b'FR833282333 DRIVE SAVVY\xc2\xae REWARDS CREDIT CARD PHILLIPS 66\xc2\xae AVIATION PERSONAL CREDIT CARD\nT&C PLCC PDF WF2114411A\n6/20\n\nSYNCHRONY BANK\nSECTION I: RATES AND FEES TABLE\nDRIVE SAVVY\xc2\xae REWARDS CREDIT CARD \xe2\x80\x93 PHILLIPS 66\xc2\xae AVIATION PERSONAL CREDIT CARD\nACCOUNT AGREEMENT\nPRICING INFORMATION\nInterest Rates and Interest Charges\nAnnual Percentage\nRate (APR)\nfor Purchases\n\nThe APR for purchases is the prime rate plus 23.74%.\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Cash\nAdvances\n\n29.99%\n\nPaying Interest\n\nYour due date is at least 23 days after the close of each billing cycle. We will not charge you any interest if\nyou pay your entire balance by the due date each month. We will begin charging interest on cash advances\non the transaction date.\n\nMinimum Interest\nCharge\n\nIf you are charged interest, the charge will be no less than $2.00.\n\nFees\nTransaction Fees\n\xe2\x80\xa2 Cash Advance Fee\n\nEither $10 or 5% of the amount of each cash advance, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39.\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cdaily balance.\xe2\x80\x9d See your credit card account agreement on the next\npage for more details.\n\n1\n\n\x0cSECTION II: RATES, FEES AND PAYMENT INFORMATION\nDRIVE SAVVY\xc2\xae REWARDS CREDIT CARD \xe2\x80\x93 PHILLIPS 66\xc2\xae AVIATION PERSONAL CREDIT CARD\nACCOUNT AGREEMENT\nHow Interest is Calculated\nYour Interest Rate\n\nThe APR for purchases is the prime rate plus 23.74%. We use a daily rate to calculate the interest on the balance on your account\neach day. The daily rate for purchases is the APR times 1/365. As of April 1, 2020, the daily rate for purchases was .07395%\n(APR 26.99%). Interest will be imposed in amounts or at rates not in excess of those permitted by applicable law.\nDaily Rates May Vary. The APR and the daily rate for purchases on your account vary with the market based on the prime rate. The\nprime rate for a billing cycle is the highest bank prime loan rate published in The Wall Street Journal in its Money Rates section on the\nlast business day of the calendar month preceding the first day of the billing cycle.\nIf the prime rate increases, the daily rate and APR for purchases will increase. As a result, interest, your total minimum payment and\nthe number of payments it would take you to pay off your account balance may increase. We apply any change in rates because of a\nprime rate change to your entire account balance. A change in the prime rate will take effect on the first day of the first billing cycle after\nthe change. We may select a new interest rate index if the prime rate is not available.\nThe daily rate for cash advances is .08217% (APR 29.99%).\n\nWhen We Charge\nInterest\n\nPurchases. We charge interest on your purchases from the date you make the purchase until you pay the purchase in full. See\nexceptions below.\n\xe2\x80\xa2 We will not charge you interest during a billing cycle on any purchases if:\n1. You had no balance at the start of the billing cycle; OR\n2. You had a balance at the start of the billing cycle and you paid that balance in full by the due date in that billing cycle.\n\xe2\x80\xa2 We will credit, as of the start of the billing cycle, any payment you make by the due date that we allocate to purchases if:\n1. You had no balance at the start of the previous billing cycle; OR\n2. You had a balance at the start of the previous billing cycle and you paid that balance in full by the due date in the previous billing cycle.\nCash Advances. We charge interest on your cash advances, and their related fees, from the date you make the transaction until you\npay them in full. You cannot avoid paying interest on cash advances or their related fees.\n\nHow We Calculate\nInterest\n\nWe figure the interest charge on your account separately for each balance type. We do this by applying the daily rate to the daily balance\nfor each day in the billing cycle. A separate daily balance is calculated for the following balance types, as applicable: purchases, cash\nadvances and balances subject to different interest rates, plans or special promotions. See below for how this works.\n1. How to get the daily balance: We take the starting balance each day, add any new charges and fees, and subtract any payments\nor credits. This gives us the daily balance. Debt cancellation fees, if any, are not included in the daily balance. Late payment fees\nare treated as new purchases. Cash advance fees are added to the cash advance balance.\n2. How to get the daily interest amount: We multiply each daily balance by the daily rate that applies.\n3. 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.\n4. How to get the interest charge for the billing cycle: We add all the daily interest amounts that were charged during the billing cycle.\nWe charge a minimum of $2.00 of interest in any billing cycle in which you owe interest. This charge is added proportionately to each\nbalance type.\n\nHow Fees Work\nCash Advance Fee\n\nWe will charge this fee for each cash advance you make. For ATM cash advances this fee is in addition to any fee the ATM owner may\ncharge you for use of the ATM.\n\nLate Payment Fee\n\nWe will charge this fee if we do not receive the total minimum payment due on your account by 5 p.m. (ET) on the due date. This fee is\nequal to:\n1. $28, if you have paid your total minimum payment due by the due date in each of the prior six billing cycles;\nOR\n2. $39, if you have failed to pay your total minimum payment due by the due date in any one or more of the prior six billing cycles.\nThe late payment fee will never be more than the total minimum payment that was due.\n\nMinimum Payment Calculation\nYour total minimum payment is calculated as follows.\nThe sum of:\nA. The greater of:\n1. $28 or $39 (which includes any past due amounts) if you have failed to pay the total minimum payment due by the due date in any one or more of the prior six\nbilling cycles;\nOR\n2. The sum of the following amounts, rounded up to the next highest whole dollar:\na. Any past due amounts; PLUS\nb. \x071% of your new balance shown on your billing statement (excluding any balance in connection with a special promotional purchase with a unique payment\ncalculation); PLUS\nc. Any late payment fees charged in the current billing cycle; PLUS\nd. All interest charged in the current billing cycle; PLUS\ne. Any payment due in connection with a special promotional purchase with a unique payment calculation.\nPLUS\nB. The monthly charges for any optional debt cancellation product you have elected to purchase for your account.\nYour total minimum payment will never be more than your new balance.\n2\n\n\x0cSECTION III: STANDARD PROVISIONS\nDRIVE SAVVY\xc2\xae REWARDS CREDIT CARD \xe2\x80\x93 PHILLIPS 66\xc2\xae AVIATION PERSONAL CREDIT CARD\nACCOUNT AGREEMENT\nABOUT THE CREDIT CARD ACCOUNT AGREEMENT\nThis Agreement. This is an Agreement between you and Synchrony Bank, 170 Election Road, Suite 125, Draper, UT 84020, for your credit card account shown above.\nBy opening or using your account, you agree to the terms of the entire Agreement. The entire Agreement includes the four sections of this document and the application\nyou submitted in connection with the account. These documents replace any other agreement relating to your account that you or we made earlier or at the same time.\nParties To This Agreement. This Agreement applies to each accountholder approved on the account and each of you is responsible for paying the full amount\ndue, no matter which one uses the account. We may treat each of you as one accountholder and may refer to each of you as \xe2\x80\x9cyou\xe2\x80\x9d or \xe2\x80\x9cyour.\xe2\x80\x9d Synchrony Bank may\nbe referred to as \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d or \xe2\x80\x9cour.\xe2\x80\x9d\nChanges To This Agreement. We may change, add or delete terms of this Agreement, including interest rates, fees and charges.\nSpecial Promotions. The terms of this Agreement apply to any special promotion. However, any special promotional terms that are different than the terms in this\nAgreement will be explained on promotional advertising or other disclosures provided to you.\n\nHOW TO USE YOUR ACCOUNT/CARD\nUse Of Your Account. You may use your account only for lawful personal, family or household purposes. You may use your account for purchases from Phillips 66,\nConoco, 76 and Phillips 66 Aviation FBO locations. You may get cash advances as explained below.\nCash Advances. We may offer you the opportunity to get a cash advance. You can get cash or make a withdrawal from any institution or ATM that accepts the\ncard or the account. In addition, we will treat any purchase of certain cash like items as cash advances. Cash like items include for example, money orders, cashier\xe2\x80\x99s\nchecks, traveler\xe2\x80\x99s checks, electronic or wire transfers, foreign currency or other in bank transactions, tax payments, lottery tickets or other legalized gambling\ntransactions, court costs, bail bonds and fines.\nYou Promise To Pay. You promise to pay us for all amounts owed to us under this Agreement.\nYour Responsibility. Each accountholder will receive a card. You may not allow anyone else to use your account. If you do, or if you ask us to send a card to\nsomeone else, you will be responsible for paying for all charges resulting from their transactions.\nTransaction Limits. To prevent fraud, we may limit the number or dollar amount of purchases you can make in any particular amount of time. We also may decline\nany particular charge on your account for any reason.\nCredit Limit. You will be assigned a credit limit and cash advance limit on your account that we may increase or decrease from time to time. If we approve a\ntransaction that makes you go over your credit limit or your cash advance limit, we do not give up any rights under this Agreement and we do not treat it as an\nincrease in either limit.\n\nHOW AND WHEN TO MAKE PAYMENTS\nWhen Payments Are Due. You must pay at least the total minimum payment due on your account by 5 p.m. (ET) on the due date of each billing cycle. Payments\nreceived after 5 p.m. (ET) will be credited as of the next day. You may at any time pay, in whole or in part, the total unpaid balance without any additional charge for\nprepayment. If you have a balance subject to interest, earlier payment may reduce the amount of interest you will pay. We may delay making credit available on your\naccount in the amount of your payment even though we will credit your payment when we receive it.\nPayment Options. You can pay by mail or online. We may allow you to make payments over the phone but we will charge you a fee to make expedited phone\npayments. Your payment must be made in U.S. dollars by physical or electronic check, money order or a similar instrument from a bank located in the United States.\nHow To Make A Payment. You must follow the instructions for making payments provided on your billing statement. If you do not, credit of your payment may be\ndelayed up to five days. Your billing statement also explains how information on your check is used.