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SunTrust Access 3® Equity Line

For a limited time, SunTrust is offering an Access 3 Equity Line at a special low rate.



Access 3®General Features and Benefits
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Learn the Value of Your Home

If you're considering a home equity line of credit or a home equity loan, get an estimate of what your home may be worth5. Then, you can use that information to calculate how much you may be able to borrow, and even apply directly for a loan or line of credit online.

Get An Estimate


Get Rates by State

Select your state to view rates for the Access 3 Equity Line and Home Equity Loan.

> I live in AL, AR, FL, GA, MD, MS, NC, SC, TN, VA, WV, or DC


Three Repayment Options

Use multiple repayment options at the same time. For instance, you can use the Fixed Rate/Fixed Term payment option for your vehicle purchase while using the Revolving Line of Credit option to pay off your credit card.

Option 1: Revolving Line of Credit

With a variable rate during the draw period based on the Prime Rate, interest accrues only on the amount you actually use. During the draw period, your minimum monthly payment is 1 1/2% of the outstanding balance, includes the accrued interest, and usually reduces the outstanding principal balance.

You can use this option for:
Option 2: Interest Only

With a variable rate during the draw period based on the Prime Rate, interest accrues only on the amount you actually use. During the draw period, your minimum monthly payment consists of the accrued interest on the outstanding balance, but does not reduce your outstanding principal balance.

You can use this option for:
Option 3: Fixed Rate/Fixed Term

With a fixed rate and term, there's no guessing about payments. You can set up a fixed monthly payment for each advance, selecting from a variety of repayment terms. This applies to each advance you make (minimum amount of $5,000). With this option, you may have up to five advances outstanding at any one time. You can select from the following terms: 60, 120, 180, or 240 months; additionally, at closing you can choose a one-time 360-month term.*

You can use this option for:

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For additional information:



*Special Rate Advance: 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 3.25% on 6/28/2011. This special rate advance offer is variable, is in effect for the first three years after your account is opened, and is applicable only for advances taken under the revolving line of credit and interest-only options at the closing of the loan and to be disbursed immediately upon expiration of any applicable rescission period, and is valid for applications received between 3/1/2011 and 8/31/2011 and that close by 9/30/2011. Advances taken subsequent to the Special Rate Advance(s), as well as any balances remaining upon expiration of the Special Rate, shall accrue interest at the standard rates(s) and margin(s) as described below and in your Equity Line agreement.

**Minimum required line amount for this Annual Percentage Rate (APR) is $50,000 and is based on a maximum Combined Loan-To-Value (CLTV) ratio of 70% or less. Other lines amounts are available. Your actual Annual Percentage Rate (APR) rate is based on credit line amount, Combined Loan-To-Value (CLTV) ratio, credit report, and other factors. Access 3 Equity Line subject to standard credit criteria. A 0.25% interest rate reduction off the standard rate of a consumer loan or line of credit is available if you have eligible deposit account; an additional 0.25% interest rate reduction is available if the payment is automatically deducted from a SunTrust checking, savings or money market account using SurePaySM and an additional 0.25% interest rate reduction is available with a qualifying first mortgage from SunTrust Mortgage, Inc. For the Access 3 Equity Line, these interest rate reductions do not apply to Fixed Rate/Fixed Term (Option 3) Advances or during the Repayment Period. Maximum discount is 0.75%. All loan and line discount offers are subject to change. Offer for new and refinanced consumer home equity lines of credit, as well as for home equity credit line increases. Relationship pricing discounts are not available on existing consumer loans or lines of credit or on Physician Loans, Marine/RV and Education Lending products.

