b"FR833282333_SAM\xe2\x80\x99S CLUB\xc2\xae MASTERCARD\xc2\xae\nTC DC PDF WF3174533E, WF3174533G\n3/2021\n\nSYNCHRONY BANK\nSECTION I: RATES AND FEES TABLE\nSAM\xe2\x80\x99S CLUB\xc2\xae MASTERCARD\xc2\xae ACCOUNT AGREEMENT\nPRICING INFORMATION\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases and\nQuick Cash Advances\n\nThe APR for purchases and quick cash advances is the prime rate plus (i) 12.40% for\nAccount Type 1, or (ii) 20.40% for Account Type 2.\nRates are determined when you open your account, based on your creditworthiness and\nother factors.\nThese rates will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\nThe APR for balance transfers is the prime rate plus (i) 12.40% for Account Type 1, or (ii)\n20.40% for Account Type 2.\nRates are determined when you open your account, based on your creditworthiness and\nother factors.\nThese rates 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 (i) 17.40% for Account Type 1, or (ii)\n23.40% for Account Type 2.\nRates are determined when you open your account, based on your creditworthiness and\nother factors.\nThese rates 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 purchases if you pay your entire balance by the due date each month.\nWe will begin charging interest on balance transfers and cash advances on the transaction\ndate.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $2.00.\n\nFees\nTransaction Fees\nl\n\nBalance Transfer\n\nEither $10 or 4% of the amount of each balance transfer, whichever is greater.\n\nl\n\nCash Advance\n\nEither $5 or 3% of the amount of each cash advance, whichever is greater.\n\nPenalty Fees\nl\n\nLate 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\nSAM\xe2\x80\x99S CLUB\xc2\xae 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\napplicable APR times 1/365. Interest will be imposed in amounts or at rates not in excess of those permitted\nby applicable law.\nFor Account Type 1:\nThe APR for purchases and quick cash advances is the prime rate plus 12.40%. As of March 15, 2021, the daily\nrate for purchases and quick cash advances was .04288% (APR 15.65%).\nThe APR for balance transfers is the prime rate plus 12.40%. As of March 15, 2021, the daily rate for balance\ntransfers was .04288% (APR 15.65%).\nThe APR for cash advances is the prime rate plus 17.40%. As of March 15, 2021, the daily rate for cash advances\nwas .05658% (APR 20.65%).\nFor Account Type 2:\nThe APR for purchases and quick cash advances is the prime rate plus 20.40%. As of March 15, 2021, the daily\nrate for purchases and quick cash advances was .06480% (APR 23.65%).\nThe APR for balance transfers is the prime rate plus 20.40%. As of March 15, 2021, the daily rate for balance\ntransfers was .06480% (APR 23.65%).\nThe APR for cash advances is the prime rate plus 23.40%. As of March 15, 2021, the daily rate for cash advances\nwas .07302% (APR 26.65%).\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 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.\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\nBalance Transfers and Cash Advances. We charge interest on your balance transfers and cash advances,\nand their related fees, from the date you make the transaction until you pay them in full. You cannot avoid paying\ninterest on balance transfers or cash advances or their related fees.\n\n2\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 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 ,balance transfers,cash advances and balances subject to different\ninterest rates, plans or special promotions. See below for how this works.\n1. How to get the daily balance: We take the starting balance each day, add any new charges and fees,\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;\n(b) debt cancellation fees are added proportionately to each balance;\n(c) balance transfer fees are added to the balance transfer balance; and\n(d) cash advance fees are added to the cash advance balance.\n2. How to get the daily interest amount: We multiply each daily balance by the daily rate that applies.\n3. How to get the starting balance for the next day: We add the daily interest amount in step 2 to the daily\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\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\nfee the ATM owner may charge you for use of the ATM.\n\nForeign Transaction Fee\n\nWe will not charge you a foreign transaction fee.\nIf you make a transaction with your account in a currency other than U.S. dollars, Mastercard will convert the\ntransaction amount into U.S. dollars using its currency conversion procedure. Under the currency conversion\nprocedure that Mastercard currently uses, the non-U.S. dollar transaction amount is converted into a U.S. dollar\namount by multiplying the transaction amount in the non-U.S. dollar currency by a currency conversion rate.