Prime Rewards Credit Card Account Agreement

P-1908Rev. 03/20What otherimportant termsexist in the CA?Your liability for unauthorized use of the Card – what todo/what happens if Your Card is stolen.What otherimportant termsexist in the CA?Credit Limits, Authorization, and Convenience Checks –spending limits/transaction authorization.Individual Liability – each Cardholder is individually andjointly liable for all Authorized Charges.Termination – You or SunTrust can terminate or suspendYour Credit at any time with/without cause.Sharing of Information – how SunTrust safeguards yourinformation/how-when SunTrust may disclose Your informationto others; refers to SunTrust’s Privacy Statement.Arbitration – the way in which You and SunTrust agree toresolve claims; You have the right to opt out of arbitrationas the agreed upon claims resolution method.Billing Dispute Rights – details Your rights if You disputecharges/are not satisfied with good/services You procurefrom merchants using Your Card/Account.Defined Terms – defines all essential terms used in the CA.dment (Changes) and Assignmentonal Informationation ProvisionBilling Rightstionsrase is defined in the definitionss Agreement. A copy of thed online at www.suntrust.com/t-cards. The most current versioneement shall be published online.e agreement supersedes any priorement with SunTrust starts andwhen (1) You accept and/or sign thethorized User use(s) the Card orCredit from SunTrust.d/Account to make legal Purchases,raft Advances and Balanceponsible for transactions that You,d Authorized Users make, whethergal or not.n has different associated costsction type and associated costs aredetailed in Your monthly Statementtransaction type. The combinedeach transaction type is Your Newccount each month (Billing Period).est Charges, fees, and Otherged to Your Account.u a monthly Statement (bill). Yourized Charges on the Statement.paying in full the New Balanceent or paying in installments thatunt of the Minimum Paymentent. In either case, the paymentast 25 days after the Closing Datet will include any amount past duemit plus the greater of (1) 25.00,nce, or (3) 1% of the New Balanceharges and Other Charges. If thean 25.00, the Minimum Paymentce. If You pay more than theu still must make the Minimumt Statements until You have fullyu must pay in U.S. dollars, withoutn accordance with the Standardast the Minimum Payment by thell charge a Late Payment fee, unlesspt from Late Payment fees. If YouYou will be in Default and You mayeases. If You are in Default for anyequire that the entire outstandingccount be immediately paid.imum Payments on Your Accountrder SunTrust selects.Your Minimum Payments tothe lowest APR (Annual Percentageess of the Minimum Payment willst to Balances with the highestportion to the other Balances ind on their APRs, unless SunTrustle law to use a different paymentconnection with a deferred interestapplied to restore Your availableYour unused Credit Limit). Thereoring Your available Credit untilhether a payment is likely to bet funds or for some other reason.Interest Chargesand TransactionFees in General:SunTrust calculates Interest Charges using the AverageDaily Balance (including new transactions) method.SunTrust also uses compounded interest in calculatingInterest Charges. Compounded interest means that interestis added to the principal that You owe and interest thenapplied each successive Billing Period on the outstandingBalance and new charges. [See the Card Mailer fordisclosure of APRs, corresponding DPRs (Daily PeriodicRate), Minimum Interest Charge, transaction fees, andOther Charges.]Interest Ratesand InterestCharges basedupon CreditInquiries:Your eligibility for Credit, initial and on-going InterestRates, and other CA terms may vary based upon Yourcredit worthiness. You authorize SunTrust to make orhave made any credit, employment, and investigativeinquiries about You that SunTrust deems appropriateabout: (1) whether SunTrust will provide You with a CardAccount and if so at what rates/terms, (2) modificationsto Your Card Account rates/terms while You maintain theAccount, or (3) collection of Credit under Your Accountand other permissible purposes as the law allows.Cost onPurchases:SunTrustwill chargethe InterestCharge (unlessinapplicablebecause of theGrace Period) onYour Purchasesfrom thetransaction date. Any Purchase Balance not paid by the Due Date on theStatement will incur an Interest Charge on the followingmonth’s Statement. The cost for Purchases (DPR Interest Charge, whenit applies) is the Average Daily Balance on Purchasesmultiplied by (1) the number of days in the Billing Periodand (2) the applicable DPR. You will have a Grace Period on any new Purchases thatare reflected for the first time on Your current Statementif You pay Your New Balance on time each Billing Period.Those new Purchases will not be subject