b'FR833282333_SYNCHRONY PLUS WORLD MASTERCARD\nT&C DC PDF WF3114108D, WF3114108E, WF3114108F\n6/2021\n\nSYNCHRONY BANK\nSECTION I: RATES AND FEES TABLE\nSYNCHRONY PLUS WORLD MASTERCARD\xc2\xae ACCOUNT AGREEMENT\nPRICING INFORMATION\nInterest Rates and Interest Charges\nAnnual Percentage Rate The APR for purchases is the prime rate plus (i) 10.74% for Account Type 1 or (ii) 16.74% for Account\n(APR) for Purchases\nType 2, or (iii) 23.74% for Account Type 3.\nRates are determined when you open your account, based on your creditworthiness and other factors.\nThese rates will vary with the market based on the Prime Rate.\nAPR for Balance\nTransfers\n\nThe APR for balance transfers is the prime rate plus (i) 10.74% for Account Type 1 or (ii) 16.74% for\nAccount Type 2, or (iii) 23.74% for Account Type 3.\nRates are determined when you open your account, based on your creditworthiness and other factors.\nThese rates will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n29.99%\n\nPaying Interest\n\nYour due date is at least 23 days after the close of each billing cycle. We will not charge you any interest\non purchases if you pay your entire balance by the due date each month. We will begin charging interest\non balance transfers and cash advances on the transaction date.\n\nMinimum Interest\nCharge\n\nIf you are charged interest, the charge will be no less than $2.00.\n\nFees\nTransaction Fees\n\xe2\x80\xa2 Balance Transfers\n\nEither $10 or 4% of the amount of each balance transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $10 or 5% of the amount of each cash advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\n3% of each transaction.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $40.\n\n\xe2\x80\xa2 Returned Payment\n\n$29\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cdaily balance.\xe2\x80\x9d See your credit card account agreement that follows\nfor more details.\n\n1\n\n\x0cSECTION II: RATES, FEES AND PAYMENT INFORMATION\nSYNCHRONY PLUS WORLD MASTERCARD\xc2\xae ACCOUNT AGREEMENT\nHow Interest is Calculated\nYour Interest Rate\n\nWe use a daily rate to calculate the interest on the balance on your account each day. The daily rate is the applicable APR times\n1/365. Interest will be imposed in amounts or at rates not in excess of those permitted by applicable law.\nFor Account Type 1:\nThe APR for purchases is the prime rate plus 10.74%. As of March 1, 2021, the daily rate for purchases was .03833% (APR\n13.99%).\nThe APR for balance transfers is the prime rate plus 10.74%. As of March 1, 2021, the daily rate for balance transfers was\n.03833% (APR 13.99%).\nFor Account Type 2:\nThe APR for purchases is the prime rate plus 16.74%. As of March 1, 2021, the daily rate for purchases was .05477% (APR\n19.99%).\nThe APR for balance transfers is the prime rate plus 16.74%. As of March 1, 2021, the daily rate for balance transfers was\n.05477% (APR 19.99%).\nFor Account Type 3:\nThe APR for purchases is the prime rate plus 23.74%. As of March 1, 2021, the daily rate for purchases was .07395% (APR\n26.99%).\nThe APR for balance transfers is the prime rate plus 23.74%. As of March 1, 2021, the daily rate for balance transfers was\n.07395% (APR 26.99%).\nDaily Rates May Vary. The APRs and the daily rates for purchases and balance transfers on your account vary with the market\nbased on the prime rate. The prime rate for a billing cycle is the highest bank prime loan rate published in The Wall Street Journal\nin its Money Rates section on the last business day of the calendar month preceding the first day of the billing cycle.\nIf the prime rate increases, the daily rates and APRs for purchases and balance transfers will increase. As a result, interest, your\ntotal minimum payment and the number of payments it would take you to pay off your account balance may increase. We apply\nany change in rates because of a prime rate change to your entire account balance. A change in the prime rate will take effect\non the first day of the first billing cycle after the change. We may select a new interest rate index if the prime rate is not available.\nThe daily rate for cash advances is .08217% (APR 29.99%).\n\nWhen We Charge Interest\n\nPurchases. We charge interest on your purchases from the date you make the purchase until you pay the purchase in full. See\nexceptions below.\n\xe2\x80\xa2 We will not charge you interest during a billing cycle on any purchases if:\n1. You had no balance at the start of the billing cycle; OR\n2. You had a balance at the start of the billing cycle and you paid that balance in full by the due date in that billing cycle.\n\xe2\x80\xa2 \x07We will credit, as of the start of the billing cycle, any payment you make by the due date that we allocate to purchases if:\n1. You had no balance at the start of the previous billing cycle; OR\n2. \x07You had a balance at the start of the previous billing cycle and you paid that balance in full by the due date in the previous\nbilling cycle.\nBalance Transfers and Cash Advances. We charge interest on your balance transfers and cash advances, and their related\nfees, from the date you make the transaction until you pay them in full. You cannot avoid paying interest on balance transfers or\ncash advances or their related fees.