b"FR833282333_PAYPAL CREDIT\nTC PDF CLIENT MANAGED\n6/2021\n\nRATES AND FEES TABLE\nPAYPAL CREDIT ACCOUNT AGREEMENT\nPRICING INFORMATION\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\nThe APR for purchases is the prime rate plus 20.74%.\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\nThe APR for cash advances is the prime rate plus 20.74%.\nThis APR will vary with the market based on the Prime Rate.\n\nPaying 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 non-promotional transactions if you pay your entire balance by the\ndue date each month. We will begin charging interest on promotional purchases on the\npurchase date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $2.00.\n\nFees\nAnnual Fee\n\nNone\n\nPenalty Fees\nl\nl\n\nLate Payment\nReturned Payment\n\nUp to $40.\nUp to $29.\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance\xe2\x80\x9d (including new purchases and cash\nadvances). See the Account Agreement for more details.\nFederal law requires the Lender to obtain, verify, and record information that identifies you when you open an\naccount. The Lender will use your name, address, date of birth, and other information for this purpose.\nTYPES OF TRANSACTIONS\nYou may use your account to make purchases (standard and promotional) by choosing PayPal Credit when you make a purchase from a merchant at a website,\nby telephone, or at another authorized location. You may also use your account to get cash advances. These types of transactions are further explained below.\n\nNON-PROMOTIONAL TRANSACTIONS\nStandard Purchases\n\nStandard purchases are non-promotional purchases or are purchases that are not otherwise subject to\npromotional repayment terms and/or APRs, including but not limited to Send Money transactions made in\nconnection with a purchase of goods or services.\n\nCash Advances\n\nCash advances are extensions of credit made on the account when you use Send Money to transfer money to\nfriends or family members (not to or from a business) without a purchase. You may not use the cash advance\nfeature to Send Money to yourself. The cost of the cash advance may include both the amount sent and any fee\ncharged by and paid to PayPal, Inc. for facilitating a Send Money transaction. We have the right to decline cash\nadvance transactions for any reason permitted by applicable law, including if fraudulent or high-risk behavior is\nsuspected.\n\nAt times, we may offer promotional financing for certain transactions, and the terms of this Agreement apply to any promotional financing. Regular account\nterms apply to non-promotional purchases and, after the promotion ends, to promotional purchases. Below is a description of certain promotional financing\nthat may be offered on purchases. These promotional offers may not be available at all times for all purchases. Please see any promotional advertising or other\ndisclosures provided to you for the full terms of any promotional offer. Offers may be subject to credit approval.\n\n1\n\n\x0cPROMOTIONAL PURCHASES - DEFERRED INTEREST PURCHASES\nNo Interest if Paid in\nFull in 6 Months\n\nFor each deferred interest purchase, if the deferred interest purchase balance is not paid in full within the\npromotional period, interest will be imposed from the date of purchase at the variable purchase APR that applies\nto your account when the deferred interest purchase is made.\nAt the time your account is opened, the variable purchase APR is 23.99%.\nYour purchase APR will vary with the market based on the prime rate.\n\nNo Interest if Paid in\nFull in 12 Months\n\nIf you pay the balance on a deferred interest purchase in full within the applicable promotional period, we will not\ncharge any interest for that purchase. Any remaining balance at the end of the promotional period will be charged\ninterest at the variable purchase APR that applies to your account from the date of the purchase. Minimum\nmonthly payments are required.\n\nPROMOTIONAL PURCHASES - EASY PAYMENTS PURCHASES\nEasy Payments Purchases\n\nFor each qualifying Easy Payments purchase, either interest will be assessed on the purchase at a reduced APR\n(which may be referred to as a Financed Easy Payments purchase) or no interest will be assessed. A monthly\npayment will be due as described in the Minimum Payment Calculation section. We may offer this as the only\nmethod you can use to make a purchase from a merchant, or as an option to the standard purchase and/or\ndeferred interest purchase method. Easy Payments purchases will be subject to the terms offered at the time\nof the transaction by the merchant.\n\nRATES, FEES AND PAYMENT INFORMATION\nRATES\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\ntype 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\napplicable APR times 1/365. Interest will be imposed in amounts or at rates not in excess of those permitted by\napplicable law. The APR for purchases and cash advances is the prime rate plus 20.74%. As of April 1, 2020,\nthe daily rate for purchases and cash advances is .0657260% (APR 23.99%). However, if we have disclosed a\npromotional rate at the time we made a promotional offer, we will calculate interest on balances subject to that\npromotional 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\nrate. The prime rate for a billing cycle is the highest bank prime loan rate published in The Wall Street Journal in\nits 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 will increase. As a result, interest, your total minimum payment\nand the number of payments it would take you to pay off your account balance may increase. We apply any\nchange in rates because of a prime rate change to your entire account balance. A change in the prime rate will\ntake effect on the first day of the first billing cycle after the change. We may select a new interest rate index if\nthe prime rate is not available.