PRIV—DEPOSITS[23269V]
3/17
RETAIL

Ef f ective: September 21, 2021

SYNCHRONY BANKPRIVACY POLICY
Rev. 3/17

FACTS

WHAT DOES SYNCHRONY BANKDO WITH YOUR PERSONAL INFORMATION?

Why?

Fi nanci al co mp ani es choose ho w they share yo ur p erso nal i nformatio n. Fed eral l aw gives co nsumers theright to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, andprotect your personal inf ormation. Please read this notice caref ully to understand what we do.

What?

The types of personal inf ormation we collect and share depend on the product or service you have withus. This inf ormation can include:■ Social Security number and income■ Account balances and transactio n history■ Overd raft history and account transactio ns
When you are no longer our customer, we continue to share your informatio n as described in this notice.

How?

All f inancial companies need to share customers’ personal inf ormation to run their everyday business. Inthe sectio n b elo w, we list the reaso ns fi nanci al co mp ani es can share thei r custo mers’ p erso nal i nfo rmatio n;
the reasons Synchrony Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does
Synchrony
Bank share?

Can you limit
this sharing?

For our everyday business purposes—
such as to process your transactio ns, maintai n your account(s), respond to court
orders and legal investigations, or report to credit bureaus

Yes

NoFor our marketing purposes—
to of f er our products and services to you

YesNoFor joint marketing with other financial companies

NoWe don’t share

For our affiliates’ everyday business purposes—
informatio n about your transactio ns and experiences

YesNo

For our affiliates’ everyday business purposes—
informatio n about your creditworthinessNo

We don’t share

For nonaffiliates to market to you

No

We don’t share

For our affiliates to market to you

No

We don’t share

Questions?

Call 1-866-226-5638 or go to www.synchronybank.com

Page 2
What we doHow does Synchrony
Bank protect my personal
information?

To p ro tect yo ur p erso nal info rmatio n f ro m unautho ri zed access and use, we use securi ty
measures that co mply with f ed eral l aw. These measures i ncl ud e co mp uter saf eg uard s andsecured f iles and buildings.

How does Synchrony
Bank collect my personal
information?

We collect your personal informatio n, for example, when you■ open an account or deposit money■ provide account informatio n or give us your contact informatio n■ make deposits or withdrawals f rom your accountWe also collect your personal information from others, such as credit bureaus, affiliates, orother companies.

Why can’t I limit
all sharing?

Federal law gives you the right to limit only
■ sharing for affiliates’ everyday business purposes—i nfo rmatio n about your creditworthiness■ affiliates from using your informatio n to market to you■ sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.

Definitions
Affiliates

Compani es related by common ownership or control. They can be financial and nonfinancial
companies.
■ Our affiliates include financial compani es, such as Synchrony Financial and its subsidiari es,
including Retail Finance Credit Services, LLC and CareCredit LLC.

Nonaffiliates

Companies not related by common ownership or control. They can be f inancial andnonf inancial companies.
■ Synchrony Bank does not share with nonaffili ates so they can market to you.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial
products or services to you.
■ Synchrony Bank doesn’t jointly market.

The above notice applies only to Deposit Accounts with Synchrony Bank and does not apply to any other accounts you
have with us. It repl aces o ur p revio us p rivacy noti ce disclosures to yo u. We can chang e o ur p ri vacy policy at any ti me andwill let you know if we do if /as required by applicable law.
For helpf ul inf ormation about identity thef t, visit the Federal Trade Commission’s (FTC) consumer website athttps://www.identitythef t.gov/ .