SYNCHRONY BANK

KEEP FOR YOUR RECORDS

RATES AND FEES TABLE
SYNCHRONY BANK CREDIT CARD ACCOUNT

Interest Rates and Interest Charges

Annual Percentage
Rate (APR) for
29.99%
Purchases
Paying Interest Your due date is at least 23 days after the close of each billing cycle. We will not charge you any interest
on non-promotional purchases if you pay your entire balance by the due date each month. We will begin
charging interest on promotional purchases on the purchase date.
Minimum Interest If you are charged interest, the charge will be no less than $2.
Charge
For Credit Card To learn more about factors to consider when applying for or using a credit card, visit the website
Tips from the of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Consumer Financial
Protection Bureau

Fees
Penalty Fees
• Late Payment Up to $39.
• Returned Payment $28

How We Will Calculate Your Balance: We use a method called “daily balance.” See your credit card account agreement below for
more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your credit card
account agreement.

The information about the costs of the card described above is accurate as of May 1, 2019. This information may have changed after
that date. To find out what may have changed, write to us at P.O. Box 965033, Orlando, FL 32896-5033. This application and the credit
card agreement will be governed by federal law, and to the extent state law applies, the laws of Utah. Subject to the requirements and
limitations of applicable law, we may change, add to or delete any of the terms of the agreement, including the interest rates, fees and
charges and we will send you notice as required.
STATE NOTICES
CALIFORNIA RESIDENTS: If you are married, you may apply for a separate account.
NEW YORK RESIDENTS: A consumer credit report may be obtained in connection with evaluating your application and subsequently in connection with updates,
renewals, or extensions of credit for which this application is made. Upon your request, you will be informed whether a report was obtained, and if so, of the name and
address of the consumer reporting agency.
OHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting
agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
WISCONSIN RESIDENTS: No provision of a marital property agreement, a unilateral statement under sec. 766.59, Wis. Stats., or a court decree under sec. 766.70,
Wis. Stats., adversely affects the interest of the creditor unless the creditor, prior to the time credit is granted, is furnished a copy of the agreement, statement or decree
or has actual knowledge of the adverse provision when the obligation to the creditor is incurred. Married residents of Wisconsin applying for an individual account
must give us the name and address of their spouse if the spouse also is a Wisconsin resident, regardless of whether the spouse may use the card. Please
provide this information to us at P.O. Box 965033, Orlando, FL 32896-5033.

CONSENT TO ELECTRONIC COMMUNICATIONS

By (i) submitting an application online or (ii) registering for online or mobile services for your Account, you hereby agree to the following and this will constitute your consent
for us to send you electronic communications about your Account. When you successfully consent through the online or mobile site, you have successfully demonstrated
that you are able to access information we have posted on such online or mobile site.
Categories of Communications
You consent to receive communications relating to your Account in electronic form. The communications covered by your consent may include, but are not limited to,
(i) the initial disclosure statement or agreement governing your Account, (ii) any disclosure required by federal, state or local law, including disclosures under the federal
Truth in Lending Act, the federal Fair Credit Reporting Act, the federal Equal Credit Opportunity Act and the financial privacy provisions of the Gramm-Leach-Bliley Act,
(iii) your billing statement, if you have signed up to receive electronic statements, (iv) letters, notices or alerts regarding your Account and any changes to your Account,
(v) other disclosures, notices or communications in connection with the application for, the opening of, maintenance of or collection of your Account, and (vi) the debt
cancellation agreement and other information relating to optional debt cancellation products you may select to purchase. These electronic communications may include
your name and some information about your Account, including your balance or the due date; however, we will not include your full account number or social security
number. Electronic communications may be reviewed by any party with access to your Account, the e-mail account you have provided to us for delivering these
communications, or the hardware or software you use to view your Account information or your e-mail account.