to an InterestCharge during the Billing Period reflected in the currentStatement if You satisfy the conditions for applicability ofthe Grace Period.Costs on CashAdvances:SunTrust willcharge the InterestCharge on YourCash Advancesfrom the date theyare posted to YourAccount.The costs for Cash Advances consist of (1) interestcomputed at the applicable DPR on the Average DailyBalance (for Cash Advances) and (2) Cash Advancetransaction fees. The DPR Interest Charge is the AverageDaily Balance on Cash Advances multiplied by (1) thenumber of days in the Billing Period and (2) the applicableDPR. Cash Advances do not have a Grace Period.Cost on OverdraftAdvances:SunTrust will chargethe Interest Chargeon Your OverdraftAdvances fromthe date they areposted to YourAccount.The cost on Overdraft Advances (DPR Interest Charge)is the Average Daily Balance on Overdraft Advancesmultiplied by (1) the number of days in the Billing Periodand (2) the applicable DPR. In accordance with its Rules andRegulations for Deposit Accounts, SunTrust will assess Youits usual deposit account fee for such service, separately,and as part of Your deposit Account fees. OverdraftAdvances do not have a Grace Period.Costs on Balance The costs for Bcomputed at tTransfers:Balance (for BWhen SunTrusttransaction feprovides You aBalance Transfer The DPR Intercheck or BalanceBalance TransTransfer requestthe Billing Perform or when You SunTrust mayrequest a BalanceTransfer PromTransfer, SunTrustTransfer Interwill charge theCard Mailer teInterest Chargefees will be dion Your BalanceOffer. UnlessTransfer from theTransfers do ndate it is postedto Your Account.Foreign Currency All Purchase aa foreign curreExchange onthe regulationNon-USexchange) of tTransactions:Your Account If Your Accounwill be shown Conversion matransaction orStatement, wa Credit transdifferent thanrate of the Croriginal transaOther Charges:Late PaymentLate Paymentthe Minimum PStatement, SuPurchase Balanas of the ClosinAnnual Fee. Ifshown on the Cfee to Your PurReturned Paymfrom ReturnedPayment fee tothat You makeor (2) any BalanBalance checkimposed even ifpaid by Your finStop Payment Fpayment fee toto stop paymenAccount or on aDocumentationStatements, salrequest copies oSunTrust will adfor each additioSunTrust will noconnection withMinimum Interest If You incur IntCharges:minimum Intereminimum IntereCharge” on YouChangesSunTrust can chin accordance wpossible changeType of changeWhat may triggechangeInterest Rateincrease on newchargesIn the firstyear, aPromotionalRate endsor the IndexRate changes;after that, anyreasonInterest Rateincrease onexisting BalancesPromotionalperiod ends,Index Ratechanges, orYour Accountis in a workoutarrangement

orized use of the Card – what toCard is stolen.tion, and Convenience Checks –on authorization.h Cardholder is individually andhorized Charges.nTrust can terminate or suspendwith/without cause.how SunTrust safeguards yournTrust may disclose Your informationust’s Privacy Statement.which You and SunTrust agree tothe right to opt out of arbitrationms resolution method.details Your rights if You disputewith good/services You procureur Card/Account.all essential terms used in the CA.rest Charges using the Averagenew transactions) method.ounded interest in calculatingounded interest means that interestthat You owe and interest thenBilling Period on the outstandings. [See the Card Mailer foresponding DPRs (Daily Periodict Charge, transaction fees, andit, initial and on-going Interestms may vary based upon Yourauthorize SunTrust to make ormployment, and investigativet SunTrust deems appropriateTrust will provide You with a Cardat rates/terms, (2) modificationsates/terms while You maintain theon of Credit under Your Accounturposes as the law allows.Costs on Balance The costs for Balance Transfers consist of (1) interestcomputed at the applicable DPR on the Average DailyTransfers:Balance (for Balance Transfers) and (2) Balance TransferWhen SunTrusttransaction fees.provides You aBalance Transfer The DPR Interest Charge is the Average Daily Balance oncheck or BalanceBalance Transfers multiplied by (1) the number of days inTransfer requestthe Billing Period and (2) the applicable DPR.form or when You SunTrust may from time to time offer You Balancerequest a BalanceTransfer Promotional Offers with different BalanceTransfer, SunTrustTransfer Interest Charges and transaction fees than thewill charge theCard Mailer terms. Those different Interest Charges andInterest Chargefees will be disclosed in the Balance Transfer Promotionalon Your BalanceOffer. Unless SunTrust informs You otherwise, BalanceTransfer from theTransfers do not have a Grace Period.date it is postedto Your Account.Foreign Currency All Purchase and Cash Advance transactions processed ina foreign currency will be converted to U.S. dollars underExchange onthe regulations (which