EX-10.6



 Exhibit 10.6 

INTELLECTUAL PROPERTY CROSS LICENSE AGREEMENT 

This INTELLECTUAL PROPERTY CROSS LICENSE AGREEMENT (this “Agreement”), dated as of August 5, 2014 (the
“Effective Date”), is made and entered into by and between General Electric Company, a New York corporation (“GE”) and General Electric Capital Corporation, a Delaware corporation (“GECC”), on the
one hand, and Synchrony Financial, a Delaware corporation (“Company”), on the other hand. 
 WHEREAS, GE, GECC and Company
previously entered into that certain Master Agreement, dated as of July 30, 2014 (as amended, modified or supplemented from time to time in accordance with its terms, the “Master Agreement”); 

WHEREAS, the Master Agreement requires the execution and delivery of this Agreement by the parties hereto as of the Effective Date; 

WHEREAS, GE and its Affiliates Control certain Intellectual Property that they desire to license to Company and its Subsidiaries in accordance
with the terms, and subject to the conditions, set forth herein; and 
 WHEREAS, Company and its Subsidiaries Control certain Intellectual
Property that they desire to license to GE and its Affiliates in accordance with the terms, and subject to the conditions, set forth herein. 

NOW THEREFORE, in consideration of the mutual covenants contained herein and for other good and valuable consideration, the receipt and
adequacy of which are hereby acknowledged, the parties hereto, intending to be legally bound, hereby agree as follows: 
 ARTICLE I

 DEFINITIONS 

Section 1.01. Certain Defined Terms. Unless otherwise defined herein, all capitalized terms used herein shall have the meanings
ascribed to such terms in the Master Agreement. The following capitalized terms used in this Agreement shall have the meanings set forth below: 

(a) “Company Intellectual Property” means Intellectual Property that is (i) Controlled by Company and its Subsidiaries as
of the Effective Date or the date it is assigned to Company and such Subsidiaries pursuant to the Master Agreement and (ii) in Use, held for Use or Contemplated To Be Used by GE and its Affiliates as of the Effective Date or the date of such
assignment. 
 (b) “Contemplated To Be Used” means that there are contemporaneous books or records, whether in hard copy or
electronic or digital format (including emails, databases, and other file formats) evidencing a specific, good faith intention of future Use. 







 (c) “Control” or “Controlled” means, with respect to any
Intellectual Property, the right to grant a license or sublicense to such Intellectual Property as provided for herein without (i) violating the terms of any agreement or other arrangement with any third party (ii) requiring any consent,
approvals or waivers from any third party, or any breach or default by the Party being granted any such license or sublicense being deemed a breach or default affecting the rights of the Party granting such license or sublicense, or
(iii) requiring the payment of material compensation to any third party. 
 (d) “FSB” means GE Capital Retail Bank.

 (e) “GE Intellectual Property” means Intellectual Property that is (i) Controlled by GE and its Affiliates as of the
Effective Date or the date it is assigned to GE and its Affiliates pursuant to the Master Agreement and (ii) in Use, held for Use or Contemplated To Be Used by the Company and its Subsidiaries as of the Effective Date or the date of such
assignment, but specifically excludes (A) the GE Materials, (B) Intellectual Property Controlled by GE and its Affiliates that is expressly made available under the Transitional Services Agreement, (C) any and all rights in internet
protocol addresses, and (D) any Patents that are subject to standard-setting organization obligations. 
 (f) “GE
Materials” means, collectively, (i) the accounting policies and related documentation of GE and its Affiliates (“Accounting Policies”), (ii) Six Sigma and LEAN Software, documentation and materials of GE and its
Affiliates (the “Six Sigma Materials”), (iii) the corporate policies and manuals of GE and its Affiliates, and (iv) the training materials of GE and its Affiliates. 

(g) “Improvement” means any modification, derivative work or improvement of any Technology, whether patented or not and
whether patentable or not. 
 (h) “Intellectual Property” means all of the following, whether protected, created or arising
under the laws of the United States or any other foreign jurisdiction, including: (i) all invention disclosures (whether patentable or unpatentable and whether or not reduced to practice) and all United States and non-U.S. patents, patent
applications (along with all patents issuing thereon), statutory invention registrations, divisions, continuations, continuations-in-part, substitute applications of the foregoing and any extensions, reissues, restorations and reexaminations
thereof, and all rights therein provided by international treaties or conventions (collectively, “Patents”), (ii) copyrights, mask work rights, database rights and design rights, whether or not registered, published or
unpublished, and registrations and applications for registration thereof; and all rights therein whether provided by international treaties or conventions or otherwise, (iii) trade secrets, and (iv) all other applications and registrations
related to any of the intellectual property rights set forth in the foregoing clauses (i)—(iii) above. As used in this Agreement, the term “Intellectual Property” expressly excludes (x) trademarks, service marks,
trade names, service names, trade dress, logos, monograms, domain names, domain name locators, and other identifiers of source, including all goodwill associated therewith, and any and all common law rights, and registrations and applications for
registration thereof, all rights therein provided by international treaties or conventions, and all reissues, extensions and renewals of any of the foregoing, and (y) intellectual property rights arising from or in respect of domain names,
domain name registrations and reservations. 
 (i) “Licensee” means a Party receiving a license or sublicense under this
Agreement. 







 (j) “Licensor” means a Party granting a license under this Agreement. 

(k) “Party” means, on the one hand, GE and its Affiliates (including GECC) and, on the other hand, Company and its
Subsidiaries, and “Parties” means, collectively, GE and its Affiliates and Company and its Subsidiaries. To the extent the term “Party” or “Parties” is used in this Agreement and the context applies to a right or
obligation that would be enjoyed or performed by of an Affiliate of GE or GECC, or a Subsidiary of Company, such right shall be deemed to flow to the Affiliate or Subsidiary, as applicable, while GE and GECC shall cause the applicable Affiliate to
perform the obligation, and Company shall cause the applicable Subsidiary to perform the obligation. 
 (l) “party hereto”
means, on the one hand, GE and GECC, and on the other hand, Company. “parties hereto” means, collectively, GE, GECC and Company. 

(m) “Representatives” means, with respect to a Person, the Affiliates of such Person (or in the case of Company, the
Subsidiaries of Company) and the directors, officers, partners, employees, agents, consultants, contractors, advisors, legal counsel, accountants and other representatives of such Person and its Affiliates (or in the case of Company, the
Subsidiaries of Company). 
 (n) “Software” means the object and source code versions of computer programs and associated
documentation, training materials and configurations to use and modify such programs, including programmer, administrator, end user and other documentation. 

(o) “Technology” means, collectively, all technology, designs, formulae, algorithms, procedures, methods, discoveries,
processes, techniques, ideas, know-how, research and development, technical data, tools, materials, specifications, inventions (whether patentable or unpatentable and whether or not reduced to practice) apparatus, creations, improvements, works of
authorship in any media, confidential, proprietary or non-public information, and other similar materials, and all recordings, graphs, drawings, reports, analyses, other writings, and other tangible embodiments of the foregoing, in any form, whether
or not specifically listed herein, and all related technology, including Software. 
 (p) “Use” means to use and practice,
license, sublicense, and otherwise exploit; to make, have made, use, sell, offer to sell, have sold, import and otherwise provide, commercialize and legally dispose of products and services under; and to develop and create Improvements in connection
with. 
 ARTICLE II 

LICENSE GRANT 

Section 2.01. Grant from GE to Company and its Subsidiaries. 