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How to Withdraw Your Consent
You may not apply online for an Account and you may not register your Account for online services (including electronic statements or mobile alerts), unless you also
provide your consent to receive electronic communications. If you have registered for online services (such as electronic statements or mobile alerts) and you wish to
withdraw your consent to receive future electronic communications, you must un-enroll from each service you have elected to receive to completely withdraw your consent
to receive electronic communications. Additionally, you may call customer service at the number on your credit card or billing statement to withdraw your consent.
We will not impose any fee to process the withdrawal of your consent to electronic communications. However, you will not be able to receive your billing statements
electronically if you do not consent to receive electronic communications or withdraw your consent. Any withdrawal of your consent to electronic communications will be
effective only after we have a reasonable period of time to process your withdrawal request.
How to Update Your Records
You agree to promptly update your e-mail address if a change occurs by updating your information through the website listed on your billing statement or by calling
customer service.
Hardware and Software Requirements
In order to access and retain electronic communications, you must have the following:
• For personal computers:
o Access to the Internet via dial-up, DSL, cable modem, wireless access protocol or equivalent
o SSL-enabled web browser that supports JavaScript
o Sufficient electronic storage capacity on your hard drive or other data storage facility, or a means to print or store notices and information through your
browser software
• For mobile devices (phones, tablets, eReaders, or other mobile devices with Internet browsing capabilities):
o Access to the Internet via dial-up, DSL, cable modem, wireless access protocol or equivalent
o SSL-enabled web browser that supports HTML 5, JavaScript, and CSS3
o Sufficient electronic storage capacity on your hard drive or other data storage facility, or a means to print or store notices and information through your
browser software
Paper Copies of Communications
Upon your request we will provide you with a paper copy of a communication that we provide you electronically. If you would like a paper copy of any material (other
than your debt cancellation agreement), please write to us at: Synchrony Bank, P.O. Box 965033, Orlando, FL 32896-5033 or call us at the phone number listed on
the back of your credit card or on your billing statement. If you would like a copy of your debt cancellation agreement, please write to us at: Card Security, P.O. Box 39,
Roswell, GA 30077-0039. There will be no charge for a paper copy of any material we have sent you electronically.
Communications in Writing
All communications in either electronic or paper format from us to you will be considered “in writing.” You should print or download a copy of this consent, the Account
agreement, the debt cancellation agreement (if elected) and any other electronic communication that is important to you for your records.
Electronic Signatures
You acknowledge that by clicking on the “Submit” or similar button, you are indicating your intent to sign up for electronic communications and that this shall constitute
your signature.
Federal Law
You acknowledge and agree that your consent is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic
Signatures in Global and National Commerce Act, and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct
business and communicate with you by electronic means.

IMPORTANT TERMS FOR ELECTRONIC STATEMENTS

In addition to the above, if you have elected to receive electronic statements, the following information applies:
1. Statement Inserts. Any inserts that would be included with a statement sent by U.S. mail may also be sent to you electronically. If an insert contains legally required
material, to ensure that you receive the necessary material, we may send you a paper copy of your statement in addition to making the statement available to you
electronically. Any legally required insert that would not be available electronically will be sent to you by U.S. mail.
2. Payment Information. When you elect to stop paper statements, you must still pay at least your Minimum Payment and have it received by us by 5 p.m. (ET) on the
Payment Due Date. You can do this through an electronic bill pay service (whether through this website or using a third party servicer or bank) or by mailing your payment
to us at the address shown on the electronic statement. Please note, if you do not pay us electronically, the crediting of your payment may be delayed by up to five days
after receipt.
3. Returned E-mails. If e-mails advising you of the availability of statements are returned to us, we may cancel your enrollment for electronic statements and resume
sending you paper statements in the mail. If this happens, you will need to re-enroll to receive electronic statements with updated information.
4. SPAM Filters. We will make every effort to ensure our e-mail notifications are properly listed with all SPAM filter agencies. However, you are responsible for ensuring
that any SPAM filters recognize e-mail originating from us. If you fail to receive e-mail notifications from us after enrolling for electronic statements, please check with the
provider of your e-mail account and/or the SPAM filter associated with your e-mail account.
5. Account Delinquency. We reserve the right, at any time and without notice, to stop providing you with electronic statements and provide you with paper statements,
if your account is not maintained in good standing.
6. Cancellation. We reserve the right, at any time, to stop providing you electronic statements and provide you with paper statements. If we do so, we will provide you
with prior notice, except in the case of account delinquency. Reasons for cancellation include, but are not limited to, not viewing your last three electronic statements.
Definitions used in this consent:
• “You” and “your” mean the primary applicant or accountholder;
• “We,” “us” and “our” mean Synchrony Bank;
• “Account” means your Synchrony Bank credit card account; and
• “Billing Statement” means the billing statement for your Account.
All other terms used in this consent shall have the meanings given to them in the Account agreement.

