* Terms and Conditions for the SunTrust “Q2 2021 Small Business Checking Offer”: SB21Q2CHECKING

To be eligible to participate in the promotion:
You must be a new SunTrust business checking client. To be considered a new business checking client, the business cannot have an existing SunTrust business checking account with the same Taxpayer Identification Number (TIN), including but not limited to an Employer Identification Number (EIN), prior to promotion start. Existing business checking clients are not eligible for this offer. IOLTA and Public Funds accounts are not eligible for this promotion. The business client cannot have closed a business checking account within 90 days of the promotion start date (on or after January 1, 2021). The business account holder must be 18 years or older at time of account opening. The account holder cannot be a non-resident alien. The business must be registered within the U.S. with the business’s physical street address located in Alabama, Arkansas, Georgia, Florida, Maryland, Mississippi, North Carolina, South Carolina, Tennessee, Virginia or the District of Columbia and have a valid U.S. TIN or EIN.

Offer information:
Earn $200. Open a new eligible SunTrust business checking account online or in a branch from April 1, 2021 through June 30, 2021, and enroll in the offer by following the Account Opening and Promotion Enrollment Instructions below. Within 30 days of opening the new eligible business checking account, you must make cumulative qualifying deposits (as described in the Qualifying Deposits section below) of $1,500 or more into your new account.

Qualifying deposits:
Qualifying deposits for new business checking accounts exclude debit card credit transactions and NSF fee refunds. Deposits can be made on a one-time basis or cumulatively over the 30 days.

Reward processing:
The reward will be credited to the new business checking account up to 8 weeks after the qualification requirements have been verified. When the cash reward is deposited, it will appear in your new business checking account monthly statement as “Q2 2021 Small Business Checking Reward”. This offer is only applicable once per client. If multiple accounts are opened with the same owners/signers and SunTrust reasonably believes that the legal entities associated with such accounts engage in substantially similar or limited business activities, SunTrust may limit the number of accounts that are eligible for the promotional offer to five. SunTrust may report the value of any reward received through any offer to the Internal Revenue Service, as required by law. Any applicable taxes are the responsibility of the recipient.

Reward forfeiture:
The new business checking account must remain open and in good standing with a minimum balance of $0.01 until the reward is processed in order to receive the reward. Reward forfeiture will occur if: (1) the business checking account is changed to an account type not included in this client offer, (2) the business checking account is closed prior to the reward being processed, or (3) the new business checking account has a negative available balance at the time of qualification validation. SunTrust reserves the right to deduct the reward amount from the business checking account at the time of closing if the new business checking account is closed by the client or SunTrust within 180 days after opening.

Other terms:
A minimum account opening deposit of $100 is required for a new business checking account. For interest-bearing accounts, you may obtain the current interest rate and APY on your account by calling 800.SUNTRUST or 800.786.8787. See SunTrust Rules and Regulations for Deposit Accounts at SunTrust to obtain information about the interest calculation. Fees may reduce your earnings. The offer is non-transferable and may not be combined with any other offers. This offer is subject to change and may be discontinued at any time.

Online Account Opening and Promotion Enrollment Instructions:
The business checking account can be opened via the “Open Now” link on the offer landing page or by entering the offer code “SB21Q2CHECKING” in the SunTrust online account application. After reviewing the terms and conditions, make sure “Yes” is selected in the “Special Offer” page to be enrolled for this offer. Accounts opened without the Promotion Code will not be eligible to participate in the offer.

Branch Account Opening and Promotion Enrollment Instructions:
Visit your local SunTrust branch to open a new eligible business checking account. During the account opening process, ask the SunTrust representative to enroll you in the “Q2 2021 Small Business Checking Offer” and provide them with promotion code “SB21Q2CHECKING”. The offer may not be combined with any other offers.

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¹ All business checking accounts automatically avoid the monthly maintenance fees for the first two statement cycles. (A) Simple Business Checking accounts waive the maintenance fee for the first 12 statement cycles (12 statement cycles may not equal 12 full calendar months). After the first 12 statement cycles you can avoid the monthly maintenance fee when 5 or more transactions are made in that month. Otherwise, there is a $5 monthly maintenance fee. (B) Primary Business Checking accounts avoid the monthly maintenance fee when a minimum daily collected balance of $1,000 or more is maintained. Otherwise, there is a $15 monthly maintenance fee. (C) SunTrust Business Advantage Plus accounts avoid the monthly maintenance fee if the daily collected balance combined with two other SunTrust Business Advantage Plus accounts is equal to $20,000 or more. Otherwise, there is a $25 monthly maintenance fee.

² Items include deposits and deposited items, checks, ATM transactions, point-of-sale purchases and ACH debits. Wire transfer services and commercial and treasury management services may also be included. There are fees for exceeding stated limits.

³ There are fees for exceeding stated cash processing limits.

⁴ Cash Rewards Redemption: After the close of the billing period in which you earn Cash Rewards, if your Business Card account is in good standing, you may redeem a minimum of $5 for either a statement credit to your card account or an ACH credit to a business deposit account. You can earn a Loyalty Cash Bonus of 10% or 25% if you redeem through an ACH deposit into a SunTrust business deposit account. See Program Agreement for details and tier levels as follows:

• Clients who redeem Cash Rewards through an ACH deposit into any SunTrust business checking, savings or money market account will receive a 10% Loyalty Cash Bonus.
• Clients with a SunTrust Business Advantage Plus Demand Deposit Account (DDA) will receive a 25% Loyalty Cash Bonus.

For example, a 10% Loyalty Cash Bonus on $100 in base Cash Rewards would earn an additional $10, totaling $110 in Cash Rewards earnings.

⁵ All credit cards are subject to credit approval.

⁶ The two additional SunTrust Business Advantage Plus Checking accounts must share the same TIN as the main SunTrust Business Advantage Plus account. All three accounts must be linked.

⁷ The Advantage Checking personal account is for the business account holder. To waive the monthly maintenance fee on the Advantage Checking account, it must be linked to the Small Business Checking account. Eligible Small Business accounts include Total Business Banking, Select Business Banking, Business Interest Checking, Business Advantage Plus, Simple Business Checking and Primary Business Checking.

⁸ Online Payroll is provided through our relationship with Sure Payroll, Inc. Sure Payroll, Inc. is not an affiliate of SunTrust Bank, now Truist Bank.