affect rate and actual date of theNon-USexchange) of the Card Association before being charged toTransactions:Your Account. If Your Account has a foreign currency transaction fee, itwill be shown on the Card Mailer. Conversion may occur on a date other than the date of thetransaction or the date the transaction is posted to YourStatement, which may affect the conversion rate used. Ifa Credit transaction is processed and has a processing datedifferent than the original transaction, then the exchangerate of the Credit can be greater/less than that of theoriginal transaction.Other Charges:not paid by the Due Date on then Interest Charge on the following(DPR Interest Charge, whenge Daily Balance on Purchasesumber of days in the Billing PeriodDPR.Period on any new Purchases thatst time on Your current Statementalance on time each Billing Period.will not be subject to an Interestng Period reflected in the currenty the conditions for applicability ofnces consist of (1) interestble DPR on the Average Dailyces) and (2) Cash AdvanceR Interest Charge is the Averagedvances multiplied by (1) thelling Period and (2) the applicablenot have a Grace Period.dvances (DPR Interest Charge)ance on Overdraft Advancesmber of days in the Billing PeriodPR. In accordance with its Rules andccounts, SunTrust will assess Youfee for such service, separately,sit Account fees. OverdraftGrace Period.Late Payment Fee. Unless Your Account is exempt fromLate Payment fees, if SunTrust has not received at leastthe Minimum Payment by its Due Date as shown on aStatement, SunTrust will add a Late Payment fee to YourPurchase Balance based on the New Balance outstandingas of the Closing Date for the Statement.Annual Fee. If Your Account has an annual fee, it will beshown on the Card Mailer, and SunTrust will add the annualfee to Your Purchase Balance.Returned Payment Fee. Unless Your Account is exemptfrom Returned Payment fees, SunTrust will add a ReturnedPayment fee to Your Purchase Balance if (1) a paymentthat You make or authorize is returned to SunTrust unpaid;or (2) any Balance Transfer, Cash Advance, or PromotionalBalance check is dishonored for any reason. This fee may beimposed even if Your payment is later re-presented to andpaid by Your financial institution.Stop Payment Fee. SunTrust will add a 39.00 stoppayment fee to Your Purchase Balance if You ask SunTrustto stop payment on any Convenience Check drawn on YourAccount or on any Balance Transfer request.Documentation Fee. SunTrust will provide copies ofStatements, sales drafts, etc., to You upon request. If Yourequest copies of more than two items during a Billing Period,SunTrust will add a fee to Your Purchase Balance up to 5.00for each additional copy unless prohibited by applicable law.SunTrust will not impose any fee if Your request is made inconnection with written notice of a billing error.Minimum Interest If You incur Interest Charges in any Billing Period, aCharges:minimum Interest Charge will post to Your Account (suchminimum Interest Charge shown as the “Minimum InterestCharge” on Your Statement).ChangesSunTrust can change some of Your rates and other termsin accordance with applicable law. This table shows somepossible changes.Type of changeWhat may trigger Advance notice of changechangeInterest Rateincrease on newchargesIn the firstyear, aPromotionalRate endsor the IndexRate changes;after that, anyreasonPromotional Rate ends or Index Ratechanges, no notice; otherwise, 45 daysInterest Rateincrease onexisting BalancesPromotionalperiod ends,Index Ratechanges, orYour Accountis in a workoutarrangementNo notice requirement or per terms of theworkout arrangementIncrease ordecrease toCredit LimitAny reasonSome fees andother termsCan change forany reasonCard AccountAgreement (CA)SUMMARY OFKEY TERMSEach bolded wosection at the eAgreement maypersonal-bankiYour Card Account Agreement withwhen You accept and/or sign the CarCard or Account, thus obtaining credCostsYou may use Your Card and AccountOverdraft Advances and Balance Traown Balance. Each type of Balance mInterest Charges.You agree to pay SunTrust for all creInterest Charges, Other Charges andto Your Account. You agree to use Yonot SunTrust’s responsibility to maketransactions, and You will remain reslegal or not. SunTrust may decline autransaction. SunTrust will not be liabInterest Chargesand TransactionFeesThe conditions utransaction feesis a Purchase, CTransfer, or ProSunTrust calculates Interest Chargesnew transactions) method. SunTrustInterest Charges. Compounded interprincipal that You owe and interest tthe outstanding Balance and new chaInterest Charges that apply on YourInterest ChargeCost: Interest Cfor PurchasesPurchases x no.Any Purchase Balance not paid by theInterest Charge on the following mon(DPR Interest Charge, when it appliesmultiplied by (1) the number of days inYou will have a Grace Period