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 3.25% on 6/28/2011. For lines closed at a SunTrust Bank branch in FL, standard APRs could range from Prime + 1.74% (currently 4.99% APR) to Prime + 6.49% (currently 9.74% APR). For lines that close at a SunTrust Bank branch, or an attorney's office when applicable, in AL, AR, MS, NC, TN, SC and VA (excluding cities and counties of Alexandria, Arlington, Fairfax, Falls Church, Loudoun and Prince William) standard APRs could range from Prime + 1.24% (currently 4.49% APR) to Prime + 4.99% (currently 8.24% APR). For lines closed at a SunTrust Bank branch in DC, MD and Northern Virginia (cities and counties of Alexandria, Arlington, Fairfax, Falls Church, Loudoun and Prince William), standard APRs could range from Prime + 0.99% (currently 4.24% APR) to Prime + 4.99% (currently 8.24% APR). For lines closed at a SunTrust Bank branch, in WV standard APRs could range from Prime +1.24% (currently 5.49% APR) to Prime + 5.49% (currently 8.74% APR). For lines closed at a SunTrust Bank branch, in GA (excluding the counties of Barrow, Bartow, Carroll, Cherokee, Clarke, Clayton, Cobb, Coweta, Dawson, DeKalb, Douglas, Fannin, Fayette, Floyd, Forsyth, Fulton, Gordon, Greene, Gwinnett, Hall, Henry, Lumpkin, Morgan, Oconee, Paulding, Polk, Putnam, Rockdale, and Walton), standard APRs could range from Prime + 1.49% (currently 4.74% APR) to Prime + 5.49% (currently 8.74% APR). For lines closed at a SunTrust Bank branch in the metropolitan Atlanta area (counties of counties of Barrow, Bartow, Carroll, Cherokee, Clarke, Clayton, Cobb, Coweta, Dawson, DeKalb, Douglas, Fannin, Fayette, Floyd, Forsyth, Fulton, Gordon, Greene, Gwinnett, Hall, Henry, Lumpkin, Morgan, Oconee, Paulding, Polk, Putnam, Rockdale, and Walton), standard APRs could range from Prime + 1.24% (currently 4.49% APR) to Prime + 5.24% (currently 8.49% APR). Standard APRs are based on your credit line amount, Combined Loan-To-Value (CLTV) ratio and other factors. The rate is variable during the 10-year draw period and applies only to the revolving line of credit and interest-only options (during the 20-year repayment period for these options, the rate is fixed based upon the Prime Rate in effect on the last day of your draw period plus a margin of 4% with a 20-year straight amortization). The maximum APR is 18% for properties located in FL, GA, TN, AL, SC, VA, MD, DC, AR, WV and MS. The maximum APR is 16% for properties located in NC.

Fixed Rate/Fixed Term advances are available for terms of 60 months, 120 months, 180 months, 240 months and 360 months for such advances taken at closing and to be disbursed immediately upon expiration of any applicable 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. The APR is indexed to the Prime Rate in effect on the day preceding the first day of the billing cycle in which each such advance is taken, which was 3.25% as of 6/28/2011, plus a margin of 4.00%, which results in an APR of 7.25%. 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.

Standard rates available only for owner-occupied, single-family, primary residences located in FL, GA, TN, AL, SC, VA, NC, MD, DC, AR, WV or MS, and are not valid on condominiums, second homes, manufactured homes or cooperatives. SunTrust must be in a valid first or second-lien position. Rates are subject to change without notice. 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. For Visa® cash advances, the ATM fee is $5 if and as allowed by applicable law. Visa cash advances/ATM access may not be available in all states.

1 If and as allowed by applicable law. Credit Access Card not available in all states.

2 For new lines of $10,000 or more, SunTrust will advance certain costs on your behalf, including the first property/collateral valuation obtained by SunTrust, but excluding: any subsequent property/collateral valuation not required by us; and, if required, title insurance and related fees, and any new or increased homeowner's and/or flood insurance premiums. However, if your account is closed within three (3) years, we will add any closing costs we advanced on your behalf to your outstanding balance for our reimbursement. Total closing costs generally range from $100 to $1,300.

3 Preliminary line and loan decisions are usually made within 24 hours on applications received during normal banking hours.

4 Consult your tax advisor regarding deductibility of interest.

5 HomeValuePower® is an automated tool that provides an estimate of property value. This is an estimate only and will not be used for underwriting purposes. Other valuation methods, up to and including a full appraisal, may be required. No warranties as to the accuracy or completeness of the estimate, or public record information used in part to derive the estimate, is made or implied by SunTrust Bank.

SunTrust and Access 3 are federally registered service marks of SunTrust Banks, Inc.
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