Signature Advantage®

With all that you’ve done to build your finances, now is your opportunity to benefit from a customized suite of solutions. Signature Advantage Money Management begins with our premium checking account that offers exclusive rewards and benefits, and adds a comprehensive money management program and expert financial advice and planning.

Exclusive BenefitsSignature Advantage Checking1 features the use of any ATM,

anywhere, for free2 and unlimited personalized checks.3 Plus,

as a valued client, you will get three free Overdraft/Returned

Item Fee Waivers4 (per rolling 12 months) and a no-fee small

Safe Deposit Box, or a $45 discount on larger sizes.5

Multiple Accounts

Take advantage of multiple accounts to help you organize and

separate your finances for specific uses. First, you have a choice

of setting up Signature Advantage OR a SunTrust Investment

Services, Inc. Signature Advantage with Brokerage account.

Then, for more flexibility with your personal banking, you can

link up to four additional Essential Checking accounts with no

Monthly Maintenance Fee.

Conveniently organize and monitor your money with one

consolidated statement that shows your linked checking,

investment, retirement and loan accounts.

Person-to-Person Payment Solutions

Signature Advantage comes standard with our no-fee

Popmoney® service. Want to avoid writing a check? Send

money to anyone in the U.S. with just an email address or

phone number. You can use Popmoney to request money, too.

Transactions will clear within three business days.

For a $1 fee, you can send or receive money the next business

day with Popmoney.

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Apple Pay®

Use your SunTrust card with Apple Pay.6 Partner your SunTrust

debit or credit card with an innovative and secure way to pay

for purchases using your iPhone® 6 or iPhone® 6 Plus. For more

information, visit suntrust.com/applepay.

Exclusive Rewards

Personalized Financial Planning

When working with an advisor to develop your financial plan,

you’ll have access to SunTrust SummitView,® an industry-leading

online financial planning platform. SummitView provides you

with a single view of your finances and allows you to safely

and securely store your vital financial documents, helping you

organize, plan and track your progress toward your goals.

Credit Card

With SunTrust credit cards, you’ll earn a 25% Cash Deposit

Bonus (or even up to a 50% bonus) based on your deposit

relationship with SunTrust every time you redeem cash back

directly into your SunTrust checking, savings or money market

account.7 Whether you’re interested in cash back, travel rewards

or balance transfer savings, our cards are built to fit your life.

(Applicable to SunTrust Cash Rewards, Travel Rewards and

Prime Rewards credit cards, and subject to credit approval.)

Money Market Account

Spend, save and manage your finances with greater ease

when you open a Signature Money Market Savings account

that comes with a special introductory interest rate.

This is a two-page document. By accepting page one, you accept responsibility for obtaining a copy of the Terms and Conditions on page two.

Additional FeaturesEvery SunTrust checking account comes standard with

convenient features to make banking easy and worry-free:

• Access to 1,300 SunTrust branches, many with extended

evening and weekend hours

• Online Banking with Bill Pay8

• Mobile and Tablet Banking9

• Mobile Deposit (with Mobile App or Tablet App)10

• Fraud Prevention and Balance Alerts (via email and

text messages)

• Overdraft Protection available

• No Fee for Paper Statements (includes images of cleared

check items)

How to Avoid Fees• Maintain $25,000 in total deposit balances11

Find the account that’s the best fit for you at suntrust.com/checking.