\nPayment Allocation. We will apply the required total minimum payment to balances on your account using any method we choose. Any payment you make in\nexcess of the required total minimum payment will be applied to higher APR balances before lower APR balances. Applicable law may require or permit us to apply\nexcess payments in a different manner in certain situations, such as when your account has a certain type of special promotion.\n\nINFORMATION ABOUT YOU\nUsing and Sharing Your Information. When you applied for an account, you gave us and the Phillips 66 Company information about yourself that we could share\nwith each other. Phillips 66 Company will use the information in connection with the credit program and for things like creating and updating its records and offering\nyou special benefits. More information about how we use and share information is set forth in the privacy policy for your account.\nAddress/Phone Change. You represent that any phone number that you provide to us belongs to you and/or that you are authorized to provide that number. You\nalso agree to tell us right away if you change your address or any phone number.\nConsent To Communications. You consent to us, as well as any other owner or servicer of your account, contacting you through any channel of communication\nand for any purpose, as permitted by applicable law. For informational, servicing, fraud, or collection related communications, you agree that we may use the\nphone numbers that you provide to us to contact your cellular phone or wireless device with text messages, artificial or prerecorded voice calls, and calls made by\nan automatic telephone dialing system. Text frequency may vary and may be recurring. This consent applies even if you are charged for the call under your plan.\nYou are responsible for any charges that may be billed to you by your communications carrier when we contact you. Message and data rates may vary. We and\nany carrier are not liable for delayed or undelivered messages. If you have questions, please call the number on the back of your card.\nTelephone Monitoring. For quality control, you allow us to listen to and/or record telephone calls between you and us.\n\nIMPORTANT INFORMATION ABOUT YOUR ACCOUNT\nClosing Your Account. You may close your account at any time by sending a letter to the address shown on your billing statement or calling customer service. We\nmay close your account at any time, for any reason. If your account is closed, you must stop using it. You must still pay the full amount you owe and this Agreement\nwill remain in effect until you do.\nCollection Costs. If we ask an attorney who is not our salaried employee to collect your account, we may charge you our collection costs. These include court\ncosts and reasonable attorneys\xe2\x80\x99 fees.\nCredit Bureau Reporting. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your\naccount may be shown in your credit report. Tell us if you think we reported wrong information about you to a credit bureau. Write to us at P.O. Box 965005,\nOrlando, FL 32896-5005. Tell us what information is wrong and why you think it is wrong. If you have a copy of the credit report that includes the wrong\ninformation, send us a copy.\n3\n\n\x0cDefault. You are in default if you make a late payment, do not follow any other term of this Agreement or become bankrupt or insolvent. If you default or upon your\ndeath, we may (a) request payment of the full amount due right away, (b) take legal action to collect the amounts owed, and/or (c) take any other action allowed.\nDisputed Amounts. The billing rights summary in section IV of this Agreement describes what to do if you think there is a mistake on your bill. If you\nsend us correspondence about a disputed amount or payment, you must send it to the address for billing inquiries. We do not give up any rights under\nthis Agreement if we accept a payment marked \xe2\x80\x9cpayment in full\xe2\x80\x9d or given with any other conditions or limitations.\nUnauthorized Use. If your card is lost, stolen or used without your consent, call us immediately at 1-855-513-1176. You will not be liable for unauthorized use on\nyour account, but you will be responsible for all use by anyone you give your card to or allow to use your account.\n\nIMPORTANT INFORMATION ABOUT THIS AGREEMENT\nAssignment. We may sell, assign or transfer any or all of our rights or duties under this Agreement or your account, including our rights to payments. We do not have\nto give you prior notice of such action. You may not sell, assign or transfer any of your rights or duties under this Agreement or your account.\nEnforceability. If any part of this Agreement is found to be void or unenforceable, all other parts of this Agreement will still apply.\nGoverning Law. Except as provided in the Resolving a Dispute with Arbitration section, this Agreement and your account are governed by federal law and, to the\nextent state law applies, the laws of Utah without regard to its conflicts of law principles. This Agreement has been accepted by us in Utah.\nWaiver. We may give up some of our rights under this Agreement. If we give up any of our rights in one situation, we do not give up the same right in\nanother situation.\n\nRESOLVING A DISPUTE WITH ARBITRATION\nPLEASE READ THIS SECTION CAREFULLY. IF YOU DO NOT REJECT IT, THIS SECTION WILL APPLY TO YOUR ACCOUNT, AND MOST DISPUTES\nBETWEEN YOU AND US WILL BE SUBJECT TO INDIVIDUAL ARBITRATION. THIS MEANS THAT: (1) NEITHER A COURT NOR A JURY WILL RESOLVE\nANY SUCH DISPUTE; (2) YOU WILL NOT BE ABLE TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING; (3) LESS INFORMATION WILL\nBE AVAILABLE; AND (4) APPEAL RIGHTS WILL BE LIMITED.\n1. CLAIMS AND PARTIES. If either you or we make a demand for arbitration, you and we must arbitrate any dispute or claim between you (including any other user\nof your account), and us (including our parents, affiliates, agents, employees, officers, and assignees) that directly or indirectly arises from or relates to your account,\nyour account Agreement or our relationship, except as noted below. In addition, Phillips 66 Company and/or any assignee, agent, or service provider of ours that\ncollects amounts due on your account are intended beneficiaries of this Arbitration section and may enforce it in full (notwithstanding any state law to the contrary).\n2. This Arbitration section broadly covers claims based upon contract, tort, consumer rights, fraud and other intentional torts, negligence, constitution, statute,\nregulation, ordinance, common law and equity and claims for money damages and injunctive or declaratory relief, even if they arose before this section took\neffect. You may not sell, assign or transfer a claim.\n3. Examples of claims subject to arbitration are disputes about an account transaction, fees, charges or interest, the events leading up to the Agreement (such as\nany disclosures, advertisements, promotions or oral or written statements, warranties or representations made by us), an application for or denial of credit, any\nproduct or service provided by us or third parties in connection with the Agreement, credit reporting, benefit programs related to your account including any\nreward program, the collection of amounts due by our assignees, service providers, or agents and the manner of collection.\n4. However, we will not require you to arbitrate any individual case in small claims court or your state\xe2\x80\x99s equivalent court, so long as it remains an individual case in\nthat court. Also, even if all parties have opted to litigate a claim in court, you or we may elect arbitration with respect to any claim made by a new party or any\nclaim later asserted by a party in any related or unrelated lawsuit, including modifying an individual claim to assert a class, representative or multi-party claim.\nArbitration may be requested at any time, even where there is a pending lawsuit, unless a trial has begun, or a final judgment entered.\n5. Only a court will decide disputes about the validity, enforceability, coverage or scope of this Arbitration section or any part thereof. However, any dispute that\nconcerns the validity or enforceability of the Agreement as a whole is for the arbitrator to decide.\n6. NO CLASS ACTIONS. IF EITHER YOU OR WE ELECT TO ARBITRATE A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT (A) TO PARTICIPATE IN\nA CLASS ACTION, PRIVATE ATTORNEY GENERAL ACTION OR OTHER REPRESENTATIVE ACTION IN COURT OR IN ARBITRATION, EITHER AS A CLASS\nREPRESENTATIVE OR CLASS MEMBER, OR (B) TO JOIN OR CONSOLIDATE CLAIMS WITH CLAIMS OF ANY OTHER PERSONS EXCEPT ACCOUNTHOLDERS\nON YOUR ACCOUNT. THUS, YOU MAY NOT BRING CLAIMS AGAINST US ON BEHALF OF ANY ACCOUNTHOLDER WHO IS NOT AN ACCOUNTHOLDER\nON YOUR ACCOUNT, AND YOU AGREE THAT ONLY ACCOUNTHOLDERS ON YOUR ACCOUNT MAY BE JOINED IN A SINGLE ARBITRATION WITH ANY\nCLAIM YOU HAVE.\n7. PROCEDURES. The party who wants to arbitrate must notify the other party in writing. This notice can be given after the beginning of a lawsuit or in papers\nfiled in the lawsuit. Otherwise, your notice must be sent to Synchrony Bank, Legal Operation, P.O. Box 29110, Shawnee Mission, KS 66201-5320, ATTN:\nARBITRATION DEMAND. The party seeking arbitration must select either the American Arbitration Association (AAA), 120 Broadway, Floor 21, New York, NY\n10271, www.adr.org, or JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, www.jamsadr.com, to administer the arbitration. If neither administrator\ncan handle the dispute, a court with jurisdiction will appoint an arbitrator.\n8. The arbitration administrator will appoint the arbitrator and will tell the parties what to do next. The arbitrator must be a lawyer with at least ten years of legal\nexperience. The arbitrator must apply the same law, consistent with the Federal Arbitration Act (FAA), that would apply to an individual action in court, but may\nuse different procedural rules. The arbitrator will apply the same statutes of limitation and privileges that a court would apply if the matter were pending in court.\n9. The arbitrator may award any damages or other relief or remedies that would apply under applicable law to an individual action brought in court, including, without\nlimitation, punitive damages (governed by the Constitutional standards employed by the courts) and injunctive, equitable and declaratory relief (but only in favor\nof the individual party seeking relief and only to the extent necessary to provide relief warranted by that party\xe2\x80\x99s individual claim). The parties will bear the fees and\ncosts of their attorneys, witnesses and experts. However, the arbitrator will have the authority to award fees and costs of attorneys, witnesses and experts to the\nextent permitted by the Agreement, the administrator\xe2\x80\x99s rules or applicable law.\n10. The arbitration will take place by phone or at a location reasonably convenient to you. If you ask, we will pay all the fees the administrator or arbitrator charges if\nyou cannot obtain a waiver of fees from the administrator and are acting in good faith. We will always pay arbitration costs required by the administrator\xe2\x80\x99s rules\nor that are necessary for this Arbitration section to be enforced.\n11. GOVERNING LAW. This Arbitration section is governed by the FAA. Utah law shall apply to the extent state law is relevant under the FAA, unless otherwise\nstated herein. The arbitrator\xe2\x80\x99s award will be final and binding, except for any appeal right under the FAA. Any court with jurisdiction may enter judgment upon\nthe arbitrator\xe2\x80\x99s award. The arbitration award and any judgment confirming it will apply only to the specific case and cannot be used in any other case except to\nenforce the award.