\nMastercard\xe2\x80\x99s currency conversion procedure is based on rates observed in the wholesale market or governmentmandated rates, where applicable. The currency conversion rate that Mastercard uses for a particular transaction\nis the rate for the applicable currency on the date that the transaction occurred. However, in limited situations,\nparticularly where transaction submissions to Mastercard for processing are delayed, the currency conversion\nrate that Mastercard uses may be the rate for the applicable currency on the date that the transaction is\nprocessed.\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\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 billing\ncycles.\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. $29, or $40 (which includes any past due amounts) if you have failed to pay at least the total minimum payment due by the due date in any one or\nmore of the prior six billing cycles.\nOR\n2. The sum of:\na. Any past due amounts; PLUS\nb. 1% of your new balance (excluding any balance in connection with a special promotional purchase with a unique payment calculation) shown on\nyour billing statement; PLUS\nc. Any late payment fees charged to your account in the current billing cycle; PLUS\nd. All interest charged to your account in the current billing cycle; PLUS\ne. Any payment due in connection with a special promotional purchase with a unique payment calculation.\n\n3\n\n\x0cWe 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 special promotional advertising or\nother disclosures provided to you. Below is a description of certain special promotions that may be offered:\nl\n\nNo Interest for 6 Months\n\nl\n\nNo Interest for 12 Months\n\nl\n\nNo Interest for 18 Months\n\nl\n\nNo Interest for 24 Months\n\nAt the time your account is opened, this is the variable APR applicable to your\naccount.\n\nl\n\nNo Interest for 36 Months\n\nYour Purchase APR will vary with the market based on the prime rate.\n\nl\n\nNo Interest for 48 Months\n\nFor each promotion, after the promotion ends, the variable Purchase APR that\napplies to your account when the promotional purchase is made will apply.\n\nWhen you make a qualifying purchase under one of these promotions, no interest will be assessed on the purchase during the promotional period, but minimum\nmonthly payments are required. Regular account terms apply to non-promotional purchases and, after promotion ends, to your promotional purchases. Offers\nare subject to credit approval. These promotional offers may not be available at all times for all purchases. Please see any special promotion advertising or\nother disclosures provided to you for the full terms of any special promotion offered. In addition, the special promotions described below may be offered:\nl\n\nNo Interest if Paid in Full Within 6 Months\n\nl\n\nNo Interest if Paid in Full Within 12 Months\n\nl\n\nNo Interest if Paid in Full Within 18 Months\n\nl\n\nNo Interest if Paid in Full Within 24 Months\n\nl\n\nNo Interest if Paid in Full Within 36 Months\n\nl\n\nNo Interest if Paid in Full Within 48 Months\n\nFor each promotion, if the promotional balance is not paid in full within the\npromotional period, interest will be imposed from the date of purchase at the variable\nPurchase APR that applies to your account when the promotional purchase is made.\nAt the time your account is opened, this is the variable APR applicable to your\naccount.\nYour Purchase APR will vary with the market based on the prime rate.\n\nWhen you make a qualifying purchase under one of these promotions, no interest will be assessed on the purchase if you pay the following (the \xe2\x80\x9cpromotional\nbalance\xe2\x80\x9d) in full within the applicable promotional period: (1) the promotional purchase amount, and (2) any related optional credit insurance/debt cancellation\ncharges. If you do not, interest will be assessed on the promotional balance from the date of the purchase. Minimum monthly payments are required. Some\nor all of the minimum payment based on the promotional balance may be applied to other account balances. Regular account terms apply to non-promotional\npurchases and, after promotion ends, to promotional purchases. Offers are subject to credit approval. These promotional offers may not be available at all\ntimes for all purchases. Please see any special promotion advertising or other disclosures provided to you for the full terms of any special promotion offered.\n\nSECTION III: STANDARD PROVISIONS\nSAM\xe2\x80\x99S CLUB\xc2\xae 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\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 Sam\xe2\x80\x99s Club and Walmart locations, including online at SamsClub.com and www.walmart.com and from any merchant that accepts Mastercard\ncredit cards or to obtain cash loans (\xe2\x80\x9cQuick Cash Advances\xe2\x80\x9d) that we may offer at participating Sam\xe2\x80\x99s Club owned registers in Sam\xe2\x80\x99s Club locations.