b'FR833282333_VENMO VISA SIGNATURE\xc2\xae CREDIT CARD\nTC DC SIG PDF WF1999944D, WF1999944E, WF1999944F\n9/2020\n\nSYNCHRONY BANK\nVENMO VISA SIGNATURE\xc2\xae CREDIT CARD ACCOUNT AGREEMENT\nRATES AND FEES TABLE\n\nINTEREST RATES AND INTEREST CHARGES\nAnnual Percentage\nRate (APR) for\nPurchases\n\nThe APR for purchases is the prime rate plus (i) 11.99% for Account Type 1, (ii) 17.99% for Account\nType 2, or (iii) 20.99% for Account Type 3.\n\nAPR for Cash\nAdvances\n\nThe APR for cash advances is the prime rate plus 20.99%.\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 $2.00.\n\nThis APR will vary with the market based on the Prime Rate.\nThis APR will vary with the market based on the Prime Rate.\n\nFEES\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Cash Advances\n\xe2\x80\xa2 Foreign Transaction\n\nEither $10.00 or 5% of the amount of each cash advance, whichever is greater.\nNone\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\n\nUp to $40.00.\nUp to $29.00.\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cdaily balance.\xe2\x80\x9d See the Agreement for more details.\n\nTYPES OF TRANSACTIONS\nYou may use your account to make purchases from a merchant at a website, by telephone, or at another authorized location. You may also use your account to get cash\nadvances. These types of transactions are further explained below.\nPurchases. Purchases are transactions for goods and services that are not otherwise subject to promotional repayment terms and/or APRs. When this account is used to send\nmoney to another Venmo user through your Venmo account, the transaction will be treated as a purchase in accordance with the terms of this Agreement.\nCash Advances. You can get cash or make a withdrawal from any institution or ATM that accepts the Physical Card (hereinafter defined). In addition, we will treat any\npurchase 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 wire transfers,\nforeign currency or other in bank transactions, tax payments, lottery tickets or other legalized gambling transactions, court costs, bail bonds and fines.\nAt times, we may offer promotional financing for certain purchases, and the terms of this Agreement apply to any promotional financing. Regular account terms apply to\nnon-promotional purchases, including when using the account to send money to a user, and, after the promotion ends, to promotional purchases. Promotional offers\nmay not be available at all times for all purchases. Please see any promotional advertising or other disclosures provided to you for the full terms of any promotional offer.\nOffers may be subject to credit approval.\n\nRATES, FEES AND PAYMENT INFORMATION\nRATES\n\nYou agree to pay interest on the outstanding balance of this account until paid in full, as applicable. Interest may be calculated differently depending on the type of transaction.\n\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\n1/365. Interest will be imposed in amounts or at rates not in excess of those permitted by applicable law.\nFor Account Type 1:\nThe APR for purchases is the prime rate plus 11.99%. As of August 1, 2020, the daily rate for purchases was .04176%\n(APR 15.24%).\nThe APR for cash advances is the prime rate plus 20.99%. As of August 1, 2020, the daily rate for cash advances was .06642%\n(APR 24.24%).\n\n1\n\n\x0cYour Interest Rate\n(Continued)\n\nFor Account Type 2:\nThe APR for purchases is the prime rate plus 17.99%. As of August 1, 2020, the daily rate for purchases was .05820%\n(APR 21.24%).\nThe APR for cash advances is the prime rate plus 20.99%. As of August 1, 2020, the daily rate for cash advances was .06642%\n(APR 24.24%).\nFor Account Type 3:\nThe APR for purchases is the prime rate plus 20.99%. As of August 1, 2020, the daily rate for purchases was .06642%\n(APR 24.24%).\nThe APR for cash advances is the prime rate plus 20.99%. As of August 1, 2020, the daily rate for cash advances was .06642%\n(APR 24.24%).\nHowever, if we have disclosed a promotional rate at the time we made a promotional offer, we will calculate interest on balances subject\nto that promotional offer using the applicable promotional financing rate.\nDaily Rates May Vary. The APRs and the daily rates on your account vary with the market based on the prime rate. The prime rate for\na billing cycle is the highest bank prime loan rate published in The Wall Street Journal in its Money Rates section on the last business day\nof the calendar month preceding the first day of the billing cycle.\nIf the prime rate increases, the daily rates and APRs will increase. As a result, interest, your total minimum payment and the number of\npayments it would take you to pay off your account balance may increase. We apply any change in rates because of a prime rate change\nto your entire account balance. A change in the prime rate will take effect on the first day of the first billing cycle after the change. We\nmay select a new interest rate index if the prime rate is not available.\n\nWhen We Charge\nInterest\n\nPurchases. Generally, we charge interest on your purchases from the date you make the purchase until you pay the purchase\nin full. See 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. 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\nbilling cycle.\nCash Advances. We charge interest on your cash advances, and their related fees, from the date you make the transaction until\nyou pay them in full. You cannot avoid paying interest on cash advances or their related fees.\n\nHow We Calculate\nInterest\n\nWe calculate interest 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,\ncash advances, 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 for each balance type each day, add any new charges and fees,\nand subtract any payments or credits. This gives us the daily balance.\nWe apply fees to balance types as follows:\n(a) late payment fees and returned payment fees are treated as new purchases; and,\n(b) 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 (step 2) to the daily balance (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\nbilling cycle for all the balance types, to get the interest for the account.