\n\nHow We Calculate Interest\n\nWe figure the interest charge on your account separately for each balance type. We do this by applying the daily rate to the daily\nbalance for each day in the billing cycle. A separate daily balance is calculated for the following balance types, as applicable:\npurchases, balance transfers, cash advances and balances subject to different interest rates, plans or special promotions. See\nbelow for how this works.\n1. \x07How to get the daily balance: We take the starting balance each day, add any new charges and fees, and subtract any\npayments or credits. This gives us the daily balance.\nWe apply fees to balance types as follows:\n(a) late payment fees or returned payment fees are treated as new purchases;\n(b) debt cancellation fees are added proportionately to each balance;\n(c) balance transfer fees are added to the balance transfer balance;\n(d) cash advance fees are added to the cash advance balance; and\n(e) foreign transaction fees are added to the purchase balance.\n2. How to get the daily interest amount: We multiply each daily balance by the daily rate that applies.\n3. How to get the starting balance for the next day: We add the daily interest amount in step 2 to the daily balance from step 1.\n4. How to get the interest charge for the billing cycle: We add all the daily interest amounts that were charged during the billing\ncycle.\nWe charge a minimum of $2.00 of interest in any billing cycle in which you owe interest. This charge is added proportionately to\neach balance type.\n\n2\n\n\x0cHow Fees Work\nBalance Transfer Fee\n\nWe will charge this fee for each balance transfer you make.\n\nCash Advance Fee\n\nWe will charge this fee for each cash advance you make. For ATM cash advances this fee is in addition to any fee the ATM owner\nmay charge you for use of the ATM.\n\nForeign Transaction Fee\n\nWe will charge this fee for purchases or cash advances you make in currencies other than U.S dollars and/or in a country other\nthan the U.S., whether or not the transaction was in a foreign currency.\nIf you make a transaction with your account in a currency other than U.S. dollars, Mastercard will convert the transaction amount\ninto U.S. dollars using its currency conversion procedure. Under the currency conversion procedure that Mastercard currently\nuses, the non-U.S. dollar transaction amount is converted into a U.S. dollar amount by multiplying the transaction amount in the\nnon-U.S. dollar currency by a currency conversion rate. Mastercard\xe2\x80\x99s currency conversion procedure is based on rates observed\nin the wholesale market or government-mandated rates, where applicable. The currency conversion rate that Mastercard uses\nfor a particular transaction is the rate for the applicable currency on the date that the transaction occurred. However, in limited\nsituations, particularly where transaction submissions to Mastercard for processing are delayed, the currency conversion rate that\nMastercard uses may be the rate for the applicable currency on the date that the transaction is processed.\n\nLate Payment Fee\n\nWe will charge this fee if we do not receive the total minimum payment due on your account by 5 p.m. (ET) on the due date. This\nfee is equal to:\n1. $29, if you have paid your total minimum payment due by the due date in each of the prior six billing cycles.\nOR\n2. $40, if you have failed to pay your total minimum payment due by the due date in any one or more of the prior six billing cycles.\nThe late payment fee will not be more than the total minimum payment that was due.\n\nReturned Payment Fee\n\nWe will charge this fee if any check, other instrument, or electronic payment authorization you provide us in payment on your\naccount, is not honored, returned unpaid or cannot be processed for any reason. This fee is equal to $29. The returned payment\nfee will not be more than the amount permitted by applicable law.\n\nMinimum Payment Calculation\nYour total minimum payment is calculated as follows.\nThe greater of:\n1. \x07$29, or $40 (which includes any past due amounts) if you have failed to pay the total minimum payment due by the due date in any one or more of the prior six\nbilling cycles.\nOR\n2. The sum of:\na. Any past due amounts; PLUS\nb. \x071% of your new balance shown on your billing statement (excluding any balance in connection with a special promotional purchase with a unique payment\ncalculation); PLUS\nc. Any late payment fees charged in the current billing cycle; PLUS\nd. All interest charged in the current billing cycle; PLUS\ne. Any payment due in connection with a special promotional purchase with a unique payment calculation.\nWe round up to the next highest whole dollar in figuring your total minimum payment. Your total minimum payment will never be more than your new balance. Payments\nrequired in connection with a special promotional purchase with a unique payment calculation will not be increased to, but may be included in the $29 or $40 minimum\namount otherwise due.\n\nSECTION III: STANDARD PROVISIONS\nSYNCHRONY PLUS WORLD MASTERCARD\xc2\xae ACCOUNT AGREEMENT\nABOUT THE CREDIT CARD ACCOUNT AGREEMENT\nThis Agreement. This is an Agreement between you and Synchrony Bank, 170 Election Road, Suite 125, Draper, UT 84020, for your credit card account shown\nabove. By opening or using your account, you agree to the terms of the entire Agreement. The entire Agreement includes the four sections of this document and the\napplication you submitted to us in connection with the account. These documents replace any other agreement relating to your account that you or we made earlier\nor at the same time.