\nEach Quick Cash Advance may only be in the amount of $20.00, $40.00, $60.00, $80.00 or $100.00 and may only be obtained if you are making an\napproved purchase with your card. No more than one cash advance may be obtained on your account each day. Quick Cash Advances will be treated\nas purchases for the purpose of calculating interest. You may get cash advances. You may not use your account to pay amounts you owe us on this\naccount or any other account you have with us. From time to time, in our sole discretion, we may offer you the chance to transfer balances from your\nother credit card accounts to this account. Details of the terms applicable to the balance transfer will be provided with the offer.\n\n4\n\n\x0cCash 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.\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.\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\napprove a transaction that makes you go over your credit limit or your cash advance limit, we do not give up any rights under this Agreement and we\ndo not treat it as an increase in either limit.\nHOW AND WHEN TO MAKE PAYMENTS\nWhen Payments Are Due. You must pay at least the total minimum payment due on your account by 5 p.m. (ET) on the due date of each billing cycle.\nPayments received after 5 p.m. (ET) will be credited as of the next day. You may at any time pay, in whole or in part, the total unpaid balance without\nany additional charge for prepayment. If you have a balance subject to interest, earlier payment may reduce the amount of interest you will pay. We may\ndelay making credit available on your account in the amount of your payment even though we will credit your payment when we receive it.\nPayment Options. You can pay by mail, online or at a Sam's Club or Walmart store. We may allow you to make payments over the phone but we will\ncharge you a fee to make expedited phone payments. Your payment must be made in U.S. dollars by physical or electronic check, money order or a\nsimilar instrument from a bank located in the United States.\nHow To Make A Payment. You must follow the instructions for making payments provided on your billing statement. If you do not, credit of your\npayment may be delayed up to five days. Your billing statement also explains how information on your check is used.\nPayment Allocation. We will apply the required total minimum payment to balances on your account using any method we choose. Any payment you\nmake in excess of the required total minimum payment will be applied to higher APR balances before lower APR balances. Applicable law may require\nor permit us to apply excess payments in a different manner in certain situations, such as when your account has a certain type of special promotion.\nINFORMATION ABOUT YOU\nUsing And Sharing Your Information. When you applied for an account, you gave us and Sam\xe2\x80\x99s Club information about yourself that we could share\nwith each other. Sam\xe2\x80\x99s Club 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.\nCredit 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 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.\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 1-866-220-0254. 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\n5\n\n\x0cMembership Billing/Cancellation. Your Sam\xe2\x80\x99s Club Membership (\xe2\x80\x9cMembership\xe2\x80\x9d) fees will be charged annually to your Account on or before\nyour Membership renewal date. Your acceptance of the Card constitutes your agreement to such billing. You are not required to apply and/or\nhave an Account in order to have a Membership, but you must be a Member in order to apply and/or have an Account. If your Membership is suspended\nor canceled for any reason, including but not limited to, a breach of any of the terms of the Membership Conditions and Rules of Operation, then you\nunderstand that you will not be able to use this Account. In addition, if your Account is 90 days or more past due, then your Membership may be\nsuspended or cancelled at Sam\xe2\x80\x99s Club\xe2\x80\x99s sole discretion.\nPlus Members with a Sam\xe2\x80\x99s Club World Elite Mastercard. You are required to maintain a Plus Membership. If your Plus Membership is suspended\nor cancelled for any reason, including but not limited to, a breach of any of the terms of the Plus Membership Conditions and Rules of Operation, then\nyou may be issued either a Sam\xe2\x80\x99s Club Mastercard or Sam\xe2\x80\x99s Club World Elite Mastercard (Subject to credit approval) to replace your Sam\xe2\x80\x99s Club Plus\nMember World Elite Mastercard within six months of the membership suspension or cancellation.\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 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, the following are intended beneficiaries of this\nArbitration section and may enforce it in full (notwithstanding any state law to the contrary): (a) Sam\xe2\x80\x99s Club and its affiliates; and (b) any assignee, agent,\nor service provider of ours that collects amounts due on your account.\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\n(such as any disclosures, advertisements, promotions or oral or written statements, warranties or representations made by us), an application for or denial\nof credit, 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\ncourt, but may use different procedural rules. The arbitrator will apply the same statutes of limitation and privileges that a court would apply if the matter\nwere 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,\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.\n\n6\n\n\x0c13. 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\nSECTION IV: OTHER IMPORTANT INFORMATION\nSAM\xe2\x80\x99S CLUB\xc2\xae 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\ncredit card agreement posted online or provided to the CFPB.\n\nFR833282333_SAM\xe2\x80\x99S CLUB\xc2\xae MASTERCARD\xc2\xae\nTC DC PDF WF3174533E, WF3174533G\n3/2021\n7\n\n\x0c"