\n12. SURVIVAL. This Arbitration section shall survive the repayment of all amounts owed, the termination, cancellation or suspension of the Agreement or your\naccount or credit privileges, any legal proceeding, and any bankruptcy by you, to the extent consistent with applicable bankruptcy law. If this Arbitration section\nconflicts with the applicable arbitration rules or the other provisions of the Agreement, this Arbitration section shall govern.\n13. SEVERABILITY. If any portion of this Arbitration section is held to be invalid or unenforceable, the remaining portions shall nevertheless remain in force with\nthe following two exceptions. First, if a determination is made that the \xe2\x80\x9cNo Class Actions\xe2\x80\x9d provision is unenforceable, and that determination is not reversed on\nappeal, then this Arbitration section shall be void in its entirety. Second, if a court determines that a public injunctive relief claim may proceed notwithstanding the\n\xe2\x80\x9cNo Class Actions\xe2\x80\x9d provision, and that determination is not reversed on appeal, then the public injunctive relief claim will be decided by a court, and any individual\nclaims will be arbitrated. The parties will ask the court to stay the public injunctive relief claim until the other claims have been finally concluded.\n\n4\n\n\x0c14. HOW TO REJECT ARBITRATION. You may reject this Arbitration section. If you do that, a court will resolve any dispute or claim. To reject this section, send\nus a notice within 45 days after you open your account or we first provided you with your right to reject this section. The notice must include your name, address,\naccount number, and personal signature, and must be mailed to Synchrony Bank, P.O. Box 965012, Orlando, FL 32896-5012. This is the only way you can\nreject this section. Rejecting this Arbitration section will not affect any other provision of the Agreement. It will also not affect any prior arbitration agreement or\ndispute resolution provision between you and us, which will remain in full force and effect. If you don\xe2\x80\x99t reject this Arbitration section, it will be effective as of the\ndate of the Agreement and will supersede any prior arbitration agreement between you and us that would otherwise be applicable.\n\nSECTION IV: OTHER IMPORTANT INFORMATION\nDRIVE SAVVY\xc2\xae REWARDS CREDIT CARD \xe2\x80\x93 PHILLIPS 66\xc2\xae AVIATION PERSONAL CREDIT CARD\nACCOUNT AGREEMENT\nThis section of the agreement includes state notices, billing rights summary and rewards terms (if applicable) and is not required to be provided as part of the credit card\nagreement posted online or provided to the CFPB.\n\nFR833282333 DRIVE SAVVY\xc2\xae REWARDS CREDIT CARD PHILLIPS 66\xc2\xae AVIATION PERSONAL CREDIT CARD\nT&C PLCC PDF WF2114411A\n6/20\n5\n\n\x0c'


b'FR833282333 WALMART CREDIT CARD\nTC PLCC PDF 38406B\n3/19\n\nSYNCHRONY BANK\nSECTION I: RATES AND FEES TABLE\nWALMART\xc2\xae CREDIT CARD ACCOUNT AGREEMENT\nPRICING INFORMATION\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases and\nQuick Cash Advances\n\nThe APR for purchases and quick cash advances is the prime rate plus 19.65%.\nThis APR will vary with the market based on the Prime Rate.\n\nHow to Avoid Paying Interest\n\nYour due date is at least 23 days after the close of each billing cycle. We will not charge\nyou any interest on purchases if you pay your entire balance by the due date each month.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFees\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $38.\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cdaily balance.\xe2\x80\x9d See your credit card account agreement\nbelow for more details.\n\n1\n\n\x0cSECTION II: RATES, FEES AND PAYMENT INFORMATION\nWALMART\xc2\xae CREDIT CARD ACCOUNT AGREEMENT\nHow Interest is Calculated\nYour Interest Rate\n\nThe APR for purchases and quick cash advances is the prime rate plus 19.65%. We use a daily rate to\ncalculate the interest on the balance on your account each day. The daily rate for purchases and quick\ncash advances is the APR times 1/365. As of February 1, 2019, the daily rate for purchases and quick cash\nadvances was .06891% (APR 25.15%). Interest will be imposed in amounts or at rates not in excess of those\npermitted by applicable law.\nDaily Rates May Vary. The APR and the daily rate on your account vary with the market based on the prime\nrate. The prime rate for a billing cycle is the highest bank prime loan rate published in The Wall Street Journal\nin its Money Rates section on the 15th day (or the next business day if the 15th day is not a business day) of\nthe calendar month preceding the first day of the billing cycle.\nIf the prime rate increases, the daily rate and APR will increase. As a result, interest, your total minimum\npayment and the number of payments it would take you to pay off your account balance may increase. We\napply any change in rates because of a prime rate change to your entire account balance. A change in the\nprime rate will take effect on the first day of the first billing cycle after the change. We may select a new interest\nrate index if the prime rate is not available.\n\nWhen We Charge Interest\n\nWe charge interest on your purchases from the date you make the purchase until you pay the purchase in full.\nSee exceptions below.\n\xe2\x80\xa2 We will not charge you interest during a billing cycle on any purchases if:\n1. You had no balance at the start of the billing cycle; OR\n2. \x07You had a balance at the start of the billing cycle and you paid that balance in full by the due date in that\nbilling cycle.\n\xe2\x80\xa2\t\x07We will credit, as of the start of the billing cycle, any payment you make by the due date that we allocate to\npurchases if:\n1. You had no balance at the start of the previous billing cycle; OR\n2. \x07You had a balance at the start of the previous billing cycle and you paid that balance in full by the due\ndate in the previous billing cycle.\n\nHow We Calculate Interest\n\nWe figure the interest charge on your account separately for each balance type. We do this by applying the\ndaily rate to the daily balance for each day in the billing cycle. A separate daily balance is calculated for the\nfollowing balance types, as applicable: purchases and balances subject to different interest rates, plans or\nspecial promotions. See below for how this works.\n1. \x07How to get the daily balance: We take the starting balance each day, add any new charges and fees, and\nsubtract any payments or credits. This gives us the daily balance. Credit insurance premiums and debt\ncancellation fees, if any, are not included in the daily balance. Late payment fees are treated as new purchases.\n2. How to get the daily interest amount: We multiply each daily balance by the daily rate that applies.\n3. \x07How to get the starting balance for the next day: We add the daily interest amount in step 2 to the daily\nbalance from step 1.\n4. \x07How to get the interest charge for the billing cycle: We add all the daily interest amounts that were\ncharged during the billing cycle.\nWe charge a minimum of $1.00 of interest in any billing cycle in which you owe interest. This charge is added\nproportionately to each balance type.\n\nHow Fees Work\nLate Payment Fee\n\nWe will charge this fee if we do not receive the total minimum payment due on your account by 5 p.m. (ET) on\nthe due date. This fee is equal to:\n1. $27, if you have paid your total minimum payment due by the due date in each of the prior six billing cycles.\nOR\n2. \x07$38, if you have failed to pay your total minimum payment due by the due date in any one or more of the\nprior six billing cycles.\nThe late payment fee will not be more than the total minimum payment that was due.\n\n2\n\n\x0cMinimum Payment Calculation\nYour total minimum payment is calculated as follows.\nThe greater of:\n1. \x07$25, or $35 (which includes any past due amounts) if you have failed to pay the total minimum payment due by the due date in any one or more of the prior six\nbilling cycles.\nOR\n2. The sum of:\na. Any past due amounts; PLUS\nb. \x071% of your new balance shown on your billing statement (excluding any balance in connection with a special promotional purchase with a unique\npayment calculation); PLUS\nc. A\n\x07 ny late payment fees charged in the current billing cycle; PLUS\nd. A\n\x07 ll interest charged in the current billing cycle; PLUS\ne. Any payment due in connection with a special promotional purchase with a unique payment calculation.\nWe round up to the next highest whole dollar in figuring your total minimum payment. Your total minimum payment will never be more than your new balance.\nSpecial Promotional Financing Offer Information\nAt times, we may offer you special financing promotions for certain transactions (\xe2\x80\x9cspecial promotions\xe2\x80\x9d). The terms of the agreement apply to any special\npromotion. However, any special promotional terms that are different than the terms in the agreement will be explained on promotional advertising or other\ndisclosures provided to you. Below is a description of certain promotions that may be offered:\n\xe2\x80\xa2 No Interest For 6 Months\n\xe2\x80\xa2 No Interest For 12 Months\n\nFor each promotion, after the promotion ends, the variable Purchase APR that applies to\nyour account when the promotional purchase is made will apply.\n\n\xe2\x80\xa2 No Interest For 18 Months\n\nAt the time your account is opened, the variable Purchase APR is 25.15%.\nYour purchase APR will vary with the market based on the prime rate.\n\n\xe2\x80\xa2 No Interest For 24 Months\n\nWhen you make a qualifying purchase under one of these promotions, no interest will be assessed on the purchase during the promotional period, but minimum\nmonthly payments are required. Regular account terms apply to non-promotional purchases and, after promotion ends, to your promotional purchases. Offers\nare subject to credit approval. These promotional offers may not be available at all times for all purchases. Please see any special promotion advertising or other\ndisclosures provided to you for the full terms of any special promotion offered. In addition, the special promotions described below may be offered:\n\xe2\x80\xa2 No Interest if Paid in Full Within 6 Months\n\xe2\x80\xa2 No Interest if Paid in Full Within 12 Months\n\nFor each promotion, if the promotional balance is not paid in full within the promotional\nperiod, interest will be imposed from the date of purchase at the variable Purchase APR that\napplies to your account when the promotional purchase is made.\n\n\xe2\x80\xa2 No Interest if Paid in Full Within 18 Months\n\nAt the time your account is opened, the variable Purchase APR is 25.15%.\n\n\xe2\x80\xa2 No Interest if Paid in Full Within 24 Months\n\nYour purchase APR will vary with the market based on the prime rate.