

Claims Subject to Arbitration. A “Claim” subject to arbitration is any claim, dispute

or controversy between You and us (other than an Excluded Claim or Proceeding

as set forth below), whether preexisting, present or future, which arises out of or

relates to the Account, these rules and regulations, any transaction conducted with

us in connection with the Account or these rules and regulations, or our relationship.

“Claim” has the broadest possible meaning and includes initial claims, counterclaims,

cross-claims, third- party claims and federal, state, local and administrative claims.

It includes disputes based upon contract, tort, consumer rights, fraud and other

intentional torts, constitution, statute, regulation, ordinance, common law and equity

and includes claims for money damages and injunctive or declaratory relief. “Claim”

also includes disputes concerning communications involving telephones, cell phones,

automatic dialing systems, artificial or prerecorded voice messages, text messages,

emails or facsimile machines and alleged violations of the Telephone Consumer

Protection Act and other statutes or regulations involving telemarketing. Upon the

demand of You or us, Claim(s) will be resolved by individual (not class or class-

wide) binding arbitration in accordance with the terms specified in this arbitration

agreement.

Special Definition of “We,” “Us” and “Our.” Solely for purposes of this arbitration

agreement, the terms “we,” “us” and “our,” in addition to the meanings set forth in

these rules and regulations, also refer to SunTrust’s employees, officers, directors,

parents, controlling persons, subsidiaries, affiliates, successors and assigns. “We,” “us”

and “our” also apply to third parties if You assert a Claim against such third parties in

connection with a Claim You assert against us.

Excluded Claim or Proceeding. Notwithstanding the foregoing, “Claim” does not

include any dispute or controversy about the validity, enforceability, coverage or

scope of this arbitration agreement or any part thereof (including, without limitation,

the Class Action Waiver set forth below, this sentence, and/or the last sentence of

the Survival and Severability paragraph below); all such disputes or controversies are

for a court and not an arbitrator to decide. However, any dispute or controversy that

concerns the validity or enforceability of the rules and regulations as a whole is for

the arbitrator, not a court, to decide. In addition, the following claims or proceedings

will not be subject to this arbitration agreement: (1) any individual action brought

by You or us in small claims court or Your state’s equivalent court, unless such action

is transferred, removed, or appealed to a different court; (2) the exercising of any

self-help rights, including set-off as described in the paragraph below titled “Right of

Offset and Security Interest,” or (3) any individual action in court by one party that

is limited to preventing the other party from using a self- help remedy and that does

not involve a request for damages or monetary relief of any kind. The institution and/ 

or maintenance of any such right, action or litigation shall not constitute a waiver of

the right of either of the parties to compel arbitration regarding any other dispute

subject to arbitration pursuant to this arbitration agreement. Moreover, this arbitration

agreement will not apply to any Claims that are the subject of (a) a class action

filed in court that is pending as of the effective date of this arbitration agreement

in which You are alleged to be a member of the putative class (however, You and we

will continue to be bound by any prior version of this arbitration agreement), or (b)

a motion to compel arbitration filed by us against You before the effective date of

this arbitration agreement pursuant to a prior version of this arbitration agreement

(however, You and we will continue to be bound by any prior version of this arbitration

agreement).

Federal Arbitration Act. Notwithstanding any choice of law or other provision in

these rules and regulations, the parties agree and acknowledge that this agreement

evidences a transaction involving interstate commerce and that the Federal Arbitration

Act (Title 9 of the United States Code) (“FAA”) shall govern its interpretation and

enforcement and proceedings pursuant thereto. To the extent state law is applicable

under the FAA, the law of the state governing Your account relationship with us shall

apply.

Arbitration Class Action Waiver. Notwithstanding any other provision of these rules

and regulations, if either You or we elect to arbitrate a Claim, neither You nor we will

have the right: (a) to participate in a class action, private attorney general action or

other representative action in court or in arbitration, either as a class representative

or class member; or (b) to join or consolidate Claims with claims of any other persons.