b'FR833282333_BP VISA SIGNATURE CREDIT CARD\nT&C DC PDF WF1246036C\n12/19\n\nSYNCHRONY BANK\nSECTION I: RATES AND FEES TABLE\nBP VISA SIGNATURE\xc2\xae CREDIT CARD ACCOUNT AGREEMENT\nPRICING INFORMATION\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n29.99%\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\ninterest on 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 Cash Advance\n\nEither $10 or 5% of the amount of each cash advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\n3% of each transaction.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39.\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cdaily balance.\xe2\x80\x9d See your credit card account agreement below for\nmore details.\nThis card is issued by Synchrony Bank pursuant to a license from Visa U.S.A. Inc.\nSECTION II: RATES, FEES AND PAYMENT INFORMATION\nBP VISA SIGNATURE\xc2\xae 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 is the applicable APR times 1/365.\nInterest will be imposed in amounts or at rates not in excess of those permitted by applicable law.\nThe daily rate for purchases is .08217% (APR 29.99%).\nThe daily rate for cash advances is .08217% (APR 29.99%).\n\nWhen We Charge\nInterest\n\nPurchases. We charge interest on your purchases from the date you make the purchase until you pay the purchase in full. See\nexceptions below.\n\xe2\x80\xa2 We will not charge you interest during a billing cycle on any purchases if:\n1. You had no balance at the start of the billing cycle; OR\n2. \x07You 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\t\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.\nCash Advances. We charge interest on your cash advances, and their related fees, from the date you make the transaction until you\npay them in full. You cannot avoid paying interest on cash advances or their related fees.\n\n1\n\n\x0cHow We Calculate\nInterest\n\nWe figure the interest charge on your account separately for each balance type. We do this by applying the daily rate to the daily balance\nfor each day in the billing cycle. A separate daily balance is calculated for the following balance types, as applicable: purchases, cash\nadvances and balances subject to different interest rates, plans or special promotions. See below for how this works.\n1. \x07How to get the daily balance: We take the starting balance each day, add any new charges and fees, and subtract any payments\nor credits. This gives us the daily balance.\nWe apply fees to balance types as follows:\n(a) late payment fees are treated as new purchases;\n(b) debt cancellation fees are added proportionately to each balance;\n(c) cash advance fees are added to the cash advance balance; and\n(d) foreign transaction fees are added to the purchase balance.\n2. How to get the daily interest amount: We multiply each daily balance by the daily rate that applies.\n3. How to get the starting balance for the next day: We add the daily interest amount in step 2 to the daily balance from step 1.\n4. \x07How to get the interest charge for the billing cycle: We add all the daily interest amounts that were charged during the\nbilling cycle.\nWe charge a minimum of $2.00 of interest in any billing cycle in which you owe interest. This charge is added proportionately to each\nbalance type.\n\nHow Fees Work\nCash Advance Fee\n\nWe will charge this fee for each cash advance you make. For ATM cash advances this fee is in addition to any fee the ATM owner may\ncharge you for use of the ATM.\n\nForeign\nTransaction Fee\n\nWe will charge this fee for purchases or cash advances you make in currencies other than U.S. dollars and/or in a country other than the\nU.S., whether or not the transaction was in a foreign currency.\nIf you make a transaction with your account in a currency other than U.S. dollars, Visa U.S.A. Inc. (\xe2\x80\x9cVisa\xe2\x80\x9d) will convert the transaction\namount into U.S. dollars using its currency conversion procedure. Under the currency conversion procedure that Visa currently uses, the\nnon-U.S. dollar transaction amount is converted into a U.S. dollar amount by multiplying the transaction amount in the non-U.S. dollar\ncurrency by a currency conversion rate. Currently, Visa operating regulations provide that the currency conversion rate is either (1) a rate\nselected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate\nmay vary from the rate Visa itself receives, or (2) the government-mandated rate in effect for the applicable central processing date. The\ncurrency conversion rate that is in effect on the central processing date may differ from the rate in effect on the transaction date or the\nposting date, and may be higher than the rate you could have gotten if you had converted U.S. dollars into the foreign currency.