\n\nWhen you make a qualifying purchase under one of these promotions, no interest will be assessed on the purchase if you pay the following (the \xe2\x80\x9cpromotional\nbalance\xe2\x80\x9d) in full within the applicable promotional period: (1) the promotional purchase amount, and (2) any related optional credit insurance/debt cancellation\ncharges. If you do not, interest will be assessed on the promotional balance from the date of the purchase. Minimum monthly payments are required. Some or\nall of the minimum payment based on the promotional balance may be applied to other account balances. Regular account terms apply to non-promotional\npurchases and, after promotion ends, to promotional purchases. Offers are subject to credit approval. These promotional offers may not be available at all times\nfor all purchases. Please see any special promotion advertising or other disclosures provided to you for the full terms of any special promotion offered.\n\nSECTION III: STANDARD PROVISIONS\nWALMART\xc2\xae CREDIT CARD ACCOUNT AGREEMENT\nABOUT THE CREDIT CARD ACCOUNT AGREEMENT\nThis Agreement. This is an Agreement between you and Synchrony Bank, 170 Election Road, Suite 125, Draper, UT 84020, for your credit card\naccount shown above. By opening or using your account, you agree to the terms of the entire Agreement. The entire Agreement includes the four\nsections of this document and the application you submitted to us in connection with the account. These documents replace any other agreement\nrelating to your account that you or we made earlier or at the same time.\nParties To This Agreement. This Agreement applies to each accountholder approved on the account and each of you is responsible for paying the\nfull amount due, no matter which one uses the account. We may treat each of you as one accountholder and may refer to each of you as \xe2\x80\x9cyou\xe2\x80\x9d or \xe2\x80\x9cyour.\xe2\x80\x9d\nSynchrony Bank may be referred to as \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d or \xe2\x80\x9cour.\xe2\x80\x9d\nChanges To This Agreement. We may change, add or delete terms of this Agreement, including interest rates, fees and charges.\nSpecial Promotions. The terms of this Agreement apply to any special promotion. However, any special promotional terms that are different than the\nterms in this Agreement will be explained on promotional advertising or other disclosures provided to you.\n\nHOW TO USE YOUR ACCOUNT/CARD\nUse Of Your Account. You may use your account only for lawful personal, family or household purposes. You may use your account for purchases\nfrom Walmart locations. You may use your credit card to obtain cash loans (\xe2\x80\x9cquick cash advances\xe2\x80\x9d) at participating Walmart owned registers (not at\nregisters in leased departments) in Walmart stores. Each quick cash advance must be in increments of $20.00, up to any limit we may set, and may only\nbe obtained if you are making an approved purchase with your credit card. No more than one quick cash advance may be obtained on your account\neach day. Except as otherwise expressly provided in the Agreement or any applicable offer, a quick cash advance will be treated as a purchase.\nYou Promise To Pay. You promise to pay us for all amounts owed to us under this Agreement.\nYour Responsibility. Each accountholder will receive a card. You may not allow anyone else to use your account. If you do, or if you ask us to send a\ncard to someone else, you will be responsible for paying for all charges resulting from their transactions.\n3\n\n\x0cPurchase Limits. To prevent fraud, we may limit the number or dollar amount of purchases you can make in any particular amount of time. We also\nmay decline any particular charge on your account for any reason.\nCredit Limit. You will be assigned a credit limit and cash advance limit on your account that we may increase or decrease from time to time. If we\napprove a transaction that makes you go over your credit limit or your cash advance limit, we do not give up any rights under this Agreement and we\ndo not treat it as an increase in either limit.\n\nHOW AND WHEN TO MAKE PAYMENTS\nWhen Payments Are Due. You must pay at least the total minimum payment due on your account by 5 p.m. (ET) on the due date of each billing cycle.\nPayments received after 5 p.m. (ET) will be credited as of the next day. You may at any time pay, in whole or in part, the total unpaid balance without\nany additional charge for prepayment. If you have a balance subject to interest, earlier payment may reduce the amount of interest you will pay. We may\ndelay making credit available on your account in the amount of your payment even though we will credit your payment when we receive it.\nPayment Options. You can pay by mail, online or at a Walmart or Sam\xe2\x80\x99s Club store. We may allow you to make payments over the phone but we will\ncharge you a fee to make expedited phone payments. Your payment must be made in U.S. dollars by physical or electronic check, money order or a\nsimilar instrument from a bank located in the United States.\nHow To Make A Payment. You must follow the instructions for making payments provided on your billing statement. If you do not, credit of your\npayment may be delayed up to five days. Your billing statement also explains how information on your check is used.\nPayment Allocation. We will apply the required total minimum payment to balances on your account using any method we choose. Any payment you\nmake in excess of the required total minimum payment will be applied to higher APR balances before lower APR balances. Applicable law may require\nor permit us to apply excess payments in a different manner in certain situations, such as when your account has a certain type of special promotion.\n\nINFORMATION ABOUT YOU\nUsing And Sharing Your Information. When you applied for an account, you gave us and Wal-mart Stores, Inc. information about yourself that we\ncould share with each other. Wal-mart Stores, Inc. will use the information in connection with the credit program and for things like creating and updating\nits records and offering you special benefits. More information about how we use and share information is set forth in the privacy policy for your account.\nAddress/Phone Change. You represent that any phone number that you provide to us belongs to you and/or that you are authorized to provide that\nnumber. You also agree to tell us right away if you change your address or any phone number.\nConsent To Communications. You consent to us, as well as any other owner or servicer of your account, contacting you through any channel of\ncommunication and for any purpose, as permitted by applicable law. For informational, servicing, fraud, or collection related communications, you agree\nthat we may use the phone numbers that you provide to us to contact your cellular phone or wireless device with text messages, artificial or prerecorded\nvoice calls, and calls made by an automatic telephone dialing system. Text frequency may vary and may be recurring. This consent applies even if you are\ncharged for the call under your plan. You are responsible for any charges that may be billed to you by your communications carrier when we contact you.\nMessage and data rates may vary. We and any carrier are not liable for delayed or undelivered messages. If you have questions, please call the number\non the back of your card.\nTelephone Monitoring. For quality control, you allow us to listen to and/or record telephone calls between you and us.\n\nIMPORTANT INFORMATION ABOUT YOUR ACCOUNT\nClosing Your Account. You may close your account at any time by sending a letter to the address shown on your billing statement or calling customer\nservice. We may close your account at any time, for any reason. If your account is closed, you must stop using it. You must still pay the full amount you\nowe and this Agreement will remain in effect until you do.\nCollection Costs. If we ask an attorney who is not our salaried employee to collect your account, we may charge you our collection costs. These\ninclude court costs and reasonable attorneys\xe2\x80\x99 fees.\nCredit Bureau Reporting. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your\naccount may be shown in your credit report. Tell us if you think we reported wrong information about you to a credit bureau. Write to us at P.O. Box 965024,\nOrlando, FL 32896-5024. Tell us what information is wrong and why you think it is wrong. If you have a copy of the credit report that includes the wrong\ninformation, send us a copy.\nDefault. You are in default if you make a late payment, do not follow any other term of this Agreement or become bankrupt or insolvent. If you default\nor upon your death, we may (a) request payment of the full amount due right away, (b) take legal action to collect the amounts owed, and/or (c) take any\nother action allowed.\nDisputed Amounts. The billing rights summary in section IV of this Agreement describes what to do if you think there is a mistake on your\nbill. If you send us correspondence about a disputed amount or payment, you must send it to the address for billing inquiries. We do not\ngive up any rights under this Agreement if we accept a payment marked \xe2\x80\x9cpayment in full\xe2\x80\x9d or given with any other conditions or limitations.\nUnauthorized Use. If your card is lost, stolen or used without your consent, call us immediately at 1-877-294-7880. You will not be liable for unauthorized\nuse on your account, but you will be responsible for all use by anyone you give your card to or allow to use your account.\n\nIMPORTANT INFORMATION ABOUT THIS AGREEMENT\nAssignment. We may sell, assign or transfer any or all of our rights or duties under this Agreement or your account, including our rights to payments. We\ndo not have to give you prior notice of such action. You may not sell, assign or transfer any of your rights or duties under this Agreement or your account.\nEnforceability. If any part of this Agreement is found to be void or unenforceable, all other parts of this Agreement will still apply.\nGoverning Law. Except as provided in the Resolving a Dispute with Arbitration section, this Agreement and your account are governed by federal law\nand, to the extent state law applies, the laws of Utah without regard to its conflicts of law principles. This Agreement has been accepted by us in Utah.\nWaiver. We may give up some of our rights under this Agreement. If we give up any of our rights in one situation, we do not give up the same right in\nanother situation.\n\n4\n\n\x0cRESOLVING A DISPUTE WITH ARBITRATION\nPLEASE READ THIS SECTION CAREFULLY. IF YOU DO NOT REJECT IT, THIS SECTION WILL APPLY TO YOUR ACCOUNT, AND MOST\nDISPUTES BETWEEN YOU AND US WILL BE SUBJECT TO INDIVIDUAL ARBITRATION. THIS MEANS THAT: (1) NEITHER A COURT NOR A\nJURY WILL RESOLVE ANY SUCH DISPUTE; (2) YOU WILL NOT BE ABLE TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING;\n(3) LESS INFORMATION WILL BE AVAILABLE; AND (4) APPEAL RIGHTS WILL BE LIMITED.\n\xe2\x80\xa2 What claims are subject to arbitration\n1. \x07If either you or we make a demand for arbitration, you and we must arbitrate any dispute or claim between you or any other user of your account,\nand us, our affiliates, agents and/or Wal-mart Stores, Inc. if it relates to your account, except as noted below.\n2. \x07We will not require you to arbitrate: (1) any individual case in small claims court or your state\xe2\x80\x99s equivalent court, so long as it remains an individual\ncase in that court; or (2) a case we file to collect money you owe us. However, if you respond to the collection lawsuit by claiming any wrongdoing,\nwe may require you to arbitrate.