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 SECTIONS II, III, AND IV OF THE SYNCHRONY BANK CREDIT CARD ACCOUNT AGREEMENT
SECTION II: RATES, FEES AND PAYMENT INFORMATION

How Interest is Calculated

Your Interest Rate We use a daily rate to calculate the interest on the balance on your account each day. The daily rate for purchases is the APR times
1/365. The daily rate for purchases is .08217% (APR 29.99%). Interest will be imposed in amounts or at rates not in excess of those
permitted by applicable law.
When We Charge Interest We charge interest on your purchases from the date you make the purchase until you pay the purchase in full. See exceptions below.
• We will not charge you interest during a billing cycle on any non-promotional purchases if:
1. You had no balance at the start of the billing cycle; OR
2. You had a balance at the start of the billing cycle and you paid that balance in full by the due date in that billing cycle.
We always charge interest on promotional purchases and their related fees from the date you make the purchase.
• We will credit, as of the start of the billing cycle, any payment you make by the due date that we allocate to non-promotional
purchases if:
1. You had no balance at the start of the previous billing cycle; OR
2. You had a balance at the start of the previous billing cycle and you paid that balance in full by the due date in the previous
billing cycle.
How We Calculate We figure the interest charge on your account separately for each balance type. We do this by applying the daily rate to the daily
Interest balance for each day in the billing cycle. A separate daily balance is calculated for the following balance types, as applicable:
purchases and balances subject to different interest rates, plans or special promotions. See below for more details on how
this works.
1. How to get the daily balance: We take the starting balance each day, add any new charges and fees, and subtract any payments
or credits. This gives us the daily balance. Debt cancellation fees, if any, and late payment or returned payment fees are treated as
new purchases.
2. How to get the daily interest amount: We multiply each daily balance by the daily rate that applies.
3. How to get the starting balance for the next day: We add the daily interest amount in step 2 to the daily balance from
step 1.
4. How to get the interest charge for the billing cycle: We add all the daily interest amounts that were charged during the billing cycle.
We charge a minimum of $2.00 of interest in any billing cycle in which you owe interest. Interest, as calculated above, is added as
applicable to each balance type. Minimum interest charges in excess of the calculated interest are treated as new purchases.

How Fees Work

Late Payment Fee We will charge this fee if we do not receive the total minimum payment due on your account by 5 p.m. (ET) on the due date. This fee
is equal to:
1. $28, if you have paid your total minimum payment due by the due date in each of the prior six billing cycles.
OR
2. $39, if you have failed to pay your total minimum payment due by the due date in any one or more of the prior six billing cycles.
The late payment fee will not be more than the total minimum payment that was due.
Returned Payment Fee We will charge this fee if any check, other instrument, or electronic payment authorization you provide us in payment on your account,
is not honored, returned unpaid or cannot be processed for any reason. This fee is equal to $28. The returned payment fee will not be
more than the amount permitted by applicable law.

Minimum Payment Calculation

Your total minimum payment is calculated as follows.
The sum of:
a. For the new balance shown on your billing statement (excluding any balance attributable to a special promotional purchase with a unique payment calculation),
the greater of:
(i) $28; or
(ii) 3.5% of the new balance shown on your billing statement; or
(iii) The sum of 1% of your new balance shown on your billing statement plus interest and late payment fees charged in the current billing cycle; PLUS
b. Any past due amounts; PLUS
c. Any payment due in connection with a special promotional purchase with a unique payment calculation.
We round up to the next highest whole dollar in figuring your total minimum payment. Your total minimum payment will never be more than your new balance.