\n\nLate Payment Fee\n\nWe will charge this fee if we do not receive the total minimum payment due on your account by 5 p.m. (ET) on the due date. This fee is\nequal to:\n1. $28, if you have paid your total minimum payment due by the due date in each of the prior six billing cycles.\nOR\n2. $39, if you have failed to pay your total minimum payment due by the due date in any one or more of the prior six billing cycles.\nThe late payment fee will 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. $28, or $39 (which includes any past due amounts) if you have failed to pay the total minimum payment due by the due date in any one or more of the prior six\nbilling cycles.\nOR\n2. The sum of:\na. Any past due amounts; PLUS\nb. \x071% of your new balance shown on your billing statement (excluding any balance in connection with a special promotional purchase with a unique payment\ncalculation); PLUS\nc. Any late payment fees charged in the current billing cycle; PLUS\nd. All interest charged in the current billing cycle; PLUS\ne. Any payment due in connection with a special promotional purchase with a unique payment calculation.\nWe round up to the next highest whole dollar in figuring your total minimum payment. Your total minimum payment will never be more than your new balance. Payments\nrequired in connection with a special promotional purchase with a unique payment calculation will not be increased to, but may be included in the $28 or $39 minimum\namount otherwise due on your account.\n\n2\n\n\x0cSECTION III: STANDARD PROVISIONS\nBP VISA SIGNATURE\xc2\xae CREDIT CARD ACCOUNT AGREEMENT\nABOUT THE CREDIT CARD ACCOUNT AGREEMENT\nThis Agreement. This is an Agreement between you and Synchrony Bank, 170 Election Road, Suite 125, Draper, UT 84020, for your credit card 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\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 BP and\nAmoco locations in the United States and from any merchant that accepts Visa credit cards. You may get cash advances as further explained below. You may not\nuse 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 check for\nany reason stated on the check. You can also get cash or make a withdrawal from any institution or ATM that accepts the card or the account. In addition, we will\ntreat any purchase of certain cash like items as cash advances. Cash like items include for example, money orders, cashier\xe2\x80\x99s checks, traveler\xe2\x80\x99s checks, electronic or\nwire transfers, foreign currency or other in bank transactions, tax payments, lottery tickets or other legalized gambling transactions, court costs, bail bonds and fines.\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\nUsing And Sharing Your Information. When you applied for an account, you gave us and BP Products North America Inc. information about yourself that we\ncould share with each other. BP Products North America 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 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\n3\n\n\x0cIMPORTANT 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 965024,\nOrlando, FL 32896-5024. Tell us what information is wrong and why you think it is wrong. If you have a copy of the credit report that includes the wrong information,\nsend us a copy.\nDefault. You are in default if you make a late payment, do not follow any other term of this Agreement or become bankrupt or insolvent. If you default or upon your\ndeath, we may (a) request payment of the full amount due right away, (b) take legal action to collect the amounts owed, and/or (c) take any other action allowed.\nDisputed Amounts. The billing rights summary in section IV of this Agreement describes what to do if you think there is a mistake on your bill. If\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 1-844-832-0030. You will not be liable for unauthorized use\non 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 at BP and Amoco locations are processed by Synchrony Bank and\nare not processed on the Visa network. As a result, these transactions are not eligible for certain benefits that apply to transactions processed over the Visa network.\nFor example, transactions at BP and Amoco locations do not count as eligible transactions for promotions that are sponsored by Visa, such as \xe2\x80\x9cVisa Extras.\xe2\x80\x9d Your\naccount is protected against unauthorized use as provided in this Agreement. In addition, Visa\xe2\x80\x99s Zero Liability policy applies to all transactions not made at BP and\nAmoco locations.\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\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 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\nWILL BE AVAILABLE; AND (4) APPEAL RIGHTS WILL BE LIMITED.