\n3. \x07Notwithstanding any other language in this section, only a court, not an arbitrator, will decide disputes about the validity, enforceability, coverage\nor scope of this section or any part thereof (including, without limitation, the next paragraph of this section and/or this sentence). However, any\ndispute or argument that concerns the validity or enforceability of the Agreement as a whole is for the arbitrator, not a court, to decide.\n\xe2\x80\xa2 No Class Actions\nYOU AGREE NOT TO PARTICIPATE IN A CLASS, REPRESENTATIVE OR PRIVATE ATTORNEY GENERAL ACTION AGAINST US IN\nCOURT OR ARBITRATION. ALSO, YOU MAY NOT BRING CLAIMS AGAINST US ON BEHALF OF ANY ACCOUNTHOLDER WHO IS\nNOT AN ACCOUNTHOLDER ON YOUR ACCOUNT, AND YOU AGREE THAT ONLY ACCOUNTHOLDERS ON YOUR ACCOUNT MAY BE\nJOINED IN A SINGLE ARBITRATION WITH ANY CLAIM YOU HAVE.\nIf a court determines that this paragraph is not fully enforceable, only this sentence will remain in force and the remainder will be null and void, and\nthe court\xe2\x80\x99s determination shall be subject to appeal. This paragraph does not apply to any lawsuit or administrative proceeding filed against us by\na state or federal government agency even when such agency is seeking relief on behalf of a class of borrowers, including you. This means that we\nwill not have the right to compel arbitration of any claim brought by such an agency.\n\xe2\x80\xa2 How to start an arbitration, and the arbitration process\n1. \x07The party who wants to arbitrate must notify the other party in writing. This notice can be given after the beginning of a lawsuit or in papers filed\nin the lawsuit. Otherwise, your notice must be sent to Synchrony Bank, Legal Operation, P.O. Box 29110, Shawnee Mission, KS 66201-5320,\nATTN: ARBITRATION DEMAND. The party seeking arbitration must select an arbitration administrator, which can be either the American Arbitration\nAssociation (AAA), 120 Broadway, Floor 21, New York, NY 10271, www.adr.org, 1-800-778-7879, or JAMS, 620 Eighth Avenue, 34th Floor,\nNew York, NY 10018, www.jamsadr.com, 1-800-352-5267. If neither administrator is able or willing to handle the dispute, then the court will appoint\nan arbitrator.\n2. \x07If a party files a lawsuit in court asserting claim(s) that are subject to arbitration and the other party files a motion with the court to compel\narbitration, which is granted, it will be the responsibility of the party asserting the claim(s) to commence the arbitration proceeding.\n3. \x07The arbitration administrator will appoint the arbitrator and will tell the parties what to do next. The arbitrator must be a lawyer with at least ten\nyears of legal experience. Once appointed, the arbitrator must apply the same law and legal principles, consistent with the FAA, that would apply\nin court, but may use different procedural rules. If the administrator\xe2\x80\x99s rules conflict with this Agreement, this Agreement will control.\n4. \x07The arbitration will take place by phone or at a reasonably convenient location. If you ask us to, we will pay all the fees the administrator or\narbitrator charges, as long as we believe you are acting in good faith. We will always pay arbitration costs, as well as your legal fees and costs,\nto the extent you prevail on claims you assert against us in an arbitration proceeding which you have commenced.\n\xe2\x80\xa2 Governing Law for Arbitration\n\t\x07This Arbitration section of your Agreement is governed by the Federal Arbitration Act (FAA). Utah law shall apply to the extent state law is relevant\nunder the FAA. The arbitrator\xe2\x80\x99s decision will be final and binding, except for any appeal right under the FAA. Any court with jurisdiction may enter\njudgment upon the arbitrator\xe2\x80\x99s award.\n\xe2\x80\xa2 How to reject this section\n\t\x07\nYou may reject this Arbitration section of your Agreement. If you do that, only a court may be used to resolve any dispute or claim.\nTo reject this section, you must send us a notice within 60 days after you open your account or we first provided you with your\nright to reject this section. The notice must include your name, address and account number, and must be mailed to Synchrony\nBank, P.O. Box 965012, Orlando, FL 32896-5012. This is the only way you can reject this section.\n\nSECTION IV: OTHER IMPORTANT INFORMATION\nWALMART\xc2\xae CREDIT CARD ACCOUNT AGREEMENT\nThis section of the agreement includes state notices, billing rights summary and rewards terms (if applicable) and is not required to be provided as part of\nthe credit card agreement posted online or provided to the CFPB.\n\n5\n\nFR833282333 WALMART CREDIT CARD\nTC PLCC PDF 38406B\n3/19\n\n\x0c'


b'FR833282333 CHEVRON AND/OR TEXACO TECHRON ADVANTAGE VISA CARD\nT&C DC PDF WF2114779C\n6/20\n\nSYNCHRONY BANK\nSECTION I: RATES AND FEES TABLE\nTECHRON ADVANTAGE\xc2\xae VISA\xc2\xae CARD ACCOUNT AGREEMENT\nPRICING INFORMATION\nInterest Rates and Interest Charges\nAnnual Percentage\nRate (APR) for\nPurchases\n\nThe APR for purchases is the prime rate plus 23.74%.\n\nAPR for Cash\nAdvances\n\n29.99%\n\nPaying Interest\n\nYour due date is at least 23 days after the close of each billing cycle. We will not charge you any interest\non purchases if you pay your entire balance by the due date each month. We will begin charging interest\non cash advances on the transaction date.\n\nMinimum Interest\nCharge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nThis APR will vary with the market based on the Prime Rate.\n\nFees\nTransaction Fees\n\xe2\x80\xa2 Cash Advance\n\nEither $10 or 5% of the amount of each cash advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\n3% of each transaction.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39.\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cdaily balance.\xe2\x80\x9d See your credit card account agreement that follows\nfor more details.\n\n1\n\n\x0cSECTION II: RATES, FEES AND PAYMENT INFORMATION\nTECHRON ADVANTAGE VISA CARD ACCOUNT AGREEMENT\nHow Interest is Calculated\nYour Interest Rate\n\nWe use a daily rate to calculate the interest on the balance on your account each day. The daily rate is the applicable APR times 1/365.\nInterest will be imposed in amounts or at rates not in excess of those permitted by applicable law.\nThe APR for purchases is the prime rate plus 23.74%. As of April 1, 2020, the daily rate for purchases was .07395% (APR 26.99%).\nDaily Rates May Vary. The APRs and the daily rates for purchases on your account vary with the market based on the prime rate.\nThe prime rate for a billing cycle is the highest bank prime loan rate published in The Wall Street Journal in its Money Rates section on\nthe last business day of the calendar month preceding the first day of the billing cycle.\nIf the prime rate increases, the daily rates and APRs for purchases will increase. As a result, interest, your total minimum payment and\nthe number of payments it would take you to pay off your account balance may increase. We apply any change in rates because of a\nprime rate change to your entire account balance. A change in the prime rate will take effect on the first day of the first billing cycle after\nthe change. We may select a new interest rate index if the prime rate is not available.\nThe daily rate for cash advances is .08217% (APR 29.99%).\n\nWhen We Charge\nInterest\n\nPurchases. We charge interest on your purchases from the date you make the purchase until you pay the purchase in full. See\nexceptions below.\n\xe2\x80\xa2 We will not charge you interest during a billing cycle on any purchases if:\n1. You had no balance at the start of the billing cycle; OR\n2. You had a balance at the start of the billing cycle and you paid that balance in full by the due date in that billing cycle.\n\xe2\x80\xa2 We will credit, as of the start of the billing cycle, any payment you make by the due date that we allocate to purchases if:\n1. You had no balance at the start of the previous billing cycle; OR\n2. \x07You had a balance at the start of the previous billing cycle and you paid that balance in full by the due date in the previous\nbilling cycle.\nCash Advances. We charge interest on your cash advances, and their related fees, from the date you make the transaction until you\npay them in full. You cannot avoid paying interest on cash advances or their related fees.\n\nHow We Calculate\nInterest\n\nWe figure the interest charge on your account separately for each balance type. We do this by applying the daily rate to the daily balance\nfor each day in the billing cycle. A separate daily balance is calculated for the following balance types, as applicable: purchases, cash\nadvances and balances subject to different interest rates, plans or special promotions. See below for how this works.\n1. \x07How to get the daily balance: We take the starting balance each day, add any new charges and fees, and subtract any payments\nor credits. This gives us the daily balance.\nWe apply fees to balance types as follows:\n(a) late payment fees are treated as new purchases;\n(b) debt cancellation fees are added proportionately to each balance;\n(c) cash advance fees are added to the cash advance balance; and\n(d) foreign transaction fees are added to the purchase balance.\n2. How to get the daily interest amount: We multiply each daily balance by the daily rate that applies.\n3. 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.\n4. \x07How to get the interest charge for the billing cycle: We add all the daily interest amounts that were charged during the\nbilling cycle.\nWe charge a minimum of $1.00 of interest in any billing cycle in which you owe interest. This charge is added proportionately to each\nbalance type.\n\n2\n\n\x0cHow Fees Work\nCash\nAdvance Fee\n\nWe will charge this fee for each cash advance you make. For ATM cash advances this fee is in addition to any fee the ATM owner may\ncharge you for use of the ATM.\n\nForeign\nTransaction Fee\n\nWe will charge this fee for purchases or cash advances you make in currencies other than U.S. dollars and/or in a country other than the\nU.S., whether or not the transaction was in a foreign currency.\nIf you make a transaction with your account in a currency other than U.S. dollars, Visa U.S.A. Inc. (\xe2\x80\x9cVisa\xe2\x80\x9d) will convert the transaction\namount into U.S. dollars using its currency conversion procedure. Under the currency conversion procedure that Visa currently uses, the\nnon-U.S. dollar transaction amount is converted into a U.S. dollar amount by multiplying the transaction amount in the non-U.S. dollar\ncurrency by a currency conversion rate. Currently, Visa operating regulations provide that the currency conversion rate is either (1) a rate\nselected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate\nmay vary from the rate Visa itself receives, or (2) the government-mandated rate in effect for the applicable central processing date. The\ncurrency conversion rate that is in effect on the central processing date may differ from the rate in effect on the transaction date or the\nposting date, and may be higher than the rate you could have gotten if you had converted U.S. dollars into the foreign currency.\n\nLate\nPayment Fee\n\nWe will charge this fee if we do not receive the total minimum payment due on your account by 5 p.m. (ET) on the due date. This fee is\nequal to:\n1. $28, if you have paid your total minimum payment due by the due date in each of the prior six billing cycles.