\n\nWhen We\nCharge Interest\n\nGenerally, we charge interest on your purchases and cash advances from the date you make the purchase or\ncash advance until you pay the purchase or cash advance in full. See exceptions below.\nl\n\nWe will not charge you interest during a billing cycle on any non-promotional transactions 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 charge interest on promotional purchases and their related fees from the date you make the promotional\npurchase, where applicable. If you pay the balance on a deferred interest purchase in full within the applicable\npromotional period, we will not charge any interest for that purchase.\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 to\nnon-promotional transactions 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\n2\n\n\x0cHow We Calculate Interest\n\nWe calculate interest on your account for each billing cycle separately for each balance type. A separate average\ndaily balance is calculated for the following balance types, as applicable: standard purchases, cash advances\nand promotional purchases. See below for how this works.\n1. How to get the average daily balance: We take the starting balance each day, including billed interest\nand billed fees, add the daily interest amount from the previous day, add any new charges and\nadjustments posted that day and subtract any payments or credits (treating any net credit balance as\nzero). This gives us the daily balance. Then, we add up all the daily balances for the billing cycle and\ndivide the total by the number of days in the billing cycle. The result is the average daily balance. Late\npayment fees, returned payment fees and debt cancellation fees are treated as standard purchases.\n2. How to get the interest amount: We multiply the average daily balance by the applicable daily rate to get\nthe daily interest amount. Then we multiply the daily interest amount by the number of days in the billing\ncycle to determine the interest charges. This gives us the interest charges for each balance type. We\ncalculate the interest charge for each balance type.\n3. How to get the interest charge for the billing cycle: We add all the interest charges for all the balance\ntypes, to get the interest for the account.\n\nMinimum Interest Charge\n\nWe charge a minimum of $2.00 of interest in any billing cycle in which you owe interest on non-promotional\ntransactions.\nFEES\n\nYou agree to pay the following fees, as applicable.\nFEES\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\non the due date 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;\nOR\n2. $40, if you have failed to pay your minimum payment due by the due date in any one or more of the prior\nsix billing cycles.\nThe late payment fee will never be more than the total minimum payment that was due.\n\nReturned Payment Fee\n\nWe will charge this fee, which is sometimes referred to as a \xe2\x80\x9creturn check fee\xe2\x80\x9d or \xe2\x80\x9cnon-sufficient funds fee,\xe2\x80\x9d if\nany check, other instrument, or electronic payment authorization you provide us in payment on your account,\nis not honored upon first presentment for any reason, including if the payment is returned by drawee for \xe2\x80\x9cnot\nsufficient funds.\xe2\x80\x9d We will not charge this fee if the check, instrument or electronic authorization is later honored.\nThis fee is equal to $29; however, it will never be more than the minimum payment due immediately prior to the\ndate on which the payment is returned.\n\nMINIMUM PAYMENT CALCULATION\nYour minimum payment is calculated as follows.\nThe sum of:\na. For the new balance shown on your billing statement (excluding any Easy Payments purchase balance), the greater of:\n(i) $29, or $40 if you have failed to pay the minimum payment due by the due date in any one or more of the prior six billing cycles; or\n(ii) The sum of 1% of such new balance (rounded down to the nearest whole dollar), plus interest (excluding any accrued interest on a deferred interest\npurchase billed in that billing cycle), late payment fees and returned payment fees charged in the current billing cycle (rounded down to the nearest whole\ndollar); PLUS\nb. Any past due amounts; PLUS\nc. Any Easy Payments purchase monthly payment. The monthly payment amount for an Easy Payments purchase will be equal to the Easy Payments\npurchase amount plus applicable interest divided by the number of months in the applicable promotional period.\n\nYour minimum payment will never be more than your new balance. There is no payment due for a \xe2\x80\x9cNo Payments + No Interest if paid in full purchase\xe2\x80\x9d prior to\nits expiration date.\n\n3\n\n\x0cSTANDARD PROVISIONS\nABOUT THE CREDIT CARD ACCOUNT AGREEMENT\nThis Agreement\n\nThis is an Agreement between you and Synchrony Bank, 170 Election Road, Suite 125, Draper, UT 84020, for\nyour PayPal Credit open-end (revolving) credit card account that is the subject of this Agreement. By opening\nor using your account, you agree to the terms of the entire Agreement, and you make the promises it contains\nby either applying for or accepting an account or making a purchase using PayPal Credit after receipt of this\nAgreement. The entire Agreement includes this document, including any amendment or addendum thereto, and\nthe application you submitted 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.\n\nParties To\nThis Agreement\n\nThe 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,\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 PayPal, Inc., located in San Jose, California, is a\npayment service provider that consumers and merchants use to make payments to and accept payments from\nthird parties, and is another entity contemplated by this Agreement.\n\nChanges To This Agreement\n\nWe may change, add or delete terms of this Agreement, including interest rates, fees and charges.