No arbitrator shall have authority to conduct any arbitration in violation of this

provision. (Provided, however, that the Class Action Waiver does not apply to any

lawsuit or administrative proceeding filed against us by a state or federal government

agency even when such agency is seeking relief on behalf of a class of borrowers

including You. This means that we will not have the right to compel arbitration of any

claim brought by such an agency).

Arbitration Procedures. If You or we elect to arbitrate a Claim, the electing party

must notify the other party in writing. This notice can be given after the beginning of a

lawsuit and can be given in papers filed in the lawsuit. Otherwise, Your notice must be

sent to SunTrust Bank Legal Department, Attn: General Counsel- Arbitration Election,

Mail Code 0643, 303 Peachtree Street, N.E., 9th Floor, Atlanta, Georgia 30308, and

our notice must be sent to the most recent address for You in our files. Any arbitration

hearing that You attend must take place in a venue reasonably convenient to You. If a

party files a lawsuit in court asserting Claim(s) that are subject to arbitration and the

other party files a motion to compel arbitration with the court which is granted, it will

be the responsibility of the party prosecuting the Claim(s) to commence the arbitration

proceeding with an arbitration administrator in accordance with this arbitration

agreement and the administrator’s rules and procedures. Even if all parties have opted

to litigate a Claim in court, You or we may elect arbitration with respect to any Claim

made by a new party or any Claim later asserted by a party in that or any related

or unrelated lawsuit (including a Claim initially asserted on an individual basis but

modified to be asserted on a class, representative or multi-party basis). Nothing in that

litigation shall constitute a waiver of any rights under this arbitration agreement.

A single arbitrator will be appointed by the administrator and, unless You and us

agree otherwise, must be a practicing attorney with ten or more years of experience

or a retired judge. The arbitrator will not be bound by judicial rules of procedure

and evidence that would apply in a court, nor by state or local laws that relate to

arbitration provisions or proceedings. The arbitrator will honor and enforce statutes

of limitation and claims of privilege recognized under applicable law. In determining

liability or awarding damages or other relief, the arbitrator will follow the applicable

substantive law, consistent with these rules and regulations and the FAA, that would

apply if the matter had been brought in court. The arbitrator may award any damages

or other relief or remedies that would apply under applicable law to an individual

action brought in court. For Claim(s) that total less than $75,000 and at Your written

request, we will pay all filing, hearing and/or other fees charged by the administrator

and arbitrator to You for Claim(s) asserted by You in arbitration after You have paid

an amount equivalent to the fee, if any, for filing such Claim(s) in state or federal

court (whichever is less) in the judicial district in which You reside. If You have already

paid a filing fee for asserting the Claim(s) in court, You will not be required to pay

that amount again. In addition, the administrator may have a procedure whereby

You can seek a waiver of fees charged to You by the administrator and arbitrator.

We will always pay any fees or expenses that we are required to pay by law or the

administrator’s rules or that we are required to pay for this arbitration agreement

to be enforced. The arbitrator will have the authority to award attorneys and expert

witness fees and costs to the extent permitted by either these rules and regulations,

the administrator’s rules or applicable law. The arbitrator shall award You Your

reasonable attorneys’ and expert witness fees and costs (a) if and to the extent You

prevail on Claim(s) You assert against us in an individual arbitration commenced by

You, or (b) to the extent required under applicable law for this arbitration agreement

to be enforced. The arbitrator shall write a brief explanation of the grounds for the

decision. A judgment on the award may be entered by any court having jurisdiction.

Survival and Severability. This arbitration agreement shall survive the closing of Your

Account and the termination of any relationship between us, including the termination

of these rules and regulations. If any part of this arbitration agreement is deemed

or found to be unenforceable for any reason, the remainder shall be enforceable,

except that: (a) The parties to these rules and regulations acknowledge that the Class

Action Waiver is material and essential to the arbitration of any disputes between

the parties and is non severable from this arbitration agreement. If the Class Action

Waiver is limited, voided or found unenforceable as to any Claim(s), then the parties’

arbitration agreement (except for this sentence) shall be null and void with respect to

such Claim(s) (but not as to any other Claim(s) that have been or are later brought),

subject to the right to appeal the limitation or invalidation of the Class Action Waiver.

