P-1820

Rev. 9/17

CARD ACCOUNT AGREEMENT

SunTrust  Secured  Card  with  Cash  Rewards

Table of Contents

SECURITY INTEREST 
SUMMARY OF KEY TERMS
AGREEMENT TERMS
Costs
Overdraft Protection
Payments
Amendment (Changes) and Assignment
Additional Information
Arbitration
Your Billing Rights
Definitions

Secured Card Account 
Agreement
SECURITY INTEREST

For each bolded word or phrase, the definition is provided at
https://www.suntrust.com/PersonalBanking/EverydayBanking/
CreditCards  and  in  the  definitions  section  at  the  end  of  this 
Agreement.

Your Card Account is a secured account, meaning You have pledged collateral to ensure repayment 
of the Credit that SunTrust provides You and any other debt that You owe SunTrust on Your Card 
Account.

Pledge of Collateral



In consideration for the Bank issuing this Card Account to You, You have opened a Savings Account 
called the “Secured Card Savings Account” according to these parameters.  The Savings Account must:
be titled in the same name(s) of the initial Cardholder(s) when the Card Account is opened and 
no other name(s);
be opened with a deposit that equals the amount of Your revolving Credit Limit; and
remain open during the duration of Your Card Account.




You cannot add/change Cardholders on Your Card Account after it is established, as the Cardholder 
and Savings Account owner names must match.

To secure all amounts You may owe, including but not limited to interest, fees, and charges, which accrue 
on Your Card Account and all of Your other obligations on Your Card Account, You assign, transfer, 
and pledge a security interest in and grant the Bank all rights, title, and interest in the Savings Account 
and in all renewals, additions, and funds/earnings of the Savings Account.  If Your Savings Account 
is closed for any reason, SunTrust may terminate Your Card Account in accordance with the terms of 
this Agreement.

The  primary  rules  and  regulations  for  your  Savings  Account  are  described  in  the  Bank  Rules  and 
Regulations  for  Deposit  Accounts  booklet  provided  to  You  separately.    This  Savings  Account  has 
additional terms/restrictions that include the following.

 At all times during the duration of Your Card Account, You must maintain funds in the Savings 

Account that cover the amount of Your Credit Limit.

 You may not make withdrawals from the Savings Account while it secures Your Card Account.  
This restriction includes, but is not limited to, withdrawals of any funds at a branch, through an 
ATM, through online transactions, through overdraft protection to a checking account, or by any 
other method.

 You are not allowed to make additional deposits to this Savings Account, except when additional 
deposit(s) is/are required for the Savings Account balance to cover the Card Account Credit 
Limit.

 No  transfer  of  ownership  of  the  Savings  Account  to  another  person  upon  death  of  the

Cardholder(s) is permitted.

Right of Bank to Control and Use Savings Account

You  agree  that  this  security  interest,  pledge,  and  assignment  provides  the  Bank  the  right  to  redeem, 
collect, and withdraw any part or the full amount of the Savings Account to satisfy Your obligations under 
this Agreement upon Your Default under this Agreement or if Your Card Account is terminated for any 
reason.  You acknowledge and agree that this security interest, pledge, and assignment gives the Bank 
exclusive control over the Savings Account.  You agree that if Your Card Account is closed for any 
reason, SunTrust may apply funds in the Savings Account to pay off any balance on the Card Account.

What SunTrust Does with Funds Remaining in Savings Account When Savings Account May 
Be Closed or is No Longer Required

1.

2.

If You Default under this Agreement or Your Card Account is terminated for any reason and 
SunTrust must apply funds in the Savings Account to pay off any outstanding Balance on Your 
Card Account, if funds remain in the Savings Account after SunTrust pays off the Balance
on the Card Account, SunTrust will remit these funds to You within 30 days after Your Card 
Account is closed.

If SunTrust graduates You to an unsecured credit card account so that the Savings Account
and security interest are no longer required and Your Card Account is in good standing, You 
hereby authorize SunTrust to convert Your Savings Account to a personal savings account. 

This personal savings account will be titled in the same name(s) as the Savings Account that 
secured Your Card Account.  Your access to the personal savings account will not be restricted. 
This  means  You  may  make  additional  deposits  and  withdrawals.    SunTrust  will  waive  the 
personal savings account monthly maintenance fee of $4.00 when the personal savings account 
(a) contains a minimum daily balance of $300 or (b) has at least one $5 transfer from a SunTrust 
checking account per month.  Otherwise fees will apply – see: https://www.suntrust.com/Static/
Documents/Personal_Banking/Deposit_Account_Disclosures/FSRETAILE.pdf  for  full  personal 
savings account terms and conditions.

If You do not wish to maintain a personal savings account with these funds, call SunTrust 
at 800-786-8787 or visit a SunTrust branch after SunTrust converts Your existing Savings 
Account to a personal savings account to request some other disposition of these funds, 
and SunTrust will honor Your request.

Duration of Security Agreement

Your security agreement will remain in effect until (a) all of Your debt to the Bank on Your Card Account 
has been paid in full and (b) all other obligations secured by this Agreement have been fulfilled.

Waiver of Rights and Other Legal Matters regarding the Security Interest

You  waive  any  right  to  require  SunTrust  to:  (a)  proceed  against  You,  any  other  Cardholder,  or 
Authorized User on Your Card Account; or (b) proceed against or exhaust any security held under this 
security agreement before SunTrust pursues any other remedy in SunTrust’s power.  The Bank’s rights 
stated in this security agreement are in addition to any others SunTrust has under applicable law.  If there 
is a conflict regarding this security interest and any other agreement, this Agreement will control.  You 
represent that no insolvency proceeding or general assignment for creditors is pending that would affect 
Your grant of this security interest.  You waive any defense You may have against SunTrust, associated 
with this security interest.

Enforcement of Security Interest

You hereby irrevocably appoint the Bank as attorney-in-fact to execute any instruments required to satisfy 
Your debt under the Card Account.

Secured Card Account 
Agreement
SUMMARY OF KEY TERMS

For each bolded word or phrase, the definition is provided at
https://www.suntrust.com/PersonalBanking/
EverydayBanking/CreditCards and in the definitions section 
at the end of this Agreement.

When are You bound by the 
CA Terms?

Your  Card  Account  Agreement  with  SunTrust  starts  and  You 
agree to the terms when (1) You accept and/or 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  Trans-
fers.    You  are  responsible  for  transactions  that  You,  other
Cardholders, and Authorized Users make, whether the trans-
actions 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 Ac-
count  bill)  by  transaction  type.    The  combined  outstanding
amount of each transaction type is Your New Balance due on 
Your Account each month (Billing Period).  You must pay all 
Interest Charges, fees, and Other Charges properly charged 
to Your Account.

 SunTrust will send You a monthly Statement (bill).  You agree 
to pay all Authorized Charges on the Statement.  You have 
the option of paying in full the New Balance shown on each 
Statement  or  paying  in  installments  that  at  least  equal  the
amount of the Minimum Payment shown on Your Statement.  
In either case, the payment Due Date will be at least 25 days 
after the Closing Date of Your Statement.

 The Minimum Payment will include any amount past due or 
over Your Credit Limit plus the greater of (1) $20.00, (2) 2% of 
the New Balance, or (3) 1% of the New Balance plus current 
Interest Charges and Other Charges.  If the New Balance
is less than $20.00, the Minimum Payment will be the New 
Balance. If You pay more than the Minimum Payment, You 
still must make the Minimum Payment on subsequent State-
ments 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, Sun-
Trust can require that the entire outstanding full Balance on 
Your Account be immediately paid.

How  will  SunTrust  apply 
Your payments?

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.

 You agree that the Minimum Payments on Your Account will 

be applied in the order SunTrust selects.