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 SECTION III: STANDARD PROVISIONS

ABOUT THE CREDIT CARD ACCOUNT AGREEMENT

This Agreement. This is an Agreement between you and Synchrony Bank, 170 Election Road, Suite 125, Draper, UT 84020, for your credit card account. By opening or
using your account, you agree to the terms of the entire Agreement. The entire Agreement includes the four sections of this document and the application you submitted
to us in connection with the account. These documents replace any other agreement relating to your account that you or we made earlier or at the same time.
Parties To This Agreement. This Agreement applies to each accountholder approved on the account and each of you is responsible for paying the full amount due, no
matter which one uses the account. We may treat each of you as one accountholder and may refer to each of you as “you” or “your.” Synchrony Bank may be referred
to as “we,” “us” or “our.”
Changes To This Agreement. We may change, add or delete terms of this Agreement, including interest rates, fees and charges.
Special Promotions. The terms of this Agreement apply to any special promotion. However, any special promotional terms that are different than the terms in this
Agreement will be explained on promotional advertising or other disclosures provided to you.
HOW TO USE YOUR ACCOUNT/CARD
Use Of Your Account. You may use your account only for lawful personal, family or household purposes. You may use your account for purchases from
dealers/merchants/retailers that accept the card.
You Promise To Pay. You promise to pay us for all amounts owed to us under this Agreement.
Your Responsibility. Each accountholder will receive a card. You may not allow anyone else to use your account. If you do, or if you ask us to send a card to someone
else, you will be responsible for paying for all charges resulting from their transactions.
Purchase Limits. To prevent fraud, we may limit the number or dollar amount of purchases you can make in any particular amount of time. We also may decline any
particular charge on your account for any reason.
Credit Limit. You will be assigned a credit limit that we may increase or decrease from time to time. If we approve a purchase that makes you go over your credit limit,
we do not give up any rights under this Agreement and we do not treat it as an increase in your credit limit.
HOW AND WHEN TO MAKE PAYMENTS
When Payments Are Due. You must pay at least the total minimum payment due on your account by 5 p.m. (ET) on the due date of each billing cycle. Payments
received after 5 p.m. (ET) will be credited as of the next day. You may at any time pay, in whole or in part, the total unpaid balance without any additional charge for
prepayment. If you have a balance subject to interest, earlier payment may reduce the amount of interest you will pay. We may delay making credit available on your
account in the amount of your payment even though we will credit your payment when we receive it.
Payment Options. You can pay by mail, online or at certain dealers/merchants/retailers that accept the card and payments. We may allow you to make payments
over the phone but we will charge you a fee to make expedited phone payments. Your payment must be made in U.S. dollars by physical or electronic check, money
order or a similar instrument from a bank located in the United States.
How To Make A Payment. You must follow the instructions for making payments provided on your billing statement. If you do not, credit of your payment may be
delayed up to five days. Your billing statement also explains how information on your check is used.
Payment Allocation. We will apply the required total minimum payment to balances on your account using any method we choose. Any payment you make in excess
of the required total minimum payment will be applied to higher APR balances before lower APR balances. Applicable law may require or permit us to apply excess
payments in a different manner in certain situations, such as when your account has a certain type of special promotion.
INFORMATION ABOUT YOU
Using And Sharing Your Information. When you applied for an account, you gave us, dealers/merchants/retailers that accept the card and program sponsors
information about yourself that we could share with each other. Dealers/merchants/retailers that accept the card and program sponsors (and their respective affiliates)
will use the information in connection with the credit program and for things like creating and updating their records and offering you special benefits. More information
about how we use and share information is set forth in the privacy policy for your account.
Address/Phone Change. You represent that any phone number that you provide to us belongs to you and/or that you are authorized to provide that number. You
also agree to tell us right away if you change your address or any phone number.
Consent To Communications. You consent to us, as well as any other owner or servicer of your account, contacting you through any channel of communication
and for any purpose, as permitted by applicable law. For informational, servicing, fraud, or collection related communications, you agree that we may use the phone
numbers that you provide to us to contact your cellular phone or wireless device with text messages, artificial or prerecorded voice calls, and calls made by an
automatic telephone dialing system. Text frequency may vary and may be recurring. This consent applies even if you are charged for the call under your plan. You are
responsible for any charges that may be billed to you by your communications carrier when we contact you. Message and data rates may vary. We and any carrier are
not liable for delayed or undelivered messages. If you have questions, please call the number on the back of your card.
Telephone Monitoring. For quality control, you allow us to listen to or record telephone calls between you and us.
IMPORTANT INFORMATION ABOUT YOUR ACCOUNT
Closing Your Account. You may close your account at any time by sending a letter to the address shown on your billing statement or calling customer service. We
may close your account at any time, for any reason. If your account is closed, you must stop using it. You must still pay the full amount you owe and this Agreement
will remain in effect until you do.
Collection Costs. If we ask an attorney who is not our salaried employee to collect your account, we may charge you our collection costs. These include court costs
and reasonable attorneys’ fees.
Credit Bureau Reporting. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your
account may be shown in your credit report. Tell us if you think we reported wrong information about you to a credit bureau. Write to us at Synchrony Bank,
P.O. Box 965036, Orlando, FL 32896-5036. Tell us what information is wrong and why you think it is wrong. If you have a copy of the credit report that includes the
wrong information, send us a copy.
Default. You are in default if you make a late payment, do not follow any other term of this Agreement or become bankrupt or insolvent. If you default or upon your
death, we may (a) request payment of the full amount due right away, (b) take legal action to collect the amounts owed, and/or (c) take any other action allowed.
Disputed Amounts. The billing rights summary in section IV of this Agreement describes what to do if you think there is a mistake on your bill. If you
send us correspondence about a disputed amount or payment, you must send it to the address for billing inquiries. We do not give up any rights
under this Agreement if we accept a payment marked “payment in full” or given with any other conditions or limitations.
Unauthorized Use. If your card is lost, stolen or used without your consent, call us immediately at 1-866-396-8254. You will not be liable for unauthorized use on
your account, but you will be responsible for all use by anyone you give your card to or allow to use your account.
IMPORTANT INFORMATION ABOUT THIS AGREEMENT
Assignment. We may sell, assign or transfer any or all of our rights or duties under this Agreement or your account, including our rights to payments. We do not have
to give you prior notice of such action. You may not sell, assign or transfer any of your rights or duties under this Agreement or your account.
Enforceability. If any part of this Agreement is found to be void or unenforceable, all other parts of this Agreement will still apply.

