FR833282333_SAM’S CLUB® MASTERCARD®
TC DC PDF WF3620703E, WF3620703G
12/2021

SYNCHRONY BANK
SECTION I: RATES AND FEES TABLE
SAM’S CLUB® MASTERCARD® ACCOUNT AGREEMENT

PRICING INFORMATION

Interest Rates and Interest Charges

Annual Percentage Rate (APR)  
for Purchases and Quick 
Cash Advances

APR for Cash Advances

Paying Interest

The APR for purchases and quick cash advances is the prime rate plus (i) 12.40% for
Account Type 1, or (ii) 20.40% for Account Type 2.
Rates  are  determined  when  you  open  your  account,  based  on  your  creditworthiness 
and other factors.
    These rates will vary with the market based on the Prime Rate.

The APR for cash advances is the prime rate plus (i) 17.40% for Account Type 1, or 
(ii) 23.40% for Account Type 2.
Rates  are  determined  when  you  open  your  account,  based  on  your  creditworthiness 
and other factors.
    These rates will vary with the market based on the Prime Rate.

Your due date is at least 23 days after the close of each billing cycle. We will not charge 
you  any  interest  on  purchases  if  you  pay  your  entire  balance  by  the  due  date  each 
month. We will begin charging interest on cash advances on the transaction date.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $2.00.

Fees

Transaction Fees

• Cash Advance

Penalty Fees

• Late Payment

Either $5 or 3% of the amount of each cash advance, whichever is greater.

Up to $40.

How We Will Calculate Your Balance: We use a method called “daily balance.” See your credit card account agreement 
below for more details.

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How Interest is Calculated

Your Interest Rate

SECTION II: RATES, FEES AND PAYMENT INFORMATION 
SAM’S CLUB® MASTERCARD® ACCOUNT AGREEMENT

We 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. Interest will be imposed in amounts or at rates not in excess of those permitted 
by applicable law.

For Account Type 1:

The APR for purchases and quick cash advances is the prime rate plus 12.40%. As of March 15, 2021, the 
daily rate for purchases and quick cash advances was .04288% (APR 15.65%).

The APR for cash advances is the prime rate plus 17.40%. As of March 15, 2021, the daily rate for cash 
advances was .05658% (APR 20.65%).

For Account Type 2:

The APR for purchases and quick cash advances is the prime rate plus 20.40%. As of March 15, 2021, the 
daily rate for purchases and quick cash advances was .06480% (APR 23.65%).

The APR for cash advances is the prime rate plus 23.40%. As of March 15, 2021, the daily rate for cash 
advances was .07302% (APR 26.65%).

Daily Rates May Vary. The APRs and the daily rates on your account vary with the market based on the 
prime rate. The prime rate for a billing cycle is the highest bank prime loan rate published in The Wall Street 
Journal in its Money Rates section on the last business day of the calendar month preceding the first day of 
the billing cycle.

If the prime rate increases, the daily rates and APRs will increase. As a result, interest, your total minimum 
payment and the number of payments it would take you to pay off your account balance may increase. We 
apply any change in rates because of a prime rate change to your entire account balance. A change in the 
prime rate will take effect on the first day of the first billing cycle after the change. We may select a new interest 
rate index if the prime rate is not available.

When We Charge Interest 

Purchases. We charge interest on your purchases from the date you make the purchase until you pay the 
purchase in full. See exceptions below.

How We Calculate Interest

•  We will not charge you interest during a billing cycle on any purchases if:

1.  You had no balance at the start of the billing cycle; OR

2.  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.

•  We will credit, as of the start of the billing cycle, any payment you make by the due date that we allocate 

to purchases if:

1.  You had no balance at the start of the previous billing cycle; OR

2.  You had a balance at the start of the previous billing cycle and you paid that balance in full by the due 

date in the previous billing cycle.

Cash Advances. We charge interest on your cash advances, and their related fees, from the date you make the 
transaction until you pay them in full. You cannot avoid paying interest on cash advances or their related fees.