 SunTrust  may  allocate  Your  Minimum  Payments 

to
Balances starting with the lowest APR (Annual Percentage 
Rate).    Payments  in  excess  of  the  Minimum  Payment  will
generally  be  applied  first  to  Balances  with  the  highest  APR 
and any remaining portion to the other Balances in descending 
order  based  on  their  APRs,  unless  SunTrust  is  required  by
applicable law to use a different payment application method in 
connection with a deferred interest or similar program. 

 Payments  are  normally  applied  to  restore  Your  available
Credit (the amount of Your unused Credit Limit).  There may 
be  a  delay  in  restoring  Your  available  Credit  until  SunTrust 
determines  whether  a  payment  is  likely  to  be  returned  for
insufficient funds or for some other reason.

Your liability for unauthorized use of the Card – what to do/what 
happens if Your Card is stolen.
Credit  Limits,  Authorization,  and  Convenience  Checks  – 
spending limits/transaction authorization.
Individual Liability – each Cardholder is individually and jointly 
liable for all Authorized Charges.
Termination – You or SunTrust can terminate or suspend Your 
Credit at any time with/without cause.
Sharing  of  Information  –  how  SunTrust  safeguards  your 
information/how-when SunTrust may disclose Your information to 
others; refers to SunTrust’s Privacy Statement.
Arbitration – the way in which You and SunTrust agree to resolve 
claims; You have the right to opt out of arbitration as the agreed 
upon claims resolution method.
Billing  Dispute  Rights  –  details  Your  rights  if  You  dispute 
charges/are  not  satisfied  with  good/services  You  procure  from 
merchants using Your Card/Account.
Defined Terms – defines all essential terms used in the CA.

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.

Costs on Cash Advances:

SunTrust  will  charge 
the 
Interest Charge on Your Cash 
Advances from the date they 
are posted to Your Account.

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.

Cost on Overdraft 
Advances:

SunTrust  will  charge 
the 
Interest  Charge  on  Your 
Overdraft Advances from the 
date they are posted to Your 
Account.

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 
request 
Balance  Transfer 
form  or  when  You  request  a 
Balance  Transfer,  SunTrust 
will 
Interest 
Charge  on  Your  Balance 
Transfer  from  the  date  it  is 
posted to Your Account.

charge 

the 

Foreign Currency 
Exchange Fee on 

Non-US Transactions:

Other Charges:

Minimum Interest 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.

	SunTrust will assess a foreign currency transaction fee for all 
Purchase transactions processed in a foreign currency.  
	Conversion  may  occur  on  a  date  other  than  the  date  of  the 
transaction  or  the  date  the  transaction  is  posted  to  Your 
Statement,  which  may  affect  the  conversion  rate  used.    If  a 
Credit  transaction  is  processed  and  has  a  processing  date 
different than the original transaction, then the exchange rate 
of  the  Credit  can  be  greater/less  than  that  of  the  original 
transaction.

Late Payment Fee.  Unless Your Account is exempt from Late 
Payment fees, if SunTrust has not received at least the Minimum 
Payment  by  its  Due  Date  as  shown  on  a  Statement,  SunTrust 
will  add  a  Late  Payment  fee  to  Your  Purchase  Balance  based 
on the New Balance outstanding as of the Closing Date for the 
Statement.

Annual Fee.  If Your Account has an annual fee, it will be shown 
on the Card Mailer, and SunTrust will add the annual fee to Your 
Purchase Balance.

Returned  Payment  Fee.    Unless  Your Account  is  exempt  from 
Returned Payment fees, SunTrust will add a Returned Payment 
fee  to  Your  Purchase  Balance  if  (1)  a  payment  that  You  make 
or  authorize  is  returned  to  SunTrust  unpaid;  or  (2)  any  Balance 
Transfer,  Cash  Advance,  or  Promotional  Balance  check  is 
dishonored  for  any  reason.  This  fee  may  be  imposed  even  if 
Your payment is later re-presented to and paid by Your financial 
institution.

Stop Payment Fee.  SunTrust will add a $39.00 stop payment fee 
to Your Purchase Balance if You ask SunTrust to stop payment 
on any Convenience Check drawn on Your Account or on any 
Balance Transfer request.

Documentation Fee.  SunTrust will provide copies of Statements, 
sales  drafts,  etc.,  to  You  upon  request.  If  You  request  copies  of 
more  than  two  items  during  a  Billing  Period,  SunTrust  will  add 
a fee to Your Purchase Balance up to $5.00 for each additional 
copy unless prohibited by applicable law.  SunTrust will not impose 
any fee if Your request is made in connection with written notice 
of a billing error.

Phone Pay Fee.  If SunTrust agrees to permit You to pay Your bill 
via phone pay and applicable law allows, You agree that SunTrust 
will add the phone pay fee disclosed at the time of Your request to 
Your Purchase Balance.

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

Interest Rate increase on new 
charges

In  the  first  year,  a  Promotional 
Rate  ends  or  the  Index  Rate 
changes; after that, any reason

Advance 
change

notice 

of 

Promotional  Rate  ends 
or  Index  Rate  changes, 
no  notice;  otherwise,  45 
days

Interest Rate increase on exist-
ing Balances

Promotional  period  ends,  Index 
Rate changes, or Your Account 
is in a workout arrangement

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  Pay-
ment changes

Secured Card Account 
Agreement
AGREEMENT TERMS

For each bolded word or phrase, the definition is provided at
https://www.suntrust.com/PersonalBanking/EverydayBank-
ing/CreditCards
and in the definitions section at the end of this Agreement.

Your Card Account Agreement with SunTrust starts and You agree to these terms when You accept 
and/or sign the Card or You or an Authorized User use(s) the Card or Account, thus obtaining credit 
from SunTrust.

Costs

You may use Your Card and Account to make Purchases, Cash Advances, Overdraft Advances and 
Balance Transfers. Each type of charge will have its own Balance.  Each type of Balance may have a 
separate DPR and corresponding Interest Charges.

You agree to pay SunTrust for all credit extended on Your Account, plus any Interest Charges, Other 
Charges  and  other  fees  and  amounts  properly  charged  to  Your  Account.    You  agree  to  use  Your 
Account only for legal transactions.  It is not SunTrust’s responsibility to make sure You only use Your 
Account for legal transactions, and You will remain responsible to pay for any transactions whether legal 
or not.  SunTrust may decline authorization for any Internet gambling transaction.  SunTrust will not be 
liable if You engage in an illegal transaction.

Interest Charges and 
Transaction Fees

The conditions under which Interest Charges and transaction fees 
apply depend upon whether the transaction is a Purchase, Cash 
Advance, Overdraft Advance, Balance Transfer, or Promotion-
al 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 Fee for Non-US Transactions

All Purchase and Cash Advance transactions processed in a foreign currency will be converted to U.S. 
dollars under the regulations of the  Card Association before being charged to  Your Account.  (The 
exchange rate that the Card Association uses to convert currency is a rate the Card Association selects 
either from the range of rates available in the wholesale currency markets for the applicable processing 
date  (which  rate  may  vary  from  the  rate  the  Card  Association  itself  receives)  or  the  government-
mandated rate in effect on the applicable processing date.)

Conversion may occur on a date other than the date of the transaction or the date the transaction is posted 
to Your Statement, which may affect the conversion rate used.  If a Credit transaction is processed and 

has a processing date different than the original transaction, then the exchange rate of the Credit can be 
greater/less than that of the original transaction.

SunTrust  will  assess  a  foreign  currency  transaction  fee  for  all  Purchase  transactions  processed  in 
a  foreign  currency.  The  foreign  currency  transaction  fee  is  disclosed  in  the  Card  Mailer  and  will  be 
calculated after each Purchase transaction has been converted from a foreign currency.