\n1.\xe2\x80\x82\x07\nCLAIMS 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\nto your account, your account Agreement or our relationship, except as noted below. In addition, BP Products North America 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 in full\n(notwithstanding any state law to the contrary).\n2.\xe2\x80\x82\x07This 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.\xe2\x80\x82\x07Examples 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 credit,\nany product or service provided by us or third parties in connection with the Agreement, credit reporting, benefit programs related to your account including\nany reward program, the collection of amounts due by our assignees, service providers, or agents and the manner of collection.\n4.\xe2\x80\x82\x07However, 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\nin 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 party or\nany claim later asserted by a party in any related or unrelated lawsuit, including modifying an individual claim to assert a class, representative or multi-party\nclaim. 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.\xe2\x80\x82\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. 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 NOT\nAN ACCOUNTHOLDER ON YOUR ACCOUNT, AND YOU AGREE THAT ONLY ACCOUNTHOLDERS ON YOUR ACCOUNT MAY BE JOINED IN A SINGLE\nARBITRATION 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 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.\n\n4\n\n\x0c8.\xe2\x80\x82\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\nmay use different procedural rules. The arbitrator will apply the same statutes of limitation and privileges that a court would apply if the matter were pending\nin court.\n9.\xe2\x80\x82\x07The 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.\xe2\x80\x82\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\nif you cannot obtain a waiver of fees from the administrator and are acting in good faith. We will always pay arbitration costs required by the administrator\xe2\x80\x99s\nrules 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 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\nsection 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 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.\n14. H\n\x07 OW 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 way\nyou 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\xe2\x80\x99t 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\nSECTION IV: OTHER IMPORTANT INFORMATION\nBP 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\ncard agreement posted online or provided to the CFPB.\n\n5\n\nFR833282333_BP VISA SIGNATURE CREDIT CARD\nT&C DC PDF WF1246036C\n12/19\n\n\x0c'


b'FR833282333 VERIZON VISA SIGNATURE\xc2\xae CREDIT CARD\nDC TC PDF WF2126005C, WF2126005D, WF2126005E\n6/20\n\nSYNCHRONY BANK\nSECTION I: RATES AND FEES TABLE\nVERIZON VISA SIGNATURE\xc2\xae CREDIT CARD 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 (i) 15.49% for Account Type 1, or (ii) 18.49%\nfor Account Type 2, or (iii) 22.49% for Account Type 3.\nRates are determined when you open your account, based on your creditworthiness and\nother factors.\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\nThe APR for balance transfers is the prime rate plus (i) 15.49% for Account Type 1, or\n(ii) 18.49% for Account Type 2, or (iii) 22.49% for Account Type 3.\nRates are determined when you open your account, based on your creditworthiness and\nother factors.\nThis APR 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\nyou any interest on purchases if you pay your entire balance by the due date each\nmonth. We will begin charging interest on balance transfers and cash advances on the\ntransaction 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 Balance Transfer\n\nEither $5 or 5% 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\nNone\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39.\n\n\xe2\x80\xa2 Returned Payment\n\n$28\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\nVERIZON VISA SIGNATURE 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 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.\nFor Account Type 1:\nThe APR for purchases is the prime rate plus 15.49%. As of April 1, 2020, the daily rate for purchases was\n.05135% (APR 18.74%).\nThe APR for balance transfers is the prime rate plus 15.49%. As of April 1, 2020, the daily rate for balance transfers\nwas .05135% (APR 18.74%).\nFor Account Type 2:\nThe APR for purchases is the prime rate plus 18.49%. As of April 1, 2020, the daily rate for purchases was\n.05957% (APR 21.74%).\nThe APR for balance transfers is the prime rate plus 18.49%. As of April 1, 2020, the daily rate for balance transfers\nwas .05957% (APR 21.74%).\nFor Account Type 3:\nThe APR for purchases is the prime rate plus 22.49%. As of April 1, 2020, the daily rate for purchases was\n.07053% (APR 25.74%).\nThe APR for balance transfers is the prime rate plus 22.49%. As of April 1, 2020, the daily rate for balance transfers\nwas .07053% (APR 25.74%).