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Signature Advantage Brokerage®

Features

Signature Advantage Brokerage, offered by SunTrust Investment Services, Inc., combines premium banking benefits, powerful brokerage features and priority client servicing, into one customized service.

As SunTrust‘s premium relationship product, Signature Advantage Brokerage provides you with an experience tailored to your unique financial needs. With Signature Advantage, SunTrust makes it easy to stay on top of your complete financial picture and rewards you with the highest level of cost saving and convenience features.

Banking Features and Options

Through SunTrust Bank

  • Consolidated statement showing your entire financial picture
  • Unlimited trasaction use of SunTrust all ATMs1
  • No SunTrust ATM fees for transactions made at non-SunTrust ATMs2
  • Unlimited refunds for ATM fees charged by other institutions for using their ATM2
  • Online Banking with Bill Pay with 24 hour access to your accounts
  • 3 NSF (insufficient fund) item fees waived per rolling 12 months
  • Interest rate reductions on consumer installment loans or lines of credit3
  • Standard checks or discount on other styles
  • SunTrust World Check Card
  • SunTrust Mobile Banking4
  • Small safe box or $40 discount on larger sizes
  • No annual fee SunTrust Credit Card with SunTrust Rewards6
  • Travelers cheques, money orders and cashiers checks
  • Unlimited check writing with no per transaction fees and unlimited teller transactions
  • An attractive market rate of interest on our SunTrust Advantage Money Market AccountSM
  • 24/7 Automated Telephone Banking and extended hours for live customer service
  • Online check images and online statements for anytime viewing
  • Our checking depositors are FDIC insured up to the maximum amount permitted by law

Investment Features
through SunTrust Investment Services, Inc.

  • Discounts on broker-assisted equity trades (10%)
  • Securities safekeeping
  • Access to Online Investing
  • Premium rate interest bearing checking account (FDIC insured through SunTrust Bank) OR daily automated transfer to one of several Federated Money Market Mutual Funds (tax advantage options available)*
  • Cost basis for all types of securities
  • Tax lot accounting and specific share trading on investments
  • Margin line of credit (subject to approvals)**

Monthly Maintenance Fee

  • $25,000 minimum combined balance7 OR $50,000 in total statement linked deposit and investment balances8 OR $250,000 total relationship balances9 (linked deposits, investments, and loans)
  • Otherwise $25 per month if above balance requirement is not maintained

Annual Fee

To apply:

1 Use any SunTrust ATM for withdrawals, deposits, and balance inquiries at no charge.

2 SunTrust will waive the SunTrust fee for unlimited non-SunTrust ATM transactions and will refund the fees that non-SunTrust ATM owners charge you for using non-SunTrust ATMs.

3 0.25% interest rate reduction off the standard rate of a consumer loan or line of credit; an additional 0.25% reduction off the standard rate of a consumer loan or line of credit if payment is automatically deducted from a SunTrust checking, savings, or money market account using SurePaySM. An additional 0.25% interest rate reduction off the standard rate of a consumer loan or line of credit if you have a qualifying first mortgage from SunTrust Mortgage, Inc. Maximum discount is 0.75%. 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. All loan and line discount offers are subject to change. Offer for new and refinanced consumer loans and lines of credit, as well as for credit line increases. Relationship pricing discounts are not available on existing consumer loans for lines of credit or on Physician Loans, Marine/RV, and Educational Lending products.

4 SunTrust does not charge a fee for the use of SunTrust Mobile Banking. If you do not already have a data plan with your wireless service provider, normal data rates will apply.

5 One Equifax Credit WatchTM Silver for one person per account. Additional Equifax Credit Watch products available at a discount for all checking account holders.

6 The SunTrust Consumer Credit Card is issued by SunTrust Bank. All credit cards are subject to credit approval.

7 Minimum Combined Balance equals the core cash balance plus the market value of assets in the associated brokerage account.

8 Total Deposit and Investment balance equals the total of all statement linked deposit accounts (CD, IRA, Money Market, Checking, Savings) plus the total of any statement linked Investment Accounts provided through SunTrust Investment Services Inc.

9 Total Relationship Balance equals the total of all statement linked deposit accounts (CD, IRA, Money Market, Checking, Savings) plus the total of any statement linked Investment Accounts provided through SunTrust Investment Services Inc. plus the total of any statement linked Trust, Mortgage, Equity Lines, Loans or Credit Cards.

*An investment in a Federated money market mutual Fund is not insured or guaranteed by the FDIC or any other government agency. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the Fund.

Investors should consider the investment objectives, risks and charges and expenses of a mutual fund carefully before investing. A prospectus which contains this and other information can be obtained from your financial professional or by writing SunTrust Investment Services, Inc., at 303 Peachtree Center Avenue, Suite 140, Atlanta, GA 30303. Please read the prospectus carefully prior to investing.

**Margin trading is not appropriate for all investors and involves material risk. You can lose more funds than you have deposited in the margin account; the firm can force the sale of securities or other assets in your account(s); the firm can sell your securities or other assets without contacting you; you are not entitled to choose which securities or other assets in your account are liquidated or sold to meet a margin call; the firm can increase in-house maintenance requirements at any time; and you are not entitled to an extension of time on margin call. Market conditions can magnify any potential for loss. If the market turns against the investor, he or he will be required to deposit additional securities and/or cash in the account. The interest rates charged are determined by the value of the cash and securities prior to initiating the loan.

Services provided by the following affiliates of SunTrust Banks, Inc.: Banking and trust products (including checking accounts) and services are provided by SunTrust Bank. Securities, insurance (including annuities and certain life insurance products) and other investment services (including Brokerage accounts) are offered by SunTrust Investment Services, Inc., a SEC registered investment adviser and broker/dealer and a member of the FINRA and SIPC.

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Additional Information

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> Call us at 800.576.4346

 
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Securities and Insurance Products and Services:
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 and trust products (including checking accounts) and services are provided by SunTrust Bank, Member FDIC. Securities, insurance (including annuities and certain life insurance products) and other investment services (including Brokerage accounts) are offered by SunTrust Investment Services, Inc., an SEC registered investment adviser and broker-dealer and a member of the FINRA and SIPC. Other insurance products and services offered by SunTrust Insurance Services, Inc., a licensed insurance agency.