\nOR\n2. $39, if you have failed to pay your total minimum payment due by the due date in any one or more of the prior six billing cycles.\nThe late payment fee will not be more than the total minimum payment that was due.\n\nMinimum Payment Calculation\nYour total minimum payment is calculated as follows.\nThe greater of:\n1. \x07$28, or $39 (which includes any past due amounts) if you have failed to pay the total minimum payment due by the due date in any one or more of the prior six\nbilling cycles.\nOR\n2. The sum of:\na. Any past due amounts; PLUS\nb. \x071% of your new balance shown on your billing statement (excluding any balance in connection with a special promotional purchase with a unique payment\ncalculation); PLUS\nc. Any late payment fees charged in the current billing cycle; PLUS\nd. All interest charged in the current billing cycle; PLUS\ne. Any payment due in connection with a special promotional purchase with a unique payment calculation.\nWe round up to the next highest whole dollar in figuring your total minimum payment. Your total minimum payment will never be more than your new balance. Payments\nrequired in connection with a special promotional purchase with a unique payment calculation will not be increased, but may be included in the $28 or $39 minimum\namount otherwise due on your account.\n\nSECTION III: STANDARD PROVISIONS\nTECHRON ADVANTAGE VISA CARD ACCOUNT AGREEMENT\nABOUT THE CREDIT CARD ACCOUNT AGREEMENT\nThis Agreement. This is an Agreement between you and Synchrony Bank, 170 Election Road, Suite 125, Draper, UT 84020, for your credit card account shown\nabove. By opening or using your account, you agree to the terms of the entire Agreement. The entire Agreement includes the four sections of this document and\nthe application you submitted to us in connection with the account. These documents replace any other agreement relating to your account that you or we made\nearlier or at the same time.\nParties To This Agreement. This Agreement applies to each accountholder approved on the account and each of you is responsible for paying the full\namount due, no matter which one uses the account. We may treat each of you as one accountholder and may refer to each of you as \xe2\x80\x9cyou\xe2\x80\x9d or \xe2\x80\x9cyour.\xe2\x80\x9d\nSynchrony Bank may be referred to as \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d or \xe2\x80\x9cour.\xe2\x80\x9d\nChanges To This Agreement. We may change, add or delete terms of this Agreement, including interest rates, fees and charges.\nSpecial Promotions. The terms of this Agreement apply to any special promotion. However, any special promotional terms that are different than the terms in\nthis Agreement will be explained on promotional advertising or other disclosures provided to you.\n\nHOW TO USE YOUR ACCOUNT/CARD\nUse Of Your Account. You may use your account only for lawful personal, family or household purposes. You may use your account for purchases from\nChevron or Texaco locations, and from any merchant that accepts Visa credit cards. You may get cash advances as further explained below.\nCash Advances. We may offer you the opportunity to get a cash advance with convenience checks that we send you. We may not honor a convenience check for\nany reason stated on the check. You can also get cash or make a withdrawal from any institution or ATM that accepts the card or the account. In addition, we will\ntreat any purchase of certain cash like items as cash advances. Cash like items include for example, money orders, cashier\xe2\x80\x99s checks, traveler\xe2\x80\x99s checks, electronic or\nwire transfers, foreign currency or other in bank transactions, tax payments, lottery tickets or other legalized gambling transactions, court costs, bail bonds and fines.\nYour Promise To Pay. You promise to pay us for all amounts owed to us under this Agreement.\nYour Responsibility. Each accountholder will receive a card. You may not allow anyone else to use your account. If you do, or if you ask us to send a card to\nsomeone else, you will be responsible for paying for all charges resulting from their transactions.\n\n3\n\n\x0cTransaction Limits. To prevent fraud, we may limit the number or dollar amount of any type of transactions you can make in any particular amount of time. We also\nmay decline any particular charge on your account for any reason.\nCredit Limit. You will be assigned a credit limit and cash advance limit on your account that we may increase or decrease from time to time. If we approve a\ntransaction that makes you go over your credit limit or your cash advance limit, we do not give up any rights under this Agreement and we do not treat it as an\nincrease in either limit.\n\nHOW AND WHEN TO MAKE PAYMENTS\nWhen Payments Are Due. You must pay at least the total minimum payment due on your account by 5 p.m. (ET) on the due date of each billing cycle. Payments\nreceived after 5 p.m. (ET) will be credited as of the next day. You may at any time pay, in whole or in part, the total unpaid balance without any additional charge for\nprepayment. If you have a balance subject to interest, earlier payment may reduce the amount of interest you will pay. We may delay making credit available on your\naccount in the amount of your payment even though we will credit your payment when we receive it.\nPayment Options. You can pay by mail or online. We may allow you to make payments over the phone but we will charge you a fee to make expedited phone\npayments. Your payment must be made in U.S. dollars by physical or electronic check, money order or a similar instrument from a bank located in the United States.\nHow To Make A Payment. You must follow the instructions for making payments provided on your billing statement. If you do not, credit of your payment may be\ndelayed up to five days. Your billing statement also explains how information on your check is used.\nPayment Allocation. We will apply the required total minimum payment to balances on your account using any method we choose. Any payment you make in\nexcess of the required total minimum payment will be applied to higher APR balances before lower APR balances. Applicable law may require or permit us to apply\nexcess payments in a different manner in certain situations, such as when your account has a certain type of special promotion.\n\nINFORMATION ABOUT YOU\nUsing And Sharing Your Information. When you applied for an account, you gave us and Chevron U.S.A. Inc. information about yourself that we could share with\neach other. Chevron U.S.A. Inc. will use the information in connection with the credit program and for things like creating and updating its records and offering you\nspecial benefits. More information about how we use and share information is set forth in the privacy policy for your account.\nAddress/Phone Change. You represent that any phone number that you provide to us belongs to you and/or that you are authorized to provide that number. You\nalso agree to tell us right away if you change your address or any phone number.\nConsent To Communications. You consent to us, as well as any other owner or servicer of your account, contacting you through any channel of communication\nand for any purpose, as permitted by applicable law. For informational, servicing, fraud, or collection related communications, you agree that we may use the\nphone numbers that you provide to us to contact your cellular phone or wireless device with text messages, artificial or prerecorded voice calls, and calls made by\nan automatic telephone dialing system. Text frequency may vary and may be recurring. This consent applies even if you are charged for the call under your plan.\nYou are responsible for any charges that may be billed to you by your communications carrier when we contact you. Message and data rates may vary. We and\nany carrier are not liable for delayed or undelivered messages. If you have questions, please call the number on the back of your card.\nTelephone Monitoring. For quality control, you allow us to listen to and/or record telephone calls between you and us.\n\nIMPORTANT INFORMATION ABOUT YOUR ACCOUNT\nClosing Your Account. You may close your account at any time by sending a letter to the address shown on your billing statement or calling customer service. We\nmay close your account at any time, for any reason. If your account is closed, you must stop using it. You must still pay the full amount you owe and this Agreement\nwill remain in effect until you do.\nCollection Costs. If we ask an attorney who is not our salaried employee to collect your account, we may charge you our collection costs. These include court\ncosts and reasonable attorneys\xe2\x80\x99 fees.\nCredit Bureau Reporting. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your\naccount may be shown in your credit report. Tell us if you think we reported wrong information about you to a credit bureau. Write to us at P.O. Box 965015,\nOrlando, FL 32896-5015. Tell us what information is wrong and why you think it is wrong. If you have a copy of the credit report that includes the wrong information,\nsend us a copy.\nDefault. You are in default if you make a late payment, do not follow any other term of this Agreement or become bankrupt or insolvent. If you default or upon your\ndeath, we may (a) request payment of the full amount due right away, (b) take legal action to collect the amounts owed, and/or (c) take any other action allowed.\nDisputed Amounts. The billing rights summary in section IV of this Agreement describes what to do if you think there is a mistake on your bill. If you\nsend us correspondence about a disputed amount or payment, you must send it to the address for billing inquiries. We do not give up any rights under\nthis Agreement if we accept a payment marked \xe2\x80\x9cpayment in full\xe2\x80\x9d or given with any other conditions or limitations.\nUnauthorized Use. If your card is lost, stolen or used without your consent, call us immediately at 1-866-448-4367. You will not be liable for unauthorized use on\nyour account, but you will be responsible for all use by anyone you give your card to or allow to use your account.\nTransactions Processed On The Visa Network. Transactions made using your credit card in a Chevron or Texaco location are processed by Synchrony Bank and\nare not processed on the Visa network. As a result, these transactions are not eligible for certain benefits that apply to transactions processed over the Visa network.\nFor example, transactions in a Chevron or Texaco location do not count as eligible transactions for promotions that are sponsored by Visa, such as \xe2\x80\x9cVisa Extras.\xe2\x80\x9d\nYour account is protected against unauthorized use as provided in this Agreement. In addition, Visa\xe2\x80\x99s Zero Liability policy applies to all transactions not made in a\nChevron or Texaco location.\n\nIMPORTANT INFORMATION ABOUT THIS AGREEMENT\nAssignment. We may sell, assign or transfer any or all of our rights or duties under this Agreement or your account, including our rights to payments. We do not have\nto give you prior notice of such action. You may not sell, assign or transfer any of your rights or duties under this Agreement or your account.