(a) GE hereby grants and agrees to grant, and shall cause its Affiliates to grant and agree to grant, to Company and its Subsidiaries a
non-exclusive, irrevocable, royalty-free, fully paid-up, worldwide, perpetual right and license, with no right to sublicense except as expressly provided in Section 2.01(b), under the GE Intellectual Property: (i) to allow








 
employees, directors and officers of Company and its Subsidiaries to use and practice the GE Intellectual Property solely for internal purposes; (ii) to make, have made, use, sell, offer to
sell, have sold, import, and otherwise provide, commercialize and legally dispose of products and services under the GE Intellectual Property; and (iii) to develop and create Improvements in connection with the GE Intellectual Property. As a
condition to having any product or service made by any third party pursuant to the foregoing sentence, Company and its Subsidiaries will obtain a written agreement from such third party (a) with confidentiality undertakings that are no less
restrictive than those contained in this Agreement and (b) that provides that such third party will make such products or services only on behalf of and at the direction of Company and its Subsidiaries. For the avoidance of doubt, the licenses
granted in this Section 2.01(a) cover Technology embodying Intellectual Property identified in this Section 2.01(a). 

(b) Company and its Subsidiaries may grant sublicenses of the rights and licenses granted under this Section 2.01 to an acquirer of
any of the businesses, operations or assets of Company or its Subsidiaries to which this Agreement relates with regard solely to such business, operations or assets (and not any other businesses, operations, or assets of such acquirer), which
acquirer executes an agreement to be bound by all obligations of Company and its Subsidiaries under this Agreement relating to such right and license. Company and its Subsidiaries shall promptly provide a copy of such agreement to GE. 

(c) Subject to the terms and conditions of Article VI, Company and its Subsidiaries may permit their suppliers, contractors and
consultants to exercise any or all of the rights and licenses granted to Company and its Subsidiaries under this Section 2.01 on behalf of and at the direction of Company and its Subsidiaries (and not solely for the benefit of such
suppliers, contractors and consultants). 
 (d) Notwithstanding anything in this Agreement to the contrary, Company and its Subsidiaries will
not Use the Intellectual Property set forth on Exhibit A (the “GE Restricted Intellectual Property”) in the territories and fields set forth on Exhibit A without the prior written consent of GE, which shall not be
unreasonably withheld. 
 Section 2.02. Grant from Company to GE and its Affiliates. 

(a) Company hereby grants and agrees to grant, and shall cause its Subsidiaries to grant and agree to grant, to GE and its Affiliates a
non-exclusive, irrevocable, royalty-free, fully paid-up, worldwide, perpetual right and license, with no right to sublicense except as expressly provided in Section 2.02(b), under the Company Intellectual Property: (i) to allow
employees, directors and officers of GE and its Affiliates to use and practice the Company Intellectual Property solely for internal purposes; (ii) to make, have made, use, sell, offer to sell; have sold, import, and otherwise provide,
commercialize and legally dispose of products and services under the Company Intellectual Property; and (iii) to develop and create Improvements in connection with the Company Intellectual Property. As a condition to having any product or
service made by any third party pursuant to the foregoing sentence, GE and its Affiliates will obtain a written agreement from such third party (a) with confidentiality undertakings that are no less restrictive than those contained in this
Agreement and (b) that provides that such third party will make such products or services only on behalf of and at the direction of GE and its Affiliates. For the avoidance of doubt, the licenses granted in this Section 2.02(a)
cover Technology embodying Intellectual Property identified in this Section 2.02(a). 







 (b) GE and its Affiliates may grant sublicenses of the right and license granted under this
Section 2.02 to an acquirer of any of the businesses, operations or assets of GE or its Affiliates to which this Agreement relates with regard solely to such business, operations or assets (and not any other businesses, operations, or
assets of such acquirer), which acquirer executes an agreement to be bound by all obligations of GE and its Affiliates under this Agreement relating to such right and license. GE and its Affiliates shall promptly provide a copy such agreement to
Company. 
 (c) Subject to the terms and conditions of Article VI, GE and its Affiliates may permit their suppliers, contractors and
consultants to exercise any or all of the rights and licenses granted to GE and its Affiliates under this Section 2.02 on behalf of and at the direction of GE and its Affiliates (and not solely for the benefit of such suppliers,
contractors and consultants). 
 (d) Notwithstanding anything in this Agreement to the contrary, GE and its Affiliates will not Use in the
United States and Canada the Company Intellectual Property set forth on Exhibit B (the “Company Restricted Intellectual Property”) in the fields set forth on Exhibit B without the prior written consent of Company,
which shall not be unreasonably withheld. For the avoidance of doubt, it shall not be deemed unreasonable to withhold consent if any such Use is for or in connection with a competitor, customer or potential customer of the Company and its
Subsidiaries. 
 Section 2.03. Third Party Licenses. To the extent that any Intellectual Property owned by a third party is
licensed under Sections 2.01 or 2.02, the license of such Intellectual Property hereunder shall be subject to all of the terms and conditions of the relevant agreement between the Licensor and such third party pursuant to which such
Intellectual Property has been licensed to Licensor. 
 Section 2.04. Improvements. As between the Parties, Improvements made
after the Effective Date and all Intellectual Property rights therein shall be owned by the Party making such Improvement or on whose behalf such Improvement was made. For the avoidance of doubt, (i) such Party making such Improvement shall not
own any Intellectual Property rights licensed to such Party hereunder and (ii) such Party may freely assign or license such Improvements but shall not have the right to assign any underlying Intellectual Property of the other Party and shall
only have the right to sublicense the underlying Intellectual Property of the other Party as expressly set forth herein. No rights are granted hereunder to a Party to any Improvements made by, or on behalf of another Party or any Intellectual
Property rights therein to the extent such Improvement was made after the Effective Date. 
 Section 2.05. Section 365(n) of
the Bankruptcy Code. All rights and licenses granted under this Agreement are, and shall otherwise be deemed to be, for purposes of Section 365(n) of the United States Bankruptcy Code (the “Bankruptcy Code”), licenses of
rights to “intellectual property” as defined under Section 101(35A) of the Bankruptcy Code. The Parties shall retain and may fully exercise all of their respective rights and elections under the Bankruptcy Code. 







 Section 2.06. Customers. Each Party agrees that it shall use reasonable
efforts to not knowingly bring any legal action or proceeding against, or otherwise communicate with, any customer of another Party with respect to any alleged infringement, misappropriation or violation of any Intellectual Property of such other
Party to the extent licensed hereunder based on such customer’s use of the other Party’s products or services without first providing the other Party written notice of such alleged infringement, misappropriation or violation. 

Section 2.07. Reservation of Rights. All rights not expressly granted by a Party hereunder are reserved by such Party. Without
limiting the generality of the foregoing, the Parties expressly acknowledge that nothing contained herein shall be construed or interpreted as a grant, by implication or otherwise, of any licenses other than the licenses expressly set forth in this
Article II. The licenses granted in Sections 2.01 and 2.02 are subject to, and limited by, any and all licenses, rights, limitations and restrictions with respect to, as applicable, the GE Intellectual Property and the Company
Intellectual Property previously granted to or otherwise obtained by any third party that are in effect as of the Effective Date. 