on anytime on Your current Statement if YoPeriod. Those new Purchases will noBilling Period reflected in the currenapplicability of the Grace Period.SunTrust will charge the Interest ChGrace Period) on Your Purchases froThe DPR for Purchases (that are subjvary each month based on changes inwhether the Account is subject to aCosts: InterestInterest ChargeAdvances x no.and TransactionAdvance transaFees for CashAdvancesThe costs for Cash Advances consistDPR on the Average Daily Balance (ftransaction fees.The DPR Interest Charge is the Averamultiplied by (1) the number of daysDPR. The Cash Advance transaction fThe DPR for Cash Advances may or min the Index Rate. The Card Mailer dVariable or a Non-variable APR.SunTrust will charge the Interest Chthey are posted to Your Account. CaCost: Interest CInterest ChargeAdvances x no.for OverdraftAdvancesThe cost on Overdraft Advances (DPBalance on Overdraft Advances multPeriod and (2) the applicable DPR. InDeposit Accounts, SunTrust will assesservice, separately, and as part of YoThe DPR for Overdraft Advances maychanges in the Index Rate. The Cardsubject to a Variable or a Non-variabSunTrust will charge the Interest Chathey are posted to Your Account. Ove

ransfers consist of (1) interestable DPR on the Average Dailyansfers) and (2) Balance Transfere is the Average Daily Balance oniplied by (1) the number of days in2) the applicable DPR.e to time offer You BalanceOffers with different Balanceges and transaction fees than these different Interest Charges andthe Balance Transfer Promotionalinforms You otherwise, BalanceGrace Period.Advance transactions processed inbe converted to U.S. dollars underaffect rate and actual date of theAssociation before being charged tooreign currency transaction fee, itrd Mailer.n a date other than the date of thethe transaction is posted to Youraffect the conversion rate used. Ifprocessed and has a processing datenal transaction, then the exchangee greater/less than that of thess Your Account is exempt fromunTrust has not received at leastby its Due Date as shown on all add a Late Payment fee to Youron the New Balance outstandingr the Statement.unt has an annual fee, it will ber, and SunTrust will add the annualance.Unless Your Account is exemptfees, SunTrust will add a Returnedchase Balance if (1) a paymentze is returned to SunTrust unpaid;er, Cash Advance, or Promotionalred for any reason. This fee may bement is later re-presented to andtitution.rust will add a 39.00 stopchase Balance if You ask SunTrustConvenience Check drawn on Yource Transfer request.Trust will provide copies ofetc., to You upon request. If Youan two items during a Billing Period,Your Purchase Balance up to 5.00nless prohibited by applicable law.any fee if Your request is made inotice of a billing error.rges in any Billing Period, ae will post to Your Account (suche shown as the “Minimum Interestent).e of Your rates and other termscable law. This table shows somece notice of changetional Rate ends or Index Rates, no notice; otherwise, 45 daysce requirement or per terms of thet arrangementIncrease ordecrease toCredit LimitAny reasonNoneSome fees andother termsCan change forany reasonUp to 45 days for certain fees andMinimum Payment changesCard AccountAgreement (CA)SUMMARY OFKEY TERMSEach bolded word or phrase is defined in the definitionssection at the end of this Agreement. A copy of theAgreement may be found online at r Card Account Agreement with SunTrust starts and You agree to these termswhen You accept and/or sign the Card or You or an Authorized User use(s) theCard or Account, thus obtaining credit from SunTrust.CostsYou may use Your Card and Account to make Purchases, Cash Advances,Overdraft Advances and Balance Transfers. Each type of charge will have itsown Balance. Each type of Balance may have a separate DPR and correspondingInterest Charges.You agree to pay SunTrust for all credit extended on Your Account, plus anyInterest Charges, Other Charges and other fees and amounts properly chargedto Your Account. You agree to use Your Account only for legal transactions. It isnot SunTrust’s responsibility to make sure You only use Your Account for legaltransactions, and You will remain responsible to pay for any transactions whetherlegal or not. SunTrust may decline authorization for any Internet gamblingtransaction. SunTrust will not be liable if You engage in an illegal transaction.The conditions under which Interest Charges andtransaction fees apply depend upon whether the transactionis a Purchase, Cash Advance, Overdraft Advance, BalanceTransfer, or Promotional Offer.SunTrust calculates Interest Charges using the Average Daily Balance (includingnew transactions) method. SunTrust also uses compounded interest in calculatingInterest Charges. Compounded interest means that interest is added to theprincipal that You owe and interest then