\n\nPromotional Financing Offers\n\nThe terms of this Agreement apply to any promotional financing offer. However, any promotional financing terms\nthat are different than the terms in this Agreement will be explained on promotional advertising or other disclosures\nprovided to you.\n\nHOW TO USE YOUR ACCOUNT\nUse Of Your Account\n\nYou may use your account only for lawful personal, family or household purposes. You may use your account for\nthe types of transactions explained in this Agreement. You may not use your account to pay amounts you owe\nus on this account or any other account you have with us. We may charge your account for purchases and cash\nadvances you make, and you authorize us to charge this account for the cost of any purchase or cash advance\nyou or anyone to whom you have given permission to use this account make, using PayPal Credit.\n\nYou Promise To Pay\n\nYou promise to pay us for all amounts owed to us under this Agreement.\n\nYour Responsibility\n\nYou may not allow anyone else to use your account. If you do, you will be responsible for paying for all charges\nresulting from their transactions.\n\nTransaction Limits\n\nTo prevent fraud, we may limit the number or dollar amount of any type of transactions you can make in any\nparticular amount of time. We also may decline any particular charge on your account for any reason.\n\nCredit Limit\n\nYou will be assigned a credit limit (which may also be referred to as a credit line), which is the dollar amount\nof credit available for you to borrow on your account, of at least $250, that we may increase or decrease from\ntime to time. If we approve a transaction that makes you go over your credit limit, we do not give up any rights\nunder this Agreement and we do not treat it as an increase in your credit limit. However, we may, from time to\ntime, increase your credit limit, including after approval of such a transaction. If you seek to open a new account\nto make a purchase, you agree that if we identify your existing account, your purchase will be charged to your\nexisting account and a new account will not be opened.\n\nHOW AND WHEN TO MAKE PAYMENTS\nWhen Payments Are Due\n\nYou must pay at least the minimum payment due on your account by the due date of each billing cycle in\naccordance with the requirements set forth on each billing statement. Payments received after the due date will\nbe 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\namount of interest you will pay. We may delay making credit available on your account in the amount of your\npayment even though we will credit your payment when we receive it.\n\nPayment Options\n\nYou can pay by mail, online or by phone. Your payment must be made in U.S. dollars by physical or electronic\ncheck, money order or a similar instrument from a bank located in the United States.\n\nHow To Make A Payment\n\nYou must follow the instructions for making payments provided on your billing statement. If you do not, credit\nof your payment may be delayed up to five days. Your billing statement also explains how information on your\ncheck is used.\n\nPayment Allocation\n\nWe will use each payment in the amount of the minimum payment due or less, first to pay billed monthly plan\npayments on any Easy Payments purchases, then billed interest, then billed fees, then the principal balance, and\nthen any other amounts due. However, if you have a balance on a deferred interest purchase, during both the\nbilling cycle preceding its expiration date and the billing cycle in which such deferred interest purchase expires, we\nmay use the payment, after the amount to pay billed monthly plan payments on any Easy Payments purchases,\nto pay the balance on such deferred interest purchase(s).\nWe will use any amount in excess of the minimum payment due to pay the balances with the highest interest rate,\nthen the next highest interest rate, and so forth. However, during both the billing cycle preceding the expiration\ndate and the billing cycle in which a deferred interest purchase expires, we may use payments first to pay the\nbalance on such deferred interest purchase(s).\n\n4\n\n\x0cINFORMATION ABOUT YOU\nUsing And Sharing\nYour Information\n\nWhen you applied for an account, you gave us and PayPal, Inc. information about yourself that we could share with\neach other. PayPal, Inc. will use the information in connection with the credit program and for things like creating\nand updating its records and offering you special benefits. By making a purchase or requesting a cash advance,\nyou authorize us to share your personal information (including email address) in order to verify your identity, make\na credit decision, complete your transaction, service your account, and for any other lawful purpose as set forth in\nthe privacy policy for your account. You authorize merchants you transact with to share your personal information,\nincluding email address, with the Lender to use it for any lawful purpose.\n\nAddress/Phone Change\n\nYou represent that any phone number that you provide to us belongs to you and/or that you are authorized to\nprovide that number. You also agree to tell us right away if you change your address (mailing or email) or any\nphone number.\n\nConsent To\nCommunications\n\nYou consent to us and PayPal, Inc., as well as any other owner or servicer of your account, contacting you through\nany channel of communication and for any purpose, as permitted by applicable law. For informational, servicing,\nfraud or collection related communications, you agree that we may use the phone numbers that you provide to us\nto contact your cellular phone or wireless device with text messages, artificial or prerecorded voice calls, and calls\nmade by an automatic telephone dialing system. Text frequency may vary and may be recurring. This consent\napplies even if you are charged for the call under your plan. You are responsible for any charges that may be\nbilled 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.