\nWe charge a minimum of $2.00 of interest in any billing cycle in which you owe interest. This charge is added proportionately for\neach balance type.\n\nFEES\nYou agree to pay the following fees, as applicable:\n\nCash Advance Fee\n\nWe will charge this fee for each cash advance you make. This fee is in addition to any fee the ATM owner may charge you for\nuse of the ATM. This fee is equal to either $10.00 or 5% of the amount of each cash advance, whichever is greater.\n\nForeign\nTransaction Fee\n\nWe will not charge you a foreign transaction fee.\n\nLate Payment Fee\n\nWe will charge this fee for each billing cycle in which we do not receive the minimum payment due on your account on the due\ndate in accordance with the requirements set forth on each billing statement. This fee is equal to:\n1. $29, if you have paid your minimum payment due by the due date in each of the prior six billing cycles; OR\n2. $40, if you have failed to pay your 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 minimum payment that was due.\n\nReturned Payment Fee\n\nWe will charge this fee if any check, other instrument, or electronic payment authorization you provide us in payment on your\naccount, is not honored, returned unpaid, or cannot be processed for any reason. This fee is equal to $29. The returned payment\nfee will not be more than the amount permitted by applicable law.\n\n2\n\n\x0cMINIMUM PAYMENT CALCULATION\nYour total minimum payment is calculated as follows.\nThe greater of:\n1. $29, or $40 (which includes any past due amounts), if you have failed to pay the minimum payment due by the due date in any one or more of the prior six\nbilling cycles.\nOR\n2. The sum of any past due amounts, plus 1% of your new balance shown on your billing statement (excluding any balance in connection with a special promotional\npurchase with a unique payment calculation), plus interest charged in the current billing cycle, plus late payment fees charged in the current billing cycle, plus any\npayment 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 to, but may be included in, the $29 or $40 minimum\namount otherwise due.\n\nSTANDARD PROVISIONS\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 Venmo open-end (revolving) credit\ncard account that is the subject of this Agreement. By opening or using your account, you agree to the terms of the entire Agreement. The entire Agreement includes\nthis document, including any amendment or addendum thereto, and the application you submitted in connection with the account. These documents replace any other\nagreement relating to your account that you or we made earlier or at the same time.\nParties To This Agreement. The person who applied for, opened and/or uses the account may be referred to as \xe2\x80\x9cyou\xe2\x80\x9d or \xe2\x80\x9cyour.\xe2\x80\x9d The Lender, Synchrony Bank, may be\nreferred to as \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d or \xe2\x80\x9cour.\xe2\x80\x9d PayPal, Inc., located in San Jose, California, is a payment service provider that consumers and merchants use to make payments to\nand accept payments from third parties, and is another entity contemplated by this Agreement. Venmo is a service of PayPal, Inc.\nChanges To This Agreement. We may change, add or delete terms of this Agreement, including interest rates, fees and charges.\nPromotional Financing Offers. The terms of this Agreement apply to any promotional financing offer. However, any promotional financing terms that are different than\nthe terms in this Agreement will be explained on promotional advertising or other disclosures provided to you.\n\nHOW TO USE YOUR ACCOUNT\nUse Of Your Account. You may use your account only for lawful personal, family or household purposes. You may use your account for purchases through Venmo or from any\nmerchant that accepts Visa credit cards; you may also use your account for cash advances. You may use your account for the types of transactions explained in this Agreement.\nYou may not use your account to pay amounts you owe us on this account or any other account you have with us. We may charge your account for purchases and cash advances\nyou or anyone to whom you have given permission to use this account make.\nYou Promise To Pay. You promise to pay us for all amounts owed to us under this Agreement.\nYour Responsibility. At the time your account is created, you will receive at least one virtual card (\xe2\x80\x9cVirtual Card\xe2\x80\x9d). An account number also will be assigned to your Venmo wallet,\nand may only be used for wallet transactions. You will subsequently receive a physical card (\xe2\x80\x9cPhysical Card\xe2\x80\x9d), which will require activation before use. The Virtual Card and Physical\nCard may collectively be referred to as \xe2\x80\x9cCards.\xe2\x80\x9d You are responsible for maintaining the security of your Cards and any other authentication credentials used in connection with\nyour account.\nYou may not allow anyone else to use your account. If you do, 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 any type of transactions you can make in any particular amount of time. We also may\ndecline any particular charge on your account for any reason.\nCredit Limit. At the time your account is created, you will be assigned a credit limit (which may also be referred to as a credit line), which is the dollar amount of credit available\nfor you to borrow on your account of at least $250, and a cash advance limit, which is a portion of your credit limit. You may have a temporary credit limit when provided with the\nVirtual Card, that will be adjusted to your full credit limit upon activation of your Physical Card. If we approve a transaction that makes you go over your credit limit, or cash advance\nlimit, we do not give up any rights under this Agreement and we do not treat it as an increase in your credit limit or cash advance limit. We may, from time to time, increase or\ndecrease your credit limit and/or cash advance limit, including after approval of such a transaction.