The parties acknowledge and agree that under no circumstances will a class action be

arbitrated; and (b) If a Claim is brought seeking public injunctive relief and a court

determines that the restrictions in the paragraph titled “Class Action Waiver” or

elsewhere in this agreement prohibiting the arbitrator from awarding relief on behalf

of third parties are unenforceable with respect to such Claim (and that determination

becomes final after all appeals have been exhausted), the Claim for public injunctive

relief will be determined in court and any individual Claims seeking monetary relief

will be arbitrated. In such a case the parties will request that the court stay the Claim

for public injunctive relief until the arbitration award pertaining to individual relief

has been entered in court. In no event will a Claim for public injunctive relief be

arbitrated.

Effect of Arbitration Award. The arbitrator’s award shall be final and binding on all

parties, except for any right of appeal provided by the FAA. However, if the amount of

the Claim exceeds $150,000 or involves a request for injunctive or declaratory relief

that could foreseeably involve a cost or benefit to either party exceeding $150,000,

any party can, within thirty (30) days after the entry of the award by the arbitrator,

appeal the award to a three- arbitrator panel administered by the Administrator. The

panel shall reconsider anew any aspect of the initial award requested by the appealing

party. The decision of the panel shall be by majority vote. Reference in this arbitration

provision to “the arbitrator” shall mean the panel if an appeal of the arbitrator’s

decision has been taken. The costs of such an appeal will be borne in accordance with

the above paragraph titled “Arbitration Procedures.” Any final decision of the appeal

panel is subject to judicial review only as provided under the FAA. No arbitration

award involving the parties will have any preclusive effect as to issues or claims in any

dispute involving anyone who is not a party to the arbitration, nor will an arbitration

award in prior disputes involving other parties have preclusive effect in an arbitration

between the parties to this agreement.

Notice and Cure; Special Payment. Prior to initiating a Claim, You may give us a

written Claim Notice describing the basis of Your Claim and the amount You would

accept in resolution of the Claim, and a reasonable opportunity, not less than thirty

(30) days, to resolve the Claim. Such a Claim Notice must be sent to us by certified

mail, return receipt requested, at SunTrust Bank Legal Department, Attn: General

Counsel- Claim Notice, Mail Code 0643, 303 Peachtree Street, N.E., 9th Floor, Atlanta,

Georgia 30308. This is the sole and only method by which You can submit a Claim

Notice. If (i) You submit a Claim Notice in accordance with this Paragraph on Your own

behalf (and not on behalf of any other party); (ii) You cooperate with us by promptly

providing the information we reasonably request; (iii) we refuse to provide You with

the relief You request; and (iv) the matter then proceeds to arbitration and the

arbitrator subsequently determines that You were entitled to such relief (or greater

relief), You will be entitled to a minimum award of at least $7,500 (not including any

arbitration fees and attorneys’ fees and costs to which You will also be entitled). We

encourage You to address all Claims You have in a single Claim Notice and/or a single

arbitration. Accordingly, this $7,500 minimum award is a single award that applies to

all Claims You have asserted or could have asserted in the arbitration, and multiple

awards of $7,500 are not contemplated.

Right to Reject Arbitration Agreement. You may reject this arbitration agreement and

therefore not be subject to being required to resolve any claim, dispute or controversy

by arbitration. To reject this arbitration agreement, You and only You personally, must

send us written notice of Your decision so that we receive it at the address listed

below within forty-five (45) days of the opening of Your Account. Such notice must

include a statement that You wish to reject the arbitration agreement section of these

rules and regulations along with Your name, address, Account name, Account number

and Your signature and must be mailed to the SunTrust Bank Legal Department, Attn:

Arbitration Rejection, P.O. Box 4418, Mail Code 0643, Atlanta, GA 30302-4418. This

is the sole and only method by which You can reject this arbitration agreement and

any attempt to reject this arbitration agreement by any other person or through any

other method or form of notice, including the filing of a lawsuit, will be ineffective.