ARTICLE III 
 COVENANTS

 Section 3.01. Further Assistance. Until one (1) year after the Effective Date, each Party hereby covenants and
agrees that it shall, at the request and expense of another Party, use commercially reasonable efforts to assist the other Party in its efforts to obtain any third party consent, approval or waiver necessary to enable such other Party to obtain a
license to any Intellectual Property (for the avoidance of doubt, other than Intellectual Property excluded pursuant to Section 1.01(e)(A)-(D)) that, but for the requirements set forth in the definition of Control, would be the subject
of a license granted pursuant to Section 2.01 or 2.02 hereunder; provided, however, that such Party shall not be required to seek broader rights or more favorable terms for the other Party than those applicable to
such Party prior to the date hereof or as may be applicable to such Party from time to time thereafter. For the avoidance of doubt, Licensor shall not be required to compensate any third party, commence or participate in litigation or offer or grant
any accommodation (financial or otherwise) to any third party to obtain any such consent or approval under this Section 3.01. The Parties acknowledge and agree that there can be no assurance that such Party’s efforts will be
successful or that the other Party will be able to obtain such licenses or rights on acceptable terms or at all. 
 Section 3.02.
Ownership. No Party shall represent that it has any ownership interest in any Intellectual Property of another Party licensed hereunder. 

Section 3.03. Prosecution and Maintenance. Each Party retains the sole right to protect at its sole discretion the Intellectual
Property and Technology owned by such Party, including deciding whether and how to file and prosecute applications for registration (including for patents, copyrights and mask work rights) included in such Intellectual Property, whether to abandon
prosecution of such applications, and whether to discontinue payment of any maintenance or renewal fees with respect to any such registration. 







 Section 3.04. Third Party Infringements, Misappropriations, Violations. 

(a) Each Party shall promptly notify the other Party in writing of any actual or possible infringements, misappropriations or other violations
by a third party of the Intellectual Property of the other Party being licensed hereunder that come to such Party’s attention, as well as the identity of such third party or alleged third party and any evidence of such infringement,
misappropriation or other violation within such Party’s custody or control that such Party is reasonably able to provide. The other Party shall have the sole right to determine at its sole discretion whether any action shall be taken in
response to such infringements, misappropriations or other violations. 
 (b) Each Party shall promptly notify another Party in writing upon
learning of the existence or possible existence of rights held by any third party that may be infringed, misappropriated or otherwise violated by the Use of the Intellectual Property of the other Party (or any element or portion thereof) licensed
hereunder, as well as the identity of such third party and any evidence relating to such purported infringement, misappropriation or other violation within such Party’s custody or control that such Party is reasonably able to provide. Such
Party shall cooperate fully with the other Party to avoid infringing, misappropriating or violating any third party rights, and shall discontinue all Use of such Intellectual Property that is the subject of such purported infringement,
misappropriation or other violation upon the reasonable request of the other Party to discontinue such Use. 
 (c) Each Party shall promptly
notify another Party in writing upon learning of the existence or possible existence of rights held by any third party that may be infringed, misappropriated or otherwise violated by the Use of the Intellectual Property (or any element or portion
thereof) licensed to the other Party hereunder, as well as the identity of such third party. The other Party shall cooperate fully with such Party to avoid infringing, misappropriating or violating any third party rights, and shall discontinue all
Use of such Intellectual Property that is the subject of such purported infringement, misappropriation or other violation upon the reasonable request of such Party to discontinue such Use and shall provide such Party any evidence relating to such
purported infringement, misappropriation or other violation within the other Party’s custody or control that such Party is reasonably able to provide. 

Section 3.05. Patent Marking. Each Party acknowledges and agrees that it shall comply with all reasonable requests of another
Party relative to patent markings required to comply with or obtain the benefit of statutory notice or other provisions. 

Section 3.06. Cooperation Regarding Restrictions and Limitations Applicable to Licensed Intellectual Property. Until one
(1) year after the Effective Date, each Party, at the request of another Party, agrees to use commercially reasonable, good faith efforts to provide the other Party such copies of agreements (subject to any confidentiality restrictions that
would prevent disclosure of such agreements) or other information (including summaries of the applicable limitations) that are sufficient to inform the other Party about any limitations or restrictions on the Use of the Intellectual Property
licensed to it hereunder and set forth on Exhibit A or B hereto, as applicable, or other specific Intellectual Property licensed hereunder and identified by the other Party in writing to such Party, which has not already been provided to the other
Party and which is not otherwise in the possession of the other Party. Such Party shall not have any liability to the other Party resulting or arising from the failure or inability to provide such agreements or information. 







 ARTICLE IV 

GE MATERIALS 

Section 4.01. Prior to the Trigger Date. Until the Trigger Date and subject to the limitations and conditions set forth in
Section 4.04, GE shall permit Company and its Subsidiaries to use the GE Materials in accordance with GE’s standard policies, procedures and guidelines for use thereof by its Subsidiaries. 

Section 4.02. Accounting Policies. On and after the Trigger Date and subject to the limitations and conditions set forth in
Section 4.04, GE shall permit Company and its Subsidiaries to use the GE Materials that are identified as “Accounting Policies” and are in use as of the Trigger Date: (i) with the modifications required by
Section 4.04(d), for the accounting and reporting purposes of Company and its Subsidiaries (the “Company Accounting Policies”) and (ii) for historical purposes of Company and its Subsidiaries. 

Section 4.03. Company Policies and Training Materials. On and after the Trigger Date and subject to the limitations and conditions
set forth in Section 4.04, GE shall permit Company and its Subsidiaries to adopt and use the corporate policies, manuals and training materials included in the GE Materials that are in use as of the Trigger Date, with the modifications
required by Section 4.04(d), as Company and its Subsidiaries’ own policies, procedures and guidelines (the “Company Policies and Training Materials”). 

Section 4.04. Certain Limitations and Conditions. 

(a) On and after the Trigger Date, GE shall have no obligation under this Agreement (i) to notify Company and its Subsidiaries’ of
any changes or proposed changes to any of the GE Materials, (ii) to include Company and its Subsidiaries’ in any consideration of proposed changes to any of the GE Materials, (iii) to provide draft changes of any of the GE Materials
to Company and its Subsidiaries for review or comment, or (iv) to Company and its Subsidiaries’ with any updated materials relating to any of the GE Materials. 

(b) The parties hereto acknowledge and agree that, except as expressly set forth above in this Article IV, GE reserves all rights in, to
and under, including all Intellectual Property rights with respect to, the GE Materials and no rights with respect to ownership or use shall vest in Company and its Subsidiaries. Further, Company and its Subsidiaries agree to use the same degree of
care that Company and its Subsidiaries use with respect to their own information and materials of a similar nature, but in no event less than a reasonable degree of care, to ensure that the GE Materials are not used for any purpose other than the
purposes set forth above. Company and its Subsidiaries will allow GE reasonable access to personnel and information as reasonably necessary to determine Company’s and its Subsidiaries’ compliance with the provisions set forth above. If the
Company and its Subsidiaries cease to avail themselves of any of the GE Materials referred to in this Article IV or upon expiration of any period during which the Company and its Subsidiaries are permitted to use any of the GE Materials, GE
and the Company shall cooperate in good faith to take reasonable appropriate actions to effectuate such cessation or expiration and protect GE’s and its Affiliates’ rights and interests in the GE Materials. 