\nTransactions in Foreign Currencies. If 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 non-U.S. dollar transaction amount is\nconverted into a U.S. dollar amount by multiplying the transaction amount in the non-U.S. dollar currency by a currency conversion rate. Currently, Visa operating regulations\nprovide that the currency conversion rate is either (1) a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing\ndate, which rate may vary from the rate Visa itself receives, or (2) the government-mandated rate in effect for the applicable central processing date. The currency conversion rate\nthat is in effect on the central processing date may differ from the rate in effect on the transaction date or the posting date, and may be higher than the rate you could have gotten\nif you had converted U.S. dollars into the foreign currency.\n\nHOW AND WHEN TO MAKE PAYMENTS\nWhen Payments Are Due. You must pay at least the minimum payment due on your account by the due date of each billing cycle in accordance with the requirements set forth\non each billing statement. Payments received after the due date 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\nadditional charge for prepayment. 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\nyour account in the amount of your payment even though we will credit your payment when we receive it.\nPayment Options. You can pay by using the Venmo app, by mail, or by phone.Your payment must be made in U.S. dollars from the balance in your Venmo account, or\nby 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 delayed up\nto 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 excess of the required total\nminimum payment will be applied to higher APR balances before lower APR balances. Applicable law may require or permit us to apply excess payments in a different manner in certain situations,\nsuch as when your account has a certain type of special promotion.\n\n3\n\n\x0cINFORMATION ABOUT YOU\nUsing and Sharing Your Information. When you applied for an account, you gave us and PayPal, Inc. information about yourself that we could share with each other. PayPal, Inc.\nwill use the information in connection with the credit program and for things like creating and updating its records and offering you special benefits. By making a purchase or requesting a\ncash advance, you authorize us to share your personal information (including email address) in order to verify your identity, make a credit decision, complete your transaction, service your\naccount, and for any other lawful purpose as set forth in the privacy policy for your account. You authorize merchants you transact with to share your personal information, including email\naddress, with the Lender to use it for any lawful purpose.\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 also agree\nto tell us right away if you change your address (mailing or email) or any phone number.\nConsent to Communications. You consent to us and PayPal, Inc., 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 phone numbers\nthat you provide to us to contact your cellular phone or wireless device with text messages, artificial or prerecorded voice calls, and calls made by an automatic telephone dialing\nsystem. Text frequency may vary and may be recurring. This consent applies even if you are charged for the call under your plan. You are responsible for any charges that may\nbe billed to you by your communications carrier when we contact you. Message and data rates may vary. We and any carrier are not liable for delayed or undelivered messages.\nTelephone Monitoring. For quality control, you allow us and/or PayPal, Inc. to listen to and/or record telephone calls between you and us or PayPal, Inc.\nEmails. You consent to us and/or PayPal, Inc. emailing you for any lawful purpose, including marketing.\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 may\nclose your account at any time, for any reason, including if your Venmo account is closed. If your account is closed, you must stop using it. You must still pay the full\namount you owe 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 include court costs\nand 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 account may be\nshown in your credit report. Please be advised that the account number listed on your credit report associated with your Venmo Credit Card account is a master account\nnumber and may not match the number shown on your Cards or other account features. Tell us if you think we reported wrong information about you to a credit bureau.\nWrite to us at P.O. Box 965015, Orlando, 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\nincludes the wrong information, 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 or upon your death,\nwe 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 this Agreement describes what to do if you think there is a mistake on your bill. If you send us correspondence\nabout a disputed amount or payment, you must send it to the address for billing inquiries. We do not give up any rights under this Agreement if we accept a\npayment marked \xe2\x80\x9cpayment in full\xe2\x80\x9d or given with any other conditions or limitations.\nOpening and Maintaining Your Account. You are not required to apply for and/or have a Venmo Credit Card account in order to have a Venmo account. However,\nin order to apply for and maintain a Venmo Credit Card account, you must have an open Venmo account that is in good standing and that has been opened for at least\nthirty (30) calendar days prior to application. If you choose to close your Venmo account, your Venmo Credit Card Account will be closed. However, if your Venmo Credit\nCard account has a balance, you cannot close your Venmo account until the balance on such Venmo Credit Card account has been paid off.