You agree that Your rejection of this arbitration agreement shall not be imputed to any

other person or entity or be deemed to be a rejection of this arbitration agreement

by any person or entity other than You. Nor shall Your rejection of this arbitration

agreement eliminate the obligation of other persons or entities who wish to reject this

arbitration agreement to personally comply with the notice and time requirements of

this paragraph. Rejection of this arbitration agreement will not affect any remaining

terms of these rules and regulations and will not result in any adverse consequence to

You or Your Account. You agree that our business records will be final and conclusive

with respect to whether You rejected this arbitration agreement in a timely and proper

fashion. This arbitration agreement provision will apply to You and us and to Your

Account unless You reject it by providing proper and timely notice as stated herein.

Your Billing Rights

Keep this notice for future use. It informs You about Your rights and SunTrust’s 

responsibilities under the Fair Credit Billing Act.

What to do if You find a mistake on Your Statement

•If You think there is an error on Your Statement, write SunTrust at:

◦ SunTrust Bank

Cardholder Services, P.O. Box 620548, Orlando, FL 32862-0548

Attn: Dispute Department

•In Your letter, give SunTrust the following information:

◦ Account information: Your name and Account number

◦ Dollar amount: The amount of the suspected error

◦ Description of problem: If You think there is an error on Your Statement, 

describe what You believe is wrong and why You believe it is a mistake.

•You must contact SunTrust:

qualify.

◦ Within 60 days after the error appeared on Your statement.

◦ You must not yet have fully paid for the Purchase.

◦ At least 3 business days before an automated payment is scheduled, if You

•If all of the criteria above are met and You are still dissatisfied with the 

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 

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.

1The Personal Deposit Account Fee Schedule is accessible at https://www.
suntrust.com/Static/Documents/Personal_Banking/Deposit_Account_Disclosures/
FSRETAILE.pdf.

SunTrust now Truist, Member FDIC. ©2020 Truist Financial Corporation. SunTrust®,
Truist  and the SunTrust  logo are service marks of Truist Financial Corporation.         
All rights reserved. 

SunTrust now Truist, Member FDIC. ©2020 Truist Financial Corporation. SunTrust®,
Truist and the SunTrust logo are service marks of Truist Financial Corporation.
All rights reserved. 

The pricing addendum for the SunTrust Cash Rewards Card is accurate as of June 30, 2021. 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

Prime Rate + 6.99% to Prime Rate + 17.99%
This APR will vary with the market based on the Prime Rate. 

APR for Balance Transfers  Prime Rate + 6.99% to Prime Rate + 17.99% 

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. 

Paying Interest 

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. We 
will begin charging Interest on Cash Advances and Balance Transfers on the transaction 
date. 

Minimum Interest Charge 

If you are charged interest, the charge will be no less than $0.50. 

Fees 

Annual Fee 

None 

Transaction Fees 
  Balance Transfer 
• Cash Advance
• Foreign Transaction

Penalty Fees 
• Late Payment
• Return Payment

  $10.00 or 3% of the amount of the transfer, whichever is greater. 
  $10.00 or 4% of the amount of each advance, whichever is greater. 
  None 

• Up to $39
• Up to $39

How We Will Calculate Your Balance: We use a method called “average daily balance” (including new transactions). 

Prime Rate: We use the prime rate quoted in the “Money Rates” section of The Wall Street Journal on the 28
28

th day is not a business day, the next business day thereafter) of the prior calendar month. 

th day (or if the 

SunTrust Bank, now Truist Bank, Member FDIC. ©2020 Truist Financial Corporation. SunTrust®, the SunTrust logo, and Truist are service marks of Truist 
Financial Corporation. All rights reserved. 

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