Other Charges

Late Payment Fee.  Unless Your Account is exempt from Late Payment fees, if SunTrust has not 
received at least the Minimum Payment by its Due Date as shown on a Statement, SunTrust will 
add a Late Payment fee to Your Purchase Balance based on the New Balance outstanding as of 
the Closing Date for the Statement.  The Late Payment fee is stated on the Card Mailer.

Annual Fee.  If Your Account has an annual fee, it will be shown on the Card Mailer, and SunTrust 
will add the annual fee to Your Purchase Balance.  If an annual fee is applicable to Your Account, 
SunTrust will provide You with notice of that annual fee in the manner required by law and 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 au-
thorize is returned to SunTrust unpaid (for example, if a check or an electronic funds transfer to Sun-
Trust is returned for insufficient funds or is returned because it is not signed or cannot be processed 
for any reason); or (2) any Balance Transfer, Cash Advance, or Promotional Balance check is 
dishonored for any reason. This fee may be imposed even if Your payment is later re-presented to 
and paid by Your financial institution.  The Returned Payment fee is stated on the Card Mailer.

Stop Payment Fee.  SunTrust will add a $39.00 stop payment fee to Your Purchase Balance if 
You ask SunTrust to stop payment on any Convenience Check drawn on Your Account or on any 
Balance Transfer request.

Documentation Fee.  SunTrust will provide copies of Items to You upon request. If You request 
copies of more than two Items during a Billing Period, SunTrust will add a fee to Your Purchase 
Balance up to $5.00 for each additional copy unless prohibited by applicable law.  SunTrust will not 
impose any fee if Your request is made in connection with written notice of a billing error.

Phone Pay Fee.  From time to time, You may request that SunTrust assist You in making an ex-
pedited Account payment from a designated deposit account, so that the payment can be credited 
to Your Account as of the day of Your call (or on the following business day, for calls made after 
the applicable cut-off time for payments). If SunTrust agrees to do so and applicable law allows, 
You agree that SunTrust will add the phone pay fee disclosed at the time of Your request to Your 
Purchase Balance.

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,  canceling 
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.  Canceling overdraft protection will not close Your Credit Card. However, closing a Credit 
Card Account will cancel the overdraft protection service.

Payments

What You Pay, When, How, and what happens if You pay late

SunTrust will send Your Statement to the address that the Bank has on file for You.  You agree to pay 
all Authorized Charges on the Statement.  You have the option of paying in full the New Balance shown 
on each Statement or paying in installments that at least equal the amount of the Minimum Payment 
shown on Your Statement.

In either case, the payment Due Date will be at least 25 days after the Closing Date.  The Minimum 
Payment will include any amount past due or over the Credit Limit plus the greater of (1) $20.00, (2) 2% 
of the New Balance, or (3) 1% of the New Balance plus current Interest Charges and Other Charges.  
The  Minimum  Payment  amount  will  either  be  rounded  up  or  down  to  the  nearest  dollar.  If  the  New 
Balance is less than $20.00, the Minimum Payment will be the New Balance. If You pay more than the 
Minimum Payment, You still must make the Minimum Payment on subsequent Statements until You 
have fully paid what You owe.

You must pay in U.S. dollars, without restrictive terms, and in accordance with the Standard Payment 
Instructions.  You  must  contact  SunTrust  at  least  3  business  days  before  an  automated  payment  is 
scheduled, if You want to stop payment on the amount You think is wrong.

If You do not pay at least the Minimum Payment by the Due Date, SunTrust will charge a Late Payment 
fee, unless Your Account is exempt from Late Payment fees.  If You make a Late Payment, You will be 
in Default and You may be subject to rate increases.  If You are in Default for any reason, SunTrust can 
require that the entire full Balance on Your Account be immediately paid. If You do not immediately pay 
SunTrust the entire full Balance due when required, except as specifically addressed in the Arbitration 
Provision of this Agreement, You will be liable to SunTrust for collection costs that SunTrust incurs, 
including reasonable attorneys’ fees and expenses of legal actions to the extent permitted by applicable 
law.  Where  required  by  state  law  SunTrust  will  provide  You  with  notice  and  a  right  to  remedy  Your 
Default in accordance with that law. SunTrust’s acceptance of a payment after the payment Due Date 
or after You have exceeded Your Credit Limit does not waive SunTrust’s right to require immediate 
payment of Your entire full Balance.

How SunTrust will apply payments

You agree that the Minimum Payments on Your Account will be applied in the order SunTrust selects 
in  accordance  with  applicable  law.    SunTrust  may  allocate  Your  Minimum  Payments  to  Balances 
starting with the lowest APR.  Payments in excess of the Minimum Payment will generally be applied 
first to Balances with the highest APR and any remaining portion to the other Balances in descending 
order based on their APRs, unless SunTrust is required by applicable law to use a different payment 
application  method  in  connection  with  a  deferred  interest  or  similar  program.  Payments  are  normally 
applied to restore Your available Credit (the amount of Your unused Credit Limit).  There may be a delay 
in restoring Your available Credit until SunTrust determines whether a payment is likely to be returned for 
insufficient funds or for some other reason.

Amendment (Changes) and Assignment

IMPORTANT NOTICE: In accordance with applicable law, SunTrust may unilaterally change the APRs, 
Other Charges, and other terms of this Agreement at any time. This includes modifications, deletions 
and the addition of new provisions, including non-financial provisions (for example, SunTrust may add 
provisions relating to SunTrust’s enforcement rights or the resolution of claims and disputes). SunTrust 
will send You notice in accordance with the communication method (in writing or via posting of updated 
Agreement  terms  at  https://www.suntrust.com/PersonalBanking/EverydayBanking/CreditCards) 
and  in  the  time  and  manner  required  by  law  for  the  changes  that  SunTrust  intends  to  make  to  Your 
Account and this Agreement.  Changes will be automatically effective on the date SunTrust specifies, 
except as otherwise provided in any change in terms notice SunTrust provides. Use of Your Account is 
not necessary for a change in terms to be effective. You will have the right to reject certain changes and 
pay off Your Account in the same manner and under the same terms and conditions as then in effect, as 
described in any change in terms notice SunTrust provides and as required by applicable law. SunTrust 
may terminate or suspend Your ability to use the Account if You reject certain changes, to the extent 
permitted  by  applicable  law  and  as  described  in  any  change  in  terms  notice  that  SunTrust  provides.  
SunTrust has the right to Assign SunTrust’s rights under this Agreement and any amount You owe to 
SunTrust. You do not have the right to assign or transfer Your rights under this Agreement.

Additional Information

Your liability for unauthorized use of the Card

To report a lost/stolen Card call: 1-800-477-9702. State that You are reporting a lost/stolen Card.  
You must notify the Bank promptly in the event of loss, theft, or unauthorized use of Your Card.  This 
notification responsibility means that You should regularly check Your Statements to review charges that 
post to Your Account to confirm that unauthorized charges have not posted to Your Account.

You may be liable for the unauthorized use of Your Card. If unauthorized use of Your Account occurs, 
You agree to cooperate with SunTrust and law enforcement authorities in identifying the unauthorized 
user.  However, You will not be liable for unauthorized use that occurs after You notify SunTrust orally or 
in writing of the loss, theft, or possible unauthorized use. In any case, Your liability will not exceed $50 for 
each occurrence of loss or theft or any lesser amount required by applicable law or the requirements of 
the Card Association. You may write to SunTrust at: Cardholder Services, P.O. Box 621569, Orlando, 
FL  32862-1569.