We figure the interest charge on your account separately for each balance type. We do this by applying the 
daily rate to the daily balance for each day in the billing cycle. A separate daily balance is calculated for the 
following balance types, as applicable: purchases, cash advances and balances subject to different interest 
rates, plans or special promotions. See below for how this works.

1.  How to get the daily balance: We take the starting balance each day, add any new charges and fees, 

and subtract any payments or credits. This gives us the daily balance.

We apply fees to balance types as follows:

(a) late payment fees are treated as new purchases; 

(b) debt cancellation fees are added proportionately to each balance; and

(c) cash advance fees are added to the cash advance balance.

2. How to get the daily interest amount: We multiply each daily balance by the daily rate that applies.

3.  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.

4.  How to get the interest charge for the billing cycle: We add all the daily interest amounts that were 

charged during the billing cycle.

We charge a minimum of $2.00 of interest in any billing cycle in which you owe interest. This charge is added 
proportionately to each balance type.

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How Fees Work 

Cash Advance Fee

We 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 charge you for use of the ATM.

Foreign Transaction Fee

We will not charge a foreign transaction fee.

If you make a transaction with your account in a currency other than U.S. dollars, Mastercard will convert the 
transaction amount into U.S. dollars using its currency conversion procedure. Under the currency conversion 
procedure that Mastercard currently uses, the non-U.S. dollar transaction amount is converted into a U.S. 
dollar amount by multiplying the transaction amount in the non-U.S. dollar currency by a currency conversion 
rate.  Mastercard’s  currency  conversion  procedure  is  based  on  rates  observed  in  the  wholesale  market  or 
government-mandated  rates,  where  applicable.  The  currency  conversion  rate  that  Mastercard  uses  for 
a  particular  transaction  is  the  rate  for  the  applicable  currency  on  the  date  that  the  transaction  occurred. 
However, in limited situations, particularly where transaction submissions to Mastercard for processing are 
delayed, the currency conversion rate that Mastercard uses may be the rate for the applicable currency on the 
date that the transaction is processed.

Late Payment Fee

We 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 equal to:

1. $29, if you have paid your total minimum payment due by the due date in each of the prior six billing cycles.

OR

2.  $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.

The late payment fee will not be more than the total minimum payment that was due.

Minimum Payment Calculation

Your total minimum payment is calculated as follows.

The greater of:

1.  $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 more 

of the prior six billing cycles.

OR

2.  The sum of:

a.  Any past due amounts; PLUS 

b.  1% of your new balance (excluding any balance in connection with a special promotional purchase with a unique payment calculation) shown on 

your billing statement; PLUS

c.  Any late payment fees charged to your account in the current billing cycle; PLUS

d.  All interest charged to your account in the current billing cycle; PLUS

e.  Any payment due in connection with a special promotional purchase with a unique payment calculation.

We 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.

Special Promotional Financing Offer Information
At times, we may offer you special financing promotions for certain transactions (“special promotions”). The terms of this Agreement apply to any special 
promotions. However, any special promotional terms that are different than the terms in this Agreement will be explained on special promotional advertising or 
other disclosures provided to you. Below is a description of certain special promotions that may be offered: 

•  No Interest for 6 Months

•  No Interest for 12 Months

•  No Interest for 18 Months

•  No Interest for 24 Months

•  No Interest for 36 Months

•  No Interest for 48 Months

For  each  promotion,  after  the  promotion  ends,  the  variable 
Purchase  APR  that  applies  to  your  account  when  the 
promotional purchase is made will apply.

At  the  time  your  account  is  opened,  this  is  the  variable  APR 
applicable to your account.

Your  Purchase  APR  will  vary  with  the  market  based  on  the 
prime rate.

