CARECREDIT/SYNCHRONY BANK ALICIA E FRIAS

Account Number : xxxx xxxx xxxx 5088

Statement Closing Date: 05/26/2023

Summary of Account Activity Payment Information

Previous Balance $1,740.73 New Balance $1,688.18
+ New Purchases $0.00 Total Minimum Payment Due $55.00
- Payments $57.00 Payment Due Date 06/18/2023
+/- Credits, Fees & Adjustments (net) $0.00
PAYMENT DUE BY 5 P.M. EASTERN ON THE DUE DATE.
+/- Interest Charge (net) $4.45 We may convert your payment into an electronic debit. See
New Balance $1,688.18 reverse side.

Credit Limit $2,000.00

Available Credit $311.00 Late Payment Warning: If we do not receive your Total
Days in Billing Period 31 Minimum Payment Due by the Payment Due Date listed above,
you may have to pay a late fee up to $41.00.
Pay online for free at: mysynchrony.com Minimum Payment Warning: Making only the Total Minimum
For Synchrony Bank customer service or to report your Payment Due will increase the amount of interest you pay and
card lost or stolen, call (1-866-893-7864). the time it takes to repay your balance. For example:
Best times to call are Wednesday - Friday. If you make no You will pay off And you will end up
additional charges the balance shown paying an estimated
using this card and on this statement total of ...
each month you in about ...
pay ...
Only the minimum 12 years $5,482.00
payment
$77.00 3 years $2,788.00
(Savings =
$2,694.00)
If you would like information about credit counseling services,
call 1-877-302-8797.

Promotional Expiration Notification

YOU MUST PAY EACH PROMOTIONAL BALANCE IN FULL BY ITS EXPIRATION DATE TO AVOID PAYING DEFERRED
INTEREST CHARGES. PLEASE SEE THE PROMOTIONAL PURCHASE SUMMARY SECTION ON THIS STATEMENT
FOR FURTHER DETAILS. YOU HAVE A PROMOTION(S) EXPIRING ON 10/25/24 AND 12/26/24.

* NOTICE: See reverse side and additional pages (if any) for important information concerning your account.

Pay online at mysynchrony.com or enclose this coupon with your check. Please use blue or black ink.

Total Minimum Payment Due Date New Balance Account Number

Payment Due
$55.00 06/18/2023 $1,688.18 xxxx xxxx xxxx 5088

Payment Enclosed : $ .
New address or e-mail? If you only pay the Total Minimum Due it may not pay off the Promotional Purchase by the Expiration Date.
Check the box at left and
print changes on back

ALICIA E FRIAS
1631 N JAMES AVE
Make Payment to: SYNCHRONY BANK
PANAMA CITY FL 32405-6339
PO BOX 71715
PHILADELPHIA, PA 19176-1715
Promotional Purchase Summary
Promotional Promotional Deferred Tran Date Description Initial
Expiration Balance Interest Charge Purchase
Date Amount
Deferred Interest/No Interest If Paid In
10/25/2024 $192.00 $35.00 10/20/2022 $200.00
Full
Deferred Interest/No Interest If Paid In
12/26/2024 $1,300.00 $174.08 12/08/2022 $1,300.00
Full
A summary of your promotional purchase is provided above.
If you have a DEFERRED INTEREST/NO INTEREST IF PAID IN FULL promotion: To avoid paying Deferred Interest Charges
on these promotion(s), you must pay the entire applicable Promotional Balance by the Promotional Expiration Date. On a
Fixed Payment (Extended Payment Plan) promotional purchase, the Interest Charge is billed monthly and included as part of
the Minimum Payment due.

To make more than one payment see Make Payment To address or pay online at mysynchrony.com.