Ownership of the Card

Your Card and any Convenience Checks or other Credit instrument or device that SunTrust provides to 
You are SunTrust’s property and must be returned to SunTrust or SunTrust’s agent immediately upon 
demand. At SunTrust’s request You will destroy Your Card, other Credit instruments or devices and/or 

special checks, by cutting them in half and surrendering those items to SunTrust or SunTrust’s agent by 
mailing them to SunTrust or dropping them off at SunTrust’s office.

Credit Limits, Authorization, and Convenience Checks

Unless Your Account type or SunTrust permits You to exceed Your Credit Limit, You agree to not 
exceed the Credit Limit that SunTrust establishes for You, but if You do, You agree to pay the over 
Credit  Limit  amount  as  part  of  Your  next  Minimum  Payment.  SunTrust  may  raise  or  lower  Your 
Credit  Limit  at  SunTrust’s  discretion,  as  permitted  by  applicable  law.    SunTrust  is  not  liable  to  You 
for decreases that affect Your Credit Limit or spending limits. Each of You may request an increase to 
the Credit Limit of a joint Account. If You were required to have a joint Account because one of You 
was less than 21 years of age when Your Account was opened and that individual remains less than 21 
years of age when SunTrust considers raising the Credit Limit of Your joint Account, SunTrust will not 
increase the Credit Limit until all of You approve and assume in writing joint liability for an increase to the 
Credit Limit of the joint Account. SunTrust may establish separate limits that restrict the amount of the 
Credit Limit available for Cash Advances or Balance Transfers.  SunTrust may decline authorization 
for any transaction at any time.  SunTrust is not liable for declining authorization for any transaction, 
regardless of SunTrust’s reason.  All transactions on Your Account are subject to approval based upon 
Your Account status, available Credit, credit history and other factors.  You may not stop the payment 
of any Card transaction.

SunTrust may reject and return unpaid any Convenience Check that You write for any reason.  You 
must pay SunTrust for any Convenience Check that SunTrust pays, even if SunTrust were permitted 
to reject and return the Convenience Check, unless the Convenience Check constitutes unauthorized 
use.  SunTrust may refuse to issue Convenience Checks or, upon notice to You, refuse to permit the 
use of Convenience Checks already issued.  You may call SunTrust at 1-800-477-9702 to place a stop 
payment on an unpaid Convenience Check.  SunTrust will charge the stop payment fee.  You must 
provide SunTrust the date, amount, name of payee, and the number of the Convenience Check.  If 
any information You provide is incorrect or if You do not afford SunTrust a reasonable opportunity to act 
on Your request, SunTrust may not be able to stop payment.  Once a Convenience Check has been 
paid, SunTrust will not be able to reverse the payment.  Your stop payment request will remain valid for 
6 months.  You must renew Your request before it expires if You want SunTrust to continue honoring 
the stop payment request after the initial 6 month period.  You agree to hold harmless and indemnify 
SunTrust  from  any  losses,  expenses  and  costs,  including  attorneys’  fees  incurred  by  SunTrust,  for 
preventing or failing to prevent payment.

Individual Liability

You, as a Cardholder, are liable for all Credit obtained under Your Account(s), whether obtained by 
You, another Cardholder or an Authorized User of the Account. If there is more than one Cardholder 
on the Account, each of You is liable, jointly and severally, for all Credit obtained under the Account(s), 
regardless of which of You obtains that Credit or benefits from it.

Termination

Either You or SunTrust may terminate this  Agreement or suspend  Your Credit privileges under this 
Agreement  at  any  time,  with  or  without  cause.  You  will  not  try  to  make  any  Purchases  or  Balance 
Transfers or try to obtain any Cash Advances or Overdraft Advances on Your Account after Your 
Credit privileges have been terminated or suspended. However, this Agreement will otherwise remain in 
full force and effect until You pay all sums due SunTrust.

Applicable Law

Applicable  Law.  Except  as  expressly  set  forth  in  the  Arbitration  Provision  of  this  Agreement,  this 
Agreement and the interpretation and enforcement thereof (including but not limited to the exportation of 
interest rates) will be governed by Federal law applicable to SunTrust and to the extent not preempted by 
Federal law, the laws of the State of Georgia without regard to its conflicts of law provisions and principles.  
If there is any conflict between any of the terms and conditions of this Agreement and applicable Federal 
or  State  law,  this  Agreement  will  be  considered  changed  to  the  extent  necessary  to  comply  with  the 
applicable law. You agree that all terms of this Agreement are material to the determination of interest.  
SunTrust accepts this Agreement in its home state, Georgia.

Military Lending Act

The  Military  Lending  Act  provides  protections  for  certain  members  of  the  Armed  Forces  and  their 
dependents (“Covered Borrowers”). The provisions of this section apply to Covered Borrowers under the 
Military Lending Act. If you would like more information about whether you are a Covered Borrower and 
whether this section applies to you, please contact us at 1-844-310-5891. Statement of MAPR. Federal 
law  provides  important  protections  to  members  of  the Armed  Forces  and  their  dependents  relating  to 
extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces 
and his or her dependent may not exceed an Annual Percentage Rate of 36%. This rate must include, 
as applicable to the credit transaction or account: (1) the costs associated with credit insurance premiums; 
(2) fees for ancillary products sold in connection with the credit transaction; (3) any application fee charged 
(other than certain application fees for specified credit transactions or accounts); and (4) any participation 
fee charged (other than certain participation fees for a credit card account). Oral Disclosures. In order to 
hear important Military Lending Act disclosures and payment information provided in this Note, please call 
1-844-310-5891. Applicability of Jury Trial Waiver, Class Action Waiver, and Arbitration Provision. The Jury 
Trial Waiver, Class Action Waiver, and Arbitration Provision set forth in this Note do not apply to Covered 
Borrowers under the Military Lending Act.

Jury Trial Waiver

UNLESS  YOU  ARE  A  COVERED  BORROWER  UNDER  THE  MILITARY  LENDING  ACT  AND  TO 
THE  EXTENT  PERMITTED  BY  APPLICABLE  LAW,  FOR  ANY  MATTERS  NOT  SUBMITTED  TO 
ARBITRATION,  YOU  AND  SUNTRUST  HEREBY  KNOWINGLY,  VOLUNTARILY,  INTENTIONALLY 
AND IRREVOCABLY WAIVE THE RIGHT TO A TRIAL BY JURY WITH RESPECT TO ANY LITIGATION 
ARISING OUT OF THIS AGREEMENT, RELATING TO THE CREDIT, OR ANY OTHER DISPUTE OR 
CONTROVERSY BETWEEN YOU AND SUNTRUST.

Class Action Waiver

UNLESS  YOU  ARE  A  COVERED  BORROWER  UNDER  THE  MILITARY  LENDING  ACT  AND  TO 
THE  EXTENT  PERMITTED  BY  APPLICABLE  LAW,  FOR  ANY  MATTERS  NOT  SUBMITTED  TO 
ARBITRATION,  YOU AND  SUNTRUST  HEREBY AGREE THAT ANY  LITIGATION ARISING  OUT  OF 
THIS AGREEMENT, RELATING TO THE ACCOUNT, OR ANY OTHER DISPUTE OR CONTROVERSY 
BETWEEN  YOU  AND  SUNTRUST  WILL  PROCEED  ON  AN  INDIVIDUAL  BASIS  AND  WILL  NOT 
PROCEED AS PART OF A CLASS ACTION AND THAT YOU AND SUNTRUST HEREBY  KNOWINGLY, 
VOLUNTARILY, INTENTIONALLY AND IRREVOCABLY WAIVE ANY RIGHT TO PROCEED IN A CLASS 
ACTION OR TO SERVE AS A CLASS REPRESENTATIVE.