When you make a qualifying purchase under one of these promotions, no interest will be assessed on the purchase during the promotional period, but minimum 
monthly payments are required. Regular account terms apply to non-promotional purchases and, after promotion ends, to your promotional purchases. Offers 
are subject to credit approval. These promotional offers may not be available at all times for all purchases. Please see any special promotion advertising or other 
disclosures provided to you for the full terms of any special promotion offered. In addition, the special promotions described below may be offered:

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•  No Interest if Paid in Full Within 6 Months

•  No Interest if Paid in Full Within 12 Months

•  No Interest if Paid in Full Within 18 Months

•  No Interest if Paid in Full Within 24 Months

•  No Interest if Paid in Full Within 36 Months

•  No Interest if Paid in Full Within 48 Months

For each promotion, if the promotional balance is not paid in full 
within  the  promotional  period,  interest  will  be  imposed  from  the 
date of purchase at the variable Purchase APR that applies to your 
account when the promotional purchase is made.

At  the  time  your  account  is  opened,  this  is  the  variable  APR 
applicable to your account.

Your  Purchase  APR  will  vary  with  the  market  based  on  the 
prime rate.

When you make a qualifying purchase under one of these promotions, no interest will be assessed on the purchase if you pay the following (the “promotional 
balance”) in full within the applicable promotional period: (1) the promotional purchase amount, and (2) any related optional credit insurance/debt cancellation 
charges. If you do not, interest will be assessed on the promotional balance from the date of the purchase. Minimum monthly payments are required. Some or 
all of the minimum payment based on the promotional balance may be applied to other account balances. Regular account terms apply to non-promotional 
purchases and, after promotion ends, to promotional purchases. Offers are subject to credit approval. These promotional offers may not be available at all 
times for all purchases. Please see any special promotion advertising or other disclosures provided to you for the full terms of any special promotion offered.

SECTION III: STANDARD PROVISIONS  
SAM’S CLUB® MASTERCARD® ACCOUNT AGREEMENT

ABOUT THE CREDIT CARD ACCOUNT AGREEMENT

This Agreement. This is an Agreement between you and Synchrony Bank, 170 Election Road, Suite 125, Draper, UT 84020, for your credit card account 
shown above. 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 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 earlier or at the same time.

Parties To This Agreement. This Agreement applies to each accountholder approved on the account and each of you is responsible for paying the full 
amount due, no matter which one uses the account. We may treat each of you as one accountholder and may refer to each of you as “you” or “your.” 
Synchrony Bank may be referred to as “we,” “us” or “our.”

Changes To This Agreement. We may change, add or delete terms of this Agreement, including interest rates, fees and charges.

Special Promotions. The terms of this Agreement apply to any special promotion. However, any special promotional terms that are different than the 
terms in this Agreement will be explained on promotional advertising or other disclosures provided to you.

HOW TO USE YOUR ACCOUNT/CARD
Use Of Your Account. You may use your account only for lawful personal, family or household purposes. You may use your account for purchases from  
Sam’s Club and Walmart locations, including online at SamsClub.com and www.walmart.com and from any merchant that accepts Mastercard credit cards 
or to obtain cash loans (“Quick Cash Advances”) that we may offer at participating Sam’s Club owned registers in Sam’s Club locations. Each 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 approved purchase 
with your card. No more than one cash advance may be obtained on your account each day. Quick Cash Advances will be treated as 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 account or any other 
account you have with us.  

Cash 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 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, we will treat any purchase of certain cash-like items as cash advances. Cash-like items include for example, money orders, cashier’s checks, 
traveler’s  checks,  electronic  or  wire  transfers,  foreign  currency  or  other  in-bank  transactions,  tax  payments,  lottery  tickets  or  other  legalized  gambling 
transactions, court costs, bail bonds and fines.

You Promise To Pay. You promise to pay us for all amounts owed to us under this Agreement. 

Your 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 someone else, you will be responsible for paying for all charges resulting from their transactions.

Transaction Limits. To prevent fraud, we may limit the number or dollar amount of transactions you can make in any particular amount of time. We also 
may decline any particular charge on your account for any reason.

Credit 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 transaction that makes you go over your credit limit or your cash advance limit, we do not give up any rights under this Agreement and we do not treat 
it as an increase in either limit. 