 (c) It is understood and agreed that GE makes no representation or warranty as to the suitability
of the GE Materials for use by Company and its Subsidiaries or any of their respective divested businesses. 
 (d) On and after the Trigger
Date, and except as set forth in Section 2.A.1 of the Transitional Trademark License Agreement, notwithstanding anything in this Agreement to the contrary, the text of any Company Accounting Policies and Company Policies and Training
Materials shall not contain (i) any references to GE or its Affiliates, GE or its Affiliates’ publications, GE or its Affiliates’ personnel (including, without limitation, senior management) or (ii) the title of any policy,
manual or other materials in the GE Materials (i.e., “Integrity: the Spirit and Letter of Our Commitment”), any portion thereof, or any confusingly similar phrase; provided such restriction shall not apply to any wholly descriptive
title or phrase not confusingly similar to any GE Name and Marks. 
 (e) Subject to the limitations and conditions set forth in this
Section 4.04, Company and its Subsidiaries may create (and their respective contractors may create on their behalf), and Company and its Subsidiaries shall own, derivative works and modifications of the Company Accounting Policies and
the Company Policies and Training Materials. 
 (f) The Company Accounting Policies and the Company Policies and Training Materials may only
be (i) used by Company and its Subsidiaries’ employees (including contractors), customers (including brokers and licensed agents) and suppliers, (ii) disclosed as required by applicable Law, and (iii) used by an acquirer of
Company and its Subsidiaries or any of the businesses, operations or assets of Company and its Subsidiaries to which this Agreement relates, provided that such acquirer executes an agreement to be bound by all obligations of Company and its
Subsidiaries under this Agreement relating to such Company Accounting Policies and Company Policies and Training Materials (a copy of which agreement is provided to GE) and provided further that such acquirer shall be limited to use of such
Company Accounting Policies and Company Policies and Training Materials solely in connection with such businesses, operations or assets (and not any other businesses, operations or assets of the acquirer). 

(g) To the extent that any GE Materials owned by a third party are provided under this Article IV, the provision of such GE Materials
hereunder and any use thereof by the Company and its Subsidiaries along with any and all related Company Accounting Policies and Company Policies and Training Materials shall be subject to all of the terms and conditions of the relevant agreement
between GE and/or its Affiliate and such third party pursuant to which such GE Materials have been provided to GE. 
 Section 4.05.
Six Sigma Materials. 
 (a) GE, subject to any existing legal or contractual obligations in connection with GE’s agreements with
the Six Sigma Providers (as defined below) that require GE to assert a claim, agrees not to assert any claim that GE may, now or in the future, have against the Company or its Subsidiaries arising solely out of the Company’s or its
Subsidiaries’ internal use 







 
of Six Sigma Materials owned by GE or any of its Affiliates relating to the Six Sigma program in use by the Company or its Subsidiaries prior to the Effective Date by its or their employees.
Notwithstanding the foregoing, GE’s agreement not to assert claims against the Company or its Subsidiaries shall not extend to any claim that GE may have at any time against Company or any of its Subsidiaries arising out of or in connection
with, and solely to the extent of, (a) any breach of any obligation to maintain the confidentiality of the Six Sigma Materials, (b) use of the GE Name and Marks in connection with the Six Sigma Materials, (c) any use, other than the
Company’s or its Subsidiaries’ internal use in the Business with its employees in accordance with the foregoing, of the Six Sigma Materials, including use of the Six Sigma Materials by the customers or suppliers of the Business, or
(d) any claim arising out of circumstances or facts relating to a claim or proceeding against GE or any of its Affiliates by or on behalf of a Six Sigma Provider or any Affiliate thereof. The Company and its Subsidiaries acknowledge and agree
that the Six Sigma Materials and other materials owned by others and relating to the Six Sigma program are confidential and proprietary information. Further, the Company agrees to, and shall cause each of its Subsidiaries to, take all actions
necessary or advisable to ensure that the Six Sigma Materials and such other materials are not disclosed to any Person other than the Company and its Subsidiaries unless the Company or one of its Subsidiaries procures from the Six Sigma Providers
the right to disclose such Six Sigma Materials. 
 (b) If and to the extent requested by the Company, GE shall use commercially reasonable
efforts to assist the Company in its efforts to obtain non-exclusive licenses (or other appropriate rights) to use, duplicate distribute, practice and otherwise exploit as necessary, materials, concepts, software and methodology necessary for the
Company and its Subsidiaries to continue the Six Sigma program in use by the Business immediately prior to the Effective Date from the Six Sigma Academy, Maurice L. Berryman, Minitab, Inc., Decisioneering, Inc., PROMODEL Corporation and any other
Person with whom GE has a license relating to such Six Sigma program (each, a “Six Sigma Provider”); provided, however, that GE shall not be required to pay any fees or other payments or incur any obligations to enable
Company to obtain any such license or rights. The Parties acknowledge and agree that there can be no assurance that GE’s efforts will be successful or that Company or any of its Subsidiaries will be able to obtain such licenses or rights on
acceptable terms or at all. 
 (c) If and to the extent that on or prior to the Trigger Date the Company and its Subsidiaries have not
obtained licenses (or other appropriate rights) from Six Sigma Providers to use, duplicate and distribute, as necessary, the materials, concepts, software and methodology described in Section 4.05(b), the Company and its Subsidiaries
shall cease using any and all such materials, concepts, software and methodologies owned by the party or parties with whom the Company has been unable to obtain such licenses or other rights and return to GE on the Trigger Date all such materials,
concepts, software and methodologies. 
 ARTICLE V 

TERM AND TERMINATION 

Section 5.01. Term. This Agreement shall remain in full force and effect in perpetuity unless terminated in accordance with its
terms. 







 Section 5.02. No Termination. This Agreement may only be terminated upon the mutual
written agreement of the parties hereto. In the event of a breach of this Agreement, the sole and exclusive remedy of a non-breaching Party shall be to recover monetary damages and/or to obtain injunctive or equitable relief. 

ARTICLE VI 

CONFIDENTIALITY 

Section 6.01. Confidential Information. The provisions of this Article VI shall apply to any confidential or proprietary
information or materials included in the GE Intellectual Property or the Company Intellectual Property licensed, and the GE Materials provided, pursuant to this Agreement (“Confidential Information”). Each Party (“Receiving
Party”) shall keep all Confidential Information of another Party (“Disclosing Party”) confidential and shall not and shall cause their Representatives not to, directly or indirectly disclose, reveal, divulge or communicate
to any Person (other than its Representatives who reasonably need to know such Confidential Information and are licensed to receive such Confidential Information under Article II and its legal counsel) any such Confidential Information
without the prior written consent of the Disclosing Party. The Receiving Party shall use the same degree of care to prevent and restrain the unauthorized use or disclosure of the Disclosing Party’s Confidential Information by any of its
Representatives as it currently uses for its own confidential information of a like nature, but in no event less than a reasonable standard of care. 

