Summary Box - Sun Trust Group Nectar Low Rate Credit Card

The information contained in this table summarises key product features and is not intended to replace any terms and conditions

APR	Representative 7.8% APR (variable)

Other APRs	9.9% APR (variable) and 11.9% APR (variable)

Other Interest Rates	Introductory Rate	Monthly Rate	Annual Rate
Purchases	N/A	0.631% or 0.792% or 0.945%	7.84% or 9.93% or 11.95%
Cash Advances	N/A	1.872%	24.93%
Balance Transfers	N/A	0.631% or 0.792% or 0.945%	7.84% or 9.93% or 11.95%

We may apply the standard interest rate during any special promotion period to any transaction if in any month you do not make at least your minimum payment by the minimum payment date or if you exceed your credit limit at any time.

Interest Free Period

Maximum 56 days for purchases if you pay the full balance shown on your previous and current statement on time.
There is no interest free period on cash advances or balance transfers.

Interest Charging Information

You will not pay interest on new purchases if you pay your balance in full and on time each month. Otherwise, the period over which interest is charged is as follows:

	From	Until
Purchases	Date debited to your account	Paid in full
Cash Advances	Date debited to your account	Paid in full
Balance Transfers	Date debited to your account	Paid in full

Allocation of Payments

If you do not pay your balance in full we will allocate your payments to balances with the highest interest rate before balances with lower interest rates. See Section 2.2 of the terms and conditions for full details.

Minimum Repayment	Each month in which you have a balance outstanding on your account you must repay the greater of:- a) an amount equal to the total of any Credit Card Repayments Cover premiums, interest, default sums, plus 1% of the balance shown on your statement; b) 2.25% of the balance shown on your statement; or c) $5, or full balance if less than $5, plus any amount you owe that is more than your credit limit.
Credit limit	Minimum credit limit	Subject to status
Credit limit	Maximum credit limit	Subject to status
Fees	No annual fee
Charges	Cash Advances	3% (minimum $3)
	Balance Transfers	0% ($0)
	Copy Statements	$5

For further details please refer to the account terms and conditions.

Foreign Usage	Payment scheme exchange rate	Indicative rates can be found at https://www.mastercard.com/global/currencyconversion/index.php
	One or more of the following may apply: � Non-Sterling Transaction Fee 2.75% of the amount of the sterling transaction value. � Cash Fee 3% (minimum $3).

Default Charges	Late Payment Charge	$12
	Overlimit Charge	$12
	Returned Payment Charge	$12