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SunTrust Home Equity Line of Credit

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DISCLAIMERS

1The SunTrust Equity Line of Credit is subject to standard credit criteria. Advances shall accrue interest at the standard rate(s) and margin(s) as described below and in your Equity Line agreement. Minimum required line amount for the APR listed above is $100,000 with a Combined Loan-To-Value (CLTV) ratio of 70% or less, and includes an optional 0.25% interest rate reduction obtained if payment is automatically deducted from a SunTrust checking, savings or money market account using a recurring, automatic payment. Relationship pricing discounts may not be applicable for all products. Consult your banker for details. These interest rate reductions do not apply to promotional rate advances, Fixed Rate/Fixed Term advances or during the repayment period, and are not available on existing consumer loans or lines of credit. Offer and rates are available for new and refinanced consumer home equity lines, as well as for home equity credit line increases, and are subject to change without notice. Not valid for payment of existing SunTrust obligations. The Prime Rate means the highest per annum “Prime Rate” of interest published from time to time by The Wall Street Journal in its “Money Rates” listings, which was 4.25% on 9/1/17. Standard APRs are variable during the 10-year draw period and the 20-year repayment period, and apply only to the variable rate option; are based on your collateral property location, credit line amount, Combined Loan-To-Value (CLTV) ratio, credit report, and other factors; and can range from Prime + 0.25% (currently 4.50% APR) to Prime + 8.54% (currently 12.79% APR) (during the 20-year repayment period for this option, the APR will continue to be calculated at a variable rate and your minimum monthly payment will be 1/240th of the total balance at the end of the draw period, plus interest and any applicable fees/charges). The maximum APR is 18% for properties located in CA, FL, GA, TN, AL, SC, VA, MD, DC, AR, WV or MS. The maximum APR is 16% for properties located in NC. Offer available only for owner-occupied, single-family primary residences located in CA, FL, GA, TN, AL, SC, VA, NC, MD, DC, AR, WV or MS. Not valid on second homes, manufactured homes or cooperatives. SunTrust must be in a valid first- or second-lien position. Exclusions and limitations apply. Property insurance is required, and if applicable, flood insurance will be required. Consult your tax advisor regarding the deductibility of interest. There is a $65 annual fee, if and as allowed by applicable law, which is waived for clients with a Signature Advantage account or clients enrolled in Premier Banking.

2Fixed Rate/Fixed Term advances are available for terms of 60 months, 120 months, 180 months, and 240 months. A term of 360 months is available but only for such advances taken at closing and to be disbursed immediately upon expiration of the rescission period. Each must be at least $5,000 per advance, and you may have up to five (5) outstanding advances under this option at any given time. For each advance taken under the Fixed-Rate/Fixed-Term option, there will be a $15 processing fee if and as allowed by applicable law.

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