\n\nTelephone Monitoring\n\nFor quality control, you allow us and/or PayPal, Inc. to listen to and/or record telephone calls between you and\nus or PayPal, Inc.\n\nEmails\n\nYou consent to us and/or PayPal, Inc. emailing you for any lawful purpose, including marketing.\n\nIMPORTANT INFORMATION ABOUT YOUR ACCOUNT\nClosing\nYour Account\n\nYou may close your account at any time by sending a letter to the address shown on your billing statement or\ncalling customer service. We may close your account at any time, for any reason. If your account is closed, you\nmust stop using it. You must still pay the full amount you owe and this Agreement will remain in effect until you do.\n\nCollection Costs\n\nIf we ask an attorney who is not our salaried employee to collect your account, we may charge you our collection\ncosts. These include court costs and reasonable attorneys\xe2\x80\x99 fees.\n\nCredit\nBureau Reporting\n\nWe may report information about your account to credit bureaus. Late payments, missed payments, or other\ndefaults on your account may be shown in your credit report. Tell us if you think we reported wrong information\nabout you to a credit bureau. Write to us at P.O. Box 965005, Orlando, FL 32896-5005. Tell us what information\nis 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.\n\nDefault\n\nYou are in default if you make a late payment, do not follow any other term of this Agreement or become bankrupt\nor insolvent. If you default or upon your death, we may (a) request payment of the full amount due right away, (b)\ntake legal action to collect the amounts owed, and/or (c) take any other action allowed.\n\nDisputed Amounts\n\nThe billing rights summary in this Agreement describes what to do if you think there is a mistake on\nyour bill. If you send us correspondence about a disputed amount or payment, you must send it to the\naddress for billing inquiries. We do not give up any rights under this Agreement if we accept a payment\nmarked \xe2\x80\x9cpayment in full\xe2\x80\x9d or given with any other conditions or limitations.\n\nUnauthorized Use\n\nIf your account is used without your consent, call us immediately at 1-844-373-4961. 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\n\nEnforceability\n\nWe may sell, assign or transfer any or all of our rights or duties under this Agreement or your account, including\nour rights to payments. We do not have to give you prior notice of such action. Any person, company, or bank to\nwhom we assign this Agreement shall be entitled to all of our rights under this Agreement. None of your rights or\nobligations shall be affected by such assignment. You may not sell, assign or transfer any of your rights or duties\nunder this Agreement or your account.\nIf any part of this Agreement is found to be void or unenforceable, all other parts of this Agreement will still apply.\n\nGoverning Law\n\nExcept as provided in the Resolving a Dispute with Arbitration section, this Agreement and your account are\ngoverned by federal law and, to the extent state law applies, the laws of Utah without regard to its conflicts of\nlaw principles. This Agreement has been accepted by us in Utah.\n\nWaiver\n\nWe may give up some of our rights under this Agreement. If we give up any of our rights in one situation, we do\nnot give up the same right in another situation.\n\n5\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\nRESOLVE ANY SUCH DISPUTE; (2) YOU WILL NOT BE ABLE TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING; (3) LESS\nINFORMATION 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 any\nother user of your account), and us (including our parents, affiliates, agents, employees, officers, and assignees, and PayPal, Inc. and its affiliates) that\ndirectly or indirectly arises from or relates to your account, your account Agreement or our relationship, except as noted below. In addition, 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 it in\nfull (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\ntook 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 Agreement (such\nas any disclosures, advertisements, promotions or oral or written statements, warranties or representations made by us), an application for or denial of\ncredit, any product or service provided by us or third parties in connection with the Agreement, credit reporting, benefit programs related to your account\nincluding any reward 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\ncase 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 claim made by a new\nparty or any claim later asserted by a party in any related or unrelated lawsuit, including modifying an individual claim to assert a class, representative or\nmulti-party claim. Arbitration 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\nthat 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 PARTICIPATE\nIN A CLASS ACTION, PRIVATE ATTORNEY GENERAL ACTION OR OTHER REPRESENTATIVE ACTION IN COURT OR IN ARBITRATION, EITHER AS\nA CLASS REPRESENTATIVE OR CLASS MEMBER, OR (B) TO JOIN OR CONSOLIDATE CLAIMS WITH CLAIMS OF ANY OTHER PERSONS EXCEPT\nACCOUNTHOLDERS ON YOUR ACCOUNT. THUS, 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 JOINED IN A\nSINGLE 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 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, New\nYork, 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. 