P.O. Box 105972, Atlanta, GA 30348-5972

Last Updated: September 26, 2022

Electronic Delivery Terms & Conditions for PayPal Savings
By selecting "I Agree" below, you are agreeing to receive electronically the documents,
disclosures and notices identified below (collectively, "Electronic Communications"). Your
consent applies unless and until you withdraw your consent as described below.
The Electronic Communications from Synchrony Bank (the Bank” or “we”) related to PayPal
Savings (the “Service”) will be made available to you through PayPal, Inc.’s (“PayPal”) website
and mobile application, as the Bank’s service provider. You agree that this consent applies withrespect to your Bank deposit account an ("Account") that you access through the Service fromtime to time. All Electronic Communications from the Bank to you will be considered "in writing."
You should print or download a copy of this consent, the Account Agreement, and any otherelectronic communication that is important to you for your records.
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 andNational Commerce Act (the "Act"), and that you and we both intend that the Act apply to thefullest extent possible to validate our ability to conduct business and communicate with you byelectronic means.
What is covered by this consent?
If you provide this consent to Electronic Communications in connection with the opening of an
Account, this consent applies to the documents, disclosures and notices applicable to yourAccount or the Service, including the following materials:• Your Account Agreement and any amendment to it• Any other agreements, terms or conditions that apply to your use of the Account or Service• Any initial, periodic or occasional disclosures provided in connection with the opening of anAccount or use of an Account or the Service, including Truth in Savings disclosures,Electronic Funds Transfer disclosures, our Funds Availability Policy, our Privacy Notice, ourOnline Privacy Statement and fee schedules• Your Account statements and transaction records, as well as statement inserts• Federal and state tax statements we are required to make available to you• Other disclosures required by law or regulation
If you provide this consent to Electronic Communications in connection with electing to use aproduct or service through the Service, this consent applies to the documents, disclosures andnotices applicable to such product or service, including the following materials:
Page 1 of 4• Any agreements, terms or conditions that apply to your use of such product or service
offered by or through us in connection with your Account that you access electronically• Federal and state tax statements we are required to make available to you• Other disclosures required by law or regulation relating to such product or service
Any inserts that would be included with a statement sent by U.S. mail may also be sent to youelectronically. Notwithstanding your consent to Electronic Communications, we may send you
paper copies of documents, disclosures and notices. These Electronic Communications mayinclude your name and some information about your Account; however, we will not include yourfull account number or social security number in any email communication. Electroniccommunications may be reviewed by any party with access to your Account, the e-mail account
you have provided to us for delivering e-mail alerts, or the hardware or software you use to view
your Account information or your e-mail account.
What do I need to access Electronic Communications?
In order to access certain personalized Electronic Communications, you must log in to yourPayPal account. Other Electronic Communications may be accessible on the public portion of ourwebsite or PayPal’s website.
To access and retain Electronic Communications, you will need the following computer hardware
and software: (i) a computer with an Internet connection; (ii) a current web browser that includes
128-bit encryption (e.g. Internet Explorer version 6.0 and above, Firefox version 2.0 and above,
Chrome version 3.0 and above, or Safari 3.0 and above) with cookies enabled; (iii) Adobe Acrobat
Reader version 8.0 and above to open documents in .pdf format; (iv) a valid email address (yourprimary email address on file with PayPal); and (v) sufficient storage space to save past Electronic
Communications or an installed printer to print them. We will notify you if there are any materialchanges to the hardware or software needed to receive Electronic Communications. By giving
your consent you are confirming that you have access to the necessary equipment and are able
to receive, open, and print or download a copy of any Electronic Communications for your records.
You may print or save a copy of these Electronic Communications for your records as they may
not be accessible online at a later date.
Note that your Form 1099-INT will be available electronically in your PayPal account at least 2(two) years from the date it is posted. You may print or save a copy of your Form 1099-INT foryour records, as it may not be accessible online at a later date.
Contact PayPal immediately at 402-938-3614 if you have any difficulty accessing your ElectronicCommunications or if you have any questions about your electronic delivery instructions.
We do not endorse, and have no responsibility for, any computer, mobile device or
telecommunications provider. Access fees by internet or wireless service providers may apply toyour receipt of Electronic Communications through the Service.

Page 2 of 4

Can I get paper copies?
Generally no. You must agree to receive electronic delivery of all Electronic Communications(including all agreements and account statements) that we are required or decide to send to you
for your account.
You may, however, at any time elect to receive your Form 1099-INT in paper form by logging into
your PayPal account and changing your Tax Statement Delivery Preference.
How do I update my information or withdraw my consent to Electronic Communications?
You can update your contact information by logging into your PayPal account and updating yourcontact information.
You can withdraw your consent to Electronic Communications at any time by calling PayPalcustomer service at 402-938-3614. Withdrawing your consent to receive ElectronicCommunications will not affect the legal effect, validity or enforceability of any Electronic
Communication that is made available prior to such withdrawal or of any related transaction. If
you withdraw your consent to receive Electronic Communications, your account will be closed.
You can specifically withdraw your consent to receive your Form 1099-INT only electronically bylogging into your PayPal account and changing your Tax Statement Delivery Preference. You willcontinue to receive all other communications electronically, but we will send your Form 1099-INT
to you by U.S. mail.
Can I continue to use the Service if I withdraw my consent?
No. You must consent to receive Electronic Communications in order to open an Account, orinitiate a new product or service through the Service, and to continue to use the Service thereafter.
Withdrawal of your consent to receive Electronic Communications will result in your account being
closed, at which point Electronic Communications will no longer be provided. Any balance in youraccount will be transferred to your PayPal balance. However, you agree that we may continue tocommunicate with you electronically with respect to any document, disclosure or notice that is not
required by law to be in writing.
What happens to my Electronic Communications if I close my account?
Electronic Communications will no longer be provided if you close your Account. However, youagree that we may continue to communicate with you electronically with respect to any document,
disclosure or notice that is not required by law to be in writing.
Can the Bank change the terms and conditions of this consent?
We may modify the terms and conditions of this consent in our discretion from time to time. We
will provide notice of any such modification by posting the modification on the Service. You canPage 3 of 4reject the modification by withdrawing your consent to Electronic Communications as provided
above and closing your account. If you fail to withdraw your consent to Electronic Communications
before the effective date stated in the modification, you will be deemed to have agreed to themodification. Your continued use of the Service without withdrawing your consent to Electronic
Communications also will confirm your agreement to the modification of this consent.

Page 4 of 4