\nParties To This Agreement. This Agreement applies to each accountholder approved on the account and each of you is responsible for paying the full amount\ndue, no matter which one uses the account. We may treat each of you as one accountholder and may refer to each of you as \xe2\x80\x9cyou\xe2\x80\x9d or \xe2\x80\x9cyour.\xe2\x80\x9d Synchrony Bank may\nbe referred to as \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d or \xe2\x80\x9cour.\xe2\x80\x9d\nChanges To This Agreement. We may change, add or delete terms of this Agreement, including interest rates, fees and charges.\nSpecial Promotions. The terms of this Agreement apply to any special promotion. However, any special promotional terms that are different than the terms in this\nAgreement will be explained on promotional advertising or other disclosures provided to you.\n\n3\n\n\x0cHOW TO USE YOUR ACCOUNT/CARD\nUse Of Your Account. You may use your account only for lawful personal, family or household purposes. You may use your account for purchases wherever\nMastercard is accepted. You may get cash advances as further explained below. You may not use your account to pay amounts you owe us on this account or any\nother account you have with us. From time to time, in our sole discretion, we may offer you the chance to transfer balances from your other credit card accounts to\nthis account. Details of the terms applicable to the balance transfer will be provided with the offer.\nCash Advances. We may offer you the opportunity to get a cash advance with convenience checks that we send you. We may not honor a convenience check\nfor any reason stated on the check. You can also get cash or make a withdrawal from any institution or ATM that accepts the card or the account. In addition,\nwe will treat any purchase of certain cash like items as cash advances. Cash like items include for example, money orders, cashier\xe2\x80\x99s checks, traveler\xe2\x80\x99s checks,\nelectronic or wire transfers, foreign currency or other in-bank transactions, tax payments, lottery tickets or other legalized gambling transactions, court costs, bail\nbonds and fines.\nYou Promise To Pay. You promise to pay us for all amounts owed to us under this Agreement.\nYour Responsibility. Each accountholder will receive a card. You may not allow anyone else to use your account. If you do, or if you ask us to send a card to\nsomeone else, you will be responsible for paying for all charges resulting from their transactions.\nTransaction Limits. To prevent fraud, we may limit the number or dollar amount of any type of transactions you can make in any particular amount of time. We also\nmay decline any particular charge on your account for any reason.\nCredit Limit. You will be assigned a credit limit and cash advance limit on your account that we may increase or decrease from time to time. If we approve a\ntransaction that makes you go over your credit limit or your cash advance limit, we do not give up any rights under this Agreement and we do not treat it as an\nincrease in either limit.\n\nHOW AND WHEN TO MAKE PAYMENTS\nWhen Payments Are Due. You must pay at least the total minimum payment due on your account by 5 p.m. (ET) on the due date of each billing cycle. Payments\nreceived after 5 p.m. (ET) will be credited as of the next day. You may at any time pay, in whole or in part, the total unpaid balance without any additional charge for\nprepayment. If you have a balance subject to interest, earlier payment may reduce the amount of interest you will pay. We may delay making credit available on your\naccount in the amount of your payment even though we will credit your payment when we receive it.\nPayment Options. You can pay by mail or online. We may allow you to make payments over the phone but we will charge you a fee to make expedited phone\npayments. Your payment must be made in U.S. dollars by physical or electronic check, money order or a similar instrument from a bank located in the United States.\nHow To Make A Payment. You must follow the instructions for making payments provided on your billing statement. If you do not, credit of your payment may be\ndelayed up to five days. Your billing statement also explains how information on your check is used.\nPayment Allocation. We will apply the required total minimum payment to balances on your account using any method we choose. Any payment you make in\nexcess of the required total minimum payment will be applied to higher APR balances before lower APR balances. Applicable law may require or permit us to apply\nexcess payments in a different manner in certain situations, such as when your account has a certain type of special promotion.\n\nINFORMATION ABOUT YOU\nAddress/Phone Change. You represent that any phone number that you provide to us belongs to you and/or that you are authorized to provide that number.\nYou also agree to tell us right away if you change your address or any phone number.