\nEnforceability. If any part of this Agreement is found to be void or unenforceable, all other parts of this Agreement will still apply.\nGoverning Law. Except as provided in the Resolving a Dispute with Arbitration section, this Agreement and your account are governed by federal law and, to the\nextent state law applies, the laws of Utah without regard to its conflicts of law principles. This Agreement has been accepted by us in Utah.\nWaiver. We may give up some of our rights under this Agreement. If we give up any of our rights in one situation, we do not give up the same right in another situation.\n\n4\n\n\x0cRESOLVING A DISPUTE WITH ARBITRATION\nPLEASE READ THIS SECTION CAREFULLY. IF YOU DO NOT REJECT IT, THIS SECTION WILL APPLY TO YOUR ACCOUNT, AND MOST DISPUTES\nBETWEEN YOU AND US WILL BE SUBJECT TO INDIVIDUAL ARBITRATION. THIS MEANS THAT: (1) NEITHER A COURT NOR A JURY WILL RESOLVE\nANY SUCH DISPUTE; (2) YOU WILL NOT BE ABLE TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING; (3) LESS INFORMATION WILL\nBE AVAILABLE; AND (4) APPEAL RIGHTS WILL BE LIMITED.\n1. CLAIMS AND PARTIES. If either you or we make a demand for arbitration, you and we must arbitrate any dispute or claim between you (including any other\nuser of your account), and us (including our parents, affiliates, agents, employees, officers, and assignees) that directly or indirectly arises from or relates to your\naccount, your account Agreement or our relationship, except as noted below. In addition, Chevron U.S.A. Inc. and/or any assignee, agent, or service provider of\nours that collects amounts due on your account are intended beneficiaries of this Arbitration section and may enforce it in full (notwithstanding any state law to\nthe contrary).\n2. This Arbitration section broadly covers claims based upon contract, tort, consumer rights, fraud and other intentional torts, negligence, constitution, statute,\nregulation, ordinance, common law and equity and claims for money damages and injunctive or declaratory relief, even if they arose before this section took effect.\nYou may not sell, assign or transfer a claim.\n3. Examples of claims subject to arbitration are disputes about an account transaction, fees, charges or interest, the events leading up to the Agreement (such as any\ndisclosures, advertisements, promotions or oral or written statements, warranties or representations made by us), an application for or denial of credit, any product\nor service provided by us or third parties in connection with the Agreement, credit reporting, benefit programs related to your account including any reward program,\nthe collection of amounts due by our assignees, service providers, or agents and the manner of collection.\n4. However, we will not require you to arbitrate any individual case in small claims court or your state\xe2\x80\x99s equivalent court, so long as it remains an individual case in that\ncourt. Also, even if all parties have opted to litigate a claim in court, you or we may elect arbitration with respect to any claim made by a new party or any claim later\nasserted by a party in any related or unrelated lawsuit, including modifying an individual claim to assert a class, representative or multi-party claim. Arbitration may\nbe requested at any time, even where there is a pending lawsuit, unless a trial has begun, or a final judgment entered.\n5. Only a court will decide disputes about the validity, enforceability, coverage or scope of this Arbitration section or any part thereof. However, any dispute that\nconcerns the validity or enforceability of the Agreement as a whole is for the arbitrator to decide.\n6. NO CLASS ACTIONS. IF EITHER YOU OR WE ELECT TO ARBITRATE A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT (A) TO PARTICIPATE IN\nA CLASS ACTION, PRIVATE ATTORNEY GENERAL ACTION OR OTHER REPRESENTATIVE ACTION IN COURT OR IN ARBITRATION, EITHER AS A CLASS\nREPRESENTATIVE OR CLASS MEMBER, OR (B) TO JOIN OR CONSOLIDATE CLAIMS WITH CLAIMS OF ANY OTHER PERSONS EXCEPT ACCOUNTHOLDERS\nON YOUR ACCOUNT. THUS, YOU MAY NOT BRING CLAIMS AGAINST US ON BEHALF OF ANY ACCOUNTHOLDER WHO IS NOT AN ACCOUNTHOLDER ON\nYOUR ACCOUNT, AND YOU AGREE THAT ONLY ACCOUNTHOLDERS ON YOUR ACCOUNT MAY BE JOINED IN A SINGLE ARBITRATION WITH ANY CLAIM\nYOU HAVE.\n7. PROCEDURES. The party who wants to arbitrate must notify the other party in writing. This notice can be given after the beginning of a lawsuit or in papers filed\nin the lawsuit. Otherwise, your notice must be sent to Synchrony Bank, Legal Operation, P.O. Box 29110, Shawnee Mission, KS 66201-5320, ATTN: ARBITRATION\nDEMAND. The party seeking arbitration must select either the American Arbitration Association (AAA), 120 Broadway, Floor 21, New York, NY 10271, www.adr.org,\nor JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, www.jamsadr.com, to administer the arbitration. If neither administrator can handle the dispute, a\ncourt with jurisdiction will appoint an arbitrator.\n8. The arbitration administrator will appoint the arbitrator and will tell the parties what to do next. The arbitrator must be a lawyer with at least ten years of legal\nexperience. The arbitrator must apply the same law, consistent with the Federal Arbitration Act (FAA), that would apply to an individual action in court, but may use\ndifferent procedural rules. The arbitrator will apply the same statutes of limitation and privileges that a court would apply if the matter were pending in court.\n9. The arbitrator may award any damages or other relief or remedies that would apply under applicable law to an individual action brought in court, including, without\nlimitation, punitive damages (governed by the Constitutional standards employed by the courts) and injunctive, equitable and declaratory relief (but only in favor of\nthe individual party seeking relief and only to the extent necessary to provide relief warranted by that party\xe2\x80\x99s individual claim). The parties will bear the fees and costs\nof their attorneys, witnesses and experts. However, the arbitrator will have the authority to award fees and costs of attorneys, witnesses and experts to the extent\npermitted by the Agreement, the administrator\xe2\x80\x99s rules or applicable law.\n10. The arbitration will take place by phone or at a location reasonably convenient to you. If you ask, we will pay all the fees the administrator or arbitrator charges\nif you cannot obtain a waiver of fees from the administrator and are acting in good faith. We will always pay arbitration costs required by the administrator\xe2\x80\x99s rules or\nthat are necessary for this Arbitration section to be enforced.\n11. GOVERNING LAW. This Arbitration section is governed by the FAA. Utah law shall apply to the extent state law is relevant under the FAA, unless otherwise\nstated herein. The arbitrator\xe2\x80\x99s award will be final and binding, except for any appeal right under the FAA. Any court with jurisdiction may enter judgment upon the\narbitrator\xe2\x80\x99s award. The arbitration award and any judgment confirming it will apply only to the specific case and cannot be used in any other case except to enforce\nthe award.\n12. SURVIVAL. This Arbitration section shall survive the repayment of all amounts owed, the termination, cancellation or suspension of the Agreement or your\naccount or credit privileges, any legal proceeding, and any bankruptcy by you, to the extent consistent with applicable bankruptcy law. If this Arbitration section\nconflicts with the applicable arbitration rules or the other provisions of the Agreement, this Arbitration section shall govern.\n13. SEVERABILITY. If any portion of this Arbitration section is held to be invalid or unenforceable, the remaining portions shall nevertheless remain in force with the\nfollowing two exceptions. First, if a determination is made that the \xe2\x80\x9cNo Class Actions\xe2\x80\x9d provision is unenforceable, and that determination is not reversed on appeal,\nthen this Arbitration section shall be void in its entirety. Second, if a court determines that a public injunctive relief claim may proceed notwithstanding the \xe2\x80\x9cNo Class\nActions\xe2\x80\x9d provision, and that determination is not reversed on appeal, then the public injunctive relief claim will be decided by a court, and any individual claims will be\narbitrated. The parties will ask the court to stay the public injunctive relief claim until the other claims have been finally concluded.\n14. HOW TO REJECT ARBITRATION. You may reject this Arbitration section. If you do that, a court will resolve any dispute or claim. To reject this section, send\nus a notice within 45 days after you open your account or we first provided you with your right to reject this section. The notice must include your name, address,\naccount number, and personal signature, and must be mailed to Synchrony Bank, P.O. Box 965012, Orlando, FL 32896-5012. This is the only way you can reject this\nsection. Rejecting this Arbitration section will not affect any other provision of the Agreement. It will also not affect any prior arbitration agreement or dispute resolution\nprovision between you and us, which will remain in full force and effect. If you don\xe2\x80\x99t reject this Arbitration section, it will be effective as of the date of the Agreement\nand will supersede any prior arbitration agreement between you and us that would otherwise be applicable.\n\nSECTION IV: OTHER IMPORTANT INFORMATION\nTECHRON ADVANTAGE VISA CARD ACCOUNT AGREEMENT\nThis section of the agreement includes state notices, billing rights summary and rewards terms (if applicable) and is not required to be provided as part of the credit card\nagreement posted online or provided to the CFPB.\n\nFR833282333 CHEVRON AND/OR TEXACO TECHRON ADVANTAGE VISA CARD\nT&C DC PDF WF2114779C\n6/20\n5\n\n\x0c'