\nDaily Rates May Vary. The APR and the daily rate for purchases and balance transfers on your account vary\nwith the market based on the prime rate. The prime rate for a billing cycle is the highest bank prime loan rate\npublished in The Wall Street Journal in its Money Rates section on the last business day of the calendar month\npreceding the first day of the billing cycle.\nIf the prime rate increases, the daily rate and APR for purchases and balance transfers will increase. As a result,\ninterest, your total minimum payment and the number of payments it would take you to pay off your account\nbalance may increase. We apply any change in rates because of a prime rate change to your entire account\nbalance. 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.\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\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\nbilling 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\nin the previous billing cycle.\nBalance Transfers and Cash Advances. We charge interest on your balance transfers and cash advances,\nand their related fees, from the date you make the transaction until you pay them in full. You cannot avoid paying\ninterest on balance transfers or 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\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, balance transfers, cash advances and balances subject to\ndifferent interest rates, plans or special promotions. See below for how this works.\n1. \x07How to get the daily balance: We take the starting balance each day, add any new charges and fees, and\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) balance transfer fees are added to the balance transfer balance; and\n(d) cash advance fees are added to the cash advance balance.\n2. How to get the daily interest amount: We multiply each daily balance by the daily rate that applies.\n3. How to get the starting balance for the next day: We add the daily interest amount in step 2 to the daily\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\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\nthe ATM owner may charge you for use of the ATM.\n\nForeign Transaction Fee\n\nWe will not charge any additional fee for purchases or cash advances you make in currencies other than U.S.\ndollars and/or in a country other than the U.S.\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. $28, if you have paid your total minimum payment due by the due date in each of the prior six billing cycles.\nOR\n2. $39, if you have failed to pay your total minimum payment due by the due date in any one or more of the prior six\nbilling 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\npayment on your account, is not honored, returned unpaid or cannot be processed for any reason. This fee is\nequal to $28. The returned payment fee 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. $28, or $39 (which includes any past due amounts) if you have failed to pay the total minimum payment due by the due date in any one or more of the prior six\nbilling cycles.\nOR\n2. The sum of:\na. Any past due amounts; PLUS\nb. 1% 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.\n\nSECTION III: STANDARD PROVISIONS\nVERIZON VISA SIGNATURE 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 shown\nabove. By opening or using your account, you agree to the terms of the entire Agreement. The entire Agreement includes the four sections of this document and\nthe application you submitted to us in connection with the account. These documents replace any other agreement relating to your account that you or we made\nearlier or at the same time.\nParties To This Agreement. This Agreement applies to each accountholder approved on the account and each of you is responsible for paying the full\namount due, no matter which one uses the account. We may treat each of you as one accountholder and may refer to each of you as \xe2\x80\x9cyou\xe2\x80\x9d or \xe2\x80\x9cyour.\xe2\x80\x9d\nSynchrony Bank may be referred to as \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d or \xe2\x80\x9cour.\xe2\x80\x9d\nChanges To This Agreement. We may change, add or delete terms of this Agreement, including interest rates, fees and charges.\nSpecial Promotions. The terms of this Agreement apply to any special promotion. However, any special promotional terms that are different than the\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\nVerizon or from any merchant that accepts Visa credit cards. You may get cash advances as further explained below. You may not use your account to\npay amounts you owe us on this account or any other account you have with us. From time to time, in our sole discretion, we may offer you the chance to\ntransfer balances from your other credit card accounts to this 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\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.\n3\n\n\x0cYou 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.\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 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\nan 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. 