Section 6.02. Exclusions. The confidentiality obligations in this Article VI shall not apply to any Confidential
Information which: 
 (a) is or becomes generally available to and known by the public (other than as a result of a non-permitted disclosure
or other wrongful act directly or indirectly by the Receiving Party), 
 (b) is or becomes available to the Receiving Party on a
non-confidential basis from a source other than the Disclosing Party, provided that the Receiving Party has no knowledge that such source was at the time of disclosure to the Receiving Party bound by a confidentiality agreement with or other
obligation of secrecy which was breached by the disclosure, 
 (c) has been or is hereafter independently acquired or developed by the
Receiving Party without reference to such Confidential Information and without otherwise violating any confidentiality agreement with or other obligation of secrecy to the Disclosing Party, 

(d) was in the possession of the Receiving Party at the time of disclosure by the Disclosing Party without restriction as to confidentiality,
or 
 (e) is required (by oral question, interrogatories, requests for information or documents, subpoena, civil investigative demand or
similar process) to be disclosed by any Governmental Authority (including bank regulators acting in accordance with their authority) or pursuant to applicable Law, provided that the Receiving Party (i) uses all reasonable efforts to provide the
Disclosing Party with written notice of such request or demand as promptly as 







 
practicable under the circumstances so that the Disclosing Party shall have an opportunity to seek an appropriate protective order or other appropriate remedy, (ii) furnishes only that
portion of the Confidential Information which is in the opinion of the Receiving Party’s counsel legally required, and (iii) takes, and causes its Representatives to take, all other reasonable steps necessary to obtain confidential
treatment for any such Confidential Information required to be furnished. Subject to the foregoing, the Party that received such request or demand may thereafter disclose or provide any Confidential Information to the extent required by such Law (as
so advised by counsel) or by lawful process or such Governmental Authority. 
 Section 6.03. Confidentiality Obligations. The
Receiving Party shall ensure, by instruction, Contract, or otherwise with its Representatives that such Representatives comply with the provisions of this Article VI. The Receiving Party shall indemnify and hold harmless the Disclosing Party
in the event of any breach by the Receiving Party’s Representatives of this Article VI. The Receiving Party shall promptly notify the Disclosing Party in the event that the Receiving Party learns of any unauthorized use or disclosure of
such Confidential Information by it or its Representatives, and shall promptly take all actions necessary to correct and prevent such use or disclosure. 

ARTICLE VII 

INDEMNIFICATION; DISCLAIMERS; ASSUMPTION OF RISK 

Section 7.01. Indemnification by Company. Company shall fully indemnify and hold harmless GE and its Affiliates and their
respective directors, officers, employees and agents (collectively, “GE Indemnified Parties”) from and against any and all losses, damages, liabilities, costs (including reasonable attorneys’ fees) and expenses (collectively,
“Damages”) incurred by any such GE Indemnified Party based on any third party claim arising out of or relating to (i) except for any third party Intellectual Property covered by Section 7.04, Company’s or its
Subsidiaries’ breach of this Agreement or (ii) the performance, rendering, offering to perform or render, sale, offering for sale, development, promotion or other disposition of products or services by Company or any of its Subsidiaries of
products and services using or based on the GE Intellectual Property licensed hereunder (including products liability claims) or other Use of the GE Intellectual Property or GE Materials. 

Section 7.02. Indemnification by GE. GE shall fully indemnify and hold harmless Company and its Subsidiaries and their respective
directors, officers, employees and agents (collectively, “Company Indemnified Parties”) from and against any and all Damages incurred by any such Company Indemnified Party based on any third party claim arising out of or relating to
(i) except for any third party Intellectual Property covered by Section 7.04, GE’s or its Affiliates’ breach of this Agreement or (ii) the performance, rendering, offering to perform or render, sale, offering for
sale, development, promotion or other disposition of products or services by GE or any of its Affiliates of products and services using or based on the Company Intellectual Property licensed hereunder (including products liability claims) or other
Use of the Company Intellectual Property. 
 Section 7.03. Indemnity Procedures. Any indemnified party submitting an indemnity
claim under Section 7.01 or 7.02, as applicable (“Indemnified Party”), shall: (a) promptly notify the indemnifying Party under Section 7.01 or 7.02, as applicable (“Indemnifying
 







 
Party”), of such claim in writing and furnish the Indemnifying Party with a copy of the applicable communication, notice or other action relating to the event for which indemnity is
sought; provided that no failure to provide such notice pursuant to this clause (a) shall relieve the Indemnifying Party of its indemnification obligations, except to the extent such failure materially prejudices the Indemnifying Party’s
ability to defend or settle the claim; (b) give the Indemnifying Party the authority, information and assistance necessary to defend or settle such suit or proceeding in such a manner as the Indemnifying Party shall determine; and (c) give
the Indemnifying Party sole control of the defense (including the right to select counsel, at the Indemnifying Party’s expense) and the sole right to compromise and settle such suit or proceeding; provided, however, that in the
case of the foregoing clauses (b) and/or (c), the Indemnifying Party shall not, without the written consent of the Indemnified Party, compromise or settle any suit or proceeding unless such compromise or settlement (i) is solely for
monetary damages (for which the Indemnifying Party shall be responsible), (ii) does not impose injunctive or other equitable relief against the Indemnified Party and (iii) includes an unconditional release of the Indemnified Party from all
liability on claims that are the subject matter of such proceeding. Notwithstanding anything in this Article VII to the contrary, with respect to any claim covered by Section 7.01 or 7.02, as applicable, the
Indemnified Party (in its capacity as such) may participate in the defense at its own expense. 
 Section 7.04. Third Party IP.
To the extent that any Intellectual Property owned by a third party is sublicensed under Section 2.01 or 2.02 by a Licensor, such Licensor shall offer to provide the Licensee with the benefit of any representations, warranties and
indemnities in connection with such Intellectual Property that are permitted to be offered by such Licensor to the Licensee under and subject to the terms and conditions of the applicable agreement 

Section 7.05. DISCLAIMER OF WARRANTIES. SUBJECT TO SECTION 7.04 BUT OTHERWISE NOTWITHSTANDING ANYTHING TO THE CONTRARY
HEREIN, THE INTELLECTUAL PROPERTY LICENSED BY THE LICENSOR PURSUANT TO THIS AGREEMENT IS FURNISHED “AS IS”, WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND, EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING ANY WARRANTY OF
MERCHANTABILITY, FITNESS FOR ANY PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, QUALITY, USEFULNESS, COMMERCIAL UTILITY, ADEQUACY, OR COMPLIANCE WITH ANY LAW, DOMESTIC OR FOREIGN, AND IMPLIED WARRANTIES ARISING FROM COURSE OF DEALING OR COURSE OF
PERFORMANCE. EACH OF THE PARTIES EXPRESSLY DISCLAIMS THAT IT IS OWED ANY DUTIES NOT EXPRESSLY SET FORTH IN THIS AGREEMENT, AND WAIVES AND RELEASES ANY AND ALL TORT CLAIMS AND CAUSES OF ACTION THAT MAY BE BASED UPON, ARISE OUT OF OR RELATE TO THIS
AGREEMENT, OR THE NEGOTIATION, EXECUTION OR PERFORMANCE OF THIS AGREEMENT. 
 Section 7.06. DISCLAIMER OF CONSEQUENTIAL AND OTHER
DAMAGES. OTHER THAN IN CONNECTION WITH ANY BREACH OF ARTICLE VI, NO PARTY SHALL BE LIABLE TO ANY OTHER PARTY FOR ANY SPECIAL, INDIRECT, INCIDENTAL, PUNITIVE OR CONSEQUENTIAL DAMAGES (PROVIDED THAT ANY SUCH LIABILITY WITH RESPECT TO A
THIRD PARTY CLAIM SHALL BE CONSIDERED DIRECT DAMAGES) OF SUCH OTHER PARTY ARISING IN CONNECTION WITH THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED HEREUNDER. 







 Section 7.07. Assumption of Risk. The Licensee hereby assumes all risk and liability
in connection with its use of the GE Intellectual Property or the Company Intellectual Property, as the case may be. 
 ARTICLE VIII

 MISCELLANEOUS PROVISIONS 

Section 8.01. Assignment. 