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Signature Advantage

1 Signature Advantage Checking: Minimum opening deposit is $100. The Interest Tier earned is based on the following ledger balance tiers: Tier 1 – $9,999.99 or less; Tier 2 – $10,000 to $24,999.99; Tier 3 – $25,000 to $49,999.99; Tier 4 – $50,000 to $99,999.99; Tier 5 – $100,000 to $249,999.99; Tier 6 – $250,000 to $499,999.99; Tier 7 – $500,000 to $999,999.99; Tier 8 – $1,000,000 to $1,999,999.99; Tier 9 – $2,000,000 or more. For Signature Advantage Checking, the Annual Percentage Yield (APY) is currently 0.01% for Tiers 1–9, and the minimum account balance to obtain APY is $0.01. Signature Advantage Brokerage: The Interest Tier earned is based on the following ledger balance tiers: Tier 1 – $9,999.99 or less; Tier 2 – $10,000 to $24,999.99; Tier 3 – $25,000 to $49,999.99; Tier 4 – $50,000 to $99,999.99; Tier 5 – $100,000 to $249,999.99; Tier 6 – $250,000 to $499,999.99; Tier 7 – $500,000 to $999,999.99; Tier 8 – $1,000,000 to $1,999,999.99; Tier 9 – $2,000,000 or more. For Signature Advantage Brokerage, the APYs are as follows: Tier 1 – 0.01% APY; Tier 2 – 0.03% APY; Tiers 3–9 – 0.05% APY, and the minimum account balance to obtain APY is $0.01. Interest is calculated and compounded daily on the collected balance and credited to your account monthly. To the extent required by law, SunTrust Bank will report interest earned to the Internal Revenue Service. The APYs are accurate as of 3/20/2017. Fees may reduce your earnings.2 SunTrust fees assessed for transactions done at non-SunTrust ATMs are waived, and all ATM surcharge fees will be refunded for Signature Advantage accounts.3 Any personal wallet/duplicate check style or personal deposit tickets included.4 Overdraft and returned item fees waived: three per rolling 12 months.5 Signature Advantage clients are eligible to have the fee waived for a small Safe Deposit Box or receive a $45 discount on the annual rental fee of any larger size safe deposit box.6 Apple, Apple Pay and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. SunTrust does not charge a fee for the use of Apple Pay or SunTrust Mobile Banking. If you do not already have a data plan with your wireless service provider, normal data rates will apply.7 Cash Rewards Redemption: After the close of the billing period in which the Cash Rewards are earned, if your Card Account is in Good Standing, upon your request, you may redeem your Cash Rewards in U.S. dollars with a minimum of $5 and any greater amount (not to exceed the total Cash Rewards earned, but not yet redeemed, on your Card Account at time of redemption). You may redeem your Cash Rewards for cash back through (1) a statement credit to your Card Account or (2) an ACH credit to the deposit account that you designate. Cash Rewards earned on Card Accounts that are redeemed through an ACH deposit into a SunTrust checking, savings or money market account will receive a Cash Deposit Bonus of 10%, 25% or 50% on redemption, depending on your deposit relationship with SunTrust, as of the last day of the month preceding redemption, or if you redeem in the first few days of the month, the last day of two months’ prior to redemption (see Program Agreement for details), as follows:• Clients with SunTrust Signature Advantage accounts and $100,000 or more in Combined Consumer Deposits and Investment Balances† with SunTrust, or clients in the Premier Banking Program,‡ will receive a Cash Deposit Bonus of 50%. On $100 in base Cash Rewards, these clients would earn an additional $50, totaling $150 in Cash Rewards earnings.• Clients with SunTrust Signature Advantage accounts and less than $100,000 in Combined Consumer Deposits and Investment Balances with SunTrust will receive a Cash Deposit Bonus of 25%. On $100 in base Cash Rewards, these clients would earn an additional $25, totaling $125 in Cash Rewards earnings.• All other clients who redeem their Cash Rewards into a SunTrust checking, savings or money market account will receive a Cash Deposit Bonus of 10%. On $100 in base Cash Rewards, these clients would earn an additional $10, totaling $110 in Cash Rewards earnings.† Combined consumer deposits and investment balances: The sum of balances in the Signature Advantage Banking account PLUS statement-linked SunTrust deposit accounts (savings, checking, money market or CDs), trust accounts, IRA or brokerage accounts introduced through SunTrust Investment Services, Inc.‡ Premier Banking means the group within SunTrust Bank that provides specialized services and benefits such as investment products and services (including brokerage accounts) which are offered by SunTrust Investment Services, Inc., an SEC-registered investment adviser and broker-dealer, member FINRA, SIPC. Enrollment in Premier Banking is required.8 SunTrust does not charge a fee for the use of SunTrust Online Banking with Bill Pay. However, fees may apply for certain transactions like expedited payments and transfers to non-SunTrust accounts.9 SunTrust does not charge a fee for the use of SunTrust Mobile Banking or Tablet Banking. If you do not already have a data plan with your wireless service provider, normal data rates will apply.10 SunTrust Mobile Deposit is available for iPhone and Android Mobile Apps and iPad App—only for use in the United States and its territories.11 Total Deposits: The sum of balances in the Signature Advantage Checking account PLUS statement-linked SunTrust deposit accounts (savings, checking, money market or CDs), trust accounts and IRA or brokerage accounts introduced through SunTrust Investment Services, Inc.Accounts opened in SunTrust branches may be subject to different opening deposit requirements. For additional fee and or product information, please consult suntrust.com. Interest is calculated and compounded daily on the collected balance and credited to your account monthly.

Investment and Insurance Products: Are Not FDIC or Any Other Government Agency Insured • Are Not Bank Guaranteed • May Lose Value

Services provided by the following affiliates of SunTrust Banks, Inc.: Banking products (including checking accounts) and services are provided by SunTrust Bank, Member FDIC. Trust and investment management services are provided by SunTrust Bank, SunTrust Delaware Trust Company and SunTrust Banks Trust Company (Cayman) Limited. Securities, brokerage accounts, insurance (including annuities) and investment advisory products and services are offered by SunTrust Investment Services, Inc., an SEC-registered investment adviser and broker-dealer, member FINRA, SIPC, and a licensed insurance agency.

SunTrust Bank, Member FDIC. ©2017 SunTrust Banks, Inc. SunTrust and SunTrust SummitView are federally registered trademarks of SunTrust Banks, Inc. MOM-362103-10797183-6/17