applied each successive Billing Period onthe outstanding Balance and new charges.Interest Charges that apply on Your Account are set forth in the Card Mailer.Interest Chargesand TransactionFeesInterest ChargeCost: Interest Charge (Average Daily Balance forfor PurchasesPurchases x no. days in Billing Period x DPR)Any Purchase Balance not paid by the Due Date on the Statement will incur anInterest Charge on the following month’s Statement. The cost for Purchases(DPR Interest Charge, when it applies) is the Average Daily Balance on Purchasesmultiplied 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 firsttime on Your current Statement if You pay Your New Balance on time each BillingPeriod. Those new Purchases will not be subject to an Interest Charge during theBilling Period reflected in the current Statement if You satisfy the conditions forapplicability of the Grace Period.SunTrust will charge the Interest Charge (unless inapplicable because of theGrace Period) on Your Purchases from the transaction date.The DPR for Purchases (that are subject to Interest Charges) may or may notvary each month based on changes in the Index Rate. The Card Mailer discloseswhether the Account is subject to a Variable or a Non-variable APR.Costs: Interest Charge (Average Daily Balance for CashInterest ChargeAdvances x no. days in Billing Period x DPR) Cashand TransactionAdvance transaction fees.Fees for CashAdvancesThe costs for Cash Advances consist of (1) interest computed at the applicableDPR on the Average Daily Balance (for Cash Advances) and (2) Cash Advancetransaction fees.The DPR Interest Charge is the Average Daily Balance on Cash Advancesmultiplied by (1) the number of days in the Billing Period and (2) the applicableDPR. 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 changesin the Index Rate. The Card Mailer discloses whether the Account is subject to aVariable or a Non-variable APR.SunTrust will charge the Interest Charge on Your Cash Advances from the datethey are posted to Your Account. Cash Advances do not have a Grace Period.Cost: Interest Charge (Average Daily Balance for OverdraftInterest ChargeAdvances x no. days in Billing Period x DPR)for OverdraftAdvancesThe cost on Overdraft Advances (DPR Interest Charge) is the Average DailyBalance on Overdraft Advances multiplied by (1) the number of days in the BillingPeriod and (2) the applicable DPR. In accordance with its Rules and Regulations forDeposit Accounts, SunTrust will assess You its usual deposit account fee for suchservice, separately, and as part of Your deposit account fees.The DPR for Overdraft Advances may or may not vary each month based onchanges in the Index Rate. The Card Mailer discloses whether the Account issubject to a Variable or a Non-variable APR.SunTrust will charge the Interest Charge on Your Overdraft Advances from the datethey are posted to Your Account. Overdraft Advances do not have a Grace Period.Costs: Interest CInterest ChargeTransfers x no.and TransactionFees for Balance Transfer transacTransfersThe costs for Balance Transfers consiDPR on the Average Daily Balance (foTransfer transaction fees.The DPR Interest Charge is the Averamultiplied by (1) the number of daysDPR. The Balance Transfer transactio‘Promotional Balance’ Balance Transthat SunTrust may from time to timeOffers with different Balance Transfethe Card Mailer terms. Those differenin the Balance Transfer PromotionalTransfer fee to the ‘Balance Transferinforms You when You make a Balancand Balance Transfer fee will be addePurchases or Cash Advances).Unless SunTrust informs You otherwisePeriod. When SunTrust provides You arequest form or when You request a BaInterest Charge on Your Balance TranThe DPR for Balance Transfers (thatmay not vary each month based on chdiscloses whether the Account is subjCost: Interest CInterest ChargePromotional Bafor PromotionalPromotional RaBalancesSunTrust may from time to time offerPurchases or Balance Transfers throuPromotional Offer, the resulting Promterms of that specific Promotional OfBalance program, any new or differenAgreement (such as the APR, effectivdetailed in the Promotional Offer.The DPR Interest Charge is the Averamultiplied by (1) the number of days inThe Promotional Rate will apply to thPromotional Offer Termination DateTermination Date, be eligible for anoAfter the Termination Date, Your ProPurchases DPR, unless disclosed othefor the Termination Date is a Delinquthe DPR that applies to Your new andPurchase DPR and corresponding APRrequired by applicable law.Minimum Interest ChargeIf You incur Interest Charges in any Bwill post to Your Account (such minimInterest Charge” on Your Statement)Period, the Minimum Interest Chargethe Card Mailer. SunTrust may allocatvarious Balances in the manner that SForeign Currency Exchange for NonAll Pur

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