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\nlegal experience. The arbitrator must apply the same law, consistent with the Federal Arbitration Act (FAA), that would apply to an individual action in court,\nbut may use different procedural rules. The arbitrator will apply the same statutes of limitation and privileges that a court would apply if the matter were\npending 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,\nwithout limitation, punitive damages (governed by the Constitutional standards employed by the courts) and injunctive, equitable and declaratory relief (but\nonly in 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\nwill bear the fees and costs of their attorneys, witnesses and experts. However, the arbitrator will have the authority to award fees and costs of attorneys,\nwitnesses 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 arbitrator\ncharges if 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\nadministrator\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 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\nupon the 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\ncase except to enforce 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\nsection 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 in force\nwith 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 determination is not\nreversed on appeal, then this Arbitration section shall be void in its entirety. Second, if a court determines that a public injunctive relief claim may proceed\nnotwithstanding the \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\nby a court, and any individual claims will be arbitrated. The parties will ask the court to stay the public injunctive relief claim until the other claims have\nbeen 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,\nsend 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 include your name,\naddress, account number, and personal signature, and must be mailed to Synchrony Bank, P.O. Box 965012, Orlando, FL 32896-5012. This is the only\nway you can reject this section. Rejecting this Arbitration section will not affect any other provision of the Agreement. It will also not affect any prior arbitration\nagreement or dispute resolution provision between you and us, which will remain in full force and effect. If you don't reject this Arbitration section, it will be\neffective as of the date of the Agreement and will supersede any prior arbitration agreement between you and us that would otherwise be applicable.\n\nOTHER IMPORTANT INFORMATION\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_PAYPAL CREDIT\nTC PDF CLIENT MANAGED\n6/2021\n6\n\n\x0c"


b'FR833282333_SHOPHQ CREDIT CARD\nTC PLCC PDF WF3536050A\n6/2021\n\nSYNCHRONY BANK\nSECTION I: RATES AND FEES TABLE\nSHOPHQ CREDIT CARD ACCOUNT AGREEMENT\nPRICING INFORMATION\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR)\nfor Purchases\n\nThe APR for purchases is the prime rate plus 23.74%.\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\ncharge you any interest on purchases if you pay your entire balance by the due date\neach month.\n\nMinimum Interest Charge\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.\n\nFees\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $40.\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.\nSECTION II: RATES, FEES AND PAYMENT INFORMATION\nSHOPHQ CREDIT CARD ACCOUNT 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\nbalance on your account each day. The daily rate for purchases is the APR times 1/365. As of April 1, 2020,\nthe daily rate for purchases was .07395% (APR 26.99%). Interest will be imposed in amounts or at rates not\nin excess of those permitted 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 last business day of the calendar month preceding the first day of the\nbilling 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. You had a balance at the start of the billing cycle and you paid that balance in full by the due date in\nthat 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\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\n(1)\n\n\x0cHow 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. 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.\nWe apply fees to balance types as follows:\n(a) late payment fees are treated as new purchases; and\n(b) debt cancellation fees are added proportionately to each 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\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. $29, if you have paid your total minimum payment due by the due date in each of the prior six\nbilling 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\nthe 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. $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\nprior six billing 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. 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.\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 will be explained on promotional advertising or other\ndisclosures provided to you. Below is a description of certain special promotions that 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 period,\ninterest will be imposed from the date of purchase at the variable Purchase APR that applies to\nyour 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 26.99%.\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. Regular\naccount terms apply to non-promotional purchases and, after promotion ends, to promotional purchases. Offers are subject to credit approval. These\npromotional offers may not be available at all times for all purchases. Please see any special promotion advertising or other disclosures provided to you for\nthe full terms of any special promotion offered.\n\n(2)\n\n\x0cSECTION III: STANDARD PROVISIONS\nSHOPHQ 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\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 from\nShopHQ, including orders placed by phone or online at ShopHQ.com.\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 may\ndecline 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.