HOW AND WHEN TO MAKE PAYMENTS
When 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 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 
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 delay 
making credit available on your account in the amount of your payment even though we will credit your payment when we receive it.

Payment Options. You can pay by using the Sam’s Club app, 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 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 the United States.

How To Make A Payment. You must follow the instructions for making payments provided on your billing statement. If you do not, credit of your payment 
may be delayed up to five days. Your billing statement also explains how information on your check is used.

Payment Allocation. We will apply the required total minimum payment to balances on your account using any method we choose. Any payment you 
make in excess of the required total minimum payment will be applied to higher APR balances before lower APR balances. Applicable law may require or 
permit us to apply excess payments in a different manner in certain situations, such as when your account has a certain type of special promotion.

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INFORMATION ABOUT YOU 
Using And Sharing Your Information. When you applied for an account, you gave us and Sam’s Club information about yourself that we could share 
with each other. Sam’s Club will use the information in connection with the credit program and for things like creating and updating its 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. 

Address/Phone Change. You represent that any phone number that you provide to us belongs to you and/or that you are authorized to provide that 
number. You also agree to tell us right away if you change your address or any phone number. 

Consent  To  Communications.  You  consent  to  us,  as  well  as  any  other  owner  or  servicer  of  your  account,  contacting  you  through  any  channel  of 
communication and for any purpose, as permitted by applicable law. For informational, servicing, fraud, or collection related communications, you agree 
that we may use the phone numbers 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 automatic telephone dialing system. Text frequency may vary and may be recurring. This consent applies even if you are 
charged for the call under your plan. You are responsible for any charges that may be billed to you by your communications carrier when we contact you. 
Message and data rates may vary. We and any carrier are not liable for delayed or undelivered messages. If you have questions, please call the number 
on the back of your card.

Telephone Monitoring. For quality control, you allow us to listen to and/or record telephone calls between you and us.

IMPORTANT INFORMATION ABOUT YOUR ACCOUNT 

Closing Your Account. You may close your account at any time by sending a letter to the address shown on your billing statement or calling customer 
service. We may close your account at any time, for any reason. If your account is closed, you must stop using it. You must still pay the full amount you 
owe and this Agreement will remain in effect until you do.

Collection Costs. If we ask an attorney who is not our salaried employee to collect your account, we may charge you our collection costs. These include 
court costs and reasonable attorneys’ fees.

Credit Bureau Reporting. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your 
account may be shown in your credit report. Tell us if you think we reported wrong information about you to a credit bureau. Write to us at P.O. Box 965005,  
Orlando, FL 32896-5005. Tell us what information is wrong and why you think it is wrong. If you have a copy of the credit report that includes the wrong 
information, send us a copy. 

Default. You are in default if you make a late payment, do not follow any other term of this Agreement or become bankrupt or insolvent. If you default 
or upon your death, 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. 

Disputed Amounts. The billing rights summary in section IV of this Agreement describes what to do if you think there is a mistake on your 
bill. If you 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 rights under this Agreement if we accept a payment marked “payment in full” or given with any other conditions or limitations.

Unauthorized 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 
use on your account, but you will be responsible for all use by anyone you give your card to or allow to use your account.

Membership Billing/Cancellation. Your Sam’s Club Membership (“Membership”) fees will be charged annually to your Account on or before 
your  Membership  renewal  date.  Your  acceptance  of  the  Card  constitutes  your  agreement  to  such  billing.  You  are  not  required  to  apply 
and/or have 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 or cancelled 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 understand 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 
suspended or cancelled at Sam’s Club’s sole discretion.

Plus Members with a Sam’s Club World Elite Mastercard. You are required to maintain a Plus Membership. If your Plus Membership is suspended 
or 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 you 
may be issued either a Sam’s Club Mastercard or Sam’s Club World Elite Mastercard (Subject to credit approval) to replace your Sam’s Club Plus Member 
World Elite Mastercard within six months of the membership suspension or cancellation.

IMPORTANT INFORMATION ABOUT THIS AGREEMENT 
Assignment. We may sell, assign or transfer any or all of our rights or duties under this Agreement or your account, including our rights to payments. We 
do not have to 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.