\nUnauthorized Use. If your Card is lost, stolen or if your account is used without your consent, call us immediately at 1-855-878-6462. You will not be liable for\nunauthorized use on your account, but you will be responsible for all use by anyone you 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 to\ngive you prior notice of such action. Any person, company, or bank to whom we assign this Agreement shall be entitled to all of our rights under this Agreement. None\nof your rights or obligations shall be affected by such assignment. 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 extent\nstate 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\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 BE\nAVAILABLE; 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, and PayPal, Inc. and its affiliates) that directly or indirectly\narises from or relates to your account, your account Agreement or our relationship, except as noted below. In addition, any assignee, agent, or service provider\nof ours 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\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 reward\nprogram, 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 claim\nlater asserted by a party in any related or unrelated lawsuit, including modifying an individual claim to assert a class, representative or multi-party claim. Arbitration\nmay be requested at any time, even where there is a pending lawsuit, unless a trial has begun, or a final judgment entered.\n4\n\n\x0c5. 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\npapers filed in 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 either the American Arbitration Association (AAA), 120 Broadway, Floor 21,\nNew York, NY 10271, www.adr.org, or JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, www.jamsadr.com, to administer the arbitration.\nIf neither administrator can 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 you\ncannot 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 that are\nnecessary 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 account\nor credit privileges, any legal proceeding, and any bankruptcy by you, to the extent consistent with applicable bankruptcy law. If this Arbitration section conflicts\nwith 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\nbe arbitrated. 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\nthis section. Rejecting this Arbitration section will not affect any other provision of the Agreement. It will also not affect any prior arbitration agreement or dispute\nresolution 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 date of the\nAgreement and will supersede any prior arbitration agreement between you and us that would otherwise be applicable.\n\nOTHER IMPORTANT INFORMATION\nVENMO VISA SIGNATURE\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 the credit card\nagreement posted online or provided to the CFPB.\n\n5\n\nFR833282333_VENMO VISA SIGNATURE\xc2\xae CREDIT CARD\nTC DC SIG PDF WF1999944D, WF1999944E, WF1999944F\n9/2020\n\n\x0c'


b"FR833282333_GOOGLE STORE FINANCING CREDIT CARD\nTC PLCC PDF WF1419227A\n10/19\n\nSYNCHRONY BANK\nSECTION I: RATES AND FEES TABLE\nGOOGLE STORE FINANCING CREDIT CARD ACCOUNT AGREEMENT\nPRICING INFORMATION\nInterest Rates and Interest Charges\nAnnual Percentage\nRate (APR) for Phone\nPurchases\n\n0.00%\n\nAPR for All Other\nPurchases\n\n29.99%\n\nHow To Avoid Paying\nInterest\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 $2.00.\n\nFees\nPenalty Fees\nl\n\nLate 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\nbelow for more details.\n\n1\n\n\x0cSECTION II: RATES, FEES AND PAYMENT INFORMATION\nGOOGLE STORE FINANCING CREDIT 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 for purchases\nis the APR times 1/365. Interest will be imposed in amounts or at rates not in excess of those permitted by\napplicable law.\nThe daily rate for Phone Purchases, as defined below, is 0.00000% (APR 0.00%).\nThe daily rate for All Other Purchases, that do not include a Phone Purchase, is .08217% (APR 29.99%).\nA Phone Purchase is any purchase made with your account at the Google Store that includes a phone in the\nreceipt, and all other items purchased in the same sales transaction, whether or not those items would have\notherwise qualified for a promotional purchase.\nAll Other Purchases may be referred to as Regular Purchases in your billing statement.\nUnless otherwise qualified, the term purchases, as used in this Agreement, includes Phone Purchases and All\nOther Purchases.\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.\nl\n\nWe 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\nbilling cycle.\n\nl\n\nWe will credit, as of the start of the billing cycle, any payment you make by the due date that we allocate\nto 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\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 daily\nrate to the daily balance for each day in the billing cycle. A separate daily balance is calculated for the following\nbalance types, as applicable: Phone Purchases, All Other Purchases and balances subject to different interest\nrates, 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,\nand subtract any payments or credits. This gives us the daily balance. Late payment fees are treated as\nnew All Other Purchases.\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\nbalance from step 1.\n4. How 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 $2.00 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. $28, if you have paid your total minimum payment due by the due date in each of the prior six billing\ncycles.\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\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. $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\nprior six billing cycles.\nOR\n2. The sum of:\na. Any past due amounts; PLUS\nb. 1% of your new balance shown on your billing statement (excluding any Phone Purchase balance and any balance in connection with a special\npromotional purchase with a unique payment calculation); 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, including but not limited to any payments\nrequired for Equal Pay Financing offers; PLUS\nf. 1/6th of each Phone Purchase balance, or such other amount we may offer you at times in connection with a Phone Purchase, rounded to the\nwhole cent\nWe round up to the next highest whole dollar in figuring your total minimum payment, except as stated above for Phone Purchases. Your total minimum\npayment will never be more than your new balance. Payments required for Phone Purchases and payments in connection with a special promotional purchase\nwith a unique payment calculation, including Equal Pay Financing promotional purchases, will not be increased to, but may be included in the $28 or $39\nminimum amount otherwise due.