\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 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\nmaking 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 payment\nmay 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 iMedia Brands, Inc. information about yourself that we\ncould share with each other. iMedia Brands, 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 include\ncourt 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\non your 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\nP.O. Box 965005, Orlando, 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\nincludes the wrong information, send us a copy.\n\n(3)\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\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 1-866-597-1513. 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\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. 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\nother user of your account), and us (including our parents, affiliates, agents, employees, officers, and assignees) that directly or indirectly arises from\nor relates to your account, your account Agreement or our relationship, except as noted below. In addition, iMedia Brands, 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 it\nin 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,\nstatute, regulation, ordinance, common law and equity and claims for money damages and injunctive or declaratory relief, even if they arose before this\nsection took effect. You may not sell, assign or transfer a claim.\n3. E\n\x07 xamples of claims subject to arbitration are disputes about an account transaction, fees, charges or interest, the events leading up to the Agreement\n(such as any disclosures, advertisements, promotions or oral or written statements, warranties or representations made by us), an application for or\ndenial of credit, any product or service provided by us or third parties in connection with the Agreement, credit reporting, benefit programs related to\nyour account including any reward 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\ncase 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 claim made by a new\nparty or any claim later asserted by a party in any related or unrelated lawsuit, including modifying an individual claim to assert a class, representative or\nmulti-party claim. Arbitration may be requested at any time, even where there is a pending lawsuit, unless a trial has begun, or a final judgment entered.\n5. O\n\x07 nly 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. N\n\x07 O CLASS ACTIONS. IF EITHER YOU OR WE ELECT TO ARBITRATE A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT (A) TO PARTICIPATE\nIN A CLASS ACTION, PRIVATE ATTORNEY GENERAL ACTION OR OTHER REPRESENTATIVE ACTION IN COURT OR IN ARBITRATION, EITHER AS\nA CLASS REPRESENTATIVE OR CLASS MEMBER, OR (B) TO JOIN OR CONSOLIDATE CLAIMS WITH CLAIMS OF ANY OTHER PERSONS EXCEPT\nACCOUNTHOLDERS ON YOUR ACCOUNT. THUS, 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 JOINED IN\nA SINGLE ARBITRATION WITH ANY CLAIM 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\nof a lawsuit or in papers filed in the lawsuit. Otherwise, your notice must be sent to Synchrony Bank, Legal Operation, P.O. Box 29110,\nShawnee Mission, KS 66201-5320, ATTN: ARBITRATION DEMAND. The party seeking arbitration must select either the American Arbitration\nAssociation (AAA), 120 Broadway, Floor 21, New York, NY 10271, www.adr.org, or JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018,\nwww.jamsadr.com, to administer the arbitration. If neither administrator can handle the dispute, a court with jurisdiction will appoint an arbitrator.\n8. T\n\x07 he 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 action\nin court, but may use different procedural rules. The arbitrator will apply the same statutes of limitation and privileges that a court would apply if the\nmatter 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,\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 to\naward 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. \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\ncharges if 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\nadministrator\xe2\x80\x99s rules or 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\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 enter\njudgment upon the 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\nany other case except to enforce the award.\n(4)\n\n\x0c12. \x07SURVIVAL. 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 this\nArbitration section conflicts 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\nforce 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 determination\nis not reversed on appeal, then this Arbitration section shall be void in its entirety. Second, if a court determines that a public injunctive relief claim may\nproceed notwithstanding the \xe2\x80\x9cNo Class Actions\xe2\x80\x9d provision, and that determination is not reversed on appeal, then the public injunctive relief claim will\nbe decided by a court, and any individual claims will be arbitrated. The parties will ask the court to stay the public injunctive relief claim until the other\nclaims have been finally concluded.\n14. \x07HOW TO REJECT ARBITRATION. You may reject this Arbitration section. If you do that, a court will resolve any dispute or claim. To reject\nthis section, 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\nnotice must include your name, address, account number, and personal signature, and must be mailed to Synchrony Bank, P.O. Box 965012,\nOrlando, FL 32896-5012. This is the only way you can reject this section. Rejecting this Arbitration section will not affect any other provision of the\nAgreement. It will also not affect any prior arbitration agreement or dispute resolution provision between you and us, which will remain in full force and\neffect. If you don\xe2\x80\x99t 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\nSHOPHQ 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_SHOPHQ CREDIT CARD\nTC PLCC PDF WF3536050A\n6/2021\n(5)\n\n\x0c'