Enforceability. If any part of this Agreement is found to be void or unenforceable, all other parts of this Agreement will still apply.

Governing Law. Except as provided in the Resolving a Dispute with Arbitration section, this Agreement and your account are governed by federal law 
and, to the extent state law applies, the laws of Utah without regard to its conflicts of law principles. This Agreement has been accepted by us in Utah.

Waiver. 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.

RESOLVING A DISPUTE WITH ARBITRATION 
PLEASE  READ  THIS  SECTION  CAREFULLY.  IF  YOU  DO  NOT  REJECT  IT,  THIS  SECTION  WILL  APPLY  TO  YOUR  ACCOUNT,  AND  MOST 
DISPUTES BETWEEN YOU AND US WILL BE SUBJECT TO INDIVIDUAL ARBITRATION. THIS MEANS THAT: (1) NEITHER A COURT NOR A 
JURY WILL RESOLVE ANY SUCH DISPUTE; (2) YOU WILL NOT BE ABLE TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING; 
(3) LESS INFORMATION WILL BE AVAILABLE; AND (4) APPEAL RIGHTS WILL BE LIMITED.

1.  CLAIMS AND PARTIES. If either you or we make a demand for arbitration, you and we must arbitrate any dispute or claim between you (including 
any  other  user  of  your  account),  and  us  (including  our  parents,  affiliates,  agents,  employees,  officers,  and  assignees)  that  directly  or  indirectly 
arises from or relates to your account, your account Agreement or our relationship, except as noted below. In addition, the following are intended 
beneficiaries of this Arbitration section and may enforce it in full (notwithstanding any state law to the contrary): (a) Sam’s Club and its affiliates; and 
(b) any assignee, agent, or service provider of ours that collects amounts due on your account.

2.  This Arbitration section broadly covers claims based upon contract, tort, consumer rights, fraud and other intentional torts, negligence, constitution, 
statute, regulation, ordinance, common law and equity and claims for money damages and injunctive or declaratory relief, even if they arose before 
this section took effect. You may not sell, assign or transfer a claim. 

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3.  Examples  of  claims  subject  to  arbitration  are  disputes  about  an  account  transaction,  fees,  charges  or  interest,  the  events  leading  up  to  the 
Agreement  (such  as  any  disclosures,  advertisements,  promotions  or  oral  or  written  statements,  warranties  or  representations  made  by  us),  an 
application for or denial of credit, any product or service provided by us or third parties in connection with the Agreement, credit reporting, benefit 
programs related to your account including any reward program, the collection of amounts due by our assignees, service providers, or agents and 
the manner of collection.

4.  However, we will not require you to arbitrate any individual case in small claims court or your state’s equivalent court, so long as it remains an 
individual case in that court. Also, even if all parties have opted to litigate a claim in court, you or we may elect arbitration with respect to any claim 
made by a new party or any claim later asserted by a party in any related or unrelated lawsuit, including modifying an individual claim to assert a 
class, representative or multi-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. 

5.  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 concerns the validity or enforceability of the Agreement as a whole is for the arbitrator to decide.

6.  NO  CLASS  ACTIONS.  IF  EITHER  YOU  OR  WE  ELECT  TO  ARBITRATE  A  CLAIM,  NEITHER  YOU  NOR  WE  WILL  HAVE  THE  RIGHT  (A)  TO 
PARTICIPATE  IN  A  CLASS  ACTION,  PRIVATE  ATTORNEY  GENERAL  ACTION  OR  OTHER  REPRESENTATIVE  ACTION  IN  COURT  OR  IN 
ARBITRATION, EITHER AS A CLASS REPRESENTATIVE OR CLASS MEMBER, OR (B) TO JOIN OR CONSOLIDATE CLAIMS WITH CLAIMS OF 
ANY OTHER PERSONS EXCEPT ACCOUNTHOLDERS ON YOUR ACCOUNT. THUS, YOU MAY NOT BRING CLAIMS AGAINST US ON BEHALF 
OF ANY ACCOUNTHOLDER WHO IS NOT AN ACCOUNTHOLDER ON YOUR ACCOUNT, AND YOU AGREE THAT ONLY ACCOUNTHOLDERS 
ON YOUR ACCOUNT MAY BE JOINED IN A SINGLE ARBITRATION WITH ANY CLAIM YOU HAVE. 