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Governing Law. Except as provided in the Resolving a Dispute with Arbitration section, this Agreement and your account are governed by federal law and, to the
extent state law applies, the laws of Utah without regard to its conflicts of law principles. This Agreement has been accepted by us in Utah.
Waiver. We may give up some of our rights under this Agreement. If we give up any of our rights in one situation, we do not give up the same right in another situation.
RESOLVING A DISPUTE WITH ARBITRATION
PLEASE READ THIS SECTION CAREFULLY. IF YOU DO NOT REJECT IT, THIS SECTION WILL APPLY TO YOUR ACCOUNT, AND MOST DISPUTES
BETWEEN YOU AND US WILL BE SUBJECT TO INDIVIDUAL ARBITRATION. THIS MEANS THAT: (1) NEITHER A COURT NOR A JURY WILL RESOLVE
ANY SUCH DISPUTE; (2) YOU WILL NOT BE ABLE TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING; (3) LESS INFORMATION WILL
BE AVAILABLE; AND (4) APPEAL RIGHTS WILL BE LIMITED.
1. CLAIMS AND PARTIES. If either you or we make a demand for arbitration, you and we must arbitrate any dispute or claim between you (including any other
user of your account), and us (including our parents, affiliates, agents, employees, officers, and assignees) that directly or indirectly arises from or relates to your
account, your account Agreement or our relationship, except as noted below. In addition, dealers/merchants/retailers and/or any assignee, agent, or service
provider of ours that collects amounts due on your account are intended beneficiaries of this Arbitration section and may enforce it in full (notwithstanding any
state law to the contrary).
2. This Arbitration section broadly covers claims based upon contract, tort, consumer rights, fraud and other intentional torts, negligence, constitution, statute,
regulation, ordinance, common law and equity and claims for money damages and injunctive or declaratory relief, even if they arose before this section took effect.
You may not sell, assign or transfer a claim.
3. Examples of claims subject to arbitration are disputes about an account transaction, fees, charges or interest, the events leading up to the Agreement (such as
any disclosures, advertisements, promotions or oral or written statements, warranties or representations made by us), an application for or denial of credit, any
product or service provided by us or third parties in connection with the Agreement, credit reporting, benefit programs related to your account including any
reward program, the collection of amounts due by our assignees, service providers, or agents and the manner of collection.
4. However, we will not require you to arbitrate any individual case in small claims court or your state’s equivalent court, so long as it remains an individual case in
that court. Also, even if all parties have opted to litigate a claim in court, you or we may elect arbitration with respect to any claim made by a new party or any claim
later asserted by a party in any related or unrelated lawsuit, including modifying an individual claim to assert a class, representative or multi-party claim. Arbitration
may be requested at any time, even where there is a pending lawsuit, unless a trial has begun, or a final judgment entered.
5. Only a court will decide disputes about the validity, enforceability, coverage or scope of this Arbitration section or any part thereof. However, any dispute that
concerns the validity or enforceability of the Agreement as a whole is for the arbitrator to decide.
6. NO CLASS ACTIONS. IF EITHER YOU OR WE ELECT TO ARBITRATE A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT (A) TO PARTICIPATE IN
A CLASS ACTION, PRIVATE ATTORNEY GENERAL ACTION OR OTHER REPRESENTATIVE ACTION IN COURT OR IN ARBITRATION, EITHER AS A CLASS
REPRESENTATIVE OR CLASS MEMBER, OR (B) TO JOIN OR CONSOLIDATE CLAIMS WITH CLAIMS OF ANY OTHER PERSONS EXCEPT ACCOUNTHOLDERS
ON YOUR ACCOUNT. THUS, YOU MAY NOT BRING CLAIMS AGAINST US ON BEHALF OF ANY ACCOUNTHOLDER WHO IS NOT AN ACCOUNTHOLDER ON
YOUR ACCOUNT, AND YOU AGREE THAT ONLY ACCOUNTHOLDERS ON YOUR ACCOUNT MAY BE JOINED IN A SINGLE ARBITRATION WITH ANY CLAIM
YOU HAVE.
7. PROCEDURES. The party who wants to arbitrate must notify the other party in writing. This notice can be given after the beginning of a lawsuit or in papers filed
in the lawsuit. Otherwise, your notice must be sent to Synchrony Bank, Legal Operation, P.O. Box 29110, Shawnee Mission, KS 66201-5320, ATTN: ARBITRATION
DEMAND. The party seeking arbitration must select either the American Arbitration Association (AAA), 120 Broadway, Floor 21, New York, NY 10271, www.adr.org,
or JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, www.jamsadr.com, to administer the arbitration. If neither administrator can handle the dispute, a
court with jurisdiction will appoint an arbitrator.
8. The arbitration administrator will appoint the arbitrator and will tell the parties what to do next. The arbitrator must be a lawyer with at least ten years of legal
experience. The arbitrator must apply the same law, consistent with the Federal Arbitration Act (FAA), that would apply to an individual action in court, but may
use different procedural rules. The arbitrator will apply the same statutes of limitation and privileges that a court would apply if the matter were pending in court.
9. The arbitrator may award any damages or other relief or remedies that would apply under applicable law to an individual action brought in court, including, without
limitation, punitive damages (governed by the Constitutional standards employed by the courts) and injunctive, equitable and declaratory relief (but only in favor
of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s individual claim). The parties will bear the fees and
costs of their attorneys, witnesses and experts. However, the arbitrator will have the authority to award fees and costs of attorneys, witnesses and experts to the
extent permitted by the Agreement, the administrator’s rules or applicable law.
10. The arbitration will take place by phone or at a location reasonably convenient to you. If you ask, we will pay all the fees the administrator or arbitrator charges if
you cannot obtain a waiver of fees from the administrator and are acting in good faith. We will always pay arbitration costs required by the administrator’s rules or
that are necessary for this Arbitration section to be enforced.
11. GOVERNING LAW. This Arbitration section is governed by the FAA. Utah law shall apply to the extent state law is relevant under the FAA, unless otherwise
stated herein. The arbitrator’s award will be final and binding, except for any appeal right under the FAA. Any court with jurisdiction may enter judgment upon
the arbitrator’s award. The arbitration award and any judgment confirming it will apply only to the specific case and cannot be used in any other case except to
enforce the award.
12. SURVIVAL. This Arbitration section shall survive the repayment of all amounts owed, the termination, cancellation or suspension of the Agreement or your
account or credit privileges, any legal proceeding, and any bankruptcy by you, to the extent consistent with applicable bankruptcy law. If this Arbitration section
conflicts with the applicable arbitration rules or the other provisions of the Agreement, this Arbitration section shall govern.
13. SEVERABILITY. If any portion of this Arbitration section is held to be invalid or unenforceable, the remaining portions shall nevertheless remain in force with the
following two exceptions. First, if a determination is made that the “No Class Actions” provision is unenforceable, and that determination is not reversed on appeal,
then this Arbitration section shall be void in its entirety. Second, if a court determines that a public injunctive relief claim may proceed notwithstanding the “No Class
Actions” provision, and that determination is not reversed on appeal, then the public injunctive relief claim will be decided by a court, and any individual claims will
be arbitrated. The parties will ask the court to stay the public injunctive relief claim until the other claims have been finally concluded.
14. HOW TO REJECT ARBITRATION. You may reject this Arbitration section. If you do that, a court will resolve any dispute or claim. To reject this section, send
us a notice within 45 days after you open your account or we first provided you with your right to reject this section. The notice must include your name, address,
account number, and personal signature, and must be mailed to Synchrony Bank, P.O. Box 965012, Orlando, FL 32896-5012. This is the only way you can reject
this section. Rejecting this Arbitration section will not affect any other provision of the Agreement. It will also not affect any prior arbitration agreement or dispute
resolution provision between you and us, which will remain in full force and effect. If you don’t reject this Arbitration section, it will be effective as of the date of the
Agreement and will supersede any prior arbitration agreement between you and us that would otherwise be applicable.