\nConsent To Communications. You consent to us, as well as any other owner or servicer of your account, contacting you through any channel of communication\nand for any purpose, as permitted by applicable law. For informational, servicing, fraud, or collection related communications, you agree that we may use the phone\nnumbers that you provide to us to contact your cellular phone or wireless device with text messages, artificial or prerecorded voice calls, and calls made by an\nautomatic telephone dialing system. Text frequency may vary and may be recurring. This consent applies even if you are charged for the call under your plan. You are\nresponsible for any charges that may be billed to you by your communications carrier when we contact you. Message and data rates may vary. We and any carrier\nare not liable for delayed or undelivered messages. If you have questions, please call the number on the back of your card.\nTelephone Monitoring. For quality control, you allow us to listen to and/or record telephone calls between you and us.\n\nIMPORTANT INFORMATION ABOUT YOUR ACCOUNT\nClosing Your Account. You may close your account at any time by sending a letter to the address shown on your billing statement or calling customer service.\nWe may close your account at any time, for any reason. If your account is closed, you must stop using it. You must still pay the full amount you owe and this\nAgreement will remain in effect until you do.\nCollection Costs. If we ask an attorney who is not our salaried employee to collect your account, we may charge you our collection costs. These include court\ncosts and reasonable attorneys\xe2\x80\x99 fees.\nCredit Bureau Reporting. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your\naccount may be shown in your credit report. Tell us if you think we reported wrong information about you to a credit bureau. Write to us at P.O. Box 965005,\nOrlando, FL 32896-5005. Tell us what information is wrong and why you think it is wrong. If you have a copy of the credit report that includes the wrong information,\nsend us a copy.\nDefault. You are in default if you make a late payment, do not follow any other term of this Agreement or become bankrupt or insolvent. If you default or\nupon your death, we may (a) request payment of the full amount due right away, (b) take legal action to collect the amounts owed, and/or (c) take any other\naction allowed.\nDisputed Amounts. The billing rights summary in section IV of this Agreement describes what to do if you think there is a mistake on your bill. If\nyou send us correspondence about a disputed amount or payment, you must send it to the address for billing inquiries. We do not give up any\nrights under this Agreement if we accept a payment marked \xe2\x80\x9cpayment in full\xe2\x80\x9d or given with any other conditions or limitations.\nUnauthorized Use. If your card is lost, stolen or used without your consent, call us immediately at 1-844-406-7427. You will not be liable for unauthorized use on\nyour account, but you will be responsible for all use by anyone you give your card to or allow to use your account.\n\n4\n\n\x0cIMPORTANT INFORMATION ABOUT THIS AGREEMENT\nAssignment. We may sell, assign or transfer any or all of our rights or duties under this Agreement or your account, including our rights to payments. We do not\nhave to give you prior notice of such action. You may not sell, assign or transfer any of your rights or duties under this Agreement or your account.\nEnforceability. If any part of this Agreement is found to be void or unenforceable, all other parts of this Agreement will still apply.\nGoverning Law. Except as provided in the Resolving a Dispute with Arbitration section, this Agreement and your account are governed by federal law and, to the\nextent state law applies, the laws of Utah without regard to its conflicts of law principles. This Agreement has been accepted by us in Utah.\nWaiver. We may give up some of our rights under this Agreement. If we give up any of our rights in one situation, we do not give up the same right in\nanother situation.\n\nRESOLVING A DISPUTE WITH ARBITRATION\nPLEASE READ THIS SECTION CAREFULLY. IF YOU DO NOT REJECT IT, THIS SECTION WILL APPLY TO YOUR ACCOUNT, AND MOST DISPUTES\nBETWEEN YOU AND US WILL BE SUBJECT TO INDIVIDUAL ARBITRATION. THIS MEANS THAT: (1) NEITHER A COURT NOR A JURY WILL RESOLVE\nANY SUCH DISPUTE; (2) YOU WILL NOT BE ABLE TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING; (3) LESS INFORMATION\nWILL BE AVAILABLE; AND (4) APPEAL RIGHTS WILL BE LIMITED.\n1. C\n\x07 LAIMS AND PARTIES. If either you or we make a demand for arbitration, you and we must arbitrate any dispute or claim between you (including any other\nuser of your account), and us (including our parents, affiliates, agents, employees, officers, and assignees) that directly or indirectly arises from or relates to your\naccount, your account Agreement or our relationship, except as noted below. In addition, any assignee, agent, or service provider of ours that collects amounts\ndue on your account are intended beneficiaries of this Arbitration section and may enforce it in full (notwithstanding any state law to the contrary).\n2. T\n\x07 his Arbitration section broadly covers claims based upon contract, tort, consumer rights, fraud and other intentional torts, negligence, constitution, statute,\nregulation, ordinance, common law and equity and claims for money damages and injunctive or declaratory relief, even if they arose before this section took\neffect. You may not sell, assign or transfer a claim.