7.  PROCEDURES. The party who wants to arbitrate must notify the other party in writing. This notice can be given after the beginning of a lawsuit or in papers 
filed in the lawsuit. Otherwise, your notice must be sent to Synchrony Bank, Legal Operation, P.O. Box 29110, Shawnee Mission, KS 66201-5320,  
ATTN: ARBITRATION DEMAND. The party seeking arbitration must select either the American Arbitration Association (AAA), 120 Broadway, Floor 21,  
New  York,  NY  10271,  www.adr.org,  or  JAMS,  620  Eighth  Avenue,  34th  Floor,  New  York,  NY  10018,  www.jamsadr.com,  to  administer  the 
arbitration. If neither administrator can handle the dispute, a court with jurisdiction will appoint an arbitrator.

8.  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 experience. The arbitrator must apply the same law, consistent with the Federal Arbitration Act (FAA), that would apply to an individual action 
in court, but may use 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. 

9.  The arbitrator may award any damages or other relief or remedies that would apply under applicable law to an individual action brought in court, 
including, without limitation, punitive damages (governed by the Constitutional standards employed by the courts) and injunctive, equitable and 
declaratory relief (but only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s 
individual claim). The parties 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 attorneys, witnesses and experts to the extent permitted by the Agreement, the administrator’s rules or applicable law.

10.  The arbitration will take place by phone or at a location reasonably convenient to you. If you ask, we will pay all the fees the administrator or arbitrator 
charges if you 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’s rules or that are necessary for this Arbitration section to be enforced.

11.  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 stated herein. The arbitrator’s award will be final and binding, except for any appeal right under the FAA. Any court with jurisdiction may 
enter judgment upon the arbitrator’s award. The arbitration award and any judgment confirming it will apply only to the specific case and cannot be 
used in any other case except to enforce the award. 

12.  SURVIVAL. This Arbitration section shall survive the repayment of all amounts owed, the termination, cancellation or suspension of the Agreement 
or your account or credit privileges, any legal proceeding, and any bankruptcy by you, to the extent consistent with applicable bankruptcy law. If 
this Arbitration section conflicts with the applicable arbitration rules or the other provisions of the Agreement, this Arbitration section shall govern. 

13.  SEVERABILITY. If any portion of this Arbitration section is held to be invalid or unenforceable, the remaining portions shall nevertheless remain 
in  force  with  the  following  two  exceptions.  First,  if  a  determination  is  made  that  the  “No  Class  Actions”  provision  is  unenforceable,  and  that 
determination is not reversed on appeal, then this Arbitration section shall be void in its entirety. Second, if a court determines that a public injunctive 
relief  claim  may  proceed  notwithstanding  the  “No  Class  Actions”  provision,  and  that  determination  is  not  reversed  on  appeal,  then  the  public 
injunctive relief claim will be decided by a court, and any individual claims will be arbitrated. The parties will ask the court to stay the public injunctive 
relief claim until the other claims have been finally concluded.

14.  HOW TO REJECT ARBITRATION. You may reject this Arbitration section. If you do that, a court will resolve any dispute or claim. To reject this 
section, send 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, address, 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 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 agreement 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 effective as of the date of the Agreement and will supersede any prior arbitration agreement between 
you and us that would otherwise be applicable.

SECTION IV: OTHER IMPORTANT INFORMATION 
SAM’S CLUB® MASTERCARD® ACCOUNT AGREEMENT

This 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 agreement posted online or provided to the CFPB.

FR833282333_SAM’S CLUB® MASTERCARD®
TC DC PDF WF3620703E, WF3620703G
12/2021

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