b'FR833282333 AEO, INC. VISA\xc2\xae CARD\nT&C DC PDF WF2074968C\n6/2020\n\nSYNCHRONY BANK\nSECTION I: RATES AND FEES TABLE\nAEO, INC. VISA\xc2\xae CARD ACCOUNT AGREEMENT\nPRICING INFORMATION\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\nAPR for Cash Advances\n\nThe APR for purchases is the prime rate plus 22.74%.\nThis APR will vary with the market based on the Prime Rate.\nThe APR for cash advances is the prime rate plus 23.74%.\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 23 days after the close of each billing cycle. We will not charge you\nany interest on purchases if you pay your entire balance by the due date each month. We\nwill begin charging interest on cash advances on the transaction date.\n\nMinimum Interest Charge\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\n\xe2\x80\xa2 Foreign Transaction\n\nEither $10 or 5% of the amount of each cash advance, whichever is greater.\n3% of each transaction.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $40.\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\nAEO, INC. 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\nAPR times 1/365. Interest 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 22.74%. As of April 1, 2020, the daily rate for purchases was\n.07121% (APR 25.99%).\nThe APR for cash advances is the prime rate plus 23.74%. As of April 1, 2020, the daily rate for cash advances\nwas .07395% (APR 26.99%).\nDaily Rates May Vary. The APRs and the daily rates 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 in\nits 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 will increase. As a result, interest, your total minimum payment\nand the number of payments it would take you to pay off your account balance may increase. We apply any change\nin 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\nis not available.\n\nWhen We Charge Interest\n\nPurchases. We charge interest on your purchases from the date you make the purchase until you pay the\npurchase in 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\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 date in\nthe previous billing cycle.\nCash Advances. We charge interest on your cash advances and their related fees, from the date you make the\ntransaction until you pay them in full. You cannot avoid paying interest on cash 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\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: purchases, cash advances 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.\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\nbalance from step 1.\n4. \x07How to get the interest charge for the billing cycle: We add all the daily interest amounts that were charged\nduring 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\n2\n\n\x0cHow 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\nthe ATM owner may 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\ncountry other than 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, Visa U.S.A. Inc. (\xe2\x80\x9cVisa\xe2\x80\x9d) will\nconvert the transaction amount into U.S. dollars using its currency conversion procedure. Under the currency\nconversion procedure that Visa currently uses, the non-U.S. dollar transaction amount is converted into a U.S.\ndollar amount by multiplying the transaction amount in the non-U.S. dollar currency by a currency conversion rate.\nCurrently, Visa operating regulations provide that the currency conversion rate is either (1) a rate selected by Visa\nfrom the range of rates available in wholesale currency markets for the applicable central processing date, which\nrate may vary from the rate Visa itself receives, or (2) the government-mandated rate in effect for the applicable\ncentral processing date. The currency conversion rate that is in effect on the central processing date may differ\nfrom the rate in effect on the transaction date or the posting date, and may be higher than the rate you could have\ngotten if you had converted U.S. dollars into the foreign currency.\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\ndue date. This fee 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\nprior 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$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 not be more than your new balance.\n\nSECTION III: STANDARD PROVISIONS\nAEO, INC. 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\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 this\ndocument and the application you submitted to us in connection with the account. These documents replace any other agreement relating to your account\nthat 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.\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\nAE and Aerie locations, including on ae.com and aerie.com, as well as from any merchant that accepts Visa credit cards. You may get cash advances as\nfurther explained below. You may not use your account to pay amounts you owe us on this account or any other account you have with us.\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\ncheck for 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.\nIn 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 checks,\ntraveler\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.\n3\n\n\x0cYour 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.\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\ntime. We also may 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\na 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 do not treat\nit 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 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\nmaking 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 at ae.com. We may allow you to make payments over the phone but we will charge you a fee to make\nexpedited phone payments. Your payment must be made in U.S. dollars by physical or electronic check, money order or a similar instrument from a\nbank 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\nmay 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 or\npermit 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 AEO, Inc. information about yourself that we could share with\neach other. AEO, 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\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.