(a) This Agreement shall not be assignable, in whole or in part, by any party hereto to any third party, including Affiliates of any party
hereto, without the prior written consent of the other parties hereto, and any attempted assignment without such consent shall be null and void. Notwithstanding the foregoing, this Agreement may be assigned by any party hereto as follows without
obtaining the prior written consent of the other parties hereto: 
 (i) GE, in its sole discretion, may assign this Agreement, and any or all
of its rights under this Agreement, and may delegate any or all of its duties under this Agreement to any Affiliate of GE at any time, which expressly accepts such assignment in writing and assumes, as applicable, any such duties, provided that GE
shall continue to remain liable for the performance by such assignee. 
 (ii) Company, in its sole discretion, may assign this Agreement, and
any or all of its rights under this Agreement, and may delegate any or all of its duties under this Agreement to any Subsidiary of Company at any time, which expressly accepts such assignment in writing and assumes, as applicable, any such duties,
provided that Company shall continue to remain liable for the performance by such assignee. 
 (iii) Each party hereto may assign any or all
of its rights, or delegate any or all of its duties, under this Agreement to (i) an acquirer of all or substantially all of the equity or assets of the business of such party to which this Agreement relates or (ii) the surviving entity in
any merger, consolidation, equity exchange or reorganization involving such party, provided that such acquirer or surviving entity, as the case may be, executes an agreement to be bound by all the obligations of such party under this Agreement and a
copy of such agreement is provided to the other parties hereto. 
 (b) This Agreement shall be binding upon and inure to the benefit of and
be enforceable by the parties hereto and their successors, legal representatives, and permitted assigns. All license rights and covenants contained herein shall run with all Intellectual Property of the Parties licensed hereunder and shall be
binding on any successors in interest or assigns thereof. 
 Section 8.02. Governing Law. This Agreement shall be governed by
and construed and interpreted in accordance with the Laws of the State of New York irrespective of the choice of Laws principles of the State of New York other than Section 5-1401 of the General Obligations Law of the State of New York. 







 Section 8.03. Force Majeure. No Party hereto (or any Person acting on its behalf)
shall have any liability or responsibility for failure to fulfill any obligation (other than a payment obligation) under this Agreement so long as and to the extent to which the fulfillment of such obligation is prevented, frustrated, hindered or
delayed as a consequence of circumstances of Force Majeure. A Party claiming the benefit of this provision shall, as soon as reasonably practicable after the occurrence of any such event: (i) notify the other Parties of the nature and extent of
any such Force Majeure condition and (ii) use due diligence to remove any such causes and resume performance under this Agreement as soon as feasible. 

Section 8.04. Notices. All notices, requests, claims, demands and other communications under this Agreement shall be in writing
and shall be given or made (and shall be deemed to have been duly given or made upon receipt) by delivery in person, by overnight courier service, by facsimile with receipt confirmed (followed by delivery of an original via overnight courier
service) or by registered or certified mail (postage prepaid, return receipt requested) to the respective Parties at the following addresses (or at such other address for a Party as shall be specified in a notice given in accordance with this
Section 8.04): 
 If to GE and its Affiliates, to: 

General Electric Company 
 3135
Easton Turnpike 
 Fairfield, CT 06828 

Attention: Senior Counsel for Transactions 

Fax: (203) 373-3008 
 General
Electric Capital Corporation 
 901 Main Avenue 

Norwalk, CT 06851 
 Attention:
William Bandon, Lead Executive Counsel – IT, Sourcing and Operations 
 Fax: (203) 907-1806 

with a copy to: 
 Weil,
Gotshal & Manges LLP 
 767 Fifth Avenue 

New York, NY 10153 
 Attention:
Howard Chatzinoff, Esq. 
 Fax: (212) 310-8007 

If to Company and its Subsidiaries, to: 

Synchrony Financial 
 777 Long
Ridge Road 
 Stamford, CT 06902 

Attention: General Counsel 
 Fax:
(203) 567-8103 







 Section 8.05. Severability. If any term or other provision of this Agreement is
invalid, illegal or incapable of being enforced under any Law or as a matter of public policy, all other conditions and provisions of this Agreement shall nevertheless remain in full force and effect. Upon such determination that any term or other
provision is invalid, illegal or incapable of being enforced, the parties hereto shall negotiate in good faith to modify this Agreement so as to effect the original intent of the Parties as closely as possible in a mutually acceptable manner in
order that the transactions contemplated by this Agreement be consummated as originally contemplated to the greatest extent possible. 

Section 8.06. Entire Agreement. Except as otherwise expressly provided in this Agreement, this Agreement (including the Exhibits
hereto), together with the Master Agreement, constitutes the entire agreement of the Parties with respect to the subject matter of this Agreement and supersedes all prior agreements and undertakings, both written and oral, between or on behalf of
the Parties with respect to the subject matter of this Agreement. 
 Section 8.07. No Third-Party Beneficiaries. Except as
provided in Article VII with respect to the GE Indemnified Parties and Company Indemnified Parties, this Agreement is for the sole benefit of the Parties and their permitted successors and assigns and nothing in this Agreement, express or
implied, is intended to or shall confer upon any other Person or entity any legal or equitable right, benefit or remedy of any nature whatsoever under or by reason of this Agreement. 

Section 8.08. Public Announcements. The Parties shall consult with each other before issuing, and give each other the opportunity
to review and comment upon, any press release or other public statements with respect to the transactions contemplated by this Agreement, and shall not issue any such press release or make any such public statement prior to such consultation, except
as may be required by applicable Law, court process or by obligations pursuant to any listing agreement with any national securities exchange or national securities quotation system. 

Section 8.09. Amendment. No provision of this Agreement may be amended or modified except by a written instrument signed by all
the parties hereto. No waiver by any party hereto of any provision hereof shall be effective unless explicitly set forth in writing and executed by the party hereto so waiving. The waiver by any party hereto of a breach of any provision of this
Agreement shall not operate or be construed as a waiver of any other subsequent breach. 
 Section 8.10. Rules of Construction.
Interpretation of this Agreement shall be governed by the following rules of construction: (a) words in the singular shall be held to include the plural and vice versa and words of one gender shall be held to include the other gender as the
context requires, (b) references to the terms Article, Section, paragraph, and Exhibit are references to the Articles, Sections, paragraphs, and Exhibits to this Agreement unless otherwise specified, (c) the word “including” and
words of similar import shall mean “including, without limitation,” (d) provisions shall apply, when appropriate, to successive events and transactions, (e) the table of contents and headings contained herein are for reference
purposes only and shall not affect in any way the meaning or interpretation of this Agreement and (f) this Agreement shall be construed without regard to any presumption or rule requiring construction or interpretation against the Party
drafting or causing any instrument to be drafted. 







 Section 8.11. Dispute Resolution. Any dispute, controversy or claim arising out of or
relating to this Agreement or the validity, interpretation, breach or termination of any provision of this Agreement shall be resolved in accordance with Article IX of the Master Agreement. 