Other Products and Services

SunTrust will, at Your request, arrange for an overnight courier to deliver additional or replacement Cards 
on an expedited basis. The charge assessed by the overnight courier will be added to Your Account 
Balance. From time to time, new products, optional services or enhancements (for example, insurance 
or Card registration) may be offered on Your Account. SunTrust is not liable for these features, services 
and enhancements, when they are the responsibility of a third party provider. You agree to hold SunTrust 
harmless from any claims, actions or damages resulting from Your use of any of these features, services 
or enhancements, when permitted by applicable law. SunTrust reserves the right to adjust, add, or delete 
benefits and services at any time.

Credit Inquiries

You authorize SunTrust to make or have made any credit, employment, and investigative inquiries that 
SunTrust deems appropriate related to the extension or collection of Credit under the Account. If You 
dispute  credit  information  SunTrust  is  reporting  about  You,  You  may  notify  SunTrust  at  Cardholder 
Services, Attention: Dispute Department, P.O. Box 620548, Orlando, FL  32862-0548.

Consumer Reporting Agencies (Credit Bureaus)

It is standard banking industry practice and within federal and state law for SunTrust routinely to provide 
data  about  customer  loan  repayment  and  transactions  to  consumer  reporting  agencies  and  other 
creditors.  SunTrust may report information about Your Account(s) to credit bureaus.  Late Payments, 
missed payments, or other Defaults on Your Account(s) may be reflected in Your credit report.

Sharing of Information

SunTrust may, to the extent and in the manner permitted by applicable law, communicate information 
about SunTrust’s experiences and transactions with You to consumer reporting agencies, SunTrust’s 
affiliates, and others who may properly receive that information.  You may refer to SunTrust’s Privacy 
Statement  for  more  details  about  how  SunTrust  collects,  uses,  retains,  discloses,  and  safeguards 
information about You and Your Account. SunTrust’s Privacy Statement is provided when consumer 
Cardholders  establish  a  customer  relationship  with  SunTrust,  once  each  year  while  Cardholders 
maintain a customer relationship with SunTrust, and at other times required by law. You may request 
an additional copy of SunTrust’s Privacy Statement by calling SunTrust at 1-800-477-9702 or sending a 
written request to SunTrust at Cardholder Services, Attention: Customer Service, P.O. Box 621629, 
Orlando, FL  32862-1629.

Waiver

SunTrust’s failure to exercise, or SunTrust’s delay in exercising, any of SunTrust’s rights under the 
Agreement for any reason will not mean that SunTrust will be unable to exercise those rights later.

Severability

The invalidity of any provision of the Agreement will not affect the validity of any other provision.

Entire Agreement

This  Agreement,  as  modified  from  time  to  time  in  accordance  with  applicable  law  by  any  change  in 
terms that SunTrust will deliver to You (in writing or via update to Agreement terms that are published 
at  https://www.suntrust.com/PersonalBanking/EverydayBanking/CreditCards),  constitutes 
the 
entire Agreement between You and SunTrust, and supersedes any prior negotiation or understanding 
between You and SunTrust concerning the subject matter of this Agreement. Section headings are for 
convenience only and are to be disregarded when interpreting this Agreement.

Illegal Transaction

Any financial service that SunTrust provides pursuant to this Agreement may be used for any transaction 
permitted by law in accordance with this Agreement. You agree that illegal use of any financial service 
will be deemed an action of Default and/or breach of contract and that SunTrust may terminate any such 
financial service and/or other related services at SunTrust’s discretion.  You will remain responsible for 
paying for a transaction, even if it is not permissible. If any illegal use occurs, You also agree to waive any 
right to sue SunTrust for such illegal use or any activity directly or indirectly related to it and indemnify 
and hold SunTrust harmless from any suits or other legal action or liability, directly or indirectly, resulting 
from such illegal use.

Emergency Card Replacement and Cash Disbursement

You and any Authorized User agree and authorize SunTrust to provide Your personal data to the Card 
Association, its members, or their respective contractors for the purpose of providing Emergency Card 
Replacement and Emergency Cash Disbursement benefits to You on Your Account.

Arbitration Provision

READ  THIS  PROVISION  CAREFULLY  AS  IT  WILL  HAVE  A  SUBSTANTIAL  IMPACT  ON  HOW 
DISPUTES AND CLAIMS THAT YOU AND/OR SUNTRUST HAVE(HAS) AGAINST EACH OTHER ARE 
RESOLVED.

THIS ARBITRATION PROVISION DOES NOT APPLY IF, AS OF THE DATE OF THIS AGREEMENT, 
YOU  ARE  A  COVERED  BORROWER  UNDER  THE  FEDERAL  MILITARY  LENDING  ACT.  IF  YOU 
WOULD  LIKE  MORE  INFORMATION ABOUT  WHETHER YOU ARE  COVERED  BY  THE  MILITARY 
LENDING  ACT,  IN  WHICH  CASE  THIS  ARBITRATION  PROVISION  DOES  NOT  APPLY  TO  YOU, 
PLEASE CONTACT US AT 1-844-310-5891. YOU HAVE THE RIGHT TO REJECT THIS ARBITRATION 
PROVISION AS SET FORTH BELOW. If You do not reject this Arbitration Provision, for a Claim 
subject to arbitration, neither You nor SunTrust will have the right to: (1) have a court or a jury 
decide the Claim; (2) engage in information-gathering (discovery) to the same extent as in court; 
(3) participate in a class action in court or in arbitration; or (4) join or consolidate Your Claim(s) 
with claims of any other person.  The right to appeal is more limited in arbitration than in court and 
other rights in court may be unavailable or limited in arbitration.

Claims Subject to Arbitration

A “Claim” subject to arbitration is any claim, dispute or controversy between You and SunTrust (other than 
an Excluded Claim or Proceeding as set forth below), whether preexisting, present or future, which arises 
out of or relates to the Credit, this Agreement or any transaction conducted with SunTrust in connection 
with the Credit or this Agreement.  “Claim” has the broadest possible meaning and includes initial claims, 
counterclaims, cross-claims, third-party claims, and federal/state/local/administrative claims.  It includes 
disputes based upon contract, tort, consumer rights, fraud and other intentional torts, constitution, statute, 
regulation, ordinance, common law, and equity, and includes claims for money damages and injunctive or 
declaratory relief.  Upon Your demand or SunTrust’s demand, Claim(s) will be resolved by individual (not 
class or class-wide) binding arbitration in accordance with the terms specified in the Arbitration Provision.  

Excluded Claim or Proceeding

Notwithstanding  the  foregoing,  will  not  be  subject  to  the  Arbitration  Provision:  (1)  any  dispute  or 
controversy about the validity, enforceability, coverage or scope of the Arbitration Provision or any part 
thereof (including, without limitation, the Class Action Waiver set forth in the Arbitration Provision and/or 
this sentence); all such disputes or controversies are for a court and not an arbitrator to decide; however, 
any dispute or controversy that concerns the validity or enforceability of the Agreement as a whole is 
for the arbitrator, not a court, to decide; (2) any individual action brought by You or SunTrust in small 
claims court or Your state’s equivalent court, unless such action is transferred, removed, or appealed to 
a different court; (3) the exercising of any self-help or non-judicial remedy, including enforcement of a 
security interest if the Credit is secured by collateral; (4) any action to the extent that it seeks provisional 
or ancillary remedies in connection with the foregoing; and (5) any individual action in court by one party 
that is limited to preventing the other party from using a self-help remedy and that does not involve a 
request for damages or monetary relief of any kind.  The institution and/or maintenance of any such right, 
action or litigation will not constitute a waiver of the right of either You or SunTrust to compel arbitration 
regarding any other dispute subject to arbitration pursuant to the Arbitration Provision.  Moreover, the 
Arbitration Provision will not apply to any Claims that are the subject of (a) a class action filed in court that 
is pending as of the effective date of the Arbitration Provision in which You are alleged to be a member 
of the putative class (however, You and SunTrust will continue to be bound by any prior version of the 
Arbitration  Provision)  or  (b)  a  motion  to  compel  arbitration  filed  by  SunTrust  against  You  before  the 
effective date of the Arbitration Provision pursuant to a prior version of the Arbitration Provision (however, 
You and SunTrust will continue to be bound by any prior version of the Arbitration Provision).