SECTION IV: OTHER IMPORTANT INFORMATION

NOTICE FOR ACTIVE DUTY MILITARY MEMBERS AND THEIR DEPENDENTS: The following disclosures apply to you if, at the time your account is opened, you
are a “covered borrower” as defined in the Military Lending Act, which includes eligible active duty members of the Armed Forces and their dependents:
1. The provision in this Agreement called “Resolving a Dispute with Arbitration” will not apply to your account.
2. Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of
consumer credit to a member of the Armed Forces and his or her dependent may not exceed an Annual Percentage Rate of 36 percent. This rate must include, as
applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit
transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other
than certain participation fees for a credit card account).
3. You can call 1-855-367-4541 to hear the information in item 2 (above) and a description of the payment obligation for your account.
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STATE NOTICES
NEW JERSEY RESIDENTS: Certain provisions of this Agreement are subject to applicable law. As a result, they may be void, unenforceable or
inapplicable in some jurisdictions. None of these provisions, however, is void, unenforceable or inapplicable in New Jersey.
TENNESSEE RESIDENTS: This Agreement will not become effective unless and until we have (1) provided the disclosures required pursuant to the federal Truth in
Lending Act, (2) you or an authorized user uses the account, and (3) we extend credit to you for that transaction on your account.
WISCONSIN RESIDENTS: No provision of a marital property agreement, a unilateral statement under sec. 766.59, Wis. Stats., or a court decree under sec. 766.70,
Wis. Stats., adversely affects the interest of the creditor unless the creditor, prior to the time credit is granted, is furnished a copy of the agreement, statement or decree
or has actual knowledge of the adverse provision when the obligation to the creditor is incurred. Married residents of Wisconsin applying for an individual
account must give us the name and address of their spouse if the spouse also is a Wisconsin resident, regardless of whether the spouse may use
the card. Please provide this information to us at P.O. Box 965033, Orlando, FL 32896-5033.
Your signature on the application or sales slip (or online screen) for the initial purchase approved on this account represents your signature on this
Agreement. It is incorporated herein by reference.
We have signed this Agreement as follows:

Margaret Keane
President and CEO
Synchrony Bank

YOUR BILLING RIGHTS SUMMARY

Your Billing Rights: Keep this Document for Future Use
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
What To Do If You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at:
Synchrony Bank
P.O. Box 965035
Orlando, FL 32896-5035
In your letter, give us the following information:
• Account information: Your name and account number.
• Dollar amount: The dollar amount of the suspected error.
• Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.
You must contact us:
• Within 60 days after the error appeared on your statement.
• At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.
You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay
the amount in question.
What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:
1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.
2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.
While we investigate whether or not there has been an error:
• We cannot try to collect the amount in question, or report you as delinquent on that amount.
• The charge in question may remain on your statement, and we may continue to charge you interest on that amount.
• While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
• We can apply any unpaid amount against your credit limit.
After we finish our investigation, one of two things will happen:
• If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.
• If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of
the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.
If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report
you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we
must let those organizations know when the matter has been settled between us.
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the
merchant, you may have the right not to pay the remaining amount due on the purchase.
To use this right, all of the following must be true:
1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than
$50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods
or services.)
2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card
account do not qualify.
3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:
Synchrony Bank
P.O. Box 965035
Orlando, FL 32896-5035
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point,
if we think you owe an amount and you do not pay, we may report you as delinquent.

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 PRIVACY POLICY
Rev. 3/17
FACTS WHAT DOES SYNCHRONY BANK
DO WITH YOUR PERSONAL INFORMATION?
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit
some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal
information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This
information can include:
 Social Security number and income
 Account balances and payment history
 Credit history and credit scores
How? All financial companies need to share customers’ personal information to run their everyday business. In the section
below, we list the reasons financial companies can share their customers’ personal information; the reasons
Synchrony Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does Synchrony Can you limit
Bank share? this sharing?
For our everyday business purposes—
such as to process your transactions, maintain your account(s), respond to court Yes No
orders and legal investigations, or report to credit bureaus
For our marketing purposes—
Yes No
to offer our products and services to you
For joint marketing with other financial companies Yes No
For our affiliates’ everyday business purposes—
Yes No
information about your transactions and experiences
For our affiliates’ everyday business purposes—
Yes Yes
information about your creditworthiness
For our affiliates to market to you Yes Yes
For nonaffiliates to market to you Yes Yes*

To limit our  Call 1-877-905-2097—our menu will prompt you through your choice(s)
sharing Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice, or
earlier if you consent or for types of information for which you do not have the right to limit our sharing. When you
are no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.
Questions? Call 1-877-905-2097

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Page 2
What we do
How does Synchrony To protect your personal information from unauthorized access and use, we use security measures that
Bank protect my comply with federal law. These measures include computer safeguards and secured files and buildings.
personal information?
How does Synchrony We collect your personal information, for example, when you
Bank collect my  open an account or give us your contact information
personal information?  provide account information or pay your bills
 use your credit card
We also collect your personal information from others, such as credit bureaus, affiliates, or other
companies.
Why can’t I limit Federal law gives you the right to limit only
all sharing?  sharing for affiliates’ everyday business purposes—information about your creditworthiness
 affiliates from using your information to market to you
 sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more
on your rights under state law.
What happens when I Your choices will apply to everyone on your account.
limit sharing for an
account I hold jointly
with someone else?
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
 Our affiliates include financial companies, such as Synchrony Financial and its subsidiaries, including
Retail Finance Credit Services, LLC and CareCredit LLC.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
 Nonaffiliates we share with can include the retailer named on your account and direct marketing
companies.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or
services to you.
 Our joint marketing partners include insurance companies.
Other important information
If your account has a California or Vermont billing address, you are automatically treated as if you have chosen to limit our sharing
of information with affiliates and nonaffiliates. If your account has a California billing address, we will not share information for joint
marketing purposes with other financial companies. If your account no longer has a California or Vermont address, these special rules
will stop applying and you will need to notify us if you want to exercise your right to restrict our sharing of information with affiliates
or nonaffiliates.

*Please keep in mind that, as permitted by federal law, if you choose to limit our sharing of information with nonaffiliates, your choice will not prohibit us from
sharing your information with dealers/merchants/retailers/contractors/providers (and their affiliates and program sponsors) that accept the credit card in con-
nection with maintaining and servicing the consumer program identified on your credit card agreement or credit card, including marketing of such program.
The above notice applies only to the consumer credit card account with Synchrony Bank, as identified on your credit card agreement or credit card, and does
not apply to any other accounts you have with us. It replaces our previous privacy notice disclosures to you. We can change our privacy policy at any time and
will let you know if we do if/as required by applicable law.
For helpful information about identity theft, visit the Federal Trade Commission’s (FTC) consumer website at https://www.identitytheft.gov/ .

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