Section 8.12. Specific Performance. Each Party acknowledges and agrees that the breach of this Agreement would cause irreparable
damage to another Party affected thereby and that such Party will not have an adequate remedy at law. Therefore, the obligations of the Parties under this Agreement shall be enforceable by a decree of specific performance issued by any court of
competent jurisdiction, and appropriate injunctive relief may be applied for and granted in connection therewith. Such remedies shall, however, be cumulative and not exclusive and shall be in addition to any other remedies which any Party may have
under this Agreement or otherwise. 
 Section 8.13. Waiver of Jury Trial. EACH PARTY HERETO HEREBY WAIVES TO THE FULLEST EXTENT
PERMITTED BY APPLICABLE LAW, ANY RIGHT IT MAY HAVE TO A TRIAL BY JURY IN RESPECT TO ANY LITIGATION DIRECTLY OR INDIRECTLY ARISING OUT OF, UNDER OR IN CONNECTION WITH THIS AGREEMENT OR ANY TRANSACTION CONTEMPLATED HEREBY. EACH PARTY HERETO
(A) CERTIFIES THAT NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PARTY HERETO HAS REPRESENTED, EXPRESSLY OR OTHERWISE, THAT SUCH OTHER PARTY HERETO WOULD NOT, IN THE EVENT OF LITIGATION, SEEK TO ENFORCE THE FOREGOING WAIVER AND
(B) ACKNOWLEDGES THAT IT AND THE OTHER PARTIES HERETO HAVE BEEN INDUCED TO ENTER INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN THIS SECTION 8.13. 

Section 8.14. Relationship of the Parties. Nothing contained herein is intended or shall be deemed to make a Party the agent,
employee, partner or joint venturer of the other Parties or be deemed to provide such Party with the power or authority to act on behalf of the other Parties or to bind the other Parties to any contract, agreement or arrangement with any other
individual or entity. 
 Section 8.15. Counterparts. This Agreement may be executed in one or more counterparts, each of which
when executed shall be deemed to be an original but all of which taken together shall constitute one and the same agreement. Delivery of an executed counterpart of a signature page to this Agreement by facsimile shall be as effective as delivery of
a manually executed counterpart of any such Agreement. 
 [The remainder of this page has been intentionally left blank.]








 IN WITNESS WHEREOF, GE, GECC and Company have caused this Agreement to be executed on the date
first written above by their respective duly authorized officers. 
  

			
	GENERAL ELECTRIC COMPANY
		
	By	 	 /s/ Keith Sherin

		 	Name: Keith Sherin
		 	Title: Vice Chairman
	
	GENERAL ELECTRIC CAPITAL CORPORATION
		
	By	 	 /s/ Robert Green

		 	Name: Robert Green
		 	Title: Chief Financial Officer
	
	SYNCHRONY FINANCIAL
		
	By	 	 /s/ Jonathan Mothner

		 	Name: Jonathan Mothner
		 	Title: Executive Vice President, General Counsel and Secretary









 EXHIBITS 
  

			
		
	EXHIBIT A	  	GE Restricted Intellectual Property
		
	EXHIBIT B	  	Company Restricted Intellectual Property








 EXHIBIT A 

GE Restricted Intellectual Property 

None. 







 EXHIBIT B 

Company Restricted Intellectual Property1 

Patents 
  

																							
	 Title
	  	 Abstract
	  	App. Serial
No.	 	  	Patent
No.	 	  	Date of
Filing	 	  	Date of
Issuance	 	  	Expires	 
	Method for Dual Credit Card System	  	A dual credit card system is in two parts: a) the creation of a dual credit card; and b) the usage of a dual credit card. The creation begins with the receipt of an application by merchant for a dual credit card. The issuing
organization issues the dual credit card to the applicant. The user may make a purchase with the dual credit card at either a private label merchant location or at a location accepting the bankcard. These locations may traditional physical
locations, a web site on the Internet or a catalog. When a purchase is made at a merchant location, the processing of the merchant location dual credit card purchase is done via a private-label processing channel. If the user uses the dual credit
card at a non-merchant location, the purchase may be processed through the VISA/MasterCard network.	  	 	09/593,199	  	  	 	6,915,277	  	  	 	6/14/2000	  	  	 	7/5/2005	  	  	 	4/28/2023	  

  

	1 	The field of use for the Intellectual Property on this Exhibit B is the Competing Business (as such term is defined in the Master Agreement). 









																			
	Method, Apparatus, and Code for Issuing a Dual Credit Card	  	A method for issuing a dual credit card includes receiving information regarding an applicant and assigning a credit line to a dual credit card for the applicant.	  	 	10/423,527	  	  	 	N/A	  	  	 	4/25/2003	  	  		  	
	Method and Apparatus for Pre-Screening Customer Credit Card Approval based on Name and Address Information	  	An exemplary embodiment of the invention allows entities to instantly pre-screen customers for a pre-approved credit card based on customer information captured during the registration, promotion or checkout process while on an
Internet web page. “Pre-approved” is a credit industry term that means that the customer has passed preliminary credit-information screening. The goals of this process include: creating a process that is seamless to the customer;
automating the process for the entity; generating a response time that is in seconds; reducing the cost of additional card accounts per approved customer; developing a process that can be used by a credit card supplier for multiple entities; and
establishing an entity implementation tool kit by the credit card supplier.	  	 	09/677,234	  	  	 	N/A	  	  	 	10/2/2000	  	  		  	









																							
	Method, System, and Storage Medium for Pre-Screening Customers for Credit Card Approval at a Point of Sale	  	An exemplary embodiment of the invention relates to a method, system and storage medium for pre-screening customers for a credit card at a point of sale. The method includes receiving the customer data at a point of sale system and,
during a check out process: transmitting the customer data to a server; searching a database for the customer data; and based upon results of the searching, performing a credit worthiness check and providing said customer with an invitation to open
a charge account. If the customer accepts the invitation, a charge account is opened before a payment method is selected whereby the customer can place the items selected for purchase on the new charge account while at the point of sale system. The
system includes at least one point of sale system coupled to a communications link; a server coupled to the point of sale system via the communications link; a data storage device in communication with the server; and a link to a credit information
server.	  	 	09/682,787	  	  	 	7,546,266	  	  	 	10/18/2001	  	  	 	6/9/2009	  	  	 	4/19/2026	  









																							
	Method, System, and Storage Medium for Pre-Screening Customers for Credit Card Approval at a Point of Sale	  	An exemplary embodiment of the invention relates to a method, system and storage medium for pre-screening customers for a credit card at a point of sale. The method includes receiving the customer data at a point of sale system and,
during a check out process: transmitting the customer data to a server; searching a database for the customer data; and based upon results of the searching, performing a credit worthiness check and providing said customer with an invitation to open
a charge account. If the customer accepts the invitation, a charge account is opened before a payment method is selected whereby the customer can place the items selected for purchase on the new charge account while at the point of sale system. The
system includes at least one point of sale system coupled to a communications link; a server coupled to the point of sale system via the communications link; a data storage device in communication with the server; and a link to a credit information
server.	  	 	12/480,297	  	  	 	8,112,349	  	  	 	6/8/2009	  	  	 	2/7/2012	  	  	 	3/18/2022	  