Transaction Summary
Tran Date Post Date Reference Number Description Amount

05/03/2023 05/03/2023 85348123W01N1QDKB PAYMENT - THANK YOU ($57.00)

FEES
TOTAL FEES FOR THIS PERIOD $0.00
INTEREST CHARGED
05/26/2023 05/26/2023 INTEREST CHARGE ON PURCHASES $4.45
TOTAL INTEREST FOR THIS PERIOD $4.45

2023 Totals Year-to-Date

Total Fees Charged in 2023 $30.00
Total Interest Charged in 2023 $16.18
Total Interest Paid in 2023 $0.00

Interest Charge Calculation

Expiration Date Annual Balance Subject to Interest Charge
Type of Balance Percentage Interest Rate
Rate (APR)
Purchases NA 26.99% $193.86 $4.45
Deferred Interest/No Interest If Paid In Full 10/25/2024 26.99% $226.12 $0.00
Deferred Interest/No Interest If Paid In Full 12/26/2024 26.99% $1,456.78 $0.00

New Promotional Financing Plans

This notice is to let you know about some promotional financing plans that may be available for you when you use your card for
future purchases. This is only a summary of key terms. At times, we may offer you other promotional financing plans for
certain purchases. Details of available promotions will be provided to you at the time of your transactions. Not all plans or all
plan periods will be available at every retailer. For purposes of this notification, your Purchase Annual Percentage Rate
("APR") is 26.99% . See the Interest Charge Calculation section of this billing statement to determine if this APR is variable. If
a (v) is shown next to your APR, this APR will vary with the market based on the prime rate. Subject to credit approval.
Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional purchase.

No Interest if Paid Within Promotional Period

(These can be advertised as Deferred Interest promotions)
Under this promotion, no Interest Charges will be assessed if the promotional purchase balance is paid in full within the
promotional period. If the promotional purchase balance is not paid in full by the end of the promotional period, interest will be
imposed from the date of purchase at the Purchase APR stated above. Minimum or fixed monthly payments are required. This
promotion may be offered for periods of 6, 12, 18, or 24 months.

Please keep this for your records. If you have any questions, please call us at the Customer Service number shown on your
statement.
Cardholder News & Information
In order to protect your account privacy, we are unable to provide account information to anyone other than the cardholder(s) or
an authorized party. If you wish to permit us to speak to an authorized party such as a spouse about your account, please send
written authorization to the General Inquiries address.
Please Note: Our current Payment address has changed. If you mail your payment, please use the new address on
your remittance coupon portion of the statement.
If you need to contact Synchrony about the loss of a Synchrony cardholder, you can submit a deceased notification form
located at www.syf.com under the 'Contact Us' page.
Synchrony Bank may continue to obtain information, including employment and income information from others about you
(including requesting reports from consumer reporting agencies and other sources) to review, maintain or collect your account.
PLEASE READ THE IMPORTANT CHANGE-IN-TERMS NOTICE INCLUDED ON THIS BILLING STATEMENT. THIS
NOTICE MAKES CHANGES TO THE CARDHOLDER AGREEMENT GOVERNING YOUR ACCOUNT.
Important Changes to Your Account Terms
The following is a summary of changes that are being made to your account terms. Unless
otherwise noted, these changes will take effect on 07/26/23.

You have the right to reject the addition of a Returned Payment Fee. However, if you reject this
change, you will not be able to use your account for new transactions. You can reject the change
by calling us at 1-855-452-3719.

Revised Terms
$30
Returned Payment
Fee

Additional Information about the Returned Payment Fee change

We are adding a Returned Payment Fee to your account. 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. The following Returned
Payment Fee terms will be added to your credit card agreement. Please keep this important
document for your records.

"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 $30. The returned payment fee will not be more than the amount
permitted by applicable law."

In addition, when calculating interest, Returned Payment Fees will be treated as new purchases.
The following terms will replace with the How We Calculate Interest provision of your existing
agreement. Please keep this important document for your records.

"We figure the interest charge on your account separately for each balance type. We do this by
applying the daily rate to the daily 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 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 fees 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."