\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 this Agreement apply to any special\npromotion. However, any special promotional terms that are different than the terms in this Agreement and any qualifying purchase requirements will be explained\non promotional advertising or other disclosures provided to you. All offers are subject to credit approval. These promotional offers may not be available at all\ntimes for all purchases. Below is a description of certain special promotions that may be offered.\n0% APR Promotions with Equal Monthly Payments (Equal Pay Financing)\nWhen you make a qualifying purchase under an Equal Pay Financing promotion, no interest will be charged on your promotional purchase and equal monthly\npayments are required equal to the total promotional purchase amount divided equally by the number of months in the promotional period until the promotional\npurchase is paid in full. The equal monthly payment will be rounded to the whole cent and may be higher or lower than the minimum payment that would be\nrequired if the purchase was a non-promotional purchase. For example, if you make a $1,000 purchase that qualifies for an Equal Pay Financing offer, your\nrequired equal monthly payments will be $41.67. Alternatively, if you make a $400 purchase that qualifies for an Equal Pay Financing offer, your required equal\nmonthly payments will be only $16.67, and will not be increased to the $28 or $39 minimum monthly payment that would be otherwise due.\nDeferred Interest Promotions with Minimum Monthly Payments\nl\n\nNo Interest if Paid in Full Within 6 Months\n\nl\n\nNo Interest if Paid in Full Within 12 Months\n\nFor each promotion, if the promotional balance is not paid in full within the promotional period,\ninterest will be imposed from the date of purchase at the Purchase APR that applies to your\naccount when the promotional purchase is made.\nAt the time your account is opened, the Purchase APR is 29.99%.\n\nWhen you make a qualifying purchase under a Deferred Interest promotion, no interest will be charged on the promotional purchase if you pay the promotional\npurchase in full within the applicable promotional period. If you do not, interest will be assessed on the promotional purchase from the purchase date. Minimum\nmonthly payments are required. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional purchases.\n\n3\n\n\x0cSECTION III: STANDARD PROVISIONS\nGOOGLE STORE FINANCING 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 account\nshown above. By opening or using your account, you agree to the terms of the entire Agreement. The entire Agreement includes the four sections of\nthis document and the application you submitted to us in connection with the account. These documents replace any other agreement relating to your\naccount 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\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\nterms in this Agreement will be explained on promotional advertising or other disclosures provided to you.\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 Google-branded sites such as Google Store and Google Shopping.\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.\nPurchase 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 that we may increase or decrease from time to time. If we approve a purchase that makes you go over\nyour credit limit, we do not give up any rights under this Agreement and we do not treat it as an increase in your credit limit.\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 or online. We may allow you to make payments over the phone but we will charge you a fee to make expedited\nphone payments. Your payment must be made in U.S. dollars by physical or electronic check, money order or a similar instrument from a bank located\nin 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.\nINFORMATION ABOUT YOU\nUsing And Sharing Your Information. When you applied for an account, you gave us and Google, Inc. information about yourself that we could share\nwith each other. Google, Inc. will use the information in connection with the credit program and for things like creating and updating its records and\noffering 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\nare charged 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\nyou. Message and data rates may vary. We and any carrier are not liable for delayed or undelivered messages. If you have questions, please call the\nnumber 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.\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\nyou owe 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.\n\n4\n\n\x0cCredit Bureau Reporting. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on\nyour account 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.\nBox 965024, Orlando, 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\nincludes the wrong information, 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\nany 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\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 1-866-794-8802. 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.\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\nin another situation.\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\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.