\n3. \x07E xamples of claims subject to arbitration are disputes about an account transaction, fees, charges or interest, the events leading up to the Agreement (such as\nany disclosures, advertisements, promotions or oral or written statements, warranties or representations made by us), an application for or denial of credit, any\nproduct or service provided by us or third parties in connection with the Agreement, credit reporting, benefit programs related to your account including any\nreward program, the collection of amounts due by our assignees, service providers, or agents and the manner of collection.\n4. H\n\x07 owever, we will not require you to arbitrate any individual case in small claims court or your state\xe2\x80\x99s equivalent court, so long as it remains an individual case in\nthat court. Also, even if all parties have opted to litigate a claim in court, you or we may elect arbitration with respect to any claim made by a new party or any\nclaim later asserted by a party in any related or unrelated lawsuit, including modifying an individual claim to assert a class, representative or multi-party claim.\nArbitration may be requested at any time, even where there is a pending lawsuit, unless a trial has begun, or a final judgment entered.\n5. \x07Only a court will decide disputes about the validity, enforceability, coverage or scope of this Arbitration section or any part thereof. However, any dispute that\nconcerns the validity or enforceability of the Agreement as a whole is for the arbitrator to decide.\n6. \x07NO CLASS ACTIONS. IF EITHER YOU OR WE ELECT TO ARBITRATE A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT (A) TO PARTICIPATE IN\nA CLASS ACTION, PRIVATE ATTORNEY GENERAL ACTION OR OTHER REPRESENTATIVE ACTION IN COURT OR IN ARBITRATION, EITHER AS A CLASS\nREPRESENTATIVE OR CLASS MEMBER, OR (B) TO JOIN OR CONSOLIDATE CLAIMS WITH CLAIMS OF ANY OTHER PERSONS EXCEPT ACCOUNTHOLDERS\nON YOUR ACCOUNT. THUS, YOU MAY NOT BRING CLAIMS AGAINST US ON BEHALF OF ANY ACCOUNTHOLDER WHO IS NOT AN ACCOUNTHOLDER\nON YOUR ACCOUNT, AND YOU AGREE THAT ONLY ACCOUNTHOLDERS ON YOUR ACCOUNT MAY BE JOINED IN A SINGLE ARBITRATION WITH ANY\nCLAIM YOU HAVE.\n7. \x07PROCEDURES. The party who wants to arbitrate must notify the other party in writing. This notice can be given after the beginning of a lawsuit or in\npapers filed in the lawsuit. Otherwise, your notice must be sent to Synchrony Bank, Legal Operation, P.O. Box 29110, Shawnee Mission, KS 66201-5320,\nATTN: ARBITRATION DEMAND. The party seeking arbitration must select either the American Arbitration Association (AAA), 120 Broadway, Floor 21,\nNew York, NY 10271, www.adr.org, or JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, www.jamsadr.com, to administer the arbitration. If neither\nadministrator can handle the dispute, a court with jurisdiction will appoint an arbitrator.\n8. \x07The arbitration administrator will appoint the arbitrator and will tell the parties what to do next. The arbitrator must be a lawyer with at least ten years of legal\nexperience. The arbitrator must apply the same law, consistent with the Federal Arbitration Act (FAA), that would apply to an individual action in court, but may\nuse different procedural rules. The arbitrator will apply the same statutes of limitation and privileges that a court would apply if the matter were pending in court.\n9. T\n\x07 he arbitrator may award any damages or other relief or remedies that would apply under applicable law to an individual action brought in court, including,\nwithout limitation, punitive damages (governed by the Constitutional standards employed by the courts) and injunctive, equitable and declaratory relief (but only\nin favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party\xe2\x80\x99s individual claim). The parties will bear\nthe fees and costs of their attorneys, witnesses and experts. However, the arbitrator will have the authority to award fees and costs of attorneys, witnesses and\nexperts to the extent permitted by the Agreement, the administrator\xe2\x80\x99s rules or applicable law.\n10. \x07The arbitration will take place by phone or at a location reasonably convenient to you. If you ask, we will pay all the fees the administrator or arbitrator charges if\nyou cannot obtain a waiver of fees from the administrator and are acting in good faith. We will always pay arbitration costs required by the administrator\xe2\x80\x99s rules\nor that are necessary for this Arbitration section to be enforced.\n11. \x07GOVERNING LAW. This Arbitration section is governed by the FAA. Utah law shall apply to the extent state law is relevant under the FAA, unless otherwise\nstated herein. The arbitrator\xe2\x80\x99s award will be final and binding, except for any appeal right under the FAA. Any court with jurisdiction may enter judgment upon\nthe arbitrator\xe2\x80\x99s award. The arbitration award and any judgment confirming it will apply only to the specific case and cannot be used in any other case except\nto enforce the award.\n12. \x07SURVIVAL. This Arbitration section shall survive the repayment of all amounts owed, the termination, cancellation or suspension of the Agreement or your\naccount or credit privileges, any legal proceeding, and any bankruptcy by you, to the extent consistent with applicable bankruptcy law. If this Arbitration section\nconflicts with the applicable arbitration rules or the other provisions of the Agreement, this Arbitration section shall govern.