Arbitration Provision Governing Law

Notwithstanding any choice of law or other provision in this Agreement, You and SunTrust agree and 
acknowledge that this Arbitration Provision evidences a transaction involving interstate commerce and 
that the Federal Arbitration Act (Title 9 of the United States Code) (“FAA”) will govern its interpretation and 
enforcement and proceedings pursuant thereto.  To the extent state law is applicable under FAA, the law 
of the state governing Your Account relationship with SunTrust shall apply.

Class Action Waiver

Notwithstanding  any  other  provision  of  this  Agreement,  if  either  You  or  SunTrust  elect(s)  to 
arbitrate a Claim, neither You nor SunTrust will have the right (1) to participate in a class action, 
private attorney general action or other representative action in court or in arbitration, either as a 
class representative or class member; or (2) to join or consolidate Claims with claims of any other 
persons.  No arbitrator will have authority to conduct any arbitration in violation of this provision; 
provided, however, that the Class Action Waiver does not apply to any lawsuit or administrative 
proceeding  filed  against  SunTrust  by  a  state  or  federal  government  agency,  even  when  such 
agency is seeking relief on behalf of a class of borrowers, including You.  This provision means 
that SunTrust will not have the right to compel arbitration of any claim brought by such an agency.  
You  and  SunTrust  acknowledge  that  the  Class  Action  Waiver  is  material  and  essential  to  the 
arbitration of any disputes between us and is non-severable from this Arbitration Provision.  If 
the Class Action Waiver is limited, voided, or found unenforceable, then this Arbitration Provision 
(except for this sentence) will be null and void with respect to such Claim(s) (but not as to any 
other Claim(s) that have been or are later brought), subject to the right to appeal the limitation or 
invalidation of the Class Action Waiver.  You and SunTrust acknowledge and agree that under no 
circumstances will a class action be arbitrated.

Arbitration Procedures

If You or SunTrust elect(s) to arbitrate a Claim, the electing party must notify the other party in writing.  
This notice can be given after the beginning of a lawsuit and can be given in papers filed in the lawsuit.  
Otherwise, a notice must be sent to SunTrust Bank Legal Department, Attn: General Counsel – Arbitration 
Election, Mail Code 0643, 303 Peachtree St., N.E., 36th Floor, Atlanta, Georgia 30308 and our notice must 
be sent to the most recent address for You in our files.    Any  arbitration  hearing  that  you  attend  must 
take  place  in  a  venue  reasonably  convenient  to  you.  If  a  party  files  a  lawsuit  in  court  asserting 
Claim(s)  that  are  subject  to  arbitration  and  the  other  party  files  a  motion to compel arbitration with the 
court which is granted, it will  be the responsibility of the party prosecuting the Claim(s) to commence  the 
arbitration  proceeding with an arbitration administrator  in accordance with this Arbitration Provision and 
the  administrator’s  rules  and  procedures.  

The  arbitration  will  be  administered  by  JAMS,  1920  Main  Street,  Suite  300,  Irvine,  CA  92614,  www.
jamsadr.com, 1-800-352-5267. The rules and forms of JAMS may be obtained by writing to JAMS at the 
address listed above or visiting their website. If JAMS is unable or unwilling to serve as administrator, You 
and SunTrust may agree upon another administrator or, if You and SunTrust are unable to agree, a 
court shall determine the administrator. No company may serve as administrator, without the consent 
of both You and SunTrust, if it adopts or has in place any formal or informal policy that is inconsistent with 
and purports to override the terms of this Arbitration Provision. The arbitration will proceed in accordance 
with  this  Arbitration  Provision  and  the  administrator’s  rules  and  procedures  including  any  expedited 
procedures but in the event of a conflict, the provisions of this Arbitration Provision shall control.

A single arbitrator will be appointed by the administrator and, unless You and SunTrust agree otherwise, 
must  be  a  practicing  attorney  with  10  or  more  years  of  experience  or  a  retired  judge.   The  arbitrator 
will not be bound by judicial rules of procedure and evidence that would apply in a court, nor by state 
or local laws that relate to arbitration provisions or proceedings.  The arbitrator will honor and enforce 
statutes of limitation and claims of privilege recognized under applicable law.  In determining liability and/
or awarding damages or other relief, the arbitrator will follow the applicable substantive law (consistent 
with this Agreement and the FAA) that would apply if the matter had been brought in court.  The arbitrator 
may award any damages or other relief or remedies permitted by applicable law.  For Claims that total 
less than $75,000.00, at Your written request, SunTrust will pay all filing, hearing and/or other fees that 
the administrator and arbitrator charge You for Claim(s) that You assert in arbitration after You have 
paid an amount equivalent to the fee, if any, for filing such Claim(s) in state or federal court (whichever 
is less) in the judicial district in which You reside. If You have already paid a filing fee for asserting the 
Claim(s)  in  court,  You  will  not  be  required  to  pay  that  amount  again.  In  addition,  the  administrator 
may  have  a  procedure  whereby  You  can  seek  a  waiver  of  fees  that  the  administrator  and  arbitrator 
charge You.  SunTrust will always pay any fees or expenses (1) that SunTrust is required to pay by 
law or the administrator’s rules or (2) that SunTrust is required to pay for this Arbitration Provision to 
be enforced.  The arbitrator will have the authority to award attorneys’ and expert witness fees and costs 
to the extent permitted by this Agreement, the administrator’s rules, or applicable law.  The arbitrator 
shall award You Your reasonable attorneys’ and expert witness fees and costs (1) if and to the extent 
You prevail on Claims You assert against SunTrust in an arbitration commenced by You or (2) to the 
extent required under applicable law for this Arbitration Provision to be enforced.  The arbitrator will write 
a brief explanation of the grounds for the decision.  A judgment on the award may be entered by any 
court having jurisdiction.

Continued Effect of Arbitration Provision, Severability, and Conflicts

Notwithstanding  any  other  provision  of  this  Agreement,  to  the  extent  permitted  by  applicable  law, 
this  Arbitration  Provision  will  survive  (1)  any  modification,  extension  or  forbearance  of  or  under  this 
Agreement; (2) Your full repayment of the Credit; (3) any sale or transfer of the Credit; (4) any SunTrust 
legal proceeding to collect a debt that You owe; (5) any bankruptcy (except where prohibited by bankruptcy 
law); and (6) the termination, cancellation, suspension, or rejection of this Agreement.  If any portion of 
this Arbitration Provision (other than the Class Action Waiver) cannot be enforced, the rest of this Provision 
will continue to apply.  In the event of a conflict between this Arbitration Provision and any applicable rules 
of JAMS or other administrator used, the provisions of this Arbitration Provision will control. 

Effect of Arbitration Award

The arbitrator’s award will be final and binding on all parties, except for any right of appeal provided by 
the FAA. However, if the amount of the Claim exceeds $50,000 or involves a request for injunctive or 
declaratory relief that could foreseeably involve a cost or benefit to You or SunTrust exceeding $50,000, 
either You or SunTrust may, within 30 days after the entry of the award by the arbitrator, appeal the 
award to a three-arbitrator panel administered by the administrator.  The panel will reconsider anew 
any aspect of the initial award requested by the appealing party.  The decision of the panel will be by 
majority vote.  Reference in this Arbitration Provision to “the arbitrator” will mean the panel if an appeal of 
the arbitrator’s decision has been taken.  The costs of such an appeal will be borne in accordance with 
the above paragraph titled “Arbitration Procedures.”  Any final decision of the appeal panel is subject to 
judicial review only as provided under the FAA.