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 in\nthe 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 Verizon information about yourself that we could share with\neach other. Verizon 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 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 on your\naccount may be shown in your credit report. Tell us if you think we reported wrong information about you to a credit bureau. Write to us at P.O. Box 965015,\nOrlando, FL 32896-5015. Tell us what information is wrong and why you think it is wrong. If you have a copy of the credit report that includes the wrong\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 1-866-850-6188. You will not be liable for unauthorized\nuse on your account, but you will be responsible for all use by anyone you give your card to or allow to use your account.\n\nIMPORTANT INFORMATION ABOUT THIS AGREEMENT\nAssignment. We may sell, assign or transfer any or all of our rights or duties under this Agreement or your account, including our rights to payments. We\ndo not have to give you prior notice of such action. You may not sell, assign or transfer any of your rights or duties under this Agreement or your account.\nEnforceability. If any part of this Agreement is found to be void or unenforceable, all other parts of this Agreement will still apply.\nGoverning Law. Except as provided in the Resolving a Dispute with Arbitration section, this Agreement and your account are governed by federal law\nand, to the extent state law applies, the laws of Utah without regard to its conflicts of law principles. This Agreement has been accepted by us in Utah.\nWaiver. We may give up some of our rights under this Agreement. If we give up any of our rights in one situation, we do not give up the same right in\nanother situation.\n\n4\n\n\x0cRESOLVING A DISPUTE WITH ARBITRATION\nPLEASE READ THIS SECTION CAREFULLY. IF YOU DO NOT REJECT IT, THIS SECTION WILL APPLY TO YOUR ACCOUNT, AND MOST\nDISPUTES BETWEEN YOU AND US WILL BE SUBJECT TO INDIVIDUAL ARBITRATION. THIS MEANS THAT: (1) NEITHER A COURT NOR A\nJURY WILL RESOLVE ANY SUCH DISPUTE; (2) YOU WILL NOT BE ABLE TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING;\n(3) LESS INFORMATION WILL BE AVAILABLE; AND (4) APPEAL RIGHTS WILL BE LIMITED.\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 or\nrelates to your account, your account Agreement or our relationship, except as noted below. In addition, Verizon 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. \x07This 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. \x07Examples 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. \x07However, 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. \x07Only 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. \x07NO 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 NOT\nAN ACCOUNTHOLDER ON YOUR ACCOUNT, AND YOU AGREE THAT ONLY ACCOUNTHOLDERS ON YOUR ACCOUNT MAY BE JOINED IN A SINGLE\nARBITRATION 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 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, Floor\n21, New 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. 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 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\ncourt, but may use different procedural rules. The arbitrator will apply the same statutes of limitation and privileges that a court would apply if the matter\nwere pending in court.\n9. \x07The 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\n(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 individual claim). The\nparties will bear the fees and costs of their attorneys, witnesses and experts. However, the arbitrator will have the authority to award fees and costs of\nattorneys, 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 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 case\nexcept to enforce the award.\n12. \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 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. \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,\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\nname, address, account number, and personal signature, and must be mailed to Synchrony Bank, P.O. Box 965012, Orlando, FL 32896-5012. This is\nthe only way you can reject this section. Rejecting this Arbitration section will not affect any other provision of the Agreement. It will also not affect any\nprior arbitration agreement or dispute resolution provision between you and us, which will remain in full force and effect. If you don\xe2\x80\x99t reject this Arbitration\nsection, it will be effective as of the date of the Agreement and will supersede any prior arbitration agreement between you and us that would otherwise\nbe applicable.\n\n5\n\n\x0cSECTION IV: OTHER IMPORTANT INFORMATION\nVERIZON VISA SIGNATURE 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 VERIZON VISA SIGNATURE\xc2\xae CREDIT CARD\nDC TC PDF WF2126005C, WF2126005D, WF2126005E\n6/20\n6\n\n\x0c'