\n13. \x07SEVERABILITY. If any portion of this Arbitration section is held to be invalid or unenforceable, the remaining portions shall nevertheless remain in force with\nthe following two exceptions. First, if a determination is made that the \xe2\x80\x9cNo Class Actions\xe2\x80\x9d provision is unenforceable, and that determination is not reversed on\nappeal, then this Arbitration section shall be void in its entirety. Second, if a court determines that a public injunctive relief claim may proceed notwithstanding\nthe \xe2\x80\x9cNo Class Actions\xe2\x80\x9d provision, and that determination is not reversed on appeal, then the public injunctive relief claim will be decided by a court, and any\nindividual claims will be arbitrated. The parties will ask the court to stay the public injunctive relief claim until the other claims have been finally concluded.\n\n5\n\n\x0c14. \x07HOW TO REJECT ARBITRATION. You may reject this Arbitration section. If you do that, a court will resolve any dispute or claim. To reject this section, send\nus a notice within 45 days after you open your account or we first provided you with your right to reject this section. The notice must include your name, address,\naccount number, and personal signature, and must be mailed to Synchrony Bank, P.O. Box 965012, Orlando, FL 32896-5012. This is the only way you can\nreject this section. Rejecting this Arbitration section will not affect any other provision of the Agreement. It will also not affect any prior arbitration agreement or\ndispute resolution provision between you and us, which will remain in full force and effect. If you don\xe2\x80\x99t reject this Arbitration section, it will be effective as of the\ndate of the Agreement and will supersede any prior arbitration agreement between you and us that would otherwise be applicable.\n\nSECTION IV: OTHER IMPORTANT INFORMATION\nSYNCHRONY PLUS WORLD MASTERCARD\xc2\xae ACCOUNT AGREEMENT\nThis section of the agreement includes state notices, billing rights summary and rewards terms (if applicable) and is not required to be provided as part of the credit card\nagreement posted online or provided to the CFPB.\n\n6\n\nFR833282333_SYNCHRONY PLUS WORLD MASTERCARD\nT&C DC PDF WF3114108D, WF3114108E, WF3114108F\n6/2021\n\n\x0c'


b'FR833282333 PS OPE CREDIT CARD\nTC 201-909-00 38303S\n6/19\n\nSYNCHRONY BANK\nSECTION I: RATES AND FEES TABLE\nPS OPE CREDIT CARD ACCOUNT AGREEMENT\nPRICING INFORMATION\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n26.99%\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 non-promotional purchases 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.\n\nFees\nTransaction Fees\n\xe2\x80\xa2 Promotional\n\n$50 for promotions with a duration of 12 to 18 months.\n$150 for promotions with a duration of 19 or more months.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\n\nUp to $39.\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\nthat follows for more details.\n\n1\n\n\x0cSECTION II: RATES, FEES AND PAYMENT INFORMATION\nHow Interest Is Calculated\nYour Interest Rate\n\nWe use a daily rate to calculate the interest on the balance on your account each day. The daily rate for\npurchases is the APR times 1/365. The daily rate for purchases is .07395% (APR 26.99%). Interest will be\nimposed in amounts or at rates not in excess of those permitted by applicable law.\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\nfull. See exceptions below.\n\xe2\x80\xa2 We will not charge you interest during a billing cycle on any non-promotional purchases if:\n1. You had no balance at the start of the billing cycle; OR\n2.\t\x07You had a balance at the start of the billing cycle and you paid that balance in full by the due date in that\nbilling cycle.\nWe always charge interest on promotional purchases and their related fees from the date you make the purchase.\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 non-promotional purchases if:\n1. You had no balance at the start of the previous billing cycle; OR\n2.\t\x07You had a balance at the start of the previous billing cycle and you paid that balance in full by the due\ndate in the previous billing cycle.\n\nHow We Calculate Interest\n\nWe figure the interest charge on your account separately for each balance type. We do this by applying the\ndaily rate to the daily balance for each day in the billing cycle. A separate daily balance is calculated for the\nfollowing balance types, as applicable: purchases and balances subject to different interest rates, plans or\nspecial promotions. See below for more details on 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. Debt cancellation fees, if any, and\nlate payment or returned payment fees are treated as new purchases.\n2. How to get the daily interest amount: We multiply each daily balance by the daily rate that applies.\n3. 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. Interest, as calculated\nabove, is added as applicable to each balance type. Minimum interest charges in excess of the calculated\ninterest are treated as new purchases.