Notice, Cure, and Special Payment

Prior to initiating a Claim, You may give SunTrust a written Claim notification describing the basis of Your 
Claim and the amount You would accept in resolution of the Claim, and a reasonable opportunity, not 
less than thirty (30) days, to resolve the Claim.  Such a Claim notification must be sent to SunTrust by 
certified mail, return receipt requested, at SunTrust Bank Legal Department, Attention: General Counsel 
– Claim Notice, 303 Peachtree Street N.E., Suite 3600, Mail Code 0643, Atlanta, Georgia 30308. This 
is the sole and only method by which You can submit a Claim notification.  If (1) You submit a Claim 
notification in accordance with this paragraph on Your own behalf (and not on behalf of any other party); 
(2) You cooperate with SunTrust by promptly providing the information SunTrust reasonably requests; 
(3) SunTrust refuses to provide You with the relief You request; and (4) the matter then proceeds to 
arbitration and the arbitrator subsequently determines that You were entitled to such relief (or greater 
relief),  You  will  be  entitled  to  a  minimum  award  of  at  least  $7,500  (not  including  any  arbitration  fees 
and attorneys’ fees and costs to which You will also be entitled).  SunTrust encourages You to address 
all Claims You have in a single Claim notification and/or a single arbitration.  Accordingly, this $7,500 
minimum award is a single award that applies to all Claims You have asserted or could have asserted in 
the arbitration.  Multiple awards of $7,500 are not contemplated.

Right to Reject Arbitration Provision

You may reject this Arbitration Provision and therefore not be subject to being required to resolve any 
claim,  dispute,  or  controversy  by  arbitration.    To  reject  this  Arbitration  Provision,  You  and  only  You 
personally,  must  send  SunTrust  written  notice  of  Your  decision  so  that  SunTrust  receives  it  at  the 
address listed below within forty-five (45) days after the opening date of Your Account.  Such notice must 
include a statement that You wish to reject this Arbitration Provision, along with Your name, address, 
Account number, and Your signature and must be mailed to the SunTrust Legal Department, Attention: 
Arbitration Rejection, P.O. Box 4418, Mail Code 0643, Atlanta, GA 30302-4418.  This procedure is the 
sole and only method by which You can reject this Arbitration Provision and any attempt to reject this 

Arbitration Provision by any other person or through any other method or form of notice, including the 
filing of a lawsuit, will be ineffective.  Rejection of this Arbitration Provision will not affect any remaining 
terms of this Agreement and will not result in any adverse consequence to You or Your Account.  You 
agree that SunTrust’s business records will be final and conclusive with respect to whether You rejected 
this Arbitration Provision in a timely and proper fashion.  This Arbitration Provision will apply to You 
and SunTrust and to Your Account unless You reject it by providing proper and timely notice as 
stated herein.

Your Billing Rights

Keep this notice for future use.  It informs You about Your rights and SunTrust’s responsibilities 
under the Fair Credit Billing Act.

What to do if You find a mistake on Your Statement
	If You think there is an error on Your Statement, write SunTrust at:

	 SunTrust Bank

Cardholder Services, P.O. Box 620548, Orlando, FL 32862-0548
Attn: Dispute Department

	In Your letter, give SunTrust the following information:

	 Account information: Your name and Account number
	 Dollar amount: The amount of the suspected error
	 Description of problem:  If You think there is an error on Your Statement, describe what You 

believe is wrong and why You believe it is a mistake.

	You must contact SunTrust:

payment on the amount You think is wrong.

	 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 
	You must notify SunTrust of any potential errors in writing.  You may also call SunTrust, but 
SunTrust is not required to investigate any potential errors and You may have to pay the amount 
in question unless You provide written notice of the suspected error.

What will happen after SunTrust receives Your letter
	When SunTrust receives Your letter, SunTrust must do two things:

	 Within 30 days of receiving Your letter, SunTrust must inform You that SunTrust received 
Your letter; SunTrust will also inform You if SunTrust has already corrected the error.
	 Within 90 days after receiving Your letter, SunTrust must either correct the error or explain 

to You why SunTrust believes the bill is correct.

	While SunTrust investigates whether or not there has been an error:

	 SunTrust  may  not  (1)  attempt  to  collect  the  amount  in  question  or  (2)  report  You  as 

delinquent on that amount;

	 The  charge  in  question  may  remain  on  Your  Statement,  and  SunTrust  may  continue  to 

charge You interest on that amount;

	 While You do not have to pay the amount in question, You are responsible for the remainder 

of Your Balance; and

	 SunTrust may apply any unpaid amount against Your Credit Limit.
	After SunTrust finishes the investigation, one of two things will happen:

	 If SunTrust made a mistake, You will not have to pay the amount in question or any interest 

or other fees related to that amount; or

	 If  SunTrust  does  not  believe  there  was  a  mistake,  You  will  have  to  pay  the  amount  in 
question,  along  with  applicable  interest  and  fees;  SunTrust  will  send  You  a  statement  of 
the amount You owe and the date payment is due; and SunTrust may then report You as 
delinquent if You do not pay the amount SunTrust states that You owe.
	If  You  receive  SunTrust’s  explanation  but  still  believe  Your  bill  is  wrong,  You  must  write  to 
SunTrust within 10 days telling SunTrust that You still refuse to pay.  If You do so, SunTrust 
cannot  report  You  as  delinquent  without  also  reporting  that  You  are  questioning  Your  bill.  
SunTrust must tell You the name of anyone to whom SunTrust reported You as delinquent, 
and  SunTrust  must  let  those  organizations  know  when  the  matter  has  been  settled  between 
SunTrust and You.
	If SunTrust does not follow all of the rules above, You do not have to pay the first $50 of the 

amount You question even if Your bill is correct.

Your rights If You are dissatisfied with a Purchase
	If You are dissatisfied with the goods or services that You Purchase with Your Card/Account, 
and You have tried in good faith to correct the problem with the merchant, You may have the right 
not to pay the remaining amount due on the Purchase.  To use this right, all of the following must 
be true:

	 The Purchase must have been made in Your home state or within 100 miles of Your current 
mailing address, and the purchase price must have been more than $50.  (Note:  Neither of 
these conditions applies if Your Purchase was based on an advertisement SunTrust mailed 
to You, or if SunTrust owns the company that sold You the goods or services.)

	 You must have used Your Card for the Purchase.  Purchases made with cash advances 

from an ATM or with a check that accesses Your Account do not qualify.

	 You must not yet have fully paid for the Purchase.

	If  all  of  the  criteria  above  are  met  and  You  are  still  dissatisfied  with  the  purchase,  contact 

SunTrust in writing at:

	 SunTrust Bank

Cardholder Services, P.O. Box 620548, Orlando, FL 32862-0548
Attn: Dispute Department

 
 
While SunTrust investigates, the same rules apply to the disputed amount as discussed above.   After 
SunTrust finishes the investigation, SunTrust will tell You SunTrust’s decision. At that point, if SunTrust 
thinks You owe an amount and You do not pay, SunTrust may report You as delinquent. 

Definitions

Account – The credit card Account(s) SunTrust approves for Your use that is/are subject to the terms 
and conditions of this Agreement.

Agreement – Your Card Account Agreement with SunTrust for the Account, which contract is made up of 
these terms and conditions, Your application or response to SunTrust’s solicitation, and the documents 
that accompany delivery of Your Card (Card Mailer).