\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\nany other user of your account), and us (including our parents, affiliates, agents, employees, officers, and assignees) that directly or indirectly arises\nfrom or relates to your account, your account Agreement or our relationship, except as noted below. In addition, Google, Inc. and/or any assignee,\nagent, or service provider of ours that collects amounts due on your account are intended beneficiaries of this Arbitration section and may enforce\nit 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,\nstatute, regulation, ordinance, common law and equity and claims for money damages and injunctive or declaratory relief, even if they arose before\nthis section took effect. 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\nAgreement (such as any disclosures, advertisements, promotions or oral or written statements, warranties or representations made by us), an\napplication for or denial of credit, any product or service provided by us or third parties in connection with the Agreement, credit reporting, benefit\nprograms related to your account including any reward program, the collection of amounts due by our assignees, service providers, or agents\nand 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\nindividual case in that court. Also, even if all parties have opted to litigate a claim in court, you or we may elect arbitration with respect to any\nclaim made by a new party or any claim later asserted by a party in any related or unrelated lawsuit, including modifying an individual claim to\nassert a class, representative or multi-party claim. Arbitration may be requested at any time, even where there is a pending lawsuit, unless a trial\nhas 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\ndispute that concerns 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\nPARTICIPATE IN A CLASS ACTION, PRIVATE ATTORNEY GENERAL ACTION OR OTHER REPRESENTATIVE ACTION IN COURT OR IN\nARBITRATION, EITHER AS A CLASS REPRESENTATIVE OR CLASS MEMBER, OR (B) TO JOIN OR CONSOLIDATE CLAIMS WITH CLAIMS OF\nANY OTHER PERSONS EXCEPT ACCOUNTHOLDERS ON YOUR ACCOUNT. THUS, YOU MAY NOT BRING CLAIMS AGAINST US ON BEHALF\nOF ANY ACCOUNTHOLDER WHO IS NOT AN ACCOUNTHOLDER ON YOUR ACCOUNT, AND YOU AGREE THAT ONLY ACCOUNTHOLDERS\nON YOUR ACCOUNT MAY BE JOINED IN A SINGLE ARBITRATION WITH ANY CLAIM 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\nor in papers filed in the lawsuit. Otherwise, your notice must be sent to Synchrony Bank, Legal Operation, P.O. Box 29110, Shawnee Mission,\nKS 66201-5320, ATTN: ARBITRATION DEMAND. The party seeking arbitration must select either the American Arbitration Association (AAA), 120\nBroadway, Floor 21, New York, NY 10271, www.adr.org, or JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, www.jamsadr.com, to\nadminister the arbitration. If neither administrator can 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\nof legal experience. The arbitrator must apply the same law, consistent with the Federal Arbitration Act (FAA), that would apply to an individual\naction in court, but may use different procedural rules. The arbitrator will apply the same statutes of limitation and privileges that a court would\napply 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,\nincluding, without limitation, punitive damages (governed by the Constitutional standards employed by the courts) and injunctive, equitable and\ndeclaratory relief (but only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party\xe2\x80\x99s\nindividual claim). The parties will bear the fees and costs of their attorneys, witnesses and experts. However, the arbitrator will have the authority\nto award fees and costs of attorneys, witnesses and experts to the extent 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\narbitrator charges if you cannot obtain a waiver of fees from the administrator and are acting in good faith. We will always pay arbitration costs\nrequired by the administrator\xe2\x80\x99s rules or 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\notherwise stated 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\nenter judgment upon the arbitrator\xe2\x80\x99s award. The arbitration award and any judgment confirming it will apply only to the specific case and cannot\nbe used in any other case except to enforce the award.\n\n5\n\n\x0c12. SURVIVAL. This Arbitration section shall survive the repayment of all amounts owed, the termination, cancellation or suspension of the Agreement\nor your account or credit privileges, any legal proceeding, and any bankruptcy by you, to the extent consistent with applicable bankruptcy law. If\nthis Arbitration section conflicts 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\nin force with the following two exceptions. First, if a determination is made that the \xe2\x80\x9cNo Class Actions\xe2\x80\x9d provision is unenforceable, and that\ndetermination is not reversed on appeal, then this Arbitration section shall be void in its entirety. Second, if a court determines that a public injunctive\nrelief claim may proceed notwithstanding the \xe2\x80\x9cNo Class Actions\xe2\x80\x9d provision, and that determination is not reversed on appeal, then the public\ninjunctive relief claim will be decided by a court, and any individual claims will be arbitrated. The parties will ask the court to stay the public injunctive\nrelief 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\nsection, send us 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\ninclude your name, address, account number, and personal signature, and must be mailed to Synchrony Bank, P.O. Box 965012, Orlando, FL\n32896-5012. This is the only way you can reject this section. Rejecting this Arbitration section will not affect any other provision of the Agreement.\nIt will also not affect any prior arbitration agreement or dispute resolution provision between you and us, which will remain in full force and effect.\nIf you don't reject this Arbitration section, it will be effective as of the date of the Agreement and will supersede any prior arbitration agreement\nbetween you and us that would otherwise be applicable.\n\nSECTION IV: OTHER IMPORTANT INFORMATION\nGOOGLE STORE FINANCING 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 the\ncredit card agreement posted online or provided to the CFPB.\n\nFR833282333_GOOGLE STORE FINANCING CREDIT CARD\nTC PLCC PDF WF1419227A\n10/19\n6\n\n\x0c"