\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)\non the due date. This fee is equal to:\n1. $28, if you have paid your total minimum payment due by the due date in each of the prior six\nbilling 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\nprior six billing cycles.\nThe late payment fee will not be more than the total minimum payment that was due.\n\nReturned Payment Fee\n\nWe will charge this fee if any check, other instrument, or electronic payment authorization you provide us in\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 sum of:\na. For the new balance shown on your billing statement (excluding any balance attributable to a special promotional purchase with a unique payment\ncalculation), the greater of:\n\t\t (i) $35; or\n\t\t (ii) \t\x073.25% of the new balance shown on your billing statement; or\n(iii) The sum of 1% of your new balance shown on your billing statement plus interest and late payment fees charged in the current billing cycle; PLUS\nb. Any past due amounts; PLUS\nc. Any payment due in connection with a special promotional purchase with a unique payment calculation. We round up to the next highest whole dollar\nin figuring your total minimum payment. Your total minimum payment will never be more than your new balance.\n\n2\n\n\x0cSECTION III: STANDARD PROVISIONS\nABOUT THE CREDIT CARD ACCOUNT AGREEMENT\nThis Agreement. This is an Agreement between you and Synchrony Bank, 170 Election Road, Suite 125, Draper, UT 84020, for your credit card account.\nBy opening or using your account, you agree to the terms of the entire Agreement. The entire Agreement includes the four sections of this document and\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\nmade 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 terms\nin 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 from\ndealers/merchants/retailers that accept the card.\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\nto 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 your\ncredit limit, we do not give up any rights under this Agreement and we do not treat it as an increase in your credit limit.\nHOW AND WHEN TO MAKE PAYMENTS\nWhen Payments Are Due. You must pay at least the total minimum payment due on your account by 5 p.m. (ET) on the due date of each billing cycle.\nPayments received after 5 p.m. (ET) will be credited as of the next day. You may at any time pay, in whole or in part, the total unpaid balance without 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, online or at certain dealers/merchants/retailers that accept the card and payments. We may allow you to make\npayments over the phone but we will charge you a fee to make expedited phone payments. Your payment must be made in U.S. dollars by physical or\nelectronic 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\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 make\nin excess of the required total minimum payment will be applied to higher APR balances before lower APR balances. Applicable law may require or permit us\nto 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, dealers/merchants/retailers that accept the card and program\nsponsors information about yourself that we could share with each other. Dealers/merchants/retailers that accept the card and program sponsors (and their\nrespective affiliates) will use the information in connection with the credit program and for things like creating and updating their records and offering you\nspecial benefits. More information about how we use and share information is set forth in the privacy policy for your account.\nAddress/Phone Change. You represent that any phone number that you provide to us belongs to you and/or that you are authorized to provide that number. You\nalso agree to tell us right away if you change your address or any phone number.\nConsent to Communications. You consent to us, as well as any other owner or servicer of your account, contacting you through any channel of\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 on\nthe back of your card.\nTelephone Monitoring. For quality control, you allow us to listen to 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 you owe\nand 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 Synchrony Bank,\nP.O. Box 965036, Orlando, FL 32896-5036. Tell us what information is wrong and why you think it is wrong. If you have a copy of the credit report that\nincludes the wrong information, send us a copy.\nDefault. You are in default if you make a late payment, do not follow any other term of this Agreement or become bankrupt or insolvent. If you default or\nupon your death, we may (a) request that you pay the full amount due right away, (b) take legal action to collect the amounts owed, and/or (c) take any other\naction allowed.\n\n3\n\n\x0cDisputed 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.\nIf you send us correspondence about a disputed amount or payment, you must send it to the address for billing inquiries. We do not give up\nany 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 866-396-8254. 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.\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 and,\nto 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.