APR (Annual Percentage Rate) – The cost of Your Credit as a yearly rate.  Different APRs may apply 
to different Balances on Your Account, such as Your Balance on Purchases or Your Balance on Cash 
Advances.    SunTrust  uses  the  applicable APR  to  calculate  the  Interest  Charge  that  You  owe  on  the 
Account.  The Card Mailer discloses applicable APRs and whether the Account is subject to a Variable 
or Non-Variable APR.

Non-Variable APR – The DPR subject to the Non-Variable Rate will be based on an APR that does 
not vary with changes in an Index Rate.  The Card Mailer discloses the APR for the Non-Variable Rate 
as of the date Your Account was opened.

Variable APR –The variable APR will be based on the Index Rate plus a Margin.  The Card Mailer 
discloses  the APR  for  the  Variable  Rate.     An  increase  in  the  Index  Rate  may  result  in  a  higher 
Minimum Payment.  

Assign – SunTrust Assigns Your Account and this Agreement if SunTrust sells or transfers to another 
party any or all of SunTrust’s rights or obligations under this Agreement, including any amount that You 
owe SunTrust on the Account.  If SunTrust Assigns Your Account, the party who receives the assignment 
will have SunTrust’s rights under this Agreement, subject to the extent of the assignment.

Authorized Charges – Any Purchases, Balance Transfers, Cash Advances, Overdraft Advances, and 
Promotional Balances that You or any Authorized User makes on the Account and any fees and Interest 
Charges owing on the Account.

Authorized User – Any person You authorize to use the Card (whether Cardholder or not and whether or 
not such use exceeds the limit You authorized or intended).

Average Daily Balance – To get the Average Daily Balance, SunTrust adds the outstanding Balance 
(including new transactions and deducting payments and credits) for each transaction type for each day in 
the Billing Period; SunTrust adds together all the daily Balances for each separate transaction type, and 
then divides by the number of days in the Billing Period.

Balance – Every charge on the Account, including transactions that You make and Interest Charges and 
fees that SunTrust assesses, falls into a specific Balance, such as the Balance on Purchases, Balance 
Transfers, Cash Advances, Overdraft Advances, and Promotional Balances.  Fees that are based on a 
specific transaction are assigned to the same Balance as the applicable transaction.  For example, a 
foreign transaction fee on a Purchase is assigned to the Balance on Purchases.  Fees that are not specific 
to a given transaction with the Card (like a Returned Payment) are assigned to the Balance on Purchases.

Balance  Transfer  –  Credit  SunTrust  extends  resulting  from  a  Balance  Transfer  that  You  request  by 
any means (including telephone, Convenience Check, or Balance Transfer request form that SunTrust 
provides).  SunTrust’s policy is not to allow You to transfer any Balance You owe from any other account 
with SunTrust or SunTrust’s respective affiliates. SunTrust may permit You to transfer balances from other 
credit card companies or financial institutions to Your Account up to the amount of Your Credit Limit.  If 
You request an amount that SunTrust does not approve, SunTrust may 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 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 p.m. Eastern Time on the Due Date; 
provided, however, that if You make a payment directly to SunTrust personnel at a SunTrust branch, Your 
payment will be credited to Your Account same day as the day of the payment.  Payments initiated through 
SunTrust’s automated telephone service, with a customer service representative, or via SunTrust’s web 
site will be subject to the 5:00 pm payment cut-off time.

Crediting of Payments to Account:  Payments that SunTrust receives prior to 5:00 p.m. Eastern Time 
at the mailing address shown on the front of Your Statement and in the Standard Payment Instructions 
will be credited to Your Account as of the date of receipt.  Payments that SunTrust receives after 5:00 
p.m. Eastern Time will be credited as of the next day, unless You make the payment directly to SunTrust 
personnel at a SunTrust branch after 5 p.m., as stated above. If SunTrust accepts a payment received at 
any other location than the address stated in Your Statement and in the Standard Payment Instructions, 
with no payment coupon enclosed, or that does not conform to the Standard Payment Instructions, that 
payment may be subject to a delay in crediting of up to 5 days after the date of receipt. This delay may 
result in additional Interest Charges, Other Charges, and possible suspension of Your Account.  Payments 
initiated through SunTrust’s automated telephone service (if available) or via SunTrust’s web site will be 
subject to the 5:00 pm payment cut-off time.  

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.

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.

Savings Account – the Savings Account (called “Secured Card Savings Account”) that You opened and 
maintain and pledged (via security interest) to SunTrust to secure payment of your outstanding Balance.

Standard Payment Instructions – These instructions require You to pay your credit Card bill as follows.  

Pay (1) in U.S. dollars, (2) not in cash, unless You pay at one of SunTrust’s branches, (3) from a U.S. 
deposit account or cashier’s check drawn on a U.S. financial institution, (4) without restrictive language 
(e.g., “payment in full”) included or attached to the payment, and (5) not from a credit account that Sun-
Trust provides You, such as a Convenience Check drawn on this Account.  If You make payment in a 
paper form (like a check, money order, or cashier’s check), You must include the payment coupon from 
Your Statement or write Your Card Account number on the payment.  If SunTrust decides in the Bank’s 
discretion to accept a form of payment that does not meet these Standard Payment Instructions, SunTrust 
does not waive the Bank’s right to continue to require payments that comply with these instructions.  If 
SunTrust decides to accept a payment that You make in a foreign currency, SunTrust will choose the 
conversion rate to apply.  The date You mail the payment is different from the date the Bank receives the 
payment.  The payment date is the date that the Bank receives Your payment in accordance with these 
Standard Payment Instructions.  If You fail to comply with these Standard Payment Instructions, credit to 
Your Account for the payment may be delayed.  This delay may result in additional Interest Charges, Other 
Charges, and possible suspension of Your Account.  Contact SunTrust at 1-800-477-9702 to inquire about 
phone pay.  Mailed payments should be sent to:

SunTrust Bank
Cardholder Services
P.O. Box 791278
Baltimore, MD  21279-1278

NOTE:  Any disagreement that You may have with respect to charges on Your Statement must be pre-
sented 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, con-
trolling  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).

The information about the costs of the SunTrust Secured Card with Cash Rewards described in this application is 
accurate as of January 2, 2018. This information may have changed after that date. To find out what may have changed, 
write Cardmember Services, P.O. Box 621569, Orlando, FL 32862-1569.

Interest Rates and Interest Charges

Annual Percentage Rate (APR) 
for Purchases

Prime Rate + 16.74%
This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

Prime Rate + 16.74%
This APR will vary with the market based on the Prime Rate.

APR for Cash Advances and 
Overdraft Advances

Prime Rate + 21.74%
This APR will vary with the market based on the Prime Rate.

How to Avoid Paying Interest 
on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any 
interest on purchases if you pay your entire balance by the due date each month.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $0.50

Fees

Annual Fee

Transaction Fees
• Balance Transfer
• Cash Advance
• Foreign Transaction

Penalty Fees
• Late Payment
• Return Payment

$32

• $10.00 or 4% of the amount of the transfer, whichever is greater
• $10.00 or 4% of the amount of each advance, whichever is greater
• 3% of each transaction after conversion to U.S. dollars

• Up to $38
• Up to $38

How We Will Calculate Your Balance: We use a method called “average daily balance (including new transactions)”.

Prime Rate: We use the prime rate quoted in the “Money Rates” section of The Wall Street Journal on the 28th day (or if the 28th day 
is not a business day, the next business day thereafter) of the prior calendar month.

1The Personal Deposit Account Fee Schedule is accessible at https://www.suntrust.com/Static/Documents/Personal_Banking/
Deposit_Account_Disclosures/FSRETAILE.pdf.

SunTrust Bank, Member FDIC. ©2018 SunTrust Banks, Inc. SunTrust is a federally registered 
service mark of SunTrust Banks, Inc.

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