\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 include\ncourt 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 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.\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 1-866-913-6765. 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.\nTransactions Processed On The Visa Network. Transactions made using your credit card in an AE or Aerie store or at ae.com or aerie.com are\nprocessed by Synchrony Bank and are not processed on the Visa network. As a result, these transactions are not eligible for certain benefits that apply\nto transactions processed over the Visa network. For example, transactions in an AE or Aerie store or at ae.com or aerie.com do not count as eligible\ntransactions for promotions that are sponsored by Visa, such as \xe2\x80\x9cVisa Extras.\xe2\x80\x9d Your account is protected against unauthorized use as provided in this\nAgreement. In addition, Visa\xe2\x80\x99s Zero Liability policy applies to all transactions not made in an AE or Aerie store or on ae.com or aerie.com.\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.\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\nother user of your account), and us (including our parents, affiliates, agents, employees, officers, and assignees) that directly or indirectly arises from or\nrelates to your account, your account Agreement or our relationship, except as noted below. In addition, AEO, Inc. and/or any assignee, agent, or service\nprovider of ours that collects amounts due on your account are intended beneficiaries of this Arbitration section and may enforce it in full (notwithstanding\nany 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 Agreement\n(such as any disclosures, advertisements, promotions or oral or written statements, warranties or representations made by us), an application for or\ndenial of credit, any product or service provided by us or third parties in connection with the Agreement, credit reporting, benefit programs related to\nyour account including any reward 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\ncase 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 claim made by a new\nparty or any claim later asserted by a party in any related or unrelated lawsuit, including modifying an individual claim to assert a class, representative or\nmulti-party claim. Arbitration 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\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 PARTICIPATE\nIN A CLASS ACTION, PRIVATE ATTORNEY GENERAL ACTION OR OTHER REPRESENTATIVE ACTION IN COURT OR IN ARBITRATION, EITHER AS\nA CLASS REPRESENTATIVE OR CLASS MEMBER, OR (B) TO JOIN OR CONSOLIDATE CLAIMS WITH CLAIMS OF ANY OTHER PERSONS EXCEPT\nACCOUNTHOLDERS ON YOUR ACCOUNT. THUS, YOU MAY NOT BRING CLAIMS AGAINST US ON BEHALF OF ANY ACCOUNTHOLDER WHO\nIS NOT AN ACCOUNTHOLDER ON YOUR ACCOUNT, AND YOU AGREE THAT ONLY ACCOUNTHOLDERS ON YOUR ACCOUNT MAY BE JOINED\nIN 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 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 662015320, ATTN: ARBITRATION DEMAND. The party seeking arbitration must select either the American Arbitration Association (AAA), 120 Broadway,\nFloor 21, New York, NY 10271, www.adr.org, or JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, www.jamsadr.com, to administer the\narbitration. 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 action\nin court, but may use different procedural rules. The arbitrator will apply the same statutes of limitation and privileges that a court would apply if the\nmatter 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 to\naward 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 arbitrator\ncharges if 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\nadministrator\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 be\nused in any other case except to enforce the award.\n12. 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 this\nArbitration 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 in force\nwith 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 determination is\nnot reversed on appeal, then this Arbitration section shall be void in its entirety. Second, if a court determines that a public injunctive relief claim may\nproceed notwithstanding the \xe2\x80\x9cNo Class Actions\xe2\x80\x9d provision, and that determination is not reversed on appeal, then the public injunctive relief claim will\nbe decided by a court, and any individual claims will be arbitrated. The parties will ask the court to stay the public injunctive relief claim until the other\nclaims 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 328965012. This is the only way you can reject this section. Rejecting this Arbitration section will not affect any other provision of the Agreement. It will also\nnot affect any prior arbitration agreement or dispute resolution provision between you and us, which will remain in full force and effect. If you don\xe2\x80\x99t\nreject this Arbitration section, it will be effective as of the date of the Agreement and will supersede any prior arbitration agreement between you and\nus that would otherwise be applicable.\n\n5\n\n\x0cSECTION IV: OTHER IMPORTANT INFORMATION\nAEO, INC. 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\nthe credit card agreement posted online or provided to the CFPB.\n\nFR833282333 AEO, INC. VISA\xc2\xae CARD\nT&C DC PDF WF2074968C\n6/2020\n6\n\n\x0c'