b'Cardholder Agreement\nDefined Terms \xe2\x80\x93 The following terms have defined meanings in this agreement. \xe2\x80\x9cAccount\xe2\x80\x9d means the credit Account regulated by\nthis agreement, \xe2\x80\x9cCard\xe2\x80\x9d means the plastic cards issued under this agreement, including the numbers printed on these plastic cards;\n\xe2\x80\x9cwe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d, and \xe2\x80\x9cour\xe2\x80\x9d mean the financial institution appearing on the face of a Card; \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean anyone who signs an\napplication for this Account or is a guarantor of this Account, or who otherwise uses or authorizes use of the Card or the Account;\nand \xe2\x80\x9cApproval Letter\xe2\x80\x9d means our letter to you approving your application and describing some of the terms of the Account (the\n\xe2\x80\x9cApproval Letter\xe2\x80\x9d which is part of the agreement).\nBy signing, using or activating a Card, you accept the terms and conditions of this agreement and of the Approval Letter. If any\nprovision of this agreement is determined to be unlawful, the rest of the agreement will stand and the unlawful provision will be\ndeemed amended to conform to applicable law. All Cards are our property and must be returned to us immediately according to\nour instructions, and we may repossess a Card at any time in our sole discretion.\nMilitary Lending Act Disclosures Statement \xe2\x80\x93 Federal law provides important protections to Members of the Armed Forces and\ntheir dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a Member of the Armed\nForces and his or her dependent may not exceed an annual percentage rate of 36 percent (36%). This rate must include, as\napplicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold\nin connection with the credit transaction; any application fee charged (other than certain application fees for specified credit\ntransactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).\nPlease call us at (800) 221-3311 to receive disclosures orally.\n1.\n\nPromise to Pay \xe2\x80\x93 You agree to pay us the total amount of purchases, cash advances, finance charges or other fees or charges\nwhich arise from use of a Card by you or any other person, unless the other person does not have actual, implied, or apparent\nauthority for such use and you receive no personal benefit from the use. You agree to be jointly and severally liable with\nanyone else who has made the same promise.\n\n2.\n\nCredit Limit \xe2\x80\x93 Your credit limit is stated on the credit card carrier, as well as on your monthly statement. You promise to make\npurchases and cash advances only up to your credit limit. Your promise to pay continues to apply even if the amount due\nexceeds your credit limit. Obtaining credit in excess of your credit limit does not increase your credit limit. We can change your\ncredit limit at any time to any amount (including zero). We will state the new credit limit on your next monthly statement.\n\n3.\n\nPurchases and Cash Advances \xe2\x80\x93 You may use your card, up to your credit limit, to buy or lease goods, services or insurance\nwherever the Card is honored. You may also use your Card to get a cash advance from participating financial institutions.\nHowever, you agree not to use your Card for any transaction that is illegal under applicable federal, state or local law, and you\nunderstand that any such use will constitute an event of default under this agreement. We are not responsible for the refusal of\nanyone to honor your Card.\n\n4.\n\nMonthly Statements \xe2\x80\x93 We will send you a statement at the end of each billing cycle in which the Account has a balance. The\ndue date for your payment will be twenty-five (25) days after the last day covered by the statement.\n\n5.\n\nPayments \xe2\x80\x93 You agree to make the minimum monthly payments that are described in the Approval Letter, and to make all\npayments on this Account at the address specified on your monthly statement. We may accept late payments, partial\npayments, post-dated checks, or any form of payment containing a restrictive endorsement, without losing any of our rights\nunder this agreement. Our acceptance of checks or money orders labeled \xe2\x80\x9cpayment in full\xe2\x80\x9d or words to that effect, will not\nconstitute an accord and satisfaction nor a waiver of any rights we have to receive full payment. Payments on your Account\nthat exceed the minimum payment due will be allocated first to the Account balance with the highest APR, and then to each\nconsecutive Account balance bearing the next highest APR, at the time payment is posted to your Account. Payments on your\nAccount that do not exceed the minimum payment due will be applied in the following order: finance charges, fees, any\napplicable installment balance minimum amount due that is calculated separately from the minimum payment due, the Account\nbalance with the lowest APR, then to each consecutive Account balance bearing the next lowest APR at the time payment is\nposted to your Account.\n\n6.\n\nBalance Computation Method \xe2\x80\x93 We figure the interest charge on your Account by applying the periodic rate, as stated in the\nenclosed disclosure table, to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of your account. To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d we take the\nbeginning balance of your account each day, add any new purchases/advances/fees, and subtract any unpaid interest or other\nfinance charges and any payments or credits. This gives us the daily balance. Then, we add up all the daily balances for the\nbilling cycle and divide the total by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d.\n\n10/17\nLS9136\n\n\x0c7.\n\nCash Advance Fee \xe2\x80\x93 Cash advances are subject to the cash advance fee stated in the enclosed disclosure table. The cash\nadvance fee is a finance charge and is imposed on the date of the cash advance. Interest does not accumulate on this fee. The\nfollowing transactions will be treated as cash advances:\nA.\nB.\nC.\nD.\nE.\n\nUsing your Card to obtain cash from a participating Automated Teller Machine (\xe2\x80\x9cATM\xe2\x80\x9d);\nUsing your Card to obtain cash from a participating financial institution;\nUsing a convenience check drawn on the Account;\nObtaining money orders, travelers checks, foreign currency, lottery tickets, casino chips, vouchers redeemable for cash\nor similar items;\nBalance transfers, if identified as cash advances on your Approval Letter\n\n8.\n\nAnnual Fee \xe2\x80\x93 The annual fee, if there is one on the Account, is stated in the enclosed disclosure table. The annual fee is payable\nwhether or not you use the Card.\n\n9.\n\nLiability for Unauthorized Use \xe2\x80\x93 If you notice the loss or theft of your Card or a possible unauthorized use of your Card or\nAccount, you should write to us immediately at: P.O. Box 10409, Des Moines, IA 50306-0409, or call us at 1-800-234-5354. You\nwill not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use\nthat occurs before your notice to us. However, if you exercise reasonable care in safeguarding your card from risk of loss or\ntheft and, upon discovering the loss or theft promptly report the loss or theft to us, you will not be liable for any unauthorized\ntransactions. In any case, your liability will not exceed $50.\n\n10. Default \xe2\x80\x93 You will be in default if you fail to make any minimum payment or other required payment by the date that it is due.\nYou also will be in default if you violate any other provision of this agreement and such violation materially impairs the prospect\nof you paying the amount due on the Account. Upon default, we may demand immediate payment of the entire amount due on\nthe Account and we may enforce our right to this payment as permitted by law.\n11. International Transactions \xe2\x80\x93 When you use your Card for a transaction denominated in a currency other than U.S. dollars, the\ntransaction amount will be converted into U.S. dollars by applying an exchange rate selected by the Card Association from\namong the range of rates available in wholesale currency markets or the government-mandated rate on the date the\ntransaction is processed. The rate chosen may vary from the rate the Card Association itself receives. When you use your Card\nin a transaction outside of the United States to make a purchase, obtain a cash advance, obtain a credit voucher, or reverse any\nof these transactions, a finance charge equal to one percent (1%) of the amount of the transaction (expressed as a positive\nnumber) will be assessed against your Account. The foreign transaction fee is imposed on the date of the transaction. Interest\ndoes not accrue on the foreign transaction fee. \xe2\x80\x9cCard Association\xe2\x80\x9d means either VISA International or MasterCard International.\n12. Credit Reporting \xe2\x80\x93 You authorize us to obtain credit reports on you when opening, renewing or reviewing your Account, and\nyou authorize us to disclose information regarding your Account to credit bureaus and other creditors who may inquire of us\nabout your credit standing. If you think we reported erroneous information to a credit reporting agency, write us at the\nCardmember Service address on your billing statement. We will promptly investigate the matter and, if we agree with you, we\nwill contact each credit reporting agency to which we reported and request a correction. If, after our investigation, we disagree\nwith you, we will tell you in writing or by telephone how to submit a statement to those agencies for inclusion in your credit\nreport.\n13. Other Fees \xe2\x80\x93 The following charges will be charged to your Account as appropriate:\nA. Late and Returned Payment Fees. The following charges may be imposed, if applicable:\n\xef\x82\xb7 Late Payment Fee. A late payment fee, in the amount indicated in the enclosed disclosure table, may be imposed if\nthe required minimum payment due is not received by the due date listed on the monthly periodic statement.\n\xef\x82\xb7 Returned Payment Fee. A returned payment fee, in the amount indicated in the enclosed disclosure table, may be\nimposed if your payment is returned for any reason.\nB. Replacement Cards, Copies, and Special Services. We may charge you a reasonable fee for issuing replacement cards,\nexpediting delivery of your card, an expedited payment method using a service representative, providing photocopies\nand reprints that you request, and other special services as allowed by law.\n14. Amendments \xe2\x80\x93 We may amend or cancel this agreement at any time by getting your consent as provided by law or by giving\nyou a notice of the amendments. Cards are property of the Financial Institution and must be returned at our request.\n\n10/17\nLS9136\n\n\x0cYOUR BILLING RIGHTS:\nKEEP THIS DOCUMENT FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at:\nMember Services\nP.O. Box 10409\nDes Moines, IA 50306-0409\nIn your letter, give us the following information:\n\xef\x82\xb7 Account information: Your name and account number.\n\xef\x82\xb7 Dollar amount: The dollar amount of the suspected error.\n\xef\x82\xb7 Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a\nmistake.\nYou must contact us:\n\xef\x82\xb7 Within 60 days after the error appeared on your statement.\n\xef\x82\xb7 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is\nwrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential\nerrors and you may have to pay the amount in question.\n\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already\ncorrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xef\x82\xb7 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xef\x82\xb7 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xef\x82\xb7 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xef\x82\xb7 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xef\x82\xb7 If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\n\xef\x82\xb7 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees.\nWe will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if\nyou do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to\npay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you\nthe name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been\nsettled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.\n\n10/17\nLS9136\n\n\x0cYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card and you have tried in good faith to\ncorrect the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase\nprice must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement\nwe mailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that\naccesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:\nMember Services\nP.O. Box 10409\nDes Moines, IA 50306-0409\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell\nyou our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\n10/17\nLS9136\n\n\x0c'