																			
	Event-Driven Credit Offers	  	A system may include detection of an event indicating a potential future credit need, identification of a person based on data associated with the event, determination of a credit product based on the detected event, and
determination of whether the person qualifies for the credit product based on a creditworthiness of the person. In some aspects, the determination of whether the person qualifies for the credit product includes determination of a creditworthiness
requirement associated with the credit product, and determination of whether the creditworthiness of the person satisfies the creditworthiness requirement.	  	 	12/099,853	  	  	 	N/A	  	  	 	4/9/2008	  	  		  	
	Payment Card Processing System and Methods	  	A payment card processing system and method is provided that allows an account holder to upgrade a private label card to a dual card. The dual card may be used for both private label transactions and bankcard transactions. Methods
for upgrading to the dual card account include selecting a private label account having associated monetary and non-monetary data and maintained on a first processing platform for upgrade to a dual card account, creating the	  	 	10/656,798	  	  	 	7,774,274	  	  	 	9/5/2003	  	  	8/10/2010	  	7/14/2027









																	
		  	dual card account on a second processing platform, transferring the non-monetary data associated with the private label account from the first processing platform to the second processing platform for association with the dual card
account, and initiating a trailing activity process to identify monetary and non-monetary activity associated with the private label account and update a cross reference table to associate the trailing activity with the dual card account.	  				  		  				  		  	
	Payment Card Processing System and Methods	  		  	 	CA 2537917	  	  		  	 	9/5/2003	  	  		  	

 Software 
  

			
	 Application
	  	 Description

	Business Center	  	Internet Application portal used by our Payment Solutions Merchants and Care Credit Providers to provide services such as apply for credit, authorize sales, receive reports and reorder collateral (Also called CCPRO)
		
	Consumer Center	  	Internet application used by our Payment Solutions and Care Credit account holders to service account
		
	Customer Presentment	  	Application used to present documents to cardholders online (ebills, letters etc)
		
	Deposits Origination	  	Mobile application for online origination of new Deposit accounts
		
	Deposits Servicing	  	Mobile application for online servicing of Deposits Accounts
		
	Deposits Workstation	  	Application used by Customer Service representatives to service Deposits customers
		
	eApply BRC/CML	  	Internet application to allow commercial and Business Revolving Credit (BRC) customers to apply for credit
		
	eApply Consumer	  	Internet application to allow consumer to apply for credit
		
	eDealer Apply	  	Internet application to allow dealers to apply for credit









			
	Edison	  	Application used to process Commercial credit applications for RC Clients
		
	eService BRC/CML,	  	Internet application to allow commercial and BRC account holders to service their accounts
		
	eService Consumer	  	Internet application to allow RC cardholders to service their accounts
		
	eTail	  	Internet application to provide powerful customized solutions for Payment Solutions and Care Credit consumers to apply for credit
		
	Ge Online Apply	  	Internet application to allow Payment Solutions and Care Credit consumers to apply for credit (Note: This application will ultimately be replaced by eTail and will be referred to as eTail as of Closing.)
		
	GECOM	  	Application that managed Commercial PROX accounts. It includes receivables processing, customer service, billing etc.
		
	Genasys	  	Primary consumer Credit Originations platform for Retail Card portfolios. Includes embedded and highly customized rule engines
		
	IVR	  	IVR solutions to provide call response for GECRB cardholders, merchants, providers, clients etc
		
	Midrange Remittance	  	Application that processes majority payment files for GECRB
		
	OEM CEDA	  	Internet application used by Yamaha Payment Solutions merchant
		
	POS	  	Full suite of Point of Sales solutions used to process new credit applications and to process sales authorizations. Also includes sophisticated standin system that performance processing if primary applications are down.
		
	Remittance	  	Mainframe application that processes payment files for GECRB. This will be replaced by Midrange Remittance
		
	Settlement MBS (local mods)	  	Local modifications made to Visionplus to provide settlement processing with GECRB retail clients
		
	Surveyor	  	Application that processes Payment Solutions and Care Credit consumer and commercial new credit applications.
		
	Symphony	  	Customer Service application used to provide originate and service new credit applications for Payment Solutions and Care Credit
		
	Workstation	  	Sophisticated application use by Customer Service, Collections and Fraud agents to manage cardholder accounts, provide work queuing and ensure compliant engagement with the cardholder
		
	Alpha Search	  	Application that allows customer service to search customers by a variety of criteria
		
	Gesmart	  	Application that processes commercial sales authorizations using rule engine
		
	Ptc	  	Application to capture and manage new merchant and provider prospects for Payment Solutions and Care Credit.
		
	secureb2c	  	Internet application used by Payment solutions merchants to provide Business to consumer functionality
		
	Snss	  	Application that processes settlement files received by RC clients
		
	Ab initio Middleware Graphs	  	Middleware services that provide front end applications with access to back end services. In use by Business Center and Consumer Center









			
		
	b2b web services	  	Internet web services used by Payment Solutions Merchants and Care Credit providers to access back end business services such as processing new credit applications and authorizing sales
		
	business accelerator	  	Suite of services used to access FDR systems to retrieve data for customer service and collections agents
		
	eCom Web Services	  	Internet Web Services used by Paypal to access backend services to allow Paypal to provide account services solutions
		
	Genius	  	Application used by Call Center and Collection agents to verify processes and procedures
		
	WTX Middleware	  	Suite of middleware services to applications to access back end services and to interface with each other
		
	FDR Gforce (models)	  	Models used by FDR authorization solution to apply GECRB specific rules to sales authorizations
		
	OSB	  	Middleware solution that provides orchestration and business services to calling applications such as Consumer Center and DOC.
		
	Business Dealer Locator	  	Internet application service that allows users to look up dealers online based on location
		
	Alp	  	Account level profitability data mart
		
	business objects universes	  	Suite of data stores that allow reporting of business information extracted from data marts
		
	Cdci	  	Primary Consumer cardholder data ware house
		
	Cmap	  	Provides a single consumer customer view across all account relationships within GE Money.
		
	collections dw	  	Collections Data warehouse
		
	commercial dw	  	Commercial Data warehouse
		
	deposit DW	  	Deposits data warehouse
		
	dts dw	  	Contains Consumer Customer Service Data sourced from the Workstations application system.
		
	gforce DM	  	Authorizations data mart
		
	jcp credit central	  	Internet portal to allow JCP client to access reporting
		
	Ocv	  	One customer view allows fraud underwriters and collections to view customers across production lines. URL is https://prod-epsilon.rfs.
		
	operations dw	  	Operations data warehouse
		
	Ots72	  	Datamart that provides 72 months of cardholder data
		
	Pdr	  	Primary consumer cardholder data warehouse for Payment Solutions and Care Credit
		
	quality DW	  	Quality data warehouse
		
	Recovery dw	  	Recovery data warehouse
		
	sku cml	  	SKU level data warehouse for commercial accounts
		
	sku consumer	  	SKU level data warehouse for consumer accounts
		
	token dm	  	Data Mart used for account tokenization
		
	walmart credit central	  	Internet portal to allow Walmart client to access reporting
		
	Sas Analytic models	  	Marketing and Risk analytic models
		
	Deposits marketing site	  	Primary landing page for Deposits prospects and account holders
		
	Inside compliance	  	Static webpage that contains articles around compliance








 Risk-Collection Scores 
  

			
	 Name
	  	 Description

	Radar 3.0	  	Consumer risk score
		
	Compass	  	Commercial acquisition score
		
	JCP Behavior	  	Consumer account management score
		
	CAM Behavior	  	Consumer account management score
		
	Internal Behavior	  	Consumer account management score
		
	CAM Bureau Triggers	  	Consumer account management score
		
	Internal Collections Scores	  	Consumer collections scores (four versions)
		
	Internal Placement Optimizer	  	Consumer collections scores

 Customer List 
  

			
	 Name
	  	 Description

	GECRB Customer Data	  	Data related to GECRB customer relationship