\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; (3)\nLESS 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 other\nuser of your account), and us (including our parents, affiliates, agents, employees, officers, and assignees) that directly or indirectly arises from or relates to your\naccount, your account Agreement or our relationship, except as noted below. In addition, dealers/merchants/retailers 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 any\nstate law to the contrary).\n2. This Arbitration section broadly covers claims based upon contract, tort, consumer rights, fraud and other intentional torts, negligence, constitution, statute,\nregulation, ordinance, common law and equity and claims for money damages and injunctive or declaratory relief, even if they arose before this section took\neffect. You may not sell, assign or transfer a claim.\n3. Examples of claims subject to arbitration are disputes about an account transaction, fees, charges or interest, the events leading up to the Agreement (such\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. However, we will not require you to arbitrate any individual case in small claims court or your state\xe2\x80\x99s equivalent court, so long as it remains an individual case in\nthat court. Also, even if all parties have opted to litigate a claim in court, you or we may elect arbitration with respect to any claim made by a new party or any\nclaim later asserted by a party in any related or unrelated lawsuit, including modifying an individual claim to assert a class, representative or multi-party claim.\nArbitration may be requested at any time, even where there is a pending lawsuit, unless a trial has begun, or a final judgment entered.\n5. Only a court will decide disputes about the validity, enforceability, coverage or scope of this Arbitration section or any part thereof. However, any dispute that\nconcerns the validity or enforceability of the Agreement as a whole is for the arbitrator to decide.\n6. NO CLASS ACTIONS. IF EITHER YOU OR WE ELECT TO ARBITRATE A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT (A) TO PARTICIPATE\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 AN\nACCOUNTHOLDER 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. PROCEDURES. The party who wants to arbitrate must notify the other party in writing. This notice can be given after the beginning of a lawsuit or in papers\nfiled in the lawsuit. Otherwise, your notice must be sent to Synchrony Bank, Legal Operation, P.O. Box 29110, Shawnee Mission, KS 66201-5320, ATTN:\nARBITRATION DEMAND. The party seeking arbitration must select either the American Arbitration Association (AAA), 120 Broadway, Floor 21, New York, NY\n10271, www.adr.org, or JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, www.jamsadr.com, to administer the arbitration. If neither administrator\ncan handle the dispute, a court with jurisdiction will appoint an arbitrator.\n8. The arbitration administrator will appoint the arbitrator and will tell the parties what to do next. The arbitrator must be a lawyer with at least ten years of legal\nexperience. The arbitrator must apply the same law, consistent with the Federal Arbitration Act (FAA), that would apply to an individual action in court, but may\nuse different procedural rules. The arbitrator will apply the same statutes of limitation and privileges that a court would apply if the matter were pending in court.\n9. The arbitrator may award any damages or other relief or remedies that would apply under applicable law to an individual action brought in court, including,\nwithout limitation, punitive damages (governed by the Constitutional standards employed by the courts) and injunctive, equitable and declaratory relief (but only\nin favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party\xe2\x80\x99s individual claim). The parties will bear the\nfees and costs of their attorneys, witnesses and experts. However, the arbitrator will have the authority to award fees and costs of attorneys, witnesses and\nexperts to the extent permitted by the Agreement, the administrator\xe2\x80\x99s rules or applicable law.\n10. The arbitration will take place by phone or at a location reasonably convenient to you. If you ask, we will pay all the fees the administrator or arbitrator charges if\nyou cannot obtain a waiver of fees from the administrator and are acting in good faith. We will always pay arbitration costs required by the administrator\xe2\x80\x99s rules\nor that are necessary for this Arbitration section to be enforced.\n11. GOVERNING LAW. This Arbitration section is governed by the FAA. Utah law shall apply to the extent state law is relevant under the FAA, unless otherwise\nstated herein. The arbitrator\xe2\x80\x99s award will be final and binding, except for any appeal right under the FAA. Any court with jurisdiction may enter judgment upon\nthe arbitrator\xe2\x80\x99s award. The arbitration award and any judgment confirming it will apply only to the specific case and cannot be used in any other case except\nto 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 section\nconflicts with the applicable arbitration rules or the other provisions of the Agreement, this Arbitration section shall govern.\n\n4\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 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. 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 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\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 PS OPE CREDIT CARD\nTC 201-909-00 38303S\n6/19\n5\n\n\x0c'