b'FR833282333_SYNCHRONY PREMIER WORLD MASTERCARD\nT&C DC PDF WF3114108G, WF3114108H, WF3114108J\n6/2021\n\nSYNCHRONY BANK\nSECTION I: RATES AND FEES TABLE\nSYNCHRONY PREMIER WORLD MASTERCARD\xc2\xae ACCOUNT AGREEMENT\nPRICING INFORMATION\nInterest Rates and Interest Charges\nAnnual Percentage Rate The APR for purchases is the prime rate plus (i) 10.74% for Account Type 1 or (ii) 16.74% for Account\n(APR) for Purchases\nType 2, or (iii) 23.74% for Account Type 3.\nRates are determined when you open your account, based on your creditworthiness and other factors.\nThese rates will vary with the market based on the Prime Rate.\nAPR for Balance\nTransfers\n\nThe APR for balance transfers is the prime rate plus (i) 10.74% for Account Type 1 or (ii) 16.74% for\nAccount Type 2, or (iii) 23.74% for Account Type 3.\nRates are determined when you open your account, based on your creditworthiness and other factors.\nThese rates will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\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 balance transfers and cash advances on 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 Balance Transfers\n\nEither $10 or 4% of the amount of each balance transfer, whichever is greater.\n\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 $40.\n\n\xe2\x80\xa2 Returned Payment\n\n$29\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\nSYNCHRONY PREMIER WORLD MASTERCARD\xc2\xae 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\n1/365. Interest will be imposed in amounts or at rates not in excess of those permitted by applicable law.\nFor Account Type 1:\nThe APR for purchases is the prime rate plus 10.74%. As of March 1, 2021, the daily rate for purchases was .03833% (APR\n13.99%).\nThe APR for balance transfers is the prime rate plus 10.74%. As of March 1, 2021, the daily rate for balance transfers was\n.03833% (APR 13.99%).\nFor Account Type 2:\nThe APR for purchases is the prime rate plus 16.74%. As of March 1, 2021, the daily rate for purchases was .05477% (APR\n19.99%).\nThe APR for balance transfers is the prime rate plus 16.74%. As of March 1, 2021, the daily rate for balance transfers was\n.05477% (APR 19.99%).\nFor Account Type 3:\nThe APR for purchases is the prime rate plus 23.74%. As of March 1, 2021, the daily rate for purchases was .07395% (APR\n26.99%).\nThe APR for balance transfers is the prime rate plus 23.74%. As of March 1, 2021, the daily rate for balance transfers was\n.07395% (APR 26.99%).\nDaily Rates May Vary. The APRs and the daily rates for purchases and balance transfers on your account vary with the market\nbased on the prime rate. 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 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 and balance transfers will increase. As a result, interest, your\ntotal minimum payment and the number of payments it would take you to pay off your account balance may increase. We apply\nany change in rates because of a prime rate change to your entire account balance. A change in the prime rate will take effect\non the first day of the first billing cycle after the 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 Interest\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 \x07We 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.\nBalance Transfers and Cash Advances. We charge interest on your balance transfers and cash advances, and their related\nfees, from the date you make the transaction until you pay them in full. You cannot avoid paying interest on balance transfers or\ncash advances or their related fees.\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 daily rate to the daily\nbalance for each day in the billing cycle. A separate daily balance is calculated for the following balance types, as applicable:\npurchases, balance transfers, cash advances and balances subject to different interest rates, plans or special promotions. See\nbelow 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\npayments or credits. This gives us the daily balance.\nWe apply fees to balance types as follows:\n(a) late payment fees or returned payment fees are treated as new purchases;\n(b) debt cancellation fees are added proportionately to each balance;\n(c) balance transfer fees are added to the balance transfer balance;\n(d) cash advance fees are added to the cash advance balance; and\n(e) 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. How to get the interest charge for the billing cycle: We add all the daily interest amounts that were charged during the billing\ncycle.\nWe charge a minimum of $2.00 of interest in any billing cycle in which you owe interest. This charge is added proportionately to\neach balance type.\n\n2\n\n\x0cHow Fees Work\nBalance Transfer Fee\n\nWe will charge this fee for each balance transfer you make.\n\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\nmay charge you for use of the ATM.\n\nForeign Transaction 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\nthan the U.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, Mastercard will convert the transaction amount\ninto U.S. dollars using its currency conversion procedure. Under the currency conversion procedure that Mastercard currently\nuses, the non-U.S. dollar transaction amount is converted into a U.S. dollar amount by multiplying the transaction amount in the\nnon-U.S. dollar currency by a currency conversion rate. Mastercard\xe2\x80\x99s currency conversion procedure is based on rates observed\nin the wholesale market or government-mandated rates, where applicable. The currency conversion rate that Mastercard uses\nfor a particular transaction is the rate for the applicable currency on the date that the transaction occurred. However, in limited\nsituations, particularly where transaction submissions to Mastercard for processing are delayed, the currency conversion rate that\nMastercard uses may be the rate for the applicable currency on the date that the transaction is processed.\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\nfee is equal to:\n1. $29, if you have paid your total minimum payment due by the due date in each of the prior six billing cycles.\nOR\n2. $40, 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\nReturned Payment Fee\n\nWe will charge this fee if any check, other instrument, or electronic payment authorization you provide us in payment on your\naccount, is not honored, returned unpaid or cannot be processed for any reason. This fee is equal to $29. The returned payment\nfee will not be more than the amount permitted by applicable law.\n\nMinimum Payment Calculation\nYour total minimum payment is calculated as follows.\nThe greater of:\n1. \x07$29, or $40 (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 to, but may be included in the $29 or $40 minimum\namount otherwise due.\n\nSECTION III: STANDARD PROVISIONS\nSYNCHRONY PREMIER WORLD MASTERCARD\xc2\xae 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 the\napplication you submitted to us in connection with the account. These documents replace any other agreement relating to your account that you or we made earlier\nor 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\n3\n\n\x0cHOW 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 wherever\nMastercard is accepted. You may get cash advances as further explained below. You may not use your account to pay amounts you owe us on this account or any\nother account you have with us. From time to time, in our sole discretion, we may offer you the chance to transfer balances from your other credit card accounts to\nthis account. Details of the terms applicable to the balance transfer will be provided with the offer.\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\nfor any 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,\nwe will treat 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,\nelectronic or wire transfers, foreign currency or other in-bank transactions, tax payments, lottery tickets or other legalized gambling transactions, court costs, bail\nbonds 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 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\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.\nYou 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 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 phone\nnumbers 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 an\nautomatic 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. You are\nresponsible 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 any carrier\nare 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.\nWe 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 owe and this\nAgreement 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 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 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\nupon 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 other\naction 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\nyou send us correspondence about a disputed amount or payment, you must send it to the address for billing inquiries. We do not give up any\nrights 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 1-844-406-7427. 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\n4\n\n\x0cIMPORTANT 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\nhave 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 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\nWILL BE AVAILABLE; AND (4) APPEAL RIGHTS WILL BE LIMITED.\n1. C\n\x07 LAIMS 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, any assignee, agent, or service provider of ours that collects amounts\ndue on your account are intended beneficiaries of this Arbitration section and may enforce it in full (notwithstanding any state law to the contrary).\n2. T\n\x07 his 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. \x07E xamples 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. H\n\x07 owever, 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. \x07Only 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. \x07NO 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. \x07PROCEDURES. 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\npapers filed in 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 either the American Arbitration Association (AAA), 120 Broadway, Floor 21,\nNew York, NY 10271, www.adr.org, or JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, www.jamsadr.com, to administer the arbitration. If neither\nadministrator can handle the dispute, a court with jurisdiction will appoint an arbitrator.\n8. \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 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. T\n\x07 he arbitrator may award any damages or other relief or remedies that would apply under applicable law to an individual action brought in court, including,\nwithout limitation, punitive damages (governed by the Constitutional standards employed by the courts) and injunctive, equitable and declaratory relief (but only\nin favor of 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\nthe fees and costs of their attorneys, witnesses and experts. However, the arbitrator will have the authority to award fees and costs of attorneys, witnesses and\nexperts to the extent permitted by the Agreement, the administrator\xe2\x80\x99s rules or applicable law.\n10. \x07The 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. \x07GOVERNING 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\nto enforce the award.\n12. \x07SURVIVAL. 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. \x07SEVERABILITY. 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\nthe \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\nindividual claims 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\n5\n\n\x0c14. \x07HOW 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\nSYNCHRONY PREMIER WORLD MASTERCARD\xc2\xae 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_SYNCHRONY PREMIER WORLD MASTERCARD\nT&C DC PDF WF3114108G, WF3114108H, WF3114108J\n6/2021\n\n6\n\n\x0c'